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Virtual Credit Card | Benefits | VCC facility

Virtual Credit Card – Virtual Credit Card (VCC) is a unique online payment solution with complete online security while shopping on the internet. It is one-time usable virtual credit/debit card with a preloaded amount and valid for a specified time period as required by the user. Virtual Credit Cards do not have a plastic existence and are created to be purely used online.sssss
Ajay is a 30 years old guy who is working for a MNC company. Due to his busy schedule Ajay seldom gets time to go and personally pay his mobile bill and other utility bills. Therefore he prefers paying all his bills online with his credit card. Ajay has been doing this for the last few months and finds paying bills through his credit card hassle free. Ajay has recently started doing lot of online shopping for things like buying books, apparels, consumer goods. One day he got an email from an unauthentic website mentioning that he will get 70% discount for online shopping on their website. Ajay does not check the authenticity of the website and gets excited and clicks on the link in the email and is redirected to the website. Ajay selects the purchase items of his choice and enters his credit card details like card number, expiry date and CVV number. Ajay is eagerly waiting for the delivery of his products. Little that he knew that if was a fraud website. The products never arrived. But when the credit card statement arrived Ajay got a shock of his life. His credit card statement showed additional transactions of Rs. 30,000 which he had never done.
Now why did such a tragedy happen to Ajay? The reason is very simple, his credit card details were misused by a fraudster for his own benefit.
Like Ajay we all use our credit cards and debit cards in lot of online transactions and are vulnerable to our card details being exposed online. So is there any way that Ajay and we can avoid such risk?
The answer to the above question is YES. This can be avoided by the use of virtual credit card facility (VCC) offered by some banks.
What is a Virtual Credit Card?
Virtual Credit Card (VCC) is a unique online payment solution with complete online security while shopping on the internet. It is one-time usable virtual credit/debit card with a preloaded amount and valid for a specified time period as required by the user. Virtual Credit Cards do not have a plastic existence and are created to be purely used online.
Many banks like HDFC Bank, Axis Bank, ICICI Bank, Kotak Mahindra Bank and some other banks offer this facility to their credit card and debit card holders.
In this article we will discuss the VCC facility offered by HDFC Bank in detail. Lets us assume that Ajay is a credit card holder of HDFC Bank. Let us see how he can generate unlimited VCCs for making bill payments online.
He must log on to the homepage of HDFC Bank and select “NetSafe/ Verified by Visa / MasterCard SecureCode”. By selecting Netsafe option a pop up window will open where he can register his credit card with NetSafe. Registration is required only once at the time of generating the first VCC. For subsequent VCCs the user can login and start generating the VCC.
Once Ajay has registered he needs to login to his account. After login he will see the following screen giving the option to create a VCC. Ajay can create a VCC by entering the amount in the Limit and then select GO. This will generate a VCC which has a different card number, CVV and expiry date than the original card. These credentials can then be used to make online payment by Ajay. A VCC can be used for any online transaction on any website wherever the original card will be accepted. A VCC card will look as follows:
The above VCC can be used only one for a transaction not exceeding Rs. 1. Similar VCCs can be generated for different one time use amounts subject to the amount not exceeding the total unutilised limit of the card. Please note that in a VCC the 16 digit card number, CVV number and the expiry date are different from the original card number, original CVV number and the original expiry date on the card. So even if someone gets the details of your used VCC, still it will serve no purpose to that person as VCCs are valid only for one time use. Also VCCs are valid only for limited time of 1 day or 2 days or any other time specified by the card owner at the time of generating the VCC. If the VCC is not used within that time period then the VCC expires and the amount is added back to the balance of your original card.
Like Ajay you can use this virtual card number at any online merchant site and complete your shopping with security and ease. Also you may set a limit to the VCC for transacting online.
The VCC is not a normal credit card. Unlike credit card you will not be granted money on credit for online payments and neither can you put it in your pocket and walk for shopping as it is a virtual card. Infact it is very similar to a prepaid card where user needs to first generate the virtual card online and deposit fund into the card before it can be used for one time online purchase.
Another distinguishing feature of VCC is that it is issued anonymously (unlike credit/debit card which are usually issued in the name of individual account holder).
Key benefits
• Virtual credit card is for one time use only.
• VCC number should be normally used within 24 hour after generation of number.
• You can set your own limit for the VCC you generate subject to the unutilised limit on your actual credit card.
• You can use it on any merchant website that accepts Master Card / VISA payment cards.
• All purchases you make with VCC will appear on your statement, just like any other transaction.

