What problem does it solve?
ISO8583 is the global standard for payment card message exchange, enabling authorization decisions in milliseconds. This skill covers message structure (MTI + bitmap + data elements), building authorization requests (0100) with PAN/track data/amount/merchant info, parsing network responses (0110) with approval codes and response codes, high-performance TCP socket gateways for Visa/Mastercard networks, real-time authorization decision engine with velocity checks and fraud scoring, stand-in authorization for offline mode, and clearing/settlement file processing for post-transaction reconciliation.
Core Features & Use Cases
- IsoMessageBuilder constructs ISO 8583 0100 authorization requests with proper bitmap encoding and field formatting.
- CardAuthorizationService implements the authorization decision logic with velocity checks, fraud scoring, and account validation.
- TcpSocketGateway manages pooled NIO socket connections to Visa/Mastercard networks with heartbeat monitoring.
Quick Start
Run a sample authorization request against test network endpoints using a test PAN, amount, and merchant to observe the ISO 8583 flow.
