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The Federal Trade Commission filed an antitrust-related lawsuit against Intel Wednesday, accusing the chip maker of deliberately attempting hurt its competition and ultimately consumers. The landmark lawsuit alleges that Intel has deprived customers of choice by trying to slow down innovation among its rivals, and by keeping computer makers hooked with lucrative incentives for doing little business elsewhere.

Why is the FTC going after Intel now?

Intel’s allegedly anticompetitive practices have been in the news quite a bit lately, with “smoking gun” e-mails revealed in Europe’s antitrust lawsuit against Intel, the chip-maker’s settlement with underdog AMD, and New York Attorney General Andrew Cuomo’s antitrust lawsuit against Intel. Dan Olds, principal analyst for the Gabriel Consulting Group, says that, against this background, it didn’t look good for the FTC to sit on the sidelines, and that the commission will likely seek a fine from Intel. Jim McGregor, In-Stat’s chief technology strategist, also called the lawsuit a publicity move by the government.

Have consumers been paying too much for processors?

Illustration: Harry Campbell

If the FTC’s allegations are true, consumers actually have not been paying too much for their PCs, according to experts. Because Intel has been allegedly attempting to undercut the competition, the price of Intel PCs may have been artificially lowered.

This isn’t about pricing for consumers, says Leslie Fiering, Gartner’s research vice president. At issue is whether it’s illegal to provide discounts and other incentives in exchange for a certain amount of business. So you could argue that Intel’s practices saved end-user customers money by charging manufacturers less. Those savings were theoretically passed on to consumers.

From a macro perspective, you could argue that in the long run, Intel’s alleged anticompetitive behavior could stifle the competition (AMD) and thereby allow Intel to own the PC semiconductor market and start charging much higher prices. But that scenario has not played out yet, say experts.

So what have consumers lost, superior products?

One of those possibly hurt is nVidia with its Ion graphics mobile chip. We won’t know for sure until details emerge, but nVidia may possibly have been locked out of netbooks whose manufacturers stuck millions of mininotebooks with the Atom’s integrated graphics, which can’t deliver high-quality video and is not adequate for graphics-heavy games.

Do consumers stand to gain better products as a result of the lawsuit?

nVidia isn’t so pessimistic. It applauds the FTC’s lawsuit, saying that it’s necessary to prevent Intel from blocking competition in the emerging GPU marketplace.

How will this case impact AMD?

Graphic: Diego AguirreMcGregor said it’s too late for the feds to give AMD a boost, as the company recently settled antitrust and intellectual property lawsuits with Intel. Gartner analyst Fiering also noted that Intel’s success comes partly from being a manufacturing powerhouse. AMD is divesting from chip manufacturing, and the settlement allows AMD to use any contract chip maker. In theory, this lets the company focus on innovation and product development, but that has nothing to do with the FTC’s lawsuit.

PCWorld’s resident chip expert, Jason Cross, says never say never when it comes to AMD. The company has very good engineers, a leadership position in graphics technology, and a huge cash infusion from the recent Intel/AMD suit settlement. Plus, AMD is quickly divesting their chip manufacturing off to GlobalFoundries, which should help prevent AMD from bleeding red ink.

How long will this case take to play out? In the end, what do consumers stand to gain?

Olds and McGregor both think the suit has very little in it for consumers. Even if Intel had to make concessions on volume discounts to computer makers, chip prices, McGregor says, would still fall due to consumer expectations and competition from AMD.

Will we see more AMD systems?

McGregor says that’s already happened over the last couple of years, partly because of increased scrutiny of Intel from other nations and partly because AMD has offered good prices on CPU and GPU combinations. And it’s unlikely that consumers will be compensated directly as a result of the FTC’s lawsuit, since fines would probably be placed in a general government fund.

The real winners, Olds says, are the lawyers, who could work on these cases for the rest of their legal careers.

