UPI QR Code product can be integrated into mobile Apps to support a low-cost, convenient and secure innovative payment method, where consumers can either display a payment QR Code for merchants to scan (Consumer-Presented) or scan merchant's static/dynamic QR Code (Merchant-Presented) to enter payment amount.
This set of APIs provide all the necessary functions, allowing mobile App providers to connect to UPI system and support UPI QR Code payment in both Merchant-Presented and Consumer-Presented mode.
Cost-effective
UPI QR Code is a low-cost payment solution that can work on any smart phone with screen and camera, and on any mobile OS platform, including Android and iOS, with no reliance on mobile phone manufacturers for cardholders.
Security
Security is a basic requirement for payments. UPI adopts various anti-risk measures to ensure whole transaction’s safety, including CDCVM evolved from PIN or signature for user's authentication & verification, together with tokenization technology to avoid exposure risk of card or account info.
Interoperability
UPI QR Code is compatible with EMVCo standard, making it standardized and globally interoperable.
Integrity
UPI QR Code payment sticks to four-party mode which is consistent with bank card transaction except for information interaction. UPI QR Code payment has a whole integrated business mechanism, risk control and techniques to assure cardholders' capital safety.
When mobile App providers want to integrate UPI QR Code Payments function and connect to UPI system to provide QR Code payment service to their users.
1. APIs in QR Code App Gateway include message flows and message requirements for mobile App gateway to support UPI QR Code payments, such as PAN enrollment, Account Verification, Token service, Lifecycle management of cards, etc. Please find 16 APIs in ‘APIs Included’ column.
2. Mobile App shall support both Merchant-Presented and Consumer-Presented QR Code payments mode to work in different scenarios;
3. Mobile App that integrate UPI QR Code payment shall support both EMV mode (mainly used outside of mainland China) and URL mode (mainly used in mainland China)
4. Before using QR code payment service, mobile App shall guide users to link intra-bank/inter-bank UnionPay card in that App. Users provide card no. and pass cardholder identification and OTP verification to complete card registration.
5. Customer-Presented QR Code: When consumer clicks “QR Code Pay” in the App main page, App will request both EMV QR code and URL mode barcode from UnionPay system and display them separately for merchant to scan. When App fails to detect consumer’s location, it shall allow users to manually switch the QR Code by clicking “Global QR Code” or “QR Code in China” at the bottom of the page.
6.Merchant-Presented QR Code: Merchant-Presented QR Code payment allows consumers to scan merchants’ QR code, then initiate payment in the mobile App. After completing transaction, both merchant and consumer will receive notification.
7.For encoding specification of consumer-presented and merchant-presented code, please refer to 'Documentation' column.
8.It is recommended to use JAVA to test QR App Gateway interfaces
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Sign in
Search {"certificateSignature":{"appSignCertID":"1508406698","umpsEncCertID":"59C4A65E","signature":""},"msgInfo":{"msgID":"A3999000220171016093501556176","msgType":"PAN_ENROLLMENT","timeStamp":"20171016093501","versionNo":"1.0.0","walletID":"39990002"},"trxInfo":{"deviceID":"4A728036-3DB0-4723-9CC6-D781CF5EBC1A","pan":"6227899809938060"}}
