the aadhaar project
DESCRIPTION
The Aadhaar Project. NANDAN NILEKANI CHAIRMAN UNIQUE IDENTIFICTION Authority of India. Overall mandate of the Aadhaar Project Aadhaar and it’s potential Direct Benefit Transfer and Aadhaar. WHY AADHAAR FOR INDIA. ONLY 50 MILLION INDIAN HOLD PASSPORT - PowerPoint PPT PresentationTRANSCRIPT
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The Aadhaar Project
NANDAN NILEKANICHAIRMAN UNIQUE IDENTIFICTION AUTHORITY OF INDIA
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• OVERALL MANDATE OF THE AADHAAR PROJECT
• AADHAAR AND IT’S POTENTIAL
• DIRECT BENEFIT TRANSFER AND AADHAAR
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ONLY 50 MILLION INDIAN HOLD PASSPORT CLOSE TO 100 MILLION HOLD PAN CARD CLOSE OF 200 MILLION HAVE DRIVING LICENSE VAST SECTION OF POPULATION DON’T HAVE ANY ID
PROOF
WHY AADHAAR FOR INDIA
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Providing a formal identity proof to millions of residents This identity proof would be a gateway to access services Need to streamline government expenditure – cut
wastage and leakage Need for a transparent and accountable system of public
expenditure Social inclusion project with a developmental focus
Context of Aadhaar
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UIDAI issues Aadhaar numbers…
UID = 1568 3647 6218
UID Unique number Random number
Basic demographic data and biometrics stored
Standardized identity attributes
No duplicates(1:N check)
Minimal demographic data collected
NameParentsGenderDoBPoBAddress
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… and authenticate IDs online, real-time
UID = 1568 3647 4958
Central UID database1:1 check, no ID fraudOnly YES/NO response, no details – no invasion of privacyPerson can see self-details, no one else can
Authentication - ‘Are you who you claim to be?’
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UIDAI started issuing Aadhaar in Sept 2010
Over 320 million Aadhaars issued so far
Over 380 million residents enrolled
Target is 600 million by 2014
Where are we today…
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AADHAAR GENERATION STATUS STATE WISE
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Letter Delivery
Aadhaar Letter
Printing
Registrar System
Contract Center System
NPCI
Enrolling Agency
Operator Cert
Training Agency
Device Testing &
CertASA Auth User
Agencies
Device Testing &
Cert
Biometric SystemABIS 1 ABIS 2 ABIS 3
Biometric Middleware
Enrollment Authentication
Partner Ecosystem
Enrollment Ecosystem
Authentication Ecosystem
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ScaleGeographically – Daily Operations across India
25,000+ stations deployedSpeed
~1m/day mark reached in less than 18 months of 1st Aadhaar Generated
Operations ModelPublic (Registrar) -Private ( Enrollment Agency) partnership driven
Dimensions of the Aadhaar Project
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Persistent Store BI & Analytics
SEDA Stages
Biometric System
BiometricServer 1
BiometricServer 2
BiometricServer 3
Structure Validation
Demographic Validation
Operator Validation
Biometric Validation
ABIS Coord
Aadhaar Technology
Field Enrollments Central ID Repository – Data Center
Enrollment Packets
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Enrolment centre, Andhra Pradesh
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Enrolment Centre, Jharkhand
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Enrolment Centre, Puducherry
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Aadhaar and it’s potential
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Transactions normally require verification of identity Aadhaar online authentication will provide a common
platform which can be used across all transactions and other applications.
Entitlements should reach the intended beneficiary – non-transferability can be ensured
This can be effectively done by authentication at the point of service delivery
Many sectors will be able to use as a proof of presence for the beneficiary
Service Delivery potential due to Authentication
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Identity
• Unique identity to every resident of India which is nationally valid – especially useful for those who have no proof of identity
Mobility• Aadhaar authentication because of its on-line nature can also be
verified anytime, anywhere.
Gateway to
Services
• As Aadhaar can become a KYC for a whole range of products and services (bank accounts, mobile connections, LPG connections, state Govt. services, insurance, etc)
Empowerment, Choice and Convenience
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Aadhaar Applicati
ons in States
Jharkhand
MG-NREGA,Scholars
hipsAndhra Pradesh
PDS
Maharashtra
Social Security Pensions
Karnataka
LPG Subsidy
SikkimEmployee Salary
TripuraOld Age Pension
Aadhaar based government application pilots – Country wide spread
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MNREGA payments through Micro-ATM in Jharkhand
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PDS delivery based on Aadhaar Authentication in East Godavari, Andhra Pradesh
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Old age pension payment in Tripura
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• Open Bank Accounts using Aadhaar – Sufficient KYC• Existing Bank Account can be linked to Aadhaar numberAccess
• Transfer funds to Aadhaar Enabled Accounts• Simplifies disbursal of funds – uses only one account for all
disbursals – Convenience for the beneficiaryAddress• Withdrawal and deposit, check balance• End to end auditability and traceability• Inter-operable, portable anytime anywhere• Better than local, non-interoperable solutions that limit choice
Transactions
AADHAAR PLATFORM FOR BANKING
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Mobile connections Bank A/Cs, Insurance, etc.
