T he Aa dha a r Pro je c t NANDAN NI L E K ANI CHAI RMAN - - PowerPoint PPT Presentation

T he Aa dha a r Pro je c t

NANDAN NI L E K ANI

CHAI RMAN UNI QUE I DE NT I F I CT I ON AUT HORI T Y OF I NDI A

• OVE

RAL L MANDAT E OF T HE AADHAAR PROJE CT

• AADHAAR AND I

T ’ S POT E NT I AL

• DI

RE CT BE NE F I T T RANSF E R AND AADHAAR

 ONL

Y 50 MI L L I ON I NDI AN HOL D PASSPORT

 CL

OSE T O 100 MI L L I ON HOL D PAN CARD

 CL

OSE OF 200 MI L L I ON HAVE DRI VI NG L I CE NSE

 VAST

SE CT I ON OF POPUL AT I ON DON’ T HAVE ANY I D PROOF

WHY AADHAAR F OR I NDI A

 Pro viding a fo rma l ide ntity pro o f to millio ns o f re side nts  T

his ide ntity pro o f wo uld b e a g a te wa y to a c c e ss se rvic e s

 Ne e d to stre a mline g o ve rnme nt e xpe nditure – c ut wa sta g e

a nd le a ka g e

 Ne e d fo r a tra nspa re nt a nd a c c o unta b le syste m o f pub lic

e xpe nditure

 So c ia l inc lusio n pro je c t with a de ve lo pme nta l fo c us

Co nte xt o f Aa dha a r

UI DAI issue s Aa dha a r numb e rs…

UID = 1568 3647 6218

UID  Unique numbe r  Ra ndom numbe r

Basic de mogr aphic data and biome tr ic s stor e d

Sta nda rdize d ide ntity a ttrib ute s No duplic a te s(1:N c he c k) Minima l de mo g ra phic da ta c o lle c te d

Na me Pa re nts Ge nde r Do B Po B Addre ss

… and authe ntic ate IDs online , r

e al- time

UID = 1568 3647 4958

Ce ntra l UI D da ta b a se 1:1 c he c k, no ID fra ud Only YE S/ NO re sponse , no de ta ils – no inva sion of priva c y Pe rson c a n se e se lf- de ta ils, no one e lse c a n

Authe ntic ation - ‘Ar e you who you c laim to be ?’

UIDAI star

te d issuing Aadhaar in Se pt 2010

Ove r

320 million Aadhaar s issue d so far

Ove r

380 million r e side nts e nr

• lle d

T

ar ge t is 600 million by 2014

Whe r e ar e we today…

AADHAAR GE NE RAT I ON ST AT US ST AT E WI SE

Letter Delivery Aadhaar Letter Printing Registrar System Contract Center System NPCI Enrolling Agency Operator Cert Training Agency Device Testing & Cert ASA Auth User Agencies Device Testing & Cert

Biometric System

ABIS 1 ABIS 2 ABIS 3

Biometric Middleware Enrollment Authentication

Pa rtne r E c o syste m E nro llme nt E c o syste m Authe ntic a tio n E c o syste m

Sc ale Ge ogr

aphic ally – Daily Ope r ations ac r

• ss

India

25,000+ stations de ploye d Spe e d ~1m/ day mar

k r e ac he d in le ss than 18 months

• f 1st Aadhaar Ge ne r

ate d

Ope r

ations Mode l

Public (Re gistr

ar ) - Pr ivate ( E nr

• llme nt

Age nc y) par tne r ship dr ive n

Dime nsions of the Aadhaar Pr

• je c t

Persistent Store BI & Analytics SEDA Stages

Biometric System

Biometric Server 1 Biometric Server 2 Biometric Server 3

Structure Validation Demographic Validation Operator Validation Biometric Validation ABIS Coord

Aa dha a r T e c hno lo g y

F ie ld E nro llme nts Ce ntra l I D Re po sito ry – Da ta Ce nte r

Enrollment Packets

Enrolment centre, Andhra Pradesh

Enrolment Centre, Jharkhand

13

Enrolment Centre, Puducherry

Aa dha a r a nd it’ s po te ntia l

 T

r ansac tions nor mally r e quir e ve r ific ation of ide ntity

 Aadhaar

• nline authe ntic ation will pr
• vide a c ommon platfor

m whic h c an be use d ac r

• ss all tr

ansac tions and othe r applic ations.

