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

2. 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

3. 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

4. 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)

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

6. 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.

7. 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

8. SBI – MMID Registration
MBSREG (SMS that text )
User id and MPIN will come to Inbox
Change SMPIN
SMPIN Userid MPIN MPIN( SMS this text to )
MPIN Accepted Successfully
SACCEPT user id MPIN( SMS this text to )
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 )

9. SBI Money Transfer Process
IMPS MobileNumber MMID Amount user id MPIN Purpose
Ex: IMPS 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

10. 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

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

12. Internet Banking Login to www. onlinesbi
Internet Banking Login to 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

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

22. Smart Mobile Applications
E- Wallets
Ex: Paytm Process
Smart Mobile Applications
Download paytm from play store
Through APPs
Signup paytm by Providing name, 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

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

24. 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 s asking for money or any other type of personal information.
Do not trust any fake websites. The official website of RBI is at
Do not trust fictitious offers of large sum of money/lottery winnings by or SMS or through phone calls by posing as RBI official.

25. 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

26. 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, s 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

27. 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.