{"id":3116,"date":"2025-05-31T21:51:19","date_gmt":"2025-05-31T13:51:19","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3116"},"modified":"2025-05-31T21:51:19","modified_gmt":"2025-05-31T13:51:19","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/","title":{"rendered":"\u041a\u0430\u043a \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u0448\u043b\u044e\u0437\u044b \u0432 \u0418\u043d\u0434\u0438\u0438 \u043c\u043e\u0433\u0443\u0442 \u0438\u0437\u0431\u0435\u0436\u0430\u0442\u044c \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439?"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts274.mm.bing.net\/th?q=phonepe273\" alt=\"\u041a\u0430\u043a \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u0448\u043b\u044e\u0437\u044b \u0432 \u0418\u043d\u0434\u0438\u0438 \u043c\u043e\u0433\u0443\u0442 \u0438\u0437\u0431\u0435\u0436\u0430\u0442\u044c \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439?\" title=\"\u041a\u0430\u043a \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u0448\u043b\u044e\u0437\u044b \u0432 \u0418\u043d\u0434\u0438\u0438 \u043c\u043e\u0433\u0443\u0442 \u0438\u0437\u0431\u0435\u0436\u0430\u0442\u044c \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439?\"><\/p>\n<p>\u041f\u0440\u0435\u0434\u043e\u0442\u0432\u0440\u0430\u0449\u0435\u043d\u0438\u0435 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439 \u043d\u0430 \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u0438\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430\u0445 \u0442\u0440\u0435\u0431\u0443\u0435\u0442 \u0441\u043e\u0447\u0435\u0442\u0430\u043d\u0438\u044f \u043c\u0435\u0441\u0442\u043d\u044b\u0445 \u043d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u044b\u0445 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0439, \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0438 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0445 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0439. \u041d\u0438\u0436\u0435 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u044b \u043f\u0440\u043e\u0444\u0435\u0441\u0441\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0435 \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0438\u0438, \u0441\u0438\u0441\u0442\u0435\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u043f\u043e 7 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f\u043c:<\/p>\n<ol>\n<li>\u041d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u043e-\u043f\u0440\u0430\u0432\u043e\u0432\u0430\u044f \u0431\u0430\u0437\u0430<\/li>\n<\/ol>\n<ul>\n<li>\u0421\u0442\u0440\u043e\u0433\u043e\u0435 \u0441\u043e\u0431\u043b\u044e\u0434\u0435\u043d\u0438\u0435 \u0434\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b RBI \u043e\u0431 \u043e\u043f\u0435\u0440\u0430\u0442\u043e\u0440\u0430\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0441\u0438\u0441\u0442\u0435\u043c (2020)<\/li>\n<li>\u0412\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u0435 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0430 \u0437\u0430\u0449\u0438\u0442\u044b \u0434\u0430\u043d\u043d\u044b\u0445 DPA2018 (\u044d\u043a\u0432\u0438\u0432\u0430\u043b\u0435\u043d\u0442 GDPR)<\/li>\n<li>\u0412\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0439 \u0441\u0435\u0440\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438 PCI DSS \u0443\u0440\u043e\u0432\u043d\u044f 1<\/li>\n<li>\u0421\u043e\u0437\u0434\u0430\u043d\u0438\u0435 \u0433\u0440\u0443\u043f\u043f\u044b \u043f\u043e \u0441\u043e\u0431\u043b\u044e\u0434\u0435\u043d\u0438\u044e \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0439 PMLA (\u0431\u043e\u0440\u044c\u0431\u0430 \u0441 \u043e\u0442\u043c\u044b\u0432\u0430\u043d\u0438\u0435\u043c \u0434\u0435\u043d\u0435\u0433)<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\n<p>\u041c\u0430\u0442\u0440\u0438\u0446\u0430 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f \u0440\u0438\u0441\u043a\u043e\u0432 \u0418\u0418<br \/>\n- \u0420\u0430\u0437\u0432\u0435\u0440\u0442\u044b\u0432\u0430\u043d\u0438\u0435 \u043f\u043e\u0432\u0435\u0434\u0435\u043d\u0447\u0435\u0441\u043a\u0438\u0445 \u0431\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c\u043e\u0432:<\/p>\n<ul>\n<li>\u041a\u0438\u043d\u0435\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u043d\u0430\u0436\u0430\u0442\u0438\u044f \u043a\u043b\u0430\u0432\u0438\u0448 (\u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f TypingDNA)<\/li>\n<li>\u0410\u043d\u0430\u043b\u0438\u0437 \u043a\u043b\u0430\u0441\u0442\u0435\u0440\u0438\u0437\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 + GPS-\u0442\u0440\u0435\u043a\u043e\u0432<br \/>\n- \u0418\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u043f\u0435\u0440\u0435\u0445\u0432\u0430\u0442\u0430 UPI:<\/li>\n<li>\u041c\u043e\u043d\u0438\u0442\u043e\u0440\u0438\u043d\u0433 \u0441\u043a\u043e\u0440\u043e\u0441\u0442\u0438 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 NPCI<\/li>\n<li>BHIM Aadhaar Pay \u041e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u0435 \u0430\u043d\u043e\u043c\u0430\u043b\u044c\u043d\u044b\u0445 \u043f\u0430\u0442\u0442\u0435\u0440\u043d\u043e\u0432<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>\u0421\u0438\u0441\u0442\u0435\u043c\u0430 \u0430\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438 \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u043e\u0432 L3<br \/>\n\u221a \u041f\u0440\u043e\u0446\u0435\u0441\u0441 \u0441\u043e\u0432\u0435\u0440\u0448\u0435\u043d\u0441\u0442\u0432\u043e\u0432\u0430\u043d\u0438\u044f KYC:<br \/>\n\u0412\u0438\u0434\u0435\u043e KYC + \u043f\u0435\u0440\u0435\u043a\u0440\u0435\u0441\u0442\u043d\u0430\u044f \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0430 \u0431\u0430\u0437\u044b \u0434\u0430\u043d\u043d\u044b\u0445 CKYC<br \/>\n\u221a \u0414\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044c\u043d\u0430\u044f \u0441\u0443\u043c\u043c\u0430 GSTIN:<br \/>\n\u0410\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u0432\u0437\u0430\u0438\u043c\u043e\u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0435 \u0441 API \u043f\u043e\u0440\u0442\u0430\u043b\u0430 GST \u0434\u043b\u044f \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0438 \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438<br \/>\n\u221a TDR Smart Scoring:<br \/>\n\u041c\u043e\u0434\u0435\u043b\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u0440\u0435\u0439\u0442\u0438\u043d\u0433\u0430 \u0442\u043e\u0440\u0433\u043e\u0432\u044b\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0434\u0430\u043d\u043d\u044b\u0445 CRISIL<\/p>\n<\/li>\n<li>\n<p>\u041f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u0438\u044f \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438 OTP<br \/>\n\u25c7 \u0421\u0438\u0441\u0442\u0435\u043c\u0430 \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u044f \u043f\u043e\u0434\u043c\u0435\u043d\u044b SIM-\u043a\u0430\u0440\u0442 (\u043f\u0440\u044f\u043c\u043e\u0435 \u043f\u043e\u0434\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435 \u043a API \u0442\u0435\u043b\u0435\u043a\u043e\u043c\u043c\u0443\u043d\u0438\u043a\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0445 \u043e\u043f\u0435\u0440\u0430\u0442\u043e\u0440\u043e\u0432)<br \/>\n\u25c7 \u0422\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u044f \u0433\u0435\u043e-\u043e\u0433\u0440\u0430\u0436\u0434\u0435\u043d\u0438\u044f OTP (\u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u0435 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0438 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u043c\u0435\u0436\u0434\u0443 \u0448\u0442\u0430\u0442\u0430\u043c\u0438)<br \/>\n\u25c7 \u0410\u043b\u044c\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u043d\u0430\u044f \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 VoiceOTP (\u0434\u043b\u044f \u043f\u043e\u0436\u0438\u043b\u044b\u0445 