Integrated payment core system

Abstract

The invention relates to an integrated payment core system, including a common resource management module, a transaction atomization module, a clearing and settlement module and an accounting module. The common resource management module is used for achieving sharing of resource data of each business line. The transaction atomization module is used for providing lots of atom transactions and achieving invocation for business processing and business management. The clearing and settlement module is used for achieving clearing and settlement of many rounds. The accounting module is used for meeting requirements for independent accounting of each company or institution. The invention effectively achieves concentrate management of common resources and integrates existing payment functions which are distributed on each business system.

Description

technical field [0001] The invention relates to the technical field of payment, in particular to an integrated payment core system. Background technique [0002] Third-party payment refers to a third-party enterprise or platform with relevant qualifications, strength and reputation guarantee, which signs contracts with major domestic and foreign banks or UnionPay and other transaction transfer parties to provide credit enhancement for buyers and sellers. An intermediary is added to the traditional bank direct payment link, and the buyer and the seller make transaction payments through the intermediary platform, that is, the buyer purchases the product, and the payment is not directly sent to the seller but paid to the intermediary, and the intermediary then transfers the payment to the seller. Existing third-party payment methods include bank card acquiring, Internet payment, prepaid card payment, collection and payment, account payment, mobile payment, cross-border payment...

AI Technical Summary

Problems solved by technology

[0003] With the rapid development of Internet technology and the continuous innovation of payment models, third-party payment companies have developed from a single payment service to multiple payment services, and the payment system has gradually increased with the expansion of business, resulting in vertical stripes of multiple business systems The business logic of each system is scattered and independent, repeated development, and the data standards are not uniform or even incompatible with each other. Therefore, there is an urgent need for a system with advanced architecture to effectively integrate the payment functions scattered on various business systems. , forming a comprehensive payment system integrating multiple payment methods and payment functions

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