Business Requirements Definition

For
WIBMO

Bill Splitter BRD V1.0

Hemant Chakole
August 2016

Contents
1.

2.

3.

Introduction.......................................................................................................... 4
1.1.

Overview........................................................................................................ 4

1.2.

Business Problem........................................................................................... 4

1.3.

Purpose & Benefits......................................................................................... 4

1.4.

Project Scope................................................................................................. 4

1.5.

Systems Impacted......................................................................................... 5

1.6.

Business Functions Impacted.........................................................................5

1.7.

Open Issues................................................................................................... 5

1.8.

Dependencies................................................................................................ 5

Functional Requirement....................................................................................... 6
2.1.

Process Flow Diagram -..................................................................................6

2.2.

Process Flow.................................................................................................. 6

2.2.1.

Individual Friends Section........................................................................6

2.2.2.

Groups Section...................................................................................... 10

2.2.3.

Reports Section..................................................................................... 13

2.2.4.

Calculation Steps................................................................................... 14

2.2.5.

Admin Panel........................................................................................... 17

Non-Functional Requirement..............................................................................18

Document Revision History

Document Document Written
Version No. Revision
By
Date
1.0

Changed Change Summary

11-Aug-2016 Hemant Chakole

Initial Draft

1.Introduction
1.1.

Overview
Wibmo is Indias premium mobile payments company. With
mobile shopping becoming as popular and universal as the
mobile itself, its growth is fuelled by none other than Wibmos
payment technology. Here, solutions are developed on the
mobile handset and all the underlying technology that makes it
possible. Millions of digital payment transactions are processed,
making them one of the largest processors in the country.
Wibmo is also a market leader in

1.2.

Payment Gateway Services

Fraud Detection and Prevention
Authentication
Prepaid Cards

Business Problem
Currently in the existing Payzapp app, user can transfer money
from one account to another Payzapp account. But if multiple
users are involved into the common expenses then user need to
calculate all the individual contributions of users manually and
settle them through account to account transfer to individual
user. The Payzapp payment platform can be leveraged for the
instant bill split and settlement of such tedious task.

1.3.

Purpose & Benefits

Instant splitting of bills with the friends or within groups

Instant figuring of how much one person owes to another in
common expense situation (Like group trip, movie, rent, utility
bills etc.)
Instant settlement of bill through transfer on money from one
Payzapp account to other payzapp account
No remembering of each persons contribution and account
details for money transfer
Facility to create expense sharing groups, to download expense
sheet in excel format, to share over mail or through other apps,
to upload bills and to discuss at common platform.

1.4.

Project Scope

1.5.

Systems Impacted

1.6.

Customer Service
Settlement Team
Operation Team

Open Issues

1.8.

On-boarding System
Transaction System
Reporting System

Business Functions Impacted

1.7.

Integration of bill split database with the current system

database to have broad look-up at complete operations.
User Management Bill split functionality will add more number
of users in the existing set of users.
Create Role
Create user
Tracking of users
Search & Edit users
Bill Split and Settlement Functionality users
Create Bill split activity
Search and edit activity
Delete activity
Settlement of bills
Reports
Comprehensive Reports for admin and end user
Learning Management
User Learning
FAQ updating for Bill Split

Wireframes and UX designs need to be designed, finalized and

added in BRD.
Display Content (Parameter Names & Messages) need to be
finalized.

Dependencies

Need the business sign off on the defined scope of the Bill Split
functionality.
Need the approval from legal and compliance team for the
process flow and flow content.

Need to finalized design wireframes and htmls to initiate

development.
Need the existing APIs to trigger SMS to new member for link up
with them.
Need the existing APIs for the payment settlement through
PayZapp.

2. Functional Requirement
2.1.

Process Flow Diagram -

2.2.

Process Flow

2.2.1.Individual Friends Section

Dashboard It displays status of the user based on total balance
(Receivable - Payable), total receivable amount or total payable
amount from different friends based on the selection.
If user selects total balance & total balance echoes
receivable amount (Payable Amount < Receivable
Amount), then status should be payment receivable and
amount in green colour should be displayed.

