State Bank of Travancore INTER BANK MOBILE PAYMENT SERVICE (IMPS) System

MOBILE TO MOBILE FUND TRANSFER USING INTER BANK MOBILE PAYMENT SERVICE (IMPS)

It is now possible to send money to accounts in SBT or Other Banks^* using Mobile Number and a 7 digit Number called Mobile Money Identifier (MMID).  

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Advantages

(i) No requirement of registering Payees.

(ii) Instant credit to beneficiary’s account

(iii) Instant SMS to sender and receiver regarding Debit /Credit in their account.

(iv) Account Number sharing with third parties avoided. Only Mobile Number and MMID                required to be informed to the sender for receiving money.

All customers of SBT can receive money using this platform. However, for sending money through IMPS the customer should have Mobile Banking facility.
For receiving funds through IMPS, you have to register your Mobile Number for getting MMID.

How to get MMID?

All SBT customers having mobile banking facility will be issued 7 digit MMID for the primary account registered for Mobile Banking. For linking other accounts, they may visit the Branch and apply for the same by filling up an application form.

Customers not registered for mobile banking can register their mobile number at the nearest State Bank ATM to get MMID for the primary account linked to the ATM card, as described below:

Swipe your Debit Card > Select Mobile Registration> Enter ATM PIN > Select Register for Interbank Mobile Payment Service( IMPS) > enter your mobile number > Confirm

How to transfer money using IMPS?

For customers using application based /WAP based mobile banking

Open the mobile banking application or login to WAP link (http://mobile.prepaidsbi.com/sbiwap/)

Select Funds Transfer -> Mobile to Mobile Transfer (IMPS)

Enter mobile number of the payee -> enter MMID of the payee -> Enter purpose (optional) ->enter amount -> select account to be debited->Select OK

Enter MPIN, Select Confirm and Send the request

For customers using USSD based mobile banking

choose the IMPS option 7 after successful login and respond as follows: · Enter the Mobile No of the payee · Enter the MMID of the payee · Enter the purpose · Enter amount · Enter the MPIN and complete the request

For customers using SMS based mobile banking

Please send the message using the following key words to 9223440000 for making a funds transfer through IMPS.

IMPS<Space>Mobile No<Space> MMID<Space>amount<Space>User ID <Space> MPIN <Space>Purpose (Optional - maximum length 20 Character)

How to retrieve forgotten MMID?

Send the following message

MMID<SPACE>SBT to 9223440000 (For retrieving MMIDs of all accounts) 

MMID<SPACE>SBT<SPACE>Account number to 9223440000 (for retrieving MMID for a particular account)

How to Cancel MMID?

Send the following message

MMIDCANCEL<SPACE>SBT to 9223440000 (For Canceling  MMIDs of all accounts) 

MMIDCANCEL<SPACE>SBT<SPACE>Account number to 9223440000 (for Cancelling MMID for a particular account)

How to Change Mobile Number?

Cancel the MMID first and go for a fresh registration.

(*To get an updated list of Banks participating in IMPS platform, please visit http://www.npci.org.in/bankmember.aspx)

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FAQs on Immediate Payment Service (IMPS) in Andhra Bank

