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Digital Payment Solution ‘e-RUPI’ To Launched In India

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Prime Minister Narendra Modi today launched e-RUPI, a person and purpose-specific digital payment solution. Underlining that Modi has always championed digital initiatives, the Prime Minister’s Office said over the years, several programs have been launched to ensure the benefits reach intended beneficiaries in a targeted and leak-proof manner, with limited touchpoints between government and beneficiary. The concept of electronic vouchers takes forward this vision of good governance, it said.

What is e-RUPI? How does it work?
As per a tweet by Prime Minister Narendra Modi, “e-RUPI is a cashless and contactless instrument for digital payment.” e-RUPI is a “QR code or SMS string-based e-voucher, which is delivered to the mobile of the beneficiaries”, states the official press release.

This will act as a prepaid voucher that can be redeemed as payment to a service provider, eliminating the need for a card, digital payments app or internet banking access. It will connect “sponsors of service providers with beneficiaries and service providers” digitally. It assures “timely payments” without the involvement of any intermediary. As per the official statement, “it also ensures that the payment to the service provider is made only after the transaction is completed.”

The digital payment solution is developed by the National Payments Corporation of India (NPCI) on its UPI platform, in collaboration with the Department of Financial Services, Ministry of Health & Family Welfare and National Health Authority.

Users can redeem the voucher by scanning a QR Code received via SMS.

Where can one use e-RUPI?
As per the official statement, the digital payment service can be used to ensure “a leak-proof delivery of welfare services”. It can also be used to deliver services under schemes meant for providing drugs and nutritional support under Mother and Child welfare schemes, TB eradication programmes, drugs & diagnostics under schemes like Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, fertiliser subsidies and so on.

As for the private sector, the government suggested the sector can leverage these digital vouchers as a part of its “employee welfare and corporate social responsibility programs”.

How is e-RUPI different from other digital payment apps?
The chief difference between e-RUPI and other online payment apps is that e-RUPI is not a platform or an app. It is a voucher that can be redeemed for specific services only. Unlike other payment services, the user does not need to have a digital payment app or even a bank account to redeem this voucher.

What are the benefits of using e-RUPI?
According to the NPCI website, it is beneficial for corporates as it is an end-to-end digital transaction that doesn’t require any physical issuance. Therefore, it will lead to cost reduction for the organisation. Additionally, the website reveals the issuer will be able to track voucher redemption.

e-RUPI will be beneficial for users as it is “easy and secure”, as per the official statement. Since it has a pre-blocked amount, chances of a transaction being declined will be significantly lowered. As per NPCI, it has a two-step redemption process and the user does not need to share any personal details while redeeming the voucher. Notably, consumers do not need to have a digital payment app to redeem the voucher.

Which banks are live with e-RUPI?
As per NPCI, State Bank of India, HDFC, Axis, Punjab National Bank, Bank of Baroda, Canara Bank, IndusInd Bank and ICICI Bank are already live with the e-RUPI digital payment solution.

Business

75 രൂപയ്ക്ക് 26 ദിവസം കാലാവധി: ആകർഷകമായ പ്ലാനുകളുമായി ജിയോ

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പുതിയ ഉപഭോക്താക്കളെ ആകര്‍ഷിക്കാന്‍ പുത്തന്‍ പ്ലാനുമായി പ്രമുഖ ടെലികോം കമ്പനിയായ ജിയോ. 75രൂപയ്ക്ക് 26 ദിവസം കാലാവധിയുള്ള പുതിയ പ്രീപെയ്ഡ് പ്ലാനാണ് കമ്പനി അവതരിപ്പിച്ചിരിക്കുന്നത്. 75 രൂപയുടെ പ്ലാനില്‍ പരിധിയില്ലാതെ വിളിക്കാം. എന്നാല്‍ വിദേശ കോളിന് ഇത് ബാധകമല്ല. മൂന്ന് ജിബി ഡേറ്റ ഉപയോഗിക്കാം. 75 രൂപയുടെ പ്ലാനിന്റെ ഭാഗമായി പിന്‍വലിച്ച 39, 69 രൂപയുടെ പ്ലാനുകളുടെ നിരക്ക് തുച്ഛമായിരുന്നെങ്കിലും കാലാവധി 14 ദിവസം മാത്രമായിരുന്നു. 39 രൂപ പ്ലാന്‍ തെരഞ്ഞെടുക്കുന്നവര്‍ക്ക് പ്രതിദിനം 100 എംബി ഡേറ്റ മാത്രമാണ് ഉപയോഗിക്കാന്‍ സാധിക്കുകയുള്ളൂ. എന്നാല്‍ 69 രൂപയുടെ പ്ലാന്‍ എടുക്കുന്നവര്‍ക്ക് 500 ജിബി ഡേറ്റ ഉപയോഗിക്കാന്‍ സാധിക്കും. ഉപഭോക്താക്കളെ ആകര്‍ഷിക്കാന്‍ പുത്തന്‍ പ്ലാനുമായി പ്രമുഖ ടെലികോം കമ്പനിയായ ജിയോ. 75രൂപയ്ക്ക് 26 ദിവസം കാലാവധിയുള്ള പുതിയ പ്രീപെയ്ഡ് പ്ലാനാണ് കമ്പനി അവതരിപ്പിച്ചിരിക്കുന്നത്.
Sources:globalindiannews

