~ Er. Chhungpuia Renthlei, Senior Technical Officer, NIELIT Aizawl

Gpay hi digital payment platform chikhat, online payment tih theihna tura Google siam a ni. Tunah hian khawvel ram 30 ah mi maktaduai 100 velin Gpay kan hmang mek. Tawng 100 a support a, bank 1000 chuang a thlunzawm bawk. Gpay main Office hi Amphitheatre Parkway, Mountain View, California, United States ah a awm. Ram hrang hrang ah office an nei. India ah chuan Noida, Uttar Pradesh ah a awm. India ramah maktaduai 67 velin Gpay kan hmang mek a, khawvela Gpay hmangtu tam ber kan ni. Mizoramah pawh Pawisa inthawn nan leh Bill hrang hrang pek nan kan hmang tangkai hle.

USA ah chuan Google Pay aiah Google Wallet an hmang dawn a, June 4, 2024 atang khan Google Pay tih tawp a ni. India ah chuan Google Pay ti tawp lovin Google Wallet hi movie/event, public transport tic-kets, boarding passes, redeeming loyalty / gift cards, public transport tih nan May 8, 2024 atang khan a hman theih bawk. July 2024 khan Gpay UPI transactions volume a sang hle a, Rs. 20.64 trillion a tling pha hial. Nitin 466 maktaduai ten pawisa thawn ang kan ni. Nikhata pawisa thawn zat hi Rs 66,590 crore a tling pha hial mai.

Gpay than chhoh dan:

Kum 2015 khan Google chuan Android phone hmanga online payment system "Android Pay" an siam a. Kum 2017 khan hmanraw tam zawk support thei turin an siam danglam a, features thar eng-emaw zat an dah belh a. Google Pay tiin a hming an thlak. Kum 2018 ah official in an release a, mobile phone bills pek leh recharge nan a hman theih nghal a, QR codes a support bawk. Boarding passes, tickets leh loyalty cards a support bawk. Kum 2019 ah ram hrang hrang bank account leh pawisa a suport a, India ram chhungah electricity bill pek nan a hman theih bawk.

Kum 2020 atang khan water bill, gas bill leh insurance premium pek nan a hman theih. Kum 2021 atang khan landline phone bills, broadband bills leh DTH (direct-to-home) TV bills pek nan a hman theih. Kum 2022 atang khan municipal taxes, property taxes leh educational institution fees pek nan a hman theih. User interface an design tha a, cryptocurrencies ( Bitcoin) a support a, payment reminders & rewards features an dah thar bawk. Kum 2023 khan personal expenses & budgeting feature an dah thar a, Google services pawimawh (Google Wallet, Google Assistant) an thlunzawm a, international transactions ti thei turin an siam bawk.Kumin 2024 hian features thar an dah belh zel a, a thil tih theih pawh a pung chak hle. Security tha leh rintlak tak biometric authentication leh two-factor verification an dah bawk.

Gpay Technology:

Near Field Communication (Contactless payment atan), Token(Card No virtual account No a lehlinna), Encryption (User data leh transactions venhimna) leh Biometric authentication (User chhinchhiahna). Financial transaction atan payment gateways lar tak tak: PayU & Razorpay (Online transaction tih nan). Google Payment (Financial institutions leh payment networks thlunzawm nan). BillDesk (Online bill payments atan).Visa,Mastercard leh RuPay card networks (Card payment atan). Bank APIs (Direct bank transfers atan). Unified Payments Interface (UPI) atan National Payments Corporation of India nen an inthlunzawm bawk.

Gpay software siam nan Software Development Kit(SDK) hrang hrang Android SDK, iOS SDK, Unified payment Interface SDK, QR Code SDK leh Application Interface(API) hrang hrang JavaScript API, Web API, Tokenization API bakah React Native, Flutter, Xamarin, Cordova, e.t.c programming languages leh frameworks an hmang bawk. Heng technology hmang hian GPay chuan financial transaction services hrang hrang him leh tha takin a lo ti thei ta a ni.

