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.
This is a Chrome Extension which helps you capture a screenshot of your current web-page in its entirety. Quite often, it is a pain to capture the full screen of a webpage when it is several screens long. This simple extension solves the problem elegantly.
The simplest way to take a full page screenshot of your current browser window is to click on the extension icon (or press Alt+Shift+P), watch the extension capture each part of the page, and be transported to a new tab of your screenshot where you can download it as an image or PDF or even just drag it to your desktop. There are no bloat, no ads, no unnecessary permissions, just a simple way to turn a full web page into an image!
The advanced screen capture technology handles complex pages—including inner scrollable elements as well as embedded iframes—unlike any other extension.
So, go ahead and install this extension – improve your efficiency!
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!
We often get compressed files from various sources. To extract such files, you may need specific programs which can extract each one of them. Winzip being the most popular, can extract files with .zip as the extension. But what if you receive files which are .rar or .cab or .gz?
Archive Extractor is a small and easy online tool that can extract over 70 types of compressed files, such as 7z, zipx, rar, tar, exe, dmg and much more. Just visit the website https://extract.me/ upload or drag and drop your archived / compressed file and the site will do the rest. It will extract all the files in the archive and list them. You may choose to download each file or just the one that you may need. It is that simple!
The best part is that you do not have to download and install any app – just upload your file and download the extracted files. It also has support for password protected archives and multi-part archives.
Now, don’t get bogged down with compressed files – use this for extracting your compressed files in any format!
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.
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!
Instapaper is the simplest way to save and store articles for reading: offline, on-the-go, anytime, anywhere, perfectly formatted. It provides a mobile and tablet-optimized Text view that makes reading Internet content a clean and uncluttered experience. Read offline, even on airplanes, subways, on elevators, or on Wi-Fi-only devices away from Internet connections. It saves most web pages as text only, stripping away the full-sized layout to optimize for tablet and phone screens with adjustable fonts, text sizes, line spacing, and margins.
You have the option to sort and search downloadable files for easy access. You can download upto 500 articles on your phone or tablet, and store unlimited articles on the Instapaper website. Dictionary and Wikipedia lookups, tilt scrolling, page-flipping, preview links in the built-in browser without leaving the app are all available, just like in Kindle.
A great app to consume content at your own time and space!
Spark is one of the better personal email clients and a revolutionary email for teams. With Spark, you can take control of your inbox and love email again.
With intelligent email prioritization, noise reduction, and the most advanced email tools, Spark is the best email cleaner at your disposal. Reach Inbox Zero for the first time. You can also focus on important mails immediately.
Important mails from real people come straight to the top of your mailbox. Pin and reply to those, and batch archive the rest. Besides, you can add multiple email accounts to Spark: Gmail, AOL, Hotmail, MSN, Yahoo, Exchange, iCloud, Outlook and more.
Just zip through your inbox using cutting-edge email tools and reach Inbox Zero for the first time using features such as Snooze, Send later, Reminders and follow-ups and much more. For teams, Spark allows you to invite teammates to discuss specific emails and threads. Ask questions, get answers, and keep everyone in the loop. Thus you can create an email together, using the real-time editor to compose professional emails.
We have all experienced clogging of memory on our smartphones, at some time or the other. There is always a need to keep up with the cleaning process so that our memory does not get full. But then, where do we start the cleaning and understand our usage on the phone?
This app displays information on usb devices, sd-cards, external and internal storage, cloud storages (Google Drive, Dropbox, Yandex Disk) in a simple and clear graphical form (infographics). It helps free up disk space and clean file trash by quickly finding and deleting big files with sunburst chart and other helpful modes. There is a cache cleaner which allows you to quickly delete your apps cache files. You can easily find the top 10 large files on your phone and delete them instantly.
The app has an intuitive, user-friendly interface which makes it very simple to use.
So if you are wondering where to start your spring cleaning, this is the app for you!
If you are in a hurry to create your new logo and if
you want it free – this is the site for you. Even if you are not an artist and
do not have any design skills, you can generate a range of very basic logos on
First, type your company name, which the site will
present to you in various fonts. In each set
of 3 fonts, you have to choose the one you like the most. The site also
helpfully explains the emotional values attached to each of the fonts, thus
making it easier for you to choose. Next, you will select a colour scheme,
where again you get guidance for the feelings it will inspire in the viewer.
Lastly, you select 3 icons which are in keeping with your business / profession
from an array of icons presented to you.
Within a few seconds you will be presented with logos to choose from, in your chosen fonts, along with the selected icons in multiple colours. Keep on scrolling and the options will be endless. You can edit the images, shift the icons and edit the fonts too. And finally save them for future use. It is all open source and free to use, whenever you need it!