1. Version: 1.0.0.0 Release date: 10-12-2012

2. In this module you will learn about: Switching on and switching off the MicroATM Device Various indications for Battery Using the power adapter, USB device Insertion of smartcard reader/writer Insertion of SIM card Calibrating the device Inserting thermal paper roll for printer PLEASE NOTE: The procedures depicted in the slides that follow pertain to a specific make and model. Please check the instructions for your device and handle accordingly Objectives 2 Know the Devices

3. Authentication Devices 3 Know the Devices

4. Different Types of MicroATMs 4 Know the Devices

5. Different Types of MicroATMs (Contd.) 5 Know the Devices

6. Different Types of MicroATMs (Contd.) 6 Know the Devices

7. Power On: Power on-off 7 Know the Devices Press the Power Button with the help of a stylus.

8. Power on-off (Contd.) 8 Know the Devices Power On:

9. Power on-off (Contd.) 9 Know the Devices Power On: LED indicators If the device is OFF and attached to a power source, the LED will glow RED. If the device is ON and attached to the power source, the LED will glow AMBER. If the device is ON and not attached to a power source, the LED will glow GREEN.

10. Power Off: Power on-off (Contd.) 10 Know the Devices Press the Power Button with the help of a stylus.

11. Power on-off (Contd.) 11 Know the Devices Power Off: Select Shutdown to turn off the device. Select Cancel if you do not want to shutdown.

12. Battery 12 Know the Devices Once the home screen appears on the transaction device, the battery symbol is displayed. When using the device for the first time, charge the device for at least four hours before starting. Once fully charged, battery lasts approximately 8-10 hours depending upon usage

13. 13 Know the Devices Battery (Contd.)

14. Battery at Zero charge Battery (Contd.) 14 Know the Devices If the battery is very low (zero charge), a display bubble will appear on the device as shown.

15. Battery Calibration 15 Know the Devices Select Advanced in the System Panel menu. The advanced menu option will be displayed.

16. Battery Calibration (Contd.) 16 Know the Devices Select Battery Calibration from the Advanced menu.

17. Battery Calibration (Contd.) 17 Know the Devices Select Calibrate Battery to begin.

18. Battery Calibration (Contd.) 18 Know the Devices Select OK to begin battery calibration.

19. Battery Calibration (Contd.) 19 Know the Devices An alert bubble will be displayed indicating that the battery calibration has started.

20. Battery Calibration (Contd.) 20 Know the Devices During the calibration process, the battery symbol will be displayed in blue color.

21. Battery Calibration (Contd.) 21 Know the Devices Once the battery calibration process starts, 1.Let the battery discharge completely 2.Leave the device powered on till it shuts down automatically 3.Charge the battery continuously till fully charged without removing the AC adaptor 4.Once the calibration process is complete, the battery indicator will change to Green

22. Charging 22 Know the Devices

23. Instructions: Use only the Power adapter supplied along with the device. Do not use any other power adapter even if the power jack looks similar. Connect the Power adapter to a standard 230Volts, 50Hz AC supply only. Insert the Power plug securely into the device for effective charging. Charging (Contd.) 23 Know the Devices

24. Universal Serial Bus (USB) Ports: The device has 2 USB ports known as, Host (Type A) Host/Slave (Type mini B) Connecting to a USB Port 24 Know the Devices

25. Connecting USB Device Connecting to a USB Port (Contd.) 25 Know the Devices Locate the USB Type A port at the front of the device

26. Connecting USB Device Connecting to a USB Port (Contd.) 26 Know the Devices Insert the USB device into the port securely.

27. Connecting USB Device Connecting to a USB Port (Contd.) 27 Know the Devices A message appears in the display bubble when connected.

28. Connecting USB Mini Device Connecting to a USB Port (Contd.) 28 Know the Devices Locate the USB Type B port at the front of the device

29. Connecting USB Mini Device Connecting to a USB Port (Contd.) 29 Know the Devices Insert the USB mini device into the port securely.

30. Connecting USB Mini Device Connecting to a USB Port 30 Know the Devices A message will be displayed on the screen when connected.

