Digital Reforms Computers YouTube Lecture Handouts

4/25/2018----Digital Reforms in India – Payment & Governance – Major Computer Terminologies YouTube Lecture Handouts- Translation in Hindi,
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Digital Reforms in India – Payment & Governance – Major

Computer Terminologies YouTube Lecture Handouts Translate
Get video tutorial on: https://www.youtube.com/c/Examrace
Watch video lecture on YouTube: Digital Reforms in India: Payment & Governance –
Major Computer Terminologies Digital Reforms in India: Payment & Governance – Major
Computer Terminologies
Find this video at: https://www.youtube.com/video/pLs7KMJBD1E?rel=0
Data Analytics
Explore facts
Give specific answer to specific questions
Has test hypothesis framework
Data visualization tools are required
Requires languages like Python & R
Rooted in business analytics & business intelligence models
Data Mining
Generate new information & unlock insights
Descriptive: Information about existing data
Predictive: Forecast based on the data
Explore new trends
Requires classical and advanced artificial intelligence, pattern distribution and traditional
statistics
Done without any preconceived hypothesis - information from the data is not used to answer
specific questions of organisation.
Is close to machine learning & use scientific and mathematical techniques
Prepaid Instruments
Spend amount of money stored in the instrument to purchase goods and services including
money transfer
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These can be - smart cards, magnetic stripe cards, internet accounts, internet wallets, mobile
accounts, mobile wallets, paper vouchers
Maximum value of pre-paid instrument cannot be more than Rs. 50,000
Consumer Wallet Limits: Rs.20, 000 month for all. Rs.1 lakh/month with KYC
Merchant Wallet Limits: Rs.50,000 month with Self Declaration. Rs.1 lakh/month with KYC
Image of Prepaid Instruments
Types:
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Closed System Payment Instruments: To facilitate purchase of goods and services from
him/her/it – issued to buy goods exclusively from that company - Amazon Wallet, Cleartrip
Wallet
Semi-Closed System Payment Instruments: Redeemable at merchants with whom the

contract is signed but no cash withdrawal or redemption by the holder – Mobikwik, PayU
Semi-open System Payment Instruments: To purchase goods and services at any card-
accepting merchant locations (Point of sale terminals) but no cash withdrawal or redemption
by the holder. Transaction more than Rs. 10,000 requires KYC
Open System Payment Instruments: Purchase of goods and services + cash withdrawal at
ATMs, Merchant Local Locations, and automated business correspondents - Visa,
Mastercard, RuPay – issued only by Banks like M-Pesa by Vodafone with ICICI
Mobile Prepaid Instruments: Prepaid talk time instruments issued by mobile service
providers & purchase “value added service” from the mobile service provider or third-party
service providers.
Bitcoin
Watch video lecture on YouTube: Bitcoin: Creation, Circulation, Usage, Problems &
Advantages - Currency of Internet Bitcoin: Creation, Circulation, Usage, Problems &
Advantages - Currency of Internet
Find this video at: https://www.youtube.com/video/lYW6Cw_VRHk?rel=0
(Part – 2)
Worldwide Payment Systems

KFTC – Korea
SEPA, BACS Payment system, UK Payments Administration Ltd, British Banker's

