Reduce complexity by enabling your customers to activate their cards and set PINs securely using just their mobile phones – enhancing convenience while maintaining the highest levels of security.
A secure and efficient SMS banking solution
Card activation via SMS
Customers can activate their cards by sending SMS requests containing key card details.
Utilizes short codes to receive and process activation requests.
Network International validates the data and confirms activation upon successful validation.
Card activation with PIN setting via SMS
Customers can activate their cards and set PINs simultaneously through a single SMS.
Supports secure PIN block encryption as per ISO 9564 standards.
Security management
Enforces validation of SMS details, rejecting invalid requests (e.g., incorrect templates or PIN formats).
Utilizes encryption utilities for PIN block preparation and secure communication channels.
Adheres to strict standards, including TPK encryption and API communication over TLS1.2 channels.
Operational features
Supports unique and multiple short codes for financial institutions (FIs).
Offers real-time validation, status responses, and rejection reasons for failed requests.
How It Works:
Card Activation Only
Customer Action:
Sends SMS containing the first 6 and last 4 digits of the card number to the bank's short code.
Processing Flow:
The request is validated by Network International through API integration, using card details and registered mobile numbers.
A matching process is carried out to verify data.
Response:
On successful validation, the card is activated, and confirmation is sent to the customer.
Failed validations are accompanied by a rejection message with the reason.
Card Activation and PIN Setting
Customer Action:
Sends SMS containing the first 6 and last 4 digits of the card number and a 4-digit PIN to the bank's short code.
Processing Flow:
Network International validates the card details and mobile number combination via API calls.
A PIN block is prepared and encrypted using public and private keys.
PIN setting and card activation are processed in tandem.
Response:
A success confirmation is sent to the customer for both actions.
Any failure returns a rejection message with the cause.