31. Smartcard Reader/Writer Smart Card Insertion 31 Know the Devices There are 2 contact smartcard slots located at the back of the device.

32. Smartcard Reader/Writer Smart Card Insertion (Contd.) 32 Know the Devices Gold plated contact on the smartcard.

33. Smartcard Reader/Writer Top Slot: Smart Card Insertion (Contd.) 33 Know the Devices To insert a contact smartcard in the top slot, please ensure the gold plated contact is facing downward.

34. Smartcard Reader/Writer Bottom slot: Smart Card Insertion (Contd.) 34 Know the Devices While inserting a contact smartcard in the bottom slot, please ensure the gold plated contact is facing upward.

35. Using a contactless (RF) smartcard Smart Card Insertion (Contd.) 35 Know the Devices The contactless (RF) smartcard reader is located at the right side of the device. Turn the contactless (RF) smartcard horizontally along the device, as shown in the figure.

36. In this module you will learn to: SIM Card 36 Know the Devices At the bottom of the device, there is a slot allotted for the Security Authentication Module (SAM) card. At the bottom of the device, there is a slot allotted for the Subscriber Identity Module (SIM) card.

37. The device should provide for two channels (of service provider’s choice) of network connectivity. Examples of two channels of connectivity: Dual SIM capability, GPRS + CDMA, GPRS + broadband, GPRS + PSTN, etc. To switch connection, select the System Panel icon ( ) located at the right hand side of the toolbar. Dual SIM - How to Switch Over 37 Know the Devices

38. Select Mobile Manager from the “System Panel” menu. The “Mobile Manager” allows the user to change the modem settings of the device. Dual SIM - How to Switch Over (Contd.) 38 Know the Devices Select Mobile Manager

39. Dual SIM - How to Switch Over (Contd.) 39 Know the Devices Select Launch Mobile Manager

40. Dual SIM - How to Switch Over (Contd.) 40 Know the Devices 1. Choose the type of modem 2. Choose the Service

41. Dual SIM - How to Switch Over (Contd.) 41 Know the Devices Tap Select

42. LCD & Touch Screen Do not clean the surface of the touch screen with your bare hands. Do not try to clean the dust with the tip of your finger nails. Use only the stylus that is provided along with the device. Do NOT use a pen, pencil or any sharp object as an alternative to the stylus provided. General Maintenance 42 Know the Devices

43. LCD & Touch Screen Do not apply excessive force on the surface of the screen. Just a gentle touch is enough. To clean the device, use foam type TFT-LCD screen cleaner made of antistatic and antireflective material. Before cleaning the LCD, switch OFF the device and let it cool down. Spray the cleaner on a soft, lint free cloth. Clean the screen with light pressure. Repeat the process, if necessary. Make sure that the cleaning liquid does not penetrate the inner part of the device. General Maintenance (Contd.) 43 Know the Devices

44. LCD & Touch Screen Do not expose the screen to bright sunlight or light beams focused through lenses or other bright light sources It is recommended that the device be used indoors or in areas which are not directly exposed to sunlight, but where the data on the LCD is visible. General Maintenance (Contd.) 44 Know the Devices

45. Biometric Finger Print Sensor Do not apply too much pressure on the biometric scanner. You should place the finger gently. Clean any oil, dirt, etc. that may be present on the finger before placing it on the biometric scanner. Keep the finger in a way such that the central portion of the finger has maximum contact with the platen of the fingerprint capture device. General Maintenance (Contd.) 45 Know the Devices

46. Biometric Finger Print Sensor Clean the biometric surface with a soft, lint free cloth. General Maintenance (Contd.) 46 Know the Devices

47. GPRS Insert or change the SIM card only after switching OFF the device. When the signal strength of the network is good but the device is unable to connect to the network, more than 3 times consecutively, check the status of the battery. If the battery charge is low, recharge the device. General Maintenance (Contd.) 47 Know the Devices

