Chapter 4   Running the Four Corner Model



Introduction

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This chapter describes the configurations and setups necessary for executing transactions involving all of the Eleanor payments products in a 4 corner model. The chapter further explains detailed operational steps for each of the payment types.

Figure 4-1   

Four Corner Model in Operation

Setup for a 4 Corner model

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CDP

The CDP user's smartcard must have following certificates.

1. The Identrus Root CA certificate.

2. The Buyer's bank L1 CA certificate.

3. The utility and identity certificates issued by the Buyer's Bank CA.

The CDP user should provide a valid email address in his smartcard certificates for receiving email notifications.

Buyer

The Buyer's smart card must have following certificates.

1.    The Identrus Root CA certificate.

2.    The Buyer's bank CA certificate.

3.    The utility and identity certificates issued by Buyer's Bank CA.

The Buyer should provide a valid email address in his smartcard certificates for receiving email notifications.

Seller

1. A smart card with following certificates.
   1. The Identrus Root CA certificate.

   2.    The Buyer's Bank CA certificate.

   3.     The utility and identity certificates issued by Seller's Bank CA.

2. The instance of the webserver with Tooled Up should be running at the seller's site. If the Webserver instance hosting Tooled Up application is not running, then start the same by doing the following.
   1. cd /opt/iws6/< virtual id of server with Tooled Up installation>

   2. ./start

3. An entry in the "CDPCert" table, for the database which the seller (Tooled Up) uses. The entry in table CDPCert should have the "CDP_DN" and "CDP_ISSUER_DN" values matching that in the SubjectDN and IssuerDN respectively of the CDP. You should also add the CDP's email address in this table.

   For example: insert into CDPCert values(2,'<subjectDN of CDP>','<issuerDN of CDP>','cdpuser@cdphost.com'); COMMIT;

4. The CERTID column in table CDPCert should have a matching entry in table CONDITION for the same column name, specifying the CDP for the particular condition.

   For example: update CONDITION set CERTID=2 where CERTID=1; COMMIT;

Buyer's Bank (BFI)

1. The webserver instances with iTTM, BiaB and Condition Management should be running. If not, start the same by doing the following,
   1. iTTM

      cd /opt/iws6/<virtual id of server with iTTM>

      ./start

   2. BiaB

         cd /opt/iws6/<virtual id of server with BiaB>

      ./start

   3. Condition Management   

      cd /opt/iws6/ <virtual id of server with Condition Mgmt>

      ./start

2. The iTTM must be running. If not, start the same by doing the following,

   cd/opt/ittm/Scripts

   ./startias

   ./starttbase

3. The Bank In A Box application must be running. If not, start the same by doing the following,

   cd /opt/itps-biab/scripts

   ./biab -debug

4. The Buyer's Bank iTTM should have the Condition Registry service enabled. The service can be enabled by logging in as administrator at

   http://mybuyerbank.mycompany.com:<PORT>/NASAdapter/logon.html.

   1. Select "Add Service" option under "Authorisation".

      Service Name    -ConditionRegistryService

      Role - Identrus

1. Click "Add" and then "Submit" to enable the service.

5. Create an entry for the BUYER with the appropriate IssuerDN and SubjectDN for the BUYER using the userdbtool.

   cd /opt/ittm/Scripts

   ./runuserdbtool

   newrole -role BUYER

   neworganisation -organisation "<Organisation Name of BUYER>"

   newuser -issuer "<IssuerDN of BUYER>" -subject "<SubjectDN of BUYER>"       -organisation "<Organisation Name of BUYER>" -email "< Valid email id >" -role BUYER

6. Login as administrator at

   http://mybuyerbank.mycompany.com:<PORT>/NASAdapter/logon.html

   and go to Payments option under Services and do the following.

   1. Click on the hyperlink "Membership List under "Payments Configuration".

   2. Use the "Add New" button to provide the following details.

7.    - Bank Name          - < Buyer's Bank Name >

8.    - Comment      - < Anything >

9.    - FI Code       - < 11 digit FI Code >

10.    - Routing URL       - URL of the TC on Buyer's bank

    https://mybuyerbank.mycompany.com:<SSL PORT>/TC

11.    -Bank Distinguished Name        - < SubjectDN of Buyer's bank CA        Cert>

12.    -Issuer Distinguished Name          - < Issuer DN of Buyer's bank CA Cert >

13.    - Effective Date       - < Current Date or earlier >

14.    - Membership status       - Active

15.    - Service Status       - Available
    1.    Follow the same set of procedures as described before to provide the Seller                      Bank's Inter Participant Signing Certificate details. Details should be filled in as following.

