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Mobile Payment for
Department Services
Dec 19, 2019
Agenda
2
• Introduction
• Mobile Payment Process Flow
• HKU mPOS App
• HKU Desktop POS (mPOS web application)
• HKU uPay App for users
• Payment Flow
• Online Web Payment
• Live Demo
• Apportion of received payments
• Web Enquiry System
• Apply to use Mobile Payment for Department Services
• Services Charges
• What’s Next
• Q&A
Introduction
3
• Support university-wide “in-store” merchandising and “online” web payment via MPDS WEB API
– Offer different mobile payment methods
Apple Pay, Google Pay, AlipayHK, Alipay
• Handle payment category to streamline operation
– Reconcile payment transactions
– Apportion received payment to departments
Merchant and Customers
• Departments (“merchants” in mobile payment terminology)
• offer items (including services) to users
• collect a payment at mobile Point-of-Sales (mPOS)– Run HKU mPOS application – 2 versions:
» mPOS web version
» mPOS app version (mPOS app)
• collect a payment in web application via MPDS WEB API
• “Customers” – Staff/Students/non-HKU members
• pay via uPay app
• mobile payment methods:
4
5
Send transaction & Receive payment status
HKU Backend
servers
Mobile Payment Process Flow
HKU uPay App
Scan
HKU mPOS applications (web/app)MPDS WEB APIGenerate QR code
Departments
FEO
Payment reconciliation
Send transaction & Receive payment status
Apportion payments received
1. MPGS (Apple Pay, Google Pay)2. mPay (Alipay, AlipayHK)
Payment Gateways
Download Payment Data
HKU mPOS App
6
HKU mPOS App (1)
7
1. A department needs to register the device & staff UID for using HKU mPOSApp.
2. Staff uses mPOS App to generate QR code for users to use HKU uPay App to scan to pay.
Department Staff HKU mPOS App
1. Select the item/service 2. Change the unit price
/quantity of the
item/service if appropriate
3. Generate QR Code
HKU mPOS App (2)
HKU Desktop POS (mPOS)
9
1. Departments need to register the staff UID using HKU Desktop POS.
2. Staff uses Desktop POS to generate QR code for users to use HKU uPay App to scan to pay.
Department Staff HKU Desktop POS
Main Page of Desktop mPOS
10
Display QR Code for uPay App to scan to pay
11
Transaction Response
12
OR
HKD 400.00
Show Transaction History
13
HKD 200.00
HKD 200.00
HKD 400.00
Change Portal UID
File Restore
HKU uPay App
14
HKU uPay App (1)
15
1. Do not require customers to login to use HKU uPay App.
2. Customers scan the QR code generated by HKU mPOS (web/app) to process payment.
3. Customers can select the mobile payment method to pay.
CustomerHKU uPay App
1. Press the “Scan to
Pay” button to open
QR Code Scanner
2. Scan the QR code
generated from HKU
mPOS App to pay
3. Review the payment
amount and select the
payment method to
pay
HKU uPay App (2)
HKU uPay App (3)1. Choose a payment history record 2. The uPay app shows the details of
the payment history
17
Change UID
Restore Data
HKU uPay
HKD 200.00
HKD 200.00
HKD 400.00
HKD 400.00
Payment Flow
18
1. Start Payment Process
19
1. Press the “ReceivePayment” button to start the payment process
Department Staff mPOS App
2. Select an item
20
1. Select item(s) from the service list
2. The total charge is shown according to the items selected
3. Change the amount of the items if appropriate
Department Staff mPOS App
3. Save Payment Information
21
Press “Generate QR Code” button to save the payment details to the server and generate the QR code for the payment process
DB
Payment details
Transaction ID
Department Staff mPOS App
4. Generate QR Code
22
QR code is generated (ready for customer to scan)
QR Code information:
- Transaction Type: mPOS- Transaction Data: The
data to process the order in base64 encoded format
Department Staff mPOS App
5. Customer Opens uPay App
23
1. Press the “Scan to Pay” button of uPay app to open the QR Code Scanner of the phone
CustomeruPay App
6. Scan QR Code
24
1. Scan the QR code generated from mPOSapplication to pay
2. Payment details are retrieved from the server
DB
QR Code information
Payment details
CustomeruPay App
7. Review & Pay
25
Review the payment amount and select the payment method to pay
CustomeruPay App
8a. Authorize Payment (Apple Pay and Google Pay)
26
Use Touch ID or passcode to pay
