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collarlimabeansSécurité

23 févr. 2014 (il y a 2 années et 9 mois)

121 vue(s)

Aadhaar
-
enabled

Direct Benefits Transfer
Architecture



Unique Identification Authority of India

www.uidai.gov.in

July 22, 2013

Structure of the Presentation

Basic Concepts

Aadhaar Payments System (APB)

Aadhaar Enabled Payment Systems (AEPS)



What is APB?



Pre
-
requisites for APB Readiness



APB Processes



Roles & Responsibilities



What is AEPS?



Pre
-
requisites for AEPS Readiness



AEPS Processes



Roles & Responsibilities

Basic Terms/Concepts (1/2)


Aadhaar Payments Bridge (APB)


A common
infrastructure through which money can be
transferred to beneficiaries of various govt.
Schemes using just the Aadhaar number and
amount


Micro
-
ATM



A standard handheld device for BC
-
based transactions capable of using UIDAI’s
authentication system


Aadhaar Enabled Payments System (AEPS)


An
inter
-
operable network using which people can
conduct basic banking transactions through BCs
by using online biometric authentication of UIDAI



Authentication



Matching of Aadhaar no.
and biometrics with the data maintained in
the UIDAI’s back
-
end system to enable
residents to prove their identity electronically
for availing services and benefits


Sponsor Bank


Bank where the State/ District
maintains their account


Destination Bank



Bank where the
beneficiary account is maintained


Basic Terms/Concepts (2/2)

Enrolment Status Phase I


(
1/2
)

State Name

District Name

Total
Population

Total Aadhaar
Generated (Till
Last week)

Total Aadhaar
Generated (Till
Current Week)

Total Aadhaar
Generated
(Current Week)

% of
Population
Covered

Chandigarh

Chandigarh

1054686

837625

841807

4182

79.8%

Daman & Diu

Daman

190855

100922

101240

318

53.0%

Delhi

North East

2240749

1446384

1448924

2540

64.7%

Delhi

North West Delhi

3651261

3201465

3222625

21160

88.3%

Haryana

Ambala

1136784

838609

850867

12258

74.8%

Haryana

Sonipat

1480080

973548

985541

11993

66.6%

Jharkhand

Hazaribagh

1734005

1168327

1183982

15655

68.3%

Jharkhand

Ramgarh

949159

653921

663727

9806

69.9%

Jharkhand

Ranchi

2912022

1986334

2001148

14814

68.7%

Jharkhand

Seraikela
-
Kharsawan

1063458

659834

669838

10004

63.0%

Karnataka

Dharwad

1846993

1176133

1204282

28149

65.2%

Madhya
Pradesh

Hoshangabad

1240975

1038432

1044758

6326

84.2%

Maharashtra

Amravati

2887826

2041034

2075590

34556

71.9%

Maharashtra

Mumbai

12478447

9049391

9163522

114131

73.4%

Maharashtra

Nandurbar

1646177

865534

899264

33730

54.6%

Maharashtra

Pune

9426959

4764934

4862159

97225

51.6%

Punjab

Fatehgarh Sahib

599814

495327

497295

1968

82.9%

Punjab

Gurdaspur

2299026

1529401

1557230

27829

67.7%

Enrolment Status Phase I


Cont (
2/2
)

State Name

District Name

Total
Population

Total Aadhaar
Generated (Till
Last week)

Total Aadhaar
Generated (Till
Current Week)

Total Aadhaar
Generated
(Current Week)