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439)<\/p>\n<\/li>\n<li>\n<p>\u041e\u0445\u0432\u0430\u0442 \u043f\u0443\u043d\u043a\u0442\u043e\u0432 \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0430\u0443\u0434\u0438\u0442\u0430 RBI<br \/>\n\u2713 \u0424\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0435\u0436\u0435\u0434\u043d\u0435\u0432\u043d\u043e\u0433\u043e \u043e\u0442\u0447\u0435\u0442\u0430 MIS (\u0432 \u0444\u043e\u0440\u043c\u0430\u0442\u0435 DPSS.CO.PD.No.1815)<br \/>\n\u2713 \u0415\u0436\u0435\u043a\u0432\u0430\u0440\u0442\u0430\u043b\u044c\u043d\u044b\u0439 \u0442\u0435\u0441\u0442 \u043d\u0430 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0435 CERT-In<br \/>\n\u2713 \u0415\u0436\u0435\u0433\u043e\u0434\u043d\u0430\u044f \u043e\u0446\u0435\u043d\u043a\u0430 \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u044b RBI<\/p>\n<\/li>\n<li>\n<p>\u0411\u0438\u0431\u043b\u0438\u043e\u0442\u0435\u043a\u0430 \u043b\u043e\u043a\u0430\u043b\u0438\u0437\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u043f\u0440\u043e\u0444\u0438\u043b\u0435\u0439 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430<br \/>\n- \u0411\u0438\u0431\u043b\u0438\u043e\u0442\u0435\u043a\u0430 \u0448\u0430\u0431\u043b\u043e\u043d\u043e\u0432 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 Paytm (\u0441\u043e\u0434\u0435\u0440\u0436\u0438\u0442 200+ \u0440\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0445 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432)<br \/>\n- \u0410\u043b\u044c\u044f\u043d\u0441 \u043f\u043e \u043e\u0431\u043c\u0435\u043d\u0443 \u0447\u0435\u0440\u043d\u044b\u043c\u0438 \u0441\u043f\u0438\u0441\u043a\u0430\u043c\u0438 \u0438\u0434\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0442\u043e\u0440\u043e\u0432 UPI<br \/>\n- BharatQR \u0438\u0434\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u0441\u0438\u0433\u043d\u0430\u0442\u0443\u0440 \u0430\u0442\u0430\u043a\u0438 \"\u0447\u0435\u043b\u043e\u0432\u0435\u043a \u043f\u043e\u0441\u0435\u0440\u0435\u0434\u0438\u043d\u0435<\/p>\n<\/li>\n<\/ol>\n<p>7. \u041c\u0435\u0445\u0430\u043d\u0438\u0437\u043c SLA \u0434\u043b\u044f \u0440\u0430\u0437\u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0441\u043f\u043e\u0440\u043e\u0432<br \/>\n\" NPCI \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0438\u043b 2-\u0447\u0430\u0441\u043e\u0432\u043e\u0435 \u043e\u043a\u043d\u043e \u0440\u0435\u0430\u0433\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u043d\u0430 \u0447\u0440\u0435\u0437\u0432\u044b\u0447\u0430\u0439\u043d\u044b\u0435 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u0438<br \/>\n\" \u0418\u043d\u0442\u0435\u0440\u0444\u0435\u0439\u0441 \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0430\u0446\u0438\u0438 \u0437\u0430\u043c\u043e\u0440\u0430\u0436\u0438\u0432\u0430\u043d\u0438\u044f \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u043d\u0430 \u044d\u0441\u043a\u0440\u043e\u0443-\u0441\u0447\u0435\u0442\u0430\u0445<br \/>\n\" \u041f\u0440\u0435\u0434\u0438\u043a\u0442\u0438\u0432\u043d\u043e\u0435 \u043c\u043e\u0434\u0435\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0447\u0430\u0440\u0434\u0436\u0431\u044d\u043a\u0430 \u0434\u043b\u044f \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u043e\u0432<\/p>\n<p>\u041f\u0440\u0438\u043c\u0435\u0440 \u0442\u0438\u043f\u0438\u0447\u043d\u043e\u0433\u043e \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u0430 \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u0438\u044f \u0434\u0435\u043b\u0430:<br \/>\n\u0415\u0441\u043b\u0438 \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0438\u0442\u0441\u044f, \u0447\u0442\u043e \u043e\u0434\u0438\u043d \u0438 \u0442\u043e\u0442 \u0436\u0435 IP-\u0430\u0434\u0440\u0435\u0441 \u0438\u043d\u0438\u0446\u0438\u0438\u0440\u043e\u0432\u0430\u043b 50 \u0437\u0430\u043f\u0440\u043e\u0441\u043e\u0432 UPI Collect \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0435 