User Manual - Runtime Solutions
Contents
1. Maximum A C Balance Rs10 000 Rs 50 000 ash Bank Branch Pay Bills w Transaction Limit Rs 10 000 Rs 50 000 Rech mt Maximum Day Recharge Recharge Pay C I9e Pay Bills Bills Send Send Money wr Money Pay Merchant Stores Documentation No KYC Drivers Account Balance z or Photo ID License zs only Photograph Invite friends Signature Change PIN Proof Change password 2 ACCOUNT ACTIVATION Mobile money services by YES BANK Once you register you need to activate your account before you can start using mobile money services After registration the agent will help install the mobile money services application on your phone After installation the application may take some time to open up Please wait patiently and you should be able to see your application start up If you still see this message then please close the application restart the phone and reopen the application On registration you will receive a welcome SMS with a temporary PIN This temporary PIN is valid only for 48 hours You need to activate mobile money services before this temporary PIN expires Launch the application and accept the EULA End User License Agreement Select New user a powered by NOKIA Enter your temporary pin Date of Birth Mother s date of Birth Create your Password and new PIN You can then conti2. NOKIA 14 Interactive Voice Response IVR You can use mobile money services by dialling a number and accessing an IVR Dial 022 39852698 from your mobile handset An automated and interactive voice response IVR system will greet you and present the main menu Mobile money services do not charge you for making or receiving calls However your mobile service provider might charge you for the call as per your tariff plan The IVR system offers the following features in addition to the ATM card activation Change PIN Select this option to change your PIN Enter your current PIN e Enter your new PIN twice powered by 39 Mobile money services by YES BANK On successful completion you will be taken back to the main menu Verify Agent Select this option if you want to verify an Agent that you d like to deposit cash at Enter the Agent ID You will be read out the Agent s details such as ID mobile number address and current account status Active Inactive You will be taken back to the main menu If the details of the Agent indicate that the Agent is not active you must discontinue transaction with the Agent Balance Select this option to check your account balance 40 Enter your PIN powered by NOKIA Mobile money services by YES BANK You will be read out your current account balance and then taken back to the main menu 15 Security guidelines Do not
3. 24 hours Once these details are validated the card is activated and you can start using it powered by 15 Mobile money services by YES BANK Mobile money services by YES BANK 5 Bill payment How to pay bills med 01115 Unpaid bill Unpaid bill You can pay your bill in 2 ways Tm Due date Due date r Pay when d bill is sent 19 10 2009 Insurance E 19 10 2009 MyMobile Insurance Amount Rs Amount Rs 100 The amount that you can pay part or full depends on the biller For billers who don t send ae bills e g CRY you can pay anytime See the biller reference table for more details Pay when a bill is sent Mobile money services will send you an alert when a new bill is due Please make your TTE Back ae m T ayment at least 4 working days in advance of your bill due date pay 2 y Step 1 Step 2 Step 3 Click on Pay Bills to view pending bills Select the bill you wish to pay view details of the bill enter PIN and click Send powered by powerei NOKIA 16 17 Mobile money services by YES BANK Mobile money services by YES BANK Pay Anytime Before you start paying bills you will need to add register your billers through the Pay a biller anytime even when a bill is not due application Select the biller you wish to pay Enter the amount you wish to pay e Enter PIN and click SEND You can search a
4. Back Step 1 Recharge prepaid To My mobile number Mobile number Recharge prepaid To My mobile number Mobile number 9876543210 9876543210 Operator Operator Aircel Aircel Area Area All India All India Amount Rs Amount Rs 100 Enter PIN Options Next Clear Previous Step 2 Step 3 Mobile money services by YES BANK 21 Mobile money services by YES BANK Note 1 For some operators the recharge is done electronically once you make the payment through the application 2 Forother operators the recharge is done via a recharge PIN once you make the payment through the application You will receive a recharge PIN via SMS Use the operator s supported method via SMS or phone call to recharge your prepaid mobile number using this recharge PIN Refer to the annexure to know which type of recharge PIN based or PIN less electronic is supported for your operators powered by NOKIA din Mobile money services by YES BANK Prepaid mobile recharge other mobile number The procedure to recharge other mobile number is the same as My Mobile Number Instead of selecting My Mobile Number you can select a number from the lists below 1 Recently Used 2 Search for Contacts 3 New Contacts At any point during the recharge process if you want to change the operator go to options and select Change Operator It will again take you to the operator list to make
