Aggregate Payment Gateway Architecture for Channel Isolation
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Solution Overview
Problem
The electronic payment industry lacks a unified standard and interface, leading to compatibility issues between various payment tools and platforms, making it difficult for merchants with global businesses to manage multiple payment channels efficiently.
Innovation Solution
A backend architecture method and system for aggregate payment that acquires transaction information from clients, assigns it to a transaction node based on location, matches a channel gateway for processing, and transmits results, providing a unified interface for merchants to interact with multiple payment channels.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If merchants directly connect to multiple third-party payment channels, then payment channel coverage is improved, but system complexity and maintenance burden increase significantly
Solution Approach 1:
The patent introduces a unified gateway as an intermediary layer between merchants and multiple third-party payment channels. This gateway abstracts and standardizes interfaces to various payment providers (WeChat, Alipay, UnionPay, etc.), allowing merchants to interact with a single standardized interface while the gateway handles channel-specific complexities. This resolves the contradiction by enabling broad payment channel coverage through the intermediary without exposing merchants to system complexity.
Solution Approach 2:
The unified gateway is designed with universal functionality to support multiple payment channels through a single interface. It implements a standardized API that can route transactions to different payment providers based on configuration, making the system adaptable to various channels while maintaining consistent merchant-facing operations. This multi-functionality approach allows one system component to serve multiple payment channels, reducing overall complexity.
2Adaptability or versatility
If merchants support multiple payment processes for different channels, then payment channel compatibility is improved, but operational efficiency and access speed decrease
Solution Approach 1:
The gateway acts as a mediator that standardizes communication protocols with different payment channels. Instead of merchants implementing separate processes for each channel, the gateway provides a unified interface that handles channel-specific variations internally. This maintains compatibility with multiple channels while significantly improving access efficiency by eliminating the need for merchants to manage multiple process sets.
Solution Approach 2:
The system architecture segments functionality into distinct layers: the merchant-facing unified interface layer, the gateway routing layer, and the channel-specific implementation layer. This segmentation allows each layer to be optimized independently - the unified interface ensures efficiency for merchants, while the gateway handles channel compatibility through standardized routing mechanisms.
3Ease of operation
If a centralized payment system is used, then interface standardization is improved, but system availability and disaster tolerance decrease
Solution Approach 1:
The system is segmented into distributed gateway nodes that can operate independently. Each node maintains the standardized interface capability, allowing the system to provide both interface standardization and high availability. If one node fails, others continue to serve requests, maintaining system availability while preserving standardized interfaces through the distributed architecture.
Solution Approach 2:
The gateway system implements dynamic load balancing and failover mechanisms. Nodes can dynamically join or leave the network, and traffic routing adapts in real-time based on node availability. This dynamic behavior ensures that interface standardization is maintained while system availability is enhanced through automatic failure handling and load distribution.
4Adaptability or versatility
If merchants maintain separate processes for each payment channel, then channel-specific requirements are met, but data isolation and security are compromised
Solution Approach 1:
The gateway serves as a secure intermediary that enforces data isolation policies between different payment channels. It manages authentication, authorization, and data routing between merchants and various payment providers, ensuring that channel-specific data requirements are met while maintaining strict isolation boundaries. This prevents data leakage between channels while still fulfilling channel-specific compliance requirements.
Solution Approach 2:
The system implements local quality control by allowing different security and data handling policies for different payment channels while maintaining a unified standardized interface. Each channel can have its specific data isolation requirements configured and enforced at the gateway level, ensuring that local channel requirements are met without compromising overall data security through the standardized mediation layer.
Data Source
AI summary
A backend architecture method includes: acquiring transaction information from a client, wherein the transaction information includes location information of the client; assigning, based on the location information, the transaction information to a transaction node that has jurisdiction over the location information, wherein the transaction node is a transaction center within a specified region in a distributed transaction system; matching, according to the transaction node, a channel gateway in a channel docking layer that pre-establishes a connection relationship with the transaction node, and sending a transaction request in the transaction information to a transaction object over the matched channel gateway such that the transaction object processes the transaction request; and acquiring a processing result from the transaction object, and transmitting information of the processing result to the client.