30 \u043c\u0438\u043d\u0443\u0442, \u0441\u0438\u0441\u0442\u0435\u043c\u0430: \u2460 \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u0438 \u0437\u0430\u043f\u0443\u0441\u0442\u0438\u0442 \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0444\u0430\u043a\u0442\u043e\u0440 \u0430\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438, \u0442\u0440\u0435\u0431\u0443\u0435\u043c\u044b\u0439 RBI; \u2461 \u0437\u0430\u043c\u043e\u0440\u043e\u0437\u0438\u0442 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u044e \u0438 \u043e\u0442\u043f\u0440\u0430\u0432\u0438\u0442 \u0440\u0430\u043d\u043d\u0435\u0435 \u043f\u0440\u0435\u0434\u0443\u043f\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u0435 \u043d\u0430 \u043f\u043e\u0440\u0442\u0430\u043b NPCI Fraud Reporting Portal; \u0438 \u2462 \u0432\u044b\u0437\u043e\u0432\u0435\u0442 Yes Bank's Suspend Settlement API.<\/p>\n<p>\u0420\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u0442\u0441\u044f \u0435\u0436\u0435\u043a\u0432\u0430\u0440\u0442\u0430\u043b\u044c\u043d\u043e \u043e\u0431\u043d\u043e\u0432\u043b\u044f\u0442\u044c \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u0435 \u043f\u0430\u0440\u0430\u043c\u0435\u0442\u0440\u044b: \u0441\u043f\u0438\u0441\u043e\u043a \u0441\u0442\u0440\u0430\u043d \u0441 \u0432\u044b\u0441\u043e\u043a\u0438\u043c \u0443\u0440\u043e\u0432\u043d\u0435\u043c \u0440\u0438\u0441\u043a\u0430 FAFT, \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0441\u043b\u0443\u0447\u0430\u0438 \u043f\u0440\u0435\u0434\u0443\u043f\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u0439 RBI, \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u044f \u0432 \u043f\u0440\u0430\u0432\u0438\u043b\u0430\u0445 \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0438\u0437\u0430\u0446\u0438\u0438 NPCI. \u0412\u044b\u0448\u0435\u043f\u0435\u0440\u0435\u0447\u0438\u0441\u043b\u0435\u043d\u043d\u044b\u0435 \u043c\u0435\u0440\u044b \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0442 \u0443\u0434\u0435\u0440\u0436\u0430\u0442\u044c \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u043d\u0438\u0436\u0435 \u0431\u0430\u0437\u043e\u0432\u043e\u0433\u043e \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044f BPSS, \u0440\u0430\u0432\u043d\u043e\u0433\u043e 0,015%.<\/p>\n<p>\u0418\u0442\u0430\u043a, \u044f \u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0443 \u043f\u043e\u0433\u0440\u0443\u0436\u0430\u0442\u044c\u0441\u044f \u0432 \u0434\u0435\u0442\u0430\u043b\u0438 \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0440\u0435\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0438 \u0438 \u043f\u0435\u0440\u0435\u0434\u043e\u0432\u044b\u0435 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0438 \u0431\u043e\u0440\u044c\u0431\u044b \u0441 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e\u043c \u0432 \u0441\u0444\u0435\u0440\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u0418\u043d\u0434\u0438\u0438, \u0440\u0430\u0437\u0434\u0435\u043b\u0435\u043d\u043d\u044b\u0435 \u043d\u0430 \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u0435 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u043c\u043e\u0434\u0443\u043b\u0438:<\/p>\n<hr>\n<h3><strong>8. \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u0430 \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u043c\u043e\u043d\u0438\u0442\u043e\u0440\u0438\u043d\u0433\u0430 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0432 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u043c \u0432\u0440\u0435\u043c\u0435\u043d\u0438<\/strong><\/h3>\n<p><strong>\u041f\u043e\u0440\u0442\u0444\u0435\u043b\u044c \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0441\u0442\u0435\u043a\u043e\u0432:<\/strong><\/p>\n<ul>\n<li><strong>\u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 \u043f\u043e\u0442\u043e\u043a\u043e\u0432<\/strong>: Apache Flink (\u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0430 2000+ TPS \u043f\u0438\u043a\u043e\u0432 \u0432 UPI)<\/li>\n<li><strong>\u0434\u0432\u0438\u0436\u043e\u043a \u043f\u0440\u0430\u0432\u0438\u043b<\/strong>: Drools + \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u0430\u044f ML-\u043c\u043e\u0434\u0435\u043b\u044c (\u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 \u0440\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u0443\u044e \u043a\u043e\u043d\u0444\u0438\u0433\u0443\u0440\u0430\u0446\u0438\u044e \u043f\u0440\u0430\u0432\u0438\u043b)\n<ul>\n<li>\u041f\u0440\u0438\u043c\u0435\u0440: \u0421\u043f\u0435\u0446\u0438\u0430\u043b\u044c\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f \u0440\u0438\u0441\u043a\u043e\u0432 \u0434\u043b\u044f \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432 \u0438\u0437-\u0437\u0430 \u0440\u0443\u0431\u0435\u0436\u0430 \u0438\u0437 \u041a\u0435\u0440\u0430\u043b\u044b<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u0441\u043b\u043e\u0439 \u0434\u0430\u043d\u043d\u044b\u0445<\/strong>::\n<pre><code class=\"language-python\">\u041f\u0440\u0438\u043c\u0435\u0440 ETL \u0434\u0430\u043d\u043d\u044b\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 # NPCI<br>\r\ndef transform_upi_transaction(raw_data).<br>\r\n    \u0432\u0435\u0440\u043d\u0443\u0442\u044c\u0441\u044f {<br>\r\n        'txn_id': raw_data['NPCI_REF'],<br>\r\n        'geo_hash': geohash.encode(raw_data['lat'], raw_data['lon'], precision=7),<br>\r\n        'device_cluster': DeviceGraph.find_similar(raw_data['device_fp']),<br>\r\n        'is_high_risk': RiskModel.predict(raw_data)<br>\r\n    }<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>9. \u0421\u043f\u0435\u0446\u0438\u0430\u043b\u044c\u043d\u0430\u044f \u043e\u0431\u043e\u0440\u043e\u043d\u043d\u0430\u044f \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 UPI\/IMPS<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\u0422\u0438\u043f \u0430\u0442\u0430\u043a\u0438<\/th>\n<th>\u0421\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u044f<\/th>\n<th>\u043c\u0435\u0440\u0430 \u043f\u043e \u0441\u043c\u044f\u0433\u0447\u0435\u043d\u0438\u044e \u043f\u043e\u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u0439<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u041c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e \u0441 \u0437\u0430\u043c\u0435\u043d\u043e\u0439 QR-\u043a\u043e\u0434\u0430<\/td>\n<td>\u0420\u0430\u0441\u043f\u043e\u0437\u043d\u0430\u0432\u0430\u043d\u0438\u0435 \u0438\u0437\u043e\u0431\u0440\u0430\u0436\u0435\u043d\u0438\u0439 \u043d\u0430 \u0430\u0432\u0442\u043e\u0431\u0438\u043e\u0433\u0440\u0430\u0444\u0438\u0438 + \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u0435 \u043f\u043e\u0433\u0440\u0435\u0448\u043d\u043e\u0441\u0442\u0435\u0439 \u0432 \u0433\u0435\u043e\u043b\u043e\u043a\u0430\u0446\u0438\u0438 \u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432<\/td>\n<td>\u0412\u0442\u043e\u0440\u0438\u0447\u043d\u043e\u0435 \u043f\u043e\u0434\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u0438\u0435 OTP + \u0434\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u043f\u043e\u0434\u043f\u0438\u0441\u044c QR-\u043a\u043e\u0434\u043e\u043c<\/td>\n<\/tr>\n<tr>\n<td>\u0417\u0430\u0445\u0432\u0430\u0442 SIM-\u043a\u0430\u0440\u0442\u044b \u0432 \u0437\u0430\u043b\u043e\u0436\u043d\u0438\u043a\u0438<\/td>\n<td>\u0410\u043d\u0430\u043b\u0438\u0437 \u043f\u0440\u0438\u0432\u044f\u0437\u043a\u0438 IMEI-SIM (\u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u0441 API Jio\/Airtel)<\/td>\n<td>\u041c\u0435\u0445\u0430\u043d\u0438\u0437\u043c \u0440\u0435\u0437\u0435\u0440\u0432\u043d\u043e\u0433\u043e \u043a\u043e\u043f\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0433\u043e\u043b\u043e\u0441\u043e\u0432\u043e\u0433\u043e OTP<\/td>\n<\/tr>\n<tr>\n<td>\u0421\u0435\u0442\u044c \u0443\u0447\u0435\u0442\u043d\u044b\u0445 \u0437\u0430\u043f\u0438\u0441\u0435\u0439 