Digital Payment Systems: Cryptography, Banking Protocols, and Blockchain Internals

This book targets senior software engineers building, integrating, or securing payment systems. It skips the basics — you already know what TLS is and how HTTP works — and dives into the cryptographic protocols, settlement mechanics, fraud detection architectures, and distributed ledger designs that underpin every transaction moving money across the planet.

Every chapter connects the theory to production reality: how EMV cryptograms are generated on a chip, why RTGS systems make different consistency tradeoffs than DNS systems, how payment channels achieve throughput that base-layer blockchains cannot, and what a reconciliation engine looks like when it processes millions of settlement records daily.

Whether you're building a payment gateway, integrating with banking APIs, designing fraud detection pipelines, or evaluating blockchain-based settlement alternatives, this book gives you the engineering depth to make informed architectural decisions.

This book was generated using AI assistance.