银行网络支付清算系统分布式架构性能实践与思考

Performance Practice and Thinking of Distributed Architecture for Bank On-line Payment and Clearing System

为防范化解系统性金融风险,促进网络支付市场规范健康发展,某银行(以下简称为A行)积极响应央行“断直连”的要求,通过农信银资金清算中心对接网联平台,启动网络支付清算系统项目建设。系统采用基于Dubbo分布式架构实现签约、支付、提现、对账等全流程功能,并通过多轮测试环境和生产环境性能测试后发现问题并持续优化,系统最高支付能力高达600TPS左右,有效保障网络支付清算系统稳定运行。

In order to prevent and resolve systemic financial risks and promote the standardized and healthy development of the network payment market,A Bank(hereyinafter referred to as A Bank)actively responded to the central bank's request for"disconnection of direct connec-tions",and started the construction of the nctwork paymcnt and scttlement system project through the Nong xin yin Clearing Center docking with the network platform.The system a-dopts a Dubbo based distributed architecture to achieve full process functions such as signing,payment,withdrawal,and reconciliation.After multiple rounds of testing and production envi-ronment performance testing,problems are identified and continuously optimized.The maxi-mum payment capacity of the system is up to 680 TPS,effectively ensuring the stable operation of the online payment and clearing system.