支付閘道整合

osop_version: "1.0"
id: "payment-gateway-integration"
name:"支付閘道整合"
description:"商家申請 → KYC/AML → 技術整合 → 認證測試 → 正式上線 → 交易監控。"

nodes:
  - id: "merchant_apply"
    type: "human"
    subtype: "input"
    name: "商家申請"
    description: "提供商業類型、預估交易量、銀行資料及實際受益人資訊。"

  - id: "kyc_aml"
    type: "system"
    name: "KYC/AML 審查"
    description: "身份驗證、制裁名單篩查、政治公眾人物查核及風險評分。"
    security:
      risk_level: "high"

  - id: "tech_integration"
    type: "api"
    subtype: "rest"
    name: "技術整合"
    description: "商家整合 SDK、設定 webhook 及建立金鑰化機制。"
    timeout_sec: 1209600

  - id: "cert_testing"
    type: "cicd"
    subtype: "test"
    name: "認證測試"
    description: "端對端測試交易：授權、請款、撤銷、退款及 3DS 驗證。"

  - id: "go_live"
    type: "human"
    subtype: "review"
    name: "正式上線核准"
    description: "法規遵循及工程團隊完成正式環境就緒確認。"
    security:
      approval_gate: true

  - id: "txn_monitoring"
    type: "system"
    name: "交易監控"
    description: "即時詐欺評分、拒付率追蹤及速度限制管控。"

edges:
  - from: "merchant_apply"
    to: "kyc_aml"
    mode: "sequential"
  - from: "kyc_aml"
    to: "tech_integration"
    mode: "conditional"
    when: "kyc.risk_score < threshold"
  - from: "tech_integration"
    to: "cert_testing"
    mode: "sequential"
  - from: "cert_testing"
    to: "go_live"
    mode: "conditional"
    when: "tests.all_passed == true"
  - from: "go_live"
    to: "txn_monitoring"
    mode: "sequential"
  - from: "cert_testing"
    to: "tech_integration"
    mode: "fallback"
    label: "Certification failed, fix integration"