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蚂蚁金服支付宝商户收单服务说明书

Schedule of ServiceD.Alipay Merchant Acquiring Service (“Alipay Acquiring Service” or “Schedule”)A) GENERAL(i) Due Diligencea. Where reasonably requested by the Company at any time, the Merchant will provide a copy of its constitutional documents(such as its corporate registration documents) and such other relevant background or operational information as the Company reasonably believes may assist it in assessing the Merchant (the “Due Diligence Obligations”).b. Failure to comply with the Due Diligence Obligations will be a material breach of this Schedule by the Merchant.c. Before the Company provides the Alipay Acquiring Services, the Merchant will provide the Company with all or such partof the following information as is requested by the Company (collectively, the “Due Diligence Information”):i. email address,ii. legal and beneficial owner information,iii. business name (registered and 'trading as' name),iv. photos of a retail store where Spot Payment is offered,v. business operating address, andvi. any other relevant information upon the Company’s reasonable request from time to time.d. The Merchant will notify the Company of any changes to its Due Diligence Information in a timely manner as soon asreasonably practicable following such change.(ii) Effective DateThis Schedule shall become effective on the date of the Master Agreement For Payment Solutions entered into between the Company and the Merchant.B) SPECIFIC TERMSThe specific terms and conditions of this Schedule appear in Parts A to D of this Schedules hereto.Part AALIPAY SERVICES, SERVICE FEES AND SETTLEMENT1.Service Description.The Company processes Payments from Alipay Users on behalf of Merchant for purchase of Products, enable Merchant to accept payment from Alipay Users,during the term of this Schedule, the Company shall procure Alipay to grant to the Merchant the right to, and the Merchant shall be entitled to, accept the use of Alipay Wallet as offline and online (subject to the Company’s absolute discretion) payment solution for the Products by Alipay Use r/the Merchant’s customer (“Alipay Acquiring Services”). All risks and responsibilities in relation to the Payment shall be addressed and shouldered by the Alipay User and the Merchant.2.Service Feea)General. Merchant shall pay the Company the following fees (the “Service Fee”) in accordance with Clause2(b) of this Part A:For Online and Offline Spot Payment, the Company will charge the Merchant the Service Fee at theapplicable rate set forth in the table below:For online Payment, the Company will charge the Merchant the Service Fee at [ ]%For offline transactions, the Company will charge the Merchant the Service Fee at [ ]% (forMerchant-Presented QR Code).All payments of the Service Fee shall be exclusive of any Tax.b)Payment of Service Fee. The Merchant agrees that the Company may deduct, in whole or in part, any ServiceFee that is due and payable but have not otherwise been paid by the Merchant, from the relevant FundsAvailable for Settlement.c)Over/Under-Charges. If the Company charges the Merchant more than the Service Fee set forth in thisSchedule, the Company will return the additional Service Fee charged to the Merchant as soon as practicable.If the Company charges the Merchant less than the Service Fee set forth in this Schedule, then Merchant shallpay the amount of outstanding Service Fee to the Company as soon as practicable upon the Company’s request.3.Alipay Settlement Processa)Bank Account. The Merchant will bear all losses arising from the incorrect information of its banking details asprovided to the Company in this Schedule.b)Funds Transfer. Subject to the Company exercising its rights to withhold, deduct or set off in accordance withthis Schedule, the Company will transfer to the Merchant an amount equal to the "Net Settlement Amount" inaccordance with the formula set out below:Net Settlement Amount= Settlement Funds –Refunds (if any, as specified under Clause 3(f) below) -Chargebacks (if any) - any other amount that the Company may deduct in accordance with its rights to withhold,deduct or set off under this Schedule; andWhere: Settlement Funds =Funds Available for Settlement – Service Fee.c)Settlement File.Following the transfer of any Net Settlement Amount to the Merchant’s designated bankaccount, the Company will provide, on the same Working Day, a file containing the relevant settlementinformation (“Settlement File”) in relation to that Net Settlement Amount.d)Incidental Fee for Fund Transfer. In connection with transferring the Net Settlement Amount to the Merchantin accordance with this Part A, the Merchant will be solely responsible for bank charges (if any) imposed bybanks through which the Company initiates the transfer of such Net Settlement Amount. For any other fees orcharges imposed by beneficiary banks (where Merchant has a bank account), intermediary banks or otherpayment service providers passing or receiving such Net Settlement Amount on behalf of the Merchant, theMerchant shall be solely responsible for any such fees or charges.e)Refunds.(A)If an Alipay User requests and is due a Refund in accordance with a Merchant’s after-sale servicepolicy or a Refund is required by Applicable Law, the Merchant (as appropriate) will instruct theCompany in a timely manner to make such Refund to the Alipay U ser’s Alipay Account in accordancewith the Refund process to be agreed between the Company and the Merchant.(B)The Merchant hereby agrees to reimburse the Company for each such Refund and for that purposeauthorizes the Company to deduct the amount of each Refund from the Settlement Funds and returnsuch Refund to the relevant Alipay User in accordance with this Clause 3(e).(C)If the amount of the Settlement Funds is not sufficient to process the relevant Refund, the Company willbe entitled to process the Refund only after the amount of such Settlement Funds becomes sufficient topay the amount of such Refund or after the Company otherwise receives from the Merchant an amountsufficient to process the Refund. For the avoidance of doubt, the Company shall not be responsible forany claim or liability that the relevant Alipay User may seek Merchant in the event of any delay inprocessing such Refund.(D)Alipay will not charge any Service Fee in respect of any Refund from the relevant Settlement Fund.Any Service Fee related to a Payment that is subject to a Refund and which has already been deductedfrom the Funds Available for Settlement will be repaid to the merchant by the Company upon theRefund being paid to the Company.(E)the Company only accepts and processes Refund instructions from the Merchant if the request for theRefund is made within ninety (90) days from the date of the Transaction, except for Products relating toair travel that have been specifically agreed by both Parties which the Company will accept and processa request for any Refund up to three hundred and sixty five (365) days from the Transaction date.(F)The Merchant will ensure that any Refund is only effectuated through the system interface provided bythe Company. Any alternative methods for the Refund, including but not limited to bank remittance, aredisallowed.f)Settlement and Settlement Limit. T he Company will transfer the Net Settlement Amount in Hong Kong Dollarto the Merchant’s designated bank account (as provided in the Agreement) within one (1) Working Day fromthe date of Transaction. T he Company reserves the right to adjust the Settlement Limit and charge a fee forSettlement during the Renewal Term(s).g)Enquiry Regarding Settlement. Any enquiry by the Merchant with respect to settlement shall be made inwriting and the Merchant shall provide any information reasonably required by the Company to assist with suchenquiry. T he Company will, acting in a commercially reasonable manner, assist the Merchant in resolving therelevant matter and provide a written response to the Merchant within seven (7) Working Days after receivingsuch written enquiry from Merchant.4.Rules for Risk Management.a)The Merchant agrees that, if the Company determines in its sole discretion that certain features of the AlipayAcquiring Services may be subject to high risk of Unauthorized Payment or fraudulent Transaction, theCompany may suspend or terminate, with reasonable notice, the provision of such part of the Alipay AcquiringServices, including but not limited to adjusting the types, issuing banks and payment limit (whether perTransaction or per day) of the credit card and/or debit card Alipay Users will be able to use to complete thePayment from time to time.b)The Merchant to use its best efforts to promptly answer Alipay User’s enquiries and resolve any disputes inrelation to the goods and/or services provided by the Merchant.c)The Merchant shall be responsible for all costs and loss incurred by any disputes in relation to the goods and/orservices provided by the Merchant and any Unauthorized Payment if such Unauthorized Payment is caused byor due to the Merchant’s default with respect to Transactions, including but not limited to Chargebacks andrelated costs, and the Merchant will comply with the following rules:(A)Transaction Evidence. The Merchant will ensure to provide the Transaction Evidence within three (3)Working Days upon the Company’s request.(B)Reimbursement. If the Company does not receive the Transaction Evidence, or the Company deems theTransaction Evidence to be inadequate, or the Merchant accepts the Chargeback, or the arbitration orpre-arbitration result is not in favor of the Merchant, in the case that the Merchant elects to proceedwith the arbitration or the pre-arbitration (or equivalent procedure) to resolve the Chargeback and sucharbitration or pre-arbitration (or equivalent procedure) determines that there is a Chargeback, theChargeback amount regarding the Transaction in question will be deducted from the Settlement Fundsin the next settlement cycle in accordance with Clause 3 (b) of this Part A. .(C)Reimbursement Obligation. Provided Transaction Evidence has been requested, the Company may,having made due enquiry of the Alipay User, determine to reimburse an Alipay User in the event ofany Unauthorized Payment. The Merchant agrees to indemnify and hold harmless the Company for theamount to be agreed between the Merchant and the Company (each acting reasonably) reimbursed tothe Alipay User. In the event of any disputes in relation to the goods/services with card payments, theMerchant agrees to follow card association’s rules.5.Payment Policiesa)Responsibilities for Service Fee. The Merchant will pay any Service Fee for using the Alipay Services and willnot, directly or indirectly, transfer any such Service Fee, that it may be charged, to the Alipay Users in addition to what a Merchant would charge a customer for the relevant Transaction in the normal course of business.b)Alipay Wallet as Payment Method. The Merchant will not restrict its customers in any way from using AlipayWallet as a Payment method at checkout at any sales channel, including but not limited to requiring a minimum or maximum purchase amount (except due to the transaction control required by Applicable Laws) from customers using Alipay Wallet to make Payments.c)Prohibited Products. The Merchant fully acknowledges that must not provide Alipay Acquiring Services withrespect to any Transaction which is prohibited by this Schedule (including Payments in relation to Prohibited Products), Applicable Law or violates the Company and Alipay’s internal policies (as notified to the Merchant from time to time), or which will result in the Company being considered to have breached any Applicable Law.The Merchant will provide the Company information about its Merchant’s Products as reasonably requested by the Company from time to time. The Merchants will not sell Products through Alipay’s and the Company’s Platform that contain articles prohibited or restricted from being sold to Alipay Users under any Applicable Law, including without limitation the products listed in Appendix I, which may be updated by the Company and/or Alipay and notified to the Merchant from time to time (together, “Prohibited Products”). The Merchant will ensure that no Transaction being submitted for the Company’s processing involves or relates to any Prohibited Products (“Prohibited Transaction”). T he Company will have the right to refuse to provide any Alipay Acquiring Services with respect to any Prohibited Transaction and the Merchant will indemnify the Company for any damages, losses and liabilities that the Company may suffer arising from or in connection with such Prohibited Transactions.d)Products.The Merchant will use Alipay Acquiring Services only for the Products in connection withMerchant’s principal business as notified by the Merchant to the Company in accordance with this Schedule. The Merchant shall not make a request for Payment or settlement for any Transaction unless the Merchant is in the course of conducting a sales and purchase transaction with respect to the provision of the Products to Alipay Users. Cash Advances by the Merchant or by Merchant to Alipay Users are not allowed in any circumstances.The Merchant hereby agrees, warrants and represents to the Company on each of its request for Payment that each relevant Transaction thereunder has been duly and properly authorized and completed according to the terms and conditions of this Schedule and that the details of the Transactions are true and correct.e)Storage of Transaction Information. The Merchant will, maintain the records for each Transaction to justifyits authenticity for a period of seven years after the completion of the Transaction and the Company shall be entitled to review or otherwise access such records. Subject to any legal restrictions under Applicable Law, The Merchant will ensure that the Company, Alipay, the relevant service providers of Alipay and the Company and/or regulatory or governmental authorities having jurisdiction over Alipay and the Company be provided with or granted access to, the relevant Transaction information including but not limited to information on each Merchant, Products, and the amount, currency, time and counterparties to each Transaction, within three (3) Working Days of the Company’s request. Subject to any restriction under Applicable Laws, the Company will advise the Merchant of the names of such service providers or regulatory/governmental authorities and the subject matter to which such requests relate.f)Set off & Withholding. The Merchant agrees that the Company shall be entitled, at its sole discretion, to set off,withhold settlement of or deduct any sums payable and liability of any nature from time to time due, owing or incurred by the Merchants) to the Company(or any the Company Affiliate) under this Schedule against any monies and liabilities of any nature, including Payments, from time to time due, owing or incurred by the Company under this Schedule. The circumstances under which the Company may exercise its rights under this Clause include, but are not limited to,:(A)if the Merchant fails to comply with any term of this Schedule;(B)if the Company believes that the Merchant has or is likely to become subject to bankruptcy,insolvency, reorganization, winding up or similar dissolution procedures;(C)if the Company reasonably believes that there has been a material deterioration in the financialcondition of the Merchant; and(D)if the Company reasonably believes that any Transaction is a Prohibited Transaction.The Merchant shall not be entitled to retain or set-off any amount owed to it by the Company against any amountdue from the Merchant (or its Merchants) to the Company.6.Cooperation with the Company.a)In consideration of the mutual agreements and promises set forth in this Schedule, and for other good andvaluable consideration the receipt and sufficiency of which is hereby acknowledged, for the Term of thisSchedule, The