Knowledge Park: IT CBS & NONCBS

(Updated upto 01.04.2023)

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STAFF TRAINING CENTRE, PNB HOUSE, NEHRU GROUND, N I T FARIDABAD 121001
email: [email protected]/[email protected]/

INDEX
Sr No Title

1 Cyber Crime

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2 ATM Response Code
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3 Finhelp- Important Menu Options
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 CYBER CRIME
Cybercrime is defined as a crime where a computer is the object of the crime
or is used as a tool to commit an offense.

When computer is targeted then it will give rise to crimes like: Unauthorized
access to computer systems or networks, physically damaging a computer
system, Theft of electric information, Email bombing Denial of Service attack,
Salami attacks, Virus / worm attacks, Web jacking, Data diddling etc.

Types of Cyber Crime:

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 Email Spoofing: A spoofed email is one in which e-mail header is forged so
that mail appears to originate from one source but actually has been sent
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from another source.
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 Spamming: Spamming means sending multiple copies of unsolicited mails
or mass e- mails such as chain letters.
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 Cyber Defamation: This occurs when defamation takes place with the help
of computers and / or the Internet. E.g. someone publishes defamatory
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matter about someone on a website or sends e-mails containing defamatory

information.

 Harassment & Cyber stalking: Cyber Stalking Means following the moves
of an individual's activity over internet. It can be done with the help of many
protocols available such at e- mail, chat rooms, user net groups.

 Denial Of Service: When Internet server is flooded with continuous bogus

requests so as to denying legitimate users to use the server or to crash the
server.

 Virus attack: A computer virus is a computer program that can infect other
computer programs by modifying them in such a way as to include a
(possibly evolved) copy of it. Viruses can be file infecting or affecting boot
sector of the computer. Worms, unlike viruses do not need the host to attach
themselves to.

 Email Bombing: Sending large numbers of mails to the individual or

company or mail servers thereby ultimately resulting into crashing.
 Salami Attack: When negligible amounts are removed & accumulated in to
something larger. These attacks are used for the commission of financial
crimes.

 Logic Bomb: It’s an event dependent programme, as soon as the

designated event occurs, it crashes the computer, release a virus or any
other harmful possibilities.

 Trojan Horse: an unauthorized program which functions from inside what

seems to be an authorized program, thereby concealing what it is actually
doing.

 Data diddling: This kind of an attack involves altering raw data just before

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it is processed by a computer and then changing it back after the
processing is completed.

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PHISHING

Phishing is a cybercrime in which a target or targets are contacted by email,

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telephone or text message by someone posing as a legitimate institution to

lure individuals into providing sensitive data such as personally identifiable
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information, banking and credit card details, and passwords.

The information is then used to access important accounts and can result in
identity theft and financial loss.They may appear to come from the Bank or a
trusted friend but are actually designed to trick you into downloading a virus to
your computer or directing you to a Web site to disclose sensitive or personal
information.

VISHING

Vishing is a technique of pulling out confidential and personal sensitive

information such as credit card/debit card number, expiry date of card, 3 digits
CVV (Card Verification Value) card PIN, OTP (One Time Password), 3D secure
code, internet banking user ID and password etc. from the account holders by
deceptive means over phone calls. The term is a combination of "voice" and
phishing.

Vishing is the criminal practice of using social engineering over the telephone
system, most often using features facilitated by Voice over Internet Protocol
 (VoIP) or by mobile phones, to gain access to private personal and financial
information from the bank customers for the purpose of financial reward. The
fraudsters sometimes use fake caller-ID data/application like True caller to give
the appearance that calls come from a trusted organization.

KEYLOGGERS

Key loggers are a type of monitoring software designed to record keystrokes

made by a user. Criminals use key loggers to steal personal or financial
information such as banking details, which they can then sell or use for profit.

Key loggers can hardware- or software-based. Hardware-based ones can simply

nestle between the keyboard connector and the computer’s port. Software-based
ones can be whole applications or tools knowingly used or downloaded,
or malware unknowingly infecting a device.

