印度国家支付公司 (NPCI), the umbrella 要么 ganisation for retail 工资ment system in India, has taken up the initiative of implementing ‘unified 工资ment interface’ to simplify 和 provide a single interface across all systems.
“The new interface is designed to enable all account holders to send 和 receive money from their smartphones with a single identifier – Aadhaar number, mobile number, virtual 工资ments address – without entering any bank account information,” NPCI said at a conference.
The unified 工资ment interface will make possible 工资ing 和 receiving 工资ments as easy as swiping a phone book entry 和 making a call on mobile phone. Anyone who has an account should be able to send 和 receive money from their mobile phone with just an identifier without having any other bank/account details.
“This unified layer, which offers next generation peer-to-peer immediate 工资ment just by using personal phone, uses existing systems such as IMPS, AEPS, to ensure settlement across accounts. The usages of existing systems ensure reliability of 工资ment transactions across various channels,” said A P Hota, MD & CEO, NPCI.
UPI is a standardized, innovative, adoptable, secure 和 cost-effective interface. Once formulated, the standardised API, designed for enabling different forms of 工资ment beneficial for mobile application, 和 other channels, can be integrated into the NPCI infrastructure.
UPI可以使用个人移动设备来"pay"某人（推）以及"collect" from someone (pull). User can pre-authorise multiple recurring 工资ments similar to ECS (utilities, school fees, subscriptions, etc.) with a one-time secure authentication 和 rule based access. All 工资ment system players to use a standard set of APIs for any-to-any push 和 pull 工资ments.
另外，使用"虚拟付款地址" that are "aliases"提供可能的收款人/金额/时间限制的帐户，以提供进一步的安全功能。它具有PSP提供的移动应用程序的功能，该应用程序允许使用密码，密码或生物识别等凭据（在电话上）使用任意数量的虚拟地址从任何帐户付款。