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eZ-₹UPI Digital Wallet Ecosystem


✨Empowering Seamless Transactions, the eZ-RUPI Way!✨

Project Description

Traditional payment methods have long suffered from issues of limited accessibility and availability, particularly in the context of executing government welfare schemes and conducting large-scale monetary transactions. These problems have given rise to corruption, a lack of transparency, and the misappropriation of allocated funds. While the introduction of online transactions and Unified Payments Interface (UPI) has addressed some of these issues, a significant portion of the rural population still lacks access to bank accounts and reliable internet connectivity. As a result, the money allocated for government scheme beneficiaries often goes astray or falls into the wrong hands due to the involvement of multiple intermediaries. Additionally, some beneficiaries struggle to utilize the funds for their intended purposes.

This problem also extends to corporate companies, which face challenges in efficiently managing employee allowances. While the newly launched e-RUPI system holds promise as a potential solution, the absence of a centralized software platform for managing, distributing, and redeeming e-RUPI vouchers hinders widespread adoption of this digital mechanism in India. Therefore, there is an urgent need for a user-friendly digital payment system that not only streamlines payment processes and enhances transparency but also improves accessibility, ensures accountability, facilitates e-voucher management, and offers offline capabilities.

eZ-RUPI is a product suite we have come up with, creating an ecosystem for e-RUPI Digital Wallet transactions. e-RUPI is the digital payment solution developed with the support of DFS (Department of Financial Services) and NHA (National Health Authority) and is powered by National Payments Corporation of India (NPCI). eZ-RUPI is more than just a standalone application; it is a comprehensive product suite that has been meticulously crafted to establish a thriving ecosystem for e-RUPI digital wallet transactions. Our aim is to revolutionize the way digital payments are made and bring about a seamless and secure experience for users.

Contents of eZ-₹UPI Product Suite

  1. Mobile Application for Beneficiary
  2. Web Application for Beneficiary
  3. Mobile Application for Merchant
  4. Web Application for Bank
  5. Web Application for eZ-RUPI Admin
3

Table of Contents

Technologies Used

eZ-RUPI is a versatile application that supports multiple devices and utilizes a diverse range of technology stacks.

  • React
  • React Web-App
  • React Native
  • Express.JS
  • Node.JS
  • MongoDB

The choice of these technologies is based on factors such as their scalability, cross-platform compatibility, community support, availability of libraries and frameworks, and familiarity of the development team.

Deployed Links for Demo

The deployed links for our application are:-

Frontend

Backend

App

Credentials to use the above applications

  1. Beneficiary (Khushi Mehta)

    • User: 8850168258
    • Pw: test1234

  2. Bank (HDFC Bank)

    • User: 9732065755
    • Pw: test1234

  3. Merchant (Education Category)

    • User: 8591730678
    • Pw: test1234

  4. Merchant (Housing Category)

    • User: 8850188528
    • Pw: test1234

  5. Admin

    • User: 9999988888
    • Pw: test1234

Features

The key features of eZ-RUPI Application are:-

  • 4 interfaces : Bank, User, Admin and Merchant
    • Intuitive interfaces catering to different user roles and enabling seamless interactions.
  • Biometric Authentication
    • Secure access to the application using biometric data like TouchID, FaceID or MPin
  • Categorical Coupons
    • Organized and categorized coupons for convenient browsing and selection in categories like Agriculture, Education, Healtcare, Transportation etc.
  • Generate e-RUPI
    • Generate digital vouchers for efficient and secure transactions, either one at a time or multiple.
  • Performing Utility Transactions
    • Ability to carry out various utility transactions like paying Electricity Bills within the application.
  • QR Scanning
    • Scan QR codes to quickly redeem the vouchers.
  • SMS Scanning
    • Scan and extract relevant information from SMS messages to redeem voucher.
  • Encrypt/Decrypt in API Calls
    • Ensure data security by encrypting and decrypting data during API calls.
  • Activity Log
    • Track and monitor user activities and system actions for audit and accountability purposes.
  • Government Schemes
    • Integration of government schemes and programs for seamless participation and benefit distribution.
  • Transaction History
    • Access and review comprehensive transaction history for transparency and record-keeping.
  • Statistical Insights
    • Generate insightful statistics and analytics for informed decision-making and trend analysis.
  • Multilingual
    • Support for multiple languages to cater to diverse user preferences and needs.

Demonstration & Screenshots

Link to video demonstration

https://youtu.be/rUIeSQgWYZM

Screenshots of Mobile App

Beneficiary

Merchant

Screenshots of Web Application

Beneficiary

Bank

Admin

API Documentation

Link to API Documentation : https://documenter.getpostman.com/view/16934299/2s93sabZGr

Installation

To run our React Project Locally

Follow these steps to run a React project on your local machine:

  1. Clone the project repository:
git clone https://github.com/lokita282/CoDivas-AMEX.git
  1. Navigate to the desired branch :
    • For Admin Panel: encrypt-admin
    • For Bank & Benefeciary: encrypt-ezrupi
    • For Merchant: encrypt-frontend-merchant
  2. Navigate to the project directory: cd project
  3. Install project dependencies: npm install
  4. Start the development server: npm start
  5. Open your web browser and visit: http://localhost:3000

You should now see the React project running in your browser.

To run our React Native Project Locally

Follow these steps to run a React Native project on your local machine:

  1. Clone the project repository: `
git clone https://github.com/lokita282/CoDivas-AMEX.git
  1. Navigate to the branch: ExpoApp
  2. Navigate to the project directory: cd project
  3. Install project dependencies: npm install
  4. Make sure you have set up the development environment by installing Node.js and React Native CLI.
  5. Connect your Android or iOS device to your computer, or set up an emulator/simulator.
  6. Start the development server: npx react-native start
  7. In a new terminal window, run the project on the connected device or emulator:
    • For Android: npx react-native run-android
    • For iOS: npx react-native run-ios

The React Native project should now start building and running on your device or emulator. You will see the app running and any changes made to the code will automatically update in real-time.

To run our Node.JS Project Locally

Follow these steps to run our Node.JS project on your local machine:

  1. Clone the project repository:
git clone https://github.com/lokita282/CoDivas-AMEX.git
  1. Navigate to the branch: encrypted-backend
  2. Make sure you have set up the development environment by installing Node.js
  3. Install project dependencies: npm install
  4. Connect to database by creating a .env file, replace connection with URI in .env
  5. Execute the command npm start

Contributors

We would like to acknowledge the exceptional teamwork and collaboration among all the contributors involved in this project. The successful outcome of our endeavor is a testament to the collective effort and dedication of each team member.

Acknowledgements

We would like to express our heartfelt gratitude to American Express for providing us with the incredible opportunity to participate in their prestigious hackathon. This platform has allowed us to showcase our skills, creativity, and innovative ideas in the realm of technology and finance. We would also like to extend our sincere appreciation to our mentor, Chhavi Chauhan, for her unwavering support, guidance, and mentoring throughout this hackathon. Her expertise and insights have been invaluable in shaping our ideas, refining our approach, and pushing us to deliver our best. We are honored to have been a part of this hackathon and look forward to continuing our journey towards creating impactful solutions in the world of technology and finance.

Developed by: Team CoDivas