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Micro-Project Proposal Micro Project for

information about

“Testing the Google Pay Payment App”

1.0 Aims of the Micro-Project
1. The careful selection of the Payment method to be developed.
2. To get deep knowledge about Payment method of Google-pay .
3. The undertaking of payment methods between costumer and bank.
4. Monitoring & Evaluation activities to monitor progress and confirm results.

2.0 Course Outcomes Addressed

a) Apply various software testing methods.
b) Prepare test plan for an applicatrion.
c) Test software for performance measures using automated testing tools.

3.0 Proposed Methodology

Collect the information of all the “ Payment method of Google-pay with its Working & Code. The Payment
method of Google-pay also include the methodology and various info. detail.
I searched the micro project topics related to subject. Then selected micro project title. After selection of topic
searched and collected information related to selected topic. Then completed proposal of micro project.Google
pay isa mobile payment platform using which you can transfer money using UPI, recharge phone numbers, pay
utility bills, etc. There is no need to recharge the wallet, because the money will be directly debited from your
bank account at the click of a button in a safe and secure manner.

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4.0 Action Plan

Sr.No Details of activity Planned Planned Name of Responsible

. Start Date Finish date Team Members

Decide individual micro project Bangar Sarthak Santosh

1

2 Search micro project topics related To Bangar Sarthak Santosh

subject.

3 Selection of micro project title Bangar Sarthak Santosh

4 Search information related to selected Bangar Sarthak Santosh

topic

5 Collect information related to selected topic Bangar Sarthak Santosh

6
Completion of micro project topic Proposal Bangar Sarthak Santosh

7 Analyze collected data For micro Project Bangar Sarthak Santosh

report.

Bangar Sarthak Santosh

8 Finalize collected data For micro-Project
report.

9 Finalize Design & flow of Implementation Bangar Sarthak Santosh

10 Flow of Implementation Bangar Sarthak Santosh

11 Implementation of report. Bangar Sarthak Santosh

12 Report preparation Bangar Sarthak Santosh

13 Finalization of report Bangar Sarthak Santosh

14 Submission of report Bangar Sarthak Santosh

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Resources Required

Name of Resource
Sr. /Material Specifications Qty. Remarks
No.

Processor 3.00 GHZ,RAM 4

1 Computer System 1 Used
GB,HDD 500 GB

2 Operating System Windows 7 1 Used

3 Text editor Microsoft Word 1 Used

4 Browser Mozilla Firefox, Google Chrome 1 Used

5 Printer HP Laser Jet 1 Used

6 Other resource Internet Connection 1 Used

Names of Team Members with Roll Nos. Roll No.

1. Bangar Sarthak Santosh 17

(To be Approved by the concerned teacher)

****************

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A
PROJECT REPORT

ON
“Payment method of G - Pay”
SUBMITTED IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR
THE AWARD OF

DIPLOMA IN

COMPUTER ENGINEERING

SUBMITTED TO
MAHARASHTRA STATE BOARD OF TECHNICAL EDUCATION,
MUMBAI

SUBMITTED BY

Name of Student Enrollment Number

Bangar Sarthak Santosh 2009920106

GUIDED BY
(Ms.Thorat S.K.)

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SAMARTH POLYTECHNIC, BELHE

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SAMARTH POLYTECHNIC, BELHE

CERTIFICATE
This is to certify that the project report entitled “Payment method of
phone G - Pay” Was successfully completed by Student of Fifth semester
Diploma in computer engineering.

Bangar Sarthak Santosh

in partial fulfillment of the requirements for the award of the Diploma in

Computer engineering and submitted to the Department of Computer of
Samarth Polytechnic, Belhe work carried out during a period for the academic
year 2022- 23 as per curriculum .

Ms. Thorat S.K. Prof.Navale S.K Prof. Kapile A.S.

(Subject Teacher) (H.O.D) (Principal)

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ACKNOWLEDGMENT

This project is done as a Fifth semester project, as a part course titled “Payment method of Google pay”
We are really thankful to our course the Principal Prof. Kapile A. S. and the HOD
Prof. Navale S.K Samarth Polytechnic, Belhe for his invaluable guidance and assistance, without which
the accomplishment of the task would have never been possible.
We also thank Ms. Thorat S.K.for giving this opportunity to explore into the real world
and realize the interrelation without which a Project can never progress. In our present
project we have chosen the topic- “Payment method of G-pay”
We are also thankful to parents, friend and all staff of Computer engineering department, for providing us
relevant information and necessary clarifications, and great support.

Bangar Sarthak Santosh

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INDEX

Sr.No. Name of Chapter Page No.

