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Friday, 30 December 2016


Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing & merchant payments into one hood. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement and convenience.


With the above context in mind, NPCI conducted a pilot launch with 21 member banks. The pilot launch was on 11th April 2016 by Dr. Raghuram G Rajan, Governor, RBI at Mumbai. Banks have started to upload their UPI enabled Apps on Google Play store from 25th August, 2016 onwards. 
How is it unique?
  • Immediate money transfer through mobile device round the clock 24*7 and 365 days.
  • Single mobile application for accessing different bank accounts
  • Single Click 2 Factor Authentication – Aligned with the Regulatory guidelines, yet provides for a very strong feature of seamless single click payment.
  • Virtual address of the customer for Pull & Push provides for incremental security with the customer not required to enter the details such as Card no, Account number; IFSC etc.
  • Bill Sharing with friends.
  • Best answer to Cash on Delivery hassle, running to an ATM or rendering exact amount.
  • Merchant Payment with Single Application or In-App Payments.
  • Scheduling PUSH and PULL Payments for various purposes.
  • Utility Bill Payments, Over the Counter Payments, Barcode (Scan and Pay) based payments.
  • Donations, Collections, Disbursements Scalable.
  • Raising Complaint from Mobile App directly.
  1. Participants in UPI
    • Payer PSP
    • Payee PSP
    • Remitter Bank
    • Beneficiary Bank
    • NPCI
    • Bank Account holders
    • Merchants

  1. UPI - Benefits to the Ecosystem participants
Benefits for banks:
    1. Single click Two Factor authentication
    2. Universal Application for transaction
    3. Leveraging existing infrastructure
    4. Safer, Secured and Innovative
    5. Payment basis Single/ Unique Identifier
    6. Enable seamless merchant transactions
Benefits for end Customers:
    1. Round the clock availability
    2. Single Application  for accessing different bank accounts
    3. Use of Virtual ID is more secure, no credential sharing
    4. Single click authentication
    5. Raise Complaint from Mobile App directly
Benefits for Merchants:
    • Seamless fund collection from customers - single identifiers
    • No risk of storing customer’s virtual address like in Cards
    • Tap customers not having credit/debit cards
    • Suitable for e-Com & m-Com transaction
    • Resolves the COD collection problem
    • Single click 2FA facility to the customer - seamless Pull
    • In-App Payments (IAP)

  1. Registration in UPI enabled application
Steps for Registration:
    • User downloads the UPI application from the App Store / Banks website
    • User creates his/ her profile by entering details like name, virtual id (payment address), password etc.
    • User goes to “Add/Link/Manage Bank Account” option and links the bank and account number with the virtual id
Generating M – PIN:
    • User selects the bank account from which he/she wants to initiate the transaction
    • User clicks one of the option -

a. Mobile Banking Registration/Generate MPIN

b. Change M-PIN

In the case of 3(a) -

5.      User receives OTP from the Issuer bank on his/her registered mobile number
6.      User now enters last 6 digits of Debit card number and expiry date
7.      User enters OTP and enters his preferred numeric MPIN (MPIN that he would like to set) and clicks on Submit
8.      After clicking submit, customer gets notification (successful or decline) 

In case of 2(b) –

9.      User enters his old MPIN and preferred new MPIN (MPIN that he would like to set) and clicks on Submit
10.  After clicking submit, customer gets notification (successful or failure)

Performing a UPI Transaction:

A. PUSH – sending money using virtual address
11.  User logs in to UPI application
12.  After successful login, user selects the option of Send Money / Payment
13.  User enters beneficiary’s / Payee virtual id, amount and selects account to be debited 
14.  User gets confirmation screen to review the payment details and clicks on Confirm
15.  User now enters MPIN 
16.  User gets successful or failure message

PULL – Requesting money:
17.  User logs in to his bank’s UPI application
18.  After successful login, user selects the option of collect money (request for payment)
19.  User enters remitters / payers virtual id, amount and account to be credited 
20.  User gets confirmation screen to review the payment details and clicks on confirm
21.  The payer will get the notification on his mobile for request money 
22.  Payer now clicks on the notification and opens his banks UPI app where he reviews payment request
23.  Payer then decides to click on accept or decline 
24.  In case of accept payment, payer will enter MPIN to authorize the transaction 
25.  Transaction complete, payer gets successful or decline transaction notification 
26.  Payee / requester gets notification and SMS from bank for credit of his bank account


Sunday, 25 December 2016


                                                     Central Processing Unit (CPU)
The central processing unit (CPU) is the unit, which performs most of the processing inside a computer. To control instructions and data flow to and from other parts of the computer, the CPU relies heavily on a chip set, which is a group of microchips located on the motherboard.
The CPU has two typical components:
  • Control Unit: extracts instructions from memory and decodes and executes them.
  • Arithmetic Logic Unit (ALU): handles arithmetic and logical operations.
To function properly, the CPU relies on the system clock, memory, secondary storage, and data and address buses.
This term is also known as a central processor, microprocessor or chip.

