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VCB (Process of core banking (obtain account balance, transfer between…

- - - - sms token
      - EMV card & EMV card reader. EMV card is a chip and pin card
        
        EMV is a standard issued by Europe pay, master chard, visa
  - - - master card
      - master card
      - JCB (japan)
      - America Express
  - - - 1.the company owner of bill register as getting bill payment to a bank
      - The consumer have bank account, and choose the company to pay the bill payment.
      - When the transaction complete, bank do their core function (up, down the accounts) and notify to the company about the bill is paid
    - - the same bill payment
    - - user click button payment for the shopping cart
      - foward user to payment gate way. User input credit card info to the form of payment gateway
      - payment gateway encrypt the data and transfer it to payment processor
      - payment processor get the merchant info, credit card info. Send credit card info to credit card association network (visa, master card) to check the valid of card
      - credit card network check the valid of card and check if the card is over the limit or not by calling service of the bank issuing the card
      - if every thing ok, the credit card association send status sucess to payment processor
      - payment processor send back to payment gateway
      - payment gateway send back to user in shopping website
      - the payment processor, credit card association get the money of the shipment for merchant and transfer money to regular bank account of merchant
- - - - non permanent
        
        inject throw link send to user
      - permanent
        
        inject throw comments