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Internet Archive Just Lost A Federal Lawsuit Against Big Book Publishers

Internet Archive, best known for a tool called the Wayback Machine, is also a massive non-profit digital library, free to everyone who creates an account with their email address. However, in 2023, it was sued by four corporate publishers over copyright issues, and in 2023, the non-profit organization asked a federal judge to put a stop to the lawsuit. Last week, the case came before US District Judge John Koeltl of New York, and on Friday, the federal judge ruled in favor of the publishers. 

At its heart, the dispute is around the way that the digital library lends books. Hachette Book Group, which comprises Hachette, HarperCollins, Penguin, and Wiley, alleged that 127 books under their copyright were scanned and loaned out electronically without their permission. Internet Archive argues that this practice is fair use. 

Typically, public and academic libraries acquire books for their patrons by either buying the physical copies, or paying for ebook licenses through so-called aggregators like OverDrive. Each publisher has a slightly different profit model when it comes to licensing. But in summary, all of them are fairly lucrative. “For example, library ebook licenses generate around $59 million per year for Penguin. Between 2023 and 2023, HarperCollins earned $46.91 million from the American library ebook market,” according to a court filing on the case. 

[Related: A copyright lawsuit threatens to kill free access to Internet Archive’s library of books]

Internet Archive mostly employed a practice called Controlled Digital Lending, where it first purchases a hard copy of a book, and scans it to make an ebook. Controlled Digital Lending works so that if the library owns one physical copy of a book, it can lend the digital version out to one user at a time, and if it owns four physical copies, then it can lend out four digital copies. Internet Archive uses software to ensure that users cannot copy or view the copies after the loan period. 

But, it temporarily suspended this policy during the COVID-19 lockdowns in order to implement a “National Emergency Library.” With the Emergency Library in place from March to June 2023, that policy was relaxed. As a result, many readers were allowed to borrow the same book simultaneously. And this appears to be the key issue that is swaying the judge to the publishers’ side, NPR reported. Reuters reported that Koeltl honed in on the question of “whether the library has the right to reproduce the book that it otherwise has the right to possess.”

Internet Archive doesn’t dispute that it copied the publishers’ works without permission. But its argument is that the doctrine of fair use “allows some unauthorized uses of copyrighted works,” granted that it aligns with the copyright law’s original purpose, which is to “promote the Progress of Science and useful Arts,” according to the court filing. Fair use exemptions in court can be complicated and are considered on a case-to-case basis, since many factors like the effect on the market, the transformation on the original, and the purpose of use need to be accounted for. And ultimately, the judge ruled that “each enumerated fair use factor favors the Publishers.”

Based on the ruling, Internet Archive can still distribute books in its collection that are public domain. “It also may use its scans of the Works in Suit, or other works in its collection, in a manner consistent with the uses deemed to be fair in Google Books and HathiTrust,” the filing stated. “What fair use does not allow, however, is the mass reproduction and distribution of complete copyrighted works in a way that does not transform those works and that creates directly competing substitutes for the originals.”

In a statement, Internet Archive said that it planned to appeal the judgment. “This decision impacts libraries across the US who rely on controlled digital lending to connect their patrons with books online,” Chris Freeland, the director of Open Libraries at Internet Archive, wrote in a blog post. “It hurts authors by saying that unfair licensing models are the only way their books can be read online.” 

Additionally, in its petition site’s FAQ, Internet Archive noted that the ruling has the potential not only to impact how libraries work, but also on preserving content against the threat of censorship. “Most digital books can only be licensed, meaning there is effectively only one copy of a digital book and it can be edited or deleted at any time with zero transparency,” the site stated. “In this scenario, profit-motivated big publishing shareholders for companies like Newscorp, Amazon, and Disney are in control of whether a book is censored or not.” 

