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Mobile Banking

 Mobile Banking- "OBCmPAY" :

Download Mobile Banking Application

 

Who can avail this facility :

Any Customer of Bank having Java enabled Mobile phone irrespective of the Mobile Service Provider viz. Airtel, MTNL, Vodaphone, VSNL, Idea, Reliance etc., can register for "OBCmPAY" and avail following services- ;

  • Account Balance EnquiryImmediate Payment Service
  • Account Statement
  • Intra Bank Fund Transfer
  • Inter Bank Fund Transfer
  • Stop Cheque
  • Cheque Status

 

The customers can avail OBCmPAY services by registering either by visiting the Branch or by registering through ATM.

 

Registration through Branches-

Customers are required to submit duly filled application form for enabling Mobile Banking services. The application is available at Branches and it can also be downloaded from Bank's Web Site "www.obcindia.co.in (under Customer Service >> Forms Warehouse).

 

Registration through ATMs of Bank-

 

Customers can alternatively visit any ATM of Oriental Bank of Commerce and register themselves using their debit card. The Process of registering for Mobile Banking through ATM is given hereunder-

 

•   Visit the nearest ATM of Oriental Bank of Commerce

  • Insert/dip ATM card in the ATM
  • ATM prompts to enter ATM Card's PIN. Enter the PIN
  • Select Others > Mobile Banking > Registration option in the ATM Menu
  • ATM prompts to enter Mobile number
  • Enter 10 digit Mobile number and select <Confirm> button
  • ATM prompts to re-confirm Mobile number
  • Please re-enter the same 10 digit Mobile number and select <Confirm> button
  • ATM prompts to select the Account Type options <CURRENT> or <SAVINGS> (only one account is permitted per mobile for Mobile Banking facility).
  • If entered details are valid, ATM displays "Your Mobile Number Registered successfully" with Application Activation code and mPIN and prints the same
  • If the details are invalid, ATM Displays "Registration Failure"

 

After successful registration customers would get an SMS in their registered mobile number containing the URL for downloading application

 

Downloading  of Application

The application can be downloaded by either of the following two modes:-

  • 1. Using Data Cable
  • 2. Using GPRS (Mobile Internet)

 

Using Data Cable-

The Mobile Banking application can be transferred to the Mobile Phone using the Datacable after downloading it on the Personal Computer or Laptop from the WebSite at the following url and putting in the mobile phone number and Activation code (for first time) and mPIN ( subsequently, if required) -

https://mobile.fssnet.co.in/MPAYPORTAL

Visit the link <Tools- Download> and enter the required information and select download option.

Using GPRS-

Alternatively, application can also be downloaded using the GPRS, to mobile phone itself from the link provided to customer in the SMS after their successful registration through ATM or Branch.

Activation of Application

While login first time to the mobile banking application downloaded to Mobile phone through any of the above methods, customers are required to enter their activation code (received either through the SMS confirming registration or on the ATM slip, if registered through ATM) and change their mPIN.

 

Services-

1 Balance Enquiry

  • Select Balance Enquiry.
  • Enter your 4 digit mPin.
  • Get balance of account on screen

2 Mini Statement

  • Select Mini statement.
  • Enter your 4 digit mPin.
  • Get mini statement containing last 9 transactions of your account on screen .

 

3 Fund Transfer : Within the Bank

Mobile to Mobile

(One time registration of beneficiary)

  • Select beneficiary registration
  • Enter beneficiary mobile number (beneficiary has to be a registered OBC mPAY customer) and mPin to complete beneficiary registration.

(Transfer of Funds)

  • Go to Payment option and invoke the list of beneficiaries.
  • Select beneficiary, Enter Amount and your 4 digit mPin.
  • Get transaction successful message on screen and inbox.
  • Beneficiary also gets an SMS.

 

  • Mobile to Account

(One time registration of beneficiary)

  • Select beneficiary registration
  • Enter the 14 digit a/c number of the beneficiary
  • System fetches his name for your confirmation
  • Confirm and complete registration

(Transfer of Funds)

  • Go to payment option and invoke the list of beneficiary
  • Select beneficiary, Enter Amount and your 4 digit mPin.
  • Get transaction successful message on screen and inbox.

