DOCSLIB.ORG

Account Statement from 1 Mar 2021 to 4 Aug 2021

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Account Statement from 1 Mar 2021 to 4 Aug 2021 Account Name :Mr. PANKAJ RAI Address : RAKSHA JHANSI-284003 Jhansi Date :4 Aug 2021 Account Number :00000032853851272 Account Description :REGULAR SB CHQ-INDIVIDUALS Branch :SIPRI BAZAR JHANSI Drawing Power :0.00 Interest Rate(% p.a.) :2.7 MOD Balance :0.00 CIF No. :86636778784 IFS Code :SBIN0004566 (Indian Financial System) MICR Code :284002006 (Magnetic Ink Character Recognition) Nomination Registered :Yes Balance as on 1 Mar 2021 :9,194.14 Account Statement from 1 Mar 2021 to 4 Aug 2021 Txn Date Value Description Ref No./Cheque Debit Credit Balance Date No. 1 Mar 2021 1 Mar 2021 BY TRANSFER- TRANSFER 10,000.00 19,194.14 UPI/CR/106028632548/SATISH FROM /SBIN/9454358799/Payme- 4898942162094 1 Mar 2021 1 Mar 2021 BY TRANSFER- TRANSFER 6,970.00 26,164.14 UPI/CR/106006071787/SATISH FROM /SBIN/9454358799/Payme- 4899323162092 1 Mar 2021 1 Mar 2021 TO TRANSFER-INB LT010317146422 19,300.00 6,864.14 IMPS/P2A/106017612652/XXX 8MOAEBDAKB0 XXXX038UTKSGoods purc- TRANSFER T 1 Mar 2021 1 Mar 2021 BY TRANSFER- TRANSFER 10,000.00 16,864.14 UPI/CR/106065762698/BRAJ FROM MOH/SBIN/9198636215/Payme 4898941162095 - 2 Mar 2021 2 Mar 2021 TO TRANSFER- TRANSFER TO 9,300.00 7,564.14 UPI/DR/106171192690/Arun 5097612162093 Pra/INDB/im.2010061/Payme- 2 Mar 2021 2 Mar 2021 TO TRANSFER- TRANSFER TO 300.00 7,264.14 UPI/DR/106164629817/Arun 5097639162092 Pra/INDB/im.2010061/Payme- 2 Mar 2021 2 Mar 2021 TO TRANSFER- TRANSFER TO 1,000.00 6,264.14 UPI/DR/106197903216/Paytm/ 5097616162099 PYTM/paytm-ptmb/Oid12970- 3 Mar 2021 3 Mar 2021 BY TRANSFER- TRANSFER 3,000.00 9,264.14 UPI/CR/106266548088/Satish FROM R/INDB/8354008664/Payme- 4899347162094 3 Mar 2021 3 Mar 2021 TO TRANSFER- TRANSFER TO 6,000.00 3,264.14 UPI/DR/106208905769/LazyPa 5097713162098 y /INDB/lazypayrep/Upi T- 3 Mar 2021 3 Mar 2021 BY TRANSFER-INB MAB00069760425 6,000.00 9,264.14 IMPS106209751146/79054219 6 81/XX0783/Marchent k- MAB00069760425 6 3 Mar 2021 3 Mar 2021 TO TRANSFER- TRANSFER TO 1,240.00 8,024.14 UPI/DR/106212679729/Paytm 5097732162095 Po/PYTM/paytm-post/Oid12- Txn Date Value Description Ref No./Cheque Debit Credit Balance Date No. 3 Mar 2021 3 Mar 2021 TO TRANSFER- TRANSFER TO 1,200.00 6,824.14 UPI/DR/106226274694/R K 5097730162096 HOTE/SBIN/8114469359/Paym e- 3 Mar 2021 3 Mar 2021 TO TRANSFER- TRANSFER TO 1,000.00 5,824.14 UPI/DR/106263676168/SATISH 4898850162096 /SBIN/9454358799/Payme- 3 Mar 2021 3 Mar 2021 ECS/ACH RETURN CHG-PayU 38976288 295.00 5,529.14 Pay NACH FAIL INSUF BAL SBIN7011802210009539- 38976288 3 Mar 2021 3 Mar 2021 BY TRANSFER- TRANSFER 25,000.00 30,529.14 UPI/CR/106229065099/MADAN FROM K/IOBA/harshrai59/Payme- 5098958162090 3 Mar 2021 3 Mar 2021 BY TRANSFER- TRANSFER 6,000.00 36,529.14 UPI/CR/106227485766/MADAN FROM K/IOBA/harshrai59/Payme- 4898957162097 3 Mar 2021 3 Mar 2021 TO TRANSFER-INB LT030317589489 33,200.00 3,329.14 