Papers by Pavan Kumar Joshi
Journal of Technology and Systems, Oct 17, 2024
Purpose: The paper aims to highlight the importance of PCI-DSS compliance for organizations proce... more Purpose: The paper aims to highlight the importance of PCI-DSS compliance for organizations processing card payments, particularly focusing on payment gateways as essential protectors of customer data. It seeks to outline a comprehensive strategy for achieving PCI-DSS compliance within payment gateways, ensuring the safeguarding of cardholder data and minimizing transaction risks.
Methodology: The study begins by explaining the significance of PCI-DSS compliance and its twelve foundational principles. It then delves into the technical, organizational, and operational aspects necessary for managing and implementing compliance. This includes an in-depth exploration of the processes involved in assessment, implementation, and monitoring, as well as the technological components like tokenization, encryption, and secure networks. A comparative analysis is conducted, examining payment gateway violations before and after PCI-DSS compliance, in order to empirically support the effectiveness of the compliance strategy.
Findings: The findings in the study reveals that achieving PCI-DSS compliance significantly reduces the risk of data breaches and ensures better protection of customer information. The comparative assessment demonstrates a clear reduction in payment gateway violations post-implementation of the PCI-DSS standards. Additionally, it shows that cloud service providers and third-party vendors play a crucial role in maintaining compliance across the entire transaction value chain, further enhancing data security.
Unique Contribution to Theory, Practice, and Policy: The paper contributes to the understanding of how PCI-DSS compliance directly correlates with reducing data breaches in payment gateways and offers a practical approach for implementing compliance strategies. It offers a roadmap for businesses to assess, implement, and monitor PCI-DSS compliance, emphasizing the need for continuous risk management, especially in dynamic regulatory and technological environments. The paper advocates for ongoing compliance efforts, arguing that PCI-DSS is not a one-time exercise but a continuous, evolving requirement. It stresses the importance of proactive risk management in response to innovations and threats in the payment industry.
International Journal of Research In Computer Applications and Information Technology (IJRCAIT), 2024
Due to the growing popularity of e-commerce and other digital forms of payment systems, there is ... more Due to the growing popularity of e-commerce and other digital forms of payment systems, there is a paramount requirement for web application frameworks that can offer high levels of security while at the same time exhibiting scalability. When it comes to the frameworks for web development using Java there are a countless number of them. However, the two most prominent and rich in features are Spring Boot and Play Framework. This research work proceeds with a proper comparison of the two frameworks in detail with special emphasis on the use of these frameworks in building payment web applications since the targeted frameworks are well suited for this type of application since performance, scalability, security, and speed of development are critical success factors in building payment web applications. Through this process of analyzing these frameworks according to these criteria, such as general and specific performance abilities with different loads, scalability, intrinsic and added security measures, the complexity of development with the frameworks and the availability of support from the community, respectively, the goal of the study is to break the comparisons down to give a wholesome understanding of each of the frameworks. This analysis is based on the main experiments of payment applications, which aim to reflect real-life processes, so the author reveals practical results to demonstrate how each of the frameworks works in practice. Thus, the findings revealed the promising features of Spring Boot and some of the challenges of its utilization for the creation of payment applications to provide developers and organizations with a comprehensive guide to choosing the most suitable framework for each specific application. Finally, this research work will help to fill the gap in knowledge and practice in relation to the construction of payment web applications that offer necessary performance, reliability, and security.
Journal of Artificial Intelligence & Cloud Computing, 2023
The usage of cloud solutions in financial systems has opened up advanced solutions with scalable ... more The usage of cloud solutions in financial systems has opened up advanced solutions with scalable and efficient technologies. Merchants cannot afford any form of disruption when it comes to receiving payments; hence, payment gateways should exhibit high availability, security and performance. Other such demands have grown to be addressed by Azure Functions, which is a serverless computing platform. Due to its ability to scale resources and minimize operational costs, implementing Azure Functions in today's payment gateways offers the best solution. The rest of this paper focuses on an elaborate discussion of Azure Functions with strategic implications for payment gateways. It outlines elements such as serverless architecture, eventing model, and how you can connect with other Azure services, some of which include data storage, API management, and monitoring tools. Also, the paper looks at security features of Azure, for instance, PCI DSS compliance for monetary systems that deal with transaction information. A side-by-side analysis of the old monolithic-like payment gateway services and the newer Azure Functions-based version shows how much cheaper, easily scalable, and easy to implement using Azure Functions, even when compared to other comparable Microsoft products. To do this, the study dwells on cold start challenges and comes up with various features that Azure Functions has that can help bring down latency, such as the Azure Premium plan and direct virtual network integration. In this study, case studies are also provided, where examples of payment gateways using Azure Functions and implementation of such systems, including such issues as deployment topologies, architectural designs, and performance comparison, are provided as well. In addition, the research explores how functions available on Azure improve the robustness of the system by providing failover, redundancy, and scaling up or down automatically. The final section of the paper will include future trends in the payment gateway, which includes the integration of AI for the detection of fraud and the incorporation of blockchain, which can be effectively developed with the help of Azure Functions as tools for the enhancement of payment gateway. Due to the serverless architecture, financial organizations have the possibility to minimize the level of difficulty, which includes the traditional systems.
