一种支付平台接口类技术规范的通用模型

A Universal Model of Payment Platform Interface Technical Specifications

为了解决因支付业务快速发展而导致支付平台接口类技术规范不断增加、升级频繁、系统改造成本增加的问题,按照分层组件化的思路设计了一种支付平台接口类技术规范的通用模型,详细阐述了接口类技术规范在通信方式、安全要求、数据元说明、交易处理、报文接口、文件接口等方面的规定,介绍了通用模型实施方案并对实施能效进行分析。试点实施表明,通用模型降低系统开发成本、运维成本,提升业务和系统安全性。

In order to solve the problem that the rapid development of payment business has led to the continuous increase of the interface type technical specifications of the payment platform,frequent upgrades and the increase of the cost of system transformation,this paper designs a universal model of payment platform interface specifications according to the idea of layered componentization,and xpounds in detail the technical specifications of the interface type in communication mode,security requirements,data element description,transaction processing,message interface,file interface and other provisions,introduces the universal model implementation scheme and analyzed the implementation efficiency.The pilot implementation shows that the universal model reduces the system development,operation and maintenance cost,and improved the business and system security.