Blowfish

Blowfish is a Terminal Management System (TMS) for managing POS devices.

Tran Types

log to transaction table

Notify transaction status
Card Purchase
Cash Advance
Refund
Deposit
Purchase with Cashback
Balance Inquiry
Link Account Inquiry
Mini Statement
Fund Transfer
Card Recharge
Bill Payments
Prepaid
Purchase with Additional Data
POS Pre – Authorization
POS Pre – Authorization Completion
PIN Change

Log all requests to NoSQL

authenticate transaction
Biller List Download
Product List Download
Biller Subscription Information Download
Payment Validation
Terminal Master Key Download
Terminal Session Key
Terminal PIN Key
Initial PIN Encryption Key Download / Track2 Data
Initial PIN Encryption Key Download / EMV
Terminal Parameter Download
Call home
CA Public Key Download
EMV Application AID Download
Dynamic Currency Conversion
Daily Transaction Report Download
Agent Cash out
Agent Cash in
Agent Bill Payment
Agent Recharge

Tranasction flow

Card Purchase/Balance/Deposit/Mini Statement/CashBack

Model 1(Arca)
Step 1. POS(REST) -> messaging interface -> preprocessor -> transaction processor (Verify transaction)
Step 2. POS(ISO8583) -> NIBSS(ISO8583) -> Switch -> Issuer
Step 3. POS(REST) -> messaging interface -> preprocessor -> transaction processor (Notify transaction status)
Model 2(Arca)
POS(REST) -> messaging interface -> preprocessor -> transaction processor -> router(ISO8583) -> NIBSS -> Switch -> Issuer Model 2(3Line)
POS(REST) -> messaging interface -> preprocessor -> transaction processor -> router(ISO8583) -> Switch -> Issuer

Card Bill Payment/Recharge

Model 1 Step 1. POS(REST) -> messaging interface -> preprocessor -> transaction processor (Verify transaction)
Step 2. POS(ISO8583) -> NIBSS -> Switch -> Issuer
Step 3. POS(REST) -> messaging interface -> preprocessor -> transaction processor -> router(REST) -> VAS Service Provider (Give value & notify transaction status)
Model 2
POS(REST) -> messaging interface -> preprocessor -> transaction processor -> router(ISO8583) -> NIBSS -> Switch -> Issuer
transaction processor -> router(REST) -> VAS Service Provider (Give value)

Agent Cashout/CashIn/Balance/Deposit/Mini Statement

POS -> messaging interface -> preprocessor -> transaction processor -> router -> Financial Service Provider

Agent Bill Payment/Recharge

POS -> messaging interface -> preprocessor -> transaction processor -> router -> Financial Service Provider
transaction processor -> router(REST) -> VAS Service Provider

Store transactionreq &resp

messaging interface
accept network message
transform message
preprocessor
validate acquirer
validate merchant
validate terminal
validate message type
validate transaction type
validate PAN
validate exp date
transaction processor
validate transaction requirement
pin translation
router
based message/transaction type/BIN route message to Switch or NIBSS

Purchase/Balance/Deposit/Mini Statement/CashBack
receives ISO8583 or REST
sends out ISO8583 to NIBSS or Switch

Bill Payment/Recharge
receives ISO8583 or REST
sends out ISO8583 to NIBSS or Switch
sends out REST to Service Provider

Acquirer (Enable or Disable tran type/BIN settings for all by default)
enable transaction type
enable BIN
enable transaction type by merchant
enable BIN by merchant

Merchant (Enable or Disable tran type/BIN settings for all by default)
enable transaction type
enable BIN
enable transaction type by terminal
enable BIN by terminal

merchants settings overrides terminals settings or terminals settings overrides merchants settings?
acquirers settings overrides merchants settings or merchants settings overrides acquirers settings?
Shld acquirers be able to manage terminals?

UI (Frontend)

User Login
DashBoard(Acquirer, Merchant, App Owner - PTSP)
User Mgt
Role Mgt
Acquirer Mgt
Merchant Mgt
Terminal Mgt
Key Mgt
Transaction Log
TranType Mgt
BIN Mgt
Acquirer/BIN Mgt
Acquirer/Merchant Mgt
Acquirer/Merchant/TranType/Bin Mgt
Merchant/BIN Mgt
Merchant/Terminal Mgt
Merchant/Terminal/TranType/BIN Mgt
Contact Mgt
Reports (Settlement, Terminal, Merchant, Reconciliation)
Reconciliation (with NIBSS & Acqurer data) Acquirer by Terminal Parameter Grp
Merchant by Terminal Parameter Grp
Terminal by Terminal Parameter Grp

Non-Functional Requirements

Approval Workflow
Security
Key Management (TMK, Terminal Public Key)

APIs (Backend)

Domains

Create Domain
Get Domains
Get Domain
Update Domain
Delete Domain

Users

Create User
Get Users
Get User
Update User
Delete User

Roles

Create Role
Get Roles
Get Role
Update Role
Delete Role

Permissions

Create Permission
Get Permissions
Get Permission
Update Permission
Delete Permission

Acquirers

Create Acquirer
Get Acquirers
Get Acquirer
Update Acquirer
Delete Acquirer
DashBoard
Settlement Reports
Merchant Reports
Terminal Reports

Merchants

Create Merchant
Get Merchants
Get Merchant
Update Merchant
Delete Merchant
DashBoard
Settlement Reports
Terminal Reports

Terminals

Create Terminal
Get Terminals
Get Terminal
Update Terminal
Delete Terminal
DashBoard
Settlement Reports
Merchant Reports

Keys

Create Key
Get Keys
Get Key
Update Key
Delete Key

Transactions

Create Transaction
Get Transactions
Get Transaction
Update Transaction

TranType

Create TranType
Get TranTypes
Get TranType
Update TranType

BINs

Create BIN
Get BINs
Get BIN
Update BIN

Contacts

Create Contact
Get Contacts
Get Contact
Update Contact

Terminal Parameters

NIBSS Host, Port, Timeout, SSL
CTMK Key
BDK Key
Key Download time
Key Download Interval Check time
Terminal Type
Terminal Capabilities
Terminal Extra Capabilities
Transaction Currency
Transaction Reference Currency
Force Online
POS Data Code
ICC Data

App Ops

Create Docker image
Cache to Redis
Log to Kafka (Metrics)
Unit test

Response Codes

11XX- Acquirer Error Codes
1101- Not found

12XX- Merchant Error Codes 1201 - Not found

13XX- Terminal Error Codes 1301 - Not found

14XX- Terminal Parameters Error Codes
1401 - Not found 1402 - Missing device serial no 1403 - Missing public key 1404 - Unable encrypt CTMK 1405 - Unable encrypt BDK

15XX- Tran Type Error Codes
1501 - Not found

16XX- Bin Error Codes 1601 - Not found

21XX- Domain Error Codes 22XX- User Error Codes 23XX- Contact Error Codes 24XX- Key Error Codes

31XX - Acq/Merch Error Codes
3101 - Not linked

32XX - Acq/Merch/TranType/Bin Error Codes
3201 - not linked

33XX - Acq/TermParam Error Codes
34XX - Merch/Bin

35XX - Merch/Term Error Codes
3501 - Not linked

36XX - Merch/TermParam Error Codes
36XX - Merch/Term/TranType/Bin Error Codes
3601 - not linked

37XX - Term/TermParam Error Codes

41XX - Transaction Error Codes
4101 - Invalid PAN 4102 - Invalid Expiry Date 4103 - Transaction terminal & configured terminal are not the same 4104 - 4105 -