Money Flow and Billable Events

Purchase using emoney:

will use bevtid 317 C2MP
possible mode of payments would be: manual type of customer's msisdn, tap nfctag, MA scan consumer presented qrcode
SCENARIO: Ben(consumer) went into a dairy to purchase some candies, the store keeper(merchant) punches in the transaction and Ben opted to pay by tapping his card.

will use bevtid 339 CIMP
possible mode of payments would be: CA will scan Merchant's qr code (static/dynamic)
SCENARIO: Ben(consumer) went into a dairy to purchase some candies, the store keeper(merchant) punches in the transaction and Ben opted to pay by scanning the QRcode displayed beside the till.

3 actors in this transaction, merchant/consumer, sender and receiver
can be initiated by a merchant or the consumer.
On Net - if the receiver is with us, we dont need to create a send money voucher, receiver can use the amount sent straight off
Off Net - if the receiver is not with us, or if it's with us and the account Type is MMSingle then, we still need to create a send money voucher, and would need to be redeemed

is always Over The Counter transaction for merchant. meaning sender will alway pay with real cash to the merchant
will use bevtid 315 M2CT (onNet) or 325 M2CTO (offNet)
SCENARIO[On Net]: Ben(sender) went into a dairy to send money to his wife(receiver) who is already an existing account in our system, the Store keeper(merchant) requests for required information msisdn of both Ben and his wife and the amount to be sent. Ben pays the Store keeper with cash and Ben’s wife will receive the money immediately in her e-money account.
SCENARIO[Off Net]: Ben(sender) went into a dairy to send money to his wife(receiver) who NOT existing in our system, the Store keeper(merchant) requests for required information msisdn of both Ben and his wife and the amount to be sent. Ben pays the Store keeper with cash and Ben and his wife will receive a SMS notification regarding the redemption code which they need to present when redeeming the money.

2 actors in this transaction, merchant and receiver
can be initiated by merchant only
will use bevtid 326 C2MRO
merchant will give actual cash to the receiver that is why the emoney if credited to the merchant's balance.
SCENARIO: Ben’s wife went to a shop that supports our product, and requests to redeem the money that was sent by her wife. The Store keeper(merchant) requests for required information msisdn of Ben’s wife, redemption code and the amount to be received. Once system verifies it, Store keeper will release actual cash to Ben’s wife.

2 actors in this transaction, merchant/consumer and biller’s float account
will use bevtid 343 BILL
SCENARIO: Ben wanted to pay his water bill and uses our app to accomplish it. E-money will be deducted from Ben’s balance and transfer to the float account of the water bill.

can be initiated by a merchant only
2 actors in this transaction, merchant and consumer
will use bevtid 318 C2MD
SCENARIO: Ben went to a shop that supports our product, and requests to deposit to his Emoney account. The Store keeper(merchant) requests for Ben’s msisdn and how much he wants to deposit. Store keeper receives the payment from Ben and makes the transaction. Ben check’s his emoney balances and see’s it increased based on the amount paid.

2 actors in this transaction, merchant and consumer
will use bevtid 316 C2MW
SCENARIO: Ben went to a shop that supports our product, and requests to withdraw part of his Emoney. The Store keeper(merchant) requests for Ben’s msisdn and how much he wants to withdraw. Store keeper makes the transaction, and once successful, give Ben the cash withdrawn.