48. Charging Use only the power adapter supplied along with the device. Do not use any other power adapter even if the power jack looks similar. Connect the Power adapter to a standard 230Volts, 50Hz AC supply only. Insert the Power plug securely into the socket for effective charging. General Maintenance (Contd.) 48 Know the Devices

49. USB connectors Do not try to insert the USB Pen drive/other USB devices into the socket by using excessive pressure. Make sure the pen-drive is properly orientation before insertion. Do not cover the USB ports with a plastic or metal cap. General Maintenance (Contd.) 49 Know the Devices

50. Thermal Printer Handle the thermal printer cover and platen carefully and gently. Keep the thermal paper on the platen properly aligned to prevent the paper from jamming. Wipe the heating element of the head lightly with cotton swabs dipped in Ethyl Alcohol. Set back the platen after the Ethyl Alcohol has completely evaporated. General Maintenance (Contd.) 50 Know the Devices

51. Thermal Printer Do not use sharp objects to remove paper jams. Do not open the printer cover and print. This may lead to accumulation of dust in the printer mechanism. General Maintenance (Contd.) 51 Know the Devices

52. Contactless smartcard Keep the contactless smart card as close to the device as possible, for proper communication. Do not keep any barrier, particularly metal, between the device and the contactless smartcard. General Maintenance (Contd.) 52 Know the Devices

53. Contact smartcard Cover the Contact Smartcard slots when they are not in use with the given sleeves that are provided with the device. Insert the contact card with the specified orientation for proper functioning. General Maintenance (Contd.) 53 Know the Devices

54. Calibration, if Touch Screen 54 Know the Devices

55. Calibration, if Touch Screen (Contd.) 55 Know the Devices Cross Hair

56. Loading printer paper roll How to Insert Thermal Paper Roll 56 Know the Devices Lift the printer cover

57. Loading printer paper roll How to Insert Thermal Paper Roll (Contd.) 57 Know the Devices Unwind a small amount of paper from the roll.

58. Loading printer paper roll How to Insert Thermal Paper Roll (Contd.) 58 Know the Devices Place the paper roll into the printer with the printing side facing the printer head.

59. Loading printer paper roll How to Insert Thermal Paper Roll (Contd.) 59 Know the Devices Gently close the cover by pulling the printer door shut till it clicks into position.

60. Testing the Printer 60 Know the Devices

61. Testing the Printer (Contd.) 61 Know the Devices Select Printer in the System Panel menu.

62. Testing the Printer (Contd.) 62 Know the Devices The version of the printer firmware will be displayed.

63. Testing the Printer (Contd.) 63 Know the Devices To check the paper feed, select the Paper Feed button.

64. 64 Summary In this module you have learnt to: Power on/off the device Identify different indicators for the Battery Connect the power adapter, USB device Insert smartcard reader/writer Insert SIM card Calibrate the device Insert thermal paper roll for printer Test the printer Know the Devices

65. 65 Quiz Know the Devices List the steps for inserting thermal paper roll in the device. What is the color of battery symbol when the battery is at full charge? While inserting a contact smartcard in the top slot of the device, in which direction should the gold plated contact face? Upwards or Downwards?

66. 66 Objectives In this module you will learn about: How to Login to the Application Different types of transactions Steps for Cash Withdrawal Steps for Cash Deposit Process for Fund Transfer Process for Balance Enquiry End of Day activities Know the Application Software

67. 67 Know the Application Software On-US vs Off-US

68. 68 Know the Application Software Pre-requisites Device is switched on. Battery is adequately charged. Time Stamp – application shows current date and time (date-time will be printed on Receipt). Data transfer connectivity is ok.

69. 69 Know the Application Software Login to Application In the Home Screen, tap the MicroATM application icon.

70. 70 Know the Application Software Login to Application (Contd.) Login screen is displayed. Enter Agent ID of the Business Correspondent (BC) in the Agent ID field. Enter Password in the Password field.

71. 71 Know the Application Software Login to Application (Contd.) Provide your (BC’s) fingerprint and tap the Save Fingerprints checkbox. Tap the Login button.

