UPI Transit Service Platform (UTSP) provides the interface services of trip payment, trip void, Transit QRC application, and etc., for transit operator systems and application gateways.
This set of API provides all the necessary functions, allowing transit operators and application gateways to connect to UTSP with JSON message.
UPI Transit QR Code enables both offline and online generation mode on the App, together with offline validation on the terminals, independent of network environment.
UTSP provides an open solution for transit industry. The service can be enrolled from any App that supports UPI Transit QR Code Payment and transaction can be initiated from any transit operator that accepts UPI Transit QR Code.
Journey fare can be paid in a frictionless way.
Security is a basic requirement for payments. UPI Transit QR Code adopts payment tokenization to guarantee payment security. UTSP provides comprehensive risk control mechanism, making sure of safety and lowering transaction failure loss.
When transit operators want to accept UPI Transit QR Code Payment and APP Providers want to integrate UPI Transit QR Code Payment function, providing such service to their users.
1.Acquirers should get UPI QR Code acquiring certificate in advance.
2.Transaction types supported should include Trip payment, Trip void and result inquiry.
3.Transit Operators shall connect to UTSP only through API.
4.APP Providers shall connect to UTSP through API.
5.For encoding specification of UPI Transit QR Code, please refer to 'UPI Transit QR Code' column.
Under the UnionPay Transit QR Code mode, cardholders will need to bind their UnionPay cards to a mobile application in advance or directly use the UnionPay App.
1. During the journey, passenger clicks the ‘Transit QR Code’ function in the App’s module and displays the transit QR Code.
2. After scanning the code, the terminal will do offline validation and let the passengers in
3. Terminal will upload the journey information to the Transit Operator Backend System, which will forward the journey info to UPI.
4. Transit Operator Backend System shall construct the journey and calculate the fare according to the journey information uploaded by the terminal.
5. Transit Operator Backend System uploads the transactions directly to UPI Backend System to perform deferred deduction.
6. UPI will forward the payment request to Issuer systems to complete the transactions.
7. UPI will send payment response to both transit operators and App.
1. Transit Operator Public Key Download
After the transit operator registers in UTSP or when the existing transit operator public key is expired, the transit operator backend system can submit the TRANSIT_PUBLIC_KEY_DOWNLOAD request message to UTSP, to download the new transit operator public key. The Transit Operator Public Key should be distributed to all the terminals.
The flow of transit operator public key download is as follows.
1.1 The Transit Operator Backend System initiates the TRANSIT_PUBLIC_KEY_DOWNLOAD request message with the transit operator ID to UTSP.
1.2 UTSP returns the transit operator public key in the response message.
When the Transit Operator Backend System does not receive the TRANSIT_PUBLIC_KEY_DOWNLOAD response message from UTSP within 60 seconds, the Transit Operator Backend System can resend the TRANSIT_PUBLIC_KEY_DOWNLOAD request message.
2. Trip Information Notification
After the transit QRC has been scanned by the terminal and the passenger enters or exits the station, the transit operator should submit the TRIP_INFO_NOTIFICATION request message to UTSP, to inform UTSP the trip information of the passengers. UTSP will transfer the journey information to the App, from which the passengers can be informed. Trip Information Notification is optional, depends on the real-time online ability of the terminals.
The flow of trip information notification transaction is as follows.
1 Transit QR Code Generation
1.1 Cardholder requests a Transit QR Code via App.
1.2 App Gateway requests a Transit QR Code (including elements such as User_ID, Transit Operator ID, Transit QR Code Valid time, Transit QR Code Generation time, etc.) from UTSP and displays it on the screen. Transit QR Code can be generated online or offline.
2 Code Scanning
3 Journey Info Update
3.1 Terminal uploads the journey info (entrance/exit) to Transit Operator Backend Systems.
3.2 Transit Operator Backend Systems submit TRIP_INFO_NOTIFICATION to UTSP.
3.3 UTSP updates the journey info to App gateway.
3.4 App notifies the cardholder of the journey history.
3. Trip Payment
After the passengers completes the trip and the transit operator backend system finishes the journey construction and fare calculation. The transit operator backend system initiates the TRIP_PAYMENT request message to UTSP.
The flow of trip payment transaction is as follows.
4.1 Transit Operator Backend System constructs the journey from the journey info and calculates the fare for each.
4.2 Transit Operator Backend System TRIP_PAYMENT request message (including elements such as Merchant ID, Transit Wallet ID, Back URL, Payment Order Number, Transaction amount, Transaction currency, etc.) to UTSP.
4.3 UTSP returns TRIP_PAYMENT response message to Transit Operator Backend System.
4.4 UTSP recieves payment response.
4.5 Trip Result Notification
4.5.1 UTSP sends the transaction result notification to Transit Operator.
When the Transit Operator Backend System does not receive the TRIP_RESULT_NOTIFICATION response message from UTSP within 120 seconds after the transit operator backend system receives the TRIP_PAYMENT response message, the Transit Operator Backend System can initiate a TRX_RESULT_INQUIRY request message to UTSP to check the transaction status.
4. Trip Void
If the Transit Operator Backend System intends to cancel the trip payment transaction, it will submit the TRIP_VOID request message to UTSP using the message ID of the TRIP_PAYMENT message, which is also applicable for refund transactions.
The flow of trip void transaction is as follows.
1.1 Transit Operator initiates a TRIP_VOID request to UTSP.
1.2 UTSP returns TRIP_VOID response message to Transit Operator Backend System.
1.3 UTSP was informed of the transaction result.
1.4 UTSP send trip result notification to Transit Operator Backend System.
The UPI Transit QR Code payment means that the passengers can use the transit QR Code displayed on the cardholders’ APP and get scanned at the terminal to take the public transportation. For UPI Transit QR Code information, please download it in FAQ and Documentation.
a)Transit Operators should define the scope of the project, e.g. Metro or Bus?
b)Transit Operators should sign an agreement with UPI about the acceptance of UPI Transit QR Code.
Terminal vendors should develop according to UPI specifications.
Transit Operator systems should be enhanced according to UPI specifications, supporting fare calculation and UPI Transit QR Code transactions.
Transit Operators, together with terminal vendors should finish both function and integration test.
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