Training presentation on How to use BHIM SBI Pay UPI, SBI Buddy/Paytm wallet and USSD payment methods

Vittiya Saksharta AbhiyanVittiya Saksharta Abhiyan (VISAKA)(VISAKA)
Practical Training
Demonstration
on
How to Use BHIM / SBI Pay UPI, SBI Buddy / Paytm (Wallet), and USSD
My Mobile, My bank, My Wallet.. , , ..
Presented By:
Gaurav Kumar, NSS Volunteer, Digi Sevak, Ph.D. (Senior Research Fellow),
Student Chair, JNU IEEE Student Branch
School of Computer & Systems Sciences, JNU, New Delhi-110067.
Vittiya Saksharta Abhiyan, Jawahalal Nehru Unviersity Gaurav Kumar, NSS Volunteer, Digi Sevak,

Digital Payment Mumkin Hai
Copy this link to watch this video: https://youtu.be/8pqbn0zsUqg

Mode of Cashless Systems
■ eWallet (Digital Wallet /Purse)
■ Unified Payment Interface ( UPI)
■ USSD
■ Mobile Banking: With Internet – Without Internet (non
smartphone)
■ Internet Banking: NEFT,RTGS,IMPS,UPI and Interbank
transfers

Digital Wallet/eWallet
My Mobile-My Wallet.. -..
Source: Google Images
 SBI Buddy Wallet
 Paytm Wallet
(Internet is required to use eWallet service)

Copy this link to watch this video: https://youtu.be/KkEBi_vmTNU

Vittiya Saksharta Abhiyan, Jawahalal Nehru Unviersity Gaurav Kumar, NSS Volunteer, Digi Sevak, Source: https://www.sbi.co.in/buddy/
SBI Buddy Wallet

Step -1: Open Google Play Store in your Smart Phone,
Then, search sbi buddy in search bar (see the image),
Click on the State Bank Buddy icon
How to Download SBI Buddy wallet in your smart
phone (Good Speed Internet is required)

Step -2: Click on the Install icon
phone
For reference : This icon indicates the owner or developer of the
State Bank Buddy app, Before installing any app, you can check
the originality of app by looking this indicated icon as shown in
the image.

Step -3: Click on the Open icon, Next screen will be open up to ask select the language
phone
then, select the language,
English or Hindi
(Which ever language you feel comfortable)

Step 4: Enter your Mobile
Number, Email Address, First
name and Last Name, Date of
Birth and then
click on Sign Up
(Example shown in the image)
After Click on Sign Up, One Time
password (OTP) will be received on
your mobile number for the verification
(See Next Steps)

Step 5:
1.Enter OTP
2. Set 4 digit (numeric)
Password like ATM Pin,
(Repeat it for the next box for the
confirmation )
3. Select Your security
question, Answer it
(Example shown in the image) ,
4. then Accept the terms and
Conditions by moving the circle
to the right side,
then click on Submit for the
confirmation
(Example shown in the image)
Enter the OTP (One Time Password)
here in the box

This is the Welcome Screen of
“SBI Buddy Wallet”
That’s shows you have successfully create SBI Buddy
wallet account on your mobile.
You an also say, this is a Digital Wallet or Digital Purse on your
smart phone. Its working is similar to the Physical purse we use in
our day to day life.
For Ex: We put some money in the purse according to our
requirements and then we spend this money to buy chocolates/ice-
cream/stationary, mobile recharge and other stuffs.
In the same way, we need to put money in this digital wallet as
well so that we can use this digital purse any where for the mobile-
recharge/bill-payment/buying movie tickets/paying to vendors and
many more.

