State Bank MobiCash: USER Manual

Transcription

1 State Bank MobiCash: USER Manual 1. Mobile Wallet Registration Process: a) Self Registration for Nil KYC Wallet For Feature/Basic Phones The user will send SMS <SBMCSMS*DOB(DDMMYY)*NAME*NICKNAME> to For Smart Phones i. The self registration will be done through the respective channel through which the customer intends to avail Mobile Wallet (mwallet) services. Customers who intend to use application based service will use application to initiate -request for registration. ii. User will enter mobile number, name, date of birth and nickname while initiating request for registration. iii. An SMS notification to Customer intimating creation of wallet and also advising to read and accept T&Cs will be sent. After that default MPIN will be generated and sent, via SMS, which has to be changed for the wallet to be activated. b) Acceptance of Terms and Conditions: i. Customer has to accept Terms & Conditions prior to change of default MPIN. ii. No transactions other than PIN change and Reset MPIN will be permitted till the default MPIN is changed. iii. If T&C are not accepted by the customer within 3 days, suitably worded SMS would be sent to the customers, once in every three days, starting from the third day of the initial request for the wallet. If T&Cs are not accepted within 15 days, wallet shall be closed. iv. On expiry of 15 days, customer has to initiate a new request for creation of wallet. c) Registration at Customer Service Point (CSP) for full KYC Wallet: i. Customer will first enrol for NIL KYC wallet. ii. Customer will submit the wallet Account Opening Form (AOF) duly filled in and signed, along with copies of the required KYC documents to a BSNL CSP, for upgrading to Full KYC wallet. iii. CSP will be linked to a nearest branch of SBI for the purpose of carrying out KYC for customers. iv. AOF will provide for entering Aadhar number to capture the same as a priority document for the purpose. v. The CSP will check the documents and if found in order, he will enter the details through the interface provided to him. A reference number will be generated which will be written on the AOF.

2 vi. vii. The customer has to go to the Branch linked to the CSP to show the originals for verification by designated official of the Bank. If a customer wants to change his mobile number, he will have to close the existing wallet and open a new one repeating the above procedure. d) Channel restrictions: Customer will be automatically bound to the channel through which the user has registered for mwallet services. Channel may be changed by contacting SBI- Contact Centre. 2. Top up of Mobile Wallet at BSNL CSP by depositing cash i. Customer approaches CSP for topping up the Mobile Wallet and provides his mobile number and amount. ii. SMS notification will be sent to the customer for transaction details like amount credited, balance, etc. CSP will also be notified. 3. OTP for Cash Withdrawal (EVO Exact Value OTP): a. Customer will obtain OTP (six digit numerical) for SMS mode of wallet by sending SMS MOBIGETCASH*AMOUNT*Mpin. For Mobile Wallet application the navigation is as follows : MobiCash application > Generate OTP>Cash-Out> Enter the amount > enter MPIN and submit. b. The source mobile number and mpin will be validated, and an OTP will be sent to customer s mobile number. i. OTP thus obtained will be valid for 1 hours and can be consumed for cash withdrawal and for exact value only. ii. There can be only one active OTP for cash withdrawal at any point of time. iii. In case customer requests for another OTP of same value within the validity period of 1 hour, the same OTP will be resent. If the requested OTP differs in value, the request will be declined. c. Customer will receive notification in case the request fails. Unsuccessful usage of OTP will be restricted to three times. d. After obtaining OTP, the customer will go to a CSP and provide his mobile number, OTP and amount to be withdrawn. The customer will be notified through SMS with transaction details like the amount withdrawn, balance, etc. In case of unsuccessful transactions, the customer and CSP will be notified. 4. OTP for Other Transactions (LBO Limit Based OTP): a. Customer will obtain OTP (six digit numerical) for SMS mode of wallet by sending SMS MOBIGETOTP*AMOUNT*Mpin. For Mobile Wallet application as under : Generate OTP>Other> Enter the amount > enter MPIN and submit.