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THE STORY OF CHOCOLATE

The story of chocolate, as far back as we know it, begins with the discovery of America. Until 1492, the Old World knew nothing at all about the delicious and stimulating flavor that was to become the favorite of millions. The Court of King Ferdinand and Queen Isabella got its first look at the principal ingredient of chocolate when Columbus returned in triumph from America and laid before the Spanish throne a treasure trove of many strange and wonderful things. Among these were a few dark brown beans that looked like almonds and seemed most unpromising. They were cocoa beans, today's source of all our chocolate and cocoa. The King and Queen never dreamed how important cocoa beans could be, and it remained for Hernando Cortez, the great Spanish explorer, to grasp the commercial possibilities of the New World offerings.

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Daimonds In Avalible

For centuries diamonds have captured the hearts and minds of millions, including scientists. For most, the word diamond immediately relates to a brilliant gem, wealth, status and/or prosperity. For scientists, diamond is known as one of the strongest and most chemically inert material. The very word diamond is derived from the Greek word adamos, meaning the unconquerable. However, diamonds have been known to India even much before it derived this Greek nameThe story of diamonds transcends many cultures and eras and is about three billion years old, about two-thirds the age of earth. Hence, for some it is just a matter of pride to own an object as old as three billion years, and that which has seen the rise and fall of many civilizations and kingdoms!! However, the first gems of diamond were found in India as alluvial deposits only about 2800 years ago. When the first diamond stones were found, it was not particularly regarded for its brilliance. However, it was found to be extremely hard and impossible to break with known tools of that generation. It was also found to withstand attack of most chemicals, arising the curiosity and popular faith attributing these mysterical stones to manifestation of GOD with magical powers. The earliest known reference to diamond is in a Sanskrit manuscript, the Arthasastra (the lesson of profit) by Kautiliya, a minister to chandragupta of the mauryan dynasty in northern India, written about 2300 years ago [1]. Diamond has been referred to as Vajra or Indrayudha in sanskrit. Diamond's supreme hardness was recognized by Indians In a 6th century text on gems called ?Ratnapariksa? the hardness of diamond has been realized and quoted as "The gems and the metals that exist on earth are all scratched by the diamond: the diamond is not (scratched) by them. A noble substance scratches that which is noble and that which is not; the diamond scratches even the ruby. The diamond scratches all and is not scratched by any."
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Most Used Jewelry

Most women like jewelry, but often do not buy it for themselves, as this is luxury. The right of jewelry as a gift may allow you to show how deep your love for that woman is.
Women love to wear jewelry and more they have in their collection, the better. The choice is wide and includes jewelry, small pieces of gold, silver, handmade or unusual pieces jewllery, that really stand out from others. For the modern day woman's best modern jewelry. You are buying modern jewelry made of gold or Diamond ultimate happiness associated with modern design jewelry can make your day a woman. These days, we see much demand for advanced projects for jewelry, ornaments, because contemporary design never goes out of fashion. Purchase of modern jewelry that is an investment that you can rely on to stay with them in the coming decades. Contemporary Jewelry offers a combination of contemporary and classic, bold jewelry for women that includes a unique combination of pearls, gemstones, precious and semiprecious stones. Statement necklaces, earrings, rings and bracelets for a long part of contemporary jewelry. Modern jewelry, we noticed how creative individuals and dramatically demonstrate that we have something to say.
Buy a big bright jewelry item size allows to keep key vibe, great experience, without making a huge impression on your portfolio. An added bonus is that large parts of the jewelry will go out of fashion. Here are some tips to consider if you are going to buy art jewelry:
• How to choose quality over quantity jewelry every time.
• If you cannot buy true artificial stone.
• Buy something that matches another item in the collection of their women. For example, if she Amethyst pendant, Amethyst Earrings try to find a match.
• If you want to buy jewelry with colorful stones is the best who buy jewelry to go with the dress and there.