72. 72 Know the Application Software Login to Application (Contd.) Language Selection screen appears. Select the language by tapping the radio button corresponding to the language in which Transaction Receipt is to be printed. Tap the Ok button.

73. 73 Customer may visit a BC (Business Correspondent) Customer Access Point. BC using the Point of Sale (MicroATM) device will be able to process the following transactions: –Cash Withdrawal –Cash Deposit –Fund Transfer –Balance Enquiry Customers have to provide their Aadhaar Number and their Bank Name or Bank IIN Number. Know the Application Software Different Types of Transactions and Performing each Transaction

74. 74 The transactions can be done through MicroATM in the following ways: –Swiping the MicroATM card –Manual Entry The following transactions are carried out by swiping MicroATM card. Know the Application Software Different Types of Transactions and Performing each Transaction (Contd.)

75. 75 Customer’s Details: –Aadhaar Number –Bank’s IIN –Amount to be withdrawn –Fingerprint Steps to carry out Cash Withdrawal through MicroATM device: 1.In the Transactions Home screen tap on Cash Withdrawal. Know the Application Software Cash Withdrawal

76. 76 2.Tap Yes to swipe the card. 3.Swipe the card. Know the Application Software Cash Withdrawal (Contd.)

77. 77 On-US Transaction Know the Application Software Cash Withdrawal (Contd.) 4.Bank Name and Aadhaar No. get automatically filled. 5.Enter the Amount to be withdrawn by tapping the keypad on the screen. Then tap Ok. Off-US Transaction

78. 78 6.Tap Yes to confirm. Know the Application Software Cash Withdrawal (Contd.) 7.Tap Ok. 8.Ask the customer to place his/her finger on the fingerprint scanner.

79. 79 9.Tap the Yes button. Know the Application Software Cash Withdrawal (Contd.) 10.The transaction has been successfully completed. 11.Tap Print to get the receipt.

80. 80 Know the Application Software Cash Withdrawal (Contd.) Cash Withdrawal receipt

81. 81 Customer’s Details: –Aadhaar Number –Bank’s IIN –Amount to be Deposited –Fingerprint Steps to carry out Cash Deposit through MicroATM device: 1.In the Transactions Home screen tap on Cash Deposit. Know the Application Software Cash Deposit

82. 82 2.Tap Yes to swipe the card. 3.Swipe the card. Know the Application Software Cash Deposit (Contd.)

83. 83 4.Bank Name and Aadhaar No. get automatically filled. 5.Enter the Amount to be deposited by tapping the keypad on the screen. Then tap Ok. Know the Application Software Cash Deposit (Contd.) On-US TransactionOff-US Transaction

84. 84 6.Tap Yes to confirm the amount to be deposited. Know the Application Software Cash Deposit (Contd.) 7.Tap Ok. 8.Ask the customer to place his/her best finger on the fingerprint scanner.

85. 85 9.Tap the Yes button. Know the Application Software Cash Deposit (Contd.) 10.The message shown on the above screen that the transaction has been successfully completed. 11.Tap Print to get the receipt.

86. 86 Know the Application Software Cash Deposit (Contd.) Cash Deposit receipt

87. 87 Remitter’s Details: –Aadhaar Number –Bank’s IIN –Amount to be transferred –Fingerprint Data Beneficiary’s Details: –Aadhaar Number –IIN of Beneficiary’s Bank Steps to carry out Fund Transfer using the MicroATM device: 1.In the Transactions Home screen tap on Fund Transfer. Know the Application Software Fund Transfer

88. 88 2.Tap Yes to swipe the card. 3.Swipe the card. Know the Application Software Fund Transfer (Contd.)

89. 89 4.Bank, Sender Aadhaar gets automatically filled. 5.Select Receiver’s Bank from the drop down box 6.Enter Receiver’s Aadhaar and Confirm Receiver ‘s Aadhaar. 7.Enter Amount to be transferred. 8.Tap on Ok. Know the Application Software Fund Transfer (Contd.) Remitter’s and Beneficiary’s Details Screen - On-US Remitter’s and Beneficiary’s Details Screen - Off-US

90. 90 9.Tap Yes to confirm the amount to be transferred. Know the Application Software Fund Transfer (Contd.) 10.Tap Ok. 11.Ask the customer to place his/her best finger on the fingerprint scanner.

