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BHIM app: All about going Cashless

The BHIM app was developed by NPCI on 30th December 2016 and later launched by PM Narendra Modi.

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BHIM app works across all bank accounts. Wikimedia commons
BHIM app works across all bank accounts. Wikimedia commons
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The act of demonetization by the government last year had simply made us stand on our heels. People were fighting their way out in the absence of hard cash and thus made us oblige to the digital platform.

BHIM app is one of the various digital money transfer app (application) which uses UPI (Unified Payments Interface). The app was developed by NPCI on 30th December 2016 and later launched by PM Narendra Modi. It aims towards bringing Financial inclusion and making us a digitally empowered society.

BHIM app is backed by the Government of India making it a more reliable cashless payment option (unlike PayTM). Pixabay
BHIM app is backed by the Government of India making it a more reliable cashless payment option (unlike PayTM). Pixabay

Here, we will help you to walk through the procedure involved in the better use of BHIM app.

How to download BHIM app

  • You can download and install BHIM from Google play store for Android and Apple store for IOS.
  • Select whichever language you prefer.
  • Select the mobile number which is registered with your bank.
  • Set a 4 digit password to log in.
  • Link a bank account.
  • Now, you need to set a UPI pin by providing the expiry date and last six digits of your debit card.
  • Your account is now registered and you are ready to go cashless.How to use BHIM without internet
  • You can dial *99# from your phone and you will be able to avail the same features of BHIM on your mobile.
  • *99# can also be used to register for BHIM.
BHIM app has three level authentication including device ID or mobile number, bank account and UPI pin, which makes it the most secure option. Pixabay
BHIM app has three level authentication including device ID or mobile number, bank account and UPI pin, which makes it the most secure option. Pixabay

Features of BHIM app

Send Money
With this feature, you can send money by scanning a QR code, combination of Account Number and IFSC by using Virtual Payment Address (VPA).

Request Money
This feature allows you to send a collect request by entering VPA. Also, through BHIM, you can transfer money using a Mobile that is registered with BHIM or *99#.

Scan and Pay
This feature allows you to pay by scanning the QR code.

Transactions
This one will show your transaction history. It shows pending UPI collection request, so you can approve or reject payments. Also, there is an option to report if a user wants to raise any complaint.

Profile
This option will help you to view the static QR code and Payment addresses that are created. The QR can be downloaded and also be shared through WhatsApp or Email.

Bank Account
This feature enables you to check the bank account (which is linked to BHIM). You can set or change your UPI pin or the bank account linked with BHIM App by clicking on ‘Change Account’. You can also check your account balance using this feature.

BHIM is not a wallet. It is a payments application which allows users to make instant bank transfers. Pixabay

Why should you use the BHIM app?

  • It works across all bank accounts.
  • You can access it without internet.
  • BHIM is backed by the Government of India making it a more reliable cashless payment option (unlike PayTM).
  • It has three level authentication including device ID or mobile number, bank account and UPI pin, which makes it the most secure option.
  • All in all, BHIM has turned out to be the safest and most reliable cashless payment option against competitors like Paytm.
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Copyright 2018 NewsGram

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Monitoring BP Through a Smartphone Application is Possible Now, Check it Out Here!

However, the app still needs to be validated in a standard regulatory test

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This iPhone app claims to accurately monitor BP. Pixabay

Researchers have developed a novel blood pressure (BP) application that can give accurate readings using an iPhone, without requiring any special equipment.

Developed by the Michigan State University researchers, the new “iPhone X” app measures BP via the ‘oscillometric finger pressing method’, or ‘peek and pop’ that enables users looking to open functions and apps with a simple push of their finger.

The user presses her fingertip on both the front camera and screen to increase the external pressure of the underlying artery, while the application measures the resulting variable-amplitude blood volume oscillations via the camera and applied pressure via the strain gauge array under the screen.

The application, featured in the journal Scientific Reports, also visually guides the fingertip placement and actuation and then computes BP from the measurements just like many automatic cuff devices.

When tested, along with a finger cuff device, against a standard cuff device, the app yield indicated that cuff-less and calibration-free BP monitoring may be feasible with many existing and forthcoming smartphones, the researchers said.

“By leveraging optical and force sensors already in smartphones for taking ‘selfies’ and employing ‘peek and pop’, we’ve invented a practical tool to keep tabs on blood pressure,” said lead author Ramakrishna Mukkamala, Professor at MSU.

BP
Representational image. (IANS)

“Such ubiquitous blood pressure monitoring may improve hypertension awareness and control rates, and thereby help reduce the incidence of cardiovascular disease and mortality,” he added.

If things keep moving along at the current pace, an app could be available in late 2019, Mukkamala said.

However, the app still needs to be validated in a standard regulatory test.

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“But because no additional hardware is needed, we believe that the app could reach the society faster,” he noted.

While high blood pressure is treatable with lifestyle changes and medication, only around 20 per cent of people with hypertension have their condition under control. This invention gives patients a convenient option and keeping a log of daily measurements would produce an accurate average. (IANS)