{"id":3432,"date":"2025-08-01T12:48:31","date_gmt":"2025-08-01T04:48:31","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3432"},"modified":"2025-08-01T12:48:31","modified_gmt":"2025-08-01T04:48:31","slug":"%e5%bc%80%e5%8f%91%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%a6%82%e4%bd%95%e6%9e%84%e5%bb%ba%e6%94%af%e6%8c%81%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%9a%84%e6%94%af%e4%bb%98%e7%b3%bb","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/08\/01\/%e5%bc%80%e5%8f%91%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%a6%82%e4%bd%95%e6%9e%84%e5%bb%ba%e6%94%af%e6%8c%81%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e7%9a%84%e6%94%af%e4%bb%98%e7%b3%bb\/","title":{"rendered":"\uac1c\ubc1c\uc790\ub97c \uc704\ud55c \ud544\uc218 \uc815\ubcf4: \ud30c\ud0a4\uc2a4\ud0c4 \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud558\ub294 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud558\ub294 \ubc29\ubc95"},"content":{"rendered":"<h1>\ud30c\ud0a4\uc2a4\ud0c4\uc5d0\uc11c \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud558\ub294 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uad6c\ucd95: \uac1c\ubc1c\uc790 \uac00\uc774\ub4dc<\/h1>\n<h2>1. \ud30c\ud0a4\uc2a4\ud0c4\uc758 \uacb0\uc81c \uc0dd\ud0dc\uacc4 \uc774\ud574\ud558\uae30<\/h2>\n<p>\uac1c\ubc1c\uc744 \uc2dc\uc791\ud558\uae30 \uc804\uc5d0 \ud30c\ud0a4\uc2a4\ud0c4 \uacb0\uc81c \ud658\uacbd\uc758 \ud2b9\uc131\uc744 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\ubaa8\ubc14\uc77c \uc9c0\uac11 \ubcf4\uae09\ub960<\/strong>\uc608: \uc7ac\uc988\uce90\uc2dc, \uc774\uc9c0\ud30c\uc774\uc0ac \ub4f1<\/li>\n<li><strong>\uc740\ud589 \uc1a1\uae08<\/strong>:: IBFT(\uc740\ud589 \uac04 \uc989\uc2dc \uc790\uae08 \uc774\uccb4) \uc2dc\uc2a4\ud15c\uc758 \uad11\ubc94\uc704\ud55c \uc0ac\uc6a9<\/li>\n<li><strong>\uc2e0\uc6a9\/\uc9c1\ubd88 \uce74\ub4dc<\/strong>\ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc\uac00 \uc6b0\uc138\ud558\uc9c0\ub9cc \ubaa8\ubc14\uc77c \uacb0\uc81c\ubcf4\ub2e4 \ubcf4\uae09\ub960\uc774 \ub0ae\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc<\/strong>BNPL(\uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uacb0\uc81c) \ubc0f QR\ucf54\ub4dc \uacb0\uc81c\uc758 \ubd80\uc0c1<\/li>\n<\/ul>\n<h2>2. \uaddc\uc815 \uc900\uc218 \uc694\uad6c \uc0ac\ud56d<\/h2>\n<p>\ud30c\ud0a4\uc2a4\ud0c4 \uc911\uc559\uc740\ud589(SBP) \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li>PSP(\uacb0\uc81c \uc11c\ube44\uc2a4 \uacf5\uae09\uc790) \ub77c\uc774\uc120\uc2a4 \ucde8\ub4dd \ub610\ub294 \ud604\uc9c0 \ub77c\uc774\uc120\uc2a4 \uc0ac\uc6a9\uc790\uc640\uc758 \uc81c\ud734<\/li>\n<li>PECR(\uac1c\uc778 \ub370\uc774\ud130 \ubcf4\ud638 \uaddc\uc815) \uc900\uc218<\/li>\n<li>AML\/KYC \uc720\ud6a8\uc131 \uac80\uc0ac \uc694\uac74(\ud30c\ud0a4\uc2a4\ud0c4 AML\ubc95, 2010)<\/li>\n<\/ul>\n<h2>API \ud1b5\ud569 \uc635\uc158<\/h2>\n<h3>a. \ub85c\uceec \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 API \ud1b5\ud569 \uc608\uc2dc(JazzCash)<\/h3>\n<pre><code class=\"language-javascript\">\/\/ JazzCash Node.js SDK \uc0d8\ud50c \ucf54\ub4dc<br>\r\nconst axios = require('axios');<br>\r\n<br>\r\n\ube44\ub3d9\uae30 \ud568\uc218 initiateJazzCashPayment(orderData) {<br>\r\n    const payload = {<br>\r\n        pp_Version: \"1.1\",<br>\r\n        pp_TxnType: \"MWALLET\",<br>\r\n        pp_Language: \"EN\".<br>\r\n        pp_MerchantID: process.env.JAZZCASH_MERCHANT_ID,<br>\r\n        pp_SubMerchantID: \"\",<br>\r\n        pp_Password: process.env.JAZZCASH_PASSWORD,<br>\r\n        pp_BankID: \"\",<br>\r\n        \/\/ ... \uae30\ud0c0 \ud544\uc694\ud55c \ub9e4\uac1c\ubcc0\uc218<br>\r\n        <br>\r\n    };<br>\r\n    <br>\r\n    \uc2dc\ub3c4 {<br>\r\n        const response = await axios.post(<br>\r\n            'https:\/\/sandbox.jazzcash.com.pk\/ApplicationAPI\/API\/Payment\/DoTransaction',<br>\r\n            \ud398\uc774\ub85c\ub4dc.<br>\r\n            { headers: { 'Content-Type': 'application\/json' } } }<br>\r\n        );<br>\r\n        <br>\r\n       \uc751\ub2f5.\ub370\uc774\ud130\ub97c \ubc18\ud658\ud569\ub2c8\ub2e4;<br>\r\n    } catch (error) {<br>\r\n       console.error(\"JazzCash \uacb0\uc81c \uc624\ub958:\", error);<br>\r\n       \uc624\ub958\ub97c \ubc1c\uc0dd\uc2dc\ud0b5\ub2c8\ub2e4;<br>\r\n    }<br>\r\n}<br>\r\n<\/code><\/pre>\n<h3>b. IBFT \uc740\ud589 \uc1a1\uae08 \uc2e4\ud589 \ud504\ub85c\uadf8\ub7a8<\/h3>\n<pre><code class=\"language-python\"># \ud30c\uc774\uc36c \uc758\uc0ac \ucf54\ub4dc - IBFT \ucc98\ub9ac \ud750\ub984 \uc608\uc81c <br>\r\ndef process_ibft_transfer(bank_details, amount).<br>\r\n    \"\"\"<br>\r\n    \uc740\ud589 \uac04 \uc989\uc2dc \uc774\uccb4 \ucc98\ub9ac<br>\r\n    <br>\r\n    \ub9e4\uac1c\ubcc0\uc218.<br>\r\n      bank_details - \ub515\uc154\ub108\ub9ac\uc5d0\ub294 \uacc4\uc88c \uc815\ubcf4, \uc9c0\uc810 \ucf54\ub4dc \ub4f1\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. <br>\r\n      \uae08\uc561 - \uc720\ub3d9 \uac70\ub798 \uae08\uc561<br>\r\n    <br>\r\n    \ubc18\ud658\ud569\ub2c8\ub2e4.