YOUR HOST FOR TODAY

BRIG NARINDER DHAND

M PHIL, MSc, MDPA, MMS, B-TECH, F-IETE

MY WEB SITE
HTTP://SIGNALS-PARIVAAR.BLOGSPOT.IN

IT’S THE STOREHOUSE OF IMPORTANT

INFORMATION FOR
INDIAN ARMED FORCES VETERANS
 CASHLESS
DIGITAL
TRANSACTIONS
FREE WI-FI AVAILABLE – PLEASE OPEN
THE NETWORK ON YOUR MOBILE
PHONES
 SCOPE OF MY PRESENTATION
• EVOLUTION OF SOCIETY और “लेन – दे न” का
सिस्टम.
• EMERGENCE OF CASH AND CARDS.
• BANKING SYSTEM AND ITS MODERNISATION.
• METHODS OF BANKING TRANSACTIONS.
• MODERN BANKING LIKE INTERNET AND MOBILE
BANKING SYSTEMS.
• USER BASED SYSTEMS – UPI AND WALLETS
EXPLANATIONS AND DEMO (TIME PERMITTING)
EVOLUTION OF HUMANS

माया

TECHNOLOGY
 BANKING SYSTEMS –EVOLUTION
* VILLAGE BANIA AND लाला जी.
* हुं डी SYSTEM (अबके हवाला)
* BANKS
* GROUPING OF BANKS
* NETWORKED USING MOD-TECH
 BANKS
* BANKS ARE ESSENTIAL PART OF OUR SOCIETY
AS OF NOW. NO ECONOMY CAN DO WITHOUT
THE BANKING SYSTEM.
* Instruments :-
1.CHEQUES LOCAL TO MULTICITY
2.DRAFTS - AS GOOD AS CASH.
3.CASH CARDS.
4.DEBIT AND CREDIT CARDS.
5.ELECTRONIC SYSTEMS.
 BANKING – MODERN SYSTEMS
• ELECTRONIC BOOK KEEPING.
• NO PHYSICAL MOVEMENT OF INSTRUMENTS.
• INTERBANK DIGITAL TRANSATIONS USING INTRA
NET-WORKING SYSTEMS OF THE BANKS.
• NATIONAL SYSTEMS FOR TRANSACTIONS
• BANKER’S OWN SYSTEMS FOR TXN.
• INTERNET BANKING FOR CUSTOMERS.
• NEW CONCEPT OF PAYMENT BANKS.
 TERMINOLOGY
• NEFT National Electronic Funds Transfer.
• RTGS Real-time Gross Settlement Systems.
• RGTS Remittance under Govt Tfr Scheme
• IMPS Immediate Payment Service.
• IFSC Indian Financial System Code -
• MMID Mobile Money Identification Number.
• USSD Unstructured Supplementary Svc Data.
• MICR Magnetic Ink Character Recognition
INTERNET
BANKING
TICKETING / PAYMENTS
 INTERNET BANKING
• TXNS FROM THE COMFORT OF HOME.
• MONEY TRANSFER TO OTHER BANK ACCTS.
• MAKE BILL PAYMENTS ON LINE
• RAIL, BUS, AIR, MOVIE ETC TICKETS.
• MAKE OR BREAK FIXED DEPOSITS
• ON LINE MARKET.
 INTERNET BANKING
(ITS VERY VERY SIMPLE)
• WHAT WE NEED:-
– INTERNET BANKING ACTIVATION
– LOG IN ID AND PASSWORD
– REGISTERED MOBILE NUMBER.
– DEBIT CARD
– AADHAAR NUMBER
“ONE WHO EMAILS CAN EASILY HANDLE”
• DEMO
 DEMO ON INTERNET BANKING
• LOGGING INTO ACCOUNT.
• CHECK BALANCE & MINI STATEMENT.
• MONEY TRANSFER.
• BILL PAY.
• DEPOSITS.

WE WILL NOW GO LIVE ON AN ACCOUNT.