 If user selects total balance & total balance echoes

payable amount (Payable Amount > Receivable Amount),
then status should be payment receivable and amount in
red colour should be displayed.
A pie chart should be displayed indicating total receivable
and payable amount. Also, list of all users should be
displayed along with their statuses.
If user selects payable option then all the payables of the
user should be displayed in red colour. Also, list of all
users with the Payables status should be displayed in
friends list.
If user selects receivable option then all the receivables of
the user should be displayed in green colour. Also, list of
all users with the receivables status should be displayed
in friends list.

Friends List
It will have the list of all the friends which are linked with
the user along with their payables and receivable status.
If the payment status is receivable from friend then it will
show Amount Receivable and the amount in green colour.
If the payment status is payable to friend then it will show
Amount Payable and the amount in red colour.
If all bills are settled with the friend then it will display
message as Settled UP.
On click of friend name in the list, following fields will
appear. It will display information about the user,
payable/receivable status.
o Display Name Name of the friend will be
displayed along with his/her mobile number.
o Current split Status Here, the complete receivable
/ payable or settled up status along with respective
amount will be displayed.
o Settle Up Option
User can settle with direct payment using
PayZapp money sending functionality. Same
will be reflected into reports of PayZapp
report and bill-split report.
If user chooses not to settle through PayZapp
payment and pay through any other medium
then also one can save it as settled. User
need to enter the settlement amount, date.
User can also upload image and comments
for the same.

Common Groups Here, user can view the list of all

groups which he/she shares with the friend i.e.
common
groups.
Also,
a
payment
receivable/payable/settled up status with the friend
will also be displayed against group names.
Add Expense Button
Description - Here, user need to add the
heading for the expense bill.
Amount - Here, user need to enter total
amount of the bill. It should be numeric field
and amount should be greater than or equal
to Rs 0.
Person Selection for Bill Splitting - Here, user
can select multiple friends, present in his/her
list, for bill splitting. By default, the already
selected friend will be present.
Splitting Ratio - The splitting of bill can be
done based on the expense contributions of
participating friends.
Split Equally - Here, bill will be split
equally among all the friends. Here,
total amount will be divided by no. of
participating friends and result will be
assigned to participating friends.
Split Unequally Here, bill will be split
among participating friends as per
their individual expense. Expense
originating user need to assign
expense amount against participating
friends individually.
Split by Percentage Here also, bill will
be split unequally. Expense originating
user
need
to
assign
expense
percentage
against
participating
friends individually. Actual amount will
be assigned to participating members
automatically.
Date of Bill - Here, user need to select the
date of expense. The default value will be
current date.
Category Assignment Here, user can select
the category of the expense from the dropdown option. Categories will be like

Entertainment, Utility Bills, Travel, Others

etc.
Image Upload Here, user can upload the
image of the invoice from mobile gallery or
camera picture. It will be visible to all the
participant friends in the reports section for
viewing purpose.
Comments Here, user can add the
explanatory comments about the expense. It
will be visible to all the participant friends in
the reports section.
Send Reminder Here, user can send reminder for
payment receivable from other friends. A SMS will
be send to the respective friend.
Export or Share Here, user can download the
expense report in excel format and share through
available options (like - Mail, ShareIt, Bluetooth
etc.) in mobile app.
Delete Here, user can delete the friend from
his/her existing friends list. After deletion, SMS will
be triggered to both the users stating the payment
receivable and payable status.

Add More Friends (Mobile Number)

o This functionality is to link-up new friend/member
to split bills.
o On click of CTA button for Add More Friends
button, user can enter mobile number from the
mobile contact list.
o A SMS will be triggered to user/new member and
his/her name will be added in the friends list of
user. User can start splitting bills from the very next
moment.
o In the SMS triggered to new user, a link for the
PayZapp will be provided and once new user
registers from the provided link, same split bills will
be reflected into new users account.
Add Expense Using this feature, user can add bills for
splitting with the friends. On click of CTA button for Add
Expense, following fields will appear for user to create and
split expense.
o Description Here, user need to add the heading
for the description.

