ATM Card Skimming/Cloning at DOP ATM site at Delhi and Uttar Pradesh

Procedure for CSI ATM cash loading - GL code

Operational Handbook for ATM - Ver 2.0

Operational Handbook for ATM - Ver 2.0

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View / Download

Clarification on instructions issued by Directorate / ATM Unit for issuance of instant ATM / Debit Cards by SOLs

Instructions to be followed during issue of POSB ATM Card in DOP Finacle

CIF level Checks  

•    Below issues at CIF will lead to non activation of cards:

Ø Last name column in CIF should not exceed 35 Characters

Ø Last Name column in CIF should not contain special and numeric characters

Ø Address line  at CIF level should not exceed 35 characters and special character s like (<, >, ?)

Ø Name at account level should be as mentioned in the CIF

•       Wrong issuance of Instant Cards

•       SOLs are dispatching Instant ATM card duly linked to the account by post which may lead to mis-appropriation as both PIN and card will be available in the same envelope.

•       SOLs are placing New card request after hotlisting /personalized card request / Replacement /closure which will lead to non-activation of new card request and that kit/card cannot be used further and reflects in inactive cards.

•       Issuing of new kit for the CIF which was already issued with another Kit number.

•       WRONG ATM PIN REQUEST

•       SOLs are placing ATM PIN request multiple times with out waiting for the receipt of PIN from National ATM Unit.

•       Many SOLs are just sending mails for duplicate PIN with out placing request in CCMM menu

•       Closure of ATM Card

•       SOLs are closing the accounts with out closing the ATM cards. Such cards will be in active status and cannot be closed in later stage.

•       Few SOLs have closed the existing cards and again placed new card request, which will not get activated.

•       CIF merger of ATM issued accounts

•       Once the ATM cards are issued to any of the SB accounts, such CIFs should not be merged to any other CIF.

•       After merging the CIF, one more card is being issued to the new CIF of the same account. In such a case both the cards will be active and lead to fraudulent transactions.

•       Eligibility criteria Issuing of ATM cards

•       Cards should be issued only to SB General and Pension accounts.

•       In case of Joint, should be issued only to Joint “B”

•       ATM cards should not be issued to Minor, Illiterate, Joint “A”, SBBAS, BO accounts and Lunatic accounts.

•       Only one card per customer should be issued. In case of multiple accounts, linking should be done after activation of card with the primary account

Procedure for issue of duplicate ATM cards in case of missing of the original one :

Under CCMM menu use Modify function and enter CIF id and in the next screen select Action as "hotlist and replace or Replacement in case already hotlisted. Then select Card type as Personalized and again click on Instant. Then enter the Instant kit number which is to be issued to the customer and card will get activated after 24 hours.

Cash loading transaction particulars and RA Procedure in DOP Finacle - Revised

Cash loading transaction particulars and RA Procedure in DOP Finacle - Revised

Procedure to be followed by post offices attached with ATMs on the day of cash loading in ATM machines: 

1. After handing over cash to CRA, counter PA should make entry in 

HXFER menu.
Debit ATM cash account SOL id+ 0006 and
Credit 56000100 (Bangalore GPO) + 0007.
In the Transaction Particulars column enter the details as -
Cash loading - ATM ID- dd/mm/yy.
Note down the TRAN ID.
Supervisor should verify the entry. 

2. Send the cash loading details to atmbggpo.ka@indiapost.gov.in in the following format in the main body of the email with out any attachments. (Do not send the scanned copy of RAs as the same is no more required by Bangalore GPO team)

Amount loaded in ATM (in Rs.)
Date of cash loading
TRAN ID for cash loading entry in HXFER menu
RA sent to GPO vide Regd Post no. (Non CSI offices)
Date of dispatch of RA  (Non CSI offices)

3. After sending the mail, dispatch the hard copy of RA addressed to 

Chief Postmaster 

Treasury branch 

Bangalore GPO 

Bangalore – 560001 

4. In case of CSI offices, please follow the instructions as per point no 1 and 2 only.

Instruction regarding issuing Insta ATM Card in SB Acccount

It’s observed and has come to the notice of this office that many SOLs are sending Instant ATM cards to the customers by ordinary/Registered post by noting the address on the envelopes which is available in CIFs. It’s highly irregular, sending Instant ATM cards by post, as both ATM card and PIN will be available in the same envelope and might lead to fraudulent transactions.

