Introduction

Let's step into eWallet!

eWallet is a convenient and secure platform that enables individuals or businesses to make transactions electronically without having to carry any physical cards.

eWallet provides numerous features that are not available in traditional wallets such as complete traceability which allows consumers to trace of all their transactions, password protection, instant payments, limited risks and uses encryption technology to enhance the wallet security.

Figure below explains the overview process of configuring eWallet.

eWallet SDK

Step	Sender	Receiver	Process
1	Customer	Startup	Customer uses an eWallet function, sending request data to Startup.
2	Startup	MyXaaS	Startup sends the encrypted request data to MyXaaS.
3	MyXaaS	Startup	MyXaaS provides the response data to Startup.
4	Startup	Customer	Startup displays response data of the eWallet function to Customer.

eWallet API

Mobile Number Verification

Step	Sender	Receiver	Process
1	Customer	Startup	Customer enters mobile number and nationality.
2	Startup	MyXaaS	Startup sends request to verify customer's mobile number and nationality.
3	MyXaaS	Startup	MyXaaS performs verification and subsequently returns information on the outcome of the verification.
4	Startup	Customer	Startup notifies Customer on the outcome and the next course of action.
5	Customer	Startup	Customer requests an OTP.
6	Startup	MyXaaS	Startup requests MyXaaS to send an OTP to the customer's mobile phone.
7	MyXaaS	Startup	MyXaaS returns the response of the request.
8	MyXaaS	Customer	MyXaaS sends an OTP to the customer's mobile number.
9	Startup	Customer	Startup notifies Customer on the next course of action.
5.1	Customer	Startup	Customer requests to resend an OTP.
6.1	Startup	MyXaaS	Startup requests MyXaaS to resend an OTP to the customer's mobile phone.
7.1	MyXaaS	Startup	MyXaaS returns the response of the request.
8.1	MyXaaS	Customer	MyXaaS resends an OTP to the customer's mobile number.
9.1	Startup	Customer	Startup notifies Customer on the next course of action.
10	Customer	Startup	Customer inputs OTP.
11	Startup	MyXaaS	Startup requests to verify the OTP received.
12	MyXaaS	Startup	MyXaaS returns the response of the request.
13	Startup	Customer	Startup notifies Customer on the outcome of the verification. If verification failed, then return to Step 5.

Personal Information Verification

Step	Sender	Receiver	Process
1	Startup	Customer	Startup requests customer to enter password.
2	Customer	Startup	Startup enters new password.
3	Startup	MyXaaS	Startup sends request to set customer's password.
4	MyXaaS	Startup	MyXaaS returns the response of the request.
5	Startup	Customer	Startup notifies Customer on the outcome and the next course of action.
6	Customer	Startup	Customer enters personal details.
7	Startup	MyXaaS	Startup sends request to set customer's personal details.
8	MyXaaS	Startup	MyXaaS returns the response of the request.
9	Startup	Customer	Startup notifies Customer on the outcome and the next course of action.
10	Customer	Startup	Customer enters card preferences.
11	Startup	MyXaaS	Startup sends request to set customer's card preferences.
12	MyXaaS	Startup	MyXaaS returns the response of the request.
13	Startup	Customer	Startup notifies Customer on the outcome.

Wallet Upgrade e-KYC

Step	Sender	Receiver	Process
1	Customer	Startup	Customer requests to upgrade wallet.
2	Startup	MyXaaS	Startup sends request to check the customer’s eligibility for wallet upgrade.
3	MyXaaS	Startup	MyXaaS returns the response of the request.
4	Startup	Customer	Startup notifies Customer on the outcome and requests customer to upload supporting documents (NRIC/Passport/Selfie).
5	Customer	Startup	Customer uploads supporting documents.
6	Startup	MyXaaS	Startup uploads the customer's supporting documents.
7	MyXaaS	Startup	MyXaaS returns the response of the request.
8	Startup	MyXaaS	Startup sends request to upgrade customer's wallet.
9	MyXaaS	Startup	MyXaaS returns the response of the request.
10	Startup	Customer	Startup notifies Customer on the new wallet status.

