प्रधानमंत्री लांच करेंगे e-RUPI, जानिए यह कैसे करेगा काम…

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प्रधानमंत्री नरेन्द्र मोदी आज वीडियोकांफ्रेसिंग के माध्यम से एक डिजिटल पेमेंट भुगतान e-RUPI लांच करेंगे। जिसे पूरी तरह से कैशलेस व कॉन्टेक्टलेस यानी संपर्करहित बनाया गया है। डिज़िटल भुगतान प्रणाली की दिशा में इसे एक अहम क़दम माना जा रहा है। ये प्रणाली पैसा भेजने वाले और पैसा वसूल करने वाले के बीच ‘एन्ड टू एन्ड एन्क्रिप्टेड’ है यानी दो पार्टियों के बीच किसी तीसरे का इसमें दख़ल नहीं है। आइए जानते हैं ई-रुपी क्या है, यह काम कैसे करेगा और इसका इस्तेमाल कहां हो सकता है।

एनपीसीआई के अनुसार ई-रुपी डिजिटल पेमेंट के लिए एक कैशलेस और कॉन्टैक्टलेस प्लेटफ़ॉर्म है, ये QR कोड या SMS के आधार पर ई-वाउचर के रूप में काम करता है।

एनपीसीआई के मुताबिक़ लोग इस एकमुश्त भुगतान के यूज़र्स कार्ड, डिजिटल भुगतान ऐप या इंटरनेट बैंकिंग एक्सेस के बिना ई-रुपी वाउचर को भुनाने में सक्षम होंगे।

इस ई-रुपी को आसान और सुरक्षित माना जा रहा है, क्योंकि यह बेनेफिशियरीज़ के विवरण को पूरी तरह गोपनीय रखता है, इस वाउचर के माध्यम से पूरी लेन-देन प्रक्रिया अपेक्षाकृत तेज़ और साथ ही विश्वसनीय मानी जाती है, क्योंकि वाउचर में आवश्यक राशि पहले से ही होती है।

कहां हो सकता है ई-रुपी का इस्तेमाल?

इसका उपयोग मातृ और बाल कल्याण योजनाओं के तहत दवाएं और पोषण संबंधी सहायता, टीबी उन्मूलन कार्यक्रमों, आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना जैसी स्कीमों के तहत दवाएं और निदान, उर्वरक सब्सिडी, इत्यादि देने की योजनाओं के तहत सेवाएं उपलब्ध कराने में किया जा सकता है। यहां तक कि निजी क्षेत्र भी अपने कर्मचारी कल्याण और कॉर्पोरेट सामाजिक दायित्व कार्यक्रमों के तहत इन डिजिटल वाउचर का उपयोग कर सकता है।


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