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Aditya Pal Product Manager Application & Authentication Division Unique Identification Authority of India Aadhaar Enabled Applications October 2015 1
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Aditya PalProduct Manager

Application & Authentication Division

Unique Identification Authority of India

Aadhaar Enabled ApplicationsOctober 2015

1

Aadhaar Vision

To empower residents of India with a unique identity and a digital platform to authenticate anytime, anywhere

2

Overview of Aadhaar

• UIDAI was established by Govt. of India in 2009 as attachedoffice under the then Planning Commission (now NITI Aayog)

• Aadhaar ensures Uniqueness through biometric attributes(Fingerprint/ Iris)

• 93 Crore Aadhaar numbers issued as on date

• Aadhaar Saturation among Adult population is more than 93%

• Services offered are “Authentication” and “e-KYC”

• Online authentication platform is capable of handling 10 Croretransactions per day

• Since inception of Aadhaar authentication services, almost 100Crore Aadhaar Authentication transactions have taken placeincluding 5.3 Crore eKYC transactions

3

Features of Aadhaar

Random 12-digit Number – No Intelligence, No Profiling, VerhoeffAlgorithm

Only a Number – No Smart Cards

All Residents – Including Children

Uniqueness – Ensured through biometric attributes

No Guarantee to Citizenship, Rights, Entitlements

Security and Privacy of Information Collected

Ubiquitous Online Authentication – From no ID to Online ID

4

Aadhaar Enrolment

5

Name

Address

Gender

Date of birth

Optional:MobileEmail

1 person1 number

4 demographics + biometrics = 1 unique Aadhaar number

Photo

Both

iris

10 finger-

prints

6

Standardized identity attributes

No duplicates(1:N check)

Minimal demographic data collected

UID = 1568 3647 6218

Basic demographic

data and biometrics

stored

6

Enrolment

• UIDAI started issuing Aadhaar in Sept 2010

• 24 States/UT allocated to UIDAI & 12 States/UT to RGI

• More than 93 Crore Aadhaar generated so far

• Aadhaar saturation among adults is more than 93%across India

• Enrolment in Camp mode

– Organized camps across India for enrolment

• More than 12,000 permanent enrolment centers

7

Enrolment

• Child Enrolment Client Lite

– To help quickly enroll children below 5 years

– Biometrics are not required / captured

– Hassel free enrolment, minimum details are captured

– Only one document required - Proof of Relationship

– Portable device for better reach

– Almost 1.9 Lakh children enrolled so far through CELC

• Grievance handling using various modes

– Regional Offices

– Toll Free IVRS (1800 300 1947)

– Helpdesk email ([email protected])

– Online complaint at Resident Portal8

Update details in Aadhaar

All the details including demographics, biometrics and photo canbe updated by the resident

• PECs / Aadhaar Kendra– Details can be updated after biometric authentication and with required

documents at any of the PEC

– Update Client Lite is available for updating mobile, email & consent

• SSUP (Self Service Update Portal)– Requires registered mobile number for OTP

– Demographics including mobile, email can be updated

• By Post– Resident can also send demographics update request by Post

• Mobile Update API– Made available to selected AUAs / Enrolment Agencies

– Resident can update Mobile, Email & consent easily9

Aadhaar Verification

• Online service available for everyone• One Aadhaar number can be verified at a time• Verifies if an Aadhaar Number exists or invalid

Aadhaar• Additionally, confirms the Age band, Gender and

State• Aadhaar number and Captcha (randomly generated)

is required for verification of Aadhaar

10

Value Propositions

• Absence of a robust ID utility in the country

• Cleaning existing service delivery databases via uniqueness

• Enabler for efficient delivery of services

11

Uniqueness

A lifelong 12-digit unique number which can act as a primary identifier throughout the life of an individual. Uniqueness ensured through

biometrics

The Aadhaar platform using the world’s most sophisticated

technology ensures that every resident gets one and only one

number.

12

Aadhaar as Financial Address

NPCI

SBIICICI

Sponsor Bank 1

Department 1 Name Aadhaar Amount

Sachin 2567 8765 4567 1000

Rahul 4252 6537 6655 1500

Aadhaar Bank

2567 8765 4567 SBI

4252 6537 6655 ICICI

Name Aadhaar AC No

Sachin 2567 8765 4567 12345678

Name Aadhaar AC No

Rahul 4252 6537 6655 56742344

Sponsor Bank 2

Department 2 Name Aadhaar Amount

Sachin 2567 8765 4567 800

Rahul 4252 6537 6655 200

ICICI AC No 56742344

Credit / Dept 1 Rs 1500

Credit /Dept 2 Rs 200

Rahul

SBI AC No 12345678

Credit / Dept 1 Rs 1000

Credit /Dept 2 Rs 800

Sachin

13

Authentication (Online verification)

Authentication is on-line verification of a person’s identity anywhere in the country by various means (Biometric – Fingerprint

and Iris, demographic, and One Time Password to registered mobile phone or

email id)

14

Authentication

NAME, GENDER, DoB . . .