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Business

Facebook’s Smart Glass has been released, and these are the features

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Facebook Inc, in partnership with Ray-Ban, launched its first smart glasses named ‘Ray-Ban Stories’ on Thursday in a step toward its aim of offering true augmented-reality spectacles.

“Today, we’re excited to launch Ray-Ban Stories: smart glasses that give you a new way to capture photos and video, share your adventures and listen to music or take phone calls — so you can stay present with friends, family and the world around you,” Facebook said in a blog post.

The glasses, which were created in partnership with Ray-Ban maker EssilorLuxottica, allow wearers to listen to music, take calls or capture photos and short videos and share them across Facebook’s services using a companion app. Facebook said the glasses line, called “Ray-Ban Stories,” would start at $299.

It also will be available for purchase in 20 style combinations online and in select retail stores in the US, as well as Australia, Canada, Ireland, Italy and the UK.

Facebook smart glasses: How it works

Ray-Ban Stories comes with dual integrated 5MP cameras, which will help in taking photos and up to 30-second videos using the capture button or hands-free with Facebook Assistant voice commands.

Meet @ray_ban Stories built with @Luxottica: our first-gen smart glasses 😎 that let you capture and share first-person photos and video, listen to music and take phone calls from the speakers built into the frames – no headphones needed.

A hard-wired capture LED lights up to let people nearby know when you’re taking a photo or video. Streamlined, open-ear speakers are built in, and Ray-Ban Stories’ three-microphone audio array delivers richer voice and sound transmission for calls and videos.

Beamforming technology and a background noise suppression algorithm provide for an enhanced calling experience like you’d expect from dedicated headphones.

What’s more? Ray-Ban Stories pairs with the new Facebook View app as well. The Facebook View app on iOS and Android will help import, edit and share content captured on the smart glasses to apps on your phone: Facebook, Instagram, WhatsApp, Messenger, Twitter, TikTok, Snapchat and more. Users can also save content to your phone’s camera roll and edit and share from there.

The social media giant, which reported revenue of about $86 billion in 2020, makes most of its money from advertising but has invested heavily in virtual and augmented reality, developing hardware such as its Oculus VR headsets and working on wristband technologies to support augmented reality glasses.

Facebook’s chief scientist said last year the company was five to 10 years away from being able to bring to market “true” AR glasses, which would superimpose virtual objects onto the wearer’s view of the real world.

Major tech firms including Amazon.com Inc, Alphabet Inc’s Google, Microsoft Corp, Apple Inc and Snap Inc have raced to develop various smart glasses products, but early offerings like Google Glass proved difficult to sell to consumers put off by high price points and design issues.

Snap, which unveiled its smart Spectacles in 2016, this year launched AR glasses but they are not for sale and are offered only to AR creators. Snap’s CEO, Evan Spiegel, said in 2019 that he expected it would be a decade before consumers widely adopted AR smart glasses.

Facebook’s CEO, Mark Zuckerberg, recently announced the company was setting up a team to work on building the metaverse, a shared virtual environment which it is betting will be the successor to the mobile internet.

Facebook, which has been criticized over its handling of user data, said on Thursday it would not access the media used by its smart-glasses customers without their consent. It also said it would not use the content of the photos or videos captured using the glasses and stored in the Facebook View app for personalizing ads.

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