Epic Games Ceo Says The Company Spent Months Preparing For Its Lawsuit Against Apple

Epic Games currently finds itself locked in a legal battle with both Apple and Google. And that was by choice. While it was rumored, and expected, to be the case right from the start, the CEO of Epic Games has confirmed it was a planned, and well-organized, effort to try and change Apple’s and Google’s digital storefronts.

CNN Business spoke with Epic Games’ CEO, Tim Sweeney, to get the lowdown on the situation between the company and Apple and Google. Sweeney is never one to mince words, and that remains the case here. While he does say that his legal battle is with Google, too, he doesn’t shy away from saying he’s particularly aiming at Apple.

Epic’s frustration with Apple especially, and Google to some extent, had been building up for at least three years. Ever since Fortnite grew to have a large audience, we felt stifled by several things.

So, as Fortnite, the mega-popular battle royale game grew in popularity (and earned Epic Games more money), the company grew tired of giving any of that money to other companies. Makes sense! And, as a result of that, a plan was set in motion. So much so, in fact, that Epic Games actually had an internal name for the effort: “Project Liberty”.

Sweeney confirms in this interview what many had suspected right out of the gate: this was all a plan, right from the start. You see, Epic Games added the ability for Fortnite players to pay Epic Games directly, avoiding Apple’s first-party payment system. That goes against Apple’s App Store rules and Epic Games was fully aware of that. But they did it anyway. And basically right after Apple pulled the game from the digital storefront, Epic launched its lawsuit.

Sweeney says the company “spent months” preparing the whole thing, from the lawsuit, to the planned in-app purchases, to even the marketing effort that launched soon after, too. That included an ad similar to Apple’s original “1984” marketing push from many years ago (which you can watch in the timeline below).

But, while this appears to be an argument against Apple’s (and Google’s) built-in fees, Sweeney has said it’s more than that, both in the past and in this interview:

I grew up in a time in which anybody could make software. This is my first computer, an Apple II,” said Sweeney, gesturing towards the iconic blocky, grey machine on the desk behind him. “You turn it on and it comes up with a programming language prompt,” he continued. “So I felt all along that open platforms are the key to free markets and the future of computing.

It’s not a secret, either, that Epic Games is struggling, at least somewhat, in these legal battles. While it’s technically possible for Android users to keep playing Fortnite, even without the game being available in the mobile OS’s storefront, that’s not the case for iOS users. And, as Apple and Epic Games have confirmed in the past, that was raking in millions of dollars for Epic thanks to in-app purchases. But, Sweeney says the battle is worth it, and doesn’t plan on backing down anytime soon.

[The companies] will just do that industry by industry and app category by app category until they’ve gobbled up everything that matters. And who will be left?” said Sweeney. “A million indie developers who collectively together make a small percentage of revenues on the app store because these businesses are too small to be attractive to steal.

The full interview is worth a read. It also includes some additional background on Sweeney himself.

You can check out the timeline of events so far in the Apple vs Epic Games battle below.

The timeline August 13, 2023

Epic Games updates Fortnite on the


, bypassing the App Store review


. It adds a direct payment option, breaking another rule in the



Apple removes Fortnite from the App Store due to

Epic Games

breaking the App Store rules.

Epic Games launches a media blitz, and it also sues Apple for anti-competitive behavior.

Epic launches “Nineteen Eighty-Fortnite”, a parody video of Apple’s original “1984” ad:

Google removes Fortnite from the Play Store, as Epic Games also violated the Play Store’s rules.

Epic sues Google, too.

Spotify weighs in! Unsurprisingly, it applauds Epic Games for its


to stand up against Apple.

August 14, 2023

Facebook says Apple’s

App Store

fees make it impossible to help

small businesses

impacted by the coronavirus pandemic.

August 17, 2023

Apple threatens to revoke Epic Games’


accounts for not only


, but also


. That cut-off is set to take place on Friday, August 28, 2023.

August 18, 2023

Apple issues an official statement on the matter in


to Epic Games.

Epic Games is revealed to have sought a coalition of “Apple critics” to help fight against Apple.

