Galadin Unified Payment Platform can achieve the unified handling of transactions between enterprises and banks, promote the fast corporate business development, reduce business costs and control business risks.
Background
Capital is the lifeline for enterprises. Currently, as coal mine enterprises, especially the large-sized enterprises are undergoing rapid reform, reorganization, expansion and development, many enterprises have achieve diversified property right, diversified industrial structure, cross-regional and transnational operation, capital flow among multiple organizations and regions, a large corporate scale and a wide range of management. Against this backdrop, the increasingly pronounced problems in traditional bank outlets like a small number of payment outlets, long waiting time and limited handling capacity therefore lead to the escalating tension between outlets with enterprises. Galadin Unified Payment Platform is a payment service system based on core payment softwares which aims to realize the fast connection between enterprises and banks. It can provide supporting payment environment for various operation systems and enables these systems to quickly develop and expand their various relevant value-added services.
Function Modules
(1) Core Layer
In the overall architecture of the unified payment gateway, service intermediary is the master control center. All transaction processing, routing control and batch processing are done by the core layer.
A. Configuration management
Include: configuration of business parameters and system parameters and corporate services.
B. Online transaction
Include: transaction check, transaction processing, routing management, flushes and notification management, SAF management, batch management, security management and online reconciliation.
C. Batch processing
Include: file processing, reconciliation, reporting and data cleansing.
D. Auxiliary functions
Include: memory management, node management, information synchronization, communication between nodes, application monitor and command-line processing.
(2) Access Layer
This function module is responsible for the connection between application systems or equipments with the unified payment gateway and the connection between the unified payment gateway with banks. The platform provides a uniform interface for the access system and the access layer is required to shield the inconsistency among application systems
A. Data standardization.
Data that are transmitted after the connection between corporate operation systems with the unified payment gateway or between banks and the unified payment gateway has been achieved should be standardized so as to realize the interaction among systems.
B. Format conversion
The conversion of different application systems and connection patterns like communication protocols and message protocols can be done in the access layer or be customized just through configuration.
C. Traffic control
Access layer should ensure that requesting parties will not make so many transaction requests per unit time as to affect the services offered to the other systems.
D. Code conversion
As a same data value in a same data field can mean differently in different systems, the conversion the data value is required. Code conversion refers to the translation of the data of one system to code that can be recognized in another system.
E. Encryption and decryption
As the encryption algorithm and keys varies in different systems, the conversion of encryption algorithm and keys through adapters are required so as to achieve the connection of systems and ensure the transmission of sensitive information.
System Features
(1) Security
The payment platform adopts key encryption system to ensure the high security of the system.
(2) High efficiency
The platform supports distributed architecture and can achieve high system performance through the Cluster mode featuring multiple applications and processes.
(3) Availability
The architecture of the platform is based on the B/S structure mode driven by operation and with flexible configuration, online transaction management, batch processing and auxiliary functions, high availability of the system can therefore be ensured.
(4) Scalability
Based on the SOA architecture, the payment platform can support easy, convenient and fast function expansion of the existing systems and meet the fast business development.
(5) Usability
Galadin Unified Payment Platform is easy to use, highly flexible and able to meet the demand of the business development in a convenient and fast way through the configuration of parameters.
Key Benefits
Through Galadin Unified Payment Platform, it is possible to achieve unified payment of multiple accounts and businesses, the dynamic business configuration, the loading of business development, business scheduling logic, business logic separation and sharing of access level and business level.
Galadin Unified Payment Platform can go through a specific payment process, achieve the fast connection between corporate systems or equipments with banks, prevent precipitation, reduce financing costs and bring about rational income and expenses.
Galadin Unified Payment Platform can make the interconnection and intercommunication of systems less complicated, improve the interaction between enterprises and banks, maximize the IT asset value of enterprises and respond to the change in business demand in a flexible and efficient manner.
The communication access, information processing and routing of Galadin Unified Payment Platform can lead to the successful integration and collaboration of services among banks.
Potential Client Galadin Unified Payment Platform is applicable to all sorts of small, medium and large-sized enterprises that need management of interbank accounts, fund remittance and transfer among banks, interbank fund accumulation, unified direct connection platform, unified finance management process and unified data format.