IMPS/P2A/106217787561/XXX 4MOAEBNCIH4 XXXX038UTKSGoods purc- TRANSFER T 3 Mar 2021 3 Mar 2021 TO TRANSFER- TRANSFER TO 227.25 3,101.89 UPI/DR/106246049843/SWIGG 5097706162096 Y/YESB/SWIGGY8@yb/Payme nt- 3 Mar 2021 3 Mar 2021 TO TRANSFER- TRANSFER TO 191.75 2,910.14 UPI/DR/106206448105/Zomato 5097712162099 /PYTM/zomato-ord/Payment- 4 Mar 2021 4 Mar 2021 TO TRANSFER- TRANSFER TO 559.13 2,351.01 UPI/DR/106379074227/Razorp 5097815162092 ay/ICIC/zomatoindi/Payme- 4 Mar 2021 4 Mar 2021 TO TRANSFER- TRANSFER TO 1,200.00 1,151.01 UPI/DR/106344038265/Paytm/ 4898744162099 PYTM/add-money@/Oid12965- 4 Mar 2021 4 Mar 2021 BY TRANSFER- TRANSFER 2,100.00 3,251.01 UPI/CR/106357317051/Arvind FROM K/SBIN/8269608666/Payme- 5099078162092 4 Mar 2021 4 Mar 2021 BY TRANSFER- TRANSFER 4,100.00 7,351.01 UPI/CR/106344044916/RAJEN FROM DRA/INDB/rajendra.r/Payme- 5099045162090 4 Mar 2021 4 Mar 2021 DEBIT-ACHDr 3,876.00 3,475.01 NACH00000000005256 HINDUJAHOUSING- 4 Mar 2021 4 Mar 2021 TO TRANSFER- TRANSFER TO 1,900.00 1,575.01 UPI/DR/106303274127/ARJUN 4898857162090 /KKBK/Q27580297@/Payme- 5 Mar 2021 5 Mar 2021 TO TRANSFER- TRANSFER TO 1,300.00 275.01 UPI/DR/106405569795/R K 5097898162094 HOTE/SBIN/8114469359/Paym e- 6 Mar 2021 6 Mar 2021 DEBIT-ATMCard AMC 147.50 127.51 510372*3768 CLASSIC- 8 Mar 2021 8 Mar 2021 BY TRANSFER- TRANSFER 20,000.00 20,127.51 UPI/CR/106739488386/BRAJ FROM MOH/SBIN/9198636215/Payme 5098863162097 - 8 Mar 2021 8 Mar 2021 ATM WDL-ATM CASH 4664 9,000.00 11,127.51 RAKSHA BRANCH DISTRICJHANSI- 8 Mar 2021 8 Mar 2021 ATM WDL-ATM CASH 4665 9,000.00 2,127.51 RAKSHA BRANCH DISTRICJHANSI- 8 Mar 2021 8 Mar 2021 ATM WDL-ATM CASH 4666 2,000.00 127.51 RAKSHA BRANCH DISTRICJHANSI- 10 Mar 10 Mar BY TRANSFER-INB MAA00071592178 20,000.00 20,127.51 2021 2021 IMPS106911883028/83540086 4 64/XX0038/P2AOutward- MAA00071592178 4 10 Mar 10 Mar TO TRANSFER- TRANSFER TO 18,500.00 1,627.51 2021 2021 UPI/DR/106948283629/RAJEN 5099546162091 DRA/INDB/rajendra.r/Payme- Txn Date Value Description Ref No./Cheque Debit Credit Balance Date No. 10 Mar 10 Mar TO TRANSFER- TRANSFER TO 1,221.15 406.36 2021 2021 UPI/DR/106911916303/ZipCas 4898740162092 h /INDB/olamoney.p/UPI- 10 Mar 10 Mar BY TRANSFER-INB MAC00067752378 20,000.00 20,406.36 2021 2021 IMPS106911883053/83540086 9 64/XX0038/P2AOutward- MAC00067752378 9 10 Mar 10 Mar TO TRANSFER- TRANSFER TO 20,000.00 406.36 2021 2021 UPI/DR/106927124195/RAJEN 5097772162098 DRA/INDB/rajendra.r/Payme- 10 Mar 10 Mar BY TRANSFER-INB MAA00071601875 1.00 407.36 2021 2021 IMPS106912023014/97621483 6 73/XX0002/Account va- MAA00071601875 6 10 Mar 10 Mar BY CLEARING / CHEQUE-ICI 266774 2,70,000.00 2,70,407.36 2021 2021 266774 MICR 400229022 09- Mar-21 284002008-266774 10 Mar 10 Mar BY TRANSFER- TRANSFER 45,000.00 3,15,407.36 2021 2021 UPI/CR/106943223777/JAIYAN FROM TI/SBIN/jeeturai01/Payme- 5098989162094 10 Mar 10 Mar TO TRANSFER-INB LT100315125346 45,000.00 2,70,407.36 2021 2021 IMPS/P2A/106915738110/XXX 0MOAECNELF8 XXXX038UTKSLoan repay- TRANSFER