Oracle Banking Digital

Experience
Wallets User Manual
Release 19.1.0.0.0

Part No. F18558-01

May 2019
Wallets User Manual
May 2019

Oracle Financial Services Software Limited

Oracle Park
Off Western Express Highway
Goregaon (East)
Mumbai, Maharashtra 400 063
India
Worldwide Inquiries:
Phone: +91 22 6718 3000
Fax:+91 22 6718 3001
www.oracle.com/financialservices/

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User Manual Oracle Banking Digital Experience Wallets ii

 Table of Contents

1. Preface ................................................................................................................................................. 4
1.1 Intended Audience ........................................................................................................................ 4
1.2 Documentation Accessibility ......................................................................................................... 4
1.3 Access to Oracle Support ............................................................................................................. 4
1.4 Structure ........................................................................................................................................ 4
1.5 Related Information Sources......................................................................................................... 4
2. Transaction Host Integration Matrix ................................................................................................. 5
3. Wallets ................................................................................................................................................. 6
4. Wallet Registration – Prospect User ................................................................................................ 7
5. Wallet Registration – Existing User ................................................................................................ 15
6. Wallets Widget .................................................................................................................................. 19
7. Add Money To Wallet ....................................................................................................................... 21
7.1 My Accounts ................................................................................................................................ 21
7.2 Request from Wallet .................................................................................................................... 23
7.3 External Resources ..................................................................................................................... 25
8. Transfer Money Between Wallets ................................................................................................... 29
9. Requested Funds Summary ............................................................................................................ 31
9.2 Requested Funds Summary - Sent Request .............................................................................. 32
10. View Statement .............................................................................................................................. 34
10.2 E-statements ............................................................................................................................... 36
10.3 Pre-generated Statement ............................................................................................................ 38
11. Account Details ............................................................................................................................. 40
12. One Time Password ...................................................................................................................... 42

User Manual Oracle Banking Digital Experience Wallets iii

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 Oracle Support

Oracle customers have access to electronic support through My Oracle Support. For information,
visit
http://www.oracle.com/pls/topic/lookup?ctx=acc&id=info or visit
http://www.oracle.com/pls/topic/lookup?ctx=acc&id=trs if you are hearing impaired.

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.
Introduction provides brief information on the overall functionality covered in the User Manual.
The subsequent chapters provide information on transactions covered in the User Manual.
Each transaction is explained in the following manner:
 Introduction to the transaction
 Screenshots of the transaction
 The images of screens used in this user manual are for illustrative purpose only, to provide
improved understanding of the functionality; actual screens that appear in the application may
vary based on selected browser, theme, and mobile devices.
 Procedure containing steps to complete the transaction- The mandatory and conditional fields
of the transaction are explained in the procedure.
If a transaction contains multiple procedures, each procedure is explained. If some functionality is
present in many transactions, this functionality is explained separately.

1.5 Related Information Sources

For more information on Oracle Banking Digital Experience Release 19.1.0.0.0, refer to the
following documents:
 Oracle Banking Digital Experience Licensing Guide
 Oracle Banking Digital Experience Installation Manuals

User Manual Oracle Banking Digital Experience Wallets 4

2. Transaction Host Integration Matrix
Legends

NH No Host Interface Required.

 Pre integrated Host interface available.

 Pre integrated Host interface not available.

Oracle Oracle Banking

FLEXCUBE Payments
Sr
Transaction / Function Name Universal 14.2.0.0.0
No
Banking
14.2.0.0.0
 
1 Wallet Registration - Prospect User
 
2 Wallet Registration - Existing User
 
3 Wallets Widget
 
4 Add funds to wallet – My Account
 
5 Add funds to wallet – Request From Wallet
 
6 Add funds to wallet – External Resources
 
7 Transfer Money – Between Wallets
 
8 Requested Funds Summary
 
9 Wallet Statement
 
10 Account Details
 
11 CASA account opening for existing Wallet user

Home

User Manual Oracle Banking Digital Experience Wallets 5

3. Wallets
Today’s need of a user is to make fast and easy payment using a hand held device. To know
recipient’s bank details or entering it while making a payment (or maintaining it) is tedious and time
consuming. Payment using a contact number or email id is far more convenient to the user as it is
hassle free and requires no maintenance of payment details.
In order to facilitate easy and fast payments for users, a digital channel introduced as ‘Wallets’.
Wallets will serve easy payments to the recipients just by entering the recipient’s email id or mobile
number. The bank can serve additional channel for its users for basic banking and a trending way
of making payments.
With wallet, user can perform basic banking using a simple and easy to use user interface.
Wallets features includes:
 Wallet Registration
 Wallet Dashboard
 Add funds to wallet
 Request Funds History
 Transfer Money
 Requested Funds from other Wallet users
 Wallet Statement
 Wallet Account Details
Home

