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バンドルカードの クレジットカード決済システムの 泥臭い運用

Hiroaki Sano
November 30, 2022

バンドルカードの クレジットカード決済システムの 泥臭い運用

Hiroaki Sano

November 30, 2022
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  1. ໨࣍ 5 0 • 0. Χʔυܾࡁۀք಺ͰͷΧϯϜͷཱͪҐஔ • ΧʔυܾࡁۀքͷΤίγεςϜʹ͍ͭͯઆ໌͠·͢ • 1.

    র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ • ۀ຿ϩδοΫͷటͷ෦෼Λ࿩͠·͢ • 2. Ϗδωεύʔτφʔͱͷཁ݅Λຬͨ͢ωοτϫʔΫઃܭ • Πϯϑϥͷటͷ෦෼Λ࿩͠·͢
  2. Χʔυܾࡁۀք಺ͰͷΧϯϜͷཱͪҐஔ Acquirer
 (ΞΫϫΠΞϥ) Issuer
 (ΠγϡΞ) 7 0 Brand
 (ϒϥϯυ) •

    Brand (Visa, MasterCard, JCB, ࿆ۜ, Amex...) • ϓϥοτϑΥʔϜͷఏڙɺऔҾϧʔϧͷنఆ • Acquirer • ΧʔυՃໍళͷ։୓Λߦ͏ • Issuer • Χʔυձһ(Ϣʔβ)ͷ։୓Λߦ͏ Χʔυձһܖ໿ Χʔυձһ ళฮ Ճໍళܖ໿ ΞϥΠΞϯε ΞϥΠΞϯε ֤ొ৔ਓ෺ͷؔ܎ Χʔυͷར༻/঎඼ͷड͚౉͠
  3. Χʔυܾࡁۀք಺ͰͷΧϯϜͷཱͪҐஔ Acquirer
 (ΞΫϫΠΞϥ) Issuer
 (ΠγϡΞ) 8 0 Brand
 (ϒϥϯυ) •

    Brand (Visa, MasterCard, JCB, ࿆ۜ, Amex...) • ϓϥοτϑΥʔϜͷఏڙɺऔҾϧʔϧͷنఆ • Acquirer • ΧʔυՃໍళͷ։୓Λߦ͏ • Issuer • Χʔυձһ(Ϣʔβ)ͷ։୓Λߦ͏ Χʔυձһܖ໿ Χʔυձһ ళฮ Ճໍళܖ໿ ΞϥΠΞϯε ΞϥΠΞϯε ֤ొ৔ਓ෺ͷؔ܎ Χʔυͷར༻/঎඼ͷड͚౉͠ ΧϯϜ
  4. Acquirer
 (ΞΫϫΠΞϥ) Issuer
 (ΠγϡΞ) 11 1 Brand
 (ϒϥϯυ) (1)ར༻ (0)Χʔυൃߦ

    Χʔυձһ ళฮ (1)Ծച্ (1)Ծച্ (1)Ծച্ (2)੥ٻ (2)࣮ച্ (2)࣮ച্ (2)࣮ച্ ΫϨδοτΧʔυܾࡁ͸2ϑΣʔζ (1) Ծച্ : ΦʔιϦθʔγϣϯ (༩৴ɾΦʔιϦ) (2) ࣮ച্ : ΫϦΞϦϯά (ച্֬ఆ) ຊࢿྉͰ͸ʮܾࡁʯͱݴ͏ͱ͜ͷ2ͭͷ͜ͱΛࢦ͢͜ͱͱ͠·͢ ͓ۚͷྲྀΕ ΧϯϜ র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্
  5. 13 1 র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ 5JNF 5SBOTBDUJPO "NPVOU "# -#  ೖۚ

    ʴ    Ծച্ ʔ    ࣮ച্ ʔ   • ܾࡁΛߦ͏ͱϢʔβͷ࢒ߴ͕ಈ͘ • ࢒ߴʹ͸ Available Balance (AB), Ledger Balance (LB) ͱ͍͏֓೦͕͋Δ • Ծച্ͰҾ͔ΕΔͷ͕ABɺ࣮ച্ͰҾ͔ΕΔͷ͕ LB • όϯυϧΧʔυʹೖۚ -> 400ԁͷങ͍෺ -> ࣮ച্Ͱ300ԁ͕ಧ͍ͨɺͱ͍ ͏έʔεͷֹۚͷಈ͖͸ҎԼͷΑ͏ʹͳΔ • ࣮ച্͕ಧ͍ͨΒԾച্ͱর߹͠ɺԾച্ͱ࣮ച্Ͱֹ͕ۚҟͳΔ৔߹͸ ࣮ച্Λਖ਼ͱͯ͠ิਖ਼͢Δ • όϯυϧΧʔυ͸ͲͷΑ͏ͳܾࡁ͕ߦΘΕͯ΋࠷ऴతʹ͸ AB ʹ LB ͱͳΔ • র߹ʹ͸Ծച্͓Αͼ࣮ച্ͦΕͧΕͰඈΜͰ͘ΔσʔλΛ࢖͏ ↑ ิਖ਼ͱͯ͠+100ԁ͞Ε͍ͯΔ
  6. 14 1 র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ • Ծച্ͷిจͷྫ • ࣮ച্ͷྫ΋঺հ͍ͨ͠ͱ͜ΖͰ͕͢ɺͦͪΒ͸Πϯλʔωοτ্ʹ࢓ ༷͕ग़͓ͯΒͣ Con fi

