* CHRONICLE - PENSIONERS CONVERGE HERE, DISCUSS ISSUES OF THEIR CHOICE * CHRONICLE - WHERE EVEN THE CHAT COLUMN PRODUCES GREAT DISCUSSIONS * CHRONICLE - WHERE THE MUSIC IS RISING IN CRESCENDO !
               
                                   

Monday, September 01, 2014

RuPay PaySecure

We are pleased to inform that RuPay Debit Cards can now be used for online transactions and payments through RuPay PaySecure an e-Commerce solution of National Payments Corporation of India (NPCI). RuPay PaySecure not only provides a platform for e- transactions but also gives the customers a complete unique shopping experience. The RuPay Card can be used at all ATMs, merchant establishments in India for online transactions and payments. 

Key Features
  • The solution offers enhanced security measures in addition to 
  • the RBI mandated 2-Factor authentication viz. registration, OTP, image based authentication and anti-phishing measures.
  • Highly secure with unique anti-phishing properties
  • User friendly and smooth adaptability
  • Simplified architecture & transaction flow reduces transaction time, resulting in faster transaction processing and reduction in drop-outs
  • Customer Experience: During the online payment the cardholder’s authentication data is collected in a secured manner. Further, with help of a bank themed (Looks exactly similar to the card that the customer is holding) PIN pad the cardholder has to enter the PIN number while making the payment. The pad shuffles each time a digit is entered as an additional security measure.
Target Customers
  • All RuPay Debit Card Holders for online transactions viz. bill payments, online purchases etc.
  • It is mandatory for every customer to be registered with PaySecure to avail RuPay E-commerce services
  • Customers will be authenticated by their issuing bank using methods like OTP (One Time Password)/net banking credentials or challenge questions etc. or any other parameters defined by the issuer bank for the first successful transaction. The customer will have to complete one successful transaction to be registered.
  • Customer will have to select an image and enter a phrase to register his RuPay card for online usage during his first transaction on e-merchants website.
  • In subsequent transactions, the customer will have to identify the correct registered image in order to get primary validation and acknowledge the phrase along with last three online transactions. This is an anti-phishing measure.
  • Subsequently the image and phrase become level one validating factors (please note there validations only permit customer access to PIN Pad page and is not considered for final transaction authorisation). In case the customer forgets or exceeds the number of attempts for image selection they will need to wait till next business day for card to be unblocked or re-register to enter new phrase and select a new image.
  • Customer is required to use a valid ATM PIN for authorization of the e-Commerce transactions. Customer will have to enter PIN on the “bank themed” (Look of the page will be exactly similar to the physical card used by the customer) scrambling PIN pad using mouse clicks only. The PIN pad will shuffle each time a digit is entered. This is an additional security measure.
  • The customer will now be notified about the successful transaction on submitting a valid PIN.
Posted by at