When we shop online, say on Amazon / Flipkart, we make payments by using our Debit / Credit Card. We normally enter the card details, including card number, name, expiry date and the three-digit CVV. To make it more convenient for repeat purchases, the seller/merchant asks us for our one-time permission to store the card details on their server. If you give permission, the data is securely stored on their servers, with encryption and masking technology. Now, if their security measures are inadequate or broken-into by a hacker, your entire data, including Card numbers, CVV, etc. is vulnerable and susceptible to misuse, which could lead to a loss upto the value of your card limits.
Tokenization is primarily designed to prevent such online or digital breaches.
At the Merchant end:
Since October 2022, RBI has mandated that the merchants will not save the customers’ card numbers on their servers. Instead, they will just store a generated Token Number for each Credit Card that they want to be used recurringly on their servers.
What it means is that a random Token Number will be generated by the system, which will be stored at the merchant end.
This Token Number will be a unique number which is a combination of the Credit Card Number and the Merchant. So, e.g. if you are shopping on Amazon, your Card will be tokenized and a unique Token Number will be generated.
This Token Number can only be used to make purchases with that Card on Amazon. It cannot be used on any other merchant website. Hence, a different, unique, Token Number will be generated each for Flipkart, Rediff or any other shopping site.
Your actual Card details will be held safe in a secure token vault.
This process will eliminate the possibility of hacking at the merchant end and even if the data is hacked, all that the hacker will receive will be a token number which will be unusable anywhere else and hence will be of no use to the hacker.
Thus, essentially, your card will have multiple tokens based on the number of Merchants you have tokenized your card with.
For the User:
As far as the user is concerned, the next time you pay online for something using your Debit or Credit Card, you will be asked if you wish to “Save Card as per RBI guidelines” or “Secure your Card”. If you respond positively, you will immediately get an OTP on your Mobile Number linked to your Card. Once you enter the OTP on the Merchant site, your card will be automatically Tokenized. It is as simple as that!
You will not have to remember your Token Number, nor will it be displayed to you.
However, you will still see the last 4 digits of your card at the merchant checkout page.
You can request tokenization of any number of cards at a merchant website.
Whenever your card is renewed, reissued or upgraded, you will have to visit the merchant page and create a fresh token by following the same instructions.
Each card that you have, including Add-on cards will need to be tokenized, since each card has a unique card number.
If you wish to delete the Token Number already generated at a merchant website, you just need to disable that card at the merchant’s website / app and your token number will be automatically deleted.
If your card has not been tokenized, it will be automatically removed from apps and websites and you will be required to fill in all your card details every time you transact on that merchant platform.
Tokenized transactions are more secure since the generated tokens are normally not reversible. In encrypted transactions, the process is reversible by decryption using a unique key and decryption is mostly necessary to complete each transaction. It is therefore felt that Tokenization is relatively more secure than encryption.
Thus, from now onwards, you can transact online confidently, with the assurance that your transactions are more secure than before.
AwesomeScreenshot is a very versatile Chrome Extension. Once installed in Chrome, you can take screenshots of whatever is on your screen – be it an image or a video. It makes screen sharing fast and easy.
You may record both screen and camera to explain anything clearly. Once recorded, you can instantly save your stuff on the Cloud Link or Google Drive or on your Local Disk. Once saved, you can instantly share the same with your friends, colleagues, or clients. You can even connect directly with your familiar tools such as Trello, Slack, Asana, Jira, etc.
The two-tab popup menu allows you to switch between screen recording and screen capture easily. Want to share your screen for cases like reporting technical issue, making product demo or how-to tutorials? Set the Record tab as the primary tab in Options and start recording whenever needed.
What more to say about this extension? It is just awesome!
These days, it is fashionable to stay addicted to your phone. If you want to temporarily put down your phone and focus on what’s more important in real life, you can plant a seed in Forest. As time goes by, this seed will gradually grow into a tree. However, if you cannot resist the temptation of using your phone and leave the app, your tree will wither.
The sense of achievement and responsibility will encourage you to stay away from your phone, and will help you make better use of your time. It presents an interesting way to get out of your phone addiction. You will be offered different species as you grow more trees.
The paid, pro version even lets you plant real trees on the earth with tree-planting organization 🌲Trees for the future 🌲to protect the environment. You can even customize your whitelist i.e. Leaving Forest and using apps which are in the whitelist doesn’t kill your tree!
If you want to stay focused during these addictive cellphone times, Forest is the key!
Privacy Badger is an Extension which helps you maintain your privacy while browsing. Many websites intrude on your browsing habits, behind the scenes, and track your likes and dislikes. Instead of keeping lists of what to block, Privacy Badger learns by watching which domains appear to be tracking you as you browse the Web.
