DIGITAL PAYMENT (E- PAYMENT, CASHLESS TRANSACTION)

DIGITAL PAYMENT (E- PAYMENT, CASHLESS TRANSACTION)

     Er. Chhungpuia Renthlei.

         Technical Officer

            NIELIT Aizawl

DIGITAL PAYMENT HI ENGE NI?

Digital Payment  awmzia ber chu  pawisa  tak tak  hmang lo a tunlai Information Technology thiamna  electronics  hmanraw hrang hrang Mobile phone, Tablet, Computer,Debit/ Credit Cards, Aadhaar Card e.t.c hmanga fee leh bill pek, pawisa inthawn, thil lei, hotel/air/train ticket booking, bank a kal kher lova pawisa lakchhuah, dahluh, account check e.t,c theihna hi a ni.

E-PAYMENT HI ENGE A TANGKAINA ?

E payment kan hman chuan mahni awmna hmun atangin duh hun hunah Mobile/ computer hmangin. Bank kan dawr thei a, Pawisa kan in thawn thei a, Zirlaiin fee an pe thei a, kan bazar thei a, Electric bill, Tui bill, TV Bill .e.t.c kan pe thei bawk.

Tuna kan pawisa hman dan ber, cash-oriented  transaction  ah hian  pawisa bo, bankah pawisa awm lo, hmun hla taka pawisa in thawn a harsatna te, zirlai leh mipui hnena sorkar tanpuina a dawngtu tur in  pawisa dawn loh te leh eirukna atam hle.Heng harsatna hrang hrang pumpelh tur hian IT lama hmasawnna hmang tangkaiin awlsam zawka mipui, sumdawng leh sorkar tan  digital cash transaction hi a tangkai em em a ni.

  

E PAYMENT TIH THEIH DAN LANGSAR ZUAL DEUH DEUH TE ENGE NI?

E payment tih theih dan langsar zual deuh deuh te chu

1. CARD Plastic Money (Debit Cards/Credit Cards)
2. USSD (Unstructured Supplementary Service Data),
3. AEPS (Aadhaar Enable Payment System)
4. eWallet (PayZapp, Chillr, SBI Buddy, PayTM, Mobikwik etc)
5. UPI ( Unified Payment Interface)

ENGTINNGE E PAYMENT KAN TIH VE THEIH ANG ?

Digital Payment ti thei tur chuan heng te hi kan mamawh :

1. Bank account hawng rawh
2. Mobile no, bank account nena register tir rawh
3. Internet hman theihna hmanrua i.e. Mobile/Tablet/ Computer  nei rawh
4. e payment software applications Google play store atangin download rawh.   

CARD  HI ENGE A AWMZIA?

CARD  hi plastic money tiin an sawi thin bawk. hi  Chi thum a awm a, chungte chu- Prepaid card, Debit card te leh Credit card te a ni. Card   hi bank pek chhuah a ni a, card neitu hnena pek chhuah dan a zirin a hman dan hi thliar hran a ni. ATM atanga pawisa lakchhuah mai bakah Petrol pump ah leh dawr thenkhatah Bank PoS (Point of Sales) khawl an neih tawh avangin mipui ten awlsam takin card kan hmang  thei tawh bawk. 

Entirnan Card hmanga dawra thil lei dan han sawi lawk ila. A hmasa berin Cashier hnenah card pek la,POS khawl ah card kha an lo swipe anga, i thil leina man an lo chhut luh sak ang che. Hemi hnuah  Card PIN  nangman i type lut  ve thung ang.  Tichuan, i thil lei tur man zat kha i account a tangin an lo paih anga, dawr neitu te account ah a lut ang. Dawr nghaktu in receipt sign sa a pe chhuak ang che.In indawr na a zo fel tih hriat theih na turin  mobile ah SMS i hmu ang. Hetiang hian pawisa  pe lovin awlsam takin thil kan lei thei a ni.

USSD  HI ENGE NI  ?

A full form chu “Unstructured Supplementary Service Data” a ni. Hei hi  Phone man to nei pha ve lo leh internet awm lohna hmuna India ram chhunga mi tu pawhin phone man tlawm chi hmanga banking service kan hman theihna na tura  National Payment Corporation of India in a duan a ni. USSD hian “National Unified USSD platform (NUUP) kaltlang in code Telecom service( BSNL, Airtel, Jio, Aircel e.t.c )  engpawh hmang ila  banking service i.e.  Bank account-a Pawisa la neih zat hriatna (Balance Enquiry),  Pawisa che vel report (Mini statement) leh  pawisa  inthawnna (Fund Transfer)  .e.t.c a tih theih a ni.

A hman dan :

*99#  tih hi phone atang khan han dial la, Option  menu a rawn lang anga, menu kha uluk takin chhiar la, type luh tur a sawi ang zelin type luh mai tur a ni.

AEPS HI ENGE NI ?

