银行网络支付清算系统分布式架构性能实践与思考  

Performance Practice and Thinking of Distributed Architecture for Bank On-line Payment and Clearing System

作　　者：郑晓燕 ZHENG Xiaoyan(Fujian Rural Credit Union,Fuzhou City,Fujia Province,350000)

机构地区：[1]福建省农村信用社联合社,福建福州350000

出　　处：《长江信息通信》2024年第7期141-143,146,共4页Changjiang Information & Communications

摘　　要：为防范化解系统性金融风险,促进网络支付市场规范健康发展,某银行(以下简称为A行)积极响应央行“断直连”的要求,通过农信银资金清算中心对接网联平台,启动网络支付清算系统项目建设。系统采用基于Dubbo分布式架构实现签约、支付、提现、对账等全流程功能,并通过多轮测试环境和生产环境性能测试后发现问题并持续优化,系统最高支付能力高达600TPS左右,有效保障网络支付清算系统稳定运行。In order to prevent and resolve systemic financial risks and promote the standardized and healthy development of the network payment market,A Bank(hereyinafter referred to as A Bank)actively responded to the central bank's request for"disconnection of direct connec-tions",and started the construction of the nctwork paymcnt and scttlement system project through the Nong xin yin Clearing Center docking with the network platform.The system a-dopts a Dubbo based distributed architecture to achieve full process functions such as signing,payment,withdrawal,and reconciliation.After multiple rounds of testing and production envi-ronment performance testing,problems are identified and continuously optimized.The maxi-mum payment capacity of the system is up to 680 TPS,effectively ensuring the stable operation of the online payment and clearing system.

关 键 词：网络支付 分布式架构 性能 

分 类 号：TP311[自动化与计算机技术—计算机软件与理论]