The CPU is the heart and brain of a computer. It receives data input, executes instructions, and processes information. It communicates with Input/Output (I/O) devices, which send and receive data to and from the CPU. Additionally, the CPU has an internal bus for communication with the internal cache memory, called the backside bus. The main bus for data transfer to and from the CPU, memory, chipset, and AGP socket is called the front side bus.
CPU contains internal memory units, which are called registers. These registres contain data, instructions, counters, and addresses used in the ALU information processing.
Some computers have dual or multiple processors. These consist of two or more separate physical CPUs located side-by-side on the same board or on separate boards. Each CPU has an independent interface, separate cache, and individual paths to the system front-side bus. Mutliple processors are ideal for intensive parallel tasks requiring multitasking.

The CPU fan is the most simple and ultimate thing that keeps the CPU cool and workable. Due to the excessive pressures and heat, the CPU becomes very hot and under such circumstances it is the CPU fan that makes the CPU capable of working properly. This small part is fixed in the inner part of the CPU and starts working as soon as the CPU is started.

Sunday, 11 December 2016

whatsapp stop supporting few phones from 2017 here are the list.

                           Yes this is right that whatsapp is now stop supporting some phones.

please before doing any thing  understand on which smart phones whatsapp will not work. below mentioned is reason given by whatsapp regarding same.

Earlier this week WhatsApp turned seven years old. It has been an amazing journey and in the coming months we're putting an even greater emphasis on security features and more ways to stay in touch with the people that you care about.
But anniversary dates are also an opportunity to look back. When we started WhatsApp in 2009, people's use of mobile devices looked very different from today. The Apple App Store was only a few months old. About 70 percent of smartphones sold at the time had operating systems offered by BlackBerry and Nokia. Mobile operating systems offered by Google, Apple and Microsoft – which account for 99.5 percent of sales today – were on less than 25 percent of mobile devices sold at the time.
As we look ahead to our next seven years, we want to focus our efforts on the mobile platforms the vast majority of people use. So, by the end of 2016, we will be ending support for WhatsApp Messenger on the following mobile platforms:
  • BlackBerry OS and BlackBerry 10
  • Nokia S40
  • Nokia Symbian S60
  • Android 2.1 and Android 2.2
  • Windows Phone 7
  • iPhone 3GS/iOS 6
While these mobile devices have been an important part of our story, they don't offer the kind of capabilities we need to expand our app's features in the future.
This was a tough decision for us to make, but the right one in order to give people better ways to keep in touch with friends, family, and loved ones using WhatsApp. If you use one of these affected mobile devices, we recommend upgrading to a newer Android, iPhone, or Windows Phone before the end of 2016 to continue using WhatsApp.
UPDATE: WhatsApp is extending support for BlackBerry OS, BlackBerry 10, Nokia S40 and Nokia Symbian S60 until June 30, 2017.

Tech news..

Thursday, 20 October 2016


This article will help you to uninstall app that is not able to uninstall from application manager of android smart phone.

so you are fed up to uninstall android application and its not getting uninstall?

simply follow below written process to get rid off this problem these steps are very easy.

  •  Go to setting option in android smart phone.

  •  Look for security option in setting option.

  • In security option you will get device administrators option.

  • Here you will get option to remove tick mark from that application that is unable to uninstall.

  • After removing the tick mark. now if you will uninstall the application it will get uninstall.

why this is happened is due to some application need administrator permission to run and work.
so when an application get permission as an administrator this is impossible to uninstall that application until we will remove it from administrator permission.


Its very easy to check the Android device version.

  • There are lots of android version available but some time we purchase old smart phone.
  • Yes there is need to check version while purchasing smart phone.
  • That can help you decide you have to purchase that mobile or not.

So if you can to check version of your android smart phone. Then follow below mentioned steps that are.

  • Search for setting option in menu

  • Go to setting option and search for about device option.

  • All types of android version this is same.  

Sunday, 16 October 2016


This article will educate you to purchase domain name for your website.

Before going forward lets understand why there is need to purchase domain name or in simple way why there is need of website.

