Using a payment gateway accomplishes this while also being more secure.

Message Signatures Exit Inspection

Exit inspection is analogous to message signature. During the exit inspection, we mustsaas payment gateway verify the validity of passports and visas. The signature serves two functions: one to prevent tampering and the other to prevent repudiation. In this section, we must define two concepts: symmetric encryption AES and asymmetric encryption RSA, and it is not necessary to distinguish between public and private keys.

Management of Risk Control

We must consider risk control management for payment systems in the same way that we must consider security when traveling. Typically, risk control management is divided into two levels: account capital risk control and business risk control.

Payment institutions are responsible for the ring of account fund risk control because problems in the payment security level of payment institutions will lead to a series of problems such as leakage of user information, loss of funds, and illegal transactions. As a result, these institutions are devoting sufficient resources to account risk management, and as a result, merchants are unable to access consumers' personal payment sensitive elements in the first place. Of course, we can then focus our efforts on business risk.

Risk management in the business sector necessitates a greater consideration of risks resulting from business vulnerabilities. Malicious swiping, cashing out, and woolgathering are all common business risks for Internet products. Our standard method for preventing these types of risks is to collect some key elements, such as transaction account, payment account, transaction frequency, transaction amount, transaction time, transaction location, and so on, and then make a judgment based on the corresponding risk control rules, and finally perform the corresponding processing based on the judgment results.

Inbound inspection - notification of results, visa inspection, and status update

This is the final installment of payment. Many merchants are perplexed about whether to determine the final payment result through asynchronous notification or through active inquiry. We believe that these two options can coexist, one to ensure efficiency and the other to ensure availability. According to their business characteristics, we advise our customers to use the two mechanisms effectively together.

At the same time, we should note that not all payment institutions have asynchronous notification logic; not all refunds, for example, have asynchronous notifications. As a result, the payment gateway must achieve homogenization in this link to ensure rule consistency for the back-end business system interface.