{"trxInfo":{"deviceID":"28e5846283dc4b768814d485ff5a401d","enrolID":"216807","cvm":["mobileNo"],"tncID":"27520702","tncURL":"https://www.baidu.com"},"msgInfo":{"versionNo":"1.0.0","msgType":"PAN_ENROLLMENT","msgID":"20200415144742004942","timeStamp":"20200415144742","walletID":"39990004"},"msgResponse":{"responseCode":"00","responseMsg":"Approved"},"certificateSignature":{"umpsSignCertID":"1508413609","signature":"oF9uZ2OWjkoE9bTcBW9VJI6k9OKzcexIu/ZRjQDn2bV4jiK+YSPzJZVo1gQkPeuyr5wz1TKZArSF+ngLSGh2BRbNJ3qa1t7IHnRuMgvo+jivEbtQMw6pHu+N8Avj0G2ruYJAYZEpXT79wjI15N8t6cUFbZkoeZqcm1wE1/cwGDiAyGztdM0X2/Q+YrKfEXc4fRzeiP/VdpStOEF45iuJpgfhVy0pyyygLaYRFDumV6amD2lVBB/ziCVAPsqVQaN9+DRcvnGwZRP3mTdZkIKW3vkj3HWwSZJsmXHN/8yUHBRxSW21OkLEc/rv5KheByPNpzpvZuSqK9wZrTeuENAhuA=="}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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{"msgInfo":{"versionNo":"1.0.0","msgID":"20200415144747004943","timeStamp":"20200415144747","msgType":"ACCOUNT_VERIFICATION","walletID":"39990004"},"trxInfo":{"deviceID":"28e5846283dc4b768814d485ff5a401d","enrolID":"216807","cvmInfo":"Q6+G3p3LDf2axZ7umvrO2/YFl7TFET2QcXpGCWM1n6VgQKsj6AkuHscabN2JjbfU9bQVvNGKAoP2h73kzMATzmVbb5mCTY2uQB01j1ixFG2ocIwlpP5if3JUwbDi4SScFi9ui5qEuT4+qU2gTF7NmTIEWRHNSmFZeKWIcEnMD7/s4ZhV7ioCQjdO+HnSCr6NbIeyEcpR6CPrTyZyw2k+yOJodL+rjNOIoqLdmNix6zn5qlYD95KmFD4NJal84OFM3qtx3xBn9WpT8PZIZKccm03+9la0YZ/WN8ESAJ50ZQPU6eG8Qhs4+7/8Lwh2Cb4JD5PDETJxn0xR5oINb2zZXA=="},"certificateSignature":{"appSignCertID":"1509455488","umpsEncCertID":"1508413608","signature":"LYSZ8Ni06mQbN9QZSS/aeIi9UQ08z+MemZkygDUDtnmHMp7Ny1QoRsPiHyAe9f27mR+5a4M0T4dygc7uA1k39/OfCD8tBd0kGrR/vysNj88WOsg129tOeGTmepHmfpo+lbJtiBgx7AhhuWXixpEbeP4X5ur4OPl8m4L7/Lhs6VP3ZFep9j0zh09tTvk1MY7YudeVH0eaOMv5KA1b2nZgkiEelQgzZCCd9YYneeT+TOG3iV6Ao6aEaZ0Nkl78j/gL35g5+sOoWa5b9bzno0ZK9iqsZeIBbU3cblVm6Yt+bn8L9OERES7geh45sTBxSgssl8RysmRaLXoJikDVclgFng=="}}
{"trxInfo":{"deviceID":"28e5846283dc4b768814d485ff5a401d","enrolID":"216807","otpMethod":["1"]},"msgInfo":{"versionNo":"1.0.0","msgType":"ACCOUNT_VERIFICATION","msgID":"20200415144747004943","timeStamp":"20200415144747","walletID":"39990004"},"msgResponse":{"responseCode":"00","responseMsg":"Approved"},"certificateSignature":{"umpsSignCertID":"1508413609","signature":"NscyrQxAcplB+mNqVl7yZoIbVtWRR80x+B7F/JPLLqz5kvTsoEKGL7n1EZNl1afInZj+i6SFAjgTZ8Jau+1B1JR+wq9WH8kNGHrz87NR/DJtdCWQUjYTuKuD7INykVx29gh4EXzy4BvcxTCF73qXd9I57ZKu1VMe2ph8Hw9KWeagK41ii8S+KkkO7vgK5lDgOe4xIdq3UJE/JR2/y58rbDVVW5N78/zJHjXbDWBRJ41VFzz7SAyKZKn8p9j+IoW8iGsR7fIqmf5ratrvwUUr+VFw1nN4p9mFmcaYIzQOcFdzfdpJ2aBiHSlO4e3UkWg34rkpTYARF5nNXTRdzIjJMA=="}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
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{"trxInfo":{"deviceID":"A3B52F8564AB42073F8CBC94568D3F3A7706E5274C650DDC76AC1C34642E3F54","enrolID":"216613","supportedOtpMethod":"1"},"msgInfo":{"versionNo":"1.0.0","msgType":"SENDING_OTP","msgID":"A00010344200414051817000011","timeStamp":"20200414051817","walletID":"00000001"},"certificateSignature":{"appSignCertID":"201806211822","signature":"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"}}
{"trxInfo":{"deviceID":"A3B52F8
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{"msgInfo":{"versionNo":"1.0.0","msgID":"20200415144750004944","timeStamp":"20200415144750","msgType":"TOKEN_PROVISIONING","walletID":"39990004"},"trxInfo":{"deviceID":"28e5846283dc4b768814d485ff5a401d","enrolID":"216807","tncID":"27520702"},"certificateSignature":{"appSignCertID":"1509455488","umpsEncCertID":"1508413608","signature":"vGzM4Upf2Cgsrw8t2cJzkConwNIrZzzjjyhWSSJkG/DN+kMndQGfJZ12WKyq/jo7i/zHJagRcmKxY4iQGgPH3YFKTq6M4qQTtRAxTVG0Qdx4qgePuphM03QuPL25XPeLVBoZfJ1f8h+9P+TZWS/ukFg2bd44TrrPjZebeyxcpGmnJgj2CFiObLt7zv9y5hv24nwummCGNwvL/2hPmG5hmXt5cdWLmJ+Zxujgon6OrcHTuseajVk4wmKCrHUhqKLs/h4YREXr4gAmtcwdDOFvN592Cr+3Dq0+FoPcRemrTa9JdnSMiL6MFzPQSCvDNbTtffrD5CTrZKrTaQ5tA6NN8g=="}}