August 20, 2023

The Wall Street Journal and other news publications sign an open letter asking for Apple to reduce its

App Store

fees down to a standard 15%.

August 21, 2023

Epic Games promotes the #FreeFortnite Cup, or


, that is meant to bring even more attention against Apple, and is promoting “anti-Apple” prizes.

Epic sought special treatment for Fortnite before it declared war against Apple and the App Store’s guidelines.

August 24, 2023

Judge Gonzalez-Rogers rules that Apple does not need to reinstate Fortnite back into the App Store as the legal battle wages on. The judge also rules that Apple cannot revoke the Unreal Engine


tools, but it can still move forward with removing Epic’s developer account for


and macOS.

Apple says it agrees with the ruling made by Judge Gonzalez-Rogers, and is prepared to welcome Fortnite back onto iOS as soon as Epic Games is ready to follow the App Store guidelines.

August 26, 2023

Epic confirms that the new season of Fortnite, which is Marvel-themed, will not be available on iOS or Mac. Cross-platform functionality with those


is also removed.

August 28, 2023

Epic lets Fortnite players know in an email that it’s Apple’s fault they can’t


the new season of the game.

Apple revokes Epic Games’ App Store and developer accounts.

September 8, 2023

Apple countersues Epic Games in what it claims is a “breach of contract” related to its App Store practices.

September 9, 2023

Epic Games says Apple is going to disable the “Sign in with Apple”


as soon as Friday, September 11.

Apple changes its mind regarding “Sign in with Apple”, allows existing


to keep using it.

September 10, 2023 September 18, 2023

Epic Games shuts down Fortnite: Save the World for Mac as of September 23.

September 24, 2023

Epic Games, Spotify, Tile, and other


create the “Coalition for App Fairness” to take on Apple’s and Google’s digital storefront policies.

September 28, 2023

U.S. District Judge Yvonne Gonzalez Rogers says the public’s opinion regarding the legal battle between Apple and Epic Games should be considered, suggests a jury should be involved.

October 7, 2023

Judge rules that the court battle between Apple and Epic Games will resume in May 2023.

November 5, 2023

Fortnite returns to iOS thanks to GeForce Now game

streaming service

, and only available via Safari.

December 17, 2023

Judge orders both Tim


and Craig Federighi to testify in the legal battle between Apple and Epic Games.

December 21, 2023

Epic Games sends out “Free Fortnite” loot boxes to influencers, trying to drum up support

January 14, 2023

Epic Games expands its legal battle with Apple and Google to the United Kingdom

February 1, 2023

Apple’s CEO, Tim Cook, is ordered to sit through a 7-hour deposition

Faq: Ios 14 Checkra1N Jailbreak

The checkra1n jailbreak recently picked up support for iOS 14 on devices equipped with Apple’s A8-A9X processors, but as many noticed on the night this happened, the checkra1n team also elucidated on how it would take more time to add support for A10 and A10X devices and that they weren’t even sure if they would be able to add support for A11-equipped devices like the iPhone 8, 8 Plus, and X.

Given the rather unexpected and uncertain circumstances, we’re sure there are a lot of questions about the checkra1n jailbreak and when or if it will receive updates to support newer devices. With that in mind, we wanted to take a moment to deliver an FAQ-style post that would discuss many of the most common questions and the best answers for those questions that we have at the time of this writing.

iOS 14 checkra1n jailbreak FAQ

Here’s a brief overview of everything you should know about the current circumstances surrounding checkra1n’s iOS & iPadOS 14 compatibility:

What devices does checkra1n support on iOS 14?

At the time of this writing, checkra1n v0.11.0 supports A8, A8X, A9, and A9X devices running Apple’s iOS & iPadOS 14 operating systems. Update: checkra1n can now jailbreak all A8, A8X, A9, A9X, A10, A10X, and A11 devices running iOS or iPadOS 14, however there’s a catch for A11 devices, as you won’t be able to use a passcode on these devices if jailbroken.