User Manual Oracle Banking Digital Experience Wallets 6

4. Wallet Registration – Prospect User
In order to avail wallet and its services, user needs to register for the wallet. The Wallet registration
option is available on the bank’s portal so that, new user (prospect user) can also access and
register for Wallet account to avail the benefits and services of the wallet account with the bank.
A prospect user needs to follow wallet registration process which involves a few steps.
Steps involved in wallet registration;
 A verification code will be sent to the user's mobile number entered at the first step of
registration.
 User needs to enter the verification code as received.
 On successful authentication (OTP), the user needs to enter the personal details, such as
name, date of birth, email id etc.
 User needs to provide the identification document details and address details
 System allows user to proceed further and create login credentials to get the registration
process completed.
 Once registered user lands on the wallet dashboard and can start using the wallet.

How to reach here:

Bank Portal > Wallets - Signup

User Manual Oracle Banking Digital Experience Wallets 7

 Wallet – Sign Up

User Manual Oracle Banking Digital Experience Wallets 8

 To register for the digital wallet:
1. Click Sign Up. The Wallet – SignUp screen appears.

Wallet – Sign Up Mobile Verification

Field Description

Field Name Description

Welcome to Zig Bank Wallet

Sign up with mobile number

Mobile Number Mobile number of the user to be used for registration.

I agree to the Select this checkbox to acknowledge agreement to the terms and
terms and conditions of registration for wallet access.
conditions

Terms and Click this link to view the terms and conditions.
Conditions Link

2. In the Mobile Number field, enter the mobile number of the user.
3. Click the Terms and Conditions link to view the terms and conditions.
4. Select I agree to the terms and conditions check box to acknowledge agreement to the
terms and conditions.
5. Click Get OTP.
6. The OTP will be received on the user's mobile number and Wallet – SignUp Verify your
Mobile screen appears. For more information, click here.
7. Enter the code and click Submit OTP.
8. The Enter Profile Details screen appears, enter the relevant information.

Note:
1) Mobile number of the user should be unique and no existing accounts with same mobile

User Manual Oracle Banking Digital Experience Wallets 9

 number should exist with the bank.
2) Bank should maintain 2FA as OTP for the service of this transaction to work

Welcome to Zig Bank Wallet - Enter Profile Details

Field Description

Field Name Description

Gender The gender of the applicant.

The options are:
 Male
 Female
 Others
 Prefer not to disclose

Title Title of the applicant.

First Name First name of the applicant.

Middle Name First name of the applicant.

Last Name Last name of the applicant.

Email Email id of the applicant.

Date of Birth Date of birth of the applicant.

9. In the Gender field, select the appropriate option.

10. In the First Name field, enter the first name of the applicant.

User Manual Oracle Banking Digital Experience Wallets 10

 11. In the Middle Name field, enter the first name of the applicant.
12. In the Last Name field, enter the last name of the applicant.
13. In the Email field, enter the email address of the applicant.
14. In the Date of Birth field, select the date of birth.
15. Click Next to continue to the next screen. The screen to provide the identification documents
appears.
OR
Click Back to navigate back to the previous screen.

Welcome to Zig Bank Wallet - Document Details

Field Description

Field Name Description

Welcome To Zig Bank Wallet

Please provide any of the following document details for identity verification.

Identity Select the document that you want to provide as a proof of identity.
Document

Enter (ID Card) Enter the ID Card number for the above selected document.
Number

I confirm that Select this checkbox to ensure the information provided by you is correct.
above details are
correct and can
be used for
completing my
identity
verification.

