Showing posts with label you. Show all posts
Showing posts with label you. Show all posts
Sunday, June 11, 2017
BHIM App All you need to know about functionality and app security
BHIM App All you need to know about functionality and app security
We talk to the security experts behind BHIM, the new digital payments app by the National Payments Corporation of India. Heres what we learnt about the apps security and functionality.
BHIM, the new digital payments app launched by the National Payments Corporation of India, is riddled with bugs. The app is supposed to simplify digital transactions by bringing UPI based transactions to Android users (and iOS by Jan 10). All you need to do is have your mobile number linked to your bank account, and the app will automatically retrieve other details such as your account number and branch information from your bank. This binding of a mobile number to a particular bank account is a function of UPI. So all you need is a bank registered mobile number and you are good to transfer money to anyone, anywhere instantaneously. But is it really that simple? Is it even safe to use the BHIM app? Let’s find out
BHIM: The easy-to-use app that refuses to work
When BHIM launched all of 4 days ago, it was thought to be a revolutionary new step by the government of India. But, it seems like everyone was quick to pass a judgement on the app. The idea of a single app for all banking related transactions may be a very bright and noble one, but its implementation is a whole other story. While many users who downloaded the app on launch day were able to transact with ease, the same is not the case 4 days, 3 million downloads and 5 lakh transactions later.
Some user reviews of the app on Play Store
Multiple users have reported that none of their transactions are going through after linking their accounts with the BHIM App. Besides failed transactions, users have also been facing issues trying to generate OTPs and mPINs during the registration process within the app. Now, while OTP generation could be an issue at the bank’s end, failed/invalid transactions could be a result of overloaded servers. Saket Modi, CEO of Lucideus, one of the teams behind the security of the BHIM app says, “The scalability of the server is a one time problem, once this is solved it (the app) will absolutely be at par. When you make credit or debit card transactions, there are no issues because they expect an X amount of traffic and that is there. Plus minus 10-20% is ok. BHIM is a new thing and three million downloads in three days, I don’t think has happened anywhere in the world till date.” Comparing private companies and government organisations, Modi also pointed out that the pace at which decisions are made in the latter is usually slower, because govt organisations follows a set procedure, hence when a decision is reached to increase the capacity of the servers supporting BHIM, the problem of transaction errors should be fixed “very soon.”
That said, Modi also pointed out that “It’s not that simple to push an update to the app because of so many dynamic variables which are involved.” So if you were hoping the app would stop generating transaction/registeration errors overnight, you might have to wait a while before things settle into a smooth functioning pattern.
Those who were utterly unsuccessful at linking their bank accounts with BHIM, may have to uninstall the application and download it again. It took us multiple attempts before we could get our account linked to the app. In some cases, certain bank accounts are still not being able to function in tandem with the app. For example, a Standard Chartered account refuses to set up a 6-digit UPI pin using the BHIM app, even after multiple tries.
How secure is the BHIM app?
As of now, it seems like BHIM is running a pretty tight ship as far as security is concerned; an impression we have after speaking to the security team behind the app. Although Lucideus’ Modi says “nothing can be 100% safe,” he believes that BHIM’s three-factor authentication is strong enough to keep out amateur hackers or as he calls them “script kiddies.”
“Your phone number and your device ID is bound with this app. It really takes the ownership of that device. By this I mean, it’s an authentication mechanism in itself. Why? Because number one, that device will be operational at that time. The data that it (BHIM) is storing on the device is also encrypted and all the new operating systems including iOS and Android uses containerisation, which means my apps data only I can access, nobody else can access. That’s a standard feature true for any application running on Android, which is true for this app also,” says Modi.
What this essentially means is that the data generated by BHIM is stored in an authenticated and encrypted area of a user’s mobile device. The practice is also sometimes reffered to as application sandboxing, although in its true sense, sandboxing is supposed to isolate applications completely, which is not the case with BHIM. In fact, Modi tells us that the 4-digit PIN used access the app, is stored on a users device itself. This could be accessed by a hacker if your phone is ever stolen, as Modi points out that “there is nothing known as 100% encryption.” But, the app also needs a 4 or 6 digit UPI PIN to transact or check other account details, which is in turn stored on the UPI servers and will act as another step of authentication before a hacker can make use of the BHIM app to transact.
So essentially, the three-factor authentication includes, the binding of the device ID and the app, the registered mobile number with the bank and the UPI PIN that you set for transactions. “Even if your phone gets stolen and someone replicates your SIM by giving fake documents to an a service provider, they will not be able to transact on the app,” assures Modi.