% of
Population
Covered

Sikkim

East

281293

239986

240898

912

85.6%

Sikkim

West

136299

113257

113479

222

83.3%

Tripura

Dhalai

377988

316641

317755

1114

84.1%

Tripura

North Tripura

693281

537752

538685

933

77.7%

Tripura

South Tripura

875144

717126

717186

60

82.0%

Tripura

West Tripura

1724619

1400776

1401761

985

81.3%

Andhra Pradesh

Anantapur

4083315

3559156

3559883

727

87.2%

Andhra Pradesh

Chittoor

4170468

3726712

3749865

23153

89.9%

Andhra Pradesh

East Godavari

5151549

4791225

4807050

15825

93.3%

Andhra Pradesh

Hyderabad &
Rangareddy

9306634

9191792

9278664

86872

99.7%

Daman & Diu

Diu

52056

46147

46599

452

89.5%

Goa

North Goa

817761

718701

725890

7189

88.8%

Karnataka

Mysore

2994744

2692246

2696146

3900

90.0%

Karnataka

Tumkur

2681449

2392033

2395929

3896

89.4%

Kerala

Pathanamthitta

1195537

1073944

1078285

4341

90.2%

Kerala

Wayanad

816558

731765

733946

2181

89.9%

Maharashtra

Wardha

1296157

1103586

1107075

3489

85.4%

Pondicherry

Pondicherry

946600

861098

861175

77

91.0%

Punjab

SBS Nagar

614362

520698

522423

1725

85.0%

Madhya
Pradesh

East Nimar

1309443

1031234

1032605

1371

78.9%

Madhya
Pradesh

Harda

570302

441388

443841

2453

77.8%

Total

98259296

74019542

74740128

720586

76.1%

Enrolment Status Phase II


1/4

State Name

District Name

Total Population

Total Aadhaar
Generated (Till Last
week)

Total Aadhaar
Generated (Till
Current Week)

Total
Aadhaar
Generated
(Current
Week)

% of
Population
Covered

Andhra pradesh

Adilabad

2737738

2228899

2239158

10259

81.8%

Andhra pradesh

Cuddapah (YSR
Kadapa)

2884524

2223795

2268626

44831

78.6%

Andhra pradesh

Guntur

4889230

4317280

4338516

21236

88.7%

Andhra pradesh

Krishna

4529009

3935326

3949583

14257

87.2%

Andhra pradesh

Kurnool

4046601

1326761

1340405

13644

33.1%

Andhra pradesh

Nalgonda

3483648

1987903

2000201

12298

57.4%

Andhra pradesh

Srikakulam

2699471

2561317

2563319

2002

95.0%

Andhra pradesh

Vizianagaram

2342868

1115977

1118356

2379

47.7%

Bihar

Arwal

699563

33272

37291

4019

5.3%

Bihar

Sheikhpura

634927

57826

79523

21697

12.5%

Bihar

Sheohar

656916

21859

26650

4791

4.1%

Chhattisgarh

Dhamtari

799199

139886

150325

10439

18.8%

Chhattisgarh

Koriya

659039

77364

82535

5171

12.5%

Delhi

Central Delhi

578671

698639

700957

2318

121.1%

Delhi

East Delhi

1707725

1697475

1703070

5595

99.7%

Delhi

North Delhi

883418

808105

810320

2215

91.7%

Delhi

South Delhi

2733752

2078324

2088751

10427

76.4%

Delhi

South West Delhi

2292363

1905283

1909732

4449

83.3%

Delhi

West Delhi

2531583

2070048

2076803

6755

82.0%

Enrolment Status Phase II


2/4

Goa

South Goa

639962

545774

547212

1438

85.5%

Gujarat

Anand

2090276

306369

319322

12953

15.3%

Gujarat

Bhavnagar

2877961

511520

519148

7628

18.0%

Gujarat

Mahesana

2027727

486705

495391

8686

24.4%

Gujarat

Valsad

1703068

389624

393772

4148

23.1%

Himachal Pradesh

Kullu

437474

341030

343629

2599

78.5%

Himachal Pradesh

Solan

576670

424063

425224

1161

73.7%

Jharkhand

Bokaro

2061918

1285552

1294061

8509

62.8%

Jharkhand

Khunti

530299

365140

366686

1546

69.1%

Jharkhand

Lohardaga

461738

304695

308737

4042

66.9%

Kerala

Alappuzha

2121943

1774162

1783685

9523

84.1%

Kerala

Ernakulam

3279860

2705730

2713993

8263

82.7%

Kerala

Idukki

1107453

920987

924707

3720

83.5%

Kerala

Kannur

2525637

2008603

2018825

10222

79.9%

Kerala

Kottayam

1979384

1602088

1616644

14556

81.7%

Kerala

Kozhikode

3089543

2560983

2569463

8480

83.2%

Kerala

Palakkad

2810892

2205149

2226295

21146

79.2%

Kerala

Thiruvananthapuram

3307284

2601448

2609308

7860

78.9%

Kerala

Thrissur

3110327

2557511

2567398

9887

82.5%

State Name

District Name

Total Population

Total Aadhaar
Generated (Till Last
week)

