SIRI PAYMENT

It is a voice based payment using Siri to transfer money to the beneficiary without having the need to access the banking application to make a payment.

Siri payments can be made to existing payees across different payee categories and the match is based on the nickname of the payee maintained in the system.

The payment is authenticated with use of touch ID as passcode.

Note: Siri cannot be used to pay multiple people at the same time.

Transaction Host Integration Matrix

Features Supported In Application

• Payment to maintained beneficiaries

Pre-Requisites

• User needs to have a device with a minimum version of iOS 10
• User needs to provide Siri with the permission to access bank application
• User must have a valid account with bank and online banking enabled
• Payees have been maintained to send money through Siri payment

To send a money with Siri

1. Launch Siri by holding the home button or by calling out ‘Hey Siri’ depending on the settings enabled on the device.
2. Ask Siri to send the payment request by specifying the details i.e. payee nick name, amount and remarks if any e.g. Hey Siri, pay Keith $59 for coffee.
3. Siri displays the payment details as stated in the voice message and seeks the user’s permission to complete the payment.
4. The user can click on ‘Tap to Edit’ if there are any changes required in the payment details i.e. amount or remarks.
5. System displays the account number that will be debited as part of transaction.
6. The user has an option to confirm the payment through voice command or clicking ‘Send’
   OR
   The user can cancel the transaction through voice command or clicking ‘Cancel’ option.
7. Field Description

   Field Name	Description
   Amount	Amount to be transferred.
   Payee Name	Name of the payee to whom payment is to be made.
   Transfer From	Source account with account nickname from which the funds will be transferred.
   Narration/Remarks	Narrative for the transaction.

7. On click of Send, The Touch ID Authentication screen appears.
   OR
   If you say “Cancel”, Siri will discard the payment transaction.

Note: User needs to provide Siri with the permission to access touch ID to perform the transaction.

8. To authenticate payment use fingerprint as passcode and confirm identify with a single touch.
   
9. System will display success message along with transaction reference number for the payment transaction.

View Account Balance

It is a voice based balance inquiry for an account using Siri without having the need to access the banking application.

Note: Siri cannot be used to fetch account balance of multiple account types in one go.

Features Supported In Application

• Balance inquiry of accounts i.e. Savings, Checking, Mortgage Accounts and Credit Card

Pre-Requisites

• User needs to have a device with a minimum version of iOS 11
• User needs to provide Siri with the permission to access bank application
• User must have a valid account with bank and online banking enabled

To inquire about the account balance:

1. Launch Siri by holding the home button or by calling out ‘Hey Siri’ depending on the settings enabled on the device

2. Ask Siri for account balance by specifying the details i.e. account type e.g. Hey Siri, what is my account balance in Savings account.
3. User will be asked to authenticate using Touch ID.

Note: User needs to provide Siri with the permission to access touch ID to perform the transaction.

4. To authenticate, use fingerprint as passcode and confirm identify with a single touch.
5. System will display the account balance(s) for all the accounts of the enquired account type.
   

6. Click to view details of the selected account.

7. Click to view details of the selected account.

FAQs

Does Siri allow user to change the debit account in case of balance insufficiency or if the account is in a status which restricts the payment?

No, Siri will always default the same account number and the user cannot edit the account from which the payment needs to be made.

Will the system refer to the limits maintained in the system as part of the transaction?

Yes. The system will refer to the limits based on the transaction i.e. if the payee resolved is of type ‘Domestic’ then limits for domestic payment will be referred to and in case of internal payee, it will be for internal payment.

What happens if there is limit breach as part of the transaction?

Siri displays an error message, if the fund transfer amount is not within the specified limits range (minimum and maximum amount).

What happens if payee name does not match with the maintained payees?

If the payee name stated by the user does not match in any of the payee categories, then there will be a standard message by Siri and the user will have an option to change payee name by clicking ‘Tap to Edit’ option and re-initiate payment.

What if the user does not specify the currency while fund transfer?

If the currency for the transaction is not specified by the user, then the system by default will pick the transaction from the local.