16. From the Identity Document list, select the appropriate document for identification.
17. In the Enter (ID Card) Number field, enter the document number of the above selected
identification document.
18. Select the I confirm that above details are correct and can be used for completing my
identity verification check box to confirm the information provided by you is correct.

User Manual Oracle Banking Digital Experience Wallets 11

 19. Click Next to continue to the next screen. The screen to provide the address details appears.
OR
Click Back to navigate back to the previous screen.

Welcome to Zig Bank Wallet - Address Details

Field Description

Field Name Description

Welcome To Zig Bank Wallet

Please provide address details

Address 1-3 First line, second line and third line of the applicant's address details.

City The name of the city in which the applicant lives.

Country The name of the country in which the applicant resides.

Zip Code The zip code of the location of the applicant.

20. In the Address 1-3 field, enter the address details of the applicant.
21. From the Country list, select the country of the applicant.
22. In the Zip Code field, enter the zip code of the applicant.
23. Click Next to continue to the next screen. The Setup Credentials screen appears.
OR
Click Back to navigate back to the previous screen.

User Manual Oracle Banking Digital Experience Wallets 12

 Welcome to Zig Bank Wallet - Setup Credentials

Field Description

Field Name Description

Welcome To Zig Bank Wallet

Setup Credentials

User Id User name of the applicant which has been registered for login to the
wallet.

Password The password to be set by the applicant as per the password policy of
bank.

Confirm Re-enter to confirm the provided password.

Password

24. In the User Id field, enter the user id of the applicant.

25. In the Enter Password field, enter the password.
26. In the Confirm Password field, re-enter the password.
27. Click Submit to confirm the details.
OR
Click Back to navigate back to the previous screen.
28. The success message of registering to the wallet appears.
Click Proceed to explore the wallet.

User Manual Oracle Banking Digital Experience Wallets 13

 Wallet Registration - Confirm

FAQ
1. Where can I use my wallet?
You can use your wallet for:
1) Transferring funds to another wallet user
2) Making payments, doing recharges
3) Requesting funds from another wallet user
2. I have entered wrong OTP, how to register for a wallet now
If you have entered the wrong OTP, you can try providing the correct OTP again. There is
also an option available to re-generate the OTP.
Home

User Manual Oracle Banking Digital Experience Wallets 14

5. Wallet Registration – Existing User
Using this feature existing retail user can register and use the wallet facility of the bank for various
transactions. The existing user (prospect user) can register for Wallet account to avail the benefits
and services of the wallet account with the bank by providing a 2FA (OTP) on the registered mobile
number or email ID.
A wallet widget is available on the dashboard to register for wallet using a widget at the dashboard.
Steps involved in wallet registration;
 A verification code will be sent to the user's registered mobile number entered as the first step
of registration.
 User needs to enter the verification code as received.
 On successful authentication (2FA), the user gets registered for wallet and can avail the
benefits of the wallet account with the bank.
Once the use registration for the wallet is complete, a Wallet account is opened for the user at the
host and user can perform the transactions using the same wallet account.
Following is the list of transactions where wallet will appear in the account list
 Transfer Money - Existing Payee Domestic/Internal
 Transfer Money - New Payee Domestic/Internal
 Transfer Money - My Accounts
 Adhoc Transfer - Internal
 Adhoc Transfer - Domestic
 Multiple Transfers
 Fund Transfer History
 Request Money
 Dashboard My Networth
 Dashboard Recent Activity
 Quick Bill Pay
 Quick Recharge
 Alerts & Notifications
 PFM - Budget, Spend
 Electronic Bill Payment and Presentment

How to reach here:

Dashboard > Wallet Widget > Register Now

User Manual Oracle Banking Digital Experience Wallets 15

 Wallet – Register Now

To register for the digital wallet:

1. Click Register Now. The Wallet – SignUp screen appears.

User Manual Oracle Banking Digital Experience Wallets 16

 Wallet – Sign Up with Mobile number

Field Description

Field Name Description

Welcome to Zig Bank Wallet

Sign Up

Mobile Number Displays the registered mobile number.

Email ID Displays the registered email ID

I agree to the Select this checkbox to acknowledge agreement to the terms and
terms and conditions of registration for wallet access.
conditions Click on the link to view the terms and conditions.