Merchant, including its Affiliates, and its and their officers, shareholders, directors shall not inany way engage in any other payment acquiring service (other than the Service).b)The Merchant agrees that the limitations in this Clause are in the public interest by protecting the general publicfrom confusion and the passing off of other competing services and that the preferential rates as stipulated underthis Schedule adequately compensate it for these limitations.Part B ALIPAY ACQUIRING SERVICE TERMS AND CONDITIONS1.Definitions. Capitalized terms not defined in this Part B will have the meaning given to them in this Schedule includingthose set out in Part D, unless the context requires otherwise.2.Alipay Acquiring Services. T he Company will provide the Merchant certain service as described in Part A. Each of theCompany and the Merchant will perform and comply with its respective responsibilities set forth in this Schedule.3.Fees. In consideration for the Company providing the Alipay Acquiring Services to the Merchant in accordance with the termsof this Schedule, the Merchant will pay the Company the Service Fee and other fees or charges as set out in Part A. T he Company reserves the right to adjust such fees upon thirty (30) days prior written notice.4.Representations and Warranties. Each Party makes each of the following representations and warranties to the other Party,and acknowledges that such other Party is relying on these representations and warranties in entering into this Schedule.A.Authorization. The Party represents and warrants the following (collectively, the “Authorization Warranties”):(i)it is an independent corporation duly organized, validly existing and in good standing under the laws of jurisdictionof its incorporation;(ii)it is properly registered to do business in all jurisdictions in which it carries on business;(iii)it has all licenses, regulatory approvals, permits and powers legally required to conduct its business in each jurisdiction in which it carries on business; and(iv)it has the corporate power, authority and legal right to execute and perform this Schedule and to carry out the transactions and its obligations contemplated by this Schedule.B.Validity. Each Party represents and warrants that once duly executed by the Party this Schedule shall constitute valid andbinding obligations on the Party, enforceable in accordance with its terms. Except as otherwise stated in this Schedule, no approval or consent of any person or government department or agency is legally or contractually required to be obtained by the Party in order to enter into this Schedule and perform its obligations.C.No Conflicts. Each Party represents and warrants that (a) the execution of this Schedule, nor (b) the consummation bythe Party of this Schedule will (i) conflict with the certificate of incorporation or by-laws or any other corporate or constitutional document of the Party or (ii) breach any obligations of the Party under any contract to which it is a party or (ii) violate any Applicable Law.D.Litigation.Each Party represents and warrants that there is no litigation, proceeding or investigation of any naturepending or, to the Party’s knowledge, threatened against or affecting the Party or any of its Affiliates, which would reasonably be expected to have a material adverse effect on its ability to perform its obligations under this Schedule.pliance with Law.A.General. Each of the Parties will comply with any Applicable Law in connection with the operation of its business andperformance of its obligations under this Schedule. Merchant will at its own cost, keep such records and do such things as are reasonably necessary to ensure that Alipay and the Company complies with any Applicable Law; provided always that Merchant shall not be required to do anything which is inconsistent with or in breach of any applicable laws.rmation Verification. In order for Alipay to satisfy its obligations and to comply with the relevant requirementsunder Applicable Law, upon reasonable request by Alipay, Merchants will share, records and information (including Transaction information and records with Alipay from time to time and Alipay is authorized by Merchant to provide the relevant records and information to governmental agencies, regulatory authorities and third party service providers for examination and verification as necessary.C.AML Requirements. The Merchant shall comply with all Applicable Law on anti-money laundering, counter-terrorismfinancing and sanctions (together “AML”). The Merchant shall fully cooperate with the Company’s reasonable due diligence (on site or in writing) of the Merchant’s AML polici es and procedures, including but not limited to merchantmanagement, sanctions and political exposed people review, suspicious transactions monitoring and reporting. In accordance with its AML, anti-fraud, and other compliance and security policies and procedures, the Company may impose reasonable limitations and controls on Merchant’s ability to utilize the Alipay acquiring Services. Such limitations may include but are not limited to rejecting Payments and/or or suspending/restricting any Alipay Acquiring Service with respect to certain Transactions.6.Disclaimer.TO THE EXTENT PERMITTED BY APPLICABLE LAW AND EXCEPT AS OTHERWISE EXPRESSLYSTATED, ALIPAY DISCLAIMS ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS, IMPLIED, COMMON LAW OR STATUTORY INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF TITLE, LICENSEABILITY, DATA ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND USE OF REASONABLE SKILL AND CARE OR THAT THE ALIPAY SERVICES, THE ALIPAY PLATFORM OR ANY APPLICATION, WEBSITE, PRODUCT PROVIDED OR USED IN CONNECTION WITH THE ALIPAY SERVICES WILL BE ERROR FREE OR OPERATE WITHOUT INTERRUPTION.7.Indemnification.A.General Indemnity.Subject to Clause 8 below, each Party (the “indemnifying Party”) will indemnify the other Party(the “indemnified Party”) from and against all actions, claims, demands, liabilities, obligations, losses, costs (including, but not limited to legal fees, expenses and penalties) and interest suffered, incurred or sustained by or threatened against the indemnified Party arising out of any breach or violation of this Schedule by the indemnifying Party or any gross neglect, willful misconduct, fraud or dishonesty by the indemnifying Party or any of its employees or agents.B.Third party IP Indemnity for Alipay. The Merchant shall indemnify and defend Alipay and its Affiliates from andagainst any claim that any license the Merchant and/or its Affiliates granted under Clause 9 of Part B or the exercise thereof in accordance with this Schedule constitutes an unauthorized use or infringement of any Intellectual Property rights of a third party (“IP Claim against Alipay”).C.Notwithstanding anything to the contrary, nothing under this Schedule shall be construed to exclude or limit Company’sliability in connection with its obligations under Clause 3 of this Part B.8.Limitation of Liability. To the extent permitted under Applicable Law, under no circumstances will Alipay and theCompany or its Affiliates be liable under any theory of tort, contract, strict liability or other legal or equitable theory for lost profits (whether direct or indirect), indirect, incidental, special, consequential or exemplary loss or punitive damages, each of which is excluded by agreement of the Parties regardless of whether such losses and/or damages were foreseeable or whether Merchant had been advised of the possibility of such damages. Notwithstanding anything in this Schedule to the contrary, other than Alipay’s settlement obligations under Clause 3 of Part A, Alipay’s aggregate liability, including for claims, expenses, damages or indemnity obligations under or in connection with this Schedule or the Alipay Services, will not exceed the lesser of (a) USD$500,000 and (b) the total fees payable by Merchant to Alipay for the Alipay Services provided in the Twelve (12) complete calendar months preceding the date of the first event giving rise to a claim upon which liability is based.9.Intellectual Property.A.The Company’s License to the Merchant. T he Company owns all rights, title or interests in and to the IntellectualProperty associated with the provision of the Alipay Acquiring Services, or has otherwise been granted the appropriate licenses by the relevant owner with respect to such Intellectual Property. Subject to the terms of this Schedule and, as the case may be, any agreement between the Company and the owner of the relevant Intellectual Property, the Company hereby grants Merchant during the term of this Schedule, a license to use the relevant Intellectual Property in the Alipay Acquiring Services, the Alipay Acquiring Platform and the Alipay branding and logo (it owns or is entitled to use) solely for the purpose of using the Alipay Acquiring Services in accordance with this Schedule. Such license to use the relevant Intellectual Property granted in favor of Merchant is non-exclusive, non-sublicensable (other than to Merchants as permitted by and in accordance with Clause 4 of Part C) and non-transferrable, and may be modified or revoked by the Company in writing at any time during the term of this Schedule. The Merchant shall be permitted to use Alipay's branding and logo solely as required for the purpose of using the Alipay Acquiring Services and strictly in accordance with the provisions of Clause 4 of Part C. T he Company agrees that the licenses granted under this Clause 9 and the Merchant's use of such Intellectual Property under this Schedule will not confer any proprietary right, and the Merchant agrees to take reasonable care to protect all such Intellectual Property from infringement or damage and cease all use of such Intellectual Property immediately upon termination of this Schedule.B.The Merchant’s License to the Company. During the term of this Schedule for the limited purposes of performing theobligations set forth in this Schedule and subject to the terms of this Schedule, the Merchant grants to the Company a non-exclusive, non-transferable, royalty-free license to use, reproduce, publish, distribute and transmit any of the Merchant ’s marketing materials, proprietary indicia or other similar items containing the Intellectual Property of the Merchant("Merchant IP") necessary for the Company to perform its obligations contemplated by this Schedule and to refer to the name of the Merchant in the public announcement as one of the partners using the Alipay Acquiring Services. The Merchant represents and warrants to the Company that it has obtained all necessary authorities, permissions, approvals and licenses to license the Merchant IP to the Company and that the Merchant IP does not infringe the Intellectual Property of any third party.10.Data privacy. Each Party will take all commercially reasonable endeavours to ensure that the Personal Information isprotected against misuse and loss, or unauthorized access, modification or disclosure and will promptly notify the other Party of any loss of, or any unauthorized disclosure of or access to, the Personal Information. Each Party may retain records of Payments for complying with Applicable Law a nd internal compliance requirements. “Personal Information” means personal information or data, whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or data, processed by either Party in connection with this Schedule. T he Company may transfer Transaction data, including Personal Information, to any of its Affiliates that have been delegated any of its obligations under this Schedule.11.Taxes.A.To the extent permitted by Applicable Law, all Taxes arising from or in connection with all payments between theCompany and the Merchant under this Schedule shall be for the account of and liability of Merchant, unless agreed otherwise in writing by the Parties.B.For the avoidance of doubt, (i) all amounts payable by the Merchant to the Company under this Schedule are exclusive ofany Taxes imposed by the relevant taxation authority of applicable jurisdictions to which the Merchant is subject which shall be for the account of the Company; and (ii) any Taxes imposed by the relevant taxation authority of applicable jurisdictions to which the Merchant is subject, including without limitation value added tax or other Taxes of similar nature, arising out of or in connection with any Transaction or this Schedule, shall be for the account of the Merchant.C.Each Party shall be responsible for any and all Excluded Taxes that it is liable for under Applicable Law.D.Where a Party is required under Applicable Law relating to tax to fulfil its tax obligations, including but not limited tocommon reporting standard, imposed by any taxation authority, the other Party shall promptly provide information and documents as requested by that Party to the extent permitted by Applicable Law.E.Nothing contained in this Schedule is intended to result in one Party assisting the other Party to evade any Taxes in theapplicable jurisdictions to which the other Party is subject.12.Confidential Information.Each Party acknowledges that the Confidential Information of the other is valuable to it andagrees to treat all Confidential Information received from the other Party in connection this Schedule as confidential. Neither Party will disclose such Confidential Information to any third party except to perform its obligations under this Schedule or as required by Applicable Law or government authorities, and in each case, the disclosing Party will, to the extent permitted under Applicable Law, give the other Party prior notice of such disclosure. Upon termination of this Schedule or at the written request of the other Party, each Party will promptly return or destroy all material embodying Confidential Information of the other. Notwithstanding the foregoing, each Party may retain reasonable copies of the other Party's Confidential Information to comply with Applicable Laws or in order to exercise its rights under this Schedule, provided that such retained Confidential Information will not be disclosed or used for any other purposes. “Confidential Information” means all non-public, proprietary or other confidential information, whether in oral, written or other form, including but not limited to: the content and performance of this Schedule, business plans, capitalization tables, budgets, financial statements; costs, prices, and marketing plans, contracts and licenses, employee, customer, supplier, shareholder, partner or investor lists, technology, know-how, business processes, trade secrets and business models, notes, sketches, flow charts, formulas, blueprints, and elements thereof, and source code, object code, graphical design, user interfaces and other Intellectual Property, including that of any customer, supplier or other third party (including, in the case of the Company, the interface technologies, security protocol and certificate to any other website or enterprise provided by the Company) .13.Publicity. Neither Party will issue any press release or make any public announcement pertaining to this Schedule without theprior written consent of the other Party unless required by Applicable Law binding the Party. However, the preceding limitation will not be interpreted to prevent Alipay from making general statements about Alipay’s business or about services similar to the Alipay Services in or outside of the jurisdiction where Merchant is located.14.Notice.All business correspondence in relation to the business as usual operation of the Alipay Acquiring Services andamendment of any matters in relation to this Schedule (other than in respect of notification of a change of Company legal name) will: all notices and other communications given in connection with this Schedule (including changing any terms of this Schedule and, in the case of the Company, notification of a change of Company legal name) will be in writing, and will。

