GREEN CHANNEL COUNTERS

TPD@ SWO..

Agenda

TPD @ SWO (Single Window Operator)

Introduction to Concept Why
Perceived Benefits of concept
Business Flow
Technical Flow
Process Flow

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TPD SWO Integration

Cards at SBI
230+ million customers

Is it possible to increase the

usage of Cards?

90+ million debit card issued

20 million inactive cards

Is it possible to educate
customer in the simplest
form?

5 million cards used at POS

Business Challenges
Increasing POS/Debit card transaction
Increase interchange revenue

Operational Challenges
Inventory Management - Pre/Post voucher filling
Next Day Voucher Verification Process - SWO time

TPD @ SWO

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TPD SWO Integration - Benefits

Tangible Benefits
Elimination Voucher Filling Go Green
Elimination of VVR - SWO efficiency
No Signature verification - Faster processing

Intangible Benefits
Human Interface enables high acceptance rate
Increasing customers comfort with cards
Educates customer about usage of cards

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TPD BaNCS Integration High Level Flow

Customer Steps

Swipes card
Selects
Transaction
Enters amount
Authorize

Integrated TPD
and TCS BaNCS

SWO Steps

Fetches
Transaction
Information on
SWO/Teller
Screen

Enters
denomination
Counts cash
Checks for
fake/soiled notes
Clicks transmit

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Optional

Generate receipts

Technical Flow

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TPD BaNCS Integration Technical Flow

1
Transaction Preprocessing
Device (TPD)

7
SWO Desktop

Step 2:
The above information, TPD send the
information to Branch server

Step 3:
Branch server constructs 2 messages
a. Card+Pin for authentication
b.Transaction message for CBS
Message a send to Switch

CBS

5b

Branch Server

5a
Step 1:
Customer does the following
Swipes the card
Selects transaction type
Enters Data
Enters PIN
Presses enter to submit transaction

Step 4:
Message a is received by Switch
Switch identifies the card and
authenticates the Pin
As a response if valid pin, then sends
primary account number or else sends
error message

Step 5a:
On Positive response from Switch
Branch server, sends OK message back
to TPD
On wrong PIN, TPD ask customer to
follow step 1:

Step 5b:
On Positive response from Switch,
Branch server, sends message b to
CBS to fetch CIF etc
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Switch

Step 6:
CBS fetches the required transaction
information and pushes it onto SWO
Screen via Branch server
Step 7:
SWO collects currency and counts
them
Enters denomination on Screen
Submits the transaction

Step 8:
Teller Submits transaction
CBS is updated
Receipt is printed on TPD

Process Flow

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TPD Screens Cash Deposit

SBI logo State Bank of India

SBI logo State Bank of India

Welcome
Please select from the below option
and Press Enter:
0. Cash Deposit

Please Swipe Your ATM/Debit card

1. Cash Withdrawal
2. Fund Transfer (within SBI)

SBI logo State Bank of India

SBI logo State Bank of India

0. Cash Deposit

0. Cash Deposit

Please enter the amount you want

to Deposit and press Enter.

Please enter the amount you want

to Deposit and press Enter.

Rs. 5000.00

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TPD Screens Cash Deposit

SBI logo State Bank of India

SBI logo State Bank of India

0. Cash Deposit

0. Cash Deposit

The entered amount is Rs.

5000.00

Please enter the amount you want

to Deposit and Press Enter.

Please select Enter to Confirm or

Cancel to Modify.

Rs. 100.00

SBI logo State Bank of India

SBI logo State Bank of India

Please Enter Your ATM/ Debit Card

PIN

Please Enter Your ATM/ Debit Card

PIN and
Press Enter

****

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TPD Screens Cash Deposit

SBI logo State Bank of India

SBI logo State Bank of India

Incorrect PIN, please enter valid PIN.

Please Swipe Your ATM/Debit card

At Teller Screen

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TPD Screens Cash Deposit

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TPD Screen Cash Withdrawal

SBI logo State Bank of India

SBI logo State Bank of India

Welcome
Please select from the below option
and Press Enter:

Please Swipe Your ATM/Debit card

0. Cash Deposit
1. Cash Withdrawal
2. Fund Transfer (within SBI)

SBI logo State Bank of India

SBI logo State Bank of India

1. Cash Withdrawal

1. Cash Withdrawal

Please enter the amount you want

to Withdraw and press Enter.

Please enter the amount you want

to Withdraw and press Enter.

Rs. 5000.00

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TPD Screen Cash Withdrawal

SBI logo State Bank of India

SBI logo State Bank of India

1. Cash Withdrawal

2. Cash Withdrawal

The entered amount is Rs. 5000.00

Please enter the amount you want
to Withdraw and Press Enter.

Please select Enter to Confirm or

Cancel to Modify.

Rs. 1000.00

SBI logo State Bank of India

SBI logo State Bank of India

Please Enter Your ATM/ Debit Card

PIN and
Press Enter

Please Enter Your ATM/ Debit Card

PIN

****

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TPD Screen Cash Withdrawal

SBI logo State Bank of India

SBI logo State Bank of India

Incorrect PIN, please enter valid PIN.

