Card Payments 101 - Speaker Deck

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Card Payments 101 Andrey Saksonov

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

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

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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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Card Payments 101 Andrey Saksonov