- Видео 42
- Просмотров 587 550
Learn Payments
Добавлен 1 сен 2020
Learn Payments presents short videos on various topics in Cards & Payments.
Presented to you by Satish VT - www.linkedin.com/in/satishvt
Presented to you by Satish VT - www.linkedin.com/in/satishvt
3D Secure 2.x - Frictionless Transactions & Method URL
3DS Secure 2.x has a cool feature called Frictionless transactions, which facilitates the Issuers (and participants) to skip the 2nd factor (Challenge Request), thus leading to less cart abandonment.
In this video, i want to present how "Risk Based Authentication" facilitates Frictionless Transactions. How more data points are collected in 3DS 2.x (like Method URL) to achieve the same.
For technical enthusiasts, i recommend to debug your 3DS ecommerce transactions by using Developer Mode on your browsers and analysing the flow of calls.
In this video, i want to present how "Risk Based Authentication" facilitates Frictionless Transactions. How more data points are collected in 3DS 2.x (like Method URL) to achieve the same.
For technical enthusiasts, i recommend to debug your 3DS ecommerce transactions by using Developer Mode on your browsers and analysing the flow of calls.
Просмотров: 1 038
Видео
Apple Pay - an overview
Просмотров 3,7 тыс.Год назад
Hello all, This video provides an overview of Apple Pay. It covers, - What is Apple Pay - Different components in Apple Pay - Card Provisioning and Payment Flow This video does not go into detailed technical aspects of Apple Pay. It only provides a high level overview. Some reference links: atadistance.net/2022/05/08/in-the-apple-pay-monopoly-debate-context-is-everything/ support.apple.com/fr-f...
Intro to 3DS 2.0
Просмотров 14 тыс.2 года назад
This video is an Introduction to 3DS 2.0 i.e. 3D Secure 2.0 protocol. It covers, - Overview of a 3DS 1.0 - Standard eCommerce transaction flow - Brief Introduction to 3DS 2.0 - Different Transaction Types & Flows supported by 3D Secure 2.0 - Different Parties in 3DS 2.0 (3DS Requestor, 3DS Server, 3DS Client, 3DS SDK, ACS, Directory Server) - Example Transaction Flow - Differences between 3DS 1...
Overview of HSM - Hardware Security Module
Просмотров 19 тыс.2 года назад
This video provides about Hardware Security Module - HSM. It covers, - What is HSM? - Types of HSM (General Purpose, Payment HSM) - HSM standards - Cloud HSM - Key points This video does NOT talk about Key types, encryption methods, algorithms. Check this playlist out for Payment Cryptography - ruclips.net/p/PLq6InkZqS2g2MFS7Efys-0KBQlsuVhpyb Reference links provided in the video are below: - w...
NCMC - National Common Mobility Card - An Overview (Transit + Payment Cards)
Просмотров 4,3 тыс.2 года назад
NCMC - National Common Mobility Card - India's initiative for implementing an interoperable transport card plus a Payment card in it. This video provides an overview of NCMC ecosystem and its message flows. It covers the following, NCMC Ecosystem Card Type, Card Structure Card Issuance Process AFC Ecosystem Message flows Service Creation Money Add Debit Transaction I'd also recommend you to thr...
Terminal & Acquirer Host Certification - A High Level Overview
Просмотров 5 тыс.2 года назад
This video provides a high level overview of Certification processes involved in Acquirer landscape specifically Terminal and Acquirer Host. Topics covered are, - Overview of Acquirer Landscape - Various components of Terminal (Interface Module, Proximity Coupling Device, Application Kernel). - Terminal Certification - Level 1, 2, 3 - Acquirer Host Certification - Tools used (few tools) If you ...
Issuer - Scheme Certification - A High Level Overview
Просмотров 6 тыс.2 года назад
This video provides a high level overview about Issuer - Scheme Certification. Schemes like MasterCard and Visa certify new members that are onboarded on their network. Members can be either Issuers, Acquirers or Processors etc. This video covers only Issuers. It covers the following, - Features where Issuers need to comply with Scheme regulations - What is Certification - Various steps involve...
Introduction to Account Aggregators - Open Banking - India
Просмотров 4,4 тыс.2 года назад
This video is an introduction to Account Aggregators, (recent) Open Banking implementation in India. It covers, - Data needs by Financial Institutions for various products - What is the current process of Data Upload & challenges with the current process - “Brief” about Open Banking - Account Aggregators - Parties involved (FIPs, FIUs) & their responsibilities - Data flow incase of Account Aggr...