<br>\r\n      \ub515\uc154\ub108\ub9ac\uc5d0\ub294 \ud2b8\ub79c\uc7ad\uc158 \uc0c1\ud0dc\uc640 \ucc38\uc870 \ubc88\ud638\uac00 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.  <br>\r\n    \"\"\"<br>\r\n    <br>\r\n    # SBP\uc5d0\uc11c \uc9c0\uc815\ud55c \ud45c\uc900 \ud544\ub4dc  <br>\r\n    ibft_payload = {<br>\r\n       \"channel_id\": \"WEB\", <br>\r\n       \"\ud2b8\ub79c\uc7ad\uc158_\uc720\ud615\": \"IBFT_OUTGOING\",<br>\r\n       \"\ubc1c\uc2e0\uc790_\uacc4\uc815\": \uc124\uc815.<br>\r\n       # ... \uae30\ud0c0 \ud544\uc218 \uc785\ub825 \ud56d\ubaa9<br>\r\n        <br>\r\n   }<br>\r\n   <br>\r\n   # PKNIC \uc778\uc99d \uc5d4\ub4dc\ud3ec\uc778\ud2b8  <br>\r\n   \uc751\ub2f5 = requests.post(<br>\r\n         'https:\/\/api.sbp.org.pk\/v2\/payments',<br>\r\n         json=IBFT_PAYLOAD.<br>\r\n         auth=(settings.PSP_API_KEY, settings.PSP_SECRET),<br>\r\n         verify='sbp_root_cert.pem' # SBP \uc81c\uacf5 \uc778\uc99d\uc11c<br>\r\n        <br>\r\n   )<br>\r\n   <br>\r\n   \uc751\ub2f5.\uc0c1\ud0dc_\ucf54\ub4dc == 202.<br>\r\n      \ubc18\ud658 {\"status\": \"\ucc98\ub9ac \uc911\",...}<br>\r\n      <br>\r\n   \ubc18\ud658 \ud578\ub4e4_\uc624\ub958_\uc751\ub2f5(\uc751\ub2f5)<br>\r\n<\/code><\/pre>\n<h2>UI\/UX \ucc38\uace0 \uc0ac\ud56d<\/h2>\n<p>\ud30c\ud0a4\uc2a4\ud0c4 \uc0ac\uc6a9\uc790\ub97c \uc704\ud574 \uc778\ud130\ud398\uc774\uc2a4\ub97c \ucd5c\uc801\ud654\ud560 \ub54c \uace0\ub824\ud574\uc57c \ud560 \uc0ac\ud56d\uc785\ub2c8\ub2e4:<\/p>\n<pre><code>[ ] UI \uc694\uc18c\uc5d0\ub294 \ud604\uc9c0 \uc5b8\uc5b4 \uc635\uc158(\uc6b0\ub974\ub450\uc5b4)\uc774 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<br>\r\n[ ] OTP \uc720\ud6a8\uc131 \uac80\uc0ac \ud504\ub85c\uc138\uc2a4\ub294 SBP\uc758 2\ub2e8\uacc4 \uc778\uc99d \uc694\uac74\uc5d0 \ub530\ub985\ub2c8\ub2e4.  <br>\r\n\uc7ac\uc988\uce90\uc2dc\/\uc774\uc9c0\ud30c\uc774\uc0ac \ub4f1 \uc8fc\uc694 \uc9c0\uac11\uc758 \ub208\uc5d0 \uc798 \ub744\ub294 \ub85c\uace0 [ ]\uac00 \ud45c\uc2dc\ub429\ub2c8\ub2e4. <br>\r\n[ ] IBFT \uc591\uc2dd\uc5d0\ub294 \ub2e4\uc74c \ud544\ub4dc\uac00 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<br>\r\n     \uc740\ud589 \ucf54\ub4dc(3\uc790\ub9ac)<br>\r\n     \uacc4\uc815 \uc81c\ubaa9(\uacc4\uc815 \uc774\ub984\uacfc \uc815\ud655\ud788 \uc77c\uce58)<br>\r\n     CNIC\/NICOP \ubc88\ud638(KYC\uc6a9) \u25b8 \uace0\uac1d\uc2e0\uc6d0\ud655\uc778 \ubc88\ud638<br>\r\n<\/code><\/pre>\n<h2>\uc6f9\ud6c5\uacfc \ubcf4\uc548 \uad00\ud589<\/h2>\n<pre><code class=\"language-java\">\/\/ \uc790\ubc14 \uc2a4\ud504\ub9c1 \ubd80\ud2b8 \ubcf4\uc548 \uc6f9\ud6c5 \ud578\ub4e4\ub7ec \uc608\uc81c <br>\r\n<br>\r\nRestController @RequestMapping(\"\/\uc6f9\ud6c5\")<br>\r\npublic \ud074\ub798\uc2a4 PaymentWebhookController {<br>\r\n<br>\r\n @PostMapping(\"\/jazzcash\") <br>\r\n \uacf5\uc6a9 \uc751\ub2f5 \uc5d4\ud2f0\ud2f0 \ud578\ub4e4 \uc7ac\uc988 \ucf5c\ubc31(<br>\r\n          \uc694\uccad \ud5e4\ub354(\"X-JC-\uc11c\uba85\") \ubb38\uc790\uc5f4 \uc11c\uba85\uc785\ub2c8\ub2e4,          <br>\r\n          @RequestBody String rawPayload ) throws SecurityException {<br>\r\n<br>\r\n           \/\/ 1\ub2e8\uacc4: HMAC \uc11c\uba85 \ud655\uc778           <br>\r\n           String computedSig = HmacUtils.hmacSha256Hex(<br>\r\n               apiSecret.getBytes(), rawPayload.getBytes());<br>\r\n               <br>\r\n           if(!computedSig.equals(signature)){              <br>\r\n              \uc0c8\ub85c\uc6b4 SecurityException(\"\uc798\ubabb\ub41c \uc11c\uba85\")\uc744 \ub358\uc9d1\ub2c8\ub2e4;<br>\r\n           }<br>\r\n<br>\r\n          \/\/ 2\ub2e8\uacc4: \ube44\uc988\ub2c8\uc2a4 \ub85c\uc9c1 \ucc98\ub9ac...<br>\r\n          <br>\r\n          \uc751\ub2f5 \uc5d4\ud2f0\ud2f0.ok().build()\ub97c \ubc18\ud658\ud569\ub2c8\ub2e4;<br>\r\n }<br>\r\n}     <br>\r\n<\/code><\/pre>\n<p>\uc911\uc694\ud55c \ubcf4\uc548 \uc870\uce58 \ubaa9\ub85d:<br \/>\n\u2714\ufe0f PCI DSS \ub808\ubca8 4 \uc774\uc0c1 \uc900\uc218(\uce74\ub4dc \ub370\uc774\ud130\uac00 \ud3ec\ud568\ub41c \uacbd\uc6b0)<br \/>\n\u2714\ufe0f TLS1.2+ \ud544\uc218 \uad6c\ud604(\uc774\uc804 SSL \ube44\ud65c\uc131\ud654)<br \/>\n\u2714\ufe0f IP \ud654\uc774\ud2b8\ub9ac\uc2a4\ud2b8 \uc561\uc138\uc2a4(\ud2b9\ud788 \ubc31\uc5d4\ub4dc \uad00\ub9ac \uc778\ud130\ud398\uc774\uc2a4\uc758 \uacbd\uc6b0)<\/p>\n<p>\ud14c\uc2a4\ud2b8 \uad8c\uc7a5 \uc0ac\ud56d:<\/p>\n<table>\n<thead>\n<tr>\n<th>\ud14c\uc2a4\ud2b8 \uc720\ud615<\/th>\n<th>\ub3c4\uad6c \uad8c\uc7a5 \uc0ac\ud56d<\/th>\n<th>\uc8fc\uc694 \uc810\uac80 \ud56d\ubaa9<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc0cc\ub4dc\ubc15\uc2a4 \ud14c\uc2a4\ud2b8<\/td>\n<td>Postman\/JMeter<\/td>\n<td>\uc624\ub958 \ucf54\ub4dc \ub9e4\ud551 \uc815\ud655\uc131<\/td>\n<\/tr>\n<tr>\n<td>\ubd80\ud558 \ud14c\uc2a4\ud2b8<\/td>\n<td>Locust.io<\/td>\n<td>QPS\u226550 TPS \ud53c\ud06c \ucc98\ub9ac \uc131\ub2a5<\/td>\n<\/tr>\n<tr>\n<td>\uce68\ud22c \ud14c\uc2a4\ud2b8<\/td>\n<td>OWASP ZAP\/\ubc84\ud504\uc2a4\uc704\ud2b8 \ud504\ub85c<\/td>\n<td>SQLi\/XSS \ubcf4\ud638 \ud6a8\uacfc<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>SBP\uc5d0\uc11c \uc694\uad6c\ud558\ub294 \uc138 \uac00\uc9c0 \uc778\uc99d \ub808\ubca8 \uc911 \uccab \ubc88\uc9f8 \ub808\ubca8 \uc774\uc0c1\uc744 \uc644\ub8cc\ud574\uc57c \ub77c\uc774\ube0c\ub97c \uc2dc\uc791\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h1>\ud30c\ud0a4\uc2a4\ud0c4\uc5d0\uc11c \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud558\ub294 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uad6c\ucd95: \uace0\uae09 \uac1c\ubc1c\uc790 \uac00\uc774\ub4dc(\uacc4\uc18d)<\/h1>\n<h2>3. \ud604\uc9c0\ud654\ub41c \uacb0\uc81c \uc218\ub2e8\uc758 \uc2ec\uce35 \ud1b5\ud569<\/h2>\n<h3>a. EasyPaisa \ubaa8\ubc14\uc77c \uc9c0\uac11 \ud1b5\ud569 \ud544\uc218 \uc0ac\ud56d<\/h3>\n<pre><code class=\"language-php\">\/\/ PHP \uc0d8\ud50c - EasyPaisa \ud154\ub808\ub178\uc5b4 \uc740\ud589 API \ud638\ucd9c<br>\r\n$easyPaisaConfig = [<br>\r\n    'store_id' =&gt; env('EASYPAISA_STORE_ID'),<br>\r\n    'hash_key' =&gt; env('EASYPAISA_HASH_KEY'),<br>\r\n    'post_url' =&gt; env('EASYPAISA_POST_URL'), \/\/\ud504\ub85c\ub355\uc158 \ud658\uacbd\uc740 \ub2e4\ub985\ub2c8\ub2e4.<br>\r\n];<br>\r\n<br>\r\n\ud568\uc218 generateEasyPaisaHash($params) {<br>\r\n    ksort($params).<br>\r\n    $concatenated = implode('&amp;', array_map(<br>\r\n        fn ($k, $v) =&gt; \"$k=$v\", <br>\r\n        array_keys($params)\ub97c \uc0ac\uc6a9\ud558\uba74 <br>\r\n        array_values($params)<br>\r\n    ));<br>\r\n    \ubc18\ud658 \ud574\uc2dc_hmac('sha256', $concatenated, $easyPaisaConfig['hash_key']);<br>\r\n}<br>\r\n<br>\r\n\/\/ \uacb0\uc81c \uc694\uccad\uc744 \uc2dc\uc791\ud558\ub294 \uc608<br>\r\n$paymentData = [<br>\r\n    '\uae08\uc561' =&gt; 1500.00,<br>\r\n    'orderId' =&gt; uniqid('EP'),<br>\r\n    'mobileAccountNo' =&gt; '+923001234567', \/\/\ud30c\ud0a4\uc2a4\ud0c4 \uc22b\uc790 \ud615\uc2dd\uc774\uc5b4\uc57c \ud569\ub2c8\ub2e4.<br>\r\n];<br>\r\n<\/code><\/pre>\n<p><strong>\uc8fc\uc694 \uac80\uc99d \ud3ec\uc778\ud2b8<\/strong>::<\/p>\n<ul>\n<li>MSISDN \ubc88\ud638 \ud615\uc2dd \ud655\uc778(+92\ub85c \uc2dc\uc791)<\/li>\n<li>PKR \uae08\uc561 \ud55c\ub3c4(\uc77c\ubc18\uc801\uc73c\ub85c \ub2e8\uc77c \uac70\ub798\uc5d0 \ub300\ud574 50,000\ub8e8\ud53c \ud55c\ub3c4)<\/li>\n<li>\uc790\ub3d9 \ub9cc\ub8cc \uc2dc\uac04 \uc124\uc815(\uae30\ubcf8\uac12 30\ubd84)<\/li>\n<\/ul>\n<h3>b. IBAN \uc740\ud589 \uc1a1\uae08 \ucc98\ub9ac \ud750\ub984<\/h3>\n<pre><code>IBAN \ucc98\ub9ac \uc21c\uc11c\ub3c4:<br>\r\n<br>\r\n[\ud310\ub9e4\uc790 \uc2dc\uc2a4\ud15c] \u2192 [\uac00\uc0c1 IBAN \uc0dd\uc131] \u2192 [\uc0ac\uc6a9\uc790 \uacb0\uc81c]<br>\r\n   \u2193 \u2191<br>\r\n[\ud3f4\ub9c1 \uc0c1\ud0dc API] \u2190 [PSP \uac8c\uc774\ud2b8\uc6e8\uc774] \u2190 [\uc790\uae08 \ub3c4\ucc29]<br>\r\n<\/code><\/pre>\n<pre><code class=\"language-go\">\/\/ Go \uc5b8\uc5b4\ub85c \uad6c\ud604\ub41c IBAN \uc0c1\ud0dc \ud655\uc778\uc744 \uc704\ud55c \uc6cc\ucee4 \ud480 \ud328\ud134 \uc608\uc2dc <br>\r\nfunc startIbanPolling(orders []string) {<br>\r\n    workerCount := 3 \/\/ SBP\ub294 \ucd08\ub2f9 5\uac74 \uc774\ud558\uc758 \ucffc\ub9ac\ub97c \uad8c\uc7a5\ud569\ub2c8\ub2e4.<br>\r\n    <br>\r\n    var wg sync.WaitGroup\t<br>\r\n    workChan := make(chan \ubb38\uc790\uc5f4)<br>\r\n    <br>\r\n    for i := 0; i&lt; workerCount; i++{{<br>\r\n        go func() {\t\t<br>\r\n            for iban := \ubc94\uc704 workChan {<br>\r\n                status := queryIbanStatus(iban)<br>\r\n                \uc5c5\ub370\uc774\ud2b8 \uacb0\uc81c(\uc0c1\ud0dc)<br>\r\n            }<br>\r\n        }()<br>\r\n    }<br>\r\n    <br>\r\n    FOR _, O:= \ubc94\uc704 \uc8fc\ubb38{<br>\r\n        workChan &lt;- o.OrderIban  <br>\r\n    }<br>\r\n    <br>\r\n    close(workChan)<br>\r\n    wg.Wait()<br>\r\n} <br>\r\n<br>\r\nfunc queryIbanStatus(iban \ubb38\uc790\uc5f4) PaymentStatus{...}<br>\r\n<\/code><\/pre>\n<h2>4. SBP \uaddc\uc815 \uc900\uc218 \uac1c\uc120 \uc0ac\ud56d<\/h2>\n<h3>a. AML \uc120\ubcc4 \uccb4\ud06c\ub9ac\uc2a4\ud2b8 \uad6c\ud604<\/h3>\n<table>\n<thead>\n<tr>\n<th>\ud544\ub4dc<\/th>\n<th>\uc720\ud6a8\uc131 \uac80\uc0ac \uaddc\uce59<\/th>\n<th>\ub370\uc774\ud130 \uc18c\uc2a4<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>CNIC \ubc88\ud638<\/td>\n<td>13\uc790\ub9ac, \ub9c8\uc9c0\ub9c9 1\uc790\ub9ac \uccb4\ud06c \uc22b\uc790<\/td>\n<td>NADRA \uacf5\uc2dd API<\/td>\n<\/tr>\n<tr>\n<td>\uacc4\uc815 \uc774\ub984<\/td>\n<td>\uc804\uccb4 \uc774\ub984 \uc77c\uce58, \uacf5\ubc31 \ucc28\uc774 \ud5c8\uc6a9<\/td>\n<td>\ud575\uc2ec \ubc45\ud0b9 \uc2dc\uc2a4\ud15c<\/td>\n<\/tr>\n<tr>\n<td>\ud2b8\ub79c\uc7ad\uc158 \ubaa8\ub2c8\ud130\ub9c1 \uc784\uacc4\uac12 \uad6c\uc131 \uc608\uc81c(YAML).<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\"`yaml<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>aml_rules.<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\uc758\uc2ec\uc2a4\ub7ec\uc6b4_\uae08\uc561: &gt;=500000 PKR # \uc57d 1800 USD<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\uc8fc\ud30c\uc218_\uacbd\uace0: \uc2dc\uac04\ub2f9 5\ud68c \uc774\uc0c1 \ub3d9\uc77c IP \uc791\ub3d9<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>country_risk: [\"AFG\", \"IRN\"] # \uace0\uc704\ud5d8 \uad6d\uac00 \ucf54\ub4dc<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uc2ec\uc0ac_\uc81c\uacf5\uc790.