2. In the Mobile Number field, the registered mobile number of the user is displayed.
3. In the Email ID field, the registered email ID of the user is displayed.
4. Click the I agree to Terms and Conditions link to view the terms and conditions.
5. Select the I agree to the terms and conditions check box to acknowledge agreement to the
terms and conditions.
6. Click Get OTP.
7. The OTP will be received on the user's registered mobile number and Wallet – SignUp Verify
your Mobile screen appears. For more information, click here.
8. Enter the code and click Submit OTP.
9. The success message of registering to the wallet appears.
Click Add Money to Wallet to add funds to the wallet.

User Manual Oracle Banking Digital Experience Wallets 17

 OR
Click the Back to Dashboard link to go to the Dashboard.

Success Message

Home

User Manual Oracle Banking Digital Experience Wallets 18

6. Wallets Widget
Wallet widget provides a bird’s eye view of the wallet along with additional options available to the
customers using wallet. This allows quick access to the most frequently used transactions directly
from the main dashboard. It also displays the available balance in the wallet account.
Following wallet transactions can be initiated using Wallet Widget:
 Add Money
 Send Money
 View Statement

Click on individual components to see the detailed snapshot.

User Manual Oracle Banking Digital Experience Wallets 19

 Dashboard Overview

My Net Worth
This widget displays the total net balance available across all the accounts of the user
including the wallet account. It also displays the total cash that is available in all the accounts
and the total debt. The graphical representation of availability of net balance with in a period
of 90 days in the user’s accounts and wallet is also displayed.

Wallet Widget
Standard transactions supported in the wallet are accessible through the transaction section.
Transactions includes;
 Add Money: Click the link to go to the wallet Add Money screen.
 Send Money: Click the link to go to the wallet Send Money screen.
 View Statement: Click the link to go to the wallet View Statement screen. This
displays the recent financial activities performed by the user. It displays the
value date of transaction, description, amount of the transaction and the Dr/Cr
indication along with the amount.

Home

User Manual Oracle Banking Digital Experience Wallets 20

7. Add Money To Wallet
In order to make fund transfers or payments through the wallet, there should be balance available
in the wallet. The wallet can be funded by one of the following ways:
 From user's own accounts (Only for Existing CASA users)
 Request fund from other user wallet
 Funding from external accounts like credit card, debit card, other bank accounts (depending
on Payment aggregator support)
Funding wallet from any credit or debit card or using internet banking requires processing the
transaction through a payment aggregator.
Using internet banking, a user can fund wallet using his own account available within bank. After a
successful authentication, a user can select an account from which the wallet is to be funded.

How to reach here:

Dashboard > Wallets Widget > Add Money
OR
Toggle Menu > Payments > Payments and Transfers > Transfer Money > Add Money To Wallet

7.1 My Accounts
By selecting the ‘My Accounts’ option as transfer type, the user is able to initiate fund transfer from
his own accounts held with the bank.

To add money to the wallet:

1. In the Transfer Type field, select the My Accounts option. The fields by which to initiate from
own account transfer appear.

User Manual Oracle Banking Digital Experience Wallets 21

 Add Money To Wallet

Field Description

Field Name Description

Transfer Type - My Accounts

Transfer From The list of user's own account from which the funds are to be transferred.

Balance On selecting a source account, the net balance of the account appears
below the Transfer From field.

Transfer To Displays as 'Wallet' to which funds are to be transferred.

Amount Amount that needs to be transferred.

Currency is defaulted to destination account currency.

Note Free text for user to enter any comments/ remarks as desired by the user.

2. From the Transfer From account list, select the account from which transfer needs to be
made.
3. In the Amount field, enter the transfer amount.
4. In the Note field, enter the appropriate comment.
5. Click Submit.
OR

User Manual Oracle Banking Digital Experience Wallets 22

 Click Back to navigate back to the previous screen.
OR
Click Cancel to cancel the operation and navigate back to ‘Dashboard’.
OR
Click the Back to Dashboard link, to navigate to the dashboard.
6. The Add Money To Wallet - Review screen appears. Verify the details, and click Confirm.
OR
Click Back to navigate back to previous screen.
OR
Click Cancel to cancel the operation and navigate back to ‘Dashboard’.
7. The success message appears, along with the reference number and transaction details.
Click Go to Dashboard, to navigate to the dashboard.
OR
Click More Payment Options to access other payment options.
OR
Click Add Favorite to mark the transaction as favorite.

