Fineract for Agency Banking using POS Credit Card device and USSD Channel

[Ippez Robert <ip...@gmail.com>]

Hi Dev,
Hope everything is well. I was wondering if anyone has ever implemented an
Agent Banking module in fineract using either USSD channel or POS devices
like Ingenico POS Credit Card terminals and readers? Any discussions around
this is much appreciated.

-- 

*Ippez Robert*
Skype ID: ippez.robert1
Email:  ippezrobert@apache.org

Re: Fineract for Agency Banking using POS Credit Card device and USSD Channel

[CCB <cc...@herringbancorp.com>]

We can help with all of that... if the market exists.

Please contact me directly and we can assist building an "authorize.net" 
type plugin for fineract... accompanied with network access... for the 
community.

It would be important to us that the feature be included in the 
community version.

Campbell

On 5/20/2023 5:45 AM, Ippez Robert wrote:
> Hi Dev,
> Hope everything is well. I was wondering if anyone has ever 
> implemented an Agent Banking module in fineract using either USSD 
> channel or POS devices like Ingenico POS Credit Card terminals and 
> readers? Any discussions around this is much appreciated.
>
> -- 
> *Ippez Robert
> *
> Skype ID: ippez.robert1
> Email: ippezrobert@apache.org
-- 

Herring BANCORP®

*C. Campbell Burgess
*President/CEO
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ccb@herringbancorp.com


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Re: Fineract for Agency Banking using POS Credit Card device and USSD Channel

["Zayyad A. Said" <za...@intrasofttechnologies.com>]

Robert,

We have done USSD for clients access and not agents.

I believe it's still possible to build USSD for agents as users with
specific permissions.

Is this a project you will be interested in partnership? Let's talk
privately.

Regards,
Zayyad A. Said

On Sat, 20 May 2023, 15:29 Ippez Robert <ip...@gmail.com> wrote:

> Hey Samuel,
> Mainstream cards like VISA..... Basically a debit card not a credit card,
> The other channel for agent transaction being USSD!
>
> Thanks and regards
> Robert
>

Re: Fineract for Agency Banking using POS Credit Card device and USSD Channel

[James Dailey <ja...@gmail.com>]

We've had a number of discussions already in the past several years
where we've pointed out the inherent limitations in the design and
implementation of the Self-Service component. I don't want to offend
anyone, but this has to change. We have discussed it previously and
already there is a roadmap item whereby the Self-Service component
would become more external and optional to the core. This will
strengthen the overall security because one can more easily pass
static and dynamic security audits that currently evaluate the
Self-Service API "unfavorably".  While I know that the Self Service
APIs are a favorite because of the features that they enable, and it
is tempting to try to extend them, we really shouldn't, not until we
have a new path laid out.

If you have some ideas on how to have a good design and move this into
a robust security model as well, please raise them here in generic
terms. This will overlap I think with the discussion on auth server
and resource server.  Please note that all security issues should be
formally raised on security@fineract.apache.org or security@apache.org
and to keep in mind that this is a public email list.




On Sun, May 21, 2023 at 12:40 AM Ippez Robert <ip...@gmail.com> wrote:
>
> Dear Fineracters,
>
> Thanks for taking some time to have discussions around this. From the discussion so far, presumably USSD for clients has been implemented so far by one of the partners (Zayyad A. Said). It will be great to extend this for this cause and at the end of the day contribute it back to the community. (Zayyad A. Said we can discuss about this, but it will may need major APIs implementations on the main Fineract codebase like Self Service APIs for clients).
>
> If I remember correctly, when the self service APIs were being discussed for implementation, there were considerations for Agency Banking as part of this implementation. But it seems the implementation stage didn't cater for this.
>
> From the archives, I see this https://github.com/openMF/mobileapps.github.io/blob/master/index.md#third-partyagent-banking-external-staff , so am wondering if the APIs already exist in Fineract codebase so that we can benchmark on it.
>
> Thanks and regards
> Ippez Robert
>
>

Re: Fineract for Agency Banking using POS Credit Card device and USSD Channel

[Ippez Robert <ip...@gmail.com>]

Dear Fineracters,

Thanks for taking some time to have discussions around this. From the
discussion so far, presumably USSD for clients has been implemented so far
by one of the partners (Zayyad A. Said). It will be great to extend this
for this cause and at the end of the day contribute it back to the
community. (Zayyad A. Said we can discuss about this, but it will may need
major APIs implementations on the main Fineract codebase like Self Service
APIs for clients).

If I remember correctly, when the self service APIs were being discussed
for implementation, there were considerations for Agency Banking as part of
this implementation. But it seems the implementation stage didn't cater for
this.

From the archives, I see this
https://github.com/openMF/mobileapps.github.io/blob/master/index.md#third-partyagent-banking-external-staff
, so am wondering if the APIs already exist in Fineract codebase so that we
can benchmark on it.

Thanks and regards
Ippez Robert

RE: Fineract for Agency Banking using POS Credit Card device and USSD Channel

[Samuel Ngoda <s....@finaplusglobal.com>]

Hey,

 

This is very possible.

We have carried out projects with both and we would be happy to help.

 

Fineract does not have to be modified directly but a middleware built on other technology or as a plugin can help with the ussd, the user’s phone numbers would be used to identify the client.

 

For the card, depending on whether you would like to tokenize or not, one or multiple middleware can be used to get the account number using the card token or data and do transactions.

 

The app on the POS device would include the receiving party’s information that can be used to get the destination account and any other agency stuff like float.

 

For mainstream, you would need a switch kind of architecture or alternatively integrate through cybersource or another service then using a clearing cash account, credit the customer’s account when fineract receives a payment notification from the card service.

 

Regards,

Samuel

 

 

 

 

 

 

From: Ippez Robert <ip...@gmail.com> 
Sent: Saturday, 20 May 2023 15:29
To: dev@fineract.apache.org
Subject: Re: Fineract for Agency Banking using POS Credit Card device and USSD Channel

 

Hey Samuel,

Mainstream cards like VISA..... Basically a debit card not a credit card, The other channel for agent transaction being USSD!

 

Thanks and regards

Robert

Re: Fineract for Agency Banking using POS Credit Card device and USSD Channel

[Ippez Robert <ip...@gmail.com>]

Hey Samuel,
Mainstream cards like VISA..... Basically a debit card not a credit card,
The other channel for agent transaction being USSD!

Thanks and regards
Robert

RE: Fineract for Agency Banking using POS Credit Card device and USSD Channel

[Samuel Ngoda <s....@finaplusglobal.com>]

Hi Robert, 

 

Does the acquirer or financial institution use custom cards or you would like mainstream cards like visa?

 

Regards,

Samuel

 

From: Ippez Robert <ip...@gmail.com> 
Sent: Saturday, 20 May 2023 13:46
To: Dev <de...@fineract.apache.org>
Subject: Fineract for Agency Banking using POS Credit Card device and USSD Channel

 

Hi Dev,

Hope everything is well. I was wondering if anyone has ever implemented an Agent Banking module in fineract using either USSD channel or POS devices like Ingenico POS Credit Card terminals and readers? Any discussions around this is much appreciated.


 

-- 

Ippez Robert

Skype ID: ippez.robert1
Email:   <ma...@apache.org> ippezrobert@apache.org