WIA-FIN-012 Payment System

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弘益人間 · Benefit All Humanity

Universal Payment System Standard - Standardizing card networks (Visa, Mastercard), payment processing, ISO 8583, EMV chip cards, 3D Secure authentication, PCI-DSS compliance, payment gateways, acquirers, issuers, settlement, clearing, and interchange fees for secure and interoperable digital payments.

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Phases

15+

Payment Methods

99.9%

Uptime Target

PCI-DSS

Compliant

🗺️ Implementation Phases

1️⃣

Data Format

Define payment transaction data structures, card data formats (PAN, CVV, expiry), ISO 8583 message formats, EMV chip data, encryption standards, and tokenization schemas.

2️⃣

Payment API

RESTful APIs for authorization, capture, void, refund, card verification, 3D Secure authentication, recurring billing, webhook notifications, and real-time transaction status.

3️⃣

Processing Protocol

Card network routing, acquirer-issuer communication, clearing and settlement protocols, dispute resolution, chargeback handling, fraud detection, and risk management systems.

4️⃣

Ecosystem Integration

Payment gateway integration, POS terminal connectivity, e-commerce platforms, mobile wallets, banking systems, compliance frameworks (PCI-DSS, KYC, AML), and reconciliation.

🏷️ Key Topics

Visa & Mastercard ISO 8583 EMV Chip Cards 3D Secure 2.0 PCI-DSS Compliance Payment Gateways Card Tokenization Acquirer Processing Issuer Authorization Settlement & Clearing Interchange Fees Fraud Detection Chargeback Management Recurring Billing Mobile Payments

🔗 Quick Links

Phase 1: Data Format Phase 2: API Phase 3: Protocol Phase 4: Integration Interactive Simulator English eBook Korean eBook README