T 10 Mar 10 Mar BY TRANSFER-INB MAC00067790831 1.00 2,70,408.36 2021 2021 IMPS106918936213/99999999 7 99/XX6178/CAMDEN TOW- MAC00067790831 7 10 Mar 10 Mar TO TRANSFER- TRANSFER TO 23,085.00 2,47,323.36 2021 2021 UPI/DR/106948766805/SUNIL 5097771162099 KU/IBKL/9235276112/Payme- 10 Mar 10 Mar TO TRANSFER-INB LT100321042920 1,55,000.00 92,323.36 2021 2021 IMPS/P2A/106921507080/XXX 6MOAECOTCT6 XXXX038UTKSLoan repay- TRANSFER T 10 Mar 10 Mar TO TRANSFER- TRANSFER TO 671.00 91,652.36 2021 2021 UPI/DR/106921044022/Bank 5097750162092 Acc/INDB/2010061867/Payme- 10 Mar 10 Mar BY TRANSFER- TRANSFER 400.00 92,052.36 2021 2021 UPI/CR/106951819220/SHAILE FROM SH/ICIC/7905421981/Payme- 5099009162093 11 Mar 11 Mar TO TRANSFER-INB LT110308496965 90,000.00 2,052.36 2021 2021 IMPS/P2A/107008624475/XXX 5MOAECPLXN5 XXXX393IOBALoan repay- TRANSFER T 11 Mar 11 Mar TO TRANSFER- TRANSFER TO 400.00 1,652.36 2021 2021 UPI/DR/107026573072/Bank 5099563162091 Acc/INDB/2010061867/Payme- 11 Mar 11 Mar TO TRANSFER-INB Transerv 1390984298IGAK 99.00 1,553.36 2021 2021 Pvt Ltd- SDJAA2 TRANSFER TO 459 11 Mar 11 Mar TO TRANSFER-INB E mandate 6372865630b1443 59.00 1,494.36 2021 2021 - fb6eb8681cIGAKS DJIG5 12 Mar 12 Mar TO TRANSFER- TRANSFER TO 50.00 1,444.36 2021 2021 UPI/DR/107118263361/UNIQU 4898286162098 E I/INDB/resident.u/Upi T- 12 Mar 12 Mar by debit card-OTHPG 421455 348.86 1,095.50 2021 2021 PAYTM Noida- 13 Mar 13 Mar TO TRANSFER- TRANSFER TO 240.00 855.50 2021 2021 UPI/DR/107254746905/The 5098004162095 impe/PYTM/paytmqr281/Payme - 13 Mar 13 Mar TO TRANSFER- TRANSFER TO 150.00 705.50 2021 2021 UPI/DR/107269519890/Agarwal 5097989162092 /YESB/Q34669685@/Payme- 13 Mar 13 Mar BY TRANSFER-INB MAA00071932176 1.00 706.50 2021 2021 IMPS107220670169/00000000 0 00/XX1214/L93764E2TR- MAA00071932176 0 14 Mar 14 Mar CSH DEP (CDM)-8934996989- 49,000.00 49,706.50 2021 2021 14 Mar 14 Mar CDM SERVICE CHARGES-- 38976288 25.00 49,681.50 2021 2021 38976288 Txn Date Value Description Ref No./Cheque Debit Credit Balance Date No. 14 Mar 14 Mar CSH DEP (CDM)- 49,000.00 98,681.50 2021 2021 CDM0040104SIPRI BAZAR RECYCLER IJHANSI UP IN - 14 Mar 14 Mar BY TRANSFER- TRANSFER 25,000.00 1,23,681.50 2021 2021 SBILT14032021144324876540 FROM -Gift- 37363673129 14 Mar 14 Mar BY TRANSFER-doing the funds TRANSFER 32,000.00 1,55,681.50 2021 2021 transfer- FROM 37363673129 14 Mar 14 Mar BY TRANSFER- TRANSFER 15,000.00 1,70,681.50 2021 2021 SBILT14032021145410688714 FROM -Gift- 20324700518 14 Mar 14 Mar TO TRANSFER-INB UP ABK210211765IK 1,68,365.00 2,316.50 2021 2021 CYBER TREASURY- 0BANNUM0 TRANSFER TO 3 14 Mar 14 Mar BY TRANSFER-doing the funds TRANSFER 500.00 2,816.50 2021 2021 transfer- FROM 37363673129 15 Mar 15 Mar BY TRANSFER-INB MAB00070844024 5,000.00 7,816.50 2021 2021 IMPS107321893333/83540086 3 64/XX0038/P2AOutward- MAB00070844024 3 15 Mar 15 Mar TO TRANSFER-INB Gift to IT00EEXJI6 4,000.00 3,816.50 2021 2021 relatives / Friends- TRANSFER TO 20324700518 15 Mar 15 Mar BY TRANSFER-INB MAC00068181606 9,000.00 