Step 5:
Click on
Add Money
Add Money to Digital Purse (SBI Buddy Wallet)
then, enter the
amount which you
want to add (for ex-
100 Rs, as shown in
the image)
then, Click on
Debit Card
(means ATM card of
any bank)
(In this presentation, I have used
Debit card to add money)
or
Net Banking
(If you are registered
user for net banking)

Step 6: Click on Continue,
Click on
Debit card again
after that, pop up
will open below in
the same screen to
enter the details of
Debit Card (Shown
in the next screen
shots)

Step 7: Enter the details
from your ATM Card
1.Enter the 16 digit Card Number
(It is written on the front of ATM Card)
2. Enter the Expiry Date or Valid Through
date
(as shown on the ATM card)
3. Enter the Card Holder Name
(as name written on the ATM card,
It has been observed that in many cases, Card Holder
name is written Sate Bank Customer ,then you can
write “State bank Customer” in the Card Holder
name Section)
then Click on Make Payment
This window will open

Step 8:
Enter One Time
Password (OTP)
received on Your
Mobile, then
Click on Make Payment
(After Clicking it, 100 Rs will be
deducted from your bank account
and 100 Rs will credited to your
Digital Purse (i.e SBI Buddy Wallet))
It will ask for OTP, Which has
been sent to your registered
mobile number of bank account

Congratulation!
You have Successfully added 100 Rs. in your
SBI Buddy Wallet!
And You will also received one message on
your mobile of saying that 100 Rs has been
added in your SBI Buddy Wallet.
Now, you can use this
wallet to pay money,
recharge mobile and other
stuffs.

Step 1: Click on Pay Now
How to Pay Money to any Merchant/Vendor ?
(Vendor must use SBI Buddy Wallet to received the money)

It will ask to Enter Mobile number
(vendor or to whom you want to pay
money)
Step 2: If vendor has QR
code,
then click on camera to
scan the QR code (It will
automatically fetch the merchant
mobile number or name)
otherwise
1. Enter the
mobile number of
vendor/merchants
manually,
2. purpose of
payments
(in Description section, for ex-
Milk, Choclate, Gift) and
3. Enter the Amount
you want to Pay
then click on
Submit
(If you have any coupon code, then you
can enter the code otherwise you can skip
the coupon code)

Step 3: Click on
Continue
(You may fill the description again that the
purpose of paying)
Enter the SBI Buddy Wallet 4 digit Pin
to confirm the payment, Click on
Confirm

Congratulations!
Payment is Successfully Completed
You will receive a SMS of balance transferred and in the SBI
Buddy wallet, 1 Rs. will be deducted.

Similarly,
1.You can send money to
any of your friends and
relatives,
2.Recharge Bill and
Payments
It is easy, fast and secure with 4 Digit Pin
before final confirmation of payments.

Quickly see, how to send money to your friends/relatives?
1. Click on
Send Money
2. Enter the mobile
number
of friends to whom you
want to send money
(if it is saved in your phone
directory,
then search the number by his name)

Mobile Number is entered
Step 3: Enter the Purpose of
sending Money
(if you do not want to give description then you
may skip it)
Step 4: Enter the SBI Buddy Wallet
4 digit Pin for the confirmation
( After click on Confirm, payment will be sent and
your balance will be deducted from your wallet as
shown in the previous slides)

How to Recharge Mobile ?
Step 1: Click on Recharge and Bill Pay

Step 2: Enter Mobile Number, Select Operator and Circle,
(If it fetches wrong mobile operator, you can manually select your mobile operator)
Step 3: Enter the Amount of Recharge, Click on Continue
(it can be talk-time, SMS pack or internet Recharge,
You may click on Traffic Plans to see the talk time offer on your mobile number (As shown in the image))

Step 4: Verify the Mobile Number, Click on Pay Now, Click on Continue,
Step 5: Enter the SBI Buddy Wallet 4 digit Pin to confirm the payment

Congratulations!
Recharge has been successfully completed
This Message will received on your mobile.
Click on Confirm

Click on
this Icon
Further, you can also check your transaction history, update your profile,
change SBI Buddy 4 digit Pin, transfer wallet balance to your bank account and many more
(Some screen shots are attached to show you the facilities of SBI Buddy wallet)