Association – UK
China Union Pay – China
Zengin Payment System – Japan
Australian Payments Clearing Association -Australia
Electronic Payments Network (EPN), NACHA, The American Banker's Association, Federal
Reserve - Board of Governors of the Federal Reserve System, Federal Reserve - Financial
Services -US
RPS- Germany
PASA-South Africa
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IPSO- Ireland
The Canadian Banker's Association, Canadian Payments Association-Canada
NETS -Singapore
NPCI
National Payments Corporation of India (NPCI) was incorporated in December 2008
Certificate of Commencement of Business was issued in April 2009
Incorporated as a Section 8 company under Companies Act, 2013 and is aimed to operate for
the benefit of all the member banks and their customers.
NFS
National Financial Switch (NFS) - largest network of shared automated teller machines
(ATMs) in India.
Designed, developed and deployed by the Institute for Development and Research in Banking
Technology (IDRBT) in 2004
Run by NPCI
UPI
Unified Payment Interface – single window mobile payment
Powers multiple bank accounts into a single mobile application (of any participating bank),
merging several banking features, seamless fund routing & merchant payments into one
hood
Caters “peer to peer” collect request
Immediate money transfer through mobile device round the clock 24*7 and 365 days
Schedule Push and Pull payments
Advanced version of NPCI's Immediate Payment Service (IMPS)
Virtual address can be used or mobile number like 1234567890@sbi
Implemented by hyperlink or QR code
BHIM
Mobile App
Developed by National Payments Corporation of India (NPCI)
Based on Unified Payment Interface (UPI)
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Facilitate e-payment after demonetization
Schemes include referral payments and cashback for merchants
Instantaneous transfer – 24/7 including weekends & bank holidays
IMPS
Real time remittance service available anytime, anywhere across India
Services: fund transfer and merchant payments
Initially launched in 2010
AEPS (Aadhar Enabled Payment System)

Bank led model - allows online interoperable financial inclusion transaction at PoS (Micro
ATM) through Business correspondent of any bank using Aadhaar authentication.
4 Aadhaar enabled basic types of banking transactions:
Balance Enquiry
Cash Withdrawal
Cash Deposit
Aadhaar to Aadhaar Funds Transfer
(Part – 3)
What is required for transaction?

IIN (Identifying the Bank to which the customer is associated)
Aadhaar Number
Fingerprint captured during their enrollment
*99#
Works on Unstructured Supplementary Service Data (USSD) channel
Immediate low value remittance & mobile banking
“Common number across all Telecom Service Providers (TSPs)” on their mobile phone and
transact through an interactive menu displayed on the mobile screen.
Works without internet
Works across all GSM providers
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*99*99# is a USSD based value added service – to check status of Aadhaar number
seeding/linking in the bank account.
Less Cash Townships

A less-cash township is one where
Deployment of payment acceptance infrastructure is complete
All the families in the township are covered under training programs
More than 80% of the total number of transactions in the township being done through
digital modes
Bharat Bill Payment System (BBPS)

RBI driven NPCI model
Bharat Bill Payment Operating Unit (BBPOU): Entity (bank or non-bank) that is authorized
by Reserve Bank of India.
one-stop payment platform for all bills providing an interoperable and accessible “Anytime
Anywhere” bill payment service to all customers across India with certainty, reliability and
safety of transactions
Categories are electricity, gas, water, DTH and telecom
Future biller categories - insurance premium, mutual funds, school fees, and institution fees,
credit cards, local taxes, invoice payments, etc.
Bharat QR
World’s first interoperable Quick Response (QR) code acceptance solution developed by the
payments industry to expedite India’s transition to a less - cash society.
Developed by NPCI
Devised based on direction by RBI in 2016
Outlines innovation, interoperability, and security
RuPay
Card by NPCI
Flexibility of the product platform, high levels of acceptance and the strength of the RuPay
brand
Domestic, open loop and multilateral system of payments
Launched in 2012
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Micro ATM
Point of Sale (PoS) devices that work with minimal power, connect to central banking servers
through GPRS
Reduces operational costs
Threats include data vulnerabilities, skimming (theft), PoS malwares and social engineering
Digital India
Aims at digital infrastructure, digital empowerment and governance and services on demand
IT (Indian Talent) + IT (Information Technology) = IT (India Tomorrow)
9 Pillars
Broadband Highways - 3 sub components- Broadband for All Rural, Broadband for All Urban
and National Information Infrastructure
Universal Access to Mobile Connectivity
Public Internet Access Program - Common Service Centers and Post Offices as multi-service
centers
e-Governance: Reforming Government through Technology – electronic database, workflow

automation and public grievance redressal
e-Kranti - Electronic Delivery of Services – 31 mission mode projects like health, education,
farmers and security
Information for All – Open Data Platform, social media and online messaging
Electronics Manufacturing – Target NET ZERO imports
IT for Jobs – DeiTy is the nodal department
Early Harvest Programs – IT platform for messages, Biometric attendance, Wi-Fi in all
Universities, Secure email in Government, National Portal for Lost and Found Children,
school books to be e-books
e-Sign: Online Digital Signature Service

