Create a more convenient payment world through a payment alliance

Donggyu Seo
LINE BIZ PLUS Pay Server Dev 3 Software engineer
https://linedevday.linecorp.com/2020/ja/sessions/9362
https://linedevday.linecorp.com/2020/en/sessions/9362

Transcript

2. Agenda
3. Agenda › LINE Pay Cross Border
4. Agenda › LINE Pay Cross Border › Cross Border platform structure
5. Agenda › LINE Pay Cross Border › Cross Border platform structure › Future of Cross Border service
6. LINE Pay Cross Border
7. LINE Pay Cross Border What is ‘cross border’ payment ? SINGAPORE THAILAND MALAYSIA THE UNITED STATES INDONESIA JAPAN TAIWAN SPAIN TURKEY KOREA COLOMBIA MEXICO
8. LINE Pay Cross Border Localization THAILAND JAPAN TAIWAN 2014 2015 2015
9. LINE Pay Cross Border Localization: e-money
10. LINE Pay Cross Border Localization: LINE Pay card / Co-brand card CTBC Co-brand card Fubon Co-brand card UBOT Co-brand card JCB LINE Pay card SMCC Co-brand card Rabbit LINE Pay Card
11. LINE Pay Cross Border Localization: Payment service Exclusive Payment App Checkout Bill Payment
12. LINE Pay Cross Border Localization: Transportation service Traffic QR BTS Skytrain
13. LINE Pay Cross Border Multi currency system ¥ NT$ ฿
14. LINE Pay Cross Border Payment eco-system Reservation Transportation Food & Beverage Shopping
15. LINE Pay Cross Border Partner gateway system KR Partners CN Partners Other Partners Payment / Refund Settlement Multi Currency System Payment Eco System Partner Gateway ₩ ¥ $ € £ …
16. Cross Border Platform Structure
17. Cross Border Platform Structure Multi Currency System Online Transaction Layer Database Layer Settlement Layer LINE Pay Merchant Area LINE Pay Settlement Area Partner Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Merchant Order DB Kafka Settlement System Exchange Rate DB Settlement DB Partner Settlement System + + Admin
18. Cross Border Platform Structure Multi Currency System Online Transaction Layer Database Layer Settlement Layer LINE Pay Merchant Area LINE Pay Settlement Area Partner Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Merchant Order DB Kafka Settlement System Exchange Rate DB Settlement DB Partner Settlement System + + Admin
19. Cross Border Platform Structure Multi Currency System Online Transaction Layer Database Layer Settlement Layer LINE Pay Merchant Area LINE Pay Settlement Area Partner Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Merchant Order DB Kafka Settlement System Exchange Rate DB Settlement DB Partner Settlement System + + Admin
20. Cross Border Platform Structure Multi Currency System Online Transaction Layer Database Layer Settlement Layer LINE Pay Merchant Area LINE Pay Settlement Area Partner Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Merchant Order DB Kafka Settlement System Exchange Rate DB Settlement DB Partner Settlement System + + Admin
21. Cross Border Platform Structure QR code payment methods: CPM / MPM Merchant Area User Area Customer Presented Mode Merchant Presented Mode
22. Cross Border Platform Structure Partner system: Consumer-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
23. Cross Border Platform Structure Partner system: Consumer-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
24. Cross Border Platform Structure Partner system: Consumer-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
25. Cross Border Platform Structure Partner system: Consumer-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
26. Cross Border Platform Structure Partner system: Consumer-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
27. Cross Border Platform Structure Partner system: Consumer-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
28. Cross Border Platform Structure Partner system: Consumer-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
29. Cross Border Platform Structure Partner system: Merchant-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
30. Cross Border Platform Structure Partner system: Merchant-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
31. Cross Border Platform Structure Partner system: Merchant-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
32. Cross Border Platform Structure Partner system: Merchant-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
33. Cross Border Platform Structure Partner system: Merchant-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
34. Cross Border Platform Structure Partner system: Merchant-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
35. Cross Border Platform Structure Partner system: Merchant-presented mode LINE Pay Merchant POS Layer User App Layer Server Layer LINE Pay Merchant Area Bank Area Cross Border User Area LINE Pay Partner System Area Deposit DB Transaction DB + - Partner Gateway Partner Server Merchant Server Transaction DB + Exchange Rate Bank Exchange Rate
36. Future of Cross Border Service
37. Future of Cross Border Service Enhancement of payment eco-system for travelers Reservation Transportation Shopping Payment
38. Thank you