QR CODE LEH E-PAYMENT

Eng nge QR?: Kum 1960 chhovah khan Japan ram chu economic-ah nasa takin a ṭhang a, ram hrang hrangah bungrua leh thawmhnaw tam tak a thawn chhuak reng a, uluk taka thiltih a ngai bawk nen thawn chhuah tur siamfel hna thawktute an hah thei em em a. Chutih lai chuan barcodes hman ṭhin niin - scan dan hawi zawng (one direction/ dimension) nei a nih bakah a tih theih a tlem avangin duh ang taka hman ṭangkai theih a ni lo.

Denso Wave-a Chief Engineer, Masahiro Hara chuan an hnathawk chhun thingpui in chawlh an neih laia a ṭhiante game khel (mum dum leh var awmze nei taka board-a remkhawm) a hmuh aṭangin thuruk thukrutu ṭha zawk, en leh hmuh/ chhiar/ scan awlsam bawk si a ngaihtuah chhuak a. Ngaihtuahna chu a takah chantira awmin kum 1994 khan hman theih turin chhawpchhuah a ni a; a hmingah Quick Response (QR) vuah a ni. Barcode aiin hriatruk/ thuruk (information) theih 200 laiin a tam zawk a ni. Japan mai bakah khawvel pumah hman ṭangkai a lo ni ta a, kum 2000 khan ISO-in a certify-a, Japan rama sem ṭhin Media for Industry huangah Good Design Award kum 2012 khan a dawng bawk. https://www.qrcode.com/en/hist...

Cashless: Sawrkar laipui chuan India hmalam hun tur ngun takin a ngaihtuah a, mipuite chu khawl thil (digitally empowered) hman thiam kawngah leh sum leh pai dinhmun chawikan kawnga hriatna hriam tak nei turin hma a la a. Digital India hmalakna pawimawh tak pakhat chu “Hmel inhmu lova chinfel, lehkha hman loh, pawisa fai hman tlem” (faceless, paperless, cashless) a ni. Pawisa fai hmang tlem tial tial tur hian pawisa inthawnna/ inpekna kawnga awlsamna chi hrang hrang a ruahman a. Chung zinga pakhat chu a chunga kan sawi tak QR hi a ni. http://cashlessindia.gov.in/di...

A siamtu chuan a thilsiam (QR) chu pawisa lengvel thilah hman a ni ang tih a ring bik lo va, ‘a mak ka ti takzet a ni’ a tih bakah mipui himna leh hriselna kawnga hman ṭangkai a ni tih a hriat phei chuan ‘sumdawnna thil ngaihtuah vanga siam ni si thil dangah ṭangkai taka hman a ni hi a lawmawm hle mai’ a ti hial.

Kum 2022 kan hman mekah (FY) hian sum faia inpe lova pawisa kan hman/chettir hi 239 billion Indian rupees zet niin Statista.com chuan a tarlang. https://www.statista.com/stati...

China ramah khian ni khat thil thuah ringawt pawh sumfai hmang lova sum chetvelna atan QR hi vawi 1.8bn an hmang anga chhut a ni. https://www.theguardian.com/te...

Kan dinhmun: Sawrkar laipui hian mipuite hi digital/cashless payment hi min hman uar tir a tum ruh hle niin a lang. Reserve Bank of India pawhin Payments Vision 2025 duangin, a core theme pawh ‘E-payment for Everyone, Everywhere, Everytime (4 Es) a ni. E-payment hi a lo awlsamin, pawisa pai loh palh emaw, a nawi neih loh emaw pawisa chhia emaw a awm ve lo a, uar telh telh pawh hi thil ṭha leh remchang tak a ni.

National Payments Corporation of India (NPCI) in a tarlan danin October 2022 thleng khan India ramah awlsam taka pawisa khawih chet vel theihna hmarua - Unified Payments Interface/ Live Banks 365, Immediate Payment Service/Member Banks 666, National Automated Clearing House/NACH Credit 1,346, Aadhaar Enabled Payment System/ Live Entities 138, National Financial Switch/NFS Member Banks 1,229, Rupay/Live Banks 1,243, Bharat Billpay 64 a awm a ni.

Mizoramah hian Covid19 len hma khan e-payment hi kan la hmang tam lo em em a, mi ṭhenkhat chuan an ring ngam tawk lo niin a lang. Dawr lian leh changkang tak takah pawh e-payment hman remchang lo a awm nual a, tun dinhmunah pawh remti chiah lo pawh an la awm. Tun hnuah erawh chuan state dang ngaihtuahin sang lo mah ila kan uar ve telh telh niin a lang. Taxi-ah te, Petrol Pump-ah te, restaurant, dawrte leh chawhmeh zuar, second hand zuar te pawhin awlsamna min siam hi a chhawrtu chu mipuite leh a neitute an ni.

Fimkhurna tur: Kan sawi tak angin e-payment kawng pawimawh tak pakhat, hman lar bawk si chu QR Code a ni. Bank account kimchang kha scan theih tura QR code-a siam (generate) niin, a mamawhtuten awlsam taka an scan theih turin print/ tar emaw mahni cell phone emaw-ah dahṭhat a ni ṭhin. Sumdawnna thila hman a nih hian account neitu, pawisa a lut em tih en theitu kha QR Code scan laia awm ve a nih loh hian fimkhur a ngai hle.

Ka tawnhriat ve chu, dawr nghaktu ṭhenkhat hi bank account chet vel dan khawihtu ber an ni lo fo va. Scan tur an dah kha kan scan hian a lut (success) tih entir hi an duhtawk mai niin a lang, chutah tak chuan fimkhurna tur a awm ta a ni.

QR Code kan scan zuai khan a account neitu hming a lo lang a, chumi chu a ni maw tiin sawi ila, dawr neitute QR code kan scan tak aṭanga let lehin keimahni phone gallery-a kan dahṭhat khiau kan chhungte emaw ṭhiante emaw bank account dang kan neih QR code siam (generate) sa kha zu thlan chhuahin, chumi (dawr neitu ni lo) bank account-ah khan kan thawn lut daih thei a, a lut (success) tih phone hmai ami kha dawr nghaktute hmuhtirin ngaihṭha deuhin an awm thei a ni. Dawrtu tamna deuh hmunah phei chuan e-payment titu tur kha intlar a, hmanhmawh deuha inpek te a ngai ṭhin bawk si a.

He thil hi kan buaina tawh langsar a la ni lo va, nakin huna kan harsatna awm thei tur nia ngaih a nih avangin fimkhurna tura kan inbuatsaih theih nana ziah a ni. Tin, sual/ ṭha lo ti tura inkawhhmuhna kawng ni lovin, fimkhurna tur thil a ni. Thiamna a san hian sual ti duhtute finna hi a sang ve zel a, keimahni lam pawh invengin kan inzir fin ve telh telh a ngai. Awlsamna min siamtu tam tak hian buaina/ harsatna a thlen ve theih tho avangin kan naute emaw kan thawhpuite emaw kha bank account check theitu an ni chiah lo a nih pawhin a check theitu zawt zel tura zirtirna peka hrilh ṭhinte pawh a ṭha.

Tun hnaiah e-payment buai­puitu ṭhenkhat hian bank account neitu kher ni lo, hnathawk­tute pawhin a lut ngei a ni tih en (check) theihna an siam niin an sawi a, tak tak a nih chuan a ṭha dawn khawp mai. E-payment hmang nasa deuh chuan ngaihven ni se a duhawm hle ang.

- Zonunmawia Fanai