The overall technical architecture of cross-border e-commerce payment and settlement can be divided into the following three layers:
①Support layer refers to the basic software package and infrastructure used to support the core system of cross-border e-commerce payment, including operation and maintenance monitoring system, log analysis system, etc.
②Core layer, that is, the core module of the cross-border e-commerce payment system, including the payment core module of cross-border e-commerce payment and the payment service module of cross-border payment;
③Product layer refers to the system presented to end users, merchants, and operation managers by combining the services provided by the core layer.
Support system for cross-border e-commerce payment and settlement.
The support system is the infrastructure provided by a company for the operation of the cross-border e-commerce payment system, mainly including the following subsystems.
①Operation and maintenance monitoring. During the operation of the cross-border e-commerce payment system, it is inevitable that it will be interfered by various internal and external factors, such as fiber optic digging, hacker attacks, accidental deletion of databases, vulnerabilities in the online system, etc. The operation and maintenance personnel must respond to these unexpected events as soon as possible, which requires an operation and maintenance monitoring system to assist.
②Log analysis. Logs are an important basis for statistical analysis and operation and maintenance monitoring of cross-border e-commerce payment systems. Companies need to provide infrastructure to support the unified collection and analysis of logs.
③ SMS platform. SMS plays an important role in cross-border e-commerce payment systems. For example, identity authentication, secure login, password retrieval, and alarm monitoring all require the support of SMS.
④ Security mechanism. Security is the lifeline of cross-border e-commerce payments. SSL certificates, anti-swiping interfaces, etc. are all necessary facilities for cross-border e-commerce payments.
⑤ Statistical reports. The visual display of cross-border e-commerce payment data is the basis for the company to make decisions.
Remote connection management, distributed computing, message mechanism, full-text retrieval, file transfer, data storage, machine learning, etc. are all basic software for building large systems.