State Government Services
Aadhaar accepted as KYC for various services
1 2
4
LPG Connections3
Train Travel5?
Many other services…
6
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1.“Instant” Opening of Bank Account through a Micro-ATM based on Aadhaar authentication – hugely empowering to the unbanked
2.The Aadhaar e-KYC service instantaneously provides basic data (name, address, date of birth, gender, photograph) of the beneficiary to the Bank upon successful Aadhaar authentication.
3.The e-KYC service can scale up to lakhs of transactions on a daily basis
4.Provides convenience to the unbanked. Enables opening of large number of bank accounts on scale.
AADHAAR AS E-KYC SERVICE
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DIRECT BENEFIT TRANSFER AND AADHAAR
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All direct cash transfers into one account
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Aadhaar Payments Bridge
Multiple Schemes
One Aadhaarlinkedaccount
APB Compatible with CPSMS
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1111 2222 3333
End-to-End Direct Benefit Transfer Enabled by Aadhaar
Pension
MGNREGA
Scholarship
xxxxx----- -----
Radha 111122223333
xxxxxyyyyy----- -----
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
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Micro-ATM transactions1. HANDHELD DEVICE AND BATTERY POWERED2. ONLINE CONNECTIVITY THROUGH MOBILE
NETWORK3. MICRO-ATM STANDARDS SET BY RBI AND IBA
(MANUFACTURED BY MULTIPLE VENDORS)4. BIOMETRIC SCANNERS ARE CERTIFIED5. INTEROPERABLE DEVICES AND CAN WORK
FOR ANY BANK AND ANY BC
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Total online transaction time less than 15 seconds – Verified on the ground from Tripura, Jharkhand, Maharashtra, and Andhra Pradesh
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4. Authenticate
2. AADHAAR number, money transfer instruction, biometrics
Convenient cash withdrawal
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Resident
BC with Micro-ATM
Ram’s bank account
BC’s bank account
Interoperable Switch
1. Withdrawal request
3. Forward to switch
6. Debit
7. Credit
8. Inform: Call / SMS
9. Cash
UIDAI
5. Authorize
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NPCINat’l
PaymentCorp of India
IDMapper
Authentication
Merchant Bank
Ram’s Bank
Kirana w MicroATM
SMS
Debit – Rs
300
Ram
Credit – Rs 300
Ram Withdraws Cash at His Own Village
Mobile Network
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4. Authenticate and execute
2. Money transfer instruction + biometrics
Inclusive convenience banking
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Resident - RamUID 2563 8564 4663
BC (Kirana, SHG, PO etc))With Micro-ATMUID: 7233 5968 3094
TransferMoneyFrom UID 2653 8564 4663To UID 7233 5968 3094Amount 300
Ram’s bank a/c
BC’s bank a/c
NPCI switch
ID mapper
1. Withdrawal request
3.NPCI request
5. Authenticate
6. Debit
7. Credit
8. Info- IVRS/ SMS
9. Cash
BCAny
micro-ATM
Any Ban
k
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Enrollment System Aadhaar – random number with no information Data encrypted at source – Enrollment client All packets biometrically signed by operator Raw biometrics never stored in clear and decrypted only when
needed Data partitioned across multiple security “zones”
Authentication System Auth response – only YES/NO AUA and ASA perimeters Supports Federated Auth model
Data Privacy and Security
Banks
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The Aadhaar number is a form of empowerment to those who had no proof of formal identity
Empowerment is achieved by providing access, choice, empowerment and convenience
Government spends large amounts on social welfare programmes
To conclude…
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Obligation on State to have the capacity to ensure effective implementation as well as reduce leakage and corruption. The expenditure should reach the intended beneficiary
The Aadhaar project is one of the means by which efficient delivery of service and inclusion with access can be enhanced.
• Extensive use of data analytics tools to improve monitoring of implementation
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The impact…
Digital Identit
y
Local Language Content
Credit Registries
Digital / Online
Payment
Mobile Commerc
eInsurance, banking
Govt. Services
Social Networks
Aadhaar identity platform and Aadhaar enabled
applicationscan help a billion people
to participate in digital economy
and avail services tailored to them!
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Thank You