16.       Bank Name <Seller Bank > IPSC

17.       Comment      - <Anything >

18.       FI Code       - <11 digit FI Code >

19.       Routing URL       URL of the TC on Seller's bank

20. https://mysellerbank.mycompany.com:<SSL PORT>/TC

21.       Bank Distinguished Name          < Subject DN of Seller's Bank IPSC >

22.       Issuer Distinguished Name          <Issuer DN of Seller's Bank IPSC >

23.    Effective Date <Any date earlier than current date >

24. Membership status       Active

25. Service Status Available

Seller's Bank (SFI)

The Webserver instances of iTTM and Obligation Management should be running. If not, start the same by doing the following.

1. iTTM Webserver instance

   cd /opt/iws6/<virtual id of server with iTTM>

   ./start

2. Obligation Management Webserver instance

   cd /opt/iws6/<virtual id of server with Obligation Mgmt>

   ./start

3. iTTM

   cd/opt/ittm/Scripts

   ./startias

   ./starttbase

4. Login as administrator of the iTTM at http://mysellerbank.mycompany.com:<PORT>/NASAdapter/logon.html

5. Set your Financial Institution Administration
   1.    Select <Services><Payments>

   2.    Select <Payments Configuration>

   3.    select <Settlement Chain>

   4.    Select the "Financial Institution Administration" and do the following;

6. Add a 11 digit FI Code.

7.       Select settlement role as "Beneficiary Institution".

8.       Enter appropriate values for all other fields and click on "Save".

6. Set your Currency Code Administration

1.    Select <Services><Payments><Settlement Chain><Currency code Administration>

2.    Under Current Selected Transaction Currency Code click on the hyperlinked currency (For ex. Pound Sterling if you have selected GBP)

3.    Select the "FI Code" and click on "Add Link". This links the FI Code and the selected Currency.

7. The Seller's Bank iTTM should have the Obligation Registry service enabled. The service can be enabled by logging in as administrator at http://mysellerbank.mycompany.com:<PORT>/NASAdapter/logon.html.
   1.    Select <Authorisation><Add Service>

   2. Select <Service Name> ObligationMgmntService

   3. Select <Role>- Identrus

   4.    Click "Add" and then "Submit" to enable the service.

8. Create an entry for the SELLER with the appropriate IssuerDN and SubjectDN for the SELLER using the userdbtool.

   cd /opt/ittm/Scripts

   ./runuserdbtool

   newrole -role SELLER

   neworganisation -organisation "SPD:seller.name"

   newuser -issuer "< IssuerDN of SELLER >" -subject "< SubjectDN of SELLER >" -organisation "SPD:seller.name" -email "< Valid email id >" -role SELLER

Operational Steps in a 4 Corner Model

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Payment Order

1. The Buyer logs into the Tooled Up site at

   http://myseller.mycompany.com:<PORT>/itps-tdup/logon.html

   with the smartcard.

2. After selecting the goods he wishes to purchase from the Tooled Up site, he proceeds to do the following.
   1.    He selects "Payment Type" as "ELEANOR Payment Order", chooses a "Payment Date", provides appropriate account details and selects <Submit>.

   2. He verifies the "Payment Type", "Amount". "Currency","Payment Date", "Fees",                   "Account Details" and signs the data by selecting <Submit>

   3. Upon completion of placement of the payment order, Buyer sees a success message indicating to him a successful placement of "Eleanor Payment Order".

3. The BiaB administrator at Buyer's bank after logging into BiaB application at URL

   http://mybuyerbank.mycompany.com:<PORT>/itps-biab/logon.html

   does the following.

   1.    Selects the message with the appropriate "Eleanor Reference Number" and sends an acknowledgement (PayInst ack or PayExecution ack)   

   2. On the Acknowledgement details page enters

4.    bank reference < Bank Reference String >

5.    response code < 00PR20 >

6.    payment network < Select Network type >

7.    intended value date < A valid date >

8.    payment execution date < A valid date >

   and sends the acknowledgement message. Upon success a mail is received by the BUYER with details of transaction reference, status message.
   

Payment Obligation

1. The Buyer logs into the Tooled Up site at

   http://myseller.mycompany.com:<PORT>/itps-tdup/logon.html

   with the smartcard.