YES or

NO

and/or

and/or

BIOMETRIC

Demogrpahic

OTP

Electronic

Aadhaar No:

2222 3333

4444

15

Need for Aadhaar Authentication

• Establishing “proof of presence” is critical for anyprivate or public service

• Identity verification at Ration Shop, LPG Distributor,Bank, MNREGA worker, Pensioner etc.

• Ensure easy integration with service deliveryapplications through platform architecture

• Highly secure platform to ensure data privacy

16

E-KYC platform

e-KYC Services provide a platform for electronic verification of Identity and

Address in electronic format for instant, efficient and secure service delivery

17

e-KYC

and/or

BIOMETRIC

OTP

ElectronicAadhaar No:

2222 3333

4444

• Name• Date of Birth• Gender• Address• Photograph

18

Aadhaar Authentication – Participants & Transaction

Aadhaar Holders

Residents who have obtained their Aadhaar

number

Authentication Devices

Point of initiation of Aadhaar authentication transaction e.g., PCs, kiosks, handheld

devices etc

Authentication User Agency (AUA)

Agency that uses Aadhaar authentication to enable its

services

Aadhaar Holder Authentication

DevicesAUA ASA UIDAI’s

CIDR

Authentication Request

Service Delivery Necessary Updates

& Confirmation

567

1 2 3

4

Yes / No

Response

Authentication Service Agency (ASA)

Agency that has secured leased line connectivity with

CIDR

Unique Identification Authority of India

Offers online authentication

Sub Auth. User Agency (Sub AUA)

Agencies that access Aadhaar authentication through an existing AUA

19

Authentication Ecosystem (Overview)

Aadhaar Holder

Auth

Server

Leased lines

ASA

ASA

ASA

ASA

ASA

AUA

AUA

UIDAI Data Centre

Sub-AUA

Authentication Devices

20

Transaction Aug (In Cr) Sept (In Cr) 24th Oct (In Cr) Total (In Cr)

Authentication 6.8 9.18 9.37 97.4

Unique IDs 2.4 3.7 3.8 29.2

eKYC 0.4 0.4 0.32 5.2

Unique IDs 0.2 0.2 0.16 3.1

Authentication Statistics (All Modalities)

328 317413

477

705599

863

680

918

0

200

400

600

800

1000

Jan,15 Feb,15 Mar,15 Apr,15 May,15 Jun,15 Jul,15 Aug,15 Sept,15

Transactions (In Lakh)

24.6%

18.8%

9.7%

3.5%

15.1%

2.1%

17.5%

Dept of Post (MNREGA, Welfare Pension)

F&CS Dept GoAP (AEPDS)

IT&C, AP (AEPDS)

DoIT-Jharkhand (AEPDS, AEBAS MNREGA)

NIC (AEBAS)

CSC (AEPDS Delhi, Card printing)

Banks (80 Banks)

Bio-metric transactions (July-Sept)

Almost 16.36 Crore Biometric Transactions during July - Sept

72%

Growth of Biometric Devices

71344

77499

8851197283

110117121304

134512

0

20000

40000

60000

80000

100000

120000

140000

160000

Jan Feb Mar Apr May Jun July

23

Aadhaar Seeding

24

What is Seeding ?

Aadhaar Seeding is a process bywhich UIDs of consenting residentsare accurately included in the servicedelivery database of service providers

25

Why Seeding?

To facilitate Aadhaar Enabled Service Delivery

To enable residents to easily establish their identity and claimtheir benefits/obtain services.