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SKIMMING/CLONING 23 9
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 The act of using a skimmer to illegally collect data from magnetic strip of a
credit, debit or ATM card.
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 The face plates installed on these machines usually contain hardware which
reads your card’s magnetic stripe before it enters into the original ATM card
slot.
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 The information is copied onto another blank card’s magnetic strip.

 The cloned card can be used as a genuine card for carrying out POS purchase
or ATM withdrawal.

Online Frauds

Large number of people are falling prey to the traps of cyber criminals who are
now using latest techniques like Artificial Intelligence (AI) Algorithms to crack
ATM passwords/ PINs

 USE OF HEAT SIGNATURES OF FINGERTIPS

Combination of thermal imaging and Artificial Intelligence (AI) technique is used

wherein AI algorithms are used to accurately guess the passwords as per the
snapped heat signatures. The brighter the area appear on the thermal image,
the more recently it would have been touched. Using such correlations, PINs/
password are being cracked.

Security Aspects
As regards to Security Aspects, for Home PC Users

To Secure E-Mail Account:

 Do not open e-mail attachments from unknown sender.

 Most email sites provide "Filter facility" in the option folder, set your email

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filters, so that the amount of unsolicited email can be limited.

 Use strong passwords that have at least eight characters including numerals
and symbols other than alphabets.
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 Never Use personal information (e.g. user name, birth date, month, standard
words login name etc.) as passwords.
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 Change your passwords regularly (at minimum, every 90days).

 Create a different password for each online E-mail account you use.
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 Do not keep computers online when not in use.

 Never forget to sign out of your email or any other accounts.

To Secure System Data:

 Take regular back-up of important files.

 Regularly download security patches for your operating system software.

 Use anti-virus software and anti-spyware software to keep your computer safe
and secure. If u feel your machine is infected with viruses, then unplug the
phone or cable line from your machine. And scan your entire computer with
anti-virus software.

 Be sure that your WIFI Network secured, use a strong password

 Always Choose the anti-virus software that recognizes current viruses, as well
as older ones & updates automatically.
Precautions to be taken during Online Transaction:

Only Trust a business or individual seller who gives a physical address and a
working telephone number at which they can be contacted in case of any
problems

 Check your credit card bill at least every month.

 Never reply to or click on links in email or pop-ups that ask for personal
information.

 If you're asked for your personal information - your name, email or home

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address, phone number, account numbers learn how it will be protected,
before you share it. There are some indicators that show vendors have
taken measures to secure their sites such as a lock icon on the browser's status
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bar or a website URL that begins "https:" (secure hyper text protocol).
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 If you are directed to a website to update your information, verify that the site
is legitimate by calling the company directly, using contact information from
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your account statements. Never send your personal information via email
because email is not a secure transmission method.
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 “Phishing” pop-up messages usually say that you need to "update" or

"validate" your account information. The message directs you to a website that
looks just like a legitimate organization, but isn't. To trick you into divulging
your personal information so the operators can steal your identity.

 Read website privacy policies. It explains what personal information the website
collects, how the information is used, and whether it is provided to third
parties. If you don't see a privacy policy - or if you can't understand it then do
business elsewhere.

Preventive steps to protect customers from Online frauds

 Avoid using ATMs which are not surveilled properly with video cameras.

 Always examine the ATMs for any suspicious attachments (in ATM rooms walls
or the machine). Hide the keypad area while entering the PIN.
 Press multiple random number keys (buttons) before leaving the ATM
machine/ POS machine/ Smart Locks to generate non-meaningful heat
signatures.

 Properly check the SMSs and emails sent by your bank regarding any
transaction. Contact your Bank instantly, if a suspicious transaction is
spotted.

 Follow @CyberDost on Twitter, YouTube, Facebook, Instagram, Public, Koo

and LinkedIn to know more about safety tips

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 ATM Response Code

CODES DESCRIPTION

00 Transaction approved with balance: Transaction approved and okay with

display of balance.

