Mobile Phone Banking Users Guide

Transcription

1 Internet Business Service Provider Mobile Phone Banking Users Guide IBSP Hong Kong Ltd Suite , 29/F. China Resources Building, No. 26 Harbour Road, Wanchai, Hong Kong Version 1.7 IBSP Copyright (c)

2 CONTENTS: Introduction to IBSP... 3 What is a Cloud System?... 3 IBSP s internet services... 4 Introducing IBSP s Mobile Internet Banking Platform... 5 Mobile Phone Banking activation... 5 Activation-code and PIN-code... 5 Mobile Phone Transactions using mobile Internet... 6 Mobile Services... 6 Login menu... 6 Account menu... 7 Banking Functions... 7 Transfer to other IBSP accounts... 7 Secure Card Payment Pay with Credit Card Mobile phone transactions using applications Applications for the mobile phone How to get the Applications to the mobile phone First time setup after installation Setup information to the application Pay money to New Merchants who do not have an IBSP account Mobile Banking functions Request for account Balance Transfer money to New User who do not have an IBSP account Topup Money to your IBSP Account Request for account Statement Demonstration of IBSP Mobile Banking functions The available Demo SMS functions are; Mobile phone application DEMO and TEST Mobile Phone Transactions using SMS Balance Checking with SMS Adding Money with SMS Making Transfers with SMS Creating new Account with SMS Get account statement to your mobile phone with SMS Interested in becoming a user? Further Information and Support Contact information IBSP Mobile Banking Users Guide Page 2 IBSP Copyright (c)

3 BACKGROUND Introduction to IBSP IBSP, Internet Business Service Provider, is a global virtual business system for all kinds of international and national business services and operational administration. IBSP is a Hong Kong based company with subsidiary companies in United Arab Emirates; IBSP FZCO (free zone company) and Sweden; IBSP Sweden AB. IBSP s objective is to assist and relieve every small business and private person from difficult and complicated business administration tasks with an on-line centralized server based virtual internet and mobile banking service built as a cloud service. What is a Cloud System? IBSP is a Cloud Computing system. Cloud computing is a new (circa late 2007) label for the subset of grid computing that includes utility computing and other approaches to the use of shared computing resources, rather than having local servers or personal devices handling users applications. The concept is very simple: On your desk (or in your hand) you would have a very lowcost computer or mobile devise with just a processor, a keyboard and a monitor. There would be no hard drive or CD/DVD drive. It would be hooked up to the Internet and would link to a central supercomputer, which would host all of your programs and files. Any person can register on the web site as a customer and get access to international business with products and services from small to large corporations. The service includes all possible functions that are required for doing business. Each registered customer gets their own virtual internet account and tools to start doing business in their local office or remotely over the internet. IBSP Mobile Banking Users Guide Page 3 IBSP Copyright (c)

4 All customer information and services are stored secure on IBSP s central servers in Sweden with high speed fiber optic internet connections and protected by one of the world s leading encryption security technologies. The service is accessible from anywhere via internet and is not dependent of any special operative system such as windows or apple, it is platform independent. All information stored on the server can be encrypted by the user and organized in folders created by the user them self. IBSP s internet services IBSP s services are categorized into 3 main end user functions: A) SME s who like to use our cloud based Business Package for their operation with easy to use and fast generated virtual online services. B) Companies who like to do business using our Internet Banking services for their payments and transactions. C) Companies who like to do business using our Mobile Banking services for their payments and transactions. IBSP supports all kinds of different businesses such as; home office, sales agents, shop owners, consultants or company employees. No matter where they are based (locally or internationally) or where in the world they want to conduct transactions or manage their business administration. The IBSP servers handle: Invoices, quotations, purchase orders, letters, s, SMS, faxes, payments, internet money transfer, mobile money transfer, salary reports, salary payments, salary taxation, meeting bookings, sales commissions, logistics, book keeping and auditing, cash register tuning, global VAT, cash and credit card payment, web shop for your products, home page for your products, worldwide sales force, time booking system for services and staff. IBSP servers are connected online to the banks through the Swedish bankgiro centralen and SEB, Scandinaviska Enskilda banken. The system can handle volume payments of salaries, incoming and outgoing payments of invoices. Bank statements are online and updates are done to all virtual bank accounts in real time using custom designed API and standard OCR technology. The IBSP servers can also be connected to other local banks and telecom companies for custom design online services. The IBSP servers handle both private and corporate virtual internet bank accounts, called backoffice where internal transfer is free of charge, and transfers to banks and external companies are charged with transaction fees. For new markets and territories, IBSP s Internet Banking Services (IBS) and Salary Payment Solutions (SPS) are able to be white branded and used by any corporation as their own business and payment platform for an annual licensing fee. IBSP Mobile Banking Users Guide Page 4 IBSP Copyright (c)