Transaction History Account Profile Update Transfer balance to Bank Account

Steps of Paytm WalletTo configure Paytm in your mobile, all steps are similar to the SBI Buddy wallet what we learnt in the earlier slides.
You can follow the instruction step by step in the next slides.
Image taken from : http://stuffonix.com/paytm-wallet-transfer-money-steps/

Step 1: Open Google Play
Store from your smart phone
Step 2:Type “Paytm” and
click “Enter”
Click on Payment ,Wallet & Recharge Icon below

Step 3: Click on Install, Accept then click on Open Wallet

Step 3: Select language English/Hindi
according to your comfort mode, then
Click “Continue”
Step 4:You may allow or
deny this step

Similarly, you may allow or deny
(This will not interrupt or refuse you to access of Paytm Services)

Step 5:
Enter Your Mobile
Number, Email
id(optional)
and password
Click on Sign Up

Step 6: Enter the OTP which you received
after click on Signup
(Wait for one minute if you do not received OTP)

This will be Initial Screen that will come up, that shows your account
details with initial balance,
Step 7: Click on Add Money

Step 8: Enter the Amount you
want to ADD in the wallet,
then Click on Add Money
Step 9: Select the mode of payment gateway Debit
card/Credit card or Net Banking,
(By default Debit card gateway will come up Enter the Amount you want to ADD
in the wallet)
This is the web browser interface of adding money in Paytm. Due to some
technical error in apps, I am showing it in web browser

Step 10: Enter the Debit card Details, Click
on Pay Now

Step 11: Enter the One Time Password (OTP) which you
received in your mobile, click on Submit

This shows that your payment is completed and Paytm wallet is credited.
(You can see on the top your current updated Paytm wallet balance)

Recharge You Mobile using Paytm Wallet (New User 20 Rs Free Recharge Gift)
Step 1: Click on Mobile
Prepaid
Step 2: Enter your mobile number
and recharged amount 20 Rs.,
Click on Proceed to recharge

Step 3: Click on
Have A Promo Code
Step 4: Enter “FIRST20” in
Promo Code, Click to Apply
Then Click on “Proceed to Pay 20 Rs”
Congratulations!
Your recharge will be successful!

This is the summary of overall process of wallets configuration
in your smart phone

So, we have learnt that How various Digital wallets Work, I am
summarizing the concept of Digital Wallet, finding some analysis below
Let’s assume, this
is any Bank such as
SBI, PNB, Axis,
OBC etc.
(I have considered SBI
bank to explain the
concept)
This is user
who has
account in
above bank.
This is different Digital Wallets like SBI Buddy, Paytm, Mobikwik and so on..
User can’t send money form Paytm wallet to other SBI Buddy wallet user, End to End user must require same company’s eWallet
such as Paytm-Paytm, SBI Buddy-SBI Buddy etc. (UPI facility also solve this issue)
Load money
to eWallet
Transfer wallet’s
money back to
bank Account
No direct transaction between
bank to bank
(UPI facility solve this issue)
Icons are taken form google images
This is user
who has
account in
above bank.

Requirement:
1.Smart Phone
2.Internet
A new way of instant transfer money from one bank to another bank

Unified Payment Interface
( UPI)

Copy this link to watch this video: https://youtu.be/uspZuI4AHXg

Step-1
Download “BHIM” app from
Google Play Store
BHIM: Bharat Interface for Money

Step-2
Install and then Click on Open

Step-3
Choose Language and Then Click on Next

Step-4
Click on Next, Next and Lets Get Started

Step-5
Click on Allow, Allow and and select Mobile Type
(if you are dual SIM user, select the SIM slot of mobile number which are registered with bank account)

Step-6
Click on Complete action using Messaging,
wait for a minute, Mobile verification will complete in sometime
(To verify Mobile number, Minimum balance should be required in your phone for SMS charge)

Step 6:
Enter (set) 4 digit app password
(require to open the BHIM app),
Re-Enter the same password in the
next

