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बैंकों के लिए, आपके खर्च करने की आदतों का डेटा एक सोने की खान हो सकता है

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वर्षों से, Google और फेसबुक आपके ऑनलाइन व्यवहार के आधार पर विज्ञापन दिखा रहे हैं। Amazon से Walgreens के रिटेलर्स भी नियमित रूप से भविष्य के खर्च को पूरा करने के लिए और अपनी वफादारी धारण करने के लिए अपने लेन-देन इतिहास को चूना करते हैं।

अब, बैंक भी, उन डेटा को चालू करना चाहते हैं जो पहले से ही आपके खर्च करने की आदतों पर खुदरा विक्रेताओं के लिए संभावित ग्राहकों की पहचान करके अतिरिक्त राजस्व में हैं।

बैंकों को तेजी से पता चल रहा है कि वे जानकारी की सोने की खान पर बैठे हो सकते हैं जिसका उपयोग भविष्यवाणी करने के लिए किया जा सकता है – या जहां आप खर्च करते हैं।

ऐतिहासिक रूप से, ऐसे डेटा का उपयोग ज्यादातर धोखाधड़ी संरक्षण के लिए किया गया है। मान लीजिए कि आप साल के सबसे व्यस्त ऑनलाइन शॉपिंग दिन साइबर सोमवार को दोपहर के भोजन के लिए खुद का इलाज कर रहे थे। यदि आप अपने क्रेडिट कार्ड के साथ, चिपोटल पर भुगतान करने का आदेश देते हैं, तो आप जल्द ही लिटिल कैसर में अपने बैंक को लंच से 10 प्रतिशत बंद कर सकते हैं।

ऑफ़र दिखाने और भुगतान को संसाधित करने के लिए, बैंक पिज़्ज़ा संयुक्त से शुल्क अर्जित करेगा। वेल्स फ़ार्गो ने 21 नवंबर को चेस, बैंक ऑफ़ अमेरिका, पीएनसी, सनट्रस्ट और छोटे बैंकों के एक समूह में शामिल होने के लिए व्यक्तिगत ग्राहकों के लिए खुदरा ऑफ़र को अनुकूलित करना शुरू किया।

Google या फ़ेसबुक के विपरीत, जो आपकी खोजों, वेब यात्राओं या पसंद के आधार पर आपकी रुचि के बारे में जानने की कोशिश करते हैं, “बैंकों के पास गुप्त हथियार हैं, जो वास्तव में जानते हैं कि हम किस चीज़ पर पैसा खर्च करते हैं,” व्यापार के सिल्वियो टावरेस ने कहा Group CardLinx Association, जिसके सदस्य ब्रोकर खरीद से संबंधित ऑफ़र की मदद करते हैं। “यह एक बेहतर भविष्यवक्ता है जो हम खर्च करने जा रहे हैं।”

जबकि बैंकों का कहना है कि वे सावधानी से आगे बढ़ रहे हैं और गोपनीयता की चिंताओं के प्रति सचेत हैं, यह स्पष्ट नहीं है कि उपभोक्ता पूरी तरह से जानते हैं कि उनके बैंक क्या कर रहे हैं।

बैंक हमारे कई गहरे, सबसे गहरे रहस्यों को जानते हैं – उदाहरण के लिए, कैंसर क्लिनिक में अदा किए गए बिलों की वह श्रृंखला, या वह बड़ा स्ट्रिप-क्लब टैब, जिसके बारे में आपने वेगास में सोचा था। विश्वासघात करने वाले साथी से बहुत पहले एक बैंक को किसी के व्यभिचार के बारे में संदेह हो सकता है।

“दस साल पहले, आपका बैंक आपके मनोचिकित्सक या आपके मंत्री की तरह था – आपके बैंक ने रहस्य बनाए रखा,” यूएस पब्लिक इंटरेस्ट रिसर्च ग्रुप के एक उपभोक्ता वकील एड मिर्ज़विंस्की ने कहा।