What is IMPS? Immediate Payment Service (IMPS) is an instant interbank electronic fund transfer service through mobile phones. IMPS would facilitate Andhra Bank Customer's) to send money instantaneously to any other person registered for IMPS service in any of participating banks (including Andhra Bank), using mPAY application. All IMPS registered customers can also act as beneficiaries to receive money from any participating bank (including Andhra Bank). How does the IMPS Service work Real Time or Instantaneous ? A common infrastructure has been set-up amongst participant banks, in association with the National payment Corporation of India, to enable real time funds transfers across banks. What is MMID ? MMID stands for Mobile Money Identifier. MMID is a 7 digit code issued by a participating bank to their Mobile Banking registered customers for availing IMPS service as a beneficiary. A customer will have different MMID's for different accounts and all these can be linked to a single mobile number Do I as sender or receiver need to have a bank account for availing IMPS? Yes, you need to have a Savings bank account with Andhra Bank. Do I need to register to send money through IMPS? If you are a registered mobile banking customer of Andhra Bank and have the mPAY application on the registered mobile number, no more registrations are required. To send money from mPAY, please do the following: Login to Andhra Bank mPAY Select Fund Transfer Menu Select Fund Transfer to Other Bank Select Immediate Payment Service (IMPS) Select Quick IMPS and enter mPIN Enter 10 Digit Beneficiary Mobile Number, 7 Digit Beneficiary MMID and desired transfer amount Confirm entered details Get transaction report along with IMPS Transaction Reference Number. For sending money, can I link more than one account to the same mobile number? Yes, this is possible. The same process would be followed that exists for registration for mobile banking service for linking an account to mPAY application. Is the beneficiary also required to register for IMPS? The beneficiary ( Andhra Bank or other Bank customer) should have their mobile number registered with their bank where he intends to receive the money. He should also have a valid 7 digit MMID provided by his bank. For each bank account number the beneficiary would have a different MMID. Different customers of a Bank can have same MMID's. What beneficiary details do I need to use to send money? The beneficiary details required are: a. Beneficiary's 10 digit mobile number b. MMID of the beneficiary customer Is there any limit on the value of transactions when I am sending money using IMPS? The existing limits of Rs 50,000 per day using mPAY Application and using SMS its Rs 5000/ per day would apply. Is there any limit on the value of transactions when I am receiving money using IMPS? You can receive up to Rs 50,000 per transaction using IMPS. You can receive multiple such transactions in a day. Total Limit for day per account is Rs.50000/- What if IMPS registered mobile is lost or misplaced? Will anyone who comes into possession of mobile be able to send money using IMPS in my account? The security features of mPAY will apply in this case as well. For anybody to send money using IMPS, he needs to be registered Mobile Banking customer, have mPAY login pin and application password to access the mPAY application. What happens in case I enter a wrong beneficiary mobile number when sending money? The beneficiary details required to send money are mobile number and MMID. Before funds are credited into an account the corresponding mobile number and MMID are verified and only if both match will there be a credit into the account. What are the timings for initiating and receiving IMPS remittances? IMPS transactions can be sent and received at any time and any day. There are no timing or holiday restrictions on IMPS remittances. If the transaction is not completed will I get my money back? When? Yes. In case, Andhra Bank customer's account is debited and beneficiary account is not credited, then customer call lodge a complaint with our call center by mentioning : Senders Mobile Number Sender Account Number RRN (Transaction Reference Number) Date of Transaction Beneficiary Bank Name Beneficiary Mobile Number Beneficiary MMID Amount of Transaction Customers query will be resolved within 9 working days. How long does it take for the money to get credited into the beneficiary account? For transactions which are successful, funds gets credited into the beneficiary's account immediately. Can I send money from an Andhra Bank Savings account to another account in any other bank? Yes, you can transfer money from your Andhra Bank account to a beneficiary who has an account within the IMPS participating banks . When sending money, how do I come to know that my account is debited and the money has been credited in the beneficiary's account? You will get an amount debited SMS on your registered cell phone on successful completion of the transaction. Can I send and / or receive remittance using the mobile number other than the one registered with the bank? No,You can send and / or receive funds using the registered mobile number only. When can the beneficiary use the funds received through IMPS? The beneficiary can use the funds immediately on receipt of credit in the account. How can customer get MMID for there accounts? SMS: Customers need to send MMID to 9223173924 to generate MMIDs for their accounts. mPAY Application: Customers can login to mPAY Application -> Select “Fund Transfer” -> Select “ Other Bank Fund Transfer -> Select IMPS and generate an MMID

