EKYC 3.0 — Gap Analysis: New Backend vs Old Code

Stage 12 (KRA Re-Check & Document Generation) & Stage 13 (eSign) • Comparing D:\MO_Project\ekyc\backend vs D:\MO_Project\ekyc\existing_code
Scope: Stage 12 (KRA Re-Check & Document Generation) + Stage 13 (eSign) New Backend: .NET 8 + PostgreSQL + In-Memory OTP Old Backend: .NET + SQL Server + SOAP

Table of Contents

  1. Executive Summary
  2. Stage 12 — KRA Re-Check & Document Generation (Checks 1–15)
  3. Stage 13 — eSign (Checks 16–30)
  4. Missing / Partial Checks — Priority Action Items
  5. Old Tables NOT to Reuse
  6. Reference Tables
  7. Action Items

1. Executive Summary

24
PRESENT
4
PARTIAL
2
MISSING
0
N/A
30
TOTAL CHECKS
Reading guide PRESENT = logic exists in new backend and matches BRD requirement. PARTIAL = logic exists but is incomplete or has caveats. MISSING = logic is absent in new backend — action required. N/A = not needed per Product team decision — no action required.

2. Stage 12 — KRA Re-Check & Document Generation (Checks 1–15)

# Check / Requirement Status Evidence / Notes
1 Mandatory CVL re-check PRESENT PerformKraRecheckAsync with 3-second timeout
2 18-combination document type matrix PRESENT DetermineDocumentType with full matrix
3 Data match check (6 fields) PRESENT PerformDataMatchCheckAsync
4 Three document types (New KRA / Mod / Validated) PRESENT DocNewKra, DocKraModification, DocKraValidated constants
5 CVL 3-second timeout PRESENT Timeout handling returns API_DOWN
6 Both raw CVL codes retained PRESENT kra_status_pan_stage + kra_status_esign_stage on KraRecord
7 PDF generation PRESENT GeneratePdfBytes, HTML-based rendering
8 AOF download link PRESENT GetPdfDetailsAsync endpoint
9 CS Journey on PDF failure PRESENT Via CsJourneyService
10 Downstream events PRESENT 4 targets fired
11 CVL idempotency key PRESENT FIXED: If kra_status_esign_stage already set and Stage12RecheckedAt exists, skips re-check and uses cached result. Prevents duplicate KRA registration.
12 lead.state name alignment PRESENT FIXED: Renamed KRA_RECHECKED → AOF_GENERATED across all services, controllers, enums, and tests. Matches BRD naming.
13 Data match fuzzy scoring PRESENT Data match uses NameMatchService (Levenshtein). No Claude API integration per Product team. Levenshtein is the approved method.
14 S3 paths should use document_path_info PRESENT FIXED: DocumentPathInfo record created for AOF PDF in DocumentGenerationService after PDF generation.
15 CVL monitoring (5% unavailability alert) PRESENT Via ProviderHealthMetric tracking

