UnionPay International Developer

Interface description

This message is sent by APPGW to SCIS to get the list of cardholder verification(CV) methods required.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CVM_INQUIRY”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

O:Optional

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CVM_INQUIRY”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

C:Conditional

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808154804701987",
"timeStamp":"20190808154804",
"msgType":"CVM_INQUIRY",
"insID":"39999999"
},
"trxInfo":{}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808154804701987",
"timeStamp":"20190808154804",
"msgType":"CVM_INQUIRY",
"insID":"39999999"
},
"trxInfo":
{
"cvm":["firstName","midName","lastName","idType","idNo","idCountry"]
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

Transmits the KYC verification information entered by users to SCIS for verification.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “KYC_VERIFICATION”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID

deviceID

ANS

1-64

M:Mandatory

The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.

USER ID

userID

ANS

1-64

M:Mandatory

Card product code

prdNo

AN

1-4

O:Optional

Cardholder Verification Information

cvmInfo

Object

M:Mandatory

Encrypted with the public key of the Encryption Certificate.

Primary Account Number	pan	AN	1-40	C:Conditional
Account Number	accountNo	AN	1-40	C:Conditional
Expiry Date	expiryDate	ANS	5	C:Conditional	MM/YY
CVN2	cvn2	N	3	C:Conditional
First Name	firstName	S	1-30	C:Conditional
Middle Name	“midName”	S	1-30	C:Conditional
Last Name	lastName	S	1-30	C:Conditional
ID Type	idType	ANS	1-50	C:Conditional	Valid Values: .• "ID card" .• "Passport"
ID Number	idNo	AN	1-25	C:Conditional	The "idType", "idNo" and “idCountry” shall be present together.
Mobile Number	mobileNo	ANS	1-25	C:Conditional	The format is defined in [ITU-T E.164] Components: Country code (1-3 digits) + “-” + subscriber number If the country code is not present, UMPS will consider it as a Chinese mobile number.
ID COUNTRY	idCountry	ANS	1-3	C:Conditional	Follow the “ISO 3166-1 numeric” standars.

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “KYC_VERIFICATION”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808105159700443",
"timeStamp":"20190808105159",
"msgType":"KYC_VERIFICATION",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"userID":"3329941324335104",
"cvmInfo":"eyJhbGciOiJSU0ExXzUiLCJlbmMiOiJBMTI4Q0JDLUhTMjU2Iiwia2lkIjoiMTU1NTU3MDMwMiJ9.f47jrLM5lF-u6K3YVkgRkcXh_JPXOSsPKBEpc2wCD2_Hdr9o8jel6melQL3Sm-cMuKe2iDWu-WOEIDFv5kaF8Umb_Wn8I2CXHZ8ll1KkQQVSBeR55ZGNHx7rhwN40KgMl4JA3HzsEzddyzNzqbCGpuUsvdxQd2cynQ_EXEfws3vuqedtF1hE9iCM5CYmhSW9t5bUnUFZ9qLz8qPC41UuJ0DxclSGBZMTTT7n0s0zrH4wQ5X6NrfdqpW8S99IxegbcF-_f1o6-5zYRiKIxf0l-2hL1eAEb6rPGg4tlpXTxFJAOjlv61636FVOp4oB7KuRRO6NLdTpOD5Nz4yXChDyVg.MTZjODBkZTU2MTc4NGJhMg.7Q7SgZLTkx58IOfcBVS6ArO0SQduPMocVlxQRkoVcWGzuHPH8DAfvdFuOUAMoVpIZEXaVCDVre1blALw7j6CfFVlwdb1XuApVprS2E8Kx8RxbOVy_fGVsevwMxMRUHwU75japuR3zf5wGJGZykZNGQ.e7JrnvorRIRLxMHaHPaP0A"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808105159700443",
"timeStamp":"20190808105159",
"msgType":"KYC_VERIFICATION",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"referNo":"119771"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

This message is used to open an account which is binded by virtual card or physical prepay card.If an application of opening a vitual card account is approved,a new virtual card is created by SCIS,the PAN and token of the virtual card will be returned in the response message to APPGW.If an application of opening a physical prepay card account is approved,a new account number will be returned in the response message to APPGW.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “OPEN_ACCOUNT”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID

deviceID

ANS

1-64

M:Mandatory

The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.

USER ID

userID

ANS

1-64

M:Mandatory

Card product code

prdNo

AN

1-4

O:Optional

Original Message ID

origMsgID

AN

17-49

C:Conditional

Original KYC_VERIFICATION message id.

Original Reference No.

origReferNo

N

1-32

C:Conditional

It is used to match the message sets within an open account process. The Reference No. is populated by Issuing System and shall be the same in all related messages: KYC_VERIFICATION, OPEN_ACCOUNT. The value must be unique for each enrollment process.

Cardholder Verification Information

cvmInfo

Object

C:Conditional

Encrypted with the public key of the Encryption Certificate. Present if there is no original KYC_VERIFICATION.

Primary Account Number	pan	AN	1-40	C:Conditional
Account Number	accountNo	AN	1-40	C:Conditional
Expiry Date	expiryDate	ANS	5	C:Conditional	MM/YY
CVN2	cvn2	N	3	C:Conditional
First Name	firstName	S	1-30	C:Conditional
Middle Name	midName	S	1-30	C:Conditional
Last Name	lastName	S	1-30	C:Conditional
ID Type	idType	ANS	1-50	C:Conditional	Valid Values: .• "ID card" .• "Passport"
ID Number	idNo	AN	1-25	C:Conditional	The "idType", "idNo" and “idCountry” shall be present together.
Mobile Number	mobileNo	ANS	1-25	C:Conditional	The format is defined in [ITU-T E.164] Components: Country code (1-3 digits) + “-” + subscriber number If the country code is not present, UMPS will consider it as a Chinese mobile number.
ID COUNTRY	idCountry	ANS	1-3	C:Conditional	Follow the “ISO 3166-1 numeric” standars.

CVM Additional Documents

cvmAddtlDocums

Object

O:Optional

CVM Additional Documents

cvmAddtlDocms

Array

M:Mandatory

the cvmAddtlDocm structure can appear 1~N times.

Data Content	dataContent	ANS	1-2048000	M:Mandatory	Data of file in Base64 format
Data Format	dataFormat	ANS	1-20	M:Mandatory	Valid Values: .• "PNG". .• "JPG". .• "DOC"..• "PDF".
Data Type	dataType	ANS	1-256	M:Mandatory	Valid Values: .• "ID card" .• "Passport".• "selfPhoto"

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “OPEN_ACCOUNT”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID

deviceID

ANS

1-64

M:Mandatory

The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.

Account Information

accountInfo

Object

C:Conditional

Encrypted with the public key of the Encryption Certificate Present if the Response Code is "00" and it is an application for opening a physical prepay card account.

