Professor Timothy Gonsalves Dr Gaurav Raina IIT-M Professor Timothy Gonsalves Dr Gaurav Raina IIT-M 7th Meeting of the Mobile Payment Forum of India April

Mobile Payments ► Challenges ► Architectures ► Testing and Certification Lab ► Summary of IIT-M

Challenges ► Interoperability  Development should be based on standards and open technologies ► Universality ► Usability ► Security ► Speed ► Cost

Architectures User’s perspective ► Mobile Number + Amount ► Mobile Number + MAS + Amount ► Mobile Number + MAS + BIN + Amount MASMobile Account Selector, 3 digits BIN Bank Identification Number, 4 digit bank code

Mobile Number + Amount ► Interoperability Standard V1.10  Accepted by MPFI  Available at  Paper ► Mobile Payment Architectures for India Kumar, Gonsalves, Jhunjhunwala, Raina Kumar, Gonsalves, Jhunjhunwala, Raina National Conference on Communications, Jan 2010 ► Feasible, but potentially restrictive ► Default bank account for user ► Broadcast protocol to locate 2 nd party’s bank

Approach Change ► Clause Section 3.1 (Interoperability Standards V1.10) proposes a Broadcast Query Protocol for connecting the 2 bank accounts ► Instead  The transaction is routed to the payment switching agency via the (MPP and) Bank where the BIN is used to perform routing of the transaction to the 2 nd party’s bank ► Consequence  No default account required  Broadcast protocol is avoided

Mobile Number + MAS Logical communication channels and interoperability interface

Testing ► Developing test implementations for the different approaches ► Implementations will be freely available ► With help from Maveric Systems, Chennai

MPFI - IITM Certification Lab ► Currently housed in CS & E, IIT-Madras ► May shift to IIT-Madras Research Park ► Testing infrastructure design complete ► Implementation in progress

Summary of IIT-M ► Help with development of  Interoperability Standards and Approach Documents ► Prototype implementation  Work with banks and others who wish to implement the standards  Develop reference designs and reference implementations ► Testing  of Interoperability Standards and Approach Documents ► MPFI-IITM Certification Lab  Conformance Testing of Interoperability Standards

Mobile Number + MAS ► User enters Mobile Number + 3 digit MAS + Amount

MAS Registration ► Customer registers with Bank ► Bank/MPP requests MAS from Central Repository via network ► Central Repository generates MAS and stores in database ► Bank/MPP also stores MAS ► All customer service handled by Bank/MPP