4 Fund Transfer : Other Banks

 NEFT

(One time registration of beneficiary)

  • Enter Beneficiary a/c no in other bank
  • Enter other bank IFSC code
  • Enter a nick name for the beneficiary
  • Complete registration

(Transfer of Funds)

  • Go to Payment option and invoke the list of beneficiaries.
  • Select beneficiary, Enter Amount and your 4 digit mPin.
  • Get transaction successful message on screen and inbox.
  • Funds are transferred to the other bank account through NEFT mode by Bank.

 

5. Change mPin
Customers willing to change their mPin, should select this option, enter their old mPin, after that new mPin, then re-enter their new mPin and then when asked "Allow application  to send text message?" should Click Yes

 

IMPS (Immediate Payment Service) Through NPCI (National Payment Corporation of India)

NPCI (National Payments Corporation of India) has launched the services of IMPS (Immediate Payment Service) for integrating Mobile Banking Services being offered by various Banks through NFS network thereby facilitating instant Inter Bank fund transfer and credit to beneficiary account round the clock on all days.

In order to facilitate instant Inter Bank fund transfer to our customers, we have also integrated with IMPS services of NPCI. This service shall be supplementary to the services of Inter Bank fund transfer services currently being offered by Mobile Banking services using NEFT platform.

Features and Functions of IMPS services-

IMPS offers an instant, 24X7, interbank electronic fund transfer service through mobile phones. IMPS facilitate customers to use mobile instruments as a channel for accessing their bank accounts and put high interbank fund transfers in a secured manner with immediate confirmation features.

  • It enable bank customers to use mobile instruments as a channel for accessing their banks accounts and remit funds
  • Making payment simpler just with the mobile number of the beneficiary.

How to avail IMPS services and its Activation

1.Customers already availing Mobile Banking Services of Bank- customers already availing mobile banking services of bank shall download the latest version of mobile banking application to their Mobile Phones.

2.Customers desirous of availing Mobile Banking and IMPS services- Customers shall register for Mobile banking services through ATM or Branch.

3.Customers desirous of availing IMPS services for inward credit only - Customers should register their services for SMS Banking services of Bank and after activation of services should send SMS "MMID" to the number 9223173923.

Process for obtaining MMID (Mobile Money Identification Number) for -:

1.Customers already availing Mobile Banking Services of Bank

Customer shall select menu option "Fund transfer< Other Bank< Register for

IMPS" of mPay application to obtain MMID.

2.Customers Not availing Mobile Banking Services of Bank but are registered for SMS Alert facility offered by Bank-

Customer shall send SMS "MMID" to the number 9223173923 to obtain MMID.

Menu Options of Mobile Banking applications for initiating IMPS transactions-

(One time registration of beneficiary)

  • Select Menu option Fund Transfer> other Bank> Beneficiary Registration>Online Fund transfer (IMPS)
  • Enter Beneficiary MMID (seven digit number)
  • Enter Beneficiary Mobile Number
  • Enter a nick name for the beneficiary
  • Complete registration

(Transfer of Funds)

  • Select Menu option Fund Transfer> other Bank> Payment>Online Fund transfer (IMPS)> Search Registered beneficiary
  • Select beneficiary, Enter Amount and your 4 digit mPin.
  • Get transaction successful message on screen and inbox.
  • Funds are transferred to the other bank account on real time basis.

For Beneficiary (To receive funds):

  • Share your Mobile number and MMID with the remitter
  • Ask the remitter to send money using your Mobile number and MMID
  • Check the confirmation SMS for credit to your account from the remitter
  • Note the transaction reference number for any future query

Note-

(1) Outward fund transfer request can only be initiated through Mobile Banking application, customers desirous of availing outward fund transfer facility through IMPS should register for Mobile Banking services of Bank.

(2) Customers not registered for Mobile Banking services can receive fund to their account through this service by registering for SMS Alert application and retrieving MMID as given above. However Branches should motivate customers to register for Mobile Banking services of Bank.

Customers may also visit M/S FSS website https://mobile.fssnet.co.in/MPAYPORTAL  for further information.

Customers may also visit NPCI website http://www.npci.org.in/bankmember.aspx for further information and to know number of Bank's live for IMPS.