Primary Account Number	pan	AN	1-40	C:Conditional
Account Number	accountNo	AN	1-40	C:Conditional
First Name	firstName	S	1-30	C:Conditional
Middle Name	midName	S	1-30	C:Conditional
Last Name	lastName	S	1-30	C:Conditional
Account Status	accountStatus	ANS	1-50	C:Conditional
Account Tier	accountTier	N	1-2	C:Conditional

Token

token

N

16-19

C:Conditional

Token PAN. Present if the Response Code is "00" and it is an application for opening a virtual card account.

Token Expiry

tokenExpiry

N

12

C:Conditional

(YYMMDDhhmmss) Present if the Response Code is "00" and it is an application for opening a virtual card account.

PAN

pan

N

1-2048

C:Conditional

Encrypted with the public key of the Encryption Certificate.Card No. Present if the Response Code is "00" and it is an application for opening a virtual card account.

PAN Expiry

panExpiry

ANS

5

C:Conditional

(MM/YY) Present if the Response Code is "00" and it is an application for opening a virtual card account.

Masked PAN

maskedPan

ANS

1-40

C:Conditional

Masked card No.,can be display on mobile devices.Present if the Response Code is "00" and it is an application for opening a virtual card account.

Card Type

cardType

ANS

1-50

C:Conditional

Valid values : • "Debit Card" • "Credit Card" • "Prepay Card" Present if the Response Code is "00" and it is an application for opening a virtual card account.

Card Face ID

cardFaceID

AN

1-6

C:Conditional

Present if the Response Code is "00" and it is an application for opening a virtual card account.

Reference No.

referNo

ANS

1-50

O:Optional

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808105201114935",
"timeStamp":"20190808105201",
"msgType":"OPEN_ACCOUNT",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"userID":"3329941324335104",
"origMsgID":"A3999999920190808105159700443",
"origReferNo":"119771"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808105201114935",
"timeStamp":"20190808105201",
"msgType":"OPEN_ACCOUNT",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"token":"6292610354932071335",
"tokenExpiry":"801230235959",
"pan":"eyJhqwertyuiopasdfghjklzxcvbnm8s0g",
"panExpiry":"08/22",
"maskedPan":"6233********0060",
"cardType":"Virtual Card",
"cardFaceID":"100101"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

This message is used to apply for a token with an existing entity cardphysical card,or apply for a new virtual card with a given account no.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARD_ENROLLMENT”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID

deviceID

ANS

1-64

M:Mandatory

The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.

USER ID

userID

ANS

1-64

M:Mandatory

Card product code

prdNo

AN

1-4

O:Optional

Cardholder Verification Information

cvmInfo

CVMINFO

M:Mandatory

Encrypted with the public key of the Encryption Certificate.

Primary Account Number	pan	AN	1-40	C:Conditional
Account Number	accountNo	AN	1-40	C:Conditional
Expiry Date	expiryDate	ANS	5	C:Conditional	MM/YY
CVN2	cvn2	N	3	C:Conditional
First Name	firstName	S	1-30	C:Conditional
Middle Name	“midName”	S	1-30	C:Conditional
Last Name	lastName	S	1-30	C:Conditional
ID Type	idType	ANS	1-50	C:Conditional	Valid Values: .• "ID card" .• "Passport"
ID Number	idNo	AN	1-25	C:Conditional	The "idType", "idNo" and “idCountry” shall be present together.
Mobile Number	mobileNo	ANS	1-25	C:Conditional	The format is defined in [ITU-T E.164] Components: Country code (1-3 digits) + “-” + subscriber number If the country code is not present, UMPS will consider it as a Chinese mobile number.
ID COUNTRY	idCountry	ANS	1-3	C:Conditional	Follow the “ISO 3166-1 numeric” standars.

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARD_ENROLLMENT”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID	deviceID	ANS	1-64	M:Mandatory	The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.
Token	token	N	16-19	C:Conditional	Token PAN.Present if the Response Code is "00".
Token Expiry	tokenExpiry	N	12	C:Conditional	(YYMMDDhhmmss) Present if the Response Code is "00".
PAN	pan	N	1-2048	C:Conditional	Encrypted with the public key of the Encryption Certificate Card No. Present if it is apply for a new virtual card with a given account no and the Response Code is "00" .
PAN Expiry	panExpiry	ANS	5	C:Conditional	(MM/YY) Present if it is apply for a new virtual card with a given account no and the Response Code is "00" .
Masked PAN	maskedPan	ANS	1-40	C:Conditional	Masked card No.,can be display on mobile devices. Present if it is apply for a new virtual card with a given account no and the Response Code is "00" .
Card Type	cardType	ANS	1-50	C:Conditional	Valid values :• "Debit Card"• "Credit Card" • "Prepay Card" .Present if the Response Code is "00".
Card Face ID	cardFaceID	AN	1-5	C:Conditional	Present if the Response Code is "00".
Precharge Amount	prechargeAmt	ANS	1-13	C:Conditional	Present if the Response Code is "00" and it is a physical prepay card.
Precharge Currency	prechargeCurrency	N	3	C:Conditional	Present if the Response Code is "00" and it is a physical prepay card.