What devices does checkra1n not support on iOS 14?

At this time of this writing, checkra1n v0.11.0 does not support A10-A11 devices running Apple’s iOS & iPadOS 14 operating systems. Update: checkra1n now supports all A8-A11 devices running iOS or iPadOS 14.

Will the checkra1n team ever add support for the above devices?

The checkra1n team said they to add support for A10 and A10X devices “in coming weeks,” but there is no concrete ETA for such support. Update: support for these devices is now available. The checkra1n team is needing to jump through extra hoops to make the jailbreak work on A10 and newer devices because Apple implemented new a security mitigation to SEPOS that makes it substantially more difficult to achieve a jailbreak these handsets. A known security vulnerability called blackbird, however, will allow the checkra1n team to work around this on devices equipped with A10 and A10X processors.

As for A11 devices like the iPhone 8, 8 Plus, and X, these devices utilize newer hardware with even tighter security. The checkra1n team isn’t entirely sure if they can get the jailbreak up and running on these devices anytime soon, but they won’t be giving up. In fact, they’ll be working around the clock to find ways around the upgraded security in the near future in an attempt to reestablish support for these devices. Unfortunately, A11 devices aren’t affected by the aforementioned blackbird security vulnerability, which leaves the hackers forced to start back at square one.

How do I jailbreak with checkra1n? I accidentally updated to iOS 14, what do I do now?

Assuming you have an A8-A9X device, you can jailbreak it with checkra1n right now. Unfortunately for everything else, Apple stopped signing the last iteration of iOS 13 earlier this week, which means official methods of downgrading your firmware are no longer viable. We’d recommend saving your SHSH blobs and remaining patient for a novel development.

Isn’t the checkra1n jailbreak supposed to be un-patchable?

The checkm8 bootrom exploit that powers the chreckra1n jailbreak is, in fact, un-patchable, but Apple’s iOS 14 update makes it more difficult to complete the process that checkra1n sets out to achieve on A10-A11 devices by adding security mitigations via SEPOS. More specifically, as the checkra1n team puts it, “if the device was booted from DFU mode and the Secure Enclave receives a request to decrypt user data, it will panic the device.” With that in mind, the checkra1n team will now need to consider burning SEPROM exploit(s) if they are to make checkm8 viable on A11 devices.

In short, the checkm8 bootrom exploit hasn’t been patched (and can’t be), Apple has just made it more difficult to apply it to certain devices. The checkra1n team will need time to develop a workaround.

How much longer before the iPhone 8, 8 Plus, and X can be jailbroken on iOS 14 with checkra1n?

This is a good question, and unfortunately, no one knows the answer. It could take a while to develop a workaround for Apple’s latest security mitigation, and there’s no telling how long that might take. Fortunately, we have very talented hackers at the forefront of the checkra1n team, so let’s keep our fingers crossed.

How does all of this impact the jailbreak community?

As long as you have an A8-A9X device at your disposal, the latest security mitigation won’t impact you at all and you can continue jailbreaking iOS 14 with checkra1n just as you did on iOS 13.

If you have an A10 or A10X device, you’ll simply need to wait a little longer (a few more weeks) to be able to jailbreak on iOS 14 as you were able to on iOS 13.

If you have an A11 device, then you should keep it on iOS 13 instead of upgrading for now. This ensures that you can jailbreak with checkra1n in the meantime until a workaround can be found for Apple’s new security mitigation. Alternatively, you can use another jailbreak like Odyssey or unc0ver.

What does the future of checkra1n hold?

From what we can gather, the checkra1n team has no intention of raising the white flag merely because Apple made things a little bit more difficult with iOS 14. Checkra1n team member Luca Todesco Tweeted just this afternoon that the team will “put in real effort to drop real research and development to keep it alive.”

