The epidemic in 2020 has accelerated the pace of digital transformation of many companies. Based on their strategic goals, companies have invested in traditional channel upgrades, new retail transformation, e-commerce platform construction, community group purchases, and social network-based distribution systems. Build a set of suitable payment and settlement products to support the digital sharing of transactions and finance for enterprises.
1. What does the payment and settlement platform do, the scene speaks
In addition to entering Tmall, JD.com and other third-party channels to reach users, companies generally build their own channels. This online role is mainly composed of large distributors (channel distribution), small retail stores (channel retailing) and end customers; based on For the transaction relationship between them, enterprises often build corresponding transaction portals to realize the collection, payment and financial entry and exit of merchants (including their own business).
We can define these scenarios from two dimensions, one is the transaction dimension, which is concerned with how to trade between the two parties (payment settlement, benefit distribution); the other is the capital dimension, which is concerned with how to collect, pay, and Financial accounting (need to comply with various regulations).
Based on these two core scenarios, the settlement platform relies on external financial resources to realize the supervision and circulation of funds, and provides payment and cashier for transactions (focusing on C-side collection), corporate payment (focusing on B-side collection and payment), clearing and settlement (focusing on B-side collection and payment) Transaction-oriented account splitting) and account services (building an account system to support payment and settlement).
It is especially emphasized that the platform construction must have a clear boundary with all parties. Otherwise, due to the strong dependence on business or doing everything in the process of platform construction, the central positioning will be ambiguous, the ability will be unstable, and standardization will not be possible. This will be highlighted country email list in the follow-up centralized design. .
2. Merchant's Payment Scenario
1) Merchant collection online
Based on different transaction objects, we distinguish between 2C payment and 2B payment. Based on whether the transaction order is linked to the payment order, we distinguish between online payment and offline payment (offline payment often requires matching and write-off of funds and orders).
Online payment 2C:
Merchants do online payment collection for C-end users, and the payment and cashier module of the settlement platform provides payment services in a unified manner. There are two main methods: cashier method and aggregated payment API. The core is 1 docking and obtaining N types Online payment method.
Special emphasis 1: Store retail cashiers need to be differentiated between online payment and offline payment based on whether the cashier is based on an order or a direct payment, and B2C scan code payment is all about the ability to acquire.
Special emphasis 2: The digital human name token has been launched, and it needs to be continuously optimized as a peer-to-peer payment channel. It is currently a small mouse test node, which is more suitable for pure payment scenarios, and does not support smart contract-based clearing for fund splitting.
Here, the settlement platform needs to connect with external financial resources to obtain payment channels, and provide payment methods based on payment channels. The core is the ability to provide payment routing; in the early stage of platform construction, it is recommended to start with manual routing, with multi-channel, multi-scenario and matching strategies After that, the routing model is gradually iterated.
Online payment 2B:
The B-side collection is mainly large, and the payment institution cannot do the collection and payment, and it cannot be packaged into a fast payment for online receipt like the C-side. Online payment is still realized by corporate online banking, bank-enterprise direct transfer, etc. The unified payment service is provided by the enterprise payment module of the settlement platform.