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History and evolution of body piercing jewelry

The Bible mentions that body piercing was popular amongst nomadic tribes approximately 2000 years ago. Whereas, at some places like Egypt only people from the royal family could get body piercing done. Various reasons have been associated with different cultures and different castes for getting body piercing. For example, it was a symbol for strength for roman warriors, who had a practical approach towards body piercing. Whereas body piercing jewelry was just a way of beauty enhancement in some other cultures.In the Medieval times, the art of body piercing was condemned by the masses and was banned by a few communities. But it regained popularity again. People started using body jewelry as a way of showing off their wealth and status by wearing a lot of jewelry and getting body piercings done. About a decade ago, body piercing jewelry was considered to be a symbol for rebellious and hip youth. In the recent times, relevance of body jewelry has changed a lot.Current Scenarios of body piercing and body piercing jewelryInterestingly, there are different societal and personal attitudes attached to modern day body piercing and body piercing jewelry in the current times. While ear piercings and nose piercings have been very popular since the ancient times in countries like India etc., The other forms of body piercings had different reasons for coming into being. Mostly, it became a way of enhancing beauty and adorning the body. It soon became a fashion statement amongst youngsters and people saw it as a form of self expression and body art. For some, it became a way of increasing sexual pleasures or for sexual stimulation. Gay men get body piercings done for identification. These days, there are a lot of stores available for body jewelry and body piercing jewelry and several celebrities sport them as well.

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What is HIV and AIDS?

HIV stands for Human Immunodeficiency Virus. HIV is a virus that takes over certain immune system cells to make many copies of itself. HIV causes slow but constant damage to the immune system.AIDS stands for Acquired Immune Deficiency Syndrome. AIDS is the condition diagnosed when there are a group of related symptoms that are caused by advanced HIV infection or when someone has less than 200 CD4 cells (immune cells). AIDS makes the body vulnerable to life-threatening illnesses called opportunistic infections.Normally, the human immune system is the body’s protection against bacteria, viruses, etc. It acts like a coat of armor. When HIV enters the body, it starts poking holes in the armor. Eventually, the armor becomes very weak and unable to protect the body. Once the armor is very weak or is gone, the person is said to have AIDS.An AIDS diagnosis is generally made when either the body's protective T-cells drop below a certain level, or the HIV-positive individual begins to experience opportunistic infections. An opportunistic infection is an infection that would not be life-threatening to an otherwise healthy person. Oftentimes, it's these infections that are the cause of illness or death in HIV-positive individuals -- not the virus itself. If people do not get any treatment for HIV disease, it takes an average of 8-10 years to progress from HIV to AIDS.

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Kiss With Lip Stick

Lipsticks are not the fashion products of present day women only; rather it is believed that these products were popular amongst ancient women s well. The famous women in history like Queen Cleopatra were also habitual of wearing lipstick colors. There was one great reason behind the use of lipsticks anciently, as well as in modern world, and that is to attract men for kissing with lipstick.Lipsticks are helpful in shaping up the lips of women and making them look sexier than before. The women attracting men for kiss with lipstick are said to be more successful in their desires. Majority of men are not capable of resisting the juicy lips of women, as made prominent by use of lipstick. The products like L’Oreal kiss proof lipstick from cosmetic industry are in great demand amongst women, as they can attract men and at the same time facilitate kissing between two, without the fear of consuming the materialHowever, some men might not be comfortable in kissing with lipstick on the lips of their women. So, in such circumstances, make sure you change your preferences, either for lipsticks or for kissing partners.If you are planning to kiss with lipstick, make sure you choose right color, which goes well with rest of your makeup. Also, you must have the flair to use right quantity of lipstick for your lips, to avoid looking like wicked. The products like loreal kiss proof lipstick and those available from other reputed companies can be your best companions for preparing you for kissing.