{"trxInfo":{"deviceID":"28e5846283dc4b768814d485ff5a401d","enrolID":"216807","token":"6263600779297254","cardfaceID":"76","maskedPAN":"624466******8979","maskedToken":"626360******7254","par":"UP00BGUFX0B612TI6CBH1O37DPNIY","tokenState":"INITIALIZED","tokenExpiry":"251013000000","tokenRefID":"256701"},"msgInfo":{"versionNo":"1.0.0","msgType":"TOKEN_PROVISIONING","msgID":"20200415144750004944","timeStamp":"20200415144750","walletID":"39990004"},"msgResponse":{"responseCode":"00","responseMsg":"Approved"},"certificateSignature":{"umpsSignCertID":"1508413609","signature":"H9exUqZgrfrkG0nt+hN6erdZ7EZ2vBkjJxOzKH++eDhF6BOTHedJE/oCguN4dq5pw5y/exuNJLubcIyXNXP5UcF+zdDsIIOvt03dzdxmgz9zxAVe3HQOZ1+mSE8OflpuzV5ylT+6USG6HCvvElJX/E66eeLqye64v07sOipL4XnyXtUQUnsxybReAUHefn8sM56oTw+twl/jTz+gvW6BqZFZLVnXnwlSCtR5wxW3rSkrYCsH8hFZDH0VmB8E+NiFsSJl1FdTLbUlN17IhOwnkA3cZ6myjsTFSfbSaZ0/wgHRlgw/Mv3Rua/gNqwwGbbHrkL0M9FrGbEWbnYty5TzAQ=="}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
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{"certificateSignature":{},"msgInfo":{"msgID":"A3999000220171016093640556184","msgType":"TOKEN_PROVISIONING","timeStamp":"20171016093640","versionNo":"1.0.0","walletID":"39990002"},"trxInfo":{"deviceID":"4A728036-3DB0-4723-9CC6-D781CF5EBC1A","enrolID":"57043","otpValue":"085670","tncID":"99900702"}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
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Message Response | msgResponse | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Message Response | msgResponse | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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{"trxInfo":{"expiryDate":"08/21","useCaseIndicator":["QRC"],"cvm":["expiryDate","cvn2","mobileNo"],"pan":"aqBtsUh7AlvHMfeok2GZuuyWHlN2IWWRli/OHA/OdGtY6uZgyDvFKa1UgtU3O4HPWMY+8Jq3OiIf2aIbfsobcjGjShgBhd8c7006KiXlCVuzAR2erSmYtGCu7Kux2Af6jMrIGSB47bCKxhTBQsAw6tbUe5ER6+6sFECUB9QObIF/7GF1Pv1xoKE5qa4F6zjVIVpdHkny3w6zznUQT2WHcUrgYmsQaLOGmjMYmtXzoMZnReHTfORVJgXsiw1TmnFZX4xX9id1TXGF2XPRpy1d6hoY4IE7ku7cXM7QQfjJ6Jf6bB5HrxWvzpqXzoy8DxcFeyKx4sQ5OvbVgl6I6BEo3Q==","deviceID":"EB736206-AC5E-42C7-BCFA-79D4319C5294"},"certificateSignature":{"appSignCertID":"10050016685734906787","signature":"JXMo2DZcNFjtwjf7x9kWZFvORlpK1ocPvRml4VIZPi79DeKjeF1hxZE8jxjxJipymeyf9G0U/Zf2YgQ6uYslcc4ObIxHMWe5OJGccrJNhIfffcZIMRBPEtFNPoiQNibiUq0inRPFa5ISyDZ+E7eg61UnJgCN6ImWHrIRawj0Uqnx6Ufmw4A8O39tTVeoi4MVFZzArMc8mQni/AIF61D4EyjE49RTICP4SPOulMxmn06TNTF/6PTtgnVR8aiX0CK/OEA/x3bMXztVjmx+kghsKF3JP1gt+64R1eTg+w+R9BIJI73666rwxaJfHIEpv1S3vrRfRvy6x+QxaSj8hEiKNg==","umpsEncCertID":"1543312300"},"msgInfo":{"timeStamp":"20200415174302","walletID":"39990080","msgType":"TOKEN_REQUEST","versionNo":"1.0.0","msgID":"A3999008020200415174302471364"}}
{"trxInfo":{"deviceID":"EB736206-AC5E-42C7-BCFA-79D4319C5294","token":"6291103371154201","maskedPAN":"624488******0675","maskedToken":"629110******4201","par":"UP001E6VLL6GNBH9ZAF2IHE0RG33J","tokenState":"ACTIVE","tokenExpiry":"211205000000"},"msgInfo":{"versionNo":"1.0.0","msgType":"TOKEN_REQUEST","msgID":"A3999008020200415174302471364","timeStamp":"20200415174302","walletID":"39990080"},"msgResponse":{"responseCode":"00","responseMsg":"Approved"},"certificateSignature":{"umpsSignCertID":"1543312301","signature":"VHMZl40SP7X3+7AL4OA0/2BnXO7IuXCqHhO1SBPIfPgVy25YCS8URPY0W8TkLiQ0RixaLRjj5a6H35sFMZFrvNJZOkqTZjcvpWJ/chOcfC/X95KqyT3HRLhQKgYy3tjVASWLwbBNI3Pj0hRDvi+qqbg8qDVFP3QMiCIWqhetiEu8hB5OEw0CgSSiZk5ZOBNOZnwyEH1Pcue1LYn63PznnwGdUG4jE1E0jL4cZ4L3sa4cFLuVdJfgOln6OhU/rJ3dnckvZjGrYHJOYcrlDjsn0EZL49zY9tLrZpR8MKUFUuAKlGzZVQsus32j68uCctzKY1FGNP548ZFABiEvkRyZcQ=="}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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| Filed name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||
