mirror of https://github.com/captn3m0/talks.git
91 lines
919 B
Markdown
91 lines
919 B
Markdown
|
# india/fintech
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
## Agenda
|
||
|
|
|
||
|
|
- Some demos
|
||
|
|
- How money moves around?
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
## Ways to move money
|
||
|
|
|
||
|
|
- NEFT/RTGS/IMPS
|
||
|
|
- UPI
|
||
|
|
- Wallets
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
## How money moves
|
||
|
|
|
||
|
|
```sql
|
||
|
|
UPDATE balance set current=current-amount WHERE id=source
|
||
|
|
UPDATE balance set current=current+amount WHERE id=destination
|
||
|
|
```
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
## How money really moves
|
||
|
|
|
||
|
|
|
||
|
|
|
||
|
|
- [Source](https://krypt3ia.wordpress.com/2011/11/15/infosec-the-worlds-largest-rube-goldberg-device/)
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
# CBS (Core Banking System)
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
# payments v/s transfers
|
||
|
|
|
||
|
|
## merchant
|
||
|
|
## payer
|
||
|
|
## payee
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
# payments v/s transfers
|
||
|
|
|
||
|
|
## merchant
|
||
|
|
|
||
|
|
business that takes your money
|
||
|
|
|
||
|
|
## payer
|
||
|
|
|
||
|
|
the person paying
|
||
|
|
|
||
|
|
## payee
|
||
|
|
|
||
|
|
someone else getting your money
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
# P2M / P2P
|
||
|
|
|
||
|
|
- Payer to Merchant
|
||
|
|
- Payer to Payee
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
# wallets
|
||
|
|
|
||
|
|
(private ledger / PPI)
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
# DEMO - Paytm (P2M)
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
# pre-demo
|
||
|
|
|
||
|
|
- $1 = ₹ 73
|
||
|
|
- Payer = NEMO
|
||
|
|
- Merchant = Paytm
|
||
|
|
- Payment Method = *
|
||
|
|
|
||
|
|
---
|
||
|
|
|
||
|
|
# DEMO - UPI
|