12,816.50 2021 2021 IMPS107322005687/89349969 3 89/XX6716/- MAC00068181606 3 15 Mar 15 Mar TO TRANSFER- TRANSFER TO 8,000.00 4,816.50 2021 2021 SBILT14032021222258863784 20324700518 -Gift- 15 Mar 15 Mar TO TRANSFER- TRANSFER TO 1,140.00 3,676.50 2021 2021 UPI/DR/107408632610/GET 5097548162094 SIMP/HDFC/getsimpl.r/UPI- 15 Mar 15 Mar TO TRANSFER- TRANSFER TO 399.00 3,277.50 2021 2021 UPI/DR/107420527693/Disney 5097535162099 H/YESB/HOTSTARONL/Payme - 15 Mar 15 Mar DEBIT-ACHDr 125.00 3,152.50 2021 2021 NACH00000000006006 RBL- 15 Mar 15 Mar BY TRANSFER-INB Refund of 13909842981IXG 99.00 3,251.50 2021 2021 IGAKSDJAA2- AVVNEF6 TRANSFER FROM 16 Mar 16 Mar BY TRANSFER-INB MAA00072128850 1.00 3,252.50 2021 2021 IMPS107423481725/00000000 5 00/XX1214/OOIONFW7X2-
Load more

Recommended publications
  • Business Update and Results Presentation to Investors and Analysts Agenda
    HSBC Holdings plc Business Update and Results Presentation to Investors and Analysts Agenda 4Q & FY19 results Business update Restructuring for growth Financial implications Conclusion 4Q19 performance 4Q19 highlights 1 4Q19 reported loss before tax of $3.9bn impacted by a goodwill impairment1 of $7.3bn 4Q19 adjusted revenue up 9% to $13.6bn vs. 4Q18 and adjusted PBT up 29% to $4.3bn vs. 4Q18 2 Hong Kong 4Q19 adjusted PBT up 3% to $2.6bn Cost discipline: 4Q19 adjusted costs of $9.1bn, up 3.2% vs. 4Q18. 2H19 adjusted costs (excl. bank 3 levy) down 2.1% vs. 1H19 4 CET1 ratio further strengthened by 0.4ppts vs. 3Q19 to 14.7% driven by RWA reductions of $22bn A reconciliation of reported results to adjusted results can be found on slide 46. The remainder of the presentation, unless otherwise stated, is presented on an adjusted basis 3 FY19 performance Strong performing franchises: FY19 selected highlights Hong Kong revenue up 7% to Revenue up 9% to $23.4bn, PBT up $19.4bn, PBT up 5% to $12.1bn 15% to $8.0bn Asia excl. Hong Kong revenue up 8% 2 RoTE of 20.5% Asia to $11.0bn RBWM $16bn growth in mortgage book in Asia GB&M revenue up 7% to $7.1bn the UK (up 7%) and Hong Kong (up 9%) RoTE2 of 15.8% 1.5m increase in active customers, up 4% to 39.4m Revenue up 8% to $2.9bn, adjusted MENA PBT up 3% to $1.6bn PBT up 19% to $0.4bn GPB RoTE2 of 12% Net New Money of $23bn Revenue up 3% to $8.4bn Revenue up 6% to $15.3bn RoTE2 of 9.9% RoTE2 of 12.4% CMB UK RFB Mortgage balances up 7% to $134bn; Loans and advances to customers up stock market share of
    [Show full text]
  • Annexure4.Pdf
    260 172826/2018/SO(COMPUTER CELL) File No.21(8)/2016-Comp No.21(8)/2016-Comp. Cell Government of India Ministries of Consumer Affairs,Food & Public Distribution Department of Food & Public Distribution ******** Krishi Bhavan, New Delhi Dated 11Th May, 2018 To Secretary/Principal Secretary, Department of Food & Civil Supplies, All States fUTs. Subject:-Publicizing of MDR waiver and revised BHIM incentive Schemes-reg. Madam/Sir, Please find enclose herewith a copy of D.O.letter No.12(23)/2017-DPD dated 26.4.2018 