 ON LINE PURCHASES
• SELECT A PRODUCT ON MERCHANT SITE.
• THE MERCHANT SITE WILL TAKE YOU TO YOUR
CHOSEN BANK SITE
• LOG IN TO ACCOUNT.
• CONFIRM PAYMENT.
• PAY
• ONE TIME PASSWORD
• GRID – 3 D SECURITY
• TRANSACTION DONE – PRINT RECEIPT
• DEMO
BANKING ON THE GO

LET US NOW MOVE OUT OF

THE BANK PREMISES
TO
ATMS
AND POS SYSTEMS
TYPICAL BANK NETWORK
NATIONAL BANKING NETWORK

RBI
NEFT, RTGS, RGTS
PNB
IOB
AVCC

INTER
BANK

IMPS, UPI, USSD, ECS

 CREDIT OR DEBIT CARDS

• SERVICE PROVIDER
• CARD NUMBER
• EXPIRY DATE
• CVV
• LINKED MOBILE NUMBER
AUTO TELLAR MACHINES
AEPS

LINK YOUR
AADHAAR NO,
WITH YOUR
BANK ACCT
 DIFFERENCES
DEBIT CARDS
a. LINKED WITH BANK ACCT.
b. IMMEDIATE DEBIT TO ACCT AND CR TO MERCHANT
c. PIN ENABLED – NO TRANSACTION FEES TO OWNERS
CREDIT CARDS
a. NOT LINKED TO YOUR BANK ACCT.
b. CREDIT UPTO 45 DAYS FREE OF CHARGE.
c. MERCHANTS ARE PAID IN TWO DAYS.
d. PIN ENABLED, MOB LINKED.
e. YEARLY CHARGES.
f. NO CHARGES IF FD LINKED OR MIN PURCHASES
g. HEAVY CHGS IF NOT PAID BY DUE DATE.
 RECOMMENDATIONS
CRDIT CARDS
• OBTAIN CREDIT CARD
• MINIMUM POSSIBLE CREDIT LIMIT
• LINKED WITH PHONE AND INTERNET
FACILITY.
• MONITOR YOUR SPENDINGS & Cr BALs
• ENSURE BILLS PAID IN TIME- NET BANKING.
• TAKE ADD ON CARD FOR SPOUSE (NORMALLY FREE)
POINT OF SALE
OR
MERCHANT END
 CARD TXNS AT POS
POINT OF SALE EQUIPMENT (POS) IS A HAND
HELD DEVICE PROVIDED BY THE MERCHANT’S
BANK LINKED TO HIS BANK ACCT.

IDENTIFIES THE CREDENTIALS OF CREDIT CARD

& LOGS IN TO MASTER OR VISA SERVERS.

CARRIES OUT TRANSACTION AND COMPLETE IT

AFTER THE CUSTOMER KEYS IN HIS 4 DIGIT PIN

PRINTED RECEIPT PROVIDED

TYPICAL POS FOR CHIP BASED CARDS
POS MACHINES - TYPES
PORTABLE MOBILE BASED POS

CARD INSERT ATTACHMENT

MOBILE ATM
CARD SWIPE ATTACHMENT
* कितना अच्छा हो
हमें िह ीं जाना ह
न पढ़े
* िौन लाइन में
लगेगा और धििे
खाएगा.
* िोई ऐसा तर िा
?
मेरे पास तो बटु आ है

E - WALLET
मेरा मोबाइल ह मेरा बटु आ

वाह ज , यह
िैसे मुम्किन
है ?
किआ ऐसें भ हो सित है पेमेन्ट

PHONE IS MY WALLET

WHY NOT
 MOBILE BANKING
• BANK TANSACTIONS USING
MOBILE PHONES.
• REGISTER MOBILE NUMBER WITH YOUR
BANK ACCOUNT.
• GET MOB BANKING ACTIVATED FROM
THE BANK AND OBTAIN M-PIN TO
TRANSACT.
 UNIFIED PAYMENT
INTERFACE
(UPI)
MOST BANKS HAVE SINCE JOINED THE SCHEME
WHICH IS A VERY RECENT DEVELOPMENT
 UPI – UNIFIED PAYMENT
INTERFACE
1. CONNECTED TO CUSTOMER’S BANK ACCOUNT ON
MOBILE APPLICATION
2. DIRECT METHOD OF PAYMENT BANK TO BANK.
3. CUSTOMER ECOSYSTEM IS YET TO TAKE OFF.
4. BIT CUMBERSOME INTERFACE BUT BEING SIMPLIFIED.
5. LIMIT OF ONE LAKH PER DAY.
6. PLAYERS ARE THE BANKS WITH UPI APPS.
 UPI - SYSTEM