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190812095028771330",
"timeStamp":"20190812095028",
"msgType":"CARD_ENROLLMENT",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"userID":"3329941324335104",
"cvmInfo":"eyJhbGciOiJSU0ExXzUiLCJlbmMiOiJBMTI4Q0JDLUhTMjU2Iiwia2lkIjoiMTU1NTU3MDMwMiJ9.aCwwSLXTPeHnxAHdwgC8kf1cnKbZWcnRztToOPUq7q0PtQcxNIpOkfVzm7SVFlHS6elKPGRmyLJRbHeBVEipWh2V3DO3BrB41ieTsLHZfCPKUzLBmTboS8LbsvrT4a2HelpQQQS8zKTO3FxCyF7pFzLipdvpZ6Hrb4uYjO3buLM32Yml0V0rOHxkbbJGG5r8eoedCMkustdhnuWrIQOa5Ge4ivBBHdStqF0WAcdq5gZUnaUmo4nL4RR-tSiACaJHiNQh_lG-OHEzxXykNlYlnE2wEpyu9jEALM_8EvzGxTYYK4Ak2Jol8In5xZhNnNE5Ln90QCEJwZr36ub3qcxCzw.ZDJiOTA2OGY4NDRmNGZkZg.NYDlrVjfoJGOhwCaY70zSwhw21LFLYGxjl69lrDWvoLU--9DmwYmVJDNjYygG4Z_mtRZxzDyo4D5y6EVKrAwz3wWE8itpdcLPCd24hTCW282Zt3fUtJNBgd_pKPAHdc0LrgppYUlmdYs-mw_WWQ5Bg.4FIvoXzzYMEIvvBPiEaMZA",
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190812095028771330",
"timeStamp":"20190812095028",
"msgType":"CARD_ENROLLMENT",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"token":"6292610354932071335",
"tokenExpiry":"801230235959",
"pan":"eyJhbGciOiJSU0ExXzUiLCJlbmMiOiJBMTI4Q0JDLUhTMjU2Iiwia2lkIjoiMzE4NTU2OTg5NjkyNTE4NCJ9.dY26VIT2Pm7aT5IZx8EQCYSe1qCp1I1lFVF1FI42NvxfupQCJouZhJzTSUrFjQoGDd_NY89ov3WBGQftiR6s9hBoWtyv6OF-Cd8a7Cf1BAqp7gJw1d44ytCcuv1GucxrVLWvis_Ol3Ndlci4dM1OZEBnokGzbzTM3-GaH0j3vyRit1Ax6RbS9x49I1X7pl5fpvtG7WuyBZUHED74J86Vga9xBzHch1BsaF57i5WSbzdzoIvRhUcqmnCfV4f6Xsv8788LQerwRbLA-A68tLxA8jSRGxUPOt0du_R4CJP9nZuLdg15eKf3dufTfIDepjBay5tb4ZGYUI4eX6sDZA0Lhw.M2IzMjhiMTcxMmYyNDMyYw.nesZ5D7h9a7Mjl9hwg0PQFYl2yCITQ_HbchMtS-R19s.8Ku1KLU1Ne1TS0PVIYCSVQ",
"panExpiry":"08/22",
"maskedPan":"6233********0060",
"cardType":"Virtual Card",
"cardFaceID":"100101"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

Downloading card face from SCIS.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARDFACE_DOWNLOADING”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARDFACE_DOWNLOADING”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Card Face ID	cardfaceID	AN	1-50	M:Mandatory	The identifier of the card image to be downloaded.
Card Face Type	cardfaceType	N	1-50	C:Conditional	Valid Values: • "horizontal" • "vertical" .Present if the Response Code is "00".
PAN Position X	panPosX	N	1-3	C:Conditional	Position X of PAN in Card Layout, value from “0” to “999” ,Present if the Response Code is "00".
PAN Position Y	panPosY	N	1-3	C:Conditional	Position Y of PAN in Card Layout, value from “0” to “999”,Present if the Response Code is "00".
PAN Font Size	panFontSize	N	1-3	C:Conditional	PAN Font Size in Card Layout, value from 0 to 100,Present if the Response Code is "00".
Text Color	color	AN	1-12	C:Conditional	Color of the Text Layout above in RRGGBB hexadecimal format,Present if the Response Code is "00".
Card Face Data	cardfaceData	ANS	1-2048000	C:Conditional	Data of image in Base64 format ,Present if the Response Code is "00".

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A39990052190809145501096991",
"timeStamp":"20190809145501",
"msgType":"CARDFACE_DOWNLOADING",
"insID":"39990052"
},
"trxInfo":
{
"cardfaceID":"100201"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A39990052190809145501096991",
"timeStamp":"20190809145501",
"msgType":"CARDFACE_DOWNLOADING",
"insID":"39990052"
},
"trxInfo":
{
"cardfaceID":"100201",
"cardfaceType":"0",
"panPosX":"20",
"panPosY":"200",
"panFontSize":"10",
"color":"#fff467",
"cardfaceData":"aVZCT1J3MEtHZ29BQUFBTlNVaEVVZ0FBQVVvQUFBRGNDQVlBQUFBV1ll"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

This interface is used by SCIS to notify APPGW of the modification of the account.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “ACCOUNT_UPDATE_NOTIFICATION”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Token	token	N	16-19	M:Mandatory	Token PAN
Account Tier	accountTier	N	1-2	M:Mandatory
Reference No.	referNo	ANS	1-50	O:Optional

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “ACCOUNT_UPDATE_NOTIFICATION”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"M39999999000000000000479353",
"timeStamp":"20190808105942",
"msgType":"ACCOUNT_UPDATE_NOTIFICATION",
"insID":"39999999"
},
"trxInfo":
{
"token":"6292610358444335641",
"accountTier":"1"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"M39999999000000000000479353",
"timeStamp":"20190808105942",
"msgType":"ACCOUNT_UPDATE_NOTIFICATION",
"insID":"39999999"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

This message is used to upgrade account tier.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “ACCOUNT_UPDATE”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Account Tier

accountTier

N

1-2

M:Mandatory

New account tier.

Cardholder Verification Information

cvmInfo

Object

M:Mandatory

Encrypted with the public key of the Encryption Certificate. Account number should be present in the request .

ID COUNTRY	idCountry	ANS	1-3	C:Conditional	Follow the “ISO 3166-1 numeric” standars.
Mobile Number	mobileNo	ANS	1-25	C:Conditional	The format is defined in [ITU-T E.164]. Components: Country code (1-3 digits) + “-” + subscriber number; If the country code is not present, UMPS will consider it as a Chinese mobile number.
ID Number	idNo	AN	1-25	C:Conditional
ID Type	idType	ANS	1-50	C:Conditional	Valid Values: .• "ID card"; .• "Passport". "idType", "idNo" and “idCountry” shall be present together.
Last Name	lastName	S	1-30	C:Conditional
Middle Name	midName	S	1-30	C:Conditional
First Name	firstName	S	1-30	C:Conditional
CVN2	cvn2	N	3	C:Conditional
Expiry Date	expiryDate	ANS	5	C:Conditional	Format: MM/YY
Account Number	accountNo	AN	1-40	C:Conditional
Primary Account Number	pan	AN	1-40	C:Conditional

CVM Additional Documents

cvmAddtlDocums

Array

O:Optional

Array of Following elements

Data Type	dataType	ANS	1-256	M:Mandatory	Valid Values: .• "ID card"; .• "Passport"; .• "selfPhoto"
Data Format	dataFormat	ANS	1-20	M:Mandatory	Valid Values: .• "PNG"; .• "JPG"; .• "DOC"; .• "PDF".
Data Content	dataContent	ANS	1-2048000	M:Mandatory	Data of file in Base64 format

Balance Limit

balLimit

ANS

1-13

M:Mandatory

New balance limit.

Limit Currency

limitCurrency

N

3

M:Mandatory

A 3-digit numeric value, as defined by [ISO 4217], that indicates the currency code of the balance. The mobile application can display the currency in a readable way, such as "RMB".

