Hi Friends,

Even as I launch this today ( my 80th Birthday ), I realize that there is yet so much to say and do. There is just no time to look back, no time to wonder,"Will anyone read these pages?"

With regards,
Hemen Parekh
27 June 2013

Now as I approach my 90th birthday ( 27 June 2023 ) , I invite you to visit my Digital Avatar ( www.hemenparekh.ai ) – and continue chatting with me , even when I am no more here physically

Friday, 10 January 2020

One Small Step ….




When Neil Armstrong set foot on the moon, he said :


"That's one small step for a man, one giant leap for mankind."



SMALL  STEP  by RBI ( Reserve Bank of India )



Today’s Times of India reported that small step as follows :

In a first, RBI allows KYC process on mobile video 


Extract :


Ø  In a move that will enable banks and fintechs onboard customers remotely, the RBI has amended its norms to allow the “ Know Your Customers ( KYC ) “, process to be completed trough a MOBILE VIDEO CONVERSATION.


Ø  The Central Bank has also facilitated  eKYC and digital KYC by allowing use of Aadhar or other e-documents in the customer due diligence process


Ø  “Non-banks, although they don’t have access to eKYC, can complete the process by using the physical Aadhar or the QR code “ , said Naveen Surva, Chairman of Fintech Convergence Council [ info@fintechcouncil.in ]



Ø  RBI said, “ Digital KYC has been defined as capturing live photo of the customer and officially valid document or the proof of possession of Aadhar, where OFFLINE verification cannot be carried out, along with the latitude and longitude of the location “


Ø  NITI Aayog chief, Amitabh Kant said in a tweet :
“ Great initiative by RBI !  Circular on video-based customer identification process will make presence-less and paperless banking, a reality. The circular is a huge positive step towards Prime Minister
Narendra Modi’s goal of Digital Financial Inclusion “


=========================================================


Early 2018 , while delivering its judgement on Aadhar case, Supreme Court said :


“ Corporate entities like banks and telecom service providers cannot ask for customers’ Aadhar ID for e-KYC


That made me send following emails to COAI , DoT , TELCOs and the Supreme Court ,

suggesting that there is nothing illegal in VOLUNTARY use of Aadhar ID by anyone for any purpose :

50 Gladiators : 50 million Spectators    ………………………[ 27  Sept 2018 ]

Aadhar Data Delete ? Simple Solution   …………………..  [ 30  Sept 2018 ]

 

Why not an “ Option Plan “ for users ?    ……………………[ 02  Oct  2018  ]

Who will bell the Cat ?   ………………………………………………[ 05  Oct  2018  ]

A majority of 21 wins !   ………………………………………………[ 11  Oct  2018  ]

Something is better than Nothing !    …………………………[  18  Oct  2018 ]

Mandatory ? NO ! Voluntary ? why NOT …………………[  17 Dec 2018  ]

 

========================================================


GIANT  LEAP   by Indian Government



e = mc^2

electronic = mobile x customer x card =  e-KYC  =  e-YUP,

where YUP (  Your Unique Profile ) is the Single Unified Identity for Indian Citizen , which will replace ALL Identifying Cards issued by ALL entities to an Indian Citizen


Cards such as Aadhar – PAN – Ayushman Bharat – Ration – Senior Citizen – Driving License – Voter ID – Passport etc (- and any other likely to be introduced under Census – NPR - NCR  - which should be conducted through mobile app YUP – and not manually )


In my following email to the Policy Makers, I have conceptualized the process for issue of e-YUP as follows :

[ source :   I am One , I will become Many   /  06 Jan 2020  ]

 

=================================


Ø  Central Govt to launch an online portal called,


(  Single Unified Identity for Indian Citizen )


Ø  By appropriately enacted Law, Central Govt will order all CARD ISSUING AGENCIES to upload their “ Card Related Databases “ onto SUIIC web server and continue to do so DAILY for new additions to their databases


Ø   SUIIC will use AI - Machine Learning - Big Data Analytics etc.,  to merge / collate all kinds of structured / unstructured databases pertaining to all kinds of Cards / unique IDENTIFIERS, issued by any entity, to any citizen


These will include Mobile Service Providers and E Mail ID providers


Ø  This exercise will lead to creation of UNIQUE PROFILE for each citizen, and named :


YUP  ( Your Unique Profile )

YUP ( with unique serial number ) will be that SINGLE CARD which replaces all CARDS


Ø  YUP will also be the name of a Mobile App supported by SUIIC web server


Ø  Any citizen can download the YUP ( absolutely VOLUNTARY ) , open it on his smart phone , enter his mobile number / E Mail ID and take a SELFIE of his own FACE


Ø  The Mobile App will automatically and instantly, upload the FACE IMAGE onto SUIIC database and the matching YUP of that person


Ø  SUIIC will embed into the FACE PHOTO , all data of all the CARDS ever issued to that person ( using STEGANOGRAPHY ), and send it back to the owner’s mobile phone


Ø  Just under the FACE PHOTO, there will be a DROP LIST of all the Cards / Identifiers which have been embedded . Touching any item, will reveal the actual Physical Card


Ø  This will enable that citizen to EDIT his personal data online and click SUBMIT


Ø  Anytime required in future, that citizen can show that YUP photo to any party


Ø  There will be no compulsion for any citizen to use YUP . He may continue using his Physical Cards, if he so desires


======================================================


This is a very broad “ CONCEPTUAL FRAMEWORK “ – and certainly not comprehensive by any standard

Eg :

Going beyond merging / aggregating / unifying , all existing physical cards belonging to a person, what about :


Ø  Enabling him to use YUP to create ( for the first time ), an altogether different card ?


Ø  Enabling a person to create a new Voter Card, upon attaining the age of 18 ?



=======================================================


Dear Shri RaviShankar Prasadji,



Introduction / launching of Mobile App YUP , will render all opposition to CAA – NPR – NCR etc irrelevant



No State , no matter governed by which political party , can prevent its citizen to download / use YUP , and generate his / her unique profile !



If taken, this will be that GIANT LEAP for the Central Government



With regards,

Hemen parekh


==========================================
===============

11  Jan  2020


hcp@recruitGuru.com

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