口袋支付API接口文档

口袋支付平台商户支付功能接口规范版本号修订日期2.0 2013年4月17日3.0 2015年6月15日3.2 2015年10月27日功能说明：本接口主要目的是为了让商户自有系统自由接入口袋支付平台，完成网站支付接入，用户支付后，平台会即时返回结果给商户。

接口商户是根据口袋支付提供的接口文档传递相关的请求参数到平台里，口袋支付平台验证参数后，会引导用户到相应的页面进行支付操作，用户成功填入支付信息后，口袋支付平台将用户的支付成功与失败状态通知商户。

接口商户可以在自己的页面带入一些附加信息，口袋支付平台在回调时将该信息原样返回。

本接口支持那些语言？本平台接口支持大部分web语言，比如ASP，PHP，ASPX，JSP。

接口支持的协议方式？本平台使用http+GET/POST方式，如需https协议，请与平台客服联系。

- 1 –口袋支付接口应用类型？接口是面向所有需要支付购买的行业，软件、商城、游戏等均可以进行集成接入。

接口提交编码？口袋支付接口统一编码为：GB2312，编码错误可能导致乱码订单错误或者不能正确返回结果。

支付流程图- 2 –口袋支付网关接口规范（1）网关接口提交参数：商户向平台网关提交的参数卡类网关地址：/pay/Card.aspx网银网关地址：/pay/Bank.aspx兼容易宝卡类网关地址：/gateway/yeepay/Card.aspx兼容易宝网银网关地址：/gateway/yeepay/Bank.aspx网银网关包括支付宝、微信、财付通等非卡类支付方式具体通道编码详见具体参数详见附录参数参数说明参与签名类型备注P_UserId商户ID 是整型数字必须（商户管理中心查看）P_OrderId 商户订单号是字符串，最长32位必须，在商户系统中保持唯一P_CardId 卡类交易时的卡号是字符串，最长20位卡类交易时必须，网银支付为空P_CardPass 卡类交易时的卡密是字符串，最长20位卡类交易时必须，否则可为空P_FaceValue 面值是float，保留2位小数必须P_ChannelId 充值类型是整型数字必须(具体参数详见附录)P_Subject 产品名称否字符串，最长20位可为空P_Price 产品价格否float，保留2位小数必须，可传0- 3 –口袋支付P_Quantity 产品数量否整型数字必须P_Description 银行ID 否字符串，最长20位充值类型为在线银行时必填P_Notic 用户附加信息否字符串，最长50位可为空P_Result_URL 充值状态通知地址否字符串，最长100位必须P_Notify_URL 充值后网页跳转地址否字符串，最长100位可为空P_PostKey 签名认证串－字符串必须说明：1.签名认证P_PostKey的生成：必须按照“参与签名”状态为“是”的参数按其顺序用“|”组合，最后加上用户密钥，然后进行32位的md5编码，比如：P_PostKey=md5_32(P_UserId| P_OrderId| P_CardId| P_CardPass |P_FaceValue| P_ChannelId|SalfStr)，SalfStr是您的安全码，如安全码被泄漏可通过平台重置。

(完整word版)支付宝接入接口文档

精品文档,值得拥在支付宝接入接口文档目录微侬付接入接口文档 (1)1API介绍 (3)1.1接II调用方式 (3)2Ap说明 (4)2.1获取商户开通的支付方式................................. 错误!未定义书签。

2.1.1功能描述......................................... 错误!未定义书签。

2.1.2访问地址........................................... 错误!未定义书签.2.1.3请求参数......................................... 错误!未定义书签，2.1.4应答参数......................................... 错误!未定义书签。

2.2扫码支付接口（商户扫消费者） (4)2.2.1功能描述 (4)2.2.2访问地址 (4)2.2.3请求参数 (4)2.2.4应答参数 (5)2.3消费撤销 (5)2.3.1功能描述 (5)232访问地址 (5)2.3.3请求参数 (5)2.3.4应答参数 (6)2.4消费退款............................................... 错误!未定义书签。

2.4.1功能描述 ........................................... 错误!未定义书签.2.4.2访问地址 .......................................... 错误!未定义书签。

2.4.3请求参数 .......................................... 错误!未定义书签。

2.4.4应答参数 ........................................... 错误!未定义书签.2.5已退款订单查询 (6)2.5.1功能描述 .......................................... 错误!未定义书签。

智付3.0网银支付接口文档

网银网关支付接口规范深圳市快汇宝信息技术有限公司版权所有侵权必究网银网关支付接口规范 (1)1. 概述 (3)1.1. 目的 (3)1.2. 术语与缩略语 (3)1.3. 适用范围 (3)1.4. 接口清单 (3)1.5. 典型业务流程 (4)1.6. 获取商户号和支付密钥 (4)2. 接口定义 (5)2.1. B2C支付交易接口 (5)2.1.1. 描述 (5)2.1.2. 接口参数定义 (5)2.1.3. 错误码定义 (7)2.2. 支付结果通知接口 (7)2.2.1. 描述 (7)2.2.2. 接口参数定义 (7)2.3. 单笔交易查询接口 (9)2.3.1. 描述 (9)2.3.2. 接口参数定义 (9)2.3.3. 响应参数定义 (9)2.4.附录 (11)2.4.1. 网关地址 (11)2.4.2. 签名规则定义 (11)2.4.3. 银行代码对照表 (11)2.4.4. 点卡直连代码对照表 (12)2.4.5. 错误码定义 (12)2.4.6. 常见问题 (15)1.概述1.1.目的本文档定义了如下接口：商户网站与智付支付平台间的B2C支付接口、商户网站与智付支付平台间的支付结果通知接口（包括：页面跳转同步通知接口、服务器后台异步通知接口）、商户网站与智付支付平台间的单笔交易查询接口。

1.2.术语与缩略语商户号：商户在智付平台注册的唯一标识账号。

商户密钥：商户与智付合作，商户可在商户后台（https://）自行设定的密钥，初始值为空。

密钥由数字、字母和下划线组成，不少于20位字符。

密钥是商家使用智付提供的加密控件对订单信息进行加密和签名、智付返回支付结果给商家的密文进行解密和验证签名的钥匙。

网银直连：用户在使用网银直连时，根据商户提交的银行代码直接跳转到对应的银行页面，省去了中间跳到第三方支付收银台选择银行这一步。

页面通知：智付获取数据处理完成之后，会在几秒之后（或者用户手动点击）从智付支付页面跳转至商户指定的页面，同时会携带处理完成之后的反馈信息，包含的信息和后台通知地址信息一致。

