Aadhaar (Identity) Innovation ideas

Aadhaar Overview & Emerging Opportunities

1

Contents

1. Project Overview

2. Services for External Organizations

3. Opportunities – Current & Future

2

PROJECT OVERVIEW

3

Context of Aadhaar in India

• Need for a robust, reusable ID, especially to those who do not have any ID proof

• Clean up existing databases through uniqueness

• Reduce cost of delivery of services

4

ID Projects have usually been created for security / immigration objectives. However,

Aadhaar is a developmental initiative.

Aadhaar – The Foundation

5

RSBY insurance

Ba

nk A

/C

Issue rations

NREGA jobs

Verifying ID is a common challenge

6

NREGA jobs

ID Document == ID

Multiple service providers same resident

Establishing ID – Poor Man’s Problem Birth Record Address Proof Money to beat the

system Poverty Premium

X

XX

X

X

RSBY insurance

Cook

ing

gas

ID is the only focus of Aadhaar

7

Issue rations

NREGA jobs

Aadhaar is just an instrument

Guarantee to identity

No guarantee to rights

No guarantee to entitlements

Features of AadhaarOnly Numbers – No Cards

Random Numbers – No Intelligence

Standard Attributes – No Profiling

All Residents – Including Children

No Guarantees to Rights, Citizenship, Entitlements, etc

Uniqueness – Ensured through biometric attributes

De-novo creation of Resident Database

Ubiquitous Online Authentication – anytime anywhere

8

Name

Address

Gender

Date of birth1 person1 number

4 demographics* + 3 biometrics = 1 unique Aadhaar number

Photo

Bothiris

10 finger-prints

9* The resident’ mobile number and Email ID is optional information

Aadhaar Letter

10 10

Over-arching Goals & Design Choices

Inclusion Scalability Cost Speed

Open Source Platform Standards Inter-operable

11

Aadhaar is an electronic Identity

Unique Online Authenticable Portable Pan-India Designed as a service delivery platform

12

Efforts towards Inclusion

1. Transgender is a recognized Gender

2. Aadhaar for children, biometric collected after age 5

3. Date of Birth can be Approximate, Declared or Verified

4. Special provision to accommodate a person with biometric exceptions

5. Facility for “Introducer” based enrolment

6. Facility for “Head of Family” to introduce their family

13 13

Aadhaar - a life long Identity system

One number for a person, for life Number once issued, will not be re-used

Facility to update both demographic & biometric information Via web portal, post, permanent centres

14 14

Aadhaar ServicesAuthentication / Verification

1:1 matching of resident’s current data with that existing in UIDAI database

Demographic Authentication Name, Address, Gender, DoB

Biometric Authentication Finger / Iris

Electronic Authentication One-Time Password (OTP)

electronic Know Your Customer (eKYC) Online facility to transfer resident’s

information from UIDAI to an external organization, with resident’s explicit consent for such sharing

eKYC sharing to include: Name Address Gender DoB Photo Mobile and email

15

NAME, GENDER, DoB . . .

YES or

NO

Aadhaar Authentication at a Glance

and/or

and/or

Biometric

Demogrpahic

OTP

Electronic

16 16

1111 2222 3333

eKYC Service

Resident’s data flows directly to the

organization servers with audit trail

17

Aadhaar eKYC at a Glance

Resident with Aadhaar No.

Partner Organizations with eKYC Authentication Device

OPPORTUNITIES - CURRENT

18

Enabling Service DeliveryBenefits for Government and Residents

Improves efficiency of public

expenditure Easy accessibility of services by residents

19 19

Aadhaar Platform for Banking

• Open bank accounts using Aadhaar• Connect existing bank accounts

AccessAadhaar-enabled Bank

Account (AEBA)

• Transfer funds to Aadhaar-enabled accounts• Simplifies disbursal of funds – uses only one

account for all disbursals

AddressAadhaar Payments Bridge

(APB)

• Withdrawal and deposit• Check balance, peer-to-peer transfer• Inter-operable, portable, anytime, anywhere

TransactionsAadhaar-enabled Payment

System (AEPS)

20

Housing schemes

8 IAY

Streamline delivery of food

subsidy

7

Aided by ASHA worker

2School

payments

3

Merit Scholarship

Schemes

4

Life and health Insurance

5

Wages / Salary

6

Pension payments

9

PregnancyCare

1

AADHAAR-enabled bank

account

Aadhaar in Financial Inclusion

21

OPPORTUNITIES - FUTURE

22

Across a Conglomerate Corporate Group

23

Attendance / Presence Verification

Green/brown field projects deploy a large workforce of temporary manpower across sub-contractors

Impersonation of temporary workforce across sub-contractors is a common challenge

Deploying Aadhaar authentication attendance system can remove challenges of impersonation

Common Loyalty Program

Group’s having several companies involved in retail sales across the country

A common customer loyalty program across the group can be created by integrating customers’ Aadhaar number as a common identifier

A common loyalty program across the group can provide invaluable opportunities on consumer needs, demands and behaviour

Innovation Opportunities

24

Biometric Lock System

Biometric locks & door handles are being manufactured

The existing system requires creating the original database against which bio-auth can be done, making it expensive, difficult and inefficient for mass use

Bio-locks, integrating the Aadhaar Auth systems, can open the market for such products in hotels, common high-end households., and areas where restricted access is required

Aadhaar-Verified Surveys

Existing online surveys/polls are marred by their inability to know and control the participating audience

Owing to the above limitation, online surveys/polls are done largely on popular topics that affect a larger geographic area

Integrating Aadhaar’s eKYC service in an online poll, can make it possible to restrict the participating audience (based on their geographic location, gender and age group)

This increases the relevance of survey findings

Opens opportunity for conducting polls on more specific topics for specific target audience

Software Opportunities

25

Residents’ Health Record Register

Ability to uniquely identify a resident with his Aadhaar number opens opportunities to create a national infrastructure (database) of residents’ health, education & skills

While it is likely that the ownership of such registries may lie with the central government, it will create opportunity for large software companies to build & maintain these registries

Smaller opportunities to build and deploy systems for collecting & sharing information from various touch points (Eg. schools, hospitals) will also be created

Access to anonymised data from these registries will create opportunities for big data consulting, research, disease management, etc

Residents’ Skill & Education Register

Thank You

26