91. 91 12.Tap the Yes button. Know the Application Software Fund Transfer (Contd.) 13.The message shown in the above screen indicates that the transaction has been successfully completed. 14.Tap Print to get the receipt.

92. 92 Know the Application Software Fund Transfer (Contd.) Fund Transfer receipt

93. 93 Customer’s Details: –Aadhaar Number –Bank’s IIN –Fingerprint Steps to carry out Balance Enquiry through MicroATM device: 1.In the Transactions Home screen tap on Balance Inquiry. Know the Application Software Balance Enquiry

94. 94 2.Tap Yes to swipe the card. 3.Swipe the card. Know the Application Software Balance Enquiry (Contd.)

95. 95 4.Bank Name and Aadhaar No. gets automatically filled. 5.Tap the Ok button. Know the Application Software Balance Enquiry (Contd.) On-US TransactionOff-US Transaction

96. 96 6.Tap Yes to confirm for Balance Enquiry. Know the Application Software Balance Enquiry (Contd.) 7.Tap Ok. 8.Ask the customer to place his/her best finger on the fingerprint scanner.

97. 97 9.Tap the Yes button. Know the Application Software Balance Enquiry (Contd.) 10.The account balance of the customer is displayed. 11.Tap Print to get the receipt.

98. 98 Know the Application Software Balance Enquiry (Contd.) Balance Enquiry Receipt

99. 99 It is mandatory for all banks to enable generation of electronic logs in all MicroATMs. The electronic log will be a collection of all communications between a MicroATM and its immediate switch/server on a business day. This will include original transaction request, last transaction status request, reversal request and their responses, respectively. The BC must push the electronic log file (which is in an encrypted format) to bank’s switch/server at the End of Day. Know the Application Software End of Day Activity

100. 100 Know the Application Software Summary In this module you have learnt about: How to Login to the application Cash Withdrawal Cash Deposit Fund Transfer Balance enquiry End of Day activities

101. 101 Know the Application Software Quiz How does the BC Login to the application? List the steps for Cash Withdrawal using a MicroATM. What is the procedure for Cash Deposit using a MicroATM? How is a Fund Transfer transaction carried out by a BC using a MicroATM?

102. In this module you will learn about: Aadhaar Authentication Types of Aadhaar Authentication Aadhaar Authentication process Need of Best Finger Detection (BFD) BFD process BFD response interpretation process Single Finger and Two Finger Authentication Best practices in Aadhaar Authentication Objectives 102 Authentication

103. 103 Authentication UIDAI’s Mandate Provide Unique ID Number to all Residents Enrolment is a one time process for the resident Establishes Uniqueness Define usages and applicability of Aadhaar for delivery of various services Online Authentication services are designed to serve this mandate Online Authentication Establishes identity Authentication is transactional and done at the time of availing a service

104. 104 Authentication Aadhaar Enrolment at a Glance 1 person  1 number * Mobile Number and e-mail id are not mandatory

105. 105 Authentication Aadhaar Authentication The purpose of Authentication is to enable Aadhaar-holders to prove their identity and for service providers to confirm the resident’s identity claim in order to provide services and give access to benefits. Aadhaar Authentication shall make life simpler for the resident as it is meant to be a convenient system to prove one’s identity without having to provide identity proof documents whenever a resident seeks a service. Aadhaar Authentication is the process wherein, Aadhaar number along with the Aadhaar holder’s personal identity data such as biometric/demographic information is submitted to UIDAI’s CIDR for matching; following which the UIDAI verifies and confirms the correctness thereof on the basis of the match with the Aadhaar holder’s identity information available with it. To protect resident’s privacy, Aadhaar authentication service responds only with a “yes/no” and no Personal Identity Information (PII) is returned as part of the response.

