Upi

Transcript

Committed to smart & safe Digital Banking A Presentation On Transition to Digital Banking (Cash less Transactions) OBJECTIVE Relax & Enjoy 1. To Make Participants Master Trainer 2. To create awareness on cash less transactions 3. Different Banking products available on cash less transaction 4. How to use these various products Five easy ways for cashless transactions 1.Aadhaar Enabled Payment System(AEPS) 2. USSD(Using feature phone) 3.Unified Payments Interface(UPI) 4.e-Wallets 5. Cards & Point of Sale(PoS) General Introduction 1.Person without Account 2.Person with account 3.Person with account(Having Aadhaar No) 4.Person with account(Having feature phone) 5.Person with account(Having smart phone) PERSON WITHOUT ACCOUNT Options Available 1.Prepaid Card (PoS, ATM, e-com) 2.Gift Card (PoS, e-com) Target Group :- Economically weaker section eg. Labourer / Tulavati etc and Students PERSON WITH ACCOUNT (without Mobile) 1. RuPay Debit Card (ATM/Micro-ATM, PoS) 2. NEFT/RTGS (Branch mode) Target Group :- Marginal farmers/BPL PERSON WITH ACCOUNT (With Aadhar no.) Aadhar Enable Payment System –AEPS (MicroATM, DBT eg. NREGA, Social welfare schemes, Subsidiary etc. ) Target Group :- Citizens living in Rural and semi-Urban areas, Laborers in Urban and Metro, illiterate citizens PERSON WITH ACCOUNT (With Feature Mobile) 1. USSD (Upto Rs. 5,000/-) 2. Net Banking (Upto Rs. 1 Crore) Target Group :- ALL Person with account (With Smart Phone) 1. UPI (Upto Rs 1 Lacs) 2. MOBILE BANKING (Amt. vary from Bank to bank) 3. E- WALLET (Upto Rs. 20,000/-) Pre-Paid Cards 1. Customer has to indent in advance to Bank Branch 2. It works like a Debit card 3. Presently No charges. Type of Cards 1. Re-Loadable (Top-Up) 2. Non-Re-Loadable (Gift cards-One Time) Variants of Pre-paid Cards 1. Closed loop Cards (Single purpose Card) 2. Semi- Open Cards ( For Purchase only eg. Smart Card ) Open Loop Cards (Purchase and Withdrawal eg. Debt Card) 3. AEPS Aadhar Enabled Payment System AEPS-Pre-Requisites 1. Aadhaar number and Bank Account 2. Aadhaar Number seeded with Account of customer. AEPS-Steps for Registration & Seeding Aadhar Number 1. Customer to submit photocopy of Aadhaar number with Bank Branch for registration. 2. Customer to submit consent form with BC/Branch for seeding Aadhaar number in account. 3. To check seeding dial *99*99# from registered mobile number with Bank. AEPS-Transaction (BC outlets using Micro-ATM) 1.Customer approaches BC for transaction 2.Enter Aadhaar Number in Micro ATM 3.Select type of service 4.Authenticate the transaction with Fingerprint 5.Transaction Processed and Print Receipt 6.SMS is also sent to registered mobile number 7.Micro ATM voice over the transaction VIDEO AEPS-Other Services 1. Balance Enquiry/Mini-Statement 2. Cash Withdrawal/ Deposit 3. Funds Transfer (Inter-operable) USSD Unstructured Supplementary Services Data USSD-Pre-Requisites 1. Both Sender and Beneficiary to have account with bank. 2. Both to have GSM mobile number linked to account. (Feature and Smart Phones Users) 3. Sender to Know its own MPIN (Fund Transfer) 4. MMID/IFSC Details of Beneficiary USSD-Steps for registration 1. Customer visits branch to link mobile number and bank account. This can also be done at ATM or online. 2. Customer gets Mobile Money Identifier (MMID) and Mobile PIN (MPIN) upon registration (eg. SMS “MMID” to 9967533228) VIDEO USSD-Other Services Non-Financial Transaction 1.Balance Enquiry 2.Mini Statement 3.Know MMID* (Mobile Money Identifier) 4.Generate MPIN 5.Change MPIN Value Added Services QSAM (Query Service on Aadhaar Mapper) or *99*99# UPI Unified Payments Interface Unified Payments Interface (UPI) 1. Provided By NPCI (Govt. of India) 2. All Banks are registered on this platform 3. Sender and Receiver need not to share Account Details 4. Only Handle Needs to be shared 5. Any bank account can be linked in any bank UPI App Unified Payments Interface (UPI)Pre-Requisites 1. Smartphone with internet facility 2. Bank Account & Debit Card details (only for registration) 3. Mobile number linked to account UPI : Steps for registration •Downloads the UPI application from the App Store •Granting Permissions •Sending SMS & Verifying Registered Mobile Number •Enter User Information •Set & Confirm 4 Digit Application Password •Creating Handle(Payment Address) 1. Enter Preferred Handle 2. Select the Bank 3. Enter last 6 Digits and Expiry Date(MMYY) of Debit Card 4. Enter OTP & MPIN CREATE VPA VIDEOS ON SEND MONEY COLLECT MONEY UPI : Services Offered Financial Transactions 1.Collect money or raise a demand for collection Non-Financial Transactions 1.Set/Change PIN 2.Check Transaction Status 3.Raise Dispute/ Raise query E-Wallet (Electronic Wallet) e-Wallets : Pre-Requisites 1. Smartphone 2. Data Connection 3. Wallet App (From respective App stores) e-Wallets : Process 1. Customer Downloads the App on smartphone. 2. Sign Up the app by providing personal details. 