It doesn’t seem like the checkra1n team will be going anywhere, and this certainly also applies to the jailbreak itself. Just because Apple made it more difficult to jailbreak certain devices running iOS 14 doesn’t mean that checkra1n will become any less relevant to the community or that it will suddenly disappear off the face of the Earth.

Should I ask the checkra1n team for ETAs?

Please don’t pester the checkra1n team with relentless ETA questions. Not only are they likely to be ignored to receive sarcastic responses, but they do nothing productive to help the team. For everyone’s sake, merely follow the checkra1n team and its members on Twitter to receive the latest updates and keep it tuned to iDownloadBlog for the latest news and tutorials.

What about A12 and newer devices on iOS 14?

The checkra1n jailbreak has never supported devices newer than the A11 variety, and it probably never will. This is because the jailbreak is based on a bootrom exploit that only impacts older hardware. Those using A12 and newer devices should wait for another jailbreak tool to receive iOS 14 support.

Although some iOS & iPadOS 14 users have hit rough water with the checkra1n jailbreak, that doesn’t mean that newer devices affected by the checkm8 exploit will be un-jailbreakable on iOS 14 forever. It’s entirely possible that someone from the checkra1n team will find a way around Apple’s latest security mitigation or that another jailbreak team might develop a tool for all devices before then.

In any case, we see regular jailbreak updates and releases throughout the year, and so I don’t expect that the community will be too horribly burned from the circumstances.


Apple may have made iOS and iPadOS 14 a bit more difficult to bust on certain devices, but we remain overtly optimistic about the situation. Our community is in good hands with the talented hackers that develop the jailbreaks we use every day, and there’s no shortage of exploits making their way to the pubic that may help push the community forward.

Lulz Boat Hacks Sony’s Harbor: Faq

The hacker group LulzSec made good on its recent promise to embarrass Sony by compromising the personal information of 1 million users of chúng tôi The latest Sony hack is another black eye for a company that only recently recovered from the hack against Sony Computer Entertainment’s PlayStation Network and Qriocity music service in April.

Here’s a breakdown of LulzSec’s latest hack, which the group is calling Sownage (Sony + Ownage).

How much user data was exposed?

LulzSec says its hack exposed user data for 1 million users; however, the hacker group did not have the computer resources to download all of the exposed material. Based on a summary of the exposed user data on LulzSec’s website, the group included the personal information for more than 51,000 users related to chúng tôi and another 600 users from Sony BMG Netherlands.

What kind of data was stolen?

LulzSec says it was able to expose passwords, e-mail addresses, home addresses, birthdates, and all Sony opt-in data associated with users’ accounts. In some cases, the exposed personal information included home telephone numbers. The Associated Press on Thursday contacted several users by telephone based on information included in LulzSec’s sample. The AP confirmed that at least some of the exposed information was genuine.

Where is this data now?

What should I do if I was hacked?

How was this hack done?

An SQL injection is when a hacker types code requesting data into a Web form instead of the data the site expects, such as a user name or password. If proper precautions are not taken, the code is able to execute and allow hackers to download the database information they requested.

Was the exposed data encrypted?

Who is LulzSec?

LulzSec (Lulz Security) is a hacker group (or possibly just one person) responsible for a number of recent intrusions into corporate servers. The group broke into a Sony site based in Japan, chúng tôi and the recent PBS hack that included posting a fake news item to chúng tôi proclaiming rapper Tupac Shakur was still alive.

As its name suggests, LulzSec claims to be interested in mocking and embarrassing companies by exposing security flaws rather than stealing data for criminal purposes. But that doesn’t mean others won’t capitalize on security flaws exposed by the online pranksters.

It sure looks that way with the recent Gmail hack that Google blames on China, the LulzSec break-ins, and a rash of other intrusions such as the RSA SecurID breach and the Sony PSN hack. But keep in mind that many of these intrusions are the result of companies and users failing to follow basic security measures.

