{"id":2731,"date":"2025-05-16T18:32:57","date_gmt":"2025-05-16T10:32:57","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2731"},"modified":"2025-05-16T18:32:57","modified_gmt":"2025-05-16T10:32:57","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e7%9a%84%e6%a0%b8%e5%bf%83%e6%8a%80%e6%9c%af%e6%a1%86%e6%9e%b6%e6%8f%ad%e7%a7%98","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/05\/16\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e7%9a%84%e6%a0%b8%e5%bf%83%e6%8a%80%e6%9c%af%e6%a1%86%e6%9e%b6%e6%8f%ad%e7%a7%98\/","title":{"rendered":"\u0420\u0430\u0441\u043a\u0440\u044b\u0442\u0430 \u043e\u0441\u043d\u043e\u0432\u043d\u0430\u044f \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430 \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0433\u043e \u0448\u043b\u044e\u0437\u0430"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts61.mm.bing.net\/th?q=phonepe60\" alt=\"\u0420\u0430\u0441\u043a\u0440\u044b\u0442\u0430 \u043e\u0441\u043d\u043e\u0432\u043d\u0430\u044f \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430 \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0433\u043e \u0448\u043b\u044e\u0437\u0430\" title=\"\u0420\u0430\u0441\u043a\u0440\u044b\u0442\u0430 \u043e\u0441\u043d\u043e\u0432\u043d\u0430\u044f \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430 \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0433\u043e \u0448\u043b\u044e\u0437\u0430\"><\/p>\n<p>\u0422\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0431\u0430\u0437\u0430 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\u0441\u043f\u043e\u0441\u043e\u0431\u043e\u0432 \u043e\u043f\u043b\u0430\u0442\u044b \u0438 \u0436\u0435\u0441\u0442\u043a\u0438\u0445 \u043d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u044b\u0445 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0439. \u041d\u0438\u0436\u0435 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d \u043f\u043e\u0434\u0440\u043e\u0431\u043d\u044b\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u043c\u043e\u0434\u0443\u043b\u0435\u0439 \u0441 \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0442\u043e\u0447\u043a\u0438 \u0437\u0440\u0435\u043d\u0438\u044f:<\/p>\n<ol>\n<li>\u041c\u043d\u043e\u0433\u043e\u0443\u0440\u043e\u0432\u043d\u0435\u0432\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0430\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438<\/li>\n<\/ol>\n<ul>\n<li>\u0414\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u043c\u043d\u043e\u0433\u043e\u0443\u0440\u043e\u0432\u043d\u0435\u0432\u044b\u0439 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c \u0430\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438 \u0441 \u0438\u043d\u0442\u0435\u0433\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0431\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0435\u0439 Aadhaar (\u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0449\u0435\u0439 1,2 \u043c\u0438\u043b\u043b\u0438\u0430\u0440\u0434\u0430 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u0441 \u0430\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0435\u0439 \u043f\u043e \u043e\u0442\u043f\u0435\u0447\u0430\u0442\u043a\u0443 \u043f\u0430\u043b\u044c\u0446\u0430\/\u0438\u0440\u0438\u0441\u0443) \u0438 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0435\u0439 \u043f\u0440\u0438\u0432\u044f\u0437\u043a\u0438 \u0443\u0441\u0442\u0440\u043e\u0439\u0441\u0442\u0432 UPI V2<\/li>\n<li>\u0418\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u044b\u0439 \u0430\u043b\u0433\u043e\u0440\u0438\u0442\u043c \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0438\u0437\u0430\u0446\u0438\u0438 \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u0438 \u043f\u0435\u0440\u0435\u043a\u043b\u044e\u0447\u0430\u0435\u0442 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044e \u0441\u043e\u0447\u0435\u0442\u0430\u043d\u0438\u044f SMS OTP\/\u0433\u043e\u043b\u043e\u0441\u043e\u0432\u043e\u0439 