01 Transaction approved without display of balance: Transaction approved

and okay without display of balance.

50 Unauthorized Usage: Card is not authorized for usage.

51 Expired Card: Card used is expired.

52 Invalid Card: No CAF record for Card is available.

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53 Invalid PIN: Incorrect PIN is being used.

54 Database problem: Card could not be used because of Base 24/branch

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database
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problem.

55 Ineligible Transaction: Transaction denied because processing restriction

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imposed on
type of transaction being performed.
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56 Ineligible Account: The transaction could not be performed because of

restriction on /
difficulty with the account specified in cardholder‟s CAF record.

57 Transaction not supported: Type of transaction being attempted is not

supported by the
ATM.

58 Insufficient Fund in case of OD accounts.

59 Insufficient Fund in case of Deposit Accounts.

60 User Limit Exceeded: Limit of maximum number of withdrawal allowed

during current
usage period exceeded.

61 Withdrawal Limit Exceeded: Transaction declined because it would have

caused Limit of
cardholders withdrawal allowed during current usage period to be exceeded.
62 PIN tries exceeded: Cardholder had already reached the maximum no. of
PIN tries
allowed for the current usage period.

63 Withdrawal Limit Already Reached: Transaction denied because card

holder has already
reached maximum withdrawal limit during the card usage period.

64 Invalid Credit Card Cash Advance Amount: (Applicable in case of Credit

Card only)
Transaction denied as it did not meet the criteria set for credit of the credit
card issuer.

65 No Statement for information for the Account: Transaction denied by the

host, i.e.

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database.

66 Statement Information Not Available: Transaction denied by the host i.e.

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67 Invalid Cash Back Amount; (Applicable in case of cash back deposits)
Transaction declined because amount requested back in a deposit with cash
back transaction exceeded the amount of the deposit.
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68 External Decline: Transaction declined as a result of processing by an

external system
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(Host).

69 No Sharing Between the card issuer and terminal owner: Transaction

declined when
there is no sharing between card issuer and terminal owner.

70 System Error: Transaction denied because ATM record was faulty.

71 Contact Card Issuer: Transaction declined due to following reasons:

 PAN (Personal Authorization Number) of the card is incomplete.

 Cash withdrawal attempted less than minimum withdrawal allowed.

72 Destination not available: Transaction denied, as the destination is

not available. (Database cannot be accessed).

73 Routing Look Up Problem: Transaction declined because of a configuration

problem.

74 Message Edit Error: Transaction declined because invalid data was

encountered.

150 Hot Listed

 FinHelp- Important Menu Options
Saving / Current Account
Opening of Savings Account HOAACSB
Verification of Saving Account HOAACVSB
Menu used by branch for Opening of CA/SF Account through Back BOCUSTCO
Office
Modification After Verification HACM
Modification of Saving Account before Verification HOAACMSB
Account Ledger Inquiry HACLI/ HACLINQ
Deposit Cash PCASHDEP
Transaction Maintenance HTM

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Printing of Passbook HPBP
Passbook Print Reset HPBPR
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Issuance of Personalized Cheque Book CBSCHQBK
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Issuance of non- Personalized Cheque Book HICHB
Destroy Cheque Book CHBD
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Cheque Book Maintenance HCHBM

Stop Payment Of Cheque HSPP
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Verification Of Stop Payment HSPPAU

Revoke Stop Payment HSPP
Charges Collection HCACC
Account Closure HCAAC
Update Cheque Status HUCS
Opening of Current Account HOAACCA

Verification of Current Account HOAACVCA

Modification of Current Account before Verification HOAACMCA
Printing Statement of Account HPSP
Change CIF ID of Account HCCA
Interest Run for Account HACINT