Note: User with only Wallet account will not be able to see this option to transfer money from their
account. It is only for those who have existing CASA account with bank and have wallet account
as well

7.2 Request from Wallet

With Wallet, user has the option to request funds from another wallet that is, from another user
using the wallet.
User requests funds from the desired contact using the contact’s mobile number. User needs to
enter the desired contact mobile number and specify the funding amount to initiate the request for
funds. However, it is necessary for the contact (owner mobile number) to have registered for wallet
services.
The application identifies whether the mobile number is registered for the wallet. If registered, the
request is honored else the initiation is not permitted.

To request from the contact:

1. In the Transfer Type field, select the Request from Wallet option. The fields to initiate the
request from other wallet user appear.

User Manual Oracle Banking Digital Experience Wallets 23

 Request from Wallet

Field Description

Field Name Description

Transfer Type - Request from Wallet

Requestee’s Mobile number of the wallet user from whom the money is to be requested.
Mobile Number

Currency Select the currency in which the transfer is to take place.

Currency is defaulted to destination account currency.

Amount The amount user wishes to request from other wallet user.

Note Free text for user to enter any comments/ remarks to be conveyed along
with the request to another wallet user.

2. In the Requestee’s Mobile Number field, enter the mobile number of the contact.
3. From the Currency list, select the appropriate currency.
4. In the Amount field, enter the amount to be funded.
5. In the Note field, enter the appropriate comment.
6. To request for funds from the contact, click Submit.
OR
Click Back to navigate back to the previous screen.
OR
Click Cancel to cancel the operation and navigate back to ‘Dashboard’.

User Manual Oracle Banking Digital Experience Wallets 24

 OR
Click the Back to Dashboard link, to navigate to the dashboard.
7. The Review screen appears. Verify the details and click Confirm.
OR
Click Back to navigate back to previous screen.
OR
Click Cancel to cancel the operation and navigate back to ‘Dashboard’.
8. A notification is sent to the contact person, about the request to fund the user's wallet and the
success message appears, along with the reference number and transaction details.
Click Go to Dashboard, to navigate to the dashboard.
OR
Click More Payment Options to access other payment options.
OR
Click Add Favorite to mark the transaction as favorite.

7.3 External Resources

The user also has an option to fund the wallet from external resources like credit cards/debit cards/
other bank accounts (depending on Payment aggregator support). The user can add funds from
the other bank account, even if does not hold account in the wallet account’s bank.

To add money to the wallet from external resources:

1. In the Transfer Type field, select the External Resources option. The fields to initiate the
fund request from external resources appear.

User Manual Oracle Banking Digital Experience Wallets 25

 External Resources

Field Description

Field Name Description

Transfer Type - External Resources

Amount The amount user wishes to add funds from out of the bank sources using
a payment aggregator.

2. In the Amount field, enter the amount to be funded.

3. Click Submit. The user is directed to payment aggregator's page as set by Bank's
Administrator, with the amount getting defaulted from this screen.
OR
Click Back to navigate back to the previous screen.
OR
Click Cancel to cancel the operation and navigate back to ‘Dashboard’.
OR
Click the Back to Dashboard link, to navigate to the dashboard.

User Manual Oracle Banking Digital Experience Wallets 26

 Payment Method

Field Description

Field Name Description

Payment The amount to be funded from out of the bank sources.

Amount

Select payment The payment method to be selected to fund the wallet.

method
The options are:
 Debit
 Credit
 Net Banking

We accept The type of credit/ debit card that is accepted for wallet funding by the
bank.

Name on Card The name embossed on the card.

Card Number The debit card/ credit card number as mentioned in the card.

Expiry Date The date on which the debit card/ credit card expires.

CVV The unique three digit code displayed on the back of the card as security
check.

Select your bank

This field appears if you select Net Banking option from Select payment method field.

Select your bank The list of banks in which user holds the account.

User Manual Oracle Banking Digital Experience Wallets 27

 Field Name Description

Select account The account number of the user in masked format.