received from Ministry of Electronics and Information Technology (MeitY) on the subject mentioned above. As per information, GOI vide Gazette Notification No.6(19)/2017-DPD-1 dated 27.12.2017 has waived off Merchant Discount Rate (MDR) applicable on Debit Card/BHIM UPI/ Aadhaar-Pay transactions less than or equal to Rs. 2000/- in value for a period of two years with effect from 1st January, 2018. In the matter this Department has already written to all States/U'Is for adoption/promote digital transactions in PDS vide D.O. letter of even number dated 13/03/2018 (attached). It has further intimated by MeitY that GOIhas recently revised and extended the following incentive schemes w.eJ. 1st April, 2018 till 31st March, 2019 for promotion and wider adoption of digital payment:- (i) BHIM cashback scheme for individuals. (ii) BHIM incentive scheme for merchants. (iii) BHIM Aadhhar merchant incentive scheme. 2. It is requested that waiver of MDR charges and revised BHIM incentivization schemes may be disseminated and widely publicized in your State/U'I' through States PDS portal to promote and adoption of digital cashless transactions.
    [Show full text]
  • The First Step of the Payment Systems Roadmap No.4 Bank of Thailand a the First Step of the Payment Systems Roadmap No.4
    Payment Systems Report 2019 Systems Report Payment Payment Systems Report 2019 BOT Payment Annual Report 2562/2019 Bank of Thailand The First Step of the Payment Systems Roadmap No.4 Bank of Thailand A The First Step of the Payment Systems Roadmap No.4 Payment Systems Report 2019 B Payment Systems Report 2019 Bank of Thailand 1 The First Step of the Payment Systems Roadmap No.4 Executive Summary Amidst the transition into the digital era, the Bank of capability in transmitting richer business data along Thailand (BOT) has pushed forward payment systems with payment transactions, paving the way for policies and payment innovation to continually the Innovation framework or enhancing payment promote efficient, stable, and secure Thai payment services with innovations and modern technologies systems in pursuit of digital payments. The ongoing involved the introduction of the Thai QR payment efforts have resulted in the steady advancement of standard with MyPromptQR, the first payment the Thai payment systems as laid out by the previous service to adopt ISO 20022 that allows merchants three Payment Systems Roadmaps. to scan customers’ QR code, and the promotion of The year 2019 marked the “first step” of the cross-border payment systems connectivity through Payment Systems Roadmap No.4., which aims to QR payments with Singapore, Lao PDR, and Japan. create an ecosystem conducive for digital payments Further, modern technologies such as biometrics and to be the most preferred choice for the Thais within Blockchain technology were unleashed to enhance a three-year time frame (2019-2021) through 5 payment services and supplement with regulations strategic development frameworks.