Transfer of Saving/ Current Account to Operative Category OPACTF

Account Balance Inquiry HACCBAL

Summary Details of a Customer HCUSUM

Current Accounts of Customer HCUCA

Saving Accounts of Customer HCUSB

Deposit Education and Awareness Fund Claim DEAFC

New Mini Deposit Scheme -Opening of Account MDNOAAC

Increase in Threshold Limit THRESHLD

Upgradation of OTP based eKYC accounts, opened online in Non-face- VKYCACT
to-face mode, to full KYC Account
Demand Draft
Issuance of Draft HTM
Printing of single DD HDDPRNT
Printing of all DDs HDDPALL
Reprinting of DD HDDRPRNT
Cancellation of DD HDDC
Marking of DD lost HDDLOST

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Issuance of Duplicate DD HDDD
DD Status Maintenance HDDSM
DD credit account inquiry HDDIC
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DD debit account inquiry
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Inventory Management
Inventory Movement Authorization Maintenance HIMAUM
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Inventory Movement Between Locations HIMC

Inquire & Split Inventory (Own Location) HISAI
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Inquire & Split Inventory (All Location) HISIA

Inquire & Merge Inventory (Own Location) HIMAI
Inquire & Merge Inventory (All Location) HIMIA
Inventory Status Report (All Location) HISRA
Inventory Inquiry All HIIA

Miscellaneous
Memo Pad Look Up (Add/Delete) HMEMOPAD
Verify A Memo Pad HMPAU
Marking/ modifying Lien HALM
Freezing/ Unfreezing Account HAFSM
Standing Instructions Maintenance HSIM
Standing Instructions Inquiry HSII
Transfer of Accounts between SOLs HACXFSOL
Transfer of Scheme Code of Account HACXFRSC
Finacle Menu Option Help FINHELP

Mapping of Menu from Finacle 7 to Finacle 10 MENUHELP

Reports Menu Options Inquiry REPHELP
User Profile Maintenance HUPM
Branch Table Inquiry HBRTI
To capture GST details of Customer CUSTGST
Customer Search CUSTSRCH
Credit Rate Management System CRMS
Suspend CIF ID CUMMSUSP
CIF CREATION BIO-METRIC CCBM
Outstation Instrument Collection Maintenance HOICM
Forwarding Schedule for ODBC entered through HOICM OSRPT
Temporary Overdraft Maintenance HACTODM

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PAN Correction PANCORR
Transfer of CIF (Menu to be executed by Transferee Branch) CIFTRF
CUSTOMER ID STATUS CUSTSTAT
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Capturing Biometric Device details for enablement of Registered Device
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Services REGRD
BC Cheque Collection Branch BCCHQCOL
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Correction of Constitution Code- PAN Mismatch UPDCONST

Cleansing of Junk Values in Mother’s Name, Father’s Name and
Spouse Name without visiting CRM DETUPD
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Concession/ Relaxation in CBS in Non- Credit related Service Charges CONCESS

Term Deposits
Deposit Modeling HDEPMOD
Opening of FD/RD Account HOAACTD
Verification of FD/RD Account HOAACVTD
Modification of FD Account before Verification HOAACMTD
Modification of FD Account after Verification HACMTD
Opening of FD in days FDACOPN
Opening of Flexi RD FOAAC
Closure of Flexi RD FCAAC
Printing of FDR HDRP
Duplicate Receipt of FDR HDUDRP
Modification Of Term Deposit HACMTD
Closure Of Term Deposit HCAACTD
Statement for Flexi FD FLEXIPSP
Deposit Flow Regularization HREGFLOW
Renewal History HRENHIST
TDS Refund HRFTDS
Generation of TDS Certificate HTDSIP
Account Balance details HACDET
Renewal of Term Deposit HTDREN
Extension of period of Term Deposit HTDEXT
Pending Installments List HPLIST
Account Selection HACS
General Deposits Details HGDET
Handling 15G/15H TAXEXM
Handling exemptions/ rebates on TDS EXMPTDS