Digital signature has same function as that of a handwritten signature.
Non-repudiation, integrity and authenticity
Information Technology Act 2000 provides legal sanctity to digital signatures based on
asymmetric crypto systems (one key can be made public without compromising secrecy of
other key).
Key challenge is authentication of user & trusted method of signing

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C-DAC by e-Hastakshar initiative enables citizens with valid Aadhaar ID and registered
mobile number to carryout digital signing of their documents on-line
Image of E-Sign (Online Digital Signature Service)
(Part – 4)
DigiLocker
Personal Storage space linked to Aadhar number
Includes –
My certificate – includes digital documents and uploaded documents
Profile, Issuer, Requester and Directories
e-Hospital
With Aadhar number enrol for appointment in hospitals for OPD, lab report and blood
availability
Digitize India Platform (DIP)

To provide digitization services for scanned document images or physical documents for any
organization
Aim is to digitize and make usable all the existing content in different formats and media,
languages, digitize and create data extracts for document management, IT applications and
records management.
Innovative solution by combining machine intelligence and a cost effective crowd sourcing
model
Process and extract relevant data from document images in a format usable for meta-data
tagging, IT application processing and analysis.
PRAGATI
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Pro-Active Governance and Timely Implementation
Address common man’s grievances, and simultaneously monitor and review important
programs
At 3 levels: PMO, Union Government Secretaries, and Chief Secretaries of the States
National Cloud – MeghRaj

Cloud computing in governance
Optimum use of infrastructure for eGov
Services Offered:
Infrastructure as a Service (IaaS)
Platform as a Services (PaaS)
Software as a Services (SaaS)
Storage as a Service (STaaS)
Public Wi-Fi Hotspots

Certification provided by Wireless Broadband Alliance 1 (WBA), which owns and controls the
“Wi - Fi Certified” logo that can be applied to products that satisfy certain interoperability
criteria.
WLANs created using Wi - Fi technology can be used to connect personal computers, mobile
phones, tablets and other appliances to a local network, which in turn provides connectivity
to the Internet.
WLAN can be operated as hotspots – at railway stations and cities
National Optical Fibre Network (NOFN)

Information super-highway
Creation of a robust middle-mile infrastructure for reaching broadband connectivity to Gram

Panchayats
Connect 2.5 Lakh Gram Panchayats
Provides 100 Mbps connectivity in Gram Panchayats
BharatNet
To provide on demand, affordable broadband connectivity of 2 Mbps to 20 Mbps for all
households and on demand capacity to all institutions
Funded by Universal service Obligation Fund (USOF)

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Phase 1: Connect 1 lakh gram panchayats by March 2017
Phase 2: Connect 2, 50,500 gram panchayats by Dec 2018
Phase 3: state-of-the-art, future-proof network - fibre between districts and blocks, with ring
topology to provide redundancy by 2018 -23
Computer Malware
Watch video lecture on YouTube: Computer Malware & Types of Malware - Weapons of
21st Century! Computer Malware & Types of Malware - Weapons of 21st Century!
Find this video at: https://www.youtube.com/video/_L4hO5ng41o?rel=0
Endpoint Security Solutions – by C-DAC