De-duplication of Database and Leakage Prevention

Increase Reach and Efficiency in delivering goods and services

No repeated KYC checks on beneficiaries

26

• Digitization of beneficiary database

Digitization

• Beneficiary database should be centralized

Centralization

• Targeted Aadhaar enrollment of beneficiaries

Aadhaar Saturation

• (12-digit) data field and/or

• EID number* (28-digit) field

Provision for Aadhaar

Pre-requisites for Aadhaar Seeding

27

Collect and Verify : Seeding Process

Collect Aadhaar

Validate Beneficiary

Details against Aadhaar Data

Link Aadhaar in Service

Provider’s Database

28

Collection of

Aadhaar

Aadhaar

Letter/PrintedeAadhaar

SMS

Dropbox

Portal

IVRS

Camp

Door to door

29

Seeding Data Verification Tools

30

1. Demographica. Single Authenticationb. Bulk Demographic Authentication

2. Biometric Authenticationa. Fingerprint Authenticationb. Iris Authentication

3. DBT Seeding Data Viewer (DSDV)

DSDV (DBT Seeding Data Viewer)

1. Service provider can view the demographic detailsand photograph available in UIDAI database (CIDR)by entering UID / EID of the beneficiary

2. The operator will match the above demographicdetails with those available in the service providerdatabase

3. If matched, Aadhaar is seeded in the serviceprovider’s database

4. Can only be accessed from a white listed IP AddressOperator to authenticate himself with UIDAI

5. Physical presence of resident is not required6. Available to Central and State Government

Organizations, and Banks which are Live AUAs 31

AADHAAR PAYMENT BRIDGE

Distribution of Electronic Benefit transfer (crediting the bank accounts of

the beneficiaries as identified from the UID number – eliminating thereby

payment leakages) called Aadhaar Payments Bridge

32

1111 2222 3333

End-to-End Direct Benefit Transfer Enabled by Aadhaar

Pension

MGNREGA

Scholarship

xxxxx

----- -----

Radha 111122223333

xxxxx

yyyyy

----- -----

Radha 111122223333

xxxcccc

----- -----

Radha 111122223333

Bank

1111 2222 3333

1. Aadhaar to

de-duplicate

databases

4. Withdraw from

any MicroATM –

Choice and

Convenience

2. Aadhaar as KYC to open

bank account

Aadhaar Payment Bridge

3. Aadhaar as a payment destination

- Bank Account portability

- Many schemes, one Aadhaar linked

bank account

5. Auditability and traceability of transaction

33

All G2P payments into one account

Aadhaar Payments Bridge (with Account Mapper)

Multiple

Schemes

One

Aadhaar

linked

account

34

AADHAAR ENABLED PAYMENT SYSTEM

Providing basic financial services ( cash deposit, balance enquiry,

cash withdrawal and remittance ) at low cost access devices (called

Micro-ATMs) maintained at Business correspondents in an inter-

operable way called Aadhaar Enabled Payment System

35

AEPS – Architecture

Customer Inputs:1.AADHAAR Number2.Amount3.Finger Print Data

Acquirer Bank FI Switch

Bank CBS

UIDAI

NPCICentral Switch

(AEPS)

2

3 4

9

6 7

Issuer Bank FI Switch

5

8

1 01

Biometric and Encryption Standards are Prescribed by UIDAI

Authentication is done by UIDAI and Switching, Clearing and Settlement is performed by NPCI

36

DepositRemittanceSeeding

Balance enquiryWithdrawalA/c Opening

Aadhaar enabled micropayments for inclusive banking

Inclusive banking

Business Correspondents Micro-ATM Aadhaar authentication

37

Major Aadhaar Enabled Applications

DOP : Dis of Pension

DOP : Dis of MGNREGA

wages AePDS

AeBAS : Centre +

States

Pahal - LPGIncome Tax: e-

filingJeevan

PramaanPassport Seva

Kendra

Banks, PMJDY and BCs

DBT, Pension, Scholarships

eSign

38

Applications using Aadhaar Biometrics Authentication

Service delivery agencies authenticate residents using one of the biometric,

either iris or fingerprint at the point of delivery.

Biometric authentication is used for:

Providing Ration at PDS Pension Payments MGNREGS Payments

Managing Attendance Adding New BeneficiariesFinancial Transactions

39

AePDS Implementation

StateTotal Members

(Lakh)

Seeded with Aadhaar

(Lakh)Total FPS

FPS with AePDS

Average txns per

day

Andhra Pradesh

385.8 363.5 27,226 11,464 1,77,682

Jharkhand 254 8 23,614 1,986 695

Delhi 65.3 65.3 2,435 42 747

Telangana 287.7 269.8 17,163 20 278

Himachal Pradesh

77.9 44.2 4800 10

• Nearly 100 Crore Beneficiaries

• ~ 19 Crore beneficiaries seeded with Aadhaar

40• Rajasthan to start in the last week of September

AePDS Implementation in AP

• Rolled out in all 13 districts in AP (11,464 out of

27,226 FPS)

