HSM

📖 Bản tiếng Việt (Vietnamese Edition) Series Navigation: This is Part 6 of the Core Banking Systems Architecture Masterclass. For interbank rails, read Part 5: ISO 20022 Payment Gateways. FAPI 2.0 Security: DPoP, mTLS & Sender-Constrained Tokens Answer-first: Financial-Grade API (FAPI) 2.0 establishes the zero-trust security baseline for open banking and payment initiation services by completely eliminating bearer token vulnerabilities. By mandating sender-constrained tokens via Demonstrating Proof-of-Possession (DPoP, RFC 9449) or mutual TLS certificate binding (RFC 8705), alongside Pushed Authorization Requests (PAR) and Hardware Security Module (HSM) attestation, financial platforms ensure that intercepted access tokens cannot be replayed by adversaries, guaranteeing cryptographically provable non-repudiation across all external and internal API interactions. ...

📖 Bản tiếng Việt (Vietnamese Edition) Prerequisite: Read Part 5: ISO 8583 & ISO 20022 Financial Standards for payment switch mechanics. Part 6: Core Banking Security, PCI-DSS & Audit Trails Answer-first: Core banking security mandates a defense-in-depth zero-trust topology anchored by tamper-resistant Hardware Security Modules (HSM) for cryptographic key lifecycles, ANSI X9.8 PIN block translations, envelope field-level encryption (AES-256-GCM) for sensitive customer PII, and cryptographically hashed append-only audit trails. Enforcing strict compliance with PCI-DSS v4.0.1 and central bank cybersecurity mandates (such as SBV Circular 09/2020/TT-NHNN) ensures continuous operational resilience against insider threats and sophisticated external cyber attacks. ...