5 Introducing IBSP s Mobile Internet Banking Platform The IBSP service includes an online internet banking platform, called "BackOffice"; BO, where all registered customers get a free private account and registered corporations get a free corporate account which can be used as salary account and business accounts. Each user can manage the accounts direct from the internet or from a smart mobile phone. IBSP uses SEB (a Swedish bank) and HSBC (a Hong Kong based bank) for all transactions. Our central servers have communication with the "Swedish Bankgiro centralen" for all out and in coming transfers. For more information see Users manual for "BackOffice" out internet Banking solution. For mobile users it is possible to make mobile banking and payments via secure encrypted mobile communication direct to our banking database. The mobile banking functions are handled by SMS, Mobile internet connections, and local downloaded transfer applications with access to our servers. Mobile Phone Banking activation Activation-code and PIN-code To be able to use your mobile phone for banking services the user needs to activate their mobile number at the Internet Banking Platform (Backoffice) enter your mobile number as 46XXXXXXXXXX without + or 00. When the mobile number is entered the user will receive a onetime activation code to their mobile phone, enter this activation code and choose your PIN-code, which shall be used for mobile banking. If the user like to change the PIN-code, just delete the registered mobile phone number and make a new activation. IBSP Mobile Banking Users Guide Page 5 IBSP Copyright (c)

6 Mobile Phone Transactions using mobile Internet Users can reach the IBSP payment and transfer functions from the mobile phone using encrypted internet access from the mobile via WiFi, GPRS or G3 connection. The start page is: Mobile Services This is the first menu for our Mobile Services, where users can choose to Login to their registered mobile banking account, or make a Secure Card Payment. The user can only have one registered mobile number account connected to his mobile phone. Login menu In this menu the user can login to their own private internet banking platform using their login data using a mobile phone number as user name and the registered PIN code for mobile banking and as the last level of secure login, a onetime SMS code to the registered mobile phone number. IBSP Mobile Banking Users Guide Page 6 IBSP Copyright (c)

7 Account menu When logged in to the Mobile Banking Platform the user will see the IBSP account menu for the different accounts available and the user has to choose which account to operate. The Mobile phone account will be marked with BOLD text. If the user only have one account, this account information will be shown. Banking Functions Once choosing the account the user can see the balance of the selected account, change the account and logout from the Mobile banking. Transfer to other IBSP accounts The user can make internal transfers to any account within the IBSP Internet banking system. All transfers will be registered at the Internet banking logger so the user can follow the done transfers when using the internet. IBSP Mobile Banking Users Guide Page 7 IBSP Copyright (c)

8 IBSP account holders can after login choose to pay to other IBSP account holders with transfers from their IBSP accounts or pay with credit cards to any other IBSP account holder by choosing the Payment function. Secure Card Payment. The Secure Card Payment function can be used by anyone who like to pay to an IBSP account holder with credit or debit cards (Visa/MasterCard) When the IBSP account holder like to get paid he can easily send an SMS with the URL link m.ibsp.se to any customers mobile phone. The customer then go to our secure payment portal for card payment on his mobile phone and fill his card information to this mobile internet web site. The customer don t have to give out his card information or his name to the sales person just enter the card information, amount and the sales persons mobile number as a reference for the receiving account. The transfer is encrypted with SSL encryption and is fully safe. IBSP Mobile Banking Users Guide Page 8 IBSP Copyright (c)