Journal of Artificial Intelligence & Cloud Computing, 2022
Key management is a critical aspect of the master-session key implementation. The master key is s... more Key management is a critical aspect of the master-session key implementation. The master key is securely generated and stored in a hardware security module (HSM). The merchant acquirer's HSM is responsible for generating session keys based on the master key. Session keys are unique for a set of transactions, ensuring that even if a session key is compromised, the impact is limited.
ESP Journal of Engineering & Technology Advancements, 2021
The payment industry has evolved a lot in the tech aspect. Free-For-All features a CI/CD culture ... more The payment industry has evolved a lot in the tech aspect. Free-For-All features a CI/CD culture because of cloud-computing integration intended to improve the CI/CD pipeline for payment gateways. Two cloud platforms, Azure and AWS, provide rich CI/CD services that include numerous automation tools, which enable payment gateways to provide high availability, security, and scalability. This paper considers the Azure and AWS CI/CD solutions for the automated deployment of payment gateways. One of the issues that contribute to the decision is the integration of tools, security, deployment options, and cost. A comparison is made between Azure Pipelines and AWS CodePipeline, and some recommendations for formulating the payment gateway automation are provided to meet compliance, security, and operational excellence needs. Lastly, we will give the advantages and disadvantages of the respective platforms and explain how to construct a single strategy for CI/CD for payment gateways.
International Journal of Science and Research (IJSR), 2021
The payment industry has undergone successful innovation in the last decade due to technological ... more The payment industry has undergone successful innovation in the last decade due to technological change and other drivers that require efficiency in payment systems. Some of the most effective tools currently being used to create such systems include Java and Spring Boot, which are powerful frameworks allowing developers to create superb payment solutions that can undergo intense stress without compromising on flexibility. This work introduces some aspects of the complete lifecycle of payment systems developed with Java and Spring Boot, including the considerations from the conceptual environment to large-scale production, including issues of scalability, security, transactional processes, and interfaces with third parties. Payment systems in the twenty-first century are conducted at a very large scale and thus require the highest optimization and Java because of its feature of platform independence and Spring Boot because of its features of building microservices are best suited for building these systems. Some fundamental design issues deliberated comprise database control, how transactions are dealt with at the same time, protection of the payment modes, and sanction of financial laws. Since Java has various libraries and Spring Boot has numerous built-in facilities, developers can save much time and release solutions into markets securely. However, it should be noted that core concerns include the problem of transactional integrity and protection against different types of threats, including fraud or access of unauthorized users. This paper outlines key problems and provides a detailed step-by-step guide to the methodology for constructing payment systems, from requirement analysis to testing and implementation. Using examples of real companies, we show how the described technologies are used in practice and in which industriese-commerce, digital wallets, and subscription services. At last, the paper considers further developments of the topic: the application of AI to improve fraud prevention and blockchain to increase transparency of payments; and the constant advancements in microservices. The conclusion highlights the idea that the payment system is a continuous process through the help of tools Java and Spring Boot, as these tools would remain important in dealing with new challenges that crop up in the industry.
International Journal of Core Engineering & Management, 2020
The rapid growth of digital transactions and e-commerce has elevated the need for secure, scalabl... more The rapid growth of digital transactions and e-commerce has elevated the need for secure, scalable, and efficient payment platforms. Java, a widely used programming language, has proven to be a powerful tool in the development of these systems, offering features that promote scalability, security, and cross-platform compatibility. This article explores the role of Java in building next-generation payment platforms, highlighting its strengths in enterprise-level development, security features, integration with cloud computing, and its ecosystem of frameworks and libraries. Using real-world use cases and empirical data, this paper demonstrates the power of Java in constructing robust payment systems that handle millions of transactions per second.
International Journal of Core Engineering & Management, 2019
As modern enterprises increasingly turn to cloud-native solutions to meet scalability and agility... more As modern enterprises increasingly turn to cloud-native solutions to meet scalability and agility demands, traditional monolithic architectures have given way to microservices-an approach that breaks applications into independently deployable services. Microservices improve development speed and scalability but also introduce challenges in managing service-to-service communication, security, and operational complexity. API gateways play a critical role in addressing these challenges by acting as a centralized entry point for traffic routing, load balancing, security enforcement, and rate limiting. This article explores the interplay between microservices and API gateways, demonstrating how they together form the foundation of modern application platforms. Real-world case studies and performance data illustrate the impact of these technologies on scalability, security, and operational efficiency, showcasing their importance in building robust, cloud-native applications.