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Message Response | msgResponse | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Filed name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Message Response | msgResponse | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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{"msgInfo":{"versionNo":"1.0.0","msgID":"A3999999920200415173134978509","timeStamp":"20200415173134","msgType":"MPQRC_PAYMENT_EMV","walletID":"39999999"},"trxInfo":{"deviceID":"0ada14cd21593b12d56a594be6561c9c","token":"6292610306159930031","txnID":"A3999999920200415173134978509","trxAmt":"1","mpqrcPayload":"xxxxxxxxxxxx","additionalData":{"billNo":"00000000000000000000","referenceLabel":"00000000000000000000","terminalLabel":"00000002"}},"certificateSignature":{"appSignCertID":"1564028313749","signature":"kI0eLrBBE9jcn3e+dRxFrWERWRv1fmSCTeJCWRfyLhPJgxypIHDJlDPSjLUsUvRPo9V1modv0CAV9OLykxIFv6nrzzDUM++ZoiYqHqQOcb/swxxT/0NZVVsIOBugkqOzSv6IsefC+3IE9HkTog4GuHndW0HxuQcCyoesy8uEpdfmC6ugu29cww/eLMYEr3HqyyGM49216cSnstZ8iZOrtCkiYuwD+StC286/ZwzJY3E3WniQqEnmPHjN/ySAcMH/kdWto7+brFWtx98jybUy2T4Z7DGkzMPy12oAq4O9XGDEPM9436J99pUFmVnULcYgM4ETl+4dsFkRlUdeZbsLsA=="}}
{"trxInfo":{"txnID":"A3999999920200415173134978509","trxAmt":"1.00","trxCurrency":"344","qrcVoucherNo":"20206106824158796101","retrievalReferenceNumber":"041533795482","settlementKey":{"acquirerIIN":"25000344","forwardingIIN":"00020344","systemTraceAuditNumber":"188619","TransmissionDateTime":"0415173134"}},"msgInfo":{"versionNo":"1.0.0","msgType":"MPQRC_PAYMENT_EMV","msgID":"A3999999920200415173134978509","timeStamp":"20200415173134","walletID":"39999999"},"msgResponse":{"responseCode":"00","responseMsg":"Approved"},"certificateSignature":{"umpsSignCertID":"1543312301","signature":"bhLVRHxlH9mHXCb1R+CzM/sofn3btnVWLEpz6KaDt7Mw6M9zM+Py1qKYU/qHuQg6hN7TJy8TYNF7wbH0BHEYLKMJ2lTVgVNtJBRwjtMwYCpCX2EE07+5P5icxCmC4EfQroyKzJOIfoGWgNRhoXliH41M8Oyi6WROfUt1lxlGsC1GR69Zzwn5rSiKlel1+s0/wD9fybYtVWEMdkORDgAW3HH0cVVPVd0hsoKlLptXCdWKUzi+Ojmd3MviGid0Y3wY2Ok/TlBgtKIhAhBkLagjFGk+3xoVjCO8VzjA4B4nod75EuMcSkcS0d+C3rQUwqbbDt4tQdG11+cQ8TLJTXfcHA=="}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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| Filed name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Message Response | messageResponse | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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{"trxInfo":{"deviceID":"D7DA4AFF760A7841ECD2C5F3B73F4ADF4129640D294F84D1C3C604A4A50CCEA0","token":"6292600022841622","txnID":"A00010344200415052818000001"},"msgInfo":{"versionNo":"1.0.0","msgType":"TRX_RESULT_INQUIRY","msgID":"A00010344200415052822000003","timeStamp":"20200415052822","walletID":"00000001"},"certificateSignature":{"appSignCertID":"201806211822","signature":"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"}}
