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Offline Aadhar

SMS based mobile biometric authentication system

Problem being addressed

Section of society not able to access financial services.
Authentication a major problem in areas without data connection.
Microfinance institutions face a lot of difficulty in authentication of their clients.

Having no proper authentication system causes problems in:

Public distribution system(Ration, LPG)
Government employment programs(NREGA Scheme)
Old age pension programs
Insurance, Loans and Joint accounts

Some Stats for more Insights

Public distribution system(Ration, LPG)

- 60,000 Cr ton allocated for Ration. Only 30,000 Cr reached the public
Government employment programs(NREGA Scheme)
- 48% of jobs went unallocated
- Out of Rs. 100 spent per worker only Rs. 20 received actually.
Insurance, Loans and Joint accounts
- Monetary loss of 727 Cr. Through frauds.
Only 6.7% of the rural population has internet access whereas 82.82 % have telecom network presence.

Proposed Solution

So we need to develop biometric authentication system which can work

- Without dependency on mobile-net connectivity
- Provides the maximum level of security
- User-friendly, cost effective and most importantly portable.
- A mobile phone based fingerprint authentication system
- An app which works on any Android phone
- Facility for user registration and verification
- Bank details like a/c no. or Aadhar as primary key for authentificaion.

An SMS-based mobile biometric authentication system to help people in rural areas securely authenticate the services offered to them by microfinance institutions, addressing problems such as forgery and fraud, and overcoming barriers such as limited internet connectivity in rural India. We developed world's first SMS based mobile biometric authentication system for android phones to work without mobile-data connectivity.
• It's fully secure,user-friendly,simple,cost-effective and most importantly portable for use in rural area.

How does it work

We have designed own OBAP (through patent ) protocol and API-tunneling, compression andclient-agent-server handshake.

Various phases of finger print match

Detailed OBAP Fingerprint minutiae

Ongoing Developments

Delay tolerant System:
- How to deal with situations of delay in messages.
- Can we let the transection go?
- We need actually just few minutiae points to veri-match
Loss tolerant Systems:
- Dealing with corrupt message templates
- Capability to work with even Partial finger print
Completed secured via encryption
We are working on making aadhar API offline through SMS+server+Token/key virtual API gateway

Potential Benefits of the innovation

No dependency on internet connectivity:
- MSMEs, SHSs for authenticating the right person for payment works.
- Public distribution system:
  - LPG subsidy,
  - voters’ registration,
  - seed and fertilisers distributed
Useful for rural people who can’t sign as being illiterate.
Fully encrypted
24x7 plug and play service.

We were the winner of the national level contest Accenture Innovation Jockeys 2016 organized by Accenture and Yahoo and gave the final presentation in Accenture Labs, San Francisco.