26th November 2014

Mobile Pay FAQ - Frequently Asked Questions:
Faq
Introduction

This document contains frequently asked questions on FSS mobile banking product raised by the users.

General
Q: 1. What is FSS mPAY?
Mobile Banking Application (FSS mPAY) is a service that facilitates you to do banking transactions through your mobile phone. mPAY services can be initiated using your smartphone with android or IOS operating system.
Q: 2. What are the prerequisites do I need to fulfil before having FSS mPAY service on my mobile?
The prerequisites are as follows:

  • You must be an account holder of the OBC to avail mobile banking services and should have registered for FSS mPAY services through either the ATM or branches of bank.
  • You must have a valid debit card issued by the bank. If you do not have a debit card, bank must permit you to avail services using your Account number.
  • You must be either a prepaid/post-paid mobile subscriber.
  • Your must be subscribed to internet or should be able to access internet using Wifi
Q: 3. What transactions can I currently carry out from my cell phone using the FSS mPAY mobile banking service?
Currently, FSS mPAY provides the following transaction services:

  • Account Balance Enquiry
  • Mini statement, to check the last 9 transactions of your primary account
  • Internal fund transfer, from one account to another, within the Bank
  • IMPS
  • External fund transfer to accounts of other banks using NEFT scheme of RBI
  • Stop Payment order placement on an issued Check
  • New Check book request
  • Account Balance Statement request
  • Check Status Enquiry
  • Bill Payments
  • Recharge
  • Ticketing
  • ATM & Branch Locator service
Q: 4. Does FSS mPAY mobile application user interface (UI) appear similar on all phones?
No. FSS mPAY UI appearance, however, might change from handset to handset depending on the visual interface of the handset. However, the functionality of the application remains the same for all handsets.
Q: 5. How do I register for FSS mPAY service?
You can visit your, nearest, bank's ATM and choose to register for the FSS mPAY service or you can visit neartest branch or using OBC internet banking site.
Q: 6. ATM Registration Process:
At ATM Swipe your Debit card choose Services enter your ATM PIN select Others Mobile Banking Registration enter your mobile number confirm the same. You receive an SMS on your mobile with mPIN.
Q: 7. Alternate Procedure for Registration using bank branch:
Visit your, nearest, bank or its branch; ask for the FSS mPAY mobile banking registration form, fill it, and submit.
Q: 8. Alternate Procedure for Registration using internet banking:
Login to Internet banking website and select mobile banking registration and enter mobile number. You receive an SMS on your mobile with mPIN.
Q: 9. How much time will it take for completing the registration process?
If you register through ATM and internetbanking, you can access the FSS mPAY mobile banking services instantly. Form-based (branch based) Mobile Banking registration is completed within a stipulated timeframe (as decided by the bank) from the date of submission of your application form.
Installation & Activation Procedure
Q: 1. How do I activate the FSS mPAY service?
For New users

You can activate the FSS mPAY mobile banking services by entering your mobile number. An OTP SMS will be sent to your mobile number for authentication, once OTP is auto retrieved click on submit button. Application will prompt you to s change mPIN of your choice. Here Old mPIN is what is received in registration success SMS. Once mPIN is set, Please set login password as instructions given in note. Once Login password is set, Your will be shown login page. In login page please enter your Customer ID and login password which was set earlier. After successful verification, For very first time an OTP SMS will be sent to your mobile number for authentication, once OTP is auto retrieved click on submit button. On OTP is verified, You will be successfully navigating mobile banking home screen from where you can perform mobile banking transactions

For Existing users

You can activate the FSS mPAY mobile banking services by entering your mobile number. An OTP SMS will be sent to your mobile number for authentication, once OTP is auto retrieved click on submit button. Application will prompt you to you to verify your mPIN. Once mPIN is verified, Please set login password as instructions given in note. Once Login password is set, Your will be shown login page. In login page please enter your Customer ID and login password which was set earlier. After successful verification, For very first time an OTP SMS will be sent to your mobile number for authentication, once OTP is auto retrieved click on submit button. On OTP is verified, You will be successfully navigating mobile banking home screen from where you can perform mobile banking transactions
Security
Q: 1. Is FSS mPAY mobile banking safe?
Yes. FSS mPAY mobile banking is safe and secure. It is protected with state-of-the-art security technology.�� FSS mPAY mobile banking requires a 4-digit mPIN to access your account information and all the mobile banking data saved on your mobile device is encrypted.� This ensures that even if the mobile device is lost or stolen, the data stored locally for the mobile banking application is unreadable.
Q: 2. How secured is FSS mPAY services on mobile?
Performing transactions through FSS mPAY is the safest way of performing financial transactions since you do not have to fear of losing your debit card or compromise with your debit card pin details. Further, the transactions done in FSS mPAY are encrypted for impregnable security standards.
Q: 3. What if I lose my FSS mPAY application loaded mobile phone? Whom do I report immediately?
If you lose your mobile phone, you should inform your nearest banking branch about the same. They disable your Mobile Banking facility, immediately, to avoid any further unforeseen financial damage.
Q: 4. What is mPIN?
mPIN is a highly secret four-digit number given by the bank to its respective customers, who have registered for mPAY service. Being a FSS mPAY customer, you must use mPIN for performing any mPAY transaction on your mobile.
Q: 5. Can I change my mPIN?
Yes. You can change your mPIN, any time. Go to your mobile application Main Menu -> Choose Change mPIN -> Enter old mPIN -> Enter new mPIN -> Confirm new mPIN -> Submit.� However, while using the FSS mPAY application for the first time, it is mandatory for you to change the default mPIN and set your own mPIN.
Q: 6. Is it necessary to change the default mPIN that is advised by FSS mPAY through SMS?
Yes, it is mandatory. You cannot use FSS mPAY services without first changing the default mPIN to one of your choice.
Q: 7. Can anyone else use my mPAY service?
Not until and unless you reveal your four-digit mPIN (supposed to be kept secret) to anyone; the four-digit mPIN required to log in to the mobile application ensures that only an authorized Bank customer access the mobile application. For security reasons, please do not share your mPIN with anyone.�

Note:  While logging in to the mobile application, if you enter your mPIN incorrectly for three consecutive times, then, by default, the application gets locked automatically.
Q: 8. I have forgotten my MPIN. What do I do?
Visit your nearest branch and submit form for resetting your mPIN.
Q: 9. How many incorrect login attempts result in the Mobile Banking application locking up?
After the third consecutive invalid PIN entry, the mobile banking application will be locked automatically. You can contact your bank authorities to unlock your mPIN.
Q: 10. What precautions do I need to take while accessing the Mobile Banking application?
Please follow the below precautions to enjoy a safe and secured mobile banking transaction experience:

  1. Please memorize your application Password and mPIN
  2. Delete the SMS that contains the password details in your mobile.
  3. After receiving the SMS with default mPIN, immediately log on to the Mobile Banking application and change your default mPIN.
  4. Do not ever disclose your Login Password and mPIN to anyone.
  5. Change your mPIN at regular intervals for further security.
Q: 11. What if I forgot login password?
IN login page, click on forgot password link. Please enter your mPIN and set login password as per given instructions in note
Q: 12. What if I delete the mobile banking application, by accident?
You can simply download the mobile banking application again and activate your mobile banking application.
Transaction Sets & Other Features
Q: 1. Can I view the transactions relating to my account?
Yes, Mini statement allows you to view a summary of your last ten transactions. Apart from that you can view feature wise transaction history
Q: 2. How will I get my checkbook if I send the request through mobile banking application?
The checkbook will be delivered to the address registered with the Bank. If you do not get the checkbook within a timeframe, please contact your branch. For any reason, if your request is rejected, kindly check up with your bank branch and ensure that your account is opened with checkbook facility.
Q: 3. How can I issue a stop payment order on an issued check?
  • Go to mobile application Dashboard-> Services-> Stop Check.
  • Enter Check Number and tap OK for confirmation.
  • After entering and submitting the valid details, immediately, you will receive a confirmation message for stop payment on the target check.
Q: 4. How do I know my Check status?
  • Go to mobile application Dashboard -> Services -> Check Status.
  • Enter Check Number and tap OK for confirmation.
  • After entering and submitting the valid details, immediately, you will receive the Check Status message.
Q: 5. How do I deregister the FSS mPAY service?
You need to visit your nearest Bank ATM and choose de-register option from FSS mPAY service.
Q: 6. What kind of fund transfer can I do in FSS mPAY mobile banking service?
Using FSS mPAY mobile banking service, you can do the following three types of transactions:

  • �Transfer funds to self-account(s)
  • �Transfer funds between same bank accounts (internal transfer)
  • �Transfer funds to accounts in other banks (external transfer) using NEFT or IMPS
Q: 7. What are self-account(s)?
Self-account(s) are your accounts that have been enabled for Mobile Banking Service.
Q: 8. How can I transfer funds between same bank accounts (internal transfer)? Can I transfer funds to my own accounts linked to different branches?
Yes, you can. Please register the target accounts as Payee under Funds Transfer Beneficiary Registration. Then you can transfer funds to the target accounts.
Q: 9. What is NEFT System?
The National Electronic Funds Transfer System (NEFT) is a system designed to transfer funds electronically from your account with us to another account in other Banks anywhere in the country.
Q: 10. NEFT transaction re-credited to same account next day. Why it has not happened?
Please contact your bank for the re-credit issue.
Q: 11. Why do I need to register the accounts for sending money?
This is a one-time exercise specifically designed to increase the security of your mobile banking application.
Q: 12. What do you mean by Other Bank account payee? Why do I have to give so many details for registering Other Bank payee?
Other Bank account payee is an account that is maintained by another bank. The funds are transferred to accounts linked with other bank through NEFT or IMPS
Q: 13. What Is IMPS?
The IMPS (Immediate Payment Service) allows customers to send amount to other bank account holders instant and this feature is available 24*7
Q: 14. Why do I need to set up Nicknames?
This is to ensure that you do not have to enter the information every time. You can choose the nickname from the list. Nicknames are used to differentiate your accounts in Mobile Banking. Not only are Nicknames easier to remember - they are also more secure.
Q: 15. What is IFS code and how can I find IFS code of a bank branch?
IFS code is an alphanumeric code a unique identification number given by RBI to identify every bank branch. If you know beneficiary bank branch then you can search IFS Code