{"trxInfo":{"trxAmt":"10.00","originalAmount":"10.00","trxCurrency":"458","merchantName":"TestStoreID","qrcVoucherNo":"20206106689310086749","retrievalReferenceNumber":"041517282198","settlementKey":{"acquirerIIN":"37060458","forwardingIIN":"00520446","systemTraceAuditNumber":"188617","TransmissionDateTime":"04106052821"},"paymentStatus":"APPROVED"},"msgInfo":{"versionNo":"1.0.0","msgType":"TRX_RESULT_INQUIRY","msgID":"A00010344200415052822000003","timeStamp":"20200415052822","walletID":"00000001"},"msgResponse":{"responseCode":"00","responseMsg":"Approved"},"certificateSignature":{"umpsSignCertID":"1543312301","signature":"shVdA8QruREhw+0wVEjCvn153aUnEbBva8ZiAaFWimIBslUx76Cdx4SILRA/+ADV9zVNWjyAyew1egPnAAzu35bwNEZztvIM+23hmI4jMKTESyW/IhiQrgvXyVuvTU8Tin+MwUlNvDZO0uw+/CJbGWYkfBCF3oZid17IX/KDGwQ/hR/epeh2OzQ3RwwLhs5NkmexZ3HJzQocN4+17rG2it+kXY3lWbBav50UHyMmZR0Aqp0bqxoOVKQVd7tPR5LObvU+7gEkH0ufHZLpTDuTdN6PkPkJdTGpzhkuUs+lZYEgGo34mULbXuCW7r7CqHSsSeejz3cBXeoSAKLkz4t5fQ=="}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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| Filed name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Message Response | msgResponse | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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{"msgInfo":{"versionNo":"1.0.0","msgID":"A00000001202004231120582317","timeStamp":"20200423112058","msgType":"QRC_INFO_INQUIRY","walletID":"00000001"},"trxInfo":{"deviceID":"D3616AE813F97299DB450BA8BE60ABE9F164F71F1B0703E78764CD7601BAED87","mpqrcPayload":"https://qr.95516.com/01040000/0120084588379999987089","txnID":"A00000001202004231120583217"},"certificateSignature":{"appSignCertID":"201806211822","signature":"a297wGbnRs4Nmnz2lVX0vPuBTJYV3rv2RFjqwD3P7bOKZVL/kIA4LQKrtyVHblR8Q8SzwhFKhioD1Wav32h9rGe7703iDjerdo/dtD2U1ENknNt3NsO0/t1aHrFN/mhF+mrN0iFKvkC1YE3cdIcKkZGEya7yZH0NU6YS/IYdn3cQRw5FSxFt0Fi5Ll79tlJ6DU97B7coYUKzZaOewo9jf1lCtmXdMGo9l+FKoFlyAjRM4WccokawyZMrHR+NHDS+9kS8kLGEfAraC/PnyFXNE+0LPVnvNwu1oizGyM2Yo1Q1ncrsJ1adkRpfDp3jhJPxZO+VpWycy0gv5lDieDAk124qqiXJSxsJ8ypiwNKT5SB6gDqoiQqm8F63yD5azwhrMPSJtxZD/f6PVm6XICt8m+g7rI8nyZzK3XELFBbn27zdiLUdVN5tMqTBb6HAuC66JMOZ+JYePM0wIJAuWahkKZRKKclUV3i6uYnF+cqqZYupVw/gRh+PICDpViyL6OVKvGvaDy/o8kSOZcioW9bWubMyJDGhUJcHTdYaLNLCVQTnz/JroK5ov96HMzoJiRLDx9w0RGJrEeX19ZFPcUAjZczy1VH6WfiMnTj5ngHBSmz/eJeeWKabXC6fjPnIB/nv956UW/brFjoeaCPiIaF/CjRRCP4GloARg33HSSVE7vyAqUh5LHdbAeFbRRfbo1UK2GgskJ1zjxi0MaWwMz8i6LrtFU+1CSdDLFQv7e6waxVyQpS4fE2QtMUy6ig=="}}
{"trxInfo":{"deviceID":"D3616AE813F97299DB450BA8BE60ABE9F164F71F1B0703E78764CD7601BAED87","txnID":"A00000001202004231120583217","trxCurrency":"156","mcc":"4458","merchantName":"广东行测试商户","qrcUseCase":"10"},"msgInfo":{"versionNo":"1.0.0","msgType":"QRC_INFO_INQUIRY","msgID":"A00000001202004231120582317","timeStamp":"20200423112058","walletID":"00000001"},"msgResponse":{"responseCode":"00","responseMsg":"Approved"},"certificateSignature":{"umpsSignCertID":"1543312301","signature":"UxrOKA0zilx7/v85ACDoGoRw7xhGoA87KPsjsTT1KU567qAdkClzlkYU8f3foiNsRnavesKhBsw802L2xq8xlnOE/4TOJwnpqamsTfYzZs3fCSmoLxyJvKka8WxcvcGN7EkTj4ZrWEkT/TrPh923azKzUFAfR+0ON1Qos0bq6r9s3xOaH1Tdn37R3Vq3z+RetLp7khOA6rZ3+2kKOM/4ofqtEocXQSeO0ctG/Phd55m5ykS5L4E2FC2bqxgjCuupaH5cbrKwQGtBj9kNzeWq5L1j3tLpglLkpEIz3tH7Wpdd4iH3K6/9fJoX6ulUES5yv959xyQpQ5kZ1akLuGgVFw=="}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Filed name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Message Response | msgResponse | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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{"msgInfo":{"versionNo":"1.0.0","msgID":"A399900440000017139","timeStamp":"20200415174409","msgType":"MPQRC_PAYMENT_URL","walletID":"39990044"},"trxInfo":{"deviceID":"707FA47A-5090-47AB-8417-6A676FD09A80","pan":"Rd7b9BSRRz7xDKFuSUOs5tZsE/uZQqbande83ILPAUjPrrweV2d5Y3q8UaYl3ccKi9ABy5h7aK8P93mOvCF2PSQs53bawmyTCXVse82jWmJqwUH2Lbmlw/s+OgiyUHcFFEfuSJnogVhn5yl4jy68ShFFzwRCaFLOHHHFmhXDVzNIestG+SsM/t4ZSrdyd7DpqktgZ8AfUIdvTHCKzrnkA+9twtuaxOEPtxTOMaxArMwSMhgT+vvi1MeLoOgUxQzmCxcz4MxtlR4Zr0jXOOqdELRyfwyYm2CO2J+oAa5jiOKRgVOWgc3/GypGjhVL/6lEWj+UzNs6ltJW4biOIFlMTA==","txnID":"A399900440000017138","mpqrcPayload":"https://qr.95516.com/01040000/0120084588379999987089","trxAmt":"60.11","backURL":"http://184.6.11.187:19092/boc/bcss/umpsqrgw","riskInfo":{"appUserID":"E3B31FE857AF200B1D9C1DEBCF398539","reservedMobileNo":"15818108768"}},"certificateSignature":{"appSignCertID":"1508406698","umpsEncCertID":"1508413608","signature":"g7ljbU/cS9o9s+lWYUCZ9q12BoTQlRJqMkLRP4wAUnbp3+n8VIEJMbi0gQY+uzOeIromJzZg1wea/ruYKamEIAR/WUHGmAox6yGqfYfjDvarASr37LjSnJ69Srr/s+ObmLL3qmCTYRB19nfAqNVzySUbJYqjjgK7tgwt3se0ZNs="}}