 E

ntitle me nts should r e ac h the inte nde d be ne fic iar y – non- tr ansfe r ability c an be e nsur e d

 T

his c an be e ffe c tive ly done by authe ntic ation at the point of se r vic e de live r y

 Many se c tor

s will be able to use as a pr

• of of pr

e se nc e for the be ne fic iar y

Se r vic e De live r y pote ntial due to Authe ntic ation

I de ntity

• Unique ide ntity to e ve ry re side nt of India whic h is na tiona lly va lid –

e spe c ia lly use ful for those who ha ve no proof of ide ntity

Mo b ility

• Aa dha a r a uthe ntic a tion be c a use of its on- line na ture c a n a lso be ve rifie d

a nytime , a nywhe re .

Gateway to Services

• As Aa dha a r c a n be c ome a KYC for a whole ra ng e of produc ts a nd se rvic e s

(ba nk a c c ounts, mobile c onne c tions, L PG c onne c tions, sta te Govt. se rvic e s, insura nc e , e tc )

E mpowe r me nt, Choic e and Conve nie nc e

Aa dha a r Applic a tio ns in Sta te s Jha rkha nd MG- NRE GA, Sc hola rshi ps Andhra Pra de sh PDS Ma ha ra sht ra Soc ia l Se c urity Pe nsions Ka rna ta ka L PG Subsidy Sikkim E mploye e Sa la ry T ripura Old Ag e Pe nsion

Aadhaar base d gove r nme nt applic ation pilots – Country wide spr e ad

MNRE GA pa yme nts thro ug h Mic ro -AT M in Jha rkha nd

PDS de live r y base d on Aadhaar Authe ntic ation in E ast Godavar i, Andhr a Pr ade sh

20

Old age pe nsion payme nt in T r ipur a

• Ope n Ba nk Ac c o unts using Aa dha a r – Suffic ie nt K

YC

• E

xisting Ba nk Ac c o unt c a n b e linke d to Aa dha a r numb e r

Ac c e ss

• T

ra nsfe r funds to Aa dha a r E na b le d Ac c o unts

• Simplifie s disb ursa l o f funds – use s o nly o ne a c c o unt fo r a ll disb ursa ls

– Co nve nie nc e fo r the b e ne fic ia ry

Addre ss

• Withdra wa l a nd de po sit, c he c k b a la nc e
• E

nd to e nd a udita b ility a nd tra c e a b ility

• I

nte r-o pe ra b le , po rta b le a nytime a nywhe re

• Be tte r tha n lo c a l, no n-inte ro pe ra b le so lutio ns tha t limit c ho ic e

T ra nsa c tio ns

AADHAAR PL AT F ORM F OR BANK I NG

22

Mo b ile c o nne c tio ns Ba nk A/ Cs, I nsura nc e , e tc .

State Government Services

Aa dha a r a c c e pte d a s K YC fo r va rio us se rvic e s

1 2 4

L PG Co nne c tio ns

3

Train Travel

5

?

Many other services…

6

23

• 1. “Instant” Ope ning of Bank Ac c ount thr
• ugh a Mic r
• - AT

M base d on Aadhaar authe ntic ation – huge ly e mpowe r ing to the unbanke d

• 1. T

he Aadhaar e - KYC se r vic e instantane ously pr

• vide s basic data (name ,

addr e ss, date of bir th, ge nde r , photogr aph) of the be ne fic iar y to the Bank upon suc c e ssful Aadhaar authe ntic ation.

• 1. T

he e - KYC se r vic e c an sc ale up to lakhs of tr ansac tions on a daily basis

• 2. Pr
• vide s c onve nie nc e to the unbanke d. E

nable s ope ning of lar ge numbe r

• f bank ac c ounts on sc ale .

AADHAAR AS E

• KYC SE

RVICE

DI RE CT BE NE F I T T RANSF E R AND AADHAAR

All dire c t c a sh tra nsfe rs into o ne a c c o unt

26 Aa dha a r Pa yme nts Bridg e

Multiple Sc he me s One Aa dha a r linke d a c c o unt

APB Compa tible with CPSMS

1111 2222 3333

E nd-to -E nd Dire c t Be ne fit T ra nsfe r E na b le d b y Aa dha a r

Pe nsion MGNRE GA Sc holar ship

xxxxx

• ---- -----

Ra dha 111122223333 xxxxx yyyyy

• ---- -----

Ra dha 111122223333 xxxc c c c

• ---- -----

Ra dha 111122223333

Bank 1111 2222 3333

• 1. Aadhaar

to de - duplic ate database s

• 4. Withdr

aw fr

• m any

Mic r

• AT

M – Choic e and Conve nie nc e

• 2. Aadhaar

as KYC to ope n bank ac c ount

Aa dha a r Pa yme nt Bridg e

• 3. Aadhaar

as a payme nt de stination

• Bank Ac c ount por

tability

• Many sc he me s, one Aadhaar

linke d bank ac c ount

• 5. Auditability and tr

ac e ability of tr ansac tion

Mic ro -AT M tra nsa c tio ns

1.

