统一结账：简化Uber的支付生态系统

Uber started as a ridesharing company with a simple yet ambitious mission: make transportation as reliable as running water, everywhere, for everyone.

Uber起初是一家共享出行公司，使命简单而雄心勃勃：让交通像自来水一样可靠，随处可见，人人可用。

When the company focused on ridesharing, most back-end systems were built around a trip, a rider, and a driver. Since it was the only LOB (line of business) at the time, any payment-specific operations were implemented directly into the ridesharing system. For example, supporting Apple Pay® was implemented on the Rides back end.

当公司专注于共享出行时，大多数后端系统都是围绕行程、乘客和司机构建的。由于当时这是唯一的业务线，任何特定于支付的操作都直接在共享出行系统中实现。例如，支持 Apple Pay® 是在共享出行后端实现的。

When Uber grew as a company, so did the number and complexity of LOBs. Uber started offering food and grocery delivery, bike and scooter rentals, public transportation tickets, and car rentals. Each LOB built their own system on the back end where their business logic lived. Still, they all needed payments and risk support, and that required specific operations like 2FA and fingerprinting. Implementing payment business logic became expensive because any change had to be made many times across services. This harmed ‌velocity and feature parity, and increased the complexity, cost, and risk of maintaining services.

当Uber作为公司成长时，LOB的数量和复杂性也随之增加。Uber开始提供食品和杂货配送、自行车和滑板车租赁、公共交通票务和汽车租赁。每个LOB在后端构建了自己的系统，其中包含他们的业务逻辑。然而，他们都需要支付和风险支持，这需要特定的操作，如2FA和指纹识别。实现支付业务逻辑变得昂贵，因为任何更改都必须在多个服务中多次进行。这损害了速度和功能一致性，并增加了维护服务的复杂性、成本和风险。

Payment methods weren’t uniformly supported across user flows and LOBs. For example, Apple Pay wasn’t supported in every user flow or LOB at Uber. You could use it to pay for an on-demand ride, but you couldn’t use it to pay for a scheduled ride until very recently. Other payment methods like Google Pay™ and direct bank transfers were in the same situation. That was because a different service handled scheduling rides, and it followed a different model of securing funds before fulfillment. Upfront charge payment methods and ones that required any form of 2FA to initialize or finalize a payme...