Account Binding
Business Process Flow
No | Business Process Flow |
|---|---|
1.0 | During checkout process, customer choose BNC account for the payment method |
Scenario - If BNC account available | |
1.1 | User can click BNC option and continue to payment process (refer to Payment section for detailed process) |
Scenario - If BNC account not available | |
1.2 | If user does not have BNC account linked to the merchant yet, then merchant will redirect customer to BNC binding process |
1.3 | User initiate BNC account binding process |
1.4 | Merchant call BNC webview to start account verification process |
2.0 | BNC webview is displayed in the merchant’s application |
2.1 | User input BNC account number and phone number in the webview page |
2.2 | BNC webview send inputted account number and phone number information to the backend system for verification |
2.3 | Backend system send verification result to BNC webview |
2.4 | BNC webview display Get OTP page to user |
2.5 | User click Request OTP button in BNC webview page |
2.6 | BNC webview send OTP request to backend system |
2.7 | Backend system generate and send OTP to user’s registered phone number |
2.8 | User input valid OTP into BNC webview page |
2.9 | BNC webview send inputted OTP to backend system for verification |
2.10 | If OTP inputted is valid, BNC backend system proceed the account binding process |
2.11 | Backend system send successful binding result to BNC webview |
2.12 | BNC webview display successful binding result page to user |
3.0 | BNC backend system will send callback for account binding to the merchant |
3.1 | Merchant send callback response to BNC backend system |
Payment
Business Process Flow
No | Business Process Flow |
|---|---|
1.0 | During checkout process in the merchant’s application, customer choose BNC account as the payment method in and proceed to payment |
1.1 | Merchant send API Payment request to BNC backend system |
1.2 | Backend system perform verification to check whether an OTP is necessary to proceed the payment |
Scenario - If OTP is not necessary | |
2.0 | Backend system proceed the payment transaction |
2.1 | Backend system send API Payment response to merchant |
2.2 | Merchant display successful payment result page to user |
Scenario - If OTP is necessary | |
3.0 | Backend system proceed the payment transaction |
3.1 | Backend system send API Payment response to merchant and inform that OTP is required to proceed the transaction |
3.2 | Merchant display Input OTP page to user |
3.3 | BNC backend system generate OTP and send it to the user’s registered phone number |
3.4 | User input the valid OTP in the merchant’s application |
3.5 | Merchant send API Limit Excess to BNC backend system |
3.6 | Backend system verify the inputted OTP |
3.7 | Backend system proceed the payment transaction |
3.8 | BNC backend send payment response to the merchant |
3.9 | Merchant display successful payment result page to user |
Refund
Business Process Flow
No | Business Process Flow |
|---|---|
1.0 | Merchant send refund request to BNC backend system |
1.1 | BNC backend system verify whether the refund request is valid |
1.2 | BNC backend system send refund response to merchant |
Unbinding
Business Process Flow
No | Business Process Flow |
|---|---|
1.0 | User request to unbind BNC account to merchant |
1.1 | Merchant send Token_ID information to BNC backend system to process the unbinding |
1.2 | BNC backend system send unbind response to merchant |
1.3 | Merchant display successful unbinding result to the user |
Status Inquiry
Business Process Flow
No | Business Process Flow |
|---|---|
1.0 | Merchant send status inquiry request to BNC backend system |
1.1 | Backend system send status inquiry response to the merchant |