fsi-payments-credit-card

name	fsi-payments-credit-card
description	Reference architecture case study for a credit card issuer (イシュア) system built on the "BLEA for FSI / 金融リファレンスアーキテクチャ日本版" initiative. It describes how to incrementally migrate a mission-critical card payment / issuer workload from on-premises to AWS using a microservices, multi-region Active-Active design that handles high-TPS real-time Authorization and Reconciliation while keeping Settlement on-premises (Strangler Pattern). Use this skill when designing, explaining, or discussing a credit card issuer / card payment processing workload on AWS (keywords: credit card, クレジットカード, カード決済, イシュア, issuer, card payment, Authorization, Reconciliation, request hedging, リクエストヘッジ, PCI DSS).
license	MIT No Attribution
metadata	{"author":"aws-jp-fsi-sa","version":"1.0"}

Credit Card Issuer Reference Architecture (BLEA for FSI)

Workload Overview

This case study is a reference for incrementally migrating and operating a credit card issuer (イシュア) system on AWS, moving it in stages from an on-premises environment to the cloud.

A credit card issuer system processing consists mainly of three processes:

• Authorization — real-time approval of card usage. When a customer uses a card, information is relayed in the flow merchant → payment processor / acquirer → card issuer to make the approval decision.
• Reconciliation — exchange and matching of approved transaction data. The acquirer sends clearing data (sales information) to the issuer, and it is matched against the approval data.
• Settlement — the clearing, settlement, and fund movement between acquirer and issuer over the payment network.

Purpose / significance of this architecture:

• Flexibly handle high-traffic processing driven by payment demand (e.g., large-scale sales or point-reward campaigns) and real-time approval requirements.
• Build an IT foundation that lets services / functions be added or changed efficiently when new payment technologies or industry standards are introduced, or when financial regulatory requirements change.
• Build a highly resilient architecture that supports business continuity for a mission-critical card payment system requiring high availability.

Business / technical drivers (requirements):

• Performance: up to 5,000 TPS, response time ≤ 200 msec, processing more than 1 million transactions per day / over 300 million per month. A microservices architecture is adopted so each function scales out independently.
• Availability: 99.99%, realized by making maximum use of AWS mechanisms such as multi-region / multi-AZ.

Overall composition: this architecture builds Authorization and Reconciliation on AWS while building Settlement (fund clearing) on-premises. By adopting the Strangler Pattern to migrate the workload to AWS in stages, migration risk and cost are reduced while the benefits of the cloud are still enjoyed in a balanced way. On AWS, reconciled clearing data is created and the file is then handed off to on-premises where the Settlement process is executed.

Best Practices and Key Components

Best Practices

• MUST: Build Authorization (approval) and Reconciliation (matching clearing files against approved data) on AWS, and keep Settlement (fund clearing) on-premises.
• SHOULD: Adopt the Strangler Pattern to migrate the workload to AWS in stages, reducing migration risk and cost while gaining cloud benefits in a balanced way.
• MUST: Adopt a microservices architecture so each function scales out independently, to flexibly meet the credit card industry's high-traffic and real-time approval requirements.
• MUST: Adopt a multi-AZ configuration to raise service continuity within a region; redundantly deploy ECS compute, Amazon MSK, Amazon EMR, ElastiCache for Valkey, and AWS SFTP across multiple AZs.
• MUST: Adopt a multi-region Active-Active configuration; determine, per data content (card number, customer ID, etc.), which region on-premises routes to, so that each region has a separated processing scope, achieving both consistency and availability.
• MUST: Synchronize data across regions using Aurora Global Database and DynamoDB Global Tables (typically replicating within 1 second).
• SHOULD: Prepare countermeasures for data loss caused by replication lag during failure recovery — e.g., archive write events to S3 via DynamoDB Streams and Kinesis Data Firehose, forward application processing-result logs to S3 and inspect them with Athena during regional recovery, reconcile against external payment systems to detect and complete unreflected transactions, and recover from store POS systems, EC operators' order records, and customer app history.
• MUST: Use AWS Application Recovery Controller (ARC) routing control to achieve reliable switchover on regional failure.
• MUST: Connect on-premises and AWS with a redundant configuration using multi-location Direct Connect + Direct Connect Gateway + Transit Gateway.
• MUST: Maintain connectivity to the international card brand networks on the on-premises side.
• SHOULD: Implement communication from the on-premises side using Route 53 name resolution.
• SHOULD: Adopt Amazon ECS deployed across multiple AZs within a VPC; Amazon EKS may be selected instead of Amazon ECS to match requirements.
• MUST: Use Amazon MSK to queue data and achieve loose coupling between functions (task groups such as "Auth Gateway" to receive external approval requests and "Auth Decisioning" to execute approval processing).
• PREFER: Choose Amazon MSK for inter-function messaging, because credit card transactions can include large metadata (product info, customer info, risk score, etc.) so a large supported message size plus strong throughput / latency characteristics make MSK an effective choice.
• MUST: Select the right database for the right job based on the data and processing handled.
• MUST: Store and process card-transaction account information (balance / transaction data) in DynamoDB, leveraging NoSQL performance characteristics to meet the low latency and high throughput requirements.