    dential ͷͨΊׂѪ͠·͢ • Ծച্͍ͭͯ͸ඪ४Խ͞Ε͍ͯͯ ISO8583 Ͱݕࡧ͢Δͱग़͖ͯ·͢ 0x0100f224648108e08016000000000000000410401 924999999999900000000000000400012210805420 003812212599908400100000b012345678901f7f3f5f 5f0f8f0f0f0f3f8f1e3c5d9d4c9c4f0f1c3c1d9c440c1c3c 3c5d7e3d6d94040c1c3d8e4c9d9c5d940d5c1d4c540 4040404040404040404040c3c9e3e840d5c1d4c5404 04040e4e2084001420800000000000000000580000 000020e0040000000000000f1f140f1f2f3
  7. 15 1 র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ 0x0100f224648108e08016000000000000000410401 924999999999900000000000000400012210805420 003812212599908400100000b012345678901f7f3f5f 5f0f8f0f0f0f3f8f1e3c5d9d4c9c4f0f1c3c1d9c440c1c3c 3c5d7e3d6d94040c1c3d8e4c9d9c5d940d5c1d4c540 4040404040404040404040c3c9e3e840d5c1d4c5404 04040e4e2084001420800000000000000000580000

    000020e0040000000000000f1f140f1f2f3 PAN ༗ޮظݶ(22೥/12݄) 010: ΦϯϥΠϯܾࡁ ֹۚ(4000) ※ PAN: Primary Account Number ɺΧʔυ൪߸ͷ͜ͱ • Ծച্ͷిจ͸όΠφϦϑΥʔϚοτʹͳ͍ͬͯΔ • Brand ͷΤϯυϙΠϯτʹ TCP ઀ଓ͢Δͱ޲͜͏͔Βϓογϡ͞Εͯ͘Δ • ࣮ച্͸όΠφϦϑΝΠϧͰఏڙ͞ΕΔ • ࣮ച্΋ Brand ͷωοτϫʔΫ͔ΒόονͰऔಘ͢Δ • ͲͪΒ΋ਓؒʹ͸ಡΈͮΒ͍ (׳ΕΔͱಡΊΔΑ͏ʹͳΔ)
  8. Acquirer
 (ΞΫϫΠΞϥ) Issuer
 (ΠγϡΞ) 16 1 Brand
 (ϒϥϯυ) (1)ར༻ (PAN,

    ༗ޮظݶ...ͳͲΛೖྗ) Χʔυձһ ళฮ (6)ΠγϡΞ͔ ΒͷԠ౴͕౸ୡ র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ (5) ApprovalCode Λੜ੒ͯ͠Ԡ౴ (2) ֹۚ, ܾࡁखஈͳͲΛ෇༩ (3) Retrieval Reference Number
 ΍ΞΫϫΠΞϥIDͳͲΛ෇༩ (4) Transaction Identi fi er ͳͲΛ෇༩ ֤ڌ఺Ͱσʔλ͕෇༩͞ΕΔ • ΠγϡΞ͕Ծച্Λঝೝͨ͠Ԡ౴͕ళฮʹ౸ୡͨ͠ޙ೔࣮ച্͕ൃੜ͢Δ • ࣮ച্͸Ծച্Ͱ෇༩͞ΕͨσʔλΛՃ޻ͤͣʹ্͛Δ͜ͱʹͳ͍ͬͯΔ • ΋ͪΖΜྫ֎͸͋Δ͕ɺ͜ΕΒͷσʔλΛҾ͖ճ͢͜ͱͰর߹Λߦ͏
  9. 17 1 র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ • র߹ʹ͸ઌ΄Ͳͷిจʹؚ·ΕΔ͍͔ͭ͘ͷ ID ͷΑ͏ͳ΋ͷΛ࢖͏͜ͱ͕ Ͱ͖ΔɻID Ҏ֎ͷ΋ͷ (ྫ͑͹Ճໍళ໊)Λ࢖͏͜ͱ΋Ͱ͖Δɻ

