User Manual Oracle FLEXCUBE Direct Banking Android Application

User Manual Oracle FLEXCUBE Direct Banking Android Application
Oracle FLEXCUBE Direct
Banking
Android Application Based Mobile Banking
User Manual
Release 12.0.3.0.0
Part No. E52543-01
April 2014
Android Application Based Mobile Banking User Manual
April 2014
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India
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Phone: +91 22 6718 3000
Fax:+91 22 6718 3001
www.oracle.com/financialservices/
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User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
ii
Table of Contents
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
45.
46.
47.
48.
49.
Preface .................................................................................................................................................4
Transaction Host Integration Matrix .................................................................................................5
Pre-Login Transactions ......................................................................................................................9
Login ................................................................................................................................................. 11
Logout ............................................................................................................................................... 13
Register for Online Banking ........................................................................................................... 14
Open New Account .......................................................................................................................... 22
Dashboard / Landing Screen .......................................................................................................... 33
Manage Profile ................................................................................................................................. 36
Forgot Password .......................................................................................................................... 39
Change Password......................................................................................................................... 42
Set any Transaction as Favorite ................................................................................................. 44
Service Requests .......................................................................................................................... 47
Account Summary ........................................................................................................................ 50
Account Activity ........................................................................................................................... 53
Account Details ............................................................................................................................. 58
Adhoc Statement .......................................................................................................................... 60
Notifications .................................................................................................................................. 63
Alert Subscription......................................................................................................................... 70
Forex Rate Inquiry ........................................................................................................................ 79
Cheques ......................................................................................................................................... 82
Loans ............................................................................................................................................. 91
Financing Details ........................................................................................................................ 107
Mutual Funds .............................................................................................................................. 114
Budget Management .................................................................................................................. 142
Goal Setting ................................................................................................................................. 150
Spending Analysis...................................................................................................................... 183
Benchmarking ............................................................................................................................. 191
Beneficiary Maintenance ........................................................................................................... 201
Direct / Quick Pay ....................................................................................................................... 217
Own Account Transfer ............................................................................................................... 224
Domestic Transfer ...................................................................................................................... 228
Internal Transfer ......................................................................................................................... 233
International Transfer ................................................................................................................. 237
Scheduled Transfers .................................................................................................................. 243
P2P Transfer ................................................................................................................................ 248
Payment Options ........................................................................................................................ 278
Bill Payment ................................................................................................................................ 283
Credit Cards ................................................................................................................................ 293
Term Deposits ............................................................................................................................. 306
Contract Deposits ....................................................................................................................... 331
Transaction Activities ................................................................................................................ 335
Authorization of Transactions ................................................................................................... 342
Transaction Password ............................................................................................................... 347
Security Questions ..................................................................................................................... 350
Subscribe / Unsubscribe Banking Channel ............................................................................. 353
Calculators .................................................................................................................................. 360
ATM Branch Locator .................................................................................................................. 373
Offers ........................................................................................................................................... 377
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
iii
Preface
1.
Preface
1.1
Intended Audience
This document is intended for the following audience:

Customers

Partners
1.2
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 Android Application Based Mobile Banking
4
Transaction Host Integration Matrix
2.
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.
SR
Service Requests
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Qualified with
Mobile Enabler
Pre-Login Transaction
NH
NH
Y
Log In
NH
NH
Y
Log Out
NH
NH
Y


Y


Y
Manage Profile
NH
NH
N
Change Password
NH
NH
Y
Forgot Password
NH
NH
Y
Favorites
NH
NH
Y
View Application Status


Y
Service Request (Credit
Card Hotlisting)
SR
SR
Y
Account Activity


Y
Account Details


Y
Account Summary


Y
Ad-hoc Account
Statement Request


Y
Register for Online
Banking
Open New Account
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
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Transaction Host Integration Matrix
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Qualified with
Mobile Enabler
Cheque Book Request


Y
Cheque Status Inquiry


Y
Stop /Unblock Cheque
Request


Y
Loan Details


Y
Loan Top Up


Y
Financing Details


Y
Mail Box


Y
Reminders


Y
Alerts


Y
Alerts Registration


Y
Exchange Rate Inquiry


Y
Buy Mutual Fund


Y
Redeem Mutual Fund


Y
Portfolio


Y
Switch Mutual Fund


Y
Order Status


Y
Budget Calculator
NH
NH
Y
Budget History
NH
NH
Y
Compare Budget
NH
NH
Y
Compare Goals
NH
NH
Y
Compare Spend
NH
NH
Y
Create Goal


Y
Edit Goals


Y
Fund Goal


Y
NH
NH
Y
Goal Calculator
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
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Transaction Host Integration Matrix
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Qualified with
Mobile Enabler
NH
NH
Y
Redeem Goals


Y
Request for Contribution
to Goal


Y
Set/Modify Budget
NH
NH
Y
Share Goal


Y
Transaction - Goals


Y
View Goals


Y
NH
NH
Y


Y
NH
NH
Y


Y
Own Account Transfer


Y
Internal Account
Transfer


Y
Domestic Account
Transfer


Y
International Account
Transfer


Y
Scheduled Transfers


Y


Y


Y


Y


Y


Y


Y
NH
Y
Participants - Goals
(Add/Deregister)
Expenses vs Budget
Spend Analysis
Beneficiary
Maintenance
Quick Pay
P2P Beneficiaries
Peer to Peer NFC
Payment
Peer to Peer Payment
Peer to Peer QR Code
Pay Bill
Register Biller
Delete Biller
NH
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
7
Transaction Host Integration Matrix
Transaction Name
FLEXCUBE UBS
Third Party Host
System
Qualified with
Mobile Enabler


Y
Redeem Term Deposit


Y
Term Deposit Details


Y
Term Deposit Top Up


Y
Contract Term Deposits
View


Y
Credit Card Details


Y
Credit Card Statement


Y
Credit Card Payment


Y
Transaction Activities
NH
NH
Y
Transactions to
Authorize
NH
NH
Y
Transaction Password
Behavior
NH
NH
Y
Security Questions
NH
NH
Y
Subscribe/Unsubscribe
Banking Channel
NH
NH
N
Calculators
NH
NH
Y
ATM / Branch Locator
NH
NH
Y
Offers
NH
NH
Y
Open Term Deposit
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
8
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 Home screen.
To access pre-login transactions
1.
Download the Android-based FCDB application on your Android device.
2.
Click the FCDB application icon on your Android device.
The system displays initial Home screen.
Home
3.
Click each transaction from the home screen to access the transaction.
Some of the pre login transactions available on the login screen are:

Contact Us: You can contact bank for any required information or queries

Find Us: You can search ATMs and bank branches across any location. It also displays maps
along with the ATM Bank Branch address. Please refer ATM Branch Locator section for further
details.

FAQs: You can view the frequently asked questions about the application.

Offers: You can view various offers available. Please refer offers section for further details.

Calculators: You can use various types of calculators like Loan Calculator, Savings Calculators
etc. Please refer Calculators section for further details.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
9
Pre-Login Transactions

Product Showcase: You can view various personal and corporate products offered by bank.

Receive Payments: You can receive payment through different mode like email, facebook and
mobile.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
10
Login
4.
Login
You can enter the username and password assigned to you to log on to the application in the
Login screen.
To log on to the Android based FCDB application
1.
Click FCDB application icon on your Android device.
The system displays initial Home screen.
2.
Click Sign In.
The system displays the login screen of the application.
Login
3.
Enter the username and password assigned to you.
4.
Click the Sign In button.
The system displays the dashboard of the application.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
11
Login
Dashboard
Note: Please refer to the Dashboard/Landing Screen section in this User Manual for more information on
the dashboard of the application.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
12
Logout
5.
Logout
You can log off from the application from any screen of the application.
To log out of the Android based FCDB application
1.
Log on to the Android based application.
The system displays the dashboard of the application.
Dashboard
2.
Click the Sign Out
button.
The system displays an alert message.
3.
Click Ok.
The system logs you out successfully from the application.
13
Register for Online Banking
6.
Register for Online Banking
When you access the Android- based application, you can register to the bank site from the
application.
If you are a new (unregistered) customer of the bank, you must specify a valid email address and
a login password.
If you are a registered customer of the bank, you must specify your account type with the bank
and enter the related Customer ID, account number and other details as present in the
application.
You must also specify a captcha code in the registration process to help prevent unauthorised
activity.
After registration, you can login to the application. You can access these transactions in the
application after registration:

Open New Account

View Application Status

Register to Receive P2P Payments and claim P2P Funds

Offers, Coupons and Advertisements - Targeted (based on Interest) and Generic offers

Alerts & Bulletins (based on interest)

Inquiries directly to bank representatives

ATM Branch Locator

Manage User Profile

Tools and Calculator
To register to access online services if you are a unregistered customer
1.
Click Register Now button on login screen of the Android –based banking application.
The system displays a screen to check if you are existing customer of the bank.
2.
Click No and then click Continue.
The system displays the New Customer screen.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
14
Register for Online Banking
New Customer
3.
Click the Next button.
The system displays new registration form.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
15
Register for Online Banking
New Registration Form
Field Description
Field Name
Description
First Name
[Mandatory, Input]
Enter the first name of the applicant.
Last Name
[Mandatory, Input]
Enter the last name of the applicant.
Email ID
[Mandatory, Input]
Enter the unique email id of the applicant.
Login Password
[Mandatory, Input]
Enter the Login Password for new user.
Confirm password
[Mandatory, Input]
Enter the Login Password for new user.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
16
Register for Online Banking
Field Name
Description
Secure Code
[Mandatory, Input]
Enter the security code displayed on screen.
4.
Enter the relevant details in the appropriate fields.
5.
Click Save.
The system displays the acknowledgement screen for the registration and sends a link to your
email address. You must enter your email address and password to login to the application.
6.
Click OK.
The system displays the home screen of the application.
To register to access online services if you are a registered customer
1.
Click Register Now button on login screen of the Android –based banking application.
The system displays a screen to check if you are existing customer of the bank.
2.
Click Yes and then click Continue.
The system displays the Channel Registration screen.
Channel Registration
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
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Register for Online Banking
3.
Select the required Relationship type and then click Continue.
The system displays the Channel Registration screen.
Channel Registration
Field Description
Field Name
Description
Relationship Type
[Mandatory, Dropdown]
Select the type of relationship with the bank.
The options are:
Customer ID

Savings Account Customer

Credit Card Customer

Deposits / Loans Customer
[Mandatory, Input box, 20]
Enter your Customer ID with the bank.
Account Number
[Mandatory, Input box, 20]
Enter your account number with the bank
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
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Register for Online Banking
Field Name
Description
First Name
[Mandatory, Input box, 20]
Enter your first name as displayed in the records with the bank.
Last Name
[Mandatory, Input box, 20]
Enter your last name as displayed in the records with the bank.
Date of Birth
[Mandatory, Date-picker]
Select your date of birth.
Email Id
[Mandatory, Input box, 100]
Enter your email address.
Debit Card Number
[Mandatory, Input box, 20]
Enter the number of your debit card.
This field is displayed only when you select Savings Account
Customer in the Relationship Type field.
Debit Card PIN
[Mandatory, Input box, 20]
Enter the PIN number of your debit card.
This field is displayed only when you select Savings Account
Customer in the Relationship Type field.
Credit Card
Number
[Mandatory, Input box, 20]
Enter the number of your credit card.
This field is displayed only when you select Credit Card Customer
in the Relationship Type field.
Name As On Card
[Mandatory, Input box, 20]
Enter your name as on the credit card.
This field is displayed only when you select Credit Card Customer
in the Relationship Type field.
Credit Card Expiry
Date
[Mandatory, Date-picker]
Select the expiry date as mentioned on your credit card.
This field is displayed only when you select Credit Card Customer
in the Relationship Type field.
CVV Number
[Mandatory, Input box, 3]
Enter the CVV number as mentioned on your credit card.
This field is displayed only when you select Credit Card Customer
in the Relationship Type field.
Enter Above
Captacha code
[Mandatory, Input box, 20]
Enter the data as displayed in the captcha .image.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
19
Register for Online Banking
Field Name
Description
Captcha image
[Display]
This field displays the captcha image.
4.
Click the Continue button.
An OTP (One Time Password) is sent to the email address that you have entered.
OR
Click Close to close the New Registration screen.
Field Description
Field Name
Description
Enter One Time
Password
[Mandatory, Input]
Enter the OTP that you have received on your email address.
5.
Click Submit.
The system validates the OTP and displays the New Registration screen for FCDB application.
OR
Click Resend OTP to receive the OTP again on your email address.
OR
Click Cancel to cancel the registration process.
6.
Select the checkbox next to the required channel.
User ID / Password Setting
Field Description
Field Name
Description
User ID
[Mandatory, Input]
Enter the User ID to be used for the selected channel.
Check Availability
[Hyperlink]
Click this link to check the availability of the User ID
View User ID
Policy
[Hyperlink]
Password
[Mandatory, Input]
Click this link to view the User ID policy in a new window.
Enter the Login Password to be used for the selected channel.
View Login
Password Policy
[Hyperlink]
Confirm Password
[Mandatory, Input]
Click this link to view the Login Password policy in a new window.
Re-enter the Login Password to be used for the selected channel.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
20
Register for Online Banking
Field Name
Description
Transaction
Password
[Mandatory, Input]
View Transaction
Password Policy
[Hyperlink]
Confirm
Transaction
Password
[Mandatory, Input]
View terms and
conditions
[Hyperlink]
Enter the Transaction Password to be used for the selected
channel.
Click this link to view the Transaction Password policy in a new
window.
Re-enter the Transaction Password to be used for the selected
channel.
Click this link to view the terms and conditions in a new window.
7.
Click the I Accept the Terms and Conditions checkbox.
8.
Click Submit.
The system displays a confirmation page.
OR
Click Cancel to cancel the registration process.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
21
Open
7.
New Account
Open New Account
You can apply for an account from the online banking channels. You have to select an account
type/product for which to apply, from a list of product groups.
The following product groups are available in the application:

Saving Accounts

Current Accounts & Overdraft

Credit Cards

Retail Loans

Insurance Products

Business Loans

Trade Loans
To open a new account
1.
Click Product Showcase panel on the login screen of the application.
2.
Click the required tab based on your customer type.
For example, click the Personal tab.
The system displays the Products screen for retail accounts.
OR
Log on to the Android based application.
Click More > Open New Account.
The system displays the Products screen.
3.
Click the required product category.
For example, click Current Accounts.
The system displays all products in the Current Accounts category.
4.
Click the required Current Accounts product.
For example, click Current Accounts Overdraft.
The system displays a brief description and features of the product.
5.
Click Apply Now.
The system displays a screen to check if you are existing customer of the bank.
6.
Click the Yes tab if you are an existing customer of the bank.
The system displays the screen to update your Customer ID and other details with the bank.
22
Open New Account
Existing customer of bank
Field Description
Field Name
Description
Relationship Type
[Mandatory, Dropdown]
Select the type of relationship with the bank.
The options are:
Credit Card
Number

Savings Account Customer

Credit Card Customer

Only Deposits / Loans Customer
[Mandatory, Input box, 20]
Enter your credit card number with the bank.
This field is displayed only when you select •
Customer in the Relationship Type field.
Customer
Id/Account Number
Credit Card
[Mandatory, Input box, 20]
Enter your Customer ID or account number with the bank.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
23
Open New Account
7.
Enter the relevant details in the appropriate fields.
8.
Click Next.
The system displays the screen to update your personal details and preferred date and time of
contact.
OR
Click the No tab if you are an unregistered user of the application and then click Next.
The system displays the screen to update your personal details and preferred date and time of
contact regarding the application for the account.
9.
Click Apply Now.
The system displays the screen to update your personal details and preferred date and time of
contact regarding the application for the account.
Personal Details
Field Description
Field Name
Description
First Name
[Mandatory, Input]
Enter the first name of the applicant.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
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Open New Account
Field Name
Description
Last Name
[Mandatory, Input]
Enter the last name of the applicant.
Date of Birth
[Mandatory, Date Picker]
Enter the date of birth of the applicant.
Note: This field is displayed only for prospect customers.
City
[Mandatory, Dropdown]
Select the city in which the applicant resides.
Mobile Number
[Mandatory, Input, 15]
Enter the mobile number of the applicant.
Email Address
[Mandatory, Input, 255]
Enter the email address of the applicant.
Preferred Date of
Contact
[Mandatory, Date Picker]
Preferred Time of
Contact
[Mandatory, Dropdown]
Select the day on which bank should contact the customer.
Select the preferred time to contact the customer
Note: When you login to the application, all fields except Preferred Date of Contact and Preferred Time
of Contact fields are updated if you have added relevant personal details in the application.
10.
Enter the relevant details in the appropriate fields and then click Next.
The system displays more sections of the application form for the Current Accounts Overdraft
account.
Current Account Overdraft - Online Application Form
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
25
Open New Account
Field Description
Field Name
Description
Type of
Ownership
[Dropdown]
Others
[Optional, Input Box, 50]
Select the desired Customer from the dropdown.
If the Type of Ownership selected is Others, then enter the
desired Ownership Type.
Type of Business
[Dropdown]
Select the desired type of business from the dropdown.
Others
[Optional, Input Box, 50]
If the Type of Ownership selected is Others, then enter the
desired Business Type.
Name of Business
[Mandatory, Input Box, 50]
Enter the appropriate Business Name.
User Manual Oracle FLEXCUBE Direct Banking Android Application Based Mobile Banking
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Open New Account
Field Name
Description
Overdraft Limit
Required?
[Dropdown]
Select the desired option from the following:
 Yes
 No
Currency Type
[Dropdown]
Select the desired Currency Type from the system-configured
options available in the dropdown.
Annual Turnover
[Mandatory, Input Box, 20]
Enter the appropriate Annual Turnover value.
11.
Enter the relevant details in the appropriate fields and then click Next.
The system displays the screen to upload documents for the account application
Current Account Overdraft – Upload Documents
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27
Open New Account
Field Description
Field Name
Description
Document Type
[Dropdown]
Select the desired Document Type from the dropdown.
Upload File
[Action Button]
Click Upload File to browse and upload the appropriate document.
The screen displays the list of uploaded documents.
12.
Click Upload File to browse and upload the required documents.
13.
Click Upload button and click Done button once uploading is completed and then click Next.
The system displays the screen for terms and conditions of the account application.
Current Account Overdraft – Terms and Conditions
14.
Select the checkbox to accept terms and conditions and then click Continue.
15.
Enter the security code displayed on screen and then click Continue.
The system displays the Current Account Overdraft - Online Application Form – Verify screen.
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Open New Account
Current Account Overdraft - Online Application Form – Verify
16.
Click Change to modify any details and then verify all the details and click Confirm. The system
displays the transaction reference number of the transaction.
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Open New Account
Current Account Overdraft - Online Application Form – Submission Message
17.
Click Save icon to save the details.
18.
Click Print icon to print the details.
19.
Click OK.
The system displays the initial Products screen.
Note: Similarly you can apply for accounts in different product categories such as Credit cards, Loans etc.
The fields displayed in the account application form depend on the account type.
7.2
View Application Status
You can view the status of application for all products that you have applied for in the application.
To view application status without logging to the application
1.
Click Product Showcase panel on the login screen of the application.
2.
Click the required tab based on your customer type.
For example, click the Personal tab.
The system displays the Products screen for retail accounts.
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Open New Account
3.
Click View Application Status button to view the status of all your applications for different
accounts in the application.
The system displays the View Status screen.
4.
Enter the Application Reference Number and your email address.
5.
Click Submit.
The system displays the status of all your applications for different accounts in the application.
To view application status from the application
1.
Log on to the Android based application.
Click More > Open New Account.
The system displays the Products screen.
2.
Click View Application Status button to view the status of all your applications for different
accounts in the application.
The system displays the View Status screen.
View Status
Field Description
Field Name
Description
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Open New Account
Field Name
Product Type
Description
[Display]
This field displays the product name (product name within a Product
e.g. Housing Loan, vehicle Loan etc.) being applied for.
User Reference
[Display, Hyperlink]
This field displays the reference number of the application.
Click this hyperlink to view details of the application.
Application
Submitted On
[Display]
Last Updated
[Display]
This field displays the date on which application for the account
has been submitted for processing.
This field displays the date of last saving.
Status
[Display]
This field displays the status of the originated transaction.
Remark
[Display]
This field displays the remarks about the application for the
account.
3.
Click the User Reference hyperlink to view details of the application for the account.
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Dashboard
8.
/ Landing Screen
Dashboard / Landing Screen
The dashboard represents the home screen of the application. The dashboard is divided
into different sections from which you can access accounts mapped to your Customer ID
and also perform transactions.
The dashboard is divided into three sections:
1. Top Panel
2. Menu
3. Transactions Panel
The transactions displayed in the Transactions Panel depend upon the system
configuration of the bank.
To view dashboard of the application
1.
Log on to the Android based application.
The system displays the dashboard of the application.
Landing Screen / Dashboard
33
Dashboard / Landing Screen
Field Description
Field Name
Description
Top Panel
Login Info
[Display, Button]
This field displays your username in the application and your last
login details
Click this button to view the date and time of last successful and
failed login and the current login with your user name in the
application.
You can click the Change Password button to change login and
or transaction password associated with your username.
Sign Out
[Button]
Click this button to log off from the application.
Menu
Dashboard
[Menu]
This menu displays the dashboard of the application.
Favorites
[Menu]
This menu displays all transactions that you have set as favorites
in a roll-over screen.
Calculators
[Menu]
This menu displays all calculators present in the application in a
roll-over screen.
Contact Us
[Menu]
This menu displays Contact Us screen.
More
[Menu]
This menu displays more menus of the application in a rollover
screen.
Transactions Panel
I Have
[Display, Button]
This field displays the total amount of funds that you have in your
account.
Click this link to view your product-wise assets in the application.
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Dashboard / Landing Screen
Field Name
Description
I Owe
[Display, Button]
This field displays the total amount of funds you need to pay for
various transactions.
Click this link to view your product-wise liabilities in the
application.
Alerts
[Icon]
Click this icon to view the Alerts screen.
Reminders
[Icon]
Click this icon to view the Reminders screen.
Mailbox
[Icon]
Click this icon to view the Mailbox screen.
Accounts
[Button]
Click this button to view the Accounts Overview screen.
Transfers
[Button]
Click this button to view the Quick Pay screen.
Pay Bills
[Button]
Click this button to view the Pay Bills screen.
Term Deposits
[Button]
Click this button to view the Open Term Deposit screen.
2.
Click the Dashboard menu from any screen of the application.
The system displays the dashboard of the application.
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Manage
9.
Profile
Manage Profile
You can view and modify your user profile maintained at FCDB, from within the FCDB
Android banking application.
To manage profile
1.
Click More > Customer Services > My Profile > Manage Profile.
The system displays the User Profile screen.
User Profile
Field Name
Salutation
Description
[Optional, Dropdown]
Select the salutation associated with your name in the application.
Others
[Conditional, Input box, 35
Enter any other specific salutation associated with your name in the
application.
First Name
[Optional, Input box, 35]
Enter your first name to be saved in the application.
36
Manage Profile
Field Name
Middle Name
Description
[Optional, Input box, 35
Enter your middle name to be saved in the application.
Last Name
[Optional, Input box, 35
Enter your last name to be saved in the application.
Date of Birth
[Optional, Date-picker]
Select your date of birth to be saved in the application.
Gender
[Optional, Dropdown]
Select your gender to be saved in the application.
Mother’s Maiden
Name
[Optional, Input box, 70]
Enter your mother’s maiden name to be saved in the application.
Please provide your
Contact details
Phone Number
[Optional, Input box, 20
Enter your phone number to be saved in the application.
Mobile Number
[Optional, Input box, 15
Enter your mobile number to be saved in the application.
Verified /
Unverified, Click
to verify
[Display, Hyperlink
This field displays whether your mobile number is verified.
Click the hyperlink to verify your mobile number.
Do you wish to
add your Social
Media profiles
[Display]
This field displays this text - Click on the below button to add
your social media profile.
Click the Connect button to access the social media webpage.
Profile Name/Add
profile, Change
this profile
[Conditional, Display]
Do you want to
receive alerts from
us
[Mandatory, tab]
Add your Facebook profile to the application or change existing
Facebook profile.
Select the option to get alerts and offers from the application.
The options are:
Yes
No
Your Interests
[Optional, Checkboxes]
Select the required checkbox to select the products and service
offered by the bank for which you want to receive offers and alerts.
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Manage Profile
Field Name
Preferred mode of
contact
Description
[Optional,Checkbox]
Select the mode of contact.
The values are:

Email

Mobile
Preferred Time for
receiving calls
[Conditional, Dropdown]
Specify Time
[Conditional, Dropdown]
Specify the preferred time for receiving the calls.
Specify the other preferred time for receiving the calls.
This field is displayed only when you select Specify Time in the
Preferred Time for receiving calls dropdown.
2.
Enter the relevant details in the appropriate fields.
3.
Click Cancel.
The system displays the dashboard of the application.
OR
Click Save button.
The system saves your user profile and displays a pop-up window showing an
acknowledgement screen.
4.
Click Ok.
The system displays the initial User Profile screen.
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Forgot Password
10. Forgot Password
You can reset the login and/or transaction password without signing in the application.
To change the password
1.
Click Forgot User ID/ Password link on Login screen.
The system displays the Forgot Password screen.
Forgot Password
2.
Select the required tab based on your customer type.
For example, click the Existing Customer tab.
3.
Enter your User ID if you are an existing customer.
OR
Enter your email address if you are a registered customer.
4.
Click Submit button.
The system displays the One Time Password Verification screen.
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Forgot Password
OTP Verification
5.
Enter the One Time Password you received on your registered mobile number.
6.
Click Submit button.
The system displays Forgot Password screen.
OR
Click Resend OTP button to receive the OTP again.
Field Description
Field Name
Channel
Description
[Display]
This field displays the channel that you have selected.
User Id
[Display]
This field displays your User ID in the application.
Password Type
[Mandatory, Dropdown]
Select the type of the password that you want to retrieve.
New Password
[Mandatory, Input box]
Enter the new password as per your choice.
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Forgot Password
Field Name
Description
Confirm New
Password
[Mandatory, Input box]
Password Policy
[Display]
Re-enter the new password as per your choice.
This field displays the password policy for the selected password
type.
7.
Select the password type for which you want to change the password.
8.
Enter and confirm the new password as per the password policy displayed.
9.
Click Submit.
The system displays confirmation screen.
10.
Click OK.
The system displays initial login screen.
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Change Password
11. Change Password
You can change the login and/ or transaction passwords associated with your username from
within the application. You have to compulsorily change passwords if a forced reset password
policy is configured by the bank for some scenarios.
To change the password
1.
Click
icon on the dashboard of the application.
The date and time of your current, last successful and failed logins are displayed.
2.
Click Change Password.
The system displays the Change Password screen.
3.
Select the password type tab for which you want to change the password.
Change Password
Field Description
Field Name
Description
User ID
[Display]
This field displays your user ID in the application
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Change Password
Field Name
Description
Password Type
[Mandatory, Tab]
Select the required Password Type tab to change the password.
Password type can be either Login Password or Transaction
Password.
Existing Password
[Mandatory, Input Box]
Enter the existing password associated with your user ID.
New Password
[Mandatory, Input Box]
Enter the new password to be associated with your user ID.
Confirm New
Password
[Mandatory, Input Box]
Password Policy
[Display]
Re-enter the new password associated with your user ID.
This field displays the password policy for the selected password
type.
4.
Select the password type for which you want to change the password.
5.
Enter and confirm the new password as per the password policy displayed.
6.
Click Submit.
The system updates your password and displays the Change Password Confirm screen.
OR
Click Cancel to view the dashboard of the application.
7.
Click OK.
The system displays the login screen of the application.
11.1 Force Change Password
Force Change Password is the functionality where you have to compulsorily change your
password in the application. This can be login password as well as transaction password,
depending upon the system configuration.
The Force Change Password activity is mandatory for these scenarios:

During first time login

Change in the password policy

Expiry of the password

Password has been reset by the administrator
Note: Please refer to the Change Password section for more information on changing your password in
the application.
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Set any Transaction as Favorite
12. Set any Transaction as Favorite
You can view and access your preferred transactions in the application. You can also add,
remove transactions from the list of favourite transactions.
View and access favourite transactions
1.
Click Favorites menu from the dashboard of the application.
The system displays the Favourites screen.
Favorites
2.
Click the required transaction from the Favourites list.
The system displays the initial screen of the selected transaction.
To set any transaction as favourite
1.
Click Favorites menu from the dashboard of the application.
The system displays the Favourites screen.
2.
Click Add.
The system displays the Add to Favorites screen.
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Set any Transaction as Favorite
Add to Favorites
3.
Click the checkboxes next to the name of the required transactions.
4.
Click Done.
The system displays the acknowledgement screen for the addition of favorite transactions.
5.
Click OK.
The system adds the selected transactions to the Favorites screen.
Edit list of favorite transactions
1.
Click Favorites menu from the dashboard of the application.
The system displays the Favourites screen.
2.
Click Edit.
The system displays Favorites screen in the editable mode.
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Set any Transaction as Favorite
Favorites
3.
Click the Delete icon
Favorites
next to the required transaction to remove the transaction from the
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Service Requests
13. Service Requests
13.1 New Service Request
You can generate service request for credit card hot listing in the application.
To create the New Service Request
1.
Click More > Customer Services > New Service Request.
The system displays the Credit Card Hot Listing screen.
Credit Card Hot Listing
Field Description
Field Name
Description
Credit Card
[Mandatory, Dropdown]
Select the credit card from the list.
Reason
[Mandatory, Dropdown]
Select the reason to apply for card.
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Service Requests
Field Name
Description
Specify Reason
[Conditional, Input box, 35]
Specify the reason for service request.
This field is mandatory, if you select Other as the option in the
Reason field.
New Credit Card
Required
[Mandatory, Toggle button]
Specify if a new card is required in place of the card being hotlisted.
The options available are:
Mode of Delivery

Yes

No
[Mandatory, Radio buttons]
Select the Branch or Courier as delivery options for the new card
to be delivered.
User Reference
[Optional, Input box, 25]
Specify the reference number for future reference, if required.
2.
Enter the details in the appropriate fields.
3.
Click Submit button.
The system displays Service Request Verify screen.
OR
Click Back button to view the previous screen.
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Service Requests
Service Request Verify
4.
Click Confirm button to confirm the request. The system displays confirm screen with
Acknowledgement.
5.
Click Download icon to download the details.
6.
Click Print icon to print the details.
7.
Click OK.
The system displays the initial New Service Request screen.
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Account Summary
14. Account Summary
Account summary on the dashboard of the application provides summarized details of all your
accounts mapped to your Customer ID. The types of accounts and details displayed in the
Account Summary are:

Current and Saving Accounts

Deposit Accounts

Islamic Accounts

Credit Accounts

Loan Accounts

Goal Details
Note: Please refer to the Goal Setting section in this User Manual for more information on Goal Details
displayed in Account Summary screen.
For a given account type, summarized account details include the currency of the account, total
amount of funds in all accounts, account number, total amount for each account
You can also view a hyperlink in the Account Summary section to view the account activity and
account details for the selected account.
To view the account summary
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
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Account Summary
Accounts Overview
Field Description
Field Name
Description
<Account Type>
[Display]
This field displays the account types available and mapped to your
Customer ID in the application.
Total Balance and
Currency
2.
[Display]
This field displays the total current balance of all the accounts
under each account type in your base currency.
Click the required account type.
For example, click Current & Savings.
The system displays the Account Summary screen for all your Current & Savings accounts in the
application.
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Account Summary
Account Summary – Current and Savings
Field Description
Field Name
Description
Account Nickname
[Display]
This field displays the nickname of the account, if you have set any.
Account Number
[Display]
This field displays the account number.
Available Balance
and Currency
3.
[Display]
This field displays the available balance in the account along with
account currency.
Click the required account number.
The system displays details and activity of the selected account.
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Account Activity
15. Account Activity
You can view the account activity for a selected account. You can also view the account activity
for a specified period.
To view the account activity
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the required account type.
For example, click Current & Savings.
The system displays the Account Summary screen for all your Current and Savings accounts in
the application.
3.
Click the required account.
The system displays the Account Details screen showing details and activity of the selected
account.
4.
Click the Activity tab.
The system displays the activity details of the selected account.
Account Activity
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Account Activity
Field Description
Field Name
Available Balance
Description
[Display]
This field displays clear available balance in the account.
Total Balance
[Display]
This field displays the total balance in the account.
Shadow Balance
[Display]
This field displays the shadow balance in the account.
Account Activity
Transaction Date
[Display]
This field displays the date of transaction in the account.
Transaction
Description
[Display]
Transaction amount
and currency
[Display]
Type – Cr / Dr
[Display]
This field displays the description of the transaction in the
account.
This field displays the transaction amount and account
currency.
This field displays the indicator indicating the type of
transaction carried out – either Debit (DR) or Credit (CR).
5.
Click any transaction in the Account Activity section.
The details of the selected transaction are displayed.
Transaction Details
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Account Activity
6.
Click Back button on your device to view the previous screen.
Note: The fields displayed in the Transaction Details screen depend on the type of transaction in the
account.
7.
Click the Email
icon to send an email about the account.
The system displays the Compose Message screen with your Customer ID and Account Number.
You can compose the message subject and message body of the email.
To filter account activity
You can view the account activity details for a specified time period.
1.
Navigate to the account activity of the required account.
2.
Click the Filter
icon.
The system displays the following options of the search criteria:

Last 2 days

Last 5 days

Custom
3.
Select Last 2 Days to view account activity of the selected account for the last two days.
4.
Select Last 5 Days to view account activity of the selected account for the last five days.
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Account Activity
Filter Account Activity for Specific Period
5.
Select Custom, specify the start date in the From field and end date in the To field, click Submit,
and view account activity of the selected account for the specified period.
OR
Click Cancel to close the Custom pop-up screen.
Download Account Activity
You can download account activity for specified search criteria for selected CASA Account in
PDF and Excel formats.
1.
Navigate to the account activity of the required account.
2.
Click the Download
icon.
The system displays the document formats available for download.
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Account Activity
Account Activity Download
3.
Click the icon for the required document format.
4.
Open the downloaded account activity document in a new window or save the downloaded
account activity document.
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Account Details
16. Account Details
You can view the account details of the selected account.
To view the account details
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the required account type.
For example, click Current & Savings.
The system displays the Account Summary screen for all your Current & Savings accounts in the
application.
3.
Click the required account.
The system displays the Account Details screen showing details and activity of the selected
account.
By default, the system displays the Details tab.
Account Details
Field Description
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Account Details
Field Name
Available Balance
Description
[Display]
This field displays the clear available balance in the account.
Total Balance
[Display]
This field displays the total balance in the account.
Shadow Balance
[Display]
This field displays the shadow balance in the account.
Account Nickname/ [Display]
Account Number
This field displays the account nickname or account number.
Customer ID
[Display]
This field displays the Customer ID associated with the account.
Customer Name
[Display]
This field displays the Customer Name associated with the account.
Account Branch
[Display]
This field displays the branch where the account is held.
Account type
[Display]
This field displays the account type (Currency / Savings) of the
account.
Account opening
date
[Display]
Product Name
[Display]
This field displays the date when account has been opened.
This field displays the name of the banking product to which account
belongs.
Account Currency
[Display]
This field displays the base currency of the account.
Balances
[Display]
This field displays the balances of the account.
Uncleared funds
[Display]
This field displays the uncleared funds in the account.
4.
Click the Back button on your device to view the previous screen.
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Adhoc
Statement
17. Adhoc Statement
You can request for an account statement for a specified period.
You can view an ad hoc statement for these account types in the application

Current & Savings Accounts

Term Deposit Accounts

Loan Accounts

Islamic accounts
To request ad hoc statement for a current and savings account
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the required account type.
For example, click Current & Savings.
The system displays the Account Summary screen for all your Current & Savings accounts in the
application.
3.
Click the required account.
The system displays the Account Details screen showing details and activity of the selected
account.
By default, the system displays the Details tab.
4.
Click the PDF
icon.
The system displays the Statement Period screen.
60
Adhoc Statement
Statement Period
Field Description
Field Name
Description
From Date
[Mandatory, Alphanumeric, 10]
Type the From date as start date for the Adhoc statement.
To Date
[Mandatory, Alphanumeric, 10]
Type the To date as end date for the Adhoc statement.
5.
Click the Submit button.
The system displays Adhoc Statement Verify screen.
OR
Click the Cancel button to view the previous screen.
Adhoc Account Statement Request Verify
The system displays the Account Type and the Account Number for the Adhoc Account
Statement Request in the Verify screen.
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Adhoc Statement
6.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number of the ad hoc statement request.
7.
Click the Ok button.
The system displays the initial Account Details screen.
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Notifications
18. Notifications
You can view reminders, alerts, bulletins, and e-mail messages in the application.
18.1 Reminders
You can view reminders in the application. These reminders are for the current day and upcoming
weeks and months. You can navigate between dates, weeks, or months and view reminders for
the required date. You can view the details of a selected reminder and modify, delete or dismiss
the reminder as required. You can also add reminders in the application.
You can view the number of reminders for the current day and view details of these reminders
from the dashboard of the application.
To view reminders
1.
Click the Reminders icon on the dashboard of the application.
The system displays the Reminders screen.
By default, the system displays the Today tab, showing the reminders for the current day.
2.
Click the Weekly tab to view reminders in the current week.
3.
Select the date in the Weekly tab to view reminders scheduled for the selected date.
OR
Click the Monthly tab to view reminders in the current month.
4.
Select the date in the Monthly tab to view reminders scheduled for the selected date.
5.
Click the required reminder.
The system displays the details of the selected reminder.
6.
Click Modify in the Reminder Details screen for the required reminder to modify the reminder.
7.
Click Delete in the Reminder Details screen for the required reminder to delete the reminder after
verification.
8.
Click Dismiss in the Reminder Details screen for the required reminder to dismiss the reminder
from the list of reminders for the current day.
To add reminders
1.
Click the Reminders icon on the dashboard of the application.
The system displays the Reminders screen.
2.
Click Add Reminder
button in the Reminders screen to add a reminder.
The system displays Add Reminder screen.
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Notifications
Add Reminders
Field Description
Field Name
Description
Subject
[Mandatory, Input box, 50]
Enter the subject for reminder.
Description
[Optional, Input box, 100]
Enter the details of reminder.
Frequency
[Mandatory, Radio Button]
Select the frequency with which the reminder should be generated.
The options are:

Daily

Weekly

Monthly.
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Notifications
Field Name
Description
Start Date
[Mandatory, Date picker]
Select the date from which from which onwards the reminder is to
be due.
End Date
[Mandatory, Date picker]
Select the date on which the last reminder should be generated.
3.
Enter the relevant details in the appropriate fields.
4.
Click Submit.
The system displays the Acknowledgement screen for adding the reminder
OR
Click Reset to clear the entered details for the reminder.
Acknowledgement
5.
Click OK.
The system displays the initial Reminders screen.
6.
Click Add Another.
The system displays the Add Reminder screen to add another reminder.
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Notifications
18.2 Inbox
You can communicate with the bank administrators through e-mail in the application. You can
send and receive e-mail messages in the application. You can also view the bulletins sent to you
by the bank in the application.
You can view the number of received e-mails and access all your received and sent e-mails from
the dashboard of the application.
To view e-mail messages
1.
Click the Mailbox icon on the dashboard of the application.
The system displays the Mailbox screen.
2.
Click the Messages tab.
The system displays all your messages received from the bank.
Messages
Field Description
Field Name
Description
Attachment
[Icon]
This icon is displayed only if the message has an attachment.
Message Sender
[Display]
This field displays the name of the sender of the message.
Message Subject
[Display]
This field displays the subject of the message.
Date and Time
[Display]
This field displays the date and time when the message has been
received.
3.
Click the Sent Mail icon in the screen.
The system displays all the messages that you have sent from the application.
4.
Click the link on the required message.
The system displays the message details in a new screen.
5.
Click the Reply button on the screen.
The system displays a new screen in which you can type a reply message to be sent to the bank.
6.
Click the Compose Mail icon in the screen.
The system displays a new screen in which you can write a message.
Note: You can also click Bulletins tab on the Mailbox screen to view received bulletins.
To send e-mail messages
1.
Click the Mailbox icon on the dashboard of the application.
The system displays the Mailbox screen.
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Notifications
2.
Click the Messages tab.
The system displays all your messages received from the bank.
3.
Click the Compose button in the screen.
The system displays the Compose Message screen.
MailBox - Compose
Field Description
Field Name
Description
Customer
[Mandatory, Dropdown]
Select the required customer mapped to your User ID.
To
[Mandatory, Input box, 25,Read-only]
Select the e-mail address to which the message needs to be
delivered.
Subject
[Mandatory, Dropdown]
Select the subject of the message.
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Notifications
Field Name
Description
Custom Subject
[Optional, Input box, 60]
Enter the custom subject of the message.
This field is displayed only when you select the Others option in
the Subject dropdown.
Message Text Box
[Mandatory, Input box, 200 characters]
Enter the text (body) of the message.
4.
Enter the relevant details in the appropriate fields.
5.
Click the Add Attachment button, if required.
The system displays the Add Attachment pop-up screen.
6.
Click the Browse control to browse a file and then click Upload to add the attachment from the
browse window.
Note: Maximum number of images than can be attached is 5. Size of any image should not be greater
than 1 MB & Overall size of all the attachments should not exceed 2 MB. Images with image type as
.PNG can only be attached.
You can click Remove Attachment button to remove an added attachment for the composed message.
You can also click the More button to add more attachments.
7.
Click Done to add to add all the uploaded attachment(s) from the Add Attachments pop-up
screen.
8.
Click Send button.
The system displays the Acknowledgement screen.
OR
Click Cancel button.
The system displays the Mailbox screen.
9.
Click OK.
The system displays the Mailbox screen.
18.3 Alerts and Tasks
You can view alerts and tasks sent to you in the application. The alerts include default alerts
(alerts sent by the bank and the FCDB application), and your subscribed alerts.
You can view the number of unread alerts on the dashboard of the application. You can access
the list of all your alerts from the dashboard. You can view the complete message of the alerts in
the application.
Note: Please refer to the Alert Subscription section in this User Manual for more information on
subscription of alerts in the application. You can click the Bulletins tab in the Mailbox screen to view
bulletins sent to you in the application.
To view alerts
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Notifications
1.
Click the Alerts icon on the dashboard of the application.
The system displays the Alerts screen.
By default, the system displays the Alerts tab.
2.
Click the required alert.
The system displays the details of the selected alert.
3.
Click Dashboard to view the dashboard of the application.
To view tasks
4.
Click the Alerts icon on the dashboard of the application.
The system displays the Alert screen.
By default, the system displays the Alerts tab.
5.
Click the Tasks tab.
The system displays the Tasks tab showing tasks assigned to you in the application.
6.
Click the required task.
The system displays the details of the selected task.
7.
Click Dashboard to view the dashboard of the application.
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Alert
Subscription
19. Alert Subscription
You can subscribe to different types of alerts in the application. You can receive alerts in these
three modes in the application:

E-mail

SMS

Push notifications
The different types of alerts in the application are:

User Level: These alerts are sent to your email address or mobile number as maintained in your
user profile in the application.

Accounts Level: These alerts are sent to your email address as maintained in your user profile in
the application.

Customer Level: These alerts are sent to your email address and/or mobile number as maintained
in your user profile in the application. You can either subscribe to these alerts or the bank
administrator subscribes to these alerts for you.
If you subscribe for a forex rate alert, you can add different parameters to receive alerts for
different pairs of currencies as and when your specified criteria for these currencies are
completed. For example, you can set a forex alert for a currency pair such that you receive an
alert if the price of one currency reaches a specified target price.
19.1
Manage Alerts
You can subscribe to different alerts in the application. You can also modify the details of the
subscribed alerts or unsubscribe from these alerts.
To subscribe for alerts
1.
Click the Alerts icon on the Dashboard screen.
The system displays the Alerts screen.
2.
Click Manage Alerts.
The system displays the Manage Alerts screen.
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Alert Subscription
Field Description
Field Name
Description
Alert Type
[Mandatory, Selection list]
Select the alert you want to subscribe for.
3.
Select the required alert type.
For example, select Account Alerts.
The system displays different fields according to your selected alert type.
Account Alerts
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Alert Subscription
Field Description
Field Name
Description
Select Customer
ID
[Mandatory, Dropdown]
Select the customer ID for which to subscribe an alert.
This field is enabled and is mandatory only if you select to
subscribe for Customer Alerts.
Select Account
No.
[Mandatory, Dropdown]
Select the account number for which to subscribe an alert.
This field is enabled and is mandatory only if you select to
subscribe for Account Alerts.
Select Alert
[Mandatory, Selection list]
Select the specific alert you want to subscribe for.
Mode of Delivery
[Mandatory, Buttons]
Select the mode of delivery for the alert.
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Alert Subscription
Field Name
Description
Threshold (%)
Above
[Mandatory, Input box, 3]
Enter the threshold limit amount.
The alert is generated when transactions exceed the specified
threshold limit amount.
This field is displayed only for limit threshold alert.
Debit Above
[Mandatory, Input box, 15]
Enter the maximum debit amount.
The alert is generated when an amount equal to or above the
specified amount is debited from the account.
This field is displayed only for debit alert.
Credit Above
[Mandatory, Input box, 15]
Enter the maximum credit amount.
The alert is generated when the transactions exceed the specified
amount.
This field is displayed only for debit alert.
Add Parameter
[Mandatory, Selector]
Specify your preferences for forex rate alerts.
This button is displayed only for forex rate alert.
Currency Pair
[Mandatory, Selector]
Select the currency pair for the forex rate alert.
This field is displayed only for forex rate alert.
Add New
Parameter
[Optional, Selector]
Click this button to add more parameters for the forex rate alert.
This field is displayed only for forex rate alert.
4.
Enter the relevant details in the appropriate fields.
5.
Click Subscribe.
The system displays the Verify screen for the selected alert.
Accounts Alert Subscription – Verify
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Alert Subscription
6.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the name of the alert and transaction reference number for your alert
subscription.
7.
Click OK.
The system displays the Manage Alerts screen.
To update details of the subscribed alerts
1.
Navigate to the Manage Alerts screen.
The system displays the Manage Alerts screen.
2.
Select the required alert type.
3.
Select the required subscribed alert.
The system displays the details of the selected subscribed alert.
4.
Select the required account number in the Account Number field.
5.
Modify the relevant details in the appropriate fields.
6.
Click Update.
The system displays the Verify screen for the selected alert.
7.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the name of the updated alert transaction reference number for your alert
subscription.
8.
Click OK.
The system displays the initial alert subscription screen.
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Alert Subscription
To unsubscribe subscribed alerts
1.
Navigate to the Manage Alerts screen.
The system displays the Manage Alerts screen.
2.
Select the required alert type.
3.
Select the required subscribed alert.
The system displays the details of the selected subscribed alert.
4.
Select the required account number in the Account Number field.
5.
Click Unsubscribe.
The system displays the Verify screen for the unsubscription of the selected alert.
6.
Click Change to modify any details and then verify all the details and click Confirm. The system
displays the transaction reference number for the transaction.
7.
Click OK.
The system displays the screen for your current subscribed alerts.
19.2 Adding and Deleting Parameters for Forex Rate Alerts
You can add different parameters when you subscribe for forex rate alerts. You can receive forex
rate alerts for different pairs of currencies according to the forex rate parameter. You can also
modify or delete parameters for forex rate alerts.
To add parameters for forex rate alerts
1.
Navigate to the Manage Alerts screen.
The system displays the Manage Alerts screen.
2.
Select the User Alerts as the alert type.
3.
Select the Forex Rate Alert.
The system displays the details of the forex rate alert.
4.
Click Set –view Parameters.
The system displays the existing parameters of the forex rate alert.
5.
Click Add Parameters.
The system displays the Forex Parameters screen.
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Alert Subscription
Forex Parameters
Field Description
Field Name
Purpose
Description
[Mandatory, Dropdown]
Select the type of rate for which alert is required. The options include:
Buy Currency

Buy Foreign currency notes

Buy Travellers cheque

Make Fund Transfer
[Mandatory, Dropdown]
Select the currency that you want to buy.
Sell Currency
[Mandatory, Dropdown]
Select the currency that you want to sell.
Target Price
[Mandatory, Input Box, 15]
Select the target price which when attained should trigger the alert.
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Alert Subscription
Field Name
Active From
Description
[Mandatory, Date Picker]
Select the start date after which the alert should be generated if the
specified currency pair reaches the defined target price.
Active To
[Mandatory, Date Picker]
Select the end date after which the alert should be generated if the
specified currency pair reaches the defined target price.
6.
Click Update.
The system saves the forex rate alert parameter and displays the Forex Parameters Confirm
screen.
7.
Click Ok on the Forex Parameters Confirm screen.
The system displays the Forex Rate Alert screen.
8.
Click Add Another on the Forex Parameters Confirm screen to add a new forex alert parameter.
9.
Click Subscribe.
The system displays the Verify screen for the forex rate alert.
Forex Rate Alert Subscription – Verify
10.
Click View Forex Alert Parameters to view the Forex Parameters screen.
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Alert Subscription
11.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number for your alert subscription.
12.
Click OK.
The system displays the Manage Alerts screen.
To modify or delete parameters for forex rate alerts
1.
Navigate to the Manage Alerts screen.
The system displays the Manage Alerts screen.
2.
Select the User Alerts as the alert type.
3.
Select the Forex Rate Alert.
The system displays the details of the subscribed forex rate alert.
4.
Click Set –view Parameters.
The system displays the existing parameters of the forex rate alert.
5.
Modify the required details, click Update and then click OK on the Forex Rate Alert Parameters
screen.
The system displays the Forex Rate Alert screen.
OR
Click Delete and then click OK on the Delete Parameter screen.
The system displays the Forex Rate Alert screen.
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Forex Rate Inquiry
20. Forex Rate Inquiry
You can view latest exchange rate for all available currencies in the application.
The forex rate between two currencies specifies how much one currency is worth in terms of the
other currency. The forex rate is also called the exchange rate or FX rate.
Exchange rates are displayed against the base currency of FCDB application.
To view forex rates
1.
Click More > Customer Services > Forex Rates > Forex Rates.
The system displays the screen for Forex Exchange Rate Inquiry.
Foreign Exchange Rate Inquiry
Field Description
Field Name
Description
From Currency
[Display]
This field displays the name of base currency for which the foreign
exchange rates are displayed.
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Forex Rate Inquiry
Field Name
Description
To Currency
[Mandatory, Dropdown]
Select the currency for which rate is to be inquired with respect to
the base currency.
2.
Select To currency and then click Submit.
The system displays details of the exchange rates in the Forex Rates screen.
OR
Click Reset to clear all the details that you have entered on the screen.
Foreign Exchange Rate Inquiry Result
Field Description
Field Name
Description
From Currency
[Display]
This field displays the name of base currency for which the foreign
exchange rates are displayed.
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Forex Rate Inquiry
Field Name
Description
To Currency
[Display]
This field displays the name of currency that bank offers for buying
or selling against foreign currency
Cash Buy
[Display]
This column displays the exchange rate at which the bank will buy
the foreign currency if the transaction is in cash.
Cash Sell
[Display]
This column displays the exchange rate at which the bank will sell
the foreign currency if the transaction is in cash.
TT Buy
[Display]
This column displays the exchange rate at which the bank will buy
the foreign currency if the transaction is through a telegraphic
transfer.
TT Sell
[Display]
This column displays the exchange rate at which the bank will sell
the foreign currency if the transaction is through a telegraphic
transfer.
3.
Click the Back button on your device to view the previous screen.
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Cheques
21. Cheques
21.1 Request Cheque Book
You can request for a new cheque book for an account mapped to your user ID in the application.
You have to specify mode of delivery (either Branch or Code) when you apply for a new cheque
book.
To request a new cheque book
1.
Click More > Customer Services > Cheques > Request Cheque Book.
The system displays New Cheque Book screen.
New Cheque Book
Field Description
Field Name
Description
Select Account
[Mandatory, Dropdown]
Select the account for which new cheque book is to be issued.
Cheque Book Type
[Mandatory, Dropdown]
Select the type of cheque book required.
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Cheques
Field Name
Description
Cheque Book
Option
[Mandatory, Dropdown]
Delivery Mode
Select the cheque book option. The options are:

10 Leaves

50 Leaves

25 leaves
[Mandatory , Radio button]
Select the mode of delivery for the cheque book.
The options are:
Bank City

Branch

Courier
[Mandatory, Dropdown]
Select the name of the city of the bank.
Note: This field is mandatory if you select Branch as the Delivery
Mode.
Bank Branch
[Mandatory, Dropdown]
Select the name of the branch of the bank.
Note: This field is mandatory if you select Branch as the Delivery
Mode.
Name
[Conditional, Input box, 30]
Enter the name that you want for the courier address.
Note: This field is mandatory if you select Courier as the Mode of
Delivery.
Address Line 1
[Mandatory, Input box, 34]
Enter the address that you want for the courier address.
Note: This field is mandatory if you select Courier as the Mode of
Delivery.
Address Line 2
[Optional, Input box, 34]
Enter the address that you want as the courier address.
Address Line 3
[Optional, Input box, 34]
Enter the address that you want as the courier address.
City
[Mandatory, Input box, 34]
Enter the name of the city that you want as the courier address.
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Cheques
Field Name
Description
State
[Mandatory, Input box, 35]
Enter the name of the state that you want for the courier address.
Country
[Mandatory, Input box, 35]
Enter the name of the country that you want for the courier
address.
Postal Code
[Mandatory, Input box, 10]
Enter the zip / postal code that you want for the courier address.
Phone
[Optional, Input box, 35]
Enter the phone number that you want for the courier address.
Note: The fields related to name and address are displayed only if
you select Courier as the Mode of Delivery.
2.
Enter the appropriate details in the respective fields.
3.
Click the Submit button.
The system displays New Cheque Book – Verify screen.
New Cheque Book – Verify
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Cheques
4.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number for the transaction.
5.
Click Download button to download the details.
6.
Click Print button to print the details.
7.
Click the OK button.
The system displays the initial New Cheque Book screen.
21.2 My Cheques / Cheque Status Inquiry
You can view the status of cheques issued for your account in the application. You can search
for the cheques according to the cheque numbers or date on which cheques are issued.
The search results display the cheque status, date, amount and currency of the cheque.
To view cheque status
1.
Click More > Customer Services > Cheques > My Cheques,
The system displays the My Cheques screen
My Cheques
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Cheques
Field Description
Field Name
Description
Select Account
[Mandatory, Pop over]
Select the account for which the cheque status is to be inquired.
Cheque Number
[Mandatory, Radio button]
Select this radio button to view cheque status by entering the
cheque number.
Cheque Range
[Mandatory, Radio button]
Select this radio button to view cheque status by entering the
cheque series.
Cheque Number
[Optional, Input box, 6
Enter the cheque number to view the cheque status.
This field is displayed only when you select Cheque Number
radio button.
From Cheque
Number
[Optional, Input box, 6]
To Cheque Number
[Optional, Input box, 6]
Enter the start range of cheque numbers to view the cheque
status.
Enter the end range of cheque numbers to view the cheque
status.
These fields are displayed only when you select Cheque Range
radio button.
2.
Click the Submit button.
The system displays My Cheques screen with the cheque status details.
OR
Click the Cancel button to view the dashboard of the application.
My Cheques – Cheque Status
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Cheques
Field Description
Field Name
Description
Cheque Range
[Display]
This field displays cheque range, if any, that you have specified
for the cheque status.
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Cheques
Field Name
Description
Status Filter
[Optional, Dropdown]
Select the status of the cheques for which you want to view the
details of the cheques.
The options are:

Used

Not Used

Stopped

Rejected

Cancelled

All
By default, the system displays details of all cheques mapped to
the selected account.
Cheque Number
[Display]
This field displays the cheque number
Cheque Status
[Display]
This field displays the status of the cheque.
Transaction Date
[Display]
This field displays the transaction date of the cheque.
Amount and
currency
3.
[Display]
This field displays the amount and currency as per the cheque.
Click the Back button on your device to view the previous screen.
21.3 Stop Cheque
You can block or stop the payment of cheques that have been issued from your account. You can
also cancel the stop payment request for cancelled or blocked cheques.
You can specify the cheque number or cheque range, account to block or unblock cheques. You
must also specify the reason for blocking cheques.
To block or unblock cheques
1.
Click More > Customer Services > Cheques > Stop Cheque.
The system displays the Block Cheques screen.
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Cheques
Block Cheques
Field Description
Field Name
Description
Select Account
[Mandatory, Dropdown]
Select the account from which the cheque/s are been issued.
Select Action
[Mandatory, Dropdown]
Select the action to be performed i.e. block or unblock.
Cheque Number
[Mandatory, Radio button]
Select this radio button to view cheque status by entering the
cheque number.
Cheque Range
[Mandatory, Radio button]
Select this radio button to view cheque status by entering the
cheque range.
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Cheques
Field Name
Description
Cheque Number
[Optional, Alphanumeric , 6]
Enter the valid cheque number which has to be stopped or
unblocked.
This field is displayed only if you select Cheque Number radio
button.
From Cheque
Number
[Optional, Alphanumeric , 6]
To Cheque Number
[Optional, Alphanumeric , 6]
Enter the start range of cheque numbers to view the cheque
status.
Enter the end range of cheque numbers to view the cheque
status.
These fields are displayed only when you select Cheque Range
radio button.
Reason
[Mandatory, Alphanumeric, 40]
Enter the reason to stop cheque for reference.
This field is not applicable for unblocking cheques.
2.
Enter the appropriate details in the respective fields.
3.
Click the Submit button. The system displays Stop Cheque Verify screen.
OR
Click Reset to clear all the details that you have entered on the screen.
4.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number for the transaction.
5.
Click Download icon to download the details.
6.
Click Print icon to print the details.
7.
Click Ok.
The system displays the initial Block Cheques screen.
.
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Loans
22. Loans
22.1 Loan Details
You can view the details of your loan accounts in the application. You can specify whether to view
details of either active or closed (repaid) loans. You can view details such as the current balance,
recent transactions, balance amount, outstanding amount, and maturity date for the selected loan
in your loan accounts.
To view the loan details
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the Loans account type.
The system displays the Account Summary screen for all your Loan accounts in the application.
Account Summary - Loans
Field Description
Field Name
Description
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Loans
Field Name
Description
Account Nick
name
[Display]
Account Number
This field displays account nickname, if you have set any,
[Display]
This field displays loan account number.
Loan Outstanding
Balance and
Currency
[Display]
This field displays principal balance of the loan account and the
loan account currency.
3.
Click a loan account on the Active Loans tab or on the Closed Loans tab.
The system displays the Account Details screen showing details and activity of the selected loan
account.
By default, the system displays the Activity tab.
4.
Click the Details tab.
The system displays the activity details of the selected account.
Loan Account Details
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Loans
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Loans
Field Description
Field Name
Description
Principal Balance
and Currency
[Display]
Loan Outstanding
Balance and
Currency
[Display]
This field displays principal balance of the loan account and the
loan account currency.
This field displays principal balance of the loan account and the
loan account currency.
Account Details
Account
[Display]
This field displays the Loan Account Number.
Customer Id
[Display]
This field displays the Customer ID of the loan account.
Product Name
[Display]
This field displays the name of the loan product.
Loan Details
Sanctioned Loan
Amount
[Display]
Opening Date
[Display]
This field displays total loan amount that has been granted to you
by the bank.
This field displays the date on which the loan account was opened.
Interest Rate
[Display]
This field displays the rate of interest of the loan.
Maturity Date
[Display]
This field displays the maturity date of the loan.
Loan Issuing
Branch
[Display]
Disbursed Loan
Amount
[Display]
This field displays the name of the bank branch which issued the
loan.
This field displays the loan amount given to you till date.
Outstanding Loan Details
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Loans
Field Name
Principal Balance
Description
[Display]
This field displays principal outstanding amount on the loan at
present.
Next Installment
Date
[Display]
Next Installment
Amount
[Display]
Installment
Arrears
[Display]
Loan Outstanding
[Display]
This field displays date on which the next installment amount is
scheduled
This field displays amount that you have to pay as the next loan
installment.
This field displays the total amount of installments that you have to
pay to the bank.
This field displays the amount outstanding on the loan.
Remaining
Installments
This field displays number of installments remaining for payment of
the loan account
5.
Click View Disbursal Details.
The system displays the disbursal details for the selected loan.
6.
Click the Back button on your device to view the previous screen.
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Loans
Disbursal Details
Field Description
Field Name
Description
Disbursal Amount
[Display]
This field displays the amount of loan disbursed.
Disbursal Date
[Display]
This field displays the date of disbursal of loan.
Disbursal Branch
[Display]
This field displays the bank branch from which disbursal took
place.
7.
Click View Repayment Details.
The system displays the repayment details of the selected loan.
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Loans
Repayment Details
Field Description
Field Name
Description
Amount Paid Till
Date
[Display]
Final Settlement
Amount
[Display]
No. of installments
[Display]
This field displays the total amount repaid by the customer on the
loan, till date with currency.
This field displays total amount to be repaid towards the loan on
closure. This amount includes all the installments as well as
charges, if any, with currency.
This field displays number of installments in which financed
amount needs to be paid.
Installments Paid
This field displays the number of installments paid for the loan
account.
Repayment Mode
This field displays the mode of loan repayment (ECS, Cheque, or
Credit card)
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Loans
8.
Click the Back button on your device to view the previous screen.
22.2 Loan Account Activity
You can view details of recent transactions completed for the selected loan account.
To view the loan activity
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the Loans account type.
The system displays the Account Summary screen for all your Loan accounts in the application.
3.
Click a loan account on the Active Loans tab or on the Closed Loans tab.
The system displays the Account Details screen showing details and activity of the selected loan
account.
By default, the system displays the Activity tab.
Loan Account Activity
Field Description
Field Name
Description
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Field Name
Description
Principal Balance
and Currency
[Display]
Loan Outstanding
Balance and
Currency
[Display]
This field displays principal balance of the loan account and the
loan account currency.
This field displays principal balance of the loan account and the
loan account currency.
Account Activity
Transaction date
[Display]
This field displays the date of transaction for the loan account.
4.
Transaction
description
[Display]
Transaction
amount and
currency
[Display]
This field displays the description of transaction for the loan
account.
This field displays the amount and currency of the transaction for
the loan account.
Click the Email
icon to send an email about the account.
The system displays the Compose Message screen with your Customer ID and Account Number.
You can compose the message subject and message body of the email.
To filter loan account activity
You can view the loan account activity details for a specified time period.
1.
Navigate to the account activity of the required loan account.
2.
Click the Filter
icon.
The system displays the Filter pop-up screen:
Filter Loan Account Activity for Specific Period
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Loans
3.
Specify the start date in the From field and end date in the To field, click Next, and view account
activity of the selected account for the specified period.
OR
Click Cancel to close the Filter pop-up screen.
Download Account Activity
You can download account activity for specified search criteria for selected loan account in PDF
and Excel formats.
1.
Navigate to the account activity of the required account.
2.
Click the Download
icon.
The system displays the document formats available for download.
Loan Account Activity Download
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Loans
3.
Click the icon for the required document format.
4.
Open the downloaded account activity document in a new window or save the downloaded
account activity document.
22.3 Loan Top Up Request
You can create a request to add funds to your loans in the application.
To make a loan top-up request
1.
Click More > Customer Services > Loan Top Up > Loan Top-Up Request.
The system displays the Loan Account Top Up screen.
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Loans
Loan Account Top-Up
Field Description
Field Name
Description
Account Nick name
[Display]
This field displays the nickname of the loan account for
which you want a top-up amount.
Account Number
[Display, Hyperlink]
This field displays the loan account number for which you
want a top-up amount.
Click this hyperlink to select the loan account for which you
want a top-up amount.
2.
Principal Balance and
[Display]
Currency
This field displays the principal balance in the account along
with account currency
Select the loan account you want to top up.
The system displays the Loan Top-up screen.
Loan Top Up 1
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Loans
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Loans
Loan Top Up 2
Field Description
Field Name
Description
Account Number
[Mandatory, Dropdown]
This field displays the selected loan account number.
Preferred Date of
Contact
[Mandatory, Date Picker]
Preferred Time of
Contact
[Mandatory, Dropdown]
Amount
[Mandatory, Input box, 15]
Select the day on which bank should contact the customer.
Select the preferred time to contact the customer
Enter the specific purpose for the top up amount.
Purpose
[Mandatory, Input box, 100]
Enter the top up amount that you require for the loan account.
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Loans
Field Name
Description
Expected Date of
Disbursement
[Mandatory, Date Picker]
Select the date on which you require the top up amount for the
selected loan account.
3.
Enter the relevant details in the appropriate fields and click the Next button to view the next
screen of the process.
4.
Click the Continue button.
The system displays Upload Documents screen.
Loan Top-Up – Upload Documents
5.
Select the required document type and then click Upload File button
6.
Click Next button.
The system displays the terms and conditions of the loan top up request.
7.
Click the I Accept Term and Conditions checkbox.
The system displays the Loan Top Up – Verify screen.
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Loans
Loan Top-up Verify
8.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number for the transaction.
9.
Click Save icon to save the details.
10.
Click Print icon to print the details.
11.
Click OK.
The system displays the initial Loan Top Up screen.
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Financing Details
23. Financing Details
You can view the details of your Islamic Finance accounts in the application. You can specify
whether to view details of either active or closed financing accounts. You can view details such as
the current balance, recent transactions, balance amount, outstanding amount, and financing
tenure for the selected financing account.
To view the financing details
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the Islamic Finance account type.
The system displays the Account Summary screen for all your Islamic Finance accounts in the
application.
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107
Financing Details
Field Description
Field Name
Description
Account Nick name
[Display]
This field displays the name of the account, or the nickname of the
account, if you have set any.
Account Number
[Display]
This field displays the account number.
Principal Balance
and Currency
3.
[Display]
This field displays the principal balance in the account along with
account currency.
Click the required account.
The system displays details and activity of the selected account.
By default, the system displays the Activity tab.
Islamic Financing Account Activity
Field Description
Field Name
Description
Principal Balance
[Display]
This field displays the currency of the recent transaction.
Outstanding
Finance Amount
[Display]
This field displays the principal outstanding amount on the
financing at present.
Account Activity
Transaction Date
[Display]
This field displays the date of the transaction.
Transaction
Description
[Display]
Transaction
Amount and
Currency
[Display]
This field displays the description of the transaction.
This field displays the transaction amount and finance account
currency.
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Financing Details
4.
Click the Details tab.
The system displays details of the selected Islamic Finance account.
Financing Details
Field Description
Field Name
Description
Account Details
Customer Id
[Display]
This field displays the customer id of the selected account.
Account Number
[Display]
This field displays the account numbers under a particular
customer ID.
Product Name
[Display]
This field displays the financing product name.
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Financing Details
Field Name
Description
Financing Details
Maturity Date
[Display]
This field displays the maturity date of the financing matures.
Amount Financed
[Display]
This field displays the financed amount.
Finance Amount
Disbursed
[Display]
Profit Rate
[Display]
This field displays the financing amount disbursed till date.
This field displays the profit rate applicable to the financing
account.
Linked Murabaha
Bill
[Display]
Supplier Grace
Period
[Display]
This field displays the bill reference number associated with
Mudaraba finance contract.
This field displays the supplier grace period and frequency
This field is displayed only when you select a financing account
opened under Mudaraba product.
Customer Grace
Period
[Display]
This field displays the customer grace period and frequency
This field is displayed only when you select a financing account
opened under Mudaraba product.
Bank Profit Share
[Display]
This field displays the bank profit share (percentage of profit that
the bank shall get in case of a profitable return on the Mudaraba
account.
This field is displayed only when you select a financing account
opened under Mudaraba product.
Customer Profit
Share
[Display]
This field displays the customer profit share (percentage of profit
that the bank shall get in case of a profitable return on the
Mudaraba account.
This field is displayed only when you select a financing account
opened under Mudaraba product.
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Financing Details
Field Name
Description
Lease Type
[Display]
This field displays the lease type for the financing account The
options are:

Financial Lease

Operational Lease
This field is displayed only when you select a financing account
opened under IJARAHA or TAWAROOQ products.
Lease Payment
Mode
[Display]
This field displays the type of payment mode for the financing
account
This field is displayed only when you select a financing account
opened under IJARAHA or TAWAROOQ products.
Bank ‘s share
[Display]
This field displays the finance sharing ratio of the Bank on
Mudaraba account
Customer’s Share
[Display]
This field displays the finance sharing ratio of the customer on
Mudaraba account
Outstanding
Financing Details
These fields are displayed only for Active financing accounts.
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]
Fees and Charges
[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 charges debited by the bank for processing the
financing till date.
Outstanding
Finance Amount
[Display]
This field displays the outstanding finance amount to be paid.
Disbursal Details
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Financing Details
Field Name
Description
Disbursal Amount
[Display]
This field displays the amount of financing disbursed
Disbursal Date
[Display]
This field displays the date of disbursal of financing
Disbursal Branch
[Display]
This field displays the Bank branch for the disbursal.
Repayment Details
Amount Paid Till
Date
[Display]
Total Amount to
be Repaid
[Display]
No of Instalments
[Display]
This field displays the repaid by the customer on the finance, till
date.
This field displays the total amount to be repaid by the customer
towards the finance on closure, including charges, if any.
This field displays the number of instalments in which financed
amount needs to be paid.
Instalments paid
[Display]
This field displays the total number of instalments paid by the
customer to the bank
Repayment Mode
[Display]
This field displays the financing repayment mode ( ECS/
Cheque/Credit Card)
5.
Click the Email
icon to send an email about the account.
The system displays the Compose Message screen with your Customer ID and Account Number.
You can compose the message subject and message body of the email.
6.
Click the PDF
icon on the Financing Details screen to generate the ad hoc statement.
Note: Please refer to Ad hoc Statement section in this User Manual to more information to generate an
ad hoc account statement.
To filter account activity
You can view the account activity details for a specified time period.
1.
Navigate to the account activity of the required account.
2.
Click the Filter
icon.
The system displays the Filter pop-up screen:
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Financing Details
3.
Specify the start date in the From field and end date in the To field, click Submit, and view
account activity of the selected account for the specified period.
Download Account Activity
You can download account activity for specified search criteria for selected loan account in PDF
and Excel formats.
1.
Navigate to the account activity of the required account.
2.
Click the Download
icon.
The system displays the document formats available for download.
3.
Click the icon for the required document format.
4.
Open the downloaded account activity document in a new window or save the downloaded
account activity document.
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Mutual
Funds
24. Mutual Funds
You can buy mutual funds from an Asset Management Company (AMC) in the application. You
can also view the order status of mutual fund transactions that you have initiated in the
application.
You can view details of all their mutual funds holdings in the application. You can also sell or
redeem the purchased mutual funds. In the application, you can also switch investments from one
mutual fund to other mutual funds.
24.1 Buy Funds
You can enter details to buy mutual funds of the selected AMC from the application. You must
specify the amount to be invested or the number of units to be purchased for the selected fund.
To buy funds
1.
Click More > Mutual Funds > Buy Funds.
The system displays the Buy Funds screen.
Buy Funds 1
Buy Funds 2
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Mutual
Funds
Buy Funds 3
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Mutual
Funds
Field Description
Field Name
Description
Unit Holder
[Optional, Input box, 50]
Enter the Unit Holder ID under which you want to buy the mutual
fund.
Click the Unit Holder hyperlink.
The system displays the corresponding Funds AMC.
Fund AMC
[Optional, Input box, 50]
Enter the Asset Management Company under which the required
mutual fund exists.
The system displays the corresponding mutual funds.
Fund Information
Fund Name
[Optional, Input box, 50]
Select the required mutual fund.
The system displays the minimum investment amount or minimum
purchase units.
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Mutual
Field Name
Description
Minimum Amount
[Display]
Funds
This field displays the minimum amount that has to be invested to
subscribe to the fund, with the currency of the mutual fund.
Minimum Units
[Display]
This field displays the minimum units that have to be invested to
subscribe to the fund, with the currency of the mutual fund.
Place an Order
Investment Type
[Mandatory, Dropdown]
Click the Amount option to specify that the investment is to be
made in terms of amount click the Units option for investment in
number of units.
Amount/Units
[Mandatory, Input box, 15]
Enter the amount to be invested / number of units to be purchased.
2.
Enter the relevant details in the appropriate fields and then click Continue to view the next screen
of the process.
3.
Click Continue.
The system displays the Buy Funds – Verify screen.
OR
Click Cancel to clear all the details that you have entered.
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Mutual
Funds
Buy Funds – Verify
4.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays transaction reference number for the transaction.
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Mutual
Funds
Buy Funds – Confirm
5.
Click the Save button to save the details.
6.
Click the Print button to print the details.
7.
Click the OK button.
The system displays the initial Buy Funds screen.
24.2 View Order Status
You can view the order status of mutual funds that you have initiated in the application. You must
select the Unit Holder and the status in the application to view the order status of the mutual
funds.
To view order status of mutual funds
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Mutual
1.
Funds
Click More > Mutual Funds > Order Status.
The system displays the Order Status screen.
Order Status 1
Field Description
Field Name
Description
Unit Holder
[Mandatory, Dropdown]
Select the name of the Unit Holder from the drop-down list.
Status
[Mandatory, Dropdown]
Select the status of the mutual fund for the search criteria from the
drop-down list.
2.
Select the name of the Unit Holder and the status of the mutual fund.
The system displays the reference number and the status of the mutual funds based on your
selected criteria.
Order Status 2
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Mutual
Funds
Field Description
Field Name
Description
Unit Holder
[Mandatory, Dropdown]
Select the name of the Unit Holder from the drop-down list.
Order Status
[Mandatory, Dropdown]
Select the status of the mutual fund for the search criteria from the
drop-down list.
Reference No
[Display, Hyperlink]
This field displays the transaction reference number of an order.
Click this hyperlink to view the corresponding order details.
Status
[Display]
This field displays the status of the corresponding mutual fund with
the transaction reference number.
3.
Click the required Transaction Reference Number hyperlink.
The system displays the order details of the mutual funds.
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Mutual
4.
Funds
Click the Order Details tab.
The system displays the details of the mutual funds that you have bought in the application.
Order Details
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Mutual
Funds
Field Description
Field Name
Description
Order Details
Unit Holder
[Display]
This field displays the name of the unit holder.
Fund Name
[Display]
This field displays the Fund ID of the mutual fund.
Transaction Type
[Display]
This field displays the transaction type of the mutual fund.
Transaction
Amount
[Display]
Status
[Display]
This field displays the transaction amount of the mutual fund.
This field displays the status of the order.
Transaction Units
[Display]
This field displays the number of transaction units.
Units Applied
[Display]
This field displays the number of units applied.
Reason (If not
allocated)
5.
[Display]
This field displays the reason for not allocating the units.
Click the Payment Details tab.
The system displays the payment details of the mutual funds that you have bought in the
application.
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Mutual
Funds
Payment Details
Field Description
Field Name
Description
Payment Details
Payment Mode
[Display]
This field displays the payment mode of the mutual fund.
Transfer Branch
[Display]
This field displays the bank branch.
Transfer Account
[Display]
This field displays the account number used for transfer, in the
Account Number – Branch format.
Payment Amount
[Display]
This field displays the amount of payment, with the currency, for
the mutual fund
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Mutual
Field Name
Description
Drawee Bank
[Display]
Funds
This field displays the drawee bank.
6.
Click the Back button on your device to view the previous screen.
24.3 Redeem Funds
You can redeem or sell a mutual fund of a particular AMC, from your mutual fund portfolio in the
application. You can make a full or partial redemption of the selected mutual fund.
You must specify the redemption in terms of mutual fund units or in terms of amount to be
redeemed.
To redeem a mutual fund
1.
Click More > Mutual Funds > Redeem Funds.
The system displays the Redeem Funds screen.
Redeem Funds 1
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Mutual
Funds
Field Description
Field Name
Description
Unit Holder
[Mandatory, Dropdown (with typo-search)]
Select the Unit Holder ID under which you want to buy the mutual
fund.
The system displays the corresponding Funds AMC.
Redeem Funds 2
Field Description
Field Name
Fund Name
Description
[Mandatory, Dropdown (with typo-search)]
Select the required mutual fund.
2.
Select the required mutual fund.
3.
Click Continue.
The system displays the number of units held and amount in the selected mutual fund.
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Mutual
Funds
Redeem Funds 3
Field Description
Field Name
Description
Units Held
[Display]
This field displays the number of units of the mutual held as on
current date.
Amount
[Display]
This field displays the market value of the investment as on date,
with the currency of the mutual fund.
4.
Click Continue.
The system displays the fields to redeem the selected mutual fund.
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Mutual
Funds
Redeem Funds 3
Field Description
Field Name
Description
Place an Order
Redeem Type
[Mandatory, Dropdown]
Select the Amount option to specify that the investment is to be
made in terms of amount.
Select the Units option for investment in number of units.
Amount/Units
[Mandatory, Input box, 15]
Enter the amount to be invested / number of units to be purchased.
5.
Click Submit.
The system displays the Redeem Funds – Verify screen.
OR
Click Cancel to clear all the details that you have entered.
Redeem Funds – Verify
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Mutual
6.
Funds
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number for transaction.
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Mutual
Funds
Redeem Funds – Confirm
7.
Click the Save button to save the details.
8.
Click the Print button to print the details.
9.
Click OK button.
The system displays the initial Redeem Funds screen.
24.4 Switch Funds
You can switch investments from one mutual fund to other mutual fund of the same AMC and
under the same Unit Holder Id in the application. You can switch either a part or the total
investment made in the mutual fund.
You must specify the switch details in terms of amount or in terms of units,
When you start a switch request of the mutual funds, units from the source mutual fund are
redeemed and units of the destination mutual fund are bought.
To switch mutual funds
1.
Click More > Mutual Funds > Switch Funds.
The system displays the Switch Funds screen.
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Mutual
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Funds
131
Mutual
Switch Funds 1
Funds
Switch Funds 2
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Mutual
Switch Funds 3
Funds
Switch Funds 4
Field Description
Field Name
Description
Unit Holder
[Mandatory, Dropdown (with typo-search)]
Select the Unit Holder ID under which you want to Switch the
mutual fund.
The system displays the corresponding funds in From Funds and
To Funds fields.
From Funds
[Mandatory, Dropdown (with typo-search)]
Select the fund that you want to redeem.
The system displays the corresponding units held and current
market values for the fund.
Units Held
[Display]
This field displays the number of units available for redemption as
on date.
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Mutual
Field Name
Description
Amount
[Display]
Funds
This field displays the market value available for redemption as on
date, with the currency of the mutual fund.
To Funds
[Mandatory, Dropdown (with typo-search)]
Select the fund that you want to buy.
The system displays the corresponding units held and current
market values for the fund.
Place an Order
Switch Type
[Mandatory, Dropdown]
Select the Amount option to specify that the redemption in the
switch is to be made in terms of amount.
Select the Units option for redemption in switch in terms of number
of units.
Amount/Units
[Mandatory, Input box, 15]
Enter the amount to be invested / number of units to be purchased.
2.
Click Continue to view the next step of the process.
OR
Click Cancel to view the previous screen.
3.
Click Submit. The system displays the Switch Funds – Verify screen.
OR
Click Reset to clear all the details that you have entered.
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Mutual
Funds
Switch Funds – Verify
4.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number for transaction.
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Mutual
Funds
Switch Funds – Confirm
5.
Click the Save button to save the details.
6.
Click the Print button to print the details.
7.
Click OK button.
The system displays the initial Switch Funds screen.
24.5 View Fund Portfolio
You can view the details of all your mutual funds holdings in the application.
The system displays a pie chart to represent your current funds holdings for each unit holder.
You can also view your mutual fund investments related to a selected unit holder.
To view portfolio of mutual funds
1.
Click More > Mutual Funds > Portfolio.
The system displays the Funds Dashboard screen.
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Mutual
Funds
Funds Dashboard
2.
Select the Unit Holder from the dropdown list, mapped to your Customer ID.
The system displays the portfolio details of the selected unit holder.
3.
Click the Funds tab.
The system displays the details of your mutual funds in the application.
Portfolio – Funds tab
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Mutual
Funds
Field Description
Field Name
Description
Current Balance
[Display]
This field displays the total current value of your holdings.
Unit Holder
[Optional, Dropdown]
Select the required Unit Holder mapped to your Customer ID.
The corresponding Funds AMC is displayed.
Fund Name
[Display]
This field displays the names of the mutual fund (with amount)
under the selected Funds AMC.
Amount
[Display
This field displays the invested amount.
4.
Click the Graph tab.
The system displays the details of your mutual funds in the application as a pie chart.
Portfolio- Graph
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Mutual
Funds
Field Description
Field Name
Description
Pie Chart
[Display]
This pie chart represents your current holdings across all unit
holders, if multiple unit holders are available.
If only one unit holder is selected or available, this pie chart
represents the current holdings of Mutual Funds within a unit
holder.
5.
Click Buy Funds to view the Buy Mutual Funds screen.
6.
Click Order Status to view the Order Status screen.
7.
Click Redeem Funds to view the Redeem Funds screen.
8.
Click Switch Funds to view the Switch Funds screen.
9.
Click Portfolio to view the Portfolio screen with all unit holders and overall view of the holdings
screen.
10.
Click the Fund Name to view the Fund Details pop-up screen.
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Mutual
Funds
Fund Details
Field Description
Field Name
Description
Fund Details
Fund Name
[Display]
This field displays the name of the mutual fund.
Click this hyperlink to view the Fund Details
Fund Type
[Display]
This field displays the type of the mutual fund.
Fund Currency
[Display]
This field displays the currency of the mutual fund.
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Mutual
Field Name
Description
Units Held
[Display]
Funds
This field displays the number of units held as on current date for
the mutual fund.
Amount in Fund
Currency
[Display]
This field displays the total mutual fund amount in the fund
currency.
11.
Click Switch Funds to view the Switch Funds screen.
12.
Click Redeem Funds to view the Redeem Funds screen.
13.
Click the Back button on your device to view the previous screen.
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Budget
Management
25. Budget Management
You can use the budget management feature to plan a budget against your expenses. You can
create, modify and delete a budget, and track the progress of budget. The application also
includes a budget calculator to find the total savings after all your expenditure is compared with
your income.
To view budget calculator
The Budget Calculator enables you to view total savings by comparing your monthly income and
total monthly savings and expenditure.
1.
Click Calculators > Budget Calculator on the login screen of the application or on the
dashboard of the application.
The system displays the Budget Calculator.
Budget Calculator
2.
Enter your monthly income in the Enter Your Monthly Income field.
3.
Enter the required values in the appropriate fields of the Budget Calculator
4.
Click Calculate Savings.
The system displays the details for your potential monthly savings.
OR
Click Reset to modify all values in the appropriate fields of the Budget Calculator.
OR
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Budget
Management
Click the Set Budget icon to create a budget in the application.
OR
Click the Compare icon to compare your budget with peers.
Note: You must register for (if you are a new user) or login to the application if you want to create or
compare a budget in the application.
25.2 Create a Budget
You can create a budget in the application to keep track of your monthly expenses.
To create a budget
1.
Login to the Android-based application.
2.
Click More > Manage Finances > Budget > Set Budget.
The system displays the Set Budget screen.
Set Budget
Field Description
Field Name
Period of your
budget
Description
[Mandatory, Dropdown]
Select periodic search options available to the User.
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Budget
Field Name
RollOver Budget
Management
Description
[Checkbox]
Select this checkbox to rollover the budget to the next month.
Categories
[Optional, Dropdown]
Select a category for your budget.
Total
[Optional, Input box, 15]
Enter the total amount for the budget category.
Sub Categories
[Display]
This field displays the subcategories for the selected category.
3.
Click Save and Continue to save details entered for the selected category.
4.
Enter the required values for other budget categories.
5.
Click Complete.
The system saves the budget and displays the Budget- Confirm screen.
6.
Click Confirm if all values for the budget are correct.
The system saves the budget to your account and displays the reference number for the budget.
7.
Click OK.
The system displays the Set Budget screen.
Edit a Budget
You can view, modify or delete the budgets that you create in the application from the Set Budget
screen.
To view a budget from the Set Budget screen
1.
Click More > Manage Finances > Budget > Set Budget.
The system displays the Set Budget screen.
Note: If you have already created budgets in the application, the system displays a pop-up screen to
allow you to either view or modify existing budgets.
2.
Click View budget in the pop-up screen to view the details of the budget.
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Budget
Management
Expenses Vs Budget
3.
Click Modify.
The system displays the Set Budget screen in which you can update the details of the budget.
OR
Click Delete to delete the budget from the application.
OR
Click Compare to compare the budget with peers.
To modify a budget from the Set Budget screen
4.
Click More > Manage Finances > Budget > Set Budget.
The system displays the Set Budget screen.
Note: If you have already created budgets in the application, the system displays a pop-up screen to
allow you to either view or modify existing budgets.
5.
Click Modify budget in the pop-up screen to modify the details of the budget.
The system displays the Set Budget screen in which you can update the details of the budget.
Field Description
Field Name
Description
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Budget
Field Name
Management
Description
Period of your
budget
[Dropdown]
RollOver Budget
Select this checkbox to rollover the budget to the next month.
Categories
Select a category for your budget.
Total
Enter the total amount for the budget category.
Sub Categories
Enter the amount for the budget sub category.
Select periodic search options available to the User.
6.
Click Save and Continue to save details entered for the selected category.
7.
Click Submit. Your budget for the selected budget category is saved.
Compare Expenses and Budget
You can compare budget and the expenditure for the current or specific month for the respective
categories and sub categories of a budget.
1.
Click More > Manage Finances > Budget > Expenses vs Budget.
The system displays the Expenses vs Budget screen.
Expenses Vs Budget
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Budget
Management
Field Description
Field Name
Category
Description
[Display]
This field displays the name of the category and sub category along
with the graph for the expenses Vs the budget.
Amount
[Display]
This field displays the amount for expenditure Vs the budget for the
category and sub category.
Expenditure graph
[Display]
This field displays the expenditure line graph
Disclaimer
[Display]
This field displays the text to let you know the number of categories for
which the budget is not maintained but expenditure is done.
2.
Click Modify on the Expenses vs Budget screen.
The system displays the Set Budget screen with values on the Set Budget screen.
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Budget
Management
Note: You cannot modify the period of the budget on this screen.
3.
Click the Compare icon on the Expenses vs Budget screen.
The system displays the benchmarking screen with data as defaulted from your profile.
4.
Click Expand on the Expenses vs Budget screen.
The system displays the budgets and expenses set for the sub categories.
5.
Click Collapse on the Expenses vs Budget screen.
The system closes the budgets and expenses displayed for the sub categories.
Note: If a month does not have a budget, click Create Budget on the Expenses vs Budget screen to
create a budget for the month.
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Budget
Management
View Budget History
You can view the budgets of previous months, if any.
1.
Click More > Manage Finances > Budget > Expenses vs Budget.
The system displays the Expenses vs Budget screen.
2.
Select a previous month from the drop-down.
The budget details for the categories and sub categories are displayed.
3.
Click the Budget History icon.
The budget details for the categories and sub categories are displayed.
Delete a Budget
You can delete a budget for the selected month.
1.
Click More > Manage Finances > Budget > > Expenses vs Budget.
The system displays the Expenses vs Budget screen
2.
Click Delete.
The system displays the Delete Budget screen.
3.
Click OK.
The budget is deleted from the application.
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Goal
Setting
26. Goal Setting
Goals in the application are financial goals that you want to achieve in a specified period of time.
You can use the Goal Setting feature of the application to use the Goal Calculator. You can know
your investment targets to reach your specified financial goals in a specific period of time, using
the Goal Calculator.
You can create, view or modify a goal. You can also make contributions to the goal from your
selected account in the application. You can redeem a goal if required. You can also add
participants to your goals who will also contribute to your goal using their accounts in the
application.
In the application, you can also share your goals with friends and family using social media. If
they also use the application, you can send them a request for contributing towards your goals,
using social media.
You can also contribute to the goals of other users if they have assigned you as the goal
participant or send a social media request for goal contribution.
You can also compare goals with that of peers and analyze the results.
As a registered user or visitor to the application you can only use the Goal Calculator and
compare goals in the application.
26.1 View Goal Calculator
The Goal Calculator enables you to view investment targets to reach your specified financial
goals in a specific period of time, given a rate of interest for your proposed investments.
1.
Click Calculators > Goal Calculator on the login screen of the application or on the dashboard
of the application.
The system displays the Goal Calculator with these three sections divided across three screens:

What are you saving for?