Chapter 1 Synopsis 1

1.1 Project Title

1.2 Project Option

1.3 Internal Guide

1.4 Problem Statement

Chapter 2 Abstract 2

Chapter 3 Introduction 3

Chapter 4 Actual Resources Used 6

Chapter 5 Test Plan 7

Chapter 6 Advantages and disadvantages 8

Chapter 7 Utility uses of Google pay 13

Chapter 8 Digital Wallets in India 16

Chapter 9 Strategies to become profitable 17

Chapter 10 Conclusion 18
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Testing the Google Pay Payment App

CHAPTER 1

SYNOPSIS

1.1 Project Title

Payment method of G - pay

1.2 Project Option

None

1.3 Internal Guide

Ms.Vijaya Chavan

1.4 Problem Statement

Payment method of phone g - pay.

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CHAPTER 2 ABSTRACT

Google Pay is a digital wallet and payment platform developed by Google,

enabling users to perform transactions using Android devices both in-store and
online. This project focuses on testing the functionality, usability, and
performance of the Google Pay app compared to other platforms like Paytm.
The aim is to promote the usage of domestically developed applications over
foreign technologies and to identify the factors that may lead to user hesitation
in utilizing Google Pay.
The research employs a random sampling method, with data collected as a
primary source during the months of November and December 2019. This data
is analyzed using various statistical tools such as probability analysis, simple
percentage analysis, and averages. Based on the findings, suitable
recommendations will be provided to enhance the user experience and address
common concerns.
The paper also discusses the importance of preferring Indian digital banking
applications over international alternatives. Mobile payments or digital payment
applications, including Google Pay and Paytm, are becoming increasingly
competitive in the electronic payment landscape. One significant service
provided by the National Payments Corporation of India (NPCI) is to enhance
the UPI market share among digital payment companies.
With the Google Pay UPI app, users can send and receive money instantly using
a Virtual Payment Address (VPA), allowing transfers between any two bank
accounts. The app facilitates direct payments from bank accounts to both online
and offline merchants without the need for credit or debit card details, one-time
passwords, or IFSC codes. It is important to note that Google Pay cashback is
credited only to the Google Pay wallet and does not transfer to bank accounts.
The app operates on the Unified Payments Interface (UPI) system, requiring
users to input their bank account details and create a UPI ID for seamless
transactions.
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CHAPTER 3 INTRODUCTION
In this project, we explore various aspects related to the payment methods of Google Pay, culminating in the
finalized title, “Payment Methods of Google Pay.” Our research begins with an extensive search for
information on the payment processes within the Google Pay app, where we collect comprehensive data
regarding types of transactions, limits, and the operational steps involved in using Google Pay.
We will also outline the preparation of an Action Plan, detailing the implementation of planned monitoring and
evaluation activities to track progress and confirm results. This meticulous approach ensures that the data
collected is not only relevant but also actionable for our micro project report.
Google Pay, originally known as Tez, is an Indian e-commerce payment system and digital wallet established in
2015 by Sameer Nigam, Rahul Chari, and Burzin Engineer, with its headquarters in Bangalore. The app operates
on the Unified Payments Interface (UPI), making it the first payment application in India to leverage this
innovative payment protocol. In 2016, Google acquired the company behind Google Pay, subsequently
rebranding it to enhance its features and user experience.
Within just three months of its launch, Google Pay achieved remarkable success, surpassing 10 million
downloads. By 2018, it had become the fastest Indian payment app to earn the prestigious 50 million badge on
the Google Play Store. This rapid growth underscores the app’s popularity and its role in transforming the digital
payment landscape in India.
As a UPI-based application, Google Pay provides a seamless and cashless payment experience. The UPI system
enables users to transfer money between any two bank accounts via their smartphones, facilitating direct
payments to both online and offline merchants without the need for entering credit card details, IFSC codes, or
net banking passwords. This ease of use has made Google Pay a preferred choice for many users, promoting the
adoption of digital transactions across the nation.
In this micro project, we will delve into the specifics of Google Pay's payment methods, analyzing how they
contribute to a secure, efficient, and user-friendly payment experien
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Latest Types of Frauds and Safe Transaction Tips

