CAPTCHA | What?.. Where?.. Why?

I am sure you have encountered CAPTCHAs while filling forms, signing up, etc.. Ever wondered why is it for? If yes, i hope you have got the answer!

If you have not got the answer, here you go!!

CAPTCHA is the acronym for Completely Automated Public Turing test to tell Computers and Humans Apart, which means a test which seperates Humans and Computers automatically.

CAPTCHA is security measure against Bot attacks. It avoids scripts which performs automatic Sign-ups and form fill ups, which can overload Servers and Data Centers and make them vulnerable.

Imagine a hacker(script kiddler) or spammer who wants to open 1 Lakh Gmail accounts, without CAPTCHA he can do it in One hour( since computers are faster). With CAPTCHA his code cannot work because computer cannot think independently.

Turing Test is a process in which you Identify, if the user is a Human or a Computer. It includes test like Entering Text given in the box, Performing simple Calculation or Selecting pictures from grid which matches the question given. The basic Idea behind this test is the ability to think independently, which computer lacks.

Ideally, Turing test for Humans Should be easy i.e you can easily clear in one go.. But few times it is hard to perform it properly and we sometimes find it difficult so the average success rate for Humans is above 80% but success rate for Computers is less than 0.01%

Since, we humans fail to Complete the test successfully few times 'reCAPTCHA' - A Google Company, which gives free API for CAPTCHA for your site and Biggest CAPTCHA provider is all set to launch its Latest Version of CAPTCHA - Invisible reCAPTCHA

The new reCAPTCHA looks promising, lets hope for the best :)

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BHIM | How to Send and Receive Money using BHIM app | Happy New Year!!

Wishing You A Happy and Prosperous New Year 2017!!

PM Narendra Modi has Launched a rebranded version of Unified Payment Interface (UPI) app at Digi Dhan Mela camp in Delhi, Which is Small in Size and Easier than Wallet. The new app is called Bharat Interface for Money(BHIM), this app is developed by National Payment Corporation of India(NPCI) and is available for Android Smartphones via Google Play Store. BHIM app for iPhones and Windows Phones will be coming soon.

How to Setup BHIM app on your Android phone

When you Install BHIM app on your device, you will be asked to enter your Mobile number to create an account (Make sure the number is the same number that is linked to your bank account for ease of use). The app only sends an SMS from your phone to verify your number. No sensitive data is shared. Currently only two languages (English and Hindi) are available.

Unlike other UPI app there is no need to enable Mobile Banking to use BHIM

If the phone number you have entered is linked to your Bank account, the BHIM app will automatically fetch details of your bank account(s). if not you can even add your account Manually 

Unlike other UPI apps where you have messy interface, BHIM app's interface is neat and simple. On top of the screen, you have option to Send Money, Request Money or Scan and Pay using QR code. By default, Your registered Mobile number is your UPI address (example: If your Mobile number is 9876543210, Your default UPI address willl be 9876543210@upi). you can also customize your UPI address.

If you have two or more bank accounts of different banks, you can easily switch between banks in just a few clicks

Features

• SImple, Secure an dFast transfers
• Send, Recieve & Request money conveniently
• Single app for all Banks
• Scan QR code to pay instantly
• Check Bank Balance INstantly

How to Send money with BHIM app

1. Click Send on Main Screen
2. Enter Mobile/Payment address and Verify
3. Enter the Amount
4. Click on Pay button
5. Enter your UPI PIN

You can also Send Money by scaning QR code

1. On top od main screen click on 'Scan & Pay'
2. camera opens and sends the amount.

How to Request money using BHIM app

1. Click Request an Main Screen
2. Enter Mobile/Payment address and Verify
3. Enter the amount
4. Click Reuest

In the reciever's phone, a notification about the request pops up.

You can also request by sharing your QR code. For this,

1. In main screen, Select Profile
2. Choose amount and remarks
3. Click on generate.

you can download the QR code or Share via Social netwok

Talking about limits, You can transfer as low as Re. 1 to maximum of Rs. 20,000 per day. However, in single transaction you can transfer maximum of Rs. 10,000

Apart from BHIM government has introduced Aadhar Payment app for Merchants, which allows you to pay using Aadhar and Fingerprint.

List of banks which support BHIM

All the Bank which as support for UPI, can be used in BHIM

• South Indian Bank
• Standard Chartered Bank
• State Bank of India
• Allahabad Bank
• Andhra Bank
• Axis Bank
• Bank of Baroda
• Indian Bank
• Indian Overseas Bank
• IndusInd Bank
• Karnataka Bank
• Karur Vysya Bank
• Kotak Mahindra Bank
• Oriental Bank of Commerce
• Punjab National Bank
• Bank of India
• Bank of Maharastra
• Canara Bank
• Catholic Syrian Bank
• Central Bank of India
• DCB Bank 
• Dena Bank 
• Federal Bank
• HDFC Bank
• ICICI Bank
• IDBI Bank
• IDFC Bank
• Syndicate Bank
• Union Bank of India
• United Bank of India
• Vijaya Bank
• RBL Bank

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