Commercial Cards - A Primer
Просмотров 4,7 тыс.2 года назад
This video is a primer about Commercial Cards. It defines “What are Commercial Cards”. It also covers the following, Explain different type of Commercial Cards like, - Corporate Cards - Purchasing Cards - Business Cards - Fleet Cards Advantages of Commercial Cards Some important features of Commercial Cards like, - Spend Control - Billing and Statements
EMV Byte 7 - Contactless - An Overview
Просмотров 7 тыс.2 года назад
In my previous videos in the EMV series, I've covered EMV Payment flows for Contact mode. I want to extend this EMV video series to explain "EMV Contactless Payments" Before we look into that, this video is an Introduction to the basics of Contactless (RFID), which is fundamental to EMV Contactless Payments. This video briefs, “What is RFID?”, “How does RFID work (various components)” This vide...
Authorizations - Stand In Processing (ISO8583)
Просмотров 10 тыс.3 года назад
This video is about “Stand-in Processing (STIP)”, in Traditional Authorisation processing. It covers, - What is a Stand-in - How does Stand-in work - MTIs and Key Data Elements
Virtual Cards - A Primer
Просмотров 2,1 тыс.3 года назад
This video is a Primer on Virtual Payment Cards. It covers - What is a Virtual Payment Card - Where an a Virtual Card be used - Why do we require a Virtual Card - Some key points For further reading: icard.com/en/all-about-virtual-cards privacy.com/virtual-card
EMV Byte 6 - Issuer Script Processing
Просмотров 6 тыс.3 года назад
This 6th video in the EMV Series, is about Issuer Script Processing. This video presents, - What is EMV Scripting, A Use-case of EMV Scripting - What sort of updates are possible in Issuer Scripting - How does an EMV Scripting work (Data Elements used) - Some key notes about EMV Scripting
UPI - Unified Payments Interface - A Primer
Просмотров 62 тыс.3 года назад
This video is a primer on India’s Unified Payment Interface (UPI). The video consists of 3 chapters, 1. Overview of UPI and a look at volume 2. Brief History of UPI. Payments Systems available in India prior to UPI (NEFT & IMPS). Importance of IFSC and Acc# 3. UPI terminologies, PSP, Customer Registration Process, Push Transaction flow UPI Terminologies/Concepts covered : Payee, Payer, SDK (NPC...
Introduction to Cryptography in Payment Cards (A Primer)
Просмотров 13 тыс.3 года назад
This video is an Introduction to Payment Cards - Cryptography. It is divided into 3 chapters, - Chapter 1 covers Basics of General Cryptography (not specific to Payments): Symmetric & Asymmetric Key Cryptography, What is HSM - Chapter 2 covers Important Terminologies in Payment Cryptography: Data Encrypting Keys & Key Encrypting Keys, Concept of a Zone - Chapter 3 covers few important keys like...
EMV Byte 4 - Chip Application Data - A Practical Class
Просмотров 8 тыс.3 года назад
EMV Byte 4 - Chip Application Data - A Practical Class
EMV Series - Byte 3 - Commands & EMV Transaction Flow
Просмотров 21 тыс.3 года назад
EMV Series - Byte 3 - Commands & EMV Transaction Flow
EMV Series - Byte 2 - Introduction to Files & Data inside Chip
Просмотров 17 тыс.3 года назад
EMV Series - Byte 2 - Introduction to Files & Data inside Chip
ISO8583 - Data Elements - Continued
Просмотров 29 тыс.3 года назад
ISO8583 - Data Elements - Continued
Payment Cards - Traditional Authorizations Protocol & Message Format (ISO8583)
Просмотров 49 тыс.3 года назад
Payment Cards - Traditional Authorizations Protocol & Message Format (ISO8583)
mVisa - Technical Overview (Push Payments)
Просмотров 3,4 тыс.3 года назад
mVisa - Technical Overview (Push Payments)
Acquiring - Merchant Back-office System - An Introduction
Просмотров 10 тыс.3 года назад
Acquiring - Merchant Back-office System - An Introduction
Don’t play
@swipetoolz gotchu brothers
On Tele
Nice Tutorial in a simpler way👍
0: 0:15 15 🎉 0🎉:15
Hello Satish Sir, Request if you throw few light on SSL & Signer Certificates with commands.
❤
Thanks for the great video! Does the TSP always do this "translation" from token to PAN? I was under the impression that some large issuers managed this mapping themselves.
Thank you for your information
Does terminal send request to issuer to perform ISSUERSCTIPT COMMAND. In which request issuer have to send issuer script command. Does terminal send pin change or card block request so that issuer send issuer script command.
In the Scenario 4, finally the transaction fails?
Hi Sir, What is mean by "Scheme" in this example?
Very good explanation, it's helping me alot thanks, keep doing
How can i get slides?
Hi sir, could you please create a video on different types of payment terminal integrations to the POS systems, and how Mpos or Softpos works and the types.