With hackers becoming more emboldened to attack corporate sites, corporations need to do a better job of safeguarding user data. A good start would be to watch out for basic SQL injection techniques, encrypt databases filled with personal information, and provide an HTTPS connection for their users whenever possible. These three basic things would go a long way to thwarting the shenanigans of groups like LulzSec. You can never be 100 percent immune from intrusions, but that’s no excuse for failing to follow even the most basic security precautions.

Unified Payment Interface (Upi) – Faq, Recommended Apps

For all those who don’t know much about UPI, it is basically a system that brings multiple bank accounts into a single mobile application. Let us now take a look at the detailed overview on Unified Payments Interface (UPI).

All You Need To Know About UPI

Question: What is UPI?

Answer: As mentioned earlier, Unified Payments Interface or UPI is a system that powers multiple bank accounts into a single mobile application (of any of the bank participating in this scheme), merging several banking features, seamless fund routing & merchant payments under one hood.

Answer: UPI has the following benefits for the end customers :

It allows money transfer between any two bank accounts by using a smartphone.

It gives a Single Application for accessing different bank accounts.

Customer can pay directly from a bank account to different merchants without sharing the credit card details.

Customers can also raise complaints from Mobile App directly.

Question: What kind of transactions can be performed via UPI?

Answer: UPI Apps can be used for the following transactions :

Merchant Payments with a Single Application.

Utility Bill Payments, Over the Counter Payments, Barcode (Scan and Pay) based payments.

Donations, Collections and other Disbursements etc.

Question: Which Banks are currently participating in the UPI System?

Answer: Currently 30 banks are listed under the UPI system, some are listed as PSP & issuer, while some are listed as Issuer only.

Names of some of the banks listed under this scheme are as follows:

Andhra Bank

Axis Bank

Bank of Maharashtra


Punjab National Bank

UCO Bank

State Bank of India


Kotak Mahindra Bank

Bank of Baroda


Central Bank of India

Answer: Several Banks have launched there UPI Apps for Android, and the IOS versions will be out soon. Some of the recommended apps are as follows :

SBI has launched their UPI App today. (Android)

Punjab National Bank (Android)

Canara Bank (Android)

ICICI Bank (Android)

HDFC Bank (Android)

Axis Bank (Android)

UCO Bank (Android)

Also See: Complete List of Banks that are participating in UPI with their UPI Apps

Question: What is the procedure for Registration in these UPI enabled application?

Answer: Steps to register in these UPI apps are as follows:

Download the UPI application from Google Play Store / Bank’s website

Create your profile by entering details like name, virtual ID (payment address), password etc

Go to “Add/Link/Manage Bank Account” option and link the bank and account number with the virtual id

Select the bank account from which you want to initiate the transaction

You will receive an OTP from the concerned Bank

Now enter last 6 digits of Debit card number and expiry date

Enters OTP and your preferred numeric MPIN

Question: Does the customer need to have a bank account or this can be linked to a card or wallet?

Answer: No, customers cannot link a wallet to UPI, only bank accounts can be added.

Answer: Yes, you can use more than one UPI application on the same mobile and link both same as well as different accounts.

Question: What are the different channels for transferring funds using UPI?

Answer: The different channels for transferring funds using UPI are:

Transfer through Virtual ID

Account Number + IFSC

Mobile Number + MMID

Aadhar Number

Collect / Pull money basis Virtual ID

Answer: At present, the upper limit per UPI transaction is Rs. 1 Lakh.

Question: What happens if I forget my pin?

Answer: In case you forget your MPIN, you can re-generate a new MPIN using the UPI app you are using.

Answer: In case of change in sim/mobile/application of the PSP, customer would require to re-register themselves for UPI.

Question: In case my mobile is used by another person, will there be any security breach?

Answer: In any transaction through UPI, PIN would be required which needs to be fed through the mobile at the time of any transaction making it safe and secured.

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