4. From the Select payment method list, select the appropriate method of payment.
5. If you select Debit Card/ Credit Card option;
a. In the Name on Card field, enter the name mentioned on the card.
b. In the Card Number field, enter the credit or debit card number.
c. In the Expiry Date field, select or enter the card expiry date.
d. Click Proceed Securely. The user is directed to OTP verification screen.
e. Enter the OTP as received on your registered mobile number and click Submit. For more
information, click here.
f. The success message appears, along with the reference number and transaction details.
Click Go to Dashboard, to navigate to the dashboard.
OR
Click More Payment Options to access other payment options.
OR
Click Add Favorite to mark the transaction as favorite.
6. If you select Net Banking option;
a. From the Select your bank list, search or select your bank from which you want to add
the funds. The user is directed to Login page of the selected bank.
b. Enter the Customer Id and PIN to login to your account, and click Login.
c. From the Select Account list, select your account from which you want to add the funds.
d. Enter the OTP as received on your registered mobile number and click Submit. For more
information, click here.
e. The success message appears, along with the reference number and transaction details.
Click Go to Dashboard, to navigate to the dashboard.
OR
Click More Payment Options to access other payment options.
OR
Click Add Favorite to mark the transaction as favorite.
Home

User Manual Oracle Banking Digital Experience Wallets 28

8. Transfer Money Between Wallets
This feature enables the retail user having a wallet account with the bank, to initiate the payments
from his wallet to the other user's wallet by specifying his mobile number without adding him as a
payee. This is the easy, quick and safe method of payment, the user just needs to enter the mobile
number of payee and amount to be paid.
The ‘Between Wallets’ option in the 'Transfer Money' screen enables the user to initiate the wallet
to wallet transfer.
Prerequisites:
 Transaction and account access is provided to retail user
 The retail user and the payee has a wallet account for the purpose of transferring funds via
wallet

How to reach here:

Dashboard > Payments Widget > Transfer Money
OR
Dashboard > Toggle Menu > Payments > Payments and Transfers > Transfer Money

To transfer money between the wallets:

1. In the Transfer Type field, select the Between Wallets option.
The fields by which to initiate a fund transfer between the wallets appear.

Transfer Money - Between Wallets

User Manual Oracle Banking Digital Experience Wallets 29

 Field Description

Field Name Description

Transfer From Displays the wallet as a source account from which the funds are to be
transferred.

Recipient Mobile The mobile number of the recipient, to whom the funds is to be transferred.
Number

Currency The currency in which the transfer is to take place.

Currency is defaulted to destination account currency.

Amount Specify the amount to be transferred.

Balance in the wallet account is shown below for easy reference.

Note Any note or message to be conveyed along with the transfer to another
wallet.

2. In the Recipients Mobile Number field, enter the mobile number of the payee.
3. In the Amount field, enter the transfer amount.
4. In the Note field, specify a note or remarks.
5. Click Transfer to initiate the payment.
OR
Click Cancel to cancel the operation and navigate back to ‘Dashboard’.
OR
Click the Back to Dashboard link, to navigate to the dashboard.
6. The Transfer Money - Review screen appears. Verify the details, and click Confirm.
OR
Click Cancel to cancel the operation and navigate back to ‘Dashboard’.
OR
Click Back to navigate back to previous screen.
7. The success message appears, along with the reference number and transaction details.
Click Go to Dashboard, to navigate to the dashboard.
OR
Click Bill Pay to go to the Bill Payment screen.
OR
Click Add Favorite to mark the transaction as favorite.

Home

User Manual Oracle Banking Digital Experience Wallets 30

9. Requested Funds Summary
With wallet, user has an option to see the history of the fund requests received and view the status
of these requests. Also, user can accept or decline any request which is pending for transfer.
The user can see the history of fund requests sent by him and the status of these requests. The
user can also send a reminder to those requests which are pending for fund transfer from the payer.

How to reach here:

Dashboard > Toggle Menu > Payments > Payments and Transfers > Requested Funds

To view the status of the requested funds:

1. Select the Received Request option. The list of all the fund requests received from other
wallet user appear.

Requested Funds - Received Request

Field Description

Field Name Description

Request Date Date on which the funds request received from the other wallet user.

Funds The name of the wallet user from whom the funds request received.
Requested From

Amount The transaction amount needed by the other wallet user.

Expiry Date The date on which the received fund requests gets expired.