1. Request Money Scam: Fraudsters use fake links set up through deceptive websites,
often featuring attractive offers like “Get a scratch card” or “Win a lottery.” Clicking
on these links may result in money being debited from your account and credited to
the fraudster's account. Always verify links before clicking and avoid unknown
sources.
2. Cashback Fraud: In this scam, fraudsters impersonate representatives of payment
apps, claiming that you are eligible for a cashback offer. They then send payment
requests, asking you to click ‘Pay’ and enter your UPI PIN. Remember, you should
never click ‘Pay’ or enter your UPI PIN to receive money. Always decline such
requests.
3. Family/Friend Impersonation: A common tactic involves fraudsters creating fake
social media accounts to impersonate a victim's friend or family member. They may
DM the victim, requesting money for an emergency. Always verify the identity of the
person you are communicating with, especially when money is involved.
4. Debit/Credit Card or Top-Up Fraud: In this scenario, fraudsters may call, claiming
to be representatives from your bank, the RBI, an e-commerce site, or a lottery
scheme. They often ask for your 16-digit card number and CVV, followed by an OTP
sent via SMS. The fraudster will then call back, asking for the OTP under the pretense
of verification. Never share your OTP with anyone.
5. Fraud in the Name of Part-Time/WFH Jobs: As many individuals seek part-time
jobs, fraudsters take advantage of this by asking victims to download apps or click on
links to fake job listings. This often results in financial loss, especially for
international migrants who are targeted with fake job offers requiring advance
payments for visas.
6. Advance Payment Scam: In this scheme, fraudsters create fake listings for items or
properties for sale or establish fake shopping websites. They request payment in
advance but fail to deliver the promised item once payment is made.
7. Investment Scam: Certain gambling apps or platforms may promise to double your
investment. Initially, they might provide returns to build trust, but once users invest
large amounts, they abruptly shut down and disappear with the money.
8. Fraud by Remote Access or Vishing: Senior citizens are often targeted in this type
of fraud. A scammer may call and request that the individual download a remote
access app, giving the fraudster control over their device. This enables the fraudster to
steal money and sensitive information.
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CHAPTER 4

Actual Resources Used

Name of
Sr. Resource Specifications Qty. Remarks
No.
/Material
Processor: Intel i7 3.00 GHz, used
RAM: 12GB
1 Computer SSD: 1TB 1
System Windows 10 64-bit Operating System

Used for
2 Testing Tool Selenium WebDriver, Version: 1 automation
[Latest Version]
3 Text Editor Microsoft Word 2019 1 Used for report
preparation
Print
4 Printer HP LaserJet 1
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CHAPTER 5 Test Plan

1) Introduction

The Test Plan is designed to prescribe the scope, approach, resources, and schedule of
all testing activities of the project Travel Booking Site. The plan identifies the items to be
tested, the features to be tested, the types of testing to be performed, and the personnel
responsible for testing.

The purpose of this document is to create an application test plan for Travel Booking
Site. The presented study to test plan evaluates to testing this application. The purpose of
testing this program is to check the correct operation of its functionality and ease of use.

2) Featured to be tested:
1. Data Gathering
2. Identifying test requirement.
3. Collecting the test cases on Application
4. Gathering the information of testing types

3) Featured not to be tested:

Cannot Test at Administrator.
4) Approach:

By accessing the source code- Black Box, Beta Testing, Performance testing, Security testing
By degree of automation –manual
On the test object: Functional
Non-Functional According to the Requirement: Positive nigative

5) Environmental needs:
In windows 10 we will occur Following Travel Booking Site.

6) Schedule:
The Deadline for compilation of all works and delivery of the project is 24.12.2021
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CHAPTER 6
Skill Developed/ Learning outcome of this Micro-Project

Leadership
Communication
skill Planning skill
Time Management
Risk Management
Negotiation skill
Team work

Advantages:
• Convenient way to pay. Paying for goods and services has never been more convenient
than with using a mobile payment system. ...
• Secure way to pay. Mobile payment apps allow you to use your cell phone to make in-store
purchases. ...
• Faster way to pay. ...
• More places to pay. ...
• Always able to pay.

Disadvantages:

• Security Risks

• Inconvenience For Some Customer

• Too Many Alternatives To Choose From

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Output of microproject :

Test Test Precondi Steps Expecte d Actual Stat us

Case Case tion Result Result
ID Objecti ve

TC-01 Check Internet is 1. Check the network Internet Internet Pass

That available connecti connecti on
internet on must be is
connect availabl e availabl e
ion is
availabl e
or not
TC-02 Check Applicati 1. Open chrome/ google applicat applicat Pass
whethe r on should 2. Search for Google pay ion should ion is
applicat be applocation website be Opening
ion available opening successf
on chrome successf ully
/google ully
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Samarth Polytechnic, Belhe Page 9

1.

