Broadly, online payment can be made through Credit Cards or Net Banking Account. Now-a-days, there are many Credit Cards available but all are aligned/linked to either of the two major players, i.e., Master Card or Visa. Net Banking refers to banking operations like fund transfer, etc., through the internet. Almost all banks permit net banking. There is no additional cost for consumers to avail either facility. It is generally true for all cards and all banks.
The Payment Process
The encrypted data is transferred through SSL (Secured Socket Layer) to the main server of Credit Card/bank through the net. The confirmation from the main server also comes in the net. In case of any mismatch of data or exceeding the limit, etc., proper warning messages are generated. The consumer does not have to pay anything for this service and the transaction become easier and quicker. Banks are also benefited in this process and save on time and costs. They also get more transactions/fund. A log of all
transactions is maintained by the Bank. All unsuccessful transactions are also logged with proper date and time stamping.
On confirmation of transaction from the main server, a receipt is generated by the Bank with the receipt and a transaction number. Later, in case of any discrepancy, the transaction can be traced/identified with this number. In case of loss of receipt, it is possible to generate duplicate receipts of the past successful transactions. Consumers can see the list of past successful transactions.
We now present a case study of online payment at NDPL. This illustration will help you to make your own payment through the net, if your utility offers this facility and if you so desire. But attempt an exercise before studying the case Study!
Online Payment: A Case Study of NDPL
The steps involved in making the payment online through the NDPL website are described below. After each step, a screen shot is also provided for easy understanding/clarity. The payment is made through a secure payment gateway using 128 bit SSL encryption.
Step 1
After successful login into the consumer section, the navigation options are displayed (Fig.). For online payment, click on the link “Pay through credit card/ Internet Banking”. On clicking on the link, the page will be redirected to another page.
Step 1: Click on the link “Pay through credit card/ Internet Banking”.
Step 2
In order to proceed with the payment option, click on the link “Pay through credit card/ Internet Banking”. In case, there is no bill pending for payment,this link will not be available. On clicking on the link, a new window will open Please make sure that the pop-ups are allowed for this website.
Step 2: Click on the link “Pay through credit card/ Internet Banking”
Step 3
The page which opens in the new window contains details like KNo., Name, address, bill number, due date and amount payable (Fig). If the due date for the bill has crossed, then the amount payable would include the late payment surcharge also. In order to proceed further, click on the “Proceed” button.
Step 3: Click on the click on the “Proceed” button.
Step 4
The page that appears after clicking on the “Proceed” option has four fields –KNo., outstanding amount, payment amount and payment option (Fig.).Outstanding amount is the amount payable as on that date. Payment amount is the amount that you wish to pay. The outstanding amount and the payment amount can be different. By default, the outstanding amount will be displayed in the payment amount textbox. Select the payment option and click on “Submit” to proceed further.
Step 4: Select the payment option and click on “Submit” to proceed further.Use of IT for
Step 5
After submitting the payment amount and payment option, the processing starts and this takes approximately 1-5 seconds. The page will be automatically redirected to the next page (Fig. 14.8).
Step 5: The page is automatically redirected to the next page.
Step 6
After processing, the page shown in Fig. 14.9 appears, where the type of card is selected. Select the type of card based on the card being used for payment.
Step 6: Select the type of card based on the card being used for payment.
Step 7
Once the card type is selected, the page will be redirected to another page where the credit card details are to be entered (Fig). Enter the card number, CVV number and expiry date and click the “Submit” button. Before clicking on the “Submit” button, please check the amount displayed (in red color) on the right hand top corner of the screen.
Step 7: Enter the card number, CVV number and expiry date and click the “Submit” button.
Step 8
The credit card details are then processed and a confirmation message is displayed (Fig). Click on the “Confirm” link.
Step 8: Click on the “Confirm” link.
Step 9
If the transaction is successful, a receipt will be generated. The receipt will contain the following details regarding the payment – Bank Merchant ID No.,Transaction Reference No., date and time and the Amount Paid (Fig. 14.12). If the transaction fails, the reason for failure is displayed.
Step 9: a receipt will be generated. The receipt will contain the following details regarding the payment – Bank Merchant ID
No., Transaction Reference No., date and time and the Amount Paid
Step 10
If any error occurs while generating the receipt for a successful transaction,please use the “Online Transaction History” link, to generate the receipt (Fig).
Step 10: If any error occurs, please use the “Online Transaction History” link, to generate the receipt
Step 11
For any queries regarding the status of your payments, please call the Helpline number- 66111912 between 9 AM and 9 PM.
Features of Online Payment at NDPL
• Option for part payment (minimum of Rs.10).
• Receipt generated after successful payment.
• Duplicate receipt generation option.
• Well structured and self explanatory help section for online payments.
• Transaction history to view past success and failure transactions.
• No hidden costs on consumer to avail this service.
• Encrypted data transfer through SSL (Secured Socket Layer).
• SSL certification from Verisign.
• Proper warning messages while entering amount.
Process Flow
• Step 1: Go to http://www.ndpl.com
• Step 2: Login by entering K Number
• Step 3: Click on “Pay through Internet” link
• Step 4: Enter the amount to pay
• Step 5: Select the type of account (credit card/ net banking)
• Step 6: Select the type of Card – VISA/Master
• Step 7: Enter credit card information – Card Number, Expiry Date
• Step 8: Card details are verified
• Step 9: If card details are valid, Receipt is generated else reason for transaction failure is displayed.
Online Transaction History Consumer can view
• List of past Successful transactions.
• List of past failure transactions.
• Generate duplicate receipt for past successful transaction.
Help
• For any help, consumer can call on 66111912.
