AUTOMATIC ACCOUNT OPENING

HIGH LEVEL DOCUMENT

DYNATECH SOLUTIONS
Table of Contents
Document Version Management/Records..................................................................................................3
Table of Abbreviations.................................................................................................................................4
USSD Gateway Architecture with Automatic Account opening...............................................................5
Design Flow.................................................................................................................................................6
HA Architecture...........................................................................................................................................7
...................................................................................................................................................................... 7
USSD Gateway Backend Module.................................................................................................................7
Technology involved................................................................................................................................7
Middleware Functionalities.....................................................................................................................8
END..........................................................................................................................................................9
Document Version Management/Records
Date Author Version Change Reference

18.10.2023 John Muema 1.0 Initial Draft

Table of Abbreviations

# Abbreviation Description
1 USSD Unstructured Supplementary Service Data
2 GW Gateway Service Bus
3 API Application Program Interface
4 MNO Mobile Network Operators
5 JSON JavaScript Object Notation
6 XML Extensible Markup Language
7 CBS Core Banking System
8 CB Call Back
USSD Gateway Architecture with Automatic Account opening

The following diagram specifically describes the architecture of the Account opening.

MNO

NGINX

USSD Gateway
3 USSD Gateway 4
Redis Backend Module

5 8

NOTIFICATION
9 Gateway 7 CBS
EMAIL/SMS

Real Time Dashboard

NIDA Services
Design Flow
1. Secure request via https and VPN Request from MNO to the USSD GW with registration details
for validation
2. Request Gets to Load Balancer which distributes load to respective application instance
3. USSD Gateway records the session to REDIS for session management.
4. USSD Gateway forwards details to its backend system for persistent storage services
5. Backend Forwards request to Enterprise Bus for NIDA verification of submitted details. Gateway
immediately returns response that request is being processed. (Asynchronous)
6. Gateway forwards details to NIDA system to verify the submitted details. On success NIDA
returns details as below but not limited to:
a. Passport Photo
b. Physical and Permanent Address Details
c. Full Names as in NIDA
d. Registered Phone Number and Email Address
e. Finger Print Data
f. Maiden Names
g. Educational Data. E.g. Primary School / Secondary School
h. Date of Birth
7. Details are forwarded to CBS for Account creation.
8. CBS creates customer and account from details provided. CBS validation must include NIDA
number uniqueness to avoid Duplication.
9. On Success, Callback is forwarded from GW to USSD Backend for persistent storage.
10. Notification is initiated to Customer on state of Account Opening request
11. Stages and status for registration are recorded on a real time reporting dashboard.
 HA Architecture

External Load Balancer

Load Balancing Layer (Servers).

This depends on the client’s willingness to

either use a server dedicated for load balancing
within which NGINX can be installed to handle
NGINX the load balancing or the Bank to configure an
external Load balancer that can handle
rendering of MNO requests

Nodes (Servers).

The count is determined by the

Sever Node 1 Sever Node 2 Sever Node 3 Sever Node 4
bank ability and willingness to
purchase servers

Node Clusters.

The count under each node

is equivalent to the
number of CPUs in the
Server

USSD Gateway Backend Module

Technology involved
The module is built in Java, Oracle and redis. The application is hosted in an application server versio.-
Subject to Client’s preference The application configurations are stored in REDIS server as basic string-
based key-value records. These configurations are illustrated in the following table.

# Key Sample value Description

1 CLIENTS_ALLOWED 127.0.0.1,10.100.133.129 These is a whitelist of clients (coma separated IPs)
that can send request to this module at any one
time

2 CONNECTION_FACTORY jms/ChapChapConnectionFactory This the WebLogic configured connection factory

JNDI
3 DS_ MOBILEREG jdbc/MOBILEREG This is the USSD Gateway data source JNDI as
configured in WebLogic

4 GWCardLinkURL http://192.168.60.232:7010/BackendV1.2/Service This is the Card operation API URL

 5 GWBackendURL http://192.168.60.233:7010/BackendV1.2/ Service This is the Account Creation module URL

7 GWPassword ewtreyery This is the GW Assigned API password

8 GWUser dfhdghdgjd This is the GW Assigned API username

9 GWWS http://192.168.60.233:7011/GWWSConnector This is the GW API URL

10 MACHINE1 t3://192.168.114.221:7010 This is the t3 machine configuration in weblogic

11 LOGQUEUE jms/CCPLog_Queue_DS This is the Gateway Backend module queue for

processing logs

12 SMSWSURL http://192.168.60.232:7010/SmsAPI/SmsAPI This is the SMS API URL

13 PROVIDER_URL t3://192.168.114.221:7010 This is the provider URL as configures in

Middleware

Middleware Functionalities
This is the USSD Gateway middleware that facilitates its core functionalities. These functionalities may
vary depending on the organization. The functionalities are further subdivided into three main groups
namely

i. Financial transaction processing

ii. None Financial transaction processing
iii. Customer Registration
iv. Customer Account registration
v. Card Operations
Backend Architecture

USSD Gateway

Middleware E.g. Oracle WebLogic

Card Operations - CB
USSD Gateway Backend Module
GW
Customer Registration

Redis

Customer USSD
Database Gateway Database

END