The facility of Mobile Banking through J2ME Application works on a secured, menu based and user friendly J2ME technology, which is compatible to all GPRS/Java enabled mobile phones (Java version MIDP 2.0 and above) using both SMS & GPRS modes.
Who is eligible ?
The customers, who want to avail the facility, should request his home Branch for enabling the Mobile Banking facility.
What is SMS PULL and J2ME Mobile Banking?
SMS Pull is the Normal Text Request sent to the predefined Mobile Number (Those who are not having Java Enabled Mobile Phones). In J2ME Mobile Banking , users have to download and install the J2ME MIDP Application in their mobile phones. This J2ME mobile application is GUI and menu driven application.
What is J2ME Mobile Banking in GPRS MODE and SMS Mode?
In application based J2ME Mobile Banking there are two types of communication happening from the mobile application to CUB Server. In GPRS Mode the users have to enable the GPRS facility (GPRS is Internet Connection provided by the Service Provider for Mobile phones). J2ME Application in SMS mode the communication between the Client Mobile and CUB Server happen through encrypted SMS.
Downloading the Application:
The URL link for application download will be sent to the customer’s mobile when the customer application is processed successfully. They have to select the application GPRS Mode / SMS Mode for downloading. The J2ME Mobile banking application can also be downloaded from the bank’s website directly using their PC/Laptop and then transferred to the Mobile Phone using Data Cable or Bluetooth..
Registration of J2ME Application:
To install the J2ME application in the mobile handset, the customer opens the application and the registration process will start automatically wherein the customer needs to enter the Customer ID & 4 digit numeric MPIN. The customer will register the 6 digit application password as per his choice. Upon successful validation of MPIN, Customer ID & the Mobile No, the system starts registration and synchronization of linked accounts and added beneficiary accounts will happen automatically.