H2H ProcessFlow V1.1 New
H2H ProcessFlow V1.1 New
SFTP SFTP
Port 22 Port 22
Encrypted files transfer from Client to bank
Client Server Client Firewall Server Bank Firewall Bank Server
Kotak Mahindra Bank Limited offers Host to Host functionality using FTP (PSFTP / PUTTY) with custom build
encryption facility via port 22 for the customers. It also has the capability to transmit the Reverse files back to
customer using the same platform.
Push Mechanism:
Encryption & File transfer will be handled by Java utility which will be deployed at client system.
Pull Mechanism:
Encryption if required will be handled by Java utility which will be deployed at client system. Customer will
have to provide access with necessary credentials (User name & password) to the bank for the location from
where the file needs to be picked.
Following process is followed for the Host to Host transfer of files for Push Mechanism.
1) After the required port opening process is completed, the client will generate a raw file and park in one
designated folder.
2) The Java utility (provided by the bank) is executed which will pick the raw file from the designated
folder and encrypt the same and would push the encrypted file to the Kotak bank server through
Host2Host channel.
3) On receipt of the file at the Bank’s end an email will be triggered which will act as intimation to the
client for receipt of the file at Bank’s end.
4) The encrypted file received at Kotak bank end will be decrypted using the necessary certificates and
will then get processed.
5) On the process completion, a reverse file will be generated which will then be transferred to the clients
end through the same H2H channel in encrypted mode…
6) The Java utility residing at the clients end will read the encrypted file and will decrypt the same.
7) This decrypted file is then uploaded back in the client system for necessary reconciliation.
Following process is followed for the Host to Host transfer of files for Pull Mechanism.
1) After the required port opening process is completed, the client will generate a raw file and park in one
designated folder.
2) The Java utility (provided by the bank) is executed which will pick the raw file from the designated
folder and encrypt the same (If encryption is required).
3) Bank will then connect to the designated location with the credentials provided and will pull the files
for processing. On receipt of the file at the Bank’s end an email will be triggered which will act as
intimation to the client for receipt of the file at Bank’s end.
4) The encrypted file received at Kotak bank end will be decrypted using the necessary certificates and
will then get processed.
5) On the process completion, a reverse file will be generated which will then be transferred to the clients
end through the same H2H channel in encrypted mode if required, else raw file will be transferred.
6) The Java utility residing at the clients end will read the encrypted file and will decrypt the same. If raw
file is transferred, the same will get processed as it is in the client system.
7) This decrypted file is then uploaded back in the client system for necessary reconciliation.
Sample Folder Structure (For H2H activity)
D:\KOTAK\KOTAKFILETRANSFER\ (This folder will have all the necessary files for the H2H process)
D:\KOTAK\KOTAKFILETRANSFER\Input (This folder will contain the raw file generated from Clients end)
D:\KOTAK\KOTAKFILETRANSFER\Encrypted file (This folder will contain the file which is encrypted by
the Java utility provided by Bank)
The files generated will be processed basis the mechanism used.
D:\KOTAK\KOTAKFILETRANSFER\ReverseInput (This folder will contain the reverse file received from
Banks end)
D:\KOTAK\KOTAKFILETRANSFER\ReverseDecrypted (This folder will contain the reverse file which is
decrypted by the Java utility provided by Bank if encrypted file is received)
The decrypted file is then uploaded back in the client system for necessary reconciliation.