RBI (Reserve Bank of India) and other banks have launched a smartphone app for easy payments. Known as Unified Payments Interface, this app will make the money transactions (below Rs. 1 lakh) easier. Further, it is said that using this app is also very convenient, both for regular transactions and paying money to someone.
In case, you need to pay money to someone, you will just need the receiver’s unique ID. After this, you money will be sent in just 4 simple steps:
1. Open the app
2. Provide the amount that is to be paid
3. Add the receiver’s ID
4. Select send
Finally, you’ll be asked for a mobile pin. This is simply to authenticate the payment.
Thus, without any IFSC code, you can transfer money from your account to other’s account.
• You must have a smart phone plus a bank account.
• Open playstore and download the bank’s UPI app.
• Link the bank account
• Unique ID creation
• Mobile pin Generation
• Link Aadhaar number
As per the reports, only 10 banks are involved in this. However, sources suggest that few banks may join in future.
Additionally, you can use any bank’s system. You do not need to have an account with a particular bank to use this app.
Now the online buyers on Amazon could verify their payment just with a selfie. Actually for an authentication purpose, the buyers will just have to capture a selfie. This will verify that you are a real human being. This step is considered to great from security point of view.
The e-commerce company has filed a patent for this. It is said that the buyers would be asked to perform this action at the time of payment confirmation.
As per reports, this would be a great treat for the online customers, as some customers have the habit of storing their password in phone (as they cannot memorize it). With this, the chances of their password getting stolen, increases. Anyone could use your phone and steal the password.
On the other hand, using a simple selfie, the customer can always feel free to confirm the payment, without having to enter those long passwords or mugging them up.
Thus, online shopping on Amazon is about to bring good news for the customers. Further, this amazing technology will determine whether or not the camera was used by that specific customer.
Google also launched similar type of app allowing customer to pay for goods using their face. One major difference that lies between Amazon and Google technology, is that Amazon offers the technology to the let the customers buy things online; while, Google will let the customers buy products through physical locations.
In the near future, you could make transactions through Twitter. This is because of the partnership that was announced between the company and another company ‘Lookup’.
So, users will be able to make appointments and transactions easily. Lookup provides a direct messaging platform to the customers and retailers. So, they can easily chat with each other
Almost 1.2 million users are registered in it. Users will be allowed to send a message to @lookuplite for making transactions, inquiring for services.
At present the buy button is greatly helping the users, as it helps the users to buy anything directly within the network. Now, with option, people will be able to make payment and orders.
According to reports, it is said that Twitter’s monitoring capabilities and API will be used, in order to connect merchant and the customer.
Keep reading: अब होंगे सभी सरकारी भुगतान बिना कैश के
It is also said that the users will not be connected through phone numbers; rather Google Maps will be used. Google Maps will provide info about the retailers in the particular area.
बहुत जल्द सरकार एक ऐसी सुविधा लाने वाली है जिसकी वजह से सभी सरकारी भुगतान बिना कैश के हो पाएँगे। अगर किसी को भी एक हजार रुपये से ज्यादा का सरकारी भुगतान करना है तो उसे वह पेमेंट इलेक्ट्रॉनिक माध्यम से ही करना होगा।
यह ही नहीं बल्कि कम मूल्य के सरकारी भुगतान भी इलेक्ट्रॉनिक तरीके से होने शुरू हो जाएँगे। जल्द ही इस सपने को कुछ सरकारी एजेंसियां और रिजर्व बैंक साकार करेंगी।
सब्सिडी भुगतान का एक बड़ा हिस्सा इलेक्ट्रॉनिक बन चुका है क्योंकि लाभार्थी के खाते में पैसे सीधे ट्रांसफर हो जाते हैं।
मन जा रहा है कि 2016 तक एक ऐसा प्लेटफार्म बन जाएगा जिसके जरिये सभी सरकारी भुगतान इलेक्ट्रॉनिक तरीके से हो जाएँगे। छोटे भुगतान जैसे 100 rs. से कम वाले भुगतान भी अब कैशलेस हो जाएँगे।
[ यह भी पढ़ें: कैश को कहें bye और इन एंड्राइड एप्स से करें मोबाइल बिल्स अदा ]
सूत्रों की मानें तो कार्ड भुगतान पर जो शुल्क लगता है, वह केंद्रीय बैंक द्वारा बंद हो सकता है। पर अभी यह केवेला एक सुझाव है।