HANDHE L D DE VI CE AND BAT T E RY POWE RE D

2.

ONL I NE CONNE CT I VI T Y T HROUGH MOBI L E NE T WORK

3.

MI CRO-AT M ST ANDARDS SE T BY RBI AND I BA (MANUF ACT URE D BY MUL T I PL E VE NDORS)

4.

BI OME T RI C SCANNE RS ARE CE RT I F I E D

5.

I NT E ROPE RABL E DE VI CE S AND CAN WORK F OR ANY BANK AND ANY BC

T

• tal online tr

ansac tion time le ss than 15 se c onds – Ve r ifie d on the gr

• und fr
• m T

r ipur a, Jhar khand, Mahar ashtr a, and Andhr a Pr ade sh

• 4. Authe ntic a te
• 2. AADHAAR numb e r, mo ne y tra nsfe r

instruc tio n, b io me tric s

Co nve nie nt c a sh withdra wa l

29

Re side nt BC with Mic ro- AT M Ra m’s ba nk a c c ount BC’s ba nk a c c ount Inte rope ra ble Switc h

• 1. Withdra wa l re q ue st
• 3. F
• rwa rd to switc h
• 6. De bit
• 7. Cr

e dit

• 8. I

nfo rm: Ca ll / SMS

• 9. Ca sh

UIDAI

• 5. Autho rize

NPCI

Nat’l Payme nt Cor p of India ID Mappe r

Authe ntic a tion Me rc ha nt Ba nk Ra m’s Ba nk

Kir ana w Mic r

• AT

M SMS Ram

Ram Withdr aws Cash at His Own Village

Mobile Ne twor k

• 4. Authenticate and

execute

• 2. Mo ne y tra nsfe r instruc tio n + b io me tric s

I nc lusive c o nve nie nc e b a nking

31

Re side nt - Ram UID 2563 8564 4663 BC (K ira na , SHG, PO e tc )) With Mic ro -AT M UI D: 7233 5968 3094

T ra nsfe rMone y F rom UI

D 2653 8564 4663

T

• UI

D 7233 5968 3094 Amo unt 300 Ra m’ s b a nk a / c BC’ s b a nk a / c NPCI switc h I D ma ppe r

• 1. Withdrawal request

3.NPCI re q ue st

• 5. Authe ntic a te
• 6. De bit
• 7. Cr

e dit

• 8. I

nfo - I VRS/ SMS

• 9. Cash

BC Any mic r

• AT

M Any Bank

 E

nro llme nt Syste m

 Aa dha a r – ra ndo m numb e r with no info rma tio n  Da ta e nc rypte d a t so urc e – E

nro llme nt c lie nt

 All pa c ke ts b io me tric a lly sig ne d b y o pe ra to r  Ra w b io me tric s ne ve r sto re d in c le a r a nd de c rypte d o nly whe n

ne e de d

 Da ta pa rtitio ne d a c ro ss multiple se c urity “zo ne s”

 Authe ntic a tio n Syste m

 Auth re spo nse – o nly YE

S/ NO

 AUA a nd ASA pe rime te rs  Suppo rts F

e de ra te d Auth mo de l

Da ta Priva c y a nd Se c urity

Ba nks

 T

he Aa dha a r numb e r is a fo rm o f e mpo we rme nt to tho se who ha d no pro o f o f fo rma l ide ntity

 E

mpo we rme nt is a c hie ve d b y pro viding a c c e ss, c ho ic e , e mpo we rme nt a nd c o nve nie nc e

 Go ve rnme nt spe nds la rg e a mo unts o n so c ia l we lfa re

pro g ra mme s

T

• c o nc lude …

 Ob lig a tio n o n Sta te to ha ve the c a pa c ity to e nsure e ffe c tive

imple me nta tio n a s we ll a s re duc e le a ka g e a nd c o rruptio n. T he e xpe nditure sho uld re a c h the inte nde d b e ne fic ia ry

 T

he Aa dha a r pro je c t is one of the me ans b y whic h e ffic ie nt de live ry o f se rvic e a nd inc lusio n with a c c e ss c a n b e e nha nc e d.

• E

xte nsive use o f da ta a na lytic s to o ls to impro ve mo nito ring o f imple me nta tio n

T he impa c t…

Digital Ide ntity

L

• c al

L anguage Conte nt Cr e dit Re gistr ie s Digital / Online Payme nt Mobile Comme r c e Insur anc e , banking Govt. Se r vic e s Soc ial Ne twor ks

Aa dha a r ide ntity pla tfo rm a nd Aa dha a r e na b le d a pplic a tio ns c a n he lp a b illio n pe o ple to pa rtic ipa te in dig ita l e c o no my a nd a va il se rvic e s ta ilo re d to the m!

T hank You