Thursday, August 12, 2010

Settings and GPRS activation through SMS

Airtel - Prepaid Send SMS as ALL to 543210, then VBC ACTV to 222 Postpaid - GPRSACT 511
Vodafone - Prepaid VL 52586 ACT VL 144 PostpaidVL 111
Reliance GSM - ALL 55100 Postpaid - No Separate Activation Required
BSNL - GPRS PRE 53733 Postpaid - Submit Written Request to a local BSNL Center
MTS NO GPRS YET
TATA Docomo - INTERNET 52270 First recharge with a special EVD for Rs.15 and then select DOCOMO internet APN through the internet browser on their handset
Idea - GPRS 4666 FRESH 4666
AIRCEL WAP 121 Buy pocket Internet Cards and recharge it. postpaid - Fill GPRS Enrollment form at AIRCEL Cellcity
UNINOR Automatic GPRS settings provided on inserting SIM. For more details, SMS "ALL" to toll free number 58355

MOBILE BANKING : SOME PRECAUTIONS

Please memorize your User ID and delete SMS containing the information.

After receiving the SMS with User ID and default MPIN, immediately log on to Mobile Banking and change your default M-PIN

Please don't disclose your User ID and MPIN to anyone.

Please change your MPIN at regular intervals

Please don't use obvious passwords (like name, date of birth, etc.).

SOME FACTS YOU MAY NEED TO KNOW ABOUT MOBILE

• To check Model no. of Nokia Handset- *#0000#.
• To check Model no. of Sony Ericsson Handset - press down the button available on the right hand side rim, which we normally use to decrease volume..
• To check Model no. of Samsung Handset- Just switch off the phone and switch it on again.
• Normally, model no. can be found inside the handset if you remove battery. .
• To protect phone from misuse due to theft-dial *#06# you will get a 16 digit no. Note that down. If you lost your mobile just call service provider n tells him this no. to block, then nobody else will able to use your cell phone.
• To save your mobile battery go to setting change brightness then your battery life will increase.
• User ID is alpha numeric & case sensitive. In order to change case you may use the # or * buttons on your handset (as applicable to your handset) to change the case. You may need to press # button for long Change case can be viewed on the top of the mobile screen.
• If you are trying to transfer MBS application, but not able to see Bluetooth device then check visibility of Bluetooth in customers’ handset. It may HIDDEN, change that in to shown to all mode.
• If while transferring application you get an error message “device full” then go to Bluetooth settings of your mobile handset and delete some devices.
• If while transferring application customer asks for pass key or pass code then tell him to enter any no.(e.g.12) then you also need to enter same no. in your handset.
• For BlackBerry handsets, please use menu button or Alt+ menu button to get the State Bank Freedom menu prompt.
• For MicroMax Q3 (Qwerty pad), basic application works
• In the case of HTC mobiles, you need to change to GPRS immediately on downloading the application.
• IPhones do not support external softwares. For IPhones, please use Mobile Banking Service through WAP (Wireless Application Protocol).
• For duel SIM handsets, please use first SIM of handset for Mobile Banking Service.
• If you do not find specific mbs application as per your mobile make ,you may download generic version (any phone) of MBS application, suitable for most of the mobiles other than touch phones, windows based, qwerty pads, blackberry etc.
• It is advisable to off automatic key guard if user is accessing Mobile Banking Service over USSD. It will prevent the unwanted cancellation of sessions. Sometimes, when we use MBS over USSD, we cancel sessions unwillingly when we try to unlock key guard.

Process of Usage of Mobile Banking Service over WAP

Registration Process

The registration process will be the same as for application-based service i.e. in two phases – over ATM/ branch and over mobile phone. The process over mobile phone, though essentially same as detailed above under “Change MPIN” will be done through the Browser of the mobile phone.

The procedure is described below:

a) Send a SMS MBSREG to 567676
b) User ID and default MPIN will be received over SMS
c) Open the browser of the mobile phone
d) Enter the address: http://mobile.prepaidsbi.com/sbiwap/
e) A screen will be displayed asking for Login id and Pin.
f) Enter the User ID and the default MPIN in the respective fields and select ‘Login’.
g) The next screen will ask for WAP login id, which will be received over SMS.
h) Enter this WAP login id in the browser screen. If the mobile phone does not facilitate accessing the Inbox while using another screen, you will have to exit the browser and then open the inbox to access the SMS having the WAP login id. Open the browser again and follow the procedure detailed above to enter the Login id and default MPIN. The next screen will ask for WAP Login id. Enter the number received over SMS and select ‘Send’.

i) If details entered are correct, the next screen with the Main Menu of the Mobile Banking Service will be displayed.
j) It is mandatory to change the default MPIN first before using any of the services. The procedure for this is as under:
Main Menu > Settings > Change MPIN > enter default MPIN
received over SMS under OLD MPIN > enter new MPIN >
confirm the new MPIN > select ‘Change’
k) Confirmation regarding the change of MPIN will be received over SMS and also displayed on the screen.
l) To complete the registration process, register at ATM or branch as detailed above under “Activation of your service at ATM/ Branch”.