अब, वह कहते हैं, “उन्हें लगता है कि वे डिपार्टमेंट स्टोर या ऑनलाइन व्यापारी के समान हैं।” इस क्षेत्र के अग्रदूतों में से एक, स्टार्टअप कार्डलीटिक्स, वेल्स फारगो, चेस और अन्य बैंकों के लिए प्रस्ताव कार्यक्रम चलाता है।

हालांकि इन साझेदारियों के बारे में, कार्डलीटिक्स का कहना है कि यह दुनिया भर में सालाना उपभोक्ता खर्च करने वाले 2.8 ट्रिलियन अमरीकी डालर के मूल्य पर अंतर्दृष्टि प्राप्त करता है। औज़ियो नामक कार्डिलेक्टिक्स प्रतिद्वंद्वी अन्य बैंकों के साथ एक समान कार्यक्रम चलाता है, जिसे उसने नाम देने से इनकार कर दिया।

अमेरिकन एक्सप्रेस का अपने कार्डधारकों के लिए एक इन-हाउस कार्यक्रम है। वीजा लक्ष्य सवारी और खाद्य वितरण की ओर क्रेडिट के लिए उबर के ऐप पर प्रदान करता है।

हालाँकि, बैंक केवल यह जानते हैं कि आपने कहां खरीदारी की है – और विशेष रूप से आपके द्वारा खरीदी गई सामग्री के बारे में नहीं – वे अक्सर शिक्षित अनुमान लगाने में सक्षम हैं। आखिरकार, यह संभावना नहीं है कि आप आलू के चिप्स के लिए शराब की दुकान पर हैं। बैंक तब आपकी पसंद की अन्य चीजों का अनुमान लगा सकता है।

यह एक बहुत अच्छा विचार होगा कि यदि आप उड़ान या होटल में ठहरने का शुल्क लेते हैं तो आप यात्रा करने वाले हैं। एचएसबीसी उस डेटा का उपयोग स्वचालित अलर्ट सेट करने के लिए कर रहा है, ताकि जब आप काठमांडू या कराची में भोजन के लिए शुल्क लेना शुरू करते हैं तो यह आपके कार्ड के उपयोग को धोखाधड़ी के रूप में अस्वीकार नहीं करेगा।

अगला कदम स्थान-विशिष्ट ऑफ़र बनाना है, जैसे ही आप किराए पर लेते हैं, जैसे ही आप लैंड करते हैं। मार्कोस मेनेगुज़ी, एचएसबीसी के यूएस हेड ऑफ़ कार्ड्स और असुरक्षित उधार, ने कहा कि कार्डधारक ऐसे ऑफ़र का स्वागत करेंगे, कम से कम वे प्रासंगिक हैं।

लेकिन वह चेतावनी देते हैं कि बैंक आसानी से खत्म हो सकते हैं और अपने ग्राहकों का भरोसा खो सकते हैं। इनमें से कई प्रयास अपनी प्रारंभिक अवस्था में हैं, और यह अभी तक स्पष्ट नहीं है कि वे कितनी अच्छी तरह से पकड़ लेंगे।

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उदाहरण के लिए, कार्डलीटिक्स कार्यक्रम, सूचनाओं के माध्यम से ऑफ़र नहीं बढ़ाते हैं। आपको उन्हें अपने बैंकिंग ऐप या वेबसाइट पर देखना होगा। चेस के क्रेडिट-कार्ड व्यवसाय के एक कार्यकारी अबीर भाटिया ने कहा कि कमीशन परिचालन लागत को मुश्किल से कवर करता है। चेस करने के लिए, पुरस्कार-जागरूक उपभोक्ताओं को अपने कार्ड का उपयोग करने के लिए प्रोत्साहित करने के लिए यह कार्यक्रम अधिक महत्वपूर्ण है।

यदि एक चेस कार्ड आपको रिट एड पर 10 प्रतिशत अतिरिक्त मिलता है, तो अपना सिटी कार्ड क्यों निकालें? जहां तक ​​इन कंपनियों का सवाल है, अमेरिकियों ने बार-बार यह प्रदर्शित किया है कि वे मुफ्त में छूट देते हैं और अमूर्त गोपनीयता चिंताओं से अधिक छूट देते हैं।

