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":"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"}}
{"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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| Response code | Description |
|---|---|
| 00 | Approved |
| 01 | Please refer to the card issuer |
| 02 | Duplicated QRC transaction and expired QRC |
| 03 | Invalid merchant |
| 04 | Pending. Transaction result is unknown. Please check later. |
| 05 | Cardholder verification fails. |
| 08 | TSP error |
| 12 | Invalid transaction |
| 13 | Invalid amount |
| 14 | Invalid card number |
| 15 | No such issuer |
| 21 | Card status error |
| 25 | Unable to locate the original transaction |
| 30 | Message format error |
| 32 | Exceed OTP max tries |
| 34 | Fraud card |
| 40 | The transaction is not supported by the issuer. Cross-border QRC transaction is not applicable for the card |
| 41 | Lost card |
| 43 | Stolen card |
| 51 | Insufficient balance |
| 54 | Expired card. |
| 55 | User input invalid PIN or didn’t input PIN |
| 55 | Invalid device id |
| 57 | Transaction not permitted to cardholder or QRC transaction is not applicable for the card |
| 61 | Exceeds approval amount limit |
| 62 | Restricted transaction |
| 70 | Validation error from issuer |
| 71 | Issuer declined |
| 72 | Issuer verify mac failed |
| 73 | Enrollment not found |
| 74 | OTP expired |
| 75 | Invalid OTP |
| 76 | OTP not found |
| 77 | IDV not set |
| 78 | Duplicate request |
| 88 | Card already provisioned |
| 89 | Card profile not found |
| 90 | The system is in cut-off. |
| 91 | Issuer system error |
| 92 | Network error |
| 93 | Invalid enrol state |
| 94 | Duplicated transaction |
| 95 | Enrolment timed out |
| 96 | UnionPay system error |
| 98 | Timeout |
| 99 | Other error |
| A0 | Signature verification fails. |
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.
9. CARDFACE_DOWNLOADING request
The mobile application can request to download the card face to display it to the Cardholder.
10. CARDFACE_DOWNLOADING response
The UPI returns the card face data and the recommended PAN location in the CARDFACE_DOWNLOADING response.
11. TOKEN_STATE_UPDATE request
After loading Token information and completing the mobile application offline configuration, such as Consumer device, Cardholder Verification method, transaction amount limit, etc., the mobile application will send the TOKEN_STATE_UPDATE request to activate the Token for use in the payment.
12. TOKEN_STATE_UPDATE response
The UPI returns the result and the latest Token state in the TOKEN_STATE_UPDATE response message, and the enrollment process is completed.
After the consumer scans an EMV standard merchant-presented QR code, the merchant information shall be displayed on the application. After the consumer input required information, such as amount, loyalty number, etc. and confirm a purchase, the mobile application will initiate a QRC payment message to request an authorization from issuer. The payment message can be a purchase message, authorization message, etc. The message flows are as follow.
1. The application gateway submits a MPQRC_PAYMENT_EMV request message to UMPS (UnionPay Mobile Payment system).
2. The UMPS returns the transaction outcome to the application gateway in the MPQRC_PAYMENT_EMV response.
Exceptional flows:
Application gateway: When the application gateway does not receive the MPQRC_PAYMENT_EMV response message within 65 seconds, the application shall initiate a TRX_RESULT_INQUIRY message to check if the payment is successful.
After the consumer an URL standard merchant-presented QR code, the mobile application will initiate a merchant information inquiry message to request the merchant name, merchant ID etc. Once the consumer confirms the payment, the mobile application will initiate a payment message to request an authorization from issuer. The payment message can be a purchase message, authorization message, etc. The message flows are as follow.
1. The application gateway submits a QRC_INFO_INQUIRY request to the UnionPay Mobile Payment System.
2. The UnionPay Mobile Payment System returns the merchant information details to the application gateway in the QRC_INFO_INQUIRY response.