{"trxInfo":{"txnID":"A399900440000017138","trxAmt":"59.23","originalAmount":"6011","trxCurrency":"156","merchantName":"广东行测试商 ","qrcVoucherNo":"672635617823271","retrievalReferenceNumber":"RC9999713335","settlementKey":{"acquirerIIN":"01040000","forwardingIIN":"00049992","systemTraceAuditNumber":"781951","TransmissionDateTime":"0415173938"},"discountDetails":[{"discountAmt":"0.88","discountNote":"深信随机立减-gd"}]Info":{"versionNo":"1.0.0","msgType":"MPQRC_PAYMENT_URL","msgID":"A399900440000017139","timeStamp":"20200415174409","walletID":"39990044"},"msgResponse":{"responseCode":"00","responseMsg":"Approved"},"certificateSignature":{"umpsSignCertID":"1508413609","signature":"m8+m244HlFrYd+3ogxTxFAL4ndKGU49s5/s5Kqm2ZcKG2kSvGFJYWqcYYIYvwVeHTwv6Gzt5YnNrrR8GL3gGgUtzxAI1PRC2gSEM/Q//VfG0HMrbOwCAGjVDsYkhm1xBgdugHcmGT4FEUBlLDjzOR1zcgHsiHgW/Hv2pk3llM7qMA+JxIZVmeDQL6+YOFUhJV+TYkwJsDTZwApp6AHe6jUVZmMGy5p5KlIhx/+6h5RfsC63ULhKZHpA3QzOfq5ANjM+HDCGkKP/zxVq/tMYOeqMgKlNr1LgKvm+27fTVQRK9LuR8yK5LUlJV/WFPLNAkM4WfdSs7cZ8IJG1svunYXg=="}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Filed name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Message Response | msgResponse | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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{"trxInfo":{"cpqrcNo":"1","cvmLimit":"0","limitCurrency":"344","deviceID":"A574B94A-DFCD-494E-95A2-90018654DD7D","token":"6263600562176657"},"certificateSignature":{"appSignCertID":"273473560882061111584571817585031905202309390377","signature":"DF4wXPPcfVfhVwXGbuXt+XhWKcdel16KGoSXEfuwJFJodT2m+xMpE1JI/y6sIDdP1nuFDXP0roE3akV9OnQAtGRWHAGwYrYhjSpp9CkQros6h0mgDpZ/w2fsPaBfkgx5HN+UoQjdNjZlXq/ucR/mo8e27Bo/qJs5EXGWjYp52kXme+ahjKUiJPPG/7iw4+2wfE/ivWPY5h4Lft07nzQDG7qg4/1I68zzTLN3n7naojloffC7zH5PEV0hj7bB9fXVOs2zK2vvDB7xsWp31Cogl+z6l5DZa4PEkac9nijoOfG2D9TvwR5MI4LhVO4gyGfrdBdSZ/DJ4+s3Uc4XfzxgEg=="},"msgInfo":{"timeStamp":"20200415172941","walletID":"39990072","msgType":"CPQRC_GENERATION","versionNo":"1.0.0","msgID":"A39990072202004151729419261578028171262"}}
{"trxInfo":{"cpqrcNo":"1","emvCpqrcPayload":["hQVDUFYwMWFWTwigAAADMwEBAlcRYmNgBWIXZlfSMFIBAAABiAFfNAEAYzOfJghWiwQ+33OkCp8nAYCfEBEHAAEDoAAAAQgzOTk5MDA3Mp82AnAhggIAAJ83BDyV33Y="],"barcodeCpqrcPayload":["6236082777107964938"]},"msgInfo":{"versionNo":"1.0.0","msgType":"CPQRC_GENERATION","msgID":"A39990072202004151729419261578028171262","timeStamp":"20200415172941","walletID":"39990072"},"msgResponse":{"responseCode":"00","responseMsg":"Approved"},"certificateSignature":{"umpsSignCertID":"1508413609","signature":"VahUm0oOzEQOXGNAXK3Oux4KLnL4zkiES+Iyu+Lb29rWRGHEouMqxMQt/KgLDAU1d02fTmmC1NkTQMurH1pOxANsWP3hVLu/a2nhkiTdyDB5PefV6vj/jQRgNw5ub77b23vwaHeNMcAopiAJGPw+q4iqVJ6LuXypM3B4HqMdW7i0cCsq5uFsL0Oni785XkqW/CIR880JiZdsp2AyekVt0R//bYvACxrUvcOxF1ez8YiDGuMjY5jMtheUfDKTOMaqUdV/cfBm56LvKyvw6Uzl7rjCJKG1macJwt8GyukObUx89QNXrMaOYCYtMzPD6nt6yZnGPu+JMbkLbNmSZh6RZw=="}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Filed name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||