GPay hnathawh dan:

Gpay kan install hnuah credit/debit card /bank account payment method kan siam a. Kan Gpay account atangin pawisa kan thawn ta a. Gpay chuan kan identity leh payment method a lo verify nghal a. Payment method chhinchhiah nan token min siam sak leh a, kan account neihna bank leh a dawngtu tur bank payment processor /online payment gateway ah token chu thawn a. Token a lo verify thlap hnuah a confirm a. Payment processor chuan transfer tura tih tur tul te a tihfel hnuah pawisa dawngtu account ah a tranfer a. Gpay chuan kan account a update a, transaction confirmation message a rawn tilang a.Transaction a zo ta.

Gpay sum hmuh dan:

Sum hmuhna hlawm hrang hrang a nei a. 1.Transaction fees: bill payments leh money transfers ah hian Transaction fees tlem a zawng an la a. 2. Commission on transactions: Gpay hmang transaction kan tih apiang hian Commission an la thin bawk. 3.Advertising: Gpay platform a advertisement hrang hrang atangin sum a lalut bawk. 4. Data monetization: Gpay hmangtu te data hi a lakhawm a, financial institutions, researchers, marketers e.t.c hnenah an hralh thin. 5.Partnerships & collaborations : Gpay thawhpui banks, financial institutions leh organizations ten sum leh products hmangin offer an pe thin.

Tin, heng bakah hian customer wallet balance Interest, Loans interest, Credit card transactions fee, Foreign exchange transactions e.t.c atangin sum a la lut bawk. Gpay revenue hi tam tham hle. An sum hmuh tam ber hi advertisement atangin a ni. Kum khat chhunga an sum lakluh hi India pawisa in Rs 2,500-5,000 crore crore anga chhut a ni. Thla khatah Rs. 210-420 crore , ni khatah Rs. 7-14 crore a ni.

Gpay a him chiah em?

Software dang ang bawkin chhan hrang hrang vangin buaina (Outage) a tawk thin. GPay Outage (January 3, 2024), Google Pay UPI Outage (February 3, 2024), GPay Server Outage (March 2, 2024), GPay UPI Outage (March 16, 2024), GPay Wallet Outage (April 2, 2024), GPay Customer Support Outage (April 16, 2024), GPay Security Update Outage (May 2, 2024) leh GPay Maintenance Outage (May 16, 2024) vangin Gpay hmangtu ten online transaction ah harsatna namen lo kan tawk a. Google pawhin customer leh sum tam tak a hloh bawk. Tin, data monetization, data breaches, software outage leh advertising vang te hian mi tam tak chuan himlo ah an ngai.

Hetihlai hian Gpay hmangtu data leh financial transaction venhim nan Google hian security khauh tha tak a hmang a. Individual identities venhim nan data anonymization a hmang a, gpay hmangtu te phalna lova user data hman ruk theih loh nan data encryption a hmang bawk. Data protection policies & guidelines tha tak a nei bawk. Tin, transaction venghimtu Enhanced security features tha tak encryption leh two-factor authentication a nei. Payment card neitu data ven himna lamah Gpay hi PCI-DSS (Payment Card Industry Data Security Standard) compliance a ni. India ramah chuan hetiang baka security tha a awm chuang lo. GPay hi a him tawk ani tih i hre phawt mai teh ang u.

Fimkhurna tur te:

Phone venhimna lock screen password/fingerprint/facial recognition leh Two-factor authentication hmang la, phone Operating system leh Gpay software regular takin update rawh. Software leh data tullo phone ah dah teuh loh tur. Gpay tan PIN / fingerprint hman ngei tur a ni. Internet chak that lai chauhvin Gpay hmang la, I phone chiangkuan loh lai emaw, Internet mumal loh laiin Gpay hman loh tur. Gpay account password/ Passcode hi a khat tawka thlak fo a tha. GPay's security features (transaction limits leh account alerts.) kan ngaihven reng a tul. Pawisa i thawn hma in pawisa zat leh a dawngtu tur verify zel la,a khat tawkin gpay transaction check reng la, rinhlelh thil a awm chuan rang taka report nghal tur. emails/messages/ calls/ social media a GPay login/personal information dilna ang chi hi inbumna a ni thin tih hriat tur. Online transaction a kan buaina tam ber hi chu kan fimkhur tawk loh vang a ni fo. Fimkhur tak leh him takin Gpay hmang zel phawt teh le.