कार्डिअल्टिक्स के सीईओ और सह-संस्थापक स्कॉट ग्राइम्स ने कहा, “उपभोक्ता समझते हैं कि बैंक उन्हें खरीदारी करने के तरीके के आधार पर पैसे बचाने के तरीके दे रहे हैं।”

लेकिन बैंक अक्सर स्पष्ट रूप से स्पष्ट नहीं करते हैं कि वे आपके डेटा के साथ क्या कर रहे हैं, भले ही वे कभी-कभी आपके डेटा को बाहरी डेटा कंपनियों जैसे कि कार्डल्टिक्स के साथ ऑफ़र संसाधित करने के लिए साझा करते हैं।

और कई बैंक कार्ड या ऑनलाइन बैंकिंग के लिए सामान्य समझौतों के संदर्भ में इन कार्यक्रमों को शामिल करने के बजाय स्पष्ट सहमति नहीं चाहते हैं।

रोहतक: अपने पिता द्वारा बलात्कार के बाद 9 वर्षीय की मौत हो गई

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पीड़िता की मां के अनुसार, वह और उसका पति अलग-अलग रह रहे हैं। (प्रतिनिधि छवि)
पुलिस ने बुधवार को बताया कि हरियाणा के रोहतक जिले में अपने पिता द्वारा कथित रूप से बलात्कार करने के बाद एक नौ वर्षीय लड़की की मौत हो गई।

पीड़िता की मां के अनुसार, वह और उसका पति अलग-अलग रह रहे हैं।

महिला ने अपनी शिकायत में कहा कि उसका पति 27 नवंबर को उनकी बेटी को अपने घर ले गया और उसके साथ बलात्कार किया।

पुलिस ने बताया कि रविवार को आरोपी ने अपनी बेटी को उसकी मां के घर वापस भेज दिया, जिससे उसे उल्टी होने लगी और उसकी हालत बिगड़ने लगी।

उसे सिविल अस्पताल ले जाया गया जहां मंगलवार को इलाज के दौरान उसकी मौत हो गई, रोहतक सिटी पुलिस स्टेशन के एक अधिकारी ने फोन पर बताया।

पुलिस के मुताबिक, पीड़िता का पिता बिहार का निवासी है, फरार है।

उन्होंने कहा कि उनके खिलाफ आईपीसी की धारा 302 (हत्या की सजा) और बच्चों की सुरक्षा के तहत यौन अपराध (POCSO) के तहत मामला दर्ज किया गया है।

New samsung Universe J6 upgrade delivers double VoLTE support, latest security patch

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New samsung Universe J6 gets a application package upgrade that contributes new functions to the smart phone. The upgrade delivers assistance for automatic lighting by using selfie digicam on the Universe J6. The function was previously added to New samsung Universe J8, the first smart phone in the Universe J sequence to function Infinity Show design.

This new application upgrade moving out for the Universe J6 will allow the smart phone to use its selfie digicam to understand the normal mild, and then set the display lighting accordingly. New samsung was bashed by Universe customers for not including normal mild indicator to its price range smart phone collection. In order to complete the lack of normal mild indicator, New samsung found a workaround for auto-brightness establishing by paying for mild using the selfie digicam.

Once you obtain this new upgrade on your Universe J6, New samsung says there won’t be a need to personally modify the lighting of your display. Together with assistance for auto-brightness, the upgrade also delivers double VoLTE performance and contributes assistance for AR Emoji function. The Universe J6 is not the first device to get this function and New samsung has been moving out this function in a phased manner to all its price range mobile phones.

According to Sammobile, the upgrade is also available for the Universe On6, which is similar to the Universe J6, and is available specifically for the online market in Indian. New samsung has also mixed the Dec protection spot with these functions for the Universe J6. The new upgrade is a 286MB obtain, and will be available in the form of an over-the-air (OTA) upgrade.
In addition to Dec protection spot and auto-brightness establishing, the upgrade also contributes assistance for double VoLTE. The Universe J6 customers will get a notice whenever the upgrade becomes available for obtain but you can also obtain personally by going to Configurations deciding on Software Update area and simply simply clicking Download Up-dates personally option.

