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Introduction |
In case of online mode of registration of internet banking facility, one of the important step is user authentication. The bank can have authentication step in main flow (online) as well as inquiry flow. Following modes of authentication is possible.
When Credit Card is used as authentication mode following details are required to be filled in by the user. The details to be provided by the user are Card Number, ATM PIN and Expiry Date. Currently there is no host API to do a validation of Credit Card with CRM, no validators are there in the page and the user can enter the details of his choice When Debit Card is used as authentication mode following details are required to be filled in by the customer. Name on Card, Card Number, ATM Pin. If OTP is used as authentication mode, when continue button is clicked in the screen before authentication screen, immediately an OTP will be generated which will be picked from ALDT table and dispatched to the registered mobile number of the customer through alert services. In ‘access code’ field the user will have to enter the OTP received on the registered mobile number from the bank. e-Banking provides secure pin value along with CIF id details in registration screen. The purpose of capturing secure pin in registration screen is that it can be used as an authentication field while doing inquiry. Normally secure pin as an authentication will be done in inquiry flow. When secure pin is configured as authentication mode in inquiry flow, the customer will have to provide the secure pin in the resultant screen and the secure pin entered here should be the same as provided while registering for internet banking facility. |