SMS Tags messages for Mobile Banking (m-Pay) :: SMS to be sent to Mobile Number 9223173924 Option Syntax and Example - MPin Change Syntax: CHANGEPIN<Space><OLDPIN><Space><NEWPIN><Space><CONFIRM-NEWPIN> Example: CHANGEPIN 5555 4444 4444 Balance Enquiry Syntax: BAL<Space><MPIN> Example: BAL 4444 Mini Statement Syntax: MINI<Space><MPIN> Example: MINI 4444 Mobile to Mobile - Request Syntax: FTMM<Space><MPIN><Space><BENE-MOBILE><Space><AMOUNT> Example: FTMM 4444 9790951696 100 Mobile to Mobile - Fund Transfer Confirmation Syntax: CONFMM<Space><MPIN><Space><TXNID> Example: CONFMM 4444 123456789012 Mobile to Account - Request Syntax: FTMA<Space><MPIN><Space><ACCOUNTNO><Space><AMOUNT> Example: FTMA 4444 8888888888812345 100 Mobile to Account - Fund Transfer Confirmation Syntax: CONFMA<Space><MPIN><Space><TXNID> Example: CONFMA 4444 789456123012 Mobile recharge Syntax: MOBREC<Space><MPIN><Space><MOBILENUMBER><Space><AMOUNT> Example: MOBREC 4444 9876543210 100 Cheque Status Syntax: ENQCHQ<Space><MPIN><Space><CHEQUENUMBER> Example: ENQCHQ 4444 123456 IMPS- P2P (Using Mobile Number and MMID Syntax: IMPS<Space><Beneficiary Mobile Number><Space><Beneficiary MMID><Space><Amount><Space><MPIN> Example: IMPS 9790951696 9011123 100 4444 IMPS-P2A (Using Account Number and IFSC Code IMPS<Space><Beneficiary Account Number><Space><Beneficiary IFSC Code><Space><Beneficiary Account type> <Space> <Amount> <Space><MPIN> <Remarks> Example: IMPS 1234567890 ICIC0000123 10 100 4444 Funds transfer Where <Space>Stands for one Blank Space Important Caution Note: Customers using Mobile Banking thru SMS Tags, should note to delete these Messages from their Sent Items in their Mobiles immediately after sending the SMS as the same will contain their mPIN. They should keep their mPIN secret and should NOT save the same in their mobile. Tag message for IMPS through SMS IMPS transaction can be initiated using registered mobile number using SMS mode with below tag: IMPS <beneficiary mobile Number> < beneficiary MMID> <Amount> <mPIN>and send it to 9223173924 For example IMPS 9849598495 9240111 5000 2222

Mobile Banking (mPAY) using NPCI’s USSD Platform (Presently available to BSNL and MTNL users only). USSD,Unstructured Supplementary Service Data, is a technology unique to GSM. It is a capability built into the GSM standard for support of transmitting information over the signaling channels of the GSM network. USSD provides session-based communication, enabling a variety of applications. It is a menu-based system that enables interfacing with user and our Mobile Banking application. Instead of a browser application, the USSD menu acts as browser to pull content to the phone. This mode of communication is faster than SMS because it is a session-based communication, unlike SMS, which is transaction based. How to Use Mobile Banking via USSD: Customer has to register for mobile banking through Andhra bank ATM. If customer already registered for mobile banking no additional registration is required for USSD. Customer should know his / her MMID for the registered mobile number for transacting over USSD platform. For getting MMID customers can send SMS asMMID to 9223173924. • Type the short code *99# in your mobile and press dial button. After prompting the Main menu, newly registered customers are advised to change the MPIN first before going for funds transfer. Existing customers may use the old MPIN for funds transfer. *Presently the facility is provided for BSNL and MTNL subscribers only. • The menu will prompt to provide your MMID. After entering the MMID, the main menu will be displayed. Fund Transfer Limit • The fund transfer limit under USSD platform is fixed at Rs. 5000/- per day. How secure is this service? The Mobile Banking Service on USSD is secure and convenient for users: Mobile Banking (USSD) has an in-built GSM level encryption that ensures safety by 'no store, just forward' facility for secured transactions. One can access this service only if registered for Andhra Bank's Mobile Banking services. Real-time session-based communication whereas SMS is transaction based Allows interactive services It is accessible only from the registered mobile number. Various services accessible through Mobile banking over USSD mode Sr. No Facilities Description 1 IMPS Fund Transfer (i) Generate MMID For MMID generation (ii) Retrieve MMID To know your MMID (iii) IMPS Beneficiary Registration One time registration of beneficiary. (iv) IMPS Fund Transfer Fund transfer option for registered beneficiaries (v) Quick IMPS Instant one time fund transfer without beneficiary registration (vi) Cancel IMPS For cancellation of the generated MMID (vii) Cancel IMPS Beneficiary registered beneficiaries can be removed 2 Change MPIN Customers can change their MPIN using this option

