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Card Payments 101

Card Payments 101

Андрей Саксонов (http://deeprefactoring.ru/speakers/andrey-saksonov)

Серия вопросов и ответов по платежам.

Видео: https://youtu.be/drw9iKd0jBU

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Deep Refactoring

November 20, 2019
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Transcript

  1. Card Payments 101
    Andrey Saksonov

    View Slide

  2. POS Terminals
    - ATMs (Automated Teller Machine)
    - Unattended (e.g. Gas Station, Charity Box)
    - Standalone
    - Integrated ECRs (Electronic Cash Register)

    View Slide

  3. Payment Methods
    - Credit & Debit Cards: VISA, MasterCard, Maestro, JCB, UnionPay, AMEX
    - Smart Devices
    - Apple Pay
    - Google Pay
    - Huawei Pay
    - Samsung Pay
    - Garmin Pay
    - Wallets (PayPal, AliPay) - Alternative Methods (BARCODE, SOUNDWAVE)
    - Local Schemes: Cartes Bancaires, EC-Karte -> Girocard, MIR
    - E-Commerce (Sovcompay https://youtu.be/DsSlreBe3io)

    View Slide

  4. Payment Card Elements
    - ISO/IEC 7813 Magstripe:
    - Track 1
    - Track 2
    - Track 3
    - ISO/IEC 7810, ISO/IEC 7816
    - ICC (Integrated Circuit Card)
    - EMV (Europay MasterCard VISA)
    - TLV (Tag-Length-Value)
    - ISO/IEC 14433
    - NFC

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  5. ISO 8583 + ISO 20022
    - ISO 8583
    - 1987, 1993, 2003
    - MTI, BitMap (https://paymentcardtools.com/iso-8583-bitmap)
    - jPOS (http://jpos.org/)
    - ISO 20022
    - SWIFT
    - FIX
    - ISO 4217
    - Currency Codes
    - Minor Units

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  6. Cardholder Verification Method + TX Type (MTI)
    Authorization Reversal Capture Refund SA Refund
    No CVM V Ref TX -
    BMP 38
    Ref TX -
    BMP 38
    Ref TX -
    BMP 38
    V
    Online PIN BMP 52/53 ? ? ? BMP 52/53
    Offline PIN
    PLAINTEXT
    V ? ? ? V
    Offline PIN
    ENCRYPTED
    V ? ? ? V
    ODCVM V ? ? ? V

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  7. DCC (Dynamic Currency Conversion)
    - Cardholder Preferred Currency (CPC)

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  8. Submission - Clearing - Settlement
    ● Submission:
    ○ Online (Normal)
    ○ Offline (Exceptional)
    ● Clearing
    ○ 4-Party Model
    ○ Issuing Bank & Acquiring Bank
    ○ MC GCMS & VisaNet
    ○ Single-Message: ATMs, POS, Debit Card + PIN
    ○ Dual-Message: Credit Card + Signature on Receipt
    ● Settlement
    ○ Real Money: Fees, Owes, etc.

    View Slide

  9. Card Payments 101
    Andrey Saksonov

    View Slide