क्या आपने अपना डेबिट या क्रेडिट कार्ड टोकेनाइज कर दिया है?

ईकॉमर्स (eCommerce) वेबसाइट या ऐप से ऑनलाइन शॉपिंग में पेमेंट करते समय हम हमारे डेबिट या क्रेडिट कार्ड की डिटेल देते हैं जिसमे 16 अंको का कार्ड नंबर और एक्सपायरी डेट की जानकारी होती है।

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कार्ड की यह सभी डिटेल ईकॉमर्स वेबसाइट के ऑनलाइन क्लाउड सिस्टम जिसे कार्ड-ऑन-फाइल भी कहते हैं वहा पर स्टोर्ड रहती है...

[{"selector":"#anim-99baed38-284a-4111-a1a0-48e26898f1ed","keyframes":[{"transform":"scale(1)","offset":0},{"transform":"scale(1.5)","offset":0.33},{"transform":"scale(0.95)","offset":0.66},{"transform":"scale(1)","offset":1}],"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-91fb9151-4e34-4e1f-a3b9-6efce421f524","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-853e2bd7-aa38-4484-ac4d-3ad4c81ab685","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-13883d82-255a-4d4d-b607-f3cb1003dcbc","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

...जिससे हमें भविष्य में फिर से पेमेंट या ट्रांजेक्शन करने में आसानी रहे।

[{"selector":"#anim-92e7af7e-4201-408c-985d-2ef0da8f1f2a","keyframes":[{"transform":"scale(1)","offset":0},{"transform":"scale(1.5)","offset":0.33},{"transform":"scale(0.95)","offset":0.66},{"transform":"scale(1)","offset":1}],"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-7001fb86-b3bf-494a-afeb-c7cf57c58e20","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f35590d-aca3-49f1-aa33-497d0be777c7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-84a48a3d-aaf4-4f0a-b5e5-d96b7cbcb00c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

कार्ड डिटेल स्टोर करने की यह सिस्टम कस्टमर्स के लिए भविष्य में ऑनलाइन शॉपिंग करते समय सुविधाजनक जरूर है लेकिन इसमें रिस्क भी है।

[{"selector":"#anim-94f6cdfb-bb6d-45c3-a40a-afc4959563df","keyframes":[{"transform":"scale(1)","offset":0},{"transform":"scale(1.5)","offset":0.33},{"transform":"scale(0.95)","offset":0.66},{"transform":"scale(1)","offset":1}],"delay":0,"duration":1450,"easing":"ease-in-out","fill":"both","iterations":1}] [{"selector":"#anim-acd3d7b5-1c8a-48ed-86c5-331ceba14ada","keyframes":{"transform":["translate3d(-115.18988%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-babd8674-9be3-4f05-9a18-b42b860d4910","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c0d5c1a9-cf9b-44a9-88b5-9edb1723e9a3","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

इसीलिए भविष्य में ऐसी कोई भी जोखिमभरी स्थितियों से बचने के लिए, आरबीआई डेबिट और क्रेडिट कार्ड को टोकेनाइज करने का नियम 1 अक्टूबर 2022 से करने जा रही है।

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किसी भी इ-कॉमर्स प्लेटफॉर्म पर पेमेंट करते हमारे क्रेडिट या डेबिट कार्ड की डिटेल जैसे कि कार्ड नंबर, नाम, और एक्सपायरी डेट की जगह एक टोकन कोड इस्तेमाल होगा जिसे कार्ड टोकेनाइजेशन कहते हैं।

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अब यह कार्ड टॉकेनाइज करने की प्रक्रिया बहुत आसान है जिसे आप निचे दी गए मेरे लेख से आसानी से समझ सकते हो।

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