OTP Management

Step	Sender	Receiver	Process
1	Startup	Customer	Startup requests Customer to enter OTP.
2	Customer	Startup	Customer requests an OTP.
3	Startup	MyXaaS	Startup requests MyXaaS to send an OTP to the customer's mobile phone.
4	MyXaaS	Startup	MyXaaS returns the response of the request.
5	MyXaaS	Customer	MyXaaS sends an OTP to the customer's mobile number.
6	Startup	Customer	Startup notifies Customer on the next course of action.
2.1	Customer	Startup	Customer requests to resend an OTP.
3.1	Startup	MyXaaS	Startup requests MyXaaS to resend an OTP to the customer's mobile phone.
4.1	MyXaaS	Startup	MyXaaS returns the response of the request.
5.1	MyXaaS	Customer	MyXaaS resends an OTP to the customer's mobile number.
6.1	Startup	Customer	Startup notifies Customer on the next course of action.
7	Customer	Startup	Customer inputs OTP.
8	Startup	MyXaaS	Startup requests to verify the OTP received.
9	MyXaaS	Startup	MyXaaS returns the response of the request.
10	Startup	Customer	Startup notifies Customer on the outcome of the verification. If verification failed, then return to Step 5.

Wallet PIN Management

Step	Sender	Receiver	Process
1	Customer	Startup	Customer requests to setup wallet PIN.
2	Startup	MyXaaS	Startup requests to verify customer's information / device.
3	MyXaaS	Startup	MyXaaS returns the response of the request.
4	Startup	Customer	Startup requests Customer to enter OTP.
5	Customer	Startup	Customer requests an OTP.
6	Startup	MyXaaS	Startup requests MyXaaS to send an OTP to the customer's mobile phone.
7	MyXaaS	Startup	MyXaaS returns the response of the request.
8	MyXaaS	Customer	MyXaaS sends an OTP to the customer's mobile number.
9	Startup	Customer	Startup notifies Customer on the next course of action.
5.1	Customer	Startup	Customer requests to resend an OTP.
6.1	Startup	MyXaaS	Startup requests MyXaaS to resend an OTP to the customer's mobile phone.
7.1	MyXaaS	Startup	MyXaaS returns the response of the request.
8.1	MyXaaS	Startup	MyXaaS resends an OTP to the customer's mobile number.
9.1	Startup	Customer	Startup notifies Customer on the next course of action.
10	Customer	Startup	Customer inputs OTP.
11	Startup	MyXaaS	Startup requests to verify the OTP received.
12	MyXaaS	Startup	MyXaaS returns the response of the request.
13	Startup	Customer	Startup notifies Customer on the outcome of the verification. If verification failed, then return to Step 5.
14	Customer	Startup	Customer enters new wallet PIN.
15	Startup	MyXaaS	Startup requests to setup Customer's new wallet PIN.
16	MyXaaS	Startup	MyXaaS returns the response of the request.
17	Startup	Customer	Startup notifies Customer on the outcome and requests customer to confirm the new wallet PIN.
18	Customer	Startup	Customer confirms new wallet PIN.
19	Startup	MyXaaS	Startup request to validate the PIN keyed in by Customer.
20	MyXaaS	Startup	MyXaaS returns the response of the request.
21	Startup	Customer	Startup notifies Customer on the outcome.

Wallet Top-up

Step	Sender	Receiver	Process
1	Customer	Startup	Customer requests to top-up wallet.
2	Startup	MyXaaS	Startup sends request to top-up customer's wallet.
3	MyXaaS	Startup	MyXaaS top-up customer's wallet and send response upon action complete.
4	Startup	Customer	Startup notifies wallet top-up status.

Wallet and Card Enquiry

Card Enquiry

Step	Sender	Receiver	Process
1	Customer	Startup	Customer requests to view card information and fields.
2	Startup	MyXaaS	Startup sends customer's request to view card information and fields.
3	MyXaaS	Startup	MyXaaS responses with customer's card information and fields.
4	Startup	Customer	Startup displays customer's card information and fields.

Wallet Enquiry

Step	Sender	Receiver	Process
1	Customer	Startup	Customer requests to retrieve wallet balance and details.
2	Startup	MyXaaS	Startup sends request to retrieve wallet balance and details of customer.
3	MyXaaS	Startup	MyXaaS responses with wallet balance and details of customer.
4	Startup	Customer	Startup displays wallet balance and details of customer.

