Unified Payment Platform
Overview
Sunline Unified Payment Platform is designed based on the convenience, versatility, and experience of payment services, providing unified docking of the underlying payment channels, realizing rapid deployment of upper-level consumption scenarios and meeting the flexible configuration, control, maintenance, query and full services of the entire payment business basic services. The platform currently has integrated payment channels including core system, CNAPS, PBOC Super Online Banking, UnionPay Omni-channel, UnionPay Express Payment, UnionPay QR Code, UnionPay Cloud QuickPass, NetUnion, Tonglian and third-party payments. According to the business logic, standardized and customized payment products are combined for service-based output which realizes the completion of scene-based access to various payment scenarios and dynamic intelligent routing management in the payment transaction process, creating comprehensive payment management for customers. The platform, supplemented by value-added functions such as consumer rights, merchant management, order management, clearing and payment operations, providing an overall payment solution.
Product Features
Payment integration
Unified Payment Platform has the ability to quickly access multiple third-party payment platforms and multiple traditional payment channels and supports typical payment methods such as batch/single payment, batch/single payment withholding, authentication payment, fast payment, gateway payment and scan code payment. The platform enables access partners management and provides unified payment docking solutions to them
Smart Routers
Multi-dimensional rules such as transaction information, payment channel status and fees can be configured. The rules can be customized and adjusted. When payment occurs, the system will automatically match the optimal payment channel, improving payment efficiency and customers experience
Unified reconciliation
The platform has a reconciliation management mechanism which builds a unified reconciliation interface for payment scenarios, payment channels and various systems in the bank, ensuring data consistency between systems through a unified error handling and clearing mechanism
Efficient iteration
The business processing and payment channel processing modules are deployed independently and a unified processing business standard is formed. This design can shorten the implementation period and reduce the difficulty of maintenance which is conducive to promoting the standardization of business processing in the industry and the efficiency of business iteration
Application Scenarios
Unified acquiring
Provide customers with full-process service control including fast online payment, APP/H5 payment, etc. as well as offline POS acquiring, ATM acquiring and other comprehensive acquiring services
Payment cashier
It provides online cashier functions and supports mainstream payment methods such as WeChat, Alipay, UnionPay online payment, e-wallet, etc. as well as provides merchants and users on the customer side with payment functions for platform consumption and shopping scenarios
Scene payment
According to special application scenarios, the platform can be customized easily to dock with certain payment channel, e.g. configure one payment cashier with wechat payment interface for wechat channel connection