Forgot Password in mPAY – Steps to follow Customer has to visit any Andhra Bank ATM. Using your debit card de-register for the mobile banking facility. Register again for the mobile banking facility. After successful registration, you will receive an ATM receipt which contains Application Password (login password) and mPIN (transaction password). Please ignore the SMS received. Open the application stored in your mobile and go for Re-Activate option The said option is available for different phones as under. Android phone- Option is available in the login screen. Java phones: Under “Options” in the login screen. IPhones: Option ‘MENU’ in the login screen. The application will ask you to enter the new Application Password/mPin printed on ATM receipt. The application will prompt you to change the Application Password / mPin by entering your desired Application Password / mPin. Now you can access mobile Banking with the changed password and can do financial transaction using mPin.

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Immediate Payment Service (IMPS)

Immediate Payment Service (IMPS)

Currently majority of interbank mobile fund transfer transactions are channelised through NEFT mechanism. Under NEFT, the transactions are processed and settled in batches, hence are not real time. Also, the transactions can be done only during the working hours of the RTGS system. In the above context, NPCI has carried out a pilot on mobile payment system initially with 4 member banks viz State Bank of India, Bank of India, Union Bank of India and ICICI Bank in August 2010. Yes Bank, Axis Bank and HDFC Bank have joined this pilot in month of September, October and November 2010 respectively. Immediate  Payment Service (IMPS) public launch happened on 22nd November 2010 by Smt. Shyamala Gopinath, DG RBI at Mumbai and this service is now available to the Indian public. 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. This facility is provided by NPCI through its existing NFS switch. The eligible criteria for the Banks who can participate in IMPS is that the Bank should have approval  from RBI for Mobile Banking Service. CLICK HERE to know Live Members Banks for IMPS

Objectives of IMPS

To 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          To sub-serve the goal of Reserve Bank of India (RBI)  in electronification of retail payments To facilitate mobile payment systems already introduced in India with the Reserve Bank of India Mobile Payment Guidelines 2008 to be inter-operable across banks and mobile operators in a safe and secured manner To build the foundation for a full range of mobile based Banking services.

The participants for IMPS will be as follows:

Remitter (Sender) Beneficiary (Receiver) Banks National Financial Switch - NPCI

Pre-Requisites for Mobile Banking through IMPS

Registration for Remitter: Register yourself for mobile banking service with bank Get Mobile Money Identifier (MMID) and MPIN from the bank Download Software (Application) for mobile banking (ensure the compatibility of mobile with the application) or use the SMS facility in your mobile if your bank provides IMPS on SMS Registration for Beneficiary: Link your mobile number to the account in the respective bank. No need to register for mobile banking service. Get Mobile Money Identifier (MMID) from the bank For Remitter (To send money): Login to the application and select the IMPS menu from the IMPS or use the SMS facility in your mobile if your bank provides IMPS on SMS Get Beneficiary Mobile number and MMID Enter Beneficiary Mobile number, beneficiary MMID, Amount and your MPIN to send Await confirmation SMS for the debit in your account and credit in beneficiary account Note the transaction reference number for any future query 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