3 b. The source mobile number and mpin will be validated, and an OTP will be sent to customer s mobile number. i. OTP thus obtained will be valid for 1 hour and can be consumed for any transaction other than cash withdrawal and for any value up to the amount entered while generating OTP. ii. There can be only one active Limit Based OTP for payments at any point of time. iii. In case customer requests for another OTP of same value within the validity period of 1 hour, the same OTP will be resent. If the requested OTP differs in value, the request will be declined. iv. Customer will receive notification in case the request fails. c. Unsuccessful usage of OTP will be restricted to three times. 5. Remittance : a) Wallet to Wallet through Application : Under Transfer > Wallet to Wallet option, the customer will enter the beneficiary s wallet number (mobile number), amount to be transferred and MPIN. Both the remitter and beneficiary will be notified along with the transaction details. In case of unsuccessful transactions, customer will receive the failure notification For transfer through SMS mode of wallet:- MOBISEND*BeneficiaryMobileNo* BeneficiaryMobileNo*Amount*MPin b) Wallet to Wallet at CSP: Fund transfer between two wallets at BSNL CSP will involve two steps: i. Obtain OTP ii. Transfer funds i. Obtain OTP: Refer section 4 above. ii. Transfer funds : After obtaining OTP, the customer will go to a BSNL CSP and provide his mobile number, beneficiary s wallet number (mobile number), OTP and amount to be transferred. CSP will enter the above details in its interface and submit the request. Beneficiary s wallet number (mobile number), OTP and amount will be validated and if found correct, the request will be processed. c) Wallet to Other Bank account through Application using MMID option : Under Transfer > Wallet to Bank (IMPS) option, the customer will enter the MMID (Mobile Money Identifier) of the beneficiary, mobile number of the beneficiary, amount to be transferred and MPIN. For SMS mode of wallet following SMS is to be sent :- MOBISENDMMID*BeneficiaryMobileNo*MMID*MMID*Amount*MPin

4 The remitter and the beneficiary will be notified with transaction details e.g. transfer amount, current balance, etc. In case of unsuccessful transactions, customer will receive the failure notification. d) Wallet to Other Bank account using MMID at CSP: Fund transfer from Wallet to Other Bank account at BSNL CSP will involve two steps: i. Obtain OTP ii. Transfer funds i. Obtain OTP : already described above ii. Transfer funds: After obtaining OTP, the customer will go to a BSNL CSP and provide his mobile number, MMID (Mobile Money Identifier) of the beneficiary, mobile number of the beneficiary, OTP and amount to be transferred. CSP will enter the above details in its interface and submit the request to process. Beneficiary s wallet number (mobile number), MMID, OTP and amount will be validated and if found correct, the request will be processed. e) Wallet to Other Bank account through IFSC : Under Transfer > Wallet to other Bank (IFSC) option, the customer will enter the Account number of the beneficiary, IFSC (first four letters) of the beneficiary bank, amount to be transferred and MPIN. For SMS mode of wallet following SMS is to be sent:- MOBISENDIFSC*BeneficiaryBankA/cNo.*BeneficiaryBankA/cNo.*FirstFourDigitsofIFSC Code*Amount*MPIN The remitter and the beneficiary will be notified with transaction details e.g. transfer amount, current balance, etc. In case of unsuccessful transactions, customer will receive the failure notification. f) Wallet to Other Bank account through IFSC at CSP: Fund transfer from Wallet to Other Bank account at BSNL CSP will involve two steps: i. Obtain OTP ii. Transfer funds i. Obtain OTP : As described above. ii. Transfer funds: After obtaining OTP, the customer will go to a BSNL CSP and provide his mobile number, account number of the beneficiary, IFSC of the beneficiary bank, OTP and amount to be transferred. CSP will enter the above details in the interface and submit the request. Rest of the process same as above for MMID option at CSP.

5 g) Wallet to SBI Accounts through Application: Under Transfer > Wallet to SBI Account option, the customer will enter the account number of the beneficiary, amount to be transferred and MPIN. For SMS mode of wallet following SMS is to be sent:- MOBISENDSBI*BeneficiarySBIA/cNo* BeneficiarySBIA/cNo *Amount*Mpin The remitter and the beneficiary will be notified with transaction details e.g. transfer amount, current balance, etc. In case of unsuccessful transactions, customer will receive the failure notification. h) Wallet to SBI Accounts at CSP : Fund transfer from wallet to SBI Account at BSNL CSP will involve two steps: i. Obtain OTP ii. Transfer funds i. Obtain OTP: already described above ii. Transfer funds: After obtaining OTP, the customer will go to a BSNL CSP and provide his mobile number, SBI account number of the beneficiary, amount to be transferred and OTP. CSP will enter the above details in the interface and submit the request. Rest of the process same as above for MMID option at CSP. 6. Balance Inquiry/ Mini Statement ( last 5 transactions) i. Customer will select the appropriate icon in the Application under My Account option and will provide mpin for banance enquiry and mini-statement. For SMS mode of wallet following SMS is to be sent to receive details in sms:- Balance Enquiry: MOBIBAL*MPin Mini Statement: MOBIMINI*MPin 7. Bill payment (only BSNL Landline and Post paid connections) i. Customer will select Bill pay icon in app and will select BSNL landline or Mobile (for postpaid) as required. Customer will provide postpaid/landline no., account number, amount and mpin. It will display the Bill details which will be confirmed by the customer. ii. For SMS mode of wallet following SMS is to be sent a) MOBIPAY*Operator*BiII_Type*Billnum *MobileNo/customer* Amount* Mpin* Cust_Account_No b) After validation of above SMS, customer will receive bill details on mobile and a Transaction Id. Customer will send following SMS for payment CONFIRMMOBIPAY* Transaction ID* Mpin