Browser JSGuard (Secure browser add-on) – browser addon that detects and defends
malicious HTML & JS attacks made through the web browser based on Heuristics
AppSamvid (Application Whitelisting Solution) - allows only approved applications to

execute on end system. Whitelisting requires less frequent updates compared to blacklisting
as in antivirus software
USB Pratirodh - Controls unauthorized usage of portable USB mass storage devices like pen
drive, only authorized users can access it
Application and Device Control (ADC) - indigenous antimalware security solution to prevent
unauthorized access of USB mass storage device and prevent execution of unauthorized
application on endpoint systems
M-Kavach - Comprehensive mobile device security solution for Android devices - addresses
threats like stealing personal data & credentials, misuse of Wi-Fi and Bluetooth resources,
lost or stolen mobile device, spam SMSs, premium-rate SMS and unwanted incoming calls.
Secure e-mail
Includes 2 aspects – authentication & encryption
Rely on public-key cryptography where users can each publish a public key that others can use
to encrypt messages to them, while keeping secret a private key they can use to decrypt such
messages or to digitally encrypt and sign messages they send.
Protocols for email encryption/authentication include:
SMTP (Secure Mail Transfer Protocol)
TLS (Transport Layer Security)
SSL (Secure Sockets Layer)
-Mayank
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Digital Reforms Computers YouTube Lecture Handouts

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4/25/2018----Digital Reforms in India – Payment & Governance – Major Computer Terminologies YouTube Lecture Handouts- Translation in Hindi,

Digital Reforms in India – Payment & Governance – Major

Get video tutorial on: https://www.youtube.com/c/Examrace

Give specific answer to specific questions

Has test hypothesis framework

Data visualization tools are required

Requires languages like Python & R

Rooted in business analytics & business intelligence models

Descriptive: Information about existing data

Predictive: Forecast based on the data

Explore new trends

Is close to machine learning & use scientific and mathematical techniques

Maximum value of pre-paid instrument cannot be more than Rs. 50,000

Image of Prepaid Instruments

Semi-Closed System Payment Instruments: Redeemable at merchants with whom the

Worldwide Payment Systems

SEPA, BACS Payment system, UK Payments Administration Ltd, British Banker's

China Union Pay – China

Zengin Payment System – Japan

Australian Payments Clearing Association -Australia

The Canadian Banker's Association, Canadian Payments Association-Canada

Certificate of Commencement of Business was issued in April 2009

Caters “peer to peer” collect request

Schedule Push and Pull payments

Advanced version of NPCI's Immediate Payment Service (IMPS)

Virtual address can be used or mobile number like 1234567890@sbi

Implemented by hyperlink or QR code

Developed by National Payments Corporation of India (NPCI)

Based on Unified Payment Interface (UPI)

Schemes include referral payments and cashback for merchants

Instantaneous transfer – 24/7 including weekends & bank holidays

Services: fund transfer and merchant payments

Initially launched in 2010

AEPS (Aadhar Enabled Payment System)

4 Aadhaar enabled basic types of banking transactions:

Aadhaar to Aadhaar Funds Transfer

What is required for transaction?

Fingerprint captured during their enrollment

Immediate low value remittance & mobile banking

Works without internet

Works across all GSM providers

Less Cash Townships

Deployment of payment acceptance infrastructure is complete

Bharat Bill Payment System (BBPS)

Categories are electricity, gas, water, DTH and telecom

Devised based on direction by RBI in 2016

Outlines innovation, interoperability, and security

Domestic, open loop and multilateral system of payments

Reduces operational costs

IT (Indian Talent) + IT (Information Technology) = IT (India Tomorrow)

Universal Access to Mobile Connectivity

e-Governance: Reforming Government through Technology – electronic database, workflow

Electronics Manufacturing – Target NET ZERO imports

IT for Jobs – DeiTy is the nodal department

e-Sign: Online Digital Signature Service

Non-repudiation, integrity and authenticity

Key challenge is authentication of user & trusted method of signing

Image of E-Sign (Online Digital Signature Service)

My certificate – includes digital documents and uploaded documents

Profile, Issuer, Requester and Directories

Digitize India Platform (DIP)

National Cloud – MeghRaj

Optimum use of infrastructure for eGov

Infrastructure as a Service (IaaS)