How do you want to keep saving towards your goal?

Set your goal tenure
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Goal
Setting
Goal Calculator
Field Description
Field Name
Description
What are you saving for?
Name your goal
[Mandatory, Input, 40]
Enter the name for the goal.
Set an amount
[Mandatory, Input, 15]
Enter the amount for the goal.
Choose category
[Optional, Dropdown]
Select the category of the goal.
How do you want to keep saving towards your goal?
Amount you wish to start with Mandatory, Input, 15]
Enter the initial deposit amount.
How often would you like to
contribute?
[Mandatory, Dropdown]
Select the frequency of your contribution.
Set your goal tenure
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Goal
Field Name
Setting
Description
Tenure (In Months)
[Date-picker]
Select the duration of the goal.
2.
Click Continue after entering the required details at the end of each section.
3.
Click Calculate.
The system displays your goal based on your specifications.
Goal Calculator - Result
Field Description
Field Name
Result
Description
[Display]
This field displays the text:
If you save <amount with currency> every <frequency> you will be
able to reach your goal '<Goal Name>' of <amount with currency> in
<time period in months> at interest rate of <rate of interest>
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Goal
Setting
26.2 Create a Goal
You can create a financial goal in the application. You can set specific contribution towards the
goal from one account at regular intervals for the tenure of the financial goal. After the completion
of the tenure of the goal, you can then transfer the accumulated contributions to another account
through domestic transfer options.
1.
Click More > Manage Finances > Goals > Create Goal.
The system displays the Create Goal screen.
Create Goal
Field Description
Field Name
Description
What are you saving for?
Change Image
[Mandatory, Display, Lookup]
Set the image to be assigned to the goal.
Name your goal
[Mandatory, Input, 40]
Enter the name for the goal.
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Goal
Field Name
Choose a category
Setting
Description
[Optional, Dropdown]
Select the category of the goal.
Choose a sub
category
[Optional, Dropdown]
Set target amount
[Mandatory, Input, 15]
Select the category of the goal.
Enter the amount for the goal.
Choose
[Mandatory, Radio buttons]
Select the required radio button to set the end date of the goal either
by tenure or by maturity date.
The options are:
Set target date

Tenure

Set Date

Default Set date
[Conditional, Date picker]
Enter the end date of the goal.
Set Tenure
[Conditional, Dropdown]
Enter the tenure of the goal in terms of years, months, and days.
Note: You can either enter the tenure or the end date for the goal.
2.
Click View T & C to see the terms and conditions of use.
3.
Click the Terms & Conditions checkbox.
4.
Click OK.
5.
Click Continue.
The system displays screen for the second step of goal creation.
Create Goal- Step 2
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Goal
Setting
Field Description
Field Name
Description
Amount you wish to start with
Amount
[Mandatory, Input, 15]
Enter the amount to be credited to the goal.
Funding Account
Number
6.
[Mandatory, Dropdown]
Select the account number from which funds are to be credited to the
goal.
Click Next.
The system displays screen for the third step of goal creation.
Create Goal- Step 3
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Goal
Setting
Field Description
Field Name
Description
How regularly you wish to wish to contribute
Funding Account
Number
[Optional, Dropdown]
Select the account number from which funds are to be credited to the
goal.
By default, the account number you selected in the second step of
goal creation is displayed.
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Goal
Field Name
Frequency
Setting
Description
[Optional, Dropdown]
Select the frequency of regular contributions to the goal. The options
include:
Amount

Daily

Fortnightly

Monthly

Quarterly

Half yearly

Yearly
[Optional, Input, 15]
Enter the amount to be debited for regular contribution towards the
goal.
Start Date
[Optional, Date picker]
Enter the start date for regular contribution towards the goal.
End Date
[Optional, Date picker]
Enter the end date for regular contribution towards the goal.
7.
Click Next.
The system displays screen for the fourth step of goal creation.
Create Goal- Step 4 Transfer Amount to User Mapped Accounts
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Goal
Setting
Create Goal- Step 4 Transfer Amount to Internal Bank Account
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Goal
Setting
Create Goal- Step 4 Transfer Amount through Domestic Clearing Networks
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Goal
Setting
Field Description
Field Name
Description
How do you wish to receive the amount on completion of tenure?
Note: This is an optional section.
Account Transfer
Option
[Mandatory, Dropdown]
Account Number
[Mandatory, Dropdown]
Select the account transfer options for transfer of amount on
completion of the tenure of the goal.
Select the account number for transfer of amount on completion of the
tenure of the goal.
Beneficiary Name
[Mandatory, Input, 35]
Enter the name of the beneficiary to whom funds are to be transferred.
Network Type
[Mandatory, Dropdown]
Select the domestic transfer network for the funds transfer.
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Goal
Field Name
Bank Code
Setting
Description
[Mandatory, Search, Display]
Search and select the bank code of the account for transfer of amount
on completion of the tenure of the goal.
Bank Name
[Optional, Display]
This field displays the name of the bank based on your selected bank
code for the funds transfer.
Bank Address
[Optional, Display]
This field displays the address of the bank based on your selected
bank code for the funds transfer.
City
[Optional, Display]
This field displays the city of the bank based on your selected bank
code for the funds transfer.
Branch
[Optional, Display]
This field displays the branch of the bank based on your selected bank
code for the funds transfer.
8.
Click Submit.
The system displays Create Goal – Verify screen.
OR
Click Cancel to view the previous screen.
Create Goal – Verify
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Goal
9.
Click Change to modify any details and then verify all the details and click Confirm.
The system creates the goal in the application.
10.
Click Ok.
The system displays the initial Create Goal screen.
Setting
26.3 View Goal Summary
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the Goals account type.
The system displays the Account Summary screen for all your goals in the application.
Account Summary- Goals
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Goal
Setting
Field Description
Field Name
Description
Goal Name
[Display, Hyperlink]
This field displays the name of the goal.
Click this hyperlink to view the more details of the goal.
Available Balance
[Display]
This field displays the current balance in the goal.
3.
Click the required goal name under the required tab.
The system displays details of the selected goal in the View Goal screen.
26.4 View Goals
You can view all your goals in the application. These goals include:

Goals that you create in the application

Goals in which you are a participant.
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Goal
Setting
Note: You can view the list of all your created goals and balances for each such goal in the account
summary screen.
View your created goals
1.
Click More > Manage Finances > Goals > View Goal.
The system displays the View Goal screen for the selected goal.
2.
Click the My Goals tab.
3.
Select the required goal that you have created.
The system displays the View Goal screen for the selected goal.
View Goal
Field Description
Field Name
Goal owner
Description
[Display]
This field displays the name of the goal creator.
‘Goal Name’/ Goal
image
[Display, Hyperlink]
This field displays the name and the image associated with the goal.
Click this hyperlink to view more details of the goal.
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Goal
Field Name
Current Savings
Setting
Description
[Display]
This field displays the current balance available for the goal
Still to achieve
[Display]
This field displays the difference between the goal amount and the
current balance available for the goal.
Goal amount
[Display]
This field displays the amount set for the goal.
Circular progress
bar
[Display]
This field displays a progress bar which depicts the current
achievement in percentage with respect to the amount set for the goal.
4.
Click Add New Goal to create a goal.
5.
Click Actions.
The system displays a list of these actions for your created goal:

Fund the goal

Edit the goal

Redeem the goal

Request a contribution for the goal

Share the goal

View participants in the funding of the goal

View transactions for the goal

Compare goals with peers

View more details of the goal
View goals in which you are a participant
6.
Click the Joint Goals tab.
OR
Click the Shared Goals tab.
7.
Select the required goal in which you are a participant.
The system displays the
8.
Click Add New Goal to create a goal in which you are the participant.
9.
Click Actions.
The system displays a list of these actions for your goal:

Fund the goal

Edit the goal

View transactions for the goal
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Goal

Setting
Request a contribution for the goal
View more details of the goal
1.
Select the required goal.
2.
Click Actions > More Details.
The system displays more details of the goal.
Field Description
Field Name
Description
View Goal
Goal Name
[Display]
This field displays the name of the goal.
Category
[Display]
This field displays the category of the goal.
Sub Category
[Display]
This field displays the sub-category of the goal.
Target
[Display]
This field displays the amount of the goal.
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Goal
Field Name
Target Date
Setting
Description
[Display]
This field displays the end date of the goal.
Tenure
[Display]
This field displays the tenure of the goal.
Saved
[Display]
This field displays the current balance (including the earned interest)
of the goal.
Still to achieve
[Display]
This field displays the difference between the target and saved
amount.
Initial amount you started with
Amount
[Display]
This field displays the initial funding amount of the goal.
Account Number
[Display]
This field displays the account number from which funds will be
debited for initial funding of the goal.
How often are you contributing
Funding account
number
[Display]
Frequency
[Display]
This field displays the funding account number of the goal.
This field displays frequency or regular contribution of the goal.
Amount
[Display]
This field displays the amount for regular contribution of the goal.
Start Date
[Display]
This field displays the end date of the goal.
End Date
[Display]
This field displays the end date of the goal.
How do you wish to receive the amount on completion of tenure
Account Transfer
Options
[Display]
Account
[Display]
This field displays the account transfer option of the goal.
This field displays the account number for funds transfer for the goal.
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Goal
Field Name
City
Setting
Description
[Display]
This field displays the city of account for funds transfer for the goal.
Branch
[Display]
This field displays the branch of account for funds transfer for the goal.
3.
Click the Back button on your device to view previous screen.
26.5 Modify a Goal
You can modify all your goals in the application. These goals include:

Goals that you create in the application

Goals in which you are a participant.
1.
Click More > Manage Finances > Goals > View Goal.
The system displays the View Goal screen for the selected goal.
2.
Click a goal in the My Goals, or Joint Goals, or the Shared Goals tab.
3.
Click Actions > Edit.
The system displays the Edit Goal screen.
Edit Goal
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Goal
4.
Setting
Modify the required details of the goal and then click Update.
The system displays the Edit Goal – Verify screen.
Edit Goal Verify
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Goal
5.
Click Change to modify any details and then verify all the details and click Confirm.
6.
Click Ok.
The system displays the initial View Goal screen.
Setting
26.6 Fund a Goal
You can make an ad hoc or regular contribution to all your goals in the application. These goals
include:

Goals that you create in the application

Goals in which you are a participant.
1.
Click More > Manage Finances > Goals > View Goal.
The system displays the View Goal screen for the selected goal.
2.
Click a goal in the My Goals, or Joint Goals, or the Shared Goals tab.
3.
Click Actions > Fund.
The system displays the Fund Goal screen.
Fund Goal
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Goal
Setting
Field Description
Field Name
Funding Account
Description
[Dropdown]
Select the account number from which funds are to be credited to the
goal.
Amount
[Input]
Enter the amount to be credited to the goal.
Payment Schedule
[Button]
Select whether you want to give the goal contribution amount now or
at a later date
Payment Date
[Date picker]
Enter the date you want to give the goal contribution.
4.
Enter the required details of the goal and then click Submit.
The system displays Fund Goal – Verify screen.
Fund Goal – Verify
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Goal
Setting
5.
Click Change to modify any details and then verify all the details and click Confirm. The funding
details of your selected goal are updated in the application.
6.
Click Save to save the details.
7.
Click Print to print the details.
8.
Click Ok to close the box showing the transaction reference number.
26.7 Add and Modify Goal Participants to Your Goal
You can add other users of the application as participants to your goal. These participants can:

Fund the goal

Edit the goal

View transactions for the goal

Request a contribution for the goal
Add participants to your goal
You can add other users of the application as participants to your goal.
1.
Click More > Manage Finances > Goals > View Goal.
The system displays the View Goal screen for the selected goal.
2.
Click a goal in the My Goals tab.
The system displays the View Goal screen for the selected goal.
3.
Click Actions > Participants.
The system displays the Goal Participants screen, showing e-mail addresses of existing goal
participants, if any.
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Goal
Setting
4.
Click the Add new participant icon.
5.
Enter the e-mail address of the person who you want as a goal participant.
6.
Click Submit.
The system displays the Reference Number and Security Code for request for adding the goal
participant.
Ensure that you share these numbers with the new goal participant.
7.
Click Ok.
Modify existing participants to your goal
You can modify the e-mail address of the goal participant to your goal.
8.
Navigate to the View Goal screen.
9.
Click a goal in the My Goals tab.
The system displays the View Goal screen for the selected goal.
10.
Click Actions > Participants.
The system displays the Goal Participants screen, showing e-mail addresses of existing goal
participants.
11.
Click the Edit icon.
12.
Modify the required e-mail address.
13.
Click Done.
The system updates the required e-mail address.
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Goal
Setting
Delete existing participants to your goal
You can delete existing goal participants to your goal by deleting the required email address.
1.
Navigate to the View Goal screen.
2.
Click a goal in the My Goals tab.
The system displays the View Goal screen for the selected goal.
3.
Click Actions > Participants.
The system displays the Goal Participants screen, showing e-mail addresses of existing goal
participants.
4.
Click the Edit icon.
5.
Click the icon next to the required e-mail address.
6.
Click Delete and then click Done.
The system removes the required e-mail address from the application.
Accept goal participant request
You can accept a goal participant goal request by clicking the link that you receive in your e-mail
inbox.
1.
Click on the link that you receive from the goal owner.
2.
Ensure that your e-mail address is correct. Modify the e-mail address if required.
3.
Enter the Reference Number and Security Code shared with you by the goal owner.
4.
Click Continue.
5.
Click View T & C to view terms and conditions of use.
6.
Select the I Accept Terms & Conditions checkbox.
26.8 View Transactions for a Goal
You can view all transactions for all your goals in the application
You can make an ad hoc or regular contribution to all your goals in the application. These goals
include:

Goals that you create in the application

Goals in which you are a participant
1.
Click More > Manage Finances > Goals > View Goal.
The system displays the View Goal screen for the selected goal.
2.
Click a goal in the My Goals, or Joint Goals, or the Shared Goals tab.
3.
Click Actions > Transactions.
The system displays the Goal Transaction screen.
Goal Transaction
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Goal
Setting
Field Description
Field Name
Date
Description
[Display]
This field displays the date on which the transaction has been
executed.
Narration
[Display]
This field displays a brief description of the transaction for the goal.
Deposit
[Display]
This field displays the amount deposited to the account for the goal.
Withdrawal
[Display]
This field displays the amount debited from the account for the goal.
Balance
[Display]
This field displays the current balance in the account for the goal.
Contributed by
[Display]
This field displays the name of the contributor for the goal.
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Goal
4.
Click the Save icon to download the goal transaction details in txt format.
5.
Click Print icon to print all the goal transaction data.
6.
Click the Back button on your device to view the previous screen.
Setting
26.9 Share a Goal and Request Goal Contributions
You can share details of all goals that you create in the application with your Facebook friends.
You can also send a request for contributions towards goals that you create and goals for which
you are a goal participant.
Share a goal
You can share the details of the goal using Facebook.
1.
Click More > Manage Finances > Goals > View Goal.
The system displays the View Goal screen for the selected goal.
2.
Click a goal in the My Goals, or Joint Goals, or the Shared Goals tab.
3.
Click Actions > Share.
The system displays the Share Goal screen.
Share Goal
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Goal
Setting
Field Description
Field Name
Description
Choose image to be
assigned to the goal
[Mandatory, Radio button]
Personalised message
[Optional, Text box, 120]
Select an image for the goal from the default images assigned to
a goal category or select the image that you have assigned to
the goal.
Enter the specific message that you want to post along with the
goal on the social media website.
4.
Enter the required details.
5.
Click Connect to view the Facebook sign in page.
6.
Enter your username and password for Facebook and then click Login.
7.
Select names of your Facebook friends with whom you want to share the goal.
8.
Click Done.
Your goal is shared with your selected friends.
9.
Click Ok.
The system displays the previous screen.
Request contribution to your goal
You can request contributions for your goal using Facebook.
1.
Click More > Manage Finances > Goals > View Goal.
The system displays the View Goal screen for the selected goal.
2.
Click a goal in the My Goals tab.
3.
Click Actions > Request Contribution.
The system displays the Request Contribution screen
Request Contribution
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Goal
Setting
Field Description
Field Name
Description
Choose image to be
assigned to the goal
[Mandatory, Radio button]
Personalised message
[Optional, Text box, 120]
Select an image for the goal from the default images assigned to
a goal category or select the image that you have assigned to
the goal.
Enter the specific message that you want to post along with the
goal on the social media website.
4.
Enter the required details.
5.
Click Connect to view the Facebook Sign in page.
6.
Enter your username and password for Facebook and then click Login.
7.
Select names of your Facebook friends from whom you want goal contribution.
8.
Click Done.
Your request for contribution towards your goal is sent to your selected friends.
9.
Click Ok.
The system displays the previous screen.
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Goal
Setting
Contribute to another User’s Goal
You can transfer funds towards the goals of other users. These goals have to be shared with you
through Facebook. You must receive a request on Facebook for contribution from the owner of
the goal in the application.
1.
Click Contribute from the Facebook page on which you have received the goal contribution.
2.
Click Login.
3.
Enter your username and password and then click Sign In. The Goal Contribution screen is
displayed.
Field Description
Field Name
Goal Name
Description
[Display]
This field displays the name of the goal.
Goal Owner
[Display]
This field displays the current name of the goal owner in the
application.
From Account
[Conditional, Dropdown]
Select the funding account from which you want to contribute to
the goal.
Transaction Amount
[Mandatory, Input, 15]
Enter the amount you want to transfer to the account of the
goal.
4.
Enter the details for the contribution of the goal.
The system displays the Verify screen for the transaction.
5.
Click Change to modify any details and then verify all the details and click Confirm.
The goal contribution transaction is completed in the application. The system displays the
reference number for the transaction.
6.
Click Save icon to save the details.
7.
Click Print icon to print the details.
8.
Click Ok.
The system displays the initial View Goal screen.
26.10 Redeem a Goal
You can redeem a specific amount from funds assigned to your created goals in the application.
1.
Click More > Manage Finances > Goals > View Goal.
The system displays the View Goal screen for the selected goal.
2.
Click a goal in the My Goals tab.
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Goal
3.
Setting
Click Actions > Redeem.
The system displays the Redeem Goal screen.
Redeem Goal
Field Description
Field Name
Redeem Type
Description
[Mandatory, Radio button]
Select the redemption type for the funds of the goal.
If you select Full Redemption as the Redeem Type, the goal
account is closed after redemption.
Current Balance
[Display]
This field displays the current balance in the account for the
goal.
Redemption Amount
[Mandatory, Input,15]
Enter the redemption amount.
Reason For Redemption
[Mandatory, Input Alphanumeric with special characters, 40]
Enter the reason for redemption.
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Goal
Field Name
Account Transfer Option
Setting
Description
[Mandatory, Dropdown]
Select the account transfer options for transfer of amount on
completion of the tenure of the goal.
The options are:
Account

Transfer to own account.

Transfer to Internal Bank Account

Transfer through Domestic Clearing Network
[Mandatory, Input box, Dropdown, 20, Alpha-numeric]
Select the account to which the funds will be credited.
Branch Details
This section is displayed only when you select Transfer to
Internal Bank Account in the Account Transfer Option field.
City
[Mandatory, Dropdown]
Select the city of the bank where the funds will be credited
Branch
[Mandatory, Dropdown]
Select the branch of the bank where the funds will be credited
Network Type
[Mandatory, Dropdown]
Select the type of the domestic transfer network.
Domestic Clearing Network This section is displayed only when you select Transfer
Details
through Domestic Clearing Network in the Account Transfer
Option field.
Bank Code
[Mandatory, Dropdown]
Select the code of the bank where the funds will be credited
Beneficiary Name
[Mandatory, Input, 35
Enter the name of the beneficiary to whom funds are to be
transferred.
Bank Name
[Display]
This field displays the name of the beneficiary bank.
Bank Address
[Display]
This field displays the address of the beneficiary bank.
City
[Display]
This field displays the city of the beneficiary bank.
4.
Enter the details for the redemption of the goal and then click Submit.
The system displays the Redeem Goal – Verify screen.
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Goal
5.
Click Change to modify any details and then verify all the details and click Confirm.
The goal redemption transaction is completed in the application.
The system displays the reference number for the transaction.
6.
Click Save icon to save the details.
7.
Click Print icon to print the details.
8.
Click Ok to close the box showing the transaction reference number.
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Spending
Analysis
27. Spending Analysis
The Spending Analysis feature allows you to view the graphs, analyze the spending patterns. You
can view spending analysis in the form of pie chart (default graph) and bar graph.
To view spending analysis
1.
Click More > Manage Finances > Spending Analysis > Spending Analysis.
The system displays spending analysis for all spending categories as a pie chart.
Spending Analysis- All categories – Pie Chart
2.
Click the Bar Graph icon.
The system displays spending analysis as a bar graph.
3.
Click the View Transactions icon.
The system displays all transaction records mapped to your account.
4.
Click the Compare icon.
The system displays the screen to compare expenses.
Filter Spending Analysis
You can specify different criteria to filter your spending analysis.
To filter spending analysis
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Spending
1.
Click More > Manage Finances > Spending Analysis.
The system displays spending analysis for all spending categories as a pie chart.
2.
Click the Filter icon on the Spending Analysis screen.
The system displays the Filter Spending Analysis screen.
Analysis
Filter Spending Analysis
Field Description
Field Name
Search By
Description
[Dropdown]
Select periodic search options available to the User.
From Date
[Date-picker]
Select the From Date for specified date.
To Date
[Date-picker]
Select the To Date for specified date.
Category
[Dropdown]
Select the category and sub-category to filter the spending analysis.
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Spending
Field Name
Customer
Analysis
Description
[Dropdown]
Select the Customer ID for which you want to view the spending
analysis. By default, spending analysis is displayed for all Customer
IDs mapped to your account.
Currency
[Dropdown]
Select the currency.
3.
Enter the required search criteria.
4.
Click View.
The system displays the spending analysis according to your specified criteria.
27.2 View Spending Analysis and Trends for Specific Categories
You can view spending analysis and spending trends for a selected spending category.
You can see the spending trend according to your specified category or sub-category. These
spending trends are available over a period of six months.
To view spending analysis and trends for a specific categories
1.
Click More > Manage Finances > Spending Analysis > Spending Analysis.
The system displays spending analysis for all spending categories as a pie chart.
2.
Click the required spending category from the pie chart.
The system displays the spending analysis for the selected spending category as a pie chart.
3.
Click the Trend icon.
The system displays the spending trend of the selected spending category.
To view spending analysis and trends for a specific sub-categories
1.
Click More > Manage Finances > Spending Analysis > Spending Analysis.
The system displays spending analysis for all spending categories as a pie chart.
2.
Click the required spending category from the pie chart.
The system displays the spending analysis for the selected spending category as a pie chart.
3.
Click the required spending sub- category from the pie chart.
The system displays the spending analysis for the selected spending sub-category as a pie chart.
4.
Click the Trend icon.
The system displays the spending trend of the selected spending sub-category.
27.3 View Transactions in Spending Analysis
You can see all transactions mapped to your account for specified category or sub-category.
1.
Click More > Manage Finances > Spending Analysis > Spending Analysis.
The system displays spending analysis for all spending categories as a pie chart.
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Spending
Analysis
2.
Click the Transactions icon on the Spending Analysis screen.
The system displays all transactions for the spending analysis.
OR
3.
Click the required spending category from the pie chart.
The system displays the spending analysis for the selected spending category as a pie chart.
Click the Transactions icon on the Spending Analysis screen.
The system displays all transactions for the specified spending category
OR
4.
Click the required spending category from the pie chart and then click the required spending sub.category.
The system displays all transactions for the specified spending sub-category.
Click the Transactions icon on the Spending Analysis screen.
The system displays all transactions for the specified spending sub-category
Transactions- Spending Analysis
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Spending
Analysis
Field Description
Field Name
Description
Transaction Record Details
Date
[Display]
This field displays the date on which the transactions are completed.
Transaction
Description
[Display]
Amount
[Display]
This field displays a short description for the completed transactions.
This field displays the amount and the currency for the completed
transactions.
Category
[Display]
This field displays the category or sub category assigned to the
transaction.
5.
Click the Back button on your device to view the dashboard of the application.
27.4 Modify Categories Used in Spending Analysis
You can assign an existing category to a transaction. You can add or delete both category and a
sub-category used in spending analysis.
To modify spending categories assigned to transactions
1.
Click More > Manage Finances > Spending Analysis > Spending Analysis.
The system displays spending analysis for all spending categories as a pie chart.
2.
Click the Transactions icon from a pie chart or a bar graph. The screen displays all transactions
for the specified category.
OR
Click a sub-category on a pie chart or bar graph and then click the Transactions tab. The screen
displays all transactions for the specified sub-category.
3.
Click the Edit icon.
The system displays the Modify Category or Sub Category Assignment screen.
Modify Category or Sub Category Assignment
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Spending
4.
Select the Customer ID for which you want to modify the assignment of categories or sub
categories to transactions.
5.
Select the checkbox next to the required transactions.
6.
Click Modify Assignment.
The Category/Sub Category Selection screen is displayed
7.
Select the required category or sub-category and then click Assign.
OR
Click Back to remove category or sub-category assigned to the transaction
8.
Click Ok.
The system displays the screen to update categories.
Analysis
Add a category used in spending analysis
1.
Click More > Manage Finances > Spending Analysis > Spending Analysis.
The system displays spending analysis for all spending categories as a pie chart.
2.
Click the Transactions icon from a pie chart or a bar graph. The screen displays all transactions
for the specified category.
OR
Click a sub-category on a pie chart or bar graph and then click the Transactions tab.
The screen displays all transactions for the specified sub-category.
3.
Click the Add icon.
The system displays the Add a Category/Sub Category screen.
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Spending
4.
Analysis
Click the Add a Category tab.
OR
Click the Add a Sub Category tab.
Field Description
Field Name
Description
Enter Category
Name
[Mandatory, Input box, 25]
Select Category
[Mandatory, Dropdown]
Specify the name of the category for spending analysis that you want
to add.
Specify the category under which you want to create a sub category
for spending analysis.
This field is displayed only if you select the Add a Sub Category tab.
Add a Category
[Mandatory, Input box, 25]
Specify the name of the sub category for spending analysis that you
want to add.
This field is displayed only if you select the Add a Sub Category tab.
5.
Enter the required details.
The system displays the Add a Category/Sub Category Confirm screen.
6.
Click Ok.
The system displays the Add a Category/Sub Category screen.
Delete a category used in spending analysis
1.
Click More > Manage Finances > Spending Analysis > Spending Analysis.
The system displays spending analysis for all spending categories as a pie chart.
2.
Click the Transactions icon from a pie chart or a bar graph. The screen displays all transactions
for the specified category.
OR
Click a sub-category on a pie chart or bar graph and then click the Transactions tab. The screen
displays all transactions for the specified sub-category.
3.
Click the Update icon.
The system displays the screen to update categories.
Field Description
Field Name
Select Customer
Description
[Dropdown]
Select the Customer ID for which you want to view categories and
subcategories to be modified.
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Spending
4.
Select the required category.
5.
Click Delete.
The system displays the Delete Category/Sub Category Confirm screen.
6.
Click Ok.
The system displays the screen to update categories.
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Benchmarking
28. Benchmarking
You can use the benchmarking feature to compare your financial goals, budgets and expenses
with other people. This comparison can be with people within your age group, income group or
within your state or locality.
28.1 Compare Budget with Peers
You can view financial budgets of people within your selected gender group, age group, or state.
You can also view graphs of average budget set by people in the same group
If you have created your own budget in the application and choose to compare your budget with
others, the results display:

Average budget of other people and your average budget for a given budget category.

