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How do card payments work?

Here's how card payments work, in a nutshell. Phrases highlighted in black are key entities and actions.There exists a merchant, who holds a merchant account identified by a merchant ID (MID) with a bank (called an acquiring bank), who is offering a product, for sale at some price, that is listed on a website, that is operated by a marketplace (or the website could be operated by the merchant themselves if they have the technical knowhow. Also alternatively- the marketplace may hold a merchant account with the acquiring bank instead of the merchant).A buyer, holding a credit/debit card issued by a bank (called an issuing bank) and branded by some network scheme (such as Visa, Mastercard, American Express, etc) who wishes to buy this product they've discovered on this website initiates a checkout process by supplying some personal data (name, email, phone, shipping details, billing details, etc).The marketplace then initiates the creation of an order, at which point the price is determined and frozen. The marketplace presents a secure card form to the buyer where they can enter their card details.The card details are submitted to the marketplace or merchant's server (presuming the merchant follows card scheme compliances. Alternatively, the card details can be submitted directly to the payment gateway depending on how the integration is implemented). The merchant's server validates the card number for a "Luhn check" to ensure the cardholder did not mistype a digit. The card details are submitted to a payment gateway.The payment gateway (or sometimes, the merchant/marketplace can also do this directly) enquires with the card network scheme's directory server (Visa Directory Server / Mastercard Directory Server) to check whether the issuer of the card and the card holder are enrolled under the 3D-secure (2-factor authentication) programme. The directory server uses the first 6 digits of the card to identify the issuer (this is called the BIN or ISIN number and is issued by the card networks when they are onboarding a new issuer) and determine their participation in the 3D secure programme. If the server discovers that the issuer is a participant, then the server responds to the gateway with a link to the issuer's access control server (ACS URL). This process is called enrolment verification.The gateway redirects the buyer's browser to this ACS URL along with some data derived from the card that's used by the issuer to identify the cardholder and also a termination URL (whose use you will come to in a bit). The page that the buyer sees now is the page that they enter the OTP on. The issuer sends the OTP to the phone number listed in their records for this buyer. The OTP is entered on this page and submitted to the issuer. The issuer checks whether the OTP entered is the same as the one sent and thus validates that the person in question is indeed the person who owns the card (since they have access to the registered phone number). The issuer then redirects the buyer to the termination URL we discussed earlier in this paragraph along with some data that indicates whether or not the buyer was authenticated. This step is called payer authentication. (Some issuers allow their users to use a memorized password instead of an OTP). The gateway (or merchant or marketplace) receives the authentication data from the previous step and is able to decide whether or not to proceed.If the gateway chooses to proceed, then the gateway submits the transaction to the network schemes for authorization via a highly available and secure financial telecom network (Visa's is called VisaNet and Mastercard's is called BankNet) using the ISO 8583 protocol. The authorization request is routed to the card issuer who decides whether or not they can permit the cardholder's account to be debited with the amount requested (they may decline for any number of reasons- such as an insufficient balance, suspected fraud, etc). If the permission is granted, an authorization is issued and sent back to the gateway. Note that the funds are not debited yet- but they are blocked on the cardholder's account and these funds cannot, in general, be used by the cardholder for any other purpose unless the authorization is captured or it expires (a void). The gateway then intimates the marketplace that permission has been granted and the marketplace or merchant confirm the order.Once the order is shipped (or otherwise fulfilled in whatever way appropriate by the merchant), the marketplace requests the gateway to capture the authorization (this goes back through the financial telecom networks as earlier). The blocked funds are then debited at this time from the buyer's account.Steps 5 and 6 are optional for card processing in most of the world, but legally required in certain jurisdictions (such as India).I've only covered this at a very high level and I've not gone into operational complexities, chargeback, settlement, PCI compliance, legal and regulatory compliance, etc. Also- each step I've explained above is much more complex than I've expressed.

What if my college is listed in World Directory of Medical Schools but doesn't have accreditation, can I still give USMLE?

