I. System Architecture Layer: Robust Technology Backbone
· Frontend–Backend Separation: Built with Vue.js on the frontend and SpringBoot as the backend core, integrated with Dubbo and Redis. Peak transaction processing capacity improved by ~40%.
· Upgraded Clearing & Settlement Framework: “Intra-day preliminary clearing + overnight status update” model reduces clearing cycles to hourly intervals, improving fund settlement timeliness by over 50%.
II. Merchant Lifecycle Management Module: Streamlined Operations
· Merchant Information Management: Unified interface consolidates full-dimension merchant data, enabling end-to-end operations. Information maintenance efficiency improved by 60%.
· Merchant Review Management: Standardized workflows with real-time audit tracking, reducing approval cycles from 3 business days to within 1 day.
· Channel Merchant Registration: Centralized management of multiple payment channels, cutting onboarding time from 2–3 days to within 4 hours, increasing resource utilization by 35%.
III. Clearing & Transaction Management Module: Enhanced Capital Efficiency
· Transaction Inquiry: Real-time display of transaction details with multi-dimensional filters; query response time under 1 second, supporting real-time reconciliation.
· Manual Posting & Audit: Supports manual posting for exceptional scenarios with audit safeguards; processing time reduced to within 2 hours, anomaly handling efficiency improved by 50%.
· Tiered Account System: Enables multi-level account structures for chain stores and corporate groups, with flexible configuration of split-settlement and fund aggregation rules, automatically completing allocation.
IV. Risk Control & Cost Management Module: Flexible Business Adaptation
· Merchant Limit Management: Dual-track mechanism combining “default + customized” limits. Default thresholds can be set by type, with individual overrides for specific merchants. Limit adjustment response time within 30 minutes.
V. UnionPay/Network Filing & Terminal Management: Compliance and Efficiency
· Merchant UnionPay/Network Filing: Real-time display of filing status with batch error handling; approval pass rate exceeds 95%, reducing compliance risks by 40%.
· Terminal Management: Unified view of terminal devices with enable/disable and location-tracking capabilities; fault diagnosis efficiency improved by 50%, reducing O&M costs by 30%.
