NUUP(National Unified USSD Platform):USSD based mobile banking service from NPCI

USSD  based mobile banking service from NPCI(NUUP):National Payments Corporation of India (NPCI) is an umbrella organization for all retail payments system in India. It was set up with the guidance and support of the Reserve Bank of India (RBI) and Indian Banks’ Association (IBA).NPCI recently introduced an innovative product for cashless financial service in India.With the demonetization of higher denomination note,India is marching towards a cashless economy.NUUP ,National Unified USSD Platform will accelerate governments' flagship programme 'digital india'.Surely this USSD based mobile banking service from NPCI or *99# service will going to make financial revolution.Certainly NUUP-USSD based banking in INDIA is a big leap towards a cashless economy

What is USSD?

Unstructured Supplementary Service Data (USSD) is a technology unique to GSM (Global System for Mobile Communications) handsets. It is a capability built into the GSM standard to support transmitting information over the signalling channels of the GSM network. USSD provides session based communication, enabling a variety of applications. USSD technology, which was primarily used in the field of telecommunication, is going to make a significant impact in the field of banking services.

What is *99#?

*99# is a USSD (Unstructured Supplementary Service Data) based mobile banking service from NPCI that brings together diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers). Using *99# service, a customer can access financial services by dialling *99# from his/her mobile registered with the bank. The service works across all GSM service providers and handsets.There is no need of internet/GPRS connectivity.It runs across all platforms like Java,S40,S60,Android,iOs,Blackberry etc..

What are the key features of *99# service?

• Works without Internet 
• Uses voice connectivity 
• Accessible through a common code *99# across all TSPs
• No additional charges while roaming for using the service
• Works across all GSM service providers and mobile handsets
• Round the clock availability to customers (works even on holidays)
• No need to install any application on mobile handset to use the service
• Additional channel for banking services and key catalyst for financial inclusion 

Various services available under *99#?

 *99# service can be used by the customers for the following purposes: 

a) Financial 

b) Non-Financial 

c) Value Added Services (VAS) Currently, following Financial, Non-financial and Value Added Services (VAS) are offered through *99# service.

Financial Services provided by *99# servive

• Fund Transfer using Mobile Number and MMID  using *99# service- User can transfer fund using MMID and Mobile number of the Beneficiary.
• Fund Transfer using IFSC and Account Number - User can transfer fund using IFS Code and Account number of the Beneficiary.
• Fund Transfer using Aadhaar Number - User can transfer fund using Aadhaar number of the Beneficiary. 

Non- Financial Services *99# NUUP service

• Balance Enquiry using NUUP- User can check available balance of the bank account linked to his/her mobile number.
• Mini Statement - User can generate mini account statement for the bank account linked to his/her mobile number.
• Know MMID* (Mobile Money Identifier) - User can know their MMID which was allotted to him/her by bank during mobile banking registration.
• Generate MPIN - User can Generate or Set his/her MPIN. MPIN or Mobile PIN is like a password and used for authenticating financial transactions. [FAQs on FAQs on *99# Service] 4/10 Public
• Change MPIN - User can change his/her MPIN. MPIN or Mobile PIN is like a password and used for authenticating financial transactions.
• Generate OTP - User can generate One Time Password (OTP) which can be used for different transactions as a second factor of authentication. *MMID - Mobile Money Identifier is a 7 digits code allotted by the bank when user registers for mobile banking.

Value Added Services:

QSAM (Query Service on Aadhaar Mapper) or *99*99#(,adhar nuup registration)

How can a person use the *99# service?

The service can be availed by dialing *99# from any GSM mobile phone. As a pre-requisite, the customer is required to register his/her mobile number with his bank for the mobile banking services. The customers already using mobile banking will be able to use this service without any additional registration by dialling *99# from their GSM mobile handset. The customers not registered for mobile banking service will have to contact their respective banks for mobile banking registration. 

Balance Enquiry:User can check available balance of the bank account linked to his/her mobile number. The transaction flow to do Balance Enquiry is as follows: 

1. Dial *99# from your Mobile handset.
2. Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC. 
3. After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank. 
4. Enter 1 for Balance Enquiry and submit. 
5. A confirmation screen will appear displaying the available balance.

Mini Statement: User can generate mini account statement for the bank account linked his/her to mobile number. The transaction flow to generate Mini Statement is as follows: 

1. Dial *99# from your Mobile handset. 
2. Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC. 
3. After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank. 
4. Enter 2 for Mini Statement and submit. 
5. A confirmation screen will appear showing the mini-statement. 

Know MMID: User can know their MMID which was allotted to him/her by bank during mobile banking registration. The transaction flow to know MMID is as follows: 

1. Dial *99# from your Mobile handset. 
2. Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC. 
3. After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank. 
4. Enter 6 for Know Your MMID and submit. 
5. A confirmation screen will appear displaying MMID linked to your account

Change MPIN: User can change MPIN using this service. This is an additional security feature for financial transactions. The complete transaction flow to change MPIN is as follows: 

1. Dial *99# from your Mobile handset. 
2. Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
3. After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
4. Enter 7 for Change MPIN and submit.
5. Enter old MPIN, new MPIN and confirm.
6. A confirmation screen will appear displaying change of MPIN successfully..

Financial Services: 

Fund Transfer using MMID and Mobile Number: User can transfer funds by using MMID and Mobile number of the Beneficiary. The transaction flow for the same is as follows: 

1. Dial *99# from your Mobile handset.
2. Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
3. After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
4. Enter 3 for Fund Transfer using MMID and Mobile Number and submit.
5.  Subsequent screen to enter Beneficiary Mobile number, MMID, Amount and Remarks (Optional) will appear. 
6. Enter MPIN and last 4 digits of account number (Optional).
7. A confirmation screen will appear showing success response.

Fund Transfer using IFSC and Account Number: User can transfer funds by using IFS Code and Account Number of the Beneficiary. The transaction flow for funds transfer using Account Number and IFS Code is as follows: 

1. Dial *99# from your Mobile handset. 
2. Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
3. After entering valid IFS code or short name, menu will appear with different options of available services enabled for your bank. 
4. Enter 4 for Fund Transfer using Account Number and IFSC and submit.
5. Subsequent screen to enter Beneficiary Account Number, IFS Code, Amount and Remarks (Optional) will appear. 
6. Enter MPIN and last 4 digits of account number (Optional). 
7. A confirmation screen will appear showing success response.

Fund Transfer using Aadhaar Number: User can transfer funds by using Aadhaar Number of the Beneficiary. The transaction flow for funds transfer using Aadhaar Number is as follows: 

1. Dial *99# from your Mobile handset.
2. Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC. 
3. After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank. 
4. Enter 5 for Fund Transfer using beneficiary Aadhaar number.
5.  Subsequent screen to enter Beneficiary Aadhaar Number will appear. 
6. Enter MPIN and last 4 digits of account number (Optional). 
7. A confirmation screen will appear showing success response

NUUP :USSD based Mobile banking-other important point

• NUUP registration process:Customer need to contact their bank to register for USSD based mobile banking service
• The RBI guidelines for Mobile Banking Services has prescribed a ceiling of Rs. 5000 per transaction for financial transactions using *99# service.
• Since the *99# service uses IMPS channel which is an immediate fund transfer service; hence, it will not be possible to stop/cancel financial transaction after it has been initiated. 
• Fund transfer request can be initiated 24*7 (round the clock) using the *99# service including on holidays. 
• *99# service is available only on GSM handsets.CDMA handset doesn't support  *99#  service
• List of banks offering *99# service and their Multimodal Code

(Information and video courtesy www.npci.in )

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