Siirto & Open Payment Ecosystem

Transcription

1 Siirto & Open Payment Eco ecommerce workshop 1 Tieto

2 Tieto as catalyst to speed up development in eco We are open eco for all stakeholders driving for new real-time payment services and consumer innovations with best knowledge to create wider perspective on consumer payments. Purpose bring market makers together and speed up innovation and development of real-time payment services for wide usage We do in an open group of stakeholders Expert meetings Working groups to create and shape common operating models and multi-player solutions Share information and outputs We aim for close collaboration with Pan-European forums and players, standardation parties and other expert groups 2Tieto Experience Tieto Corporation Hub

3 Idea on way of working We establish Open Eco program with agreed work packages to drive selected themes. Advisory board helps with right direction.

4 Next in Siirto and Tieto roadmap ecommerce payments In-store payments E-receipt We are following the Pan-European development: SEPA Instant Payments SCT Inst AND national schemes

5 Siirto & Open Payment Eco ecommerce Work package description Open forum to discuss and define how to use Siirto for ecommerce Estimated 2-3 workshops needed for the basic work Tieto as catalyst / facilitator Input for the work 0.1d document drafted by Tieto based on several one-on-one discussions with different stakeholders Walk through basic flows together Output from the work Describe one or more common ways to implement ecommerce with Siirto CRs for the automatia team Discuss and document alternative ways to utilize Siirto Initial ideas collected 5

6 ecommerce work package schedule JANUARY February March April DP0 Inter view Inter Inter view view AB Team set-up & prepare Draft 01 Inter view Inter Inter view view AB DP1 Agree plan Present Initial Workflow(s) Info sharing Inter view Inter view Inter view Release candidata DP2 Finalize v1.0 workflows Solution WS Solution WS Next priority? DP3 Ideation WS DP4 Innovate new user journeys Elaboration WS How to continue? Agree next steps. Draft 01 Draft 02 V1.0 End user stories / scenarios 6 Input: Indicative Requirements to Automatia Input: CRs for Automatia Automatia decision making process

7 Agenda for Today 12:00-12:30 introduction 12:30-14:00 basic process flow walkthrough Registration Payment request Refund 14:00-14:25 break 14:25-15:00 basic process flow discussion 15:00-16:00 New user journeys introduction and next steps Solution WS

8 Process flows

9 Register PSP/Merchant to Siirto Corporate PISP Originator s PSP Automatia Beneficiary PSP Beneficiary PSP registring process API Backend Channel System Transaction Siirto registry SenderID for PSP ARPP Payment Reqtuest Account validation Transaction Channel Merchant PSP user Register PSP / Merchant To Siirto Account IBAN & BIC & businesid and SiirtoID Register Entity to Siirto register

10 ecommerce payment with Siirto payment request End customer Corporate Merchant PSP Originator s PSP Automatia Beneficiary PSP Beneficiary API Backend Channel System Transaction Siirto registry ARPP Payment Reqtuest Account validation Transaction Channel Checkout Validate request Initiate Payment request With phone number and business ID Push Request To user Look-up For BIC Process request Route based on BIC Confirm Checkout Manage ACH Authrorize (authn/sign ) Initiate the payment Notify Originator Debit Originator account Manage ACH Withdrawal Payment processing Validate request Withdrawal transaction Deposit transaction Acknowledgement SETTLEMENT PROCESS Deposit Credit Beneficiary account Manage ACH Notify Beneficiary Get Payment Request Status Payment Request Status

11 Alt 2 - ecommerce refund with Siirto (C2B) Corporate PISP Originator s PSP Automatia Beneficiary PSP Beneficiary API Backend Channel System Transaction Siirto registry ARPP Payment Reqtuest Account validation Transaction Channel Account validation Account IBAN & BIC Validate account Routing services Initiate the payment From Account IBAN & BIC to Account IBAN & BIC Payment processing Confirm Checkout Manage ACH Notify Originator Debit Originator account Manage ACH Withdrawal Validate request Withdrawal transaction Deposit transaction Acknowledgement SETTLEMENT PROCESS Deposit Credit Beneficiary account Manage ACH Notify Beneficiary

12 Identified CRs getpaymentrequeststatus - merchant PSP flow improvement Possibility to give IBAN+BIC to merchant interface (now SiirtoID or phone number)

13 Considered in work 13

14 To be considered in work Siirto Advisory Group requests End-user authentication during the process Linkage to potential loyalty program(s) Payment request handling in bank's mobile app Other topics to consider Merchant/merchant PSP initiating payment Shared delivery address storage (e.g. beneficiary register) mcommerce - phone number fetched from app

15 End-to-end solution example 15

16 E2E solution example: Siirto auth End customer Corporate Merchant PSP Originator s PSP Automatia Beneficiary PSP Beneficiary API Backend Channel System Transaction Siirto registry ARPP Auth Request Account validation Transaction Channel Login with Siirto to webshop. Siirto Auth request Validate request Initiate Auth Request (NEW AUTH TYPE) With phone number Push Request To user Look-up user Process request Authrorize (authn/sign ) Approve information sharing Confirm approval Fetch Requested User Data Login success. Acknowle dge status of informati on sharing Share user information

17 Next meeting & AOB Next meeting at EET Agenda proposal: Review of comments for 0.1d Present solution proposal 0.2d New journey proposals refined in small working groups 17

18 Tieto