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How to make rosemilk

Rose milk is a famous drink in South India. Most south Indian restaurants or hotels in the pre-cola era (which is less than a decade ago) served this and some still do. In the summer months (which is always!), it is a cool treat. The dark pink hued drink is almost as popular as 'filter coffee'.When ever we go to restaurant i always end up having rose milk.This is my all time favorite.When i went for weekly grocery purchase i happened to get rose syrup from there

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A sweet story about Dairy milk

Cadbury's launched its first Dairy Milk bar, with a higher proportion of milk than previous chocolate bars, and it becomes the company's best selling product by 1913. George Cadbury Jnr, responsible for the development of the bar, has said "All sorts of names were suggested: Highland Milk, Jersey and Dairy Maid. But when a customer’s daughter suggested Dairy Milk, the name stuck.". Fruit and Nut was introduced as part of the Dairy Milk line in 1928, soon followed by Whole Nut in 1933. By this point, Cadbury's was the brand leader in the United Kingdom. In 1928, Cadbury's introduced the "glass and a half" slogan to accompany the Dairy Milk bar. Cadbury made Dairy Milk into a family brand by taking existing brands — Caramel, Wispa, Fruit & Nut, and Whole Nut — and marketing them as Dairy Milk sub-brands; for example Wispa was phased out and replaced by "Dairy Milk Bubbly". The Dairy Milk brand was also introduced as an endorsement brand on children's products such as Cadbury Buttons and Freddo. At this time the entire Cadbury Dairy Milk range was given a packaging revamp (along with all other Cadbury brands) incorporating a new "swirl" around the Cadbury signature logo; the company name had also recently been changed from "Cadbury's" to "Cadbury". By there were fifteen Dairy Milk sub-brands produced in the UK, including Shortcake Biscuit, Wafer, Orange Chips, Mint Chips, Crispies, and Creme Egg. In the subsequent two years, however, the majority of these new sub-brands proved unsuccessful and were discontinued. "Apricot Crumble Crunch" and "Cranberry and Granola" were released as new Dairy Milk variants.The current UK range consists of Dairy Milk, Caramel, Fruit & Nut, Whole Nut, Turkish, Double Choc, Apricot Crumble Cr,Following a trial in October 2007, the "Cadbury Wispa" brand was re-introduced in the UK and the Republic of Ireland. Due to a positive response, Wispa is again available on a permanent basis, and now the Dairy Milk Bubbly brand is exclusive to the large block format. In spring 2009, following the success of the Wispa relaunch as an individual product brand, Cadbury Dairy Milk Caramel was relaunched, with the "Caramel" name re-emphasised as the main on-pack brand, and the "Dairy Milk" brand de-emphasised. The iconic "Caramel bunny" was re-introduced during this period with the slogan "Still got it". The rest of the Cadbury range is slowly being revamped with new or refreshed packaging as part of this reduction in emphasis on the Dairy Milk brand and the reintroduction of individual product brands. Simultaneously, Cadbury have also introduced a new look Dairy Milk logo and reintroduced the gold "Cadbury" logo, reminiscent of the logo prior to the "swirled" Cadbury logo of 2003. Cadbury Dairy Milk Buttons and Freddo have this logo.

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Digital photography

Digital photography is a form of photography that uses an array of light sensitive sensors to capture the image focused by the lens, as opposed to an exposure on light sensitive film. The captured image is then stored as a digital file ready for digital processing (colour correction, sizing, cropping, etc.), viewing or printing.Until the advent of such technology, photographs were made by exposing light sensitive photographic film and used chemical photographic processing to develop and stabilize the image. By contrast, digital photographs can be displayed, printed, stored, manipulated, transmitted, and archived using digital and computer techniques, without chemical processing.Digital photography is one of several forms of digital imaging. Digital images are also created by non-photographic equipment such as computer tomography scanners and radio telescopes. Digital images can also be made by scanning conventional photographic images.

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Digital photography

Digital photography is a form of photography that uses an array of light sensitive sensors to capture the image focused by the lens, as opposed to an exposure on light sensitive film. The captured image is then stored as a digital file ready for digital processing (colour correction, sizing, cropping, etc.), viewing or printing.Until the advent of such technology, photographs were made by exposing light sensitive photographic film and used chemical photographic processing to develop and stabilize the image. By contrast, digital photographs can be displayed, printed, stored, manipulated, transmitted, and archived using digital and computer techniques, without chemical processing.Digital photography is one of several forms of digital imaging. Digital images are also created by non-photographic equipment such as computer tomography scanners and radio telescopes. Digital images can also be made by scanning conventional photographic images.