OTP\/\u0440\u0430\u0441\u043f\u043e\u0437\u043d\u0430\u0432\u0430\u043d\u0438\u044f \u043b\u0438\u0446\u0430 \u0432 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0442 \u0443\u0440\u043e\u0432\u043d\u044f \u0440\u0438\u0441\u043a\u0430 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0438<\/li>\n<li>\u0417\u0430\u0434\u0435\u0440\u0436\u043a\u0430 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u044f \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u0432 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u043c \u0432\u0440\u0435\u043c\u0435\u043d\u0438 &lt;50 \u043c\u0441, \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044c \u043a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442\u0430 \u043b\u043e\u0436\u043d\u043e\u0439 \u0442\u0440\u0435\u0432\u043e\u0433\u0438 \u043d\u0438\u0436\u0435 0,001%<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\u041e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u044f \u0441\u0442\u0435\u043a\u0430 UPI<\/li>\n<\/ol>\n<ul>\n<li>\u0421\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 NanoOS \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0435\u0442 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u044c USSD-\u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0439 \u0448\u043b\u044e\u0437 \u043d\u0430 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0445 \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u0430\u0445, \u043e\u0445\u0432\u0430\u0442\u044b\u0432\u0430\u044f 300 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439, \u043d\u0435 \u044f\u0432\u043b\u044f\u044e\u0449\u0438\u0445\u0441\u044f \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044f\u043c\u0438 \u0441\u043c\u0430\u0440\u0442\u0444\u043e\u043d\u043e\u0432.<\/li>\n<li>\u041c\u043e\u0434\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u0442\u0440\u0430\u043d\u0441\u043f\u043e\u0440\u0442\u043d\u043e\u0433\u043e \u0443\u0440\u043e\u0432\u043d\u044f UPI+ \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u043f\u0440\u043e\u0442\u043e\u043a\u043e\u043b\u0430 QUIC \u043f\u043e\u0437\u0432\u043e\u043b\u0438\u043b\u0430 \u0441\u043e\u043a\u0440\u0430\u0442\u0438\u0442\u044c \u0432\u0440\u0435\u043c\u044f \u043f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u0438\u044f \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0438 \u0441 2,3 \u0441 \u0434\u043e 0,9 \u0441 \u0432 \u0441\u0435\u0442\u0438 4G<\/li>\n<li>\u0420\u0430\u0441\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u043d\u044b\u0435 \u043a\u043b\u0438\u0440\u0438\u043d\u0433\u043e\u0432\u044b\u0435 \u0443\u0437\u043b\u044b, \u0440\u0430\u0437\u0432\u0435\u0440\u043d\u0443\u0442\u044b\u0435 NPCI (\u041d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0439 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0446\u0438\u0435\u0439) \u0441 \u0430\u0441\u0438\u043d\u0445\u0440\u043e\u043d\u043d\u044b\u043c\u0438 \u0432\u0438\u0437\u0430\u043d\u0442\u0438\u0439\u0441\u043a\u0438\u043c\u0438 \u043e\u0442\u043a\u0430\u0437\u043e\u0443\u0441\u0442\u043e\u0439\u0447\u0438\u0432\u044b\u043c\u0438 \u0430\u043b\u0433\u043e\u0440\u0438\u0442\u043c\u0430\u043c\u0438, \u0441 \u043f\u0438\u043a\u043e\u0432\u043e\u0439 \u043c\u043e\u0449\u043d\u043e\u0441\u0442\u044c\u044e \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 500 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0432 \u0434\u0435\u043d\u044c<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>\u043c\u0430\u0442\u0440\u0438\u0446\u0430 \u0433\u0438\u0431\u0440\u0438\u0434\u043d\u044b\u0445 \u043f\u043e\u0441\u0435\u043b\u0435\u043d\u0438\u0439<\/li>\n<\/ol>\n<ul>\n<li>\u041d\u0430\u043b\u043e\u0433\u043e\u0432\u044b\u0439 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c GSTN \u0440\u0430\u0441\u0441\u0447\u0438\u0442\u044b\u0432\u0430\u0435\u0442 IGST (\u0438\u043d\u0442\u0435\u0433\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u043d\u0430\u043b\u043e\u0433 \u043d\u0430 \u0442\u043e\u0432\u0430\u0440\u044b \u0438 \u0443\u0441\u043b\u0443\u0433\u0438) \u043f\u043e \u043c\u0435\u0436\u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u043c \u0441\u0434\u0435\u043b\u043a\u0430\u043c \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438 \u0441 \u0442\u043e\u0447\u043d\u043e\u0441\u0442\u044c\u044e \u0434\u043e 4 \u0437\u043d\u0430\u043a\u043e\u0432 \u043f\u043e\u0441\u043b\u0435 \u0437\u0430\u043f\u044f\u0442\u043e\u0439<\/li>\n<li>\u0423\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u043d\u0430\u044f RBI \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \"\u0432\u043e\u0434\u043e\u043f\u0430\u0434\u043d\u044b\u0445 \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432\": \u043f\u0440\u0438\u043e\u0440\u0438\u0442\u0435\u0442\u043d\u043e\u0435 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u043e\u0441\u0442\u0430\u0442\u043a\u043e\u0432 \u043d\u0430 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u0441\u0447\u0435\u0442\u0430\u0445 \u2192 \u043e\u0441\u0442\u0430\u0442\u043a\u0438 \u043d\u0430 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430\u0445 \u2192 \u043a\u0440\u0435\u0434\u0438\u0442\u044b BNPL \u2192 \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u043f\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u0435 \u0434\u0435\u0431\u0435\u0442\u043e\u0432\u044b\u0445 \u043a\u0430\u0440\u0442<\/li>\n<\/ul>\n<ol start=\"4\"><\/p>\n<li>\n<p><strong>\u0418\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u0430\u044f \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0438\u0437\u0430\u0446\u0438\u044f \u0438 \u0431\u0430\u043b\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u043a\u0430 \u043d\u0430\u0433\u0440\u0443\u0437\u043a\u0438<\/strong><\/p>\n<ul>\n<li><strong>\u041c\u043d\u043e\u0433\u043e\u043a\u0430\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c \u0434\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0438\u0437\u0430\u0446\u0438\u0438<\/strong>: \u041c\u043e\u043d\u0438\u0442\u043e\u0440\u0438\u043d\u0433 \u0432 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u043c \u0432\u0440\u0435\u043c\u0435\u043d\u0438 \u0432\u0440\u0435\u043c\u0435\u043d\u0438 \u043e\u0442\u043a\u043b\u0438\u043a\u0430 \u0431\u0430\u043d\u043a\u043e\u0432\/PSP (Payment Service Providers) API, \u043a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442\u0430 \u0443\u0441\u043f\u0435\u0448\u043d\u043e\u0441\u0442\u0438 \u0438 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0439 \u0434\u043b\u044f \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0432\u044b\u0431\u043e\u0440\u0430 \u043e\u043f\u0442\u0438\u043c\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u043f\u0443\u0442\u0438. \u041d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043d\u0435\u0434\u043e\u0440\u043e\u0433\u043e\u0439 \u043a\u0430\u043d\u0430\u043b IMPS \u043f\u0440\u0435\u0434\u043f\u043e\u0447\u0442\u0438\u0442\u0435\u043b\u0435\u043d \u0434\u043b\u044f \u043d\u0435\u0431\u043e\u043b\u044c\u0448\u0438\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439, \u0430 \u0441\u0435\u0442\u044c RTGS \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442\u0441\u044f \u0434\u043b\u044f \u043a\u0440\u0443\u043f\u043d\u044b\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439.<\/li>\n<li><strong>\u043f\u043e\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0439 \u0432\u044b\u0447\u0438\u0441\u043b\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0443\u0437\u0435\u043b<\/strong>: \u0420\u0430\u0437\u0432\u0435\u0440\u0442\u044b\u0432\u0430\u043d\u0438\u0435 \u043b\u043e\u043a\u0430\u043b\u044c\u043d\u044b\u0445 \u0446\u0435\u043d\u0442\u0440\u043e\u0432 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 \u0432 \u041c\u0443\u043c\u0431\u0430\u0438, \u0411\u0430\u043d\u0433\u0430\u043b\u043e\u0440\u0435 \u0438 \u0414\u0435\u043b\u0438 \u0434\u043b\u044f \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0438\u0437\u0430\u0446\u0438\u0438 \u0437\u0430\u043f\u0440\u043e\u0441\u043e\u0432 \u043a \u0431\u043b\u0438\u0436\u0430\u0439\u0448\u0435\u043c\u0443 \u0443\u0437\u043b\u0443 \u0447\u0435\u0440\u0435\u0437 Anycast DNS \u0441 \u0441\u043e\u043a\u0440\u0430\u0449\u0435\u043d\u0438\u0435\u043c \u0437\u0430\u0434\u0435\u0440\u0436\u043a\u0438 \u043d\u0430 401 TP3T.