Please Swipe Your ATM/Debit card

At Teller Screen

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TPD Screen Cash Withdrawal

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TPD Screens Fund Transfer

SBI logo State Bank of India

SBI logo State Bank of India

Welcome
Please select from the below option
and Press Enter:

Please Swipe Your ATM/Debit card

0. Cash Deposit
1. Cash Withdrawal
2. Fund Transfer (within SBI)

SBI logo State Bank of India

SBI logo State Bank of India

2. Fund transfer

2. Fund transfer

Please enter the receivers 11 digit

Account Number and press Enter.

Please enter the receivers 11 digit

Account Number and press Enter.

xxxxxxx1234

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TPD Screens Fund Transfer

SBI logo State Bank of India

SBI logo State Bank of India

2. Fund transfer

2. Fund Transfer

Please enter the receivers 11 digit

Account Number and press Enter.

The entered account Name is

XYXZ.

xxxxxx2345

Please select Enter to Confirm or

Cancel to Modify.

SBI logo State Bank of India

SBI logo State Bank of India

2. Fund Transfer

2. Fund transfer

The entered account number is

Please enter the receivers 11 digit

Account Number and press Enter.

Xxxxxx1234.

xxxxxx2345

Please select Enter to Confirm or

Cancel to Modify.

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TPD Screens Fund Transfer

SBI logo State Bank of India

SBI logo State Bank of India

2. Fund transfer

2. Fund transfer

The entered amount is

Please enter the amount you want

to Transfer and press Enter.

Rs. 5000.00

Rs. 1200.00

Please select Enter to Confirm or

Cancel to Modify.

SBI logo State Bank of India

SBI logo State Bank of India

Please Enter Your ATM/ Debit Card

PIN and

2. Fund transfer

Press Enter
Please enter the amount you want
to Transfer and press Enter.
****
Rs. 5000.00

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TPD Screens Fund Transfer

SBI logo State Bank of India

SBI logo State Bank of India

Incorrect PIN, please enter valid PIN.

Please Swipe Your ATM/Debit card

At Teller Screen

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TPD Screens Fund Transfer

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BENEFITS TO THE BANK

ATM cum Debit Card swipe with PIN provides a safe

mode of identification.
It is another alternate channel and a customer friendly
solution.
It can help in gradually migrating inactive cardholders
to ATMs & PoS at merchants.
The GCC saves stationery/vouchers/cheque leaves.
It adds to Customer satisfaction.
It also saves time at the SWO counter as the
customer does the work

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BENEFITS TO THE BANK Contd.,

Interaction of the customer with the SWO

provides an opportunity for Cross selling.
It avoids Voucher Verification Report
Checking and therefore, reduces Back-office
workload on the Bank's Staff.

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BENEFITS TO THE CUSTOMER

The GCC provides safety and comfort to the

customers, in performing POS transactions.
It avoids filling up of withdrawal forms / cheques,
pay in slips.
It helps in delivering quicker service to customers..
The customer can get the cash in denominations of
his/her choice.
Manual intervention of SWO provides human
touch.
The customer gets a receipt/print out of the
transaction.
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ROLE OF BRANCH MANAGERS

The critical role of Branch Managers is
to identify suitable SWOs for manning
the Green Channel Counters.
He is expected to brief and motivate
them for successful implementation.
He is also expected to extend full
support to the officials of the
implementation team.
The customers should be informed and
motivated to bring their Debit Cards.
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ROLE OF CONTROLLERS
All
AGMs
(RBO)
in
whose
administrative
control
the
GCC
branches fall shall visit the branches
and hold staff meetings to explain the
concept and its benefits.
They are expected to extend all
possible support and guidance to the
employees connected with the project.

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ROLE OF SINGLE WINDOW

OPERATOR
SWO is expected to encourage customers to
use Debit Cards
SWO also prompt the Customers to use the
Debit
cards
at
PoS
with
merchant
establishments.
SWO may also utilise the interaction for Cross
selling of other products.
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GENERAL MATTERS
GCC transactions will appear like ATM and INB
transactions in VVR, since no voucher is involved
in it.
Hence, checking/verification of VVR is also not
required.
Customer identification is solely on the basis of
PIN validation. Once the PIN is validated, the
transaction is treated as an authorised
transaction by the customer.
Dispute Redressal Mechanism Matrix is in the
order of Branch Manager, Regional Manager and
GM of Network.
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 GENERAL MATTERS contd.,

TPD should be kept at SWO counter in such

a manner that secrecy of the PIN is
maintained
Customer's confidence is gained on this
aspect. (It is suggested to keep the TPD in an
opaque box so that typing of PIN by the user
is not visible to any other person).
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REPORTS

Transaction Log of all transactions will be

maintained by the system based on which
Reports can be generated.
The receipt/acknowledgement printed at
the end of the transaction which is
generated on Thermal Printer will fade.
It is advisable to take a photocopy of the
same in case the customer wants to
preserve it.
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GREEN CHANNEL COUNTERS (GCC)

Job Card & Instructions Manual
(With relative CBS screens)
GreenManual.pdf
User Guide to Green Channel
Counter
GREEN CHANNEL BANKING.p
df
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Thank You.

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