TC-03 Check applicati 1. Open the application Android Pass

the on must Android
operati should b ispresent
ng lunch epresent
system
of
applica
tion
TC-04 Enter applicati 1. Open the application Error Error Pass
invalid on 2. Click ,keys mouse should is
phone should rollover be displa
numbe launch displa y
r y
TC-05 Chec Different 1. open Phone Phone Pass
k ways are the numbe number
login available applicati r iscorrect
page for on
i customer 2. click
savailabl to on registration
e or not logi
n
in the
applicat
ion
TC-06 Verify Phone 1.open the application Phone Phone Pass
the number 2.Click on number number
phone details Registration. should isvalid
numbe are be
rdetails available verified
are
availab
le or
not
TC-07 Check Occupati 1.open the application Occupat Occupat Pass
other on ion type ion type
occupa typ should iscorrect
tion eis becorrect
type available
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TC_8 To For 1. Open the application Salaried Salaried Pass

select Enterin type type
occupat g should i
ion type occupat becorrect s
ion type correct

2.
TC_9 To For 1.open the application Select Self Pass
select entering the
other other self -
occupat occupati -Employ employe
ion type on type ed typ e d
for typ
occupati e is
on type correct

TC_10 Enter applicati 1. open the application Pin code Pin code Pass
pin on 2. Click on Registration. should be is correct
code launch correct
number

TC_11 Enter applicati 1. open the application Valid Full Pass

valid on 2. Click on Registration. full name is
full launch name correct
name should be
correct

TC_12 Enter applicati 1. Open the application Email Email ID Pass

email - on 2. Click on view score ID
ID of launch should be is
candida correct correct
te
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Samarth Polytechnic, Belhe Page 1

TC_13 Enter For 1. open the Date Date Pass

date Login application2. o
applicati 19/11/2002 of birth f
of birth on pag e should be birth
of is correct
candida available is correct
te
TC_14 Click applicati 1. Open the application choose valid Pass
other on 2. Click on view score . valid other
optio launch other option is
n option correct
TC_15 Enter applicati 1.open the application Pan card Pan card Pass
pan card on 2.Click on view score . number number is
number launch should be correct
of correct
candied

TC_16 Click Login Open the application applicati applicati Pass

view page on on
score i i
s s
opened opened
successf
ully
TC_17 Check Login 1 Click on view score Option is Option is Pass
whethe page availabl e opened
r OTP is successf
receive ully
db
y
your
mo.no
or not
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CHAPTER 7

Utility uses of Google pay

“Customers can use Google pay app to pay your postpaid and utility bills. You can use Google
pay app for the following:”

1. Recharging prepaid mobile number

2. Recharge data card and DTH

3. Send or request money from friends entering their number, name or VPA

4. Split bills between people

5. Check the bank account balance

6. Scan QR codes to pay

Key Drivers
The exponential growth of the digital payment sector is driven by multiple factors including

1. Convenience to pay

2. The ever-growing smartGoogle paynetration

3. Rise of non-banking payment institutions (payments bank, digital wallets,

etc.),4.Progressive regulatory policies

5.Increasing consumer readiness to the digital payment platform

The convenience to pay along with the availability of lucrative offers, are two key factors that
have been driving the growth of digital payments in India. This coupled with the increasing
smart Google pay netration is proving to be a boon for digital payments sector. India, currently,
has third largest internet user base in the world with 300 million users. 50 per cent of these users
are connected to internet through mobile only. These 150 million mobile only internets users
are playing a key role in the growth story of digital payments. The advent of next-generation
payment systems like payment banks, digital wallets and Bharat QR, is fueling digital payments
furthermore. It is projected that digital payments in India will supersede cash by 2022, according
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to the IDC Financial Insights report titled The Future of Payments in India: More Spectacular
Growth Ahead. Another key driver of digital payments is positive policy framework changes
and government initiatives like launch of new payments systems like - UPI, Aadhar linked
electronic payments and improvement of the digital infrastructure.
According to Consumer Payments Insights survey, India is one of the top markets to adopt
mobile wallets. Mobile wallet transactions in India have increased with a CAGR of 120% in the
last 5 years and is expected to grow to 32 billion transactions by 2021. One of the biggest reasons
for increase in digital wallet usage in India is demonetisation. The digital wallet platforms saw
a major boost in traffic after the demonetisation of major denominations
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Samarth Polytechnic, Belhe Page 14

Google pay BusinessModel

Components of a Business Model
The main components of a business model are Capabilities, Customer Value Proposition, Market
Segments, Revenue Model & Growth Model. Below is the basic analysis of components of