Graph of average budget of other people and the position of your budget on the graph for a given
budget category.
To compare budgets with peers
1.
Click More > Manage Finances > Budget > Expenses vs Budget.
The system displays the Expenses vs Budget screen.
2.
Click Compare on the Expenses vs Budget screen.
The system displays the screen to compare budgets with peers.
OR
Click Calculators > Budget Calculator.
The system displays the Budget Calculator.
Click the Compare icon on the Budget Calculator screen.
The system displays the screen to compare budgets with peers.
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Benchmarking
Compare Budget
Field Description
Field Name
Select Category
Description
[Mandatory, Listbox]
Select the sub categories for comparison of budgets.
Choose Income
Group
[Mandatory, checkbox, Dropdown]
Select the checkbox to include the income for comparison of financial
goals.
Select the income group from the drop-down list for comparison.
Choose Age group
[Optional, Checkbox, Dropdown]
Select the checkbox to include the age group for comparison of
financial goals.
Select the age group from the drop-down list for comparison of
financial goals.
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Benchmarking
Field Name
Choose Gender
Description
[Optional, Checkbox, Segmented buttons]
Select the checkbox to include gender for comparison of budgets.
Select the gender from the drop-down list for comparison of budgets.
Choose State
[Optional, Checkbox, Dropdown
Select the checkbox to include the state of residence for comparison
of budgets.
Select the state of residence from the drop-down list for comparison of
budgets.
Include for
comparison
[Optional, Checkbox]
Select this checkbox next to each field if you want to compare your
own budget from the application with the budget of other people in the
selected groups.
3.
Enter the required details.
4.
Click Compare.
The system displays the results of the budget comparison.
Compare Budget - Results

The result includes graph for the average amount for budget set by others within same group and
the individuals standing for the same categories in graph.
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Benchmarking

If you are an existing user of the application, the results display budget comparison for you with
people in same group as you for same income, age group, gender and state.

If you are a registered user, the results display budget comparison for people with your selected
criteria for people in selected income group, age group, gender and state.
28.2 Compare Goals with Peers
You can view financial goals of people within your selected gender group, age group, or state.
If you have created your own financial goals in the application and choose to compare your
financial goals with others, the results display a comparison of your financial goals with that of
people within your selected gender group, age group, or state.
To compare goals with peers
1.
Click More > Manage Finances > Goal > View Goal.
The system displays the View Goal screen.
2.
Click Other Options.
3.
Click Comparison
The system displays the screen to compare goals with peers.
OR
Click Calculators > Goal Calculator.
The system displays the Goal Calculator.
Click the Compare icon on the Goal Calculator screen.
The system displays the screen to compare goals with peers.
Compare Goals
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Benchmarking
Field Description
Field Name
Description
Goal Category
Select Goal Type
[Conditional, Dropdown]
Select the type of goal that you want to compare.
Choose Income
Group
[Mandatory, checkbox, Dropdown]
Select the checkbox to include the income for comparison of financial
goals.
Select the income group from the drop-down list for comparison.
Choose Age group
[Optional, Checkbox, Dropdown]
Select the checkbox to include the age group for comparison of
financial goals.
Select the age group from the drop-down list for comparison of
financial goals.
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Benchmarking
Field Name
Choose Gender
Description
[Optional, Checkbox, Segmented buttons]
Select the checkbox to include gender for comparison of financial
goals.
Select the gender from the drop-down list for comparison of financial
goals.
Choose State
[Optional, Checkbox, Dropdown
Select the checkbox to include the state of residence for comparison
of financial goals.
Select the state of residence from the drop-down list for comparison of
financial goals.
Include for
comparison
[Optional, Checkbox]
Select this checkbox next to each field if you want to compare your
own goals from the application with the goals of other people in the
selected groups.
4.
Enter the required details.
5.
Click Compare.
The system displays the results of the financial goal comparison.
Compare Goals – Results
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Benchmarking
The result includes average of set tenure, average completion tenure and average amount of
goal set by others within same group.
28.3 Compare Expenses
You can view expenses of people within your selected gender group, age group, or state.
If you have created your own spending analysis in the application and choose to compare your
expenses with others, the results display:

Average expenditure of other people and your average expenditure for a given expense category.

Graphs of average expenditure of other people and the position of your expenditure on the graph
for a given expense category.
To compare expenses with peers
1.
Click More > Manage Finances > Spending Analysis > Spending Analysis.
The system displays the Spending Analysis screen.
2.
Click the Compare icon on the Spending Analysis screen.
The system displays the screen to compare expenses with peers.
Compare Expenses
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Benchmarking
Field Description
Field Name
Select Category
Description
[Mandatory, Listbox]
Select the sub categories for comparison of expenses.
Choose Income
Group
[Mandatory, checkbox, Dropdown]
Select the checkbox to include the income for comparison of financial
goals.
Select the income group from the drop-down list for comparison.
Choose Age group
[Optional, Checkbox, Dropdown]
Select the checkbox to include the age group for comparison of
financial goals.
Select the age group from the drop-down list for comparison of
financial goals.
Choose Gender
[Optional, Checkbox, Segmented buttons]
Select the checkbox to include gender for comparison of expenses.
Select the gender from the drop-down list for comparison of expenses.
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Benchmarking
Field Name
Choose State
Description
[Optional, Checkbox, Dropdown
Select the checkbox to include the state of residence for comparison
of expenses.
Select the state of residence from the drop-down list for comparison of
expenses.
Include for
comparison
3.
[Optional, Checkbox]
Select this checkbox next to each field if you want to compare your
own goals from the application with the expenses of other people in
the selected groups.
Click Compare.
The system displays the results of the expenditure comparison.
Compare Expenses - Result
The result includes a chart comparing expenses from your spending analysis in the application
against the expense maintained by the bank for same category. The chart is a column chart with
different expense categories on X axis.
If you are an existing user of the application, the results display the expenses comparison for you
with people in same group as you for same income, age group, gender and state.
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Benchmarking
If you are a registered user of the application, the results display the expenses comparison for
people with your selected criteria in the selected income group, age group, gender and state.
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Beneficiary
Maintenance
29. Beneficiary Maintenance
In the application, you can add details of beneficiaries for these payment types:

Internal Transfer

Domestic Transfer

International Transfer
You can specify the visibility of the beneficiary as Personal or Private. If you create a beneficiary
with Public visibility type, the beneficiary can then be accessed by all users in the application. If
you create a beneficiary with Private visibility type, only you, as the creator of the beneficiary, can
access the details of the beneficiary.
You can view, modify and delete details of the beneficiaries in the application.
29.1 Add Quick /Direct Pay Beneficiary- Internal Transfer
You can create a beneficiary for internal transfer and initiate the payment.
To add a beneficiary for internal transfer
1.
Click More > Transfers > Manage Beneficiary > Direct /Quick Pay Beneficiaries.
The system displays the Choose Beneficiary screen.
2.
Click the Add Beneficiary
button on the Choose Beneficiary screen.
The system displays the Add Beneficiary screen.
3.
Click Internal as the beneficiary type.
The system displays the Add Beneficiary-Internal Transaction Type screen.
Add Beneficiary - Internal Transaction Type
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Beneficiary
Maintenance
Field Description
Field Name
Description
Beneficiary Info
Name
[Mandatory, Input box, 35]
Enter the name of the beneficiary for the transfer.
Nick Name
[Mandatory, Input box, 10]
Enter the nickname of the beneficiary.
Account Number
[Mandatory, Input box, 20]
Enter the account number of the beneficiary for the transfer.
Email
[Mandatory, Input box, 255]
Enter the e-mail address of the beneficiary for the transfer.
Beneficiary Bank Info
Branch
[Mandatory, Input box, typo -search]
Enter the bank branch where the account of the beneficiary is
held.
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Beneficiary
Field Name
Maintenance
Description
Visibility
Select Visibility
[Mandatory, Dropdown]
Select the visibility of the beneficiary in the application.
The options are:

Public

Private
4.
Enter the required details.
5.
Click Submit.
The system displays the Add Beneficiary - Internal Transfer – Verify screen.
OR
Click Cancel to view the previous screen.
6.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the Acknowledgement screen for the transaction.
7.
Click Pay Now.
The system displays the Internal Transfer initiation screen.
8.
Click OK.
The system displays the initial Add Beneficiary - Internal Transaction Type screen.
29.2 Add Quick /Direct Pay Beneficiary- Domestic Transfer
You can create a beneficiary for internal transfer and initiate the payment.
To add a beneficiary for internal transfer
1.
Click More > Transfers > Manage Beneficiary > Direct /Quick Pay Beneficiaries.
The system displays the Choose Beneficiary screen.
2.
Click the Add Beneficiary
button on the Choose Beneficiary screen.
The system displays the Add Beneficiary screen.
3.
Click Domestic as the beneficiary type.
The system displays the Domestic Transaction Type screen.
4.
Select the required domestic transaction type.
Select Deposit to Account.
OR
Select Receive Over Counter.
For example, select Deposit to Account domestic transaction type.
The system displays the Add Beneficiary Domestic – Deposit to Account screen.
Add Beneficiary - Domestic – Deposit to Account
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Beneficiary
Maintenance
Field Description
Field Name
Description
Beneficiary Details
Name
[Mandatory, Input box, 35]
Enter the name of the beneficiary for the transfer.
Nick Name
[Mandatory, Input box, 10]
Enter the nickname of the beneficiary.
Account Number
[Mandatory, Input box, 20]
Enter the account number of the beneficiary for the transfer.
This field is displayed only if you select Deposit to Account as the
domestic transaction type in the Domestic Transaction Type
screen.
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Beneficiary
Field Name
Address
Maintenance
Description
[Mandatory, Input box, 34x2]
Enter the address of the beneficiary.
This field is displayed only if you select Receive over Counter as
the domestic transaction type in the Domestic Transaction Type
screen.
City
[Mandatory, Input box, 35]
Enter the city of the beneficiary.
This field is displayed only if you select Receive over Counter as
the domestic transaction type in the Domestic Transaction Type
screen.
Email
[Mandatory, Input box, 255]
Enter the e-mail address of the beneficiary for the transfer.
Identification Type
[Conditional, Dropdown]
Select the Identification document for receiving the funds at
counter
This field is displayed only if you select Receive over Counter as
the domestic transaction type in the Domestic Transaction Type
screen.
Identification Reference [Conditional, Input box, 35]
Number
Enter the reference number of the Identification document for
receiving the funds at counter
This field is displayed only if you select Receive over Counter as
the domestic transaction type in the Domestic Transaction Type
screen.
Transfer Mode
Choose Network
[Mandatory, Radio button]
Select the processing mode through which transaction should be
completed.
Bank Code
[Display, Lookup]
This field displays the clearing code of the bank.
Click the Lookup button to search and select the National Clearing
Code of the bank.
Visibility
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Beneficiary
Field Name
Visibility
Maintenance
Description
[Mandatory, Dropdown]
Select the visibility of the beneficiary in the application.
The options are:

Public

Private
5.
Enter the required details.
6.
Click Submit.
The system displays the Add Beneficiary – Domestic Transaction Type – Verify screen.
OR
Click Cancel to view the previous screen.
Add Beneficiary – Domestic Transaction Type – Verify
7.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the Acknowledgement screen for the transaction.
8.
Click Pay Now.
The system displays the Domestic Transfer initiation screen.
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Beneficiary
9.
Maintenance
Click OK.
The system displays the initial Add Beneficiary screen.
29.3 Add Quick /Direct Pay Beneficiary- International Transfer
You can create a beneficiary for international transfer and initiate the payment.
To add a beneficiary for international transfer
1.
Click More > Transfers > Manage Beneficiary > Direct /Quick Pay Beneficiaries.
The system displays the Choose Beneficiary screen.
2.
Click the Add Beneficiary
button on the Choose Beneficiary screen.
The system displays the Add Beneficiary screen.
3.
Click International as the beneficiary type.
The system displays the International Transaction Type screen.
4.
Select the required international transaction type.
Select Deposit to Account.
OR
Select Receive Over Counter.
For example, select Deposit to Account International transaction type.
The system displays the Add Beneficiary- Domestic to Account screen.
Add Beneficiary - Domestic – Deposit to Account
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Beneficiary
Maintenance
Field Description
Field Name
Description
Beneficiary Info
Beneficiary Name
[Mandatory, Input box, 35]
Enter the name of the beneficiary for the transfer.
Beneficiary Nick Name
[Mandatory, Input box, 10]
Enter the nickname of the beneficiary.
Beneficiary Account
Number
[Mandatory, Input box, 20]
Enter the account number of the beneficiary for the transfer.
This field is displayed only if you select Deposit to Account as the
domestic transaction type in the International Transaction Type
screen.
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Beneficiary
Field Name
Beneficiary Address
Maintenance
Description
[Mandatory, Input box, 34x2]
Enter the address of the beneficiary.
This field is displayed only if you select Receive over Counter as
the domestic transaction type in the International Transaction
Type screen.
Beneficiary City
[Mandatory, Input box, 35]
Enter the city of the beneficiary.
This field is displayed only if you select Receive over Counter as
the domestic transaction type in the International Transaction
Type screen.
Beneficiary Country
[Mandatory, Input box, 35]
Enter the city of the beneficiary.
This field is displayed only if you select Receive over Counter as
the domestic transaction type in the International Transaction
Type screen.
Beneficiary Email
[Mandatory, Input box, 255]
Enter the e-mail address of the beneficiary for the transfer.
Transfer Mode
[Mandatory, Dropdown]
Select the mode of transfer of funds for the beneficiary.
The options are:

SWIFT

National Clearing Code

Bank Details
SWIFT Code
This field is displayed only if you select SWIFT in the Transfer
Mode dropdown.
SWIFT Code
[Conditional, Input box, 11]
Select the SWIFT code to transfer the funds.
This field is displayed only if you select Swift Code in the Transfer
Mode dropdown.
National Clearing Code These fields are displayed only if you select National Clearing
Code in the Transfer Mode dropdown.
National Clearing Code [Conditional, Dropdown]
Type
Select the clearing system for the transfer of funds for the
beneficiary.
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Beneficiary
Field Name
Maintenance
Description
National Clearing Code [Conditional, Input box, Lookup]
This field displays the clearing code of the bank.
Click the Lookup button to search and select the National clearing
code of the bank
Bank Details
Bank Name
Bank Address
Bank City
Bank Country
These fields are displayed only if you select Bank Details in the
Transfer Mode dropdown.
[Conditional, Input box, 35]
Enter the name of the beneficiary bank.
[Conditional, Input box, 35x2]
Enter the address of the beneficiary bank.
[Conditional, Input box, 35]
Enter the city of the beneficiary bank.
[Conditional, Input box, 35]
Enter the country of the beneficiary bank.
Visibility
Select Visibility
[Mandatory, Dropdown]
Select the visibility of the beneficiary in the application.
The options are:

Public

Private
5.
Enter the required details.
6.
Click Submit.
The system displays the Add Beneficiary – International Transaction Type – Verify screen.
OR
Click Cancel to view the previous screen.
Add Beneficiary – International Transaction Type – Verify
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Beneficiary
7.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the Acknowledgement screen for the transaction.
8.
Click Pay Now.
The system displays the International Transfer initiation screen.
9.
Click OK.
The system displays the initial Add Beneficiary screen.
Maintenance
29.4 View and Modify Beneficiary
You can view, update or delete existing beneficiaries in the application.
To view and modify a beneficiary
1.
Click More > Transfers > Manage Beneficiary > Direct /Quick Pay Beneficiaries.
The system displays the Choose Beneficiary screen.
Choose Beneficiary
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Beneficiary
Maintenance
Field Description
Field Name
Beneficiary Nickname
Description
[Display]
This field displays the nickname of the beneficiary in the
application.
Beneficiary Name
[Display]
This field displays the name of the beneficiary.
Beneficiary Bank Branch [Display]
This field displays the bank branch of the beneficiary.
Beneficiary Account
Number
[Display]
Beneficiary Email
[Display]
This field displays the account number of the beneficiary.
This field displays the e-mail address of the beneficiary.
Visibility
[Display]
This field displays the beneficiary visibility in the application.
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Beneficiary
2.
Maintenance
Select the required beneficiary.
The system displays the details of the selected beneficiary.
The fields displayed depend on the type of the beneficiary.
Note: You can also search for the name of the beneficiary in the Search field on the Choose Beneficiary
screen
Beneficiary
3.
Click Edit.
4.
Modify the relevant details and then click Update.
The system displays the Verify screen for the selected beneficiary.
5.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the Acknowledgement screen for the transaction.
To delete a beneficiary
1.
Click More > Transfers > Manage Beneficiary > Direct /Quick Pay Beneficiaries.
The system displays the Choose Beneficiary screen.
2.
Select the required beneficiary.
The system displays the details of the selected beneficiary.
The fields displayed depend on the type of the beneficiary.
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Beneficiary
Maintenance
3.
Click Delete.
The system displays the Verify screen to delete the selected beneficiary.
OR
Click Back to view the previous screen.
4.
Click Delete to confirm the deletion of the required beneficiary from the application.
The system displays the Acknowledgement screen for the deletion of the beneficiary.
OR
Click Cancel to view the previous screen.
29.5 Add a Beneficiary for Peer to Peer Payment
You can add a beneficiary for Peer to Peer (P2P) payment in the application.
To add a beneficiary for peer to peer payment
1.
Click More > Transfers > Proximity Pay > P2P Transfer.
The system displays the Peer to Peer Payments screen.
Peer to Peer Payments
2.
Click the Lookup icon in the Pay field.
The system displays the Add Beneficiary screen for peer to peer payment.
Add Beneficiary
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Beneficiary
Maintenance
Field Description
Field Name
Name
Description
[Mandatory, Input box , 1-40]
Enter the name of the beneficiary.
Contact type
[Optional, Dropdown]
Select the contact type of the receiver.
The options are:

E-mail

Mobile Number
Email address/ Contact [Mandatory, Input box , 1-40]
Number
Enter the e-mail address of the beneficiary.
Photo
[Optional, Image]
Click this field to open the Images folder on your device and set
an image for the beneficiary.
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Beneficiary
Maintenance
3.
Enter the required details.
4.
Click Submit.
The system displays the Acknowledgement screen for adding the beneficiary for P2P payment.
OR
Click Cancel to view the previous screen.
Acknowledgement
5.
Click Pay Now.
The system displays the initial P2P Payment screen.
OR
Click Add New.
The system displays the new registration screen for a P2P beneficiary.
OR
Click OK.
The system displays the dashboard of the application.
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Direct / Quick Pay
30. Direct / Quick Pay
You can make payments to beneficiaries already registered in the application, while entering
minimum details in the screen, hence making the payments in less time. You can make instant
internal, domestic and international payments to the existing beneficiary, using the transfer mode
configured for the beneficiary.
Note: Please refer to the Beneficiary Maintenance section for details for adding a beneficiary to the
application.
To make a quick payment to an existing beneficiary
1.
Click Transfers on the dashboard of the application.
OR
Click More > Transfers > Quick Pay > Quick Pay.
The system displays the Quick Pay screen.
Quick Pay Select Beneficiary
217
Direct
/ Quick Pay
Field Description
Field Name
Description
Beneficiary Nick
Name
[Display]
Beneficiary
Account Number
[Display]
Transfer Mode
[Display]
This field displays the nickname of the beneficiary.
This field displays the account number of the beneficiary.
This field displays the transfer mode, internal, international or
domestic.
2.
Select any desired Beneficiary.
The system displays the Beneficiary Info page.
Quick Pay - Beneficiary Info
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Direct
/ Quick Pay
Field Description
Field Name
Description
The fields displayed depend on the type of beneficiary
Beneficiary Name
[Display]
This field displays the name of the beneficiary.
Beneficiary
Account Number
[Display]
Beneficiary
Branch
[Display]
Bank Name
[Display]
This field displays the account number of the beneficiary.
This field displays the bank branch where the beneficiary account
is held.
This field displays the name of the bank branch where the
beneficiary account is held.
Bank Address
[Display]
This field displays the address of the beneficiary bank.
Address
[Display]
This field displays the address of the beneficiary.
City
[Display]
This field displays the city of the beneficiary.
Country
[Display]
This field displays the country of the beneficiary.
Transfer Type
[Display]
This field displays the transfer type of the beneficiary.
SWIFT Code
[Display]
This field displays the SWIFT code in case in case SWIFT code
selected during registration of the beneficiary.
National Clearing
Code Type
[Display]
National Clearing
Code
[Display]
This field displays the National Clearing Type in case in case
National Clearing Type selected during registration of the
beneficiary.
This field displays the National Clearing Code in case in case
National Clearing Code is selected during registration of the
beneficiary.
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Direct
3.
/ Quick Pay
Click Next.
The system displays the Transfer page
Transfer
Field Description
Field Name
Description
Source
From Account
[Mandatory, Dropdown, Typo-search]
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
Amount
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Direct
Field Name
Description
Currency
[Mandatory, Dropdown]
/ Quick Pay
Select the desired currency type from the dropdown.
Payment Details
[Conditional, Dropdown]
Select the payment details for the transfer (if required)
This field is mandatory if the transfer mode of the beneficiary is
International Transfer.
Correspondence
Charges
[Conditional, Dropdown]
Select the party bearing the charges for transaction.
This field is mandatory if the transfer mode of the beneficiary is
International Transfer.
Transfer Amount
[Mandatory, Numeric, Input Box, 15]
Enter the desired amount for the fund transfer.
Purpose of
Remittance
[Display]
This field displays the description of selected purpose of
remittance.
This field is displayed only if the transfer mode of the beneficiary is
Domestic Transfer or Internal Transfer.
Description
[Optional, Input Box, 35]
Enter the narration relevant to the transfer.
Date
[Mandatory, Input box, 10]
Enter the date of the fund transfer.
By default, the current date is displayed.
4.
Enter the relevant details in the appropriate fields.
5.
Click Pay Now.
OR
Click Pay On and select the date for the fund transfers.
OR
Click Pay Periodically to setup the Standing Instructions for funds payment at a later date.
The system displays the Quick Pay Verify screen.
Note: The payment options available depend on the transfer mode of the beneficiary (domestic, internal,
or international transfer).
View the Payment Options section in this User Manual for more information on the payment options.
Quick Pay Verify
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Direct
6.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference of the payment details.
7.
Click Email icon to email the details.
8.
Click Save icon to save the details.
/ Quick Pay
Quick Pay Confirm
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Direct
9.
/ Quick Pay
Click Ok.
The system displays the initial Quick Pay screen.
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Own Account Transfer
31. Own Account Transfer
You can make payments to transfer funds from one of your accounts with the bank to another
own account with the bank from the application. You can transfer funds between accounts
mapped to your Customer ID in the application. You can carry out this transaction for both
Conventional as well as Islamic CASA accounts.
To make fund transfer to own account
1.
Click More > Transfers > Direct Pay > Own Account Transfer.
The system displays the Own Account Transfer screen.
Own Account Transfer
Field Description
Field Name
Description
Own Account Transfer
Pay
224
Own
Field Name
Description
To Account
[Dropdown]
Account Transfer
Select the appropriate Account Number from the dropdown to
which the amount is to be transferred.
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
Amount
[Mandatory, Numeric, Input Box, 15]
Enter the desired amount.
Narrative
[Optional, Input Box, 35]
Enter the desired description relevant to the transfer.
2.
Enter the relevant details in the appropriate fields.
3.
Click Pay Now.
OR
Click Pay On and select the date for transfer of funds.
OR
Click Pay Periodically to setup the Standing Instructions for funds payment at a later date.
The system displays the Own Account Transfer Verify screen.
Note: View the Payment Options section in this User Manual for more information on the payment
options.
Own Account Transfer Verify
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Own
Account Transfer
4.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the Transaction Password screen.
5.
Enter the transaction password and then click OK.
The system displays the Own Account Transfer Confirm screen with the transaction reference of
the transaction.
Note: View the Transaction Password section in this User Manual for more information on entering the
transaction password.
Own Account Transfer Confirm
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Own
6.
Click Email icon to email the details.
7.
Click Save icon to save the details.
8.
Click Ok.
The system displays the initial Own Account Transfer screen.
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Domestic
Transfer
32. Domestic Transfer
You can transfer funds from your own bank account held to an account with another bank using
the country’s domestic clearing network. You can make a domestic transfer of funds to a
registered or unregistered beneficiary in the application. You can make a domestic transfer of
funds over the counter.
To make the domestic account transfer
1.
Click More > Transfers > Direct Pay > Domestic Transfer.
The system displays the Transfer To dropdown in the Domestic Transfer screen.
Field Description
Field Name
Description
Transfer To
[Mandatory, Dropdown]
Select the option to make payment to registered beneficiary or
initiate new transaction.
The options are:

Transfer To Registered Beneficiary

Make a New Payment
By default, the system displays the Transfer to Registered
Beneficiary option.
Funds Delivery
Mode
[Conditional, Dropdown]
Select the destination account type of the beneficiary.
The options are:

Receive over Counter

Deposit to Account
This field is displayed only if you select the Make a New Payment
option in the Transfer To field.
2.
Select the required options and then click Continue.
The system displays the Domestic Transfer screen.
For example, select the Transfer to Registered Beneficiary option in the Transfer To field.
The system displays the Domestic Transfer screen.
Domestic Transfer to Registered Beneficiary
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Domestic
Transfer
Field Description
Field Name
Description
Pay
These fields are displayed when you select the Transfer to
Registered Beneficiary option in the Transfer To field.
To Account
[Mandatory, Dropdown]
Select the account number of the registered beneficiary to whom
you want to transfer funds.
View Bene Details
[Hyperlink]
Click this link to view details of the registered beneficiary in a popup window.
The details include the name, address, city and bank of the
registered beneficiary.
Click the Close button to close the pop-up window.
From Account
[Mandatory, Dropdown]
Select your account from which you want to transfer funds.
Available Balance
[Display]
This field displays the available balance of the account from which
you want to transfer funds.
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Domestic
Field Name
Transfer
Description
Beneficiary Info
Beneficiary Name
[Mandatory, Input box, 35]
Enter the name of the beneficiary for the transfer.
This field is displayed when you select the Make a New Payment
option in the Transfer To field.
Beneficiary Account
Number
[Mandatory, Input box, 20]
Enter the account number of the beneficiary for the transfer.
This field is displayed when you select the Make a New Payment
option in the Transfer To field and then select the Deposit To
Account option in the Fund Delivery Mode field.
Beneficiary Nick Name [Mandatory, Input box, 10]
Enter the nickname of the beneficiary.
This field is displayed when you select the Make a New Payment
option in the Transfer To field and then select the Deposit To
Account option in the Fund Delivery Mode field.
Beneficiary Address
[Mandatory, Input box, 34x2]
Enter the address of the beneficiary.
This field is displayed when you select the Make a New Payment
option in the Transfer To field and then select the Receive over
Counter option in the Fund Delivery Mode field.
Beneficiary City
[Mandatory, Input box, 35]
Enter the city of the beneficiary.
This field is displayed when you select the Make a New Payment
option in the Transfer To field and then select the Receive over
Counter option in the Fund Delivery Mode field.
Beneficiary Email
[Mandatory, Input box, 40]
Enter the e-mail address of the beneficiary for the transfer.
Identification Type
[Conditional, Dropdown]
Select the Identification document for receiving the funds at
counter.
Identification Number
[Conditional, Dropdown]
Select the Identification document for receiving the funds at
counter.
These fields are displayed when you select the Make a New
Payment option in the Transfer To field and then select the
Receive over Counter option in the Fund Delivery Mode field.
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Domestic
Field Name
Beneficiary Bank Info
Choose Network
Transfer
Description
These fields are displayed when you select the Make a New
Payment option in the Transfer To field.
[Mandatory, Radio button]
Select the processing mode through which transaction should be
completed.
Bank Code
[Display, Lookup]
This field displays the clearing code of the bank.
Click the Lookup button to search and select the National clearing
code of the bank
Transfer Amount
[Mandatory, Input Box, 15]
Enter the amount you want to transfer to the beneficiary.
Currency
[Mandatory, Dropdown]
Select the currency of the amount you want to transfer.
Purpose
[Mandatory, Dropdown]
Select the purpose of remittance from the drop-down list.
Description of
Remittance Purpose
[Conditional, Input Box, 35]
Narrative
[Optional, Input box,35]
Enter the purpose of remittance if you have selected Others from
the Purpose drop-down list.
Enter the narrative for the transaction.
3.
Enter the relevant details in the appropriate fields.
4.
Click Pay Now.
OR
Click Pay On and select the date for transfer of funds.
OR
Click Pay Periodically to setup the Standing Instructions for funds payment at a later date.
The system displays the Domestic Transfer Verify screen.
Note: View the Payment Options section in this User Manual for more information on the payment
options.
Domestic Transfer Verify
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Domestic
5.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number of the transaction.
6.
Click Email icon to email the details.
7.
Click Save icon to save the details.
8.
Click Ok.
The system displays the initial Domestic Transfer screen.
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Transfer
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Internal
Transfer
33. Internal Transfer
You can transfer funds from your own bank account held to another account with the same bank.
You can make an internal transfer of funds to a registered beneficiary in the application. You can
also make a new payment of funds over the counter.
To make the internal account transfer
1.
Click More > Transfers > Direct Pay > Internal Transfer.
The system displays the Transfer To dropdown in the Internal Transfer screen.
Field Description
Field Name
Description
Transfer To
[Mandatory, Dropdown]
Select the option to make payment to registered beneficiary or
initiate new transaction.
The options are:

Transfer To Registered Beneficiary

Make a New Payment
By default, the system displays the Transfer to Registered
Beneficiary option.
2.
Select the required options and then click Continue.
The system displays the Internal Transfer screen.
For example, select the Transfer to Registered Beneficiary option in the Transfer To field.
The system displays the Internal Transfer screen.
Internal Transfer to Registered Beneficiary
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Internal
Transfer
Field Description
Field Name
Description
Pay
Select Beneficiary
[Mandatory, Dropdown]
Select the account number of the registered beneficiary to whom
you want to transfer funds.
View Bene Details
[Hyperlink]
Click this link to view details of the registered beneficiary in a popup window.
The details include the name, address, account number and bank
branch of the registered beneficiary.
Click the Close button to close the pop-up window.
These fields are displayed when you select the Transfer to
Registered Beneficiary option in the Transfer To field
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Internal
Field Name
Transfer
Description
Source
From Account
[Mandatory, Dropdown]
Select your account from which you want to transfer funds.
Account Balance
[Display]
This field displays the available balance of the account from which
you want to transfer funds.
Beneficiary Info
To Account
[Mandatory, Input box, 20]
Enter the account number of the beneficiary for the transfer.
Beneficiary Branch
[Mandatory Dropdown]
Select the bank branch in which the beneficiary account is present.
Beneficiary Email
[Mandatory, Input box, 40]
Enter the e-mail address of the beneficiary for the transfer.
These fields are displayed when you select the Make a New
Payment option in the Transfer To field.
Transfer
Amount
[Mandatory, Input Box, 15]
Enter the amount you want to transfer to the beneficiary.
Currency
[Mandatory, Dropdown]
Select the currency of the amount you want to transfer.
Purpose
[Mandatory, Dropdown]
Select the purpose of remittance from the drop-down list.
Description of
Remittance Purpose
[Conditional, Input Box, 35]
Narrative
[Optional, Input box,35]
Enter the purpose of remittance if you have selected Others from
the Purpose drop-down list.
Enter the narrative for the transaction.
3.
Enter the relevant details in the appropriate fields.
4.
Click Pay Now.
OR
Click Pay On and select the date for transfer of funds.
OR
Click Pay Periodically to setup the Standing Instructions for funds payment at a later date.
The system displays the Internal Transfer Verify screen.
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Internal
Transfer
Note: View the Payment Options section in this User Manual for more information on the payment
options.
Internal Transfer Verify
5.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number of the transaction.
6.
Click Email icon to email the details.
7.
Click Save icon to save the details.
8.
Click Ok.
The system displays the initial Internal Transfer screen.
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International
Transfer
34. International Transfer
You can transfer funds from one of your accounts to other bank account internationally. You can
make an international transfer of funds to an unregistered or registered beneficiary from the
application. You can also make an international transfer of funds over the counter.
To make the international account transfer
1.
Click More > Transfers > Direct Pay > International Transfer.
The system displays the Transfer To dropdown in the International Transfer screen.
Field Description
Field Name
Description
Transfer To
[Mandatory, Dropdown]
Select the option to make payment to registered beneficiary or
initiate new transaction.
The options are:

Transfer To Registered Beneficiary

Make a New Payment
By default, the system displays the Transfer to Registered
Beneficiary option.
Funds Delivery
Mode
[Conditional, Dropdown]
Select the destination account type of the beneficiary.
The options are:

Receive over Counter

Deposit to Account
This field is displayed only if you select the Make a New Payment
option in the Transfer To field.
2.
Select the required options and then click Continue.
For example, select the Transfer to Registered Beneficiary option in the Transfer To field.
The system displays the International Transfer screen.
International Transfer to Registered Beneficiary
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International
Transfer
Field Description
Field Name
Description
Pay
To Account
[Mandatory, Dropdown]
Select the account number of the registered beneficiary to whom
you want to transfer funds.
View Bene Details
[Hyperlink]
Click this link to view details of the registered beneficiary in a popup window.
The details include the name, account number and bank of the
registered beneficiary.
Click the Close button to close the pop-up window.
These fields are displayed when you select the Transfer to
Registered Beneficiary option in the Transfer To field.
Source
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International
Field Name
Description
From Account
[Mandatory, Dropdown]
Transfer
Select your account from which you want to transfer funds.
Available Balance
[Display]
This field displays the available balance of the account from which
you want to transfer funds.
Beneficiary Info
Beneficiary Name
[Mandatory, Input box, 35]
Enter the name of the beneficiary for the transfer.
This field is displayed when you select the Make a New Payment
option in the Transfer To field.
Beneficiary Email
[Mandatory, Input box, 40]
Enter the e-mail address of the beneficiary for the transfer.
This field is displayed when you select the Make a New Payment
option in the Transfer To field.
Address
[Mandatory, Input box, 34x2]
Enter the address of the beneficiary.
City
[Mandatory, Input box, 34x2]
Enter the city of the beneficiary.
Country
[Mandatory, Dropdown]
Select the country of the beneficiary.
These fields are displayed when you select the Make a New
Payment option in the Transfer To field and then select the
Receive over Counter option in the Fund Delivery Mode field.
Account Number
[Mandatory, Input box, 20]
Enter the account number of the beneficiary for the transfer.
This field is displayed when you select the Make a New Payment
option in the Transfer To field and then select the Deposit To
Account option in the Fund Delivery Mode field.
Transfer Mode
These fields are displayed when you select the Make a New
Payment option in the Transfer To field.
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International
Field Name
Transfer Mode
Transfer
Description
[Mandatory, Dropdown]
Select the mode of transfer of funds for the beneficiary.
The options are:

SWIFT

National Clearing Code

Bank Details
Swift Code
This field is displayed only if you select SWIFT in the Transfer
Mode dropdown.
Swift Code
[Conditional, Input box, 11]
Select the SWIFT code to transfer the funds.
National Clearing Code These fields are displayed only if you select National Clearing
Code in the Transfer Mode dropdown.
National Clearing Code [Conditional, Dropdown]
Type
Select the clearing system for the transfer of funds for the
beneficiary.
National Clearing Code [Conditional, Input box, Lookup]
This field displays the clearing code of the bank.
Click the Lookup button to search and select the National clearing
code of the bank
Bank Details
Bank Name
Bank Address
Bank City
Bank Country
These fields are displayed only if you select Bank Details in the
Transfer Mode dropdown.
[Conditional, Input box, 35]
Enter the name of the beneficiary bank.
[Conditional, Input box, 35x2]
Enter the address of the beneficiary bank.
[Conditional, Input box, 35]
Enter the city of the beneficiary bank.
[Conditional, Input box, 35]
Enter the country of the beneficiary bank.
Transfer
Amount
[Mandatory, Input Box, 15]
Enter the amount you want to transfer to the beneficiary.
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International
Field Name
Currency
Transfer
Description
[Mandatory, Dropdown]
Select the currency of the amount you want to transfer.
Payment Details 1
[Mandatory, Dropdown]
Select the payment details for the fund transfer.
Payment Details 2
[Optional, Input box, 35]
Enter the other payment details, if any, for the fund transfer.
Correspondence
Charges
[Mandatory ,Dropdown]
Narrative
[Optional, Input box,35]
Select the party bearing the charges for transaction.
Enter the narrative for the transaction.
3.
Enter the relevant details in the appropriate fields.
4.
Click Pay Now.
OR
Click Pay On and select the date for transfer of funds.
OR
Click Pay Periodically to setup the Standing Instructions for funds payment at a later date.
The system displays the International Transfer Verify screen.
Note: View the Payment Options section in this User Manual for more information on the payment
options.
International Transfer Verify
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International
5.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number of the transaction.
6.
Click Email icon to email the details.
7.
Click Save icon to save the details.
8.
Click Ok.
The system displays the initial International Transfer screen.
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Scheduled Transfers
35. Scheduled Transfers
You can to view your pending transfers and standing instructions for all transactions in the
application. You can also cancel the pending transfers and standing instructions for all
transactions in the application.
To view scheduled payments
1.
Click More > Transfers > Schedule Payments > Scheduled Payments.
The system displays the Scheduled Payments screen.
Scheduled Payments
Field Description
Field Name
Description
Select Your Account
[Mandatory, Dropdown]
Select the account number you wish to see scheduled payments.
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Scheduled Transfers
Field Name
Description
Transfer Mode
[Mandatory, Dropdown]
Select the transfer mode of payments.
The options are:

International

Domestic

Within Bank
2.
Select your account and mode of transfer.
3.
Click Continue.
The system displays the Scheduled Payments –Search Results screen.
OR
Click Cancel.
The system displays the dashboard of the application.
Schedule Payments – Search Results
Field Description
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Scheduled Transfers
Field Name
Description
Reference No.
[Display]
This field displays the transaction reference number.
Date
[Display]
This field displays the First execution date in case of Standing
instruction or the execution date in case of future dated transfer.
Transfer
Instruction
[Display]
Amount
[Display]
This field displays the instruction set on the account for transaction i.e.
Standing instruction or Pending Transfer.
This field displays the transaction amount with currency.
4.
Click the required transaction.
The system displays the scheduled payment and details of the selected transaction.
Schedule Payment Details
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Scheduled Transfers
Field Description
Field Name
Description
Source Account
[Display]
This field displays the source account for the standing instruction.
Destination
Account
[Display]
Start Date
[Display]
This field displays the destination account for the standing
instruction.
This field displays the start date of the standing instruction.
End Date
[Display]
This field displays the end date of the standing instruction.
Frequency
[Display]
This field displays the frequency of the standing instruction.
Transfer Amount
[Display]
This field displays the transfer amount (along with currency) for the
standing instruction.
Reference No
[Display]
This field displays the reference number for the standing
instruction.
Transfer
Instruction
[Display]
Transfer Mode
[Display]
This field displays the standing instruction for the transfer.
This field displays the mode of transfer for the standing instruction.
Status
[Display]
This field displays the status of the standing instruction.
Narrative
[Display]
This field displays the narrative for the standing instruction.
5.
Click the Cancel This Transaction button if you want to cancel the selected standing instruction
or pending transfer.
The system displays Schedule Payment – Cancel Pending Transfer – Verify screen.
Schedule Payment – Cancel Standing Instruction Verify
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Scheduled Transfers
6.
Click Ok if you want to confirm the cancellation of the selected scheduled transfer.
The system displays the acknowledgement screen for cancellation.
OR
Click Cancel.
The system displays the previous screen.
7.
Click the Ok button on the acknowledgement screen.
The system displays the initial Schedule Transfer Result screen.
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P2P
Transfer
36. P2P Transfer
36.1 Register for P2P Transfer
You have to register for Peer to Peer (P2P) transfer in the application. You must register an
account mapped to your User ID in the application for P2P payments.
You can also register for P2P transfer by entering a security code.
If you are an unregistered user of the application, you must first register for the application, before
registering for P2P transfer.
To register for P2P transfer without logging in the application
1.
Click the Receive Payments panel on the login page of the application.
The system displays the Security Code screen.
Security Code
Field Description
Field Name
Description
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P2P
Field Name
Description
Mode to which
payment is
received
[Mandatory, tab]
Transfer
Select the mode of the receiving payments.
The options are:
Email
Mobile
Facebook
Security code
[Mandatory, Input box, 5-8]
Enter the code as entered by the senders while sending the
payment.
Mobile Number
[Mandatory, Input box, 50]
Enter the mobile number as entered by the senders while sending
the payment.
Email ID
[Mandatory, Input box, 50]
Enter the email address as entered by the senders while sending
the payment.
2.
Enter the relevant details in the appropriate fields.
3.
Click Submit.
The system validates the email id and the security code, and then displays the screen for
registration process for receivers of P2P transfer who are non-existing users of the bank.
OR
Click Cancel to view the login page of the application.
Registration process for receivers of P2P transfer - non-existing users of the bank
Field Description
Field Name
Description
Personal Details
First Name
[Mandatory, Input box, 1-20]
Enter your first name.
Last Name
[Mandatory, Input box, 1-20]
Enter your last name.
Email Id/ User Id
[Mandatory, Input box, 40, Display]
Enter your email address name.
This field displays your User ID in the application if you are a
registered user of the bank and want to register for P2P transfer.
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P2P
Field Name
Description
Mobile Number
[Optional, Input box, 15, Display]
Transfer
Enter your mobile number.
This field displays the contact number if the P2P payment is made
to contact number.
Password
[Mandatory, Input box]
Enter the password that you want for the application.
Re-enter
Password
[Mandatory, Input box]
Re-enter the password that you want for the application for
verification.
Bank Account
Details
Select Account
Type
[Mandatory, tab]
Select the account type within bank or with other bank.
The options are:

Account within Bank

Account with other bank
Enter Account
Number
[Mandatory, Input box, 1-16]
Bank Code
[Mandatory, Input box, 1-20, Lookup]
Enter the account number to receive funds.
Enter the bank code of the receiver’s bank.
Click the Lookup icon to search and select the required bank code.
Bank Name
[Mandatory, Input box, 1-20, Display]
Enter the bank to which the receiving account belongs to.
Address
[Mandatory, Input box, 50, Display]
Enter the address of the bank with the receiving account.
4.
Click Submit.
The system displays the screens for verification and confirmation for the registration.
OR
Click Cancel to close the screen without registering the account.
To register for P2P transfer from the application
1.
Login to the Android based application.
2.
Click More > Transfers > Manage Beneficiary > P2P Beneficiaries.
The system displays the Get On Boarded screen.
Get On Boarded
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P2P
Transfer
Field Description
Field Name
Description
Register/Security
Code
[Mandatory, Tab]
Select the required tab to register for P2P transfer with or without
using security code.
Select Account
Number
[Mandatory, Dropdown]
Mode to which
payment is
received
[Mandatory, tab]
Select the account number to receive funds.
Select the mode of the receiving payments.
The options are:
Email
Mobile
Facebook
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P2P
Field Name
Description
Security code
[Mandatory, Input box, 5-8]
Transfer
Enter the code as entered by the senders while sending the
payment.
Mobile Number
[Display]
This field displays your mobile number as present in the
application.
Email Id
[Display
This field displays the e-mail as present in the application.
3.
Click Continue.
The system displays the screens for verification and confirmation for the registration.
OR
Click Cancel to view the previous screen.
36.2 P2P NFC Pay
You can transfer or receive funds from your account to another user of the same bank from the
application using NFC (Near Field Communication) technology. The transfer of funds with P2P
NFC based payment is possible if both the sender and receiver involved have NFC based
devices and have given mutual consent for the transfer.
Note: Pease refer to the Add a P2P Beneficiary subsection in the Beneficiary Maintenance section in
this User Manual for more information on adding a peer-to-peer beneficiary in the application.
1.
Click More > Transfers > Proximity Pay > P2P – NFC Pay.
The system displays Proximity Pay-NFC screen.
Proximity Pay-NFC
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P2P
Transfer
To transfer funds with NFC technology
2.
Click Send Money to transfer funds.
The system displays the screen to transfer funds with NFC technology.
P2P –NFC – Send Money
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P2P
Transfer
Field Description
Field Name
Description
Source
From Account
[Mandatory, Dropdown]
Select the appropriate account from which the amount is to be
transferred.
Available Balance
[Display]
Displays the available balance for the selected source account.
Transfer
Amount
[Mandatory, Numeric, Input Box, 1-15]
Enter the amount that you want to transfer.
Currency
[Mandatory, Dropdown]
Select the currency of the amount that you want to transfer.
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P2P
Field Name
Description
Narrative
[Optional, Input Box, 35]
Transfer
Enter the desired narrative relevant to the transfer.
3.
Enter the appropriate details in the respective fields.
4.
Click Start NFC button.
The system displays the NFC screen.
Once the process is completed, the system displays the Pay Now button on the screen.
OR
Click the Back button to view the previous screen.
NFC
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P2P
Transfer
P2P –NFC – Send Money NDEF Message Received
5.
Click Pay Now.
The system displays the P2P –NFC – Send Money Verify screen.
P2P –NFC – Send Money Verify
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P2P
6.
Transfer
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the P2P –NFC – Send Money Confirm screen with the transaction reference
of the transaction.
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P2P
Transfer
P2P –NFC – Send Money Confirm
7.
Click Ok.
The system displays the initial Proximity Pay-NFC screen.
To receive funds with a NFC technology
1.
Click Receive Money to receive funds.
The system displays the screen to receive funds with NFC technology.
P2P –NFC – Receive Money
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P2P
Transfer
Field Description
Field Name
Description
Source
From Account
[Dropdown]
Select the desired source account from the dropdown.
Available Balance
[Display]
This field displays the available balance for the selected source
account.
2.
Enter the appropriate details in the respective fields.
3.
Click the Received button.
The NFC gets started.
OR
Click the Back button to view the previous screen.
4.
Ensure that your device is closer to sender’s device to receive money.
The system submits the account information of the receiver into the system and then on initiating
the contact the system passes the account information to the sender’s device.
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P2P
Transfer
36.3 P2P Payment
You can make P2P (peer to peer) payments in the application to beneficiaries listed in the
application, to contacts stored in your device or to your Facebook contacts. You can also make
P2P payments to beneficiaries with known e-mail addresses or contact numbers.
Note: Pease refer to the Add a P2P Beneficiary subsection in the Beneficiary Maintenance section in
this User Manual for more information on adding a peer-to-peer beneficiary in the application.
To make a P2P transfer
1.
Click More > Transfers > Proximity Pay > P2P Transfer.
The system displays the Peer to Peer Payments screen.
Peer to Peer Payments
Field Description
Field Name
Description
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P2P
Field Name
Description
Select ID Type
[Mandatory, Dropdown]
Transfer
Select the type of ID of the beneficiary to whom you want to make a
P2P payment.
The options are:
Pay

Facebook

Email

Mobile
[Display/ Input box, 40 / Look up]
Enter the email address or the contact number of the beneficiary
Click Look-up icon to search for the desired name of the P2P
beneficiary.
Select the required beneficiary and then click Close.
Depending upon the selected ID Type, the system displays the
respective details of the beneficiary.
From
Select your
Account
[Mandatory, Dropdown]
Balance
[Display]
Select the account from dropdown from which you want to make the
payment.
This field displays the available balance for the selected source
account.
Amount
[Mandatory, Input Box, 1-15]
Enter the amount to be transferred.
Currency
[Mandatory, Dropdown]
Select the currency for the transfer of funds.
2.
Click Pay Now.
OR
Click Pay On and select the date for transfer of funds.
The system displays the P2P Transfer Verify screen.
Note: View the Payment Options section in this User Manual for more information on the payment
options.
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P2P
Transfer
P2P Transfer Verify
3.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the P2P Transfer Confirm screen with the transaction reference of the
transaction.
4.
Click Email icon to email the details.
5.
Click Save icon to save the details.
6.
Click Ok.
The system displays the initial Peer to Peer Payments screen.
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P2P
Transfer
36.4 P2P-QR Pay
You can make P2P payments in the application using QR codes (Quick Response Codes).
You can transfer funds from your account to another user of the same bank in the application by
scanning a QR code. You can scan QR code from any flat surface and read the beneficiary
account details.
The receiver of the P2P QR code based payment can generate the QR code by specifying the
credit account number. The receiver can also print and download the QR code for future
reference.
When sending funds, once you scan the QR code from the camera of the device, the application
identifies the beneficiary account details and initiates the transfer.
Note: Pease refer to the Add a P2P Beneficiary subsection in the Beneficiary Maintenance section in
this User Manual for more information on adding a peer-to-peer beneficiary in the application.
To make a P2P- QR code based payment
1.
Click More > Transfers > Proximity Pay > P2P – QR Pay.
The system displays Proximity Pay-QR screen.
Proximity Pay-QR
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P2P
Transfer
To transfer funds with a QR code
1.
Click Send Money to transfer funds.
The system displays the screen to transfer funds with QR code.
P2P –QR – Send Money
Field Description
Field Name
Description
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 selected source account.
Transfer
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P2P
Field Name
Description
Amount
[Mandatory, Numeric, Input Box, 15]
Transfer
Enter the amount that you want to transfer.
Currency
[Dropdown]
Select the currency of the amount that you want to transfer.
Narrative
[Optional, Input Box, 50]
Enter the desired narrative relevant to the transfer.
Set As Default
[Optional, Checkbox]
Select this checkbox to set selected account as default account for
the transaction.
You can set only one account as the default for the transaction.
This field is not displayed if you have already set another account
as the default.
2.
Enter the appropriate details in the respective fields.
3.
Click Start Scan button.
The device camera is enabled and search for the QR Code to read the beneficiary account
details.
Once QR Code is detected, the system displays the Pay Now button on the screen.
OR
Click the Back button to view the previous screen
P2P –QR – Send Money QR Code Scanned
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P2P
4.
Transfer
Click Pay Now.
The system displays the P2P –QR – Send Money Verify screen.
P2P –QR – Send Money Verify
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P2P
5.
Transfer
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the P2P –QR – Send Money Confirm screen with the transaction reference
of the transaction.
P2P –QR – Send Money Confirm
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P2P
6.
Click Email icon to email the details.
7.
Click Save icon to save the details.
8.
Click Ok.
The system displays the initial Proximity Pay-QR screen.
Transfer
To receive funds with a QR code
1.
Click Receive Money to receive funds.
The system displays the screen to receive funds with QR code.
P2P –QR – Receive Money
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P2P
Transfer
Field Description
Field Name
Description
Source
From Account
[Dropdown]
Select the desired source account from the dropdown.
Available Balance
[Display]
This field displays the available balance for the selected source
account.
2.
Enter the appropriate details in the respective fields.
3.
Click the Generate button.
The system generates and displays the QR code and also displays the source account number
on the screen.
OR
Click the Back button to view the previous screen.
P2P –QR – Receive Money 2
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P2P
4.
Transfer
Click Save to save the QR code.
36.5 Receive P2P Payments
You can receive P2P payments received without logging in the application.
You must either register for the application or enter a security code to receive the P2P payments.
36.6 P2P Activity
You can view the recent P2P payments received in your account.
You can also modify, or unsubscribe your account which is registered for Peer –to – Peer
Payment in the application.
To view received P2P payments from the application
1.
Click More > Transfers > Proximity Pay > P2PActivity.
The system displays the Received Payment screen.
Received Payments
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P2P
Transfer
Field Description
Field Name
Description
Value Date
[Display]
This field displays the date on which payment has been received.
Transaction Type
[Display]
This field displays the type of transaction.
Updated By
[Display]
This field displays the name of user who last updated the
transaction.
Created By
[Display]
This field displays the name of user who initiated the transaction.
Host Reference
Number
[Display]
This field displays the host reference number of the transaction.
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P2P
2.
Transfer
Click any transaction from the list you want to view. The system displays Detailed Received
Payment screen.
Received Payment Details
Field Description
Field Name
Description
Date
[Display]
This field displays the date on which transaction has been
generated.
Received
[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.
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P2P
Field Name
Description
Status
[Display]
Transfer
This field displays the current status of the transaction.
3.
Click Back.
The system displays the initial Received Payment screen.
To modify account registered for P2P payments
1.
Click More > Transfers > Proximity Pay > P2PActivity.
The system displays the Received Payments screen.
2.
Click the
3.
Click the Manage Profile button.
The system displays the Manage Profile screen.
icon on the Received Payments screen.
Manage Profile
Field Description
Field Name
Description
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P2P
Field Name
Description
Account Number
[Display]
Transfer
This field displays the account number to receive funds through
P2P transfer.
Bank Name
[Display]
This field displays the name of the bank where the account to
receive funds through P2P transfer is present.
Bank Code
[Display]
This field displays the code of the bank where the account to
receive funds through P2P transfer is present.
Address
[Display]
This field displays the address of the bank where the account to
receive funds through P2P transfer is present.
City
[Display]
This field displays the city of the bank where the account to
receive funds through P2P transfer is present.
Account Status
[Display]
This field displays whether the account to receive funds through
P2P transfer is verified.
4.
Click Modify.
The system displays the screen to modify your account which is registered for Peer –to – Peer
Payment.
OR
Click Cancel to view the previous screen.
Manage Profile – Modify
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P2P
Transfer
Field Description
Field Name
Description
Select Account
Number
[Mandatory, Dropdown]
Email
[Display]
Select the account number to receive funds through P2P transfer.
This field displays your e-mail address as present in the
application.
Mobile Number
[Display, Input box, 15]
This field displays your mobile number as present in the
application.
5.
Modify the relevant details and then click Submit.
The system displays the Manage Profile – Verify screen.
OR
Click Cancel to view the previous screen.
Manage Profile – Verify
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P2P
6.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the success message for updating the account for P2P transfer.
7.
Click OK.
The system displays the initial Manage Profile screen.
Transfer
To unsubscribe the account registered for P2P payments
1.
Click More > Transfers > Proximity Pay > P2PActivity.
The system displays the Received Payments screen.
2.
Click the
3.
Click the Unsubscribe Services button on the Received Payments screen.
The system displays the Unsubscribe screen.
icon on the Received Payments screen.
Unsubscribe Services
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P2P
Transfer
4.
Click Unsubscribe.
The system removes the account number registered for P2P payments and displays the success
message for updating the account for P2P transfer.
5.
Click OK.
The system displays the initial Receive Payments screen.
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Payment
Options
37. Payment Options
There are three types of payment options available in the application.

