Arquitetura de sistemas de pagamentos e padrões de mensagem financeira: Uma abordagem prática na interpretação de mensagens financeiras

Abstract

Electronic payment methods have been steadily growing over time, especially cre dit card payments. This work aims to provide an overview of the process so that new professionals and those interested in the field can have a better and faster understanding of the process. The main actors and concepts of the process will be explored, and to assist in a practical way, an application capable of interpreting financial messages based on the ISO8583 message standard will be developed. The paper initially investigates the general architecture of credit card payment, including the main actors and systems involved in the process, the possible transaction flows, security methods , and finally, the study of transactional message standards. Once the main concepts regarding payment architecture are understood, the paper will focus into the study of the ISO8583 financial message standard and the development of an application able to valid and read messages based on this standard.