The National Payments Corporation of India<\/a> (NPCI<\/a>), which has developed key digital payments railroads such as the Unified Payments Interface<\/a>, Fastag and Aadhaar Enabled Payment System (AePS), is now testing a voice-based payments service for feature phone users in low connectivity zones, sources aware of the matter told ET. 的印度的国家支付公司(NPCI),开发了关键数字支付铁路等统一的支付接口,Fastag Aadhaar启用支付系统(aep),现在正在测试语音支付服务功能手机用户在连接区域,意识到这件事告诉ET来源。
The service is likely to be rolled out on top of the interoperable UPI<\/a> protocol. The key differentiator would be that the feature phone users won’t need a third-party app or stable internet<\/a> connection to complete their transactions.
The ‘Interactive Voice Response<\/a>’ (IVR) payments project is currently in beta-testing mode with the Reserve Bank of India<\/a> closely monitoring the pilot as per provisions laid under the central bank’s Regulatory Sandbox (RS), the sources said. A larger rollout would be subject to approvals from RBI after the culmination of the first phase of testing.
The solution has been created by Bengaluru-based fintech Ubona Technologies with a private sector bank currently enabling transactions on the backend, sources added. ET couldn’t independently verify the name of this lender.
Both NPCI and RBI are learnt to be testing various feature phone-based payment solutions that cut the need to have an internet connection or an expensive authentication device like biometric scanner or point of sale (PoS) device, a source said.
NPCI didn’t respond to ET’s mailed queries. A spokesperson from Ubona couldn’t be immediately contacted.
As envisaged by the NPCI the service will allow users of feature phones to make merchant payments as well as peer-to-peer (p2p) transactions by simply generating an authentication PIN linked to their bank account and debit card as well as the registered mobile number.
This is similar to how UPI PINs are generated. However, instead of a smartphone through third party internet apps, feature phone users will be able to generate authentication PIN through a common dial-in service which may be operated by NPCI.
The PIN can be then used at merchant points enabled for such transactions wherein the account holder can use their feature phones to select the payment size and merchant details through a Dual Tone Multi Frequency (DTMF) system which will likely guide the user through the two-factor authentication (2FA) flow in local languages.
DTMF is a technology used with touch tone phones to allow callers to use keypads that correspond to the number of the menu option and select preferred options.
The other leg of this system involves acquirer banks enabling their merchants with a proxy identity number that can be used to authenticate the acceptance part of the transaction. The existing interoperable standards between banks on UPI network allow two or more banks to communicate and vet small-ticket payments in real time.
“There are several legs of this payment system which need to be solved for mass adoption, such as strengthening security and access, as well as enabling banks with concurrent calling infrastructure that can handle thousands of calls at a time,” said a source cited above. “However, these considerations are for the future when NPCI and RBI allows a larger rollout of this service. The initial results are promising,” the person added.
“Another pressing concern is that millions of cards have expired under RBI’s chip-and-pin rules. For such a service, these cards would not be valid anymore,” the source added.
As part of NPCI’s pilot, several leading payment acquirers have been shown demos of this service for feedback, the sources added.
ET had exclusively reported in December 2020 <\/a>that RBI was testing offline payments through feature phones in a handful of villages in coastal Karnataka in partnership with global card network Visa<\/a>, private lender Yes Bank and digital wallet venture Yuva Pay.
There are at least four other such experiments in the work as well under RBI’s first RS cohort, all largely focusing on developing an offline payments network for feature phone users to make payments without an internet connection.
As defined by RBI, an RS refers to live testing of new products or services in a controlled\/test regulatory environment for which regulators may permit certain relaxations for the limited purpose of the testing. RBI had introduced this concept in 2019 with live experimentations starting in 2020.