    [Show full text]
  • Cmdrfdonation.Pdf
    Reminiscences on implementation from the war-room – The donation platform for Chief Minister’s Distress Relief Fund i FOREWORD The Chief Ministers Distress Relief Fund (CMDRF) is a unique e-governance application developed by Centre for Development of Imaging Technology (C-DIT) as a part of the Chief Ministers Office (CMO) Suite. This is eventually envisaged as an integrated monitoring and decision support tool for innovative policy interventions. The donation portal was developed a sequel to the CMO suite in the context of the August’18 natural calamity and has contributed substantively to the efforts towards rebuilding Kerala. The effort was unique in that it could bring together several partner banks, partner technology companies, start-ups, and individuals many of whom worked pro-bono. The solution had withstood tough weather and has shown its metal. I am happy that the endeavour has been systematically documented so that the product could be evaluated and further improved. M Sivasankar IAS Director, C-DIT Centre for Development and Imaging Technology (C-DIT) V 7.0 Reminiscences on implementation from the war-room – The donation platform for Chief Minister’s Distress Relief Fund ii Centre for Development and Imaging Technology (C-DIT) V 7.0 Reminiscences on implementation from the war-room – The donation platform for Chief Minister’s Distress Relief Fund iii ACKNOWLEDGEMENT The Finance Department Government of Kerala had entrusted the responsibility of developing a donation portal for the Chief Minister’s Distress Relief Fund on 11 August 2018. The donation portal is the outcome of a systematic effort by C-DIT during the last two months.
    [Show full text]
  • How Do Mobile Digital Payments Work?
    How do mobile digital payments work? There are slight differences per device, but generally, you can set up digital mobile payments like this: 1. Add your Diners Club Corporate Cards to your digital wallet 2. Use your device to make in-store, and in-app purchases 3. Track purchases through your mobile digital wallet Which Diners Club cards can I use for mobile digital payments? You may use your Diners Club Travel and Entertainment and One Card. For tips on adding them to your device, please see the FAQs for Apple Pay® and Android PayTM . Do I get the same protection on unauthorized transactions as I do with my physical Diners Club Corporate Card? Yes, please contact your Card Program Administrator to get complete information on the “Waiver of Liability” Program. Will merchants receive my physical card number? No. When you add a card to your digital wallet, it will be assigned a digital account number. Your digital wallet whether it’s Apple Pay or Android Pay, will use this digital account number when you make a purchase. What’s an in-app purchase? An in-app purchase involves buying content, services or items within an application on your device. You can use your digital wallet to make these in-app purchases — simply select Apple Pay or Android Pay at checkout. Will the card image in my digital wallet match my physical card? The image may not be an exact match, but this will not affect how your card works within your digital wallet. What if I get a new Corporate Card? If you get a new card, you will need to go into your digital wallet, delete your existing card and add your new card.