Meitu V7 and restricted Meitu V7 Tonino Lamborghini Version unveiled

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Meitu V7 has been released at an event in China suppliers. The China organization has also revealed a small Meitu V7 Tonino Lamborghini Version together with the common edition.

The business is known for generating selfie-centric mobile phones. The Meitu V7 activities a multiple camera installation for capturing selfies, made up of a 12-megapixel, a 20-megapixel super wide-angle lens and an 8-megapixel detail indicator. The installation is said to catch better low-light photos with the expertise of AI.

At the back, there is a 12-megapixel and 8-megapixel double cameras. The installation is also built with both Visual Picture Stabilizing (OIS) as well as Electronic Picture Stabilizing (EIS). The cameras are associated by dual-LED display segments. The leading smart phone also comes with a home-button allowed finger marks scanning device, which is a unique thing.

Watch: Xiaomi Redmi Note 6 Pro First Look
The Meitu V7 comes with a 6.21-inch OLED board and brings pictures at HD+ quality. It is operated by Qualcomm’s Snapdragon 845 chipset under the bonnet. The device is provided in 8GB/128GB settings, and is filled with the latest Android operating system 9 Pie. It is supported by a 3,500mAh battery power.

Coming to the Meitu V7 Tonino Lamborghini Version, the device activities a high-quality printed calfskin set body and also functions 18k gold-plated rivets. It comes in Cabernet wine Lemon and Green Desire color versions. Both the models have similar requirements, but the unique offers a more top quality experience.

The conventional edition will retail store at RMB 4,799 (approximately Rs 48,700), while the Tonino Lamborghini unique of the Meitu V7 will be available for RMB 8,888 (approximately Rs 90,200). Both the mobile phones will be on sale from Jan 8 in China suppliers.

Google Assistant surpasses Amazon The company and Apple’s Siri in a smart presenter IQ test

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Search engines Associate has appeared as better and consistent than Amazon The company and Apple’s Siri in a new analyze for electronic speech staff. Quality performed by Loup Projects has found that while Search engines Associate is wiser than competing electronic staff, the gap between them is closing quicker than before.

For the second season in a row, Search engines Associate has outperformed the likes of The company, Siri and Cortana in the analyze targeted to determine which electronic speech assistant deals better on a sensible presenter. It is wonder that Search engines Associate held onto its top despite Amazon The company powered Replicate sound system being more widely used than Search engines House gadgets. In the analyze, Search engines Associate recognized 100 % of 800 concerns, and it responded to nearly 88 % of them properly.
What is really amazing is that Apple’s Siri obtained better than Amazon’s The company. Siri recognized 99.6 % of the concerns, and responded to 74.6 % of them properly. The company, on the other hand, recognized 99 % of the concerns, and managed to answer 72.5 % of them properly. Microsoft’s Cortana came 4th by knowing 99.4 % of the concerns, but it properly responded to only 63.4 % of them.

“Google House ongoing its outperformance, responding to 86% properly and knowing all 800 concerns. The HomePod properly responded to 75% and only misinterpreted 3, the Replicate properly responded to 73% and misinterpreted 8 concerns, and Cortana properly responded to 63% and misinterpreted just 5 concerns,” Gene Munster and Will Thompson had written in their results.

Loup Projects tested Search engines House with Associate, second generation Amazon Replicate with The company, Apple HomePod with Siri, and Harman Kardon Produce with Cortana to reach its conclusion. The technique of the analyze involved asking 800 concerns and they were evaluated on analytics of whether electronic assistant could understand the concerns and whether it could deliver an ideal reaction. The concerns are split up into five groups such as local, business, routing, information and control.