o
o

Amount Here, user need to enter total amount of

the bill. It should be numeric field and amount
should be greater than or equal to Rs 0.
Person Selection for splitting Here, user can select
multiple friends, present in his/her list, for bill
splitting.
Splitting Ratio The splitting of bill can be done
based on the expense contributions of participating
friends.
Split Equally Here, bill will be split equally
among all the friends. Here, total amount will
be divided by no. of participating friends and
result will be assigned to participating
friends.
Split Unequally Here, bill will be split among
participating friends as per their individual
expense. Expense originating user need to
assign expense amount against participating
friends individually.
Split by Percentage Here also, bill will be
split unequally. Expense originating user
need to assign expense percentage against
participating friends individually. Actual
amount will be assigned to participating
members automatically.
Date of Bill Here, user need to select the date of
expense. The default value will be current date.
Category Assignment Here, user can select the
category of the expense from the drop-down
option. Categories will be like Entertainment, Utility
Bills, Travel, Others etc.
Image Upload Here, user can upload the image of
the invoice from mobile gallery or camera picture.
It will be visible to all the participant friends in the
reports section for viewing purpose.
Comments Here, user can add the explanatory
comments about the expense. It will be visible to all
the participant friends in the reports section.

2.2.2.Groups Section
Dashboard It shows status of the user based on total balance
(Receivable - Payable), users total receivable amount and total

payable amount from different groups based on the status

selection.
If user selects total balance & the total balance reflects
receivable amount (Payable Amount < Receivable
Amount), then status should be payment receivable and
amount in green colour should be displayed.
If user selects total balance & total balance reflects
payable amount (Payable Amount > Receivable Amount),
then status should be payment receivable and amount in
red colour should be displayed.
A pie chart should be displayed indicating total receivable
and payable amount. Also, list of all groups should be
displayed along with their statuses.
If user selects payable option then all the payables of the
user should be displayed in red colour. Also, list of all
groups with the payables status should be displayed.
If user selects receivable option then all the receivable of
the user should be displayed in green colour. Also, list of
all groups with the receivables status should be displayed.

Group List It will have the list of all the groups, of which the
user is part of, along with their payables and receivable status.
If the payment is receivable from group then it will show
Amount Receivable and Amount in green colour.
If the payment is payable from group then it will show
Amount Payable and Amount in red colour.
If all bills are settled with the group then it will display
message as Settled UP.
On click of group name in the list, following fields will
appear. It will display information about the group and
payable/receivable status.
o Display Name Name of the group will be displayed
here.
o Current split Status Here, the complete receivable
/ payable or settled up status along with respective
amount will be displayed. It will also display the
payable to or receivable from member name and
amount.
o Settle Up Option
User can settle with direct payment to
respective member using PayZapp money
sending functionality. Same will be reflected
into reports of PayZapp report and bill-split
report of the user.

If user choose not to settle through PayZapp

payment and through any other medium
then also one can save it as settled. User
need to enter the settlement amount, date.
User can also upload image and comments
for the same.
Add Expense Description - Here, user need to add the
heading for the description.
Amount - Here, user need to enter total
amount of the bill. It should be numeric field
and amount should be greater than or equal
to Rs 0.
Member Selection for splitting Here, the
functionality to add or remove person from
splitting for current bill split will be added. So
that, the existing member of the group can
be removed from the bill split if he is not the
part of current expense.
Splitting Ratio - The splitting of bill can be
done based on the expense contributions of
participating friends.
Split Equally - Here, bill will be split
equally among all the friends. Here,
total amount will be divided by no. of
participating friends and result will be
assigned to participating friends.
Split Unequally - Here, bill will be split
among participating friends as per
their individual expense. Expense
originating user need to assign
expense amount against participating
friends individually.
Split by Percentage - Here also, bill will
be split unequally. Expense originating
user
need
to
assign
expense
percentage
against
participating
friends individually. Actual amount will
be assigned to participating members
automatically.
Date of Bill - Here, user need to select the
date of expense. The default value will be
current date.

