DOI: https://doi.org/10.36347/sjet.2026.v14i07.004

Pages: 403-412

Digital payment systems involve the processing of large financial transactions with the help of payment cards, online commerce platforms, and mobile payment applications. Monitoring of financial transactions is essential to identify any unusual activity. This study examines an information system architecture designed for monitoring payment card transactions in digital financial environments. The proposed architecture integrates transaction data acquisition, database processing, monitoring modules, analytical models, and distributed infrastructure components within a unified monitoring framework. Transaction records are collected from multiple payment channels and stored in enterprise database systems that maintain historical transaction datasets. Monitoring engines evaluate transaction attributes such as transaction amount, location variation, and merchant category in order to identify abnormal patterns. Analytical models compute risk indicators and fraud probability estimates that support transaction classification and alert generation. Enterprise analytics platforms provide operational insights through monitoring dashboards that display transaction activity and system performance indicators. Distributed cloud infrastructure supports large-scale processing of transaction datasets and maintains system reliability during high transaction volumes. The results demonstrate that a structured monitoring architecture supports continuous transaction analysis and provides analytical capabilities for payment card transaction monitoring within modern financial information systems.