Payment gateway capable of configuring payment mode as required and implementation method

Abstract

The invention discloses a payment gateway capable of configuring a payment mode as required and an implementation method. The payment gateway comprises a payment gateway basic module, a payment mode management module, a service management module and a collection management module, wherein the payment gateway basic module further comprises a payment channel management module and an accounting management module, the channel management module is used for accessing a payment channel, and the accounting management module is used for carrying out accounting recording on paid money and providing a checking function to realize unification of virtual accounts and real accounts; the payment mode management module is used for managing various payment modes, including payee main body payment mode management and payment node payment mode management; the service management module is used for packaging a payment mode into a service so as to facilitate merchant selection and configuration; and the collection management module is used for configuring and managing service fees as required and flexibly configuring service fees and charging modes opened by each merchant. According to the payment gateway, the problem that a trader pays in what channel is solved, and the modes are helpful for merchants to achieve different business achievements. The payment modes charge fees in an Saas mode, so thatprofit sharing requirements are generated, the platform cost is reduced, and the payment transaction process is simplified.

Description

technical field [0001] The invention belongs to the field of computer software technology transaction settlement, in particular to a payment gateway with a payment mode configured on demand and its implementation. Background technique [0002] The payment system (that is, the settlement system or its subsystem) exists to help sales collect and keep accounts. It includes the payment relationship between various entities in the sales chain. The sales chain includes the payment system platform side, and the B-side is the merchant. , The C end is the ultimate buyer. The payment gateway is the core function of the payment system, which is used to help the accounts of all parties to receive and pay, that is, the transfer of account funds. [0003] The original seller refers to the original provider of the product. He is the first seller (also called the seller) in the sales chain. He can sell the product directly to the C-end customer, or sell the product to the C-end customer th...

AI Technical Summary

Problems solved by technology

[0006] The existing payment gateway technology has disadvantages in the application: it cannot flexibly adapt to the needs of different business scenarios, help merchants achieve different business results, and cannot transform the needs of complex business scenarios into merchants and C-terminals for payment models and service fees. Reasonable choice; different payment channels have different payment costs, the payment gateway helps merchants use different payment channels at a reasonable cost, and realizes a reasonable sharing of payment channel costs between the system platform and merchants

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