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Through this Answer Tokenisation issue will tried to be discussed.Tokenisation acts as an additional layer of security as it masks sensitive card data such as the 16-digit account number, expiry date and security code.However, the security level of the app and the customer’s mobile itself also needs to be taken into consideration, say experts.Nikhat Hetavkar ( Explained: How tokenisation is enabled, its impact on card transactions ) explains the whole idea of tokenisation, how it is enabled, its impact on card transactions and related security guidelines.RBI has permitted authorised card payment networks to offer card tokenisation services to consumers requesting it, in an effort to improve safety and security of card transactions.What are the basic tenets of tokenisation?Tokenisation acts as an additional layer of security as it masks sensitive card data such as the 16-digit account number, expiry date and security code.It creates a set of numbers called ‘token’, which is used to substitute one's card information.This ensures one's card information is not disclosed to the website or merchant one is transacting with.Tokens can be device-specific, retailer-specific or even use case-specific.The RBI has specified that the ‘token’ needs to be unique for every combination of card, token requestor and device.What kind of transactions is it available for?Tokenisation is available for all type of card transactions including contactless transactions, in-app payments, QR code-based payments and token storage mechanisms.Tokenisation takes the security of a physical EMV (Europay, MasterCard, Visa) chip and applies it to non-card environments such as mobile, online and proximity payments.Payments experts said that tokenisation was a necessary step due to the rapidly growing mobile payments in the country and major card companies actively pushing contactless payments.Will tokenisation make card transactions more secure?Tokenisation will help to prevent fraud by offering financial institutions, merchants, and third party payment providers, such as digital wallet operators, a secure way to enable mobile and online payments without sharing sensitive account information.Tokens don’t carry the consumer’s primary account number, reducing risk in storing tokens on mobile devices, online merchants, and in cloud-based mobile apps.Connected devices and risk-based authentication would make it easier to detect frauds.Tokenisation also makes it more difficult for hackers to gain access to cardholder data.Earlier, card numbers were stored in databases and exchanged freely over networks.With tokenisation, the sensitive data of all kinds including bank transactions, loan applications, and stock trading are substituted with tokens.However, the security level of the app and the customer’s mobile itself also needs to be taken into consideration, say experts.How would this help the payments industry?Tokenisation could play a huge role in building customer comfort for the new forms of payments due to reduction in frauds, thus propelling digital payments.Tokenisation will generate greater daily use-cases for contactless payments and reduce hesitation in storing card information with mobile wallet apps.Customers have been wary of such transactions but tokenisation can help in overcoming this hesitation.How can a customer request for the facility?To enable tokenisation, a customer can use a third party (token requester) app such as the UPI app, a bank app or a mobile wallet app.At present, the facility shall be offered through mobile phones and tablets only.The central bank is expected to examine the extension to other devices based later.Tokenisation requires explicit consent on the part of the customer through additional factor of authentication.It cannot be undertaken by way of a forced or default or automatic selection of check box, radio button etc.Customers cannot be charged for availing the tokenisation service.Customers will have the option to register or deregister their card for a particular purpose and also the option to set and modify per transaction and daily transaction limit for such transactions.The customer shall be free to use any card registered with the token requestor app for performing a transaction.Tokens tied to lost or stolen mobile devices, can be instantly reissued - without the need to change the consumer’s primary account number or reissue the plastic card.Who is responsible for the security of tokenised transactions?The central bank has placed the ultimate responsibility for the card tokenisation services rendered on the authorised card networks.Adequate safeguards shall be put in place to ensure that the primary account number cannot be found out from the token and vice versa by anyone except the card network.Actual card data, token and other relevant details shall be stored in a secure mode.Token requestors shall not store PAN or any other card detail.Card networks shall also get the token requestor, card issuers or acquirers, their service providers and any other entity involved in the payment transaction chain, certified for processing tokenised card transactions.#CopiedRead the below links for more infoSource:All you wanted to know about tokenisation and its impact on card transactions