Mule<\/td>\n<td>\u0421\u043e\u043f\u043e\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u0430\u0441\u0441\u043e\u0446\u0438\u0430\u0446\u0438\u0439 \u0443\u0447\u0435\u0442\u043d\u044b\u0445 \u0437\u0430\u043f\u0438\u0441\u0435\u0439 \u0432 \u0437\u0430\u043f\u0440\u043e\u0441\u0435 GraphQL<\/td>\n<td>RBI \u0432\u0432\u043e\u0434\u0438\u0442 90-\u0434\u043d\u0435\u0432\u043d\u044b\u0439 \u043f\u0435\u0440\u0438\u043e\u0434 \u043e\u0445\u043b\u0430\u0436\u0434\u0435\u043d\u0438\u044f \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439 \u043f\u043e \u0441\u0447\u0435\u0442\u0430\u043c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>10. \u0420\u0443\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u043e \u043f\u043e \u0440\u0435\u0430\u0433\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044e \u043d\u0430 \u043d\u043e\u0432\u044b\u0435 \u043f\u0440\u0430\u0432\u0438\u043b\u0430 RBI (\u043e\u0431\u043d\u043e\u0432\u043b\u0435\u043d\u043e \u0432 2024 \u0433.)<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\u0417\u0430\u0449\u0438\u0442\u0430 \u043e\u0442 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 eMandate<\/strong>::<\/p>\n<ul>\n<li>\u0418\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u044f \u043c\u0430\u043d\u0434\u0430\u0442\u0430 \u0434\u043e\u043b\u0436\u043d\u044b \u0432\u044b\u0437\u044b\u0432\u0430\u0442\u044c \u0434\u0432\u043e\u0439\u043d\u0443\u044e \u0430\u0432\u0442\u043e\u0440\u0438\u0437\u0430\u0446\u0438\u044e (SMS + \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0430\u044f \u043f\u043e\u0447\u0442\u0430)<\/li>\n<li>\u0410\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u043c\u043e\u043d\u0438\u0442\u043e\u0440\u0438\u043d\u0433 \u043c\u0443\u0442\u0430\u0446\u0438\u0439 (\u0430\u0432\u0442\u043e\u0441\u043f\u0438\u0441\u0430\u043d\u0438\u0435 \u043a\u043e\u043b\u0435\u0431\u0430\u043d\u0438\u0439 &gt;15%)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u0423\u0441\u0438\u043b\u0435\u043d\u043d\u0430\u044f \u0432\u0435\u0440\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/strong>::<\/p>\n<pre><code class=\"language-java\">\/\/ \u0424\u0440\u0430\u0433\u043c\u0435\u043d\u0442 \u043a\u043e\u0434\u0430 \u043d\u0430 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0435 \u043f\u0440\u0430\u0432\u0438\u043b\u0430\u043c \u043f\u0443\u0442\u0435\u0448\u0435\u0441\u0442\u0432\u0438\u0439 \u0424\u0410\u0422\u0424<br>\r\n\u0435\u0441\u043b\u0438 (transaction.isCrossBorder()) {<br>\r\n    \u0442\u0440\u0435\u0431\u0443\u044e\u0442 (LRS (\u0441\u043f\u0435\u0446\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f FEMA)).<br>\r\n    triggerVostroAccountCheck().<br>\r\n    applyDynamicForexLimit().<br>\r\n}<br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p>\u0411\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0430\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f AePS \u043f\u0440\u043e\u0442\u0438\u0432 \u043f\u043e\u0434\u0434\u0435\u043b\u043e\u043a:<br \/>\n\u0418\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u043f\u043e\u0440\u043e\u0433\u043e\u0432\u044b\u0445 \u0440\u0435\u0433\u0443\u043b\u044f\u0442\u043e\u0440\u043e\u0432 \"\u041e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u0435 \u0436\u0438\u0432\u043e\u0433\u043e\" + \"\u041e\u0446\u0435\u043d\u043a\u0430 \u0436\u0438\u0432\u043e\u0441\u0442\u0438<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>11. \u041e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u044f \u0441 \u0443\u0447\u0435\u0442\u043e\u043c \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0435\u0439 \u043c\u043e\u0434\u0435\u043b\u0438 \u0418\u0418<\/strong><\/h3>\n<pre><code class=\"language-mermaid\">\u0433\u0440\u0430\u0444\u0438\u043a TD<br>\r\nA[\u043d\u0435\u043e\u0431\u0440\u0430\u0431\u043e\u0442\u0430\u043d\u043d\u044b\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439] --&gt; B{\u0438\u043d\u0436\u0435\u043d\u0435\u0440\u043d\u0430\u044f \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u0430}<br>\r\nB --&gt; C [\u043f\u0440\u043e\u0441\u0442\u0440\u0430\u043d\u0441\u0442\u0432\u0435\u043d\u043d\u043e-\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u044b\u0435 \u0445\u0430\u0440\u0430\u043a\u0442\u0435\u0440\u0438\u0441\u0442\u0438\u043a\u0438]<br>\r\nB --&gt; D [\u043f\u043e\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0439]<br>\r\nC --&gt; E [\u041e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u0435 \u0430\u043d\u043e\u043c\u0430\u043b\u0438\u0439 \u0432 \u0441\u0435\u0442\u043a\u0435 Geohash]<br>\r\nD --&gt; F [\u0410\u043d\u0430\u043b\u0438\u0437 \u0432\u0440\u0435\u043c\u0435\u043d\u043d\u044b\u0445 \u0445\u0430\u0440\u0430\u043a\u0442\u0435\u0440\u0438\u0441\u0442\u0438\u043a LSTM]<br>\r\nE &amp; F --&gt; G [\u0438\u043d\u0442\u0435\u0433\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0435 \u043e\u0431\u0443\u0447\u0435\u043d\u0438\u0435 XGBoost]<br>\r\nG --&gt; H [\u0434\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u043e\u0446\u0435\u043d\u043a\u0430 \u0440\u0438\u0441\u043a\u0430 1-100] <br>\r\nH -- \u043e\u0446\u0435\u043d\u043a\u0430&gt;75 --&gt; I [\u043e\u0447\u0435\u0440\u0435\u0434\u044c \u043d\u0430 \u0440\u0443\u0447\u043d\u043e\u0435 \u0440\u0435\u0446\u0435\u043d\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435] <br>\r\n<\/code><\/pre>\n<p>\u0422\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u043a \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u043c \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044f\u043c:<\/p>\n<ul>\n<li>\u041a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442 \u0432\u043e\u0437\u0432\u0440\u0430\u0442\u0430 \u226598% (\u043f\u0440\u0435\u0434\u043e\u0442\u0432\u0440\u0430\u0449\u0435\u043d\u0438\u0435 \u043f\u0440\u043e\u043f\u0443\u0449\u0435\u043d\u043d\u044b\u0445 \u0442\u0435\u0441\u0442\u043e\u0432)<\/li>\n<li>\u041a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442 FP \u2264 0,5% (\u0443\u043c\u0435\u043d\u044c\u0448\u0435\u043d\u0438\u0435 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u043b\u043e\u0436\u043d\u044b\u0445 \u0441\u0440\u0430\u0431\u0430\u0442\u044b\u0432\u0430\u043d\u0438\u0439)<\/li>\n<\/ul>\n<hr>\n<h3><strong>12. \u0411\u0430\u043d\u043a \u0421\u043e\u0432\u043c\u0435\u0441\u0442\u043d\u0430\u044f \u0441\u0435\u0442\u044c \u043e\u0431\u043e\u0440\u043e\u043d\u044b<\/strong><\/h3>\n<p>\u0421\u043e\u0437\u0434\u0430\u0439\u0442\u0435 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u043d\u043e\u0433\u043e \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d\u0430:<\/p>\n<ol>\n<li>\u0424\u0435\u0434\u0435\u0440\u0430\u0442\u0438\u0432\u043d\u0430\u044f \u0446\u0435\u043f\u043e\u0447\u043a\u0430 \u0447\u0435\u0440\u043d\u044b\u0445 \u0441\u043f\u0438\u0441\u043a\u043e\u0432 PAN-\u043a\u0430\u0440\u0442 (\u0440\u0435\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u044f Hyperledger Fabric)<\/li>\n<li>IMPS mule account hotspot map \u0441\u0438\u043d\u0445\u0440\u043e\u043d\u0438\u0437\u0430\u0446\u0438\u044f \u0432 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u043c \u0432\u0440\u0435\u043c\u0435\u043d\u0438<br \/>\n3.\u0418\u043d\u0442\u0435\u0440\u0444\u0435\u0439\u0441 \u0432\u0430\u043b\u0438\u0434\u0430\u0446\u0438\u0438 \u0441\u0443\u0431\u043a\u0440\u043e\u0441\u0441\u0430 CIBIL<\/li>\n<\/ol>\n<p>\u0421\u0440\u0435\u0434\u0438 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u043e\u0432.<\/p>\n<pre><code class=\"language-plaintext\">SBI \u2192 Yes Bank \u2192 NPCI Switch \u2192 Razorpay \u2192 Paytm <br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>13. \u0421\u043f\u0440\u0430\u0432\u043e\u0447\u043d\u0438\u043a \u043f\u043e \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u044f\u043c \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u043d\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430<\/strong><\/h3>\n<h4>\u041f\u0440\u0438\u043c\u0435\u04401: \u0430\u0442\u0430\u043a\u0430 \u0441 \u043f\u0435\u0440\u0435\u0445\u0432\u0430\u0442\u043e\u043c \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0430 PG<\/h4>\n<p>\u2705 \u041d\u0435\u043c\u0435\u0434\u043b\u0435\u043d\u043d\u044b\u0435 \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u044f.