3. Set the PIN for transaction(Optional) 4. Load the e-wallet with money (Mainly Through Account, Cards) 5. Option available a. Transfer, (In & Out) b. Payment. c. Withdraw Cash PoS Point of Sale terminals PoS Device : Pre-Requisites – For Merchant 1. Current/OD/CC Account 2. Telephone Line / GPRS SIM PoS Device : Steps for Transaction 1. Swipe Card at PoS machine 2. Enter transaction amount in PoS 3. Enter PIN maintaining Confidentiality 4. Get Receipt of Transaction 5. Receive SMS containing details of transaction on your registered no Do’s 1. 2. 3. 4. Password complexity & length Change of password on regular interval Register Mobile for SMS alerts. Block you Card immediately if stolen or Inform your Bank 5. Review a/c statement regularly Don’ts 1. Do not part away with PIN/MPIN/TPIN or any other password details to anyone. 2. Do not disclose your Debit/Credit Card no and CVV. 3. Do not share personal details with Merchants 4. Do not reply to unsolicited emails and pop ads. 5. Don’t use public computers for transactions you are not familiar with. 6. Don’t post personal details on social media. USSD( *99#) *99# : Supported Languages *99# : Dialing USSD Code In Case of Dual SIM Handsets : Select the Appropriate Mobile No Registered with Account *99# : Banks Short Names and IFSC Codes *99# : Banks Short Names and IFSC Codes *99# : Services Offered Select option 1 and Send. Account Balance displayed. *99# : Dialing USSD Code In Case of Dual SIM Handsets : Select the Appropriate Mobile No Registered with Account *99# : Banks Short Names and IFSC Codes *99# : Banks Short Names and IFSC Codes *99# : Mini Stmt Select option 2 and Send. *99# : Mini Statement Last 5 Transactions displayed. *99# : Send Money Select option 3 and Send. *99# :Send Money Using MMID Enter Beneficiary 10 Digit Mobile No and Send *99# :Send Money Using MMID Enter Beneficiary 7 Digit MMID Code and Send *99# :Send Money Using MMID Enter Amount to Transfer and Send (Remarks is Optional) *99# : Send Money Using MMID Enter 4 Digit MPIN and Send *99# : Send Money Using MMID Successful Fund Tranfer *99# : Send Money Using IFSC Select option 4 and Send. *99# : Send Money Using IFSC Enter Beneficiary 11 Digit IFSC *99# : Send Money Using IFSC Enter Beneficiary Account No *99# : Send Money Using IFSC Enter Amount to Transfer and Send (Remark is Optional) *99# : Send Money Using IFSC Enter 4 Digit MPIN and Send *99# : Send Money Using IFSC Transaction Details Displayed *99# : Send Money Using IFSC Select option 6 and Send. *99# : Send Money Using IFSC MMID Displayed *99# : Option 7 : MPIN After Selectin g Option 7(MPIN), *99# : Send Money Using IFSC Enter Last 6Digit of Debit Card No and Expiry Date(MMYY) separated with single space *99# : Send Money Using IFSC Enter Old MPIN And Change MPIN *99*99# : Know Aadhaar Linking Status Dial *99*99# Enter 1 and Send *99*99# : Know Aadhaar Linking Status Enter 12 Digit Aadhaar No and Send *99*99# : Know Aadhaar Linking Status To Confirm Aadhaar No Enter 1 and Send *99*99# : Know Aadhaar Linking Status Bank Name and Date of Linking Displayed UPI : Unified Payment Interface Install APP From Play Store UPI : Unified Payment Interface Launch Application UPI : Unified Payment Interface Permission Allow SMS GPS and Phone Call For Safety Measure UPI : Registration Send SMS from Registered Mobile UPI : Registration Sending SMS UPI : Registration Verify Mobile No and Proceed UPI : Registration Enter User Information UPI : Registration Set 4 Digit Application Password UPI : Registration Confirm 4 Digit Application Password UPI : Creating Payment Address Home Screen UPI : Creating Payment Address Payment Address UPI : Creating Payment Address Select Bank UPI : Unified Payment Interface Select Account (SB/CD/OD only) UPI : Unified Payment Interface Enter last 6 digit & expiry date of DCard UPI : Unified Payment Interface Enter OTP and MPIN UPI : Unified Payment Interface Successful creation of Payment Address UPI : Fund transfer Select Send UPI : Fund transfer Fund Tranfer UPI : Fund transfer Add payee details & Submit UPI : Fund transfer Enter remarks & transfer UPI : Fund transfer Enter 4 digit Mpin UPI : Fund transfer Fund transfer Successful UPI : Transaction History Cent UPI: Home Screen UPI : Unified Payment Interface Transaction History UPI : Receiving Money Cent UPI: Home Screen UPI : Receiving Money Receiving money eg. Rent etc. UPI : Receiving Money Confirmation for Requesting money UPI : Receiving Money Successful requesting for money UPI : Unified Payment Interface Cent UPI: Other Features Micro ATM vs ATM • Operated By BC • • AEPS / Rupay enabled Portable Unbanked/ UnderBanked Areas • • • • • • Operated By Card Holder AEPS Yet to Come Not Portable For Everyone Mobile number Registration etc. Debit Card vs Credit Card • Debit Card linked to Account • Not Mandatory to have an account • Mainly Used to withdraw money • • Interest on Deposit amount • Mainly Used for online shopping & PoS Interest free credit limit Thank you