Payment Hub-X

UPI
IMPS
POS
RTGS
NEFT
NFS
AePS

GRAVITY Payment Hub X – Building Blocks

Interoperability
Docking Station
Auto API Discovery & API Universe (CF)
Journey Orchestration Engine (CF)
Best Available Payment System (CF)
Interoperable Rewards Management
UPI on Credit-Line
Futuristic Payments
Virtual Account Co-Pilot (CF)
BalanceCo-Pilot (CF)
Bill Payment Co-Pilot (CF)
Advance Cash Co-Pilot (CF)
Smart Tokens (CF)
Smart Insights
Performance Multiplier
Transaction Governor
Transaction Prioritization Engine (CF)
Intelligent Queuing System (CF)
Event Manager
CBS Cloning
Regulatory Compliance
Data Privacy and Data Protection Enforcer (CF)
Regulatory Compliance Enforcer (CF)
Consent Management System (CF)
Duplicate Digital Assets Identification (CF)
Back-Office Operations
Centralized Reconciliation
Centralized Limit Management
Net Promoter Score
Corporate Payments Management

Interoperability & Orchestration Layer

Organization Management
  • Organization Onboarding
  • Sector Management
  • Category Management
  • Fintech Onboarding & Management
System Management
  • System Onboarding
  • TSP Classification
  • System Service Management
  • End-Point Configuration
  • Environment Type Management
  • System-wise Security Configuration
  • System-wise Database Connection Management
  • System-wise Authentication Method Configuration

API Access Control

  • API Time Limit Configuration
    API Time Limit Configuration
  • API Count Limit Configuration
    API Count Limit Configuration
  • API Sync/Async Configuration
    API Sync/Async Configuration
  • Fintech specific API and Journey Throttling and Priority Management
    Fintech specific API and Journey Throttling and Priority Management

Payment Journey Control

Decentralised systems. Centralised control. Effort duplication eliminated.
Payment Systems
UPI
IMPS
AePS
NFS/Card Networks
NEFT/RTGS
  • Authentication
  • FRM Check
  • Encryption/ Decryption
  • Others
ESB
CBS

Transaction Governor & Priority Management

Introduction

  • GRAVITY Transaction Governor simultaneously analyses the incoming load and the current CBS health to derive the most optimal transaction load that CBS can process at any given instance.
  • Transaction Governor introduces a queueing mechanism to temporarily park the incoming transaction load and forward the transactions at a controlled rate which is sustainable
    by the CBS.
  • Transaction Governor leverages the timeout provided by the network provider to process transaction requests and prevents the CBS from getting exposed to non-manageable transaction traffic.
Customer Channels
  • Mobile Banking
  • Internet Banking
  • E-Commerce
  • Payment Gateways
  • POS
Payment Systems
  • UPI Switch
  • IMPS Switch
  • AePS Switch
  • NFS / Card Networks
  • NEFT/RTGS
Payment Hub X
ESB
CBS

Working

  • GRAVITY Transaction Governor Queuing mechanism consists of 3 different underlying Queues i.e. Primary, High Priority and Dead.
  • All the incoming transactions are first placed in the Primary queue before further processing. CBS.
  • Based on the time spent by a transaction request in the Primary Queue has reached a threshold and the Priority set for every transaction type in the GRAVITY Transaction
    Priority Manager, transactions are moved into High Priority Queue. As the name suggests, these transactions are pushed to the CBS at a higher priority for processing.
  • A few transactions within the High Priority Queue which reach a state of a definite timeout will be moved to the Dead Queue.
  • Dead Queue can have a different treatment for different type of transactions thus offloading CBS from processing the same.

Revolutionary technology to achieve near zero digital transactions declines

  • Digital Transaction Channels in a Bank : NEFT, RTGS, IMPS, UPI, AEPS, Debit Card, redit Card, more.
  • Unavailability of any of the above systems results in a complete shutdown for all the transactions initiated through that channel.
  • Payment Co-Pilot makes all the payment channels interoperable and allows high-performing channels to surrogate for lower-performing channels for system-initiated transactions.
  • Customer will be prompted the best available system having the highest probability of success for the given transaction to avoid transaction decline.
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Purpose-driven Payment enablement for Kids/Family Members/Associates under one Principal Account (Savings and related accounts) with distinct Payment Instruments like UPI IDs, Virtual Debit/Credit/Prepaid Cards and more.

Virtual Accounts Management System (Payments)

  • Purpose-Driven Payment Control (e.g. Grocery, Utility Bill Payments, Education, Fuel and more)
  • Profile-based Virtual Accounts for Family and Associates (e.g. Parents, Spouse, Kids, Employees and more)
  • Bulk Virtual Account Creation Facility
  • Hierarchy based Payment Limits (Department-wise, Project-wise etc.) with Purpose Control for Corporate Customers
  • Transaction Amount and Count based spend limits over each Virtual account for the defined purpose
  • Virtual Account Transaction Instruments:- UPI, Virtual Debit Card, Virtual Credit Card, Virtual Prepaid Card
  • Virtual Account Transaction Statement- Successful Transactions, Failed Transactions (with Failure Reason)
  • Integration with ERP/CRM System
  • Auto-Reconciliation (Switch, CBS, GRAVITY VAMS, NPCI and more)