    • Brand ͷ࢓༷ॻʹর߹ʹؔ͢ΔϕετϓϥΫςΟε͸ॻ͔Ε͍ͯΔ͕ɺ͜ ΕΒ͕ඞͣ߹͏อূ͸ͳ͍Α͏ͳॻ͖ํ͕͞Ε͍ͯΔ • Transaction Identi fi er Λ࢖ͬͯ΋ྑ͍ • Approval Code Λ࢖ͬͯ΋ྑ͍ • ΞΫϫΠΞϥIDΛ࢖ͬͯ΋ྑ͍ • Ճໍళ໊Λ࢖ͬͯ΋ྑ͍ • ܾࡁֹۚ΍ܾࡁ೔࣌Λ࢖ͬͯ΋ྑ͍
  10. 18 1 র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ • র߹ͷॲཧΛૉ௚ʹॻ͖࢝ΊΔ • Ծച্͸ॲཧͨ͠Β DB ʹిจΛه࿥͍ͯ͠Δ •

    ࣮ച্͕དྷͨΒઌ΄ͲͷIDྨͰԾച্Λݕࡧ͢Δ • ܾࡁγεςϜ։ൃ౰ॳͷর߹ॲཧ SELECT xx FROM Ծച্ςʔϒϧ
 WHERE
 transaction_identi fi er = 'xx' AND approval_code = 'xx' • ݁߹ࢼݧͰ͸͜ΕΒ͕Ұக͍ͯͨ͠ͷͰ৴༻ͯ͠ૉ௚ʹAND৚݅ͱ͍ͯ͠ ͕ͨԾച্͕ݟ͔ͭΒͳ͍Τϥʔ͕ࢄݟ͞ΕΔ • ௐ΂Δͱ Transaction Identi fi er ͸Ұக͍ͯ͠Δ͕ ApprovalCode ͸Ұக ͍ͯ͠ͳ͍ɺ·ͨ͸ͦͷٯɺͱ͍͏Α͏ͳݱ৅͕ى͖͍ͯΔ͜ͱ͕Θ͔ͬ ͨ
  11. 19 1 র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ • Αͬͯ͜͜Ͱ΋ૉ௚ʹมߋ͢Δ SELECT xx FROM Ծച্ςʔϒϧ
 WHERE


    transaction_identi fi er = 'xx' OR approval_code = 'xx' • ࠓ౓͸ޡͬͨর߹͕͞Ε͍ͯΔέʔε͕ݱΕͨ • ͳ͔ͥʁ approval_code ͷ࢓༷͸ 6ܻͷ਺ࣈɻͭ·Γ 000000 - 999999 ͷ ൣғɻඇৗʹ୹͘ϢχʔΫੑʹ๡͍͠ɻ͜Ε͘Β͍ͷܻͩͱ؆୯ʹॏෳ͢ Δɻ
  12. 20 1 র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ • ݕࡧൣғΛߜͬͯΈΔ SELECT xx FROM Ծച্ςʔϒϧ
 WHERE


    (transaction_identi fi er = 'xx' OR approval_code = 'xx' )
 AND
 created_at > x೔લ • ࠓ౓͸Ծച্͔Βx೔ܦաޙʹ࣮ച্͕དྷΔέʔεʹରԠͰ͖ͳ͍͜ͱ͕Θ ͔ͬͨ • ࣮ച্্͕͍͕ͭͬͯ͘Δ͔͸อূ͞Ε͍ͯͳ͍ • x೔ޙʹ࣮ച্͕͘ΔͱԾച্Λݟ͚ͭΔ͜ͱ͕Ͱ͖ͳ͍
  13. 21 1 র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ • Ծച্ڧ੍ฦۚͱͷ߹ΘٕͤͰରԠ • ౰࣌͸Ծച্͔Β45೔ܦաޙ΋࣮ച্͕དྷͳ͍৔߹͸ฦۚ͢Δ࢓༷͕͋ͬ ͨ (※ ݱࡏ͸͜ͷڧ੍ฦۚͷ࢓༷ࣗମ͕มߋ͞Ε͍ͯ·͢)