接口流程拉通方案

接口流程拉通方案文档变更记录1.引言1.1编写目的和范围美的消费金融整个流程是通过把各个业务做成接口通过dubbo对外提供服务;各个模块之间是通过调用接口来实现业务的;对于开发人员：此文档例出接口提供方应实现哪些接口和接口调用方对应的调用接口的方法,以及各模块接口调用的关系;对于业务人员帮助熟悉理解整个流程,更好理解各业务模块之间的关系;2.接口设计总体概述2.1流程概述本方案涉及的接口有产品,渠道,风控,贷前贷中,核算,涉及到的系统有EDP,渠道,cmis,核算．系统之间通过互调接口实现业务．整个业务流程接口,渠道调产品的接口得到相关的产品信息然后调风控的接口进行信用的评估,评估通过后在cmis中进行美的贷审批,审批后调用核算接口进行放款结算相关业务,流程图如下：3.各个模块之间接口互相调用关系各个模块之间接口提供者和调用分开,各个模块接口由各组成员开发实现,对外通过duboo暴露接口注入zookeeper．当业务需要调用接口的时候直接调用暴露的接口实现业务．各接口调用关系如下：3.1产品组3.2风控组3.3核算组3.4渠道组3.5贷前贷中组4.接口串连demo4.1Web容器加载dubbo启动类Tomcat启动时读取配置文件,所在目录：/cmismd/WebContent/WEB-INF/；在web里增加servlet<servlet><servlet-name>ProviderInit</servlet-name><load-on-startup>6</load-on-startup></servlet>类Provider init方类启动dubbo4.2Dubbo接口参数配制Dubbo启动时加载参数配制：所在目录：/cmismd/src/main/config/参数解析：dubbo:application：提供方应用信息,用于计算依赖关系dubbo:registry：使用注册中心暴露服务地址dubbo:protocol：用dubbo协议在端口暴露服务dubbo:service：声明需要暴露的服务接口4.3渠道调用产品接口：门店信息查询产品服务提供配制：<-- 根据店员代码取得其所在门店或商户的信息 --><bean id="sCooprExternalService"class= /><dubbo:service interface= ref="sCooprExternalService"/>服务接口类：目录：/cmismd/src/main/java/com/yucheng/cmis/dubbo/service/scooprpackageimportimport/门店信息查询:author yusysmoduleIdcreateDate 2016-8-23 10:09:59/public interface SCooprExternalServiceInterface {/根据门店员工代码查询门店信息param usrCdereturn SCooprBO/public SCooprBO queryStoreInfoString usrCde; }服务接口实现类：目录：/cmismd/src/main/java/com/yucheng/cmis/dubbo/service/ scoopr/impl接口实现类示例：SCooprExternalServiceInterfaceImplpackageimportimportimportimportimportimportimportimportimportimportimport ;/门店信息查询:author yusysmoduleIdcreateDate 2016-8-23 10:09:59/Servicepublic class SCooprExternalServiceInterfaceImpl implements SCooprExternalServiceInterface {/根据门店员工代码查询门店信息param usrCode 门店员工代码return SCooprBO 门店信息/Overridepublic SCooprBO getSCooprByUsrCodeString usrCode{SCoopr sCoopr = getDBDatausrCode, "getSCooprByUsrCode";SCooprBO dest = new SCooprBO;;return dest;}/根据门店员工代码查询门店信息param usrCdereturn SCooprBO/public SCooprBO queryStoreInfoString usrCde{SCoopr sCoopr = getDBDatausrCde, "getSCooprByUsrCode";SCooprBO dest = new SCooprBO;;return dest;}/根据合作机构代码查询付款间隔param cooprCodereturn/Overridepublic Integer getCooprPayIntervalString cooprCode { return getDBDatacooprCode, "getCooprPayIntervalByCooprCode"; }/根据合作机构代码查询付款阈值param cooprCodereturn/Overridepublic BigDecimal getCooprPayThresholdString cooprCode { return getDBDatacooprCode, "getCooprPayThresholdByCooprCode"; }/根据合作机构代码查询日放款上限param cooprCodereturn/Overridepublic BigDecimal getUpperLimitForDayString cooprCode { return getDBDatacooprCode, "getUpperLimitForDayByCooprCode"; }/根据合作机构代码查询付款延期天数param cooprCodereturn/Overridepublic Integer geMaxDeferDaysString cooprCode {return getDBDatacooprCode, "getMaxDeferDaysByCooprCode";}SuppressWarnings"unchecked"private <T> T getDBDataString singleValue, String sqlId {Connection connection = null;T ret = null;try {connection = ;ret = T sqlId, singleValue, connection;} catch Exception e {;try {;} catch SQLException e1 {;}"SCooprExternalServiceInterfaceImpl", , 0, "getDBData : sqlId : %s, singleValue : %s, catch erro msg : %s", sqlId, singleValue, ;}finally{if connection = null{try {;} catch SQLException e {;"SCooprExternalServiceInterfaceImpl", , 0, "getDBData : sqlId : %s, singleValue : %s, finally erro msg : %s", sqlId, singleValue, ;}}}return ret;}}服务接口javabeen：packageimport/门店信息param usrCde/public class SCooprBO extends CMISBO { /构造函数/public SCooprBO{init;}/构造函数/public SCooprBOMap initData{init;}/构造函数,初始化表名和主键字段名/public void init{= "S_COOPR";= new String{ "coopr_seq", };}/获取合作机构代码的值return返回String 合作机构代码/public String getCooprCde{return"coopr_cde" == null null:String"coopr_cde"; }/设置合作机构代码的值param CooprCde String 合作机构代码/public void setCooprCdeString CooprCde{"coopr_cde", CooprCde;}/获取合作机构名称的值return返回String 合作机构名称/public String getCooprName{return"coopr_name" == null null:String"coopr_name"; }/设置合作机构名称的值param CooprName String 合作机构名称/public void setCooprNameString CooprName{"coopr_name", CooprName;}/获取合作状态的值return返回String 合作状态/public String getCooprSts{return"coopr_sts" == null null:String"coopr_sts"; }/设置合作状态的值param CooprSts String 合作状态/public void setCooprStsString CooprSts{"coopr_sts", CooprSts;}/获取登录用户名的值return返回String 登录用户名/public String getUsrCde{return"usr_cde" == null null:String"usr_cde"; }/设置登录用户名的值param UsrCde String 登录用户名/public void setUsrCdeString UsrCde{"usr_cde", UsrCde;}/获取用户姓名的值return返回String 用户姓名/public String getUsrName{return"usr_name" == null null:String"usr_name"; }/设置用户姓名的值param UsrName String 用户姓名/public void setUsrNameString UsrName{"usr_name", UsrName;}/获取证件类型的值return返回String 证件类型/public String getUsrIdTyp{return"usr_id_typ" == null null:String"usr_id_typ"; }/设置证件类型的值param UsrIdTyp String 证件类型/public void setUsrIdTypString UsrIdTyp{"usr_id_typ", UsrIdTyp;}/获取证件号码的值return返回String 证件号码/public String getUsrIdNo{return"usr_id_no" == null null:String"usr_id_no";}/设置证件号码的值param UsrIdNo String 证件号码/public void setUsrIdNoString UsrIdNo{"usr_id_no", UsrIdNo;}/获取A-生效,I-失效,W-待生效的值return返回String A-生效,I-失效,W-待生效/public String getUsrSts{return"usr_sts" == null null:String"usr_sts"; }/设置A-生效,I-失效,W-待生效的值param UsrSts String A-生效,I-失效,W-待生效/public void setUsrStsString UsrSts{"usr_sts", UsrSts;}}渠道调用产品配制：<-- 首次登陆获取门店信息 -->渠道调用接口实现：Autowiredprivate SCooprExternalServiceInterface ecfStoreService;4.4渠道调风控接口：芝麻信用渠道调EDP芝麻信用接口：授权产品服务提供配制：服务接口类：目录：l\commons\接口报文解析示例：AbstractPhaseInterceptor;public class MideaInterceptor extends AbstractPhaseInterceptor<SoapMessage> {private static final Logger LOG = ;public MideaInterceptor {super;}public void handleMessageSoapMessage message throws Fault {解析报文的命名空================================ /String schemaNamespace = "";try {reateXMLStreamReaderpis, encoding;DepthXMLStreamReader xmlReader = new DepthXMLStreamReaderreader;if == {String ns = ;SoapVersion soapVersion = .getSoapVersionns;xmlReader, ;;}schemaNamespace = .getNamespaceURI;"schemaNamespace:"+schemaNamespace;;} catch Exception e {"不合法报文,解析获取报文schemaNamespace错误";;throw new RuntimeException"不合法报文,解析获取报文schemaNamespace 错误";}根据Namespace选取对应的Endpoint================================== /Bus bus = ;ServerRegistry serverRegistry = ;List<Server> servers = ;Endpoint ep = null;for Server server : servers {ep = ;if .getName.getNamespaceURI {break;} else {ep = null;}}if ep == null {return;}/ =======================设置新Endpoint================================== /Exchange ex = ;, ep;, ;, ;etInInterceptors;.getInInterceptors;;}}风控调EDP接口:芝麻信用分产品服务提供配制：<-- 根据店员代码取得其所在门店或商户的信息 --><<-- 芝麻信用接口 --><dubbo:reference id="zmxyService"timeout="30000"version=""interface=/>服务接口类：目录：定义接口示例：zmxyRule<-- 使用zookeeper注册中心暴露服务地址 --><dubbo:registry protocol="zookeeper"address=/><-- 提供方应用信息,用于计算依赖关系 --><dubbo:application name= />public class DubboSpringUtil {private volatile static ApplicationContext act = null;public static ApplicationContext getInstance {if act == null {synchronized {if act == null {, , 0,"-----------进入了DubooSpringUtil等于null-----------";String configLocations = new String1;configLocations0 = "classpath:";act = new ClassPathXmlApplicationContextconfigLocations;}}}return act;}/获取芝麻信用分param reqMapparam connreturnthrows Exception/SuppressWarnings{ "rawtypes", "unchecked" }public Map<String, Object> zmxyRuleMap<String, Object> reqMap,Connection conn throws Exception {String applSeq = "appl_seq";String id_no = "id_no";String id_typ = "id_typ";id_no, "证件号码为空" ;etInstance.getModuleServiceById"lcApplServices", "lcappl";ZmxyService zmxyService =ZmxyService .getBean"zmxyService";ResponseData<String> res = id_no, true;if res = null {"IN_芝麻信用分",;ueryLcApplApptByApplSeqAndTyp new BigDecimalapplSeq,"01", conn;new BigDecimal;lcApplApplt, conn;"zhiMaScore",;heckZmxyScoreengInMap;if"02".equals"OUT_信用分是否准入".toString {"id_typ", id_typ;"id_no", id_no;"OUT_风险等级", "05"; etComponentFactory"CMISBiz".getContext null, "rootCtx";dataSource = DataSource "dataSource";conn = dataSource;rim;"id_no", .trim;"loan_typ", .trim;lmList = List<LmLimit> "queryLmLimitById",paraMap, conn;oubleValue;etInstance.getModuleServiceById"accountServiceInterface","interfacemanagement";String lmstatus = null;rim;.trim;"00";CustomerInquiryRespBo res =req, conn;if res==null{throw new Exception"ERRPR客户交易查询无返回信息";}else ifthrow new Exception"ERROR"++;}else{List<LnLoan> lnLoanList = ;BigDecimal useAmt = ;if lnLoanList{for LnLoan lnLoan:lnLoanList{useAmt = new BigDecimal;}usedAmt = ;lmtAmt;ubtractuseAmt.doubleValue;ewStatusByLmtSts lmstatus;"01";}}else if lmtAmt;usedAmt;ewStatusByLmtSts lmstatus;"02";}else if {ewStatusByLmtSts lmstatus;"02";}} else {oubleValue;;.doubleValue;}else{;;;}LmLimitAgreementDubboServiceImpl.newStatusByWfApprSts wfApprSts;cfFeedBackDao; import .;import EcfFeedBackService;import .EcfFeedBackBO;import .EcfFeedBackRe;import .EcfFeedBackReturnBO;import=public class EcfFeedBackImpl implements EcfFeedBackService{private EcfFeedBackDao ecfFeedBackDao;/ non-JavadocEcfFeedBackService/public Integer addEcfFeedBackEcfFeedBackBO ecfBo {EcfFeedBackDO ecf=new EcfFeedBackDO;try {ecfBo, ecf;return ecf;} catch Exception e {}return 0;}/ non-JavadocEcfFeedBackService/public EcfFeedBackReturnBO querySugestionFeedBackConBO ecfBo{EcfFeedBackDO ecf = new EcfFeedBackDO;EcfFeedBackReturnBO feedbackrbo = new EcfFeedBackReturnBO;List<EcfFeedBackDO> getFeedBackList = new ArrayList<EcfFeedBackDO>; List<EcfFeedBackRe> feedbackre = new ArrayList<EcfFeedBackRe>;Map<String, Long> totalrecoreMap = new HashMap<String, Long>;ecfBo, ecf;Integer tempa = ;Integer tempb = ;Integer pagesize = ;tempa - 1 tempb;totalrecoreMap = ecf;Integer totalrecore = "totalrecord".intValue; getFeedBackList = ecf;for int i = 0; i < ; i++{EcfFeedBackRe tempbo = new EcfFeedBackRe;i.getChannelSource;i.getFeedbackContent;i.getFeedbackTime.substring0, 10;i.getFeedbackUser;i.getUserType;tempbo;};totalrecore;Double totalpages = /;;feedbackre;return feedbackrbo;}}cmis调用渠道配制：<--意见反馈接口--><-- 意见反馈接口 --><dubbo:reference id="ecfFeedBackService"interface= />渠道调用接口实现：/意见反馈param paramsparam pageInfoparam connreturnthrows ComponentExceptionthrows EMPRestrictException/public EcfFeedBackReturnBO queryFeeBackListFeedBackConBO req,Connection conn throws ComponentException, EMPRestrictException {try {etBean"ecfFeedBackService";etComponentFactory.getContext null,"rootCtx";terator; ; {DataElement;}"核算系统接收数据 " + serData;etBean"ecfYcloansDubboService";if service == null{"AccountDubboServiceImple", , 0, "ecfYcloansDubboService 消费端对象为null.";return null;}/ 第1步将对象转为json格式 /String resJsonStr = requestMsg;"核算请求报文："+resJsonStr;/ 第2步调用dubbo接口传入json对象 /String reqJsonStr = resJsonStr;"核算返回报文："+reqJsonStr;/ 第3步将返回的json转为对象 /Object reponseObj = reqJsonStr, responseMessageClass;return reponseObj;}/调用核算统一操作dubbo接口param mapreturn/public Map<String, String> executeMap<String, Object> map {Map<String, String> resultMap = new HashMap<String, String>;EcfYcloansDubboService service =EcfYcloansDubboService .getBean"ecfYcloansDubboService";if service == null{"AccountDubboServiceImple", , 0, "ecfYcloansDubboService 消费端对象为null.";return null;}Map<String, Object> pMap = new HashMap<String, Object>;for String key : {Object value = key;"_" < 0 key : , value;}String pMapJson = pMap;Map<Object, Object> responseMap = pMap;StringBuffer sbf = new StringBuffer;for Object key : {Object value = key;, value == null"" : ;key + ":" + value = null value : "" ;",";}String serviceId = "serviceId""serviceId"= null"serviceId".toString : "" : "";String optTyp = "OPT_TYP""OPT_TYP"= null"OPT_TYP".toString : "" : "";"AccountDubboServiceImple", , 0, "execute,serviceId:" + serviceId +",opt_typ: " + optTyp + ", 核算请求报文：" + pMapJson;"AccountDubboServiceImple", , 0, "execute,serviceId:" + serviceId +",opt_typ: " + optTyp + ", response: " + ;return resultMap;}packageimportimportimportimportimportimportimportimport/接口管理 DOMAIN类: . 还款计划试算接口对应的请求报文实体类 author yuchengmoduleIdcreateDate 2014-8-18 10:57:23/XmlAccessorTypeXmlRootElement name = "msgbody"XmlType propOrder ={ "serviceId","ORIG_PRCP","DUE_DAY","LOAN_ACTV_DT","LAST_DUE_DT","LOAN_TYP","I NT_START_DT","LOAN_INT_RATE","PAYM_FREQ_UNIT","PAYM_FREQ_FREQ","LOAN_PAYM_MTD" ,"LOAN_PAYM_TYP","INSTM_IND","TNR","GL_BUSS_CDE","LmDnShdMtdTList","LmPmShdTLi st","LmFeeTxTList"}public class LoanTryCacuRequestMessage {XmlElementprivate String serviceId="";XmlElementprivate String ORIG_PRCP;XmlElementprivate String DUE_DAY;XmlElementprivate String LOAN_ACTV_DT;XmlElementprivate String LAST_DUE_DT;XmlElementprivate String LOAN_TYP; XmlElementprivate String INT_START_DT; XmlElementprivate String LOAN_INT_RATE; XmlElementprivate String PAYM_FREQ_UNIT; XmlElementprivate String PAYM_FREQ_FREQ; XmlElementprivate String LOAN_PAYM_MTD; XmlElementprivate String LOAN_PAYM_TYP; XmlElementprivate String INSTM_IND; XmlElementprivate String TNR;XmlElementprivate String GL_BUSS_CDE;XmlElementWrapper name = "LmDnShdMtdTList"XmlElement name = "MX"private List<LmDnShdMtdT> LmDnShdMtdTList = new ArrayList<LmDnShdMtdT>; XmlElementWrapper name = "LmPmShdTList"XmlElement name = "MX"private List<LmPmShdT> LmPmShdTList = new ArrayList<LmPmShdT>; XmlElementWrapper name = "LmFeeTxTList"XmlElement name = "MX"private List<LmFeeTxT> LmFeeTxTList = new ArrayList<LmFeeTxT>;public String getGL_BUSS_CDE {return GL_BUSS_CDE;}public void setGL_BUSS_CDEString gL_BUSS_CDE {GL_BUSS_CDE = gL_BUSS_CDE;}public String getTNR {return TNR;}public void setTNRString tnr {TNR = tnr;}public String getServiceId {return serviceId;}public void setServiceIdString serviceId { = serviceId;}public String getORIG_PRCP {return ORIG_PRCP;}public void setORIG_PRCPString orig_prcp { ORIG_PRCP = orig_prcp;}public String getDUE_DAY {return DUE_DAY;}public void setDUE_DAYString due_day {DUE_DAY = due_day;}public String getLOAN_ACTV_DT {return LOAN_ACTV_DT;}public void setLOAN_ACTV_DTString loan_actv_dt { LOAN_ACTV_DT = loan_actv_dt;}public String getLAST_DUE_DT {return LAST_DUE_DT;}public void setLAST_DUE_DTString last_due_dt { LAST_DUE_DT = last_due_dt;}public String getLOAN_TYP {return LOAN_TYP;}public void setLOAN_TYPString loan_typ { LOAN_TYP = loan_typ;}public String getINT_START_DT {return INT_START_DT;}public void setINT_START_DTString int_start_dt {INT_START_DT = int_start_dt;}public String getLOAN_INT_RATE {return LOAN_INT_RATE;}public void setLOAN_INT_RATEString loan_int_rate { LOAN_INT_RATE = loan_int_rate;}public String getPAYM_FREQ_UNIT {return PAYM_FREQ_UNIT;}public void setPAYM_FREQ_UNITString paym_freq_unit { PAYM_FREQ_UNIT = paym_freq_unit;}public String getPAYM_FREQ_FREQ {return PAYM_FREQ_FREQ;}public void setPAYM_FREQ_FREQString paym_freq_freq { PAYM_FREQ_FREQ = paym_freq_freq;}public String getLOAN_PAYM_MTD {return LOAN_PAYM_MTD;}public void setLOAN_PAYM_MTDString loan_paym_mtd { LOAN_PAYM_MTD = loan_paym_mtd;}public String getLOAN_PAYM_TYP {return LOAN_PAYM_TYP;}public void setLOAN_PAYM_TYPString loan_paym_typ { LOAN_PAYM_TYP = loan_paym_typ;}public String getINSTM_IND {return INSTM_IND;}public void setINSTM_INDString instm_ind {INSTM_IND = instm_ind;}public List<LmDnShdMtdT> getLmDnShdMtdTList {return LmDnShdMtdTList;}public void setLmDnShdMtdTListList<LmDnShdMtdT> lmDnShdMtdTList { LmDnShdMtdTList = lmDnShdMtdTList;}public List<LmPmShdT> getLmPmShdTList {return LmPmShdTList;}public void setLmPmShdTListList<LmPmShdT> lmPmShdTList {LmPmShdTList = lmPmShdTList;}public List<LmFeeTxT> getLmFeeTxTList {return LmFeeTxTList;}public void setLmFeeTxTListList<LmFeeTxT> lmFeeTxTList {LmFeeTxTList = lmFeeTxTList;}}5.总体方案确认本方案涉及4个系统,EDP,cmis,渠道,核算,共计44个接口各个系统之问接口之间的调用已全部调通．各个接口通过dubbo直连已全部接通,各个系统之间通过zookeeper已连通单个测试．整体接口接通方案技术上已通过测试,没有问题．具体业务性能方面的测试,有待下一步工作继续进行。