हम अपने मोबाइल से बैंि िे नेटविक से जुढ जाते हैं

 UPI IS BANK APPLICATION
1. BANKS HAVE INTERWORKABLE NETWORK.
2. ALL BANKS NOW HAVE UPI APLICATION FOR
MOBILE BANKING.
3. REGISTERED MOBILE NUMBER IS NEEDED.
4. UNIQUE ADDRESS OF UPI CUSTOMER :-
9999999999@HDFC
5. JUST ADD PAYEE’S ADDS AND SEND, AFTER THE
PIN AUTHENTICATION.
6. MONEY INSTANTLY DEBITED TO YOUR ACCOUNT
AND CR TO PAYEE’S ACCT & NOTIFIED.
UPI PROCESS

UPI PIN
E – PAYMENT SYSTEMS
1. 20 MAIN PLAYERS IN INDIA FOR E-WALLETS
2. PREPAID SYSTEM – OVER 50 WALLETS
FUNCTIONAL.
3. CONVENIENCE IS THEIR MAIN ADVANTAGE.
4. INNOVATIVE TO USE EVEN WITHOUT
INTERNET.
5. RETAINING CUSTOMERS AFTER
LIBERALISATION MAY BE DIFFICULT.
6. SECURITY ISSUES

PM LAUNCHED NEW APP CALLED - BHIM ON

30TH DEC 2016
 BHIM APPLICATION
* LAUNCHED BY PM – GOVT APPLICATION

* NATIONAL PAYMENT CORPN

* BHARAT INTERFACE FOR

MONEY

* COMMEMORATING
Dr BR AMBEDKAR
 BHIM APP

BHIM
ANDROID & IOS
DOWNLOAD APP

PLAY STORE IN ANDROID

AND
APP STORE IN IOS
DISPLAY
VERIFY MOBILE No
 THE APPLICATION WILL SEND SMS
FROM YOUR DEVICE WHICH WILL BE
READ BY THE BHIM SERVER.
THE SMS CONTAINS A SPECIAL
CODED MESSAGE GIVING THE
IDENTITY OF YOUR MOBILE HAND
SET, SIM CARD NUMBER AND THE
PHONE NUMBER ALLOTTED FOR
BINDING.
SELECT PIN & BANK

2 2 2 2
BANK ACCOUNTS
SET PIN FOR TFR

104675
SEND REQUEST SCAN & PAY

03 18
 PROFILE UPDATE

* FIRST NAME
* LAST NAME
* EMAIL ID

* VPA
(VIRTUAL PAYMENT ADDS)

NINDI@UPI
BANK ACCT - OPTIONS
 WE MUST KNOW
• BENEFICIERY’S VPA OR ACCT No &
IFSC CODE
• THIS CAN BE VERIFIED BEFORE
AUTH THE TFR OF FUNDS
SEND MONEY
MONEY CAN BE
ALSO SENT TO
ANY BANK ACCT
WITH IFSC CODE
IF VPA IS NOT
KNOWN
ANY QUESTIONS
ON UPI PLEASE
LET US NOW GET
TO E - WALLETS
 E WALLET
1. ALL E-WALLETS ARE SIMILAR IN
METHODOLOGY:-
A. DOWNLOAD AND INSTALL THE APP.
B. OPEN THE APP.
C. VERIFY MOB NUMBER – AUTO SMS.
D. COMPLETE PROFILE , NAME & EMAIL.
E. DONE
2. LOAD CASH – DEBIT CARD OR NET BANKING.
3. PAY TO MERCHANT.
4. CHECK TXNS (PASSBOOK)
5. TFR BALANCE TO BANK.
 LET US SET UP THE
E-WALLET
ON YOUR MOBILE PHONE.
PLEASE FOLLOW THE STEPS.
But The Qn Is

WHICH ONE ?
 IT HAS TO BE SAME WHAT THE
MERCHANT HAS.

