Context :
Tata
Co Readying Universal Payments Solution
/ ET - 25 March 2021
Extract :
Ø Ferbine
Payments, working on a Universal Payments ID that
will replace thumb-backed transaction and also a phone-based PoS system
Ø The
plan is to build a universal payments ID for EVERY INDIAN that would
completely do away with the need of Aadhar readers
Ø The
plan is to have ONE UNIVERSAL PoS where merchant can accept payments on ANY
PHONE
Ø There
must be solutions beyond the Smartphones for the rural customers; UPI is still
complex for them
Ø The
consortium also has plans to build SOUND-BASED payments solutions for those who don’t own a
smartphone
=================================================
Congratulations TATA , for making a beginning
Could this “ small step
for TATA “ someday become a “ giant step for India “ ?
By merging into ONE single
Personal Number, all of the following Numbers ( Personal Identifiers ) :
Ø Aadhar
No ( I believe there is provision for generating Virtual Aadhar Number also )
Ø PAN
Ø Census-NPR
– CAA numbers
Ø Credit-Debit
Card nos
Ø Ration
Card no
Ø Passport
no
Ø Driving
License no
Ø Senior
Citizen no
Ø National
Health Card No ( Ayushman Bharat Card No )
Ø Voter
No
Ø Employee
No / Employer No
Ø Bank
Account Numbers ( different for each bank )
Ø Insurance
Policy Number
Ø Social
Security No ( PF – PPF accounts )
By no means, this list is comprehensive. It is just
illustrative, with new numbers getting added every month, by all kinds of Govt
Agencies / Depts and Private Sector companies from whom, I buy goods or services
( like above-described Payment Service )
I urge TATA to consider the desirability / feasibility
of my following proposal ( sent as
e-mail to our Cabinet Ministers / Policy Makers ) :
Ø I
am One , I will become Many …………………..[ 06 Jan 2020 ]
Extract :
Ø
Finance Minister, ( late ) Shri Jaitley had made following
statement in the Lok Sabha on 22 March 2017 :
“ A STAGE MAY COME THAT THE UNIQUE IDENTITY WILL BECOME THE ONLY CARD “
My Proposal :
Ø Central Govt to launch a online portal called,
www.SUIIC.gov.in ( 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
================================================
RELATED READINGS :
Extract :
Dear Shri RaviShankar Prasadji,
Congratulations for
initiating this FIRST STEP to integrate “ Backend Data “
of all databases
I urge you,
Ø Not to
restrict this exercise to only “ Address Verification “
Ø Extend
it to attain “ ONE CITIZEN, ONE CARD “ to
eliminate ALL
OTHER PERSONAL IDENTIFIERS
=================================================
As far as SOUND BASED
payment solution is concerned, here is what I suggested :
Extract :
But, if
BHIM has to obsolete Credit- Debit cards / Card
Swiping
Machines / Point of Sales ( PoS ) machines / ATMs etc , and truly become THE
BIGGEST WONDER OF THE WORLD, then it would have to be SPEECH
ENABLED , as suggested in my following email
Just ask Sundar Pichai , Sam Pitroda , Satya Nadela , Sachin Katti , Pranav
Mistry , Sanjay Sarma , Nandan Nilekani etc , if they will help implement the
following :
* Buyer buys something worth
Rs 100 from a shopkeeper
* Buyer and the Seller , look into
their own mobile-cameras ( of smart
phones loaded with M-Rup ) for biometric Aadhar identification / linked to
Jan Dhan a/c
* Seller speaks in his mobile : " Muze Sau Rupiah dedo "
* Buyer speaks in his mobile : " Inko Sau Rupiah dedo "
* Message flashes in the mobile
screen of Seller :
" Tumhare account-me Sau
Rupiah Jamah ho gaya / GST bhi kaat ke Sarkar-
ko bhej diya "
* Message flashes in the mobile screen
of Buyer :
" Tumhare account-se , Sau Rupiah inko Bhej Diya . Abhi balance me teen
sau sath rupiah bacha hai "
I request all concerned, not to insult our
engineers / scientists / geeks, by
doubting if such SIMPLIFICATION ( based on day to day spoken language ) is
possible
Doubting Thomas may want to look up :
PILOT {
http://www.waverlylabs.com/ }
This is the only way rural India can bypass
the Jurassic Age of Plastic Cards to
usher into a CASH-LESS society
!
===================================================
Ø One Small
Step ……………………………….. [ 10 Jan 2020 ]
===================================================
Copy to :
Shri Suprakash
Mukhopadhyay ( Ferbine Private Ltd
/
suprakash.mukhopadhyay@tcs.com
)
Shri
Modan Saha ( Ferbine Private Ltd / msaha@tata.com
)
===================================================
With regards,
Hemen Parekh
/
hcp@RecruitGuru.com / 07
April 2021
