Juhebao x ABA Bank Payment Integration Proposal | 聚合宝 x ABA Bank 支付集成方案

📋 Executive Summary📋 项目概述

Project Name: Juhebao Mobile Payment Platform - ABA Bank Integration

Integration Method: ABA Bank Deep Link + KHQR Dual-Channel Payment

Target Market: Cambodia

Expected Launch Date: January 5, 2026

Estimated Daily Transaction Volume: 5,000 - 10,000 transactions

App Store Link: https://apps.apple.com/kh/app/聚合宝-生活服务/id6468993517

项目名称: 聚合宝移动支付平台 - ABA Bank 集成

集成方式: ABA Bank 深度链接 + KHQR 双通道支付

目标市场: 柬埔寨

预计上线: 2026年1月5日

日均预估交易量: 5,000 - 10,000 笔

应用链接: https://apps.apple.com/kh/app/聚合宝-生活服务/id6468993517

🏆 Why ABA Bank Deep Link?🏆 为什么选择 ABA Bank 深度链接？

✓ Market Leadership

ABA Bank is Cambodia's largest commercial bank with the most extensive user base

✓ Best User Experience

Deep Link technology enables seamless app-to-app transitions, smoother than traditional QR code payments

✓ Higher Conversion Rate

Expected payment success rate of 95%+, significantly higher than other payment methods

✓ Brand Trust

ABA Bank's brand recognition helps enhance user payment confidence

✓ 市场领导地位

ABA Bank 是柬埔寨最大的商业银行，拥有最广泛的用户基础

✓ 最佳用户体验

深度链接技术实现应用间无缝跳转，比传统扫码支付更流畅

✓ 更高转化率

预计支付成功率可达 95%+，显著高于其他支付方式

✓ 品牌信任度

ABA Bank 的品牌认可度有助于提升用户支付信心

95%+

Expected Success Rate

预期支付成功率

3sec

Avg. Payment Time

平均支付完成时间

10K

Daily Transactions

日均交易量

99.9%

System Availability

系统可用性

💎 Benefits for ABA Bank💎 ABA Bank 获得的价值

📈

Increase Transaction Volume

扩大交易量

Expected to bring 5,000+ new daily transactions to ABA Bank through Juhebao platform

通过聚合宝平台，预计每日为 ABA Bank 带来 5,000+ 笔新增交易

👥

Acquire New Users

获取新用户

Reach Juhebao's user base, promote ABA Bank app downloads and account openings

接触聚合宝的用户群体，促进 ABA Bank APP 下载和账户开通

🎯

Enhance Brand Exposure

提升品牌曝光

Featured as the preferred payment method, reinforcing ABA Bank's market leadership

作为首选支付方式展示，强化 ABA Bank 的市场领导地位

🔄

Increase User Stickiness

增加用户粘性

Convenient payment experience encourages more frequent use of ABA Bank services

便捷的支付体验鼓励用户更频繁使用 ABA Bank 服务

💰

Transaction Fee Revenue

手续费收入

Transaction fees from each payment, providing stable cash flow

每笔交易产生的手续费收入，稳定的现金流

📊

Data Insights

数据洞察

Gain user payment behavior data to optimize products and services

获取用户支付行为数据，优化产品和服务

🏗️ Technical Architecture🏗️ 技术架构

System Architecture Diagram系统架构图

Payment Data Flow

支付数据流

Juhebao APP

聚合宝应用

→

Juhebao Backend

聚合宝后端

→

Phunrithya Gateway

支付网关

→

ABA Bank API
ABA 银行接口

Deep Link Integration Technology 深度链接集成技术

Protocol 协议: aba://payment (Custom URL Scheme 自定义URL方案)
Jump Method 跳转方式: Directly invokes the installed ABA Bank APP on the user's device
直接唤起用户设备上已安装的 ABA Bank APP
Callback Mechanism 回调机制: Returns to Juhebao via juhebao://payment/callback after payment completion
支付完成后通过 juhebao://payment/callback 返回聚合宝
Timeout Handling 超时处理: Auto-cancellation after 15 minutes to avoid long-pending orders
15分钟自动取消，避免订单长时间挂起
Fallback 失败回退: Auto-switches to KHQR QR code payment if ABA APP is not installed
若用户未安装 ABA APP，自动切换到 KHQR 扫码支付

Backup Solution - KHQR Support 备用方案 - KHQR 支持

Standard Protocol 标准协议: EMVCo KHQR standard, ensuring compatibility
EMVCo KHQR 标准，确保兼容性
Use Cases 应用场景: User hasn't installed ABA APP or chooses to use other banks
用户未安装 ABA APP 或选择使用其他银行
User Choice 用户选择: Provides users with flexible payment options
给予用户灵活的支付选择权

Security Measures 安全措施

Transmission & Data Security 传输与数据安全

• HTTPS/TLS 1.3 end-to-end encryption 端到端加密
• HMAC-SHA256 request signature verification 请求签名验证
• OAuth 2.0 / API Key dual authentication 双重认证
• IP whitelist restrictions IP 白名单限制
• Real-time risk control monitoring & anomaly transaction blocking 实时风控监测与异常交易拦截