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Customer's Term Deposit A/Cs HCUTD
Preferential Rate Update PRFUPD
Backdated FD Opening MIPBD
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Payment of FD to Customers not maintaining Running Account FDREPAY
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Alternate Delivery Channels
Request for issuance of Internet / Mobile Banking ADCREQ
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Debit Card Issuance DCARD

Registration/modification of Transactional Alerts on SMS / Email ALERTS
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Debit Card Inventory Management DCARDINS

Search Account details using Debit Card Details HCDM
Duplicate PIN for PMJDY Cards PINREQ
Issuance of Prepaid cards PPISS
Reloading of Pre-paid Cards PPCLTM
Surrender of Suvidha Card PPSUR
Hotlisting of Debit Card HOTLIST
Credit Card Application CCAPP
Credit Card Payment CCPAY
Generate Application Schedule for Credit Card GENDNLD
Request for NEFT/ RTGS HPORDM
Bulk NEFT HNFTBLK
Bulk RTGS HNRTBLK
NEFT/ RTGS Transaction Inquiry HUTRI
ATM EOD ATMEOD
BNA EOD CAATMEOD
e-statement Registration UPEMAIL
Debit Card Related Reports CARDREP
Doorstep Banking Services DSBS
FDRSAFE
Setting/ Modifying/ Cancelling Safety Ring
Lockers
Locker Key Maintenance HLKKM
Locker Customer Maintenance HLKCM
Locker Transactions-History Maintenance HLKCHM
Locker Rent – Charge Collection Maintenance HLKRCM
Locker Operations HLKOPS
Locker Reports LKREPM

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Maintaining waitlist of lockers in CBS WAITLIST
Income/ Expenditure
Expenditure Transaction Maintenance 23 9 EXTM

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To Delete EXTM Number EXTMDEL
Vendor Management System VENDORM
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Menu option to recover charges MCHRG

Income/ GST reversal INCREV
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Income/ GST reversal- Bulk Entries INCREVBK

Non-GST Charge Calculation for Loans PNBLACHG
GST External Charges Upload CEXCUPL
Fixed Assets Management System
Fixed Assets Management System FAMS
Reports related to FAMS FAMSRPT
Government Business
NPS Registration HNPSREG
Contribution to NPS NPSCON
SukanyaSmridhi Account - Printing of Passbook PBPSSA
Printing of PPF Passbook PBPPPF
Registration of Customer for Atal Pension Yojana APYREG
Request for PMJJBY PMJJBY
Request for PMSBY PMSBY
Issuance of FasTag FTAGISS
Reloading FasTag FTAGRLD
TIN Collection Branch TINBR
 Cash Credit
Opening Of CC Account HOAACCC
Modification Before Verification HOAACMCC
Verification Of Account HOAACVCC
Account Modification HACM
Force Interest Run in CC Account HACINT
Closure HCAAC
Account limit History Maintenance HACLHM
Account Drawing Power Maintenance HACDPM
Getting Approval for Changing DP Indicator for CCOTH Accounts CHGDP
Relaxation of Renewal through LenS RENRELAX
Collateral Maintenance

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Collateral Maintenance HCLM
Linkage Of Collateral HSCLM
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Collateral Look Up HCLL
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Modification in collateral related to Loan against Bank Deposit HLACM

Limit Node
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Limit Node Maintenance HLNM

Limit Node Details HLNDI
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Limit Tree Lookup HLTL

Loans
Loan Account Opening HOAACLA
Loans General Inquiry HLAGI
Loans Overdue Position Inquiry HLAOPI
Loan Repayment Schedule Report HLARSH
Loan Demand Satisfaction Program HLADSP
Loan Lien Process HLALIEN
Loan Interest Transfer Liability HLARA
Loan Pay Off Process HPAYOFF
Loan Statement Print HLAPSP
Loan Demand Generation/Force Interest Run HLADGEN
Loan Modelling HLAMOD
Loan Account Scheduled Payment HLASPAY
Loan Account Rescheduling HLARA
Loan Account Modification After Opening HACMLA
Handling of Subsidy TMPS
Education Loan Details Maintenance EDULOANM
Subsidy Claim of Education Loan EDULOANM

