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Abstrak :
[ABSTRAK
PT Bank ABC Tbk sebagai salah satu bank yang bergerak di industri keuangan dituntut untuk menyesuaikan kebutuhan industri mengenai pengamanan transaksi kartu kredit. Bank Indonesia sebagai regulator mewajibkan setiap bank untuk mengimplementasikan PIN pada transaksi kartu kredit di Mesin EDC. Proses implementasi PIN memerlukan penyesuaian yang meliputi perubahan pada kartu, EDC dan back end system. Penyesuaian yang dilakukan berdampak pada proses bisnis kartu kredit hingga arsitektur teknologi yang digunakan. Pada penelitian ini digunakan framework TOGAF sebagai langkah kerja dalam memadukan proses bisnis organisasi, data dan arsitektur teknologi agar sesuai dengan standar dari EMVCo, PCI-DSS, Visa dan Mastercard. Hasil penelitian ini berupa solusi penyesuaian data, fitur serta alur pengembangan aplikasi yang dapat dijadukan acuan untuk perancangan standar arsitektur untuk implementasi PIN pada Transaksi Kartu Kredit.

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ABSTRACT
PT Bank ABC Tbk as one of the banks in the financial industry is required to match industry needs regarding security of the credit card transactions. Bank Indonesia as the regulator requires each bank to implement PIN on credit card transactions at EDC machine. PIN implementation process requires adjustments include changes to the card, the EDC and the back end system. Adjustments made an impact on the credit card business processes to architecture technology used. In this study used TOGAF framework as a step in the work to integrate the organization's business processes, data and technology architecture to match the standard of EMVCo, PCI-DSS, Visa and Mastercard. The results of this study is in the form of data matching solutions, application development features and workflow which can be used as standard reference for designing the architecture for the implementation of the PIN on Credit Card Transactions.;PT Bank ABC Tbk as one of the banks in the financial industry is required to match industry needs regarding security of the credit card transactions. Bank Indonesia as the regulator requires each bank to implement PIN on credit card transactions at EDC machine. PIN implementation process requires adjustments include changes to the card, the EDC and the back end system. Adjustments made an impact on the credit card business processes to architecture technology used. In this study used TOGAF framework as a step in the work to integrate the organization's business processes, data and technology architecture to match the standard of EMVCo, PCI-DSS, Visa and Mastercard. The results of this study is in the form of data matching solutions, application development features and workflow which can be used as standard reference for designing the architecture for the implementation of the PIN on Credit Card Transactions.;PT Bank ABC Tbk as one of the banks in the financial industry is required to match industry needs regarding security of the credit card transactions. Bank Indonesia as the regulator requires each bank to implement PIN on credit card transactions at EDC machine. PIN implementation process requires adjustments include changes to the card, the EDC and the back end system. Adjustments made an impact on the credit card business processes to architecture technology used. In this study used TOGAF framework as a step in the work to integrate the organization's business processes, data and technology architecture to match the standard of EMVCo, PCI-DSS, Visa and Mastercard. The results of this study is in the form of data matching solutions, application development features and workflow which can be used as standard reference for designing the architecture for the implementation of the PIN on Credit Card Transactions.;PT Bank ABC Tbk as one of the banks in the financial industry is required to match industry needs regarding security of the credit card transactions. Bank Indonesia as the regulator requires each bank to implement PIN on credit card transactions at EDC machine. PIN implementation process requires adjustments include changes to the card, the EDC and the back end system. Adjustments made an impact on the credit card business processes to architecture technology used. In this study used TOGAF framework as a step in the work to integrate the organization's business processes, data and technology architecture to match the standard of EMVCo, PCI-DSS, Visa and Mastercard. The results of this study is in the form of data matching solutions, application development features and workflow which can be used as standard reference for designing the architecture for the implementation of the PIN on Credit Card Transactions., PT Bank ABC Tbk as one of the banks in the financial industry is required to match industry needs regarding security of the credit card transactions. Bank Indonesia as the regulator requires each bank to implement PIN on credit card transactions at EDC machine. PIN implementation process requires adjustments include changes to the card, the EDC and the back end system. Adjustments made an impact on the credit card business processes to architecture technology used. In this study used TOGAF framework as a step in the work to integrate the organization's business processes, data and technology architecture to match the standard of EMVCo, PCI-DSS, Visa and Mastercard. The results of this study is in the form of data matching solutions, application development features and workflow which can be used as standard reference for designing the architecture for the implementation of the PIN on Credit Card Transactions.]

Abstrak :
Proses transaksi memiliki sejarah yang panjang sejalan dengan perkembangan alat pembayaran yang sah. Salah satu alat pembayaran yang sah adalah kartu kredit. Minat masyarakat yang meningkat terhadap penggunaan kartu kredit diikuti dengan berbagai persoalan dalam penggunaannya seperti pembatalan kartu kredit secara sepihak oleh pihak bank penerbit kartu. Bank Indonesia selaku pengatur dan pengawas bank telah menerbitkan berbagai peraturan mengenai alat pembayaran menggunakan kartu. Melalui berbagai aturan hukum akan dianalisis bagaimana pengaturan kartu kredit di Indonesia dan pembatalan kartu kredit secara sepihak oleh bank penerbit kartu. Penelitian ini menggunakan metode yuridis normatif. Berdasarkan aturan-aturan hukum tersebut dapat diketahui pengaturan kartu kredit dalam hukum perbankan Indonesia serta apakah pembatalan kartu kredit secara sepihak oleh bank penerbit, dalam Putusan Nomor 06/PDT/2011/PT.DKI, telah sesuai dengan dengan hukum yang berlaku atau tidak. ......Transaction processing has a long history in line with the development of legal tools of payment. One of the legal tools of payment is credit card. The increasing of public interest to use credit card followed by the variety problems in its use. Unilateral cancellation of credit cards by the issuing bank is one of the issues. Bank Indonesia, as regulator and supervisor of banks, has issued various regulations regarding the used of payment cards. Through various rule of law, would be analyzed how the credit card arrangement in Indonesia and the unilateral cancellation of a credit card by the issuing bank. This study used a normative juridicial. Under the rules of law could be known the credit card arrangement in Indonesia's banking Law and then whether the unilateral cancellation of credit card by the issuing bank, in Verdict Number 06/PDT/2011/PT.DKI, in accordance with the law or not.