Step 7:
Select the Bank
which you want to add ,
Then click on Next
(In my case, I have used SBI bank account)
(Multiple account can also
be added at later stage)

Step 8:
Select any one Bank
Account which you
want to use regularly
Then, for doing
transaction , you need
to create 6 digit UPI PIN
Click on Set UPI PIN
UPI PIN is 6 digit pin which is need
to create for financial transaction
confirmation like ATM Pin which
user needs to keep it secret
It will automatically fetch your
all account associated with the
registered mobile number

Step 9:
Enter the last six digits
of your ATM card
Then enter Expiry or
valid through date
Then, Enter OTP (One
Time password will be
received)
Then Enter(Set/Create)
Six digit UPI password

Step 10:
Then Enter(Set/Create)
Six digit UPI password
Re-Enter again,
Click on Submit,
Congratulations!
UPI PIN is successfully
created

Click on Profile to check your virtual address
(Your Virtual Address is automatically Created)
This is your
Virtual payment
address
(which will be acting as an account
number i.e your mobile number
becomes your bank account
number if any other person is
registered on UPI, you need to
only share this virtual address to
receive payments from any users)

Send Money to your any Friends/Relatives/Vendors using UPI
Step 1: Click on
Send
Then, Enter the
Mobile Number or
Virtual Payment
Address of receiver

One you enter the Mobile number of any users, it will ask to verify
whether this number is registered on any UPI service or not, then
Click on Verify
It will verify the UPI users
and this screen will pop
up (as shown in the
image)
Step 2: Enter the amount
and remarks
(Remarks: purpose of payment
like Grocery, Fee, Loan, Milk etc.)
then click on pay

Step 3:
Enter UPI Pin to confirm your payment and then payment will be successfully completed.
Congratulation!

You can see the Transaction History

If receiver is not using any UPI app?
Step 1: Click on
Send
Then, Click on
this icon

Step 2: Click on Account + IFSC
Then, enter the details of
beneficiary/receiver
(to whom you want to send money)
then click on send
Enter the Amount, and Remarks,
click on Pay, Enter the UPI PIN,
and then Submit
(Your money will be transferred)

Step-1 Download “SBI Pay”
app from Google Play Store
In the Same way, ALL other UPI app work, I am also giving demonstration on SBI Pay UPI

Step-2
Open “SBI Pay
App” and
Click on Accept

Step-1 Download “SBI Pay” app from Google Play Store
Step-3
Click on “Yes”

Step-4
UPI Registration:
Choose your unique id such as
Aadhar no. or mobile no. as
Unique Virtual address then
Enter your First Name, Last
Name
For Example, This is my
unique virtual address
with mobile number i.e.
“8586968801@sbi” which
I can remember easily

Step-5
UPI Registration:
Enter your First Name,
Last name, Email Id,
choose Secret
Question, Select bank,
Click on check box,
then click on “Next”

Step-6
UPI Registration:
Verify your
information and Click
on “Register”

Step-7
UPI Registration:
Enter the Six Digit
Password and Answer
of Secret Question
then
Click on
“Set App Password”

Step-8
Open SBI Pay App
and
Enter the Six Digit App
Password

Step-9
Set UPI Pin which is
required for all
transaction
like ATM Pin
Click on “Set UPI PIN”
If you ignore, later you can set UPI PIN
in Account Management sections
before starting any transaction

Step-10
Select Account From
Drop Down List,
Enter the Last 6 digits
of Debit card Details,
(See your debit card)
then
Enter the Expiry Date
then Click on “Submit”

Congratulation! Your UPI Registration is Completed.
Welcome to the Unified payment of
Interface of SBI
Click on
“Pay”
to send money
to other
UPI users

Select Your
Account From
Drop Down List
(Drop down list will be
shown to you only when
you have multiple account)