Inquiry on History of Partition Accounts HPHINQ

Inquiry on Partitioned A/c HPARTINQ

Interest Rate Modification in Loan accounts HLINTTM

Concession/Relaxation in Interest Rate – MCLR Based Accounts INTCH (by ZO User)

Concession/Relaxation in Interest Rate – Non-MCLR Based Accounts INTCM (by ZO User)

Loan Demand Effective Date Change- Simple Interest LAIDC

Account Level Relaxation in Service Charges in Loan Accounts RELAXSC

Customer Level Relaxation in Service Charges in Loan Accounts LOANCHRG

ADPMAY

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Additional Details for PM AwasYojana
Capturing MIS for Restructured Accounts RPCVD

Udyam Registration Details URDM

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Issuance of System Generated No Dues Certificate NDCISSUE
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Marking of Fraud in Borrowal Accounts on the basis of Customer ID CUFRD

Mapping of Restructuring / Rescheduling in CBS system RESDET

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Capturing Draw Down Schedule of Term Loan Accounts in CBS DISBSCH

Mandatory Capturing of Operative Account Number / NACH/ Check-off PREDISB
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Facility, Contact Details and Other Checks before Disbursement

Allow Transaction in Loan Interest Income Heads (Access is available to RINCM
ZC users of Credit Departments at Zonal Offices)
Reversal from Vehicle Loan Pool Account DBTPOOL

NPA
Appropriation of Recovery in NPA A/Cs HNPACR

Recording Charges in NPA Accounts NPACHRG

NPA Details NPAD

NPA Account Write-Off & Compromise Details COWO

Letter Generation For Loan Account Follow-up LETGEN
Loans Overdue Demand Reminder/Report HLAODR

Closure of NPA Accounts NPACLS

Restoration to NPA Classification NPARST

NPA Recovery from Inoperative Accounts INNPAREC

Inquiring Various Information about NPA & Standard Accounts NPACBAL

Bank Guarantee/ Non Fund Based Facilities

Outward Guarantee OGM
Bank Guarantee Covering Schedule BGCOV
Guarantees Issued/Liability Register HGILR
Guarantee Inquiry HGI
Collection of Bank Guarantee charges APCHCOLL

Non Fund Based Details NFDTL

Generation of Solvency Certificate for Borrower and Non Borrower SOLV
Customers
BENCHG
Beneficiary Name Modification during BG Extension
FOREX
Money Transfer Service MTSS
Inward Remittance Maintenance HIRM
Outward Remittance Maintenance HORM

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Maintain Export & Outward Bill MEOB
Maintain Import and Inward Bills MIIB
Inward Documentary Credits Maintenance 23 9 IDCM
Outward Documentary Credit Maintenance
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Maintain Trade Financing Transactions MTFT
Third Party Products
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Linking / delinking Bank Account with Demat Account DEMAT

Collection of Premium for PNB Met Life and CHOICe PAYPREM
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ASBA Admin ASBA

ASBA Application in Branches ASBABR
ASBA Reports ASBARPT
Syndicate ASBA for uploading the Application File SYNASBA
Syndicate ASBA modification after uploading ASBASCSB
Opening of Simplified Demat Account for Existing to Bank (ETB)
customers, based on existing KYC of customer with Bank OPNDEMAT
Day End Related Menus
Actual Changing Date Of Sol HSCOD
Report For Checking Pendency HSVALRPT
Closure Of Sol Operations HSOLOP
Sol Closure Of Last Day HSCOLD
Sol Status Inquiry HSSI
HSCOD Process Pending Checklist HSCODCHK
Daily security check menu SECCHK
User login Maintenance HSAC
Financial Transaction Inquiry HFTI
Financial Transaction Report HFTR
Audit File Inquiry HAFI
DMS/ Control Reports Check CTRPTCHK

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Compiled by: Faculty, Staff Training Centre: Faridabad

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