5. and No if you want to cancel the deletion Biller will be removed from this list after the deletion is completed A header message appears confirming that the biller name has been deleted 6 Prepaid recharge You can use Prepaid Recharge feature to Recharge your own prepaid mobile account You will need to select your operator and area of network Please refer to the annexure for the list of prepaid recharge operators circles Recharge anyone else s prepaid mobile phone Through this option you can recharge the mobile number you have used recently searched from contact list or provide a new number powered by 25 Mobile money services by YES BANK Prepaid mobile recharge my mobile number Using Prepaid Mobile Recharge feature you can recharge your own prepaid mobile number Use the following procedure to recharge your mobile phone e Login and go to Main Menu gt Recharge Prepaid Select My Mobile Number to recharge your own mobile number Select the operator Select a circle or the area of your network which you subscribe to Click Select Enter the amount of recharge and click on NEXT e Enter the PIN Once PIN is verified you will get the message Your Transaction request has been sent Check the status in the Transactions menu powered by NOKIA powered by NOKIA Recharge prepaid My mobile number Recently used Search for contacts New contact Options Select
6. seethatthedocketsealhasnot been tampered with When the agent has initially linked your card you will receive an SMS with information about card issuance and associated card fees charged When the Agent initial checks are complete and approved you will receive an SMS approval along with a number that you should call to activate your card Please note that if KYC Know Your Customer approval fails for any reason the card issuance fees and service tax will not be refunded to you Once all paperwork is approved you will receive an SMS along with an inbound Interactive Voice Response IVR number to activate your card powered by NOKIA xm Mobile money services by YES BANK 1 Call 022 39852698 from your registered mobile number to activate your card Card activation IVR flow 2 You will be prompted to enter the last 4 digits of the card number as printed on the card If you enter invalid digits you will be allowed 2 more attempts After 3 attempts the card will be locked for 24 hours And your card will be unlocked automatically after 24 hours 3 Once you enter the last 4 digits of the card number correctly you will be asked to enter your mother s date of birth in DDMMYYYY format as set during the activation process If you enter an invalid mother s date of birth you will be allowed 2 more attempts After a total of 3 attempts the card will be locked for 24 hours And your card will be unlocked automatically after
7. Contents IMPORTANT INFORMATION INTRODUCTION ACCOUNT ACTIVATION DEPOSIT CASH ATM CARD BILL PAYMENT PREPAID RECHARGE SEND MONEY ACCOUNT MANAGEMENT powered by NOKIA ND A UJ N Hk Mobile money services by YES BANK 12 13 16 25 30 JZ 1 Mobile money services by BASAL Mobile money services by 9 VERIFY AGENT 35 _ Important Information 11 ABOUT Sv 12 USER INFORMATION Toll free number for customer care 1800 3000 1122 13 HELP 38 5 Dial in IVR N 022 39852698 14 INTERACTIVE VOICE RESPONSE IVR 39 US LIC ers Web site URL www mobilemoneyservices co in 16 TRANSACTION LIMITS 42 Queries email id mobilemoneyservices yesbank in NOKIA NOKIA 2 3 Mobile money services by YES BANK Terms and Conditions Apply This mobile money services by YES Bank Powered by Nokia is offered by YES Bank in partnership with Obopay The money deposited by the customer is maintained with YES Bank as per applicable RBI guidelines The service is safe and secure as it requests the customer for two factor authentication as prescribed by RBI guidelines Obopay is a certified PCI 1 2 level 1 Service Provider and is also certified to 15027001 standards powered by NOKIA Mobile money services by YES BANK 1 Introduction Mobile money service is the smart new way to manage your money Deposit cash Deposit cash into your account by visiting any mobi
8. a new selection Note The recharge denomination should be supported by your service provider Check with your service provider before you recharge your mobile powered by 29 Mobile money services by YES BANK Mobile money services by YES BANK T Send money Send money Send money Send money Recipient name Recipient name Recipient name Through mobile money services you can send money from any mobile phone with the Rahul Arora Rahul Arora eee D 0 1 D bil ber bil ber obile number mobile money services applications in India The money transfer would be instant and DIET 9891919191 is ideal for sending money to family friends and for gifting purposes Use the following Amount Rs Rs ru ps procedure to send money to any mobile 2 idees ux Message i Tution Fees Login and go to Main Menu gt Send Money Tution Fees b Selecta recipient by choosing one of the options EARTE e Recently Used 3 Search for contacts Next Clear Next Clear Send Clear e New Contact Step 1 Step 2 Step 3 Once you have selected the recipient Note In case of a new contact you have to type in the recipient s name and mobile number c Enter the amount you wish to send to the recipient before you can send him her money d Enter a personalised message if you wish to and click Next e Enter the PIN for confirmation and press Send