OPEN WORK TYPE VISA NAME IS A CANADIAN VISA NOT USA;Requires Canada Labour Market Impact Assessment (LMIA) exemptions.it requires: an LMIA authorisationWhat is the US visa approved : H-1B ?I may perhaps understand your wife is waiting : An Employment Authorization Document (EAD), also known as a "work permit", is issued by United States Citizenship and Immigration Services (USCIS), allowing the holder to legally work in the United States. In order to obtain an EAD card, a foreign national must file form I-765, Application for Employment Authorization with the USCIS.Some foreign nationals who are temporarily in the U.S. may request employment authorization document. An EAD card is issued for a specific period of time based on alien's immigration status. Individuals who possess a valid EAD are authorized to freely work in the United States without their employer having to file a non-immigrant worker petition. An EAD card is issued for a specific period of time based on depending on the foreign national's immigration status.Individuals may file Form I-765 for the following reasons:Renewal of an EAD - Your previous EAD is about to or has expired.Replacement of an EAD - Your previously issued EAD has been lost, destroyed or your card has incorrect information on it.Interim EAD - This EAD is granted for a designated period of time, not to exceed 240 days. An interim EAD is an eligible applicant when USCIS has failed to approve an application within 90 days of receipt of a properly filed EAD application or within 30 days of a properly filed initial EAD application based on an asylum application.This visa is most likely different than yours and is in a pool in line in another visa center, for approval. EAD visa are somewhat under revision with some new laws in effect Spetember 11 -2018.What’s the implication of the recent change in H1B policies? Would that mean a petitioner has no chance to substantiate an application, and a petitionee can be deported as soon as the H1B visa is expired or rejected whichever is earlier?Charles Dupre,New York (CNN) Visa policy change will make it easier Trump administration to deny applications[ It will soon be easier for the Trump administration to deny visas.In a move that further curbs immigration, the U.S. Citizenship and Immigration Services is giving anyone who reviews visa applications or petitions the discretion to deny requests, without first seeking additional evidence that might be needed to complete an application, or issuing a notice stating the intent to deny a request. The change takes effect September 11. ][The memo, quietly issued on Friday, means the government can deny visas if applications do not include all the necessary information when submitted. It also lets the government deny visas without specifying what additional information would have been necessary to complete the application.[ "Under the law, the burden of proof is on an applicant, petitioner, or requestor to establish eligibility -- not the other way around," said USCIS spokesperson Michael Bars, who emphasized the policy is part of a move to cut down on abuse and "frivolous" applications.]¸[ It rescinds 2013 guidance that outlined the process for requesting more information or issuing notice about the intent to deny a visa request. The process of requesting more information effectively granted applicants more time to complete applications if something was missing. It also created a constructive dialogue between immigration lawyers and USCIS on applications for visas. ][ The memo came about one week after USCIS announced it would start initiating removal proceedings -- which can lead to deportation -- against visa applicants who lack immigration status when their visa applications are denied. Hassan Ahmad, an immigration rights advocate and founder of HMA Law Firm, noted the two memos issued in near tandem is significant. ][ "Read together, this means one thing: You better get it right the first time," he wrote in a series of tweets on Sunday. "As an immigration and citizenship lawyer, this effectively means the system just got a lot more unforgiving. Even a simple, straightforward application, one that might be considered 'routine' -- can no longer be so considered."]Previously, USCIS was typically required to submit a "request for evidence" on incomplete visa petitions, unless there was no possibility new information could lead to a complete application.