ramanathanrv

touch account:s1, type:source, value:1000
touch account:s2, type:sink  , value:0

touch account:a1, type:regular
issue from:s1, to:a1, value:200, remarks:coins issue

touch account:a2, type:regular
issue from:a1, to:a2, value:100, remarks:coins issue

move from:a1, to:a2, value:10, remarks:a2a transfer for something

ramanathanrv

ramanathanrv

Why I believe Google Pay is ahead of Paytm and PhonePe in the UPI race

Recent reports have indicated that all three major UPI apps - Paytm, PhonePe & Google Pay have been contributing significantly to the growth of the app. A million dollar question is: who is leading the race! Paytm seems to have an edge over the other two albeit with a thin margin. However, I would like to evaluate it with more context. Paytm and PhonePe have been doing much more than just facilitate P2P and P2M UPI transactions. For context, here are some of the key things that PhonePe and Paytm have been doing to drive greater volume of UPI transactions:

PhonePe

1) Flipkart / Myntra contribution

Significant number of transactions originating in Flipkart & Myntra are handled by PhonePe as they all belong to the same group of companies. GooglePay or other UPI options don’t get any preferential treatment by these two mega e-commerce companies.

ramanathanrv

Strategy	Throughput (under similar test conditions)	Trade off
#0 Cluster of nodes with Redis backend & 100% accurate	58K requests/sec (can be scaled out as required with additional hardware)	Higher hardware cost & hardware footprint (linearly increasing)
#1 Use a single node to count & report	833K requests/sec	Not HA. Can only scale up (not scale out)
#2 Use cluster of nodes but sync with Redis asynchronously	655K requests/sec	Reporting is not realtime and hence solution is approximate rather than accurate

ramanathanrv

using System;
using System.Net;
using System.IO;
using System.Text;

public class JusPayService
{
    public static void Main()
    {
        String apiKey = "1C3CB0373660436BA2895B6CC74629E7";

ramanathanrv

public Observable triggerChallenge(final SecondFactor secondFactor) {
    def handleSuccess = {resJson->
        log.info("Challenge triggered successfully")
        secondFactor.status = SecondFactor.SecondFactorStatus.PENDING
        return secondFactor
    }
    def handleFailure = {resJson-> 
        log.info("Challenge trigger failed")
        secondFactor.status = SecondFactor.SecondFactorStatus.FAIL
        // changing txnDetail here is a contamination. 

ramanathanrv

<form className="card-form">
  <FullRow style={{marginBottom: '20px'}}>Please enter your card details below. Card transaction is processed via secure gateway.</FullRow>
  <CardIconsBanner brands={this.state.acceptedCardBrands}/>
  <TextInput prompt="Card number" name="cc-number" value={this.state.cardNumber} 
      components={components}
      wrapUsing={FullRow}
      stitchUsing = {FormControl}
      onChange={this.handleInput} stitcherClass="cardsInputinfo cardNumber" />
  <Block>
    <TextInput prompt="Expiry" name="cc-exp-month" placeholder="MM" 

ramanathanrv

def priorities = ['CYBERSOURCE', 'MIGS'] 
// above is the default priority

if (order.udf1 == 'web') {
  priorities = ['CYBERSOURCE', 'MIGS']
}
else if (order.udf1 == 'mobile' && order.udf2 == 'android')
  priorities = ['MIGS','CYBERSOURCE']
}
else if (card.cardSwitchProvider == 'MASTERCARD') {

ramanathanrv

// WARNING: This code is a sample to test your logic of gateway priority. This is NOT to be used as such.

def order = [order_id: "ord_id", amount: 1000.00, udf1:"web", udf2: "desktop", gateway_id: 2]
def txn = [txn_id: "txn_id", express_checkout: true, add_to_locker: false ]
def payment = [card_isin: "524368", card_issuer: "HDFC Bank", card_type: "CREDIT"]

def setGatewayPriority = { gateways -> 
	println "priority: " + gateways;
}

ramanathanrv

module.exports = {
    banks: [
    {
        "shortCode": "SBI",
        "IFSC":"SBIN",
        "numericCode": "41",
        "name": "State Bank of India",
        "contains": "STATE.*INDIA"
    },
    {