Remarks The comment/ remarks received along with the request from the other
wallet user.

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 Field Name Description

Action The action to be taken by the user that is to accept or decline any request,
which is pending for transfer. Or the status of received requests which
have been paid or declined.

2. In the Action column, click Pay to accept any request, which is pending for transfer.
OR
Click Decline to decline any request which is pending for transfer.
3. A pop-up message prompting the user to confirm the payment appears. Click Yes to initiate
payment.
OR
Click No to cancel the request.
The success message of declining the request appears, along with the reference number and
request details.
4. The success message appears, along with the reference number and request details.
Click Go to Dashboard, to navigate to the dashboard.
OR
Click More Payment Options to access other payment options.
OR
Click Add Favorite to mark the transaction as favorite.

9.2 Requested Funds Summary - Sent Request

To view the status of the sent requests:
1. Select the Sent Request option. The list of all the fund requests sent to the other wallet user
appear.

Requested Funds Summary - Sent Request

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 Field Description

Field Name Description

Request Date Date on which the funds are requested from the other wallet user.

Funds The name of the wallet user from whom the funds are requested.
Requested To

Amount The transaction amount requested from the other wallet user.

Expiry Date The date on which the sent fund requests gets expired.

Remarks The comment/ remarks to be conveyed along with the request to another
wallet user.

Action The action to be taken by the user that is to send reminder to the sent
request. The status of the funds requested transaction.

2. In the Action column, click Send Reminder to send a reminder to the sent request.
3. A pop-up message displaying the success of sending the reminder appears. Click Ok to
complete the transaction.

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10. View Statement
Statement plays an important role for customers to manage and control an account. Similar to any
regular saving account, wallets supports activity statements for wallets as well. This Wallet
statement shows all the accounting entries that affect the wallet balance. A brief summary of last
few transactions can be viewed on the wallet dashboard.
However, there is also an option to view complete statement for the wallet. All transactions
performed from wallet are shown in chronological order.
User can use the below filters to narrow the search the result.
 Transaction period
 Current Month
 Previous Month
 Previous Quarter
 Date Range
 Transaction type
 Debits Only
 Credit Only
 All
User also has sort option to sort the result on the basis of transaction date.

How to reach here:

Toggle menu > Accounts > Current & Savings > View Statement
OR
Dashboard > My Account Widget > Current & Savings > Savings Account > More options > View
Statement

To view the wallet account statement:

1. From the View Options list, select the appropriate transaction period and transaction type.
a. From the Transaction Period list, select the appropriate period.
b. From the Transaction Type list, select the appropriate option.
c. Click Apply Filter to generate statement based on criteria.
OR
Click Reset to clear the details entered.

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 View Statement

Field Description

Field Name Description

Account Number Displays 'Wallet' as account number for which the statement to be
requested.

Filter section

View Options Filters to view the transactions of a specific period.

The options are:
 Current Month
 Previous Month
 Previous Quarter
 Date Range

Date From - Date The date range to view the transactions of a selected period.
To
This field appears if you select Date Range from the View Options filter.

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 Field Name Description

Filters to view the transactions based on description.

The options are:
 All
 Debits Only
 Credits Only

Results

Opening Opening balance in the wallet account.

Balance

Closing Balance Closing balance in the wallet account.

Download Click to download the statement.

Date Date on which the wallet activity was performed.

Description Short description of the transaction.

Reference Reference number for the transaction.

Number

Amount Transaction amount along with the debit or credit indicator.

Balance The wallet balance along with the currency.

The Balance column appears only if the option All has been selected as
filter criteria in View Options field.

2. Click Download to download the statement in .csv,.pdf, MT940,.qlf,and .ofx format.

10.2 E-statements
A customer might wish to receive regular e-statements at his email address instead of physical
copies. In this case, the customer can select the option to subscribe for an e-statement. Once a
request for an e-statement is made, the customer will begin to receive regular statements at his
email address maintained with the bank.