2. After selecting the goods he wishes to purchase from the Tooled Up site, he proceed to do the following.
   1.    He selects "Payment Type" as "ELEANOR Payment Obligation", chooses a                    "Payment Date", provides appropriate account details and clicks on "Submit".

   2.     He verifies the "Payment Type", "Amount". "Currency","Payment Date", "Fees",                   "Account Details" and signs the data by clicking on "Submit".

   Upon completion of placement of the payment order, Buyer sees a success message indicating him a successful placement of "ELEANOR Payment Obligation".

3. The BiaB administrator logs into the BiaB application at

   http://mybuyerbank.mycompany.com:<PORT>/itps-biab/logon.html

   and does the following
   

   1. Selects the message with the appropriate Eleanor Reference Number and sends an Obligation acknowledgement.

   2. He enters Acknowledgement details as following

4.    Bank Reference < Bank Reference string>

5.    Response Code < 000B07 > code for registration of buyer             obligation

6.    Payment Network < Select network type>

7.    Intended Value Date < A valid date later than current date >

8. Payment Execution Date < A valid date >
   1. Select <Submit>

   Upon success a mail is received by the BUYER stating the registration of Obligation.

4. The SELLER logs on to the Obligation Management site at

   http://mysellerbank.mycompany.com:<PORT>/itps-om/logon.html

   using smart card and does the following.
      

   1.    He selects "Active Obligations" to browse the obligations registered.
         

   2. As an option, he might transfer the obligation to the Seller's Bank(SFI) or the                      Buyer's Bank(BFI).

5. The BiaB administrator logs into the BiaB application at

   http://mybuyerbank.mycompany.com:<PORT>/itps-biab/logon.html

   and does the following,
   

   1. Select the message with the particular Eleanor reference and sends a                    PayExecution acknowledgement.
      

   2. On the Acknowledgement details page he enters the details as following.

6. Bank Reference < Bank Reference String >

7. Response Code < 00PR20 >

8. Payment Network < Select Network Type >

9. Intended Value Date < A valid date >

10. Payment Execution Date < A valid date >

    and sends the acknowledgement message. Upon success a mail is received by the BUYER with details of transaction reference, status message.
    
    

Certified Payment Obligation

1. The Buyer logs into the Tooled Up site at

   http://myseller.mycompany.com:<PORT>/itps-tdup/logon.html

   with the smart card.
   

2. After selecting the goods he wishes to purchase from the Tooled Up site, he proceed to do the following.
   1.    He selects "Payment Type" as "ELEANOR Certified Payment Obligation", chooses                       a "Payment Date", provides appropriate account details and clicks on "Submit".

   2.     He verifies the "Payment Type", "Amount". "Currency","Payment Date", "Fees",                   "Account Details" and signs the data by clicking on "Submit".

   Upon completion of placement of the payment order, Buyer sees a success message indicating him a successful placement of "ELEANOR Certified Payment Obligation".

3. The BiaB administrator logs into the BiaB application at

   http://mybuyerbank.mycompany.com:<PORT>/itps-biab/logon.html

   and does the following
   

   1.     Selects the message with the appropriate Eleanor Reference Number and                           sends an Obligation acknowledgement.
      

   2. He enters Acknowledgement details as following

4. Bank Reference < Bank Reference string>

5. Response Code < 000B00 > code for Certified Obligation             accepted by bank.

6. Payment Network - < Select network type>

7. Intended Value Date - < A valid date later than current Date >

8. Payment Execution Date - < A valid date > and clicks on "Submit".
   

   Upon success a mail is received by the BUYER stating the registration of Obligation.
   

4. The SELLER logs on to the Obligation Management site at

   http://mysellerbank.mycompany.com:<PORT>/itps-om/logon.html

   using smart card and does the following.
   

   1. He selects "Active Obligations" to browse the obligations registered.
      

   2. As an option, he might transfer the obligation to the Seller's Bank(SFI) or the                       Buyer's Bank(BFI).

5. The BiaB administrator logs into the BiaB application at

   http://mybuyerbank.mycompany.com:<PORT>/itps-biab/logon.html)

   and does the following
   

   1.     Select the message with the particular Eleanor reference and sends a                    PayExecution acknowledgement.
      

   2.    On the Acknowledgement details page he enters the details as following.

6. Bank Reference < Bank Reference String >

7. Response Code < 00PR20 >

8. Payment Network < Select Network date >

9. Intended Value Date < A valid date >

10. Payment Execution Date < A valid date >

    and sends the acknowledgement message.
    

    Upon success a mail is received by the BUYER with details of transaction reference, status message.
    

