Online payment Platform

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I. Introduction of online payment platform

1. Direct docking between merchant and bank:

Advantages:

Due to direct financial settlement with the bank, transaction funds settlement is more secure. Suitable for enterprises with large capital flow, this scheme is suitable for enterprises with more than million monthly settlement amount.

Disadvantages:

The development workload is relatively large, and the bank will not regularly upgrade the trading system, with the upgrading of the banking system, enterprises also need to make corresponding changes, so the maintenance workload is relatively large, and the company also needs to pay a certain amount of interface cost to the bank each year.

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2. Merchant and third-party payment platform:

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Advantages :

Less development effort, the bank upgrade system, do not need to make the corresponding changes, unless the intermediary enterprise Access specification has changed, relative to the previous access scheme, the maintenance of this scheme is less. Because only with a company docking, so the cost of access is relatively low. This scheme is suitable for: small and medium-sized enterprises with monthly settlement funds under hundreds of thousands of.

Disadvantages:

Because it is with the intermediary enterprises to settle funds, at present all the intermediary enterprises are private enterprises, capital security is a big problem.

Second, the common payment platform:

Third, the payment platform uses the technology:

Post form + MD5 technology

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Use a third-party payment platform:

(1) to sign a contract with a third party payment platform. Third-party payment platform to give you a

Merchant number

Key: The key can be modified by the merchant on the website of the third-party payment platform. (This key, only merchant and third party payment platform know)

(2) will give you a development document, or some examples of some code cases out of the box.

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Iv. complete a case of online payment:

Complete the Order form:

CREATE TABLE Order_info (

ID int primary KEY auto_increment,

USER_ID int NOT null default 0 comment ' User ID ',

ORDER_SN varchar (+) NOT null default ' comment ' Order number ',

Consignee varchar (+) NOT null default ' comment ' consignee ',

Address varchar (+) NOT null default ' comment ' consignee addresses ',

Mobile int NOT NULL default 0 comment ' Consignee's phone ',

Pay_status tinyint NOT null default 0 comment ' payment status, 0, unpaid, 1 already paid ',

Order_amount decimal (9,2) NOT null default 0 comment ' Order Amount ',

Add_time int NOT null default 0 comment ' Order time '

) engine MyISAM charset UTF8;

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Page:

flow.php: Order Submission Page

pay.php: Order warehousing, submitted to the third-party payment platform page.

access.php: A page that receives post data from a third-party payment platform, processing the results of the payment.

Online payment Platform