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SEPAmail: Innovating Electronic Exchanges for Businesses

Discover SEPAmail's versatile infrastructure for B2C and B2B exchanges like payments, invoices, quotations, and more. Learn about its Trusted Third Party Processors and shared standards for secure electronic communication.

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SEPAmail: Innovating Electronic Exchanges for Businesses

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  1. W3C Workshop, Mars 2014 Cyril Vignet Innovation Business Line, BPCE SEPAmail Projet Manager

  2. SEPAmail, our vision • SEPAmail was initially designed to cover the needs of electronic exchanges before and after payments for our clients. • We wanted to address a lot  of exchanges and contexts : • B2C, B2B, • payment request, • Invoice, • Direct debit mandate, • bill of lading, quotation, receipts,…, • Statements (those of our clients), payslips • Our vision was to offer a versatile infrastructure between actors • A real ecosystem (actors with their responsibilities) • Shared standards

  3. SEPAmail approach : 2 Trusted Third Party Processors The TTPP of ABC c onnects to the TTPP of Alice SEPAmail is a protocol based on : • WEB/internet standard encapsulating • ISO 20022 or xlm data format to be used between TTPP. The TTPP of Alice asks Alice So, ABC Inc. asks his Trusted Third Party Provider specialised in « subject A » ABC Inc. and Alice want to talk on « subject A » Alice ABC Inc. Optional but obvoiusly available for the exchanges between actors and TTPP

  4. What we want to avoid : part 1 “Alice be obliged to connect to TTPP of ABC Inc.” ABC Inc. And Alice want to talk on « subject A » Alice ABC Inc. Or, ABC Inc be obliged to connect to TPP of Alice.

  5. What we want to avoid : part 2 “The same network of TPPP specialised in all the subjects” « subject A » TTPP Network SEPAmail incoporates a layer of « family of messages » that enables to diffrentiate and create a lot of « subjects » ABC Inc. And Alice want to talk on « subject A » ABC Inc. And Alice want to talk on « subject B » Alice ABC Inc. « subject B » TTPP Network

  6. What we want to avoid : part 3 “use of a central body like Ach or CSM,…” Only IP network between TTPP ABC Inc. And Alice want to talk on « subject A »

  7. So far, what we realised with SEPamail • Design the encapsulating framework and some families based on ISO 20022 & PDF • A layer for « bill presentment / e-sepa » (named RUBIS) • A layer for « Direct Debit e-mandates » (named GEMME) • A layer for « IBAN control » (named DIAMOND) • A layer for « Data along payments » (named JADE) • Launch in 2014 a “network” open to Payment Service Providers • Design already or in progress, families for TTPP that may not be PSP • A family for interoperability between complementary currencies (concept level) • A family for mobility purpose • An authentication layer to secure electronic devices such as mobile phone or PC (named SAPPHIRE)

  8. Actually, SEPAmail is an “overall architecture that solves (part) the authentication problem” Example of the SAPPHIRE family TTPP specialised in Alice authentication The TTPP is Alice’s mobile device The mobile send a public Key The TPP present the key on existing secure channel The TPP send a certified public Key Alice accepts the key The mobile can send and receives securly, Alice is happy :-) Alice Alice

  9. From the beginning SEPAMAIL is licenced under a Creative Commons Share Alike Paternity licence http://documentation.sepamail.org

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