The investment capital company also uses intelligent gadgets such as Wemo Small Smart Connect, TP-Link Kasa Connect, Phillips Hue Lights, and Wemo Soft Switch to analyze how these electronic staff incorporated with them. “Google House has the edge in four out of the five groups but fails to deliver of Siri in the Command classification. HomePod’s lead in this classification may come from the fact that the HomePod will pass on full SiriKit demands like those regarding texting, details, and basically anything other than music to the iOS device combined to the presenter,” the company said.

In comparison with last season, all of these electronic staff have gotten better. Last season, Search engines Associate had a precision of 81 % while The company got only 64 % of the answers appropriate. While Siri wasn’t available on HomePod, it documented a hopeless 52 % precision in Feb of 2018. One key downside is that Google’s competitors, mainly Amazon, is capturing up quicker and its business grinds will only benefit in the long run.

Htc X7 to get Android operating system 9 Pie on Dec 22

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A few months ago, HMD International released its Htc X7 in Chinese suppliers with Android operating system 8.1 Oreo. The international form of the same smart phone is Htc 8.1, which was released with the Android operating system Pie out-of-the-box. Now, the company is all set to launch the newest Android operating system OS to the Htc X7 the next day (December 22).

According to a poster on Weibo, the upgrade will not only offer its customers the newest Android operating system Pie but some extra functions too. Htc mobile phones that lately obtained Android operating system Pie upgrade contains the Htc 8 (2017), Htc 7 and the Htc 6 (2018). Furthermore, the next Htc smart phone, known as Htc 6 (2017), is anticipated to receive the upgrade as a try out form of the upgrade lately appeared online.

Watch: Htc 8 Sirocco First Look
As for the requirements, the Htc X7 operates on a 10nm Snapdragon 710 octa-core chipset along with Adreno 616 GPU. It comes with a 6.18-inch full-HD+ display with 81.2 percent of a screen-to-body rate and 19:9 part rate. The device comes with 4GB/6GB of RAM and 64GB/128GB of integrated memory, extended up to 400GB.

There is a 12-megapixel+13-megapixel double back camera installation with an f/1.8 aperture, 1.4µm, double pixel PDAF and Visual Picture Stabilizing (OIS). Up front, the device features a 20-megapixel with an f/2.0 aperture. It is operated by a 3,500mAh battery power, which assists fast asking for. The smart phone comes in four color version in Chinese suppliers, such as Dark Glowing blue, Evening Red, Miracle Evening Gold and Evening Black.

(Super) Fabric Concept Men’s T-Shirts(Pack Of 2) In Just ₹239(Worth ₹599)

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Product Picture :-
Amazon Fabric Concept Men’s T-Shirts

Swiggy increases $1 billion dollars financing led by Naspers

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Swiggy on Friday said it has shut a USD 1 billion dollars financing circular, led by current trader Nasper, a move that will give the foodstuff distribution system more muscular to contend against gamers like Zomato and FoodPanda.

Swiggy, in an argument said, it has implemented specified contracts for a USD 1 billion dollars circular of financing led by Naspers and saw new traders — Tencent, Hillhouse Financial commitment and Wellington Control Organization coming on panel.

The sequence H circular also saw contribution from other current traders such as DST International, Meituan Dianping and Coatue Control, it included. Swiggy said the newest fund-raising circular is the “single biggest in India’s meals technological innovation industry to date” and takes the complete financing brought up by the Bengaluru-based company to USD 1.26 billion dollars.

The clean capital infusion will provide more ammo to Swiggy as it fights Ant Financial-backed Zomato, Ola-owned Foodpanda and UberEats in the increasing meals distribution space in the nation.

“As India’s hunger for online meals purchasing develops, Swiggy will use the resources to bring more appeal meals manufacturers nearer to customers and deal with holes in provide through delivery-only cooking areas under the ‘Access’ effort for cafe associates,” Swiggy said in an argument. It included that the newest capital will also be used to seek the services of skills, especially for device learning and technological innovation positions across mid and mature levels.

Swiggy is concentrated on further building up its technological innovation central source and concentrate on building a next-generation AI-driven system for hyperlocal finding and on-demand distribution, it said.

