ruby-on-rails - Handle payment via bank transfer for Rails

Question

I am building a rails application for place booking. The app should be able to facilitate bank transfer (not VISA/Mastercard direct payment) for payment. Basically we let users know our bank account number. User can then pay via iBanking / go to ATM or Bank. Nah, when we received the payment, we should know whom this payment comes from and from which booking.

How are we supposed to know whom send it and for which booking it is, while there is no additional data in the transfer information other than amount of money. I heard we can apply a unique cents identifier, like when the payment is $8, we make it $8 2 cents to link it to the user who sends it and the booking data.

Is that the best practice in linking the actual payment data and the booking data? If it is, is there any ruby gem capable for generating the unique cents identifier? Or if not, is there any better approach?

Thank you for your assistance.

Answer 1

有点模糊，但许多向人们收费并允许用户通过银行转帐付款的公司要求用户在交易中输入特定的参考号，从而将交易与该用户的帐户联系起来。

需要让用户清楚（通常是这样），如果他们没有输入正确的参考号，那么付款将不会与他们相关联，因此不会在他们的帐户中显示为信用.

这感觉不是一个特别令人满意的系统，因为它让用户有责任把它做好，或者有可能因延迟付款而被收取额外费用，或者有麻烦整理它。但是，许多成功的公司似乎都是这样运作的。