GSMA Mobile Money APIs Challenges. Karachi, Pakistan, October 2017

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Donald Neal
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1 GSMA Mobile Money APIs Challenges Karachi, Pakistan, October 2017

2 Key Points You can accomplish the challenges using any technology frameworks the choice is yours. You are expected to provide one solution that will cover the challenge(s) you decide to implement. User Interface can be App or Web or Both. There are slight differences between Jazz and Telenor API implementations so do not assume they are identical. Refer to the respective API documentation. Please note that small amounts should be supplied in the API to prevent limits being reached. 2

3 What s Challenges do Participants need to Complete? Common Challenges Merchant Payments Money Transfer to Mobile Account Developers will create a solution for merchants (remote and/or proximity) to enable EasyPaisa and JazzCash customers to buy goods or services. Customer Authentication is via USSD Push. Developers will create a solution for customers to transfer money from their Mobile Account to another Customer Mobile Account with the same operator. Merchant Payments Money Transfer to Mobile Account Instructions: 1. One of the above challenges must be implemented 2. Integration must be demonstrated to Jazz and Telenor platforms 3. Note that USSD Push is implemented in the back-end on the respective Jazz and Telenor platforms

4 What s Challenges are in-scope for the Hackathon? Jazz-Specific Challenges Bill Payments Customer Initiated Developers will provide a solution allowing customers to View and Pay Bills. Bill Presentment Pay Bill Customer Account Information Developers will provide a solution allowing customers to access account mini statement and balance. Account Balance Mini Statement Money Transfer to CNIC Developers will provide a solution allow customers to send money to non-registered customers via their National Identify Card number. Money Transfer to CNIC Instructions: 1. The Jazz-specific challenges are optional.

5 What s Challenges are in-scope for the Hackathon? Telenor-Specific Challenges Bill Payments Merchant OTC Developers will provide a solution allowing a merchant to accept customer bill payments over the counter. Get Company List Bill Presentment Pay Bill Deposit into Mobile Account Developers will provide a solution allowing merchants to accept a deposit into a customer account over the counter. Deposit to Mobile Account Money Transfer into Bank Account Developers will provide a solution allowing customers to send money to a nominated Bank Account. Money Transfer to Bank Account Instructions: 1. The Telenor specific challenges are optional.

6 6 Sequence Diagrams Common Challenges

7 Merchant Payments Please refer to the respective Operator API documentation for the exact URL syntax Merchant Easypaisa / Jazzcash Payer Request Merchant Payment POST /transactions Authorisation Request (USSD Push) Confirm PIN 201 (Created)

8 Money Transfer to Mobile Account Please refer to the respective Operator API documentation for the exact URL syntax Sender Easypaisa / Jazzcash Receiver Money Transfer POST /transactions 201 (Created) SMS Notification

9 9 Sequence Diagrams Jazz-Specific Challenges

10 Bill Presentment Customer Initiated Payer Jazzcash Biller Obtain Outstanding Bills to be Paid GET /accounts/msisdn/{value}/bills 200 (Success) Obtain Outstanding Bills to be Paid GET /accounts/msisdn/{value}/bills 200 (Success)

11 Pay Bill Customer Initiated Payer Jazzcash Biller Request Bill Payment POST /accounts/msisdn/{value}/bills/{bill Reference}/payments 201 (Created) Request Bill Payment POST /accounts/msisdn/{value}/bills/{bill Reference}/payments 201 (Created)

12 Account Balance Account Holder Jazzcash Get Balance GET /accounts/msisdn/{value}balance 200 (Success)

13 Account Statement Account Holder Jazzcash Get Account Statement GET /accounts/msisdn/{value}/statemententries 200 (Success)

14 Sender Money Transfer to CNIC Jazzcash Please refer to the Jazz API documentation for the exact URL syntax Receiver Money Transfer POST /transactions 201 (Created) SMS Notification

15 15 Sequence Diagrams Telenor-Specific Challenges

16 Fetch Bill Company List Payer Easypaisa Obtain Outstanding Bills to be Paid GET /billcompanies Note: /billcompanies is a v1.1 Beta version of the Mobile Money API. 200 (Success)

17 Merchant Bill Presentment Merchant Initiated EasyPaisa Biller Obtain Outstanding Bills to be Paid GET /accounts/{account Identifiers}/bills 200 (Success) Obtain Outstanding Bills to be Paid GET /accounts/{account Identifiers}/bills 200 (Success)

18 Merchant Pay Bill Merchant Initiated EasyPaisa Biller Request Bill Payment POST /accounts/{account Identifiers}/bills/{Bill Reference}/payments 201 (Created) Request Bill Payment POST /accounts/{account Identifiers}/bills/0/payments 201 (Created)

19 Deposit into Mobile Account Merchant EasyPaisa Request Deposit to Customer Account POST /transactions Please refer to the Telenor API documentation for the exact URL syntax 201 (Created)

20 Money Transfer to Bank Account Please refer to the Telenor API documentation for the exact URL syntax Sender Easypaisa Receiver Money Transfer POST /transactions 201 (Created) SMS Notification

1. Merchant initiated transactions for merchant payments

Annexure I 1. Merchant initiated transactions for merchant payments The merchant initiated transactions for merchant payment is a two-step process: 1. Generate OTP before transaction 2. Make payment to