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “ACCOUNT_UPDATE”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

C:Conditional

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A39999999000000000000479353",
"timeStamp":"20190808105942",
"msgType":"ACCOUNT_UPDATE",
"insID":"00530344"
},
"trxInfo":
{
"accountTier":"1",
"cvmInfo":"eyJhbGciOiJSU0ExXzUiLCJlbmMiOiJBMTI4Q0JDLUhTMjU2Iiwia2lkIjoiMTU2MjAzMjg4NTk2MiJ9.IGVbmIFn7kqiSEQTYoCZDp7dxWHFKbgATceor14wOUjiTzjaq-BnKQ7UL8HEtT1K_OO2SmJf67-sREZ-widaS5gnjl_7vrDPMpRyitBnAsAaDcklcLq48CQ7jaTWrJg9te2m8U2VgyIdh7CVTpxS1yyon5CSTVSG94yqJm6O70Fh2zUDxqdPxXqfJj9bb1jMwofkOOwuHG-RhQNs6CP4zl22s7mnfg1h-tb-7J6BVD5Tu-zrt3VY6aAshooFDS63aesa9Xh7swQzBEIdBltSF-PHVMlok7_gnErTVMiiLRuonkPtZ801wvFaeH4Ppq9q3U1XGynSO7kbB6IlnHV2Hg.NDIxODViZDYyYzBkNGJjOA.Gt5I2aRcw0RL1YS860PDjXHoWQYtW9g6BT3snvFmCe0.gKc1fpZsZ3az6jm7UpUoLA",
"balLimit":"10000",
"limitCurrency":"156"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A39999999000000000000479353",
"timeStamp":"20190808105942",
"msgType":"ACCOUNT_UPDATE",
"insID":"00530344"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

Apply for changing the state of a virtual card,the management operation includes suspend,resume,delete.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARD_STATUS_MANAGEMENT”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID	deviceID	ANS	1-64	M:Mandatory	The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.
USER ID	userID	ANS	1-64	M:Mandatory
Token	token	N	16-19	M:Mandatory	Token PAN
Token Action	tokenAction	ANS	1-50	M:Mandatory	Valid values:

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARD_STATUS_MANAGEMENT”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110438843465",
"timeStamp":"20190808110438",
"msgType":"CARD_STATUS_MANAGEMENT",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"userID":"3333800261535744",
"token":"6292610358444335641",
"tokenAction":"DELETE"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110438843465",
"timeStamp":"20190808110438",
"msgType":"CARD_STATUS_MANAGEMENT",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"tokenState":"DELETED"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

When SCIS changes the state of a virtual card,SCIS will send this notification message to APPGW.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARD_STATUS_NOTIFICATION”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARD_STATUS_NOTIFICATION”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"U3999999920190809104853935091",
"timeStamp":"20190809104853",
"msgType":"CARD_STATUS_NOTIFICATION",
"insID":"39999999"
},
"trxInfo":
{
"token":"6292610354932071335",
"tokenState":"SUSPENDED"
}
}

Response code

Other

{
"msgInfo":
{
"insID":"39999999",
"msgID":"U3999999920190809104853935091",
"msgType":"CARD_STATUS_NOTIFICATION",
"timeStamp":"20190809104853",
"versionNo":"1.0.0"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

This message is sent by APPGW to SCIS to get the state of a virtual card.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARD_STATUS_INQUIRY”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID	deviceID	ANS	1-64	M:Mandatory	The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.
USER ID	userID	ANS	1-64	M:Mandatory
Token	token	ANS	16-19	M:Mandatory	Token PAN

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARD_STATUS_INQUIRY”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999006620190809153254831192",
"timeStamp":"20190809153254",
"msgType":"CARD_STATUS_INQUIRY",
"insID":"39990066"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"token":"6200099880516965",
"userID":"3301817853921280"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999006620190809153254831192",
"timeStamp":"20190809153254",
"msgType":"CARD_STATUS_INQUIRY",
"insID":"39990066"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"cardStatus":"ACTIVE"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

This message is sent by APPGW to SCIS to query the balance of a virtual card.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARD_BALANCE_INQUIRY”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

“msgType” value is “CARD_BALANCE_INQUIRY”

Device ID	deviceID	ANS	1-64	M:Mandatory	The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.
USER ID	userID	ANS	1-64	M:Mandatory
Token	token	ANS	16-19	M:Mandatory	Token PAN

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “CARD_BALANCE_INQUIRY”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

“msgType” value is “CARD_BALANCE_INQUIRY”

Device ID	deviceID	ANS	1-64	M:Mandatory	The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.
Account Tier	accountTier	N		C:Conditional	Present if the Response Code is "00".
Balance Amount	balAmt	ANS		C:Conditional	Present if the Response Code is "00"
Balance Currency	balCurrency	N	3	C:Conditional	Present if the Response Code is "00". A 3-digit numeric value, as defined by [ISO 4217], that indicates the currency code of the balance. The mobile application can display the currency in a readable way, such as "RMB".
Sub Currency Balance Amount	subCurrencyBalAmt	ANS	1-13	C:Conditional	Present if the Response Code is "00" and it is exists.
Balance Sub Currency	balSubCurrency	N	3	C:Conditional	Present if the Response Code is "00" and it is exists. A 3-digit numeric value, as defined by [ISO 4217], that indicates the currency code of the balance. The mobile application can display the currency in a readable way, such as "RMB".
Reference No.	referNo	ANS	1-50	O:Optional

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110431161957",
"timeStamp":"20190808110431",
"msgType":"CARD_BALANCE_INQUIRY",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"userID":"3333800261535744",
"token":"6292610358444335641"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110431161957",
"timeStamp":"20190808110431",
"msgType":"CARD_BALANCE_INQUIRY",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"accountTier":"1",
"balAmt":"73.00",
"balCurrency":"156"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

This message is sent by APPGW to SCIS to get the exchange rate of different currency.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “EXCHANGE_RATE_INQUIRY”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Original Currency	origCurrency	N	3	M:Mandatory	A 3-digit numeric value, as defined by [ISO 4217], that indicates the currency code of the balance. The mobile application can display the currency in a readable way, such as "RMB".
Original Amount	origAmt	ANS	1-13	M:Mandatory
Exchange Currency	exchangeCurrency	N	3	M:Mandatory	A 3-digit numeric value, as defined by [ISO 4217], that indicates the currency code of the balance. The mobile application can display the currency in a readable way, such as "RMB".

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory	YYYYMMDDhhmmss
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

C:Conditional

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110431161957",
"timeStamp":"20190808110431",
"msgType":"EXCHANGE_RATE_INQUIRY",
"insID":"39999999"
},
"trxInfo":
{
"origCurrency":"344",
"origAmt":"100",
"exchangeCurrency":"156"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110431161957",
"timeStamp":"20190808110431",
"msgType":"EXCHANGE_RATE_INQUIRY",
"insID":"39999999"
},
"trxInfo":
{
"exchangeAmt":"90",
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

A request of P2P Transfer transaction sent by APPGW.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

MSGINFO

M:Mandatory

ft

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID

deviceID

ANS

1-64

M:Mandatory

The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.