    [Show full text]
  • US Mobile Payments Landscape
    U.S. MOBILE PAYMENTS LANDSCAPE – TWO YEARS LATER Marianne Crowe , Susan Pandy, and Elisa Tavilla, Federal Reserve Bank of Boston Cynthia Jenkins, NACHA1 May 2, 2013 1 At the time the white paper was written, Cynthia (Me rr itt ) Jenkins was employed at the Federal Reserve Bank of Atlanta. The authors would like to thank the members of the Mobile Payments Industry Workgroup for their valuable contributions to the work effort and insightful ideas and comments that are the foundation of this paper. The views expressed in this paper are solely those of the authors and do not reflect official positions of the Federal Reserve Banks of Atlanta or Boston, the Federal Reserve System or NACHA. Table of Contents I. Executive Summary ....................................................................................................................3 II. Changes in the U.S. Mobile Payments Ecosystem: 1Q2011 to 4Q2012 ...........................................4 Mobile Network Operators (MNOs) .................................................................................................5 Smartphone/Terminal Manufacturers and Mobile Operating System Providers....................................5 Payment Processors and Alternative Payment Service Providers ........................................................6 Payment Cards and ACH Networks ..................................................................................................7 Financial Institutions .......................................................................................................................8
    [Show full text]
  • Operating Guide
    Operating Guide June 2021 Operating Guide OG2021/06 Table of Contents CHAPTER 1. ABOUT YOUR CARD PROGRAM ........................................................................................1 About Transaction Processing ...................................................................................................................................... 1 General Operating Guidelines ...................................................................................................................................... 2 CHAPTER 2. PROCESSING TRANSACTIONS...........................................................................................4 Company Compliance ................................................................................................................................................... 4 Transaction Processing Procedures ............................................................................................................................. 6 Authorization................................................................................................................................................................. 7 Settling Daily Transactions ........................................................................................................................................... 9 Settlement (Paying Company for Transactions) ....................................................................................................... 10 Transaction Processing Restrictions .........................................................................................................................
    [Show full text]
  • Fast Retail Payment Systems
    Fast Retail Payment Systems Stephanie Bolt, David Emery and Paul Harrigan* In December 2014, a group of Australian financial institutions announced that funding had been secured for the next phase of the New Payments Platform (NPP), which will provide the capability for Australian consumers and businesses to make and receive payments in near to real time. The NPP is one example of a fast retail payment system, a number of which have been implemented in other countries in recent years. This article provides an overview of some of the features of fast payment systems and discusses the approach taken in the design of the NPP. Introduction Background On 2 December 2014, a consortium of Australian The ability to make payments in real time has been financial institutions announced that they had a feature of large-value payment systems for many committed to funding the building and operation years. Many countries implemented real-time of infrastructure that will support a new fast retail gross settlement (RTGS) systems in the 1990s payment system.1 The new system, referred to as the and early 2000s as a way of reducing risk arising New Payments Platform (NPP), will be a landmark from the large exposures that could otherwise change for the Australian payments system, bringing build up when settlement of funds between not just immediacy of retail payments, but a range institutions is deferred. These real-time systems of other advances that will improve convenience are generally aimed at facilitating a relatively small for consumers and provide potentially significant number of large corporate and financial market efficiency gains for businesses.
    [Show full text]
  • CHARGING SYSTEM Integrated Charging Solutions for Busy Car Park Operators
    CHARGING SYSTEM Integrated charging solutions for busy car park operators Charging System • Central Management System (CMS) • Payment Load Management System • License Plate Recognition System • Streamlined Car Park System We know there’s a lot involved in maintaining a car park, it’s no easy task. To make your life easier, Cornerstone Technologies has developed an all-encompassing charging system designed to integrate the chargers, the customers, the car park operators and our charging systems into one. By activating the charger, the user connects to the entire network and sets our intricate software systems into motion. It’s a dream come true for operators like you; just set it and forget it. EV made possible CENTRAL MANAGEMENT SYSTEM (CMS) LICENSE PLATE RECOGNITION Integration Remote Management Database with Parking Reporting SYSTEM Start/Stop Charging System (LPRS) Enable/Disable Charger Charging system PAYMENT LOAD MANAGEMENT SYSTEM (LMS) Averaging Current Payment Method Payment Gateway Dynamic Change Priority Setting (Charger) Alipay Independent Setting Uninterrupted Operation Mode Membership EnerPay Onboard ApplePay Fail-Safe Protection Mode NFC NFC FPS Mobile App QR Code Google Pay Payments Mastercard Contactless Octopus PayMe Visa Pay Wave WeChat Pay www.cstl.com.hk Central Management System (CMS) You’re in complete control As with any system, charging an EV vehicle can have many moving parts. Our Central Management System is the answer to keeping things in place, connecting the EV charging and payment gateways together. MONITOR REPORTING Keep an eye on everything. Charging and payment records Know how resources are being used. Import or export data are all at your fingertips.
