on Cashless Transactions Training/Awareness on Cashless Transactions SPSR Nellore District By P. Chenchu Reddy

Abbreviations UPI: Unified Payment Interface USSD: Unstructured Supplementary Service Data NEFT: National Electronic Funds Transfer RTGS: Real Time Gross Settlement IMPS : Immediate Payment Services MPIN : mean the Personal Identification MMID : Mobile Money Identifier

Why Cashless transaction? To avoid risk in carrying bundles of currency Lot of time saving User can make transactions at his own time and place No need to stand in long Q’s in banks 24X7 user can do transactions Good security Speedy transactions Can see transactions from his home/ Mobile

The most prominent smart banking facilities are: i) EPOS Machine ( for card based payments) ii) SMS Banking (For feature phones) iii) Internet Banking (for computers) iv) Through App (Requires Smart Phone)

CASH LESS TRANSACTION P.O.S. Online Banking Mobile FEATURE MOBILES SMART MOBILES Bank Mobile Phone Applications E - Wallets USSD

Transfer funds to the merchant. ePOS Machine( for card based payments) Insert/swipe the credit/debit card Enter the pin number Enter the amount Transfer funds to the merchant.

SMS Banking: FEATURE MOBILES Subscribers to dial *99# Type 3 letters of bank short name / First 4 letters of Bank IFSC / 2 Digit bank Numeric Code Select Option (Account Balance- Mini Stmt- Send Money using MMID- Send Money Using IFSC- Generate MPIN) Enter Beneficiary Phone number Enter Amount Enter MPIN Confirmation

SBI – MMID Registration MBSREG (SMS that text 9223440000) User id and MPIN will come to Inbox Change SMPIN SMPIN Userid MPIN MPIN( SMS this text to 9223440000 ) MPIN Accepted Successfully SACCEPT user id MPIN( SMS this text to 9223440000) Request has been successful Register With Branch (Bank/Internet/ATM) (Visit the Bank give your Usreid and mobile Number) (logon to sbi e-Services SBI Freedom Register enter userid and Mobile number you will get sms of MMID Note : SMPIN Userid MPIN(Old ) MPIN(Type New )

SBI Money Transfer Process IMPS MobileNumber MMID Amount user id MPIN Purpose Ex: IMPS 9989930761 MMID 1000 user id MPIN Purpose Mobile Number and MMID belonging to receiver User id and MPIN belonging to Sender Space between words is as same mentioned in the model

Benefits Accessible through common code *99# across all Telecom Service Providers. Works across all GSM mobile handsets No application installation required on the mobile handset and the service also has interactive menu Round the clock availability (functional even on holidays) Provides variety of Banking and Value added service GPRS is not required works only on voice connectivity Additional channel for banking and a Key catalyst for spreading financial inclusion reach No additional charges while roaming

Internet banking Requirements Computer or Smart phone or Ipad Internet facility Net banking User ID and Password (Neb banking Kit) or credit / Debit card

Internet Banking Login to www. onlinesbi Internet Banking Login to www.onlinesbi.com Go to Payments & Transfer and click on Funds Transfer Select Transfer Funds to Other Bank Accounts Select Payee from the list of registered Payees Enter details like Transaction amount, Transaction remarks Enter Your ATM/Debit Card Grid value Your Transaction gets completed and your payment confirmation number will be displayed on the Screen

Smart Mobile Applications Through APPs E- Wallets State Bank any where BOI BTM I mobile

Smart Mobile Applications E- Wallets Ex: Paytm Process Smart Mobile Applications Download paytm from play store Through APPs Signup paytm by Providing name, email id, phone number & OTP Add money to your paytm account Click pay option on right top of the app. Scan the code of the merchant Enter the amount to pay. your transaction is successful

CITRUS PAY, mRUPEE, FREE CHARGE, AIRTEL MONEY, IKAAZ, VODAFONE m-PESA Wallets CITRUS PAY, mRUPEE, FREE CHARGE, AIRTEL MONEY, IKAAZ, VODAFONE m-PESA

Reserve Bank of India Guidelines Do not disclose any account information(Account number, Credit/Debit card number, PIN, Phone Number) via unsolicited phone calls or emails asking for money or any other type of personal information. Do not trust any fake websites. The official website of RBI is at https://rbi.org.in Do not trust fictitious offers of large sum of money/lottery winnings by email or SMS or through phone calls by posing as RBI official.

The Reserve Bank does not have any mobile app with the title 'All Bank Balance Enquiry No'. Do not trust Multi-level Marketing (MLM) activities. RBI does not carry out any business with an individual, whether through savings any type of bank account,/ card/ online banking services or receiving and holding funds in foreign exchange or any other form of banking services Register a complaint with the local police/cyber crime authorities when you receive fictitious offers of money from abroad or if they are victims of such offers

Safe way to transact using mobile/Internet for banking Use official apps Download and use app only from Google play store for android phones Download and use app only from App store for ios phones. Don't click on malicious links Don’t click on suspicious links that you get in whatsapp, facebook, E-mails and SMS etc., mentioning offers and Cash benefits. If you click on the link, they will steal Your passwords and other important information. Visit only secure and verified web sites

Login to only the official website, provided by the banks along with Internet banking details. Perform a transaction in web site only if it begins with ‘https’. Please see if there is a green lock symbol before it and proceed with the transaction Use social media judiciously Please do not post your personal, location and other private information on any social media. Be ware of unsolicited calls Never reveal any personal information to unknown people through phone or mail.