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In yet another move, to make the e-ticketing system more convenience to thier customer, Indian Railway Catering and Tourism Corporation (IRCTC)
has launched the IMPS ( Interbank Mobile Payment Service) for its customer
in the e-ticketing site www.irctc.co.in.
IMPS is a merchant
payment system, which allows customers to make instant,24*7, interbank
payments to merchants or enterprises via mobile phone.
So, even if one does not have a Credit Card/Debit Card or a net
banking facility he may still be able to book a rail e-ticket making the
payment through the IMPS in IRCTC's website.
Customer, who is a
mobile banking user of any bank, in the IMPS network,can make the
payment to a merchant in the network through IMPS. This payment option,
therefore, will make railway ticket booking much easierand safer to use.
Explaining the working of system, he said, " A customer gets himself
registered linking his mobile number with his bank account. He then gets
an MMID (Mobile Money Identifier), a 7-digit number from the bank. The
combination of the mobile number and the MMID is unique for a particular
account.
He also gets an M-PIN (Mobile PIN), which is a secret
password from the bank. The customer needs to authenticate his
transactions using the M-PIN.
He has to download the mobile banking application or use SMS /USSD facility provided by the bank.
The transaction is then performed with his MMID and M-PIN, using mobile banking application or SMS / USSD facility
IMPS charges are kept at Rs. 5 for transaction amount of up to Rs.
5000/- and Rs. 10 for transaction amount of more than Rs. 5000/.
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