106. 106 Authentication Aadhaar Authentication (Contd.) **OTP – One Time Pin *and/or – Single or multi-factor authentication ***Yes/No – Would enable service provider to take business decision

107. 107 Authentication What Aadhaar Authentication Will Do / Not Do

108. 108 Authentication Types of Aadhaar Authentication Demographic Matching: Is the matching of the Aadhaar number and the demographic details like name, date of birth, address, gender, etc., of a resident using Aadhaar Authentication system. Demographic Details

109. 109 Authentication Types of Aadhaar Authentication (Contd.) Biometric Matching: Matching biometric attributes like fingerprint and/or iris of a resident using Aadhaar Authentication system. Iris ScanFingerprint Scan

110. 110 Authentication Types of Aadhaar Authentication (Contd.) One Time Pin (OTP): A six-digit pin is sent to resident’s registered mobile number, which the resident should provide during Authentication. An OTP has a limited validity period and one OTP can be used only once. One-Time Pin

111. 111 Authentication Types of Aadhaar Authentication (Contd.) Demographic matching OR Biometric matching OR OTP matching OR Any combination of the above 3 factors can be used for authentication

112. 112 Authentication Aadhaar Authentication Actors Key Actors in Aadhaar Authentication Operating Model: 1)Aadhaar Holder 2)Authentication Devices 3)Authentication User Agency (AUA) 4)Sub AUA 5)Authentication Service Agency (ASA) 6)UIDAI’s CIDR

113. 113 Authentication Aadhaar Authentication Process Step 1: An Aadhaar Holder resident approaches a Service delivery point (e.g. PDS shop, a banking correspondent) and originates the service request. The Business Correspondent (BC) approaches the resident for Aadhaar authentication by using the authentication devices.

114. 114 Authentication Aadhaar Authentication Process (Contd.) Step 2: An Authentication device processes the request by collecting the Aadhaar number and the biometrics (Finger prints) of the resident, and subsequently sends the request to an Authentication User Agency (AUA).

115. 115 Authentication Aadhaar Authentication Process (Contd.) Step 3: AUA processes the request as per the standards and specifications of the partner ASA and UIDAI.

116. 116 Authentication Aadhaar Authentication Process (Contd.) Step 4: ASA consolidates the requests from an AUA as per the specifications of UIDAI and sends the packet to UIDAI database for verification.

117. 117 Authentication Aadhaar Authentication Process (Contd.) Step 5: UIDAI processes the request and provides a Yes or a No response to ASA.

118. 118 Authentication Aadhaar Authentication Process (Contd.) Step 6: ASA compiles the response from UIDAI and sends the same to AUA.

119. 119 Authentication Aadhaar Authentication Process (Contd.) Step 7: AUA processes the service request based on the response received from ASA and sends the response to authentication device.

120. 120 Authentication Aadhaar Authentication Process (Contd.) Step 8: Authentication device processes the response from AUA and delivers the service as per the business instructions received from an AUA.

121. 121 Authentication Need for Best Finger Detection (BFD) The best finger of a resident is the one that provides the best match with the highest level of accuracy Best Finger Detection Application is available on the device This is a one-time activity and is performed when the resident approaches a service provider for the first time

122. 122 Authentication Need for Best Finger Detection (BFD) (Contd.) BFD application feedback helps resident to clearly identify which of his/her fingers are good for authentication Best finger process is expected to o Indicate all good fingers apart from best fingers o Suggest action in case no good fingers are found BFD server at UIDAI end processes incoming requests and determines best fingers amongst received fingers BFD server ranks the fingers in accordance with their suitability for authentication Resident is expected to use his/her fingers in the order of ranking provided

123. 123 Authentication Need of Best Finger Detection (BFD) (Contd.) The accuracy of fingerprint matching for all the fingers of a person may vary widely. BFD is the process of finding out the best finger of a person which provides the maximum accuracy and maximizes the probability of securing a match.

124. 124 Authentication Need of Best Finger Detection (BFD) (Contd.) Once BFD is done, the resident can use his/her best finger/s for authentication. This will reduce the time of authentication process by reducing the number of tries by a resident to obtain an accurate matching result. Best Finger can change over time. You should communicate this to the resident when required.

