INDE SMS banking

• Balance Inquiry
• Foreign Exchange Rate Inquiry
• Mini Statement
• Transfer of Funds
• Payment of Utility Bills
• Mobile Top Up
• Stop Cheque Payment
• Cheque Book Ordering
• Order Account Statement

Customer Initiated Features

1. BALANCE INQUIRY- Using this feature the customer will be able to get their up to minute account balance.

Format. 1. BAL*PIN - e.g. BAL*1035

Format. 2. BAL*PIN*ACCOUNT INDEX - The message format should be used if you have registered more than 1 account. Account index will represent the account from which you want your balance- e.g. BAL*1035*2

2. FOREIGN EXCHANGE RATE INQUIRY - Using this feature the customer will be able to get current foreign exhange rates.

Format. 1. FRX*PIN*CCY -This will return the exchange rate of the specified rate

Format. 2. FRX*PIN - This will return rates for the four major trading currencies: USD, GBP, ZAR, EURO.

3. MINI STATEMENT - Using this feature, customers will be able to get the last ten (10) transactions that went through their account.

Format: 1. MINI*PIN

Format: 2. MINI*PIN*ACCOUNT INDEX e.g. MINI*1035*1

Features 4-6, the user will send an instruction to the bank and outcome shall be movement of funds between accounts and a confirmation to the user regarding success of instruction.

4. TRANSFER OF FUNDS - Using this feature, customers will be able to to move funds between registered accounts.

Format: FT*PIN*AMOUNT*ACCOUNT INDEX>ACCOUNT INDEX - e.g. FT*1035*5000*1>2

5. PAYMENT OF UTILITIES -Using this feature, customer will be able to pay water bills. The water account for which to settle the bill will have to be registered when registering for the SMS service.

Format: WATER*PIN*AMOUNT - e.g. WATER*1035*2300

6. MOBILE TOP UP - Using this feature, customers will be able to buy airtime (units) using funds in the account. The system will return to the custome a code the customer will use to top up their units.

Format: TOPUP*PIN*UNITS - e.g. TOPUP*1035*250

For features 7 - 10, the user will send a request to the bank and this will generate an instruction via e-mail to responsible officers within the bank to process the request. A confirmation of request recieved will be sent to the customer.

7. STOP CHEQUE - Using this feature, the customer will be able to instruct the bank to make a stop payment on a specified cheque or specified range of cheque range. The message will trigger generation of an e-mail message to relavant authorities in the bank containing instructions to stop specified cheque.

1. Stopping a single cheque: STOP*PIN*CHEQUE NUMBER* ACCOUNT INDEX

2. Stopping a range: STOP*PIN*CHEQUE NUMBER - CHEQUE NUMBER*ACCOUNT INDEX*

8. CHEQUE BOOK ORDERING - This feature will enable the customer to place an order for a cheque book for a specified account. An e-mail will be generated and sent to responsible officers.

Format: CHQ*PIN*NUMBER OF LEAVES*ACCOUNT INDEX

9. ORDER A STATEMENT - This feature will enable the customer to order a statement for a specified account. an e-mail will generated and sent to the responsilbe officers

Format: STM*PIN*ACCOUNT INDEX

10. CHANGE PIN - Format: PIN*<OLD PIN>*<NEW PIN>* - e.g. To change pin from 1035 to 4080, following sms will have to be sent PIN*1035*4080

Feature 11, will be used by the bank to notify the customers of any development or marketing information.

11. Customer notifications: Specific transaction will result in the system sending advices/messages to the user.

Bank Initiated Features

The transaction to trigger advices are embodied in features 12 - 17.

12. Big credit/debit advice

13. Salary credit advice

14. Overdrawn account advice

15. Unpaid cheque advice

16. Cleared Cheque advice

17. Daily account balance advice (days closing balance)