There are a number of good reasons for having a domain name:

  •        If you ever change your web host, your domain name goes with you. Your regular visitors or customers who knew your site name as (for example) would not have to be informed about a change of web address (also known as "URL"). They would simply type your domain name and they'd be brought to your new site.
  •      If you are a business, a domain name gives you credibility. People avoid to do business with a company that does not have its own domain name.
  •      If you get a domain name that describes your company's business or name, people    can remember the name easily and can return to your site without having to consult  their documents.
  •    If you get a good name that describes your product or service, you might even get      people who were trying their luck by typing "" in their browser.

                Necessary steps if you want to make your own website.
  • 1.    Need to purchase a domain name.
  • 2.    Web hosting it includes server space from web hosting company.
  • 3.    Decide the design for your website.
  • 4.    Collect content data that will display on your website.

                                        To purchase a domain name

               There are a lot of companies from which you can purchase domain name.
               just type in google want to purchase domain name you will get 1000s of result.
              and these companies also provide web hosting services.

                                                          Web hosting 

                                       What is Website Hosting? 
                  Hosting a website means making a website available to public worldwide. 
When you create website, it is composed of web pages having text, images, videos and other content for people to see them. However, people can see your website only when it is available on the Internet. To make your website available on the Internet, you have to store it on a computer called web server. When you buy some space on a web server and store your webpages there, your website becomes hosted and can be seen by anyone.

                                         What is Web Server? 

 A web server is the computer on which the web pages of your website are stored. It delivers or ‘serves’ the content of your website to the users through Internet. The computer which acts as server has to have very high specifications. It is also connected to the Internet through very powerful link. The web hosts or the web hosting companies have their own servers on which they rent out space to you so that you can host your website and make it accessible to the general public. 

Sunday, 18 September 2016


It is common knowledge that open source software is not just for linux and for other open source operating system

1. Libre office

LibreOffice is a powerful office suite – its clean interface and feature-rich tools help you unleash your creativity and enhance your productivity. LibreOffice includes several applications that make it the most powerful Free and Open Source office suite on the market: Writer (word processing), Calc (spreadsheets), Impress (presentations), Draw (vector graphics and flowcharts), Base (databases), and Math (formula editing).
you can click on below written link do go to this website.

2. Mozilla firefox
Mozilla firefox is an  non-profit champions of the Internet, helping to keep it healthy, open and accessible to all.

3. Mozila thunderbird

Thunderbird makes email better for you, bringing together speed, privacy and the latest technologies.

4.  The GIMP

GIMP is a cross-platform image editor available for GNU/Linux, OS X, Windows and more operating systems. It is free software, you can change its source code and distribute your changes.
Whether you are a graphic designer, photographer, illustrator, or scientist, GIMP provides you with sophisticated tools to get your job done. You can further enhance your productivity with GIMP thanks to many customization options and 3rd party plugins.

5.  Ink Space

Inkscape is an open-source vector graphics editor similar to Adobe Illustrator, Corel Draw, Freehand, or Xara X. What sets Inkscape apart is its use of Scalable Vector Graphics (SVG), an open XML-based W3C standard, as the native format.

6. Scibus

Scribus is an Open Source DTP (Desktop Publishing) application for Linux and other flavors of Unix and Unix-like systems, including Mac OS X , as well as OS/2 and eComStation respectively, and Windows 2000 or later. This Wikihas been created in order to give users a place to put HOWTOs, tips or ideas on using or enhancing Scribus. Large parts of the documentation available here have been contributed by Scribus users. However, as of December 2010, the Scribus wiki also hosts “official” documents provided by the Scribus Team. Not surprisingly, these are labelled“Official”. The content of the Scribus Help Browser, another set of “official” documents, is also available online via

7.  Vlc media player

VLC is a free and open source cross-platform multimedia player and framework that plays most multimedia files as well as DVDs, Audio CDs, VCDs, and various streaming protocols.

8.  Clam win

ClamWin is a Free Antivirus program for Microsoft Windows 10 / 8 / 7 / Vista / XP / Me / 2000 / 98 and Windows Server 2012, 2008 and 2003.

9.  audacity

Audacity® is free, open source, cross-platform audio software for multi-track recording and editing.

10. Peazip

PeaZip is free file archiver utility, based on Open Source technologies of 7-Zip, p7zip, FreeArc, PAQ, and PEA projects.
Cross-platform, full-featured but user-friendly alternative to WinRar, WinZip and similar general purpose archive manager applications, works with 180+ archive formats: 001, 7Z, ACE, ARC, ARJ, BZ2, CAB, DMG, GZ, ISO, LHA, PAQ, PEA, RAR, TAR, UDF, WIM, XZ, ZIP ZIPX - view full list of supported file formats for archiving and extraction.
Released under Open Source (LGPLv3) license, free for any use, all versions of PeaZip are secure downloads and do not contain advertising or harmful software.