Privacy Badger sends the Do Not Track signal. If trackers ignore your wishes, your Badger will learn to block them. Privacy Badger starts blocking once it sees the same tracker on three different websites.
Besides automatic tracker blocking, Privacy Badger removes outgoing link click tracking on Facebook, Google and Twitter, with more privacy protections on the way.
A useful way of preserving your privacy when you are browsing. Available as an extension on multiple platforms such as Chrome, Firefox, Safari and Opera.
Spike conversational email helps you to be more creative, more productive, and less stressed. Both in the office and out of it. Ditch the conventional email clients and discover a new approach to email that puts people first. With Spike, all your emails and threads are found under the contact. You also have the option to have a priority Inbox to focus on your most important mails.
Further, you get smart scheduling inside your email, without ever opening another calendar app. It doesn’t matter if you, your colleagues, family, and friends use Outlook in the office and Apple at home. Spike will consolidate everything, changing the way you organize your life. Putting you in charge of your time.
Spike also helps you instantly create a Group for any team, project or client—anything that’s relevant to your business —and collaborate just like you would face to face or like any other messaging app.
Try Spike free for personal accounts and at a nominal fee for work accounts. A true game-changer.
This is a simple app which allows you to stitch upto 9 images together and load them onto Instagram. Instagram allows you to add only one image at a time. However, sometimes you may wish to combine multiple similar selfies or landscape shots to fit into one collage pic. This app lets you do just that.
It also helps you tweak many parameters for each photo, including the size, border width or zoom. You are the editor, so feel free to experiment and get creative – tell a story, show off an outfit, or just splice, dice and change the look of your regular photos to convey a mood or theme.
The app also has three handy buttons at the bottom to replace an image, mirror it or flip it upside down. The final product can be quite neat and impressive. It can be further enhanced by using Instagram’s native filters.
DocsApp allows you to consult a doctor online 24×7. It is not meant for life-threatening emergencies, but you could consult a specialist from the comfort of your home. Considering that more than 70% health problems can be treated online through chat or call consultation, this is a real boon for patients.
Docs App is one of the better medical apps to consult Doctor online without booking an appointment. Doctors on the app are specialist MD Doctors. Ask a doctor your health question and get medical answers from doctors in 30 minutes. Doctors use secure and private channel to answer your health queries. 3000+ specialist Doctors have already given answers, consultations and health tips to more than 5 million people. Payments are to be made online, before consultation starts.
The specialities offered, include Gynaecology, Dermatology, Hair / Scalp Care, Psychiatry, General Medicine ( Fever, cough, cold, infections, digestion problems, etc.), Pediatrics, Weight Management, Pregnancy related problems, etc.
Google Maps has a new safety feature, introduced exclusively for Indian users at the moment. When you set your navigation to a particular destination, before you tap on Start, there is an option at the bottom – Stay Safer. If you tap on this option, you further get 2 options – (a) You can share your live trip with family / friends by selecting the persons with whom you wish to share your trip and (b) You can get an alert if your taxi or ride goes off route for more than 500 m. You can choose to override the alert or quickly call someone for help.
This is a pretty useful feature for those who are new to a particular area or even for those who know the route but get confused, sometimes.
Play safe – alert your family and friends of the ride you take!
This is a wonderful app to beautify your photos. There is a comprehensive list of features as well as an easy-to-use interface. There are several retouching options, a tone slider, make up tool and also a hair dyer. The selfie edits are so subtle no one will ever suspect you’ve used an app, allowing you to show off your natural beauty without harsh filters.
You can manually edit your skin colour, brighten eyes and create that perfect smile. There is an auto-editor also, which does stuff for you automatically, which you can preview before saving it. The professional photo editing feature can create blur, resize and trim, apply filters (from romantic to dramatic) and professional control to stretch, slim and rotate your pics.
And, if your life is not all about selfies, you have the same professional options for landscapes and portraits which you can share instantly on your favourite social media apps. Stickers, fx brushes and AR filters add that extra charm to this extremely versatile app.
TickTick is a simple and effective to-do list and task manager app which helps you make schedule, manage time, remind about deadlines and organize life at work, home and everywhere else. It is very easy to get started with its intuitive design and personalized features. Add tasks and reminders in mere seconds and then focus on important work. The app syncs across devices, so you are always upto date.
You can add your tasks by voice input or typing. With Smart Date Parsing, the date info you enter into the new field will be automatically set as due date for task reminder with alarm. You can set multiple notifications for important tasks and notes to never miss any deadline!
You can even get easy access to your tasks and notes by adding a checklist widget to your home screen. That is pretty neat!