Transaction History

Step	Sender	Receiver	Process
1	Customer	Startup	Customer requests to retrieve monthly transaction history.
2	Startup	MyXaaS	Startup sends request to retrieve the monthly transaction history of customer.
3	MyXaaS	Startup	MyXaaS responses with monthly transaction history of customer.
4	Startup	Customer	Startup displays the monthly transaction history of customer.

Statement Details

Step	Sender	Receiver	Process
1	Customer	Startup	Customer requests to retrieve monthly statement details and transaction history.
2	Startup	MyXaaS	Startup sends request to retrieve monthly statement details and transaction history of customer.
3	MyXaaS	Startup	MyXaaS responses with monthly statement details and transaction history of customer.
4	Startup	Customer	Startup displays the monthly statement details and transaction history of customer.

Card CVV

Step	Sender	Receiver	Process
1	Customer	Startup	Customer requests to retrieve card CVV.
2	Startup	MyXaaS	Startup sends request to retrieve customer's card CVV.
3	MyXaaS	Startup	MyXaaS retrieves customer's card CVV and response with outcome.
4	Startup	Customer	Startup displays the customer's card CVV.

Data Enquiry

Step	Sender	Receiver	Process
1	Customer	Startup	Customer requests to retrieve predefined data set by CardWorks host.
2	Startup	MyXaaS	Startup sends request to retrieve predefined data set by CardWorks host.
3	MyXaaS	Startup	MyXaaS retrieves predefined data set by CardWorks host and response with outcome.
4	Startup	Customer	Startup displays the predefined data set by CardWorks host.

DuitNow

Transfer by DuitNow ID

Step	Sender	Receiver	Process
1	Customer	Startup	Customer initiates an instant transfer - transfer by DuitNow ID by entering the recipient's DuitNow ID.
2	Startup	MyXaaS	Startup sends DuitNow ID Resolution message request to enquire recipient information by proxy ID. Proxy ID includes: • NRIC, passport number, mobile number, army/police number or business registration number.
3	MyXaaS	Startup	MyXaaS returns the outcome of the enquiry.
4	Startup	Customer	Startup notifies Customer on the recipient information.
5	Customer	Startup	Customer verifies the beneficiary details and confirms on the transfer.
6	Startup	MyXaaS	Startup sends request to MyXaaS to perform the transfer to the desired recipient.
7	MyXaaS	Startup	MyXaaS returns the response of the request.
8	Startup	Customer	Startup notifies Customer on the status of the transfer.

Transfer by Account Number

Step	Sender	Receiver	Process
1	Customer	Startup	Customer initiates an instant transfer - transfer by bank account number by entering the recipient's account number.
2	Startup	MyXaaS	Startup sends request to enquire recipient information by bank account number.
3	MyXaaS	Startup	MyXaaS returns the outcome of the enquiry.
4	Startup	Customer	Startup notifies Customer on the recipient information.
5	Customer	Startup	Customer confirms transfer and enter Wallet PIN to proceed.
6	Startup	MyXaaS	Startup sends request to MyXaaS to perform the transfer to the desired recipient.
7	MyXaaS	Startup	MyXaaS returns the response of the request.
8	Startup	Customer	Startup notifies Customer on the status of the transfer.

DuitNow QR

Step	Sender	Receiver	Process
1	Customer	Startup	Customer scans merchant's DuitNow QR and initiates a payment request.
2	Startup	MyXaaS	Startup sends request to enquire the merchant's QR info.
3	MyXaaS	Startup	MyXaaS returns response message with merchant's QR info.
4	Startup	Customer	Startup notifies Customer on the next course of action.
5	Customer	Startup	Customer confirms the payment and enter wallet PIN to proceed.
6	Startup	MyXaaS	Startup sends request message to pay to merchant by QR.
7	MyXaaS	Startup	MyXaaS returns response message with status and information of the request.
8	Startup	Customer	Startup notifies Customer on the status of the payment.

Generate DuitNow QR

Step	Sender	Receiver	Process
1	Customer	Startup	Customer initiates a QR code generation.
2	Startup	MyXaaS	Startup sends request to MyXaaS to generate a QR Payload.
3	MyXaaS	Startup	MyXaaS returns the response for the request of QR Payload.
4	Startup	Customer	Startup displays QR Payload to Customer.