[ According to the memo, the new policy is "intended to discourage frivolous or substantially incomplete filings used as 'placeholder' filings and encourage applicants, petitioners, and requestors to be diligent in collecting and submitting required evidence."It adds the new guidance is "not intended to penalize filers for innocent mistakes or misunderstandings of evidentiary requirements."][ The memo applies to most visas, including the popular yet controversial H-1B visas that tech companies rely upon to used to add skilled employees to their workforces. ][ Is Canada getting too many immigrants from India and is it good or bad for Canada? ]Some deportation in process on expired H-1BThe new rules are very close to what was in the newspapers with few variances. There is no way out if your H-1B is expired besides going to Mexico or Canada in order not to become a illegal Alien and deported.https://www.uscis.gov/sites/defa...[ Green Cards for working Indian Citizens is a maximum Cap of 65,000 per year (2016 / 64,287 Issued )The first moves, which come into force on September 11,2018 provides U.S Citizenship and Immigration Services (USCIS) adjudicators full responsibility to refuse applications, petitions, and requests without first announcing an R.F.E or Notice of Intent to Deny (N.O.I.D).¨][ Harish Shanthinikethanam's answer to How has the new rule on the extension of an H1-B visa affect the people in the US? ]Besides, a memo published on June 28 shifts the power to declare Notices to Appear (N.T.A) in maximum instances from U.S Immigration and Customs Enforcement (I.C.E) to USCIS.Views About H1B Changes[ This should mean that U.S.C.I.S can announce an N.T.A and begin deportation proceedings if someone’s H-1B visa expires, even while they are expecting for an increase request to be adjudicated.Except for the ones converting to the EB-1A / Extraordinary talented expertise group or if you work in a medical faculty in a hospital. Those are unaffected by the H-1B changes in 2018. However fee will go up to $8.000 + per H-1B under the proposed reform.Green Card Up Date for citizen from India (1,500,000 ) green Card applications are from IndiaU.S.C.I.S as of May 2018, there is a Total of 306,601 unfinished green card applications listed by Indian citizens below the employment-based favorite category,][ Trump signed an executive order calling for a review of the H-1B program in order to suggest changes to ensure the most skilled and highest–paid applicants receive H-1B visas. “This historic action declares that the policy of our government is to aggressively promote and use American-made goods and to ensure that American labor is hired to do the job. It's America first, you better believe it,” Trump said in April when announcing the executive order.]in WASHINGTON.[ The Department of Homeland Security is considering new regulations that would prevent H-1B visa extensions, according to two U.S. sources briefed on the proposal. The measure potentially could stop hundreds of thousands of foreign workers ( 1,500,000 ) from keeping their H-1B visas while their green card applications are pending.][ “The idea is to create a sort of ‘self- deportation’ of hundreds of thousands of Indian tech workers in the United States to open up those jobs for Americans,” said a U.S. source briefed by Homeland Security officials. Officials at U.S. Citizenship and Immigration Services, which is under DHS, said they can’t discuss “any part of the pre-decisional processes.”“The agency is considering a number of policy and regulatory changes to carry out the President’s Buy American, Hire American Executive Order, including a thorough review of employment-based visa programs,” said Jonathan Withington, chief of media relations for USCIS. On the other side, critics of the program say H-1B visas are increasingly being abused and that American workers are being laid off as U.S. companies send work to outsourcing companies that employ thousands of H-1B workers. ][ The H4 visa - PTI reports the "Trump administration has sought a 60-day suspension in the appeals court proceedings" in a follow up of an ongoing case filed by Save Jobs USA which has found new resolve after the Trump win last November. Save Jobs USA wants the government to dial back the H4 work authorization and this is not a new demand. They have been at it ever since the benefit was conferred on certain category of H4 workers in 2015. On February 1, the Department of Justice filed a petition in the court titled ‘Consent motion to hold proceedings in abeyance for 60 days’.][The proposal is part of a series of new regulations the Trump administration is taking at the same time a bipartisan group of lawmakers moves forward on legislation to tighten rules that award visas to H-1B holders. The administration also has announced plans to end work eligibility for spouses of H-1B holders. In addition, the administration is considering changes to the allocation of H-1B visas to give priority to more highly educated and skilled workers. He has proposed pulling back the number to even three years. But expected that ultimately Congress would need to approve such a change.][The administration is specifically looking at whether it can reinterpret the "may grant" language of the American Competitiveness in the 21st Century Act to stop making the extentions, if changes to the program were sought without Congressional approval.][ “This would be a major catastrophic development as many people have been waiting in line for green cards for over a decade, have