Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Welcome toSystem Design and Development ContestWeb Application Development Track
Rafiqunnabi Nayan
6 May 2015
Copyright 1999-2013 Kona I Co., Ltd All Rights Reserved.ⓒ
CONTENTS
II
Judging CriteriaIII
IV QA
Topics to Study
I Problem Domain
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
What is this?
Smart Card
4
• Payment Cards• Discount Cards• ID Cards• Others
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
How do we get it?
Various organizations may issue Smart Cards. Most common issuer of payment cards are Banks.
Issuer Bank
Other Organizations
o As part of Bank Accounto Credit Card Service
o Financial Institutionso Restaurants, Stores as discount cardo National ID e.g NID of Thailand
5
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Where do we use it?
Point of Service Terminal
8
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Card Information
Each Smart Card contains some information either in the Magnetic Stripe or in the EMV Chip.
Card Data Elements
10
• Primary Account Number (PAN)• Expiry Date• Card Holder Name• CVC/CVV
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Types of Cards
Two most commonly used cards are issued by Banks.
Debit Card
Credit Card
o As like pre-paid phoneso Maximum allowed amount is equal to account balance
o As like post-paid phoneso Each card has a credit limito Maximum allowed amount to expense is equal to credit limit
11
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Card Technologies
Most commonly used cards are of two types
Magnetic Stripe
EMV
o No electronic chipo Unsecured
o Electronic chip embeddedo More secured
12
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Payment Networks
Responsible for performing inter bank communications
13
• VISA• MasterCard• Discover• JCB
Most Common Networks
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Simplified Responsibility of Components
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Merchant
16
• Opens account with Acquirer Bank• Installs POS Terminal
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Acquiring Bank
17
• Detects the card type e.g Visa, MasterCard, American Express etc• Forwards the request to corresponding Payment Network e.g Visa,
MasterCard network• After receiving successful message from Payment Network, per-
forms a transaction in Merchant’s account
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Payment Networks
18
• Detects the Card issuer from the PAN• Verifies the request data format • Forwards the request to the Card Issuer Bank
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Issuer Bank
19
• Receives transaction request from Payment Network• Verifies the card validity and transaction eligibility• Processes the transaction• Sends response back to Payment Network
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Considerations
20
• High Security• High Availability• Transaction Time• Usability
Copyright © 2015 Kona Software Lab Ltd. All Rights Reserved.
Rafiqunnabi NayanCSE(06), BUETEngineer - R&DKONA Software Lab Ltd.
https://bd.linkedin.com/in/rafiqnayan
21
About Me
Top Related