芝麻信用分计算口径

芝麻信用分计算口径
产品概述
芝麻信用元素表是可配置使用的数据元素服务（"元素"指代"变量"），从五大维度抽象用户信息，可用于各类模型和策略，方便机构更有效的从信贷审核、贷后管理方面评估用户的信用程度。

详细的DAS元素名及其定义请参见《附表：芝麻信用元素表(DAS)列表及含义》
产品功能：
（1）产品接口固定，底层元素可无限扩展：商户不需要因为芝麻数据元素的增多而更改产品接口，只需在协议层面重新勾选新的元素后，DAS产品即可在现有的产品接口上将新的元素推送到商户端；
（2）元素输出分档：根据该元素在芝麻用户大盘上的分布和区分能力分档，可配合芝麻信用评分、IVS、行业关注名单形成全面的组合信审策略。

这一点可以满足商户特别是金融类商户对客户画像和特征刻画需求。

API接口设计说明书

XXAPI接口设计说明书'公司2016年11月25日文档管理信息表【文档变更记录表目录文档变更记录表.......................................... 错误!未定义书签。

目录................................................... 错误!未定义书签。

引言.................................................... 错误!未定义书签。

编写目的 .................................... 错误!未定义书签。

背景 ........................................ 错误!未定义书签。

定义 ........................................ 错误!未定义书签。

参考资料 .................................... 错误!未定义书签。

综述.................................................... 错误!未定义书签。

统一的输入输出参数........................... 错误!未定义书签。

必须登录才能访问的接口....................... 错误!未定义书签。

错误返回码列表 .............................. 错误!未定义书签。

用户接口................................................ 错误!未定义书签。

用户注册（user/signup）...................... 错误!未定义书签。

用户登录（user/signin）...................... 错误!未定义书签。

优惠券接口.............................................. 错误!未定义书签。

支付宝单条交易查询接口参数文档

交易结束时 gmt_close
Timestamp
Y
间
物流状态更 gmt_logistics_modify Timestamp
Y
新时间
输出格式
正常情况输出： <?xml version="1.0" encoding="gb2312"?> <alipay>
<is_success>T</is_success>  <request>
支付宝单条交易查询接口文档
支付宝单条交易查询接口接口类型
系统调用
输入参数表
特别注意：请按照支付宝外部请求接口概述中要求的签名方式，对输入参数进行签名，该接口请求
才能够被支付宝系统接收。
字段名协议参数接口名称合作伙伴 ID
变量名
service partner
签名
sign
签名方式
sign_type
买家可执行 buyer_actions 动作
String
买家可以执行的动作 Y 列表（用逗号分割）
交易状态信息
交易状态 trade_status
String
见交易状态枚举表
N
退款状态 refund_status
String
见退款状态枚举表
Y
物流状态 logistics_status
String
见物流状态枚举表
Y
交易过程中各个时间点信息（格式为 YYYY-MM-DD hh:mm:ss）
交易创建时 gmt_create
Timestamp
Y

花呗授权及协议须知

授权及协议须知申请使用”蚂蚁花呗服务”，您需要同意本须知中的所有内容：1.您使用“蚂蚁花呗服务”，须与重庆市阿里巴巴小额贷款有限公司、商融（上海）商业保理有限公司（本须知中统称“服务商”）签订《蚂蚁花呗用户服务合同》，并授权服务商向芝麻信用管理有限公司（芝麻信用）查询您的信用信息，用于评估服务商与您的交易条件和控制服务中的风险，有效期至服务商对您使用蚂蚁花呗服务申请审核不通过日止（蚂蚁花呗服务未获批的情形下），或者您使用的蚂蚁花呗服务终止日止（蚂蚁花呗服务获批的情形下）。