IN POPULARITY AND MARKET

CAPTURE IN OUR NEARBY PLACES
– ITS –
PAYTM
LET US THEN GO AHEAD WITH IT
CONVENIENCE OF YOUR PHONE
 E WALLET - PAY TM

MOVING TO “PAYTM PAYMENT BANK”

GO TO PLAY STORE
 SEARCH – PAY TM

HERE IT IS

CLICK
INSTALL

INSTALL
 SIGN UP OR SIGN IN
• THE APP WILL FIRST VERIFY YOUR
MOBILE NUMBER THROUGH SMS.
• THERE AFTER YOUR FIRST NAME, LAST
NAME AND EMAIL ID IS ENTERED.
• CLICK OK TO SIGN UP .
• YOUR ACCT IS CREATED, ITS SO SIMPLE
• LOG IN WITH MOB No, & PASSWORD.
 HOME SCREEN
* PAY
* ADD MONEY
* PASSBOOK
* REQUEST
MONEY
 ADD MONEY TO WALLET
ADD MONEY
BY USING
YOUR DEBIT OR
CREDIT CARDS
OR NET
BANKING
 MAKING PAYMENT
BY MOB No,

OR

BY SCANNING
QR CODE
QR CODE
PAY – CHECK ?
BEFORE HITTING THE PAY
BUTTON CHECK THAT MOBILE
NUMBER OF THE MERCHANT IS
CORRECT LET HIM/HER SEE IT
BEFORE YOU HIT PAY BUTTON
Tap on PAY NOW
 TXN - COMPLETED
• BOTH WILL GET SMS AS
CONFIRMATION.
• EMAIL NOTIFICATION IS ALSO SENT.
• CHECK YOUR PASSBOOK.
DONE
पे-ट -एम् िरो

Alt+F4
WHAT IF YOU DONOT HAVE SMART
PHONE

MAJORITY IN OUR COUNTRY IN ANY

CASE DON’T

SO WHAT CAN BE DONE ?

USSD
*99# - USSD
 NATIONAL UNIFIED USSD PLATFORM
*99#
1. DOES NOT NEED HIGH END PHONES .
2. WORKS WITHOUT INTERNET
3. COVERS THE LARGEST CUSTOMER POOL
4. INTERFACE IS SLIGHTLY COMPLICATED
5. NEEDS REGISTRATION WITH BANKS
6. CEILING OF Rs 5000/- DAILY
7. MOBILE OPRs AND BANKS ARE INVOLVED.

मोबाइल बैंकिींग एम्िवेट िरवा लें और MPIN और MMID लेलें

Unstructured Supplementary
Service Data

USSD
ALL OVER MOB NET WORKS
THE FIRST SCREEN YOU GET
MPIN िैसे कमलेगा - SBI
 THERE ARE SOME CHANGES BEING BROUGHT
OUT BY THE PAYMENT CORPORATION OF INDIA
IN ITS (*99#) FORMAT AS YOU MAY SEE AFTER
YOU LINK WITH THE BANK ACCOUNT.
AS PER INFORMATION THE UPI PLATFORM
WILL FORM THE BASIS OF ALL GOVT
APPLICATIONS FOR TRANSFER OF MONEY
FROM YOUR BANK ACCOUNT TO OTHER BANK
ACCOUNT
 QUESTION HOUR

NOT TO WORRY THIS PPT WILL BE AVAILABLE

ON MY BLOG SITE OVER THE WEEK END
http://signals-parivaar.blogspot.in
OPEN
आज िे समय ि पुिार

समय िे साथ चलो नह ीं तो

प छे रह जाओगे

िोकिस से ह फल कमलेगा
आप िा बहुत बहुत
िुकिया

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