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Edgetech Consultancy EdgePay Mobile Payments solution
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EDGE-TECH CONSULTANCY
www.edgetechconsultancy.com
Mobile Payments Solution
Edgetech Consultancy EdgePay Mobile Payments solution
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Table of Contents
Introduction ............................................................................................................................................... 3
EdgePay architecture overview .......................................................................................................... 4
Mobile2Pos Native app................................................................................................................ 5
Payment process ....................................................................................................................... 5
Mobile2Pos USSD ............................................................................................................................ 7
Payment process ........................................................................................................................... 8
Mobile2Mobile .............................................................................................................................. 10
Payment process ..................................................................................................................... 10
POS biometrics .............................................................................................................................. 11
Payment Process ...................................................................................................................... 11
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Introduction
This document provides details on how the edgepay mobile payment
product works. Edgepay enables customers to make payments for goods
and services from a point of sale (POS) terminal using only their mobile
phone.
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EdgePay architecture overview
Edgemobile Mobile
banking gateway
[Edgepaymodule]
Core Banking
system
Integration
bridge
Mobile2Pos
Pos Biometrics
Mobile2Mobile
GPRS/3G/Wifi
connection
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Edgepay allows customers to make payments from their bank account or e-
wallet accounts using the following ways
1. Mobile2Pos native app
2. Mobile2Pos USSD
3. Mobile2Mobile
4. Pos Biometrics
Edgepay can be used to achieve the following (but not limited to)
Customers paying for goods and service at merchants or any point of
service (from their bank account or ewallet)
Cashback on POS terminals from bank account or ewallet
Agency banking
Customer to customer transfers
Utility and bill payments at a POS terminal (from bank account or
ewallet)
Mobile2Pos Native app
Mobile2Pos allows a customer to authenticate for payment using their mobile
phone device. Edgepay uses nearbytes sound data transfer technology to
transmit data between the mobile phone and the POS terminal.
Payment process
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Enter the transaction amount to be paid on the POS
device and tap “Receive authentication” button
On the mobile device, the customer open the
edgepay native app and then place the phone next to
the POS terminal
The POS terminal will transfer the transaction
details to the customer’s mobile phone using nearbytes technology.
The details transmitted to the customer’s mobile phone are
o Transaction amount and currency
o POS terminal ID and description
o POS terminal Reference number
The customer is required to enter their mobile banking
PIN on their mobile phone on the screen provided by
the native app. After committing, the customer should
put the phone next to the POS terminal
Enter Payment details on POS
terminal
Receive Payment details on Phone from POS terminal
Enter PIN and commit
Receive authentication on POS from
Mobile device
Send Payment to Edgemobile
Gateway
Receive payment on
gateway from POS
Process and
respond
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The phone will transmit the authentication details to the POS device.
The details include
o PIN (encrypted)
o Mobile phone UUID number
o Amount authenticated
o Terminal Reference number (originally send from the POS
terminal)
Once the POS terminal receives the authentication,
it automatically send the transaction details
(including authentication details from the mobile
phone) to the Edgemobile mobile banking gateway
for processing.
A response is sent back to the POS terminal from the
edgemobile gateway
POS terminal prints receipt on the thermal printer
The customer can also retrieve the receipt on their
edgepay native app on the mobile phone
A demo video is available at http://youtu.be/K9nFC45BmIA
Kindly view the demo video to get an appreciation of how this process works
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Mobile2Pos USSD
For those customers without smartphones, mobile payments can also be
achieved using USSD.
Payment process
Enter the transaction amount to be paid on the POS device and tap
“process” button. This will send the transaction details to the
Edgemobile gateway. Details sent include
o Transaction currency
o Transaction amount
o Customer mobile number (This is the mobile number registered
for mobile banking)
Edgemobile gateway receives details from POS, and put transaction in
status “Awaiting customer authentication”
Customer initiates USSD menu on his mobile phone, and selects
“Authenticate POS transaction”
Enter Payment
details on POS terminal and
commit to Edgemobile
gateway
Customer uses USSD menu on
phone
Enter transaction details and
POS terminal ID,
PIN and commit
Receive authentication on Egdemobile gateway from Mobile device
Check for transaction from POS
waiting for authenticati
on and match
Process and
respond
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Customer enters transaction details, authenticates with PIN and
commit. Details include
o Transaction currency
o Amount
o POS terminal ID
Edgemobile receives transaction details from customer, searches for a
matching POS transaction “awaiting customer authentication”. If
match is found, transaction is processed. If not found an error is sent to
customer as responds
After processing transaction, edgemobile gateway sends receipt to
POS terminal
POS terminal prints receipt on thermal printer
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Mobile2Mobile
Mobile2Mobile allows one customer to transfer funds from their bank account
or ewallet to another customer by transferring data from phone to phone
using nearbytes technology
Payment process
The sender initiates the transaction on his mobile phone using the
edgepay native app. Details entered include
o Currency of payment
o Amount
o Payment details
After entering details, the sender taps on button “Receive details from
beneficiary”
The receiver opens edgepay native app and select “Receive details
from sender” and put mobile phone next to the sender’s mobile phone
The receiver’s phone receives transaction details, and selects his
account to be credited and then press button “Send” and put phone
next to sender’s phone
Sender initiates
transaction on mobile
phone using edgepay
native app
Receiver recieves
payment details
Select account
number to be credited and tap to send back
to Sender's phone
Receive details from receiver
phone
Authenticate by PIN and
commit
Transaction is sent to Edgemobile gateway
for processing
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Sender receives account to be credited on his mobile phone, and
authenticates using his PIN and tap commit
On commit, the sender’s mobile phone sends transaction details to the
Edgemobile mobile banking gateway
Edgemobile gateway will process that transactions and respond
POS biometrics
Payment Process
Enter transaction details on POS terminal. Details entered include
o Transaction currency
o Transaction amount
o Customer mobile number (This is the mobile number enrolled for
mobile banking with the bank)
Customer places fingerprint on the biometrics scanner on the POS
device (The customer should use any one of the fingers enrolled with
the bank)
The POD terminal sends transaction details (including fingerprint
biometrics data) to Edgemobile mobile banking gateway
Enter Payment details on POS
terminal
Customer puts
fingerprint on POS
device for authenticati
on
Send Payment to Edgemobile
Gateway
Receive payment from
POS
Process and
respond
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A response is sent back to the POS terminal from the edgemobile
gateway
POS terminal prints receipt on the thermal printer