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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Transcript

1. Card Payments 101
   Andrey Saksonov
   

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

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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)
   

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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.
   

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9. Card Payments 101
   Andrey Saksonov
   

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