{"id":575,"date":"2025-12-18T11:47:00","date_gmt":"2025-12-18T03:47:00","guid":{"rendered":"https:\/\/www.yinduzhifu.life\/?p=575"},"modified":"2025-12-18T11:47:00","modified_gmt":"2025-12-18T03:47:00","slug":"%e5%8d%b0%e5%ba%a6%e5%94%a4%e9%86%92%e6%94%af%e4%bb%98%e7%9a%84%e5%89%8d%e7%ab%af%e5%ae%9e%e7%8e%b0%e6%96%b9%e5%bc%8f","status":"publish","type":"post","link":"https:\/\/www.yinduzhifu.life\/en\/2025\/12\/18\/%e5%8d%b0%e5%ba%a6%e5%94%a4%e9%86%92%e6%94%af%e4%bb%98%e7%9a%84%e5%89%8d%e7%ab%af%e5%ae%9e%e7%8e%b0%e6%96%b9%e5%bc%8f\/","title":{"rendered":"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u7684\u524d\u7aef\u5b9e\u73b0\u65b9\u5f0f"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts62.mm.bing.net\/th?q=phonepe61\" alt=\"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u7684\u524d\u7aef\u5b9e\u73b0\u65b9\u5f0f\" title=\"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u7684\u524d\u7aef\u5b9e\u73b0\u65b9\u5f0f\"><\/p>\n<div class=\"otp-container\">\n <input type=\"text\" maxlength=\"6\" id=\"otp-input\" \/><br \/>\n <button onclick=\"verifyOTP()\">\u9a8c\u8bc1<\/button>\n<\/div>\n<h3><strong>\u7b2c\u56db\u6b65\uff1a\u6267\u884c\u5e26\u4ee4\u724c\u7684\u4ed8\u6b3e\u8bf7\u6c42<\/strong><\/h3>\n<p>\u5f53\u7528\u6237\u786e\u8ba4\u8d2d\u4e70\u65f6\uff0c\u4f7f\u7528\u5148\u524d\u83b7\u53d6\u7684\u4ee3\u5e01\u53d1\u8d77\u652f\u4ed8\uff1a<\/p>\n<pre><code class=\"language-javascript\">async function executeTokenPayment(paymentDetails) {\r\n    \/\/ 1. \u4ece\u5b89\u5168\u5b58\u50a8\u4e2d\u68c0\u7d22\u4ee3\u5e01\r\n    const paymentToken = await retrieveSecureToken();\r\n    \r\n    \/\/ 2. \u6784\u5efa\u652f\u4ed8\u8bf7\u6c42\u8d1f\u8f7d\r\n    const paymentPayload = {\r\n        token: paymentToken,\r\n        transactionId: generateUniqueTransactionId(),\r\n        amount: paymentDetails.amount,\r\n        currency: &quot;INR&quot;,\r\n        merchantId: MERCHANT_IDENTIFIER,\r\n        timestamp: Date.now(),\r\n        callbackUrl: &quot;https:\/\/yourdomain.com\/payment-callback&quot;\r\n    };\r\n    \r\n    \/\/ 3. \u6dfb\u52a0\u6570\u5b57\u7b7e\u540d\uff08\u5173\u952e\u5b89\u5168\u6b65\u9aa4\uff09\r\n    const signature = await generateSignature(paymentPayload);\r\n    paymentPayload.signature = signature;\r\n    \r\n    try {\r\n        \/\/ 4. \u53d1\u9001\u81f3\u652f\u4ed8\u7f51\u5173API\r\n        const response = await fetch('https:\/\/api.paymentgateway.in\/transaction\/token', {\r\n            method: 'POST',\r\n            headers: {\r\n                'Content-Type': 'application\/json',\r\n                'X-Client-ID': CLIENT_ID,\r\n                'X-Request-Timestamp': Date.now()\r\n            },\r\n            body: JSON.stringify(paymentPayload)\r\n        });\r\n        \r\n        const result = await response.json();\r\n        \r\n        \/\/ 5. \u5904\u7406\u54cd\u5e94\r\n        if (result.status === &quot;SUCCESS&quot;) {\r\n            displaySuccessUI(result.transactionReference);\r\n            \r\n            \/\/ UPI\u7279\u5b9a\u5904\u7406 - NPCI\u89c4\u8303\u8981\u6c42\r\n            if (result.upiIntentUrl) {\r\n                redirectToUPIApp(result.upiIntentUrl);\r\n            }\r\n            \r\n            return { success: true, data: result };\r\n            \r\n         } else if (result.status === &quot;PENDING&quot;) {\r\n\r\n             initiatePollingForStatus(result.pollingKey);\r\n\r\n         } else {\r\n\r\n              handlePaymentFailure(result.errorCode);\r\n\r\n          }\r\n\r\n     } catch(error){\r\n\r\n           console.error(&quot;\u652f\u4ed8\u6267\u884c\u5931\u8d25:&quot;, error);\r\n           handleNetworkError(error);\r\n\r\n     }\r\n}\r\n\r\n\/\/ UPI\u5e94\u7528\u91cd\u5b9a\u5411\u51fd\u6570\uff08\u5370\u5ea6\u5e02\u573a\u7279\u6709\uff09\r\nfunction redirectToUPIApp(upiIntentUrl) {\r\n\r\n   if (\/Android\/i.test(navigator.userAgent)){\r\n\r\n       window.location.href=upiIntentUrl; \r\n\r\n   }else if(\/iPhone|iPad|iPod\/i.test(navigator.userAgent)){\r\n\r\n       window.location.href=`upi:\/\/pay?${new URL(upiIntentUrl).searchParams}`;\r\n\r\n   }else{\r\n       \r\n       showQRCodeForUPI(upiIntentUrl); \r\n\r\n   }\r\n\r\n}\r\n<\/code><\/pre>\n<h2><strong>\u524d\u7aef\u4f18\u5316\u4e0e\u7528\u6237\u4f53\u9a8c<\/strong><\/h2>\n<h3><strong>1. PWA\u96c6\u6210\u5b9e\u73b0\u79bb\u7ebf\u529f\u80fd<\/strong><\/h3>\n<pre><code class=\"language-javascript\">\/\/ service-worker.js\u4e2d\u7684\u7f13\u5b58\u7b56\u7565\u793a\u4f8b  \r\nself.addEventListener('fetch', event =&gt; {  \r\n\r\nif(event.request.url.includes('\/payment\/info')){  \r\n\r\nevent.respondWith(\r\n\r\ncaches.match(event.request).then(response=&gt;{  \r\n\r\nreturn response||fetch(event.request);  \r\n\r\n}) );} });\r\n\r\n<\/code><\/pre>\n<p>\u901a\u8fc7Service Worker\u7f13\u5b58\u5173\u952e\u652f\u4ed8\u4fe1\u606f\u9875\u9762\u786e\u4fdd\u5f31\u7f51\u73af\u5883\u4e0b\u57fa\u7840\u529f\u80fd\u53ef\u7528\u6027\uff01<\/p>\n<hr>\n<p><strong>2 .\u52a0\u8f7d\u6027\u80fd\u4f18\u5316\u5b9e\u8df5<\/strong><\/p>\n<p><em>\u4ee3\u7801\u5206\u5272\u6309\u9700\u52a0\u8f7d<\/em><\/p>\n<pre><code class=\"language-javascript\">const TokenizedPaymentComponent=lazy(()=&gt;import('.\/components\/TokenizedPayment'));   \r\n&lt;Suspense fallback={&lt;Spinner\/&gt;}&gt; &lt;TokenizedPaymentComponent\/&gt; &lt;\/Suspense&gt; \r\n<\/code><\/pre>\n<p><em>\u5173\u952e\u6e32\u67d3\u8def\u5f84\u4f18\u5316<\/em><\/p>\n<ul>\n<li>Web\u5b57\u4f53\u672c\u5730\u5316\u6258\u7ba1\u51cf\u5c11DNS\u67e5\u8be2\u65f6\u95f4\uff01<\/li>\n<li>SVG\u56fe\u6807\u5185\u8054\u964d\u4f4eHTTP\u8bf7\u6c42\u6570\u91cf\uff01<\/li>\n<li>LCP\u5143\u7d20\u4f18\u5148\u7ea7\u9884\u52a0\u8f7d\u8bbe\u7f6e\uff01<\/li>\n<\/ul>\n<hr>\n<h2><strong>\u5b89\u5168\u6027\u6700\u4f73\u5b9e\u8df5<\/strong><\/h2>\n<p><strong>\u5ba2\u6237\u7aef\u6570\u636e\u4fdd\u62a4\u63aa\u65bd\u6e05\u5355\uff1a<\/strong><br \/>\n\u2705 CSP\u5934\u90e8\u4e25\u683c\u914d\u7f6e\u9650\u5236\u5916\u90e8\u8d44\u6e90\uff01<br \/>\n\u2705 HTTP\u516c\u94a5\u56fa\u5b9aHPKP\u66ff\u4ee3\u65b9\u6848\u5b9e\u65bd\uff01<br \/>\n\u2705 X-Frame-Options\u9632\u6b62\u70b9\u51fb\u52ab\u6301\u653b\u51fb\uff01<br \/>\n\u2705 Subresource Integrity\u68c0\u67e5\u7b2c\u4e09\u65b9\u811a\u672c\u5b8c\u6574\u6027\u9a8c\u8bc1\u673a\u5236\u90e8\u7f72\u5230\u4f4d!