银联互联网支付解决方案.docx

银联互联网支付解决方案.docx

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银联互联网支付解决方案

银联互联网支付解决方案

　　篇一：

银联支付

　　Q/CUP

　　中国银联全渠道系统商户接入测试指引-WAP支付产品

　　版本修订信息

　　目录

　　1文档说明.................................................................................................................6

　　导读...............................................................................................................................6阅读对象.......................................................................................................................6业务术语.......................................................................................................................7技术服务.......................................................................................................................8

　　测试模式划分...................................................................................................8支持获取途径...................................................................................................8

　　2联调步骤向导.........................................................................................................9

　　交易开发.......................................................................................................................9测试联调.......................................................................................................................9切换上线.......................................................................................................................9

　　3测试参数与产品相关交易...................................................................................10

　　测试与生产地址.........................................................................................................10测试卡号.....................................................................................................................10产品相关交易............................（转载于:

小龙文档网:

银联互联网支付解决方案）.................................................................................10产品介绍.....................................................................................................................11

　　4交易模式说明.......................................................................................................11

　　通讯方式.....................................................................................................................11前台交易流程.............................................................................................................12后台资金类交易流程.................................................................................................13查询交易流程.............................................................................................................14

　　3

　　5开发步骤向导.......................................................................................................15

　　前台交易开发步骤.....................................................................................................15后台类异步交易接口开发步骤.................................................................................15后台类同步交易接口开发步骤.................................................................................16单笔查询交易接口开发步骤.....................................................................................16

　　6前台应答与后台通知说明...................................................................................177查询接口说明.......................................................................................................19

　　前台交易.....................................................................................................................19后台资金交易.............................................................................................................19后台非资金交易.........................................................................................................19查询交易.....................................................................................................................19

　　8签名机制...............................................................................................................209加密机制...............................................................................................................2010

　　证书相关说明................................................................................................21

　　概述.........................................................................................................................21证书下载及导出流程（ok）.....................................................................................21

　　证书下载流程................................................................................................21

　　证书导出流程....................................................................................................25

　　11开发包插件使用............................................................................................30

　　JSP/JAVA...............................................................................................................30

　　配置文件说明................................................................................................30主要类和方法说明........................................................................................33

　　4

　　配置文件加载说明........................................................................................35

　　PHP.........................................................................................................................36

　　配置文件说明................................................................................................36主要类与方法说明........................................................................................41

　　.................................................................................................................46

　　配置文件说明................................................................................................46主要类和方法说明........................................................................................50

　　12

　　常见问题问答................................................................................................55

　　5

　　篇二：

《银联卡互联网商户风险管理指南》

　　银联卡互联网商户风险管理指南

　　XX年4月

　　目录

　　第一章总则..............................................................5

　　编写目的............................................................5

　　适用范围............................................................5

　　内容简介............................................................5

　　特别说明............................................................6

　　第二章开展互联网收单业务的前期准备.........................................6

　　认识互联网收单环境及风险............................................6

　　互联网收单业务开设条件..............................................7

　　第三章商户发展..........................................................8

　　制定互联网商户拓展策略..............................................8

　　互联网商户发展渠道..................................................9

　　互联网商户分类......................................................9

　　禁入类商户类型.....................................................10

　　慎重发展类商户类型.................................................10

　　第四章商户审查及审批....................................................11

　　商户审查内容........................................................11

　　互联网商户资质审查..................................................11

　　互联网商户经营能力审查..............................................12

　　商户业务合规性审查..................................................12

　　普通类商户....................................................12

　　平台类商户....................................................13

　　网站和信息安全审查..................................................13

　　业务和欺诈风险状况审查..............................................14

　　商户风险评级........................................................14

　　审批权限及审批流程.................................................15

　　审批权限......................................................15

　　审批流程......................................................15

　　商户灰名单信息库的建立和使用........................................15

　　商户灰名单信息库用途..........................................16

　　商户灰名单信息库基本要素......................................16

　　第五章商户签约..........................................................16

　　协议格式...........................................................16

　　必备风险条款.......................................................16

　　建议补充的条款.....................................................18

　　正确设臵商户参数....................................................19

　　第六章商户风险类型及防范...............................................19

　　商户虚假申请.......................................................20

　　风险特征.....................................................20

　　防范措施......................................................20

　　信息泄露...........................................................21

　　风险特征.....................................................21

　　防范措施.....................................................21

　　套现...............................................................22

　　互联网套现典型模式...........................................22

　　风险特征.....................................................22

　　防范措施.....................................................23

　　恶意倒闭...........................................................24

　　风险特征.....................................................24

　　防范措施.....................................................24

　　欺诈性多笔.........................................................25

　　风险特征.....................................................25

　　防范措施.....................................................25

　　订单欺诈...........................................................25