User Manual Oracle FLEXCUBE Direct Banking Java Application

User Manual Oracle FLEXCUBE Direct Banking Java Application
Oracle FLEXCUBE Direct
Banking
Java Application Based Rich Mobile Banking
User Manual
Release 12.0.3.0.0
Part No. E52543-01
April 2014
Java Application Based Rich Mobile Banking User Manual
April 2014
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Mumbai, Maharashtra 400 063
India
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Phone: +91 22 6718 3000
Fax: +91 22 6718 3001
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User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
ii
Contents
1.
2.
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2.
3.
4.
5.
6.
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34.
35.
36.
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39.
40.
41.
42.
43.
44.
45.
46.
47.
48.
49.
Preface ................................................................................................................................................. 5
Transaction Host Integration Matrix ................................................................................................. 6
Log In ................................................................................................................................................. 11
Logout ............................................................................................................................................... 13
Pre-Login Transactions ................................................................................................................... 14
Online Application Process ............................................................................................................. 16
Account Details ................................................................................................................................ 42
Account Activity ............................................................................................................................... 45
My Accounts ..................................................................................................................................... 49
Adhoc Statement .............................................................................................................................. 51
Stop Cheque ..................................................................................................................................... 55
My Cheques ................................................................................................................................... 58
New Cheque Book ......................................................................................................................... 60
Loan Details ................................................................................................................................... 63
Financing Details .......................................................................................................................... 67
Mail Box.......................................................................................................................................... 71
Forex Inquiry.................................................................................................................................. 81
Beneficiary Maintenance .............................................................................................................. 84
Own Account Transfer .................................................................................................................. 89
Internal Transfer ............................................................................................................................ 95
Domestic Transfer ....................................................................................................................... 104
International Account Transfer .................................................................................................. 121
My Schedule Payment ................................................................................................................ 126
Pay Bill ......................................................................................................................................... 130
View Initiated Transactions ........................................................................................................ 133
Security Questions ..................................................................................................................... 137
Manage Profile ............................................................................................................................. 139
Register P2P Beneficiary ............................................................................................................ 143
Peer Beneficiary Registration .................................................................................................... 147
P2P Payments.............................................................................................................................. 151
P2P NFC Pay ................................................................................................................................ 157
P2P Transfer ................................................................................................................................ 158
P2P-QR Pay.................................................................................................................................. 161
View Received P2P Payments ................................................................................................... 162
Register Biller .............................................................................................................................. 165
Delete Biller.................................................................................................................................. 169
Term Deposit Details .................................................................................................................. 172
Open Term Deposit ..................................................................................................................... 178
Deposit Redemption ................................................................................................................... 189
Top- Up Details ............................................................................................................................ 197
Transaction to Authorize ............................................................................................................ 201
E-Receipt ...................................................................................................................................... 205
Change Password ....................................................................................................................... 206
Credit Card Details ...................................................................................................................... 213
Credit Card Statement ................................................................................................................ 217
Credit Card Payment ................................................................................................................... 220
Credit Card Hotlisting ................................................................................................................. 223
Force Change Password ............................................................................................................ 229
Contract Deposits ....................................................................................................................... 233
Buy Funds .................................................................................................................................... 237
Redeem Funds............................................................................................................................. 243
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
iii
50.
51.
52.
53.
54.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.
66.
67.
68.
Portfolio ........................................................................................................................................ 248
Switch Funds ............................................................................................................................... 251
Order Status................................................................................................................................. 256
Transaction Password Behavior ............................................................................................... 260
ATM Branch Locator ................................................................................................................... 263
Reminders .................................................................................................................................... 265
Deposit Calculator ...................................................................................................................... 271
Savings Calculator ...................................................................................................................... 275
Foreign Exchange Calculator .................................................................................................... 279
Loan Eligibility Calculator .......................................................................................................... 281
Budget Calculator ....................................................................................................................... 282
Offers ............................................................................................................................................ 285
Live Help/Call ............................................................................................................................... 287
Alerts ............................................................................................................................................ 288
Budgeting..................................................................................................................................... 302
Spending Analysis ...................................................................................................................... 312
Goal Calculator to View Indicative Savings ............................................................................. 322
Creating Goal ............................................................................................................................... 325
Options Available for Goal ......................................................................................................... 335
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
iv
Preface
1.
1.1
Preface
Intended Audience
This document intended for the following audience:
1.2

Customers

Partners
Documentation Accessibility
For information about Oracle's commitment to accessibility, visit the Oracle Accessibility Program
website at http://www.oracle.com/pls/topic/lookup?ctx=acc&id=docacc.
1.3
Access to OFSS Support
https://support.us.oracle.com
1.4
Structure
This manual is organized into the following categories:
Preface gives information on the intended audience. It also describes the overall structure of the
User Manual
Transaction Host Integration Matrix provides information on host integration requirements for the
transactions covered in the User Manual
Introduction provides brief information on the overall functionality covered in the User Manual
Chapters post Introduction are dedicated to individual transactions and its details, covered in the
User Manual
1.5
Related Information Sources
For more information on Oracle FLEXCUBE Direct Banking Release 12.0.3.0.0, refer to the
following documents:

Oracle FLEXCUBE Direct Banking Licensing Guide

Oracle FLEXCUBE Direct Banking Installation Manuals
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
5
Transaction
2.
Host Integration Matrix
Transaction Host Integration Matrix
Legends
NH
No Host Interface Required

Host Interface to be developed separately

Pre integrated Host interface available

Pre integrated Host interface not available
Y
Yes
N
No
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Qualified with
Mobile Enabler
Log In
NH
NH
Y
Log Out
NH
NH
Y
Pre-Login
Transactions
NH
NH

Online Application
Process
NH
NH

Account Activity



Account Details



Account Summary



My Accounts



Ad-hoc Account
Statement Request



Stop /Unblock Cheque
Request



Cheque Status Inquiry



Cheque Book Request



Loan Details



Financing Details



Mail Box
NH
NH

Exchange Rate
Inquiry



User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
6
Transaction
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Host Integration Matrix
Qualified with
Mobile Enabler
Beneficiary
Maintenance
NH
NH

Own Account Transfer



Internal Account
Transfer



Domestic Account
Transfer



International Account
Transfer



My Scheduled
Payment



Pay Bill



View Initiated
transactions
Y


NH
NH

Register P2P
Beneficiary



Peer Beneficiary
Registration



P2P Payments



P2P NFC Pay



P2P QR Pay



View Received P2P
Payments



Register Biller



NH
NH

Term Deposit Details



Open Term Deposit



Redeem Term Deposit



Top-Up TD



Transactions to
Authorize



Security Questions
Delete Biller
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Transaction
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Host Integration Matrix
Qualified with
Mobile Enabler



Change Password
NH
NH

Credit Card Details



Credit Card Payment
NA


Credit Card Statement



Force Change
Password
NH
NH
Y
Contract TD View



Buy Mutual Funds
NH
NH

Redeem Mutual Fund



Portfolio



Switch Mutual Fund



Order Status



Transaction Password
Behavior
NH
NH
Y
ATM Branch Locator
NH
NH

Reminders



Registration



Deposit Calculator
NH
NH

Savings Calculator
NH
NH

Foreign Exchange
Calculator
NH
NH

Loan Eligibility
Calculator
NH
NH

Offers
NH
NH

Help
NH
NH

Alerts



Budgeting


N
NH
NH
N
E-Receipt
Budget Calculator
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Transaction
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Host Integration Matrix
Qualified with
Mobile Enabler
Set Budget
NH
NH
N
Modify Budget
NH
NH
N
View Expenses Vs
Budget


N
Budget History


N
Delete Budget
NH
NH
N
Spending Analysis


N
Categories in the
Spending Analysis


N
Sub-Categories in the
Spending Analysis


N
Re-Categorization


N
Adding a new
Category or SubCategory


N
Deleting an Existing
Category or SubCategory


N
Compare with Peers


N
Working of Goal
Settings


N
NH
NH
N
Creating Goal


N
Options Available for
Goal


N
Fund Goal


N
Modify Goal


N
Share Goal
NH
NH
N
Transactions in View
Goal


N
Request Contribution
to the Goal
NH
NH
N
Goal Calculator to
View Indicative
Savings
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Transaction
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Host Integration Matrix
Qualified with
Mobile Enabler


N
NH
NH
N
Benchmarking –
Compare Goals


N
Redeem Goal


N
Goal Contribution
Add participants to the
Goal
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
10
Log
In
1. Log In
This option allows you to perform the transaction through FLEXCUBE Direct Banking system
using the Java based mobile.
To Login into the J2ME based Mobile Banking Application:
1. Download the FCDB application in the Java enabled mobile phone. The system displays the
initial screen to launch the application.
List of Apps
2. Select the Launch option. The system displays the Login screen.
Login
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
11
Log
In
3. Type the Username and Password provided to login into the application.
4. Click Login. The system displays the following page.
Menu
5. Select any transaction icon by using Up\Down scroll key and then the Select key to proceed with
that transaction.0.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Logout
2. Logout
This option enables you to log off from the application.
To log out of the J2ME based Mobile Banking Application:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select the encircled Exit button from the Options in the Menu screen as shown below.0.
Menu
The system displays the Initial Launch screen.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Pre-Login Transactions
3. Pre-Login Transactions
These are the transactions that you can perform without logging into the application. These
options are available on the Login screen as shown below.
Login
As shown in the above screen, you can perform the following pre-login transactions.

ATM Branch Locator: This enables user to search ATMs and Bank Branches across any
location. It also displays maps along with the ATM Bank Branch address. For further details,
please refer to the ATM Branch Locator section.

Contact Us: Using this option, a user can contact bank for any required information or
queries.

Offers and Services: This option enables user to view various offers available. For further
details, please refer to the Offers and Services section.

Forgot Password: This feature is used to reset a password.

Received Payment: This feature is used to view all the payments received by the logged-in
user.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Pre-Login Transactions

Products: This feature is mainly available for prospect users who can view the details of the
various products available with the bank.

View Applications: This feature is used to view the list of existing applications submitted by
the logged-in user.

Goals: This feature allows you to set a goal with the help of the Goal Calculator.

Budget Calculator: This feature helps to calculate the budget based on the values entered.

Help: This option enables user to ask for any help and get in contact with bank officials.

Exit: This option allows user to exit from the application.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
15
Online Application Process
4. Online Application Process
The Online Application Process is used for a new account opening process to avail the Offers
and Services provided by the bank. It helps you to apply online for the desired product.
Note: The entire application process is similar for all the types of customers, such as - Existing,
Registered and the Prospects.
The initial data requirement may vary depending upon the Type of Customer and the Type of
Product.
For the Existing Customer:
1. Login to the Mobile Banking Application.
2. Click Products from Products and Offers.0.
Products
The following page is displayed.
Options
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Note: Please refer to the individual sections to apply online for the respective products.
For the Registered Customer:
1. Click the Login icon available on the Home page.
Home Page
The following Login page is displayed.
Login Page
2. Enter the valid credentials.
3. Click Options as shown in the following screenshot.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Login
The following pop-up is displayed.
Options for Login
4. Select the Register Now option from the pop-up. The following page is displayed.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Channel On-boarding – Existing Customer?
5. Select Yes.
6. Click Continue. The following page is displayed.
Channel On-boarding – Relationship Type
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Field Description
Field Name
Description
Online Application Form
Relationship Type
[Dropdown]
Select the desired Relationship Type from the dropdown.



Exit
Saving Account Customer
Credit Card Customer
Loans/Deposits Customer
[Action Button]
Click Exit to end the process.
Submit
[Action Button]
Click Submit to submit the details.
Channel On-boarding – Relationship Type
The following page is displayed.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Saving Account Customer
Field Description
Field Name
Description
Online Application Form
Customer ID
[Mandatory, Input Box, 20]
Enter the appropriate Customer ID.
Account Number
[Mandatory, Input box, 20]
This field is enabled only when Relationship Type selected is
Saving Account Customer.
Enter the appropriate Account Number.
First Name
[Mandatory, Input box, 35]
Enter the desired First Name.
Last Name
[Mandatory, Input Box, 35]
Enter the desired Last Name.
7. Enter the appropriate details in the respective fields.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Saving Account Customer Details
Field Description
Field Name
Description
Online Application Form
Customer ID
[Mandatory, Input Box, 20]
Enter the appropriate Customer ID.
Account Number
[Mandatory, Input box, 20]
Enter the appropriate Account Number.
First Name
[Mandatory, Input box, 20]
Enter the appropriate First Name.
Last Name
[Mandatory, Input Box, 20]
Enter the appropriate Last Name.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Saving Account Customer Details
Field Description
Field Name
Description
Online Application Form
Login Password
[Mandatory, Input Box, 20]
Enter the desired Login Password.
Confirm Login
Password
[Mandatory, Input box, 20]
Transaction
Password
[Mandatory, Input box, 20]
Confirm
Transaction
Password
[Mandatory, Input Box, 20]
Options
[Action Button]
Re-Enter the desired Login Password.
Enter the desired Transaction Password.
Re-Enter the desired Transaction Password.
Click Options to select the desired option from the following:





Cancel
View Messages
View User ID Policy
View Login Password Policy
View Transaction Password Policy
Submit
[Action Button]
Click Cancel to cancel the process.
8. Select Submit from Options.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Submit Details
The screen displays the Success Message for the user enrollment.
Success Message
9. Click OK. The following page is displayed.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Successful Registration
10. Click OK from Options. The Login page is displayed.0.
Note: The Re-Login and follow the process for the Existing Customer of the bank.
For the Prospect Customer:
1. Select Products on the Home page, as shown in the following screenshot:
Home Page
The following page is displayed.
2. Select the appropriate Product Type.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Product Category
Field Description
Field Name
Description
Online Application Form
Products
[Radio Buttons]
Select the desired Product Type from the following:


Exit
Personal
Corporate
[Action Button]
Click Exit to end the process.
Next
[Action Button]
Click Next to continue with the process.
3. Select the desired Product Group.0.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Product Showcase
Field Description
Field Name
Description
Online Application Form
Products
[Radio Buttons]
Select the desired option from the following:




Exit
Business Loans
Current Accounts
Savings Accounts
Trade Loans
[Action Button]
Click Exit to end the process.
Options
[Action Button]
Click Options to select the desired option:




Next
Back
View Application Status
Exit
Note: Please refer to the Product - Current Accounts Overdraft to apply online for the remaining
products.
Certain fields are product-specific and are mandatory.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
27
Online Application Process
4.1
Current Accounts Overdraft
The user can follow the procedure below to fill the Online Application Form for the Current
Accounts.
To create a new Current Account Overdraft:
1. Click Current Accounts on the Product Group page, as shown in the following screenshot.
Product Group
The following page is displayed.
Product Group – Current Accounts
2. Click the Current Accounts Overdraft. The following page is displayed.
3. Select Next from Options. The following page is displayed.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Current Accounts Overdraft
4. Select Apply Now from Options, as shown in the following screenshot:
Options
The following page is displayed.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Are You an Existing Customer?
5. Select Yes.
6. Select Continue from Options.
Existing Customer Details
Field Description
Field Name
Description
Existing Customer Details
Are you an
existing customer
of the bank
[Display]
It displays the selected option, either Yes or No.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Field Name
Description
Relationship Type
[Dropdown]
This field appears only if you are an existing customer of the bank.
Select the desired option from the following:



Credit Card
Number
Savings Account Customer
Credit Card Customer
Loans/Deposits Customer
[Conditional, Input Box, 20]
This field is enabled only when the Relationship Type is Credit
Card Customer.
Enter the appropriate Credit Card Number.
Customer ID /
Account Number
[Mandatory, Input Box, 20]
Enter the appropriate Customer ID/Account Number.
Current Account Overdraft - Online Application Form
Field Description
Field Name
Description
Online Application Form
Date of Birth
[Date-Picker]
Select the appropriate Birth Date from the Date-Picker.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Field Name
Description
City
[Dropdown]
Select the appropriate City from the following:


Mobile Number
Mumbai
Delhi
[Mandatory, Input Box, 15]
Enter the appropriate Mobile Number.
Email Address
[Mandatory, Input Box, 255]
Enter the valid Email ID.
Preferred Date of
Contact
[Date-Picker]
Preferred Time of
Contact
[Dropdown]
Options
[Action Button]
Select the desired Date of contact from the Date-Picker.
Select the desired Time from the dropdown.
Select the desired option from the following values:



Exit
Continue
Cancel
Exit
[Action Button]
Click Exit to cancel the application process.
7. Once the appropriate details are entered in the respective section.
8. Click Continue from Options. The following page is displayed.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
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Online Application Process
Current Account Overdraft - Online Application Form
Field Description
Field Name
Description
Online Application Form
Type of
Ownership
[Mandatory, Dropdown]
Select the appropriate Type of Ownership from the dropdown:





Others
Company
Other
Partnership Firm
Sole Proprietor
Trust Association
[Conditional, Input Box, 50]
This field is enabled only when the Type of Ownership selected is
Other.
Type of Business
[Dropdown]
Select the appropriate Type of Business from the following:




Others
Manufacturing
Other
Retail
Services
[Conditional, Input Box, 50]
This field is enabled only when the Type of Business selected is
Other.
User Manual Oracle FLEXCUBE Direct Banking Java Application Based Rich Mobile Banking
33
Online Application Process
Current Account Overdraft - Online Application Form
Field Description
Name of Business
[Mandatory, Input Box, 100]
Enter the appropriate Name of Business.
Currency
[Dropdown]
Select the desired Currency from the system-configured options.
Annual Turnover
[Mandatory, Input Box, 20]
Enter the appropriate value for Annual Turnover.
Overdraft Limit
Required?
[Dropdown]
Select the desired Options from the following values:


Continue
Yes
No
[Action Button]
Select Continue to proceed with the application.
Exit
[Action Button]
Click Exit to cancel the application process.
9. Once the appropriate details are entered in the respective section, click Continue from Options.
The following page is displayed.
Upload Document
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Online Application Process
Field Description
Field Name
Description
Upload Document
Document Type
[Dropdown]
Select the desired Document Type from the system-configured
dropdown values.
Options
[Action Button]
Select Options to select the desired option from the following:



Exit
Upload File
Continue
Exit
[Action Button]
Click Exit to cancel the application process.
10. Select Upload File. The following page is displayed.
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Online Application Process
Attachments
Field Description
Field Name
Description
Attachments
Add Attachments
[Action Button]
Click Add Attachments to add more attachments to the uploaded
document list.
Attachments Done
[Action Button]
Click Attachments Done if all the required documents are
uploaded.
Show / Delete
Attachments
[Action Button]
Click Show / Delete Attachments to view and delete the
uploaded docs from the list, if required.
11. Once done with the attachment uploading, click Continue from Options. The following page is
displayed.
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Online Application Process
Current Account Overdraft - Online Application Form
12. Click Yes to proceed further. The following page is displayed.
Current Account Overdraft - Online Application Form
13. Once the Terms and Conditions are accepted, click Continue from Options. The following page
is displayed.
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Online Application Process
Current Accounts Overdraft – Online Application Form – Security Code
Field Description
Field Name
Description
Security Code
Captcha Image
[Display]
Displays the Security Code.
Security Code
[Mandatory, Input Box]
Enter the above Security Code.
Options
[Action Button]
Click Continue from Options.
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Online Application Process
Current Account Overdraft - Online Application Form – Verify
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Online Application Process
14. Once all the information is verified, click Confirm from Options. The following Confirmed page is
displayed.
Current Account Overdraft - Online Application Form – Confirm
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Online Application Process
15. Click OK.0.
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Account Details
5. Account Details
This feature provides all the Current and Saving Account Details. It also provides the Current
Balances and with its respective Currency Type details.
To View the Account Details:
1. Log on to the J2ME based Mobile Banking Application.
2. Select Accounts > Currents and Savings > Account Details icon from the menu. The system
displays the Account Details screen.
Account Details
Field Description
Field Name
Description
Select Account
[Mandatory, Drop down]
Select the account from the list for viewing the details.
3. Select Submit from Options. The system displays the Account Details screen.
OR
Select Home from Options to return to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the Sub-Menu screen.
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Account Details
Account Details
Field Description
Field Name
Description
Customer Id
[Display]
This field displays the Customer Id of the user.
Account Number
[Display]
This field displays the Account Number of the customer’s
account.
Current Balance
[Display]
This field displays the Current Balance of the account along with
the account currency.
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Account Details
Field Name
Description
Un-Cleared Funds
[Display]
This field displays the funds in the account that are not cleared
with the base currency in the account.
Overdraft Limit
[Display]
This field displays the un-cleared funds of the account.
Net Available
Balance for
Withdrawal
[Display]
This field displays the Net Available Balance for withdrawal.
4. Select Back from Options to navigate to the previous screen.
OR
Select Home from Options to return to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Account Activity
6. Account Activity
Using this option, you can get the Account Activity Details for a selected account and for a
specified period.
To View the Account Activity Details:
1. Log on to the J2ME based Mobile Banking Application.
2. Select Accounts > Account Activity icon from menu using up\down scroll key and the select
key. The system displays the Account Activity screen.
Account Activity
Field Description
Field Name
Description
Select Account
[Mandatory, Dropdown]
Select the account from the dropdown list for Account Activity.
Search By
[Mandatory, Dropdown]
Select the Search By option for account activity to be displayed
from the dropdown list.
The options are:



From Date
Last 2 Days
Last 5 Days
Between Two dates
[Conditional, Alphanumeric, 10]
Type the date from which the account activity is to be viewed.
This field is applicable on selecting between two dates option in
search by field.
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Account Activity
Field Name
Description
To Date
[Conditional, Alphanumeric, 10]
Type the date to which the Account Activity is to be viewed.
This field is applicable on selecting between two dates option in
search by field.
3. Select Submit from the options. The system displays the Account Activity screen.
OR
Select Exit from the options to exit from the application.
OR
Select Home from the options to navigate to the menu screen.
OR
Select Menu from the options to return to the Sub-Menu screen.
Account Activity
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Account Activity
Field Description
Field Name
Description
Account Number
[Display]
This field displays the Account Number of the Customer.
This field is not displayed in case of pagination.
Opening Balance
[Display]
This field displays the Opening Balance of the account.
This field is not displayed in case of pagination.
Closing Balance
[Display]
This field displays the Closing Balance of the account.
This field is not displayed in case of pagination.
Transaction Date
[Display]
This field displays the date on which the transaction is carried
Out.
Value Date
[Display]
This field displays the Value Date of the transaction.
Description
[Display]
This field displays the Description of the transaction.
Transaction
Reference Number
[Display]
User Reference
Number
[Display]
This field displays the Transaction Reference Number.
This field displays the User Reference Number.
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Account Activity
Field Name
Description
Credit Amount
[Display]
This field displays the Amount of the transaction.
4. Select Back from Options to navigate to the previous screen.0.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the Sub-Menu.
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My Accounts
7. My Accounts
The Account Summary provides a summarized view of all the accounts mapped to the customer
id.
To View the Account Summary:
1. Log on to the J2ME based Mobile Banking Application.
2. Select Accounts > My Accounts icon from the menu using up\down scroll keys. The system
displays the My Accounts screen.
My Accounts
Field Description
Field Name
Record No.
Description
[Display]
This field displays the Record Number.
Account
[Display]
This field displays the Account Number selected from the dropdown.
Current Balance
[Display]
This field displays the Balance Available in the account with
currency.
Customer Id
[Display]
This field displays the Customer Id of the user.
3. Select Home from Options to go to the main Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Next Page, Last Page, Previous Page, and First Page from the menu to navigate to the
respective page.
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My Accounts
OR
Select Menu from Options to return to the sub menu screen.
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Adhoc Statement
8. Adhoc Statement
This menu allows you to request for an account statement for the period specified.
To Request the Adhoc Statement:
1. Log on to the J2ME based Mobile Banking Application.
2. Select Accounts > Adhoc Statement icon from menu using Up\Down scroll keys and the select
key. The system displays the Adhoc Statement screen.
Adhoc Statement Request
Field Description
Field Name
Account Type
Description
[Mandatory, Drop down]
Select the Type of Account for which statement request is to be
made.
3. Select Submit from Options. The system displays the Adhoc Statement screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to go the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
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Adhoc Statement
Adhoc Statement
Field Description
Field Name
Account Type
Description
[Display]
This field displays the Account Type selected in the previous screen.
Select Account
[Mandatory, Drop down]
Select the Account Number Radio button from the list of accounts.
From Date
[Mandatory, Alphanumeric, 10]
Type the From Date as the Start Date for the Adhoc statement.
To Date
[Mandatory, Alphanumeric, 10]
Type the To Date as the End Date for the Adhoc statement.
4. Select Submit from Options. The system displays the Adhoc Statement Verify screen.
OR
Select Back from Options to return to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to go to the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
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Adhoc Statement
Adhoc Statement Verify
5. Select Confirm from Options. The system displays the Adhoc Statement Confirm screen. OR
Select Change from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Menu from Options to return to the sub menu screen.
Adhoc Statement Confirm
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Adhoc Statement
6. Select Home from Options to get back to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select OK from Options. The initial Adhoc Statement screen is displayed.
OR
Select Menu from Options to return to the sub menu screen.
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Stop
Cheque
9. Stop Cheque
This menu allows you to stop the Unpaid Cheque Issued from the account or unblock a
blocked/stopped cheque. You can stop or unblock a single cheque.
To Stop a Cheque:
1. Log on to the J2ME based Mobile Banking Application.
2. Select Services > Cheques > Stop Cheque icon from the menu using up\down scroll keys and
the select key. The system displays the Stop Cheque screen.
Stop Cheque
Field Description
Field Name
Description
Select Action
[Mandatory, Dropdown]
Select the action to be performed i.e. Stop or Cancel from the
dropdown list.
Select Account
[Mandatory, Dropdown]
Select the Account for which the request is being made from the
dropdown list.
Cheque Number
[Mandatory, Numeric, 20]
Input the Valid Cheque Number which has to be stopped or
unblocked.
Reason
[Mandatory, Alphanumeric, 40]
Input the reason of Stop or Unblock Of cheque for reference.
This field displays an optional field for Cancel stopped cheque.
3.
Enter the relevant details.
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Stop Cheque
4. Select Submit form Options. The system displays the Stop Cheque Verify screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Menu from Options to return to the sub menu screen.
Stop Cheque Verify
5. Select Confirm from Options. The system displays the Stop Cheque Confirm screen.
OR
Select Change from Options to return to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Menu from Options to return to the Sub-Menu screen.
Stop Cheque Confirm
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Stop Cheque
6. Select Home from Options to navigate to the Menu screen.
OR
Select Menu from Options to get back to the Sub-Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select OK from Options to navigate to the Stop Cheque Initial screen.
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My
Cheques
10. My Cheques
This menu enables you to view the status of the issued cheque.
To Inquire the Cheque Status:
1. Log on to the J2ME based Mobile Banking Application.
2. Select Cheques > My Cheques icon from the menu using Up\Down scroll keys and then press
the Select key. The system displays the My Cheques screen.
My Cheques
Field Description
Field Name
Description
Select Account
[Mandatory, Drop down]
Select the account for which the cheque status is to be inquired.
Cheque Number
[Mandatory, Numeric, 20]
Type the cheque number for which status is to be inquired.
3. Select Submit from Options. The system displays the My Cheques screen with the cheque status
details.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Menu from Options to get back to the sub menu screen.
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My Cheques
My Cheques
Field Description
Field Name
Description
Account
[Display]
This field displays the Account Number.
Cheque Number
[Display]
This field displays the Cheque Number.
Cheque Status
[Display]
This field displays the Cheque Status.
Amount
[Display]
This field displays the Cheque Amount.
4. Select Back from Options to navigate to the previous screen.0.
OR
Select Home from Options to get back to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to get back to the sub menu screen.
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New Cheque
11.
Book
New Cheque Book
This menu enables you to place a request for a new cheque book to the bank.
To Request the Cheque Book:
1. Log on to the J2ME based Mobile Banking Application.
2. Select Services > Cheques > Request Cheque Book icon from the menu using Up\Down scroll
keys and then press the Select key. The system displays the New Cheque Book screen.
New Cheque Book
Field Description
Field Name
Description
Select Account
[Mandatory, Drop down]
Select the account for which the new cheque book is to be issued.
Cheque Book
Option
[Mandatory, Drop down]
Select the Cheque Book option. The options are:



Mode of Delivery
Cheque Book With 10 Leaves
Cheque Book With 25 Leaves
Cheque Book With 50 leaves
[Mandatory, Drop down]
Select the Mode of Delivery for the Cheque Book. The options
are:


Branch
Courier
3. Select Submit from Options. The system displays the New Cheque Book – Verify screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
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New Cheque Book
OR
Select Menu from Options to get back to the Sub-Menu screen.
New Cheque Book – Verify
4. Select Confirm from Options. The system displays the New Cheque Book – Confirm screen.
OR
Select Change from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Menu from Options to get back to the Sub-Menu screen.
New Cheque Book – Confirm
5. Select Home from Options to get back to the Menu screen.0.
OR
Select View Messages from Options to view the messages.
OR
Select Exit from Options to exit from the application.
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New Cheque Book
OR
Select Ok from Options. The initial New Cheque Book screen is displayed.
OR
Select Menu from Options to return to the sub menu screen.
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Loan
12.
Details
Loan Details
This allows you to view all the relevant details of the loan accounts.
To View the Loan Details:
1. Log on to the J2ME based Mobile Banking Application.
2. Select My Loans > Loan Details icon from the menu by using the up/down arrow keys. The
system displays the Loan Details screen.
Loan Details
Field Description
Field Name
Description
Account
[Mandatory, Drop down]
Select the account for which loan details is to be viewed.
3. Select Submit from Options. The system displays the Loan Details screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Loan Details
Loan Details
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Loan Details
Field Description
Field Name
Description
Account Details
Account
[Display]
This field displays the Account Number of the Customer for the
Loan Amount.
Customer Id
[Display]
This field displays the Customer Id of the Customer.
Product Name
[Display]
This field displays the Product Name of the Loan Account.
Loan Details
Sanctioned Loan
Amount
[Display]
Interest Rate
[Display]
This field displays the Approved Loan Amount.
This field displays the Rate of Interest charged for the loan.
Maturity Date
[Display]
This field displays the Loan Maturity Date.
Disbursed Loan
Amount
[Display]
This field displays the Loan Amount disbursed till date.
Outstanding Loan Details
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Loan Details
Field Name
Description
Principal Balance
[Display]
This field displays the Principal Balance from the loan account.
Next Installment
Date
[Display]
Next Installment
Amount
[Display]
Installment
Arrears
[Display]
Loan Outstanding
[Display]
This field displays the Date for the next installment.
This field displays the Amount for the next installment.
This field displays the installment arrears for the Loan Account.
This field displays the Loan Outstanding Amount that has to be
paid.
4. Select Home from Options to get back to the Menu screen.0.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Financing Details
13.
Financing Details
This allows you to view all the relevant details of the Islamic Finance Accounts.
To View the Financing Details:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select My Loans > Financing Details icon from the menu by using the up/down arrow keys. The
system displays the Financing Details screen.
Financing Details
Field Description
Field Name
Description
Account
[Mandatory, Dropdown]
Select the account from the dropdown list.
3. Select Submit from Options. The system displays the Loan Details screen.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Financing Details
Financing Account Details
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Financing Details
Field Description
Field Name
Description
Account Details
Account
[Display]
This field displays the account numbers under a particular
Customer ID.
Customer Id
[Display]
This field displays the Customer Id of the selected account.
Product Name
[Display]
This field displays the financing Product Name.
Financing Details
Amount Financed
[Display]
This field displays the Financed Amount.
Profit Rate
[Display]
This field displays the Profit Rate applicable to the financing
account.
Maturity Date
[Display]
This field displays the Maturity Date of the financing account.
Lease Type
[Display]
This field displays the Type of the Lease.
This field is displayed when the selected account is opened under
IJARAHA or TAWAROOQ product.
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Financing Details
Field Name
Description
Lease Payment
Mode
[Display]
This field displays the type of payment mode opted.
This field is displayed when the selected account is opened under
IJARAHA or TAWAROOQ product.
Outstanding Financing Details
Principal Balance
[Display]
This field displays the Outstanding Principle Balance on the Loan
Account as on date.
Next Installment
Date
[Display]
Next Installment
Amount
[Display]
Installment
Arrears
[Display]
Outstanding
Finance Amount
[Display]
This field displays the Due Date of the next installment.
This field displays the Next Installment Amount.
This field displays the Unpaid Installment Amount.
This field displays the Outstanding Finance Amount to be paid.
4. Select Home from Options to get back to the Menu screen.0.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Mail
14.
Box
Mail Box
This option allows you to communicate with the Bank Administrator.
To Access the Mailbox options:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Services > Mailbox icon from the menu. The system displays the Mailbox screen.
3. Select Compose from Options. The system displays the Compose Message screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Menu from Options to return to the sub menu screen.
OR
Select Interactions from the dropdown and click Submit from Options. The system displays the
Interactions / Inbox screen.
Inbox
4. Select the message from the dropdown.
5. Select View from Options. The system displays the View Inbox screen.
OR
Select ATG from Options to call bank officials for any clarification.
OR
Select Back from Options to return to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Menu from Options to return to the sub menu screen.
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Mail Box
14.1
Inbox
Message Details
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Mail Box
6. Select Back from Options to return to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
OR
Select ATG from Options to call bank officials for any clarification.
OR
Select Reply from Options to reply to the current message.
7. Select Bulletin from Options. The system displays the View Bulletin screen.
14.2
Bulletin
View Bulletin
8. Select the message to be viewed from the dropdown list.
9. Select View from Options. The system displays the message in the Bulletins screen.
OR
Select ATG from Options to call bank officials for any clarification.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
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Mail Box
Bulletins
10. Select Back from Options to return to the previous screen.
OR
Select Exit from Options to exit the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
11. Click Sent Messages on the mailbox screen from Options. The system displays the Sent
Messages screen.
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Mail Box
14.3
Sent Messages
Sent Messages
12. Select the message to be viewed using up/down arrow keys and then the Select key.
13. Select View from Options. The system displays the message in the Sent Message screen.
OR
Select ATG from Options to call bank officials for any clarification.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
Sent Messages
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Mail Box
14. Select Home from Options to navigate to the menu screen.
OR
Select ATG from Options to call bank officials for any clarification.
OR
Select Back from Options to return to the previous screen.
OR
Select Exit from Options to exit the application.
OR
Select Menu from Options to return to the sub menu screen.
OR
Select Forward from Options to forward the current message.
14.4
Compose
Compose
15. Click the value – Inbox from Options menu. The system displays the following pop up.
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Mail Box
Compose from Options
16. Select the Compose option to compose any message.
You can also view Alerts & Tasks by selecting those options from the first screen shown above.
Mailbox
17. Select the Subject and Customer using up/down arrow keys and then the Select key.
18. In case if the subject selected is “I will type my own subject”, then you can type your customized
subject in the Custom Subject field.
19. Enter the message (mandatory).
20. Select Exit from Options to exit from the application.
OR
Select Inbox from Options to return to the Inbox screen.
OR
Select ATG from Options to call bank officials for any clarification.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
OR
Select Add Attachment from Options to add any attachment to the message. The system
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Mail Box
displays the Screen 1.
OR
Click Send from Options. The system displays the following Confirmation screen for the message
sent as shown in the Screen 2.
Compose
21. Click Add Attachments to attach any document. The system opens one alert screen to browse
and select file to be attached.
OR
Click the Show/Delete Attachments to view or delete any of the attachments.
OR
Click Attachments Done when attachments are finished. The system returns to the following
screen.
Note: The maximum number of images than can be attached is 5. The size of any image should
not be greater than 1 MB & overall size of all the attachments should not exceed 2 MB.
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Mail Box
Mailbox
22. Select Exit from Options to exit from the application.
OR
Select Inbox from Options to return to the Inbox screen.
OR
Select ATG from Options to call bank officials for any clarification.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Menu from Options to return to the sub Menu screen.
OR
Select Add Attachment from Options to add any attachment to the message. The system
displays the following screen.
OR
Click Send from Options. The system displays the following Confirmation screen for the message
sent.
Mailbox
23. Select Exit from Options to exit from the application.
OR
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Mail Box
Select OK from Options to return to the compose message screen.
OR
Select ATG from Options to call bank officials for any clarification.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Menu from Options to return to the sub menu screen.
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Forex Inquiry
15.
Forex Inquiry
This menu enables you to inquire the latest exchange rate for various foreign currencies. The
exchange rates are displayed against the base currency of FLEXCUBE Direct Banking.
To Inquire the Foreign Exchange Rates:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Customer services > Exchange Rate Inquiry from the menu using up\down scroll keys
and click the select key.
3. Select the Submit option. The system displays the Foreign Exchange Rate Inquiry screen.
Foreign Exchange Rate Inquiry
Field Description
Field Name
Description
From Currency
[Display]
This field displays the Base Currency to enquire the exchange
rate.
To Currency
[Mandatory, Dropdown]
Select the currency to which the Exchange Rate is being asked for
from the dropdown list.
4. Select the desired value for To Currency.
5. Select Submit from Options. The system displays the Foreign Exchange Rate Inquiry screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Menu from Options to return to the sub menu screen.
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Forex Inquiry
Foreign Exchange Rate Inquiry
Field Description
Field Name
Description
Foreign Rate Unit
[Display]
This field displays the Foreign Rate Unit Currency.
To Currency
[Display]
This field displays the Currency to which the Exchange Rate is
being asked for.
Cash Buy
[Display]
This field displays the rate at which the bank will buy the Foreign
Currency in Cash Transaction.
Cash Sell
[Display]
This field displays the rate at which the bank will sell the Foreign
Currency in a Cash Transaction.
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Forex Inquiry
Field Name
Description
TT Buy
[Display]
This field displays the rate at which the bank will buy the Foreign
Currency in a Telegraphic Transfer.
TT Sell
[Display]
This field displays the rate at which the bank will sell the foreign
currency in a telegraphic transfer.
6. Select Home from Options to get back to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
OR
Select Back from Options to return to the previous screen.
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Beneficiary
16.
Maintenance
Beneficiary Maintenance
A business user having access to Beneficiary Maintenance can maintain beneficiary. You can
also specify if the beneficiary template created is available to other users of the same Primary
Customer ID by specifying the Template Access Level as Public.
If the template is created with the Template Access Level as Private, it is available only to the
user who has created it.
The Search criteria allow searching the beneficiary templates created earlier. The Beneficiary
Maintenance is supported for the following Transactions.

Domestic Transfer

Internal Transfer

International Transfer
To Navigate through Beneficiary Maintenance:
1. Navigate through the menus to Transfers > Beneficiary Maintenance.
Beneficiary Maintenance
Field Description
Field Name
Transaction Type
Description
[Mandatory, Drop-Down]
Select the Transaction Type, for which template is to be searched,
from the drop-down list.
2. Select any desired Transaction Type for which beneficiary is to be created.
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Beneficiary Maintenance
Create Bene
3. Click Create Bene from Options. Below shown is the screenshot for Domestic Account Transfer
Beneficiary.
Beneficiary Maintenance
Field Description
Field Name
Beneficiary ID
Description
[Mandatory, Alphanumeric, 10]
Type the Beneficiary ID
Beneficiary Name
[Mandatory, Alphanumeric, 35]
Type the Beneficiary Name
Account Type
[Mandatory, Drop down]
Select the Account Type
4. Click Submit from Options. It navigates you to the next screen as shown below:
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Beneficiary Maintenance
Domestic Transfer – Beneficiary
Field Description
Field Name
Description
Beneficiary Account [Mandatory, Alphanumeric, 35]
No
Type the Beneficiary Account Number
Beneficiary Email
[Optional, Alphanumeric, 35]
Type the Beneficiary Email ID
National Clearing
Code Type
[Optional, Drop-Down]
National Clearing
Codes
[Optional, Search, Lookup]
Select the National Clearing Code Type from the drop-down list
Click the Look Up icon to search the Beneficiary Bank/Branch Code
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Beneficiary Maintenance
Field Name
Visibility
Description
[Mandatory, Drop-Down]
Select the Beneficiary Access Level from the drop-down list
The options are:


Public
Private
5. Click the Look up button for National Clearing Code from Options. The system displays the
following screen.
Beneficiary Maintenance
6. Select any code and click the Submit option. The system returns to the following screen.
Beneficiary Maintenance Verify
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Beneficiary Maintenance
7. Click Submit from Options. The system displays the Confirm screen as shown below:
Beneficiary Maintenance Confirm
8. Click OK. The system displays the Initial Beneficiary Maintenance screen.
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Own Account Transfer
17.
Own Account Transfer
Using the Own Account Transfer option, you can initiate funds transfer between any of your
accounts, i.e. the accounts that are under the Customer IDs mapped to you. Such a transfer can
be done either by making a new payment transaction or by using the existing Beneficiary Details
(for example, templates) to make the payment. The payment can be processed immediately, or
on a specific future date, or you can set Recurring Instructions with the bank.
To do the Own Account Transfer:
1. You can navigate from Transfers > Own Account Transfer.
Own Account Transfer
Field Description
Field Name
Description
From Account
[Mandatory, Dropdown]
Select the Source Account. The drop down menu gives the list of
accounts.
To Account
[Mandatory, Dropdown]
Select the Destination Account. The drop down menu gives the
list of accounts.
Amount
[Mandatory, Numeric,15]
Type the Amount to be transferred in the destination account
currency.
Narrative
[Optional, Alphanumeric, 80]
Type the details of the payment.
2. Click Options menu in the above screen. The system displays the following pop over screen.
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Own Account Transfer
Own Account Transfer
Field Description
Field Name
Description
Pay Now
Click the Pay Now button to process the funds transfer
immediately.
The transfer can be done in any of the three modes:



Pay Now
Pay Later
Pay Periodically
by setting up the standing instruction.
Pay Later
Click the Pay Later button to make the funds transfer on a future
date.
Note: The Pay Later transactions are future dated transactions. Hence all the Pay
Later payments will be available under My Scheduled Payment. For further
details, please refer to the My Schedule Payment section.
Pay Periodically
Setup Standing
Instruction
Note: The Transfer Date to be selected should lie between
the Start Date and the End Date.
Start Date – Current Date + No of days (1 to 20)
End Date – Current Date + 365 Days
If the Transfer Date happens to be a non-working day or a
holiday, then the transaction is processed on the next
working day.
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Own Account Transfer
Field Name
Description
Pay Now
Click the Pay Now button to process the funds transfer
immediately.
The transfer can be done in any of the three modes:



Pay Now
Pay Later
Pay Periodically
by setting up the standing instruction.
Payment
Execution
Frequency when
Pay Periodically is
selected
Select the Standing Instruction execution frequency for the Funds
Transfer from the pop over.
The options are:








Cancel
Daily
Weekly
Fortnightly
Monthly
Bi-Monthly
Quarterly
Half -Yearly
Yearly
Select Cancel to cancel the transaction.
3. Below shown is when the Pay Now is clicked. The system asks for any future date at which
payment is to be made.
Own Account Transfer – Pay Now
Field Description
Field Name
Description
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Own Account Transfer
Pay Now
Transfer Date
[Conditional, Date-Picker]
This field is displayed when the Payment Option selected is Pay
Now.
Select the desired Transfer Date using the Date-Picker.
Pay Periodically
From Date
[Conditional, Date-Picker]
This field is displayed when the Payment Option selected is Pay
Periodically.
Select the desired From Date.
To Date
[Conditional, Date-Picker]
This field is displayed when the Payment Option selected is Pay
Periodically.
Select the desired To Date.
Frequency
[Conditional, Dropdown]
Select the desired frequency from the dropdown.
Cancel
[Action Button]
Select Cancel to cancel the transaction.
Submit
[Action Button]
Click Submit to proceed with the transaction.
4. Click Submit from Options. The following Alert is displayed.
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Own Account Transfer
Alert
5. Click OK.
6. The system displays the Own Account Transfer – Verify screen as shown below:
Own Account Transfer – Verify
7. Click the Change button to change the entered information.
OR
Click the Confirm button from Options. The system displays the Own Account Transfer – Confirm
screen.
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Own Account Transfer
Own Account Transfer - Confirm
8. Click OK button from Options. The Domestic Payment Confirm screen is displayed.
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Internal
18.
Transfer
Internal Transfer
This menu enables you to initiate an internal transfer. The Internal Transfer is the transfer of
amount within different accounts of the same bank.
To do the Domestic Account Transfer:
1. Navigate through the menus to Transfers > Internal Transfer.
Internal Transfer – Initiate
2. Select the desired Beneficiary Type and click Continue from Options. The system displays the
following Internal Transfer screen.
Internal Transfer
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Internal Transfer
Field Description
Field Name
Description
Select Beneficiary
[Mandatory, Dropdown]
Select the desired beneficiary from the dropdown.
From Account
[Mandatory, Dropdown]
Select the desired source account from the dropdown - From
Account for the Internal Transfer.
Amount
[Mandatory, Numeric, 15]
Type the desired Amount for the transfer.
Currency
[Mandatory, Drop-down]
Select the appropriate Currency Type.
Purpose of
Remittance
[Mandatory, Dropdown]
Other
[Conditional, Input Box, 35*2]
Select the Purpose of Remittance from dropdown.
This field is available only if the “Other” option is selected from the
dropdown available for remittance.
Narrative
[Optional, Alphanumeric, 35]
Type the Narrative for the transaction.
View Bene Details
[Action Button]
Click this button to check the Beneficiary Details.
Pay Now
[Action Button]
Click this button to make an immediate payment.
Pay On
[Action Button]
Click this button to make a payment on the selected date.
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Internal Transfer
Field Name
Description
Pay Periodically
[Action Button]
Click this button to make a payment on the periodic basis with SI
Execution.
Cancel
[Action Button]
Click Cancel to cancel the transaction.
3. Click Continue from Options. If the user clicks Pay Later, then the following page is displayed.
Internal Transfer – Transfer Date
4. Select the desired Transfer Date from the Date-Picker.
Internal Transfer – Transfer To – Make New Payment
5. Click Continue from Options. The following page is displayed.
Internal Transfer
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Internal Transfer
Field Description
Field Name
Description
Beneficiary
Account Number
[Mandatory, Input Box]
Beneficiary
Search
[Mandatory, Dropdown]
Beneficiary Email
[Mandatory, Alphanumeric, 255, Special characters are allowed]
Enter the appropriate Beneficiary Account Number in the
respective input field.
Select the desired Beneficiary from the dropdown.
Enter the appropriate Beneficiary Email in the respective input
field.
From Account
[Mandatory, Dropdown]
Select the desired Source Account from the dropdown - From
Account for the Internal Transfer.
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Internal Transfer
Field Name
Description
Amount
[Mandatory, Numeric, 15]
Type the Amount for the transfer.
Currency
[Mandatory, Drop-down]
Select the appropriate Currency Type.
Purpose of
Remittance
[Mandatory, Dropdown]
Other
[Conditional, Input Box, 35*2]
Select the Purpose of Remittance from the dropdown.
This field is available only if the “Other” option is selected from the
dropdown available for remittance.
Narrative
[Optional, Alphanumeric, 35]
Type the Narrative for the transaction.
View Bene Details
[Action Button]
Click this button to check the Beneficiary Details.
Pay Now
[Action Button]
Click this button to make an immediate payment.
Pay On
[Action Button]
Click this button to make a payment on the selected date.
Note: The Pay Later transactions are future dated transactions. Hence all the Pay
Later payments will be available under My Scheduled Payment. Refer to the My
Schedule Payment section for further details.
Pay Periodically
Setup Standing
Instruction
[Action Button]
From Date
[Conditional, Date-Picker]
Click this button to make a payment on the periodic basis with SI
Execution.
This field is available only when the Payment Type selected is Pay
Periodically.
Select the desired From Date using the date-picker.
To Date
[Conditional, Date-Picker]
This field is available only when the Payment Type selected is Pay
Periodically.
Select the desired To Date using the date-picker.
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Internal Transfer
Field Name
Description
Payment
Execution
Frequency when
Pay Periodically is
selected
[Conditional, Dropdown]
This field is available only when the Payment Type selected is
Pay Periodically.
Select the Standing Instruction Execution Frequency for the funds
transfer from the pop over.
The options are:








Submit
Daily
Weekly
Fortnightly
Monthly
Bi-Monthly
Quarterly
Half –Yearly
Yearly
[Action Button]
Click Submit to submit the details.
Cancel
[Action Button]
Click Cancel to cancel the transaction.
6. Click Submit to submit the details and continue with the further process. The following Verify
page is displayed.
Internal Transfer – Verify
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Internal Transfer
7. Click Change from Options to make the changes to the details.
OR
Click Confirm to confirm the details. The following page is displayed.
Internal Transfer – Confirm
8. Click Back to go back to the Internal Transfer - Initiate page.
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Internal Transfer
Internal Transfer – Verify
9. Click View More to view all details.
OR
Click Confirm from Options. The system displays the Internal Transfer Confirm screen.
OR
Click the Change option. The system displays the Initial Internal Transfer screen.
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Internal Transfer
Internal Transfer – Confirm
10. Click the OK button. The system displays the Internal Transfer Confirm screen.
OR
Click the Download PDF button to download the PDF containing transfer details.
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Domestic Transfer
19.
Domestic Transfer
This menu enables you to initiate the Domestic Account Transfer. The Domestic Transfer is the
transfer of amount within the different accounts of the different bank.
To do the Domestic Account Transfer:
1. Navigate through the menus to Transfers > Domestic Payment. The following page is
displayed.
Transfer to Existing Beneficiary and Pay Later:
Domestic Payment – Initiate
2. Select the desired Beneficiary Type.
3. Click Continue from Options. The following page is displayed.
Domestic Payment – Initiate
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Domestic Transfer
Field Description
Field Name
Description
Select Beneficiary
[Mandatory, Dropdown]
Select the desired beneficiary from the dropdown.
From Account
[Mandatory, Dropdown]
Select the desired Source Account from the dropdown - From
Account for the Internal Transfer.
Amount
[Mandatory, Numeric, 15]
Type the Amount for the transfer.
Currency
[Mandatory, Drop-down]
Select the appropriate Currency Type.
Purpose
[Mandatory, Dropdown]
Select the Purpose of Remittance from the dropdown.
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Domestic Transfer
Field Name
Description
Other
[Conditional, Input Box, 35*2]
This field is available only if the “Other” option is selected from the
dropdown available for remittance.
Narrative
[Optional, Alphanumeric, 35]
Type the Narrative for the transaction.
4. Click Pay Now from Options to make an immediate payment. The following page is displayed.
Domestic Payment
5. Select the desired date using the Date-Picker.
If the user selects to make a new payment, then the following page is displayed.
Transfer To – Make New Payment
Domestic Payment – Make New Payment
6. Click Continue from Options. The following page is displayed.
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Domestic Transfer
Domestic Payment – Beneficiary Account Type
Pay Over the Counter
7. Select the Option - Pay Over the counter as a Beneficiary Account Type. The following page is
displayed.
Domestic Payment – Initiate
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Domestic Transfer
Field Description
Field Name
Description
Beneficiary Name
[Mandatory, Input Box, 35]
Enter the appropriate Beneficiary Account Number in the
respective input field.
Beneficiary
Address
[Mandatory, Input box, 35*2]
City
[Mandatory, Input Box, 35]
Enter the desired Beneficiary Address in the respective input field.
Enter the desired City in the respective input field.
Beneficiary Email
[Mandatory, Alphanumeric, 255, Special characters are allowed]
Enter the appropriate Beneficiary Email in the respective input
field.
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Domestic Transfer
Field Name
Description
Identification Type
[Conditional, Dropdown]
This field is available if the Beneficiary Account Type selected is –
Receive over the counter.
Select the desired Identification Type from the dropdown.
Identification
Reference Number
[Conditional]
This field is available if the Beneficiary Account Type selected is –
Receive over the counter.
Enter the appropriate Identification Reference Number.
Beneficiary Bank Details
Processing Mode
[Mandatory, Radio Button]
Select the desired value from the following:



Choose Network
[Mandatory, Radio Button]




Bank Code
Normal
Urgent
The Processing Mode value specific for China Region
NEFT
RTGS
IMPS
The Processing Mode value specific for Other Regions
[Mandatory, Radio Button]
Select the desired value from the following:



NEFT
RTGS
The Bank Code value specific for Other Regions
IFSC Code
[Display, Look up icon]
(in case of India)
Displays the Clearing Code for the Beneficiary Bank.
The values are auto-populated based on the Clearing Code
selection.
8. Click Continue from Options. The following page is displayed.
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Domestic Transfer
Domestic Payment
Field Description
From Account
[Mandatory, Dropdown]
Select the desired Source Account from the dropdown - From
Account for the Internal Transfer.
Amount
[Mandatory, Numeric, 15]
Type the Amount for the transfer.
Currency
[Mandatory, Drop-down]
Select the appropriate Currency Type.
Purpose
[Mandatory, Dropdown]
Select the Purpose of Remittance from the dropdown.
Other
[Conditional, Input Box, 35*2]
This field is available only if the “Other” option is selected from the
dropdown available for remittance.
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Domestic Transfer
From Account
[Mandatory, Dropdown]
Select the desired Source Account from the dropdown - From
Account for the Internal Transfer.
Narrative
[Optional, Alphanumeric, 35]
Type the Narrative for the transaction.
Transfer To – Deposit to Account
Transfer To – Make New Payment
9. Click Continue from Options.
Domestic Payment – Beneficiary Account Type
Deposit To Account
10. Click Continue from Options. The following page is displayed.
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Domestic Transfer
Domestic Payment
Field Name
Description
Beneficiary Name
[Mandatory, Input Box, 35]
Enter the appropriate Beneficiary Name in the respective input
field.
Beneficiary
Account Number
[Mandatory, Input box, 35]
Beneficiary Email
[Mandatory, Alphanumeric, 40, Special characters are allowed]
Enter the desired Beneficiary Account Number in the respective
input field.
Enter the appropriate Beneficiary Email in the input field.
View Bene Details
[Action Button]
Click this button to check the Beneficiary Details.
Pay Now
[Action Button]
Click this button to make an immediate payment.
Pay On
[Action Button]
Click this button to make a payment on the selected date.
Note: The Pay Later transactions are future dated
transactions. Hence all the Pay Later payments will be
available under My Scheduled Payment. Refer to the My
Schedule Payment section for further details.
Pay Periodically
Setup Standing
Instruction
[Action Button]
Click this button to make a payment on the periodic basis with SI
Execution.
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Domestic Transfer
Field Name
Description
From Date
[Conditional, Date-Picker]
This field is available only when the Payment Type selected is Pay
Periodically.
Select the desired From Date using the date-picker.
To Date
[Conditional, Date-Picker]
This field is available only when the Payment Type selected is Pay
Periodically.
Select the desired To Date using the date-picker.
Payment
Execution
Frequency when
Pay Periodically is
selected
[Conditional, Dropdown]
This field is available only when the Payment Type selected is Pay
Periodically.
Select the Standing Instruction Execution frequency for the funds
transfer from the pop over.
The options are:








Submit
Daily
Weekly
Fortnightly
Monthly
Bi-Monthly
Quarterly
Half –Yearly
Yearly
[Action Button]
Click Submit to submit the details.
Cancel
[Action Button]
Click Cancel to cancel the transaction.
Beneficiary Bank Details
Processing Mode
[Mandatory, Radio Button]
Select the desired value from the following:



Choose Network
Normal
Urgent
The Processing Mode value specific for China Region.
[Mandatory, Radio Button]




NEFT
RTGS
IMPS
The Processing Mode value specific for Other Regions.
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Domestic Transfer
Field Name
Description
Bank Code
[Mandatory, Radio Button]
Select the desired value from the following:



NEFT
RTGS
The Bank Code value specific for Other Regions.
IFSC Code
[Display, Look up icon]
(in case of India)
Displays the Clearing Code for the Beneficiary Bank.
The values are auto-populated based on the Clearing Code
selection.
View Bene Details
[Action Button]
Click this button to check the Beneficiary Details.
Pay Now
[Action Button]
Click this button to make an immediate payment.
Pay On
[Action Button]
Click this button to make a payment on the selected date.
Note: The Pay Later transactions are future dated transactions. Hence all the Pay
Later payments will be available under My Scheduled Payment. Refer to the My
Schedule Payment section for further details.
Pay Periodically
Setup Standing
Instruction
[Action Button]
From Date
[Conditional, Date-Picker]
Click this button to make a payment on the periodic basis with SI
Execution.
This field is available only when the Payment Type selected is Pay
Periodically.
Select the desired From Date using the date-picker.
To Date
[Conditional, Date-Picker]
This field is available only when the Payment Type selected is Pay
Periodically.
Select the desired To Date using the Date-Picker.
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Domestic Transfer
Field Name
Description
Payment
Execution
Frequency when
Pay Periodically is
selected
[Conditional, Dropdown]
This field is available only when the Payment Type selected is
Pay Periodically.
Select the Standing Instruction Execution frequency for the
Funds Transfer from the pop over.
The options are:








Submit
Daily
Weekly
Fortnightly
Monthly
Bi-Monthly
Quarterly
Half –Yearly
Yearly
[Action Button]
Click Submit to submit the details.
Cancel
[Action Button]
Click Cancel to cancel the transaction.
Domestic Payment
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Domestic Transfer
Field Description
Field Name
Description
From Account
[Mandatory, Dropdown]
Select the desired source account from the dropdown - From
Account for the Internal Transfer.
Amount
[Mandatory, Numeric, 15]
Type the Amount for the transfer.
Currency
[Mandatory, Drop-down]
Select the appropriate Currency Type.
Purpose
[Mandatory, Dropdown]
Select the Purpose of Remittance from the dropdown.
Other
[Conditional, Input Box, 35*2]
This field is available only if the “Other” option is selected from the
dropdown available for remittance.
Narrative
[Optional, Alphanumeric, 35]
Type the Narrative for the transaction.
11. Click Continue from Options. The following Verify screen for the beneficiary is displayed.
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Domestic Transfer
Domestic Payment – Registered Beneficiary Details – Verify
12. Click Continue from Options.
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Domestic Transfer
Make New Payment – Beneficiary Details – Verify
13. Click Submit from Options.
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Domestic Transfer
Make New Payment – Verify
14. Click Confirm from Options.
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Domestic Transfer
Domestic Payment – Success
Field Description
Field Name
Description
Transaction
Reference Number
[Display]
Amount
[Display]
Displays the Transaction Reference Number.
Displays the Amount.
Transaction Date
[Display]
Displays the Transaction Date.
15. Select OK to go back to the Domestic Payment – Initiate screen.
OR
Select Home from Options to go back to the Menu screen.
OR
Select View Messages from Options to view the messages.
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International
20.
Account Transfer
International Account Transfer
Using the International Transfer option, you can transfer funds globally, i.e., you can transfer
funds to any account in any bank across the globe. Such a transfer can be made either by using
an existing template or as a new payment transaction. The payment can be processed
immediately, or on a specific future date, or as per your standing instructions with the bank.
To Navigate to the International Account Transfer:
1. Navigate through the menus to Transfers > International Account Transfer.
International Account Transfer
Field Description
Field Name
Description
Transfer To
Existing
Beneficiary
[Optional, Pop over]
Make New
Payment
[Optional, Pop over]
Select the Existing Template option button to select the existing
payment template for funds transfer.
Select the Make New Payment option button to make a new funds
transfer entry. The transfer can be done either by using Existing
Payment Beneficiary or Make New Payment.
Below is shown for Existing Beneficiary.
2. Click the Submit button from Options. The system displays the following screen.
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International Account Transfer
International Account Transfer
Field Description
Field Name
Description
From Account
[Mandatory, Drop down]
Select the From Account as the Source Account for the
Domestic Payment.
Amount
[Mandatory, Numeric, 15]
Type the amount for the Domestic Payment.
Currency
[Mandatory, Drop down]
Select the Currency for the amount.
Payment Details 1
[Mandatory, Dropdown]
Select the desired Payment Details from the dropdown.
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International Account Transfer
Field Name
Description
Payment Details 2/3
[Optional, Input Box]
Enter the desired payment details.
Correspondence Charges
[Mandatory, Drop down]
Select the party bearing the charges for transaction.
Narrative
[Optional, Alphanumeric, 35]
Type the Narrative for the transfer for future reference.
Payment
[Mandatory, Drop down]
Instruction
Select the desired Payment Instructions to execute the
payment.




Pay Now
Pay Later
Pay Periodically
Default value will be Pay Now
Note: The Pay Later transactions are future dated transactions. Hence all the Pay
Later payments will be available under My Scheduled Payment. Refer to the My
Schedule Payment section for further details.
The below screenshot is shown for Pay Now option.
3. Click the Submit button. This displays the International Account Transfer – Verify screen.
International Account Transfer Verify
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International Account Transfer
4. Click the Confirm button to navigate to confirm the payment. The system displays Confirmation
screen.
International Account Transfer Confirm
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International Account Transfer
5. Select Home from Options to go back to the Menu screen.
OR
Select View Messages from Options to view the messages.
OR
Select OK from Options. The initial International Account Transfer screen is displayed.
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My
21.
Schedule Payment
My Schedule Payment
All the future dated transactions/payments can be viewed under the My Schedule Payment
section.
To View My Scheduled Payments:
1. Log on to the Client/Application based Mobile Banking.
2. Navigate to Transfers > My Schedule Payment. The system displays the My Schedule Payment
screen.
My Schedule Payment
Field Description
Field Name
Description
Source Account
[Mandatory, Drop down]
Select an account from which transfer is to be done.
Mode Of Transfer
[Mandatory, Drop down]
Select the Mode of Transfer. Options available are:



Cross Border
Within Bank
Within Country
3. Click the Submit button from Options. The system displays the following screen.
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My Schedule Payment
My Scheduled Payment
4. Click the select option tab to select the pending transfer to be viewed, as shown below.
5. Click the Get Details button from the options pop over. The system displays the details for the
selected Scheduled Pending Transfer Payment transaction.
My Schedule Payment
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My Schedule Payment
Field Description
Field Name
Description
Reference Number
Displays the SI Reference Number
Transfer Type
Displays the Standing Instruction
Start Date
Displays the Start Date of SI
End Date
Displays the End Date of SI
Frequency
Displays the Frequency of SI
Mode Of Transfer
Displays the Mode of Transfer scheduled by user
User Reference
Displays the Truncation Reference Number
Number
Source Account
Displays the Account for SI
Destination Account
Displays the Account for SI
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My Schedule Payment
Field Name
Description
Transfer Amount
Displays the Transfer Amount for SI
Currency
Displays the Currency for SI
Status
Displays the Status for SI
Narrative
Displays the Narrative for SI
6. Click Cancel from Options if you want to cancel this Pending Transfer transaction.
system asks for the confirmation as shown in the following screen.
The
Cancel the Transaction?
7. Select Yes from Options to confirm the cancellation. The system displays the following
confirmation screen.
Confirmation
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Pay Bill
22.
Pay Bill
This menu enables you to pay the Utility Bills for the Registered Billers with the bank.
To Pay the Bills:
1. Log on to the J2ME based Mobile Banking Application.
2. Select Bill Payments > Pay Bill icon from the menu using up/down arrow key and Select key. The
system displays the Pay Bills screen.
Pay Bills
Field Description
Field Name
Description
Select Biller
[Mandatory, Drop down]
Select the Name of the Biller Radio button.
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Pay Bill
Field Name
Description
Bill Number
[Mandatory, Alphanumeric,15]
Type the Bill Number for which payment is to be made.
Bill Generation
Date
[Mandatory, Alphanumeric, 10]
Payment Amount
[Mandatory, Alphanumeric,15]
Type the date on which the Bill Payment is due.
Type the Amount of Payment being done.
From Account
[Mandatory, Drop down]
Select the Account Number from which payment is to be done.
3. Select Submit from Options. The system displays the Pay Bill Verify screen.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
Pay Bill Verify
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Pay Bill
4. Select Confirm from Options. The system displays the Pay Bill Confirm screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Change from Options to navigate to previous screen.
OR
Select Menu from Options to return to the sub menu screen.
Pay Bill Confirm
5. Select Home from Options to get back to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
OR
Select Ok from Options. The initial Pay Bill screen is displayed.
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View Initiated
23.
Transactions
View Initiated Transactions
The user is able to view a list of all transactions initiated by all users mapped to his Customer ID.
The user is also able to view further details of any particular transaction.
To View Initiated Transactions:
1. Navigate to View Initiated Transactions through View Transactions sub-menu option. The
following page is displayed.
Select Transaction
Field Description
Field Name
Description
View Initiated Transactions
Select Transaction
[Mandatory, Drop down]
Select the desired Transaction Type from the dropdown.
2. Click Back from Options to go back to the previous screen.
OR
Click Continue from Options. The following page is displayed.
.
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View Initiated Transactions
View Initiated Transactions
Field Description
Field Name
Description
View Initiated Transactions
E-Banking
Reference Number
[Mandatory, Alphanumeric, Input Box, 16]
Name of the
Transaction Type
[Display]
Count of the
Transactions
[Display]
Transaction Link
[Link]
Enter the appropriate E-Banking Reference Number.
The name of the Transaction Type.
Displays the number of transactions selected for authorization.
Click the desired Transaction Link. On selecting the desired
Transaction Link, the transaction details are displayed where the
user can specify the action to be performed.
Search
[Action Button]
Click Search from Options to view all the transactions that have
been initiated by the user as per the Search Criteria entered.
3. Click Change from Options to change the Transaction Link.
OR
Click Continue from Options. The following page is displayed.
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View Initiated Transactions
View Initiated Transactions
Field Description
Field Name
Description
View Initiated Transactions
Transaction Type
[Display]
Displays the name of the Transaction Type is displayed.
Transaction
Reference
Number
[Display]
Created By
[Display]
Displays the Transaction Reference Number.
Displays the name of the initiator of this transaction.
Updated By
[Display]
Displays the name of the user who has updated this transaction.
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View Initiated Transactions
Field Name
Description
Status
[Display]
Displays the Status of the transaction.
Value Date
[Display]
Displays the Value Date of the transaction.
Created On
[Display]
Displays the Date and Time (with Time Zone) on which the
transaction was created.
Updated On
[Display]
Displays the User ID of the person who last updated the
transaction.
4. Click Back from Options to change the Transaction Link.
OR
Click OK from Options.
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Security Questions
24.
Security Questions
This feature helps you to reset the Security Questions.
1. Login using the appropriate Banking URL.
2. Navigate to Customer Services > Security Questions. The following page is displayed.
Security Questions
3. Enter the desired answers for the selected questions.
4. Click Confirm from Options. The following page is displayed.
Modify Security Questions
5. Verify the details and click Confirm from Options. The following Success Message is displayed.
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Security Questions
Alert
6. Click OK.0.
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Manage Profile
25.
Manage Profile
This feature helps you to view and modify registered peer beneficiaries.
To manage any profile:
1. Login to the Banking Application.
2. Click Transfers, as shown in the following screenshot.
Transfers
3. The following page is displayed. Click Claim / Manage Peer Account, as shown in the following
screenshot.
4. The following page is displayed. Click Options.
Manage Profile
5. Click Modify Profile, as shown in the following screenshot.
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Manage Profile
Modify Profile
6. The following page is displayed. Select the required Account Number from the dropdown. The
relevant details appear in the respective fields.
Modify Profile
7. Make the necessary changes and click Submit.
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Manage Profile
Submit Modified Profile
8. The Verify page for Modify Profile appears.
Verify Modify Profile
9. Click Confirm from Options.
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Manage Profile
Confirm Details
10. The following Success Message appears. Click OK.
Alert
11. Click OK.
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Register P2P Beneficiary
26.
Register P2P Beneficiary
This feature helps you to add new P2P Beneficiaries to your account.
1. Click Transfers.
Transfers
The following page is displayed.
2. Click Add Peer Beneficiaries from Transfers.
Add Peer Beneficiary
3. The Add Peer Beneficiary page is displayed. Enter the appropriate details in the respective
fields.
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Register P2P Beneficiary
Add Peer Beneficiary
4. Click Submit from Options.
Submit
5. The Verify page is displayed. Verify the details.
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Register P2P Beneficiary
Verify - Add Peer Beneficiary
6. Select Confirm from Options.
Confirm
7. The following Success Message appears. Click OK.0.
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Register P2P Beneficiary
Alert
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Peer Beneficiary Registration
27.
Peer Beneficiary Registration
This feature helps to register the peer beneficiaries.
To Register the Peer Beneficiary:
1. Click Beneficiaries from Transfers, as shown in the following screenshot.
Navigation – Transfers  Beneficiaries
The Peer Beneficiary Registration page is displayed.
2. Select the appropriate option from the dropdown.
Peer Beneficiary Registration
3. Click Continue from Options.
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Peer Beneficiary Registration
Register Without Using Security Code
The following page is displayed.
4. Make the necessary changes to the information.
Modify Peer Beneficiary Registration
5. Click Submit from Options.
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Peer Beneficiary Registration
Submit Peer Beneficiary Registration
6. Verify the details and click Confirm from Options.
Confirm Peer Beneficiary Details
7. The following Success Message appears. Click OK.
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Peer Beneficiary Registration
Alert
Note: For further process, please refer to the respective sections.
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P2P Payments
28.
P2P Payments
This feature helps user to make the peer to peer payments.
1. Once the required Peer Beneficiary is added, click Pay Now from Options.
Pay Now
The following page is displayed.
2. Select the desired ID Type from the dropdown.
Select ID Type
3. Click Continue from Options.
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P2P Payments
Continue with the selected ID Type
The following page is displayed.
4. Enter the appropriate information in the remaining fields.
Peer to Peer Payments
5. Select Continue from Options.
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P2P Payments
Continue with the selected Contact Type
The following fields appear.
6. Enter the required information for the respective fields.
Additional Information - I for the selected Contact Type
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P2P Payments
Additional Information - II for the selected Contact Type
Additional Information - III for the selected Contact Type
7. Select Pay Now from Options.
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P2P Payments
Peer To Peer Payments - Pay Now
8. The Verify page appears. Verify the details.
Peer To Peer Payments - Verify
9. Click Confirm from Options.
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P2P Payments
Peer To Peer Payments – Confirm – Verified Details
10. The following page is displayed. Click Confirm from Options.
Peer to Peer Payments – Confirm
11. Confirm the details from Options.
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P2P NFC Pay
29.
P2P NFC Pay
The transfer of funds between the peers through an application based phones should be provided
using the NFC Technology. Enabling this type of transfer through NFC based phones enables
fund transfer between the account holders of the same bank.
Note: Before proceeding further, please refer to the P2P Beneficiaries section.
1. Click Proximity Pay from Transfers, available in the More option.
2. Click the dropdown arrow of Proximity Pay. The extended list is displayed.
3. Select NFC.
Note: For the Send Money page, please refer to the following Field Description.
Field Description
Field Name
Description
Send Money
Source
From Account
[Dropdown]
Select the appropriate Account Number from the dropdown, from
which the amount is to be transferred.
Available Balance
[Display]
Displays the Available Balance for the account selected.
Transfer
Currency
[Dropdown]
Select the desired Currency Type from the dropdown.
Transfer Amount
[Mandatory, Numeric, Input Box, 15]
Enter the desired amount.
Narrative
[Optional, Input Box, 50]
Enter the desired description relevant to the transfer.
Pay Now
[Action Button]
Click Pay Now to make an immediate payment.
Back
[Action Button]
Click Back to go back to the previous screen.
4. Select the desired account for the payment. The Verify screen appears.
5. Verify the details and click Confirm.
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P2P Transfer
30.
P2P Transfer
This transaction enables you to send payments to the known email ids and contact (mobile
numbers).
Note: Before proceeding further, please refer to the P2P Beneficiaries section.
For P2P Transfer:
1. Log on to the J2ME Based Mobile Banking Application.
2. Navigate through Transfers> P2P Transfer from the menu. The system displays the Peer To
Peer Payments screen.
Peer To Peer Payments
Field Description
Field Name
Description
Select your Account
[Mandatory, Dropdown]
Select the desired Contact Type from the dropdown list.
3. Click Continue from Options. The system displays the following screen.
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P2P Transfer
Peer To Peer Payments
Field Description
Field Name
Description
Peer to Peer Payments
Contact
Type
[Dropdown]
Pay
[Conditional]
Select the desired Contact Type from the dropdown list.
If the Contact Type selected is “Listed” then the respective details are
fetched from the database.
Else, enter the details manually.
From
[Dropdown]
Select the desired Account Number from the dropdown.
Amount
[Mandatory, Input Box, 15]
Enter the desired amount.
Description
[Optional, Input Box, 50]
Enter the desired description, if any.
4. Make the desired changes and click Pay Now / Pay Later from Options.
5. The following Verify screen is displayed. Verify the details.
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P2P Transfer
Peer To Peer Payments –Verify
6. Click Confirm from Options.
7. Click OK.
8. Click Pay Now or Pay Later as per requirement.
Note: Please refer to the P2P Payments to complete the further transaction.
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P2P-QR Pay
31.
P2P-QR Pay
The transfer of funds between the peers through an application based phones can be provided by
scanning QR Codes using the camera from the device.
A business user will be able to transfer funds from their account to another user of the same bank
by scanning the QR code. The sender should be able to Scan QR Code from any flat surface
and read the Beneficiary Account Details.
The receiver of the payment should be able to generate the QR Code by specifying the Credit
Account No. The receiver will also be able to print and download the QR Code for future
reference. Once the sender scans the QR Code, an application should identify the Beneficiary
Account Details and initiate the transfer.
Note: Before proceeding further, please refer to the P2P Beneficiaries section.
To Proximity Pay QR Based:
1. Log on to the J2ME Based Mobile Banking Application.
2. Navigate through Transfers > P2P QR Pay from the menu. The system displays the Proximity
Pay-QR screen.
Proximity Pay-QR
Note: For the Proximity Pay-QR screen, please refer to the following field description.
Field Description
Field Name
Description
Select Transfer
choice
[Mandatory, Radio Button]
Source Account
[Mandatory, Dropdown]
Select the Transfer Type.
Select the Debit Account from which the payment shall be
made.
Transfer Amount
[Mandatory, Input box, 15]
Enter the Amount to be transferred.
Currency
[Mandatory, Dropdown]
Select the Currency of the amount being transferred.
3. Click Start Scan. The device camera is enabled and search for the QR Code to read the
beneficiary account details.
4. Focus your camera to QR Code and click Submit on the screen. The QR Verify screen is
displayed.
5. Click Continue button. The Confirmation page is displayed.
6. Click OK.
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View Received P2P Payments
32.
View Received P2P Payments
This transaction enables you to view the recent received payments to your account with details.
Note: Before proceeding further, please refer to the P2P Beneficiaries section.
To Pay the Bills:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Transfer > P2P Activity from the menu. The system displays the Received Payment
screen.
Received Payments
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View Received P2P Payments
Field Description
Field Name
Description
Date
[Display]
This field displays the date on which the transaction has been
generated.
Received From
[Display]
This field displays the name of the sender.
User Reference
[Display]
This field displays the User Reference Number generated for
transaction.
Amount
[Display]
This field displays the amount received from the sender.
Submit
[Action Button]
Select Submit from Options to view the details of the selected
transaction.
3. Click any transaction from the list you want to view. The system displays the Detailed Received
Payment screen.
Received Payment Details
Field Description
Field Name
Description
Reference Number
[Display]
This field displays the respective Reference Number of the
selected transaction.
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View Received P2P Payments
Field Name
Description
Host Reference
Number
[Display]
Dated
[Display]
This field displays the Host Reference Number of the transaction.
This field displays the date at which the transaction is made.
Currency
[Display]
This field displays the Currency Type.
Sender
[Display]
Displays the name of the sender.
Received From
Account
[Display]
Status
[Display]
Displays the respective Account Number of the sender.
Displays the Status of the transaction.
Value Date
[Display]
Displays the Date on which payment is received.
Transaction
[Display]
Displays the name of the transaction.
Created By
[Display]
Displays the name of the sender.
Updated By
[Display]
Displays the name of the user who last updated the transaction.
Amount
[Display]
Displays the received amount.
4. Click Back. The system displays the Initial Received Payment screen.
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Register Biller
33.
Register Biller
This menu enables you to register a biller to pay the Utility Bills through the bank.
To Register the Biller:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Bill Payment > Register Biller icon from the menu using up/down arrow key and Select
key. The system displays the Biller Information screen.
Biller Information
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Register Biller
Field Description
Field Name
Description
Biller Information
Biller Name
[Display]
This field displays the Name of the Biller.
Biller Nick Name
[Display]
This field displays the Nick Name of the Biller.
Registered On
[Display]
This field displays the Date on which the biller was registered.
Service Account
Number
[Display]
Customer Id
[Display]
This field displays the Account Number of the Customer for the
Bill Payment.
This field displays the Customer Id of the Biller.
3. Select Add Biller from Options. The system displays the Register Biller screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select First Page, Last Page, Next Page, and Previous Page from the menu to navigate to the
respective pages.
OR
Select Menu from Options to return to the sub menu screen.
Register Biller
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Register Biller
Field Description
Field Name
Description
Register Biller
Select Customer
[Mandatory, Drop down]
Select the Customer for which the biller is to be registered.
Select Biller
[Mandatory, Drop down]
Select the Biller from the list of the billers.
Service Account
Number
[Mandatory, Alphanumeric,15]
Biller Nick Name
[Mandatory, Alphanumeric,15]
Type the Service Account Number.
Type the Biller Nick Name.
4. Select Submit from Options. The system displays the Register Biller Verify screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
Register Biller Verify
5. Select Confirm from Options. The system displays the Register Biller Confirm screen.
OR
Select Change from Options to navigate to the previous screen.
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Register Biller
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Menu from Options to return to the sub menu screen.
Register Biller Confirm
6. Select Home from Options to get back to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select View Messages from Options to view the messages.
OR
Select OK from Options to navigate to the initial Biller Information screen.
OR
Select Menu from Options to return to the sub menu screen.
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Delete
34.
Biller
Delete Biller
This menu enables you to delete an already registered biller.
To Delete the Biller:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Bill Payment > Delete Biller icon from the menu using up/down arrow key and Select key.
The system displays the Delete Biller screen.
Delete Biller
Field Description
Field Name
Description
Biller Name
[Mandatory, Drop down]
Select the Biller from the list of the billers.
3. Select Submit from Options. The system displays the Delete Biller Verify screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Delete Biller
Delete Biller Verify
4. Select Confirm from Options. The system displays the Delete Biller Confirm screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
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Delete Biller
Delete Biller Confirm
5. Select Home from Options to get back to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select View Messages from Options to view the messages.
OR
Select OK from Options to navigate to the Delete Biller screen.
OR
Select Menu from Options to return to the sub menu screen.
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Term
35.
Deposit Details
Term Deposit Details
The Term Deposit Details transaction provides the user with all the details of the selected term
deposit. With this transaction the user gets information on the Type of Term Deposit, Currency of
the Deposit, Principal Amount and Interest Rate for all the deposits accounts maintained for all
the Customer Ids mapped to the user.
To View Term Deposit Details:
1. Navigate through menus, Accounts > Term Deposit Details to access the transaction Term
Deposit Details.
Deposit Details
Field Description
Field Name
Description
Deposit Details
Term Deposit Type
[Mandatory, Radio Button]
Select the desired Term Deposit Type from the following
options:


Select Account
Active Term Deposit
Closed Term Deposit
[Mandatory, List Box]
Select the desired Account from the available List.
Continue
Click Continue
transaction.
from
Options
to continue
Sign Out
Click Sign Out from Options to logout from the application.
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Term Deposit Details
Field Name
Description
Cancel
Click Cancel from Options to cancel the transaction.
2. Click Continue from Options. The following page is displayed.
Term Deposit Details - Select Account
3. Select the desired account from the dropdown.
4. Click Continue from Options. The following details page is displayed.
Details
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Term Deposit Details
5. Click View Redemption Details to go to the Redemption Details page.
Redemption Details
OR
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Term Deposit Details
6. Click View Top-Up Details to go to the Top-up Details page.
Top-Up Details
OR
7. Click Back to go back to the Deposit Summary page.
OR
Click Sign Out to sign out of the application.
For Example:
Deposit Details
Field Description
Field Name
Description
Select Account
[Mandatory, Drop down]
Select the account for which deposit details are to be viewed.
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Term Deposit Details
8. Select Submit from Options. The system displays the Deposit Details screen.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
Deposit Details
Field Description
Field Name
Description
Account Details
Customer Id
[Display]
This field displays the Customer Id of the Customer.
Deposit Account
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Term Deposit Details
Field Name
Description
Product Name
[Display]
This field displays the Product Name of the Term Deposit product.
Current Balance
[Display]
This field displays the Current Balance in the Term Deposit
Account.
Deposit Details
Deposit Date
[Display]
This field displays the Date of Deposit in the Term Deposit.
Maturity Date
[Display]
This field displays the Maturity Date of the Term Deposit.
Interest Rate
[Display]
This field displays the Interest Rate of the Term Deposit.
This field is applicable only for the conventional term deposit.
Profit Rate
[Display]
This field displays the Profit Rate of the Term Deposit.
This field is applicable only for Islamic Term Deposit.
Maturity Instructions
Rollover
Instructions
[Display]
This field displays the Rollover Instructions.
Payout Details
Payout Type
[Display]
This field displays the Payout Type.
Percentage
[Display]
This field displays the Percentage for payout.
Additional
Information
[Display]
This field displays the Account Number.
9. Select Home from Options to navigate to the Menu screen.
OR
Select Back from Options to return to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Open Term Deposit
36.
Open Term Deposit
This option allows you to open a new term deposit account with the bank.
To Open a term Deposit:
1. Navigate through menus, Accounts > Open Term Deposit to access the Open Term Deposit
transaction.
Open Term Deposit
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Open Term Deposit
Field Description
Field Name
Description
Customer Details
Holding Pattern
[Mandatory, pop over]
Select the appropriate Holding Pattern.
The option are as follows:
Joint Customer Id 1

Single: This option is selected for the single term
deposit account holder.

Joint: This option is selected for the joint account
holder.
[Conditional, Alphanumeric]
This field displays the Customer Id of the first joint account
holder.
This field is enabled only if the Holding Pattern selected is
Joint and will be mandatory.
Joint Customer Id 2
[Optional, Alphanumeric]
This field displays the Customer Id of the second joint
account holder.
This field is enabled only if the Holding Pattern selected is
Joint.
Note: The Customer Id cannot be same as the
Customer Id entered for first account holder.
Deposit Details
Deposit Product
[Mandatory, Pop Over]
Select the deposit product for which term deposit is to be
opened.
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Open Term Deposit
Open Term Deposit
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Open Term Deposit
Field Description
Field Name
Description
Source Account
[Mandatory, Pop Over]
Select the Source Account for the deposit from the pop
over. The amount required to be deposited in the newly
opened Term Deposit will be fetched from this account.
Deposit Amount
[Mandatory, Numeric, 15]
Type the amount to be deposited.
Minimum Period of
Deposit
[Display]
Maximum Period of
Deposit
[Display]
Minimum Deposit
Amount
[Display]
Maximum Deposit
Amount
[Display]
Displays the Minimum Period of Deposit.
Displays the Maximum Period of Deposit.
Displays the Minimum Deposit Amount.
Displays the Maximum Deposit Amount.
Deposit Amount in multiple of 1000
Choose
[Mandatory, Radio Button]
Select the desired option from the following:
 Period of Deposit
 Maturity Date
Choose Period of Deposit
[Conditional, Input Box]
This field is available only when the option selected is –
Period of Deposit.
Enter the values for Years, Months and Days in the
respective input box.
Maturity Date
[Conditional, Input Box, Date-Format – DD-MM-YYYY]
Enter the desired Maturity Date.
Note: The Maturity Date cannot be less than or equal to the current business
date. The Maturity Date cannot be less than the minimum period as specified by
the bank for the selected product.
View Interest and
Maturity Projection
[Action Button]
This button calculates the Maturity Amount and the Interest
Rate and displays the same on the next screen.
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Open Term Deposit
Field Name
Description
Source Account
[Mandatory, Pop Over]
Select the Source Account for the deposit from the pop
over. The amount required to be deposited in the newly
opened Term Deposit will be fetched from this account.
Cancel
[Action Button]
Click Cancel to cancel the process.
Continue
[Action Button]
Click Continue to proceed with the Term Deposit process.
The following page is displayed.
Open Term Deposit
Field Description
Field Name
Description
Maturity Amount and Interest
Maturity Amount
[Display]
Displays the Maturity Amount.
Interest Rate
[Display]
Displays the Rate of Interest.
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Open Term Deposit
Field Name
Description
Maturity Amount and Interest
Maturity Instructions
[Mandatory, Drop-Down]
Select the Maturity Instruction for the deposit from the
drop-down list.
The options for the Conventional Deposit Products are as
follows:




Close on Maturity (No Rollover)
Renew Principal and Interest
Renew principal and Payout the interest
Renew Special Amount and Pay Out the
remaining amount
The options for the Islamic Deposit Products are as
follows:




Close on Maturity (No Rollover)
Renew Principal and Profit
Renew principal and Payout the profit
Renew Special Amount and Pay Out the
remaining amount
Default value is Close on Maturity.
2. Click Continue from Options. The following page is displayed.
Account Transfer Details
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Open Term Deposit
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Open Term Deposit
Field Description
Field Name
Description
Transfer To (Account
Transfer options)
[Conditional, Pop Over]
Select the account to which the Principal and Interest are
to be transferred from the drop-down list.
The options are as follows:



Transfer to users mapped accounts
Transfer to internal bank account
Transfer through domestic clearing network
This field is not displayed if the Renew Principal and
Interest option is selected from the Maturity Instruction
drop-down list for Conventional Products and if the Renew
Principal and Profit option is selected from the Maturity
Instruction drop-down list for Islamic Product.
The default value is Transfer through Domestic Clearing
Network.
Account
[Conditional, Alphanumeric, 20]
Type the Account Number to which the interest and
principal will be transferred.
This field is enabled if the following options are selected
from the Account Transfer options drop-down list.


Transfer to Internal Bank Account
Transfer through Domestic Clearing Network
[Conditional, Drop-Down]
Select the account to which the interest is to be
transferred from the drop-down list.
This field is a drop -down list, if the Transfer to Users
Mapped Accounts option is selected from the Account
Transfer options pop over.
Network Type
[Conditional, Drop-Down]
Select the Type of the Network from the dropdown list.
This field is enabled if the Transfer through Domestic
Clearing Network option is selected from the Account
Transfer options drop-down list.
Beneficiary Name
[Mandatory, Alphanumeric, 35]
Enter the Beneficiary Name.
This field is enabled if the Transfer through Domestic
Clearing Network option is selected from the Account
Transfer options drop-down list.
Note: The Beneficiary Name can be Alphanumeric with Special Characters - ? : (
) . , ' + Space
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Open Term Deposit
Field Name
Description
Transfer To (Account
Transfer options)
[Conditional, Pop Over]
Select the account to which the Principal and Interest are
to be transferred from the drop-down list.
The options are as follows:



Transfer to users mapped accounts
Transfer to internal bank account
Transfer through domestic clearing network
This field is not displayed if the Renew Principal and
Interest option is selected from the Maturity Instruction
drop-down list for Conventional Products and if the Renew
Principal and Profit option is selected from the Maturity
Instruction drop-down list for Islamic Product.
The default value is Transfer through Domestic Clearing
Network.
Bank Code
[Conditional, Drop-Down]
Select the Bank Code from the pick list.
This field is enabled if the Transfer through Domestic
Clearing Network option is selected from the Account
Transfer options drop-down list.
Bank Name
[Display]
This field displays the Bank Name in the clearing
network.
If you select Bank Code then this field is populated
automatically.
Bank Address
[Display]
This field displays the Address of the bank.
If you select Bank Code then this field is populated
automatically.
City
[Display]
This field displays the City in which the bank belongs.
If you select Bank Code then this field is populated
automatically.
Country
[Display]
This field displays the Country to which the bank belongs.
If you select Bank Code then this field is populated
automatically.
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Open Term Deposit
Field Name
Description
Transfer To (Account
Transfer options)
[Conditional, Pop Over]
Select the account to which the Principal and Interest are
to be transferred from the drop-down list.
The options are as follows:



Transfer to users mapped accounts
Transfer to internal bank account
Transfer through domestic clearing network
This field is not displayed if the Renew Principal and
Interest option is selected from the Maturity Instruction
drop-down list for Conventional Products and if the Renew
Principal and Profit option is selected from the Maturity
Instruction drop-down list for Islamic Product.
The default value is Transfer through Domestic Clearing
Network.
Rollover Amount
[Conditional, Numeric, 15]
Type the amount which will be renewed at maturity.
This field is enabled if the Renew Special Amount option
is selected in the Maturity Instruction field.
Note: You can enter Rollover Amount less than maturity amount.
3. Click the Submit button. The system displays the following Verify screen.
Open Term Deposit – Verify
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Open Term Deposit
4. Click Confirm from Options. The following Success Message is displayed.
Open Term Deposit – Success
5. Click OK from Options. It takes you to the Open Term Deposit screen.
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Deposit Redemption
37.
Deposit Redemption
The Redeem Term Deposit option allows you to redeem your Term Deposit Details either
partially or fully through J2ME Mobile Banking.
To Redeem the Term Deposit:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select My Deposits > Deposit Redemption icon from the menu using up/down arrow key and
Select key. The system displays the Deposit Redemption screen.
Deposit Redemption
Field Description
Field Name
Description
Select Deposit
[Mandatory, Drop down]
Select the deposit for redemption.
3. Select Continue from Options. The system displays the Deposit Redemption screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Deposit Redemption
Deposit Redemption
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Deposit Redemption
Field Description
Field Name
Description
Deposit Details
Deposit Account
[Display]
This field displays the Deposit Account.
Deposit Product
[Display]
This field displays the Deposit Product.
Deposit Amount
[Display]
This field displays the Deposit Amount.
Maturity Date
[Display]
This field displays the Maturity Date of the deposit.
Tenure
[Display]
This field displays the Tenure value.
Interest Rate
[Display]
This field displays the Interest Rate.
Maturity
Instructions
[Display]
Current Principal
Amount
[Display]
Original Principal
Amount
[Display]
This field displays the Maturity Instructions available for that
product.
This field displays the Current Principal Amount (revised principal
amount after top-up / partial redemption).
This field displays the Original Principal Amount.
Redemption
Redemption Type
[Mandatory, Drop down]
Select the Redemption Type. The options are:


Amount
Partial Redemption
Full Redemption
[Mandatory, Numeric, 15]
This field displays the Deposit Amount.
Total Redeemable
Amount
[Display]
This field displays the Total Redeemable Amount if deposit is
redeemed today.
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Deposit Redemption
Field Name
Description
Charges / Penalty
[Display]
Displays Charges /Penalty in case the deposit is redeemed today.
Final Redeemable
Amount
[Display]
Transfer To
[Mandatory, Drop down]
Displays the Net Redeemable Amount after deducting charges/
penalty.
Select the Transfer To account as the destination account for the
redemption.
4. Select Redeem from Options. The system displays the Deposit Redemption Verify screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
Redeem Deposit
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Deposit Redemption
Field Description
Field Name
Description
Redemption
Redemption Type
[Dropdown]
Select the desired Redemption Type value from the following:


Full
Partial
Redeem Deposit
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Deposit Redemption
Field Description
Field Name
Description
Maturity Account
[Conditional, Input Box/Dropdown, 20]
Mandatory if the Maturity Instruction selected is other than Renew
Principal and Interest.
A dropdown is available if the Account Transfer option is Own
Account Transfer else it is an input box.
Enter the appropriate Account Number in the input box.
Beneficiary Name
[Mandatory, Input Box, 35]
Enter the Name of the Beneficiary to whom funds are to be
transferred.
City
[Mandatory, Dropdown]
Select the City of the bank where you want to transfer the funds of
the term deposit.
Branch
Branch [Mandatory, Dropdown]
Select the Branch of the bank where you want to transfer the funds
of the term deposit.
Network Type
[Mandatory, Dropdown]
Select the applicable Domestic Clearing Networks to transfer the
funds of the term deposit.
Bank Code
[Display, Lookup]
Search the Bank & Branch Codes for the selected Domestic
Network.
Beneficiary Name
[Mandatory, Input Box, 35]
Enter the Name of the Beneficiary to whom funds are to be
transferred.
Bank Details
Bank Name
[Display]
This field displays the Name of the Beneficiary Bank.
Bank Address
[Display]
This field displays the Address of the Beneficiary Bank.
Bank City
[Display]
This field displays the City of the Beneficiary Bank.
Deposit Redemption Verify
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Deposit Redemption
5. Select Confirm from Options. The system displays the Deposit Redemption Confirm screen.
OR
Select Change from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
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Deposit Redemption
Deposit Redemption Confirm
6. Select Home from Options to get back to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select View Messages from Options to view the messages.
OR
Select OK from Options to return to the Deposit Redemption Initial screen.
OR
Select Menu from Options to return to the sub menu screen.
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Top-
38.
Up Details
Top- Up Details
The Top-Up Details feature allows user to top-up the Term Deposit for the selected account.
To Initiate the Top-Up Process:
1. Log on to the J2ME based Mobile Banking Application.
2. Navigate to My Deposits > Deposit Details > Top-Up Details from the menu using up/down
arrow key and Select key. The system displays the Term Deposit Details screen.
Deposit Details
3. Select the desired Term Deposit Type. The following page is displayed.
Top-Up Term Deposit
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Top- Up Details
Field Description
Field Name
Description
Top-up Details
Top-Up Date
[Display]
Displays the Top-Up Date.
Deposit Amount in
multiple of $1000
[Display]
Source Account
[Dropdown]
Displays the available Currency is in the multiple of $1000.
Select the desired Source Account from the dropdown.
Top-Up Amount
[Mandatory, Input Box, 15]
Enter the desired amount in the respective input box.
Narration
[Optional, Input Box, 35]
Enter the desired narration.
View Interest and
Maturity
Projection
[Action Button]
Back
[Action Button]
It takes user to the TD Maturity Projection screen of selected
Term Deposit.
Click Back to go back to the previous screen.
Sign Out
[Action Button]
Click Sign Out to sign out of the application.
4. Click View Interest and Maturity Projection to view the Term Deposit Maturity Projection for the
selected term deposit.
View Interest and Maturity Projection
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Top- Up Details
5. Click Continue from Options. The following Verify page is displayed.
Top-Up Term Deposit – Verify
6. Click Change to make changes to the details.
OR
Click Continue from Options. The following page is displayed.
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Top- Up Details
Top-Up Success Message
7. Click Ok to go back to the Term Deposit Details screen.
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Transaction to Authorize
39.
Transaction to Authorize
The Transaction to Authorize displays all the transactions with their status as Pending, Semi
Authorized or Initiated for the user.
To View the Transactions for Authorization:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Pending Authorizations icon from the menu using up\down scroll keys and select key. The
system displays the View Authorization Transactions screen.
View Authorization Transactions
Field Description
Field Name
Description
Select Transaction
[Mandatory, Drop down]
Select the transaction to be authorized or rejected.
3. Select Submit from Options. The system displays the Pending Authorizations screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
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Transaction to Authorize
Pending Authorizations
Field Description
Field Name
Description
E-Banking
Reference Number
[Optional, Alphanumeric]
Status
[Optional, Dropdown]
Type the E-Banking Reference Number as Search criteria.
Select the Status of the transaction to be searched.
Initiator
[Optional, Alphanumeric]
Type the Initiator of the transaction as Search criteria.
Select Record
[Mandatory, Dropdown]
Select the desired record to search for authorization.
4. Select the Authorize from Options if you want to authorize the transaction. The system displays
the Verify Authorization Transaction screen.
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Transaction to Authorize
OR
Select Send To Modify from Options to send the transaction for modification.
OR
Select Search from Options to search the transaction to authorize or reject as per the entered
search criteria.
OR
Select Change from Options to navigate to the previous screen.
OR
Select Reject from Options if you want to reject the transaction.
OR
Select View from Options to view the transaction details.
OR
Select Home from Options to navigate to the Menu screen.
OR
Select Exit from Options to exit from the application.
Pending Transactions – Verify
5. Select Confirm from Options. The system displays the Pending Transactions – Confirm screen.
OR
Select Change from Options to navigate to the previous screen.
OR
Select Home from Options to navigate to the menu screen.
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Transaction to Authorize
OR
Select Exit from Options to exit from the application.
Pending Transactions – Confirm
6. Select Home from Options to get back to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select View Messages from Options to view the messages.
OR
Select OK from Options to navigate to the Initial View Authorization Transactions screen.
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E-Receipt
40.
E-Receipt
You can download an e-receipt (as a PDF document) for all transactions that you begin in the
application. You can also send an email with the e-receipt PDF as an attachment to your
registered email account. You can also download and e-mail your TDS Details Inquiry Statement
from the application in the PDF format.
To Generate an E-Receipt:
1. Navigate through Services > E- Receipt.
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Change Password
41.
Change Password
The Change Password allows you to change the password for a Mobile User.
To Change the Password:
1. Log on to the J2ME Based Mobile Banking Application.
Services
2. Select Services > Change Password icon from the menu using up\down scroll keys and Select
key.
Change Password
The system displays the Change Password screen.
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Change Password
Change Password
3. Select the desired Password Type from the dropdown.
Change Password
4. Click Submit from Options.
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Change Password
5. The following page is displayed. Refer to the Password Policy and enter the Existing Password
and the desired New Password in the respective fields.
Note: The Login and Transaction Passwords cannot be the same.
Password Details
6. Click Change from Options.
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Change Password
Change Password
Field Description
Field Name
Description
User Id
[Display]
This field displays the User Id of the user.
Password Type
[Display]
This field displays the Password Type selected.
Existing Password
[Mandatory, Alphanumeric,20]
Type the Existing Password of the user.
New Password
[Mandatory, Alphanumeric,20]
Type the New Password for the user.
Confirm New
Password
[Mandatory, Alphanumeric,20]
Type the New Password again to confirm the same.
The following Verify page is displayed.
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Change Password
Verify Change Password
7. Select Change from the menu. The system displays the Verify Change Password screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
OR
Select the Back from Options to return to the previous screen.
Note: The New Password has to be as per the Password Policy displayed below the text fields.
Confirm – Verify Change Password
8. Select Yes from Options. The system displays the Confirm Change Password screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
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Change Password
OR
Select Menu from the Options to return to the sub menu screen.
OR
Select Back from Options to return to the previous screen.
Confirm Change Password
9. Click OK. The following page is displayed.
Confirm Change Password
10. Select Home from Options to get back to the Menu screen.0.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
OR
Select Ok from Options. The initial Change Password screen is displayed.
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Change Password
Note: If the user has been provided access to multiple channels under the main group through
channel grouping then the changed/new password will be applied to all the channels of the group.
The system will display disclaimer as “The new password will be applicable for channels of group
also”.
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Credit
42.
Card Details
Credit Card Details
This menu enables you to view the details of the Credit Card.
To View the Credit Card Details:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select My Cards > Credit Card Details icon from the menu using down arrow key and Select
key. The system displays the Credit Card Details screen.
Credit Card Details
Field Description
Field Name
Description
Select Card
[Mandatory, Drop down]
Select the credit card for which details are to be viewed.
3. Select Submit from Options. The system displays the selected card details in the Credit Card
Details screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Credit Card Details
Credit Card Details
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Credit Card Details
Field Description
Field Name
Description
Card Number
[Display]
This field displays the Credit Card Number for which the details are
displayed.
Product Name
[Display]
This field displays the Product Name.
Expiry Date
[Display]
This field displays the Expiry Date.
Reward Points
Available
[Display]
Total Credit Limit
[Display]
This field displays the reward points available.
This field displays the Total Credit Limit.
Available Credit
Limit
[Display]
Total Cash Limit
[Display]
This field displays the Credit Limit available to you.
This field displays the Total Cash Limit.
Available Cash
Limit
[Display]
Total Unbilled
Amount
[Display]
Last Payment Date
[Display]
This field displays the available Cash Limit.
This field displays the Total Unbilled Amount.
This field displays the Last Payment Date.
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Credit Card Details
Field Name
Description
Last Payment
Amount
[Display]
This field displays the Last Payment Amount.
Payment Due Details
Statement Date
[Display]
This field displays the Statement Date.
Total Billed
Amount
[Display]
Payment Due Date
[Display]
This field displays the Total Billed Amount.
This field displays the last Payment Due Date.
Minimum Amount
Due
[Display]
This field displays the Minimum Amount Due.
4. Select Home from Options to get back to the Menu screen.0.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Credit
43.
Card Statement
Credit Card Statement
This menu enables you to View the Statement of the Credit Card.
To View the Credit Card Statement:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select My Cards > Credit Card Statement icon from the menu using down arrow key and
Select key. The system displays the Credit Card Statement screen.
Credit Card Statement
Field Description
Field Name
Description
Card Number
[Mandatory, Drop down]
Select the Card Number for which statement is to be viewed.
Month
[Mandatory, Drop down]
Select the Month for viewing the statement.
Year
[Mandatory, Drop down]
Select the Year for viewing the statement.
3. Select Submit from Options. The system displays the Card Statement Details in the Credit Card
Statement screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Credit Card Statement
Credit Card Statement
Field Description
Field Name
Description
Card Number
[Display]
This field displays the Credit Card Number for which the details are
displayed.
Month
[Display]
This field displays the Month for which statement is viewed.
Year
[Display]
This field displays the Year for which statement is viewed.
Reference Number
[Display]
This field displays the Reference Number.
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Credit Card Statement
Field Name
Description
Transaction Date
[Display]
This field displays the Transaction Date.
Description
[Display]
This field displays the Description of the Credit Card.
Credit
[Display]
This field displays the Credit Amount.
4. Select Home from Options to get back to the Menu screen.0.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Credit
44.
Card Payment
Credit Card Payment
This menu enables you to pay out the Credit Card Balances.
To View The Credit Card Statement:
1. Log on to the J2ME Based Mobile Banking Application.
2. Navigate to the Accounts > Credit Card Payment.
Credit Card Payment
Field Description
Field Name
Description
Select Card
[Mandatory, Pop Over]
Select the option as Select Card OR New Card.
Credit Card
Number
[Mandatory, Pop Over]
Select the Credit Card Number from the pop over, for which
payment is to be made.
3. Click the Continue button from Options. The system displays the below screen for Step 2
- Credit Card Payment.
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Credit Card Payment
Credit Card Payment – Step 2
Field Description
Field Name
Description
Payment Due Date
[Display]
This field displays the Payment Due Date.
Amount
[Mandatory, Numeric, 15]
Enter the Amount to be paid.
Payment
Instruction
[Mandatory, Radio button]
Select Payment Instruction. Values are:


Total Amount Due
Minimum Amount Due
4. Click the Submit button. The system displays the Credit Card Payment – Verify screen.
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Credit Card Payment
Credit Card Payment – Verify
5. Click the Confirm button. The system displays the Credit Card Payment – Confirm
screen.
OR
Click the Change option. The system displays the Initial Credit Card Payment screen.
Credit Card Payment – Confirm
6. Click the OK button to navigate to the Initial Credit Card Payment screen.0.
OR
Click the Download PDF button to download the PDF containing Credit Card Payment
Details.
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Credit Card Hotlisting
45.
Credit Card Hotlisting
A service request for the Credit Card Hot Listing feature can be used when there is any
fraud suspected or when the credit cards are either lost or stolen.
To Navigate to Credit Card Hotlisting:
1. Navigate to New Service Request through site-map. The following page is displayed.
Service Request
Field Description
Field Name
Description
Service Request
Select Transaction
[Dropdown]
Select the transaction - Credit Card Hotlisting from the
dropdown.
2. Click Continue from Options. The following page is displayed.
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Credit Card Hotlisting
Credit Card Hot Listing
Field Description
Field Name
Description
Credit Card Hotlisting
Credit Card
[Dropdown]
Select the appropriate Credit Card number from the dropdown.
Reason for
closing the
account
[Dropdown]
Specify Reason
[Conditional, Input Box, 25]
Select the desired from the dropdown.
Enter the desired reason in the input box.
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Credit Card Hotlisting
Field Name
Description
New Card
Required
[Mandatory, Dropdown]
Select the following option from the dropdown:


Mode of Delivery
Yes
No
[Mandatory, Dropdown]
Select the desired option from the dropdown.
User Reference
[Input Box, Alphanumeric, 25]
Enter the appropriate User Reference Number.
Submit
[Action Button]
Click Submit to submit the details.
Another Service
Request
[Action Button]
Click Another Service Request to open a new service request.
3. Enter the required appropriate information in the respective fields.
4. Click Submit from Options. The following Alert message is displayed.
Alert
5. Click OK.
6. Click Confirm from Options.
OR
Click the Change option to modify the details. The system displays the Credit Card Hot
Listing - Verify screen. The following page is displayed.
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Credit Card Hotlisting
Credit Card Hotlisting – Verify
7. Click Submit from Options. The following page is displayed.
Alert
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Credit Card Hotlisting
8. Click OK.
9. Click Confirm from Options. The following page is displayed.
Credit Card Hotlisting – Confirm
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Credit Card Hotlisting
10. Click the OK button to navigate to the Credit Card Hotlisting - Initiate screen.
OR
Click the Download PDF button to download the PDF containing Credit Card Hotlisting
details.
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Force Change Password
46.
Force Change Password
This option forces you to mandatorily change your password. The Force Change
Password screen comes in following scenarios.

If you are login for the first time

If you have reset your password

If your password has expired
To Perform the Forced Change Password:
1. Log on to the J2ME Based Mobile Banking Application in the case of above scenarios.
The system forces to change the password by displaying Change Login Password
screen.
Change Login Password
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Force Change Password
Field Description
Field Name
Description
User ID
[Display]
This field displays the User Id.
Existing Password
[Mandatory, Alphanumeric,20]
Type your Existing Password.
New Password
[Mandatory, Alphanumeric,20]
Type the New Password.
Note: This New Password should be as per the Password Policy (displayed below
the text fields in the above screen) set by the bank.
Confirm New
Password
[Mandatory,Alphanumeric,20]
Retype the new password for confirmation.
2. Select Change from Options. The system displays the Confirm Change Password
screen.
OR
Select Exit from Options to exit from the application.
Confirm Change Password
3. Select OK from Options. The system displays the Change Transaction Password screen.
OR
Select Exit from Options to exit from the application.
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Force Change Password
Change Transaction Password
Field Description
Field Name
Description
User ID
[Display]
This field displays the User ID.
Existing Password
[Mandatory, Alphanumeric,20]
Type your Existing Password.
New Password
[Mandatory, Alphanumeric,20]
Type the New Password.
Note: This new password should be as per the Password
Policy (displayed below the text fields in the above screen)
set by the bank.
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Force Change Password
Field Name
Description
Confirm New
Password
[Mandatory,Alphanumeric,20]
Retype the new password for confirmation.
4. Select the Change option. The system displays the Confirm Change Password screen.
Confirm Change Password
5. Select OK from Options. The system displays the main Menu screen.
OR
Select Exit from Options to exit from the application.
Note: If the user has been provided access to multiple channels under the main group
through channel grouping then the changed/new password will be applied to all the
channels of the group. The system will display disclaimer as “The new password will be
applicable for channels of group also”.
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Contract
47.
Deposits
Contract Deposits
This option allows you to view the Contract Term Deposit Details.
To View the Contract Deposit Details:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select My Deposits > Contract Deposits from the menu using up\down scroll keys and select
key. The system displays the Contract Deposits screen.
Contract Deposits
Field Description
Field Name
Description
Contract Deposit
[Mandatory, Drop down]
Select the Contract Deposit from the list for which details are to be
viewed.
3. Select Submit from Options. The system displays the Contract Deposits screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Contract Deposits
Contract Deposits
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Contract Deposits
Field Description
Field Name
Description
Customer Id
[Display]
This field displays the Customer Id.
Contract Deposit
[Display]
This field displays the Contract Deposit Number.
Product Name
[Display]
This field displays the Product Name.
Current Balance
[Display]
This field displays the Current Balance of the term deposit.
Deposit Details
Deposit Date
[Display]
This field displays the Deposit Date.
Maturity Date
[Display]
This field displays the date on which deposit matures.
Interest Rate
[Display]
This field displays the Interest Rate on the term deposit.
The Interest Instructions and the Maturity Instructions are also
displayed in the following fields.
Accrued Interest
Till Date
[Display]
This field displays the accrued interest till date.
The Interest Instructions and the Maturity Instructions are also
displayed in the following fields.
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Contract Deposits
Field Name
Description
Interest Instructions
Interest
Instructions
[Display]
Account
[Display]
This field displays the Interest Instructions.
This field displays the Account Number.
Maturity Instructions
Rollover
Instructions
[Display]
Account
[Display]
This field displays the Roll-over Instructions.
This field displays the Account Number.
4. Select Home from Options to get back to the Menu screen.0.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Buy
48.
Funds
Buy Funds
This option allows you to buy the mutual funds.
The fund is open for purchase if:

The fund is in the Initial Public Offering (IPO) stage

The fund is allowed for subscriptions in the given period
This information is available as a part of fund rules definition. An investor can select for
subscription of a fund.

One Time Single Fund Purchase
To Buy Mutual Funds:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Mutual Funds > Buy Funds icon from menu using up\down scroll keys and
Select key. The system displays the Buy Funds screen.
Buy Funds
Field Description
Field Name
Description
Unit Holder
[Mandatory, Drop down]
Select the Unit Holder.
Fund AMC
[Mandatory, Drop down]
Select the Fund AMC for buying the funds.
3. Select Submit from Options. The system displays the Buy Funds screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
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Buy Funds
OR
Select Menu from Options to return to the sub menu screen.
Buy Funds
Field Description
Field Name
Description
Fund Name
[Mandatory, Drop down]
Select the Fund Name.
4. Select Fund Details from Options. The system displays the Buy Funds screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Buy Funds
Buy Funds
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Buy Funds
Field Description
Field Name
Description
Investment Type
[Mandatory, Drop down]
Select the Invest Type. The options are:


Amount Or Unit
Amount
Units
[Mandatory, Numeric, 15]
Type the Amount for buying the funds.
Dividend ReInvestment
[Mandatory, Drop down]
Select the dividend Re-investment options. The options are:


Yes
No
Fund Information
Unit Holder
[Display]
This field displays the Unit Holder Id.
Fund AMC
[Display]
This field displays the Fund AMC.
Fund Name
[Display]
This field displays the Fund Name.
Minimum Amount
[Display]
This field displays the Minimum Amount required to buy the funds.
Minimum Units
[Display]
This field displays the Minimum Units of which funds can be
purchased.
5. Select Place Order from the Options. The system displays the Buy Funds – Verify
screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Buy Funds
Buy Funds – Verify
6. Select Confirm from Options. The system displays the Buy Funds - Confirm screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Menu from Options to return to the sub menu screen.
Buy Funds – Confirm
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Buy Funds
7. Select Home from Options to get back to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select View Messages from Options to view the messages.
OR
Select OK from Options to navigate to the Buy Funds screen.
OR
Select Menu from Options to return to the sub menu screen.
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Redeem
49.
Funds
Redeem Funds
This option allows you to Redeem Mutual Fund holdings. You may select to redeem
full/part of the investment made in mutual fund by this option. The fund should be open
for redemption.
A fund is open for Redemption if:

The fund is allowed for redemption in the given period. This information is available
as a part of fund prospectus.

The fund is not in book closure.
The Redemption Process comprises of the following stages:

Indicating the Fund Unit Holder and the fund to be redeemed.

Specifying Redemption Details including Product, Redemption Type, Transaction
Currency and Payout Mode.