<\/p>\n<p><strong>\u654f\u611f\u64cd\u4f5c\u9632\u62a4\u793a\u4f8b\u4ee3\u7801\u7247\u6bb5:<\/strong><\/p>\n<pre><code class=\"language-javascript\">let failedAttempts=0;      \r\nconst MAX_ATTEMPTS=3;        \r\n\r\nfunction validateBiometric(){        \r\n\r\nif(failedAttempts&gt;=MAX_ATTEMPTS){        \r\n\r\nlockAccountTemporarily();         \r\nreturn false;}        \r\n\r\n\/\/\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u903b\u8f91...}     \r\n<\/code><\/pre>\n<hr>\n<h2><strong>\u8c03\u8bd5\u4e0e\u6d4b\u8bd5\u7b56\u7565<\/strong><\/h2>\n<p><strong>\u5f00\u53d1\u73af\u5883\u6a21\u62df\u5de5\u5177\u94fe\u914d\u7f6e\u5efa\u8bae:<\/strong><\/p>\n<p>1\uff0eNPCI\u6c99\u7bb1\u73af\u5883\u96c6\u6210\uff1a<\/p>\n<pre><code>npm install @npci\/sandbox-client --save-dev \r\n<\/code><\/pre>\n<p>2\uff0e\u7aef\u5230\u7aef\u6d4b\u8bd5\u6846\u67b6\uff1a<\/p>\n<pre><code class=\"language-javascript\">describe('\u5524\u9192\u652f\u4ed8\u6d41\u7a0b',()=&gt;{   \r\n\r\nit('\u5e94\u6210\u529f\u751f\u6210\u4ee3\u5e01',async()=&gt;{    \r\n\r\nawait page.click('#init-tokenization');    \r\n\r\nawait expect(page).toHaveText('.status','TOKEN_CREATED');});});\r\n<\/code><\/pre>\n<h2>3\uff0e\u771f\u5b9e\u8bbe\u5907\u6d4b\u8bd5\u77e9\u9635\u8986\u76d6\u8303\u56f4\u5fc5\u987b\u5305\u62ec\u4ee5\u4e0b\u6700\u4f4e\u8981\u6c42\u7ec4\u5408\u81f3\u5c11\u5404\u4e09\u6b3e\u673a\u578b\u8fdb\u884c\u517c\u5bb9\u6027\u9a8c\u8bc1\u5de5\u4f5c\u786e\u4fdd\u65e0\u9057\u6f0f\u60c5\u51b5\u53d1\u751f:<\/h2>","protected":false},"excerpt":{"rendered":"<p>\u9a8c\u8bc1 \u7b2c\u56db\u6b65\uff1a\u6267\u884c\u5e26\u4ee4\u724c\u7684\u4ed8\u6b3e\u8bf7\u6c42 \u5f53\u7528\u6237\u786e\u8ba4\u8d2d\u4e70\u65f6\uff0c\u4f7f\u7528\u5148\u524d\u83b7\u53d6\u7684\u4ee3\u5e01\u53d1\u8d77\u652f\u4ed8\uff1a async functio [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-575","post","type-post","status-publish","format-standard","hentry","category-10"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u7684\u524d\u7aef\u5b9e\u73b0\u65b9\u5f0f - \u5370\u5ea6\u652f\u4ed8|\u5370\u5ea6\u652f\u4ed8\u670d\u52a1\u5546|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.yinduzhifu.life\/en\/2025\/12\/18\/\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u7684\u524d\u7aef\u5b9e\u73b0\u65b9\u5f0f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u7684\u524d\u7aef\u5b9e\u73b0\u65b9\u5f0f\" \/>\n<meta property=\"og:description\" content=\"\u9a8c\u8bc1 \u7b2c\u56db\u6b65\uff1a\u6267\u884c\u5e26\u4ee4\u724c\u7684\u4ed8\u6b3e\u8bf7\u6c42 \u5f53\u7528\u6237\u786e\u8ba4\u8d2d\u4e70\u65f6\uff0c\u4f7f\u7528\u5148\u524d\u83b7\u53d6\u7684\u4ee3\u5e01\u53d1\u8d77\u652f\u4ed8\uff1a async functio [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.yinduzhifu.life\/en\/2025\/12\/18\/\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u7684\u524d\u7aef\u5b9e\u73b0\u65b9\u5f0f\/\" \/>\n<meta property=\"og:site_name\" content=\"\u5370\u5ea6\u652f\u4ed8|\u5370\u5ea6\u652f\u4ed8\u670d\u52a1\u5546|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-18T03:47:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ts62.mm.bing.net\/th?q=phonepe61\" \/>\n<meta name=\"author\" content=\"\u5370\u5ea6\u652f\u4ed8\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u5370\u5ea6\u652f\u4ed8\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" 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