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u0421\u0438\u0441\u0442\u0435\u043c\u0430 \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u044f \u0438 \u0448\u0438\u0444\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0434\u0430\u043d\u043d\u044b\u0445<\/strong><\/p>\n<ul>\n<li><strong>\u0421\u0438\u0441\u0442\u0435\u043c\u0430 \u0445\u0440\u0430\u043d\u0438\u043b\u0438\u0449 \u0442\u043e\u043a\u0435\u043d\u043e\u0432<\/strong>: \u0421\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c RBI PCI-DSS \u0438 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c \u043a \u043b\u043e\u043a\u0430\u043b\u044c\u043d\u043e\u043c\u0443 \u0445\u0440\u0430\u043d\u0435\u043d\u0438\u044e \u0434\u0430\u043d\u043d\u044b\u0445 (\u041f\u043e\u043b\u0438\u0442\u0438\u043a\u0430 \u043b\u043e\u043a\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0434\u0430\u043d\u043d\u044b\u0445 2019), \u0432\u0441\u0435 \u043d\u043e\u043c\u0435\u0440\u0430 \u043a\u0430\u0440\u0442\/\u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u043e \u0441\u0447\u0435\u0442\u0430\u0445 \u0437\u0430\u043c\u0435\u043d\u0435\u043d\u044b \u043d\u0435\u043e\u0431\u0440\u0430\u0442\u0438\u043c\u044b\u043c\u0438 \u0442\u043e\u043a\u0435\u043d\u0430\u043c\u0438 (\u0444\u043e\u0440\u043c\u0430\u0442 FPE \u0441\u043e\u0445\u0440\u0430\u043d\u044f\u0435\u0442 \u0448\u0438\u0444\u0440\u043e\u0432\u0430\u043d\u0438\u0435).<\/li>\n<li><strong>\u042d\u043a\u0441\u043f\u0435\u0440\u0438\u043c\u0435\u043d\u0442\u0430\u043b\u044c\u043d\u043e\u0435 \u0448\u0438\u0444\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0441 \u043a\u0432\u0430\u043d\u0442\u043e\u0432\u043e\u0439 \u0441\u0442\u043e\u0439\u043a\u043e\u0441\u0442\u044c\u044e<\/strong>: \u0412\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u0435 \u0441\u0445\u0435\u043c \u043f\u043e\u0434\u043f\u0438\u0441\u0438 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0440\u0435\u0448\u0435\u0442\u043e\u043a (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, CRYSTALS-Dilithium) \u0432 \u0442\u0435\u0441\u0442\u043e\u0432\u044b\u0445 \u0441\u0435\u0442\u044f\u0445 UPI 3.0 \u0434\u043b\u044f \u043f\u0440\u0435\u0434\u043e\u0442\u0432\u0440\u0430\u0449\u0435\u043d\u0438\u044f \u0431\u0443\u0434\u0443\u0449\u0438\u0445 \u0430\u0442\u0430\u043a \u0441 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435\u043c \u043a\u0432\u0430\u043d\u0442\u043e\u0432\u044b\u0445 \u0432\u044b\u0447\u0438\u0441\u043b\u0435\u043d\u0438\u0439.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u0421\u0442\u0435\u043a \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439 \u043e\u0444\u043b\u0430\u0439\u043d-\u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/strong><\/p>\n<ul>\n<li><strong>\u041f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u0434\u043b\u044f \u043a\u0430\u0440\u0442 NFC-SIM<\/strong>: \u041f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438 \u0431\u0435\u0437 \u0441\u0435\u0442\u0438, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a \u043c\u0435\u0442\u0440\u043e \u0441 \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u0438\u0437\u043e\u0432\u0430\u043d\u043d\u044b\u043c\u0438 \u0442\u043e\u043a\u0435\u043d\u0430\u043c\u0438 + \u0440\u0435\u0436\u0438\u043c \u043f\u0430\u043a\u0435\u0442\u043d\u043e\u0433\u043e \u043a\u043b\u0438\u0440\u0438\u043d\u0433\u0430 \u043f\u043e\u0441\u0442\u0444\u0430\u043a\u0442\u0443\u043c (\u043c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u044c\u043d\u0430\u044f \u0441\u0443\u043c\u043c\u0430 \u0432 \u043e\u0444\u043b\u0430\u0439\u043d\u0435 - 2 000 \u0440\u0443\u043f\u0438\u0439).