Excellent video. Where is the second part?
Very helpful
A nice walkthrough on the basics of the payment system. Kudos :)
Words are not clearly audible or differently audible. This problem is with all youtubers.
Awesome, this is what i was searching for since long. Thank you so much.
Hello Friend, I am interested to learn more, could you please share your contact to discuss further details if you are able to provide your knowledge as service
Great video
Sound is very week .....
perfect explanations, thank you
Thanks ...But Voice is very Low Bro ....
Nice please add more videos
Information like this even in high level overview helps people like me who is currently specializing in payment industry specifically payment cards and processing transactions. Thanks a lot!
Do u have telegram
@@TimTrev-ov5yi don’t no witch one is you
Can you provide the ppt as i need to explain to my friends?
Hlo sir ,can you help me KW command for arqc validation
Hi Chandrasekhar, if you have any specific error that you’re facing, I can try to help. Drop an email with the error to learn.payments.2020@gmail.com
I recommend *CITYMETHODS*
On te le
Aplicatia Google Pay😮
what is Open to Buy
Amount credit available for a customer to do a transaction. Say if you’re using a credit card, and your credit limit is 1000 , and you’ve used it for a purchase of 100. Then your available credit is 900 that’s open to buy
Very good Video ; Suggest if you can add examples in the transaction flow using hypothetical figures and person
Very useful information Sir. Thanks a ton!
Great video
Also in the transaction flow The pin will go trough the PSP right? For example, if i have installed Google Pay . The flow would look like this GPAY On my mobile --> PSP (Google Server) --> NPCI UPI Server --> Bank My question why can't GPAY directly connect with NPCI UPI server? Like below GPAY On my mobile NPCI UPI Server --> Bank
I guess the answer lies in the reason that UPI communicates with the PSPs. This link helps you with the responsibilities of the different parties www.npci.org.in/what-we-do/upi/roles-responsibilities Refer to Annexure V and VI of this doc www.slbcmadhyapradesh.in/docs/UPI_Procedural_Guidelines24_12_2016.pdf for the flow
in 15:46 , will the PIN travel "trough" PSP server? I understand it is encrypted but it will go through PSP server right?
Thats right, also the responsibilities vests with the PSP Bank.
Is there a web service to use UPI without having to use a mobile device
When user is registering for the first time they are asked to provide a phone number so as to do "Device FingerPrinting". Understand that this phone number is used to link with bank account. Why can't the procedure decouple this aspect i.e. allow Phone number per Sim card to be X and Phone number of Bank account is Y. At the time of device fingerprinting user could be given the choice of specifying both X and Y. For most situations they will be same.
Thanks a ton for making this video @learn payments. The best part is the SIMPLICITY (language + content) and the pace of delivery. Simply SUPERB!!!
Thanks for the nice words ! Avinash
Nice explained !! Keep going.
Very Nicely Explained!
On te le
Citymethods gotchu bro
Thank you 😊
Please tell more on thitd party processors connection to a Banking system
With respect to Cards, there are a lot of types of TPPs. This link from Visa gives an overview (not an exhaustive list) usa.visa.com/content/dam/VCOM/download/merchants/tpa-registration-program-faqs.pdf
Top notch very well structured content! Bravo.
Who will validate or authenticate UPI pin is Npci or isser bank.
Issuer ecosystem
@@LearnPaymentsthanks , means the work of Npci is to transfer requests or store data in his data base is this right
Excellent video..can you share similar info on UPI pull payment.
Shall try to
Very clearly explained..no such explanation in other videos or other learning channels
Hello! Thank you for making this video. You have explained it very well in a simple manner. I have a question, it is a little off topic from the subject of your video though. If a bank implements/migrate from 3DS 1.0 to a EMV 3DS. And a transaction is authenticated by an OTP, I am assuming it would show ECI 05 transaction to the bank. If a cardholder tries to claim a CNP transaction authenticated by EMV 3DS as fraud, as a bank can I deny the cardholder's claim? Thanks in advance
Yea the bank can deny the claim for a fully authenticated transactions
Hello! Thanks for making the video. It is very informative. I have a question, could you please suggest if the above 3DS OTP authentication in the video is different from the EMV-3DS OTP authentication? Thanks in advance
Hello Adi, EMV 3DS is nothing but 3DS 2.x. The earlier version is 1.0. OTP (one time password/passcode) via mobile or email is only a method of validation in 2.x including OOB and others. Whereas in 1.0, it was the most prevalent method. When I made the video in question I only referred to 1.0, but there is a diff video which talks about 3DS 2.0 ruclips.net/video/ViL4xAU2FQQ/видео.html
@@LearnPayments Thank you!