2.为了能让您在芝麻信用处的信用信息及时被服务商查询，如果您还不是芝麻信用的用户，您应该同意并签订本须知所附的《芝麻信用服务协议》成为芝麻信用用户。

如果您已经是芝麻信用用户，您无需重复签订本须知所附的《芝麻信用服务协议》。

3.《芝麻信用服务协议》、《蚂蚁花呗用户服务合同》被放置在同一文档中进行签约的目的在于尽可能减少协议展示所占用的系统空间，这种协议展现形式并不影响您签约后根据不同协议合同所享有的权利及需要履行的义务，您对此不持异议。

芝麻信用服务协议本协议更新于2015年6月4日《芝麻信用服务协议》（以下简称本协议）由芝麻信用管理有限公司（以下简称本公司）和您签订，本协议约定了本公司向您提供芝麻信用服务的前提、双方权利义务及其他事项。

您在本公司提供的网络页面上或在本公司授权的第三方提供的网络页面上点击以合理的理解表明您希望与本公司签订本协议的按钮（例如，按钮上书写“开通芝麻信用”或类似文字，且页面上同时列明了本协议的内容或者可以有效展示本协议内容的链接），或您与本公司以其它合理方式表明您与本公司订立了本协议时，即表明本协议在您与本公司之间成立并生效。

一、声明与承诺（一）本公司一贯重视消费者权益保护，故本协议已对本公司认为的与您的权益有或可能有重大关系的条款及对本公司具有或可能具有免责或限制责任的条款用粗体字予以标注（例如第十一条法律适用与管辖），请您务必注意。

个人信用信息基础数据库系统数据接口规范

1 前言《企业信用信息基础数据库数据接口规范》（简称“数据接口规范”）规定了企业信用信息基础数据库与外部系统进行信息交换时应遵循的有关信息格式和数据管理规定，本文档分为六部分。

前言简介本规范各部分的内容。

报文规范规定了本规范中报文的基本概念、设计原则、数据处理原则、文件命名原则、报文文件的结构和种类。

数据采集要求规定了公积金管理中心提交数据的范围、频率以及文件传送方式。

公积金信息采集报文和公积金信息删除报文中规定了公积金中心向企业信用信息基础数据库报送采集报文和删除报文的具体数据项以及对数据项的描述和约束。

公积金信息反馈报文规定了企业信用信息基础数据库向公积金中心反馈内容的具体数据项以及对数据项的描述和约束。

附录包含公积金信息采集接口规范的代码表、数据校验规则。

本接口规范适用于与企业信用信息基础数据库进行报文交换的公积金机构及公积金部门的数据处理。

文档的主要读者有：拟建系统用户、系统设计人员、系统编码人员、项目经理、系统测试人员、项目监理人员。

2 报文规范2.1术语和定义下列术语和定义适用于本规范。

2.1.1报文由报文头、报文体构成的，按照一定规则组合起来的数据集合体。

2.1.2报文文件包含报文的数据文件。

本规范中报文文件与报文是一对一的关系。

2.1.3段一个已标识、命名和结构化的、在功能上相互关联的复合数据元和/或独立数据元的集合。

段有各自固定的长度。

本规范中段为基础段。

2.1.4信息记录数据采集的基本信息单位，包含报送机构一笔业务的有关数据。

本规范中的信息记录由基础段组成。

2.1.5报文头每个报文必须包含且只包含一个报文头，报文头表示一次数据采集的开始，该部分给出本次采集数据的信息提要。

2.1.6报文体报文体是数据采集报文的主体内容，报文体部分可包含一种或多种不同类型的信息记录，最后一条信息记录结束即为报文结束。

信息记录之间用一个回车换行符（“﹨r﹨n”或“﹨n”）分隔。

2.1.7信息记录此信息记录由基础段组成。

Payssion API接口文档

Payssion API接口文档版本号：1.3.1.150312版权所有：派付通有限公司1. 功能演示 (1)2. 数据交互 (3)2.1 HTTP FORM创建支付 (3)2.2 WEB服务API创建支付 (5)3. 请求参数说明 (5)4. WEB API响应参数说明（JSON格式） (7)4.1响应示例： (9)4.2 错误码说明 (10)5 服务器通知 (11)5.1 页面跳转同步通知 (11)5.2 服务器异步通知 (11)6 签名 (13)6.1 请求签名 (13)6.2 异步通知签名 (13)7. 代码示例 (13)1. 功能演示步骤一：用户在商家网站输入支付所需的用户信息，这里主要针对于部分支付方式。

比如Qiwi需要输入用户帐户的手机号，这里的手机号也就是Qiwi帐户号码，具体手机号码规则参考后面的请求参数说明。

* Boleto支付需要输入用户的CPF号步骤二：商家提交订单信息到PAYSSION后，如果选择通过HTTP FORM表单形式提交支付信息，PAYSSION会自动自动跳转到对应的支付页面；如果通过WEB服务API方式提交支付信息则商家需要根据返回的信息中的redirect_url参数进行页面跳转。

步骤三：跳转到支付页面，这里根据用户选择的不同支付方式会跳转到对应的支付页面。

以下是Qiwi的支付页面：步骤四：完成支付。

用户输入相关支付信息完成支付后会跳转到商家网站。

这里分两种情况：1、支付成功。

支付成功后PAYSSION会回调通知商家指定的notify_url，同时跳转到商家指定的success_url。

2、未完成支付或者支付失败。

跳转到商家指定的redirect_url。

2. 数据交互2.1 HTTP FORM创建支付1、构造请求数据商户根据Payssion提供的接口规则，准备需要传输的数据以及通过程序生成的签名。

2、提交form表单将1中构造的数据通过http form表单提交方式传递给Payssion。

EPT服务器版本接口文档

实名认证支付接口文档 5.0目录1. 使用说明 (2)2. 加密与安全策略 (2)3. 资料信息 (2)4•单独鉴权请求接口规范（post提交模式） (2)4.1 请求地址（post提交模式） (2)4.2请求参数 (2)4.3请求参数节点说明 (3)4.4 Sign值计算方式（签名） (4)4.5同步返回xml结果 (4)4.6返回参数说明 (5)4.7 开发DEMO（java 语言） (5)1. 使用说明支付请求采用HTTP/HTTP助议，用户需以POST方式传输给支付中心系统(以下简称支付中心); 支付中心使用的编码方式为：UTF-8;传输参数需以Web Form(表单)方式提交；请严格依照参数规范设置参数，切勿遗漏“必填”参数，注意大小写区分；建议商户保留以下信息：签名信息、传输参数。

2. 加密与安全策略MD5散列算法：伪码如下：获取订单信息签名：sig nature = MD5(orderl nfoStri ng, MD5Key)MD5Key密钥由支付中心提供验证签名是否有效：sig nature = MD5(callbackl nfoStri ng , MD5Key) If(sig nature==Sig nM sg){return true;} 商户发起交易需指定服务器IP,微保进行白名单授权3. 资料信息测试商户号(CustomerNo): 201512240003测试密钥：X6offHkGfb5Wn1LVRRGH测试支付产品代号(ProductNo): A00008测试商户商品代号(GoodNo): XB14•单独鉴权请求接口规范(post提交模式)4.1请求地址(post提交模式)注：以Web Form(表单)方式提交参数至上述地址(请勿使用URL链接后加参数的方式)测试地址：http://120.27.167.200:8080/vbaoPay/cust/payService/Authe nticati on4.2请求参数reqmsg=以下报文加密后的字符串值；报文格式：<?xml version="1.0" encoding="UTF-8" ?><TRequest><Vers ion >5.0</Vers ion>UTF-8</In putCharset><Sig nType>MD5</Sig nType><CustomerNo></CustomerNo><OrderNo></OrderNo><ProductNo></ProductNo><GoodNo></GoodNo><Ba nkCode></Ba nkCode><Ba nkCardType></Ba nkCardType><Ba nkCardNo></Ba nkCardNo><Ba nkCardName></Ba nkCardName><CertType></CertType><CertId></CertId><Mobile></Mobile><CreditValid></CreditValid><CreditCvv2></CreditCvv2><VType></VType><Sig n></Sig n></TRequest>加密说明：1、对上述原始报文xml进行编码为UTF-8的Base64加密得到UTF-8编码的字符串str1 ;2、对上述原始报文xml进行编码为UTF-8的SHA1算法加密得到UTF-8编码的字符串str2 ；3、将步骤2得到的字符串str2和步骤1得到的字符串str1拼接(即str3 = str2+ str1,注意顺序)，对拼接后的字符串str3再次进行编码为UTF-8的Base64加密，得到UTF-8编码的最终加密字符串值。

开放银行API技术的研究与应用

开放银行API技术的研究与应用随着数字化转型的趋势，金融科技（Fintech）成为了金融业未来发展的主要方向。

其中，为开放银行API技术带来广阔的发展前景和机遇。

开放银行API技术可通过数据的共享、系统连接和业务标准化，搭建出一个金融生态圈，实现各类金融机构之间的信息共享和协同配合，从而促进金融业的创新和进步。

本文就开放银行API技术的研究与应用做一些探讨。

一、开放银行的概念开放银行是指银行借助互联网技术，通过开放系统接口API，实现数据共享、业务连接、风险监管、创新合作和资源整合等目标，使得银行更高效地与其他金融机构和第三方服务机构进行合作，打造一个协同创新的金融生态圈。

该模式强调合作、共建、共赢，以客户沉淀为中心，实行全面开放和共享，全面提升服务质量和客户满意度，提高行业竞争力和创新能力。

二、开放银行API技术的基本原理在开放银行模式下，API技术被视为实现数据共享和开放的核心技术手段。

API（Application Programming Interface），应用程序接口，是一组约定的规则，在应用程序之间进行通信和数据交互时使用。

API技术实现应用程序之间的互操作，是银行开放数据和业务的桥梁。

在银行的API生态体系中，API分为定义API、管理API、发布API和使用API等四个环节。

定义API包括对API访问控制规则、数据元数据、接口暴露规则和安全规则等进行制定和描述，管理API包括API注册和发布、API的授权和控制、API的版本控制和状态监控等。

发布API是将API信息发布给开发者进行使用，提供API的文档和API访问信息。

使用API是指开发者使用API进行应用程序开发，实现数据传输、信息交互和业务实现等功能。

基于银行开放API技术，可实现多种业务模式和应用场景。

比如，通过API接口与第三方支付、电商平台等服务机构的连接，实现各类金融产品的在线销售和集成支付等功能。

在客户交叉购买和积分兑换等方面，可以与电商、社交媒体等机构合作，实现“跨界联盟”服务模式。

transaction_id释义

transaction_id 简单来说就是商户这边的流水号，请每次请求保持唯一，详细的见文档：https:///technology/openDoc.htm?relInfo=TRANSACTION_ID_INTRO 释义业务流水凭证（transaction_id）是商户（或机构）与芝麻信用系统产生业务交互的唯一凭证，具体表现为一个长度为不大于64 位的字符串（芝麻认证产品不大于32 位），仅能包含0-9A-Za-z_-等字符。