U.S. citizen children, own a home,” said Leon Fresco, who served as a deputy assistant attorney general for the Justice Department in the Obama administration who now represent H-1B workers.][Fresco estimates more than 1,5 million H-1B visa holders in the country are waiting for green cards, many of whom are from India and have been waiting for more than a decade.]Green card for the H-1B children may no longer be acceptable for minor kids (1–21) under the new regulations. Kids will have to apply for a green card at age 21 and wait 15 years to receive their green card.They approved 236,000 H-1B in 2017 / 75,6 % to India 7% China , in majority to women. Expect the new H-1B back to a lower quantity per year. Minimum salary may be $140,000 . The cost of the H1B is going up and more expensive up to $10,000. H4 for spouse may be eliminated or under restrictions for only a special category of H-1B in the near future.}Here are the latest 2018 new regulations on approving this famous H1B Visahttps://www.uscis.gov/sites/defa...FORM i -129 Covers renewals for H1B- H2A- H2B—H3- L-1-O-1 - O-2, P-1, P-2- P2S -P3- P3S- Q1- R1 Visas.Petition for a Nonimmigrant WorkerTech's beloved H-1B visa is flawed. Here's why.[ Microsoft , Google- Alphabet- Facebook- Amazon are lobbying for extensions in Washington very strongly. Regardless of the new Trump government executive order currently in implementation and revisions very few of these visas will be affected as they are almost guaranteed renewal regardless of the new review analysis for conformity by the book of each of these visas. I believe than no more than 10%-15% will be terminated upon extending for another 3 year renewal. Congress is involved something complicated to understand. on very talented or super qualified immigrants badly required in the USA.]Doctors, Sport Experts, Zoo keeper, Journalist ans some expert professors will not be targeted or hospital workers. Any special International expert should not be concerned as experts are in shortage in the USA.However any new visas in these classes are under extreme reduction scrutiny to reduce the quantity back to the original total of 85,000 per year authorisation,down from 236,000 in 2016.The lottery is also under review to allow more super qualified experts based on a total expert point system to continue to receive these visas…It is now early to understand , but on Donald Trump executive order that will allow many of you to be or will maybe deported if you cannot find another type of visa. Consider immediately witch other visa you could qualify in this group to continue your everyday life in the USA.Some of you now know officially you will have to make some changes in your visa type or will be deported ! You may be incapable to return to the USA for (10) yearsVISA change example Visa (EB-1A).You can go to Canada or Mexico or a close islands with diplomatic US consulate to modify your visa to another type if required.75,6% of the H-1B US Visa are for India. So they are clamping down on the 70 % of the women from India that own all these H!B with with so much bad publicity.The quota was for 85,000 VISAS ( 65,000 + 20,000 Scientific-Medical per year) Total of 266,000 where granted in a few weeks in the last years out of the scope of control by the government immigration agency, including the (20%) medical internship programs in hospitals that are not required to report.The Trump administration has so far annulled the Paris climate accord, NAFTA is going no where and The Trans-Pacific Partnership (TPP) is a trade agreement between Australia, Brunei, Canada, Chile, Japan, Malaysia, Mexico, New Zealand, Peru, Singapore, Vietnam, and United States signed on 4 February 2016, …Now is cancelled by the USA.H-1B once expired you will have to exit the USA into Mexico or Canada and return later under another visa…If you stay you will be deported .Do not overstay over the days limit to exit and depart urgently as you will never be capable to come back (10) years to the USA under a new different government policy. Take a travel to Mexico or Canada or a vacation outside the USA to re-position yourself in a different visa type that may be applicable to you under some different guidelines.If you overstay you can be given an entry ban of up to 10 years back into USAI have insufficient data : any further as the H1B is also 100 % under review for mostly this group :This H1B reform is specifically addressed to workers from India as they have 77% of them in circulation in 2018 .You make a mistake on the application in 2018 : Your are RejectedRation 2016 : 73 % Indian & 6% Chinese women.[ Alternate Options for H-4 Workers To Continue Working After Trump Bans Program /June 11 , 2018 H1B Visa News Updates ¸][ 1.H1B visaGetting your employer to sponsor you through the H1B visa program is the most basic alternative. Many H4 EAD workers applied for the H1B visa program in this year’s lottery as a fall-back option if EAD program ends. If you already have a job, you won’t find it very challenging to get your employer to sponsor you because he has already seen your work.