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Chen Tian Universe
Chen Tian Universe
Jan 21, 2026 · Fundamentals

Unlocking Payment System Design: 19 Core Account Models Explained

This article systematically outlines 19 essential account models—including real vs. virtual accounts, balance structures, hierarchical relationships, cross‑institution mappings, and advanced fund‑pool designs—providing a comprehensive guide for building robust, compliant, and scalable payment systems.

account modelaccount-hierarchyfinancial technology
0 likes · 21 min read
Unlocking Payment System Design: 19 Core Account Models Explained
Architect
Architect
Oct 26, 2024 · Industry Insights

How Do Third‑Party Payment Systems Really Work? A Deep Dive into Payment Architecture

This article provides a comprehensive technical overview of payment system evolution, explains first‑, second‑, third‑, and fourth‑party payment models, details the roles, account structures, and transaction flows such as recharge, withdrawal, and transfer, and breaks down the core domains and interactions within modern third‑party payment platforms.

account modelfinancial architecturepayment systems
0 likes · 19 min read
How Do Third‑Party Payment Systems Really Work? A Deep Dive into Payment Architecture