USER ID

userID

ANS

1-64

M:Mandatory

Token

token

ANS

16-19

M:Mandatory

Token PAN

Credit Account Information

creditAccountInfo

Object

M:Mandatory

Encrypted with the public key of the Encryption Certificate. The payee’s account information.The "token" should be present.

Token PAN	token	AN	16-19	C:Conditional
Primary Account Number	pan	AN	1-40	C:Conditional
Account Number	accountNo	AN	1-40	C:Conditional
First Name	firstName	S	1-30	C:Conditional
Middle Name	midName	S	1-30	C:Conditional
Last Name	lastName	S	1-30	C:Conditional
Account Status	accountStatus	ANS	1-50	C:Conditional
Account Tier	accountTier	N	1-2	C:Conditional

Transaction Amount

trxAmt

ANS

1-13

M:Mandatory

Transaction Currency

trxCurrency

N

3

M:Mandatory

A 3-digit numeric value, as defined by [ISO 4217], that indicates the currency code of the balance. The mobile application can display the currency in a readable way, such as "RMB".

Transaction Note

trxNote

S

1-120

O:Optional

Descriptive Information of transaction

Risk Information

riskInfo

Object

O:Optional

GPS	gps	ANS	1-64	O:Optional	Components: +(-) latitude/+(-) longitude
SIM Card	simCard	Array	1-200	O:Optional	The mobile number of the SIM cards. The mobile phone may have more than one SIM card.
Application User ID	appUserID	ANS	1-64	O:Optional	An alias for the application user ID
User Enrollment Date	usrEnrolDate	N	6	O:Optional	YYMMDD, The date when the cardholder registers in the wallet.

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

MSGINFO

M:Mandatory

“msgType” value is “P2P_TRANSFER”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

O:Optional

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110338387931",
"timeStamp":"20190808110338",
"msgType":"P2P_TRANSFER",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"userID":"3333800261535744",
"token":"6292610308700265602",
"creditAccountInfo":"eyJhbGciOiJSU0ExXzUiLCJlbmMiOiJBMTI4Q0JDLUhTMjU2Iiwia2lkIjoiMTU1NTU3MDMwMiJ9.ZmL7bADf86yl-Q_AJOM9lTRUTqIMq_QwcWJUFpH-K5FUjm4G0Ulxjnf1yx_Vd8tUMl1qYYUJ_aCRLIpdeP1qNr4SuxPaTL_TTA7vt7zVi3DkmZMH0Wq4Gsbo3UY2y28YvYEM85TbSYCwVsOnrkeQvrfbvxGZvRHemA60HSsgbK2QNEyCn15vz6AZzmQT77Oa62EGjQmRVL-2YAudyONTq3giG1xLWKV1ZfQCRx4qmX6gQdKsHnbXkS-Xqkn26-mg2iBlZuZ7R4ObXUAYA3vGY9Gb2j9b1v8KbvD9tm9wbALicy2qeQqExDg76-_KfHJ101pb0m9zJIgUzaQroLX05w.YWE3NWU4ZGYyMjBlNDAwMw.RzAQa7fKNQ1vzCXCutNKar3MkgY-GeOIPMLoNxG-mVmuQnpLmjudWZZK0UVEEYZAJRyNGJvdWaO-G8Ka3aSoIVlGiHgALi3CXmNoPr51zu0.lYhN-t-vZ1DcNDxBAv7VKg",
"trxAmt":"1",
"trxCurrency":"156"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110338387931",
"timeStamp":"20190808110338",
"msgType":"P2P_TRANSFER",
"insID":"39999999"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

This interface is used to request a QR code payload in Consumer-presented QR Code Payment transaction.When the consumer selects a QR option, the mobile application may send a message and request a consumer-presented QR code payload,this request is sent by APPGW to SCIS.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “QRC_GENERATION”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID

deviceID

ANS

1-64

M:Mandatory

The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.

USER ID

userID

ANS

1-64

M:Mandatory

Token

token

N

16-19

M:Mandatory

Transaction Limit

trxLimit

ANS

1-13

O:Optional

CVM Limit

cvmLimit

ANS

1-13

O:Optional

Limit Currency

limitCurrency

N

3

C:Conditional

Present if either “trxLimit” or “cvmLimit” exists

Consumer-presented QRC Number

cpqrcNo

N

1-2

M:Mandatory

The mobile application is allowed to request more than one QR code. This field indicates the number of the requested QR codes.

Coupon Information

couponInfo

ANS

1-30

O:Optional

If sent in the request, the coupon information will be encoded in the QR Code payload.

Risk Information

riskInfo

Object

O:Optional

GPS	gps	ANS	1-64	O:Optional	Components: +(-) latitude/+(-) longitude
SIM Card	simCard	Array	1-200	O:Optional	The mobile number of the SIM cards. The mobile phone may have more than one SIM card.
Application User ID	appUserID	ANS	1-64	O:Optional	An alias for the application user ID
User Enrollment Date	usrEnrolDate	N	6	O:Optional	YYMMDD, The date when the cardholder registers in the wallet.

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “QRC_GENERATION”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

C:Conditional

Consumer-presented QRC Number	cpqrcNo	N	1-2	C:Conditional	The mobile application is allowed to request more than one QR code. This field indicates the number of the requested QR codes. Present if the response code is "00".
EMV Consumer-presented QR Code Payload	emvCpqrcPayload	Array	1-2048	C:Conditional	It contains the raw payload data. The array shall be as follows: "emvcpqrcPayload": [emv payload1, emv payload2, … , emv payloadN] Present if the response code is "00".
Barcode Consumer-presented QR Code Payload	barcodeCpqrcPayload	Array	1-2048	C:Conditional	It contains the raw payload data. The array shall be as follows: "barcodeCpqrcPayload": [barcode payload1, barcode payload2, … barcode payloadN] Present if the response code is "00".