9 Pay with Credit Card. If a customer does not have an IBSP account he can pay with Visa or Master Card direct to the sales persons IBSP account by entering the card information, amount and the Sales persons mobile phone number as a receivers reference. When the card payment is done the IBSP account holder will get an instant with the payment information, or if he has selected SMS notification at his Mobile Banking Settings, he will get an instant SMS with payment confirmation. The Sales person can then give the customer a receipt or send the payment confirmation via to the customer. The IBSP account holder can instantly see the payment on his Internet banking account on the computer or his mobile phone. IBSP Mobile Banking Users Guide Page 9 IBSP Copyright (c)

10 Mobile phone transactions using applications. Applications for the mobile phone For mobile phones which have access to internet or WAP protocol the users can download a small application to their mobile phone or receive it by Bluetooth from a friend to make secure encrypted SMS banking. All functions uses encrypted SMS. There are 5 different applications available. 1). IBSP Java ME application 2). IBSP Android application 3). IBSP Blackberry application 4). IBSP iphone application 5). IBSP Windows M7 application How to get the Applications to the mobile phone The applications can be downloaded direct to the mobile phone by sending an SMS to our central hub server number with the following text message: SEND: get J to to get a download link to your mobile phone via SMS for the IBSP Java ME application. SEND: get A to to get a download link to your mobile phone via SMS for the IBSP Android application. SEND: get B to to get a download link to your mobile phone via SMS for the IBSP BlackBerry application. SEND: get I to to get a download link to your mobile phone via SMS for the IBSP iphone application. (available Q3 2012) SEND: get W to to get a download link to your mobile phone via SMS for the IBSP Windows M7 application. (available Q3 2012) IBSP Mobile Banking Users Guide Page 10 IBSP Copyright (c)

11 First time setup after installation After installation of the application to the mobile phone the user have to enter the START information to the Setting section, just answer the questions asked at the application. The first entered PIN-code will be stored at the Internet Banking Platform as the mobile PIN-code. This can later be changed by the user only at the Internet Banking Platform. Information ABOUT IBSP Mobile Banking and FAQ is also available at this first page. Setup information to the application As IBSP follow the regulations for AML (Anti Money Laundry) and KYC (Know Your Customer) the user needs to enter his data to the application. This data will be sent to the IBSP server encrypted. The user will automatically be registered as a mobile banking user at the IBSP Internet banking database and can change the data at the SETTINGS menu at the application. In order to send money out from the IBSP Internet banking system to other Banks or via Swift the user have to enter more information at the IBSP Internet Banking settings. Pay money to New Merchants who do not have an IBSP account Users can pay to merchants instantly even if the merchant is not yet registered at the IBSP merchant platform. The user only enter the merchants mobile phone number and the amount to the PAYMENT section of the application and the Merchant will receive a message to their mobile phone that they has money to claim at the IBSP merchant account. The merchant can then return the Message to the IBSP sever and download the application to their mobile phone to register as a merchant and claim the paid money. When payments to new merchants are done the merchants mobile phone number is automatically saved at the Merchant Template for later use. Before the merchant IBSP Mobile Banking Users Guide Page 11 IBSP Copyright (c)

12 receive the payment the sender need to enter a CONFIRM code received to his mobile phone to confirm the merchant payment. Mobile Banking functions Users can handle Mobile Banking functions such as: - Request of Balance of your IBSP account. - Make Transfer to friends and family. - Topup your IBSP account from credit cards. - Request account statement to your . Request for account Balance To get information about the balance of your main account just activate the Balance button and the balance will be sent to your mobile phone by SMS shown at the application. Transfer money to New User who do not have an IBSP account Users can instantly send money to friends or family even the receiver do not yet have an account with IBSP. The user activate the BANKING section of the application and then the TRANSFER section and CREATE transfer, enter the receivers mobile number and the amount. The receiver will then get a message on their mobile phone that they has received money from the senders name and that they can claim this money at the IBSP main account. When transfer to new users are done the receivers mobile phone number is automatically saved at the Transfer Template for later use. IBSP Mobile Banking Users Guide Page 12 IBSP Copyright (c)