This office is receiving many such Instant cards back as undelivered due to insufficient address. 

As per procedure, when a customer approaches the counter, Instant card has to be issued at that time only after obtaining/verifying the KYC documents and updating all the relevant details at CIF level which is mandatory. It should not be sent through Post to customer as both PIN and ATM Card will be in the same envelope and anyone could misuse the card at this stage, if it's wrongly delivered or lost in transit and fraud might be committed.

Such instances shows that the SOLs are issuing cards to SB account holders with or without consent of the depositor and then dispatching Instant cards along with PINs stuffed in a single envelope to depositors' addresses which will lead to misappropriation of funds of DOP customer for which concerned official/s of the SOL will be responsible/answerable. Any fraudulent transactions occurring due to above practices will be recovered from the defaulted officials.

This is for your kind information and strict instructions to all concerned.

​Thanks & regards,

Incharge Operations, DOP ATM Unit, 

Bengaluru GPO 560001

Procedure to cancel the POSB ATM card issued to BO accounts in DOP Finacle

• As well all know we should not issue POSB ATM cards for BO accounts as per the Directorate instructions.
• What if the POSB ATM cards are already issued to BO accounts?
• The answer to the above question is mentioned below for all the users purpose.

Step by Step Procedure to cancel the POSB ATM card issued to BO accounts in DOP Finacle :-

Kindly instruct the SOL to follow below mentioned steps immediately:

1. Invoke modify function in CCMM menu. Enter CIF ID. Select card number from searcher. Click on Go.

2. In the next screen select Action as "Closure". Click on submit.

3. Supervisor should verify above entry in CCMM menu after cross checking all details of customer.

​Note-These cards cannot be issued to another CIF. Update relevant records and then destroy the cards at your end.

Procedure to link multiple accounts for single POSB ATM card in DOP Finacle

• Generally in DOP we can link the multiple accounts for single POSB ATM cards.
• The above mentioned scenario will arise when the customer is having the general SB account and Pension SB account and what if the customer approaches to link the both SB accounts to single POSB ATM card?
• The answer to the above question is explained clearly below  with step by step procedure.

Step by Step Procedure to link multiple accounts for single POSB ATM card in DOP Finacle :-

• In CCMM Menu use function modify- provide CIF Id , use searcher to select the card and click on Go.
• In the next screen, click on Add button, user searcher to select the account id and name will be displayed. 
• Ensure that the name should not contain any special characters nor it should exceed 21 characters including spaces.
• Then select Instant/Personalized in card type (as the case may be)
• Select Primary card as "NO" and Action as Link. Then validate the entries.
• After doing all the above said activities, please confirm that that Primary Account Flag as "Y" for the already active account and "N" for the newly linked account with out fail before submitting the same. If not,  change the Primary flags correctly by clicking on the rows before submitting the data.
• Verify the same after submitting with the correct details.

Procedure to issue new ATM card in case of ATM card is lost/damaged, hotlisting and replacement in DOP Finacle

Before issuing ATM cards kindly ensure the following conditions are fulfilled.

1.     Minimum balance in account should be Rs. 50/-

2.     Cif should be updated with the latest KYC documents.

3.     Update mobile number and email id if possible as message alert service is available.

4.     There must not be any special characters and numbers in the account name. If any name modification is there in  CIF id pl modify in CMRC @ CIF level  and in HAALM menu in account level. Only supervisor can access the command HAALM . One supervisor has to modify the name and another supervisor has to verify the same.

• In order to issue ATM card we generally use the menu CCMM for detailed step by step procedure in DOP Finacle users can CLICK HERE
• When an ATM is lost or damaged and if any customer reports about the ATM lost then counter users can use the menu CCMM and action as hotlisting/hotlosting and replacement. For detailed step by step procedure users can CLICK HERE

Business Scenario :- 

When a DOP ATM card is lost and the same reported by the customer we generally hot list the card using the function CCMM and action as hot list/hot list and replacement then what if the customer want a new ATM card ?

The answer to the above question is mentioned below for all the DOP users.

Solution for the above problem :- 

Procedure to issue new ATM card in case of ATM card is lost/damaged, hotlisting and replacement in DOP Finacle is mentioned below

Under CCMM menu use Modify function and enter CIF id and in the next screen select  Action as "hotlist and replace or Replacement in case already hotlisted. Then select Card type as Personalised and again click on Instant . Then enter the Instant kit number which is to be issued to the customer and card will get activated after 24 hours.