Total Aadhaar
Generated (Till
Current Week)

Total
Aadhaar
Generated
(Current
Week)

% of
Population
Covered

Enrolment Status Phase II


3/4

State Name

District Name

Total Population

Total Aadhaar
Generated (Till Last
week)

Total Aadhaar
Generated (Till
Current Week)

Total
Aadhaar
Generated
(Current
Week)

% of
Population
Covered

Lakshadweep

Lakshadweep

64429

46411

46433

22

72.1%

Madhya Pradesh

Bhopal

2368145

1579612

1586807

7195

67.0%

Madhya Pradesh

Burhanpur

756993

541581

542424

843

71.7%

Madhya Pradesh

Jabalpur

2460714

1565229

1570392

5163

63.8%

Maharashtra

Aurangabad (MH)

3695928

1889887

1911234

21347

51.7%

Maharashtra

Gondiya

1322331

734891

745615

10724

56.4%

Maharashtra

Jalgaon

4224442

2372532

2401085

28553

56.8%

Maharashtra

Jalna

1958483

1061447

1064961

3514

54.4%

Maharashtra

Latur

2455543

1292295

1305767

13472

53.2%

Maharashtra

Ratnagiri

1612672

1006704

1008511

1807

62.5%

Odisha

Balangir

1648574

931529

935661

4132

56.8%

Odisha

Cuttack

2618708

1284596

1291969

7373

49.3%

Odisha

Puri

1697983

865992

875189

9197

51.5%

Odisha

Sonapur

652107

13465

13930

465

2.1%

Puducherry

Yanam

55616

25548

25837

289

46.5%

Punjab

Barnala

596294

450523

454018

3495

76.1%

Punjab

Jalandhar

2181753

1588521

1613941

25420

74.0%

Rajasthan

Jhunjhunun

2139658

976190

994304

18114

46.5%

Rajasthan

Kota

1950491

941203

950443

9240

48.7%

Rajasthan

Pali

2038533

696018

721233

25215

35.4%

Enrolment Status Phase II


4/4

State Name

District Name

Total Population

Total Aadhaar
Generated (Till Last
week)

Total Aadhaar
Generated (Till
Current Week)

Total
Aadhaar
Generated
(Current
Week)

% of
Population
Covered

Sikkim

North

43354

27690

27843

153

64.2%

Sikkim

South

146742

125289

125390

101

85.4%

Tamil Nadu

Ariyalur

752481

483224

483965

741

64.3%

Tamil Nadu

Pudukkottai

1618725

896370

897504

1134

55.4%

Tamil Nadu

Tiruchirappalli

2713858

1567820

1571774

3954

57.9%

Uttar Pradesh

Amethi

0

29952

34682

4730

NA

Uttar Pradesh

Chitrakoot

990626

37850

40917

3067

4.1%

Uttar Pradesh

Etawah

1579160

362203

368351

6148

23.3%

Uttar Pradesh

Rae Bareli

3404004

86449

95111

8662

2.8%

Uttar Pradesh

Sant Kabir Nagar

1714300

56594

58594

2000

3.4%

Uttar Pradesh

Shrawasti

1114615

80534

86478

5944

7.8%

Uttarakhand

Bageshwar

259840

25108

25513

405

9.8%

Uttarakhand

Champawat

259315

46213

50246

4033

19.4%

Uttarakhand

Tehri Garhwal

616409

22358

23075

717

3.7%

West Bengal

Haora

4841638

2683044

2689608

6564

55.6%

West Bengal

Koch Bihar

2822780

1469669

1475627

5958

52.3%

Himachal Pradesh

Bilaspur (HP)

