In-depth technical essays on ISO 8583 standards, payment authorization flows, real-time risk scoring, and cloud architecture by Joel Tan.
How payment messages navigate from terminal to acquirer, scheme switch, and issuing bank.
Understanding EMV microchip dynamic cryptograms, magnetic stripe skimming vulnerabilities, and the 2015 liability shift.
Fraud detection in ISO8583 messages: Visa Advance Authorisation (VAA), Visa Risk Manager (VRM), and Mastercard Decision Intelligence.
DE4 Transaction Amount limits, currency smallest units, and DE7 Transmission Date & Time fraud detection.
Exploring DE2 Primary Account Number structure, Luhn Algorithm, Magstripe vulnerability, EMV chips, and Tokenization.
Understanding the key differences between reversal requests (0400/0410) and informational advice messages (0120/0220).
Message Type Indicator (MTI), Bitmaps, and Data Elements in ISO8583.
Understanding the 4 Party Model with the Ya Kun coffee analogy: Cardholder, Merchant, Acquirer, and Issuer.
ISO 8583 standards, Message Type Indicators, Bitmaps, and history of financial transaction messaging.