CLARIFICATION ON THE USE OF .JAR & .JAD FILE

There are two types of JAVA File used for installing the State Bank Freedom Application (Mobile Banking Software) on to the Java Enabled Handset.
One is a State Bank Freedom.jar file which is around 200KB and the other is a State Bank Freedom.jad file which is of 1 KB.
The .jar is actually the State Bank Freedom Application or the software which to be transferred through Bluetooth, Data Cable, Data Card or through GPRS and installed on the Java enabled Handset.
In a few Handsets, due to the restrictions of technology, the jar in isolation does not get installed. In such cases the .jad file, also needs to be downloaded or transferred (in addition to the .jar file). The .jad file acts as a catalyst and helps in installing the .jar file (State Bank Freedom Application or Software) successfully

SECURITY FEATURES OF MOBILE BANKING

• All messages originating from your mobile phone are encrypted and travel to Mobile Banking Server in secured mode. The encryption technology used in 128 bit AES technology- Best available in the world i.e. user id & mpin of customer is encrypted by 128 bit.
• MBS works only on the mobile number which is registered by customer, if someone tried to use it from other mobile number, MBS user get the message “ someone is trying to use your mobile banking”.
• Account registration is done either by Branch or through ATM which is done by customer itself using his ATM card.
• When user uses the option "Forget MPIN", he needs to re-register his account from Branch / ATM.

MOBILE BANKING THROUGH USSD

What is USSD

Unstructured Supplementary Service Data. USSD establishes a session with the service provider where the exchange of messages can take place over the session till the desired service or information is not received by the user. The best example is in Airtel postpaid services when you dial *121# you instantly get a menu in the screen.

Currently Mobile Service providers in India are using USSD for following things
• Alerts About special offers, services and news
• Balance enquiry
• Changing tariff plan and subscribing to various Value Added services
• Recharging using prepaid vouchers

Features of State Bank FreedoM USSD mode
• Enquiry of balance in account
• Mini Statement – last five transactions
• Transfer of Funds to accounts with SBI
• Mobile Top up

PROCESS OF REGISTRATION TO THE SERVICE

Getting User ID

• Send SMS to 567676
• You will receive User ID and default MPIN over SMS.

Eligibility & Using the Service-

The Service is available to all P segment customers having a Current/ Savings Bank account and accepting the Terms and Conditions of the Service which have been made available at Bank’s website www.statebankofindia.com/www.sbi.co.in. The customers already using Application based/ WAP based Mobile Banking Service will not be permitted to use the Service over USSD. The existing user of the Application / WAP based service, if desirous of using the Service over USSD, should de register from the Application/ WAP based service, before attempting to register under USSD.

Starting the USSD Session.

• Subscribers to Vodafone, Aircel, Idea, Tata Docomo, MTNL (Delhi) - dial *595# or send SMS “SBMBS” to 5616199

You will receive a response “Welcome to State Bank Mobile Banking. Enter your User ID”

Enter your User ID.

If the user ID is entered correctly, you get the following response.

Kindly Reply with your option Number :
1. Enquiry
2. Fund Transfer
3. Mobile Top up
4. Change MPIN.
5. Forgot MPIN
6. De- Register.

Press “Answer” and Choose the Serial No from the above to exercise your option and “send”

If the user ID entered is incorrect, the response will be “Sorry User ID is wrong. Kindly send correct User ID”. If the user ID is entered wrong twice, you will get a response – Sorry you have replied with wrong user ID. Kindly try with correct user ID. The session will expire and you have to restart the session. If the user ID entered is invalid, the response will be “This user ID does not exist. Kindly enter correct User ID”. If the user enters the user ID, which is registered already over Application / WAP based Mobile Banking Service, the response will be “You are already registered for application /WAP based Mobile Banking Service. To use USSD, Please de register from application / WAP based service”.

Validation and Activation

Change MPIN-

• To register for the Service, It is mandatory that you change the MPIN, immediately and accept the Terms and conditions for the Service.
• To choose Change MPIN , Enter 4 and SEND
• The following screen will appear
• I Accept the terms and conditions of State Bank Mobile Banking Services as displayed on website www.sbi.co.in
• Press Answer and enter 1 to accept Terms and Conditions and for changing your MPin. If you enter 2 the session will close.
• Please enter Old MPIN – enter the old MPIN ( Default MPIN received over SMS for first time user) and SEND
• Enter New MPIN – enter a MPIN of your choice. (6 characters/ digits) and SEND
• Confirm new MPIN and SEND.

• You will get a response – “Your MPIN is changed”.
• You will get another message that “validation from the handset successful. Complete registration process at ATM/ Branch.