382056

370922

371612

690

96.4%

Himachal Pradesh

Hamirpur (HP)

454293

469424

470134

710

102.7%

Himachal Pradesh

Mandi

999518

930175

932462

2287

91.7%

Himachal Pradesh

Una

521057

512171

512819

648

97.9%


Total



140263829

83329705

83929080

599375

59.8%

Preparatory/One
-
Time Steps


Government Departments
: Digitize
Beneficiary database and Seed Aadhaar
numbers. This will clean up databases and
make departments ready to use APB


Banks
: Open bank accounts or link existing
accounts with Aadhaar number. Populate
NPCI’s mapper (Aadhaar No


Bank ID)


National Payments Corporation of India
:
Maintain the Mapping of Aadhaar no and
Bank

Legends:

Aadhaar Enabled Direct Benefits Transfer

Government
Departments /
User Agency

Banks

Central
Mapper

/
NPCI

Ensure digitized/electronic
database of beneficiaries

Seed Aadhaar to clean up
databases and act as
financial address

Generate payment advise
file


Aadhaar no &
amount to be transferred

Electronically share file
with the Sponsor bank of
Department

Receive confirmation from
Sponsor bank on transfer
status / further action

All Banks communicate
Aadhaar no of all AEBA to
Central
Mapper

Sponsor Bank posts
payment advise file to
Central
Mapper

for all OFF
-
US transactions

Sponsor Bank updates
Department and takes
corrective action, if any

Maintain an updated
Central
Mapper

and
Aadhaar Payment Bridge
(APB)

Facilitate transfer/
settlement across banks

Update Sponsor Bank of
status & failures, if any

Resident

Open/Link Aadhaar
Enabled Bank Account
(AEBA) with any bank of
choice

Use Aadhaar
authentication (AEPS) or
other channels to
withdraw money

One
-
time activities

Recurring activities

Aadhaar Payments Bridge



How it works

Govt. Department prepares an electronic file containing
Aadhaar no and amount

Govt. Department sends the file to the bank where scheme
account is maintained

Bank sends to Aadhaar Payments Bridge (APB) (owned and
operated by NPCI)

APB routes money to the concerned banks. Banks credit
the money in beneficiaries’ accounts

Department can send SMS informing the beneficiary about
the money being sent. Banks can also send when the
money arrives in the accounts

APB Process

1.
Routing of Aadhaar Payments Bridge will be done basis Institute Identification Number (IIN) provided by
National Payments Corportation of India (NPCI) to participant banks

2.
Sponsor Banks will upload APB File onto NPCI server

3.
File will contain Aadhaar Number, Bank IIN, Amount & Job Referance Number

4.
NPCI will process uploaded files, prepare draweee bank files and generate settlement file

5.
Settlement file wil be posted to bank accounts with RBI

6.
Destination banks can download the incoming files for credit processing after the settlement file has been
processed

Advantages of APB to Departments


Removes fakes/ duplicates
from the beneficiaries list leading to savings


Eases the entire process for transferring benefits

as the Govt. just needs to know
the Aadhaar numbers of the beneficiaries without seeding bank account details in
every scheme database


Eliminate Errors/Frauds
as the resident is in control of his data at both ends
(Department and Bank). Direct linking ( of Domain ID with Bank Account) without
Aadhaar is a non
-
trivial problem.


Ensures Scalability

as each scheme does not require to populate their database
with bank account details. APB is a platform


Bank account changes do not affect
the transfer systems for various schemes


Resident
-
centric view of payments
under various schemes. This will enable
weeding out those people who may be availing LPG as well as Kerosene subsidy
and benefits of multiple schemes.


Digital audit trail & Transparency


Real time monitoring and efficient funds & program management


End
-
to
-
end transparency and accountability


Government

Bank

Customer
Service Point

Aadhaar

Pension ID

8384 8239 5837

3883923

4390 9203 9593

8592374

Aadhaar

Account

8384 8239 5837

27390239

4390 9203 9593

397802232

Aadhaar

MicroATM

8384 8239 5837

736509

4390 9203 9593

583902


Aadhaar linkage in the Government and Bank databases provides end
-
to
-
end visibility of
subsidy and benefits payments from Government to the beneficiaries.

