Indian RBI Mandate Application
- Vanni Sanvincenti
Description
This use case illustrates the flow whereby a customer pays an order which falls under the scope of Reserve Bank of India mandate for a transaction for which both the merchant and card issuer are located in India.
The mandate requires that no entity in the card transaction chain, other than the card issuers (banks) and/or networks (Visa, Mastercard, etc.), shall store the actual card data. Solution is to use an alternative token called AlternateCardNumberText which has same format as the Credit Card Primary Account Number (CC PAN) and which is issued by a third-party system authorized by the Reserve Bank of India.
Note that for the time being it is not clear if the Seller can authenticate autonomously. This is under discussion with Payment Council of India.
Capabilities Demonstrated
Preconditions
Airline supports "online" card payment
Airline can connect to the third-party provider to replace the actual CC PAN by an AltID
Main Flow
To be reviewed with the different options
Step | Message | Description |
01 | AirShoppingRQ | Seller submits travel plan(s) on behalf of a customer. |
02 | AirShoppingRS | Airline responds with Offers and includes a catalogue of supported methods of payment and related payment fees. |
03 | OfferPriceRQ | Seller requests price for the selected Offer/OfferItem(s). |
04 | OfferPriceRS | Airline responds with a priced offer. |
05 | OrderCreateRQ | Seller requests to create the order with a preference to pay using a customer card. |
06 | OrderViewRS | Airline notifies seller that the order is created, and that payment is expected using customer card with associated card fees, if any. |
07 | OrderChangeRQ | Seller updates the order with card processing details. |
08 | OrderViewRS | Airline notifies seller that the payment is “SUCCESSFUL” and the order is considered as paid. Airline returnes the |
09 | OrderSalesInformationNotificationRQ | Airline transmits order information to accounting system.
|
10 | IATA_Acknowledgement | Airline Accounting system confirms that OSIN is received. |
Post Condition
Airline has successfully taken into account the Seller’s commitment to pay with a Credit Card.
Airline returns the
AlternateCardNumberTextprovided by the Third-Party system authorized by the Reserve Bank of IndiaSeller is in receipt of an
Order.
Data Elements
Pay
Message | Object | Details |
OrderChangeRQ
| Card Brand Code | Indicates the brand name of the Credit Card |
Card Number | Provides the CC Primary Account Number | |
Payment Type Code | Confirms the Method of Payment (“CC”) | |
OrderViewRS
| AlternateCardNumberText | Provides the Alternative ID issued by the Third-Party provider authorized by the Reserve Bank of India or any other entity |
Masked Card ID | Provides the concealed Credit Card number. It is recommended to return this information in order to allow the Seller to associate AlternateCardNumber to a specific card. |
Accounting
Message | Object | Details |
OrderSalesInformationNotifRQ
| Alternate Card Number | Provides the Alternative ID issued by the Third-Party provider authorized by the Reserve Bank of India |
Masked Card ID | Provides the concealed Credit Card number |