Virtual Account Maintenance

  • Transaction Limit modifications within Virtual Account
  • Enable/Disable multiple Payment Purposes with respective Transaction Limit within a single Virtual Account
  • Combine multiple Payment Purposes within single Transaction Limit set for Virtual Accounts
  • Create an Emergency Fund within existing Virtual Accounts without purpose restriction for a limited duration

Collection Virtual Accounts for Corporate Entities (Education Institutes/Housing Societies/Municipal Bodies/Demat Service Providers/Dealership Businesses/Utility Service Providers and more)

Simplified reconciliation of Virtual Account Collections for Corporate Entities

Virtual Accounts Management System (Collection)

  • Customer driven seamless Collection Virtual Account Creation with Limits & Controls
  • Bulk Virtual Account Creation Facility & Virtual Account Statement Facility
  • Collection Virtual Accounts for Individual customers for Income or Recovery Tracking
  • Collection Virtual Accounts for Corporate customers (e.g. Fees Collection, Tax Collection, Utility Bills Collection, Brokerage Collection etc.
  • Hierarchy based Collection Monitoring (Region-wise, Remitter Type-wise etc.) with for Corporate Customers
  • Channel wise control for incoming Transactions (RTGS/NEFT/UPI/IMPS/Debit Card/Credit Card/Wallet and more)
  • Purpose driven Payment Facility within Collection Virtual Accounts
  • Bulk Refund Facility (e.g. Refund of Unutilized funds on a scheduled basis from Broker Accounts like Zerodha)
  • Asynchronous transaction Posting in CBS for zero transaction declines (CBS Cloning)
  • Dynamic Charges Module
  • Integration with ERP/CRM System
  • Auto Reconciliation (All Transaction Channels, CBS, GRAVITY VAMS, NPCI and more)

Balance Co-Pilot

  • A customer holds multiple source of funds with the bank : Savings Account, Family
    Accounts, Credit Cards, FD, more
  • While honouring a payment commitment, only the Transaction Account is considered for
    funds.
  • Balance Co-Pilot enables all kinds of alternate source of funds as highlighted above
    for honouring the payment in case of insufficient balance available within the
    Transaction Account.
  • Customers can enable multiple alternate sources of funds and manage limits and
    priority of each alternate source of fund for different types of transactions like
    Standing Instructions, Clearing Transactions, Bill Payments, POS/ECOM, UPI and more

Digital Channels

  • RTGS/NEFT
  • IMPS
  • UPI
  • Clearing/SI
  • POS/ECOM
Insufficient Account Balance
  • Personal Loan
  • Credit Card
  • FD-OD
  • Family Accounts
  • Others

Consent Management

  • Consent Master Management
  • Consent Purpose Management
  • Consent Category Management
  • Consent to Purpose Mapping
  • Consent and Purpose Version Management
  • Consent Medium Management
  • Consent Entity Management
  • Consent Data Source Management
  • Consent to Journey Mapping
  • Consent of Shared Data Parameters Management
  • Consent Duration Management
  • Consent Consumption Authorization Workflow
  • Consent to Document Mapping
  • Consent Validation and Verification Functionality

Consent Co-Pilot

  • User Specific Consent List and Details
  • Runtime Consent Enable/Disable Functionality
  • User Specific KYC Document List and Details
  • Document wise Consent Managment
  • Pending Consent Notification

Regulatory & Compliance Management

Select Migration Process

Regulatory & Organization Circular / Policy Document Library

  • API Based automatic Circulars/Policy Documents Fetch/Update and Storage Capability
  • Provision to upload Circutars/Policy Documents as and when required
Regulatory Entities covered:
  • Government Acts/Laws
  • RBI
  • NPCI
  • IBA
  • Income Tax
  • FIU
  • UIDAI
  • CERSAI
  • Indirect Tax
  • Many more

Regulatory & Organization Policy Guideline Repositor

  • AI-Driven Circular interpretation through LLMs
  • AI-Driven Policy Guideline Discovery and Repository Creation from Circulars and Policies
Policy Guideline Categorization and PrioritizationBasis:
  • Jurisdiction
  • Regulatory Entity
  • Category
  • More

Framework Manager

  • Standardized Framework Definition, Categorization and Prioritization Mechanism Auto-Embedded
  • Core Systems Data Points to Framework Mapping Engine
  • Policy Guideline to Framework Mapping Engine
  • Automatic identification of Regulations applicability as per Policy Guidelines within Frameworks

API to Framework Relationship Manager

API Repository of all underlying Tech-Systems like
  • CBS
  • CRM
  • Payment Systems
  • LOS
  • LMS
  • Wealth
  • CCMS/DCMS
  • More
  • Auto Embedded mechanism to map APIs with applicable Standardized Frameworks across Tech Eco-System
  • AI-driven relationship builder between API > Framework > Policy Guidelines

Policy Guidelines to Digital Journey Mapping

  • API Based Digital Journey Curation
  • View of Linking of Circulars > Policy Guidelines > Frameworks > APIs > Digital Business Journeys in Totality
  • End-to-End Traceability of applicable Compliance Adherence/Miss-outs across all Regulatory/Business Use Cases
  • Highly Simplified Compliance Implementation and Monitoring
  • Scoring Mechanism of every digital journey based on adherence/miss-outs of applicable Policy Guidelines

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