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Message Response | msgResponse | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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{"trxInfo":{"deviceID":"45b73e86-8bc2-47bd-b8b1-647236ab7ba4","token":"6263600541570632","emvCpqrcPayload":["hQVDUFYwMWFWTwigAAADMwEBAlcRYmNgBUFXBjLSMIIBAAABiAFfNAEAYzOfJghWivtwEShnap8nAYCfEBEHAAEDoAAAAQgzOTk5MDA3Mp82AhkiggIAAJ83BDVyS4I="],"trxAmt":"10.00","trxCurrency":"702","merchantName":"CHN29000CHINA UNIONPAY SIMULATOR "},"msgInfo":{"versionNo":"1.0.0","msgType":"ADDITIONAL_PROCESSING","msgID":"U39990072000000000000638349","timeStamp":"20200415164451","walletID":"39990072"},"certificateSignature":{"umpsSignCertID":"1508413609","signature":"00000000"}}
{"certificateSignature":{"appSignCertID":"273473560882061111584571817585031905202309390377","signature":"00000000"},"msgResponse":{"responseCode":"00","responseMsg":"Approved"},"msgInfo":{"timeStamp":"20200415164451","walletID":"39990072","msgType":"ADDITIONAL_PROCESSING","versionNo":"1.0.0","msgID":"U39990072000000000000638349"}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Filed name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||
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Message Response | msgResponse | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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{"trxInfo":{"emvCpqrcPayload":["hQVDUFYwMWFWTwigAAADMwEBAlcRYmNgBUFXBjLSMIIBAAABiAFfNAEAYzOfJghWivtwEShnap8nAYCfEBEHAAEDoAAAAQgzOTk5MDA3Mp82AhkiggIAAJ83BDVyS4I="],"deviceID":"45b73e86-8bc2-47bd-b8b1-647236ab7ba4","paymentStatus":"CONTINUING","token":"6263600541570632"},"certificateSignature":{"appSignCertID":"273473560882061111584571817585031905202309390377","signature":"wQg/hTFS9Kt16whaAU+uh0hlTbYiYO9lo4chCUEVGiErgQzZEnzgUK4aHLZtz0iwecmlHG7hQuOSmRBCGYeUCbBTSTiBQn0FAlxYYJ/iScDlebiq5+pD63inuYNZrM7KiZAr3wUK4baKYDdN6sGb33ezoIlTdB1tu7b7H86FkqHgTLLSg9FT7uvDE4HT3/zlvDld472qghQENAXdCsq0ADbV7kaKBcTDy3StoqEVxnLyLOhDBRlUMNF/s0f/V7Geyb/Aa6rZX/rn8Pm4UP5zbGYLphnY5u4no3DwPLUlidvVcJyRnwKvJsWpFkGZlWTI95icVyZSxZsoVpxX01bcuQ=="},"msgInfo":{"timeStamp":"20200415164451","walletID":"39990072","msgType":"ADDITIONAL_PROCESSING_RESULT","versionNo":"1.0.0","msgID":"A39990072202004151644519258887873923785"}}
{"trxInfo":{"deviceID":"45b73e86-8bc2-47bd-b8b1-647236ab7ba4"},"msgInfo":{"versionNo":"1.0.0","msgType":"ADDITIONAL_PROCESSING_RESULT","msgID":"A39990072202004151644519258887873923785","timeStamp":"20200415164451","walletID":"39990072"},"msgResponse":{"responseCode":"00","responseMsg":"Approved"},"certificateSignature":{"umpsSignCertID":"1508413609","signature":"CvINW1zxLX2SY0GBz1B+fFl12lJLT6NiDhvDHXl1r+nlqL3mGfNp5F7ahpSavzWvOYdKFiQkxcjbG4lyVPqOp8sWnAAyKDHdyI5lWsttqm/uQBtYLpBqTQNRyElRn90m5atRTVQK07yyd/N1ZzPfRDgSbjVD1FkEFCyZl/WxmPNT6EZ/S5ZWYLmoZXe1P7ZhYeAOahrfA1ifePGgwjIjNkagaNFKFLF5fvoIRG7aw3deYQlm/9BioyagH+uZoCGdV8q/o3f8SJ3Xk86NR5rUqhZGfHk7lNCunPXQRge209cTIQKhoruDm7ZgoxsupEm/f26OIqp/soFKcDo1mxV6aQ=="}}| Field name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Transaction Information | trxInfo | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Filed name | Identifier | Type | Length | Request | Default value | Note | |||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Message Information | msgInfo | object | M:Mandatory | ||||||||||||||||||||||||||||||||||||||||||||
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Message Response | msgResponse | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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Certificate and Signature | certificateSignature | object | M:Mandatory | |||||||||||||||||||||||||||||||||||||||||||
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1. Data Elements and Message
Message Format
Messages exchanged between the application gateway and the UMPS shall be in the JSON data interchange format as defined in [RFC 7159].
