NCMC - National Common Mobility Card - An Overview (Transit + Payment Cards)
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- Опубликовано: 4 июл 2024
- NCMC - National Common Mobility Card - India's initiative for implementing an interoperable transport card plus a Payment card in it. This video provides an overview of NCMC ecosystem and its message flows.
It covers the following,
NCMC Ecosystem
--- Card Type, Card Structure
--- Card Issuance Process
--- AFC Ecosystem
Message flows
--- Service Creation
--- Money Add
--- Debit Transaction
I'd also recommend you to thru my EMV series especially EMV File structure here • EMV Series - Byte 2 - ... - This is important to understand how Payment and other Non-Payment applications (in this case NCMC) co-exist
Hi Author, I have gone through your video but I am not satisfied with the information you provided. for example, As I talk about the last part, CDAC has drafted the interface technical specification along with designed the architecture of the open loop AFC eco-system which is adopted by the PTOs. Other terminal hardware is developed by BEL and terminal software is by CDAC.
Thanks for the comment, i believe you want to who/how developed the specs/hardware/software. I will pin your comment, so that people can view it.
@@LearnPayments Thank you for replying. I am telling who/how the specs/hardware/software had been developed. Its just adding information.That's all nothing else.
Cool, thought so too..Thanks for the info.!
Very nice video
Recently in Mumbai multiple metro lines have been inaugurated and NCMC card is being accepted
But the issue is no one knows about service addiction so people are not able to use card on metro
Very informative and helpful.
Great stuff. Kudos to you for such a great content...
Well explained Sir...
Great keep it up.
Quite informative. Suggest if you can give an in depth understanding of the same. TIA!
I want to know whether balance topped up in the NCMC card at the kiosk of one public transport agency usable for traveling in another mode of transport within that city? For example if I load the balance at a BEST Bus depot, will the same balance be usable for travel in Mumbai metro when I tap at the AFC gate once both agencies go live on the NCMC network or will the stored value be separate for both agencies as individual wallets within the same NCMC card?
Concept of ‘ service area ‘ creation within the offline chip applicable here. So to ans your qtn, unless a service area is already created for Mumbai metro during top up / money load process it cannot be used at Mumbai metro POS terminals.And there is a limit for these service areas.
As per the NCMC standards (that Im aware of), the Purse file is common, which consists of the balance. So if there are two acquirers. A top-up should be shareable. If you're in Mumbai - you can try it out and let us know :)
@@LearnPayments So yes I did try it but the issue is that I have a Bank of Baroda debit card with NCMC and the only agency that is active on NCMC here currently is BEST bus service and they have tied up with Yes Bank for issuing their own branded prepaid RuPay NCMC cards. I tried to get the balance added on my Bob card from their terminal but it said that the KYC was incomplete but I have an active Bob savings account so the KYC is definitely done. I tried checking the balance on the NCMC chip through the conductors device and it showed ₹5.05 so it can probably be used to buy the tickets but there is no way to add balance to the NCMC chip unless the transport agency partners with the card issuing bank. That's what I could gather from my experience. I did buy their Yes Bank prepaid card and loaded balance in it (has an option of online and offline balance) and was able to use it smoothly in the bus to buy a ticket though it charges 1% of the transaction value as bank fee and 18% of that fee as GST over and above the ticket price. I'll try using it on Mumbai metro when they go active on NCMC.
@@esmoteric Yep. I guess when the same card (from one Issuing Bank), has two Services supported. Can test it.! Thanks for the update though!.
Hey I recently created a saving account in union bank and while going through the monthly statement I found "CASA account linked" CAA scheme active written on one kf the table what is this please elaborate
Clearly explained. Just one doubt- While transacting at metro terminal, amount would deduct from wallet (take care by AFC) and later at end of day- get settled at Acquirer. Why would there is a requirement of Issuer authorization process after transacting at terminal, since issuer authorization is already done at wallet top up?
Thank you
Good question Dinesh. However this is purely from an offline clearing and settlement perspective, for any transaction charges or any dispute resolution. Also it might be required to maintain the balance properly (to remotely update balance as well). IMO, many of these are still at maturing state!
@@LearnPayments Thank you and plz keep creating such good content
nice information presentation if you can share MDR and revenue share model detils used in metro
Unfortunately don’t have them.
As you mention Issuer and application key . Which are those key ?
The Issuer keys as the name speaks are the keys that are setup and maintained by Issuers. The Application keys are the ones defined by the acquirers i.e. Service Providers. This doc smartnet.niua.org/sites/default/files/resources/ncmc_standards_spc04.pdf might help (Page 23 and 24).
So in future, other startups can pick this idea to develop this?
Yep!
I have a question:
Is there a limit on how many services can be added to a single NCMC card?
Unfortunately I don’t have a straight forward answer for this. Id say it is limited by the memory area of the chip. But am vague remembrance that it is 16. (But I maybe wrong here). Maybe this doc helps smartnet.niua.org/sites/default/files/resources/ncmc_standards_spc04.pdf
Could you please elaborate more on IAD ?
I'd recommend you to look into EMVCO Book 3. It has details about IAD
Ncmc card is prepaid + debit card right
Idea is not just to limit to specific payment card. But majority is issued on Debit.