13 If the user already have an IBSP backoffice account he has to register his mobile phone number and mobile banking PIN-code at the IBSP backoffice site before it is possible to make mobile banking. When a transfer is done the sender will get a onetime PIN code which shall be returned to the IBSP banking platform. This onetime code is possible to pick up from the application by using the GET SMS CODE function. When this onetime code is sent back to the IBSP banking platform the transfer is confirmed and both parties will received a message about the transfer. Topup Money to your IBSP Account To add money from the users credit card to their own main IBSP internet banking account activate the TOPUP function and enter the selected amount and the topup command will be sent with encrypted SMS to our server. The users credit card data have to be entered in advance to the mobile phone application settings, where it is stored encrypted. Request for account Statement To get a statement of your IBSP main account just activate the Statement button, enter the required month as YYMM and the account statement will be sent to your registered address. IBSP Mobile Banking Users Guide Page 13 IBSP Copyright (c)

14 Demonstration of IBSP Mobile Banking functions If a user like to test the mobile banking functions without making real transfers it is possible at our Demonstration site. Log in to with the following login data: Login name: password: smsdemo@ibsp.net smsdemo PIN code: 1234 At this demo site it is 2 internet backoffice accounts available. The user shall first change the Mobile banking settings for the two different internet Banking accounts. Enter 2 different mobile numbers and after this it is possible to make tests. All SMS commands are like instructions above, start test the demo as: The available Demo SMS functions are; 1234 demobalance, to check the balance of my main internet banking account demotopup, to topup my main internet banking account from my registered credit card demotransfer, to make transfer from my main internet banking account to other IBSP accounts demostat, to get the account statement sent to the registered address. Mobile phone application DEMO and TEST Users can download the DEMO applications to a mobile phone by sending the SMS text to as follows: SEND: get 50 to to get a DEMO download link to your mobile phone via SMS for the IBSP Java ME application. SEND: get 51 to to get a DEMO download link to your mobile phone via SMS for the IBSP Android application. SEND: get 52 to to get a DEMO download link to your mobile phone via SMS for the IBSP BlackBerry application. IBSP Mobile Banking Users Guide Page 14 IBSP Copyright (c)

15 SEND: get 53 to to get a DEMO download link to your mobile phone via SMS for the IBSP iphone application. (available Q1 2011) SEND: get 54 to to get a DEMO download link to your mobile phone via SMS for the IBSP Windows M 7 application. (available Q2 2011) and a link to this application will be received by SMS to the mobile phone, where the application can be downloaded from. The user can with these demo sites test the applications and direct SMS commands between these 2 different IBSP Internet banking accounts. IBSP Mobile Banking Users Guide Page 15 IBSP Copyright (c)

16 Mobile Phone Transactions using SMS In order for the user to access the Internet banking function via SMS the mobile phone number has to be registered at the users internet banking platform. Transfer and banking functions are only possible between internal IBSP accounts. All transactions need to be sent together with the pre-registered 4 digit PIN-code entered at the Internet Banking platform. The available SMS functions are; Check the balance of my main internet banking account. Topup my main internet banking account from my credit card. Transfer from my main internet banking account to other accounts. Register new account with address. Statement to get the account statement to the registered address. HELP, to get SMS instructions how to use the SMS transfer functions Balance Checking with SMS To check the balance send an SMS to our central hub number with the PIN-code and text " balance" and the balance of the main account will be sent to the mobile phone number registered at the users Internet banking account. SEND: (PIN-code) balance as (xxxx balance) to IBSP Mobile Banking Users Guide Page 16 IBSP Copyright (c)