Category Assignment - Here, user can select

the category of the expense from the dropdown option. Categories will be like
Entertainment, Utility Bills, Travel, Others
etc.
Image Upload - Here, user can upload the
image of the invoice from mobile gallery or
camera picture. It will be visible to all the
participant friends in the reports section for
viewing purpose.
Comments - Here, user can add the
explanatory comments about the expense. It
will be visible to all the participant friends in
the reports section.
Export or Share Here, user can download the
expense report in excel format for the group
transactions and share through available options
(like - Mail, ShareIt, Bluetooth etc.) in mobile app.
Delete Here, user can delete the member from
the current group members list. After deletion, SMS
will be triggered to all the members of groups
stating the payment receivable and payable status.

Create Group Here, user can create group from existing

and already linked members. User can add new user also
into the groups and start splitting bills with them. User
creator can assign the assign the roles to the user also.
User with edit rights can view, add and delete bill
expenses in the user. User with view rights can only view
the transactions in the group.
Add Expense
o Group Selection Here, user can select the group
name from existing list of groups for bill splitting.
o Description - Here, user need to add the heading
for the description.
o Amount - Here, user need to enter total amount of
the bill. It should be numeric field and amount
should be greater than or equal to Rs 0.
o Member Selection for splitting Here, the
functionality to add or remove person from splitting
for current bill split will be added. So that, the
existing member of the group can be removed from
the bill split if he is not the part of current expense.

o
o

Splitting Ratio - The splitting of bill can be done

based on the expense contributions of participating
friends.
Split Equally - Here, bill will be split equally
among all the friends. Here, total amount will
be divided by no. of participating friends and
result will be assigned to participating
friends.
Split Unequally - Here, bill will be split among
participating friends as per their individual
expense. Expense originating user need to
assign expense amount against participating
friends individually.
Split by Percentage - Here also, bill will be
split unequally. Expense originating user
need to assign expense percentage against
participating friends individually. Actual
amount will be assigned to participating
members automatically.
Date of Bill - Here, user need to select the date of
expense. The default value will be current date.
Category Assignment - Here, user can select the
category of the expense from the drop-down
option. Categories will be like Entertainment, Utility
Bills, Travel, Others etc.
Image Upload - Here, user can upload the image of
the invoice from mobile gallery or camera picture.
It will be visible to all the participant friends in the
reports section for viewing purpose.
Comments - Here, user can add the explanatory
comments about the expense. It will be visible to all
the participant friends in the reports section.

2.2.3.Reports Section
Activity List All the activities of the user in chronological order
will be displayed. Following parameters will be displayed in the
report Added By Name of the friend who created the bill split
instance. Here, user himself/herself may come in the
added by column if he/she has created the instance.
Status It indicates the payment receivable or payable
status of the activity or transaction.

 Amount The expense amount for the user will be

displayed here.
Group The group name in which split instance is created.
In case of individual split between two friends without any
group then other will come under group name.
Category It indicates the transaction category of the
expense.
Date & Time It displays the bill/expense split creation
date and time.

On click of record, complete records should be fetched

Description Here, the name of the expense will be
displayed.
Added By Here, the name of the friend who created the
expense will be displayed.
Date & Time Here, the date and time of the expense
creation will be displayed.
Split Details Here, individual expense contribution of all
the participating members will be displayed.
Edit Option Here, user with edit rights in case of groups
or participating member in case of friend bill split, can
change the bill amount, participating friends, comments,
image or description. User can delete or update
comments or images also.
Comments Here, user can view all the comments related
to the activity. They can be updated in the edit section
also.
Image Here, user can view the supporting image
uploaded by the person who added the bill. It can be
modified in the edit section also.

Delete Record The records present in the report can be

deleted. If the records are deleted then the settlement of
transaction amount should be reversed with the participating
members in the respective group or with the friend.

2.2.4.Calculation Steps
Calculations for the user need to be executed at the
creation/updating of any expense activity at group level or
individual level.
Group Calculation
When one member of group creates the bill split
instance/activity in the group, member selects all the
participating member of the expense. If it is equal

distribution then total amount will be distributed equally

among all members. If distribution is unequal then creator
member need to assign expense amount to each member.
Example In a user adds Rs. 300 expense of movie ticket
in a group having 3 members. All 3 members were
involved and expense contribution was equal then
expense of Rs. 100 will be assigned to each user.