<br \/>\n-\u0412\u044b\u0437\u043e\u0432\u0438\u0442\u0435 API CyberCell \u0434\u043b\u044f \u0437\u0430\u043c\u043e\u0440\u0430\u0436\u0438\u0432\u0430\u043d\u0438\u044f \u0441\u0447\u0435\u0442\u043e\u0432 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u043e\u0432<br \/>\n-\u041f\u0435\u0440\u0435\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435 \u043d\u0430 \u0430\u043b\u044c\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u043d\u044b\u0439 \u043a\u0430\u043d\u0430\u043b, \u0441\u0435\u0440\u0442\u0438\u0444\u0438\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u0434\u043b\u044f PCI<\/p>\n<h4>\u041f\u0440\u0438\u043c\u0435\u04402: \u0434\u0443\u0431\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0434\u0435\u0431\u0435\u0442\u043e\u0432\u044b\u0445 \u0441\u0443\u043c\u043c \u0432 Bharat BillPay<\/h4>\n<p>\u2705 \u041f\u0440\u043e\u0446\u0435\u0441\u0441.<br \/>\n1. \u0438\u043d\u0441\u0442\u0440\u0443\u043a\u0446\u0438\u0438 \u043f\u043e \u043e\u0442\u043a\u0430\u0442\u0443 \u0441\u0438\u0441\u0442\u0435\u043c\u044b BBPOS<br \/>\n2. \u041f\u0440\u0438\u043e\u0440\u0438\u0442\u0435\u0442\u043d\u043e\u0435 \u0443\u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0432 \u0440\u0430\u043c\u043a\u0430\u0445 \u043e\u043a\u043d\u0430 \u0441\u043f\u043e\u0440\u043e\u0432 NPCI<br \/>\n3. \u0430\u0432\u0442\u043e\u0432\u043e\u0437\u0432\u0440\u0430\u0442 + \u0440\u0430\u0441\u0447\u0435\u0442 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043e\u0432 \u043a\u043e\u043c\u043f\u0435\u043d\u0441\u0430\u0446\u0438\u0438<\/p>\n<h4>\u0421\u043b\u0443\u0447\u0430\u0439 3: \u043f\u043e\u0434\u0434\u0435\u043b\u043a\u0430 \u043e\u0442\u043f\u0435\u0447\u0430\u0442\u043a\u043e\u0432 \u043f\u0430\u043b\u044c\u0446\u0435\u0432 \u043f\u0440\u0438 \u043e\u043f\u043b\u0430\u0442\u0435 Aadhaar<\/h4>\n<p>\u2705 \u041f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 \u0440\u0435\u0430\u0433\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f.<br \/>\n-\u0417\u0430\u043f\u0443\u0441\u043a \u0431\u0438\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0441\u0435\u0440\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438 UIDAI 2-\u0433\u043e \u0443\u0440\u043e\u0432\u043d\u044f<br \/>\n-\u0422\u0440\u0438\u0433\u0433\u0435\u0440\u044b \u0440\u0435\u0432\u0430\u043b\u0438\u0434\u0430\u0446\u0438\u0438 CKYCR<\/p>\n<hr>\n<p>\u0420\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0438\u0438 \u043f\u043e \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f\u043c, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e \u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0438\u0442\u044c \u0438 \u0443\u0433\u043b\u0443\u0431\u0438\u0442\u044c:<br \/>\n\u2460 \u0420\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u0430 \u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u0441\u0442\u0440\u0435\u0441\u0441-\u0442\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0441\u0440\u0435\u0434\u044b UAT \u0434\u043b\u044f NPCI<br \/>\n\u2461 \u041e\u0446\u0435\u043d\u043a\u0430 \u0432\u043b\u0438\u044f\u043d\u0438\u044f \u043f\u043e\u043f\u0440\u0430\u0432\u043e\u043a \u043a \u0437\u0430\u043a\u043e\u043d\u0443 PSS \u043d\u0430 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u0440\u0438\u0441\u043a\u0430\u043c\u0438 \u043f\u0440\u0435\u0434\u043e\u043f\u043b\u0430\u0447\u0435\u043d\u043d\u044b\u0445 \u043a\u0430\u0440\u0442<br \/>\n\u2462 \u0418\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0435 \u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u0435 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