To subscribe / unsubscribe to e-statements:

1. Click the E-Statements tab for subscribe to e-statements.

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 E-statement

2. The Pop-up Message appears. (Subscribe to E-Statement You will receive monthly
statements for your account <Number in masked format> by email at <User’s email address>)
in masked format.
a. Click Subscribe to opt to receive monthly statements on your registered email address.
b. The success message of request submission appears. Click OK to complete the
transaction.
3. If the user has already subscribed for e-statements, the pop up message contains a message
stating that the user is subscribed to receive e-statements. The option to unsubscribe for e-
statements is provided.
a. Click Unsubscribe to opt out of receiving monthly statements on your registered email
address.
b. The success message of request submission appears. Click OK to complete the
transaction.
c. Click Proceed to Unsubscribe.
4. The success message of request submission appears.
Click on the Back to Dashboard link to go back to the Dashboard screen.
OR
Click Go To Account Details to go to Account Details screen.

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10.3 Pre-generated Statement
To download pre-generated statements:
1. Click Pre-generated Statement to download a pre-generated statement.
The Pre-generated Statement screen appears.

Pre-generated Statement

Field Description

Field Name Description

Select a period to download your pre-generated statements

Period

Year The year for which the statement is required.

Month The month for which the statement is required.

2. From the Period list, select the desired year and month for which pre-generated statement is
to be required.
3. Click Search to search amongst the pre-generated statements for the selected period.
4. Click on Download link against any record (.pdf ) download the statement.in password
protected pdf format.

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 FAQ
1. Will my e-Statement look the same as my paper statement?
Yes. Your e-Statement looks exactly like your paper statement
2. How do I get my e-Statement password?
Once you registered for e-Statement, you will receive notification email which contains
Terms and Conditions and Password to open you encrypted statement file.
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11. Account Details
The account details screen displays important information related to a wallet account such as the
account holding pattern and the names of all the account holders, the current status of the account
and the branch in which the account is held along with details on various balances and limits
applicable on the account.

How to reach here:

Dashboard > My Accounts Widget > Current and Savings > Active Account > More options >
Wallet Account Details
OR
Toggle Menu > Accounts > Current and Savings > Savings & Current Account Details > Choose
Account > Wallet Account Details

To view the wallet account details:

1. Select the option Active from the provided filter option on the Current & Savings widget.
2. All the active current & savings accounts held by the user appear.
3. Click on a specific wallet account record, and click on the more option icon, and then select
Account Details option to view details of that account.

Account Details

Field Description

Field Name Description

Customer Name Name of primary account holder.

Net Balance The amount that can be withdrawn from the account.

Basics

Customer ID The primary account holder’s customer ID in masked format.

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 Field Name Description

Account Number Account number of the Wallet Account is shown in masked format.

Balance Details

Available Balance The current available balance in the account.

4. Click on the Back to Dashboard link to go to Dashboard screen.

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12. One Time Password
One Time Password is a unique code that can be used only once. It is mandatory, if configured. A
verification code is sent to your registered mobile number or email ID of the account holder. You
have to enter the received code to complete the process. You can use Resend Code, to receive
the code (if not received or expired).

For OTP verification:

1. In the Verification Code field, enter the code as received.
OR
Click Resend Code, if you wish to receive the verification code again or your verification code
got expired.

OTP Mobile - Verification

Field Description

Field Name Description

Verification Code The code sent to the customer to their registered mobile number.

2. Click Submit OTP. The success message appears.

FAQ
1. Why is there a need for a One-Time Password (OTP)?
An OTP helps to protect against online fraud. It is a secure way to authenticate whether a
customer who is making an online transaction is the rightful owner of the account/credit /
debit card being used.
2. When do I key in the OTP and how do I receive the OTP?
When you make an online transaction using your credit/ debit card, an OTP will be sent to
your mobile phone via SMS.

Note:
1. Currently, users will not be able to use any future dated transaction or utilize pay later options
using their Wallet Account.

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 2. Only OTP should be maintained as the second factor authentication mode for ‘Wallet
Registration’ event. Other second factor authentication modes like Soft Token, Security
Questions etc. are not supported for this event.
3. Post wallet registration, if the wallet user subsequently wishes to apply for a savings/current
account by going to a branch and an account is opened in the host system directly and not via
OBDX. Branch user will change customer type to appropriate customer type and then open new
account.
In this case, the OBDX bank administrator will need to operationally map the role of a "Customer"
and remove the role of "Wallets" against the user in OBDX.
4. Only CASA is supported for Merchants in Inward Remittance.

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