    • 45೔ܦͯ͹ඞͣڧ੍ฦۚ͞Ε͍ͯΔͱ͍͏લఏͰॲཧΛߦ͏ • 45೔ܦաޙ͸AB͕໭͍ͬͯΔͷͰABͱLB྆ํΛҾ͘ SELECT xx FROM Ծച্ςʔϒϧ
 WHERE
 (transaction_identi fi er = 'xx' OR approval_code = 'xx' )
 AND
 created_at > 45೔લ 5JNF 5SBOTBDUJPO "NPVOU "# -#  ೖۚ ʴ    Ծച্ ʔ    ڧ੍ฦۚ ʴ    ࣮ച্ ʔ  
  14. 22 1 র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ • ࠓ౓͸Ծച্ͷΩϟϯηϧͷ͋ͱʹ࣮ച্͕ಧ͘έʔε΋ൃݟ͞Εͨ 5JNF 5SBOTBDUJPO "NPVOU "# -#

     ೖۚ ʴ    Ծച্ ʔ    Ծച্Ωϟϯηϧ ʴ    ࣮ച্ ʔ   • ࣮ച্ͷલʹԾച্͕Ωϟϯηϧ͞ΕͯAB͕ࠩ͠໭͞Εͨ • ࣮ച্ͷॲཧ͸Ծച্͕Ωϟϯηϧ͞Ε͍ͯΔՄೳੑ͕͋Δͱ͍͏ߟྀ͕ ͞Ε͍ͯͳ͔ͬͨͨΊૉ௚ʹॲཧΛਐΊΔͱ AB ͱ LB ͕ٯస͢Δ • ͜Ε͸࣮ࡍʹ͸600ԁ͔͍࣋ͬͯ͠ͳ͍͕ɺ1000ԁ·Ͱ࢖͑ͯ͠·͏ͱ͍ ͏࢒ߴʹෆ੔߹͕ൃੜ͍ͯ͠Δঢ়گ
  15. 24 1 র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ • ͔͠͠·ͩऴΘΒͳ͍ • ೔ʑ༷ʑͳύλʔϯ͕ݟ͔ͭΔ • Ծച্ ->

    ࣮ച্ -> Ծച্Ωϟϯηϧ -> ࣮ച্Ωϟϯηϧ • Ծച্ -> ࣮ച্ -> ࣮ച্ -> ࣮ച্ • ࣮ച্ (Ծച্͕ຊ౰ʹଘࡏ͠ͳ͍) • ͻͨ͢ΒύονΛ౰ͯͯ௵͍ͯͬͨ͠ • র߹ͷϩδοΫ͕ෳࡶʹͳΔ
  16. 25 1 র߹Ͱ͖ͨΓͰ͖ͳ͔ͬͨΓ͢ΔԾച্ͱ࣮ച্ • ͜ΕΒ͸஌ࣝෆ଍ͱۀքͷ͍Ζ͸Λ஌Βͳ͍͜ͱ͔Βੜ·Εͯ͠·ͬͨ • Πϯλʔωοτ্ʹϊ΢ϋ΢͕ͳ͘ख୳Γ͔͠Ͱ͖ͳ͔ͬͨ • ಛʹϢʔβͷ࢒ߴ͕ζϨΔͷ͸͔ͳΓةݥ •

    ࣮ച্ͷόον͸೔தଳʹ࣮ߦͯͦ͠ͷ৔Ͱϩά֬ೝ͢ΔΑ͏ʹͨ͠ • র߹͕Ͱ͖ͳ͍΋ͷ͸͋͑ͯΤϥʔͰམͱͯ͠खಈͰऔΓࠐΉΑ͏ʹͨ͠ • ܾࡁͷύλʔϯΛͻͨ͢Β஝ੵ͍ͯͬͨ͠ • ৽ϝϯόʔୡͷ׆༂ͳͲ΋͋Γ࠷ऴతʹ͸র߹Τϥʔθϩʹͳͬͨ
  17. 27 2 Ϗδωεύʔτφʔͱͷ઀ଓཁ݅Λຬͨ͢ωοτϫʔΫઃܭ • ܾࡁΛࡹͨ͘Ίʹ Brand ͷΤϯυϙΠϯτʹ઀ଓ͢Δඞཁ͕͋Δ • ͪ͜ΒͷγεςϜ͸AWSͰɺ઀ଓઌ͸ΦϯϓϨʹ͋Δ •

