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支付解决方案架构师套件

设计支付系统：ISO 20022、开放银行、银行卡收单、账本、PCI DSS 范围界定与 ICT 第三方登记册。

8 个模板，按使用顺序分为 2 步。在编辑器中打开任一模板，填写后可导出为 PDF、DOCX 或 HTML。

第 1 步

参考设计

  1. ISO 20022 Payments Design Template (CBPR+, SEPA, Fedwire)

    完整

    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

  2. Open Banking API Design Template (PSD2, FAPI 2.0)

    完整

    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

  3. Card Acquiring Payments Design Template (3-D Secure, PCI DSS)

    完整

    Card acquiring design: parties, 3-D Secure flow, SCA exemptions, network tokens, fraud, chargebacks, PCI DSS scope, interchange and fee reconciliation

    EMV 3DS 2.2.0 to 2.3.1.1; PCI DSS v4.0.1; Delegated Regulation (EU) 2018/389

  4. Payment Ledger System Design Template (Reference Design)

    完整

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

    PCI DSS v4.0.1 and SAQ A (Jan 2025) cited by requirement number only; ISO 4217; RFC 9457; draft-ietf-httpapi-idempotency-key-header-08 (I-D)

  5. API Security Review Template (OWASP API Top 10 2023, ASVS 5.0)

    完整

    API scope, method and rating, inventory and shadow endpoints, trust boundaries, API1 to API10 review, ASVS 5.0 API checklist, findings, decision, retest

    OWASP API Security Top 10 2023; OWASP ASVS 5.0.0
第 2 步

法规与合规

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

    完整

    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

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

    完整

    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

  3. Fraud Risk Assessment Template (GAO Framework, UK Failure to Prevent Fraud)

    完整

    Scope and size test, governance, scales, scheme inventory, inherent and residual scoring, anti-fraud controls, override, analytics, six principles, actions

    GAO-15-593SP Fraud Risk Framework; GAO Green Book 2025 Principle 8; ECCTA 2023 s.199