क्रेडिट और डेबिट कार्ड धारक ध्यान दें! 1 अक्टूबर से बदलेंगे भुगतान नियम

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देशभर में बढ़ते साइबर फ्रॉड के मामलों पर शिकंजा कसने के लिए रिजर्व बैंक ऑफ इंडिया (RBI) अगले महीने से अहम बदलाव करने जा रहा है.

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दरअसल, RBI क्रेडिट कार्ड और डेबिट कार्ड यूजर्स के लिए 1 अक्टूबर से कार्ड-ऑन-फाइल टोकनाइजेशन (सीओएफ कार्ड टोकनाइजेशन) नियम ला रहा है।

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RBI के मुताबिक इस नियम के लागू होने के बाद कार्डधारकों को ज्यादा सुविधाएं और सुरक्षा मिलेगी।

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आपको बता दें कि पहले यह नियम 1 जनवरी 2022 से लागू होने वाला था, लेकिन अब RBI ने इस डेडलाइन को 6 महीने के लिए बढ़ाकर 30 जून कर दिया है।

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बाद में RBI ने इसकी डेडलाइन फिर से बढ़ाकर 1 अक्टूबर 2022 कर दी।

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ऐसे में RBI ने सभी क्रेडिट और डेबिट कार्ड डेटा ऑनलाइन, पॉइंट-ऑफ-सेल और इन-ऐप ट्रांजैक्शन को एक में मर्ज करके यूनिक टोकन जारी करने को कहा है।

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जब आप लेन-देन के लिए अपने डेबिट या क्रेडिट कार्ड का उपयोग करते हैं, तो लेन-देन 16-अंकीय कार्ड नंबर, समाप्ति तिथि, सीवीवी के साथ-साथ एक बार के पासवर्ड या लेनदेन पिन जैसी जानकारी पर आधारित होता है।

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लेन-देन तभी सफल होता है जब इन सभी सूचनाओं को सही ढंग से दर्ज किया जाता है।

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टोकनकरण वास्तविक कार्ड विवरण को "टोकन" नामक एक अद्वितीय वैकल्पिक कोड में बदल देगा।

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कार्ड, टोकन अनुरोधकर्ता और डिवाइस के आधार पर यह टोकन हमेशा अद्वितीय रहेगा।

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