6 8. BSNL Mobile Top-up/ Recharge Customer will select Recharge option in the app. Customer will select Top-up or Special (for special offers) as required and enters the mobile number and mpin. Then confirms the transaction. For SMS mode of wallet following SMS is to be sent: MOBIRECHARGE*operator *MobileNo *amount*mpin* recharge_type 9. MPIN Change Customer will select My Account>Change mpin, and provide the old MPIN, new MPIN and submit the request. For SMS mode of wallet following SMS is to be sent: MOBIRECHARGE*operator *MobileNo *amount*mpin* recharge_type 10. Closure of wallet(non KYC) Before closing a wallet, the customer must withdraw/ transfer the entire balance in the wallet. Thereafter, the wallet can be closed by sending SMS CLOSESBMC*MPIN to the designated number. 11. Handling of MPIN If the customer enters wrong MPIN for three consecutive times, his Mobile Wallet will be locked for 24 hours. After two such consecutive blockages, the customer has to reset his Mobile Wallet MPIN through Contact Centre before using the service. 12. Generation of new MPIN/ Reset MPIN Option 1: The customer can use the self reset option (MOBIRESET) from the registered handset/ mobile number and request for new MPIN generation. Customer will enter the mobile no., DOB, nickname chosen at the time of registration. In case the customer enters wrong nickname for three consecutive times, he/she will have to call SBI Contact Centre and request for reset of MPIN Option 2: The Customer contacts State Bank Contact Centre and request for new MPIN generation. The Customer care executive will access the Bank wallet interface and will ask the customer for the following details : All questions will be mandatory a. The Mobile number on which Mobile wallet is issued. b. Name given while registering

7 c. Date of birth d. Number of ID document / nickname Customer care executive after confirming the details will initiate the request for resetting MPIN. The default MPIN has to be changed before use. 13. Re-activation of suspended/dormant wallet If the wallet is not used for 6 months, the account will be treated as suspended/dormant. If the account remains dormant for one year, the customer will be notified through SMS 15 days prior to the validity period and the money will be forfeited and would be kept in the settlement account. The suspended/dormant wallet account may be re-activated through State Bank Contact Centre. The Customer will call up State Bank Contact Centre and request for activation of the Wallet. Contact Centre executive will ask the customer for the following details: All questions will be mandatory a. The Mobile number on which Mobile wallet is issued. b. Name given in the application for wallet c. Date of birth d. Number of ID document /nickname Contact Centre executive, after confirming the details, will initiate request for activation. SMS notification is sent to the customer. 14. BSNL Subscribers BSNL subscribers can register and transact through USSD mode, for which they need to dial *511#. 15. Customer Care The wallet holder may call on Customer Care Number of SBI Contact Centre or (Toll free) or regarding any information, feedback, query or complaint.

8 List of SMS KEYWORDS (To be sent at ) Transaction SMS Text Wallet Activation 1 Registration SBMCSMS*DOB(DDMMYY)*NAME*NICKNAME 2 Accept T&C TNCACCEPT 3 MODIFY Subscriber- Self Initiated SUBSUPDATE* *NICKNAME*MPIN MPIN related 4 Change MPIN MOBIPIN*Old MPin*New MPin*Confirm New MPin 5 Reset MPIN MOBIRESET*DATEOFBIRTH(DDMMYY)*NICKNAME Transaction 6 Balance Enquiry MOBIBAL*MPin 7 Mini Statement (last Five Trx) MOBIMINI*MPin 8 9 Fund Transfer - Wallet to Wallet Fund Transfer - Wallet to SBI Account MOBISEND*BeneficiaryMobileNo* BeneficiaryMobileNo*Amount*MPin MOBISENDSBI*BeneficiarySBIBANKACCOUNTNo*Bene ficiarysbiaccountno*amount*mpin 10 Fund Transfer using IMPS MOBISENDMMID*BeneficiaryMobileNo*MMID*MMID*A mount*mpin 11 Fund Transfer Using IFSC MOBISENDIFSC*BeneficiaryBankAccountNumber* BeneficiaryBankAccountNumber*FirstFourDigitsofIF SCCode*Amount*MPIN 12 Mobile Top up MOBIRECHARGE*Operator*MobileNo*Amount*Mpin 13 Bill Payment MOBIPAY*Operator*Bill_Type*Billnum*MobileNo/cus tomer*amount*mpin 14 Confirm Bill Payment CONFIRMMOBIPAY* Transaction ID* Mpin 15 OTP generation for cash out MOBIGETCASH*AMOUNT*Mpin 16 OTP generation for other transactions MOBIGETOTP*AMOUNT*Mpin 17 Close Wallet CLOSESBMC*MPIN SMS: Users can initiate transactions by entering plain text SMS messages from their mobile phones.