ERIP "Calculation" system: connection and possibilities

The ERIP "Calculation" system is provided and maintained by OJSC "Non-bank credit and financial organization ERIP", which provides all the necessary technical and legal tools for performing electronic payments for service providers.

OnLine and offLine connections are provided. In the first case, the service provider interacts through the aggregator, that is, through an organization that provides an additional range of services and services for interaction with the AIS "Settlement". In the second case, the service provider performs connection to the "Settlement" system of the ERIP itself, having formalized legal relations with OJSC NKFE ERIP, developing and debugging its own tools for interaction with the server with the help of CJSC "Banking and Finance Telecommunications Network".

General conditions of participation

The service provider draws up legal relations with OJSC NKFE ERIP, provides technical FTP access to the server with the help of CJSC "BFT" and has the opportunity to organize the receipt of payments on its Internet resource, for example, a goods store, a service site, a payment terminal for utility or Other payments.

No matter what services or products the service provider offers, it is important that there is a connection, and the ERIP "Settlement" system allows him to receive payment in any way. Whichever client is, no matter how he pays, the payment will be received and accounted for.

In fact, the connection logic is simple:

• There is a service, a product;
• There is a buyer, a customer;
• On the website (web resource) the buyer makes a choice;
• Choice = unique code and buyer details;
• Payment = any mobile banking, info-kiosk, bank cash desk, etc.

As a result, payment is received at the desired point of the ERIP tree to a specific service provider.

Connection Information

On its Web site (site, store), the service provider places standard information proposed by the rules of interaction with a single accounting and information space.

The resource is available in the tree, the system "Calculation" of the ERIP is connected. How to use? We need our own variant of identification of the chosen service (goods) and requisites of the client (buyer, consumer).

As a result of the client's actions, a demand for payment is formed, which can be paid for by any of the options connected to the AIS "Calculation". In case of payment, the service (goods) can be provided, and payment for it will be received and accounted for.

The ERIP "Calculation" system has worked legally and technically regulations and protocols for all payment options, cancellation, accounting. But for their effective use it is very important to correctly place the necessary information and to monitor the actions of the customer (buyer, consumer).

After registration of contractual relations with OJSC NKFE ERIP and CJSC "BFT" the necessary information becomes available and full support of the service provider is provided.

Secure provision of services and receipt of payments

The ERIP "Calculation" system has a characteristic feature. First of all, it provides a variety of payment options. But ensuring compliance with payment requirements from each service provider, it remembers all transactions.

However, one should not rely on the ideal operation of communication networks, hardware, servers, software. All this is beyond the competence of OJSC NCFD and CJSC "BFT", although it is controlled by them as much as possible.

Own control of billed invoices received (reversed) payments is important and necessary. In addition, always any organization has its own accounting and control. The connection between its information space and the ERIP will be necessary.

Optimum connection to ERIP

For a small organization, or when the organization of the amount of payments are small, you can simply limit the aggregator and the payment option only through SMS messages. It is not difficult. The only drawback is that the aggregator will have to pay for his services.

If it's a solid store, payments that are too high for SMS payments, and there is a qualified programmer in the state, the best option is to connect to the ERIP independently. This is much more legal documents, technical difficulties, but the organization can fully ensure its place in a single accounting and information space.

For many objective reasons, it makes sense for each organization to reflect on its presence in the ERIP.