Message Flow
The solid line in a Sequence Chart 's processing flow indicates that once the flow begins, the message is mandatory. The dotted line indicates that the message is optional or conditional.
Data Elements Dictionary
In each interface, Message Information ("msgInfo") shall always be present and be the first data object of all request and response messages;
Transaction Information ("trxInfo") contains different data elements according to the Message Type. The Transaction Information may be present in a request message or a response message;
Certificate and Signature ("certificateSignature") Certificate and Signature shall always be present as the last data object of the request messages and response messages. Please refer to Security Requirement for details;
Message Response ("msgResponse") shall always be present in a response message:
• When it is an acknowledgement response, "responseCode”: “00” indicates the request message is well-received. The processing result will be sent in another message later. For example, the “responseCode” of the “ADDITIONAL_PROCESSING” indicates the application gateway has received the request from the UMPS. The result of “ADDITIONAL_PROCESSING” will be sent in the “ADDITIONAL_PROCESSING_RESULT” message.
• When it is a processing result response, "responseCode”: “00” indicates the request message is approved.
Please refer to Response Code Referrence for details.
2. APIs Included
UPI QR Code App Gateway 's 16 APIs can be categorized into following sets and their calling sequence can be found in Sequence Chart.
The set of Account Enrollment APIs performed by the mobile application:
• Pan Enrollment
• Account Verification
• Sending OTP
• Token Provisioning
• Cardface Downloading
• Token State Update
The set of Enrollment Notification APIs performed after mobile application has completed the account enrollment through its own network
• Token Request
The set of Token Life Management APIs used to change the Token state in UnionPay system
• Token State Notification
The set of Transaction Processing APIs
In a Merchant-presented QRC-based transaction, the Consumer can make a purchase in a mobile application by scanning the QRC displayed by the Merchant. In a Consumer-presented QRC-based transaction, the Merchant can make a purchase by scanning the QRC displayed in a Consumer mobile device. For encoding specification, please refer to Consumer-presented QR Code and Merchant-presented QR Code in this page.
APIs included:
• Mpqrc Payment Emv
• Trx Result Inquiry
• Qrc Info Inquiry
• Mpqrc Payment Url
• Cpqrc Generation
• Additional Processing
• Additional Processing Result
• Trx Status Notification
Please be noted that only merchant-presented QRC-based transaction sandbox testing is available now.
Account Enrollment
The following figure illustrates the flow of account enrollment performed by the mobile application through UnionPay network.
1. PAN_ENROLLMENT request
The mobile application allows the user to scan or enter the details of existing cards in order to digitize these cards. The application gateway sends PAN_ENROLLMENT request to the UPI.
a. Device ID is the unique identifier in the mobile handset, such as Android ID or IMEI number.
b. Wallet ID is the identifier assigned by the UPI to identify the mobile application, as the Issuer may have more than one mobile application with different risk parameters for the tokens.
c. PAN is the card number of the payment card
2. PAN_ENROLLMENT response
The UPI sends a request to Issuing Host to check the status of the physical card, and returns the result in the PAN_ENROLLMENT response with the following information:
a. Enrollment ID is the unique identifier to keep track of this account provisioning process.
b. List of CV is the list of account verification data to be captured from the Cardholder for verification of the identity of the Cardholder.
c. TNC URL is a link of the Terms and Conditions (TNC) to be displayed to the Cardholder
3. ACCOUNT_VERIFICATION request
The mobile application will download and display the Terms and Conditions for the Cardholder to accept or decline. If the TNC is declined, the enrollment process will terminate. Otherwise, the mobile application will capture the Cardholder Verification Information that was requested from the UPI, and send them in the ACCOUNT_VERIFICATION request.
4. ACCOUNT_VERIFICATION response
The UPI can send these data to the Issuer to validate the Cardholder Verification Information captured from the Cardholder, and return the validation result in the ACCOUNT_VERIFICATION response message. If the OTP is required, the UPI will also inform the mobile application of the allowed OTP methods:
a. SMS OTP
b. Email OTP
c. Call Center OTP
d. Web Application OTP
5. SENDING_OTP request
The mobile application will display the allowed methods to the Cardholder. After the Cardholder chooses one, the mobile application will send SENDING_OTP message to the UPI, and the Issuer, or a processor on behalf of the Issuer, will send an OTP to the mobile phone number of the Cardholder.
6. SENDING_OTP response
The UPI will return the OTP length, expiry time, and maximum attempt number in the response message. If the Cardholder does not receive the OTP, the application can send another SENDING_OTP message to the UPI.
7. TOKEN_PROVISIONING request
The Cardholder enters the OTP in the mobile application, and the mobile application will send it in the TOKEN_PROVISIONING request, along with the accepted TNCID.
8. TOKEN_PROVISIONING response
The UPI sends the OTP data for validation. If the validation is successful, the UPI will return the Token information to the application gateway.
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