Digital Payments Toll Free Number Started There Services

For solutions of  Digital Payments Help line (14444 )was allotted out with all Services IT allotted this toll free number with merging Telecom Industries customers can  clear all the doubts and also can get solutions if any problems faced by BHIM app

Telecom Secretary JS Deepak  cleared that If Customers face any problems after digital payments we can also give the feedback what are the problems faced during DIGITAL PAYMENTS we can also get solutions for all the confusions and customers also can get solutions of Bharath Interface, Payments also payments done by  AADHAR CARD and E-wallets  

This toll free number (14444) services available in north, east states and this toll free will be available in English and Hindi shortly over nation.   

Be Aware a Malware is spreading through Whatsapp

whatsapp is a leading social media platform now-a-days. We can share and receive different kinds of files of course there is a limit for file size. A hacker created and sharing some viruses attached to XLS spread sheets. These two files are namely “NDA-ranked-8th-toughest-College-in-the-world-to-get-into.xls”and“NIA-selection-order-.xls”.

NDA and NIA are the main Industries for security and defense. The hacker took the advantage of these industries names and sharing these MOBILE MALWARE under the above mentioned files.

As soon as you click on these malware files , the malware code gets executed on your phone and steals everything that is possible and drops the valuable information (might be credit card info, debit card info, bank details ,photos , contacts and even more) into the hands of the hacker.

Official Mobile app (BHIM) Released By Prime Minister Narendra Modi

UPDATE:

VOILA………… finally PM modi have released a aadhar based mobile payment application today called BHIM ( Bharat Payment Interface for Money).This app was released on Android platform for now , but expected to be released on other platforms soon.

As we have published earlier regarding this app . you can check it out below.

OLDER POST:
On December 25^th, our Prime Minister Narendra Modi is going to release a new app for cashless payments. So you need not to carry your credit or debit cards all the times in your wallets. You just need your Aadhar number (and most important your finger to give finger print) to make Transactions or Payments.

The merchants need to buy a new hardware called “Biometric Reader” for 2000/- , after purchasing this the merchant should download the app (after it is releases) and connect their smart phone via miniUSB.

Finally, if a customer has to pay the bill to Merchant, the merchant should enter the amount to be paid on the app. Next, the customer checks the amount if it was correct.

If so, the customer need to enter his/her Aadhar number and then should select the bank account which has sufficient balance and finally to authorize the payment customer should put this/her thumb in Fingerprint Reader. If all the details are correct then the payment is authorized.

Pros of this method:

You need not to carry your cards all time.

The customer needs not to have a smart phone.

Highly secured, since you are using fingerprint to authorize transactions.
Cons :
APP is available only on Android platform.

HOW DO CHIP CARDS WORK? (Credit Card)

For most of our purchases we usually use credit cards which have magnetic stripe that stores the data inside it.

so when you swipe your credit card or debit card in a swiping machine , your card just sends the stored card number and expiration date in an insecure manner , so it can be quite easily stolen by hackers in a variety of ways and can use your card at best to waste your money and at worst can buy some illegal things which can get you in trouble and most skilled hackers can inject malware into these purchase systems as well as ATM's main databases and can steal card numbers as well as pin numbers. Best example is recent hack on Indian bank systems like SBI, ICICI, in October 2016.

And there are more secure cards that contain small chip on it; these are referred as EMV cards. What these cards do is, they send a random generated token that is valid for that transaction only and cannot be used later.

 These encrypted tokens are decrypted by the terminal. The terminal can use encryption keys to get your account information and can validate your transaction. so even if a cyber criminal gets that token it is of no use....

 Since these codes are one-time usable, And even if you lost your card it is impossible for an attacker to clone your card.

Even if he uses your original card he had to know the PIN.

But we cannot stop him by simply using your card number for online purchases, don't worry today’s systems are more secure and they require OTP for authentication.

You must be very careful and shouldn't tell any of your details to unknown persons and never ever trust who asks your details and pin on a phone call or message, no bank asks for pin or card number.