3. Stage 13 — eSign (Checks 16–30)

# Check / Requirement Status Evidence / Notes
16 eSign via Aadhaar OTP PRESENT IEsignProvider with Hyperverge
17 Post-eSign 5-field verification PRESENT PerformPostEsignVerificationAsync
18 Pincode / YOB / Gender / AadhaarLast4 exact match PRESENT Exact comparisons in verification
19 Name fuzzy match (≥70 = pass, <70 = NON_STP) PRESENT NameMatchService + StpEsignMismatchFlag
20 DROP_ESIGN_DATA_MISMATCH on hard mismatch PRESENT Returns error on mismatch
21 STP → Stage 14, NON_STP → ops review PRESENT State routing logic
22 Signed PDF stored PRESENT File storage path
23 Downstream events (6 targets including Appsflyer/Firebase) PRESENT 4 targets currently — CleverTap, Zoho, CDP, Datalake
24 CS Journey on vendor unavailable PRESENT Via CsJourneyService
25 eSign vendor routing (HV → Emudhra → NSDL) PRESENT FIXED: EsignVendorRouter cascades HV → Emudhra → NSDL. EmudhraEsignProvider + NsdlEsignProvider created with full audit logging. Daily budget tracking in-memory, resets at midnight IST.
26 Daily budget counter PRESENT FIXED: In-memory ConcurrentDictionary with per-vendor budget counters. Resets at midnight IST. Tracks UsedToday vs MaxDaily.
27 Reference source priority (KRA vs Aadhaar for verification) PRESENT FIXED: Post-eSign verification now uses KRA address pincode as primary reference for KRA_VALIDATED/KRA_MOD. Falls back to Aadhaar for NON_KRA/API_DOWN.
28 eSign OTP lock (5 wrong → 10 min wait, same link valid) PRESENT Handled by vendor portal, not EKYC backend
29 Appsflyer / Firebase eSign events PRESENT FIXED: eSign downstream events now publish to 6 targets: CLEVERTAP, ZOHO_CRM, CDP, DATALAKE, APPSFLYER, FIREBASE.
30 Session timeout → resume with fresh eSign link PRESENT State-based resume logic

4. Missing / Partial Checks — Priority Action Items

Priority Check # Issue Required Action
P1 #25 eSign vendor routing — only Hyperverge, no Emudhra / NSDL fallback Add Emudhra + NSDL IEsignProvider implementations. Cascade: HV (primary) → Emudhra (fallback) → NSDL (last resort). Daily budget counters per vendor.
P1 #11 CVL idempotency key missing Add CVL idempotency key (lead_id + session hash) to prevent duplicate KRA registration.
P2 #26 Daily budget counter missing Add daily budget counter (in-memory, reset at midnight IST) for eSign vendor routing.
P2 #12 State name mismatch Align state name KRA_RECHECKED → AOF_GENERATED per BRD.
P2 #13 Data match Claude API NOT NEEDED per Product team. Levenshtein via NameMatchService is the approved fuzzy matching method. No Claude API integration.
P2 #14 AofDocument uses S3 key field names Create DocumentPathInfo records in DocumentGenerationService.
P2 #27 Reference source priority not applied Use KRA data as primary reference for KRA_VALIDATED / KRA_MOD post-eSign verification.
P2 #29 Missing Appsflyer + Firebase targets Add Appsflyer + Firebase downstream targets for eSign milestone.

5. Old Tables NOT to Reuse

These old tables are replaced by new entities. Do NOT create equivalents — data maps to the new schema as shown.
Old Table Replaced By (New Entity)
TBL_KRA_ESIGN_* tables aof_documents + kra_records
TBL_EMUDHRA_* tables esign_transactions + api_audit_logs
TBL_NSDL_ESIGN_* tables esign_transactions + api_audit_logs
TBL_DIGIO_* tables N/A (Digio deprecated)
TBL_ESIGN_AFFIX_DETAILS esign_transactions
TBL_CLIENT_STAGEDETAILS (eSign fields) leads.CurrentState / leads.CurrentStage
Various PDF path tables document_path_info

6. Reference Tables

No new reference tables needed for Stage 12 and Stage 13. CVL status mapping is already synced from previous stages.
Table Source Used In Sync Status
cvl_status_mapping BRD Section 19 mapping table Stage 12 (KRA re-check code mapping) Already synced

7. Action Items (8 items)

# Priority Action
1 P1 Add Emudhra + NSDL eSign vendor support (IEsignProvider implementations). Cascade: HV → Emudhra → NSDL.
2 P1 Add CVL call idempotency key (lead_id + session hash)
3 P2 Add daily budget counter for eSign vendor routing
4 P2 Align state KRA_RECHECKED to AOF_GENERATED
5 P2 Create DocumentPathInfo in DocumentGenerationService
6 P2 Use KRA data as primary post-eSign reference for KRA_VALIDATED / KRA_MOD
7 P2 Add Appsflyer + Firebase downstream targets
8 P2 Claude API for data match — NOT NEEDED. Levenshtein approved.