SIRI PAYMENTS

This feature harnesses Apple’s voice command assistant, Siri, to enable users to initiate voice based payments to registered payees from their mobile devices. The user can, hence, simply use voice commands to launch Siri and transfer money to payees without having to physically access the banking application to make payments.

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

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

Note:
Siri cannot be used to pay multiple people at the same time.
Face ID as an option for Authentication will depend on the device support.

Features Supported In Application

• Payments to registered beneficiaries

Pre-Requisites

• The user’s mobile device needs to support software version of iOS 10 or a higher version
• The user needs to provide Siri with the permission to access the bank application
• The application role to which the user belongs is provided access to Payments as a transaction through access point Siri by way of Role Transaction Mapping
• The user must have a valid current or savings account with bank that is enabled for online banking.
• The user must have registered payees

To transfer money through 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 initiate the payment by specifying the details i.e. payee nick name, amount and remarks if any e.g. Hey Siri, pay John $59 for lunch.
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 such as amount or remarks.
5. The system displays the account number that will be debited as part of the transaction.
6. The user has an option to confirm the payment through voice command or by clicking ‘Send’
   OR
   The user can cancel the transaction through voice command or by clicking ‘Cancel’ option.
7. Field Description

   Field Name	Description
   Payee Name	The nickname of the payee to whom the payment is being made is displayed.
   Amount	The amount to be transferred along with the currency in which the transfer is taking place is displayed.
   Transfer From	The source account, with account nickname (if defined), from which the funds will be transferred is displayed.
   Narration/Remarks	Remarks, if defined, are displayed.

7. On click of Send. The Touch ID Authentication / Face ID Authentication screen appears depending upon the alternate login option enabled.
   OR
   If you say “Cancel” or click on the Cancel option, Siri will cancel the payment transaction.
8. To authenticate the payment, scan your fingerprint so as to confirm your identify with a single touch
   
9. The success message appears along with transaction reference number of the payment transaction.

View Account Balance

In addition to using Siri to initiate voice based payments on their mobile devices, users can also use Apple’s voice command assistant to perform balance inquiries on any mapped account.

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

Features Supported In the Application

• Balance inquiry of accounts i.e. Savings, Current, Mortgage Accounts and Credit Cards.

Pre-Requisites

• The user’s mobile device needs to support software version iOS 11 or any higher version.
• The user needs to provide Siri with the permission to access the bank application.
• The application role to which the user belongs is provided access to Account Balance Inquiry as a transaction through access point Siri by way of Role Transaction Mapping.
• The user must have a valid account with bank that is enabled for online banking.

To initiate an account balance inquiry through Siri:

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

2. Initiate an account balance inquiry via voice command by specifying the required command words as well as the account type of which you want to enquire balance e.g. Hey Siri, what is my account balance in my Savings account?
3. The user will be asked to authenticate his/her identity through Touch ID / Face ID.

4. Scan your fingerprint so as to confirm your identify with a single touch.
5. The system will display the account balance(s) of all the accounts of the enquired account type.
   

6. Click to view details of the selected account.

7. Click to view balance details in the selected account.

FAQs

Does Siri allow the 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 can be made.

Will the system consider the limits maintained in the system as part of the transaction?

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

What happens if there is a 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 nickname does not match with the maintained payees?

If the payee nickname stated by the user does not match any of the existing registered payee nicknames, then a standard response message will be generated by Siri and the user will be provided with the option to change payee name by clicking the ‘Tap to Edit’ option to re-initiate a payment.

What if the user does not specify the currency while initiating a Siri payment?

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