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은행 솔루션 아키텍트 키트

산업 표준 기반 은행 솔루션: BIAN 서비스 도메인, ISO 20022 결제, FAPI 2.0 오픈뱅킹, 결제 원장, 고객 아이덴티티, PCI DSS 범위 산정, DORA 등록부.

1단계

참조 설계

  1. Banking Solution Design Template (BIAN 14.0)

    전체

    Bank solution mapped to BIAN 14.0: scope, alignment level, release changes, service domain mapping, control records, APIs, core interplay, ISO 20022, data, coexistence, regulation

    BIAN Service Landscape 14.0
  2. ISO 20022 Payments Design Template (CBPR+, SEPA, Fedwire)

    전체

    ISO 20022 payments solution: scheme register, message set and versions, flows, canonical model, structured and hybrid address, identifiers, truncation, screening, VoP, reconciliation, cutover

    ISO 20022; Swift CBPR+ (SR2026 payments changes deferred); EPC SEPA rulebooks; Regulation (EU) 2024/886
  3. Open Banking API Design Template (PSD2, FAPI 2.0)

    전체

    Open banking dedicated interface: PSD2/RTS, PSR and PSD3, FiDA and CFPB 1033 status, API standard choice, FAPI 2.0 controls, consent life cycle, SCA, TPP certificates, dashboards, reporting

    PSD2 and RTS (EU) 2018/389; FAPI 2.0 Security Profile (Final 2025); NextGenPSD2 1.3.16; UK Open Banking 4.0.1
  4. Payment Ledger System Design Template (Reference Design)

    전체

    Payments and double-entry ledger: idempotency keys, payment state machine, PSPs, outbox, reconciliation, audit, PCI DSS scope

2단계

보안

  1. CIAM Solution Design Template (Passkeys, OIDC, FAPI 2.0)

    전체

    Journeys and risk, proofing, passkeys and step-up, recovery, OAuth/FAPI profiles, consent and GDPR rights, B2B2C, fraud, scale, KPIs, migration

    NIST SP 800-63-4; OpenID Connect Core 1.0; RFC 9700; FAPI 2.0 Security Profile; WebAuthn Level 3
  2. Threat Model Template (STRIDE)

    전체

    STRIDE threat model: scope, DFD with trust boundaries, assets, threats per element, L x I rating, mitigations, risk acceptance

    STRIDE
  3. PCI DSS Scoping and Segmentation Design Template (v4.0.1)

    전체

    Card data flows and inventory, scope categories, component register, tokenisation and P2PE, segmentation controls and tests, TPSPs, TRAs, scope confirmation

    PCI DSS v4.0.1 (structure and requirement numbers only); PCI SSC scoping and segmentation supplements
3단계

규제와 컴플라이언스

  1. DORA Register of Information Template (ICT Third-Party Arrangements)

    전체

    DORA Art. 28(3) register: templates B_01.01 to B_99.01, arrangements, providers and LEI/EUID, supply chain ranks, functions, assessments, concentration, exit

    Regulation (EU) 2022/2554 (DORA) Art. 28 to 30; Implementing Regulation (EU) 2024/2956
  2. Data Residency and Sovereignty Assessment Template (GDPR Chapter V)

    전체

    Data tiers, flow map, jurisdiction matrix, Chapter V mechanisms, TIAs, PIPL and DPDP examples, Data Act Art. 32, key custody, sovereign cloud scoring, decision

    GDPR Chapter V; SCCs 2021/914; EU-US DPF 2023/1795; EDPB Recommendations 01/2020 v2.0; Data Act Art. 32