While the steps taken to secure the app seem pretty stringent, what remains to be seen is how security is kept up on the apps server, which could be the main target of malicious attackers. In the near future, the government is also looking to add fingerprint authentication for UPI transactions, which will still need a PIN or two, says Modi.
Click here to know how to use the BHIM app
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Tuesday, May 30, 2017
Bollywood Dangal Catch me if you can Tennis Eena Meena Deeka
Bollywood Dangal Catch me if you can Tennis Eena Meena Deeka
Eena Meena and Deeka are enjoying themselves at their farm house. As usual Bhukkad comes to eat them. The three keep on saving themselves by attacking Bhukkad. Watch now!
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Eena, Meena and Deeka plays tennis when Bhukkad comes to spoil their game. He tries many tricks like putting a grenade inside a tennis ball, turning himself into a wasp, attacking them with a tennis ball and much more to catch Eena, Meena and Deeka. Watch now!
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Eena, Meena and Deeka plays tennis when Bhukkad comes to spoil their game. He tries many tricks like putting a grenade inside a tennis ball, turning himself into a wasp, attacking them with a tennis ball and much more to catch Eena, Meena and Deeka. Watch now!
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Saturday, April 8, 2017
big brother is watching you
big brother is watching you
Segunda vez que me pillan con el google street.
No tiene mucha importancia pero me hace gracia....
Esto fue en Junio del 2014
Y esto en Octubre del mismo año. Lo curioso es que ambas fotos estan hechas en la misma calle...
Otra cosa:
Este miércoles me marcho a Timisoara, en Rumania a participar en el Fisart 2015.
Estaré junto con otros artistas pintando una semana entera, me mueeeeero de ganas.
¡Las vacaciones ya están aqui!
Para saber más de mi vida sígueme en facebook, twitter y sobre todo instagram.
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Sunday, February 12, 2017
Big thank you and a Merry Christmas to you
Big thank you and a Merry Christmas to you
I dont usually take the time to thank every one of you for your kind acts you have taken to make me feel good about myself, but this past few days, I have been giving a lot of thoughts to how lucky I have been to have such great, supportive, warm friends who are always there for me. I have been in need of a lot of support lately, and I have had more than enough of it from my trusted friends and my hubby. Supportive people for me includes every one of you who are nice to hop over here to read my new post out of your busy time. Thank you so much to you all!
Sewing something and putting my projects out there for anyones eyes has not been easy for me. I am very critical of my work and am always afraid that people might be here to judge me. However, in the history of Pink Penguin since April of 2008, I have never ever received a single email from anybody to criticize anything I have made or have said. This I find it almost a miracle as there are people who arent necessarily as nice as you guys. I am so lucky. All my fear about my creativity and my projects are usually swept away completely by your sweet comments/emails. They have such strong uplifting power to me, so much that I can hardly describe it to my friends who dont blog or craft. (I would look just silly, hehe.) Without your support, I would not have as much confidence to keep creating and blogging. I deeply thank you for any moment you have spent to let me know you like my projects/tutes/blog. I am especially thankful when I receive emails letting me know that they liked my stuff in published works, as I am usually very, very nervous and shaky about having my work being published in print. So when I saw this post by my friend Penny of Sew Take a Hike today, I started feeling too warm and fuzzy and tears came down on my face. How much it made me feel better is indescribable.
I am also very thankful of all of you who have supported my wee etsy shop. It has been very helpful to me in that I feel I am doing something I can to support this family that Joe works very hard for.
I am ready to have a great Christmas with KFC and a decorated cake at a Kotatsu table (a table with a heater right underneath the table top and a blanket to go over to keep the heat) in our tatami room. I will make quick eggnog for Joe so that he wont miss American way of Christmas too much.
I hope you are keeping yourself warm and that you have a Merry, Merry Christmas with your loved ones!
Thank you again for your every kind act! Love you all!
P.S. Here is a little pattern I made a long time ago. I never cared about it enough to write a tutorial on how to use it, so the whole idea was tossed, and time passed by. I just happen to remember about this because I was thinking about a cake for tomorrow. (Its supposed to be a cake in the oven.) If this is something any of you would want to give a try for personal use, Id be delighted! It may look a bit boring as it is but maybe it has potential to turn into a fun potholder? Who knows? You can download it here if you would like ;) Just a wee Christmas gift from me to thank you!
Available link for download
Thursday, February 9, 2017
blue monday what does it mean to you
blue monday what does it mean to you
Apparently today is blue monday.
Have you heard about this?
When I heard "blue monday" images of azure, cobalt and sapphire flashed through my mind,
it sounded gorgeous!
However, thats not what they meant.
Its supposed to be the most depressing day of the year.
I like my version better.
source
cheers!
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