High Level Data Flows (Realtime)

The purpose of this section is to describe the External Information Real Time flows that implement the solution.
 Process
Flow Purpose Origin Destination Protocol Comments
Group
CBSA Mobile
Merchant Mobile Banking self- Banking Extensions of Consumer to
1. WS02 (Channel) JSON/REST
Servicing service functions. application (on support SME.
any device)
CBSA SME
Customer Flow(s) to provide Identity
2. Identity Capture Onboarding WS02 (Channel) JSON/REST
Origination proof captured on Device.
application
Customer CBSA SMS Customer Mobile 2nd factor - as part of 2
3. SMS OTP SMS
Origination Gateway Phone (proof of identity)
CBSA SME
Customer Risk Data (Documents Flow(s) to provide risk
4. Onboarding WS02 (Channel) JSON/REST
Origination etc.) assessment data/docs.
application
CBSA SME
Product Flow(s) to trigger provision
5. Merchant Provisioning Onboarding WS02 (Channel) JSON/REST
Provisioning of a Merchant.
application
Product
Flows to provision
Provisioning CBSA SME
Merchant and Terminal
6. & Merchant Merchant Provisioning Onboarding AXSY MG JSON/REST
and to update Merchant
Details application
Details.
Maintenance
Merchant
AXSY Mobile Retrieval of the VAS
7. Business Retrieve VAS Catalogue WS02 (Channel) JSON/REST
Gateway Catalogue from PMT.
Productivity
 Payments &
AXSY Payment Card Payments Request
8. VAS Card Payment Flow SmartVista FE ISO8583
Processor with/without VAS Order.
Operations
Payments &
AXSY Payment VAS Order without Card
9. VAS VAS Order Request SmartVista FE ISO8583
Processor Payment Request.
Operations
Payments &
AXSY Payment Domestic card - Bankserv
10. VAS Card Payments Flow BankServ Switch ISO8583
Processor routed.
Operations
Payments &
AXSY Payment
11. VAS Card Payments Flow MCD Switch ISO8583 MCD routed.
Processor
Operations
Payments &
AXSY Payment
12. VAS Card Payments Flow VISA Switch ISO8583 VISA routed.
Processor
Operations
Payments &
13. VAS VAS Order Flow SmartVista FE PMT VAS Engine Web XML VAS Order.
Operations
Merchant
VAS Catalogue
14. Business WS02 ESB PMT VAS Engine Web XML VAS Catalogue Request.
Request
Productivity
 There will be Bank events
that Axsy doesn't know
about?
 Merchant
Not sure - Can Portal App Is there a notifications
Notification of significant Axsy do this into  Email service in Bank Build ? YES
Merchant
15. servicing events between the Merchant  SMS Varies NOTIFICATIONS FOR CARD
Servicing
Bank and Merchant. Portal app ? and  Social ISSUING IS PART OF BANK
Email/SMS ? Media BUILD, NOT CERTAIN
WHERE FROM CORE
BANKING OR SMARTVISTA
High Level Data Flows (Batch)

The purpose of this section is to describe the External Information Batch Flows that implement the solution.
Flow Process Group Purpose Origin Destination Protocol Comments
Gather insights
about the
Marketing and Sales CBSA SFTP, TBD
Merchant Merchant Customers, Suppliers,
1-3 AXSY MG Analytics - (CSV, XML
Business and the Orders, Inventory, Transactions etc..
Merchant Operations Data Lake etc. etc.)
Merchant
Customers.
Supply
Provide the Settlement status of
4 Merchant Operations Transaction SmartVista BE Axsy MG SFTP
Merchant origination transactions.
Settlement Status.
Maintain
Ensure consistency of Merchant
5. Merchant Operations Merchant Details SmartVista BE Axsy MG SFTP
Information across solution.
in AXSY
BankServ routed transactions. (Do
Payments & VAS Payments Clearing BankServ SmartVista
6. SFTP these settle through SAMOS i.e. flow
Operations and Settlement. Switch BE
13?) YES THEY DO
Payments & VAS Payments Clearing MasterCard SmartVista
7. SFTP Scheme routed transactions.
Operations and Settlement. Switch BE
Payments & VAS Payments Clearing SmartVista
8. VISA Switch SFTP Scheme routed transactions.
Operations and Settlement. BE
Multiple
Payments & VAS VAS PMT VAS
9. Sources SFTP VAS Order reconciliation.
Operations Reconciliation. Engine
(SmartVista)
 How do we do this - just a Provider
Bank account in CBSA?

Does PMT have a role here? YES PMT

How do we
HAS A ROLE HERE, BELIEVE PMT WILL
do this - just a
Payments & VAS CALCULATE THE FINAL SETTLEMENT
9A. VAS Settlement. Provider Bank
Operations DUE TO THE AGGREGATOR,
account in
HOWEVER SETTLEMENT OBTAINED
CBSA?
FROM BANKSERV, VISA &
MASTERCARD NEEDS TO BE
CHANNELED TO SETTLE THE
AGGREGATORS
Regulatory
Data ?REPORT TO SARB ON ALL FOREIGN
Reporting for SME
10. Reporting warehouse SARB ? CARD TRANSACTIONS CONCLUDED
business financial
and BI tools. IN SA
and risk.
Notification of
?REPORT TO SABRIC ON ALL
11. Reporting employee ? SABRIC ?
CONFIRMED FRAUD
dismissal?
?ACQUIRERS AND ISSUERS
GENERATE SETTLEMENT REPORTS
Payments Settlem SAMOS (via
13. Reporting FinTeq ? USED BY BANKSERV TO VERIFY THE
ent. BankServ)
SETTLEMENT POSITION THEY
CALCULATED