支援雲端運算的付款閘道系統

Abstract

電子付款在電子商務發展上是不可獲缺的一環，近年網路與行動運算蓬勃發展，付款工具也愈來愈多元，各類的付款工具與消費應用需建立在適當的安全基準上。 電子商城或各大小的機構團體，舉凡商品的收付款或政府稅費的收付款，如何讓使用者利用身邊的電子設備或電信設備即可達到安全與便利的轉帳繳費功能，使用者不需親自至金融機構辦理手續，節省使用者的時間，加速商品流通，簡化業主後續的帳務與出貨流程，即為本論文之主要目的。 支援雲端運算的系統架構與標準的可延伸標示語言（eXtensible Markup Language， XML）之文件格式為本系統的基礎來建置多元的付款閘道付款，如何在資料傳輸中斷後續傳交易請求，讓前端使用者與後端金融機構的交易結果認知一致，以雲端運算為基礎，讓系統的穩定性與效能都能充份的滿足實際的使用者需求，基於雲端運算的儲存設備，高可靠與高可用性讓重要資料不遺失。離線繳費的付款交易，本系統提供即時提醒機制，提醒前台系統付款交易已完成，加速離線支付工具的帳務流程使出貨流程能快速展開。

Electronic payment is indispensable with the development of electronic commerce. In recent years， network and mobile computing are growing dramatically so that payment tools are also more and more diversified. Therefore， these tools and consumer applications should be established based on security infrastructure.

To pay for products in electronic mall or government tax and expense in any kinds of institutions， how to make it safe and convenient via portable electronic or telecommunication equipments is the purpose of this thesis. With this mechanism， users don’t go to financial institutions anymore. Hence， there are many obvious benefits such as saving time， accelerating product flow， simplifying business owner’s accounting process and shipment.

We will build a payment gateway system with various tools that supports system architecture of clouding computing and standard XML documents. We need to make sure the transaction result is consistent between front-end UI and back-end financial institutions after data transmission interrupts but resumes later. Based on the cloud computing， this system with high stability and performance can fully satisfy user requirements. Important data won’t get lost with high availability and reliability storage. In addition， this system also provides real-time remind mechanism to front-end UI to indicate the completeness of transactions for offline-paid transactions. It accelerates the accounting process and shipment for this kind of transactions.