Aadhaar Enabled Service Delivery

UIDAIwww.uidai.gov.in

Context of UIDs in India

• Provision of a robust, reusable ID to those who do not have any ID proof

• To clean up existing databases of multiple and fake entries

• To Improve Targeting and Delivery of Services• To Reduce the cost of Delivery of Services

UIDAI’s Mandate

• To provide Unique ID Number to all Residents– Enrolment is a one time process for the resident– Establishes Uniqueness

• Provide online, cost-effective, ubiquitous authentication services across country– Authentication is transactional – Establishes identity– To be done at the time of availing a benefit

UIDAI issues unique IDs …

Property of UIDAI - Highly confidential4

UID = 1568 3647 4958 6218

UID Unique number Random number

Basic demographic data and biometrics stored centrally

Central UID database

Standardized identity attributes

No duplicates(1:N check)

Flexibility to partners on Know Your Resident (KYR)+

Name

Parents

Gender

DoB

PoB

Address

… and authenticate IDs online, real-time

Property of UIDAI - Highly confidential 5

UID = 1568 3647 4958 6218

Central UID database

1:1 check, no ID fraud

Only YES/NO response, no details – no invasion of privacy

Person can see self-details, no one else can

Authentication - ‘Are you who you claim to be?’

Universal ID, valid all India

Interoperable platform for multiple

applications

Identity verifiable through mobile and

online

Anywhere authentication

through demographics,

biometrics, or OTP

Only one number per person

6654 3212 9087

Can be linked to a bank a/c numbers,

mobile numbers, and other identifiers

Aadhaar : A flexible, national infrastructure

What is in a number?

Service Delivery Potential of Aadhaar

Service Delivery Potential of Aadhaar Number

• Uniqueness and Existence ensures no fakes or duplicates

• As a sufficient KYC for Opening of bank accounts and other financial products, Mobile Connections, LPG, State Govt. Programs

• Universal Address for a person• Enables breaking of database silos : Credit Bureau,

Medical Records• Provides resident-centric view of welfare programs

Service Delivery potential due to Authentication

• 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 domains will be able to use as a proof of presence for the beneficiary : Attendance, proxies in the examinations

Aadhaar Authentication

Current Challenges in ID AuthenticationCurrently most of the service agencies create physical identity tokens of type what the user has like Ration card, PAN card, NREGS Job card, Pension card etc which can be authenticated manually only.

Higher setup cost with limited scalability and it can only work in assisted mode.

Difficult to identify fake documents and copies

Cannot verify that the person carrying the identity token is indeed the same person

defined in the identity token except where photo is printed on the identity token

Difficult to identify misuse. No authentic audit trail and requires exhaustive

manual audit mechanism

In contrast AADHAAR ID Authentication relies on what the user is (biometrics) and a combination of what the user has and knows (OTP); is a digital and online form of authentication; and can function in self-service mode.

+ DemographicsNAME, GENDERDOB, Address, …

OTP*

=YES

OR NO

*OTP – One Time Pin

Aadhaar Authentication at a Glance

and/or*

and/or

*and/or – Single or multi-factor authentication

Aadhaar Authentication: Operating Model

UIDAI rolls out Authentication…

Key Actors in AuthenticationAuthentication User Agency (AUA): An AUA is any government / public / private legal

agency registered in India that seeks to use Aadhaar authentication for its services. An AUA is the principal agency that sends authentication requests to enable its services / business functions.An AUA connects to the CIDR through an ASA (either by becoming ASA on its own or contacting services of an existing ASA)

Authentication Service Agency (ASA): An ASA is an agency that establishes secure leased line connectivity to the CIDR to transmit authentication request on behalf of AUA’s and receive response back from CIDR. An ASA can serve more than one AUA.

First Aadhaar Issued: 29th September 2010First Authentication PoC: 23rd February 2011First live authentication transaction done in Jharkhand: 24th December 2011Authentication Rollout: 07th February 2012

UIDAI will not charge for Aadhaar authentication services till December 2013

Steps to become an AUA / ASAAuthentication User Agency (AUA)

Identify Business / Service Delivery Needs

Choose Authentication Type, Exception MechanismEngage with ASA for connectivity service

Send signed contract and supporting documents to UIDAI, fill online formsEnsure process and technology compliance with AUA checklistsComplete Aadhaar Seeding

Device procurement and deployment

Full Application development and testing

Go-live

http://www.uidai.gov.in/authMore details available on:

Authentication Service Agency (ASA)

Define Service Offering

Fill Online Forms, send signed contract and supporting documents to UIDAI

Establish leased line connectivity with CIDR

Ensure process and technology compliance with ASA checklists

Obtain approvals from UIDAI

Perform end-to-end testing

Go-live

Engage with AUA’s

Aadhaar Authentication Readiness

Aadhaar Holder Authentication Devices

AUA ASA MSPmanaging

CIDR

Authentication Request

Yes / No Response

Service Delivered Necessary Updates & Confirmation

567

1 2 3

4Yes / No

Response

Preparatory Activities

Ongoing Activities

Authentication Transaction

ASA Readiness• Contractual readiness• Process & Technology

Readiness

AUA Readiness• Contractual readiness• Process & Technology

Readiness

Authentication Devices Deployment

• Operator/merchant readiness• Device procurement &

integration

Exception Handling Monitoring & Audits

AUA SpecificCommunication Protocol

AUA/ASA SpecificCommunication Protocol

Https over secured leased line

Aadhaar and Financial Inclusion

Current Challenges

6 km walk to bus stop

Ram’s Thursday ordeal

14 km bus journey

2 hour wait at the bank and a frustrated bank clerk

2:30pm deadline

The return journey

Moneylender dues @ 5% pm

Ration from village kirana with remaining money

4. Authenticate

2. AADHAAR number, money transfer instruction, biometrics

Convenient cash withdrawalResident

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

Aadhaar platform for Banking

•Open Bank Accounts using Aadhaar

•Connect existing Bank Accounts

Access

•Transfer funds to Aadhaar Enabled Accounts

•Simplifies disbursal of funds – uses only one account for all disbursals

Address

•Withdrawal and deposit

•Check balance, peer to peer transfers

•Inter-operable, portable anytime anywhere

Transactions

Aadhaar accepted as …

PoI/PoA for mobile connections KYC for no frills bank A/Cs

Other applications to follow

Applications ecosystem

Key eco-system partners

State govern-ment & financial services

IT servicesConsulting

Financial servicesTelecom services

Enrolment hardwareOffline apps H/W Online Applications hardware

Logistics Greenfield apps and investor ecosystem

2009 201620152010 2011 2012 2013 2014

Wave 2: Initial application – PDS, NREGA, State services, energy, financial services

Central govt &registrars

Wave 1: Enrolment & infrastructure creation

Consumers

Wave 3: Mainstream applications - Healthcare, education, financial services and consumer applications including utility services and telecom

PPP & consumers

Wave 4: Next generation applications

Key funding source

Annu

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co-s

yste

m o

ppor

tuni

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($ B

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In Conclusion..• Aadhaar Authentication framework is ready• User entities need to re-engineer their

applications and systems to leverage this• Empanelment of Consultants and Software

Development firms by UIDAI to assist partners in developing Aadhaar based applications

• Creating an Aadhaar Authentication Ecosystem of ASA, AUAs, Device manufacturers

• The next one year will be a year of applications driven by Aadhaar authentication

• Let us join hands to benefit the common man

Thanks!