• About 30% reduction in number of beneficiaries after

seeding

• Full portability – draw ration from any FPS

• Implemented at all 2155 FPS in Krishna District

– Estimated Annual Savings of Rs 96.62Cr (Reported Krishna

dist) (4.4 Lakhs/FPS)

41

Way Forward :AePDS Implementation

• Aadhaar Seeding to be completed in PDS

• Identify the model adopted by state

– POS based – Assistance in DPR and RFP

– DBT – Coordination with NPCI and Banks

• Pilot in One district in every state within two months

42

Direct Benefit Transfer in LPG

• DBTL is implemented across India

• Out of 16.12 crore Beneficiaries, 60% have been seededwith Aadhaar

• Almost 5 Crore Transactions every month over APB

• 57.55 Crore Transactions using Aadhaar Payment Bridge(APB) so far

• Almost Rs 15,959 Crore have been transferred using APB

• 36.7% of beneficiaries getting subsidy through AccountBased Transfer

• Failure rate of account based transfer is 6 times more thanthat of using APB (0.87% compared to 0.15% on Aadhaar)

43

PMJDY & Banks

• 18.96 crore Bank accounts opened since the launch ofPMJDY

• 7.97 Crore PMJDY accounts have been seeded withAadhaar

• Total of 21.77 crores bank accounts have been seededwith Aadhaar

• Banks have opened 1.2 crore accounts using eKYC

• 4.23 Crore AEPS transactions have been done

• 702 Banks are Live on Aadhaar Payment Bridge

• 101 Banks are Live on Aadhaar Enabled Payment System

44

MNREGA

• Implemented in 300 districts

• Out of 9 crore Active MNREGA workers, more than50% are seeded with Aadhaar

• So far 1.82 Crore payments made using AadhaarPayment Bridge

To be done:

• Aadhaar seeding to be completed

• Expand across India

45

Aadhaar integration in Income Tax

Income Tax using Auth, e-KYC & Seeding

• Authentication of Tax Payer during e-filing returns

• Seeding of Aadhaar in PAN database

• Services started on 13th July 2015

• Almost 1 Lakh / day Demographic Authentication

• Nearly 25,000 people are e-filing IT return daily usingAadhaar based OTP Auth

• Nearly 50 Lakh have filed return using Aadhaar

46

Aadhaar integration in Income Tax

• Benefits to Residents:

– No need to send paper copy of Acknowledgement

– Assured receipt of Acknowledgement

– Money & Time saving to submit Acknowledgement

• Benefits to Income Tax Dept:

– Processing of Acknowledgement not required

– No need of Data Entry of Acknowledgement

– No Paper Record Management for Acknowledgement

– Green initiative by saving paper

47

OPD registration in AIIMS using Aadhaar

• AIIMS launched Aadhaar based online registration and appointment portal on 11th June 2015

• Patient can now register online and take an appointment using Aadhaar based OTP authentication

• Benefits to Residents:

– Ease of OPD Registration, scheduling appointment

– Less waiting time

– Money & Time saving for multiple visits to hospital

• Benefits to AIIMS:

– Increased trust due to transparent online system & use of Aadhaar as Unique Identifier in the database

– Easy queue management

48

Aadhaar Mobile

• Resident can download the application on mobile

• Presently available on Android 4.0 and above

• Strong linkage between Aadhaar profile on mobile device and Registered mobile number

o Profile can be created only on mobile devices having registered mobile number

o Change of original SIM card will disable the local profile

• Using Aadhaar Mobile App, one can downloadhis/her Aadhaar Number, Demographic informationand Photograph from CIDR subsequent to necessaryverification

49

Aadhaar Mobile

• Share Aadhaar data with service providers through

o Barcode & QR Codes

o Near Field Communication (NFC)

o SMS (only to 5 digit short codes)

• Share e-Aadhaar letter with service providers by email

• Update local profile subsequent to data update throughexisting channels

• Ability to lock and temporarily unlock biometrics

• Receive event based notifications from UIDAI

• Possibly an alternative to printed Aadhaar letter & e-Aadhaar

50

Verification procedures

Data transfer to CIDR

CIDR

Rejections identified

Biometric De-duplication

UID Assignment

Certifications

Devices

Operators

Registrars

Enrollment planning

Selection of Enrollment Agencies

Enrolment Agency

Enrollment Kits

Operators, Supervisors

Letter Printing & Delivery

Setup Enrolment Centers

Devices, hardware, software, connectivity

People, admin support, logistics etc.

Grievance & Query Handling

Aadhaar End to End Process-flow

52


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