9. e first three characters powered by NOKIA Mobile money services by YES BANK e lick Search and a message Biller found based on your search criteria will be displayed if any matching biller s is found lick Show to display the biller s Select the biller and click Add Add billers Use biller code Search biller Options Select Back Search biller Search biller Andaman amp Nicobar is Charity Andhra Pradesh Electricity Arunachal Pradesh Gas Assam Insurance Bihar ISP Chandigrah Mobile Chhattisgrah Telephone Dadra amp Nagar Haveli Select Back Telephone Mobile Select Back Step 1 powered by NOKIA Step 2 Step 3 Search biller Enter biller Name Cry Select Step 4 s Mobile money services by YES BANK Note The below mentioned steps apply for both the search categories ie Search by Biller Code and Search by Biller Location Category and Name Once you have selected the biller you need to provide a nickname for the biller and some billing information 9 Enter biller nickname The biller nickname will be used to show you the bills later Eg If you are adding the electricity bill for your home you could give it a nickname like HomeElec for easy reference 10 You will now need to provide some billing details specific to the biller you selected For example if you add
10. ed Vodafone as a biller you will need to provide the following billing details a Customer mobile number b A C number Name powered by NOKIA a Mobile money services by YES BANK 11 Once all details are entered click Send 12 A message appears Biller addition is in progress Biller will be shown after confirmation 13 After confirmation you will see the biller name in the View Billers option Edit a biller You can use this option to edit a registered biller s nickname in the application To edit the biller s nickname follow these steps Login and go to your application main menu e Select Pay Bills gt View Billers e Select the biller nickname you want to edit Goto Options Select Rename powered by 23 Mobile money services by YES BANK The message Your request to change Biller name has been sent Biller nickname will be updated once the results are received will be displayed Click OK e Enter the new biller nickname and Click OK The biller nickname you entered previously is updated Delete a biller You can use this option to delete a biller from registered biller list To delete the biller follow these steps Login and go to your main menu Select Pay Bills gt View Billers Select the biller you want to delete Goto Option gt Select Delete powered by NOKIA _ Mobile money services by YES BANK Click Yes to delete
11. ents right away New user New user New user Tm ctivating account This may The application uses SMS to communicate all transactions If you have a prepaid phone you AE a Eu ROSP E will need a balance on the phone to use the application to make payments automatically when ready Create Password Confirm Password Confirm Password Note T AGPRS connection is not required All communication is done via SMS charges will be as per EE P your plan with your mobile service operator No additional charges are applicable i iie i y 1 ad Wn Allow application to send text Ifyou area New User and using the application f or the first time or if your application was ihid message to 919535997751 reloaded you will need to create a new application password Next ean Ill Options Activate den B ves No Options Exit When you are talking and the balance runs out you may have money in your Step 3 Step 4 Step 5 Step 6 Nokia Money Stored Value Account This cannot be used if your prepaid balance is zero NOKIA NOKIA 10 11 Mobile money services by YES BANK 3 Deposit cash Once you are registered and have activated your account you need to load money onto your new prepaid account Currently you can only deposit cash by visiting an authorised mobile money services Agent You will soon be able to load electronically from your bank account To find an authorised agen
12. ervices by YES BANK Note The Password should be 4 characters long and alphanumeric Change PIN You can change PIN in case of any security concerns Follow these steps to change the PIN Start the application and Login e Goto Main Menu gt Options Select Settings Change PIN option for security reasons note that the PIN and password have to be different e Enter current PIN the number will be masked for security reasons Enter new PIN Reenter new to confirm Your request to set a new PIN will be processed You can start using the service once the new PIN is confirmed powered by NOKIA il Mobile money services by YES BANK Note The PIN should be a 4 digit number with no spaces 9 Verify Agent Use the following procedure to check the authenticity and status of an ew Agent before availing services at the agent s location Login and go to Main Menu Options Select Verify Agent e Enter the 7 digit Agent ID and click Send Amessage will appear on the screen stating that the request is in process e lick OK when the next screen appears lick Show when the screen appears with the message Agent Verification ready Note The status will reflect as Active or Inactive depending on the status of the Agent You should not deal with Agents whose status is Inactive powered by 35 Mobile money services by YES BANK Use the following
