• Issuing Virtual Card

The applicant applies for a new virtual card, Issuer will verify the application information and open a new account, the SCIS issue a new virtual card binding with the new account.

1. The App Gateway submits KYC_VERIFICATION request to the SCIS.

2. The SCIS forwards the request to the Core Banking System.

3. The Core Banking System verify the applicant’s information provided in the request and returns KYC_VERIFICATION response to the SCIS.

4. The SCIS forwards the KYC_VERIFICATION response to the App Gateway.

5. The App Gateway receives the KYC_VERIFICATION response, if the verification result is “AppROVED”, App Gateway submits OPEN_ACCOUNT request to the SCIS, the OPEN_ACCOUNT request will reference to the KYC_VERIFICATION.

6. The SCIS forwards the request to the Core Banking System.

7. The Core Banking System opens a new account base on the OPEN_ACCOUNT request and the  referenced KYC_VERIFICATION, Core Banking System returns OPEN_ACCOUNT response to the SCIS.

8. The SCIS receives the OPEN_ACCOUNT response and issues a new virtual card binding with the new account. SCIS returns OPEN_ACCOUNT response to the App Gateway, App Gateway get the new virtual card information and the new token information in the response message.

• Merchant-presented QR code payment(EMV mode)

The cardholder scans merchant’s QR code to get merchant’s information and initiates payment transaction, the SCIS checks the payment transaction and requests the issuer to debit cardholder’s account.

1. The App Gateway submits MPQRC_PAYMENT_EMV request to the SCIS.

2. The SCIS checks the payer’s card information provided in the MPQRC_PAYMENT_EMV request and submits DEBIT_TRANSACTION request to the Core Banking System.

3. The Core Banking System checks the account information provided in the DEBIT_TRANSACTION request and debit the account.The processing result is returns to the SCIS by DEBIT_TRANSACTION response.

4. The SCIS receives the DEBIT_TRANSACTION response, and returns MPQRC_PAYMNET_EMV response to the App Gateway.

• Merchant-presented QR code payment(URL mode)

The cardholder scans QR code of merchant in mainland China to get merchant’s information and initiates payment transaction, the SCIS checks the payment transaction and requests the issuer to debit cardholder’s account.

1. The App Gateway submits QRC_INFO_INQUIRY request to the SCIS.

2. The SCIS receives QRC_INFO_INQUIRY request and returns QRC_INFO_INQUIRY response to the App Gateway.

3. The App Gateway get merchant information in the QRC_INFO_INQUIRY response,and submits MPQRC_PAYMENT_URL request to the SCIS.

4. The SCIS checks the payer’s card information provided in the MPQRC_PAYMENT_URL request, and submits DEBIT_TRANSACTION request to the Core Banking System.

5. The Core Banking System checks the account information provided in the DEBIT_TRANSACTION request and debit the account.The processing result is returns to the SCIS by DEBIT_TRANSACTION response.

6. The SCIS receives the DEBIT_TRANSACTION response, and returns MPQRC_PAYMNET_URL response to the App Gateway.

• Consumer-presented QR code payment

After the merchant scans the QR Code presented in the App, the merchant will submits a QRC payment request, the SCIS checks the payment transaction and requests the issuer to debit cardholder’s account.

Part 1: QRC Generate

1. The App Gateway submits QRC_GENERATION request to the SCIS.

2. The SCIS receives QRC_GENERATION request and returns QRC_GENERATION response to the App Gateway, App Gateway get the consumer-presented QR code in the response.

Part 2: Consumer-presented QR Code Payment

1. The merchant scans the QR Code presented in the App and submits Payment request, if the transaction amount of the Payment request exceeds the wallet’s CVM limit,an ADDITIONAL_PROCESSING request is sent to the App Gateway.

2. The App Gateway accepts the ADDITIONAL_PROCESSING request and sends ADDITIONAL_PROCESSING response to the SCIS.

3. The App Gateway notifies cardholder to input verification information on the App, and sends ADDITIONAL_PROCESSING_RESULT request to the SCIS.

4. The SCIS receives ADDITIONAL_PROCESSING_RESULT request and returns ADDITIONAL_PROCESSING_RESULT response to the App Gateway.

5. If the ADDITIONAL_PROCESSING_RESULT request authorizes to continue the payment transaction, the SCIS submits DEBIT_TRANSACTION request to the Core Banking System.

6. The Core Banking System checks the account information provided in the DEBIT_TRANSACTION request and debit the account. The processing result is returns to the SCIS by DEBIT_TRANSACTION response.

7. The SCIS receives the DEBIT_TRANSACTION response and sends TRX_RESULT_NOTIFICATION request to the App Gateway.

8. The App Gateway receives the notification request and returns TRX_RESULT_NOTIFICATION response to the SCIS, the App Gateway notifies the cardholder the payment result. 

• Bill Payment

The App Gateway initiates Bill Payment request, the issuer debits the cardholder’s account and credits the preset merchant’s account.

1. The App Gateway submits BILL_PAYMENT request to the SCIS.

2. The SCIS receives the BILL_PAYMENT request and submits DEBIT_TRANSACTION request to the Core Banking System.

3. The Core Banking System checks the account information and merchant information provided in the DEBIT_TRANSACTION request, the Core Banking System debits the payer’s account and credits the merchant’s account.The processing result is returns to the SCIS by DEBIT_TRANSACTION response.

4. The SCIS receives the DEBIT_TRANSACTION response, and sends BILL_PAYMENT response to the App Gateway.

• Credit Transaction

The App Gateway initiates Credit Transaction request, the issuer debits the preset merchant’s account and credits the cardholder’s account.

1. The App Gateway submits CREDIT_TRANSACTION request to the SCIS.

2. The SCIS receives the CREDIT_TRANSACTION request and submits CREDIT_TRANSACTION request to the Core Banking System.

3. The Core Banking System checks the account information and merchant information provided in the CREDIT_TRANSACTION request, the Core Banking System debits the merchant’s account and credits the  payee’s account.The processing result is returns to the SCIS by CREDIT_TRANSACTION response.

4. The SCIS receives the CREDIT_TRANSACTION response, and sends CREDIT_TRANSACTION response to the App Gateway.

• P2P Transfer

The App Gateway initiates P2P Transfer request, the issuer debits the payer’s account and credits the payee’s account.

1. The App Gateway submits P2P_TRANSFER request to the SCIS.

2. The SCIS receives the P2P_TRANSFER request and checks the card information provided in the request, the SCIS forwards the P2P_TRANSFER request to the Core Banking System.

3. The Core Banking System checks the account information provided in the P2P_TRANSFER request, the Core Banking System debits the payer’s account and credits the payee’s account. The processing result is returns to the SCIS by P2P_TRANSFER response.

4. The SCIS receives the P2P_TRANSFER response, and forwards to the App Gateway.

Step 1: Apply for institution code and card BIN.

Step 2: Apply to access SCIS.

Step 3: Product Testing.

Step 4: Business Launch.

Please submit order in support center to contact us.