Pay Now

Pay Periodically

Pay On
The payment options displayed depend on the type of transfer of funds.
37.1 Pay Now
The Pay Now option enables you to make the immediate payment on the current date.
1.
Click More > Transfers from the Dashboard screen.
2.
Click any transfer transaction.
For example, click Own Account Transfer.
The system displays the Own Account Transfer screen.
Own Account Transfer
3.
Enter the appropriate details in the respective fields.
4.
Click Pay Now.
The system displays the Own Account Transfer Verify screen.
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Payment
Options
5.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the box showing the successful completion of the Own Account Transfer
and the Transaction Reference Number of the completed transaction.
6.
Click Email icon to email the details.
7.
Click Save icon to save the details.
8.
Click OK.
The system displays initial Own Account Transfer screen.
37.2 Pay Periodically
The Pay Periodically option enables you to make the payment on the periodic basis.
1.
Click More > Transfers from the Dashboard screen.
2.
Click any transfer transaction.
For example, click Own Account Transfer.
The system displays the Own Account Transfer screen.
Own Account Transfer
3.
Enter the appropriate details in the respective fields.
4.
Click Pay Periodically.
The system displays Pay Periodically screen.
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Payment
Options
Pay Periodically
Field Description
Field Name
Description
From Date
[Mandatory, Date-Picker]
Select the start date of the standing instruction for the payment.
To Date
[Mandatory, Date-Picker]
Select the end date of the standing instruction for the payment.
Frequency
[Mandatory, Dropdown]
Select the frequency of the standing instruction for the payment.
5.
Enter the required details.
6.
Click Cancel to view the previous screen or click Submit to view the Own Account Transfer
Verify screen.
7.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the box showing the successful completion of the Own Account Transfer
and the Transaction Reference Number of the completed transaction.
8.
Click Email icon to email the details.
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Payment
9.
Click Save icon to save the details.
10.
Click OK.
The system displays initial Own Account Transfer screen.
Options
37.3 Pay On
The Pay On option enables you to make the payment on the specific mentioned date.
1.
Click More > Transfers from the Dashboard screen.
2.
Click any transfer transaction.
3.
For example, click Own Account Transfer.
The system displays the Own Account Transfer screen.
Own Account Transfer
4.
Enter the appropriate details in the respective fields.
5.
Click Pay On.
The system displays the Select Date date-picker.
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Payment
Options
6.
Click Back to view the previous screen or select the required the date from the date picker and
then click Select.
The system displays the Own Account Transfer Verify screen.
7.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the box showing the successful completion of the Own Account Transfer
and the Transaction Reference Number of the completed transaction.
8.
Click Email icon to email the details.
9.
Click Save icon to save the details.
10.
Click OK.
The system displays the initial Own Account Transfer screen.
Note: If the transaction password is configured for the transaction, you have to enter transaction
password after clicking Confirm on the Verify screen of the transaction.
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Bill
Payment
38. Bill Payment
38.1 Add Utility Biller / Register Biller
You can register billers in the application for bill payment. You can view or delete the registered
billers or pay bills from these registered billers.
To add /register a utility biller
1.
Click More > Pay Bills > View/ Add Utility Biller.
The system displays the Biller List screen.
2.
Click the
icon on the Biller List screen.
The system displays the Register Biller screen.
Register Biller
Field Description
Field Name
Description
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Bill
Field Name
Description
Select Customer
[Mandatory, Dropdown]
Payment
Select the customer under which biller is to be registered.
Select Biller
[Mandatory, Date-Picker]
Select the billers available for your account as maintained by the
bank.
Service Account
Number
[Mandatory, Input box, 20]
Biller Nick Name
[Mandatory, Input box, 20]
Enter your unique account number with the biller.
Enter nickname of the biller for registration.
3.
Enter the relevant details.
4.
Click Submit.
The system displays the Register Biller – Verify screen.
Register Biller – Verify
5.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number.
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Bill
Payment
Register Biller Confirm
6.
Click Pay Bills to view the Pay Bills screen.
OR
Click Ok.
The system displays the initial biller registration screen.
38.2 Pay Bills
You can make bill payments to registered billers in the application.
To add /register a utility biller
1.
Click Pay Bills on the dashboard of the application.
OR
Click More > Pay Bills > Bill Payment.
The system displays the Pay Bills screen.
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Bill
Payment
Pay Bills
Field Description
Field Name
Description
Payee
Select Biller
[Mandatory, Dropdown]
Select the desired biller from the dropdown.
Pay Bill From
From Account
[Mandatory, Dropdown]
Select the desired Account Number from the dropdown.
Payment Details
Payment Amount
[Mandatory, Numeric, Input Box,15]
Enter the desired payment amount.
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Bill
Field Name
Description
Bill Number
[Optional, Alphanumeric, Input Box, 20]
Payment
Enter the appropriate Bill Number.
Bill Generation
Date
[[Mandatory, Numeric, Input Box,10]
Select the appropriate Bill Generation Date from the Date-Picker.
2.
Enter the relevant details.
3.
Click Submit.
The system displays the Pay Bill – Verify screen.
Pay Bill – Verify
4.
Click Change to modify any details and then verify all the details and click Confirm. The system
displays the transaction reference of the payment details.
5.
Click Email icon to email the details.
6.
Click Save icon to save the details.
7.
Click OK.
The system displays the initial Pay Bill screen.
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Bill
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Payment
288
Bill
Payment
38.3 Delete a Utility Biller
You can delete details of a registered biller in the application.
.
To delete a utility biller
1.
Click More > Pay Bills > View Add Utility Biller.
The system displays the Biller List screen.
Biller List
Field Description
Field Name
Description
Search
[Typo-search]
Enter any value in the search field.
The system displays biller details based on your search criteria.
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Bill
Field Name
Description
Biller Name
[Display, Hyperlink]
Payment
This field displays the biller registration details.
Click this hyperlink to select the biller.
Service
Number
Account
Biller Nick Name
[Display]
This field displays your unique account number with the biller
[Display]
This field displays the nickname of the biller for registration
2.
Select the desired biller from the Biller list.
The system displays the Delete Biller screen.
Delete Biller
Field Description
Field Name
Description
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Bill
Field Name
Description
Biller Name
[Display]
Payment
This field displays the name of the biller.
Biller Nick Name
[Display]
This field displays the nickname of the biller.
Customer Id
[Display]
This field displays the Customer Id under which biller has been
registered.
Service Account
Number
3.
[Display]
This field displays your unique account number with the biller.
Click Delete.
The system displays the Delete Biller - Verify screen.
Delete Biller - Verify
4.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the Delete Biller – Confirm screen.
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Bill
Payment
Delete Biller-Confirm
5.
Click Ok.
The system displays the updated Biller List screen.
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Credit Cards
39. Credit Cards
39.1 Credit Card Summary
You can view recent transactions of all credit cards mapped to your account in the
application. You can also view the credit card details from the Credit Card Summary.
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the Credits account type.
The system displays the Account Summary screen for all your Credit Card accounts in
the application.
Account Summary- Credit Card
Field Description
Field Name
Description
Credit Card Product
Name
[Display]
This field displays the name of the credit card product
293
Credit
Field Name
Description
Card Number
[Display]
Cards
This field displays the credit card number or nickname, if any. of
the credit card account
Total Outstanding
[Display]
This field displays the total outstanding amount on the credit card
which includes the billed amount and unbilled amount.
3.
Click the required account.
The system displays details and activity of the selected account.
OR
Click Credit Card Payment to make a payment for the credit card.
The system displays the Credit Card Payment screen.
39.2 Credit Card Details
You can view all your credit cards available in the application. You can view the account
details and credit card activity of a selected credit card. You can also make a payment for
the credit card.
To view the credit card details
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the Credits account type.
The system displays the Account Summary screen for all your Credit Card accounts in
the application.
3.
Click the required account.
The system displays details and activity of the selected account.
By default, the system displays the Activity tab.
4.
Click the Details tab.
The system displays the details of the selected account.
Credit Card Details
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Credit
Cards
Field Description
Field Name
Description
Card Number
[Display]
This field displays the credit card number for which the details are
displayed.
Total Billed
Amount
[Display]
Payment Due Date
[Display]
This field displays total amount billed on the last statement of the
credit card.
This field displays date on which the least minimum payment of
last statement amount is due.
Credit Card Details
Product Name
[Display]
This field displays the product name of the credit card.
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Credit
Field Name
Description
Expiry Date
[Display]
Cards
This field displays the expiry date of the credit card.
Reward Points
Available
[Display]
Total Credit Limit
Display]
This field displays the reward points available for the credit card
This field displays the total amount of credit available on the card
Available Credit
Limit
Display]
Total Cash Limit
Display]
This field displays the maximum amount the card holder can
charge on the card at present.
This field displays the total amount that can be withdrawn from the
card.
Available Cash
Limit
Display]
Total Unbilled
Amount
Display]
This field displays the maximum amount available to be withdrawn
from the card at present.
This field displays the total amount of all transactions done on the
card after the last statement generation date.
This amount is included in the next credit card statement.
Last Payment Date
Display]
This field displays the date on which the last payment is made.
Last Payment
Amount
Display]
This field displays the amount of last payment for the credit card.
Payment Due Details
Statement Date
Display]
This field displays the date on which the last bill statement is
generated.
Total Billed
Amount
Display]
Payment Due Date
Display]
This field displays the total amount billed on the last statement.
This field displays the date on which at least minimum payment of
last statement amount is due.
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Credit
5.
Field Name
Description
Minimum Amount
Due
Display]
Cards
This field displays the minimum amount due as per last statement.
Click the Activity tab.
The system displays the recent activity of the selected credit card.
Credit Card Activity
Field Description
Field Name
Description
Credit Activity
Transaction Date
Display]
This field displays the transaction date.
Transaction
Description
Display]
This field displays the description of the transaction.
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Credit
Field Name
Description
Transaction Type
Display]
Cards
This field displays the transaction as debit transaction or credit
transaction.
Amount and
Currency
Display]
This field displays the transaction amount and account currency.
6.
Click PDF
icon to generate a statement for the credit card.
7.
Click Credit Card Payment to make a payment for the credit card.
The system displays the Credit Card Payment screen.
39.3 Credit Card Statement
You can generate statements for a specific month of a year for credit cards mapped to
your account in the application.
To view the credit card statement
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the Credits account type.
The system displays the Account Summary screen for all your Credit Card accounts in
the application.
3.
Click the required account.
The system displays details and activity of the selected account.
By default, the system displays the Activity tab.
4.
Click PDF
icon to generate a statement for the credit card.
The system displays the Statement Period screen for the date selection for credit card
statement.
Credit Card Generate Statement
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Credit
Cards
Field Description
Field Name
Description
Selected Credit
Card
[Mandatory, Dropdown]
Select Year
[Mandatory, Dropdown]
Select the credit card number for which the statement to be
generated.
Select the year for which statement to be generated from
dropdown list.
Select Month
[Mandatory, Dropdown]
Select the month for which statement to be generated from
dropdown list.
5.
Click Submit button.
The system displays statement for selected credit card.
Credit Card Statement
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Credit
Cards
Field Description
Field Name
Description
Credit Card
Number
[Display]
Year
[Display]
This field displays number of the credit card for which statement is
displayed
This field displays the year for which the credit card statement is
generated.
Month
[Display]
This field displays the month for which the credit card statement is
generated
Reward Points
Available
[Display]
This field displays the reward points accumulated for the credit
card.
Credit Card
Statement
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Credit
Field Name
Description
Transaction Date
[Display]
Cards
This field displays the date on which transaction is done.
Reference Number
[Display]
This field displays the reference number for the transaction.
Transaction
Amount
[Display]
Description
[Display]
This field displays the credit amount along with currency.
This field displays the description of the credit card.
Debit/Credit
[Display]
This field displays the transaction type whether debit or credit.
6.
Click Credit Card Payment to make a payment for the credit card.
The system displays the Credit Card Payment screen.
39.4 Credit Card Payment
You can make payments for your credit cards that you have registered with the bank from
any of your CASA accounts in the application. You can also provide the credit card
number of other credit cards of the bank and make an ad hoc payment for such credit
cards.
For registered credit cards, you can choose to pay either the total due amount or the
minimum due amount.
To make credit card payment
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the Credits account type.
The system displays the Account Summary screen for all your Credit Card accounts in
the application.
3.
Click the Credit Card Payment button.
The system displays Credit Card Payment screen.
Note: You can also click Pay Bill > Pay Credit Card Bill to view the Credit Card Payment
screen.
Credit Card Payment
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Credit
Cards
Field Description
Field Name
Description
Card Type
[Mandatory, Dropdown]]
Select a registered card or enter a new card number.
The options are:
Credit Card
Selection

Select Your Card

Enter Card Number
[Mandatory, Dropdown]
Select any of your registered cards for credit card payment.
This field is displayed only when you select the Select Your Card
option in the Card Type dropdown.
Credit Card
Number
[Mandatory, Input box,10]
Enter the credit card number for an unregistered credit card.
This field is displayed only when you select Enter Card Number
option in the Card Type dropdown.
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Credit
Field Name
Cards
Description
Source
Select Account
[Optional, Input box, 20]
Select the source account to make the payment.
Available Balance
[Display]
This field displays the available balance of the selected source
account.
Payment Details
Total Amount Due
[Radio button]
Select this radio button to pay the total bill amount of the card.
This field is displayed only when you select the Select Your Card
option.
Minimum Amount
Due
[Radio button]
Select this radio button to pay the minimum due amount for the
card.
This field is displayed only when you select the Select Your Card
option.
Other Amount
[Mandatory, Radio button, Input box, Numeric,15 ]
Select this radio button to pay the desired amount for the card.
Bill Amount
[Conditional, Display OR Input box, Numeric,15 ]
This field displays the bill amount of the card.
This field is mandatory when you select Other Amount radio
button.
Enter desired amount to be paid for the card.
Payment Due Date
[Display]
This field displays the due date of the credit card payment.
4.
Click Continue to view the next screen of the process.
5.
Click the Submit button.
The system display Credit Card Payment – Verify screen.
OR
Click Reset to clear all the entered information.
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Credit
Cards
Credit Card Payment – Verify
6.
Click Change to modify any details and then verify all the details and click Confirm.
7.
Enter the transaction password and then click OK.
The system displays the transaction reference number for transaction.
Credit Card Payment – Confirm
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Credit
8.
Click Save icon to save the details.
9.
Click Email icon to send an email about the details.
10.
Click Print icon to print the details.
11.
Click the Ok button.
The system displays the initial Credit Card Payment screen.
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Term
Deposits
40. Term Deposits
You can open a term deposit in the application. You can also redeem the term deposit or add a
top-up amount to the term deposit.
40.1 Open Term Deposits
You can open new term deposits in the application with funds from any of your CASA accounts in
the application.
When you open the term deposit, you can specify the term deposit product and maturity
instructions for the term deposit.
To open term deposit
1.
Click Term Deposits on the dashboard of the application.
OR
Click More > Accounts > Term Deposits > Open Term Deposits.
The system displays the Open Term Deposit screen.
Open Term Deposit – 1
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Term
Deposits
Field Description
Field Name
Description
Enter Deposit Details
Holding Pattern
[Radio Buttons]
Select the desired option from the following:
 Single
 Joint
Joint Customer ID
1
[Conditional, Alphanumeric, 20]
Type the first joint customer id
This field is enabled if the Joint radio button is selected as holding
pattern.
Joint Customer ID
2
[Optional, Alphanumeric, 20]
Type the second joint customer id
This field is enabled if the Joint radio button is selected as holding
pattern.
Note: Customer Id cannot be same as customer id entered for first
joint account holder.
Deposit Product
[Mandatory, Dropdown]
Select the desired product from the dropdown.
Source Account
[Mandatory, Dropdown]
Select the desired source account from the dropdown.
Currency
[]Conditional, Dropdown/Display]
Select the currency of the term deposit.
This field is a display field if a single currency is supported for the
term deposit.
Amount
[Mandatory, Input Box, 15]
Enter the desired amount.
Minimum Deposit
Period
[Display]
Minimum Deposit
Period
[Display]
This field displays the minimum tenure for which term deposit can
be opened
This field displays the maximum tenure for which term deposit can
be opened
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Term
Field Name
Description
Minimum Deposit
Amount
[Display]
Maximum Deposit
Amount
[Display]
Choose
[Radio Buttons]
Deposits
This field displays the minimum deposit amount permissible for the
deposit product selected
This field displays the maximum deposit amount permissible for
the deposit product selected
Select the desired option from the following:
 Tenure
 Maturity Date
Period of Deposit
[Conditional, Input Box, 2]
This field is available only when the option selected is Tenure.
Note: The above fields are displayed only when the tenure of the
term deposit is not fixed.
Select Maturity
Date
[Date-Picker]
This field is available only when the option selected is Maturity
date.
Select the desired date from the Date-Picker.
View Interest and
Maturity
Projection
[Hyperlink]
Click the link to calculate and view Maturity Amount and Interest
Rate of the term deposit.
Click Back button on your device to close the maturity projection
pop-up.
Interest and Maturity Projection
Maturity Amount
[Display]
This field displays the calculated maturity amount of the term
deposit.
Maturity Date
[Display]
This field displays the calculated maturity date of the term deposit.
This field is applicable only for fixed tenure based products.
Interest Rate
[Display]
This field displays the interest rate of the term deposit.
2.
Click Continue to continue the Open Term Deposit process.
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Term
Deposits
Open Term Deposit - Maturity Instructions
Field Description
Field Name
Description
Maturity
Instructions
[Mandatory, Dropdown]
Select the maturity instructions for the term deposit account from
the drop-down list. The options include:

Close on maturity

Renew Principal and Interest

Renew Principal and Pay out interest

Renew special amount and pay out the remaining amount
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Term
Field Name
Description
Account Transfer
Options
[Conditional, Dropdown]
Deposits
Select the account transfer options for the term deposit account
from the drop-down list. The options include:

Own

Internal

Domestic
Note: This field is mandatory if you select any Maturity Instruction
other than Renew Principal and Interest.
Maturity Account
[Conditional, Input Box, 20, Dropdown]
Select the account number to which proceeds to be transferred
Note: This field is mandatory if you select any Maturity Instruction
other than Renew Principal and Interest.
Branch Details
Note: The fields in this section are displayed only when you select Transfer to Internal
Bank Account.
City
[Mandatory, Dropdown]
Select the city of the bank where you want to transfer the funds of
the term deposit.
Branch
[Mandatory, Dropdown]
Select the branch of the bank where you want to transfer the funds
of the term deposit.
Domestic Clearing Network Details
Note: The fields in this section are displayed only when you select Transfer through
Domestic Clearing Network.
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.
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Term
Field Name
Deposits
Description
Special Amount Details
Note: The fields in this section are displayed only when you select Renew Special Amount
and Payout the Remaining Amount.
Roll over Amount
[Conditional, Input Box, 15]
Enter the amount that is to be rolled over from the term deposit.
3.
Enter the appropriate details in the respective fields.
4.
Click Continue to continue the Open Term Deposit process and then click Submit.
The system displays the Open Term Deposit Verify screen.
5.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference of the transaction.
6.
Click Print icon to print the details.
7.
Click Save icon to save the details.
8.
Click OK.
The system displays the initial Open Term Deposit screen.
40.2 Redeem Term Deposits
You can redeem your term deposit in the application.
To redeem term deposit
1.
Click More > Accounts > Term Deposits > Redeem Term Deposits.
The system displays the Redeem Term Deposit screen.
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Term
2.
Select the account for which you want to redeem the term deposit.
3.
Click Continue.
The system displays the Redeem Term Deposit screen for the selected term deposit.
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Term
Deposits
Redeem Term Deposit
Field Description
Field Name
Description
Account Number
[Display]
This field displays the deposit account number
Product Name
[Display]
This field displays the product under which deposit is made
Deposit Amount
[Display]
This field displays the principal amount of the term deposit
Interest rate
[Display]
This field displays the interest rate of the deposit
Maturity date
[Display]
This field displays the maturity date of the deposit
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Term
Field Name
Description
Tenure
[Display]
Deposits
This field displays the period of term deposit
Maturity
Instruction
[Display]
Current Principal
Amount
[Display]
Total Redeemable
Amount
[Display]
Charges/ Penalty
[Display]
This field displays the maturity instruction available for the term
deposit
This field displays the current principal amount (This field is only
applicable and displayed only for revised principal amount after
top-up / partial redemption).
This field displays the total redeemable amount if deposit is
redeemed on the current date.
This field displays charges /penalty in case the deposit is
redeemed on the current date.
Final Redeemable
Amount
4.
[Display]
This field displays the net redeemable amount after deducting
charges or penalty amount.
Click Redeem.
The system displays fields to redeem the selected term deposit.
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Term
Deposits
Redeem Term Deposit 2
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Term
Deposits
Field Description
Field Name
Description
Redemption Type
[Mandatory, Dropdown]
Select the type of redemption for the term deposit. The options
include:
Amount

Partial

Full
[Conditional, Input Box]
Enter the amount you want to redeem.
Note: This field is mandatory if you select Redemption Type as
Partial.
Transfer To
[Conditional, Dropdown]
Select the account transfer options for the term deposit account
from the drop-down list. The options include:

Own

Internal

Domestic
Note: This field is mandatory if you select any Maturity Instruction
other than the Renew Principal and Interest option.
Maturity Account
[Conditional, Input Box, 20, Dropdown]
Select the account number to which proceeds to be transferred
Note: This field is mandatory if you select any Maturity Instruction
other than the Renew Principal and Interest option.
Branch Details
Note: The fields in this section are displayed only when you select Transfer to Internal
Bank Account.
City
[Mandatory, Dropdown]
Select the city of the bank where you want to transfer the funds of
the term deposit.
Branch
[Mandatory, Dropdown]
Select the branch of the bank where you want to transfer the funds
of the term deposit.
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Term
Field Name
Deposits
Description
Domestic Clearing Network Details
Note: The fields in this section are displayed only when you select Transfer through
Domestic Clearing Network.
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.
5.
Enter the appropriate details in the respective fields.
6.
Click Submit.
The system displays the Redeem Term Deposit Verify screen.
7.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference of the transaction.
8.
Click Print icon to print the details.
9.
Click Save icon to save the details.
10.
Click OK.
The system displays the initial Redeem Term Deposit screen.
40.3 Top Up Term Deposits
You can add a top –up amount to the principal amount of the term deposit. You can also view the
projected maturity amount after the top-up in the application.
To top-up term deposit
1.
Click More > Accounts > Term Deposits > View Term Deposits.
The system displays the Deposit Details screen.
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Term
2.
Deposits
Click the Active Term Deposit tab.
Deposit Details
3.
Select the required deposit account in the Select Account field.
4.
Click Continue.
The system displays the details of the selected term deposit.
5.
Scroll to the bottom of the screen and then click Top-Up Term Deposit.
The system displays the Top-Up Term Deposit screen.
Top –Up Term Deposit
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Term
Deposits
Field Description
Field Name
Description
Source Account
[Mandatory, Dropdown]
Select the desired source account from the dropdown.
Top-up Amount
[Mandatory, Numeric, 15]
Enter the top-up amount to be added on the selected term deposit.
Narration
[Optional, Input Box, 35]
Enter the description of the transaction.
Currency
[Display]
This field displays the currency of the term deposit.
Minimum Top-up
Amount
[Display]
This field displays the minimum top-up amount (with currency)
permitted for the term deposit.
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Term
Field Name
Description
Maximum Top-up
Amount
[Display]
Top up amount in
Multiple of
[Display]
View Interest and
Maturity
Projection
[Hyperlink]
Deposits
This field displays the maximum top-up amount (with currency)
permitted for the term deposit.
This field displays top up amount in multiple of the given amount
with currency for the term deposit.
Click the link to calculate and view Maturity Amount and Interest
Rate of the term deposit after adding the top-up amount. Click Ok
to close the maturity projection pop-up.
Projected TD maturity after Top-up
Field Name
Description
Interest and Maturity Projection
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Term
Field Name
Description
Top-up Amount
[Display]
Deposits
This field displays the top-up amount that you have entered for the
term deposit.
New Principal
Amount
[Display]
Maturity Amount
[Display]
This field displays the calculated principal amount (as per Interest
rate) as on current date.
This field displays the calculated maturity amount after top-up
Interest Rate
[Display]
This field displays interest rate applicable after adding the top-up
amount to the term deposit.
6.
Click Continue.
The system displays the Top-up Term Deposit Verify screen.
Top-up Term Deposit Verify
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Term
7.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference of the transaction.
8.
Click Print button to print the details.
9.
Click Save button to save the details.
10.
Click Ok.
The system displays the initial Deposit Details screen.
Deposits
40.4 View Term Deposit Details
You can view details of your term deposits in the application, including redemption and top-up
details, if any.
To view details of the term deposit
1.
Click More > Accounts > Term Deposits > View Term Deposits.
The system displays the Deposit Details screen.
2.
Click the Active Term Deposit tab.
OR
Click the Closed Term Deposit tab.
3.
Select the required deposit account in the Select Deposit Account field.
4.
Click Continue.
The system displays the Deposit Details screen.
Deposit Details
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Term
Deposits
Field Description
Field Name
Description
Deposit Account Details
Product Name
[Display]
This field displays the product description of the selected account
Deposit Account
Number
[Display]
Customer Id
[Display]
This field displays the Account Number for the respective Deposit
account in the Account Number – Branch format
This field displays the Customer Id of the Customer.
Account holder
name
[Display]
This field displays the name of the primary account holder.
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Term
Field Name
Description
Joint Customer1
[Display]
Deposits
This field displays customer ID of each joint account holder in a
pop-up screen.
This field is displayed only when you the Holding Pattern of the
term deposit is Joint.
Account holder
name1
[Display]
This field displays name of the account holder for each joint
account holder in a pop-up screen.
This field is displayed only when you the Holding Pattern of the
term deposit is Joint.
Deposit Details
Maturity Amount
[Display]
This field displays the maturity amount of the term deposit.
This field is applicable only for a conventional 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.
Principal Amount
[Display]
This field displays the amount deposited in the term deposit
account, with the currency.
Deposit Date
[Display]
This field displays the date of deposit in the Term deposit.
Current Principal
Amount
[Display]
Current Balance
[Display]
This field displays the current principal amount (revised principal
amount after top-up / partial redemption) with currency.
This field displays the calculated balance in the term deposit
account as on the current date.
This field is displayed only for active term deposit accounts.
Hold Amount
[Display]
This field displays the hold amount for the term deposit as
maintained by the bank.
This field is displayed only for active term deposit accounts.
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Term
Field Name
Description
Value Date
[Display]
Deposits
This field displays the value date of the term deposit.
Term Deposit
Status
[Display]
This field displays the status of the term deposit.
This field is displayed only for active term deposit accounts.
Term of Deposit
[Display]
This field displays the tenure of the term deposit in terms of years,
months and days.
Deposit Certificate
Number
[Display]
Net Credit Amount
[Display]
This field displays the unique Certificate Number of the term
deposit.
This field displays the amount that is credited on maturity of this
deposit.
This field is displayed only for closed term deposit accounts.
Tax +
Penalty/other
Charges
[Display]
This field displays the tax and other charges deducted on maturity
of this deposit.
This field is displayed only for closed term deposit accounts.
Maturity Instructions
Maturity
Instructions
[Display]
Rollover
Instructions
[Display]
Structured
Deposit Details
This section is displayed only if the Deposit is a Structured
Deposit.
Structured
Deposit Scheme
[Display]
This field displays the maturity instructions that you have given to
be executed at the time of maturity of the term deposit.
This field displays the amount for rollover, if you have selected
Rollover instruction as Renew Special Amount and Pay out the
Remaining Amount.
This field displays the name of the structured deposit scheme
associated with the deposit account.
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Term
Field Name
Description
Current Value
[Display]
Deposits
This field displays the current value with currency of the linked
structured deposit.
Subscription Date
[Display]
This field displays the date of subscription for the structured
deposit.
Term Deposit
Issue Date
5.
[Display]
This field displays the date of issue for the term deposit.
Click View Details in the Payout Details field to view payout details for the term deposit in a popup screen.
Click Close to close the Payout Details screen.
OR
Click View Redemption Details to view the redemption details of the term deposit in a pop-up
screen.
Click the Back button on your device to view the Deposit Details screen..
OR
Click View Top-up Details to view the top-up details of the term deposit in a pop-up screen.
Click the Back button on your device to view the Deposit Details screen..
OR
Click Top-up Term Deposit to view the Top –up Term Deposit screen.
OR
Click Compose Mail to draft a mail.
OR
Click the Back button on your device to view the prevoius screen..
Payout Details
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Term
Deposits
Field Description
Field Name
Description
Payout Details
Payout Type
[Display]
This field displays the payout options for the term deposit.
Percentage
[Display]
This field displays the percentage for payout.
Additional
Information
[Display]
This field displays the account number.
Redemption Details
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Term
Deposits
Field Description
Field Name
Description
Redemption Details
Redemption Date
[Display]
This field displays the date on which redemption is done for the
term deposit.
Redemption
Amount
[Display]
Redemption
Reference Number
[Display]
Redemption Type
[Display]
This field displays the redeemed amount, with currency, for the
term deposit.
This field displays the Redemption Reference Number, after
redemption.
This field displays Partial as the redemption type for the term
deposit.
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Term
Field Name
Description
Pay Out Mode
[Display]
Deposits
This field displays payout mode selected for redemption for the
term deposit.
The options available are:
Additional
Information