Activation of your Service at ATM- in this process of registration, the Primary Account linked to the Debit card is enabled for Mobile Banking Service. Under USSD service, the user is enabled for only one account for the Service. If you desire to enable an account other than the primary account of the Debit card, please visit your Branch.

When you activate your service on ATM. Please ensure that you have changed your MPIN before registering at the ATM and have received a message that the “Validation from handset successful. Complete registration process at ATM/Branch”.

Go to ATM and after swiping your Debit Card choose Mobile Registration –Enter your ATM PIN-Mobile Banking – Choose Registration – Enter Mobile Number-Choose Yes after ensuring the correctness of the number entered- Then the Mobile Number entered by you is displayed- Choose Confirm.

Please collect the transaction slip which reads out a message : Mobile Registration Succesful-0

If your transaction slip reads a message” Please complete handset validation, before doing this step-169, it denotes that you have not changed the MPIN to complete the handset validation. Please change the MPIN and wait for confirmation, before visiting the ATM/ Branch.
If the Transaction Slip reads out any other message than the two messages above, it is possible that you have not chosen the option “Mobile Banking” under “Mobile Registration. Please register at the ATM by choosing the option “Mobile Banking” only. If you do not find any such option in the ATM, please bring it to the notice of the Branch Manager.

You will get a SMS “Primary Account nnnnnnnnnnn registered. User: xxxnnn. This message conveys the activation of your account for Mobile Banking Service.

Business Rules

The daily ceiling is Rs1,000 per transaction per customer for fund transfer / Mobile Top up with a calendar month limit of Rs. 5,000 per customer

Tuesday, August 10, 2010

MOBILE BANKING - SOME MYTHS

IT IS VERY EXPENSIVE:-
Currently bank is offering this facility free of cost. The only cost you might incur is the charges that you have to pay to your cellular service provider
IT IS VERY COMPLICATED:-
This is far from truth. In-fact mobile banking transactions are very simple. Now you can get the information even by sending sms also. It also enables you to do your banking transactions at any place from any given point of time. You need not to have any net connections or laptop/PC for using this mode of banking.
MOBILE BANKING IS NOT SAFE:-
It is a safe mode of banking In fact on application based banking transactions are not vulnerable to attacks as they have end to end encryption. End to end Encryption means the transaction is coded and passed on and it can be decoded at the intended destination.
Further transactions have to be authenticated by using Pin.
Another security feature is that transaction is accepted from your phone and you will get response on your phone only.

SECURITY FEATURES OF MOBILE BANKING

• All messages originating from your mobile phone are encrypted and travel to Mobile Banking Server in secured mode. The encryption technology used in 128 bit AES technology- Best available in the world i.e. user id & mpin of customer is encrypted by 128 bit.
• MBS works only on the mobile number which is registered by customer, if someone tried to use it from other mobile number, MBS user get the message “ someone is trying to use your mobile banking”.
• Account registration is done either by Branch or through ATM which is done by customer itself using his ATM card.
• When user uses the option "Forget MPIN", he needs to re-register his account from Branch / ATM.

PROCESS OF REGISTRATION FOR THE SERVICE

Register for getting User ID
• Send SMS to 567676
- Eg: MBSREG NOKIA N73 (If you dont know the model number, just type MBSREG and send to 567676)
• You will get a User ID and default MPIN and also a WAP link to download the mobile banking application (if you have a GPRS connection)

Downloading the mobile banking application onto your mobile handset
• Your handset should be java enabled
• If you have GPRS connection, you can download the application using the WAP link that you received along with the User ID.
• Else, go to our website, www.sbi.co.in and click on Services – Mobile Banking. Download the appropriate mobile banking application using data-cable or Bluetooth.
• Based on the mobile phone it may be installed under applications / games / installations.

Login
• After downloading the mobile banking application, click on Icon State Bank Freedom.
• Enter your User ID.
• Option-Login
• Accept the terms and conditions
• You will be prompted to change the MPIN.
(If not prompted, Go to Settings – Change MPIN.)

Change MPIN
• Under Old MPIN – enter the MPIN received over SMS
• Under New MPIN – enter a MPIN of your choice. (6 digits)
• Scroll down to the next field Confirm new MPIN
• Click Option. Choose Change.
• SMS – “MPIN has changed” is received.

Activation of your service at ATM
• After getting a "validation successful" SMS, Go to any State Bank Group ATM and after swiping your Debit Card choose Mobile Registration–Enter your ATM PIN- Mobile Banking – Registration – Enter your mobile number.- Choose yes after ensuring the correctness of the entry- Then the Mobile Number entered by you is displayed- Choose Confirm.
• You will get a SMS regarding activation of your account. In this process of registration, only one account is enabled for mobile banking services.

YOU CAN ADD ANOTHER 4 ACCOUNTS THROUGH BRANCH