如今在线支付网关如何运作？
您能看出这是在线支付网关的基本架构吗？
但它应该只适用于信用卡持有者，即支付网关如何响应信用卡？网关如何识别信用卡发卡机构？
Can you tell be the basic architecture of a online payment gateway.
But it supposed to be for credit card holder only, i.e how payment gateways responded to credit card? How gateways recognize the credit card issuer?
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任何支付网关都包含三个基本要素。根据 PCI DSS、AUTH 和结算（捕获）安全存储信用卡号。
提供安全存储卡号并返回令牌或哈希作为信用卡句柄的服务。
您需要规则引擎或服务来识别 BIN 中的卡类型（VISA、MC、DISC、AMEX 等）。
ESB 或基于内容的路由器，根据卡类型或 BIN 将请求发送到适当的收单机构。
具有高 SLA 的服务，用于执行实时 AUTH
用于结算（CAPTURE）的服务或批处理作业
There are three basic elements of any payment gateway. Secure storage of credit card number as per the PCI DSS, AUTH and Settlement (capture).
Have a service to securely store the card number and return a token or a hash as handle for credit card.
You need rule engine or a service to Identify the CARD TYPE (VISA, MC, DISC, AMEX etc.) from BIN .
An ESB or content based router to send the request to appropriate acquirer based on CARD TYPE or BIN.
A service with high SLA to perform a real-time AUTH
A service or batch job for settlement (CAPTURE)