Change UID
Restore Data
Change UID
Restore Data
HKD 200.00
HKD 400.00
HKD 200.00
HKD 200.00
HKD 200.00
HK$400.00
CustomeruPay App
8b. Authorize Payment (Alipay/AlipayHK)
27
Login Alipay/AlipayHK to pay
CustomeruPay App
HKD 400.00
HK$ 400.00
HK$ 400.00
9. Process Payment Transaction
29
1. Payment transaction is sent to HKU server and payment information is captured
2. HKU server sends transaction to Payment Gateway
Payment transaction
Payment transaction
HKU server Payment GatewayDBCapturePayment
Information
CustomeruPay AppChange UID
Restore Data
HKD 200.00
HKD 400.00
HKD 200.00
HK$400.00
Loading …
10. Complete Payment Transaction
30
1. Payment Gateway returns payment result to HKU server and the result is stored
2. HKU server returns payment result to uPay App which shows the transaction completed acknowledgementPayment
resultPayment
result
HKU server Payment GatewayDBStore
PaymentResult
CustomeruPay AppHKU uPay
11. Record Receipt Number (optional)
31
Department Staff mPOS App
Optional:When the payment is completed & the department’s application prints a receipt, staff inputs the receipt number to complete the payment process
DBRecord receipt number
12. Hand Over Receipt
32
Department Staff Customer
Staff hands over the receipt to the customer
Online web payment
33
ShowQR Code
ScanQR Code to pay
Open uPay App to pay
Department’sweb application/online shop
• Support online web payment for direct integration with department software/web application
• After registered to use MPDS for online payment, web application/online shop can be enhanced to create order in MPDS and generate QR code for uPay App to scan to make payment
Online Web Payment
Desktop web application
35
ApplicationMPDS
DesktopWeb Application
1. Send payment details to MPDS
3. Show Pay Button
HKU uPay App
5. Scan QR Code
6. Process payment
Payment Gateway
7. Submit payment toPayment Gateway
8. Receive response fromPayment Gateway
9a. Send payment response to HKU uPay App
9b. Send payment response
10. Show payment result
4. Press Pay Button andThe application shows payment QR Code
2. Return order number
Mobile web application
36
ApplicationMPDS
Mobile Web Application
1. Send payment details to MPDS
3. Show Pay Button
HKU uPay App
5. Open HKU uPay App
6. Process payment
Payment Gateway
7. Submit payment toPayment Gateway
8. Receive response fromPayment Gateway
9a. Send payment response to HKU uPay App
9b. Send payment response
4. Press Pay Button
2. Return order number
10. Show payment result
MPDS WEB API
37
• Centralized mobile payment handling platform
• Web API
• JSON
• HTTPS
• Access control by API Key
• Restricted for authorised servers access only
Registration• Department:
– Register to use MPDS
– Register the application to use online mobile payment service with providing the name of the application and the IP address of the server
– Register the items to accept online payment
– Provide the backend URL for receiving the payment result acknowledge
– Provide the payment result URL to display the payment result
– Provide a recent virus scan report of the application server
• ITS– API Key
38
Live Demo
39
40
Web Enquiry SystemMSS > IT Services > Mobile Payment Txn Enquiry
41
Web Enquiry SystemMain Page
42
Web Enquiry SystemMenu: Transaction Enquiry
43
Web Enquiry SystemInput Search Criteria (1/2)
44
Web Enquiry SystemInput Search Criteria (2/2)
45
Web Enquiry SystemSample Output
Service Charges
46
Payment Method
PaymentGateway
Charge
MPGS2.35%
2.35%
mPay2.3%
1.7%
Apply to use Mobile Payment for Department Services (1)
47
Apply to use Mobile Payment (2)
48
Apply to use Mobile Payment (3)
49
HKU Mobile Payment – Future
• Direct Mobile Payment API– Facilitate faculties to integrate mobile payment channels into
their own grown mobile app via MPDS without calling HKU uPay App
–Department mobile app can complete the mobile payment process within their own app
– Support both Android and iOS implemenations
– Flexible for department to opt-in only to some of the mobile payment methods
• Centralized payment categorization processing– Same as in “in-store” merchandising mobile payment
50
HKU mPOS App & HKU uPay Appavailable in Apple Store & Google Store
51
HKU mPOS HKU uPay
Q & A
52
Thank you
53