Development of Generic Framework for Payment Gateway related to Consumer Applications

Abstract

Consumer Applications or E-commerce websites uses payment methods for the transaction, where users complete their payment using various methods like card payment, internet banking, unified payments interface (UPI) or cash payment. Many a times while transacting the process and payment fails due to various reasons as wrong One Time Password (OTP), UPI pin, passwords or Card Verification Value (CVV). This payment failure may happen due to misreading or sometimes when someone unauthorized person tries to access the personal accounts and enters wrong details.