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  • Transactional flows for mobile payments

    Enviado por

    qsultan
    22 visualizações6 páginas
    1. The document describes different transactional flows for making payments using mobile wallets, including using OTP, public/private keys, and dynamic QR codes. 2. With OTP, a mobile number is used to request an OTP for payment confirmation. With public/private keys, a key pair is generated on the customer's app and the public key is stored on the server. For payments, the amount is encrypted with the private key. 3. When using dynamic QR codes, a QR code is generated by the app server and sent to the merchant to be scanned, initiating a payment from the customer's wallet to the merchant via the Finja server.

    Descrição original:

    FINJA Flows

    Título original

    Finja Flows

    Direitos autorais

    © © All Rights Reserved

    Formatos disponíveis

    PDF, TXT ou leia online no Scribd

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    1. The document describes different transactional flows for making payments using mobile wallets, including using OTP, public/private keys, and dynamic QR codes. 2. With OTP, a mobile number is used to request an OTP for payment confirmation. With public/private keys, a key pair is generated on the customer's app and the public key is stored on the server. For payments, the amount is encrypted with the private key. 3. When using dynamic QR codes, a QR code is generated by the app server and sent to the merchant to be scanned, initiating a payment from the customer's wallet to the merchant via the Finja server.

    Direitos autorais:

    © All Rights Reserved
    Baixe no formato PDF, TXT ou leia online no Scribd
    Sinalizar o conteúdo como inadequado
    22 visualizações6 páginas

    Transactional flows for mobile payments

    Enviado por

    qsultan
    1. The document describes different transactional flows for making payments using mobile wallets, including using OTP, public/private keys, and dynamic QR codes. 2. With OTP, a mobile number is used to request an OTP for payment confirmation. With public/private keys, a key pair is generated on the customer's app and the public key is stored on the server. For payments, the amount is encrypted with the private key. 3. When using dynamic QR codes, a QR code is generated by the app server and sent to the merchant to be scanned, initiating a payment from the customer's wallet to the merchant via the Finja server.

    Direitos autorais:

    © All Rights Reserved
    Baixe no formato PDF, TXT ou leia online no Scribd
    Sinalizar o conteúdo como inadequado
    de 6

    Transactional Flows

    OTP Method

    3rd party
    app server

    2 Mobile Number
    1 Mobile Number

    Mobile Number Mobile Number


    4 Amount 5 Amount
    OTP OTP Finja
    Server

    Customer
    3 OTP

    6 Payment confirmed
    Private / Public Key
    Step 1: Register a Wallet

    3rd party
    app server

    Mobile
    2 Number
    Mobile
    1 Number 3b
    Token

    Mobile Number
    OTP
    Token
    4 Public key 5
    OTP
    Finja
    Public Key Server
    Customer 6
    App registration
    approved

    3a OTP
    A private & public key combo
    is crated in the customer app
    Step 2: Make a Payment

    3rd party
    app server

    Amount (encrypted with the Private


    2
    Key)
    Amount
    Mobile Number
    1 (encrypted with
    the Private Key)

    Public key is
    Finja kept on the
    Server server
    Customer
    Private Key Stored public key is
    remains on 3 used to decrypt the
    the amount
    customer’s
    phone
    Dynamic  QR  Code
    Step 1: Generate Dynamic QT and Make Payment

    3rd party
    app server

    Generate
    2 QR API
    Proceeds to
    1 checkout QR generated
    3 and sent to
    merchant

    QR scanned
    4 Finja
    Server
    Customer

    The Customer has SimSim


    wallet downloaded on
    their phone
    Step 2: Transfer Money to Merchant from FINJA

    3rd party
    app server

    4 Money is sent
    Item sold
    6
    confirmed
    Payment status
    5 updated by hitting
    listener API

    The Customer has SimSim


    Finja
    wallet downloaded on Server
    their phone 2 Payment accepted

    1 Makes payment
    Customer
    Payment
    3
    confirmation sent

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