Hello and welcome doston Aaj Ham security ke payment gateway ke bare mein baat Karne Wale Hain ki security payment gateway Kya hota hai ISI ke bare mein Aaj Ham aapko batane Wale Hain isliye Kaun Tak avashya padhen yadi aapko Iske bare mein pata hai to bahut acchi baat hai yadi Nahin Pata to Aaj Ham aapko ISI ke bare mein batane Wale Hain isliye isliye ko ant Tak aur Dhyan purvak avashya padhen.
Security ka payment gateway
E-commerce Mein jokhim Lena atyant chunautipurn Karya Hai electronic bhugtan ki ine vidhiyon Ke Karan Anek jokhim Jaise Dhokhadhadi ya Galti Hona Gupt mudde tatha udhari ki jokhm ka Samna karna pad sakta hai Iske mukhya jokhim tatha bhugtan ki Pranali nimnalikhit hai.
• Galti athva Vivad ke jokhim- Anek spasht karnon se lagbhag samast electronic bhugtan pranaliyon Mein Automatic record Rakh pane ki kshamta ki avashyakta hai takniki drishtikon se electronic system ke liye yah Koi samasya Nahin Hai Credit tatha Debit cards aur Yahan tak ki kagaji check bhi automatic records banate hain record Lekha Jokha Hai jismein Kisi bhi len Den ke uprant Uske Vishay Mein sampurn Suchna Niyat Ho Jaati Hai Aur iske liye koi bhi atirikt Prayas Nahin karne hote hain swachalit records ki nimnalikhit visheshta honi chahie-
1. Sangrahan sthai Roop se ho.
2. Kisi record ki jaanch karne ke liye use Tak sugamata se pahuncha Ja sake.
3. Bhugtan ke tarike ka database taiyar Ho.
4. Bhugtan Karta Bank aur vittiya dekhrekh karne wali Sansthan ko data transfer karne mein Saksham Ho.
Account statement per pratyek len -den ki Suchna uplabdh hone ke Karan galtiyon Aur vivadon Ko Suljhane Mein Saral Ho Jaati Hai.
• Suchna ki gopniyata Ka prabandh Karna- electronic bhugtan Pranali ki gopniyata banae Rakhna atyant anivarya Hai Jab Bhi Koi vyakti credit card dwara Koi kharidari Karta Hai Kisi Patrika ke liye subscribe Karta Hai athva server main access karta hai To yah Suchna database Mein sev Ho Jaati Hai upbhokta ke bhugtan se sambandhit Sabhi vivaran saralta se ektrit Kiye Ja sakte hain.
Is vivaran ko anadhikrit vyaktiyon Se sadaiv surakshit Rakha Jana chahie prayogkarta ko iske liye Swasth karna Ati avashyak hai ki unke Kisi bhi len den Ki Suchna Gupt Rakhi Jayegi aur yah Kisi bhi anadhikrit vyakti Tak Nahin pahunchegi Kyunki upbhokta ko yah bhay hota hai ki Uske credit card ke number Aadi ki Suchna yadi kisi galat Hath Mein Pad Gai to use Arthik Hani ho jayegi
• Credit risk ko vyavasthit karna- Aaj net settlement system mein credit athva systematic risk arthat upkaranon Ki Galti Ke Karan jokhim Chinta ka Vishay banaa Hua Hai Kyunki yadi Bank apni net position ko settle Na Kar Paye to Ek ke bad Ek Bank fail Hote Chale Jaenge is Sambhavna ko samapt karne ke liye digital Central Bank dwara Kade upay kiye Jaane chahie digital center Bank ki guarantee system se insolvency test samapt kar deti hai Kyunki yah bank saralta se Anya banks ke credit jokhim ko pura karta hai.
• Electronic payment system code design karna-
Electronic bhugtan Pranali kam kharch aur Uchch Karya kshamta Ke bavjud Bhi Itni lokpriya Nahin Ho Pa rahi hai Iske Anek Karan Hai ismein Anek Gair takniki Karan bhi hain Kisi bhi Prakar Ki Nahin bhugtan Pranali ki safalta ke liye ine karnon Ko samapt Kiya jana avashyak hai.
• Payment gateway ke liye avashyak baten- payment karte samay upbhokta ko Kuchh Baton Ka Dhyan Rakhna chahie-
(i) Jis website se aap payment kar rahe hain kya use Bank dwara security tatha yogdan pradan hain.
(ii) Kisi bhi website ki Suraksha tatha yogyata ki Suchna website ko prapt SSL certificate dwara ki Ja sakti hai.
(iii) Payment gateway provider Ek server pradan karta hai jo website tatha Bank ke Madhya link ka Karya karta hai ya server bhi Uchch Roop se secure Hona chahie jisse ki Mani transfer Madhya Mein Hi Churana Li Jaaye .
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