Topic 10 WIPO File

Payment Gateway / Integration with Local Banks

Dar es Salaam, August 26 to 30, 2019

WIPO Industrial Property Business Solutions Division (IPOBSD)

WIPO FOR OFFICIAL USE ONLY
 Agenda
Payment Gateway Overview
Few Payment Transaction Scenarios
Questions and answers

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Payment Gateway Overview
Require customization to connect to various local banks
using endpoint REST services and can support both online
and offline payment transactions

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Payment Gateway Services
To check whether the bank payment services are available
To request an external payment reference if needed
To initiate a payment transaction
To list all transaction attempts of a payment reference
To check the status of a payment attempt
To check a payment acknowledgement received from local
bank

WIPO FOR OFFICIAL USE ONLY

 Operating with
1
Payment Gateway
I 1 WIPO File
Core Services &
Agent submits filing requests, N Administrator Portal
checks request status and
Database
manages access rights T
E
Agent pays online Proxy
on bank portals R
WIPO File I
Server Agent Portal
N
N
T 2
E 2a R
T
A
3
System transfers request
N data every 1o minutes
2c WIPO File
Payment Gateway
E
T
2b Database

Agent pays to local

banks 4 WIPO IPAS

Office staff process request

Agent pays At ATM and record actions

WIPO FOR OFFICIAL USE ONLY

Scenario 1
User makes successful payment online with bank A
o WIPO File > payment gateway (PG) > driver of bank A
to send the payment transaction ID1 and payment
reference R1 (status «pending»)
Bank A confirms the payment transaction with WIPO File
o WIPO File > payment gateway > driver of bank A to confirm the
payment status of transaction ID1 and payment reference R1
o One payment transaction ID1 is recorded in PG with status
«successful» for the payment reference R1

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Scenario 2
User makes payment attempt online with bank A
(cancellation / other unsuccessful situations in first attempt)
o WIPO File > payment gateway (PG) > driver of bank A to send the
payment transaction ID1 and payment reference R1 (status
«pending»)
Bank A confirms the payment transaction with WIPO File
o WIPO File > payment gateway > driver of bank A to confirm the
payment status of transaction ID1 and payment reference R1
o One payment transaction ID1 is recorded in PG with status «failed»
for the payment reference R1
User makes a successful payment online with bank A
(second attempt)
o WIPO File > PG > driver of bank A to confirm the payment status
«successful» of transaction ID2 for the payment reference R1)

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Scenario 3
User makes payment attempt online with bank A
o WIPO File > PG > driver of bank A to send the payment
transaction ID1 and payment reference R1 (status «pending»)
Bank A confirms the payment transaction with WIPO File
o WIPO File > payment gateway > driver of bank A to confirm the
payment status of transaction ID1 (payment reference R1)
o One payment transaction ID1 is recorded in Payment Gateway
(PG) with status «failed» for the payment reference R1

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Scenario 3 (continued)
User makes a second payment attempt online with bank A
using transaction ID2 (second attempt)
o WIPO File > payment gateway > driver of bank A to set the
payment status «pending» of transaction ID2 for the payment
reference R1
User makes a third payment attempt online with bank A
using transaction ID2 (third attempt)
o WIPO File > payment gateway > driver of bank A to confirm the
payment status of transaction ID2 (unsuccessful for payment
reference R1)

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Integration of Local Payment Systems
Engage local IT vendor to develop a system to interface
WIPO File and local payment systems
(i.e. bank driver for online banking or government
billing/payment gateway)
Require at least one test account by local system and
dummy credit card numbers as needed
Test bank drivers without WIPO File
Test WIPO File with payment transactions as needed

WIPO FOR OFFICIAL USE ONLY