International Journal of Science and Research (IJSR), 2020
In the era of pervasive computing, the demand for high-quality web applications has surged, promp... more In the era of pervasive computing, the demand for high-quality web applications has surged, prompting developers to adopt robust frameworks and programming languages. This paper explores the significance of Java in web application development, emphasizing its reliability, portability, and object-oriented nature. By leveraging Java's features, developers can create scalable applications that meet evolving customer and business requirements. We discuss the architectural principles of web applications, as an example focusing on the performance implications of adopting a 3-Tier architecture using Java technologies such as Servlets, JSP, and AJAX. Furthermore, we analyze factors affecting web application performance, including user experience, server capabilities, network conditions, and database efficiency. The insights provided in this paper aim to guide developers in optimizing web applications, ensuring enhanced user satisfaction and operational effectiveness.
International Journal of Science and Research (IJSR), 2018
Dynamic Application Security Testing (DAST) plays a crucial role in identifying vulnerabilities i... more Dynamic Application Security Testing (DAST) plays a crucial role in identifying vulnerabilities in payment applications during their operational phase. As digital payment platforms evolve, security has become an ever-increasing priority, given the rising complexity of cyber threats. While payment applications provide essential services to users in the financial sector, their widespread accessibility makes them prime targets for cyberattacks. This paper explores the security challenges faced by payment applications and highlights the significance of DAST as an essential method for detecting and mitigating these vulnerabilities. The paper presents a comprehensive review of DAST methodologies, including application mapping, security scanning, vulnerability detection, and exploitation analysis, which help developers enhance the security of payment systems. Specific security risks, such as injection attacks, cross-site scripting (XSS), Insecure Direct Object References (IDOR), and misconfigurations, are examined to illustrate how DAST tools effectively detect these threats. Furthermore, the paper provides an in-depth evaluation of the most widely used DAST tools, analyzing their functionality and effectiveness in safeguarding financial data. By emphasizing the importance of integrating security testing into the development life cycle of payment applications, this paper aims to minimize customer risks and reinforce trust in digital payment systems. Ultimately, this study contributes to improving the overall security, reliability, and trustworthiness of payment applications, ensuring safer and more secure transactions for users.
International Journal of Science and Research (IJSR), 2024
This paper explores the implementation of the Advanced Encryption Standard (AES) with Derived Un... more This paper explores the implementation of the Advanced Encryption Standard (AES) with Derived Unique Key Per Transaction
(DUKPT) in Software Point of Sale (SoftPOS) systems. The rapid advancement of digital payment technologies necessitates robust and
efficient encryption methods to ensure secure transactions. By integrating AES DUKPT, SoftPOS systems can achieve enhanced security,
scalability, and compliance with industry standards. This paper delves into the architecture, key management, encryption processes, and
performance evaluation of AES DUKPT within SoftPOS environments.
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Papers by Pavan Kumar Joshi
Methodology: The study begins by explaining the significance of PCI-DSS compliance and its twelve foundational principles. It then delves into the technical, organizational, and operational aspects necessary for managing and implementing compliance. This includes an in-depth exploration of the processes involved in assessment, implementation, and monitoring, as well as the technological components like tokenization, encryption, and secure networks. A comparative analysis is conducted, examining payment gateway violations before and after PCI-DSS compliance, in order to empirically support the effectiveness of the compliance strategy.
Findings: The findings in the study reveals that achieving PCI-DSS compliance significantly reduces the risk of data breaches and ensures better protection of customer information. The comparative assessment demonstrates a clear reduction in payment gateway violations post-implementation of the PCI-DSS standards. Additionally, it shows that cloud service providers and third-party vendors play a crucial role in maintaining compliance across the entire transaction value chain, further enhancing data security.
Unique Contribution to Theory, Practice, and Policy: The paper contributes to the understanding of how PCI-DSS compliance directly correlates with reducing data breaches in payment gateways and offers a practical approach for implementing compliance strategies. It offers a roadmap for businesses to assess, implement, and monitor PCI-DSS compliance, emphasizing the need for continuous risk management, especially in dynamic regulatory and technological environments. The paper advocates for ongoing compliance efforts, arguing that PCI-DSS is not a one-time exercise but a continuous, evolving requirement. It stresses the importance of proactive risk management in response to innovations and threats in the payment industry.
(DUKPT) in Software Point of Sale (SoftPOS) systems. The rapid advancement of digital payment technologies necessitates robust and
efficient encryption methods to ensure secure transactions. By integrating AES DUKPT, SoftPOS systems can achieve enhanced security,
scalability, and compliance with industry standards. This paper delves into the architecture, key management, encryption processes, and
performance evaluation of AES DUKPT within SoftPOS environments.