    ઌʹॻ͍ͨΑ͏ʹԾച্͸TCPͷৗ࣌઀ଓɺ࣮ച্͸όον(※) • ※ ϒϥϯυͷఏڙ͢Διϑτ΢ΣΞʴզʑͷ։ൃͨ͠ιϑτ΢ΣΞͷ߹੒ • ϓϩτίϧ͸෬ͤ·͢ • ཁ݅ͱͯ͠͸͜ΕΒͷϓϩτίϧͰࢦఆͷϙʔτʹ઀ଓͰ͖Δ͜ͱ • Ճ͑ͯ • Ծച্ɺ࣮ച্ͷ઀ଓ͸DC಺ͷࢦఆ͞Εͨૹ৴ݩIPʹͳ͍ͬͯΔ͜ͱ • Ծച্αʔόͱ࣮ച্αʔόͷૹ৴ݩIP͸ผͰ͋Δ͜ͱ • Ծച্ɺ࣮ച্ͦΕͧΕͷαʔόʹڐՄ͞ΕΔૹ৴ݩIP͸1ͭͷΈͰ͋Δ͜ͱ • ͜ͷલఏͰͲͷΑ͏ʹΤϯυϙΠϯτʹ઀ଓͯ͠ɺಛʹৗ࣌઀ଓͷԾച্αʔόͷ৑௕ ԽΛ͢Δ͔ʁ Acquirer
 (ΞΫϫΠΞϥ) Issuer
 (ΠγϡΞ) Brand
 (ϒϥϯυ) ΦϯϓϨ AWS Ծച্: TCP ࣮ച্: όον
  18. 2 ࣮ച্ HAProxy AWS Direct Connect Ծച্ VPC peering API

    VPC peering Processor (ΧϯϜͷܾࡁγεςϜ) Vandle ܾࡁ νϟʔδ ENI ENI Subnet Subnet Subnet Direct Connect Λड͚ΔϧʔλͰ͍Ζ͍Ζ͕Μ͹Δ HAProxy, ࣮ച্αʔόʹENIΛΞλονͯ͠AWS ଆͷEC2ͷIPΛݻఆɺ 
 AWSଆͷૹ৴ݩIPͰԾച্αʔό͔࣮ച্αʔό͔Λ൑அͤ͞Δ ͦΕʹΑͬͯͦΕͧΕ͕ڐՄ͞ΕΔDC಺ͷૹ৴ݩIPʹSNAT͢Δ IP ݻఆ IP ݻఆ DC಺ͷૹ৴ݩIPͰ ΞΫηε੍ޚ ͞Ε͍ͯΔ Ծച্ ૹ৴ݩIP͸1͔ͭ͠ڐՄ͞Ε͍ͯͳ͍ͷͰ HAProxy ͰԾച্αʔόͷૹ৴ݩΛ1ͭݟͤΔ ͜ͷഎޙʹԾച্αʔόΛ഑ஔͯ͠৑௕Խ ΑΜ͝ͱͳ͖ࣄ৘ʹΑΓԾച্ͱ VPCΛ෼͚Δඞཁ͕͋Δ Amazon RDS
 (PostgreSQL) API Amazon RDS
 (PostgreSQL) BrandͷΤϯυϙΠϯτ Ϗδωεύʔτφʔͱͷ઀ଓཁ݅Λຬͨ͢ωοτϫʔΫઃܭ
  19. 29 2 • ͜ͷߏ੒ͷ໰୊఺ • HAProxy ͕׬શͳ SPOF • ো֐࣌͸खӡ༻ͰͲ͏ʹ͔͢Δ

    • DC಺ʹஔ͍ͨϧʔλͷઃఆมߋͰ͏·͍͜ͱͰ͖ͦ͏͕ͩ1౓ࣦഊ • ܾࡁΛࢭΊΔϝϯς͕ͮ͠Β͍͜ͱʹՃ͑ͯ৺ཧతڪාͰखΛग़ͤͳ͍ ঢ়گ͕ଓ͍ͨ • ͜ͷͱ͖ͷDC͸๭ݝ๭ॴ (ͱͯ΋ԕ͍) Ϗδωεύʔτφʔͱͷ઀ଓཁ݅Λຬͨ͢ωοτϫʔΫઃܭ
  20. 2 ࣮ച্ AWS Direct Connect Ծച্ API VPC peering Processor

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 Ծച্ͱಉ͡VPCʹͳͬͨ Amazon RDS
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  21. 33 3 ·ͱΊ • 20෼ͱ͍͏୹͍࣌ؒͰݶΒΕͨ͜ͱ͔͠஻Ε·ͤΜͰ͕ͨ͠ɺΠϯλʔ ωοτ্ʹ஌ݟͷ΄ͱΜͲͳ͍γεςϜΛख୳Γ͠ͳ͕Βӡ༻͢Δͷ͕͓ ΋͠Ζ͍ͱ͜ΖͰ͢ɻ • ·༷ͨʑͳ੍໿ԼͰ͍͔ʹεϚʔτʹ΍Δ͔ʁΛߟ͑ɺ࣮ߦ͢Δͷ΋ຯ͕ ͋Γ·͢ɻ

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