16

Snapshot of Daily report


available to all stakeholders

Scheme Wise breakup dated 13
-
07
-
2013

Sl

No

Scheme Name

Bank Name

District

Volume

(
Nos
)

Amount(Rs.)

1

BHARAT PETROLEUM
CORPORATION LPG SUBSIDY

State Bank of India

Bombay

9,086

3,958,450.79

2

CPSMS

Bank of Maharashtra

Pune

1

700.00

3

HINDUSTAN PETROLEUM
CORPORATION LPG SUBSIDY

State Bank of India

Bombay

25,652

11,194,546.57

4

INDIAN OIL CORPORATION
LPG SUBSIDY

State Bank of India

Bombay

20,447

8,829,664.80

5

OLD AGE PENSION

State Bank of India

Puduchery

48,083

48,093,600.00

6

POST MATRIC SCHOLARSHIP
FOR OBC STUDENT

State Bank of India

Pune

19

42,915.00

State Bank of Patiala

Shimla

27

1,242,071.00

7

POST MATRIC SCHOLARSHIP
FOR SC STUDENT

ICICI Bank Ltd

barnala

8

33,440.00

Indian Bank

Puduchery

148

2,338,154.00

State Bank of Patiala

Shimla

59

2,886,553.00

8

POST MATRIC SCHOLARSHIP
FOR ST STUDENT

State Bank of Patiala

Shimla

4

220,921.00

9

RAJIV GANDHI NATIONAL
FELLOWSHIP

Indian Bank

Puduchery

46

853,600.00

10

UIDAI

Canara Bank

Chandigarh

18

18.00



Total





103,598

79,694,634.16

Advantage of APB to Beneficiaries


No need to open
multiple accounts
. Just open
one and link it to Aadhaar.



Residents
more comfortable in disclosing
only
the Aadhaar number to Govt. Agencies (e.g. LPG
Dealers) rather than bank account details



In case of change in bank account, resident
does
not need to convey account details
or change in
bank details
to each department that he deals
with


Roles and Responsibilities


1. Digitization of Data

2. Aadhaar Seeding with Schemes

3. Educating District/Block/
Panchayat

Level
Officials

4. Preparation of e
-
Payment Advice

5. Agreement with Banks






1. Open Aadhaar Enabled Bank Account

2. Link Aadhaar with Account Number

3. Integrate with NPCI

4. Update APB Mapper on periodic basis

4. Define Exception Handling Process

5. Define Escalation Matrix


6. Educate Branch Officials




1. Coordinate with State and Central Registrars
for Aadhaar Enrolment

2. Ensure timely generation of Aadhaar
Numbers

3. Provide Authentication Infrastructure


APB

Central/State Government

Banks

UIDAI

APB


Current Status


More than 100 banks live on APB including
Cooperative banks and RRBs


As of July 15, more than 25 lakh transactions
have taken place through APB since Jan 1 with
more than
Rs
. 200 cr. transferred


As on date, more than 1.55 cr.
Aadhar

numbers mapped at NPCI




APB
-

Important issues


State/ District to monitor that the files uploaded to banks are
processed the same day


Sponsor Bank is liable to provide a return file to State/ District
on a daily basis as NPCI generates a daily file


Procedure to be firmed up for records returned basis the
reason codes


NPCI charges 20 paise per transaction from Sponsor Bank for
inter
-
bank transactions. Number of banks in the country are
willing to absorb this charge


Push Sponsor Banks to send all transactions including intra
-
bank through APB in order to ensure end
-
to
-
end visibility


APB
-

Important issues


Aadhaar Numbers don’t start with 0 and 1


State are requested to incorporate Verhoeff algorithm to
ensure structural validity of the Aadhaar number


Structure of the Presentation

Context and Concepts

Aadhaar Payments System (APB)

Aadhaar Enabled Payment Systems (AEPS)



What is APB?