Conditional Payment Order

1. The Buyer logs into the Tooled Up site at

   http://myseller.mycompany.com:<PORT>/itps-tdup/logon.html

   with the smartcard.

2. After selecting the goods he wishes to purchase from the Tooled Up site, he proceed to do the following.
   1.    He selects "Payment Type" as "ELEANOR Conditional Payment Order", chooses                       a "Payment Date", provides appropriate account details and selects <Submit>.

   2.    He selects a condition from the "Condition Description" dropdown and provides                       details for "Discharge By Date" and "Waive By Date" fields.The entered "Waive By Date" should be greater than the "Discharge By Date"                       and both the dates should be greater than the current date).               

   3.    Clicks on "Add Condition" to add the condition and clicks on "Next"

   4.    Sign the data by clicking on "Submit".

   The screen will display the Buyer a success message indicating him a successful placement of "conditional payment order". The CDP gets an email notification informing him that the conditions have been registered and the Eleanor Transaction Reference for his transaction.

3. The CDP logs in to the Condition Registry site hosted at the Buyer's Bank

   http://mybuyerbank.mycompany.com:<PORT>/itps-cond/logon.html

   He clicks on the hyperlinked "Eleanor Reference Number" and changes the status to CDP Processing/Discharged/Failed as appropriate.

4. The BiaB administrator at Buyer's bank after logging into BiaB at URL

   http://mybuyerbank.mycompany.com:<PORT>/itps-biab/logon.html

   does the following.

   1. Clicks on the hyperlinked Eleanor Transaction Reference number.

   2.    Select PayInst/PayExecution under "Acknowledge".

   3. Clicks on "Send".

   4. Provides the required information Bank Reference, Response Code, Payment                       Network, Value Term, Intended Value Date, Payment Execution Date.

5. Bank Reference       : < Any Reference number >

6. Response Code       : <The Default selected one>

7. Payment Network      : < Select Any >

8. Value Term      : < A Valid number of days, say 10 >

9. Intended Value Date       : < Don't select any date >

10. Payment Execution Date      : < A valid date later than current date>      

    Upon success a mail is received by the BUYER with details of transaction reference, status message.

Conditional Payment Obligation

1. The Buyer logs into the Tooled up site at

   http://myseller.mycompany.com :<PORT>/itps-tdup/logon.html

   with the smart card.

2. After selecting the goods he wishes to purchase from the Tooled Up site, he proceeds to do the following.
   1. He selects "Payment Type" as "ELEANOR Conditional Payment Obligation",                chooses a "Payment Date", provides appropriate account details and clicks on "Submit".

   2. He selects a condition from the "Condition Description" dropdown and provides details for "Discharge By Date" and "Waive By Date" fields. The entered "Waive By Date" should be greater than the "Discharge By Date"                       and both the dates should be greater than the current date.               

   3. Clicks on "Add Condition" to add the condition and clicks on "Next".

   4. Sign the data by clicking on "Submit".

   The screen will display the Buyer a Success message indicating him a successful placement of "Conditional Payment Obligation". The CDP gets an email notification informing him that the conditions have been registered and the Eleanor Transaction Reference for his transaction.

3. The CDP logs in to the Condition Registry site hosted at the Buyer's Bank

   http://mybuyerbank.mycompany.com:<PORT>/itps-cond/logon.html

   He clicks on the hyperlinked Eleanor Reference number and changes the status to CDP Processing/Discharged/Failed as appropriate.

4. The BiaB Administrator at the Buyer's Bank logs into the BiaB application at following url.

   http://mybuyerbank.mycompany.com:<PORT>/itps-biab/logon.html

   The BiaB administrator after logging into BiaB, does the following.

   1.    Clicks on the hyperlinked Eleanor Transaction Reference number.

   2.    Select "Obligation" under "Acknowledge".

   3.    Clicks on "Send".

   4. Provides the required information Bank Reference, Response Code, Payment                       Network, Value Term, Intended Value Date, Payment Execution Date.

5. Bank Reference       : < Any Reference number >

6. Response Code       : <The Default selected one>

7. Payment Network      : < Select Any >

8. Value Term      : < A Valid number of days, say 10 >

9. Intended Value Date       : < Don't select any date >

10. Payment Execution Date         : < A valid date >      

    Repeat the same steps under 4, selecting "Obligation" and then for "Payment Execution" under "Acknowledge".

    Upon success a mail is received by the BUYER with details of transaction reference, status message.