“As we add more firepower to our perspective of increasing complete well being for city customers by providing remarkable comfort, we are content that experienced global traders discuss our objective and have made such a important purchase of our upcoming,” Swiggy CEO Sriharsha Majety said.

In July this year, Swiggy had brought up USD 210 thousand in financing led by Naspers and DST International. Since then, the organization has extended to 42 additional places and more than doubled its complete products value. It has close to 1.2 lakh effective distribution associates on its system. Established in 2014, Swiggy has over 50,000 cafe associates distribute across more than 50 places.

10.or G2 identified on benchmarking web page presenting Snapdragon 660, 6GB of RAM

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It seems ’10.or’ brand from Amazon Indian will see a new addition soon. The expected 10.or G2 has been identified on Geekbench standard record. Last year in Dec, Amazon released 10.or G budget Android os smart phone at a beginning cost of Rs 10,999. The new G2 is predicted to be heir of last year’s design with better Snapdragon 660 14nm processer but around same cost.

According to record (first revealed by MSP), the 10.or G2 will sport a 6GB of RAM along octa-core 14nm FinFET-based Qualcomm Snapdragon 660 chipset. This is a big update over 3GB and 4GB RAM versions of the 10.or G which came with Qualcomm Snapdragon 626 SoC under the bonnet.

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On the software front side, 10.or G2 will be running Android os 8.1 Oreo os out-of-the-box. The digicam is predicted to be a dual-rear installation because the the present 10.or G comes with a 13-megapixel + 13-megapixel dual-camera on the back again. For selfies, the present design also features a 16-megapixel front side digicam, so it is possible that might remain same.

Amazon Indian, in Aug, released the last smart phone in its ’10.or’ collection called the 10.or D2. The affordable smart phone features in good requirements at a beginning cost of Rs 6,999 for the 2GB RAM/16GB storage space choice. The device also comes in 3GB RAM/32GB storage space choice at Rs 7,999.

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The 10.or D2 is operated by the Qualcomm Snapdragon 425 SoC, and operates Android os 8.1 Oreo out-of-the-box. It comes with a 3,200mAh battery, and comes with a 5W battery charger in the box. At the back again is a 13-megapixel digicam, and the top side has a 5-megapixel digicam. The phone does not have a finger marks indicator or face open up.

Xiaomi Redmi 6A sale at 12PM today: All you need to know

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If you’re in the market for a strong entry-level intelligent phone, you can’t go incorrect with Xiaomi’s Redmi sequence. The line-up’s least expensive participant – Xiaomi Redmi 6A – provides a lot of functions, at a cost that won’t hurt your wallet. Xiaomi Redmi 6A comes in two inner storage space options – 16GB and 32GB – and the former version is set to go for selling at 12PM nowadays. Here’s everything you need to know.

Xiaomi Redmi 6A: Price, selling information, and offers
Priced at Rs 5,999, the base-level kind of Xiaomi Redmi 6A will be made available via show selling at 12:00PM nowadays. The intelligent phone can be bought either via Amazon Indian, or through Mi Indian. As you’d anticipate, there are some provides and discount rates as well.

These consist of five percent discount rates (for HDFC Financial institution credit/debit card holders), ‘No Cost EMI’ choice, 100GB of additional information and up to Rs 2,200 procuring advantages from Dependency Jio, and free registration to Hungama Songs for three several weeks.

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Xiaomi Redmi 6A: Requirements and features
Powering Xiaomi’s Redmi 6A is a MediaTek Helio A22 chipset, combined with 2GB of RAM and 16GB/32GB of inner storage space. There’s also a devoted development port that can take up microSD credit cards up to 256GB. The intelligent phone comes with a 5.45-inch HD+ show having a solution of 720×1440 p, and an 18:9 part rate. The software onboard is Android operating system 8.1 Oreo, with MIUI overlay operating on top.

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For picture, the Xiaomi Redmi 6A has a single-lens 13-megapixel main digicam. There’s also a 5-megapixel lens in advance side for selfies and movie phone calls. All conventional connection functions (except a finger marks sensor) are involved, with a 3,000mAh battery power rounding off the specifications piece.