3. After the consumer confirms the payment and enters the transaction amount (if required), the application gateway submits a MPQRC_PAYMENT_URL request message to the UnionPay Mobile Payment System.
4. The UnionPay Mobile Payment System returns the transaction outcome to the application gateway in the MPQRC_PAYMENT_URL response message, and is responsible to notify the acquirer of the transaction outcome.
Exceptional flows:
Application gateway:
1. When the application gateway does not receive the QRC_INFO_INQUIRY response within 10 seconds, it may initiate the inquiry again.
2. When the application gateway does not receive the payment response message within 65 seconds, it shall initiate a TRX_RESULT_INQUIRY message to check if the payment is successful.
After the merchant scans the QR Code presented in the mobile application, the merchant will a QRC payment message to request an authorization from issuer. The payment message can be a purchase message, authorization message, etc. The message flows are as follow.
1. The merchant submits a payment request message to the UPI System. The UPI System will check if the transaction amount is below the wallet’s CVM limit. If yes, the transaction flow goes to step 2. Otherwise, The UPI request authorization from the issuer if the additional processing response is positive. If not, UPI will reject the payment and send the result to the acquirer, which is beyond this work flow
2. UPI sends ADDITIONAL_PROCESSING request to the application gateway.
3. The application gateway acknowledges by sending the ADDITIONAL_PROCESSING response. Then the application gateway will request the application to perform CDCVM validation. The application will perform additional CDCVM, which is beyond the scope of this flow.
4.The application can approve or reject the transaction for a risk reason at this moment and send the result back to the application gateway. The application gateway will inform the UPI by the ADDITIONAL_PROCESSING_RESULT request.
5. The UPI acknowledges by sending back the ADDITIONAL_PROCESSING_RESULT response.
6. The UPI returns the transaction outcome to the application gateway by the TRX_STATUS_NOTIFICATION request.
7. The application gateway returns the TRX_STATUS_NOTIFICATION response message to acknowledge that the advice is well-received.
Exceptional flows:
1. Application gateway: When the application Gateway does not receive the TRX_STATUS_NOTIFICATION, no action is required.
2. When the UPI does not receive the additional processing advice within 60 seconds, the transaction will be rejected.
Certificate
The certificate used shall be X.509 standard. RSA key is 2,048-bit size.
Signature
Signature is used to validate the integrity and authenticity of the message. In order to generate a signature or to verify the signature, the application gateway shall follow the steps below:
● To sign a message
1. To Be Signed String: Prepare the message to be sent to the UPI system in JSON format. Fill the “signature” with “00000000”. Messages shall contain no white space between fields.
2. Use the SHA 256 algorithm to calculate the Hash Value from the To Be Signed String, and the Hash Value will be represented as a hexadecimal string in lower case.
3. Use the private key of Application Signature Certificate and RSA (PKCS1_PADDING) algorithm to encrypt the Hash Value.
4. Base64 encode the encrypted Hash Value and put it as the value of “signature”. The Base64 encoding and decoding are defined in [RFC 4648].
● To verify a message
1. To Be Signed String: Prepare the message received from the UMPS system in JSON format. Fill the “signature” with “00000000”. Messages shall contain no white space between fields.
2. Use the SHA 256 algorithm to calculate the Hash Value from the To Be Signed String, and the Hash Value will be represented as a hexadecimal string in lower case.
3. Base64 decode the value of “signature” to get the Encrypted Hash Value from the sender.
4. Use the public key of UMPS Signature Certificate and RSA (PKCS1_PADDING) algorithm to decrypt the result from step 3 and check if it is consistent with the result from step 2.
Encryption
"For sensitive information such as cardholder verification information (“cvmInfo”), Primary Account Number (“pan”), etc., UMPS requires to encrypt the value of it before transmitting it in the message. The application gateway shall follow the steps below:
●To encrypt data element
1) Use the UMPS public key of Application Encryption Certificate and encrypt them with RSA (PKCS1_PADDING) algorithm.
2) Base64 encode the encrypted result and fill it in the value of the field.