1. BNC as Master - Payment from BNC App
Business Process Flow:
No | Business Process Flow |
|---|---|
1.0 | Customer of BNC merchant requests BNC VA code at BNC merchant’s ecosystem |
1.1 | Merchant sends request to generate VA to BNC backend system |
1.2 | BNC backend system generates VA code |
1.3 | BNC backend system sends VA code to Merchant |
1.4 | BNC merchant presents the code to user |
1.5 | From BNC app, user does inquiry payment/transfer, by entering the VA code |
1.6 | BNC app sends the inquiry payment/transfer to BNC backend system |
1.7 | BNC backend system does query to get detail of VA information |
1.8 | BNC backend system sends the VA detail information to BNC app |
1.9 | BNC app display VA detail information page to user |
1.10 | User confirms the payment at BNC app. This step, user will be required to enter transaction PIN. Only if the transaction PIN is successfully verified, then goes to next process |
1.11 | BNC app sends the payment/transfer to BNC backend system |
1.12 | BNC backend system will proceed the request, do the accounting entry in core banking system. Only if it’s successfully proceeded, then goes to next process |
1.13 | BNC backend system sends the payment/transfer request to BNC merchant |
1.14 | BNC merchant will proceed and send the response back to BNC backend |
1.15 | BNC backend sends the response to BNC app. If the response is declined, then BNC backend system will do reversal and return transaction failed |
1.16 | BNC app displays the response page to customer |
1.17 | BNC merchant performs inquiry status of the transaction performed to BNC backend system |
1.18 | BNC backend system sends the inquiry status result to BNC merchant |
2. Partner as Master - Payment from BNC App
Business Process Flow:
No | Business Process Flow |
|---|---|
1.0 | BNC merchant generates the VA Code. The reason merchant generates the code can be due to incoming from its partner (payment gateway) or its nature of business needs (ex. e-wallet service provider). Therefore, they will maintain their generated code |
1.1 | From BNC app, customer performs inquiry payment/transfer, by entering the VA code |
1.2 | BNC app sends the inquiry payment/transfer to BNC backend system |
1.3 | BNC backend system sends the inquiry payment/transfer to BNC merchant |
1.4 | BNC merchant does query to get detail of VA information |
1.5 | BNC merchant sends the VA detail information to BNC backend system |
1.6 | BNC backend system sends the VA detail information to BNC app |
1.7 | BNC app displays the VA detail information page to customer |
1.8 | Customer confirms the payment at BNC app. This step, customer will be required to enter transaction PIN. Only if the transaction PIN is successfully verified, then goes to next process |
1.9 | BNC app sends the payment/transfer to BNC backend system |
1.10 | BNC backend system will proceed the request, do the accounting entry in core banking system. Only if it’s successfully proceeded, then goes to next process |
1.11 | BNC backend system sends the payment/transfer to BNC merchant |
1.12 | BNC merchant proceeds the request |
1.13 | BNC merchant sends the payment/transfer response to BNC backend system. If the response is declined, then BNC backend system will do reversal |
1.14 | BNC backend system sends the payment/transfer response to BNC app |
1.15 | BNC app displays the response page to customer |
1.16 | BNC merchant performs inquiry status of the transaction performed to BNC backend system |
1.17 | BNC backend system sends the inquiry status result to BNC merchant |
3. BNC as Master - Payment from Local Network / Other Bank
Business Process Flow:
No | Business Process Flow |
|---|---|
1.0 | Customer of BNC merchant requests BNC VA code at BNC merchant’s ecosystem |
1.1 | BNC merchant sends request to generate VA to BNC backend system |
1.2 | BNC backend system generates VA code |
1.3 | BNC backend system sends VA code to BNC merchant |
1.4 | BNC merchant presents the code to customer |
1.5 | From other bank channel (Acquirer), customer does inquiry payment/transfer, by entering the VA code. Acquirer sends the request to AJ/ALTO/PRIMA |
1.6 | AJ/ALTO/PRIMA sends the inquiry payment/transfer to BNC backend system |
1.7 | BNC backend system does query to get detail of VA information |
1.8 | BNC backend system sends the VA detail information to AJ/ALTO/PRIMA |
1.9 | AJ/ALTO/PRIMA sends the response to the acquirer, so the acquirer can display the detail to the customer at its channel |
1.10 | Customer confirms the payment/transfer at acquirer’ channel. Acquirer sends the payment/transfer request to AJ/ALTO/PRIMA |
1.11 | AJ/ALTO/PRIMA sends the payment/transfer to BNC backend system |
1.12 | BNC backend system will proceed the request, do the accounting entry in core banking system. Only if it’s successfully proceeded, then goes to next process |
1.13 | BNC backend system sends the payment/transfer request to BNC merchant |
1.14 | BNC merchant will proceed and send the response back to BNC backend |
1.15 | BNC backend sends the response to AJ/ALTO/PRIMA. If the response is declined, then BNC backend system will do reversal and return transaction failed |
1.16 | AJ/ALTO/PRIMA sends the response to the acquirer, so the acquirer can display the response to the customer |
1.17 | BNC merchant performs inquiry status of the transaction performed to BNC backend system |
1.18 | BNC backend system sends the inquiry status result to BNC merchant |
4. Partner as Master - Payment from Local Network / Other Bank
Business Process Flow:
No | Business Process Flow |
|---|---|
1.0 | BNC merchant generates the VA Code. The reason merchant generates the code can be due to incoming from its partner (payment gateway) or its nature of business needs (ex. e-wallet service provider). Therefore, they will maintain their generated code |
1.1 | From other bank channel (Acquirer), customer does inquiry payment/transfer, by entering the VA code. Acquirer sends the request to AJ/ALTO/PRIMA |
1.2 | AJ/ALTO/PRIMA sends the inquiry payment/transfer to BNC backend system |
1.3 | BNC backend system sends the inquiry payment/transfer to BNC merchant |
1.4 | BNC merchant does query to get detail of VA information |
1.5 | BNC merchant sends the VA detail information to BNC backend system |
1.6 | BNC backend system sends the VA detail information to AJ/ALTO/PRIMA |
1.7 | AJ/ALTO/PRIMA sends the response to the acquirer, so the acquirer can display the detail to the customer at its channel |
1.8 | Customer confirms the payment/transfer at acquirer channel. Acquirer sends the payment/transfer request to AJ/ALTO/PRIMA |
1.9 | AJ/ALTO/PRIMA sends the payment/transfer request to BNC backend system |
1.10 | BNC backend system will proceed the request, do the accounting entry in core banking system. Only if it’s successfully proceeded, then goes to next process |
1.11 | BNC backend system sends the payment/transfer to BNC merchant |
1.12 | BNC merchant proceeds the request |
1.13 | BNC merchant sends the payment/transfer response to BNC backend system. If the response is declined, then BNC backend system will do reversal |
1.14 | BNC backend system sends the payment/transfer response to AJ/ALTO/PRIMA |
1.15 | AJ/ALTO/PRIMA sends the response to the acquirer, so the acquirer can display the response to the customer |
1.16 | BNC merchant performs inquiry status of the transaction performed to BNC backend system |
1.17 | BNC backend system sends the inquiry status result to BNC merchant |