ATM card issues and solutions in DOP Finacle

1.1. Card is not activated

Issue Description: Card is not getting activated.

Solution: For the specified card, if it is personalized, check whether the kit number is entered. As per the functionality kit number should not be entered for personalized cards. Remove the kit number using modify mode in CCMM menu and proceed further. The card will be activated.

If any wrong details have been given, user can use Delete Mode to delete the already existing details and add the correct details again using ADD Mode in CCMM menu.

Check whether the card is in inactive status. If the card is in either Delivered or inactive status then only the card can be activated.

1.2. No SB accounts exists for the specified CIF ID

Issue Description: When the user is trying to add a cif id or verify, user is getting an error like "No SB accounts exists for the specified cif id"

Solution: If The sol_id with which the user tries to add the ATM card request in CCMM menu is different from the home sol id of that cif id this error occurs.

Please ask the user to add the ATM card request in the home sol id.

1.3. Invalid card number

Issue Description: When the user is trying to modify card details user is getting error as "Invalid Card number"

Solution: If it is a personalized card,this error occurs mostly when the card details are not updated in the YCS database.

Invoke CCMM menu in inquire mode. it shows details of YCS database. If the status is still as REQ in inquire mode. It means the card is not yet activated.

Source:http://dopfinacle.blogspot.com

Hence the user is not able to modify the card details. Please download the file in CCDM menu and the card needs to be activated in YCS. Then the user can modify the details in CCMM menu.

1.4. Hotlisting of a particular Card Failed

Issue Description: User is not able to hotlist a card in modify mode. Error message is getting displayed.

Solution: A card can only be hotlisted if it is in active status. If the card is not currently active it cannot be hot listed.

Hot listing of the card will directly update the status in CMS. In CMS, if the card is not active, then hot listing fails.

1.5. ATM Pin Generation Failed

Issue Description: The ATM PIN is not generated even if the status is changed to ATM PIN Request in modify mode.

Solution: In CCMM menu in modify mode, action should be selected as ATM Pin Request. Later on in CCDM menu, Renewal/Re-issue file needs to downloaded and uploaded in CMS DB. Flow has to be completed.

If the flow is not completed the PIN Generation will fail.

1.6. Not able to Modify Closed Cards

Issue Description: User is not able to modify the Card.

Solution: Invoke CCMM in inquire mode and check for the status of the card.If the current card status is closed, no more modification is allowed for the cards. Only hotlisting can be done for closed cards.

If the status is closed and the user wants to make the card active, please delete the card and add a new card.

Error message is being displayed for the same.

1.7. Account is already attached with a card

Issue Description: Unable to issue ATM card because of the error message Account is already attached with a card.

Solution: For this cif id and foracid, already a new card request may already have been raised. It may be either in verified or non verified state. Hence while raising new card request specified error will occur. Kindly verify the previous card and use it (if the previous card is in unverify state) or delete the card and raise a new card request(if the previous request is no longer needed).

1.8. Error while linking

Issue Description: Unable to link an account to ATM card, showing error as "There is no account exists in this sol id".

Solution: The specified cif id and account number belongs to some other sol. Hence the user is not able to link the card.

Invoke HACLI menu and find the sol id of the account and kindly change the sol id of the account and try again. Please check.

1.9. Invalid account number

Issue Description: While trying to issue card to sb account, "Invalid Account" Error occurs.

Solution: The given SB account does not belongs to the cif id mentioned. Hence the error occurs. Kindly give the correct account number or select account number from searcher. If searcher does not display data then no SB accounts have been opened under that cif Id.Kindly open an account and proceed issuing a card.

1.10. Invalid kit number

Issue Description: While trying to personalized card, error is thrown as "Invalid kit number".

Solution: The kit number has already been used to raise a new card request for another cif. Hence the same kit number cannot be used, that is why the error is being thrown. Please use a different kit number to raise a new card request.

If the Kit number is not used previously, then raise a request to ATM team.

1.11. Process of activation of cards

Issue Description: Clarify on the process of Activation of cards.

Solution:

1. Invoke CCMM menu and raise a new card request and verfiy the same.

2. Invoke CCDM menu and download the New Customer Registration file with sol id and cif verification date as input and download the file and send it to YCS db. The card will be activated