Key Components

Auth Gateway / Auth Decisioning (Computing)

• Component Overview: Task groups placed by purpose on Amazon ECS (deployed multi-AZ within a VPC). "Auth Gateway" receives external approval requests and "Auth Decisioning" executes approval processing. Amazon MSK queues data between functions to achieve loose coupling. Amazon EKS may be selected instead of ECS to match requirements.
• Assumed AWS Services: Amazon ECS (or Amazon EKS), Amazon MSK, Amazon VPC.

Account Data Store (DynamoDB)

• Component Overview: Stores and processes card-transaction account information (balance / transaction data). NoSQL performance characteristics meet the low-latency, high-throughput requirements. Request hedging is applied as a tail-latency countermeasure. Cross-region synchronization uses DynamoDB Global Tables.
• Assumed AWS Services: Amazon DynamoDB, DynamoDB Global Tables, DynamoDB Streams.

Business Rule Store (Aurora)

• Component Overview: Manages per-customer business rules such as card limit amount and allowed PIN error count. RDB characteristics support complex conditional reference, search, and aggregation. Redundant via a quorum configuration (storage across 3 AZs with 6 copies) as a service specification, with instances built multi-AZ; cross-region synchronization uses Aurora Global Database.
• Assumed AWS Services: Amazon Aurora, Aurora Global Database.

Tokenization (ElastiCache for Valkey)

• Component Overview: Tokenizes card numbers, authentication codes, etc., before sharing data with merchants and payment agents, addressing security / PCI DSS requirements. The in-memory database processes tokenization at microsecond-level low latency. Deployed multi-AZ.
• Assumed AWS Services: Amazon ElastiCache for Valkey.

File Integration for Reconciliation (EMR + Transfer Family)

• Component Overview: Runs the Reconciliation batch (matching clearing files against approved data) on Amazon EMR, exports the result to S3, and transfers it to on-premises over SFTP via AWS Transfer Family. Authorization is relayed to on-premises in real time, while Reconciliation confirms in batch that there are no differences or mismatches in transaction detail data.
• Assumed AWS Services: Amazon EMR, Amazon S3, AWS Transfer Family (SFTP).

Data Archive & Recovery Support

• Component Overview: Handles data-loss cases caused by replication lag during failure recovery. DynamoDB Streams archives write events to S3 via Kinesis Data Firehose; application processing-result logs are forwarded to S3 and inspected with Athena during regional recovery.
• Assumed AWS Services: DynamoDB Streams, Amazon Kinesis Data Firehose, Amazon S3, Amazon Athena.

Network Connectivity

• Component Overview: Redundant on-premises-to-AWS connectivity using multi-location Direct Connect + Direct Connect Gateway + Transit Gateway. Connection to the international card brand networks is maintained on the on-premises side. On-premises communication uses Route 53 name resolution.
• Assumed AWS Services: AWS Direct Connect, Direct Connect Gateway, AWS Transit Gateway, Amazon Route 53.

Regional Failover Control

• Component Overview: Provides reliable switchover on regional failure via AWS Application Recovery Controller routing control.
• Assumed AWS Services: AWS Application Recovery Controller (ARC).

Compliance Monitoring

• Component Overview: Continuously monitors regulatory / PCI DSS-related compliance posture and enables rapid response to regulatory changes.
• Assumed AWS Services: AWS Config, AWS CloudTrail, AWS Security Hub.

FISC Compliance Summary

No dedicated FISC mapping file (fisc-mapping) is provided for this case study, so no per-standard mapping table exists. The source document does not contain a standard-by-standard FISC mapping.

The regulatory points present in the source are limited to PCI DSS and general financial-regulation handling, summarized as follows:

• For each AWS managed service, the AWS responsibility area is covered by AWS against PCI DSS standards, reducing the user-side burden even when regulations change.
• On the user-side responsibility area, the microservices architecture limits the impact scope of regulatory changes (e.g., a card-information-processing regulatory change can be handled by updating only the relevant Authorization part).
• Card information is protected by comprehensive tokenization, encryption, access control, and audit logging to comply with PCI DSS and other financial regulations.
• AWS Config, CloudTrail, and Security Hub provide compliance monitoring for continuous monitoring and rapid response.

Reference Architecture

The architecture builds Authorization and Reconciliation on AWS as microservices, keeps Settlement on-premises, and adopts multi-AZ + multi-region Active-Active for high availability. Databases are selected per workload (DynamoDB for account data, Aurora for business rules, ElastiCache for Valkey for tokenization), and request hedging is used to address DynamoDB tail latency.

For the full technical detail (multi-AZ / multi-region design, cross-region data synchronization and recovery, network, computing, database selection and request hedging, and file integration), see references/architecture.md.

CDK Sample Overview

No CDK sample is provided for this case study.