17 Adding Money with SMS To add money to the users main internet banking account from the users credit card send an SMS with the text "(PIN-code) topup XXX" as (XXXX topup XXX) to the central hub number where XXXX is the PIN-code and XXX is amount in Euro taken from the users credit card data. For example: "1234 topup 300" will debit the users credit card with 300 Euro and topup their main internet banking account with these 300 euros with the PIN-code SEND: 1234 topup 300 to , to topup your account with 300 Euro When this SMS is sent to our server we will send an SMS to the registered mobile number at the IBSP internet banking system with a onetime authentication code containing a 4 digit code, this 4 digit authentication code shall be replied back via SMS to our Server within 10 minutes in order to finalize the topup. After this onetime code is received to our server and approved, the topup of the users account will be done and the user will receive another SMS confirming the topup amount to their account. The users credit card data have to be entered in advance to our IBSP internet banking system using computer login. Making Transfers with SMS To make a transfer from the users main internet banking account to any other internal IBSP account send an SMS with the text " (PINcode) transfer MMMMMMMMM XXX" as ( XXXX transfer MMMMMMMMM XXX) to the central hub number where XXXX is the PIN-code and MMMMMMMMM is the receivers mobile number including international prefix, without + ( ) and XXX is amount in Euro. For example: "1234 transfer " will transfer 50 euro to BackOffice account registered with the mobile number with the PIN-code SEND: 1234 transfer to to transfer 50 Euro to account with mobile no IBSP Mobile Banking Users Guide Page 17 IBSP Copyright (c)

18 When this SMS is sent to our server we will send an SMS to the registered mobile number at the IBSP internet banking system with the beneficiary name and amount and a onetime authentication code containing a 4 digit code, this 4 digit code shall be replied back via SMS to our Server within 10 minutes. After this one time code is received to our server and approved the transfer of the amount will be done and both users will receive another SMS confirming the transfer and amount. Creating new Account with SMS To open a new account on the IBSP internet banking system any user can send an SMS with the text (PIN-code) reg ( address) as (XXXX reg address) to the central hub number , where XXXX is the new PIN-code. The user shall enter a valid address and the server will return a confirmation SMS with part of the login data for the internet banking system. The users PIN-code will be used as a start PINcode and shall later be changed by the user at the Internet Banking Platform. SEND: XXXX reg @address.xx to to create a new IBSP account The user can now immediately receive transfers to this new account from any IBSP mobile or internet account. The user shall then follow the instructions in the received e- mail how to login and complete the registration for the new account on the IBSP internet banking system. Get account statement to your mobile phone with SMS To get the account statement from your mobile phone number account from the IBSP internet banking system sent to the users e- mail address, users can send an SMS with the text (PIN-code) stat (YYMM) as (XXXX stat YYMM) to the central hub number , where XXXX is the PIN-code and YY is the year and MM is the month. This will send the account statement for the mobile phone number account for the selected year and month as a.pdf file to the registered address. SEND: XXXX stat YYMM to to get the account statement sent to the registered address. IBSP Mobile Banking Users Guide Page 18 IBSP Copyright (c)

19 Interested in becoming a user? Any person or corporation can register online at by clicking on New Customer. Once registered you can purchase any products from the web shop or register as a Sales Agent and start selling products to others. Businesses requiring Internet Banking on-line administration services can purchase the IBSP Business Package. This service can be accessed anytime anywhere via any internet terminal, computer or internet connected mobile devise or phone. To register as a customer the user need to follow the instructions in this mobile user guide or on the IBSP web site and enter a valid address and a password, name, date of birth, country, city and mobile phone number, accept the terms and submit the registration, then you will receive s how to proceed with the registration. Further Information and Support If you would like to know more about the IBSP concept and the cloud computing functions it is possible to watch a video on our website by clicking About IBSP. More User Guide information about IBSP is also available at the web site. For general enquiries or customer help you can get in contact with the IBSP support team 24/7 by send an to our customer support team on support@ibsp.net or by our Skype personal contact support number on ibspsupport. IBSP Mobile Banking Users Guide Page 19 IBSP Copyright (c)

20 Contact information HONG KONG HEAD OFFICE (Administration) IBSP Hong Kong Ltd Suites , 43/F Office Tower, Convention Plaza 1 Harbour Road, Wanchai, Hong Kong Phone: Telefax: info@ibsp.net Website: DUBAI OFFICE (Management) IBSP Emirates LLC P.O.Box, Deira, Dubai United Arab Emirates Phone: info@ibsp.ae Website: EUROPE OFFICE (Operational) IBSP Sweden AB Verkstadsgatan 4B Örebro Sweden P.O.Box, 47 Örebro, Sweden Phone: Telefax: info@ibsp.se Website: IBSP Mobile Banking Users Guide Page 20 IBSP Copyright (c)