eKassir the Adapter for the System of Fast Payments (SFP)

Main article: System of Fast Payments (SFP)

2021: Adapters for SBP S2S and C2B

The adapter for SBP S2S

"The adapter for the System of fast payments" is implemented by C2C (transfers between individuals) based on eKassir Operation Server according to the SBP specification: "OPKTS SBP standard. System of fast payments. Protocol and main functional requirements. Book 1, Version 1.0". According to information for January, 2021 the boxed solution supports the C2C and C2B specifications. Other specifications will be supported in process of updating of the standard from the National Payment Card System.

Components:

• Operation Server is the payment and transaction server.
• Access Manager is the system component which is responsible for access control (services of a system (OAuth 2.0 protocol), users of a system (OpenID Connect)).
• The ISO 20022 adapter - the adapter implementing an interaction interface with SBP NSCP.
• Web control panel with SBP – the back office application for management of transfers and settlement processes of debates on the sent and accepted transfers.
• "Amber" - means of cryptographic protection (it is purchased by bank separately).

Functionality:

• Consent with conditions and choice of the account of transfer
• Choice of bank "by default"
• Sending and acceptance of transfers

The adapter for SBP S2B

"The adapter for the System of fast payments" of C2B (payments from individuals legal) - the solution for SBP participating banks and agents of TSP (trade and service companies) developed based on eKassir Operation Hub - a shrink-wrapped software product of eKassir company.

• With the help of the solution Adapter of SBP C2B Bank can quickly bring into commercial operation C2B-transfers in a full compliance with the standard of the Central Bank.
• The SBP C2B adapter allows bank to perform functions of acceptance and sending payments, as well as functions of the agent of TSP.
• Operation Hub works in 50 Banks of Russia (data for January, 2021).
• Performance of Operation Hub is 50 payments per second on one note (server). At the same time the Operation Hub components are linearly scaled. Functioning of Operation Hub for a server cluster is tested in the conditions of processing up to 250 payments per second.

The SBP C2B adapter is a distributed system which includes server and frontal components. Server components are installed in bank owner systems, and frontal can be used by the legal entities and TSP participating in SBP by means of the agency scheme of bank. Frontal components are not obligatory and also simplifications of their interaction with SBP are developed for comfortable management of legal entities and TSP, explained in eKassir.

Functionality of bank of the sender/receiver:

• Transfer of funds for the account of the receiver
• Payment of purchase on QR-Static
• Payment of purchase on QR-Dynamic
• Return transaction

Functionality of agent bank of TSP:

• Registration of legal entity
• Account registration of the legal entity
• Registration of sales points of legal entity (TSP)