• Call centre executives can view status of all transactions.
Usage – Month wise Usage – Month vs. Number of Payments It can be seen from Fig. 14.14 that the users for online billing are increasing
day by day.
The Payment Process
The encrypted data is transferred through SSL (Secured Socket Layer) to the main server of Credit Card/bank through the net. The confirmation from the main server also comes in the net. In case of any mismatch of data or exceeding the limit, etc., proper warning messages are generated. The consumer does not have to pay anything for this service and the transaction become easier and quicker. Banks are also benefited in this process and save on time and costs. They also get more transactions/fund. A log of all
transactions is maintained by the Bank. All unsuccessful transactions are also logged with proper date and time stamping.
On confirmation of transaction from the main server, a receipt is generated by the Bank with the receipt and a transaction number. Later, in case of any discrepancy, the transaction can be traced/identified with this number. In case of loss of receipt, it is possible to generate duplicate receipts of the past successful transactions. Consumers can see the list of past successful transactions.
We now present a case study of online payment at NDPL. This illustration will help you to make your own payment through the net, if your utility offers this facility and if you so desire. But attempt an exercise before studying the case Study!
Online Payment: A Case Study of NDPL
The steps involved in making the payment online through the NDPL website are described below. After each step, a screen shot is also provided for easy understanding/clarity. The payment is made through a secure payment gateway using 128 bit SSL encryption.
Step 1
After successful login into the consumer section, the navigation options are displayed (Fig.). For online payment, click on the link “Pay through credit card/ Internet Banking”. On clicking on the link, the page will be redirected to another page.
Step 1: Click on the link “Pay through credit card/ Internet Banking”.
Step 2
In order to proceed with the payment option, click on the link “Pay through credit card/ Internet Banking”. In case, there is no bill pending for payment,this link will not be available. On clicking on the link, a new window will open Please make sure that the pop-ups are allowed for this website.
Step 2: Click on the link “Pay through credit card/ Internet Banking”
Step 3
The page which opens in the new window contains details like KNo., Name, address, bill number, due date and amount payable (Fig). If the due date for the bill has crossed, then the amount payable would include the late payment surcharge also. In order to proceed further, click on the “Proceed” button.
Step 3: Click on the click on the “Proceed” button.
Step 4
The page that appears after clicking on the “Proceed” option has four fields –KNo., outstanding amount, payment amount and payment option (Fig.).Outstanding amount is the amount payable as on that date. Payment amount is the amount that you wish to pay. The outstanding amount and the payment amount can be different. By default, the outstanding amount will be displayed in the payment amount textbox. Select the payment option and click on “Submit” to proceed further.
Step 4: Select the payment option and click on “Submit” to proceed further.Use of IT for
Step 5
After submitting the payment amount and payment option, the processing starts and this takes approximately 1-5 seconds. The page will be automatically redirected to the next page (Fig. 14.8).
Step 5: The page is automatically redirected to the next page.
Step 6
After processing, the page shown in Fig. 14.9 appears, where the type of card is selected. Select the type of card based on the card being used for payment.
Step 6: Select the type of card based on the card being used for payment.
Step 7
Once the card type is selected, the page will be redirected to another page where the credit card details are to be entered (Fig). Enter the card number, CVV number and expiry date and click the “Submit” button. Before clicking on the “Submit” button, please check the amount displayed (in red color) on the right hand top corner of the screen.
Step 7: Enter the card number, CVV number and expiry date and click the “Submit” button.
Step 8
The credit card details are then processed and a confirmation message is displayed (Fig). Click on the “Confirm” link.
Step 8: Click on the “Confirm” link.
Step 9
If the transaction is successful, a receipt will be generated. The receipt will contain the following details regarding the payment – Bank Merchant ID No.,Transaction Reference No., date and time and the Amount Paid (Fig. 14.12). If the transaction fails, the reason for failure is displayed.
Step 9: a receipt will be generated. The receipt will contain the following details regarding the payment – Bank Merchant ID
No., Transaction Reference No., date and time and the Amount Paid
Step 10
If any error occurs while generating the receipt for a successful transaction,please use the “Online Transaction History” link, to generate the receipt (Fig).
Step 10: If any error occurs, please use the “Online Transaction History” link, to generate the receipt
Step 11
For any queries regarding the status of your payments, please call the Helpline number- 66111912 between 9 AM and 9 PM.
Features of Online Payment at NDPL
• Option for part payment (minimum of Rs.10).
• Receipt generated after successful payment.
• Duplicate receipt generation option.
• Well structured and self explanatory help section for online payments.
• Transaction history to view past success and failure transactions.
• No hidden costs on consumer to avail this service.
• Encrypted data transfer through SSL (Secured Socket Layer).
• SSL certification from Verisign.
• Proper warning messages while entering amount.
Process Flow
• Step 1: Go to http://www.ndpl.com
• Step 2: Login by entering K Number
• Step 3: Click on “Pay through Internet” link
• Step 4: Enter the amount to pay
• Step 5: Select the type of account (credit card/ net banking)
• Step 6: Select the type of Card – VISA/Master
• Step 7: Enter credit card information – Card Number, Expiry Date
• Step 8: Card details are verified
• Step 9: If card details are valid, Receipt is generated else reason for transaction failure is displayed.
Online Transaction History Consumer can view
• List of past Successful transactions.
• List of past failure transactions.
• Generate duplicate receipt for past successful transaction.
Help
• For any help, consumer can call on 66111912.
• Call centre executives can view status of all transactions.
Usage – Month wise Usage – Month vs. Number of Payments It can be seen from Fig. 14.14 that the users for online billing are increasing
day by day.
No comments:
Post a Comment