Application based mobile banking

Services in application based mobile banking :  
The following services are on offer through this channel in the first phase of implementation:

• Banking Services:

• Balance enquiry - The customers will be able to view the real time account balance.
• Mini statement - The customer will be able to view the last 8 transactions
• Cheque status Enquiry - The status of the cheque whether the instrument is paid, unused or stopped will be displayed.
• Stop payment of cheques - The customer can stop the cheque online if not paid. The charges applicable will be same as that of charge applicable for across the counter service.
• Service Outlet Locator - This service will display the address of the Branch/ATM based on the inputs like PIN code or the location/city name.
• Intra-Bank Fund Transfer - The customer will be able to transfer fund to self or any third party accounts within the Bank after registration of the beneficiary. The beneficiary registration can be done either using the account number or mobile number if the beneficiary is also a mobile banking customer.
• Inter Bank fund transfer – Inter-Bank Fund Transfer will be through NEFT or IMPS.
• NEFT- The Customer will be able to transfer fund to accounts with other Banks after registration of the beneficiary.
• IMPS - The Customers are now able to send / receive funds to/from other Banks 24X7 through IMPS. IMPS based fund transfer is also available for transferring funds to self / third party accounts within the Bank. The transaction limit set for fund transfer through application based mobile banking will be applicable for IMPS also.
• Different services through IMPS

Person to Person (P2P) – In this method the mobile banking customers can remit fund to beneficiary in other bank using his mobile number and MMID.
Person to Account (P2A) – In this method the mobile banking customers can remit fund to beneficiary in other bank using IFSC and account number.
List of banks available for IMPS P2A: http://npci.org.in/impsIFSC3.aspx

• Payments

• Mobile Recharge – The Customer will be able to recharge the prepaid mobile account with top-up amount. This service is presently supported by select TELCOs in select telecom circles.
• Movie Ticketing – The Customer can book movie tickets using this option.

• Eligibility: The Customers of any Branch maintaining Savings, Current type of accounts are eligible to avail the mobile banking service.
• Operational Guideline

• After Successful registration and authorization of the Customer details at the Branch the Customer will receive two SMS on the registered mobile number.
• One SMS link will have the internet link to download the mobile banking application. Users / Customers having GPRS facility can download the application on the mobile. Other Customers may approach the Branch to download the application from the m-pay website.
• The second SMS will contain two 4-digit numeric passwords. The application password will be used to login to the mobile banking system and the m-pin will be used to avail the mobile banking services.
• The user will be forced by system to change the passwords received mandatory after first time login to the system.
• The System will allow 5 invalid application password attempts after which the application will be blocked.
• The System will allow 3 invalid m-pin attempts after which the service will be blocked. By next day all the blocked m-pins will be released.
• Primary Account can not be added as beneficiary, hence can not be credited through this facility. Appropriate care may be taken while mentioning the accounts.  

• Download Mobile Application on handset:
  
  

  Application Type	Download From	Link for download
  JAVA application	Bank’s website Mobile Banking site	http://www.unitedbankofindia.com/English/mobilebanking.aspx https://mobile.fssnet.co.in/MPAYPORTAL/unbi
  Android application (Android Version 1.5 and up)	Android Market	https://play.google.com/store/apps/developer?id=FSS
  Blackberry Application (Operating System: 4.5.0 or higher)	Blackberry App World	http://appworld.blackberry.com/webstore/content/108672/?countrycode=IN
  Apple Application (Compatible with iPhone, iPod touch, and iPad. Requires iOS 4.0 or later)	Apple Store	https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewSoftware?id=595971608&mt=8
  Windows Application(OS upto 6.5)	Bank’s website link	http://www.unitedbankofindia.com/English/mobilebanking.aspx

  
  

Or Download the application selecting appropriate handset type.

Download Mobile Application on handset:

• Java Application Download for Nokia Partial Keyboard ( Also supports partial keyboard handsets of Karbonn , Lava , Lemon , Micromax , Sony , LG , Samsung , Full Keyboard handsets for Karbonn and all touch screen handsets)
• Java Application Download for Nokia Full KeyBoard (Also supports full keyboard handsets of Lava , Lemon , Micromax , Sony , Motorola , LG and Samsung)
• Application Download for Blackberry Partial Keyboard
• Application Download for Blackberry Full Keyboard ( Also supports Micromax Q5)
• Application download for Android Phones
• Application Download for Windows Phones

• Application Based Mobile Banking User Guide