🔄 ABA Bank Deep Link Payment Flow ABA Bank 深度链接支付流程

Complete User Payment Experience

完整的用户支付体验

1. Select Amount

选择金额

→

2. Choose ABA Bank
选择ABA Bank

→

3. Jump to ABA APP
跳转ABA APP

→

4. Confirm Payment
确认支付

→

5. Return to Juhebao
返回聚合宝

→

6. Show Success

显示成功

Flow Details 流程详解

User Selects Recharge Amount 用户选择充值金额: Select recharge amount within Juhebao APP (e.g., $10, $20, $50)
在聚合宝 APP 内选择充值金额（如 $10, $20, $50）
Select ABA Bank Payment 选择 ABA Bank 支付: In the payment method list, ABA Bank is displayed as "Recommended" option
在支付方式列表中，ABA Bank 显示为"推荐"选项
Auto Jump to ABA Bank APP 自动跳转到 ABA Bank APP: System automatically invokes ABA Bank app via Deep Link
系统通过深度链接自动唤起 ABA Bank 应用
Confirm Payment in ABA APP 在 ABA APP 内确认支付: User completes payment authorization in the familiar ABA Bank interface
用户在熟悉的 ABA Bank 界面完成支付授权
Auto Return to Juhebao 自动返回聚合宝: After payment completion, automatically returns to Juhebao APP
支付完成后，自动跳回聚合宝 APP
Display Payment Result 显示支付结果: Juhebao displays payment success page, transaction completed
聚合宝显示支付成功页面，交易完成

User Experience Advantages 用户体验优势

✅ Seamless Experience 无缝体验: Entire process completed within apps, no manual switching or QR scanning required
全程在 APP 内完成，无需手动切换或扫码
✅ Fast & Convenient 快速便捷: Average 3 seconds to complete payment, much faster than traditional methods
平均 3 秒完成支付，远快于传统方式
✅ Safe & Reliable 安全可靠: Completed within official ABA Bank APP, high user trust
在 ABA Bank 官方 APP 内完成，用户信任度高
✅ Familiar Interface 熟悉界面: Uses ABA Bank's native interface, reducing learning curve
使用 ABA Bank 原生界面，降低学习成本

🔒 Security & Compliance 安全与合规

PCI DSS Level 1 ISO 27001 SOC 2 Type II End-to-End Encryption

Data Security 数据安全

Transmission Encryption 传输加密: TLS 1.3, 256-bit AES encryption
Data Storage 数据存储: Sensitive data encrypted storage, compliant with PCI DSS standards
敏感数据加密存储，符合 PCI DSS 标准
Access Control 访问控制: Role-Based Access Control (RBAC) 基于角色的权限管理
Audit Logs 审计日志: Complete transaction audit trail, retained for 7 years
完整的交易审计追踪，保留 7 年

Transaction Security 交易安全

Signature Verification 签名验证: HMAC-SHA256 request signature, prevents tampering
HMAC-SHA256 请求签名，防止篡改
Replay Attack Prevention 防重放攻击: Timestamp + Nonce mechanism
Amount Limits 金额限制: Single transaction limit $1,000, daily cumulative limit $10,000
单笔限额 $1,000，日累计限额 $10,000
Risk Control System 风控系统: Real-time transaction monitoring, automatic blocking of anomalies
实时交易监控，异常自动拦截

User Privacy Protection 用户隐私保护

Data Minimization 数据最小化: Collect only payment-necessary information 仅收集支付必需信息
Anonymization Processing 匿名化处理: Sensitive information desensitization display 敏感信息脱敏显示
Compliance Commitment 合规承诺: Comply with Cambodian local regulations and international standards
遵守柬埔寨本地法规及国际标准

📱 User Interface Demo 用户界面展示

The following demonstrates the complete user flow of ABA Bank Deep Link payment. Click to view in detail.

以下展示 ABA Bank 深度链接支付的完整用户流程，点击查看大图。

ABA Bank Deep Link Payment Flow ABA Bank 深度链接支付流程

🛠️ Technical Support & Maintenance 技术支持与维护

Technical Support 技术支持

7x24 Hours 7x24小时: Round-the-clock technical support hotline and online customer service
全天候技术支持热线和在线客服
Rapid Response 快速响应: Emergency issues < 30 minutes, general issues < 4 hours
紧急问题 < 30分钟响应，一般问题 < 4小时
Dedicated Contact 专属对接: Designated technical lead to ensure smooth communication
指定技术负责人，确保沟通顺畅

System Monitoring 系统监控

Real-time Monitoring 实时监控: Transaction success rate, response time, error rate
交易成功率、响应时间、错误率
Auto Alerts 自动告警: Immediate notification to technical team for anomalies
异常情况立即通知技术团队
Regular Reports 定期报告: Weekly/monthly operational data reports
每周/每月运营数据报告

System Maintenance 系统维护

Planned Maintenance 计划维护: 7-day advance notice, scheduled during off-peak hours
提前 7 天通知，选择低峰时段
Hot Updates 热更新: Support no-downtime updates, minimizing service interruption
支持不停机更新，最小化服务中断
Data Backup 数据备份: Daily automatic backup, support rapid recovery
每日自动备份，支持快速恢复