<\/li>\n<li><em>SoundPay<\/em>\u041f\u0440\u043e\u0442\u043e\u043a\u043e\u043b \u0437\u0432\u0443\u043a\u043e\u0432\u043e\u0439 \u0441\u0432\u044f\u0437\u0438: \u0444\u0443\u043d\u043a\u0446\u0438\u044f \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u043e\u0433\u043e \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u0430 \u0447\u0435\u0440\u0435\u0437 \u0442\u043e\u043d DTMF \u0434\u043b\u044f \u0437\u0430\u0432\u0435\u0440\u0448\u0435\u043d\u0438\u044f \u043f\u0435\u0440\u0435\u0434\u0430\u0447\u0438 \u0432 \u0431\u043b\u0438\u0436\u043d\u0435\u043c \u043f\u043e\u043b\u0435, \u043a\u043e\u0434\u043e\u0432\u0430\u044f \u0441\u043a\u043e\u0440\u043e\u0441\u0442\u044c 1.2kbps \u00b1 0.3% BER \u043a\u043e\u043c\u043f\u0435\u043d\u0441\u0430\u0446\u0438\u044f.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u0426\u0435\u043d\u0442\u0440 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f \u0440\u0438\u0441\u043a\u043e\u0432 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0438\u0441\u043a\u0443\u0441\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0438\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442\u0430<\/strong><\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>Federated Learning Framework \u0430\u0433\u0440\u0435\u0433\u0438\u0440\u0443\u0435\u0442 \u043f\u0440\u0438\u0437\u043d\u0430\u043a\u0438 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u0432 \u0440\u0430\u0437\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u0430\u0445 \u0431\u0435\u0437 \u0440\u0430\u0441\u043a\u0440\u044b\u0442\u0438\u044f \u0438\u0441\u0445\u043e\u0434\u043d\u044b\u0445 \u0434\u0430\u043d\u043d\u044b\u0445<\/li>\n<li>\u0410\u043d\u0430\u043b\u0438\u0437 \u043f\u043e\u0432\u0435\u0434\u0435\u043d\u0438\u044f \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438 \u0434\u043b\u044f \u0432\u044b\u044f\u0432\u043b\u0435\u043d\u0438\u044f \u0430\u043d\u043e\u043c\u0430\u043b\u044c\u043d\u044b\u0445 \u043c\u043e\u0434\u0435\u043b\u0435\u0439:<br \/>\n\u25b8 \u041b\u043e\u0433\u0438\u043a\u0430 \u0433\u0435\u043e\u0433\u0440\u0430\u0444\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043f\u0435\u0440\u0435\u0445\u043e\u0434\u043e\u0432 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u044f \u041c\u0443\u043c\u0431\u0430\u0438 \u2192 \u0427\u0435\u043d\u043d\u0430\u0438 \u0437\u0430 10 \u043c\u0438\u043d\u0443\u0442)<br \/>\n\u25b8 \u0418\u0434\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0442\u043e\u0440 \u043c\u0443\u0442\u0430\u0446\u0438\u0438 \u043e\u0442\u043f\u0435\u0447\u0430\u0442\u043a\u043e\u0432 \u043f\u0430\u043b\u044c\u0446\u0435\u0432 \u0443\u0441\u0442\u0440\u043e\u0439\u0441\u0442\u0432\u0430<\/li>\n<li>\u0410\u043b\u0433\u043e\u0440\u0438\u0442\u043c \u043f\u0435\u0440\u0435\u0445\u0432\u0430\u0442\u0430 \"\u043e\u0445\u043b\u0430\u0436\u0434\u0435\u043d\u0438\u044f\", \u043f\u0440\u0435\u0434\u043f\u0438\u0441\u0430\u043d\u043d\u044b\u0439 RBI<\/li>\n<\/ul>\n<p>8.<strong>\u0410\u0434\u0430\u043f\u0442\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0439 \u0441\u043b\u043e\u0439 \u0434\u043b\u044f \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u043f\u043e\u0441\u0435\u043b\u0435\u043d\u0438\u0439<\/strong><\/p>\n<ul>\n<li>\u0421\u0438\u0441\u0442\u0435\u043c\u0430 AutoFX \u0434\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u0438 \u0444\u0438\u043a\u0441\u0438\u0440\u0443\u0435\u0442 \u043a\u0443\u0440\u0441\u044b \u0432\u0430\u043b\u044e\u0442<br \/>\n\u041f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0430 \u043c\u0433\u043d\u043e\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u043e\u0431\u043c\u0435\u043d\u0430 INR \u2194 \u0434\u0438\u0440\u0445\u0430\u043c \u041e\u0410\u042d<\/li>\n<li>\u041c\u043e\u0434\u0443\u043b\u044c \u043c\u043e\u043d\u0438\u0442\u043e\u0440\u0438\u043d\u0433\u0430 \u0441\u0435\u0442\u0438 \u0425\u0430\u0432\u0430\u043b\u0430 \u043e\u0442\u0441\u043b\u0435\u0436\u0438\u0432\u0430\u0435\u0442 \u043f\u043e\u0434\u0437\u0435\u043c\u043d\u044b\u0435 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0435 \u0438\u043d\u0444\u0438\u043b\u044c\u0442\u0440\u0430\u0446\u0438\u0438<\/li>\n<\/ul>\n<p>9.