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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。

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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。

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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

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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》。