Requirements for CertificationTo be eligible for certification by ECFMG, an international medical graduate (IMG) must meet the following requirements.Medical School RequirementsThe physician’s medical school must meet requirements established by ECFMG. Schools that meet all requirements will be listed in the World Directory of Medical Schools as meeting eligibility requirements for their students and graduates to apply to ECFMG for ECFMG Certification and examination. To confirm that your medical school meets ECFMG’s requirements, access the World Directory at www.wdoms.org. Medical schools that meet ECFMG’s requirements will have an ECFMG note stating this in the schools’ World Directory listing. The ECFMG note also will include the graduation years for which the school meets these requirements. Since ECFMG is a sponsor of the World Directory, the ECFMG note is located on the “Sponsor Notes” tab of the medical school listing. If there is no ECFMG note on the Sponsor Notes tab of your medical school’s listing, you are not eligible to apply to ECFMG for ECFMG Certification and examination. For tips, see the quick guide on how to confirm that a medical school meets eligibility requirements.Important Note: Beginning in 2023, individuals will be eligible to apply for ECFMG Certification—the first step in the certification process—and take the required examinations if, at the time of application, their medical school is appropriately accredited. More specifically, the school must be accredited by an accrediting agency that is officially recognized by the World Federation for Medical Education (WFME) through its Programme for Recognition of Accrediting Agencies. Further details regarding the 2023 Medical School Accreditation Requirement, including eligibility guidelines, are available on the ECFMG website at http://www.ecfmg.org/accreditation. International medical students and graduates interested in ECFMG Certification should monitor the ECFMG website for the latest information.Application for ECFMG CertificationInternational medical students/graduates who wish to pursue ECFMG Certification must submit an Application for ECFMG Certification. The Application for ECFMG Certification consists of an on-line application and the Certification of Identification Form (Form 186) available through ECFMG's Interactive Web Applications (IWA). The Application for ECFMG Certification requires applicants to confirm their identity, contact information, and graduation from or enrollment in a medical school that is listed in the World Directory of Medical Schools (World Directory) as meeting eligibility requirements for its students and graduates to apply to ECFMG for ECFMG Certification and examination. As part of the application, international medical students/graduates must also confirm their understanding of the purpose of ECFMG Certification and release certain legal claims.Examination RequirementsTo meet the examination requirements for ECFMG Certification, an IMG must:1. Satisfy the medical science examination requirement. USMLE Step 1 and Step 2 Clinical Knowledge (CK) are the exams currently administered that satisfy this requirement.2. Satisfy the clinical skills requirement. USMLE Step 2 Clinical Skills (CS) is the exam currently administered that satisfies this requirement.ECFMG has established time limits for completing the examinations for ECFMG Certification. For detailed information, including information on time limits and using a passing performance on former exams to satisfy these requirements, see Examinations for ECFMG Certification in the ECFMG Information Booklet.Medical Education Credential RequirementsThe physician’s graduation year must be included in the ECFMG note in the medical school's World Directory listing. See Medical School Requirements above. International medical graduates must have been awarded credit for at least four credit years (academic years for which credit has been given toward completion of the medical curriculum) by a medical school that is listed in the World Directory as meeting ECFMG eligibility requirements. There are restrictions on credits transferred to the medical school that awards an applicant’s medical degree that can be used to meet this requirement.Applicants must document the completion of all requirements for, and receipt of, the final medical diploma. See the Reference Guide for Medical Education Credentials for the exact title of the final medical diploma you must have earned (and must provide). ECFMG verifies every applicant’s medical school diploma with the appropriate officials of the medical school that issued the diploma and requests that the medical school provide the final medical school transcript. Verification by ECFMG with the issuing school may also be required for transcripts that are submitted to document transferred credits. For more information, see Medical Education Credentials in the ECFMG Information Booklet.

What are the documents required for passport verification and the process of verification?