13. le money services Agent in your neighbourhood Purchase Pay any of the participating mobile money services merchants or stores from your mobile phone Send Send money to other mobile money services users in India by using mobile number Bill pay and recharge Pay your bills mobile electricity etc and recharge your prepaid mobile subscription or somebody else s prepaid mobile subscription Withdraw money Walk into any YES Bank branch ATM near you and withdraw cash powered by NOKIA 5 Mobile money services by YES BANK You can choose from two types of prepaid accounts Easy pay Pay utility bills Recharge prepaid To sign up show any identity card and fill in a simple form Note Cash withdrawal is not permitted with this prepaid account The maximum balance permitted is Rs 10 000 There is no minimum balance Easy send Pay utility and other bills Recharge prepaid e Send money to other mobile money services users Withdraw cash from a YES Bank branch or ATM Pay participating merchants or stores 6 Mobile money services by YES BANK To sign up show any identity card and address proof and fill up a simple form Note Cash withdrawal is permitted with this prepaid account The maximum balance permitted is Rs 50 000 and there is no minimum balance aE n Register for Services Nokia Agents Nokia Agents Deposit Cash
14. nd add billers on the basis of Biller location Category and name View billers add new billers 1 Open the application in your mobile phone and Login Pay bills Billers New bill New bill View billers Il Biller Biller 2 Goto Main Menu due bills MyMobile MyMobile Amount Rs Amount Rs 100 100 3 Select Pay Bills gt View Billers 4 If you have not added any billers the message There are no billers listed Have you added billers before will be displayed Enter PIN code 5 Click Yes if you have added the billers a list of registered billers will be displayed Options Select Back Options Pay Back Next Clear Send Clear Step Step3 SEDE 6 If you have not added any billers before then Click No to add new billers powered by powerei NOKIA 18 19 Mobile money services by YES BANK 8 You need to now choose the biller You can search for and choose the biller in one of 2 ways 7 Select Add Billers option in next screen a Search by Biller Code a list of billers supported and their codes is given in the annexure for easy reference b Search by biller location category and name To do this type of search follow these steps e Click Search Biller Select the area where the biller is located Select the Biller Category such as Charity Electricity Gas Mobile etc Enter the biller name You need to enter th
15. nue to sign in after entering your new password Mobile money services by YES BANK After confirming your details the application will take some time to configure and activate your profile During this time the application will show the message Activating Account This may take a while You may exit at any time The service will open automatically when ready Kindly be patient through this phase You may close the application and restart it after a few minutes and you should be able to see your application start up If you still see this message then please close the application restart the phone and reopen the application After full configuration the application will start up and open up for full use powered by New user Activate Money Existing user View licence agreement Help Select Exit New user Temporary PIN Date of birth 01 01 1980 Mother s date of birth 01 01 1950 Create password abc Options Next Clear Step 1 Step 2 9 Mobile money services by YES BANK Mobile money services by YES BANK Once your application is active and fully configured please ask the mobile money services agent for assistance in depositing the money into your account and start experiencing the convenience of mobile paym
16. powered by powered by NOKIA NOKIA 5 31 Check balance amp transaction history Mobile money services by YES BANK 8 Account Management Follow the steps below to check your transaction history Login and go to Main Menu gt Transactions Select Failed Submitted Particular date or Today option e Failed Transactions that were not processed Submitted Transactions that have been dispatched but not yet processed Please wait for a few minutes for the request to be pro cessed In case the status remains Submit ted you can click on the Resend option to resend it powered by NOKIA oat Transactions Balance 100 00 15 10 2009 02 38 PM Failed Submitted 14 10 2009 Today Options Open Back Transactions Balance 100 00 15 10 2009 02 38 PM Anamika Jain Rs 10 00 15 10 2009 Options Open Back Mobile money services by YES BANK Change and reset password Follow the steps below to change your password Go to Options gt Settings and select Change Password Enter Current Password Enter New Password Confirm new password Your password will be changed immediately Follow the steps below to reset your password Go to the Login screen select Options and select Reset Password e Enter your New Password Re enter New Password Enter PIN to confirm powered by 33 Mobile money s