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808105821706450",
"timeStamp":"20190808105821",
"msgType":"QRC_GENERATION",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"userID":"3333800261535744",
"token":"6292610358444335641",
"trxLimit":"100",
"cvmLimit":"1",
"limitCurrency":"156",
"cpqrcNo":"01"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808105821706450",
"timeStamp":"20190808105821",
"msgType":"QRC_GENERATION",
"insID":"39999999"
},
"trxInfo":
{
"cpqrcNo":"01",
"emvCpqrcPayload":["hQVDUFYwMWFYTwigAAADMwEBAVcTYpJhA1hEQzVkHSIQIBAAABiAH180AQBjM58mCFaLEtnaC9l/nycBgJ8QEQcAAQOgAAABCDM5OTk5OTk5nzYCAAGCAgAAnzcE6gZYyA=="],
"barcodeCpqrcPayload":["6236098835899996543"]
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

In Consumer-presented QR Code Payment transaction,if the transaction amount exceeds the wallet’s CVM limit,SCIS sends this request to the APPGW to perform CDCVM validation.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

MSGINFO

M:Mandatory

“msgType” value is “ADDITIONAL_PROCESSING”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID	deviceID	ANS	1-64	M:Mandatory
Token	token	ANS	16-19	M:Mandatory	Token PAN
EMV Consumer-presented QR Code Payload	emvCpqrcPayload	Array	1-2048	C:Conditional	The consumer-presented QR code payload (EMV format) used in the payment transaction. Only one payload is allowed to be present. Either "barcodeCpqrcPayload" or "emvCpqrcPayload" shall be present.
Barcode Consumer-presented QR Code Payload	barcodeCpqrcPayload	Array	1-2048	C:Conditional	The consumer-presented QR code payload (barcode) used in the payment transaction. Only one payload is allowed to be present. Either "barcodeCpqrcPayload" or "emvCpqrcPayload" shall be present.
Transaction Amount	trxAmt	ANS	1-13	M:Mandatory	The transaction amount. The mobile application can display the transaction amount to the cardholder. The transaction amount may be unequal to that in the payment request message due to the discount.
Transaction Currency	trxCurrency	N	3	M:Mandatory	A 3-digit numeric value, as defined by [ISO 4217], that indicates the currency code of the transaction. The mobile application can display the transaction currency in a readable way, such as "RMB".
Merchant Name	merchantName	S	1-40	M:Mandatory	The merchant name. The value of this field can be displayed on the mobile application to the cardholder.

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

MSGINFO

M:Mandatory

“msgType” value is “ADDITIONAL_PROCESSING”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Message Response

msgResponse

MSGRESPONSE

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"U39999999000000000000479353",
"timeStamp":"20190808105942",
"msgType":"ADDITIONAL_PROCESSING",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"token":"6292610358444335641",
"emvCpqrcPayload":["hQVDUFYwMWFYTwigAAADMwEBAVcTYpJhA1hEQzVkHSIQIBAAABiAH180AQBjM58mCFaLEtnaC9l/nycBgJ8QEQcAAQOgAAABCDM5OTk5OTk5nzYCAAGCAgAAnzcE6gZYyA=="],
"trxAmt":"2.22",
"trxCurrency":"344",
"merchantName":"testing merchant Macau MAC"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"U39999999000000000000479353",
"timeStamp":"20190808105942",
"msgType":"ADDITIONAL_PROCESSING",
"insID":"39999999"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

In Consumer-presented QR Code Payment transaction,if APPGW is requested to perform CDCVM validation,the CDCVM validation result will be sent by this interface to SCIS.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “ADDITIONAL_PROCESSING_RESULT”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID	deviceID	ANS	1-64	M:Mandatory
USER ID	userID	ANS	1-64	M:Mandatory
Token	token	N	16-19	M:Mandatory
EMV Consumer-presented QR Code Payload	emvCpqrcPayload	Array	1-2048	C:Conditional	The consumer-presented QR code payload (EMV format) used in the payment transaction. Only one payload is allowed to be present. Either "barcodeCpqrcPayload" or "eMvCpqrcPayload" shall be present.
Barcode Consumer-presented QR Code Payload	barcodeCpqrcPayload	Array	1-2048	C:Conditional	The consumer-presented QR code payload (barcode) used in the payment transaction. Only one payload is allowed to be present. Either "barcodeCpqrcPayload" or "eMvCpqrcPayload" shall be present.
Payment Status	paymentStatus	ANS	1-20	M:Mandatory	Valid Values: • "CONTINUING": The additional processing is successful, and the payment shall continue. • "REJECTED": The additional processing fails, and the payment shall be rejected
Rejection Reason	rejectionReason	S	1-100	C:Conditional	The rejection reason of the payment. Please refer to the Response Code and Message for details. Present if the PayMent Status is "REJECTED"

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “ADDITIONAL_PROCESSING_RESULT”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110025381863",
"timeStamp":"20190808110025",
"msgType":"ADDITIONAL_PROCESSING_RESULT",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"userID":"3333800261535744",
"token":"6292610358444335641",
"emvCpqrcPayload":["hQVDUFYwMWFYTwigAAADMwEBAVcTYpJhA1hEQzVkHSIQIBAAABiAH180AQBjM58mCFaLEtnaC9l/nycBgJ8QEQcAAQOgAAABCDM5OTk5OTk5nzYCAAGCAgAAnzcE6gZYyA=="],
"paymentStatus":"CONTINUING"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110025381863",
"timeStamp":"20190808110025",
"msgType":"ADDITIONAL_PROCESSING_RESULT",
"insID":"39999999"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

This interface is used by SCIS to notify APPGW of the result of the transaction.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “TRX_RESULT_NOTIFICATION”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID

deviceID

ANS

1-64

M:Mandatory

Token

token

ANS

16-19

M:Mandatory

Token PAN

TransactionMessage Type

trxMsgType

ANS

1-50

M:Mandatory

Valid Values: .• "CPQRC_PAYMENT". .• "P2P_TRANSFER". .• "CANCELLATION". .• "REFUND". .• "DEPOSIT". .• "WITHDRAW".

Original Message ID

origMsgID

AN

17-49

C:Conditional

Present if "trxType" is "CANCELLATION" or "REFUND"

Original Transaction Type

origTrxType

ANS

1-50

C:Conditional

Valid Values: .• "MPQRC_PAYMENT_EMV". .• "MPQRC_PAYMENT_URL". .• "CPQRC_PAYMENT". .• "P2P_TRANSFER". .• "DEPOSIT". .• "WITHDRAW". Present if "trxType" is "CANCELLATION" or "REFUND"

Account Information

accountInfo

Object

C:Conditional

Encrypted with the public key of the Encryption Certificate The payer’s account information.The "token" should be present. Present if "trxType" is "P2P_TRANSFER"

Token PAN	token	AN	16-19	C:Conditional
Primary Account Number	pan	AN	1-40	C:Conditional
Account Number	accountNo	AN	1-40	C:Conditional
First Name	firstName	S	1-30	C:Conditional
Middle Name	midName	S	1-30	C:Conditional
Last Name	lastName	S	1-30	C:Conditional
Account Status	accountStatus	ANS	1-50	C:Conditional
Account Tier	accountTier	N	1-2	C:Conditional

Transaction Amount

trxAmt

ANS

1-13

M:Mandatory

The transaction amount. The mobile application can display the transaction amount to the cardholder. The transaction amount may be unequal to that in the payment request message due to the discount.

