Tuesday, September 1, 2015

Aadhar card e-kyc acceptance of Reserve bank of india

Operational Procedure to be followed by banks for e-KYC exercise

The e-KYC service of the UIDAI is be leveraged by banks through a secured network.

Any bank willing to use the UIDAI e-KYC service is required to sign an agreement with the UIDAI. The process flow to be followed is as follows:

A. Sign KYC User Agency (KUA) agreement with UIDAI to enable the bank to
specifically access e-KYC service.

B. Banks to deploy hardware and software for deployment of e-KYC service across various delivery channels. These should be Standardisation Testing and Quality Certification (STQC) Institute, Department of Electronics & Information
Technology, Government of India certified biometric scanners at bank branches/ micro ATMs/ BC points as per UIDAI standards. 

C. Develop a software application to enable use of e-KYC across various Customer Service Points (CSP) (including bank branch, BCs etc.) as per UIDAI defined Application Programming Interface (API) protocols. For this purpose banks will have to develop their own software under the broad guidelines of UIDAI. Therefore, the software may differ from bank to bank.

D. Define a procedure for obtaining customer authorization to UIDAI for sharing eKYC data with the bank. This authorization can be in physical (by way of a written explicit consent authorising UIDAI to share his/her Aadhaar data with the bank/BC for the purpose of opening bank account) /electronic form as defined by UIDAI from time to time. 

The eKYC service offered by UIDAI will enable individuals to authorise service providers to receive electronic copy of their proof of identity and address. This is a first of its kind service, on any public platform. The service makes KYC instantaneous, totally secure and paperless while enhancing privacy of data. It brings business efficiency and opens doors to innovative service provision in a manner never experienced before on a comparable scale.

eKYC service can be deployed by different agencies to verify a resident's identity and address. Only DEMOGRAPHIC information (Name, Address, Date of Birth, Gender, Photograph & Mobile Number) that is collected during Aadhaar card enrolment will be shared, at the request of, and/or with the consent of the Aadhaar card holder.

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