17. procedure to send an invite to your contacts aw to register for mobile money services Login and go to Main Menu gt Invite Friend Select Search for contacts and select the contact you want to invite from your contacts list e The and contact number will be displayed Click Send to invite 10 Invite Friend In case of a new contact select Menu gt New Contact enter the mobile number and click Send powered by NOKIA Mobile money services by YES BANK I 1l Abot eee 1 About The About option displays the following information about the application installed on your phone Copyright notice e Version number Follow the steps given below to view the above details e lick on Options in the main menu Select About from the list of available choices under Options You can see the copyright notice and version number of the application powered by 37 Mobile money services by YES BANK 12 User Information The User information section under Options displays the following information Your Name Your mobile number Name of the bank offering the service 13 Help The Help option provides a brief description of the features available in the mobile application Follow the steps given below to view Help Click on Options in the main menu Select Help from the list of available choices under Options ia powered by
18. share your PIN or password with anyone The transmission of transactions is done over SMS with encrypted content to prevent unauthorised tampering of your transactions In case you lose your mobile phone your money is safe as it is stored with the bank History of transactions are stored securely In case of any abnormal or suspicious activity you are requested to call customer service with specific details powered by Al Mobile money services by 16 Transaction Limits Transaction Type Min Rs Max Rs Deposit Cash 50 50 000 Pay Bills Top Ups 50 50 000 Transaction Type Min Rs Max Rs Deposit Cash 50 50 000 Withdraw Cash 50 50 000 Pay Bills Top Ups Pay merchants Send Money 50 30 000 50 20 000 powered by NOKIA Rs 50 is the minimum allowed withdrawal at a YES Bank Branch The withdrawal at any YES Bank ATM will be subject to minimum amount allowed by the ATM Mobile money services by Max Limits Daily Weekly Monthly Transaction Type Daily Rs Weekly Max Rs Monthly Max Rs Deposit Cash 10 000 35 000 1 50 000 Pay Bills Top Ups 10 000 35 000 1 50 000 Transaction Type Daily Max Rs Weekly Max Rs Monthly Max Rs Deposit Cash 50 000 1 75 000 7 50 000 Withdraw Cash 50 000 1 75 000 5 00 000 Pay Bills Top Ups 20 000 70 000 3 00 000 Pay merchants send Money 30 000 1 20 000 240 000 43 Mobile money services by to mobile money service Congra
19. t and load cash e Visit our web site www mobilemoneyservices co in or call customer support 1800 3000 1122 Visit an authorised mobile money services Agent along with an ID e Forsecurity purposes usethefeature Verify Agentin the application toverify authenticity and active status of the Agent Give cash to the Agent and show ID proof The Agent will instantly credit it to your account after confirming your identity e You can start making payments instantly using your mobile You will get an SMS with your new account balance and a transaction ID powered by NOKIA zs Initial registration and ATM card issuance 1 On completion of Easy Send application process if Mobile money services by YES BANK In case of any disputes call customer support on 1800 3000 1122 4 ATM Card If you choose to go for an Easy Send account an optional ATM card will be provided which will help you to withdraw cash from your mobile money services account at YES Bank s ATMs you choose to opt for the ATM Card please ensure you deposit sufficient funds in your mobile money services account to cover any applicable card issuance fee and service tax on that fee For updated information on fees required for the ATM card issuance please visit our website http www mobilemoneyservices co in or call customer support powered by 13 Mobile money services by KY Whenyoureceive the ATM card fromthe Agent please checkto
20. tulations on your mobile money services prepaid account powered by Nokia You are now part of the fast growing mobile money services family Mobile money services is a secured prepaid wallet that offers you a convenient way to Pay bills Buy goods and services and Send money Mobile money services is brought to you through a partnership between YES Bank and Obopay powered by NOKIA 45
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