Transfer to Internal Bank Account

Transfer through Domestic Clearing Network

Issue a demand Draft
Display]
This field displays account number or draft details as per the
applicable payout option.
Top-up Details
Field Description
Field Name
Description
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Term
Field Name
Description
Top-up Details
This section is displayed only if you have done any top-up on the
selected term deposit.
Top-up Date
[Display]
Deposits
This field displays the date on which top-up is done for the term
deposit.
Top-up Amount
[Display]
This field displays the top-up amount, with currency, for the term
deposit.
Top-up Reference
Number
[Display]
Revised Principal
Amount
[Display]
Revised Maturity
Amount
[Display]
Narration
[Display]
This field displays the Top-up Reference Number, after top-up.
This field displays the principal amount after top-up is done for the
term deposit.
This field displays the maturity amount after top-up is done for the
term deposit.
This field displays the description that you have entered during the
top-up transaction for the term deposit.
6.
Click the PDF
icon generate the statement.
Note: Please refer to Ad hoc Statement section in this User Manual to more information to generate an
ad hoc account statement.
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Contract Deposits
41. Contract Deposits
You can view the details of active contract deposits mapped to your account in the application.
The details displayed for the contract deposit include the contract number, currency, bank branch,
product interest rate as well as interest and principal instructions.
1.
Click the Accounts button from the dashboard of the application.
OR
Click the amount in the I Have /I Owe field.
The system displays the Accounts Overview screen.
2.
Click the Contract Deposit account type.
The system displays the Account Summary screen for all your Contract Deposit accounts in the
application.
Account Summary Contract Deposits
Field Description
Field Name
Description
331
Contract
Field Name
Contract Number
Deposits
Description
[Display, Hyperlink]
This field displays Deposit Contract numbers for the contract deposit
account.
Click this hyperlink to view more details of the contract deposit
account.
Current Balance
[Display]
This field displays the current balance in the account currency for
the selected account.
Currency
[Display]
This field displays the currency of the selected contract deposit
account.
Description
[Display]
This field displays the product description of the selected contract
deposit account.
3.
Click the Contract Number of the required contract deposit account.
The system displays details and activity of the selected account.
Contract Deposit Details
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Contract
Deposits
Field Description
Field Name
Description
Deposit Details
Contract Deposit
[Display]
This field displays the contract deposit number.
Current Balance
[Display]
This field displays the balance of the term deposit.
Deposit Date
[Display]
This field displays the deposit date.
Maturity Date
[Display]
This field displays the date on which deposit matures.
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Contract
Field Name
Description
Interest Rate
[Display]
Deposits
This field displays the interest rate on the term deposit.
Interest Instructions and Maturity Instructions are also displayed
below this field.
Interest Accrued
till Date
[Display]
Product Name
[Display]
This field displays the accrued interest till date.
This field displays the product name.
Customer Id
[Display]
This field displays the user id.
Interest Instructions
Interest
Instructions
[Display]
Account
[Display]
This field displays the interest instructions.
This field displays the account number.
Maturity Instructions
Rollover
Instructions
[Display]
Rollover Amount
[Display]
This field displays the roll over instructions.
This field displays the rollover amount, if any.
Account
[Display]
This field displays the account number.
4.
Click the Back button on your device to view previous screen.
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Transaction
Activities
42. Transaction Activities
You can view details of all transactions that you have initiated in the application.
You can view details such as status, E-banking Reference Number, name of the user who has
created the transaction, date of update and value date for the initiated transactions.
To view the transaction details
1.
Click More > Customer Services > Transaction Activities > View Initiated Transactions.
The system displays the Transactions screen.
Transactions
2.
Select the transaction type from the Status drop-down list.
The options displayed depend on the type of your account in the application.
Field Description
Field Name
Description
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Transaction
Field Name
Description
Transaction Type
[Button]
Activities
Select the type of initiated transaction.
The system displays the initiated transactions of the selected
transaction type in the next screen.
Transaction Type
[Display]
This field displays the Type of the transaction that has been
initiated.
Status
[Display]
This field displays the status of transaction.
Count
[Display]
This field displays the number of transactions that have been
initiated for particular transaction type.
3.
Select the required transaction type that you want to view.
The system displays details of the selected transaction type.
View Initiated Transaction
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Transaction
Activities
Field Description
Field Name
Description
Transaction Type
[Display]
This field displays the Type of the transaction that has been
initiated.
Status
[Display]
This field displays the status of transaction.
Count
[Display]
This field displays the number of transactions that have been
initiated for particular transaction type.
E-banking Ref No
[Display]
This field displays the reference number generated when the
transaction has been initiated.
Created By
[Display]
This field displays the name of the user by whom transaction has
been initiated.
Date
[Display]
This field displays the date on which the transaction has been
initiated.
Amount
[Display]
This field displays the amount involved in the initiated transaction
4.
Click reference number to view further details of the selected transaction.
The system displays Transaction Details screen.
View Initiated Transaction Details
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Transaction
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Transaction
Activities
Field Description
Field Name
Description
E-Banking Ref.
No.
[Display]
Created By
[Display]
This field displays the reference number generated when the
transaction was initiated.
This field displays the name of the user by whom transaction has
been done.
Updated By
[Display]
This field displays the user id of the user who last updated the
status of the transaction
Status
[Display]
This field displays the status of transaction.
Value Date
[Display]
This field displays the value date of the transaction
Created On
[Display]
This field displays the date on which the transaction was initiated
Updated On
[Display]
This field displays the date on which the transaction status was
last updated
5.
Click Email icon to email the details.
6.
Click Save icon to save the details.
Search Transactions
You can search all initiated transactions as per the following criteria:

E-Banking Reference Number

Transactions in a specified amount range
Search Transactions with E-Banking Reference Number
1.
Click More > Customer Services > Transaction Activities > View Initiated Transactions.
The system displays the Transactions screen.
2.
Click the Search Filter
3.
Click the E-Banking Ref Number tab.
icon on the Transactions screen.
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Transaction
Activities
Search Transactions E-Banking Ref Number tab
4.
Enter the E-banking Reference number.
5.
Click Search.
The system displays the details of the transaction with the specified e-Banking Reference
Number.
Search Transactions with Specified Amount Range
6.
Click Amount tab.
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Transaction
Activities
Field Description
Field Name
Description
Currency
[Mandatory, Dropdown]
Select the desired currency from the dropdown.
From Amount
[Optional, Input, 15]
Enter the start amount of the amount range.
To Amount
[Optional, Input, 15]
Enter the end amount of the amount range.
7.
Click Search.
The system displays the details of all transactions within the specified amount range and
currency.
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Authorization of Transactions
43. Authorization of Transactions
If you have authorization rights in the application, you can view and authorize transactions which
are pending for your authorization. You can reject or authorize multiple transactions of the same
transaction type. You can also send a single transaction for modification.
To authorize pending transaction
1.
Click More > Customer Services > Transaction Activities > Pending Transactions.
The system displays the Transactions screen.
Transactions
2.
Select the transaction type from the Status drop-down list.
The options displayed depend on the type of your account in the application.
Field Description
Field Name
Description
Description
[Display]
This field displays the name of the transaction.
Status
[Display]
This field displays the status of transaction.
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Authorization
Field Name
Description
Count
[Display]
of Transactions
This field displays the number of transaction activities done for
particular transaction type.
3.
Click the required transaction from the list that you want to authorize.
The system displays details of the selected transaction.
Pending Transaction Details
Field Description
Field Name
Description
Transaction
[Display]
This field displays the name of the transaction.
Count
[Display]
This field displays the number of transaction activities done for
particular transaction type.
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Authorization
Field Name
Description
Status
[Display]
of Transactions
This field displays the status of transaction.
E-Banking Ref.
No.
[Display]
Created By
[Display]
This field displays the reference number generated when the
transaction was initiated.
This field displays the name of the user by whom transaction has
been done.
Amount
[Display]
This field displays the transaction amount and currency.
This field is displayed only for financial transactions for which the
amount field is available.
Date
[Display]
This field displays the initiation date of the transaction.
Note
[Optional, Input box, 100]
Enter the remarks about the authorization.
4.
Click the checkboxes next to the required transactions that you want to authorize
5.
Enter the remarks about the authorization in the Note field.
6.
Click the Authorize button to authorize the transactions.
OR
Click the Reject button to reject the transactions.
The system displays the Pending Transactions Verify screen.
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Authorization
of Transactions
Pending Transactions Verify
7.
Click Change to modify any details and then verify all the details and click Confirm. The system
displays transaction reference number for the transaction.
8.
Click Save icon to save the details.
9.
Click Print icon to print the details.
10.
Click OK.
The system displays the initial Pending Authorizations – Results screen.
Search transactions pending for authorization
You can also search the transactions pending for authorization based on:

E-Banking Reference Number

Transactions in a specified amount range
1.
Click More > Customer Services > Transaction Activities > Pending Transactions.
The system displays the Transactions screen.
2.
Click the Search Filter
icon.
Note: Please refer to Search Transactions sub-section in the Transaction Activities section in this User
Manual for more details.
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Authorization
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of Transactions
346
Transaction Password
44. Transaction Password
Transaction password is added security measure in mobile banking required for safer execution
of any transaction. When transaction password is configured for any transaction, then you have to
provide transaction password after selecting Confirm option on the verification screen.
These two types of the transaction password can be configured for Mobile Banking as per
requirement:

Random Transaction Password

Standard Transaction Password
To perform the transaction for which random transaction password is configured
1.
Access any transaction for which transaction password is configured.
For example, click More > Transfers > Own Account Transfer.
The system displays the Own Account Transfer screen.
Own Account Transfer
2.
Enter the relevant details.
3.
Click a payment option.
For example, click Pay Now.
The system displays the Transaction Password screen.
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Transaction Password
Transaction Password
Field Description
4.
Field Name
Description
Transaction
Password
[Mandatory, Input box, 20]
Enter the transaction password that you have set in the
application.
Click the OK button.
The system displays Own Account Transfer Verify screen.
Own Account Transfer Verify
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Transaction Password
5.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the transaction reference number for the transaction.
6.
Click Save icon to save the details.
7.
Click Print icon to print the details.
8.
Click OK.
The system displays initial Own Account Transfer screen.
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Security Questions
45. Security Questions
You can set or modify answers to a set of pre-defined security questions in the application. You
can also change the existing security question information.
The system validates this process with OTP or any other 2- factor authentication supported by the
bank.
1.
Click More > Customer Services > My Profile > Security Questions.
The system displays the Set Security Questions screen.
Set Security Questions
Field Description
Field Name
Description
Set Security Questions
Security Question
1 / 2 /3
[Dropdown]
Enter the desired security question form the dropdown.
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Security Questions
Field Name
Description
Enter Answer
[Mandatory, Alphanumeric, Input Box, 50]
Enter the appropriate answers for the respective security
questions.
2.
Enter the relevant details.
3.
Click Submit.
The system displays the Set Security Questions –Verify screen.
Set Security Questions Verify
4.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the 2 Factor Authentication screen or OTP (One Time Password ) screen
Field Description
Field Name
Description
Transaction PIN
[Mandatory, Input box]
Enter the Transaction PIN.
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Security Questions
5.
Click Continue.
The system validates the OTP and displays the Set Security Questions –Confirm screen.
OR
Click Back to view the previous screen.
6.
Click OK.
The system displays the initial Set Security Questions screen.
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Subscribe
/ Unsubscribe Banking Channel
46. Subscribe / Unsubscribe Banking Channel
You can register for the other FCDB channels from application.
You can deregister or unsubscribe from usage of the particular banking channel from the
application.
To subscribe for a FCDB channel
1.
Click More > Customer Services > My Profile > Subscribe / Unsubscribe Banking Channel.
The system displays the Your Choice screen.
Your Choice
2.
Click Subscribe Channel radio button.
3.
Click Continue.
The system displays the Channel Subscription screen,
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Subscribe
/ Unsubscribe Banking Channel
Channel Subscription
4.
Select the desired channel from the available channels.
5.
Click Continue.
The system displays the Channel Subscription screen.
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Subscribe
/ Unsubscribe Banking Channel
Channel Subscription
Field Description
Field Name
Description
Channel Selected
[Display]
This field displays the name of the channel of mobile banking that
you have selected for subscription.
User Id
[Mandatory, Input box]
Enter the User ID that you want to use for the selected channel.
Check Availability
[Hyperlink]
Click this link to view the user id availability of the entered user id
for the selected channel.
View User ID
Policy
[Hyperlink]
Click this link to view the User ID policy set by the bank
administrator for the selected channel.
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Subscribe
Field Name
Description
Login Password
[Mandatory, Input box]
/ Unsubscribe Banking Channel
Enter the login password that you want to use for the selected
channel.
View Password
Policy
[Hyperlink]
Confirm Login
Password
[Mandatory, Input box]
Transaction
Password
[Mandatory, Input box]
Click this link to view the login password policy set by the bank
administrator for the selected channel.
Re-enter the login password that you want to use for the selected
channel.
Enter the transaction password that you want to use for the
selected channel.
This field is not displayed for the SMS Banking channel.
Confirm
Transaction
Password
[Mandatory, Input box]
Re-enter the transaction password that you want to use for the
selected channel.
6.
Enter the appropriate User IDs in the respective field.
7.
Click Check Availability.
The system checks whether the new User ID that you have entered is available in the application
and displays a success message.
If the User ID that you have entered is not available, enter a new User ID.
8.
Click OK.
9.
Enter the appropriate data in the remaining fields.
10.
Press Enter.
The system displays the Channel Subscription – Verify screen.
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Subscribe
/ Unsubscribe Banking Channel
Channel Subscription – Verify
11.
Click Change to modify any details and then verify all the details and click Confirm.
The system displays the success message along with Channel name, User ID and the reference
number.
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Subscribe
/ Unsubscribe Banking Channel
To unsubscribe a FCDB channel
1.
Click More > Customer Services > My Profile > Subscribe / Unsubscribe Banking Channel.
The system displays the Your Choice screen.
Your Choice
2.
Click Un- Subscribe Channel radio button.
3.
Click Continue.
The system displays the Channel Un-Subscription screen.
Channel Un-Subscription
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Subscribe
/ Unsubscribe Banking Channel
4.
Select the checkbox next to the channel that you want to unsubscribe.
5.
Click Continue.
The system displays the Channel Un-Subscription – Verify screen.
6.
Click Cancel to view the previous screen.
OR
Click Confirm.
The system displays the success message
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Calculators
47. Calculators
Using calculators you can calculate the maturity amount for deposits made, amount invested in
savings plan etc. You can also search the foreign exchange rates and calculate their eligibility for
loans.
Calculators are available to existing logged in customers & prospects for the bank.
Note: You can use all available calculators without logging in the application. Click the Calculators panel
to access the calculators from the login page.
To view Calculators for logged in users:
1.
Click Calculators. The system displays the list of available calculators.
2.
Click the required calculator.
Calculators
47.1 Loan Eligibility Calculator
The Loan Eligibility Calculator allows a business user to compute the eligible amount for a user
for loan. The loan eligibility calculator should be available to the prospects as well for existing
logged in users.
360
Calculators
To view Loan Eligibility Calculator:
1.
Click Calculators >.Loan Eligibility Calculator.
The system displays the Loan Eligibility Calculator screen.
Loan Eligibility Calculator
Field Description
Field Name
Description
Your Net Gross
Monthly Income
[Mandatory, Input/slider, Numeric(1-15)]
Ongoing Monthly
Expenses
[Optional, Input/slider, Numeric(1-15)]
Tenure Of Loan (In
Months)
[Mandatory, Input/slider, Numeric(1-3)]
Enter monthly income.
Enter monthly EMI.
Enter Tenure of the loans in months.
By default, the tenure is12months – 360 months.
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Calculators
Field Name
Description
Interest Rate
Mandatory, [Input/slider, Numeric(1-5)]
Enter Interest rate for which the eligibility is to be calculated
By default, the interest is 1%-25%
2.
Click the Calculate button. The system displays the loan amount you are eligible for.
OR
Click Reset button to clear the data.
Loan Eligibility Calculator - Result
Field Description
Field Name
Description
You are Eligible
for a Loan of
Amount
[Display]
This field displays the eligible loan amount.
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Calculators
3.
Field Name
Description
Your Monthly
Instalment will be
[Display]
This field displays the EMI amount.
Click the Back button on your device to view the previous screen.
47.2 Savings Calculator
Saving Calculator gives you an indication about the interest earned and total value of deposits at
maturity for an amount deposited over a period of time at a particular frequency. It also provides
an option to know the regular savings which is required to be done to achieve the target amount.
To view Savings Calculator:
1.
Click Calculators > Savings Calculator.
The system displays the Savings Calculator screen.
Savings Calculator
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Calculators
Field Description
Field Name
Description
I Want To
[Mandatory ,Dropdown,]
Select the option to save for a target or to save a regular
contribution to get a sum at the maturity.
The values available are:
Interest rate (%)

Save for attaining a target goal

Save regularly and receive sum at maturity
[Mandatory, Input box,(1-5)]
Enter interest rate for which the total savings amount is to
calculated
Target Amount
[Mandatory, Input box,15]
Enter the target amount to save for a goal.
This field is displayed only if you select Save for attaining a
target goal in the I Want To field.
Initial Deposit
Amount
[Optional, Input box,15]
Frequency for
Regular
Contributions
[Mandatory, Dropdown]
Enter the initial amount deposited with defaulted currency.
Select the frequency at which deposit will be made.
The values available are:
Regular
Contribution
Amount

Weekly

Fortnightly

Monthly

Quarterly

Annually

Only initial deposit amount.
[Input,15,Optional]
Enter the contribution amount to save with defaulted currency.
This field is displayed only if you select Save regularly and
receive sum at maturity in the I Want To field.
Maturity Date
Start Date
[Mandatory, Date-Picker]
Select the date for starting the calculation for savings
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Calculators
Field Name
Description
Choose Tenure or
end date
[Mandatory, Calendar date selection, dropdown for year, months,
days]
Select the end date or the tenure for which the investment is to be
made
2.
Click the Calculate button.
The system displays total amount that need to be invested with a line graph for time Vs amount.
OR
Click Reset button to clear the data that you have entered in the Calculator.
Savings Calculator –Result
Field Description
Field Name
Description
You should invest
[Display]
This field displays the total amount that need to be invested.
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Calculators
Field Name
Description
Frequency
[Display]
This field displays the frequency that you have entered in the
Savings Calculator.
For Tenure
[Display]
This field displays the tenure that you have entered in the Savings
Calculator.
To achieve a
target of
[Display]
Total Interest
Earned Is
[Display]
Graph
[Display]
This field displays the target amount that you have entered in the
Savings Calculator.
This field displays the total interest that you have earned.
This field displays a line graph for time v/s amount.
The details of amount are displayed when you hover over the line
of the graph.
47.3 Foreign Exchange Calculator
Foreign Exchange Rate Calculator enables provide you the option to calculate the equivalent
amount in a currency for the amount being sold in other currency for various types of purpose like
buying currency notes, buying travellers’ cheques, fund transfer. The foreign exchange calculator
provides the value of one currency in relation to another.
To view Foreign Exchange Calculator
1.
Click Calculators > Foreign Exchange Calculator.
The system displays the Foreign Exchange Calculator
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Calculators
Foreign Exchange Calculator
Field Description
Field Name
Description
I want to
[Mandatory, Dropdown]
Select the purpose for conversion is required.
The values available are:

Buy Foreign currency notes

Buy Travellers cheque

Make Fund Transfer
By default, Buy Foreign currency notes option is selected.
Currency I Have
[Optional, Dropdown]
Select the Sell Currency for which the exchange rate is to be
inquired.
Amount
[Mandatory , Input Box, 20]
Enter the amount which the user will get post conversion.
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Calculators
Field Name
Description
Currency I Require
[Optional, Dropdown]
Select the Buy Currency for which the exchange rate is to be
inquired.
2.
Click the Submit button. .
The system displays Foreign Exchange Calculator screen with the calculated foreign exchange
rates.
OR
Click Reset to clear the entered values in the calculator.
Foreign Exchange Calculator Results
Field Description
Field Name
Description
Exchange rate
[Display]
This field displays the exchange rate for both the buy and sells
options for the specified currency pair.
For example, 1 USD = 52.0063 INR and 1 USD = 0.01923 INR
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Calculators
Field Name
Description
Indicative Rate as
on
[Display]
This field displays the selected date as on which the rates are
applicable.
47.4 Deposit Calculator
Term Deposit Maturity calculator gives an indication about the interest which you can earn and
total value of deposit at maturity if a particular amount is invested at the bank over a fixed period
of time. You can also calculate the total maturity amount and interest amount for the principal
deposited.
To view Deposit Calculator:
1.
Click Calculators > Deposit Calculator
The system displays the Deposit Calculator screen.
Deposit Calculator
Field Description
Field Name
Description
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Calculators
Field Name
Description
Amount I wish to
invest
[Mandatory Input, numeric(1-15)]
Rate of interest
(%)
[Mandatory Input, numeric(1-2)]
Choose
[Mandatory, Tabs]
Enter total Deposit principal amount with defaulted currency.
Enter the interest rate for which the total amount is to calculated
Select the period or maturity date for the Deposit Calculator.
The options available are:

Maturity Date

Tenure
By default, Tenure is selected.
Choose
Investment Period
Mandatory,[Input in Year, Month and days]
Maturity Date
[Mandatory, Date-Picker]
Enter tenure in days, months, and year in respective boxes
available for deposit.
Select maturity date for the deposit
2.
Click the Calculate button. The system displays the result for the Deposit Calculator based on
your values.
OR
Click Reset button to clear the data.
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Calculators
Deposit Calculator -Result
Field Description
Field Name
Description
Deposit value at
maturity
[Display]
Total interest
earned
[Display]
Annual
Percentage Yield
[Display]
Graph
[Display]
This field displays the total deposit value at maturity.
This field displays the total interest earned for the deposit amount.
This field displays the annual percentage yield for the deposit
amount.
This field displays a line graph for time v/s amount.
The details of amount are displayed when you hover over the line
of the graph.
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Calculators
47.5 Goal Calculator
You can use the Goal Calculator to view investment targets to reach your specified financial goals
in a specific period of time, given a rate of interest for your proposed investments.
Note: Please refer to the Goal Setting section in this User Manual for more information on the Goal
Calculator.
47.6 Budget Calculator
You can use the Budget Calculator to view total savings by comparing your monthly income and
total monthly savings and expenditure.
Note: Please refer to the Budget Management section in this User Manual for more information on the
Budget Calculator.
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ATM
Branch Locator
48. ATM Branch Locator
You can view the address and the location of all ATMs and branches of the bank in the
application.
To view the location and address of the ATM and branch
1.
Click Find Us on the login screen of the application.
OR
Click More > Locate Us.
The system displays the Locations .screen.
Locations
2.
Click Near Me.
The system displays all the bank’s ATMs or branches located within a certain range of your
device in a list or a map.
3.
Click By Location.
The system enables you to enter a location to search for ATMs or branches.
4.
Click Augmented Reality.
The system opens the camera of your device and finds all the bank’s ATMs, branches/offers
available within a specified radius of the user through GPS.
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ATM
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Branch Locator
374
ATM
Branch Locator
Find Us Results
Field Description
Field Name
Description
Enter Location
[Optional ,Input box, 35 ]
Enter the area in which the search for ATMs and Branches of the
bank
Go
[Button]
Click this button to view all the ATMs or branches of the bank
available in the specified location.
This button will be enabled only if ‘By Location’ has been selected
on the previous screen.
Branches
[Button]
Click this button to view all the branches of the bank shall be
displayed in a map or list as per settings.
ATMs
[Button]
Click this button to view all the ATMs of the bank shall be
displayed in a map or list as per settings.
Map View Icon
[Icon]
Click this icon to view all the ATMs or branches in a map.
Radius
[Scroll bar]
Select the range of radius to be selected for ATM/ branch.
This scroll bar is available on the map view.
List View Icon
[Icon]
Click this icon to view all the ATMs or branches in a list.
Link on
ATM/branch in list
view
[Hyperlink
By Location/ Near
Me
[Button]
Click the ATM/branch name link to view additional details of that
ATM/branch.
Click the By Location button to view all the ATMs/branches of the
bank shall be displayed in a map or a list as per settings in the
specified location.
Click the Near Me button to view all the ATMs/branches, of the
bank near the device as per GPS shall be displayed in a map or a
list as per settings.
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ATM
Field Name
Description
Message Icon
[Icon]
Branch Locator
Click this icon open the message application of your device with
the details of the selected ATM or Branch pre-loaded as the
message.
Enter the required phone number to send the details of the ATM or
Branch as a message.
Save Icon
[Icon]
Click this icon to capture and save a screenshot of the current
screen into your picture library.
Email Icon
[Icon]
Click this icon to open the e-mail application of your device with
the details of the selected ATM or Branch and the map of the ATM
or branch as an image on the Compose Mail screen.
Enter the required e-mail address to send the details of the ATM or
Branch as an email.
List or position on
map of Branches
[Display]
List or position on
map of ATMs
[Display]
This section displays the list of branches or the position of the
branches on a map if you have selected the Branches button while
searching for the bank’s branches.
This section displays the ATMs or the position of the branches on
a map if you have selected the ATM button while searching for the
bank’s ATMs.
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Offers
49. Offers
Location Based Offers:
You can receive the offers from the bank based on your physical location.
The application identifies your location using the GPS option available in the device in terms of
latitude and longitude. Based on the location identified, you can view the offers that are identified
and available in the area.
The offers received can have hyperlinks to display more data.
Click on an offer that has more details, to view the details in a separate screen external to the
application.
Note: You must modify your device settings to allow location based services from the application.
If you have not allowed location based services for the application, you must select your location
manually access the Offers without logging in the application.
Personalized / Targeted Offers:
Targeted offers or advertisements that are relevant to you are displayed in Personalized Offers
section. These offers are based on your details and activity in the application.
You can access offers from the application or before logging to the application.
To access the Offers without logging in the application
1.
Open the Android -based Banking application.
The system displays the home screen of the application.
2.
Click Offers on the home screen of the application.
Note: If you have not allowed location based services for the application, click OK to close the message
about Location-based services.
The system displays the Offers screen.
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Offers
Offers
3.
Click the required location in the Offers section.
4.
Click the required city in the Select Location section.
5.
Click the required offer category in the By Location section to go to the offers in that section.
6.
Click any of the offers to view offer details.
The system opens that particular offer in a new screen.
To access the offers from the application
1.
Log on to the Android -based Banking application.
2.
Click More > Miscellaneous > Personalised Offers.
The system displays Offers screen.
3.
Click any of the offers to view offer details.
The system opens that particular offer in a new screen.
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