Analysis of Business Model using TEECE Framework

Complementary capabilities and Imitability are two main factors to be considered for making money
from invention or discovery.
TEECE Model takes these factors into consideration and predicts the profitability aspect from
innovations.
Google pay:
Complementary assets: Tightly held and important
Imitability: High
The services offered by Google pay like mobile recharge, paying bills of telephone, electricity and gas
are highly imitable. In fact, Paytm too offers similar services.
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CHAPTER 8

Digital Wallets in India:

Digital wallets are virtual wallets that store user’s payment information. With the increase in
internet penetration and smartphone usage in India, digital wallets ecosystem has seen major
changes in the last 5 years. Features of digital wallets like security from theft compared to
traditional currency and the ability to make transactions throughout the day, attracted a lot of
consumers to use digital wallets. A lot of fin-tech companies emerged, changing the digital
landscape of financial transactions in India, forcing other major players in the banking sector
to invest in digital wallets. “ Mobile wallet providers can be broadly classified into two types
viz., banking entities and nonbanking entities. Banking entities include major banks like ICICI,
Axis etc., whereas nonbanking entities include platforms like PayTm, Google pay etc., “
Digitalwallet market in fragmented and highly competitive with companies coming up with
new andinnovative offers to attract more customers. The timeline of major events in digital
walletecosystem in India is as follows:” Google pay: A Report COPYRIGHT © 2020
CENTRE FOR DIGITAL ECONOMY, IIM RAIPUR ALL RIGHTS RESERVED 3 Source:
cbinsights.com
According to Consumer Payments Insights survey, India is one o

About the Report

The digital payments sector in India is facing tectonic shifts. Entities with divergent business
models, subject to diverse regulations, are competing for a pie in the market share. This report
takes a stock of the existing business models in the digital payments sectors and reviews the
applicable regulatory framework to such business models. The objective is to ascertain if level
playing field exists for the market players in the sector to compete efficiently. The report takes
a step further and analyses reasons for lack of level playing field in the sector, highlights
adverse impacts of such situation on consumer welfare. The report concludes with providing
specific recommendations to level the playing field for leveraging the potential of digital
payments in the sector
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CHAPTER 9

Strategies to become profitable

The current revenue generation model of Google pay is based on Commissions. The digital payment
system is expanding exponentially with more number of people preferring digital payment systems over
traditional methods. Also, there is high customer loyalty in this ecosystem. Hence the focus of the
Digital wallets is currently on gaining market share through which they can collect the consumer data
to analyze the buying behavior and patterns of their customers.

Google pay can adopt the following strategies to generate profits:

Business services – Google pay can partner with businesses to provide them a platform for
hassle less transactions. Google pay should develop an ecosystem for business services where
they can earn commissions from the transactions performed. Google pay should target SME’s
for partnership and bring them aboard. Google pay can also create a premium segment where
they can also include additional services like paying on credit to premium customers and charge
premium for registration and additional interest for the credit provided.

Applications of Micro-Project
To confirm that the Google pay application is error or bug
free. This project is used to find out the defect.
To provide guideline on another application.
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CHAPTER 10
Conclusion

Google pay is a payment app that encompasses different aspects as well. One can book flight tickets
through online travel apps without installing the other app or moving out of Google pay App. This
increases the convenience of individuals. It is an all-in-one app. However, just like other payment
apps, it also comes with a maximum limit on the quantum of transactions that is possible through the app
in 24 hours. As you may not able to carry large transactions in a single day, it is important to note the
maximum amount that can be transferred through the Google pay app.
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ANNEXURE II

Evaluation Sheet for Micro Project

Academic Year :- 2022-23
Name of Faculty :- Thorat S.K

Course :- STE Course Code :- 22518 Semester :- V

Title of Project :- Payment method of g - pay

Cos addressed by the Micro Project :- 1..Identify SystemIdentificatin & designtestcases for
purpose order
management …………………………………………………………………………………
…………...
2Prepare test plan form identified mobile
Application .……………………………………………………………………………………………
…
3.Design test case for Google pay
method………………………………………………………………………………………………
4.………………………………………………………………………………………………

Major Learning Outcomes achieved by students by doing the project :-

Comments /suggestions about team work/leadership/inter-personal communication (if any)

……………………………………………………………………………………………………
…
……………………………………………………………………………………………………
…

Marks out of 6 Marks out of 4

for for
Roll
Student Name performance performance
No. Total Out
in group in oral / of 10

activity presentation

(D5 Col.8) (D5 Col.9)

17 Bangar Sarthak Santosh

Ms.Thorat S.K

(Name & Signature of Faculty)

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