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Posted: Thu Dec 26, 2024 4:09 am
I remember when I first watched Elon Musk's video talking about first principles, I was deeply shocked. It turns out that complex things can be solved in this way. This article also tries to simplify the complex, explore the essence of the payment system, and clarify some of the basic concepts and design concepts of online payment systems. . Architectural diagram of payment systems of large companies ten years ago If you look at the architectural diagrams of payment systems of large Internet companies ten years ago, you will see that the most basic and low-level parts are still of great reference value today, but the performance, availability, infrastructure, etc. have undergone drastic changes. For example, according to public information, Alipay's payment peak during Double 9 was 5 transactions per second, and the actual capacity should be much higher than this. Innovative enterprises have also undergone major changes, such as the emergence of JD Baitiao, which allows you to pay directly with Alipay or WeChat by scanning a QR code when traveling abroad.
I have posted a few images that are publicly australia email list available online (the source is on the watermark in the lower right corner of the image, and the copyright belongs to the original author. Although the images are a little e, the basic functions of the product are still the same). applicable to this day. From a certain group:described below are extremely simplified and serve only as a starting point and should be enough to understand the concepts. The actual implementation will be much more complicated. These concepts are like some small pieces of the puzzle of a basic payment system. How to define B-end products and B-end product manager methodology Compared with C-side products, the biggest feature of B-side products is that they are user-oriented in certain areas, and the number is much smaller, but they pay more attention to in-depth research into the operational procedures of users.
' professional fields - that is, they are more professional and closely related to the business. See details> Another note: In the following descriptions, "payment system", "payment platform", "payment institution" and "acquisition" are often used interchangeably, but they are essentially the same thing. Internally, it is a payment system, but from the perspective of interaction with external institutions, it is a payment platform. For users, it is payment, and for merchants, it is bill collection for merchants. . The simplest payment process illustrates: This is the simplest payment process. The real interaction is much more complex than this, and an entire article could be written on the cash register display alone. But it is enough to clearly explain the role of the payment system. From the image, we can deduce the basic function of the payment system: helping merchants collect money.
I have posted a few images that are publicly australia email list available online (the source is on the watermark in the lower right corner of the image, and the copyright belongs to the original author. Although the images are a little e, the basic functions of the product are still the same). applicable to this day. From a certain group:described below are extremely simplified and serve only as a starting point and should be enough to understand the concepts. The actual implementation will be much more complicated. These concepts are like some small pieces of the puzzle of a basic payment system. How to define B-end products and B-end product manager methodology Compared with C-side products, the biggest feature of B-side products is that they are user-oriented in certain areas, and the number is much smaller, but they pay more attention to in-depth research into the operational procedures of users.
' professional fields - that is, they are more professional and closely related to the business. See details> Another note: In the following descriptions, "payment system", "payment platform", "payment institution" and "acquisition" are often used interchangeably, but they are essentially the same thing. Internally, it is a payment system, but from the perspective of interaction with external institutions, it is a payment platform. For users, it is payment, and for merchants, it is bill collection for merchants. . The simplest payment process illustrates: This is the simplest payment process. The real interaction is much more complex than this, and an entire article could be written on the cash register display alone. But it is enough to clearly explain the role of the payment system. From the image, we can deduce the basic function of the payment system: helping merchants collect money.