Cent Mobile (Central Bank of India) API Integration & Open Finance Solutions

OpenData / OpenBanking core: protocol analysis, authorization integration, and runnable API source delivery
Starting at $300
OpenBanking · Protocol Analysis · API Delivery

Safely connect Cent Mobile's accounts and transaction capabilities to your system

We perform protocol analysis of Cent Mobile using publicly accessible interfaces and authorization protocols, delivering runnable API implementations for account binding, transaction details retrieval, statement exports, transfer triggers, and session management with a focus on compliance and privacy.

Accounts & Session Management — supports token-based session maintenance, refresh strategies, and MFA/OTP simulation (implemented only in client-authorized environments).
Transactions & Statements — fetch transactions by time range, type, and channel with pagination; supports export to JSON/CSV/Excel/PDF and batch downloads.
Payments & Transfers — wrappers for NEFT/IMPS/UPI (as permitted by banks), risk checks and idempotent design, with callbacks and notification pipelines.
Reports & Automation — provides scheduled scraping scripts, change monitoring, and automated reconciliation; supports delivery to S3/FTP/Email.

Deliverables & Examples

Standard Deliverables

  • OpenAPI / Swagger interface specifications
  • Protocol analysis report (session model, authorization chain, key requests/responses)
  • Runnable backend code (Node.js / Python) and SDK
  • Webhook callbacks and retry mechanisms
  • Automated testing scripts and acceptance test cases
  • Compliance guidance (data retention, privacy, KYC integration)

Interface Example — Statement Query (pseudo)

// Pseudo-code: query account statements
POST /api/v1/cent/statement
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'account_id': 'ACC12345678',
  'from_date': '2025-09-01',
  'to_date': '2025-09-30',
  'page': 1,
  'page_size': 200
}

Response:
{
  'status': 'OK',
  'transactions': [
    { 'id':'TXN001','date':'2025-09-05','amount':-1200.00,'desc':'NEFT Transfer','status':'SUCCESS' },
    { 'id':'TXN002','date':'2025-09-10','amount':5400.00,'desc':'Salary Credit','status':'SUCCESS' }
  ],
  'next_page': null
}

Typical Integration Scenarios

Account synchronization, transaction crawling and reconciliation, batch report exports, automated anomaly alerts, multi-account management, and ERP integration.

Compliance & Security

All work is performed based on customer authorization or publicly accessible APIs; we provide data minimization, encrypted transmission, audit logs and privacy safeguards, with NDA and compliance assessments available as needed.

Tech Stack & Deployment

  • Backend: Node.js / Python / Go (optional)
  • Documentation: OpenAPI (Swagger), sample SDKs (JavaScript / Python)
  • Automation: Cron/Worker, containerized deployment (Docker)
  • Testing: integration tests and Postman collections

About Us

We are a technology studio specializing in App protocol analysis and Open Data/Open Finance integration. Our team comes from mobile payments, banking and cybersecurity backgrounds, delivering compliant API implementations and documentation for global clients.

  • Cross-platform protocol analysis and interface redesign for Android/iOS
  • Deliver runnable code, OpenAPI docs and testing suites
  • Compliance-first: privacy, NDA options, data minimization and audit-ready processes
  • Transparent pricing: starting at $300, payment on delivery/acceptance

Contact Us

Ready to start? Visit our contact page and submit the target App name and integration needs (e.g., Cent Mobile — balance/export, transfer callbacks, etc.).

Visit Contact Page

📱 Cent Mobile — Original App Overview (Expandable)

Overview

Cent Mobile is a mobile banking app offered by the Central Bank of India, enabling customers to access most banking services on their mobile devices. The app includes registration and login, balance checks, transfers, fixed deposits, UPIs and bill payments, among other features.

Registration & Login

  • One-time registration flows requiring mobile data and SMS verification.
  • Registration can be done using CIF/account details or net banking credentials.
  • Set up MPIN (login PIN) and TPIN (transaction PIN).

Main Features

  • Balance inquiries, transaction history and downloadable statements
  • Intra-bank and inter-bank transfers (NEFT/IMPS), Quick Pay and UPI payments
  • Opening/closing fixed deposits, applying for cards, reporting lost cards, checks and payments
  • Tax payments, mobile/data/bill payments and auto-debit services
  • Branch/ATM lookup, loan/card applications, and FASTag services

Permissions & Notes

  • App may request permission to send automated SMS during registration (per device).
  • Recommended to run on non-rooted devices for stability.
  • On devices under Android <10, some security features may collect phone numbers for risk control.

The above information is compiled from public app descriptions for technical integration and assessment purposes. If you want us to perform protocol analysis or API implementation for Cent Mobile, please submit a request via the contact page.