5. The SELLER with his smart card logs into the Obligation Management site hosted at the Seller's bank at

   http://mysellerbank.mycompany.com:<PORT>/itps-om/logon.html

   and he sees the obligations as "Active Obligations". As an optional step he may transfer the obligation to the Seller's Bank(SFI) or Buyer's Bank(BFI).

6. The BiaB Administrator at the Buyer's Bank logs into the BiaB application at following url.

   http://mybuyerbank.mycompany.com:<PORT>/itps-biab/logon.html

   The BiaB administrator after logging into BiaB, does the following.

   1. Clicks on the hyperlinked Eleanor Transaction Reference number.

   2. Select "PayExecution" under "Acknowledge".

   3. Clicks on "Send".

   4. Provides the required information Bank Reference, Response Code, Payment                 Network, Value Term, Intended Value Date, Payment Execution Date.

7. Bank Reference    : < Any Reference number >

8. Response Code    : <The Default selected one>

9. Payment Network    : < Select Any >

10. Value Term   : < A Valid number of days, say 10 >

11. Intended Value Date    : < Don't select any date >

12. Payment Execution Date    : < A valid date >      

    Upon success a mail is received by the BUYER with details of transaction reference, status message.

Certified Conditional Payment Obligation

1. The Buyer logs into the Tooled up site at

   http://myseller.mycompany.com:<PORT>/itps-tdup/logon.html

   with the smartcard.

2. After selecting the goods he wishes to purchase from the Tooled Up site, he proceed to do the following.
   1. He selects "Payment Type" as "ELEANOR Certified Conditional Payment     Obligation", chooses a "Payment Date", provides appropriate account details and                       clicks on Submit.

   2. He selects a condition from the "Condition Description" dropdown and provides                       details for "Discharge By Date" and "Waive By Date" fields.The entered "Waive By Date" should be greater than the "Discharge By Date" and                       both the dates should be greater than the current date.

   3. Clicks on "Add Condition" to add the condition and clicks on "Next"

   4. Sign the data by clicking on "Submit".

   The screen will display the BUYER a success message indicating him a successful placement of "Eleanor Certified Conditional Payment Obligation". The CDP gets an email notification informing him that the conditions have been registered and the Eleanor Transaction Reference for his transaction.

3. The CDP user logs in to the Condition Registry site hosted at the Buyer's Bank

   http://mybuyerbank.mycompany.com:<PORT>/itps-cond/logon.html

   He clicks on the hyperlinked Eleanor Reference number and changes the status to CDP Processing/Discharged/Failed as appropriate.

4. The BiaB Administrator at the Buyer's Bank logs into the BiaB application at following url.

   http://mybuyerbank.mycompany.com:<PORT>/itps-biab/logon.html

   The BiaB administrator after logging into BiaB, does the following.

   1. Clicks on the hyperlinked Eleanor Transaction Reference number.

   2. Selects "Obligation" under "Acknowledge".

   3. Clicks on "Send".

   4. Provides the required information Bank Reference, Response Code, Payment Network, Value Term, Intended Value Date, Payment Execution Date.

5. Bank Reference       : < Any Reference number >

6. Response Code       : <The Default selected one>

7. Payment Network      : < Select Any >

8. Value Term      : < A Valid number of days, say 10 >

9. Intended Value Date       : < Don't select any date >

10. Payment Execution Date      : < A valid date >      

5. The SELLER with his smart card logs into the Obligation Management site hosted by the Seller's bank at

   http://mysellerbank.mycompany.com:<PORT>/itps-om/logon.html

   and he sees the obligations as "Active Obligations". As an optional step he may transfer the obligation to the Seller's Bank or Buyer's Bank.

6. The BiaB Administrator at the Buyer's Bank logs into the BiaB application at following url.

   http://mybuyerbank.mycompany.com:<PORT>/itps-biab/logon.html

   The BiaB administrator after logging into BiaB, does the following.

   1. Clicks on the hyperlinked Eleanor Transaction Reference number.

   2. Select "PayExecution" under "Acknowledge".

   3. Clicks on "Send".

   4. Provides the required information Bank Reference, Response Code, Payment Network, Value Term, Intended Value Date, Payment Execution Date.

7. Bank Reference       : < Any Reference number >

8. Response Code       : <The Default selected one>

9. Payment Network      : < Select Any >

10. Value Term      : < A Valid number of days, say 10 >

11. Intended Value Date       : < Don't select any date >

12. Payment Execution Date      : < A valid date >      

    Upon success a mail is received by the BUYER with details of transaction reference, status message.