A full form chu   “Aadhaar Enable Payment System “  a ni. Hei hi Aadhaar Number nena Bank account  hawng ten awlsam zawka an Aadhaar hmanga bank an dawr theihna  a ni. AEPS hmang hian Sawrkar laipui leh State sawrkar atanga tanpuina hrang hrang leh NREGA, Social Security pension, Handicapped Old Age Pension etc. a hmu tur dik tak ten an hmuh theih phah a ni.

AEPS hmanna langsar zual te : Balance Enquiry, Cash Withdrawal, Cash Deposit, Aadhaar  pakhat atanga  Aadhaar danga Funds Transfer) leh Fair Price Shops a thil leina.

E-WALLET HI ENGE NI?

Electronic Wallet hi Online a computer emaw smart phone hmanga pawisa inthawnna   a ni. E-Wallet  hmang turin  SBI Buddy download la, phone number register la, I credit/debit card / net-banking nen thlunzawm ang che.Tichuan, i phone chu i wallet a ni tawh ang. State Bank Buddy hi bank account nena inzawm lo, e-wallet a ni mai a, phone number hmanga pawisa in pek tawn zung zung theihna a nih avangin mitin hman theih a ni.

e-wallet ami pawisa kan dawn te hi keimahni Bank account ah dahluh  mai theih a ni. Thian tha pawisa inpuk tir zawk nan leh inrulh let leh zung zung nan te pawh a tangkai hle dawn. E-Wallet hman hi thil awlai tak a ni a,  phone hmanga awlsam te a thlalak i thawn ang mai a ni. 

E-WALLET SOFTWARE LANGSAR ZUAL DEUH DEUH TE ENGE NI?

1.      E-Wallet Software bank hrang hrang ten  an siam langsar zual te :

SBI Buddy (State Bank of India), Chillr (HDFC Bank), Pockets (ICICI Bank), LIME (Axis Bank),

Citi MasterPass (Citi Bank),  Yes Pay (Yes Bank),

2.       E-Wallet Software Private company ten  an siam langsar zual te : PayTM, Freecharge, Mobikwik, Ola Money, Airtel Money, Oxigen Wallet, Udio, PayUMoney, Citrus

UPI HI ENGE A AWMZIA?

UPI lampum chu “Unified Payment Interface”  a ni. Account number emaw, IFSC code hriat ngai kher lova,   virtual payment address(VPA) emaw, phone no hmanga awlsam taka pawisa inthawn theihna a ni . UPI hi  February, 2016 khan  peih fel a ni a,  Reserve Bank of India (RBI) chuan April, 2016 atang khan hman theihin a pawm a ni UPI software tam tak google play store atangin a download theih. UPI  application hi  mi zawng zawng tan hman a awlsam a ni. Khawi hmunah pawh rang tak leh him takin a hman theih a ni. Electric, tui, phone bill  leh school fee pekna atan a hman theih bawk.. UPI Apps (SBI Pay, Asix Pay ) leh UPI Wallets (PhonePe, Pockets)te hi alar zual te an ni.

VIRTUAL PAYMENT ADDRESS OR VPA  HI ENGE NI?

Virtual Payment Address or VPA  hi  mobile hmanga pawisa inthawn nana UPI payment system hmangtute  address a ni. VPA hi a in ang a awm thianglo. E-mail address siam ang  mai a awlsamin  kan bank account hawnna emaw kan UPI software siamtute virtual address i.e. sanga@sbi, kimi@axis hmangin  kan siam thei.

INTERNET BANKING (NET BANKING) LEH MOBILE BANKING HI ENGE A AWMZIA ?

Internet banking awmzia ber chu  desktop or laptop computer emaw, Mobile hmanga Web browser kaltlanga  banking website  kan va  access hi a ni. Entirnan SBI  chuan  onlinesbi.com  website   an nei. Internet banking hmang hian pawisa dahluh leh lakchhuah tih loh chu  bank dawr kher lovin, transaction hrang hrang a tih theih vek a ni. 

Mobile banking ve thung chu Mobile a banking software application emaw, SMS emaw, Miss Call hmanga    mobile device  hmanraw  hmanga  financial transaction hrang hrang kan tih theihna hi a ni.

Internet net banking ah chuan bank account  leh internet connection neih ngei ngei a ngai

Mobile banking ve thung chuan bank account  leh internet connection neih a ngai kher lo.

SBI freedom hi mobile banking tih theihna software application a ni.

SBI Any where hi Internet banking  tih theihna software application a ni.

Notes : Ministry of Electronics and Information Technology, Government of India (MeitY) chuan “Digital Financial Literacy” lam zirtirna chak takin hma ala meka. Keini mizoramah pawh  Central Sawrkar ruahmanna in National Institute of Electronics and information Technology (NIELIT) Aizawl leh SBI te chuan tunah hian Aizawlah   mipuite ziritirna a kalpui mek a. IT lamah hma kan sawn zela,  kum 2017 atang hi chuan zirna in fee, bazar nan te, petrol, gas leh bill hrang hrang pek nan leh pawisa inthaw tawn nan digital service hi kan hmang deuh fur tawh dawn a ni.