CBS users can generate OTP at the time of performing transaction in Internet Banking / Bank Anywhere application in two modes:

• Online OTP in which Internet connection (via SIM or Wi-Fi) is required for generating OTP.
• Offline OTP in which OTP is generated in the absence of Wi-Fi, Mobile network or SIM card.

Registration process contain below steps:

• Login Authentication - User needs to enter INB credentials in login screen.
• Second factor authentication - Once login authenticated successfully, SMS will be triggered to the Registered mobile number to verify.
• mPIN - When user authenticated through the OTP, User is prompted to set a mPIN, This will be used to access the application henceforth.

• Online OTP

In INB screen user selects the option “Online OTP” and then selects the option “Get Online OTP” in the Secure OTP App, INB sends the OTP to the application. This options mandates that user has internet connectivity in mobile. This OTP is entered in INB screen and transaction is authorized.

• Offline OTP

User selects “Offline OTP” option in INB transaction screen.

a. In INB screen a random number is shown in the transaction page.

b. In App user needs to enter the random number to generate an OTP.

c. OTP is entered in INB screen and validated.