<br \/>\n\uae30\ubcf8: \"https:\/\/sbp-screening.pak.gov\"<br \/>\n\ud3f4\ubc31: \"local_db_cache\"<\/p>\n<pre><code>\r\n b. PECR \ub370\uc774\ud130 \ubcf4\ud638 \uad6c\ud604 \ud504\ub85c\uadf8\ub7a8<br>\r\n<br>\r\n\uc554\ud638\ud654\ub41c \uc2a4\ud1a0\ub9ac\uc9c0 \uc694\uad6c \uc0ac\ud56d:<br>\r\n1. \ubaa8\ub4e0 \uac1c\uc778 \uc2dd\ubcc4 \uc815\ubcf4(PII)\uc758 AES-256 \uc554\ud638\ud654<br>\r\n2. CNIC \ubc88\ud638\ub294 \ubcc4\ub3c4\uc758 \uc18c\uae08\uc5d0 \uc808\uc778 \ud574\uc2dc\uc5d0 \uc800\uc7a5\ud574\uc57c \ud569\ub2c8\ub2e4. <br>\r\n\ub85c\uadf8 \ud0c8\uac10\uc791\uc744 \uc704\ud55c \uc815\uaddc\uc2dd\uc758 \uc608 3:<br>\r\n````regexp\/(\\b\\d{5})(\\d{8})(\\b)\/ \u2794 $1$3\/g````<br>\r\n   <br>\r\n 5. \uc131\ub2a5 \ucd5c\uc801\ud654 \uc804\ub7b5 <br>\r\n<br>\r\n\ud83d\udcca \uc5f0\uacb0 \ud480 \uad6c\uc131 \ube44\uad50 \ud45c<br>\r\n<br>\r\n| \uae30\uc874 \uc811\uadfc \ubc29\uc2dd | \ucd5c\uc801\ud654\ub41c \uc194\ub8e8\uc158 |<br>\r\n|---|---|---|<br>\r\n\ucd5c\ub300 \uc5f0\uacb0 \uc218 |10 |50(\uc790\ub3d9 \ud655\uc7a5)  <br>\r\n\uc720\ud734 \uc2dc\uac04 \ucd08\uacfc | 60\ucd08 | 300\ucd08(\ud30c\ud0a4\uc2a4\ud0c4\uc758 \ub124\ud2b8\uc6cc\ud06c \ubcc0\ub3d9\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574)  <br>\r\nSSL \ud578\ub4dc\uc170\uc774\ud06c | \uc804\uccb4 \ud504\ub85c\uc138\uc2a4 | \uc138\uc158 \uc7ac\uc0ac\uc6a9 + TLS \uc798\ubabb\ub41c \uc2dc\uc791  <br>\r\n<br>\r\n\ud83d\udd27 \uc2e4\uc6a9\uc801\uc778 \ud29c\ub2dd \ud301<br>\r\n'''nginx# PK \uacb0\uc81c\ub97c \uc704\ud55c Nginx \ucd5c\uc801\ud654 \uc2a4\ub2c8\ud3ab <br>\r\n\uc5c5\uc2a4\ud2b8\ub9bc \uacb0\uc81c_\uac8c\uc774\ud2b8\uc6e8\uc774 {    <br>\r\n \uc601\uc5ed pk_gateway64M.<br>\r\n \uc11c\ubc84 jazzcash.pk \ud574\uacb0 \ud0b5\uc5bc\ub77c\uc774\ube0c=32;<br>\r\n \ucd5c\uc18c_conn; #\ub294 \ubd88\uade0\ud615 PK \uce90\ub9ac\uc5b4 \ub124\ud2b8\uc6cc\ud06c\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4. <br>\r\n <br>\r\n KEEPALIVE_TIMEOUT 75\ucd08.<br>\r\n keepalive_requests1000.<br>\r\n} <br>\r\n<br>\r\n\uc11c\ubc84 {    <br>\r\n listen443 quic \uc7ac\uc0ac\uc6a9 \ubcf4\uace0\uc11c;# HTTP\/3 \uc9c0\uc6d0     <br>\r\n ssl_buffer_size8k;# RTT \uc2dc\uac04 \ub2e8\ucd95      <br>\r\n ...     <br>\r\n \uc704\uce58 \/api\/v2\/payments {        <br>\r\n limit_req \uc601\uc5ed=apilimit \ubc84\uc2a4\ud2b8=20 \ub178\ub370\uc774; # \uc2a4\uc640\uc774\ud504 \ubc29\uc9c0 \uc124\uc815       <br>\r\n }    <br>\r\n}   <br>\r\n<\/code><\/pre>\n<p>6. \uc7ac\ub09c \ub300\ube44 \ubc0f \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c<\/p>\n<p>\ud83d\udee1\ufe0f <strong>\uba40\ud2f0 \ub77c\uc774\ube0c \uc544\ud0a4\ud14d\ucc98 \uc124\uacc4 \uc6d0\uce59<\/strong><\/p>\n<pre><code>\uc774\uc2ac\ub77c\ub9c8\ubc14\ub4dc \uba54\uc778 DC \u2194\ufe0e \uce74\ub77c\uce58 \ub300\uccb4 DC  <br>\r\n \u251c\u2500 MySQL \uadf8\ub8f9 \ubcf5\uc81c(\uc9c0\uc5ed \uac04 \ub3d9\uae30\ud654 \uc9c0\uc5f0 \uc2dc\uac04 &lt;800ms)      <br>\r\n Redis CRDT \ub370\uc774\ud130 \uad6c\uc870 \ucda9\ub3cc \ud574\uacb0       <br>\r\n \u2514\u2500 \uc804\uc6a9 VPN \ud68c\uc120 + PTCL \ubc31\uc5c5 \ud68c\uc120 \ub4c0\uc5bc \ucc44\ub110         <br>\r\n<\/code><\/pre>\n<p>\ud83d\udcc8 \ud504\ub85c\uba54\ud14c\uc6b0\uc2a4 \ubaa8\ub2c8\ud130\ub9c1 \uc8fc\uc694 \uc9c0\ud45c \uc54c\ub9bc \uaddc\uce59 \uc0d8\ud50c.<br \/>\n<code>yaml alert.rulesgroups:-name:pkr_payment_failures rules:-alert: \"HighFailureRate\" expr:| sum(rate(payment_failed_total{gateway_type=\" jazzcash\"}[5m])) by (merchant_id)\/sum(rate(payment_attempted_total[5m])) by (merchant_id))&gt;0. 15for :10mlabels :\uc2ec\uac01\ub3c4:\"critical\" annotations :summary :description : \"\uc2e4\ud328\uc728\uc774 \ub192\uc740 \ud310\ub9e4\uc790 {{labels merchant_id }}\" \uc124\uba85 : \"JazzCash\uc758 \uc2e4\ud328\uc728\uc740 {{value}}%\uc785\ub2c8\ub2e4.\" <\/code><\/p>\n<hr>\n<p>\uc81c\uc548\ub41c \ub2e4\uc74c \ub2e8\uacc4: \u25b6\ufe0f SBP \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd \uc811\uc18d \ud14c\uc2a4\ud2b8 \uba3c\uc800 \uc644\ub8cc \u25b6\ufe0f \uc57d\uad00\uc5d0 \ub300\ud55c \ud604\uc9c0 \ubc95\ub960 \uc790\ubb38\uc758 \uaddc\uc815 \uc900\uc218 \uac80\ud1a0 \uc758\uacac \ud655\ubcf4 \u25b6 PTCL, Zong \ub4f1 \uc8fc\uc694 ISP\uc640 \uc2e4\uc81c \ub124\ud2b8\uc6cc\ud06c \ub2e4\uc774\uc5bc\uc778 \ud14c\uc2a4\ud2b8 \uc900\ube44\ud558\uae30<\/p>","protected":false},"excerpt":{"rendered":"<p>\ud30c\ud0a4\uc2a4\ud0c4\uc5d0\uc11c \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud558\ub294 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uad6c\ucd95: \uac1c\ubc1c\uc790 \uac00\uc774\ub4dc 1. \ud30c\ud0a4\uc2a4\ud0c4\uc758 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc774\ud574 1.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[37],"tags":[],"class_list":["post-3432","post","type-post","status-publish","format-standard","hentry","category-37"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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