"Why do you take so long to make one page?" In fact, this is a misunderstanding of the cashier. If you have used account opening, card binding and real-name authentication, you should know that opening the HE Tuber payment method at the cashier without real-name is still relatively complicated and cumbersome. It is only made simple by the support of a large number of real-name users on WeChat and Alipay.

In addition to the payment method packaging, the cashier's user process is basically a set of standard processes after going through market education on WeChat and Alipay. We can divide it into three stages: before payment, during payment, and after payment.

This is the first payment page that users see, which is divided into two parts: order and payment method.

Order information: It displays simple payment information such as "product order", "transaction amount", and "merchant name" to users to confirm whether they want to make further payments.

Payment method: It provides users with the choice of which account to pay through. The payment methods here need to be as diverse as possible, because users have placed orders. It would be a pity to give up payment because there is no suitable payment method. Therefore, in addition to bank cards and accounts, there are also various payment methods such as monetary funds and credit lines for you to choose from. There is always one suitable for you to pay.

After the user selects the payment method and clicks Confirm, the payment page will be entered for the user to complete the payment. If the user chooses bank card or account payment, the cashier will jump to the local payment page; if it is an externally provided payment page such as WeChat, Alipay, bank APP, digital renminbi, etc., the cashier needs to jump to the cashier provided by the channel. Complete payment.

After the user pays successfully, he needs to jump back to continue the next operation. At this time, due to the lack of interaction between the two systems, it is carried out in four steps: page jump, payment callback, result query and user notification. This ensures that all parties including “page, accounting system, access merchants, and users” can synchronize the payment results.

After jumping back, the page displayed to the user is mainly divided into two parts: "Payment Results" and "Marketing Activities".

Payment result: It is the final result of the user's payment for this order. The normal display of the result page indicates that the channel and local have synchronized the results. If it cannot be displayed normally, the user needs to be prompted to actively query the order results.

Marketing campaigns: Marketing campaigns are optional and not required for every checkout. You can configure internal recommended products and activities, and you can also configure external marketing activities (such as WeChat Gold Plan), etc.

Since the cashier involves the entire process of user payment operations, its "front line" is also relatively long. It works closely with "terminals, gateways, cashier services, and payment services" to provide users with a good payment experience.

Terminal: It is used to adapt to various payment scenarios. For example, the "h5 payment" page should provide customized guidance pages and post-payment activity pages. "APP payment" must provide an SDK that can be integrated into merchant APPs, and cash register equipment must provide "application APPs" in different device environments, etc. At the same time, the cashier terminal must also provide customers with security encryption mechanisms such as "security certificates and keys" to ensure the security of the interaction between the terminal and the gateway.

Gateway: The gateway provides various external service interfaces for merchant platforms and terminal devices to call, and is responsible for processing back-end calls based on requests. The gateways for receiving cashiers are mainly divided into two categories: "acquiring gateway" and "member gateway". The acquiring gateway is responsible for the processing of payment requests such as "collection and account sharing"; the "membership gateway" is responsible for the processing of account requests such as "top-up, payment, account opening, card binding, etc."

Cashier service: The cashier service is mainly responsible for "cashier access", "cashier display", and "transaction process processing". It provides the front-end interface for cashier services, cashier display and transaction processing processes, and calls to back-end payment services.

Payment services : He provides backend support services for the cashier, including "merchant system", "payment channel", "account system", "transaction system", "real-time risk control" and other systems.

2. Introduction to cashier use cases

Gateway access: The cashier provides a "cashier service interface" to the outside world to receive payment requests from the acquiring gateway and member gateway.

Customer System: The cashier mainly accesses the "Customer System" to configure "Member Authentication" and "Merchant Products". Among them, "Member Authentication" is used to verify the information of the "bank card" and "account" corresponding to the user's payment method, and can also expand the "card binding/account opening" operation. The checkout itself is part of the merchant's contracted product, so the configuration of the checkout is obtained from the merchant's contracted product.

payment system

Transaction services : Provide collection, recharge, payment for the cashier, and separate transaction processing after successful collection.

Payment channel : If the channel also has a checkout counter similar to "mini program, APP, H5", access and processing such as "getting, pulling up and jumping back" need to be performed through the local checkout counter and channel.

Real-time risk control : Check cashier transactions based on real-time risk control rules such as transaction limits and times, and instantly intercept risks detected when users pay

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Cashier interface : The cashier provides external service interfaces, including "address acquisition, page acquisition, callback processing, result query", etc.;

Cashier service : The main control service of the cashier service controls the page display and transaction processing process by reading the merchant's cashier parameters.

Payment method : In the form of an interface or page, it provides information inquiry on payment methods at the cashier, as well as expansion of card binding and account opening operations at the cashier.

Payment page : Follow the three steps of before payment, during payment, and after payment to operate the corresponding payment page.