6. Payment mechanism Responsible for the actual debit or transfer.Some companies call it Payment Core. If it is a balance, adjust the account debit balance, if it is a red envelope, adjust the write-off marketing, and if it is an external banking channel, set up the channel gateway. 5.7 Responsible for debiting payments from external channels. It usually also provides channel routing, channel consulting and other capabilities. More sophisticated companies may separate the channel core and the message/file gateway. Among them, the channel core provides channel routing, channel consulting, channel switching and other services, while the message/file gateway is responsible for message conversion, signature verification, etc.
5.8. Member Platform Manage the member lifecycle, such as australia email list registration, logout, login, etc. It also provides verification services (such as login password, payment password, SMS verification code, etc.), real-name authentication services, etc. 5.9. Merchant platform Manage merchant settlement signing, KIB, transaction management, etc. 5.. Product center Manage product capabilities provided externally, such as fast payment, retention, etc. Generally, large payment systems will be independent into a subsystem. 5.. Accounting center Responsible for account opening, accounting, etc. 5.. Accounting center Manage the subject of accounting, entry management, daily management, etc.
Regulatory statements are sometimes placed here, and some companies will also go out independently. Many group companies often have an independent professional financial system. At this time, the accounting center often needs to merge the accounting information into the financial system of the group company after the completion of daily accounting, which is called consolidation. 5.. Reconciliation Center Responsible for detailed reconciliation and reconciliation of funds. 5.. Marketing platform Provide marketing tools such as full discounts and red envelopes. 5.5 Risk control platform Provide real-time and offline risk control for accounts and transactions to control transaction risks.