A Web-Based Credit Card Payment Architecture for Dealer Portals: Android POS Integration, Microservice Design, and Behavioural Segmentation for Data-Driven Dealer Management

Digital transformation in financial services has accelerated the need for secure, scalable, and user-centric payment infrastructures across various industries This study presents the design and implementation of a web-based credit card payment architecture integrated into the Dealer Web Portal (BWP), enabling dealer-initiated bill payments through Android POS ecosystem. The work covers three major dimensions: the development of a microservice-based web architecture using REST/SOAP services; real-time, bi-directional communication between the web portal and Android POS devices; and an unsupervised machine learning framework for behavioural segmentation using large-scale bill payment data. Multiple clustering algorithms, including K-Means, DBSCAN, Mean Shift, Spectral Clustering, and Hierarchical Clustering, were evaluated, with K-Means yielding the most meaningful segmentation results based on Purity, NMI, and Silhouette metrics. Segment outputs enabled dynamic commission policies, targeted dealer interventions, and time-series behavioral insights. The results demonstrate that the proposed architecture significantly enhances operational efficiency and data-driven decision making. This study provides one of the first integrated examples of Android POS–web portal interoperability combined with large-scale behavioural segmentation in Türkiye’s bill-payment ecosystem.