Group Members
A
B
C

Expense Amount
100
100
100

After assignment of expense amount against each user,

creator member need to assign the contributions by the
individual members. Sometimes the contributor may be
from single person or sometimes there may be many
contributors.
Example In above case, there were 3 participants in the
expense but 2 users contributed Rs.150 each.
Group Members
A
B
C

Contribution Amount
150
150
-

After contribution assignment, the settlement calculations

need to be performed.
Example
Group
Members
A
B
C

Contribution
Expense
Return Amount
Amount
Amount
150
100
50
150
100
50
100
-100
In this case, payment receivable for user A & B is Rs. 50
each and payment payable for user C is Rs. 100.

In this way, individual status of the member would be

calculated.

 For settlement among members, 1st member with

payment receivable status will look for the user with
payment payable status. He/she will settle with the
payment payable user if the enough amount is available
for payment. If enough amount is not available then 1 st
receivable member will settle with complete amount of 1 st
payable members amount and will look for 2 nd payable
member. This process will continue till 1st members
amount is settled. Once the 1 st payment receivable
member is settled then settlement of 2nd payment
receivable member will initiate in same fashion. In this
way, all the payment receivables and payables will be
settled.
Example In above case, user A will settle his payment
receivable of Rs. 50 with user C. After settlement of user
A, user B will settle his Rs. 50 with user C. In this way,
settlement will be completed.
Group
Members
A
B

Action

Status

A
is 0
settled
NA
50
Receiva
ble
NA
-50
Payable

Action

Status

NA

B
is 0
settle
d
NA
0

In this way, initiated activity will be settled and the result

is members A & B should receive Rs. 50 each from
member C.
After the settlement of the single activity, the respective
amounts would be settled within groups current payable
and receivable status.
Example From last activity, members A & B should
receive Rs. 50 each from member C. But as per last
updated status of group settlement, member C will
receive Rs. 500 from member A and Rs. 300 from member
B. Hence, the final status of the group would be member
A need to pay Rs. 450 to member C and member B need
to pay Rs. 250 to member C.

 In this way, group settlement will be done and final

settlement result will be displayed to individual users.

Individual Calculation Here once the bill split activity is

created, it will be settled with the respective member and
updated against last status of the payment.
Example If user A splits the bill of Rs. 100 with user B then user
B need to pay Rs. 50 back to user A. But from earlier status, if
user B needs to pay Rs. 500 to user A already then final status
will be user B will be Rs. 550 to user A.

Activity/Transaction Cancellation If any transaction or activity is

cancelled or deleted by user with edit rights in case of groups or
by friend in case of individual transactions, then respective
expense amounts should be reversed and the final status should
be updated.
Example As per the final status, user A needs to pay Rs. 500 to
user B. But user B deletes one transaction of amount Rs. 100
distributed equally with both of them paid by user A. Hence the
Rs. 50 settled between user A & B for that activity will be
revoked and final status will be updated. Final status will be like
user A needs to pay Rs. 550 to user B.

Sample
Calculation.xlsx

Sample Calculation 2.2.5.Admin Panel

It would be accessible to admin users and customer support
team.
Customer support team would be able to initiate any bill split
activity with any friend or any group on request from the user.
Admin panel would have the access to view user settlement
status, transactions /activity reports and mail reports to user on
demand basis.

3. Non-Functional Requirement
o
o
o
o
o
o
o

o
o
o

All the content of the mobile app should be in English language only.
The MIS of all the activities in the split functionality should be
maintained separately. It will be required for Audit purpose.
The uptime for the mobile app should be more than 99.5% of the total
time.
The complete setup for Split functionality should be available in
currently up site and DR site.
The data recovery time should be less than 12 Hrs. in case of any
downtime instance.
All the regulatory and legal confirmation should be taken from the end
user.
The split functionality should be the part of current Payzapp app and
should be compatible with the mobile versions (Android, iOS &
Windows) with which PayZapp is compatible.
At a time, up to 500 users should be able to use split functionality at a
time.
All the calculations, bill splits, updating and other functionality should
be completed within 1 second.
All the data flow within APP and web server should be encrypted and
through secured channels.