USSD based mobile banking for Money Transfer [Hindi]

India cashless economy ki road tezzi se aage badh rha hai aur iss demonetization ne toh Digital India ki raftaar double kardi. Aaj cash crunch ke chalte, kaafi smartphone users digital wallets par aa gye hai. Par rural India and non smartphone users abhi bhi cash ke chakar mein pade hue hai. USSD based banking system un logon ke liye ram ban ilaj ban kar aaya hai. Kai baar internet nahi hota toh hum smartphone users bhi USSD ka fyada le sakte hai.

Bhai Kaam Kaise karta hai ???

USSD ka matlab hai hai Unstructured Supplementary Service Data jise National Unified USSD Platform (NUUP), aapke bank aur telecom operator ke milke develop kiya. Ye aapke GSM network ko use karke bank se communicate karta hai and transaction process karta bina inernet ko use kiye.

Iss saath sath appko 11 regional langauge ka support bhi milta hai aur short codes ko use karke aap man pasand langauge mein USSD ko use kar sakte hai.

Hindi (*99*22#), Marathi (*99*28#), Bengali (*99*29#), Punjabi (*99*30#), Kannada (*99*26#), Gujarati (*99*27#), Tamil (*99*23#), Telugu (*99*24#), Malayalam (*99*25#), Oriya (*99*32#) and Assamese (*99*31#).

Chaliye toh fir shuru karte hai USSD use kaise karte hai…

Sabse phele aapko chahiye a phone Nokia 1100 se lekar iPhone 7 mein se koi bhi lelo, bank account aur mobile number jo bank mein registered ho. Agar mobile number registered nahi hai toh bank mein jao, mobile banking ke liye form fill karke sumbit kardo. Bank aapko ek seven digit ka MMID (Mobile Money Identifier) number dega jisse aap USSD payment receive karne liye use karoge. MMID ke saath saath aapko four digit ka MPIN bhi chahiye transaction authenticate karne ke liye.

Dial *99# from your mobile

Dail karne ke baad aapko Welcome screen appear hogi and aapko bank choose karne ke liye 3 options milege

1. For State Bank of India, type sbi, for Oriental Bank of Commerce type obc, for ICICI type ici.

2. Ya phir aap Bank ke IFSC code ke phele 4 aakshar type karo, jaise State Bank of India ke liye SBIN, OBC ke liye ORBC, ICICI Bank ke liye ICIC.

3. Bank ke code ki 2 digits type karo.

Agar aapka bank State Bank of India hai, toh type sbi aur phir aapke bank ka menu open ho jayega.

Bank Options

• Aapko yahan par kaafi option milte hai jaise account balance, send money, MPIN.
• Agar aapko MMID nahi yaad toh 6 type karke send kardo aur aapki MMID display ho jayega.
• Aise hi aap MPIN bhi badal sakte hai 7 type karo aur phir naya MPIN set kardo.
• Aap apne account ka mini statement bhi generate kar sakte hai. Bas 2 type kijiye aur mini statement aapke mobile screen par.
• Account balance dekhne ke liye 1 type karo aur aapka balance aapki screen par.

Transferring Money using USSD

Bhai *99# dail aur bank select karne ke baad 3 type karke send kardo. Phir next menu mein aapne jisko paise bhejne hai uska mobile no. type karo and send.

Phir MMID type karo uss bande ki jisko aapne paise bhejne hai. Uske baad aap type kare amount Re. 1 se lekar Rs. 5000 tak. Aur aap remarks bhi de sakte hai taaki jab account statement dekhe toh aapko pta chal jaye ki aapne paise kyu diye the ya kisi diye. Remarks add karne ke liye enter ki hui amount ke baad space dekar remarks type kardo.

Iss photo mein aap dekh sakte hai maine Rs. 5 amount enter ki phir space dekar Test type kar diya. Send karne ke baad aap MPIN type karo aur phir space deke aapke account ke last 4 number type karo and Send ! Paise Transferred.

Har acchi chiz itni bhi acchi nahi hoti…

Ye service aap bina smartphone aur internet ke use kar sakte ho lekin yeh kaafi lamba process hai. USSD notification ke aane ke baad aapko 10 second ke andaar respond karna padta warna transaction cancelled aur phir saara process dobara se karo. Aane wale time mein iss mein improvement ki jarurat hai lekin abhi toh issi se kaam chalna padega.

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