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服务可能会推出的可互操作的UPI协议。关键的区别是,功能手机用户不需要一个第三方应用程序或稳定互联网连接来完成他们的事务。
“交互式语音应答”(IVR)支付项目目前在beta测试模式印度储备银行密切关注飞行员按规定了中央银行的监管下沙箱(RS),消息人士说。更大的推出将会受到央行的批准后,经过第一阶段的测试。
NPCI和央行都学会了测试各种功能手机支付的解决方案将需要一个网络连接或一个昂贵的认证设备如生物扫描仪或销售点(PoS)设备,一个消息来源人说道。
NPCI没有回复ET的邮寄查询。发言人Ubona无法立即联系。
NPCI设想的功能手机的服务将允许用户支付商人以及点对点(p2p)交易通过生成一个身份验证销与他们的银行账户和借记卡以及注册手机号码。
这类似于UPI针是如何生成的。然而,而不是通过第三方互联网智能手机应用程序,功能手机用户将能够生成验证销通过普通拨号服务可能由NPCI操作。
销可以使用商人点为此类交易中启用帐户持有人可以使用他们的手机来选择支付规模和商业细节通过双音多频(DTMF)系统,可能会引导用户通过双因素身份验证(2 fa)流在当地语言。
DTMF技术使用按键式电话允许调用者使用键盘对应数量的菜单选项,选择优先选项。
这个系统包含的另一条腿收购者银行使其商人与代理身份证号码,可以用来验证接受交易的一部分。UPI网络上现有的银行间互操作的标准允许两个或两个以上的银行实时交流和兽医小金额支付。
”有几腿需要解决这个支付系统的大规模应用,如加强安全性和访问,以及并发调用基础设施,使银行可以处理成千上万的电话,“说上面引用的来源。“然而,这些因素对未来当NPCI和央行允许更大的推出这项服务。最初的结果是有前途的,”这个人说。
”另一个紧迫的问题是,数以百万计的卡片已经过期在央行的芯片密码规则。对于这样一个服务,这些卡片将不再有效,”源补充道。
作为NPCI飞行员的一部分,一些主要支付收购方已经被证明演示这项服务的反馈,消息人士补充说。
等有2020年12月专门报道央行正在测试离线支付通过功能手机在少数沿海村庄卡纳塔克邦合作与全球网络卡签证,私人银行对银行风险尼泊尔和电子钱包支付。
至少有四个等实验工作首先在央行的RS队列,所有主要专注于开发一个离线支付网络功能手机用户支付没有互联网连接。
RS所定义的央行,指住测试新的产品或服务的控制/测试的监管环境监管机构可能允许某些风头有限目的的测试。央行在2019年引入这个概念与实验从2020年开始生活。
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The National Payments Corporation of India<\/a> (NPCI<\/a>), which has developed key digital payments railroads such as the Unified Payments Interface<\/a>, Fastag and Aadhaar Enabled Payment System (AePS), is now testing a voice-based payments service for feature phone users in low connectivity zones, sources aware of the matter told ET.
The service is likely to be rolled out on top of the interoperable UPI<\/a> protocol. The key differentiator would be that the feature phone users won’t need a third-party app or stable internet<\/a> connection to complete their transactions.
The ‘Interactive Voice Response<\/a>’ (IVR) payments project is currently in beta-testing mode with the Reserve Bank of India<\/a> closely monitoring the pilot as per provisions laid under the central bank’s Regulatory Sandbox (RS), the sources said. A larger rollout would be subject to approvals from RBI after the culmination of the first phase of testing.
The solution has been created by Bengaluru-based fintech Ubona Technologies with a private sector bank currently enabling transactions on the backend, sources added. ET couldn’t independently verify the name of this lender.
Both NPCI and RBI are learnt to be testing various feature phone-based payment solutions that cut the need to have an internet connection or an expensive authentication device like biometric scanner or point of sale (PoS) device, a source said.
NPCI didn’t respond to ET’s mailed queries. A spokesperson from Ubona couldn’t be immediately contacted.
As envisaged by the NPCI the service will allow users of feature phones to make merchant payments as well as peer-to-peer (p2p) transactions by simply generating an authentication PIN linked to their bank account and debit card as well as the registered mobile number.
This is similar to how UPI PINs are generated. However, instead of a smartphone through third party internet apps, feature phone users will be able to generate authentication PIN through a common dial-in service which may be operated by NPCI.
The PIN can be then used at merchant points enabled for such transactions wherein the account holder can use their feature phones to select the payment size and merchant details through a Dual Tone Multi Frequency (DTMF) system which will likely guide the user through the two-factor authentication (2FA) flow in local languages.
DTMF is a technology used with touch tone phones to allow callers to use keypads that correspond to the number of the menu option and select preferred options.
The other leg of this system involves acquirer banks enabling their merchants with a proxy identity number that can be used to authenticate the acceptance part of the transaction. The existing interoperable standards between banks on UPI network allow two or more banks to communicate and vet small-ticket payments in real time.
“There are several legs of this payment system which need to be solved for mass adoption, such as strengthening security and access, as well as enabling banks with concurrent calling infrastructure that can handle thousands of calls at a time,” said a source cited above. “However, these considerations are for the future when NPCI and RBI allows a larger rollout of this service. The initial results are promising,” the person added.
“Another pressing concern is that millions of cards have expired under RBI’s chip-and-pin rules. For such a service, these cards would not be valid anymore,” the source added.
As part of NPCI’s pilot, several leading payment acquirers have been shown demos of this service for feedback, the sources added.
ET had exclusively reported in December 2020 <\/a>that RBI was testing offline payments through feature phones in a handful of villages in coastal Karnataka in partnership with global card network Visa<\/a>, private lender Yes Bank and digital wallet venture Yuva Pay.
There are at least four other such experiments in the work as well under RBI’s first RS cohort, all largely focusing on developing an offline payments network for feature phone users to make payments without an internet connection.
As defined by RBI, an RS refers to live testing of new products or services in a controlled\/test regulatory environment for which regulators may permit certain relaxations for the limited purpose of the testing. RBI had introduced this concept in 2019 with live experimentations starting in 2020.
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