【跨境支付的核心代码案例分析与实现】

贺公子之数据科学与艺术

发布于 2025-12-17 21:13:12

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跨境支付的核心代码案例分析与实现

跨境支付系统通常涉及汇率转换、合规检查、多币种结算等核心功能。跨境支付系统核心代码框架，基于Python和Flask实现。

汇率转换模块

汇率转换是跨境支付的基础功能，需要实时获取汇率数据并进行计算。

import requests

class ExchangeRateService:
    def __init__(self, api_key):
        self.api_key = api_key
        self.base_url = "https://api.exchangerate-api.com/v4/latest/"

    def get_rate(self, from_currency, to_currency):
        url = f"{self.base_url}{from_currency}"
        response = requests.get(url)
        data = response.json()
        return data['rates'][to_currency]

    def convert_amount(self, amount, from_currency, to_currency):
        rate = self.get_rate(from_currency, to_currency)
        return amount * rate

支付处理模块

支付处理模块负责验证交易信息并执行资金转账。

class PaymentProcessor:
    def __init__(self, exchange_service):
        self.exchange_service = exchange_service

    def process_payment(self, sender, receiver, amount, currency):
        # 验证发送方余额
        if sender.balance < amount:
            raise ValueError("Insufficient balance")
        
        # 汇率转换
        if sender.currency != receiver.currency:
            converted_amount = self.exchange_service.convert_amount(
                amount, sender.currency, receiver.currency
            )
        else:
            converted_amount = amount
        
        # 执行转账
        sender.balance -= amount
        receiver.balance += converted_amount
        
        return {
            "transaction_id": generate_transaction_id(),
            "original_amount": amount,
            "converted_amount": converted_amount,
            "currency": receiver.currency
        }

合规检查模块

跨境支付需要遵守各国法规，包括反洗钱(AML)检查。

class ComplianceChecker:
    def __init__(self, aml_service_url):
        self.aml_service_url = aml_service_url

    def check_aml(self, user):
        response = requests.post(
            self.aml_service_url,
            json={
                "user_id": user.id,
                "name": user.name,
                "country": user.country
            }
        )
        return response.json()["approved"]

    def verify_transaction(self, transaction):
        # 检查交易金额是否超过限额
        if transaction.amount > 10000:  # 假设限额为10000
            return False
        return True

API接口实现

使用Flask创建RESTful API接口：

from flask import Flask, request, jsonify

app = Flask(__name__)
exchange_service = ExchangeRateService(api_key="YOUR_API_KEY")
payment_processor = PaymentProcessor(exchange_service)
compliance_checker = ComplianceChecker(aml_service_url="https://aml-service.example.com")

@app.route('/payment', methods=['POST'])
def make_payment():
    data = request.json
    
    # 验证合规性
    if not compliance_checker.verify_transaction(data):
        return jsonify({"error": "Transaction not compliant"}), 400
    
    try:
        result = payment_processor.process_payment(
            sender=get_user(data['sender_id']),
            receiver=get_user(data['receiver_id']),
            amount=data['amount'],
            currency=data['currency']
        )
        return jsonify(result)
    except Exception as e:
        return jsonify({"error": str(e)}), 400

if __name__ == '__main__':
    app.run(debug=True)

数据库模型

支付系统通常需要存储用户和交易信息：

from sqlalchemy import create_engine, Column, Integer, String, Float
from sqlalchemy.ext.declarative import declarative_base

Base = declarative_base()

class User(Base):
    __tablename__ = 'users'
    id = Column(Integer, primary_key=True)
    name = Column(String)
    balance = Column(Float)
    currency = Column(String)
    country = Column(String)

class Transaction(Base):
    __tablename__ = 'transactions'
    id = Column(Integer, primary_key=True)
    transaction_id = Column(String)
    sender_id = Column(Integer)
    receiver_id = Column(Integer)
    amount = Column(Float)
    currency = Column(String)
    status = Column(String)