Standard API Mobile Ownership Validation
Standard API – Mobile Ownership Validation
What is API?
API, or Application Programming Interface, is a command code that allows software programs to communicate with one another. In other words, API is a channel for requesting commands from operating systems (OS) or applications for use in the financial banking industry. It has revealed that various financial institutions can develop payment service innovations and adapt quickly to changes by utilizing API, which can easily connect the latest technology to the existing core banking system of banks. Through mobile banking, banks can also provide their customers with a financial transaction experience that is more convenient and faster than online banking. Furthermore, banks benefit from lower transaction costs when compared to other service channels, such as ATMs or bank branches. By offering excellent security, the service improves mobile banking by making it more reliable and secure, making payments easy and more convenient. The company invested in developing API Infrastructure or API for the banking industry as an infrastructure that promotes the development of member banks' products and services. The API can be applied to various services, including back office and IT operations, to make it easier for banks to connect while reducing development time and cost. As a result, banks can save money in the long run by sharing the company's central API infrastructure, reducing redundant program development, improving overall service quality, and lowering maintenance costs. Furthermore, the company has developed Standard API-related products and services to serve member banks and bank customers
Service Features
Mobile Ownership Validation service will be used to validate the ownership of a PromptPay-registered mobile phone number. In case of the mobile number has been reused by Telco and the new-owner of mobile number is unable to register for PromptPay because the number is already associated with another person's account who is the ex-owner of mobile number. The Standard API - Mobile Ownership Validation assists in mobile number ownership verification. The bank will cancel the previous registration of the ex-owner and allow the new-owner to re-register in the PromptPay system. The service is developed through collaboration between NITMX, Office of The National Broadcasting and Telecommunications Commission (NBTC), and the Thai Bankers Association to increase customer trust in the PromptPay system.
Service Pattern
The Standard API - Mobile Ownership Validation is a 24/7 online service that allows customers to process through their mobile phone in the following business flow:
1) Customers making USSD request via mobile phone by pressing *179* following by their national ID 13 digits and # then making a call, the mobile phone will send a request to the telecommunications service provider to validate the ownership of that mobile phone number with the National ID that the customer used for USSD regusted.
2) The Teco service provider will validate ownership of the mobile number and send response to the customer via mobile phone.
2.1 If the result is valid, the customer will receive a Reference Code, which needs to present to the bank for fonfirmation of mobile number ownership validation.
2.2 If the result is invalid, the customer will not receive the Reference Code meaning that the mobile number and national ID do not match.
3) Customers use the Reference Code for confirmation at the bank branch where they want to register for PromptPay service.
4) The bank will need to check with NITMX whether the received information including the Reference Code, National ID, mobile phone number, and date of request are correct or not.
5) ITMX will validate correctness of mobile number ownership by using algorithm then return its result with Yes or No.
6) The bank informs its result to the customer.
6.1 If the result is Yes, the bank will proceed PromptPay registration requested by the customer.
6.2 If the resut is No, the bank will decline PromptPay registration requested by the customer.
Banking Institutions
Qualifications of the applicant
1) Must be a member bank of ITMX's PromptPay service.
2) Must submit an application request for the desired API services; no service agreement attachments are required because the API service is part of the PromptPay service.
3) Must comply with the service's code of conduct and regulations.
Revocation of Membership
1) The member bank submits a cancellation request for the APN Services that need to be disabled.
2) Membership is revoked at the request of the member bank upon cancellation of the PromptPay service contract.
3) Membership is revoked, or services are disabled upon a member bank's disqualification for maintaining member status as specified in the contract.
Bank Customers
Customer of the PromptPay service member banks can access the services from API Service including Slip Verification, Mobile number ownership validation under service conditions of that bank. Customers can contact the bank of service directly for more information.
of Service
