UPI LITE LoadMoney Flow
Description
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- LLM? Read llms.txt
The flow elaborates the process of loading money onto the lite account.
Post getting a successful RespListKeys,customers shall be prompted to enter UPI PIN and top-up/load amount on CL page.
CL triggers a request to access the private key and the customer is prompted for device fingerprint scan.
CL creates the cred combination (MPIN and ARQC) and passes the same to the app.
App initiates request to the Payer PSP.
Payer PSP fires ReqPay (purpose=”41”) to UPI.
NPCI forwards the request to the issuer bank for DEBIT with UPI PIN validation.
Issuer bank validates MPIN, debits Issuing account of user and credits Pool account.
Success RespPay from Issuer bank to NPCI.
On success response from Issuer bank, NPCI updates the balance for the user and sends ARPC.
NPCI sends the final RespPay to the Payer PSP with the ARPC.
PSP passes the response with ARPC to the merchant app.
App forwards the ARPC to CL.
��CL verifies the value and confirms the changes with the updated balance.
App shall now ask CL for balance and display the same to the customer.
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