Hey guys,
This video will explain you how you can use BHIM (Bharat Interface For Money) APP without internet via offline media using USSD *99# method based on UPI (Unified Payment Interface)
Please watch it till end it also contain LIVE Demo of USSD *99#
BHIM APP: [ Ссылка ]
USSD Supported Bank list: [ Ссылка ]
Queires solved:
1) What is USSD ?
2) How to use *99# ?
3) How to Use BHIM APP without internet.
4) What is banking without internet
5) Live demo of USSD *99# by NPCI (National Payment Corporation of India)
One of the innovative payment service launched by NPCI includes *99# service, which works on Unstructured Supplementary Service Data (USSD) channel. This service was launched envisioning the potential of Mobile Banking and the need for immediate low value remittances which will help in financial deepening and inclusion of underbanked society in the mainstream banking services. *99# service was dedicated to the nation by the Honorable Prime Minister of India Shri Narendra Modi on 28th August 2014 as part of Pradhan Mantri Jan Dhan Yojana (PMJDY).
*99# service has been launched to take the banking services to every common man across the country. Banking customers can avail this service by dialing *99#, a “Common number across all Telecom Service Providers (TSPs)” on their mobile phone and transact through an interactive menu displayed on the mobile screen. Key services offered under *99# service include, interbank account to account fund transfer, balance enquiry, mini statement besides host of other services. *99# service is currently offered by 43 leading banks & all GSM service providers and can be accessed in 12 different languages including Hindi & English. *99# service is a unique interoperable direct to consumer service that brings together the diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers).
It is a common technology platform developed by NPCI which allows the Banks and TSPs to seamlessly integrate with each other to provide banking services to the customers at large over the mobile phones (basic as well as smartphone).
Currently, following Financial, Non-financial and Value Added Services (VAS) are offered through *99# service.
FAQ's on USSD *99#:
1) What is *99#?
*99# is a USSD (Unstructured Supplementary Service Data) based mobile banking service
from NPCI that brings together diverse ecosystem partners such as Banks & TSPs (Telecom
Service Providers). Using *99# service, a customer can access financial services by dialling
*99# from his/her mobile registered with the bank. The service works across all GSM service
providers and handsets.
2) What is USSD?
Unstructured Supplementary Service Data (USSD) is a technology unique to GSM (Global
System for Mobile Communications) handsets. It is a capability built into the GSM standard
to support transmitting information over the signalling channels of the GSM network.
USSD provides session based communication, enabling a variety of applications. USSD
technology, which was primarily used in the field of telecommunication, is going to make a
significant impact in the field of banking services.
3) What are the key features of *99# service?
- Works without Internet – Uses voice connectivity
- Accessible through a common code *99# across all TSPs
- No additional charges while roaming for using the service
- Works across all GSM service providers and mobile handsets
- Round the clock availability to customers (works even on holidays)
- No need to install any application on mobile handset to use the service
- Additional channel for banking services and key catalyst for financial inclusion
4) What are the various services available under *99#?
*99# service can be used by the customers for the following purposes:
a) Financial
b) Non-Financial
c) Value Added Services (VAS)
Currently, following Financial, Non-financial and Value Added Services (VAS) are offered
through *99# service.
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