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Live Members Banks for IMPS

Sr. No. Bank Name No. of MMID issued (in lakhs) IMPS Remittance IMPS Merchant Payment National Unified USSD Platform (NUUP) Using MMID(P2P) Using Account No. & IFS Code(P2A) Active Channels 1 Allahabad Bank 0.13 √   Mobile   √ 2 Andhra Bank 9.13 √ √ Mobile / ATM √ √ 3 Axis Bank 84.33 √ √ Mobile √   4 Bank of Baroda 6.53 √ √ Mobile/Internet √ √ 5 Bank of India 1.87 √ √ Mobile √ √ 6 Bank of Maharashtra 0.01 √   Mobile     7 Bassein Catholic Co-op Bank 0.01 √ √ Mobile     8 BNP Paribas 0* √ √ Mobile √   9 Canara Bank 4.8 √ √ Mobile/ATM/Internet √ √ 10 Catholic Syrian Bank 0.1 √   Mobile     11 Central Bank of India 0.05 √   Mobile /Internet     12 Citibank 0.26 √ √ Mobile /Internet     13 Corporation Bank 7.64 √ √ Mobile/Internet √ √ 14 Cosmos Co-operative Bank 0* √ √ Mobile √   15 Dena Bank 0* √ √ Mobile   √ 16 Development Bank of Singapore 0*   √ Mobile √   17 Development Credit Bank 0.23 √   Mobile     18 Dhanalakshmi Bank 4.98 √   Mobile     19 Dombivli Nagarik Sahakari Bank 0.15 √ √ Mobile √   20 Federal Bank 0.34 √ √ Mobile / Internet √ √ 21 HDFC Bank 3.88 √   Mobile / Internet     22 HSBC 0* √ √ Mobile √   23 ICICI Bank 179.12 √ √ Mobile / Internet √ √ 24 IDBI Bank 0.05 √ √ Mobile   √ 25 Indian Bank 44.95 √ √ Mobile / Internet   √ 26 Indian Overseas Bank 4.06 √   Mobile     27 Indusind Bank 0.37 √ √ Mobile/ATM √   28 ING Vysya Bank 0.02 √   Mobile √   29 Jammu & kashmir Bank 0* √ √ Mobile     30 Janata Sahakari Bank, Pune 0.01 √ √ Mobile     31 Karnataka Bank 21.84 √   Mobile   √ 32 Karur Vysya Bank 0.13 √ √ Mobile √ √ 33 Kotak Mahindra Bank 22.34 √ √ Mobile/Internet √ √ 34 Lakshmi Vilas Bank 4.98 √   Mobile / ATM     35 Mehsana Urban Co-operative Bank 0* √ √ Mobile √   36 NKGSB Co-operative Bank 0* √ √ Mobile     37 Oriental Bank of Commerce 17.35 √   Mobile √ √ 38 Punjab and Maharashtra Co-op Bank 0.28 √ √ Mobile √   39 Punjab National Bank 3.22 √   Mobile / Internet √ √ 40 Saraswat Bank 0.01 √ √ Mobile √   41 South Indian Bank 1.95 √   Mobile     42 Standard Chartered Bank 0*     Mobile √   43 State Bank of Bikaner and Jaipur 0.21 √ √ Mobile   √ 44 State Bank of Hyderabad 0.28 √ √ Mobile   √ 45 State Bank of India 60.74 √ √ Mobile √ √ 46 State Bank of Mysore 0.02 √ √ Mobile   √ 47 State Bank of Patiala 0.08 √ √ Mobile   √ 48 State Bank of Travancore 0.16 √ √ Mobile   √ 49 Syndicate Bank 0.12 √ √ Mobile   √ 50 Tamilnaad Mercantile Bank 0.08 √ √ Mobile     51 Thane Janata Sahakari Bank 1.81 √ √ Mobile     52 The A.P Mahesh Urban Co-op Bank 0* √ √ Mobile √   53 The Greater Bombay Co-op Bank 0.39 √ √ Mobile √   54 UCO Bank 0.34 √   Mobile   √ 55 Union Bank Of India 15.87 √ √ Mobile/ATM/Internet √ √ 56 United Bank Of India 0.18 √ √ Mobile   √ 57 Vijaya Bank 0.54 √ √ Mobile   √ 58 Yes Bank Ltd 5.77 √ √ Mobile / Internet √

*No. of MMID issued lesser than 1000.

For more information about list of banks providing IMPS facility click here


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