<strong>\u0418\u043d\u0442\u0435\u0440\u0444\u0435\u0439\u0441 \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0438 \u0441 \u0440\u0435\u0433\u0443\u043b\u044f\u0442\u0438\u0432\u043d\u043e\u0439 \u043f\u0435\u0441\u043e\u0447\u043d\u0438\u0446\u0435\u0439<\/strong><\/p>\n<ul>\n<li>\u0428\u043b\u044e\u0437 RBI Sandbox API \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u0435\u0442 \u0438\u043c\u0438\u0442\u0430\u0446\u0438\u044e \u0442\u0435\u0441\u0442\u043e\u0432\u043e\u0439 \u0441\u0440\u0435\u0434\u044b<br \/>\n\u0420\u0430\u0437\u0440\u0435\u0448\u0435\u043d\u043e \u0432 \u043f\u0435\u0441\u043e\u0447\u043d\u0438\u0446\u0435.<br \/>\n\u25b8 \u0412\u0438\u0440\u0442\u0443\u0430\u043b\u044c\u043d\u044b\u0439 \u0433\u0435\u043d\u0435\u0440\u0430\u0442\u043e\u0440 Aadhaar (\u0442\u043e\u043b\u044c\u043a\u043e \u0442\u0435\u0441\u0442)<br \/>\n\u25b8 \u0418\u043d\u0441\u0446\u0435\u043d\u0438\u0440\u043e\u0432\u043a\u0430 \u043e\u0442\u0432\u0435\u0442\u0430 \u043d\u0430 \u043b\u0438\u043a\u0432\u0438\u0434\u0430\u0446\u0438\u044e NPCI<\/li>\n<\/ul>\n<p>10.<strong>\u041f\u0440\u043e\u0435\u043a\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u044b \u0443\u0441\u0442\u043e\u0439\u0447\u0438\u0432\u043e\u0441\u0442\u0438 \u043a \u043a\u0430\u0442\u0430\u0441\u0442\u0440\u043e\u0444\u0430\u043c<\/strong><br \/>\n\u0420\u0430\u0441\u043f\u043e\u043b\u043e\u0436\u0435\u043d\u043d\u044b\u0439 \u0432 \u043e\u0434\u043d\u043e\u043c \u043c\u0435\u0441\u0442\u0435 \u0446\u0435\u043d\u0442\u0440 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 \u0434\u0430\u043d\u043d\u044b\u0445 \u0441 \u0434\u0432\u043e\u0439\u043d\u043e\u0439 \u0430\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u044c\u044e + \u0430\u0441\u0438\u043d\u0445\u0440\u043e\u043d\u043d\u043e\u0435 \u0440\u0435\u0437\u0435\u0440\u0432\u043d\u043e\u0435 \u043a\u043e\u043f\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0432\u043d\u0435 \u043f\u043e\u043c\u0435\u0449\u0435\u043d\u0438\u0439<br \/>\n\u041a\u043e\u0433\u0434\u0430 \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u0440\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0435 \u043e\u0442\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435.<br \/>\n1) \u0410\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u043f\u0435\u0440\u0435\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435 \u043d\u0430 \u0440\u0435\u0437\u0435\u0440\u0432\u043d\u044b\u0439 \u043a\u0430\u043d\u0430\u043b \u0441\u043f\u0443\u0442\u043d\u0438\u043a\u043e\u0432\u043e\u0439 \u0441\u0432\u044f\u0437\u0438 (VSAT)<br \/>\n2) \u0412\u043a\u043b\u044e\u0447\u0438\u0442\u0435 \u0443\u043f\u0440\u043e\u0449\u0435\u043d\u043d\u0443\u044e \u0441\u0438\u0441\u0442\u0435\u043c\u0443 USSD-\u043c\u0435\u043d\u044e<\/p>","protected":false},"excerpt":{"rendered":"<p>\u0412 \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0431\u0430\u0437\u0435 \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u043e\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0439 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b \u0441\u043e\u0447\u0435\u0442\u0430\u044e\u0442\u0441\u044f \u043e\u0442\u0435\u0447\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u0438 \u0438 \u043c\u0438\u0440\u043e\u0432\u044b\u0435 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u044b, \u0430 \u0435\u0435 \u043e\u0441\u043d\u043e\u0432\u043d\u0430\u044f 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