Pre
-
requisites for APB Readiness



APB Processes



Roles & Responsibilities



What is AEPS?



Pre
-
requisites for AEPS Readiness



AEPS Processes



Roles & Responsibilities

Convenient Cash Withdrawal Through AEPS

Beneficiary approaches a BC of any Bank
with her Aadhaar number

BC feeds the Aadhaar number, fingerprints
and amount in the micro
-
ATM

Aadhaar server authenticates the ID of
the resident.

After successful Aadhaar authentication,
beneficiary can carry out the transaction

AEPS Process Flow

1.
A resident is required to provide their Aadhaar Number and fingerprint impression at the microATM Level

2.
Leveraging GPRS Data Connectivity Signal, data packets are transferred to Bank Switch to NPCI to UIDAI in a
digitally signed and encrypted manner

3.
UIDAI Authentication Server decrypts the data packet and performs a 1:1 match against the Aadhaar
Number

4.
Based on the matching of fingerprint impression in data packet versus the fingerprint impression in back
-
end, UIDAI Authentication Server will return a Yes or No response only

5.
Using the same route a digitally signed and encrypted response will be sent back to Banks, wherein
depending upon the response they can proceed to conclude the financial transaction

6.
In case of residents with Biometric Exception, the software deployed by banks at microATM level provides
an interface to perform financial transaction after fulfilling the pre
-
requisite policies in place, thus
providing an opportunity to mail electronic trail of data


Advantages of AEPS


Beneficiary can
receive money at doorstep


Inter
-
operable system
thereby ensuring
customer is not tied to one bank’s BC


Network of BCs, bank branches and Post
Office can
leverage
a single
biometric
authentication system

accessible through
microATMs


Efficiency in public expenditure
as no need for
banks to separately capture biometrics and
develop their own de
-
duplication and
Authentication systems




Roles and Responsibilities

1. Sign Agreement with UIDAI

2. Sign Agreement with ASAs

3. Integrate with ASAs

4. Procurement of
microATMs

5. Deployment of BCs

6. Define Escalation Matrix

7. 24X7Automated Monitoring


1. Sign Agreement with UIDAI

2. Integrate with UIDAI

3. Define Escalation Matrix

4. Certify AUAs




1. Provide Authentication Infrastructure

2. Define Escalation Matrix


1. Sign Agreements with Banks

AEPS

Banks (AUA)

Domain Aggregator (ASA)

UIDAI

Government


AEPS
-

Current Status


Device specifications frozen in August 2012


More than 10,000 Micro
-
ATMs deployed by
Indiapost
/
banks in Andhra Pradesh, Jharkhand, Chandigarh, Delhi,
Tripura & Maharashtra currently for various schemes


Nearly 15 lakh beneficiaries have already received their
payments through BCs and online
microATMs

using
Aadhaar

biometric authentication


Expected to scale to more than 25,000
microATMs

by end
-
August


UIDAI is funding 1 lakh
microATMs

to banks @
Rs
. 15,000
each

Other important updates


Ministry of Finance (Department of
Expenditure) has notified that banks can be
paid commission for DBT transactions


The Commission is payable @ 1% + 1%


Three Steps to Enable Direct Cash Transfer

Issue notification
to use Aadhaar
as Financial
Address and
Aadhaar Enabled
Payment

Digitization of
data and Linking
Aadhaar to
Scheme Identifier

Notification to
Banks on opening
Aadhaar Enabled
Bank Accounts
and Aadhaar
Linking

Link Aadhaar

Aadhaar Enabled Bank Accounts (AEBA)

Aadhaar Enabled Payment System (AEPS)

Aadhaar Payment Bridge

(APB)

Support from UIDAI

1.
Aadhaar Seeding tools such as
SRDH, RASF etc

2.
ICT Assistance & Advisory services
to State Governments

1.
Facilitate Banks for adopting
APB & AEPS

1.
Enrolment centers in target districts

2.
Banks and Departments are
Registrars and can facilitate
enrolment


1111 2222 3333

Thank You!