napID's patent granted Fraud Filter Layer will not allow others except the owner of the UPI id to initiate the UPI payment using UPI id.

napID will freeze the verify button in the payment form and enable it only after receiving the signal from napID mobile app in ONE-TOUCH.

Quick Flow:

Awake the UPI id in napID mobile app in One-Touch, type the UPI id and select "This is my id" check box in the payment form and proceed to pay.

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Detailed Flow:

• Awake your UPI id in One-Touch in napID mobile app in the payment tab under yyybank.com. (sample user id: us****yy).
• Type your UPI id and select "This is my id" check box in the payment form.
• Pay button will be enabled only for you to proceed to the respective UPI app of the UPI id to make the payment.

The UPI id goes back to SLEEP MODE automatically the moment you select "This is my id" check box in the payment form or after 30 seconds whichever comes first.

• Hackers/Fraud cannot awake your UPI id in napID mobile app, hence "This is my id" check box will show "Id sleeping" and they cannot even initiate the transaction.
• Try with my user id user850@yyy and you can notice the payment cannot be initiated.

napID can completely arrest fraudulent digital payments using stolen credentials.

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100% Secured

• End to End data encryption.
• Token for each transaction.
• Users can register the napID mobile app only on their instrument where SIM is present.
• 100% Async process.
• Ids will be visible only for specified geography.

What happens when my user id & password are compromised?

• No need to worry, no one can misuse your UPI id as it will be in SLEEP MODE.

What happens when the mobile is lost/stolen?

• Firstly the app won't open without your face id, biometric etc.,
• No one can understand the cropped, masked and alias id (sample upi id: us****yy) displayed in the napID mobile app.
• Also, the moment you block your SIM, the app stops working on the stolen device.

100% Data Privacy.

• The customer's data will reside only on the bank's server.
• Cannot predict other's credentials (Alias, Masked & Cropped).
• Automated customer verification in the bank to fetch UPI id.

Easy to Use (End users)

• One-App & One-Touch for all types of digital payments and for all banks.
• Touch-based installation.
• No change in user behaviour, today we use mobile phones for all digital payments at least to read the OTP.

Copy-paste & API implementation. (Bank)

• Do not disturb the existing UPI transaction architecture.
• No need for new credentials, simply use the existing UPI id.
• The existing flow continues only for genuine users.

YouTube Video Link