    [Show full text]
  • Fintech and Financial Innovation
    Practice Overview Fintech and Financial Innovation About Fintech Mayer Brown brings together an integrated multipractice team to support clients with transactions, disputes and regulatory matters that involve the use of new technologies to deliver financial services in new ways. Table of Contents Case Studies Digital Thought Leadership Representative Matters • Lending/Marketplace • Blockchain/Cryptocurrencies • Regtech • Personal Finance/ Financial Management/ Wealth Tech • Payments/Billing/Money Transfer • Capital Markets Tech • Insurtech • Mortgage Tech Accolades Service Areas Cybersecurity, data Product design, protection, data privacy, regulatory approvals and and data breach response ongoing regulatory advice and remediation related to fintech products and platforms Investment vehicle and product structuring and Investments, licensing fund formation arrangements, (public and private) collaborations and acquisitions of fintech Intellectual products and platforms property protection Software development, Digital services, licensing and integration outsourcing and critical third-party service- Portfolio acquisitions, provider relationships servicing, financing, securitization and Anti-money laundering divestitures (AML) and sanctions compliance Commercial, consumer and regulatory litigation and dispute resolution MAYER BROWN | 1 CASE STUDY National Bank of Canada (NBC) Tests Blockchain Technology with NBC Debt Issuance in the US Financial Markets FINTECH SERVICE Mayer Brown advised National blockchain debt issuance AREA Bank of Canada
    [Show full text]
  • Anytime Anywhere Payment
    INFOKARA RESEARCH ISSN NO: 1021-9056 GPAYTM- ANYTIME ANYWHERE PAYMENT Ms.S. Sindujaa, II MBA, SRMIST, Vadapalani e mail id: [email protected] Dr.S.Gayathry Professor, Department of Management Studies, SRMIST, Vadapalani e mail id: [email protected] ABSTRACT Digital payment is a type of payment that is done through electronic modes where both the payer and payee use digital modes to send and receive money. Hence it is also called as electronic payment. Here no hard cash is involved as all the transactions are completed online. Thus it is an instant and convenient way to make payments. The money transfers happen automatically from one account to other and there is no need to physically visit the bank.In this paper a detailed study has been conducted to understand the increasing usage of technology in financial sector and the exponential growth of digital payments in the recent times. A comparative analysis has been done about the different digital payments methods available, in particular Google Pay and Paytm. This helps understand their pros and cons, customer usage, preference and scope for improvement.Several issues and suggestions have been discussed to help improve customer satisfaction.The critical evaluation done helps in understanding the process of increasing digitalization in the payment systems and the vitalrole played byfintech in the future of banking sector. KEYWORDS- Digitalization, electronic payment, fintech Volume 8 Issue 11 2019 908 http://infokara.com/ INFOKARA RESEARCH ISSN NO: 1021-9056 GPAYTM- ANYTIME ANYWHERE PAYMENT 1.1 INTRODUCTION Digital payment is a type of payment that is done through electronic modes where both the payer and payee use digital modes to send and receive money.
    [Show full text]
  • Product Requirements Document V2
    Product Requirements Document v2 Team: Benjamin Liu (group lead) [email protected] Joanne Li (scribe) [email protected] Junayed Naushad [email protected] Howard Lin [email protected] Julia Liu [email protected] Company Name: PayJunction ​ Team Name: Grand Potato ​ App Name: Text2Pay ​ Project Description: The goal of our project is to create a secure and efficient application that allows consumers and merchants to complete transactions through the consumer's phone, via SMS, email, or QR code, rather than using a credit card terminal. The product will send the consumer a text with the transaction summary sent through the app from business to consumer for the consumer to pay within 24 hours. The highest-level expectation is to make payments easier for the consumer, faster and cheaper for the merchant, and more secure to reduce fraud. Problem: With credit and debit cards being one of the main ways to make payments, payment card terminals are used millions of times a day. Although payment card processing terminals are everywhere, the current ones being utilized are often old and outdated. These machines are costly, slow, and frequently errors occur forcing you to swipe or insert your card multiple times before a transaction is made. There is also a danger of credit card skimming when terminals are involved. Apple Pay revolutionized the convenience of business-consumer transactions through phones. While the emergence of other payment apps such as Samsung Pay and Google Pay, have made nearly all phones compatible with mobile payments, not all point of sale systems support near-field communication (NFC).
    [Show full text]