The first step is to visit the link below.https://portal2.passportindia.gov.in/AppOnlineProject/welcomeLinkPlease create a profile using new user registration.Apply for fresh passport and duly fill the online forms (refer to a recent YouTube video on how to fill application form online to avoid errors)Pay online and schedule an appointment at your nearest passport seva kendra (PSK)Online Payment will remain valid for one year from the first appointment date. The paid fee will be forfeited if applicants do not submit application at PSK/RPO within this period.Documents are verified for mainly 2 purposes (for a fresh passport).Proof of Date of Birth (DOB)Note:Documents mentioned in point 4 to 8 are acceptable as proof of Date of Birth only if it has the precise Date of Birth of the applicant.List of acceptable documents:Birth Certificate issued by the Registrar of Births and Deaths or the Municipal Corporation or any other prescribed authority,whosoever has been empowered under the Registration of Birth and Deaths Act, 1969 to register the birth of a child born in IndiaTransfer/School leaving/Matriculation Certificate issued by the school last attended/recognised educational boardPolicy Bond issued by the Public Life Insurance Corporations/Companies having the DOB of the holder of the insurance policyCopy of an extract of the service record of the applicant (only in respect of Government servants) or the Pay Pension Order (in respect of retired Government Servants), duly attested/certified by the officer/in-charge of the Administration of the concerned Ministry/Department of the applicantAadhaar Card/E-AadhaarElection Photo Identity Card (EPIC) issued by the Election Commission of IndiaPAN Card issued by the Income Tax DepartmentDriving License issued by the Transport department of concerned state GovernmentA declaration given by the Head of the Orphanage/Child Care Home on their official letter head of the organization confirming the DOB of the applicantProof of AddressNote:Applicants are required to submit the proof of address of the present address only, irrespective of the date from which he/she has been residing at the given address.Furnishing of Aadhaar card will expedite processing of passport applications.Aadhaar letter/card or the e-Aadhaar (an electronically generated letter from the website of UIDAI), as the case may be, will be accepted as Proof of Address (POA) and Proof of Photo-Identity (POI) for availing passport related services. Acceptance of Aadhaar as PoA and PoI would be subject to successful validation with Aadhaar database.(For Minor): For minor applicants, present address proof document in the name of parent(s) can be submitted.List of acceptable documents:Water BillTelephone (landline or post paid mobile bill)Electricity billIncome Tax Assessment OrderElection Commission Photo ID cardProof of Gas ConnectionCertificate from Employer of reputed companies on letter headSpouse's passport copy (First and last page including family details mentioning applicant's name as spouse of the passport holder), (provided the applicant's present address matches the address mentioned in the spouse's passport)Parent's passport copy, in case of minors(First and last page)Aadhaar CardRent AgreementPhoto Passbook of running Bank Account (Scheduled Public Sector Banks, Scheduled Private Sector Indian Banks and Regional Rural Banks only)For easier and faster verification of documents, please ensure your name, dob and present address are intact in your Aadhaar card.Please follow the below instructions for your appointment.Please reach 15 minutes before appointment time. Carry the printed copy of appointment receipt or show appointment details SMS at the counter.Check Document Advisor on website 'Passport Seva, Ministry of External Affairs, Government of India' to know the documents required. Carry original documents and their self-attested photocopies. Final decision with regard to documents required is at the discretion of RPO staff.In case of minor applicants (below 4 years of age), carry the recent passport size photograph (4.5 X 3.5 cm) with white background.Photograph will be captured at the Camp. However, applicants need to carry two recent coloured passport size (4.5 x 3.5 cm) photographs with a white background while visiting the Camp.Only applicant is allowed inside the Passport Office. However, in case of exceptions such as Senior Citizen / Physically Challenged / Illiterate / Minor applicants, one person from the family may be allowed to accompany the applicant.At PSK, a paper token will be issued to you after checking of documents. Your application will be processed at Counter A followed by counters B and C. At all stages, please be alert and watch the token display screens to know the counter at which your application will be processed. Please collect acknowledgement slip from the Exit counter before leaving. Also, you are requested to fill the feedback form at the exit counter.In case of Tatkaal application, balance service fee has to be paid inside Passport Office. Please collect the payment receipt from the counter after payment.Applicants applying under "TATKAAL" scheme may please note that their application processing at Passport Office may take approximately 2 hours due to additional verifications required before processing of such applications. Therefore, "TATKAAL" applicants are advised to plan their schedule accordingly.Keep your mobile in silent mode when inside Passport Office. Also, video / photography is not allowed inside.You can enrol for 'Passport Seva SMS Services' by clicking 'Enrol for SMS Services (Optional)' link available at 'Applicant Home' Page of the website. (50 Rs. will be charged)Balance fee (if applicable) after editing the submitted form will be payable at the Passport Office.Post completion of verification of documents at PSK, police verification will be initiated with your nearest police station (opted by you).Passport will be dispatched post successful completion of police verification.Thanks!!!

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