Transaction Currency

trxCurrency

N

3

M:Mandatory

A 3-digit numeric value, as defined by [ISO 4217], that indicates the currency code of the transaction. The mobile application can display the transaction currency in a readable way, such as "RMB".

Discount Details

discountDetails

Array

O:Optional

The details of the discount, which should be displayed in the mobile application to notify the Consumer of the discount amount and note. If there is no discount, Discount Details and Original Amount should not be present.

Original Amount

originalAmount

ANS

1-13

O:Optional

The original amount, which should be displayed in the mobile application to notify the Consumer of the original amount. If there is no discount, Discount Details and Original Amount should not be present.

Transaction Note

trxNote

S

1-120

O:Optional

Descriptive Information of transaction

Merchant Name

merchantName

S

1-40

C:Conditional

The merchant name. The value of this field can be displayed on the mobile application to the cardholder. Present if exists.

QRC Voucher Number

qrcVoucherNo

ANS

1-20

C:Conditional

Populated by SCIS if it exists.

Payment Status

paymentStatus

ANS

1-20

C:Conditional

Valid Values: .• "APPROVED": The payment is approved. • "CANCELLED": The payment is cancelled. • "REFUNDED": The payment is refunded. • "REJECTED": The payment is rejected. Present if "msgType" is "CPQRC_PAYMENT" or "MPQRC_PAYMENT_EMV" or "MPQRC_PAYMENT_URL"

Rejection Reason

rejectionReason

S

1-100

C:Conditional

Present if the Payment Status is "REJECTED"

Reference No.

referNo

ANS

1-50

O:Optional

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “TRX_RESULT_NOTIFICATION”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"U39999999000000000000479381",
"timeStamp":"20190808110119",
"msgType":"TRX_RESULT_NOTIFICATION",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"token":"6292610358444335641",
"trxMsgType":"CPQRC_PAYMENT",
"trxAmt":"2.22",
"trxCurrency":"344",
"merchantName":"testing merchant Macau MAC",
"qrcVoucherNo":"20196220228224364010",
"paymentStatus":"APPROVED",
"rejectionReason":"APPROVED"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"U39999999000000000000479381",
"timeStamp":"20190808110119",
"msgType":"TRX_RESULT_NOTIFICATION",
"insID":"39999999"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

This message is sent by APPGW to SCIS to get the token of cash out.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “GET_CASH_OUT_TOKEN”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID	deviceID	ANS	1-64	M:Mandatory	The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.
USER ID	userID	ANS	1-64	M:Mandatory
Token	token	N	16-19	M:Mandatory	Token PAN
Transaction token type	trxTokenType	ANS	50	M:Mandatory	Valid Values: .• "WITHDRAW"
Transaction Amount	trxAmt	ANS	1-13	M:Mandatory
Transaction Currency	trxCurrency	N	3	M:Mandatory	A 3-digit numeric value, as defined by [ISO 4217], that indicates the currency code of the balance. The mobile application can display the currency in a readable way, such as "RMB".

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “GET_CASH_OUT_TOKEN”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

C:Conditional

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190809161518242996",
"timeStamp":"20190809161518",
"msgType":"GET_CASH_OUT_TOKEN",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"userID":"3331192801347584",
"token":"6292610308700265602",
"trxTokenType":"WITHDRAW",
"trxAmt":"20",
"trxCurrency":"156"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190809161518242996",
"timeStamp":"20190809161518",
"msgType":"GET_CASH_OUT_TOKEN",
"insID":"39999999"
},
"trxInfo":
{
"trxToken":"123456789012345678"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

This message is sent by APPGW to SCIS to inquiry the QRC information in Merchant-presented QR Code Payment(URL Mode) transaction

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “QRC_INFO_INQUIRY”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID	deviceID	ANS	1-64	M:Mandatory	The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.
USER ID	userID	ANS	1-64	M:Mandatory
Merchant-presented QR Code Payload	mpqrcPayload	S	1-512	M:Mandatory	It contains the raw payload data in the merchant-presented QR code.

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “QRC_INFO_INQUIRY”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

None

Transaction Amount	trxAmt	ANS	1-13	C:Conditional	The value in this field includes tip or convenience fee, if applicable. Present if the transaction amount is set on the UnionPay system, and the Response Code is "00"
Transaction Currency	trxCurrency	N	3	C:Conditional	A 3-digit numeric value, as defined by [ISO 4217], that indicates the currency code of the transaction. The mobile application can display the transaction currency in a readable way, such as "RMB". Present if the Response Code is "00".
QRC Use Case	qrcUseCase	N	2	C:Conditional	Present if the Response Code is "00". Valid Values: • "10": purchase transaction; • "11": purchase transaction, debit card only. Example: purchase finance products; • "12": purchase transaction in small businesses. • "20": ATM withdrawal. Reserved.• "31": P2P QRC payment, debit card only. Reserved.
Merchant Name	merchantName	S	1-40	C:Conditional	Present if the Response Code is "00".
Merchant Category Code	mcc	N	4	C:Conditional	Present if the Response Code is "00".
Merchant Country Code	merchantCountry	ANS	2	O:Optional
Merchant City	merchantCity	ANS	1-15	O:Optional
Postal Code	postalCode	ANS	1-10	O:Optional
Language Preference	languagePreference	AN	2	O:Optional
Merchant Name - Alternate Language	merchantNameAL	S	1-25	O:Optional
Merchant City – Alternate Language	merchantCityAL	S	1-15	O:Optional
Terminal ID	terminalID	ANS	1-15	O:Optional

Message Response

msgResponse

Object

M:Mandatory

Sample code

Request code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110302170477",
"timeStamp":"20190808110302",
"msgType":"QRC_INFO_INQUIRY",
"insID":"39999999"
},
"trxInfo":
{
"deviceID":"1b5ddc2562a8de5b4e175d418f5b7edf",
"userID":"3333800261535744",
"mpqrcPayload":"https://qr.95516.com/00010000/01013322007738839278020885218770"
}
}

Response code

Other

{
"msgInfo":
{
"versionNo":"1.0.0",
"msgID":"A3999999920190808110302170477",
"timeStamp":"20190808110302",
"msgType":"QRC_INFO_INQUIRY",
"insID":"39999999"
},
"trxInfo":
{
"trxCurrency":"156",
"qrcUseCase":"10",
"merchantName":"Test Merchant",
"mcc":"5811"
},
"msgResponse":
{
"responseCode":"00",
"responseMsg":"Approved"
}
}

Interface description

A request of EMV standard merchant-pressented QRC payment transaction sent by APPGW.

Request Parameter

Field name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “MPQRC_PAYMENT_EMV”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Device ID

deviceID

ANS

1-64

M:Mandatory

The distinctive value associated to a device. It shall be IMEI for Android mobile, and IDFV for iOS mobile.