Verifying the details where a user can confirm the information specified.
To Redeem Mutual Fund:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Mutual Funds > Redeem Funds from the menu using up\down scroll keys and
Select key. The system displays the Redeem Funds screen.
Redeem Funds
Field Description
Field Name
Description
Unit Holder
[Mandatory, Drop down]
Select the desired unit holder from the unit holders available.
3. Select View Holdings from Options. The system displays the Redeem Funds screen.
OR
Select Home from Options to navigate to the menu screen.
OR
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Redeem Funds
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
Redeem Funds
Field Description
Field Name
Description
Unit Holder
[Display]
This field displays the unit holder of the fund.
Fund Name
[Mandatory, Drop down]
Select the fund name from the funds available for the unit holder.
4. Select Place Order from Options. The system displays the Redeem Funds screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Redeem Funds
Redeem Funds
Field Description
Field Name
Description
Unit Holder
[Display]
This field displays the Unit Holder of the fund.
Fund Name
[Display]
This field displays the Fund Name selected.
Units
[Display]
This field displays the Units held.
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Redeem Funds
Field Name
Description
Amount
[Display]
This field displays the Fund Name selected.
Place Order
Redeem Type
[Mandatory, Drop down]
Select the Type of Redemption to be done. Options are:


Amount or Units
Amount
Units
[Mandatory, Numeric, 15]
Type the Amount or Units as per the selection criteria.
5. Select Place Order from the Options. The system displays the Redeem Funds - Verify
screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
Redeem Funds – Verify
6. Select Confirm from the Options. The system displays the Redeem Funds - Confirm
screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
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Redeem Funds
Select Home from Options to navigate to the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
Redeem Funds – Confirm
7. Select Home from Options to get back to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select View Messages from Options to view the messages.
OR
Select OK from Options to navigate to the Redeem Funds screen.
OR
Select Menu from Options to return to the sub menu screen.
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Portfolio
50.
Portfolio
This option allows you to view the details of all the mutual fund holdings.
To View the Portfolio:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Mutual Funds > Portfolio icon from the menu using up\down scroll keys and
Select key. The system displays the Portfolio screen.
Portfolio
Filed Description
Field Name
Description
Unit Holder
[Mandatory, Drop down]
Select the desired Unit Holder from the list of unit holders
available.
3. Select View Holdings from Options. The system displays the Portfolio Details screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Portfolio
Portfolio Details
Filed Description
Field Name
Description
Portfolio Details
Unit Holder
[Display]
This field displays the Name of the Unit Holder.
Holding Fund Details
Fund Name
[Display]
This field displays the Fund Name.
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Portfolio
Field Name
Description
Fund Type
[Display]
This field displays the Fund Type.
Fund Currency
[Display]
This field displays the Fund Currency.
Units
[Display]
This field displays the Number of Units Held.
Amount in Fund
Currency
[Display]
This field displays the Amount in Fund Currency.
4. Select Home from Options to get back to the Menu screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
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Switch
51.
Funds
Switch Funds
This option allows you to switch investment in one mutual fund to another type of Mutual
Fund using mobile banking. You can switch only a part or the entire investment made in
the selected fund.
A fund is open for switch if:

The fund is allowed for switch in the given period. Current date is between switch
start date and switch close date. This information is available as part of Fund Rule
definition.

The fund is not in book closure.
To Switch Mutual Fund:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Mutual Funds > Switch Funds icon from the menu using up\down scroll keys
and Select key. The system displays the Switch Funds screen.
Switch Funds
Field Description
Field Name
Description
Unit Holder
[Mandatory, Drop down]
Select the desired Unit Holder from the list of unit holders
available.
3. Select View Holdings from the Options. The system displays the Switch Funds screen.
OR
Select the Home from the Options to navigate to the menu screen.
OR
Select the Exit from the Options to exit from the application.
OR
Select the Menu from the Options to return to the sub menu screen.
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Switch Funds
Switch Funds
Filed Description
Field Name
Description
Unit Holder
[Display]
This field displays the selected Unit Holder.
Fund Name
[Mandatory, Drop down]
Select the Fund Name from the list.
4. Select Place Order from Options. The system displays the Switch Funds screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select the Home from Options to navigate to the menu screen.
OR
Select the Exit from Options to exit from the application.
OR
Select the Menu from Options to return to the sub menu screen.
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Switch Funds
Switch Funds
Filed Description
Field Name
Description
Switch Type
[Mandatory, Drop down]
Select the Switch Type. The Options are:
Amount Or Units

Switch Amount

Switch Units
[Mandatory, Numeric, 15]
Type the Amount or units to be switched.
Fund Name
[Mandatory, Drop down]
Select the Fund Name from the list.
5. Select Place Order from Options. The system displays the Switch Funds - Verify screen.
OR
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Switch Funds
Select Back from Options to navigate to the previous screen.
OR
Select the Home from Options to navigate to the menu screen.
OR
Select the Exit from Options to exit from the application.
OR
Select the Menu from Options to return to the sub menu screen.
Switch Funds – Verify
6. Select Confirm from Options. The system displays the Switch Funds - Confirm screen.
OR
Select Change from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
Switch Funds – Confirm
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Switch Funds
7. Select the Home from the Options to get back to the Menu screen.
OR
Select the Exit from the Options to exit from the application.
OR
Select the View Messages from the options to view the messages.
OR
Select the Ok from the Options. The initial Switch Funds screen is displayed.
OR
Select the Menu from the Options to return to the sub menu screen.
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Order
52.
Status
Order Status
You may place several purchase orders across various AMCs. An order goes through
various stages of transfer i.e. Placement, Processing, Allotment, Authorization etc. This
option displays the Status Details of the placed order.
To View the Order Status:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Mutual Funds > Order Status from the menu using up\down scroll keys and
select key. The system displays the Order Status screen.
Order Status
Filed Description
Field Name
Description
Unit Holder
[Mandatory, Drop down]
Select the Unit Holder from the list.
Transaction Ref.
No.
[Mandatory, Alphanumeric, 16]
Status
[Mandatory, Drop down]
Type the Transaction Reference Number for which order status is
to be viewed.
Select the Status. The options are:






Allotted
Completed
Processed
Unprocessed
Authorized
Unauthorized
3. Select Submit from Options. The system displays the Order Status Details in the Order
Status screen.
OR
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Order Status
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select the Menu from Options to return to the sub menu screen.
Order Status
Field Description
Field Name
Description
Requested
Received On
[Display]
This field displays the Date and Time of the request received.
Transaction Details
Unit Holder
[Display]
This field displays the Name of the unit holder.
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Order Status
Field Name
Description
Fund Id
[Display]
This field displays the Fund Id.
Transaction Mode
[Display]
This field displays the Transaction Mode.
Transaction Type
[Display]
This field displays the Transaction Type.
Transaction
Amount
[Display]
Status
[Display]
This field displays the Transaction Amount.
This field displays the status of the fund.
Transaction Units
[Display]
This field displays the units of the transaction.
Units Applied
[Display]
This field displays the number of units that you have applied for in
the order.
Reasons(If not
Allocated)
[Display]
This field displays the reasons if any, when the fund is not
allocated.
Payment Details
Payment Type
[Display]
This field displays the Payment Type.
Payment Mode
[Display]
This field displays the Payment Mode.
Transfer Branch
[Display]
This field displays the Bank Branch.
Transfer Account
[Display]
This field displays the Account Number used for transfer.
Payment Amount
[Display]
This field displays the Amount of Payment.
Drawee Bank
[Display]
This field displays the Drawee Bank.
4. Select Home from Options to get back to the Menu screen.
OR
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Order Status
Select Menu from Options to return to the sub menu screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
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Transaction Password
53.
Behavior
Transaction Password Behavior
The Transaction Password is the added security measure in mobile banking required for safer
execution of any transaction. When Transaction Password is configured for any transaction, then
while accessing that transaction, after selecting the Confirm option on the Verification screen, the
system asks for the Transaction Password.
The following two kinds of the transaction password can be configured for the Mobile Banking as
per the requirement:

Random Transaction Password

Transaction password
To Perform the Transaction for which Transaction Password is configured:
1. Log on to the J2ME Based Mobile Banking Application.
2. Access any transaction for which transaction password is configured. (Below shown is for Pay
Bills transaction).
3. Select My Payments > Own Account Transfer icon from the menu using up/down arrow key
and Select key. The system displays the Own Account Transfer screen.
Own Account Transfer
Field Description
Field Name
Description
From Account
[Mandatory, Drop down]
Select the From Account as the source account for the own
account transfer.
To Account
[Mandatory, Drop down]
Select the To Account as the destination account for the Own
Account Transfer.
Amount
[Mandatory, Numeric, 15]
Type the Amount for the transfer.
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Transaction Password Behavior
Field Name
Description
Narrative
[Optional, Alphanumeric, 35]
Type the Narrative for the transaction.
4. Select Submit from Options. The system displays the Own Account Transfer Verify screen.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select Menu from Options to return to the sub menu screen.
Own Account Transfer Verify
5. Select Confirm from Options. The system displays the Transaction Initiation Authentication
screen.
OR
Select Change from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select View Messages from Options to view the messages.
OR
Select Menu from Options to return to the sub menu screen.
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Transaction Password Behavior
Transaction Initiation Authentication
6. Select Submit from Options. The system displays the Own Account Transfer - Confirm screen.
OR
Select Exit from Options to exit from the application.
OR
Select Home from Options to navigate to the menu screen.
OR
Select Menu from Options to return to the sub menu screen.
Own Account Transfer Confirm
7. Select Home from Options to get back to the Menu screen.
OR
Select Exit from Options to exit from the application.
OR
Select View Messages from Options to view the message.
OR
Select OK from Options. The initial Own Account Transfer screen is displayed.
OR
Select Menu from Options to return to the sub menu screen.
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ATM Branch Locator
54.
ATM Branch Locator
This transaction allows you to view the address and the location of ATM/ Branch Location.
To View the Location and Address of the ATM and Branch:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Customer Services > ATM Branch Locator from the Menu. The system displays the
ATM Branch Locator screen.
Branch/ATM Locator
Filed Description
Field Name
Description
Enter Location
[Mandatory, Alphanumeric]
Type the location to view the Address and Location of the Branch
/ATM.
3. Select View Address from Options. The system displays the address of the ATM/Branch.
OR
Select Home from the Options to navigate to the main menu screen.
OR
Select the Menu from the Options to navigate to the menu screen.
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ATM Branch Locator
Branch/ATM Locator
4. Select Home from Options to get back to the Menu screen.
OR
Select View Map from Options to navigate to the View Map screen.
OR
Select Back from Options to return to the previous screen.
Branch/ATM Locator
5. Select Home from Options to get back to the Menu screen.
OR
Select Back from Options to navigate to the previous screen.
OR
Select Exit from Options to exit from the application.
OR
Select the Satellite/Map to view the map in the Satellite/Map View.
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Reminders
55.
Reminders
The Reminder functionality enables business users to register for reminders. Once a
reminder is registered the user is able to view the reminder under the Reminder
Schedule. The Reminder Schedule displays all registered reminders i.e. reminders that
are due on the Current Date and also reminders that are due in the future.
To View the Reminder:
1. Log on to the J2ME Based Mobile Banking Application.
2. Select Services from the menu using up/down arrow key and Select key.
3. Select Reminder from the menu using up/down arrow key and Select key. The system
displays the Reminders screen.
Reminder
4. Select Today, Week or Month radio button to view reminder set for selected period.
5. Click Submit from Options. This displays the set reminder in next screen as shown
below.
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Reminders
Reminder
6. Select Exit option to exit.
7. Select Back to navigate to the previous screen.
8. Select View to view that particular selected reminder. The system displays the following
screen.
9. Select Modify/Delete options in order to modify or delete that selected reminder
respectively.
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Reminders
Reminder Display
55.1
Registration
Here, business user can register reminders. Below shown is the initial screen to set a
reminder.
Reminder
10. Select Register from Options, in order to register for reminders.
11. Click Select from Options. The system displays the Register Reminder screen.
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Reminders
Register Reminder
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Reminders
Field Description
Field Name
Description
Subject
[Mandatory, Alphanumeric, 50]
Type the Subject for the reminder.
Frequency
[Mandatory, Radio button]
Select the Frequency of the reminder.
Start Date
[Mandatory, Alphanumeric,10]
Type the Start Date for reminder.
End Date
[Mandatory, Alphanumeric,10]
Type the End Date for reminder.
Description
[Optional, Alphanumeric, 100]
Type the Description for reminder.
12. Select Register from Options as shown above in screen 3. The system displays the
Confirm screen for the reminders, as shown below.
Reminder Confirm
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Reminders
13. Select OK from the options as shown in screen 2 above. The system displays the
Confirm screen for Reminders as shown screen 2 above.
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Deposit
56.
Calculator
Deposit Calculator
The Deposit Calculator helps you to understand the amount to be deposited as an investment for
the given period of time.
To Use the Deposit Calculator:
1. Login to the Banking Application. The following page is displayed.
Services
2. Click Services. The following page is displayed.
Consultations
3. Click Consultations. The following page is displayed.
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Deposit Calculator
Deposit Calculator
4. Click Deposit Calculator. The following page is displayed.
Deposit Calculator
Field Description
Field Name
Description
Amount I wish to
Invest
[Mandatory, Input Box, 15]
Rate of Interest
(%)
[Display]
Enter the Amount you wish to invest.
Displays the Interest Rate.
Choose Investment Period
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Deposit Calculator
Field Name
Description
Maturity Date
[Date-Picker]
Select the appropriate Maturity Date from the Date-Picker.
Tenure
[Dropdown]
Select the appropriate Tenure from the dropdown.
Currency I Require
[Dropdown]
Select the required Type of Currency from the dropdown.
Reset
[Action Button]
Click Reset to clear all values.
Calculate
[Action Button]
Click Calculate to calculate the details entered for Deposit.
5. Click Calculate from Options. The result is displayed as shown in the following screenshot.
Result - Details
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Deposit Calculator
Result – Graph
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Savings Calculator
57.
Savings Calculator
The Savings Calculator helps you to understand the calculation based on given the Saving Rate
for the given amount and the specific period of time.
To Use the Saving Calculator:
1. Login to the Banking Application. The following page is displayed.
Services
2. Click Services. The following page is displayed.
Consultations
3. Click Consultations. The following page is displayed.
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Savings Calculator
Savings Calculator
4. Select Savings Calculator. The following page is displayed.
Savings Calculator - I
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Savings Calculator
Savings Calculator – II
Savings Calculator – III
5. Click Calculate from Options.
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Savings Calculator
Calculate
The result is displayed as shown in the following screenshot.
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Foreign Exchange Calculator
58.
Foreign Exchange Calculator
The Foreign Exchange Calculator helps you to calculate the converted amount in the desired
Currency Type with the help of Available Amount and its Currency Type.
To access the Foreign Exchange Calculator:
1. Login to the Java Application Based Rich Mobile Banking.
2. Click Services > Consultations > Foreign Exchange Calculator. The following page is
displayed.
Foreign Exchange Calculator
Field Description
Field Name
Description
Purpose
[Dropdown]
Select the desired Purpose from the dropdown.
Currency I Have
[Dropdown]
Select the appropriate Currency Type from the dropdown.
Amount
[Mandatory, Input Box]
Enter the desired Amount.
Currency I Require
[Dropdown]
Select the required Type of Currency from the dropdown.
Reset
[Action Button]
Click Reset to clear all values.
Submit
[Action Button]
Click Submit to calculate the details entered for Foreign
Exchange.
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Foreign Exchange Calculator
3. Click Submit. The result page is displayed.
Result Page
4. Click OK from Options.
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Loan Eligibility Calculator
59.
Loan Eligibility Calculator
The Loan Eligibility Calculator helps you to determine the Loan Eligibility for the given Gross
Monthly Income and Other Details.
To use the Loan Eligibility Calculator:
1. Navigate to Services > Consultations > Loan Eligibility Calculator. The following page is
displayed.
Loan Eligibility Calculator
Field Description
Field Name
Description
Your Gross
Monthly Income
[Mandatory, Input Box]
Ongoing Monthly
Expenses
[Mandatory, Input Box]
Tenure of Loan (in
Months)
[Mandatory, Input Box]
Interest Rate
[Mandatory, Input Box]
Enter the appropriate value for the Gross Monthly Income.
Enter the appropriate value for the Ongoing Monthly Expenses.
Enter the appropriate value for the Tenure of Loan (in months).
Enter the appropriate value for the Interest Rate.
Reset
[Action Button]
Click Reset from Options to clear all values.
Calculate
[Action Button]
Click Calculate from Options to calculate the details entered for
Foreign Exchange.
The Result page is displayed.
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Budget Calculator
60.
Budget Calculator
This feature is available for all the Existing Users as well as Prospect Customers.
To use the Budget Calculator:
1. Navigate to Budget Calculator either from the Login page or from the Home > Services >
Calculator > Budget Calculator section. The Budget Calculator page is displayed.
Budget Calculator
Field Description
Field Name
Description
Total Monthly
Income
[Mandatory, Input Box, 15]
Enter the appropriate value for the Total Monthly Income.
Expenditure Categories
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Budget Calculator
Field Name
Description
Home
(Rent/Taxes)
[Mandatory, Input Box, 15]
Food and
Groceries
[Mandatory, Input Box, 15]
Utility Bills
[Mandatory, Input Box, 15]
Enter the appropriate value for the Home (Rent /Taxes) category.
Enter the appropriate value for the Food and Groceries category.
Enter the appropriate value for the Interest Rate category.
Travel
[Mandatory, Input Box, 15]
Enter the appropriate value for the Travel category.
Debt Payments
[Mandatory, Input Box, 15]
Enter the appropriate value for the Debt Payments category.
Family Expenses
[Mandatory, Input Box, 15]
Enter the appropriate value for the Family Expenses category.
Savings
[Mandatory, Input Box, 15]
Enter the appropriate value for the Savings category.
Other Monthly
Expenses
[Mandatory, Input Box, 15]
Reset
[Action Button]
Enter the appropriate value for the Other Monthly Expenses
category.
Click Reset to clear all values.
Calculate
[Action Button]
Click Calculate to calculate the Budget using the entered values.
Create Budget
[Action Button]
Click Create Budget. It navigates user to a Set Budget screen, for
which user has to login into the application.
Compare Budget
[Action Button]
Click Compare Budget to compare the budget with the standard
values. It navigates user to the Benchmarking screen.
2. Click Calculate. The result is displayed in the following manner.
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Budget Calculator
Result
Note: The user further can create a budget by logging into the application. If not an Existing User,
the user has to Register to Online Banking.
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Offers
61.
Offers
Location Based Offers:
The Business User is able to receive the offers from the bank based on their physical location.
The Business User while on the move is able to get the offers available in the specific geo
location.
The system is able to identify the user’s geo location using the GPS option available in the user’s
mobile phone. The location is maintained in terms of Latitude and Longitude. Based on the
location identified, the offers available in the area are identified and displayed to the user.
The offers received can have hyperlinks to display more data. On clicking any desired offer that
has more details, a separate screen external to the user’s login window / application are opened
to display the details.
Personalized / Targeted Offers:
The Targeted Offers or Advertisements relevant to the user are displayed in the Personalized
Offers section. These offers will be based on the User’s Details and Activity.
To Access the Offers Options:
1. Log on to the Java Application Based Mobile Banking.
2. Navigate to Offers menu in menu list.
Offers
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Offers
3. On clicking Offers option from the menu list, the system displays Offers as Location based &
Personalized Offers, as shown in second screen above.
4. Click any of the Offer Type in order to view it. You can view offers based on your location by
clicking Location Based Offers icon. It will show offers with respect to your location.
5. You can also view Personalized Offers, displayed after clicking Personalized Offers icon.
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Live
62.
Help/Call
Live Help/Call
Using this option, you can request for a call by the Oracle ATG agents for online assistance.
This feature provides the options to the business users for interactions with bank officials / call
centre executives.
Below is shown for Pay Bills transaction. These options are available for various transactions.
ATG for Live Help
1. Select the ATG from Options pop up as shown in above screen. This will open a new browser
screen which will enable you to interact with the Bank Personnel/Agents for assistance.
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Alerts
63.
Alerts
The Alerts Subscription functionality is available to business and retail users through the Java
Application based mobile as well.
63.1
View Current Subscription
The View Current Subscription feature allows user to check the list of Alerts to which the user is
subscribed.
To View the Current Subscription:
1. Login to the Java Application Based Mobile Banking.
2. Navigate to Alerts. The following page is displayed.
Alert Type
3. Select View Current Subscriptions. The following page is displayed.
View Current Subscriptions
4. Click Ok to go back to the Alert screen.0.
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Alerts
63.2
Alert Subscription
The following process allows user to subscribe for the desired alert.
To Subscribe for Alerts:
1. Login to the Java Application Based Mobile Banking.
2. Navigate to Alerts. The following page is displayed.
Alert Type
Field Description
Field Name
Description
Alerts
Select your choice
[Mandatory, Radio Button]
Select the desired value from the following:


View Current Subscriptions
Subscribe for Alerts
3. Select the Subscribe for Alerts option.
4. Click Continue from Options. The following page is displayed.
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Alerts
Alert Subscription
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Alerts
Field Description
Field Name
Description
Alert Subscription
Select Alert Type
[Mandatory, Dropdown]
Select the desired value from the following:



User Alerts
Customer Alerts
Account Alerts
Select Customer
ID
[Mandatory, Dropdown]
Select Account
No.
[Mandatory, Dropdown]
Select the desired Customer ID from the dropdown.
Select the desired Account Number from the dropdown.
5. Click Continue from Options. The following page is displayed.
Alert Subscription
6. Select the Alert as Forex Rate Alert.
7. Click Continue from Options.
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Alerts
Alert Subscription
Field Description
Field Name
Description
Alert Type
[Display]
Displays the Type of the Alert.
Alert
[Display]
Displays the selected Alert.
Mode of Delivery
[Mandatory, Checkbox]
Select the desired option from the following:
 Email
 SMS
 Both
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Alerts
Field Name
Description
In case of Threshold Alert
Threshold (%)
Above
[Mandatory, Input Box, Numeric, 3]
Enter the desired value in the input box.
In case of Debit Alert
Debit Above
[Mandatory, Input Box, Numeric, 15]
Enter the desired amount. An alert is generated if an amount equal
to or above the specified amount is debited from the account.
Credit Above
[Mandatory, Input Box, Numeric, 15]
Enter the desired amount. An alert is generated if an amount equal
to or above the specified amount is credited to the account.
In case of Forex Rate Alert
Add Parameter
[Mandatory, Selector]
This option is displayed only in case Forex Rate Alert has not been
previously subscribed for.
The user has to specify the Forex Rate Alert preferences.
Currency Pair
[Optional, Selector]
The user can select a Currency Pair of which to view details or to
modify or delete.
Add New
Parameter
[Optional, Selector]
Subscribe
[Action Button]
The user can add a new Forex Rate Alert parameter.
Click this button to proceed with the Subscription process.
Unsubscribe
[Action Button]
This option is available only when the user has opted to subscribe
for an alert that has already been subscribed for.
Click this button to proceed with the Un-Subscription process.
8. Click Subscribe from Options. The Alert Subscription –Verify page is displayed.
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Alerts
Alert Subscription – Verify
9. Click Confirm from Options. The Alert Subscription – Confirm screen is displayed.
Alert Subscription – Confirm
10. Click Ok to go back to the Alert Subscription screen.0.
63.3
Forex Rate Alert Subscription
The Forex Alert Subscription screen allows the user to define parameters on the basis of which
forex alerts are generated.
To Subscribe for Forex Alerts:
1. Login to the Java Application Based Mobile Banking.
2. Navigate to Alerts.
3. Select Forex Rate Alerts. The following page is displayed.
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Alerts
Forex Rate Alert – Initiate
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Alerts
Field Description
Field Name
Description
Alert Subscription – Forex Rate Alert
Purpose
[Mandatory, Dropdown]
Select the desired Purpose from the dropdown.
Buy Currency
[Mandatory, Dropdown]
Select the desired Buy Currency Type from the dropdown.
Sell Currency
[Mandatory, Dropdown]
Select the desired Sell Currency Type from the dropdown.
Target Price
[Mandatory, Dropdown]
Select the desired Target Price from the dropdown.
Active From
[Mandatory, Date Format – dd/mm/yyyy]
Enter the date in the above mentioned format. The Subscription
is activated from this date.
Active To
[Mandatory, Date Format – dd/mm/yyyy]
Enter the date in the above mentioned format. The Subscription
remains active till this date.
Cancel
[Action Button]
Click Cancel to cancel the process.
Update
[Action Button]
Click Update to update the changes made.
The following Verify screen is displayed.
Forex Rate Alert - Verify
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Alerts
4. Click Change from Options to make the desired changes.
OR
Click Delete from Options. The following Success Message is displayed.
Success Message
Success Message – For Modify Activity
Success Message – For Deletion Activity
5. Click Ok to go back to the Alert Subscription screen.0.
63.4
Modify Alert
The Modify Alert feature allows user to make changes to the selected alert.
To Modify the selected Alert:
1. Login to the Java Application Based Mobile Banking.
2. Navigate to Alerts.
3. Select the desired alert. The following page is displayed.
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Alerts
Modify Alert Subscription
4. Make the desired changes. The following Verify screen is displayed.
Modify Alert Subscription – Verify
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Alerts
5. Click Confirm from Options. The following page is displayed.
Modify Alert Subscription – Confirm
6. Click Ok to go back to the Alert Subscription page.0.
63.5
Alert Un-subscription
The Alert Un-subscription feature allows user to unsubscribe from any desired Alert.
To Un-subscribe from Alerts:
1. Login to the Java Application Based Mobile Banking.
2. Navigate to Alerts.
3. Select the desired alert. The following page is displayed.
Unsubscribe for Alert – View Current Subscription
4. Click Unsubscribe from Options. The following Verify page is displayed.
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Alerts
Unsubscribe for Alert – Verify
5. Click Confirm from Options. The following Confirm page is displayed.0.
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Alerts
Success Message
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Budgeting
64.
Budgeting
The Budgeting feature allows a customer to plan a Budget against the Expenses being done by
the customer. It allows a customer to Create, Modify and Delete Budget, Track the progress of
Budget and Compare Budget with Peers.
The Budgeting features also include a Calculator to find the total savings after all expenditures
are compared with the income.
To Access the Budgeting Features:
1. Login to the Java Application Based Mobile Banking.
2. Navigate to Home > PFM > Set Budget.
3. Before setting any budget, access the Budget calculator available on the Login page.
OR
Navigate through Home > Calculator > Budget Calculator.0.
Note: For additional information, please refer to the Budget Calculator section.
64.1
Set Budget
The Set Budget feature allows you to create a desired budget based on the values you put for
the mentioned categories.
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
3. Click the Manage My Finance icon.
4. Click the Set Budget icon.
Note: A user can reach to the Set Budget screen through Budget Calculator.
The following page is displayed.
Set Budget
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Budgeting
Field Description
Field Name
Description
Period of your
budget
[Dropdown]
Rollover budget
[Checkbox]
Select the desired Period of your budget.
Check the Rollover Budget option to use the same budget for the
next period of budget.
Set Budget:
Household
[Mandatory, Input Box, 15]
Enter the appropriate value for the Household category.
Automobile
[Mandatory, Input Box, 15]
Enter the appropriate value for the Automobile category.
Property
[Mandatory, Input Box, 15]
Enter the appropriate value for the Property category.
Office
[Mandatory, Input Box, 15]
Enter the appropriate value for the Office category.
Bills
[Mandatory, Input Box, 15]
Enter the appropriate value for the Bills category.
Shopping
[Mandatory, Input Box, 15]
Enter the appropriate value for the Shopping category.
Groceries
[Mandatory, Input Box, 15]
Enter the appropriate value for the Groceries category.
Miscellaneous
[Mandatory, Input Box, 15]
Enter the appropriate value for the Miscellaneous category.
Bills:
Electricity
[Mandatory, Input Box, 15]
Enter the appropriate value for the Electricity category.
Phone
[Mandatory, Input Box, 15]
Enter the appropriate value for the Phone category.
Gas
[Mandatory, Input Box, 15]
Enter the appropriate value for the Gas category.
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Budgeting
Field Name
Description
Cable
[Mandatory, Input Box, 15]
Enter the appropriate value for the Cable category.
Save
[Action Button]
Click Save from Options to save the budget. A user can use the
same budget later.
Submit
[Action Button]
Click Submit. A Confirmation screen with the Success Message
appears.
Change
[Action Button]
Click Change to make changes to the details.
Confirm
[Action Button]
Click Confirm to save the budget. The Success Message appears.
Save Budget
5. Click OK from Options for the Success Message that appears on the screen.0.
64.2
Expenses Vs Budget
The Expenses Vs Budget feature displays the Already Created Budget Vs the Expenditure for the
current period for the respective Categories and Sub-categories. The Expand icon against each
category, if clicked, displays the details of sub categories.
Note: If no budgets are set at Sub Categories level, then the Expand button, if clicked, displays
an Error Message as - No budgets are set for the sub categories. Please set budgets for sub
categories to View Expense Vs Budgets for sub categories.
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Budgeting
To Access the Expenses Vs Budget:
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
3. Click the Manage My Finance icon.
4. Click the Expenses Vs Budget icon. The following page is displayed.
Expenses Vs Budget
5. Select the desired Month from the dropdown.
6. Click Continue from Options. The following page is displayed.0.
Expenses Vs Budget
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Budgeting
Field Description
Field Name
Description
All Categories
[Display]
Displays the Expenses Vs Budget for the respective Categories
and Sub Categories.
Modify
[Action Button]
Click Modify from Options. It takes the user to the Set Budget
screen. Make the desired changes to the values entered for the
desired Categories and Sub Categories.
Submit
[Action Button]
Click Submit. A Confirmation screen with the Success Message
appears.
Change
[Action Button]
Click Change to make changes to the details.
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Budgeting
Field Name
Description
Confirm
[Action Button]
Click Confirm to save the budget. The Success Message appears.
64.3
Modify Budget
Once the budget is successfully created, a user can modify the same budget.
To Access the Modify Budget:
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
3. Click the Manage My Finance icon.
4. Click the Expenses Vs Budget icon.
5. Click Modify. The following page is displayed.
Modify Budget
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Budgeting
Field Description
Field Name
Description
All Categories
[Optional, Input Box, 15]
Modify the existing values for the desired Categories and Sub
Categories.
Modify
[Action Button]
Click Modify from Options. It takes the user to the Set Budget
screen. Make the desired changes to the values entered for the
desired Categories and Sub Categories.
Compare
[Action Button]
Click Compare. It takes user to the Benchmarking screen. It helps
user to compare the existing values against the Standard Values
selected.
View Budget
History
[Action Button]
Delete Budget
[Action Button]
Click View Budget History. The system displays the Budget set
for previous configured periods including the current period for the
selected category to make changes to the details.
Click Delete Budget from Options. A Warning Message is
displayed on the screen. Click OK to confirm the deletion.
Create Budget
[Action Button]
Click Create Budget to create a new budget. It takes the user to
the Set Budget screen.
Expand
[Icon]
Click Expand. It displays the budgets and expenses set for the
sub categories.
Collapse
[Icon]
Click Collapse. It closes the budgets and expenses displayed for
the sub categories.
The result is displayed as shown below.
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Budgeting
Field Description
Field Name
Description
Category
[Display]
Displays the name of the Category and Sub Category along with
the graph for the Expenses Vs the Budget.
Amount
[Display]
Displays the Amount for the Expenditure Vs the Budget for the
Category and Sub Category.
Expenditure
Graph
[Display]
The Expenditure Line Graph is displayed as
configurations:
per below
Green – Expenditure up to 50% of Budget
Yellow – Expenditure between 50% - 75% of Budget
Red – Expenditure more than 75% of Budget
6. Click Exit/Back to go back to the Manage My Finance page.
64.4
Budget History
The Budget History screen displays the Budget Vs the Expenditure for the previous configured
periods for the respective Categories and Sub Categories. If no budgets are set for categories or
sub categories for the given period then that space are left blank and an Error Message is
displayed as - No budgets set for the selected period. The Expenditure Vs Budget is displayed for
the remaining periods.
To access the Budget History:
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
3. Click the Manage My Finance icon.
4. Click the Budget History icon. The following page is displayed.
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Budgeting
Budget History
5. Select the desired month from the dropdown.
6. Click Continue from Options. It navigates the user to the Expenses Vs the Budget screen.
Budget History for the Selected Month
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Budgeting
64.5
Delete Budget
If multiple values to be modified, a user can simply remove an existing budget and create a new
one.
7. Click Delete Budget to remove an existing budget.
8. Click OK on the Confirmation screen.
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Spending Analysis
65.
Spending Analysis
The Spending Analysis option allows you to view Graphs and analyze the Spending Patterns.
You can view Spending Analysis in the form of Pie Chart (Default Graph) & Bar Graph. You can
also Print and Download the Spending Analysis along with graphs in the PDF format.
Note: This feature is available only for Retail user.
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
3. Click the Spending Analysis icon. The following page is displayed.
Spending Analysis
Note: A user can toggle between Pie Chart and Bar Graph.
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Spending Analysis
Field Description
Field Name
Description
Spending Analysis
Pie Chart
[Icon with Link]
Click the Pie Chart to check all the categories in the Pie Chart
form.
Bar Graph
[Icon with Link]
Click the Bar Graph to check all the categories in the Bar Graph
form.
Filter
[Action Button]
Click Filter from Options to specify the criteria to view the
Spending Analysis as per requirement.
View Transactions
[Action Button]
Click View Transaction from Options to see all the transaction
records.
Scroll Facility for
the Legend
[Action Button]
Compare with
Peers
[Action Button]
Use the Scroll Facility from Options to see the available
categories all at once.
Click this button to open the Benchmarking screen that enables
user to view the comparison of his five highest expenditure
categories with that of peers.
4. Click Filter from Options. The following page is displayed.
Filters in Spending Analysis
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Spending Analysis
Field Description
Field Name
Description
Customer
[Optional, Dropdown]
Select the desired Customer from the dropdown.
Search By
[Mandatory, Dropdown]
Select the desired option from the dropdown.
From Date
[Optional, Dropdown]
Select the desired From Date from the Date-Picker.
To Date
[Optional, Dropdown]
Select the desired To Date from Date-Picker.
Category
[Optional, Dropdown]
Select the desired Category from the dropdown.
Currency
[Optional, Dropdown]
Select the appropriate Currency Type from the dropdown.
View Trend
[Action Button]
Click View Trend from Options to check Specific Category Trend.
Transactions
[Action Button]
Click Transactions from Options to check the Transaction Details.
Update
[Action Button]
Click Update Categories from Options to add or delete the
desired Categories and Sub-Categories.
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Spending Analysis
Field Name
Description
Edit
[Action Button]
Click Modify Assignment to modify the transactions of the
desired Categories and Sub-categories.
5. Select the required data.
6. Click View Trend from Options.
Note: The View Trend option is available for both Categories and Sub-Categories.
The following screen is displayed.
View Trend
Trend for Specific Category
Field Description
Field Name
Description
Spending Analysis
[Display]
Displays the graph for the selected category.
Download
[Action Button]
Click Download from Options to download the displayed Spending
Analysis.
Close
[Action Button]
Click Close from Options to close the Current Spending Analysis
graph.
Trend for Specific Sub-Category
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Spending Analysis
7. Click View Transaction from Options. The following page is displayed.
Transactions
Transaction Details – For All Customers
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Spending Analysis
Transaction Details – For Single Customer
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Spending Analysis
Field Description
Field Name
Description
Transaction
record checkbox
[Optional, Checkbox]
Option to update /
modify the
category or sub
category
[Optional, Action Button]
View Transactions
[Action Button]
Select the desired transaction record.
Click Update/Modify from Options to update or modify the
selected category or sub-category.
Click View Transactions to view all the transactions.
Compare with
Peers
[Action Button]
Click Compare with Peers to reach to the Benchmarking screen.
The comparison of five highest expenditure categories with that of
peers is displayed.
8. Select the desired transactions records.
9. Click Edit from Options to make changes to the details.
Update
Spending Analysis – Categories
Field Description
Field Name
Description
Category
[Optional, Action Button]
Select the desired Category from the Categories dropdown.
10. Click Update from Options. The following page is displayed.
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Spending Analysis
Delete Category – Sub-Category
Field Description
Field Name
Description
Tick Mark for
Category
[Optional, Radio Button]
Select the desired categories or sub-categories from the list to
remove the same.
11. Select the desired Category or Sub-Category.
12. Click Delete from Options. The following Success Message is displayed.
Success Message
Add Category or Sub-Category
13. Click Add from Options. The following page is displayed.
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Spending Analysis
Add
Field Description
Field Name
Description
Add Options
Add Category
[Hyperlink]
Click the hyperlink to add the category.
Add Sub Category
[Hyperlink]
Click the hyperlink to add a sub-category to the desired category.
14. Click Add Category. The following page is displayed.
Add Category
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Spending Analysis
Field Description
Field Name
Description
Add a Category
[Optional, Input Box, 25]
Enter the desired name for the category to be created.
Update
[Action Button]
Click Update from Options to the hyperlink to add a sub-category
to the desired category.
15. Enter the desired name for the category.
16. Click Add from Options.0.
Add Sub-Category
Field Description
Field Name
Description
Select Category
[Optional, Dropdown]
Select the desired category from the dropdown.
Add a Sub
Category
[Optional, Input Box, 25]
Update
[Action Button]
Enter the desired sub-category to the above selected category.
Click Update from Options to the hyperlink to add a sub-category
to the desired category.
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Goal Calculator to View Indicative Savings
66.
Goal Calculator to View Indicative Savings
Before creating a goal, the Goal Calculator helps you to understand the Indicative Savings.
Note: The Registered Users and Visitors will only be able to use the Goal Calculator and
Compare Goals.
To access the Goal Calculator:
1. On the Login page, navigate to Goals > Goal Calculator.
Goal Calculator
Field Description
Field Name
Description
What are you saving for?
Name your Goal
[Mandatory, Input Box, 35]
Enter the desired Name of the Goal.
Set an Amount
[Mandatory, Input Box, 15]
Enter the desired amount.
Choose your
Category
[Mandatory, Dropdown]
Select the desired category from the dropdown.
How do you wish to start saving?
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Goal Calculator to View Indicative Savings
Field Description
How do you wish to start saving?
Amount with
which you wish to
start saving?
[Mandatory, Input Box, 15]
How often would
you like to
contribute?
[Mandatory, Dropdown]
Enter the desired Amount with which you wish to start saving.
Select the desired Frequency from the dropdown.
Set Your Goal Tenure
Field Description
Set Your Goal Tenure
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Goal Calculator to View Indicative Savings
Set Your Goal Tenure
Tenure in Months
[Mandatory, Input Box, 2]
Enter the desired number of months in the input box.
2. Click Calculate from Options. The following page is displayed.
Result
3. The amount that should be saved regularly to achieve the target set at the end of the tenure is
displayed to the user.
4. Click Create Goal from Options. It navigates the user to the Create Goal screen.0.
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Creating Goal
67.
Creating Goal
Creating a Goal helps user to analyze Savings, Expenses and the Time Limit required achieving
the desired result.
This feature also helps to Redeem, Share and Compare Goals. It also includes additional
features like Adding Participants, Requesting Contribution for Goals etc.
Note: This feature is used with the help of other features such as Budgeting and Spending
Analysis.
To Set a Goal:
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
3. Click the View Goal icon.
4. Click Set a Goal.
5. Scroll down to visit Goal Features section, as shown in the following screenshot.
Goal Features
6. Click Set Goal.
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Creating Goal
Create Goal
Field Description
Field Name
Description
Create Goal
Name your Goal
[Mandatory, Input Box, 35]
Enter the desired Name for your Goal.
Choose Category
[Mandatory, Dropdown]
Select the desired Category from the dropdown.
Create Goal
Choose Sub
Category
[Mandatory, Dropdown]
Select the desired Sub Category.
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Creating Goal
Choose Sub
Category
[Mandatory, Dropdown]
Set an Amount
[Mandatory, Input Box, 15]
Select the desired Sub Category.
Enter an appropriate Amount for Goal Setting.
This field displays the Currency Type same as the one applied for
user’s Account Summary.
Create Goal
Set Target Date
[Conditional, Date Picker]
Select the Target Date from the Date Picker.
OR
Set Tenure
[Conditional, Dropdown]
Select the desired Tenure Values for Years, Months and Days.
Checkbox for Terms [Checkbox]
& Conditions
Select the checkbox to accept the Terms and Conditions and proceed.
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Creating Goal
Terms and Conditions
View Terms and
Conditions
[Hyperlink]
Click the Hyperlink to view the Terms and Conditions.
Amount to Start With
Field Description
Field Name
Description
Amount
[Mandatory, Input Box, 15]
Enter the desired Amount. The field also displays the Currency Type.
It is same as the Currency Type selected for your Saving Accounts.
Funding Account
Number
[Mandatory, Dropdown]
Select the desired Account Number.
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Creating Goal
Frequency of Contribution
Field Description
Field Name
Description
How regularly you wish to start with?
Funding Account
Number
[Searchable Dropdown]
Start Date
[Date Picker]
Select the desired Account Number for Funding.
Select the desired Start Date from the Date Picker.
End Date
[Date Picker]
Select the desired End Date from the Date Picker.
Transfer options on Maturity
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Creating Goal
Field Description
Field Name
Description
How do you wish to receive the amount on completion of tenure?
Account Transfer
Options
[Mandatory, Dropdown]
Select the desired value from the following:



Transfer to Users Mapped Accounts
Transfer to Internal Bank Account
Transfer through Domestic Clearing Network
Account Details
Field Description
Field Name
Description
Account Number
[Conditional, Dropdown]
The dropdown for this field is available only when the option selected
for Account Transfer is Transfer to Users Mapped Accounts.
Select the desired Account Number from the dropdown.
City
[Conditional, Dropdown]
This field is available only when the option selected for the Account
Transfer is Transfer to Internal Bank Account.
Select the desired City from the dropdown.
Branch
[Conditional, Dropdown]
This field is available only when the option selected for Account
Transfer is Transfer to Internal Bank Account.
Select the desired Branch from the dropdown.
OR
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Creating Goal
Account Details
Field Description
Field Name
Description
Account Number
[Conditional, Input Box]
The Input Box for this field is available only when the option selected
for Account Transfer is Transfer to Internal Bank Account OR Transfer
through Domestic Clearing Network.
Enter the appropriate Account Number.
Beneficiary Name
[Conditional, Input Box, 35]
Enter the desired Beneficiary Name.
Network Type
[Dropdown]
Select the desired Network Type.
Bank Details
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Creating Goal
Field Description
Field Name
Description
Bank Code
[Lookup Icon]
Select the appropriate Bank Code using the Lookup Icon.
Bank Name
[Optional, Input Box]
Once user selects the SWIFT/Domestic Clearing Bank Code from
Search option, this field is auto populated.
Bank Address
[Optional, Input Box, 35*2]
Once user selects the Domestic Clearing Bank Code from Search
option, These fields is auto populated.
City
[Optional, Input Box, 35]
Once user selects the National Clearing Bank Code from Search
option, field is auto populated.
Submit
[Action Button]
Click Submit from Options to submit the details.
The Verify Goal page is displayed.
Verify Goal
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Creating Goal
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Creating Goal
7. Click Change to make changes to the details.
8. Click Confirm to confirm the details. The Confirmation Message is displayed as shown below:
Confirm Goal
9. Click the Options button available on the Goal page. The following page is displayed.
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Options Available for Goal
68.
Options Available for Goal
The Goals related features are provided to the Existing Customer of the Bank. These options
provide the visitors to view the information related to Goals and navigate them to create various
Goal functions.
68.1
View Goal
The View Goal feature helps user to view the entire information of the selected goal.
To Access View Goal:
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
3. Click the Manage My Finance icon.
4. Navigate to View Goal. The list of already created Goals is displayed as shown below:
View Goals
5. Select the desired goal. The entire information for the selected goal is displayed as shown below:
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Options Available for Goal
View Goals
6. Check the details. A user can modify the information using Modify from Options. It navigates user
to the Edit Goals screen.0.
68.2
Modify Goal
The Edit option is provided against each goal. It enables any user to modify the goal details at
any time during the tenure of the goal.
The user can modify the Goal Name, Goal Image and Goal Amount, Tenure and the Regular
Contribution and Maturity Instruction Details entered at the time of goal creation using the Edit
hyperlink provided against each goal. The Initial Funding, Goal Category and the Goal Sub
Category cannot be modified.
On Modification and Confirmation, an alert for Confirmation Message is displayed to the
customer.
To Modify a Goal:
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
3. Click the Manage My Finance icon.
4. Click the Edit from Options. The entire Goal Information is displayed as shown in the following
screenshot.
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Options Available for Goal
Edit Goals
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Options Available for Goal
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Options Available for Goal
Field Description
Field Name
Description
Edit Goal
What are you Saving for?
Please provide your Goal Details:
Name your Goal
[Mandatory, Input Box, 35]
Enter the desired Name for your Goal.
Choose Category
[Mandatory, Dropdown]
Select the desired Category from the dropdown.
Choose Sub
Category
[Mandatory, Dropdown]
Change Image
[Hyperlink]
Select the desired Sub Category.
Click the link to Browse and Upload the desired photo.
Set an Amount
[Mandatory, Input Box, 15]
Enter an appropriate Amount for Goal Setting.
This field displays the Currency Type same as the one applied for
user’s Account Summary.
Set Target Date
[Conditional, Date Picker]
Select the Target Date from the Date Picker.
OR
Set Tenure
[Conditional, Dropdown]
Select the desired Tenure Values for Years, Months and Days.
Goal Calculator
[Hyperlink]
Click the Hyperlink to open the Goal Calculator.
Compare
[Hyperlink]
Click the hyperlink to compare your goal with the Standard Values
selected from the database. It helps you to modify your existing Goal
Settings.
How often would you like to contribute?
Funding Account
Number
[Searchable Dropdown]
Frequency
[Dropdown]
Select the desired Account Number for Funding.
Select the desired Frequency Value from the dropdown.
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Options Available for Goal
Field Name
Amount
Description
[Mandatory, Input Box, 15]
Enter the desired Amount. The field also displays the Currency Type.
It is same as the Currency Type selected for your Saving Accounts.
Start Date
[Date Picker]
Select the desired Start Date from the Date Picker.
End Date
[Date Picker]
Select the desired End Date from the Date Picker.
How do you wish to receive the amount on completion of tenure?
Account Transfer
Options
[Mandatory, Dropdown]
Select the desired value from the following:
 Transfer to Users Mapped Accounts
 Transfer to Internal Bank Account
 Transfer through Domestic Clearing Network
Account Number
[Conditional, Dropdown, 20]
The dropdown for this field is available only when the option selected
for Account Transfer is Transfer to Users Mapped Accounts.
Select the desired Account Number from the dropdown.
City
[Conditional, Dropdown]
This field is available only when the option selected for Account
Transfer is Transfer to Internal Bank Account.
Select the desired City from the dropdown.
Branch
[Conditional, Dropdown]
This field is available only when the option selected for Account
Transfer is Transfer to Internal Bank Account.
Select the desired Branch from the dropdown.
Account Number
[Conditional, Input Box]
The Input Box for this field is available only when the option selected
for Account Transfer is Transfer to Internal Bank Account OR Transfer
through Domestic Clearing Network.
Enter the appropriate Account Number.
Beneficiary Name
[Conditional, Input Box, 35]
Enter the desired Beneficiary Name.
Network Type
[Dropdown]
Select the desired Network Type.
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Options Available for Goal
Field Name
Bank Code
Description
[Lookup Icon]
Select the appropriate Bank Code using the Lookup Icon.
Bank Name
[Optional, Input Box]
Once user selects the SWIFT/Domestic Clearing Bank Code from
Search option, this field is auto populated.
Bank Address
[Optional, Input Box, 35*2]
Once user selects the Domestic Clearing Bank Code from the Search
option, These fields is auto populated.
City
[Optional, Input Box, 35]
Once user selects the National Clearing Bank Code from the Search
option, field is auto populated.
Confirm Edit
[Action Button]
Click Confirm Edit to submit the changes made.
5. Make the desired changes to the details.
6. Click Confirm Edit from Options. The Success Message is displayed as shown in the following
screenshot.
Confirm
7. Click OK from Options. It navigates the user to the list of goals.
68.3
Add Participants to the goal
The Add Participants feature allows you to add your friends and family to your goal.
To Add New Participants:
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
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Options Available for Goal
3. Click the Manage My Finance icon.
4. Click the Participants icon. The following page is displayed.
Participants
Remove Participants
5. Click Delete/Remove Participants from Options. The following page is displayed.
Remove Participants
6. Select the checkbox for the desired Email ID.
7. Click Delete/Remove from Options. The desired participant is removed.
Add Participant
1. Click Add Participant from Options. The following page is displayed.
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Options Available for Goal
Add Participant
2. Click Submit. The following message is displayed.
Alert Message
Note: The numbers of participants that can be added to a goal are configurable.
3. Click OK from Options.0.
Register as Participant
1. Click Register from Options. The following page is displayed.
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Options Available for Goal
Register as a Participant
Field Description
Field Name
Description
Email
[Mandatory, Input Box, 255]
Enter the appropriate Email ID.
Reference Number
[Mandatory, Input Box]
Enter the appropriate Reference Number.
Security Code
[Mandatory, Input Box]
Enter the appropriate Security Code.
Register as Participant
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Options Available for Goal
Field Description
Field Name
Description
First Name
[Mandatory, Input Box]
Enter the appropriate First Name.
Last Name
[Mandatory, Input Box]
Enter the appropriate Last Name.
Email ID
[Mandatory, Input Box, 255]
Enter the appropriate Email ID.
Password
[Mandatory, Input Box]
Enter the desired Password.
Confirm Password
[Mandatory, Input Box]
Re-enter the above Password.
Register
[Action Button]
Click Register from Options.
2. Click Register from Options. The Success Message is displayed as shown in the following
screenshot.
Success Message for Registration
Note: In the Existing Participants section, against the Email ID - any one of the statuses is
displayed.
Please refer to the following example to understand the status of the request.
For Example:
Accepted – Green Color
Rejected – Red Color
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Options Available for Goal
Request Pending – Yellow Color
This value depends on if the participant has accepted the request or not. Please refer to the
following screenshot for the same.
Request Accepted - Green Color
The link for becoming a participant to a goal is valid as long as the goal is Active. On the closure
of the goal, the link is no longer valid.
The participant/s once added to a goal is able to Fund the Goal, Share the Goal, Request for
Contribution and View Goal Transactions.
Note: If the participant Rejects the Request – then on clicking the Email link, an Error Message
is displayed as Authentication failed. You have rejected the request to be added as participant of
goal.
68.4
Fund Goal
The Goal is to be credited at regular intervals, based on the instruction, if the Regular
Contribution is been set. The Ad hoc Contribution to the goal also can be done by Internal
Transfer from Internal Accounts. There are no restrictions to the number of times a goal can be
funded during the tenure of the goal. The goal can be funded from an account of different
currency from the goal currency.
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
3. Click the Manage My Finance icon.
4. Click the Fund Goal from Other Options, as shown in the following screenshot.
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Options Available for Goal
Other Options
The following page is displayed.
Fund Goal - Initiate
The following page is displayed.
Field Description
Field Name
Description
You can fund your goal through your funds from an existing saving account.
Funding Account
[Dropdown]
Select the desired Account Number for Funding.
Amount
[Mandatory, Input Box, 15]
Enter the desired Amount. The field also displays the Currency Type.
It is same as the Currency Type selected for your Saving Accounts.
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Options Available for Goal
Field Name
Description
You can fund your goal through your funds from an existing saving account.
Payment Schedule
[Mandatory, Dropdown]
Select the desired option from the dropdown.
Payment Date
[Conditional, Date-Picker]
Select the desired Payment Date from the Date-Picker.
Cancel
[Action Button]
Click Cancel to cancel the transaction.
Submit
[Action Button]
Click Submit to submit the details for further funding process.
The following page is displayed.
Fund Goal – Verify
Field Description
Field Name
Description
Goal will be funded as per the instructions given by you.
Funding Account
[Display]
Displays the selected Account Number for Funding.
Amount
[Display]
Displays the entered Amount.
Payment Schedule
[Display]
Displays the selected option.
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Options Available for Goal
Field Name
Description
Goal will be funded as per the instructions given by you.
Payment Date
[Display]
Displays the selected date.
Change
[Action Button]
Click Change to make the changes to the details.
Confirm
[Action Button]
Click Confirm to confirm the details.
The following page is displayed on the confirmation.
Fund Goal – Confirm
5. Click OK.
68.5
Share Goal
The Share Goal option allows user to share goals with contacts on social media from the
available list of the friends.
A goal can be shared with Public, All. Also the Multiple Contact Selection is allowed.
A message (configurable by the bank) with a Title, a Short Description of the goal, Personalized
Message (if specified) is posted on the wall of the user.
A link to the bank’s URL is also available on the shared post. This link navigates user to the
bank’s page from where the user can access Goal Settings.
The Goal can also be shared by the participant, irrespective of whether the owner of the goal has
shared the goal or not.
To Share a Goal:
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
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Options Available for Goal
3. Click the Manage My Finance icon.
4. Click the Share Goal from Other Options. The following page is displayed.
Share Goal
Field Description
Field Name
Description
Choose the image to be assigned by you to the goal
Image assigned by
you to the goal
[Action Button]
Default Image
[Action Button]
Click this button if you want to set an image assigned by you to the
goal.
Click this button if you want to set a default image to the goal.
Personalized
Message about the
Goal
[Optional, Input Box]
Back
[Action Button]
You can enter a personalized message about the goal.
Select this button from Options to go back to the Image Setting page.
Continue
[Action Button]
Select this button from Options to continue with the process.
The following page is displayed.
Note: A user can share the goal using any Social Media.
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Options Available for Goal
Share Goal on Facebook
Field Description
Field Name
Description
Share Goal
You must login to see the following page:
Email
[Mandatory, Input Box, 255]
Enter the valid Email ID to login to Facebook.
Password
[Mandatory, Input Box, 20]
Enter the Valid Password.
Facebook Application for Goal
Custom Privacy
Make this visible [Mandatory, Drop-down, Multiple selection is allowed]
to these people or
Select the desired value from the dropdown.
lists
Login
[Drop-down]
Click Login to login into the Internet Banking.
Cancel
[Action Button]
Click Cancel to cancel the Contribution Process.
Share
[Action Button]
Click Share to proceed with the Sharing process.
The following page is displayed.
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Options Available for Goal
Share Goal on Facebook
5. Click Continue from Options. The following page is displayed.
About This App
6. Click Continue from Options. The following page is displayed.
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Options Available for Goal
Select Friends
7. Select the checkboxes against the desired friends. The App information will be forwarded to the
selected friends.
8. Click Submit from Options. The Success Message is displayed as shown in the following
screenshot.
Success Message
9. Click Back from Options. It navigates you to the Other Options screen.
68.6
Request Contribution to the Goal
The Contributions towards goal can be done only by individuals having existing Savings Account
Relationship. The Request for Contribution allows user to request for contribution from others
through the Social Networking site – currently Facebook.
The individual from whom contribution has been requested is able to contribute to the goal by
clicking the link on the post. On clicking the link, the individual is navigated to the application
through Facebook (for validation of the Facebook User ID).
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Options Available for Goal
The application validates if UID entered is been mapped with the goal. Once the validation is
successful, the member is then navigated to the FCDB application login screen.
The successful login process navigates a user to the Goal Contribution screen.
To Contribute to a Goal:
1. Login to the Java Application Based Mobile Banking.
2. Click the PFM icon on the Home page.
3. Click the Manage My Finance icon.
4. Click Request Contribution from Other Options. The following page is displayed.
Request for Contribution
Field Description
Field Name
Description
Choose the image to be assigned by you to the goal
Image assigned by
you to the goal
[Action Button]
Default Image
[Action Button]
Click this button if you want to set an image assigned by you to the
goal.
Click this button if you want to set a default image to the goal.
Personalized
[Optional, Input Box]
message about the
You can enter a Personalized Message about the goal.
goal
Back
[Action Button]
Select this button from Options to go back to the Image Setting page.
Continue
[Action Button]
Select this button from Options to continue with the process.
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Options Available for Goal
The following page is displayed.
Note: A user can request for contribution using any Social Media.
Request Contribution Using Facebook
Field Description
Field Name
Description
Request Contribution Using Facebook
You must login to see the following page:
Email
[Mandatory, Input Box, 255]
Enter the valid Email ID to login to Facebook.
Password
[Mandatory, Input Box, 20]
Enter the Valid Password.
Facebook Application for Goal
Custom Privacy
Make this visible [Mandatory, Drop-down, Multiple selection is allowed]
to these people or
Select the desired value from the dropdown.
lists
Login
[Drop-down]
Click Login to login into the Internet Banking.
Cancel
[Action Button]
Click Cancel to cancel the Contribution Process.
Share
[Action Button]
Click Share to proceed with the Sharing process.
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Options Available for Goal
The following page is displayed.
Request Contribution
5. Click Continue from Options. The following page is displayed.
Request Contribution
6. Click Continue from Options. The following page is displayed.
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Options Available for Goal
Select Friends
7. Select the checkboxes against the desired friends. The App information will be forwarded to the
selected friends.
8. Click Submit from Options. The Success Message is displayed as shown in the following
screenshot.
Success Message
9. Click Back from Options. It navigates you to the Other Options screen.0.
68.7
Goal Contribution
A user may receive a request for Goal Contribution through any Social Media. To contribute
towards any goal, a user needs to respond to the request received for the same.
To Contribute Towards Goal:
1. Login to the Facebook Account. The shared post of Request Contribution is displayed.
2. Click the respective hyperlink. The following page is displayed.
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Options Available for Goal
Request Received for Contribution
3. Click Continue from Options. The following page is displayed.
Sign In
Field Description
Field Name
Description
Request Received for Contribution
You must login to see the following page:
User ID
[Mandatory, Input Box]
Enter the valid User ID to login to the Online Banking.
Password
[Mandatory, Input Box, 20]
Enter the valid password.
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Options Available for Goal
Field Name
Forgot Password
Description
[Hyperlink]
Click this link in case you forget the password. A user receives the
Password Link through Registered Email to reset the password.
New to Online
Banking
[Hyperlink]
Click this link if you are new to Online Banking.
Register Now
Login
[Drop-down]
Click Login to login into the Internet Banking.
Cancel
[Action Button]
Click Cancel to cancel the Contribution Process.
Contribute
[Action Button]
Click Contribute to proceed with the Contribution process.
Note: The Contribution towards a goal can be done only by Existing Customers. The contributor
is able to transfer funds from Internal Account to Goal.
4. Once Logged in, Click Contribute from Options. The following page is displayed.
Goal Contribution
Field Description
Field Name
Description
Goal Contribution
Goal Name
[Mandatory, Input Box]
Enter the desired Goal Name in the input box.
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Options Available for Goal
Field Name
Description
Goal Contribution
Goal Owner
[Mandatory, Input Box]
Enter the Name of the Goal Owner in the input box.
From Account
[Mandatory, Dropdown]
Select the desired Account Number from the dropdown.
Transaction Amount [Mandatory, Input Box, 15]
Enter the desired Transaction Amount. The Currency Type displayed
is similar to the selected Source Account.
Back
[Action Button]
Select this button from Options to go back to the Login page.
Continue
[Action Button]
Select this button from Options to continue with the process.
5. Click Continue from Options. The following Verify page is displayed.
Goal Contribution – Verify
6. Click Continue from Options. The following Confirm page is displayed.
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Options Available for Goal
Goal Contribution – Confirm
7. Select Back from Options to go back to the Goal Contribution page.0.
68.8
Benchmarking – Compare with Peers
The Benchmarking feature allows a customer or a non-customer to compare their standings for
various products and services like their Goals, their Budgets with others.
A user is able to benchmark his performance and compare with people lying within Same Age
Group, Same Income Group, Same Locality etc. or as per the selection.
To Compare Goals:
1. Navigate to Manage My Finance > Goal section.
2. Click Compare with Peers. The following page is displayed.
Benchmarking for Budget
Compare with Peers - Budget
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Options Available for Goal
Field Description
Field Name
Description
Compare with Peers
I want to Compare
[Mandatory, Dropdown]
Select the desired option from the dropdown.
Once the user selects the desired value from the dropdown, the following fields are
displayed.
Select Category
[Optional, 3 Dropdowns]
Select the desired values from the respective dropdowns.
Choose Income
Group
[Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
Choose Age Group [Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
Choose Gender
[Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
Choose State
[Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
Compare
[Action Button]
Click Compare from Options to compare your Goal with the selected
parameter values.
3. Select the required data.
4. Click Compare from Options. The following screen is displayed.
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Options Available for Goal
Result
Field Description
Field Name
Description
Observation
[Display – Bar Graph]
Displays the Graphical View of the parameter values selected for the
comparison.
It provides you the details of the people falling in your category, on the
basis of parameter values you select for comparison.
Average Goals and [Display]
Targets
Displays the Graphical View of the Average Goals and Targets
achieved by the people falling in your category, on the basis of
parameter values you select for comparison.
Benchmarking for Goals
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Options Available for Goal
Compare with Peers – Goals
Field Description
Field Name
Description
Compare with Peers
I want to Compare
[Mandatory, Dropdown]
Select the desired option from the dropdown.
Once the user selects the desired value from the dropdown, the following fields are
displayed.
Select Goal Type
[Optional, 3 Dropdowns]
Select the desired values from the respective dropdowns.
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Options Available for Goal
Field Name
Description
Compare with Peers
Choose Income
Group
[Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
Choose Age Group [Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
Choose Gender
[Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
Choose State
[Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
Compare
[Action Button]
Click Compare from Options to compare your Goal with the selected
parameter values.
5. Select the required data.
6. Click Compare from Options. The following screen is displayed. 0.
Result
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Options Available for Goal
Benchmarking for Goals
Compare with Peers – Expenses
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Options Available for Goal
Field Description
Field Name
Description
Compare with Peers
I want to Compare
[Mandatory, Dropdown]
Select the desired option from the dropdown.
Once the user selects the desired value from the dropdown, the following fields are
displayed.
Select Goal Type
[Optional, 4 Dropdowns]
Select the desired values from the respective dropdowns.
Choose Income
Group
[Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
Choose Age Group [Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
Choose Gender
[Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
Choose State
[Optional, Dropdown – Check box]
Select the desired value from the dropdown.
Select the checkbox if the same parameter is to be included for
comparison.
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Options Available for Goal
Field Name
Description
Compare with Peers
Compare
[Action Button]
Click Compare from Options to compare your Goal with the selected
parameter values.
1. Select the required data.
2. Click Compare from Options. The following screen is displayed.
Result
68.9
Redeem Goal
The Redeem Goal feature allows you to redeem your goal as per your requirement.
To Redeem a Goal:
1. Login to the Java Application Based Mobile Banking.
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Options Available for Goal
2. Click the PFM icon on the Home page.
3. Click the Manage My Finance icon.
4. Click Redeem Goal from Other Options. The following page is displayed.
Redeem
Field Description
Field Name
Description
Redeem Goal
Redeem Type
[Mandatory, Dropdown]
Select the desired option from the following:


Current Balance
Partial
Full
[Display]
Displays the Current Balance.
Redemption Amount
[Mandatory, Input Box, 15]
Enter the desired Amount value for Redeem.
Reason for
Redemption
[Optional, Input Box]
Account Transfer
Options
[Mandatory, Dropdown]
Enter the reason for redemption.
Select the desired value from the following:



Transfer to Users Mapped Accounts
Transfer to Internal Bank Account
Transfer through Domestic Clearing Network
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Options Available for Goal
Field Name
Description
Redeem Goal
Account Number
[Conditional, Dropdown, 20]
The dropdown for this field is available only when the option
selected for Account Transfer is Transfer to Users Mapped
Accounts.
Select the desired Account Number from the dropdown.
City
[Conditional, Dropdown]
This field is available only when the option selected for Account
Transfer is Transfer to Internal Bank Account.
Select the desired City from the dropdown.
Branch
[Conditional, Dropdown]
This field is available only when the option selected for Account
Transfer is Transfer to Internal Bank Account.
Select the desired Branch from the dropdown.
Account Number
[Conditional, Input Box]
The Input Box for this field is available only when the option selected
for Account Transfer is Transfer to Internal Bank Account OR
Transfer through Domestic Clearing Network.
Enter the appropriate Account Number.
Beneficiary Name
[Conditional, Input Box, 35]
Enter the desired Beneficiary Name.
Network Type
[Dropdown]
Select the desired Network Type.
Bank Code
[Lookup Icon]
Select the appropriate Bank Code using the Lookup Icon.
Bank Name
[Optional, Input Box]
Once user selects the SWIFT/Domestic Clearing Bank Code from
Search option, this field is auto populated.
Bank Address
[Optional, Input Box, 35*2]
Once user selects the Domestic Clearing Bank Code from Search
option, These fields is auto populated.
City
[Optional, Input Box, 35]
Once user selects the National Clearing Bank Code from Search
option, field is auto populated.
Cancel
[Action Button]
Click Cancel to cancel the transaction.
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Options Available for Goal
Field Name
Description
Redeem Goal
Submit
[Action Button]
Click Submit to submit the details.
The following page is displayed.
Redeem – Verify
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Options Available for Goal
Field Description
Field Name
Description
Redeem Goal
Redeem Type
[Mandatory, Tabs]
Select the desired option from the following:


Current Balance
Partial
Full
[Display]
Displays the Current Balance.
Redemption
Amount
[Mandatory, Input Box, 15]
Reason for
Redemption
[Optional, Input Box]
Account Transfer
Options
Enter the desired Amount value for Redeem.
Enter the reason for redemption.
[Mandatory, Dropdown]
Select the desired value from the following:



Account Number
Transfer to Users Mapped Accounts
Transfer to Internal Bank Account
Transfer through Domestic Clearing Network
[Conditional, Dropdown, 20]
The dropdown for this field is available only when the option
selected for Account Transfer is Transfer to Users Mapped
Accounts.
Select the desired Account Number from the dropdown.
City
[Conditional, Dropdown]
This field is available only when the option selected for Account
Transfer is Transfer to Internal Bank Account.
Select the desired City from the dropdown.
Branch
[Conditional, Dropdown]
This field is available only when the option selected for Account
Transfer is Transfer to Internal Bank Account.
Select the desired Branch from the dropdown.
Account Number
[Conditional, Input Box]
The Input Box for this field is available only when the option selected
for Account Transfer is Transfer to Internal Bank Account OR
Transfer through Domestic Clearing Network.
Enter the appropriate Account Number.
Beneficiary Name
[Conditional, Input Box, 35]
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Options Available for Goal
Enter the desired Beneficiary Name.
Network Type
[Dropdown]
Select the desired Network Type.
Bank Code
[Lookup Icon]
Select the appropriate Bank Code using the Lookup Icon.
Bank Name
[Optional, Input Box]
Once user selects the SWIFT/Domestic Clearing Bank Code from
Search option, this field is auto populated.
Bank Address
[Optional, Input Box, 35*2]
Once user selects the Domestic Clearing Bank Code from Search
option, These fields is auto populated.
City
[Optional, Input Box, 35]
Once user selects the National Clearing Bank Code from Search
option, field is auto populated.
Cancel
[Action Button]
Click Cancel to cancel the transaction.
Submit
[Action Button]
Click Submit to submit the details.
5. Click Redeem to proceed with the redeem process. The Verify page is displayed.
6. Verify the details and click Confirm from Options. The Confirmation page is displayed.
7. Click OK from Options to go back to the Other Options page.
Note: On Verification and Conformation an alert is sent to the user.
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