Overview
At POS, when the Bank offers EMI to a Customer, and once he/she agrees to the EMI and tenure, the offer amount should be blocked by the Bank against that Customer. It is to prevent over-booking by similar other simultaneous transactions by the same Customer. Instant Loan Blocking API gets invoked to block the EMI offer amount against the Customer. API identifies the offer based on the ApplicationId. Upon receiving a successful message from the API, the POS / EDC terminal can print the sale charge slip. This API call can timeout at the POS terminal in the following scenarios: 1. The API request never reaches Federal Bank Server, due to some network related issue. In this case, the POS / EDC should trigger an Enquiry API call, for which the Federal Bank will confirm that no action performed using the Blocking API call. The transaction gets completed and marked as timed-out at POS. 2. The API request reaches the Federal Bank Server, where it completes the process and returns a Success message. But the response somehow may not hit the POS / EDC terminal. The terminal is hence not aware of the Loan Blocking API call status. In this case, the POS / EDC should trigger an Enquiry API call, for which the Federal Bank host will respond with “Blocked” status. POS / EDC hence should fire the Unblocking API call with the application-id. The transaction gets completed and marked as timed-out at POS.