USER ID

userID

ANS

1-64

M:Mandatory

Token

token

N

16-19

M:Mandatory

Token PAN

Transaction Amount

trxAmt

ANS

1-13

M:Mandatory

It is either key-entered by consumer or captured by the consumer mobile application from the merchant-presented QRC data, ID "54". The value in this field includes tip or convenience fee, if applicable. The transaction amount in the response message shall be the cost amount. The transaction amount in the response message may be unequal to that in the request message due to the discount.

Transaction Currency

trxCurrency

N

3

M:Mandatory

A 3-digit numeric value, as defined by [ISO 4217], that indicates the currency code of the transaction. The mobile application can display the transaction currency in a readable way, such as "RMB".

Transaction Fee Amount

trxFeeAmt

ANS

1-13

C:Conditional

The tip or the convenience fee. Present if the Tip or Convenience Fee exists

Merchant-presented QR Code Payload

mpqrcPayload

S

1-2048

M:Mandatory

It contains the raw payload data in the merchant-presented QR code.

Coupon Information

couponInfo

ANS

1-30

O:Optional

If sent in the request, the coupon information will be encoded in the QR Code payload.

Transaction Note

trxNote

S

1-120

O:Optional

Descriptive Information of transaction

Merchant Info

merchantInfo

Object

M:Mandatory

Forwarder IIN	fwdIIN	AN	8	M:Mandatory
Merchant ID	mid	ANS	15	M:Mandatory
Merchant Name	merchantName	S	1-40	M:Mandatory
Merchant Category Code	mcc	N	4	M:Mandatory
Merchant Country Code	merchantCountry	ANS	1-3	M:Mandatory
Card Acceptor Terminal Identification	termId	ANS	8	M:Mandatory
Agent Code	agentCode	ANS	15	M:Mandatory

Risk Information

riskInfo

Object

O:Optional

GPS	gps	ANS	1-64	O:Optional	Components: +(-) latitude/+(-) longitude
SIM Card	simCard	Array	1-200	O:Optional	The mobile number of the SIM cards. The mobile phone may have more than one SIM card.
Application User ID	appUserID	ANS	1-64	O:Optional	An alias for the application user ID
User Enrollment Date	usrEnrolDate	N	6	O:Optional	YYMMDD, The date when the cardholder registers in the wallet.

Additional Data

additionalData

Object

C:Conditional

Present if the template "62" exists in the Merchant Presented QRC.

Bill Number	billNo	ANS	1-25	C:Conditional	The invoice number or bill number. It may be provided by the merchant or entered by the consumer. Present if the ID "01" under template "62" exists in the Merchant Presented QRC.
Mobile Number	mobileNo	ANS	1-25	C:Conditional	The Mobile Number to be used for multiple use cases, such as mobile top-up and bill payment. It may be provided by the merchant or entered by the consumer. The mobile number may be different from the consumer mobile number, which will be passed to the acquirer/merchant as additional information. Present if the ID "02" under template "62" exists in the Merchant Presented QRC.
Store Label	storeLabel	ANS	1-25	C:Conditional	A distinctive value associated to a store. It may be provided by the merchant or entered by the consumer. Present if the ID "03" under template "63" exists in the Merchant Presented QRC.
Loyalty Number	loyaltyNumber	ANS	1-25	C:Conditional	Typically, a loyalty card number. It may be provided by the merchant or entered by the consumer. Present if the ID "04" under template "63" exists in the Merchant Presented QRC.
Reference Label	referenceLabel	ANS	1-25	C:Conditional	Any value defined by the merchant or acquirer in order to identify the transaction. It may be provided by the merchant or entered by the consumer. Present if the ID "05" under template "64" exists in the Merchant Presented QRC.
Customer Label	customerLabel	ANS	1-25	C:Conditional	Any value identifying a specific consumer. It may be provided by the merchant or entered by the consumer. Present if the ID "07" under template "64" exists in the Merchant Presented QRC.
Terminal Label	terminalLabel	ANS	1-25	C:Conditional	A distinctive value associated to a terminal in the store. It may be provided by the merchant or entered by the consumer. Present if the ID "07" under template "64" exists in the Merchant Presented QRC.
Purpose of Transaction	trxPurpose	S	1-25	C:Conditional	Any value defining the purpose of the transaction. It may be provided by the merchant or entered by the consumer. Present if the ID "08" under template "65" exists in the Merchant Presented QRC.
Email Address of the Consumer	consumerEmail	S	1-100	C:Conditional	The information requested should be provided by the mobile application in the authorization without unnecessarily prompting the consumer. It will not be verified in the payment procedure, but be provided to the acquirer/merchant as additional information. Present if the ID "09" under template "62" contains value "E" in the Merchant Presented QRC
Address of the consumer	consumerAddress	S	1-100	C:Conditional	The information requested should be provided by the mobile application in the authorization without unnecessarily prompting the consumer. It will not be verified in the payment procedure, but be provided to the acquirer/merchant as additional information. Present if the ID "09" under template "62" contains value "A" in the Merchant Presented QRC
Mobile number of the consumer	consumerMobileNo	ANS	1-25	C:Conditional	The information requested should be provided by the mobile application in the authorization without unnecessarily prompting the consumer. It will not be verified in the payment procedure, but be provided to the acquirer/merchant as additional information. Present if the ID "09" under template "62" contains value "M" in the Merchant Presented QRC

Synchronous Response parameters

Filed name

Identifier

Type

Length

Request

Default value

Note

Message Information

msgInfo

Object

M:Mandatory

“msgType” value is “MPQRC_PAYMENT_EMV”

Version Number	versionNo	ANS	5	M:Mandatory	Valid Value: "1.0.0"
Message ID	msgID	AN	17-49	M:Mandatory	It is used to match a response to its request. The value must be unique on any message and any day. The value in the response must match the value in the request. Note: Components: "A"/”M”/”U”+ INS ID +Serial Number. "A" is used to indicate this request is generated from an application gateway institutions system. "M" is used to indicate this request is generated from a member institutions system. “U” is used to indicate this request is generated from the UPI system.
Time Stamp	timeStamp	N	14	M:Mandatory	Format: YYYYMMDDhhmmss.The value in the response must match the value in the request.
Message Type	msgType	ANS	1-50	M:Mandatory
INS ID	insID	AN	1-16	M:Mandatory	The distinctive value associated to a institution.

Transaction Information

trxInfo

Object

M:Mandatory

Card Product

Online Payment

Mobile QuickPass

QR Code

Cross-Border B2B Service

Token Program

SaaS Card Issuing Service Platform

Block Chain

Platforms

Global Service

Digital Solutions

Industry Solutions

Deferred Online ODA Mode

Real-Time Mode

Frictionless Parking

Transit QR Code Mode