每一个业务流水凭证（transaction_id）表明了商户（或机构）与芝麻信用产生了一次确定的业务交互，芝麻信用系统给出了一个确定的返回结果，并以此作为与芝麻信用明细对账的唯一依据。

唯一性要求业务流水凭证（transaction_id）由商户（或机构）自行生成，并由商户（或机构）确保每次业务交互取值的唯一性。

需要特别注意的是，若贵公司有多条业务线分别与芝麻信用系统对接，则需要在贵公司内部协调，保证唯一性。

在芝麻信用提供的服务接口中，均要求业务流水凭证（transaction_id)作为必传参数。

（授权接口除外。

）建议商户（或机构）将包含业务流水凭证（transaction_id）的调用入参与芝麻信用系统给出的返回结果持久化存储，便于后续双方核对明细。

重试机制芝麻信用系统会为每次有效的业务返回做默认24 小时的缓存（产品的特殊缓存时间见该产品的接口文档），在缓存有效期内，商户（或机构）可以使用与当次业务交互相同的业务流水凭证（transaction_id）和相同的业务入参，调用相同的接口，取到相同的结果。

但如果使用不同的业务流水凭证（transaction_id），即使其他参数相同，芝麻信用系统将其视为一次新的业务交互。

商户（或机构）在两种情况下，可使用当次的业务流水凭证（transaction_id）进行重试，来确保不会重复计费：1.得到错误码为ZMOP.unknow_error的返回。

支付宝登录接口文档

会员免注册登录接口1.接入流程2.安全规范2.1.数字签名数据传输过程中的数据真实性和完整性，我们需要对数据进行数字签名，在接收签名数据之后进行签名校验。

2.1.1.签名机制待签名数据是请求参数按照以下方式组装成的字符串：✧请求参数按照参数名字符升序排列，如果有重复参数名，那么重复的参数再按照参数值的字符升序排列。

✧所有参数（除了sign和sign_type）按照上面的排序用&连接起来，格式是：p1=v1&p2=v2。

调用某接口需要以下参数：service= user_authentication, partner=20880063000, email=test@ 那么待签名数据就是：email=test@&partner=20880063000&service= user_authentication 注意事项：✧没有值的参数无需传递，也无需包含到待签名数据中。

✧签名时将字符转化成字节流时指定的字符集与_input_charset保持一致。

✧如果传递了_input_charset参数，这个参数也应该包含在待签名数据中。

✧根据HTTP协议要求，传递参数的值中如果存在特殊字符（如：&、@等），那么该值需要做URL Encoding，这样请求接收方才能接收到正确的参数值。

这种情况下，待签名数据应该是原生值而不是encoding之后的值。

例如：调用某接口需要对请求参数email进行数字签名，那么待签名数据应该是：email=test@，而不是email=test%。

2.1.2.签名方式按照sign_type参数指定的签名算法对待签名数据进行MD5加密。

1.3．接入URLhttps:///cooperate/gateway.do接入方式（GET/POST）提交2．参数表比如签约的支付宝帐号安全校验码：xxxxxxxxxxxxxxxxx商家合作伙伴id: 2088002037527206https:///cooperate/gateway.do?_input_charset=GBK &partner=2088002037527206&return_url=http%3A%2F%2Ftest1.360eb .com%2Flogin.php&service=user_authentication&sign=5060cb3c411f3f eb9860f39289e74a5f&sign_type=MD5使用“&”符号把参数串联起来，产生待签名数据：_input_charset=GBK&partner=2088002037527206&return_url=/login.php& service= user_authentication计算sign值这个实例我们前面已经假设使用MD5签名算法，并且给出签名密钥为abc123，那么在计算sign值之前，就需要在待签名数据的后边加上签名密钥，根据请求参数sign_type来判断使用哪种签名算法，这里我们采用MD5签名算法，最终计算出来，sign=5060cb3c411f3feb9860f39289e74a5f 输出参数表输出格式以GET方式将上述输出参数返回给return_url如：/receive.htm?a=x&b=y&c=z/login.php?is_success=T&notify_id=RqPnCoPT3K9%252Fvw bh3I%252BODmVGCJQUFGUIPem3oV%252B2YTWl8W6w5obTSbT ctvfnYafpp%252 Fm2&user_id=2088002053153634&sign=456a7e77b875702eede8caa2bc7abfc7& sign_type=MD5系统接收到商户系统发起的请求，处理成功后返回的参数中同样包含有参数sign、sign_type，境外商户需根据sign_type计算sign值，最终检验支付宝系统返回的sign值.商家返回来的user_id作为买家在自己网站登录的唯一标识，买家第一次购买商品时候补全相关会员信息，第二次再在本网站，通过快速购买通道（免注册登录入口）登录后，根据返回来的唯一标识user_id来获取该会员在网站上的注册信息。

app接口文档模板

XXX项目APP接口文档首页 (3)首页 (3)加载更多商品 (7)用户注册 (9)注册 (9)发送手机验证码 (11)用户中心 (12)登录 (12)登出 (14)原产品 (15)产品列表 (15)产品详情 (18)分类树 (22)备注： (23)注：传参一律用post方式，key=request, value为一串json格式字符串，格式如：request={"head": {"partner": "xxxxxxxxxxxxxxxxxxxxxxx","key": "xxxxxxxxx","mdkey": "xxxxxxxxxxx"},"para": {"user_name": "user_name","pwd": "123456"},"result": {"start": 0,"count": 10}}head：头信息，用于安全校验，参数固定为partner、key、mdkey 三项，mdkey随不同接口而变，partner和key为常量头部信息校验错误统一返回，错误码分三种：1：PARTNER有误{"head": {"code": "C0004","msg": "PARTNER验证失败！"}}2：KEY有误{"head": {"code": "C0005","msg": "KEY验证失败！"}}3：MD5加密错误{"head": {"code": "C0001","msg": "请求验证失败！"}}para：请求体，客户端请求所需要传入的参数，依据不同接口而定result：结果集，主要用于分页首页首页URL：输入参数：request={"head": {"partner": "77b872abfe1260053032219354882d91","key": "ldingadmin","mdkey": md5(partner+key)},"result": {"start": 0, //从第0条数据开始，（首页此项参数只能为0）"count": 20 //总共返回20条数据，（即每页显示数量，由客户端自定）}}输入参数说明：错误码：参考头部信息校验统一错误码正确返回：{"head": {"code": "10000","msg": "数据获取成功"},"para": {"banner": [{"ad_id": "2","ad_name": "首页轮转2","pic": "/data/files/mall/ad/1434512150.jpg","link": "/index.php?app=search&act=products&cid=1312","image_size": {"width": 1200,"height": 475}},{"ad_id": "3","ad_name": "首页轮转3","pic": "/data/files/mall/ad/1434523823.png","link": "/joinus/","image_size": {"width": 1200,"height": 475}}……],"cate": [{"cate_id": "1216","cate_name": "女装","cate_ename": "WOMEN","cate_banner": "/data/files/mall/category/2015/06/201506100640272205.jpg","image_size": {"width": 460,"height": 300}},{"cate_id": "1217","cate_name": "男装","cate_ename": "MEN","cate_banner": "/data/files/mall/category/2015/06/201506081359262711.jpg","image_size": {"width": 460,"height": 300}}……],"pic": [{"pic_id": "311","pic_name": "小女孩·柠檬汽水","price": "25.00","pic_url": "/data/files/store_238/pic/2015/06/201506160937045578.jpg", "collects": "1","views": "0","sales": "0","image_size": {"width": 2063,"height": 2063},"love": true //是否关注，true已关注，false未关注},{"pic_id": "314","pic_name": "小女孩·漫漫花事","price": "35.00","pic_url": "/data/files/store_238/pic/2015/06/201506161014059499.jpg", "collects": "1","views": "0","sales": "0","image_size": {"width": 2244,"height": 3488},"love": false}……],"products": [{"product_id": "176","product_name": "三脚猫原创手工皮革染色单肩包手工定制","price": "400.00","image_url": "/data/files/store_90/openshop/product_pic.JPG","collects": "1","views": "0","sales": "0","image_size": {"width": 3000,"height": 3000},"love": true //是否关注，true已关注，false未关注},{"product_id": "2066","product_name": "H.Cstudio 黑白拼色走秀款真丝缎面","price": "499.00","image_url": "/data/files/store_79/product/2015/06/201506150339342394.jpg","collects": "0","views": "0","sales": "0","image_size": {"width": 515,"height": 774},"love": false}……]},"result": {"start": 1,"count": 20}}正确返回码说明：加载更多商品URL：/index.php/index/load_more输入参数：request={"head": {"partner": "77b872abfe1260053032219354882d91","key": "ldingadmin","mdkey": md5(partner+key)},"result": {"start": 21, //从第21条数据开始"count": 20 //总共返回20条数据，（即每页显示数量）}}返回码描述：错误码：参考头部信息校验统一错误码正确返回：{"head": {"code": "10000","msg": "数据获取成功"},"para": {"products": [{"product_id": "176","product_name": "三脚猫原创手工皮革染色单肩包手工定制","price": "400.00","image_url": "/data/files/store_90/openshop/product_pic.JPG","collects": "1","views": "0","sales": "0","image_size": {"width": 3000,"height": 3000},"love": true //是否关注，true已关注，false未关注},{"product_id": "2066","product_name": "H.Cstudio 黑白拼色走秀款真丝缎面","price": "499.00","image_url": "/data/files/store_79/product/2015/06/201506150339342394.jpg","collects": "0","views": "0","sales": "0","image_size": {"width": 515,"height": 774},"love": false}……]},"result": {"start": 21,"count": 20}}正确返回码说明：用户注册注册URL：/index.php/register/reg输入参数：request={"head": {"partner": "77b872abfe1260053032219354882d91","key": "ldingadmin","mdkey": md5(mobile+pwd+cpwd+sms_captcha+nick_name+partner+key) },"para": {"mobile": "注册手机号","pwd": "密码","cpwd": "确认密码","sms_captcha": "手机接收的验证码","nick_name": "昵称"}}输入参数说明：返回码描述：错误码：{"head": {"code": "E0003","msg": "注册验证失败"}}{"head": {"code": "E0001","msg": "用户名已存在！"}}{"head": {"code": "E0001","msg": "两次密码不一致"}}正确返回：{"head": {"code": "10000","msg": "恭喜，注册成功！"},"para": {"user_name": "user","phone_mob": "user","nick_name": "oheyou","status": 1,"user_id": 263}}正确返回码说明：发送手机验证码URL：/index.php/register/send_sms_captcha 输入参数：request={"head": {"partner": "77b872abfe1260053032219354882d91","key": "ldingadmin","mdkey": md5(partner+key)},"para": {"mobile": "用户手机号"}}输入参数说明：返回码描述：错误码：{"head": {"code": "E0005","msg": "手机号码不正确"}}正确返回：{"head": {"code": "10000","msg": "短信发送成功"}}真确返回码说明：用户中心登录URL：/index.php/user/login输入参数：request={"head": {"partner": "77b872abfe1260053032219354882d91","key": "ldingadmin","mdkey": md5(user_name+pwd+partner+key)},"para": {"user_name": "用户名","pwd": "密码"}}返回码描述错误码：{"head": {"code": "E0003","msg": "用户名或密码错误！"}}正确返回：{"head": {"code": "10000","msg": "登录成功"},"para": {"user_id": "76","user_name": "user","nick_name": "oheyou","gender": "0","im_qq": "0","email":"****************","points": "0","portrait": "/data/files/usr/76/2015/05/201505140448321718.jpg","logins": "0","last_login": "1435226105","follow": "4", //关注数量"fans": "1", //粉丝数量"loves": "12", //喜欢数量（产品，图片，商品）"collects": "0" //店铺收藏数量}}正确返回码说明：登出URL：/index.php/user/login_out 输入参数：request={"head": {"key": "ldingadmin","mdkey": md5(partner+key)}}输入参数说明：返回码描述错误码：无正确返回：{"head": {"code": "10000","msg": "登出成功！"}}正确返回码说明：原产品产品列表URL：/index.php/product 输入参数：request={"head": {"key": "ldingadmin","mdkey": md5(cid+order+partner+key) },"para": {"cid": "分类id","order": "排序",},"result": {"start": "0","count": "20",}}输入参数说明：错误码：参考头部信息校验统一错误码正确返回：{"head": {"code": "10000","msg": "数据获取成功"},"para": [{"product_id": "2073","product_name": "HC STUDIO 黑色羊毛西装裤","add_time": "1434346771","price": "219.00","min_price": "219.00","max_price": "219.00","store_id": "79","store_name": "HC 定制工作室","image_url": "/data/files/store_79/product/2015/06/201506230847457013.png","view": "0", //浏览量"collects": "2", //收藏量"carts": "0", //加入购物车量"orders": "0", //下单量"sales": "0", //销售量"comments": "0", //评论量"love": false //是否喜欢},{"product_id": "2071","product_name": "HC STUDIO 优雅锦缎提花褶半身裙","add_time": "1434346569","price": "249.00","min_price": "249.00","max_price": "249.00","store_id": "79","store_name": "HC 定制工作室","image_url": "/data/files/store_79/product/2015/06/201506190721567528.jpg","view": "0","collects": "0","carts": "0","orders": "0","sales": "0","comments": "0","love": false},……],"result": {"start": 0,"count": 20}}产品详情URL：/index.php/product/detail 输入参数：request={"head": {"partner": "77b872abfe1260053032219354882d91","key": "ldingadmin","mdkey": md5(product_id+partner+key)},"para": {"product_id": "产品id"},"result": { //用于评价和咨询"start": "0","count": "20",}}输入参数说明：错误码：参考头部信息校验统一错误码正确返回：{"head": {"code": "10000","msg": "数据获取成功"},"para": {"product_id": "134","product_name": "poly~(测试专用)","price": "0.01","default_image_id": "616", //商品主图id"image_url": "/data/files/store_76/openshop/product_pic.jpg", //商品主图地址"content": "啦啦啦啦啦啦", //商品详情"tags": [ //商品标签"连衣裙","雪纺","真丝","飘逸"],"brand_id": null, //商品品牌id"brand_name": null, //商品品牌名称"brand_logo": null,//商品品牌logo"store_id": "75", //店铺id"store_name": "awesome", //店铺名称"store_type": "1", //店铺类别1：个人2：公司"apply_type": "seller", //店铺申请类型seller：供应商designer：设计师"description": null, //店铺简介"store_collects": "0", //店铺收藏量"store_sales": "5", //店铺销售量"views": "0", //商品浏览量"carts": "7", //商品加入购物车量"collects": "2", //商品喜欢量"sales": "6", //商品销售量"comments": "0", //商品评论量"orders": "8", //商品下单量"product_loved": false, //是否喜欢过此商品（用户未登录一律返回false）"store_collected": false,//是否收藏过此店铺（用户未登录一律返回false）"spec_text": [ //商品规格描述{"spec_id": "80","spec_name": "颜色","is_color": "0","values": [{"spec_val_id": "23","sval_text": "白色","spec_val_text": "白色"},{"spec_val_id": "24","sval_text": "红色","spec_val_text": "红色"}]{"spec_id": "77","spec_name": "尺码","is_color": "0","values": [{"spec_val_id": "15","sval_text": "M","spec_val_text": "M"},{"spec_val_id": "16","sval_text": "L","spec_val_text": "L"}]}],"sku": { //商品sku";80:23;77:15;": {"sku_id": "541","price": "0.01","is_show": "1"},";80:23;77:16;": {"sku_id": "542","price": "0.01","is_show": "1"},";80:24;77:15;": {"sku_id": "543","price": "0.01","is_show": "1"},";80:24;77:16;": {"sku_id": "544","price": "0.01","is_show": "1"}},"images_datas": [ //商品其他部位图片地址{"image_url": "/data/files/store_75/product/2015/05/201505190926367050.jpg"{"image_url": "/data/files/store_75/product/2015/05/201505190927329810.jpg"}],"qa": [ //商品咨询数据{"reply_content": " hahahaha ","time_post": "1435200728","nick_name": "oheyou","portrait": "/data/files/usr/76/2015/05/201505140448321718.jpg"}],"comment": "" //商品评论数据（格式如咨询）},"result": {"start": 0,"count": 20}}正确返回码说明：分类树URL：/index.php/product/cate输入参数：request={"head": {"partner": "77b872abfe1260053032219354882d91","key": "ldingadmin","mdkey": md5(partner+key)}}输入参数说明：返回码描述错误码：无正确返回：Json格式分类树正确返回码说明：备注：1000 操作成功。

