> For the complete documentation index, see [llms.txt](https://docs.coda.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coda.co/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/xun-huan-fu-kuan-ji-jiang-tui-chu/guan-jian-gai-nian.md).
# 关键概念
在集成循环支付产品之前，必须了解支付流程中涉及的核心实体。这些概念构成了我们 API 的基础，并在本文档中反复提及。\
付款方式：
* **顾客发起的交易**（CIT）：购物者在场并主动授权收费（例如，手动充值）。
* **商户发起的交易**(MIT)：商户自动处理收费（例如，每月订阅费）。
#### 购物者 （Shoppers）
购物者指的是使用已存储的支付方式进行交易的最终用户。在定期付款的场景下，购物者充当一个或多个已关联支付方式的根容器。
**购物者身份识别**
每个购物者都通过多个属性进行唯一识别，包括标识符、状态和已验证的账单信息。
```json
{
"id": "shp_mcbis34tnsy8la6m19",
"created_at": "2024-02-17T10:00:00Z",
"finalized_at": "2024-02-17T10:30:00Z",
"status_code": "enabled",
"partner_shopper_id": "user001",
"email": "user001@example.com",
"phone_number": "+1234567890",
"zip_code": "10001",
"billing_first_name": "John",
"billing_last_name": "Doe",
"billing_document_type": "passport",
"billing_document_id": "A12345678",
"billing_country": "US",
"billing_address": "123 Payment St.",
"billing_region": "New York",
"billing_city": "New York"
}
```
**重要性：**
* 数据检索：需要购物者 ID 来获取已存储的用于定期交易的支付方式。
* 灵活性：单个购物者可以在不同的服务提供商处保存多种支付方式。
* 资格：`status_code`确定购物者当前是否符合支付处理资格。
* 合规性：可能需要详细的账单信息以进行文件核实或满足地区监管要求。
#### 支付方式 （Payment Methods）
支付方式是指用于交易的特定金融工具（例如信用卡）。请注意，虽然我们的系统支持多种支付方式，但目前定期付款功能仅限于信用卡。
**支付方式识别**
每种方法都根据其类型及其对不同交易流程的具体支持进行识别。
```json
{
"id": "pmt_mcbis34tnsy8la6m19",
"created_at": "2024-02-17T10:00:00Z",
"shopper_id": "shp_mcbis34tnsy8la6m19",
"type": "card",
"save_payment_method": true,
"card": {
"id": "crd_mcbis34tnsy8la6m19",
"created_at": "2024-02-17T10:00:00Z",
"country_code": "MX",
"payment_method_id": "pmt_mcbis34tnsy8la6m19",
"last_four": "1234",
"first_six": "123456",
"holder_name": "John Doe",
"expiration_month": "12",
"expiration_year": "2040"
}
}
```
**重要性：**
* 支持多种支付方式：购物者可以将各种银行卡和电子钱包保存到个人资料中。每种支付方式都属于唯一的支付方式类型，例如`card`，`wallet`等等。
* 存储：该`save_payment_method`字段表示已安全存储以备将来使用的方法。
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