Aadhaar Enabled Payment System(AEPS) for Accounts in India Post

WHY A New System was Needed? At any point of time Accounts in Head Post Office(HO), Sub Post Office and Branch Post Office were not in Sync in the existing system. FTO is updated in customers account at HO and the data travels to the SO manually. There is a time lag of 7-15 days for information to be reflected in all three offices (HO-SO-BO). Non reflection of Transactions at all the three Offices in real time. Large number of MANREGA and NSAP beneficiaries are having accounts only in post offices.

Solution Each BO/SO will be provided with Terminals (Capable of capturing finger print and other information including Aadhaar) HO would get their computers connected to a central Server being maintained by JAPIT exclusively for this. Terminals connected to AEPS would enable them to work as Banking Correspondence to India Post. Mobile number can be used in place of Aadhaar for conducting transactions in conjunction with OTP for authentication.

Solution contd.. All transactions(Deposit/Withdrawal/Transfer) will be Aadhaar/Mobile Based. Aadhaar/Mobile to Account Conversion and Authentication of the customer will be achieved in the aforesaid server. Aadhaar/Mobile need to be seeded in the JAPIT Server as well as HPO

Major Highlights: Payment of MNREGA, NSAP, and other benefits by using Aadhaar Based Authentication and Open Source Softwares

Aadhaar / Mobile Seeding Features: India Post AEPS Deposit Peer to Peer Transfer Withdrawal Balance Enquiry Operator Auth Beneficiary Auth Aadhaar / Mobile Seeding

ADVANTAGES SMS Alert on Deposits/FTO Fraudulent Transactions eliminated Payment is made to genuine beneficiary. No Additional Manpower Needed

Existing Manual Process

India Post Solution Overview

Challenges

Android Application Features

Operator Login

Transaction Screen

Withdrawal Transaction

Withdrawal Wait Screen

Withdrawal Result Screen

Deposit Transaction Screen

Deposit Transaction Wait Screen

Deposit Transaction Response Screen

Fund Transfer Screen

Fund Transfer Wait Screen

Fund Transfer Response Screen

Seed Aadhaar Screen

Seed Aadhaar – KYR Screen

MIS

Home Page

Stats By HO

Admin Dashboard

Terminals

Transactions

Transaction Summary By HO

MIS User Roles

MIS Role Permissions

Sync Status

MIS Features Commission Calculation for India Post Monitoring of Active/Inactive Devices. HO/SO/BO - District/Block/Panchayat performance Monitoring, in terms of transaction count and amount Device Wise Transactions Real time Transaction Count Ticker at Homepage Transactions Filterable by Mobile or Aadhaar Transactions.

Role of RDD Timely generation of FTO. Seeding of Beneficiary's Aadhaar to his/her Postal Accounts/Scheme Database. Seeding of Beneficiary's Mobile No. to his/her Postal Accounts/Scheme Database.

Thank You!