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最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

借道Aadhaar生物辨识卡, 印度大力推广无现金支付

印度身份识别管理机构(The Unique Identification Authority of India,后文简称UIDAI)近日计划将使用Aadhaar生物辨别的总人数从每日1亿增加到每日4亿,以鼓励更多人使用这一平台,从而加快无现金社会建设进程。同时,该政府也正在研发一项通用型手机应用,供店主与商人使用,使其无需信用卡、借记卡、PIN码或密码就可利用Aadhaar启用生物识别支付,让收付款流程变得更加便捷。

UIDAI负责人Ajay Bhushan Pandey表示,目前政府机构人员已开始使用此项生物辨别技术。此举可帮助政府应对各种情况,如近期废币事件、遏制黑钱威胁,同时提升金融交易的透明度。已有1080万人注册了Aadhaar系统,覆及99%的成年人口。

人们可将Aadhaar与其银行账户关联,使用Aadhaar支付系统(AEPS)进行转账、查询余额、存款取款和跨行交易。资金将由用户银行账户直接转入商家账户。目前,118家公立及私营银行的用户可使用AEPS支付。印度国家研究院(NITI Aayog)负责人Amitabh Kant表示,政府正致力于推进无现金交易,相关部门也正向手机制造商询问是否可在所有在印制造的手机中搭载虹膜或指纹识别系统,以助益Aadhaar交易。

Kant是主要部长委员会的一员,该委员会将于未来一年拟订出电子支付实施规划图。其首次会议拟于12月2日召开。

印度电子信息部部长Aruna Sundararajan表示,该部已留有10亿卢比鼓励基金,以鼓励商家注册使用该电子平台,推进电子支付进程。她表示“商家可全印度超过20万个公告服务中心进行注册,电子信息部将为每家注册商家提供100卢比的奖励。电子信息部将从12月5日周一举行起进行的重大宣传交流活动。”

The Unique Identification Authority of India has planned to increase biometric authentication capacity through Aadhaar to 40 crore a day from 10 crore to encourage more use of the platform for realizing a cashless society. The government is concurrently working on developing a common mobile phone app that can be used by shopkeepers and merchants for receiving Aadhaar-enabled payments bypassing credit and debit cards, pin and password.

Through this mobile application, the handset will be used for authenticating biometrics of customers making Aadhaar enabled payment. UIDAI will eventually increase its biometric authentication capacity to 40 crore, UIDAI Chief Executive Officer Ajay Bhushan Pandey told reporters. He further said, “We will create awareness about this mode of transactions. We will eventually create capacity for 40 crore authentications. Yesterday, 1.31 crore Aadhaar-enabled biometric authentications were reported. We will increase it gradually.”

He explained that these biometric authentications include attendance marked by employees of government establishments. The initiative can help the government deal with situations like recent demonetization and curb black money menace while bringing in more financial transaction transparency. The 12-digit number has already been issued to 1.08 crore people and 99 percent of adults have been covered.

People can link their Aadhaar with their bank accounts and use Aadhaar Enabled Payment System (AEPS) for funds transfer, balance enquiry, cash deposits or withdrawals and inter-banking transactions. The biometric authentication capacity of AEPS is 10 crore, which will be eventually raised to 40 crore, the CEO said. AEPS allows users to make payments to merchants or shopkeepers without credit or debit cards using their Aadhaar number and biometric authentication. They just need to quote Aadhaar and authenticate it through biometrics.

The money is directly transferred from the customer’s bank account to the merchant’s. Subscribers of 118 public and private banks can use AEPS at present. NITI Aayog CEO Amitabh Kant said the government is working on incentivising cashless transactions and disincentivising cash transactions. ”We are asking mobile manufacturers to see if all mobiles made in India should be in-built with iris or thumb identification system to help Aadhaar-enabled transactions,” Kant said. Kant is part of the chief ministers committee that will lay out a road map for implementation of digital payments over the next one year. The first meeting is scheduled today.

IT Secretary Aruna Sundarajan said the ministry has kept aside Rs 100 crore to incentivise enrollment of merchants on to the digital platform to help push the drive. ”IT department is providing incentive of Rs 100 for every merchant enrolled through over two lakh common service centres across India. The ministry will undertake a major outreach communication campaign starting from Monday,” she said.


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