支付对接API文档

系统接口文档提交请求：提交地址: http://你的网关地址/Pay_Index.html 提交的参数MD5签名字段格式：将上表中红色的字段，按表中所列的顺序将请求字段组合成为待验证的一个无间隔字符串，然后将组合成的字符串加上你在支付系统上的密钥(key)后，通过MD5加密，就是待验证字符串hmacstr="pay_amount="+pay_amount+"&pay_applydate="+pay_applydate+"&pay_ bankcode="+pay_bankcode+"&pay_callbackurl="+pay_callbackurl+"&pay_memberi d=>"+pay_memberid+"&pay_notifyurl="+pay_notifyurl+"&pay_orderid="+pay_ord erid+"&key="+keyhmac= md5(hmacstr)然后将hmac 转换为大写订单通知：如果接收到服务器点对点通讯时，在页面输出“OK”（没有双引号，OK两个字母大写）,否则会重复5次发送点对点通知验证签名字段格式：将上面的字段，按表中所列的顺序将请求字段组合成为待验证的一个无间隔字符串，然后将组合成的字符串加上你在平台的密钥(key)后，通过MD5加密，就是待验证字符串hmacstr=”amount=>”+amount+”&datetime=>”+datetime+”&memberid=>”+memberid+”&orderid=>”+orderid+”&returncode=>”+returncode+”&key=”+key Sign= md5(hmacstr)然后将Sign转换为大写支付渠道列表你的程序生成的订单号放在扩展字段里，传过来的订单号为空，让支付系统自动生成订单号，然后你那边要你生成的订单号，直接在返回的扩展字段里去获取你的程序的订单号就是他提交过来的数据里，订单号为空，就可以了，他生成的订单号放在扩展字段里，到时会原样返回给你/*修订时间2017 - 03 -21 */。

阿里巴巴如何搭建开放创新生态系统

阿里巴巴如何搭建开放创新生态系统随着全球互联网的不断发展和普及，各种新兴的科技和商业模式层出不穷。

在这种大背景下，作为全球领先的电子商务平台，阿里巴巴不仅要保持自身优势，还需要不断拓展新的领域，实现与时俱进、创新发展。

为此，阿里巴巴搭建了一个开放创新生态系统，以满足业界和用户的各种需求。

一、开放平台战略阿里巴巴的开放平台战略是其生态系统的核心。

该平台旨在向外部开发者和商业合作伙伴提供开放接口和服务，帮助他们更轻松地接入阿里巴巴的生态系统中，同时也使得阿里巴巴和这些合作伙伴之间的联系更为紧密，共同实现商业价值。

阿里巴巴开放平台的服务不仅仅是技术上的接口和文档，更为重要的是，它还整合了阿里巴巴丰富的资源和生态系统，帮助商家更好地营销、推广和管理自己的业务。

例如，让商家更好地了解自己的业务和客户，帮助他们制定更有针对性的营销策略；同时，事实上阿里巴巴平台上的数据和流量规模也远远超越了许多其他平台或公司，所以它可以帮助合作伙伴更快地获取客户和市场。

二、互联网金融阿里巴巴早期在支付和金融领域就有着深入的探索。

现在，阿里巴巴金融已经成为一家独立的、拥有庞大用户群和被全球市场认可的综合金融服务提供商。

阿里巴巴的金融生态系统基于用户、商家和其他各方的需求，为他们提供线上和线下的付款、贷款、保险、理财等全方位服务。

阿里巴巴的金融生态系统建立在十分完整和强大的技术平台上，其为消费者、商家、金融机构等提供了多种安全便捷的金融服务。

例如，蚂蚁金服的芝麻信用系统和阿里财付通旗下的水滴互助项目等均为阿里的金融服务优势。

三、人工智能阿里巴巴积极发展人工智能技术，旨在将人工智能、大数据和云技术等前沿技术与各行业深度结合，共同构建新的人工智能应用生态系统。

阿里巴巴在人工智能领域投资额超过160亿人民币，涵盖了自然语言处理、语音识别、机器学习、计算机视觉等多个方向。

目前，阿里的人工智能已经应用于语音识别、人脸识别、翻译、自动售货机等多个领域。

手机网站支付接口(alipay.wap.create.direct.pay.by.user)

1.1 功能描述 ............................................................................................................................... 4 1.2 阅读对象 ............................................................................................................................... 4 1.3 业务术语 ............................................................................................................................... 4
版本号：1.0
支付宝（中国）网络技术有限公司版权所有
手机网站支付接口
目录
1 文档说明 .............................................................................................................. 4
对获取的返回结果数据进行处理商户在同步通知处理页面参数returnurl指定页面文件或服务器异步通知页面参数notifyurl指定页面文件获取支付宝返回的结果数据后可以结合自身网站的业务逻辑进行数据处理如
手机网站支付接口
服务名称： er
7 通知返回数据处理.............................................................................................. 19

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芝麻信用开放平台服务接口文档
本文档主要描述合作商户通过芝麻信用开放平台，与芝麻信用系统交互使用芝麻信用产品服务的方式。

具体包括业务流程图，协议授权，页面授权、数据反馈、信用产品服务接口，接口参数说明，加解密方式以及SDK使用方式等。

目录
1．业务流程 (2)
2．服务接口说明 (3)
2.1 协议授权接口 (3)
2.2 页面授权接口 (3)
2.3信用产品查询接口 (3)
2.4查询授权接口 (3)
2.5数据反馈接口 (3)
1．业务流程
2．服务接口说明
2.1 协议授权接口
调用芝麻信用系统进行协议授权，不需要用户核身，直接后台服务调用进行授权操作，商户系统获取openId发起信用产品的查询.
具体参考《芝麻信用协议授权接口说明.docx》
2.2 页面授权接口
调用芝麻信用系统进行页面授权，展示芝麻核身页面便于用户进行验证码核身，验证成功以后，会把openId回传给商户系统。

具体参考《芝麻信用页面授权说明.docx》
2.3信用产品查询接口
芝麻信用产品服务的主要接口，具体参考《芝麻信用产品查询接口说明.docx》
2.4查询授权接口
用于查询用户是否授权，具体参考《芝麻信用查询授权接口说明.docx》
2.5数据反馈接口
用于商户向芝麻信用反馈用户的相关数据，具体参考《芝麻信用数据反馈接口说明.docx》。