Registration

Step	Sender	Receiver	Process
1	Customer	Startup	Customer requests to register his/ her account to DuitNow account by mobile number.
2	Startup	MyXaaS	Startup sends request to register Customer's account to DuitNow account.
3	MyXaaS	Startup	MyXaaS returns response message with status of the request.
4	Startup	Customer	Startup notifies Customer on the status of the request.

Maintenance

Step	Sender	Receiver	Process
1	Customer	Startup	Customer retrieves list of his/ her registered DuitNow account.
2	Startup	MyXaaS	Startup sends request to view list of customer’s registered DuitNow account.
3	MyXaaS	Startup	MyXaaS returns response message with list of Customer's registered DuitNow account.
4	Startup	Customer	Startup displays the list of Customer's registered DuitNow account.
5	Customer	Startup	Customer retrieves details of Customer's registered DuitNow account.
6	Startup	MyXaaS	Startup sends request to retrieve details of Customer's registered DuitNow account.
7	MyXaaS	Startup	MyXaaS returns response message with details of Customer's registered DuitNow account.
8	Startup	Customer	Startup displays the details of Customer's registered DuitNow account.
9	Customer	Startup	Customer performs the following: Update, suspend or deactivate his/ her DuitNow Account.
10	Startup	MyXaaS	Startup sends request to update, suspend or deactivate Customer's DuitNow Account.
11	MyXaaS	Startup	MyXaaS returns response message with status of the request.
12	Startup	Customer	Startup notifies Customer on the status of the request.

Add Favourite Recipient

Step	Sender	Receiver	Process
1	Customer	Startup	Customer requests to add DuitNow recipient to favourite list.
2	Startup	MyXaaS	Startup sends request to add DuitNow recipient to favourite list.
3	MyXaaS	Startup	MyXaaS returns response message with status of the request.
4	Startup	Customer	Startup notifies Customer on the status of the request.

Edit Favourite Recipient

Step	Sender	Receiver	Process
1	Customer	Startup	Customer retrieves list of favourite DuitNow recipients.
2	Startup	MyXaaS	Startup sends request to enquire list of favourite DuitNow recipients.
3	MyXaaS	Startup	MyXaaS returns response message with list of favourite DuitNow recipients.
4	Startup	Customer	Startup displays the list of favourite DuitNow recipients to the Customer.
5	Customer	Startup	Customer view details of favourite DuitNow recipient.
6	Startup	MyXaaS	Startup sends request to view favourite DuitNow recipient.
7	MyXaaS	Startup	MyXaaS returns response message with details of favourite DuitNow recipients.
8	Startup	Customer	Startup displays the details of favourite DuitNow recipients to the Customer.
9	Customer	Startup	Customer edits the details of favourite DuitNow recipient.
10	Startup	MyXaaS	Startup sends request to update the details of favourite DuitNow recipient as updated by Customer.
11	MyXaaS	Startup	MyXaaS returns response message with status of the request.
12	Startup	Customer	Startup notifies Customer on the status of the request.

Delete Favourite Recipient

Step	Sender	Receiver	Process
1	Customer	Startup	Customer retrieves list of favourite DuitNow recipients.
2	Startup	MyXaaS	Startup sends request to enquire list of favourite DuitNow recipients.
3	MyXaaS	Startup	MyXaaS returns response message with list of favourite DuitNow recipients.
4	Startup	Customer	Startup displays the list of favourite DuitNow recipients to the Customer.
5	Customer	Startup	Customer view details of favourite DuitNow recipient.
6	Startup	MyXaaS	Startup sends request to view favourite DuitNow recipient.
7	MyXaaS	Startup	MyXaaS returns response message with details of favourite DuitNow recipients.
8	Startup	Customer	Startup displays the details of favourite DuitNow recipients to the Customer.
9	Customer	Startup	Customer performs action to remove DuitNow recipient from favourite.
10	Startup	MyXaaS	Startup sends request to remove DuitNow recipient from favourite.
11	MyXaaS	Startup	MyXaaS returns response message with status of the request.
12	Startup	Customer	Startup notifies Customer on the status of the request.