TeNeT Group IIT-M February 09
Recommendations onInteroperability Standards
byMPFI Technology Committee
27th February 2009
TeNeT Group IIT-M
TeNeT Group IIT-M
Scenarios
A. Transaction with Pre-Registered Party• Customer enters full details of Beneficiary
one-time into mobile payment application:Name, Mobile no., Bank, Account no.
• For payment:• Customer selects Beneficiary record• Enters: Amount, PIN
• Payment is processed and Beneficiarynotified
TeNeT Group IIT-MFebruary 09
TeNeT Group IIT-M
Scenario
B. Transaction with New Party• Beneficiary enters:
Collect Rs. 75 from 98400-16781
• Customer gets request:Pay Rs. 75 to 94440-08330 Timothy Gonsalves?
• Customer confirms with PIN• Beneficiary is notified
TeNeT Group IIT-MFebruary 09
TeNeT Group IIT-M
Entities
February 09
TSP
TSPTSP
MPPC BankC
Settl
emen
t
MPPB1
BankB
MPPB2
Customer
Beneficiary
Ref. interfaces
Customer, Beneficiary: registers mobile number withBank(s). Selects one bank account as default
MPP (Mobile Payment Provider): Bank may provide itsown MPP, or use services of 3rd party MPPs
TSP: telecom service providerSettlement: NEFT/RTGS/NFS or future evolution
Mobile app: not standard
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Option 1: Bank-Centric Pull Process
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February 09
Beneficiary'sBank/MPP Customer
Beneficiary Customer'sBank/MPP
1. Pay RsX,C's Ph#
2. Broadcast C'sPh#
3.C's Bank replies
with default a/c#
4.Sends transferrequest
5.Verifies theTx information
9.Transfer toBeneficiary's
Bank
8.Beneficiary
Notified
6. Confirms
7. Confirms
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Option 1: Bank-Centric Push Process
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February 09
1.Pay Rs X, B's Ph#2.Broadcast B's Ph#
3.B's Bank replies withdefault a/c# and B's name
4.B's name is sentto avoid error
5.Confirms6.Send payment
Request
7.Inform abt
payment
8.Accepts
9.Transfer toB's Bank
10.Notified
Beneficiary'sBank/MPP
CustomerBeneficiary Customer'sBank/MPP
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Option 2: TSP-Assisted Pull Process
TeNeT Group IIT-M February 09
Beneficiary Beneficiary'sBank/MPP
Customer'sBank/MPP
1. Pay RsX, C'sPh#
4.Sends transferrequest
8.Transfer to
Beneficiary's Bank
7.BeneficiaryNotified
6. Confirms
Beneficiary'sTSP
Customer'sTSP
2.Get C's name, bank
3. C's name, bank
5.Informs C ofthe transaction
Customer
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Option 2: TSP-Assisted Push Process
TeNeT Group IIT-M February 09
Beneficiary Beneficiary'sBank/MPP
Customer'sBank/MPP
Beneficiary'sTSP
Customer'sTSP
Customer
6.Sends payment request
10.Transfers to Beneficiary's Bank
7.Inform abtthe payment
5. Confirms
2.Get B's name, bank
3. B's name, bank
4.Inform C ofB's name
8. Accepts
9. Notified
1. Pay RsX, B's
Ph#
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Messages
February 09TeNeT Group IIT-M
• Message formats standardised between:– MPP to MPP– MPP to Bank– Bank to Bank– MPP to TSP
• Based on ISO 8583• Every message to carry reference number• Message routing based on <BankId, MPPid>• Messages transmitted reliably (using acks)
TeNeT Group IIT-M
Mandatory Data Elements
Customer Initiated Transaction
• Beneficiary Phone No.• Amount
MPP to provide
• Unique Sequence Number• Date and Time of Transaction• Translation of Mnemonics
Beneficiary Initiated Transaction
• Customer Phone No.• Amount
February 09TeNeT Group IIT-M
TeNeT Group IIT-M
Message Format: MPP to MPP
• Main data elements required in the request are– Beneficiary Mobile/proxy number– Beneficiary name– Transaction Type– Amount– Transaction Identifier– Originating MPP ID– Sender Mobile/Proxy number– Sender Name
February 09TeNeT Group IIT-M
TeNeT Group IIT-M
• Response can have additional data elements– Authorization code– Response code– Beneficiary Name
…Message Format: MPP to MPP
February 09TeNeT Group IIT-M
TeNeT Group IIT-M
Message Format: MPP to Bank
• Main data elements required in the request are– customer Mobile/proxy number/Account number/Card
Number (based on payment instrument used)– Transaction Type– Amount– Transaction Identifier– Originating MPP ID– Sender Name/Account Number– Beneficiary Name/Account Number
February 09TeNeT Group IIT-M
TeNeT Group IIT-M
Message Formats
The message formats support several transaction types:• Merchant payments (sales)• P2P money transfers• Mobile Banking transactions
– Balance enquiry, Mini StatementsMessage formats support several payment instruments:• Bank accounts• Credit cards• Debit cards• Prepaid cards
February 09TeNeT Group IIT-M
TeNeT Group IIT-M
Summary
February 09TeNeT Group IIT-M
• Users must register default bank+a/c– Choice with multiple banks+a/c supported
• Mapping of mobile no. to name+bank:– Either Bank-centric or TSP-assisted– Initially: broadcast query– Future: central RBI-database or TRAI-database
• Pull and Push supported• Settlement:
– Initially: using NEFT/RTGS/NFS/… (cost? capacity?)– Future: may evolve into RBI transaction settlement
agency depending on cost/capacity constraints• Message formats based on ISO 8583