If You Select Payee Address
type is UPI then
Enter
1. Payee Virtual Address
2. Payee name
3. Remarks (Purpose of
Sending),
4. Transaction Amount,
5. Click on ”Pay”
Before final confirmation, it will ask for
MPIN then after entering the MPIN then
payment will be successful.
Other wise,
If You Select Payee Address
type is other mode then
Enter
1. Payee Account Number
2. Payee IFSC code
3. Remarks (Purpose of
Sending),
4. Transaction Amount,
5. Click on ”Pay”

Summary of Over all UPI process

Don’t have Smart Phone?
(Still you can transfer money, Let see How in next few slides)

USSD based Mobile Banking
For all users (No Internet and Smart Phone Required)
(USSD: Unstructured Supplementary Service Data )

Copy this link to watch this video: https://youtu.be/ORn16jn-3-A

USSD Registration for ALL bank Users
Step -1
Dial- *99#
(from your basic feature phone)
Wait for next menu to appear

USSD Registration for ALL bank Users
Step -2
Enter option 7
(UPI PIN )
New users require to first create
UPI pin for doing any kind of
transaction using USSD service

Step 3: Select option 1
to set UPI pin

Step 4:
Enter the Debit card last six digit
number and expiry date/valid through
date after single space as shown in
example
After Click on Send,
it will ask to enter any six digit
number to create UPI Pin
(Remember, UPI Pin is needed to confirm
the final payment similar to like ATM pin
confirmation. So, it is advised to everyone
that do not disclose this six digit number
to any one)
Then after, UPI pin will be
created.

Lets Send Money to your friend
Step 1: Dial *99#
Select(type)
option 1 to send
money,
Click on “Send”

Step 2: Select the
mode through
which you want to
transfer money,
let select (type) 2
(Use ‘2’ option only when
beneficiary is using any UPI
app or BHIM app)
and
Click on “Send”

Step 3:
Enter the
virtual payment address of receiver
(as shown in example)

Step 4:
Enter the Amount in Rs.
Click on Send
If virtual payment address
is correct then this
window will pop up
otherwise technical error
will be flashed

Step 5:
Enter the 6 digit UPI Pin to
confirm the payment
Then, click on Send
Congratulation!
You have successfully
sent the money to receiver.
You may save the contact or exit.

Let Transfer money through beneficiary Mobile number and MMID
(work for old user)
Step 1: Dial *99#
to Send Money
to send money using
MMID and Mobile number
(This service is available for
only old users who have MMID
number)

Let Transfer money through Mobile number and MMID
Step 4: Enter the MMID
number of receiver
Step 5: Enter the mobile
number of receiver
(This service is available for
only old users who have MMID
number)

Step 6: Enter Amount Step 7: Enter 6 Digit UPI Pin to confirm the payment
Congratulation!

Aadhar Enabled Payment System(AEPS)

Copy this link to watch this video: https://youtu.be/UGMSa4BSJp8

Point of Scale (POS)

Copy this link to watch this video: https://youtu.be/LUb9NZQh718

Copy this link to watch this video: https://youtu.be/vNc8ytgKVjE

Thank You!Any query, or to deliver this training at your college, you may write on : gaurav37_scs@jnu.ac.in/gauravsp1988@yahoo.com
Reference:
All Videos are taken from: https://transformingindia.mygov.in/all-videos/
All Animated Images are taken from: http://mhrd.gov.in/visaka
Some images in slides are taken from these sources: https
://www.sbi.co.in/portal/web/services/state-bank-buddy
http://mhrd.gov.in/visaka
https://transformingindia.mygov.in/wp-content/uploads/2016/11/Cashless-Transaction-English.pdf
Thanks to Mobizen developer for proving good UI for projecting my mobile screen on desktop.

Training presentation on How to use BHIM SBI Pay UPI, SBI Buddy/Paytm wallet and USSD payment methods

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Training presentation on How to use BHIM SBI Pay UPI, SBI Buddy/Paytm wallet and USSD payment methods