125. 125 Authentication Need of Best Finger Detection (BFD) (Contd.) Key benefits of BFD:  Indicates all good fingers apart from best fingers  Provide consistent and higher authentication accuracy  Improves reliability of authentication  Indicates suggested actions in case no good fingers are found  Identifies residents who may need to update their biometrics  Identifies residents who may need to use alternate authentication mechanisms due to inherent poor fingerprint quality

126. 126 Authentication BFD Process All ten fingers are captured from both hands of the resident and the best fingers are detected among them.

127. 127 Authentication BFD Process (Contd.) BFD Process Workflow:

128. 128 Authentication BFD Response Interpretation BFD response ranks the fingers based on the matching score Rank in descending order is returned for all fingers which can be used for authentication For the fingers which cannot be used for authentication due to low matching score, rank “-1” is returned Resident should start by using his/her fingers ranked “1” during authentication

129. 129 Authentication BFD Response Interpretation (Contd.) Return code - “00” - Successful –Two best fingers indicated with rank 1 & 2 so no further action is needed –Other fingers that can be used for auth are ranked in ascending order –Fingers not ranked (represented by -1) cannot be used for auth. Return code - “01” - No best finger found –Indicates fingerprint quality of resident is good –Check if Aadhaar number is entered correctly –Repeat BFD by paying attention to order of finger scanned –If Aadhaar was entered correctly, sequence of fingers scanned was right, then, biometric update will be needed for the resident through Aadhaar update process

130. 130 Authentication BFD Response Interpretation (Contd.) Return code - “03” - No best fingers found –Check if Aadhaar number is entered correctly –Repeat BFD by paying attention to order of finger scanned –If Aadhaar was entered correctly, sequence of fingers scanned was right, then one possibility is resident fingerprint quality is very poor for authentication. Resident may obtain authentication results with very low reliability Return code – “04” - Biometrics are not present in gallery, and user should go for re-enrolment

131. 131 Authentication BFD Response Interpretation (Contd.) Return code - “99” - Biometrics related to Aadhaar number is not present in authentication database and is being populated –Try after some time –If the error persists, please refer to error code in the CONSOLE and report to technical support For all other failure scenarios, “99” is returned - “Server cannot determine what action you should take, please look at the error code and see what needs to be done” –The error code, like in Authentication, will provide the context for what has happened on the server –For example, if error code was 510 – Invalid XML, the action is to fix the application code. Report the error code to technical support. Try repeating the test

132. 132 Authentication Critical Factors for Successful BFD  Do multiple captures (3 attempts) for a finger  Keep the finger straight  Try to cover entire area of the sensor glass  Apply medium pressure  Use clean fingers  If fingers are excessively dry, wipe with wet cloth/ use wet sponge  If excessively wet, wipe it dry  Use of Rank 1 and Rank 2 finger for authentication is recommended Mark biometric exceptions in the BFD Application Issue a BFD Receipt to the resident

133. 133 Authentication Single finger authentication In Single finger authentication, after capturing the first best finger, the record is sent to UIDAI If the authentication transaction is successful, then proceeds to next stage If the authentication is unsuccessful, apply two finger authentication

134. 134 Authentication Two finger authentication First, single finger authentication should be tried. If authentication unsuccessful, apply two finger authentication In Two finger authentication, capture second best finger of the resident If successful, then proceeds to next stage If the two finger authentication is unsuccessful, the same process should be repeated In second attempt, resident should not put the same finger again. Then the device will display “duplicate finger” error. Put the other best finger.

135. 135 Authentication Example of Fingerprint Authentication Suppose for a Resident - Right Hand Thumb is the 1 st Best Finger and Right Hand Index Finger is the 2 nd Best Finger, which have been determined using Best Finger Detection (BFD) process

136. 136 Authentication Example of Fingerprint Authentication (Contd.) Single finger authentication Capture 1 st best finger Record is sent to UIDAI and “Yes/No” response is received If authentication successful, then proceeds to next stage If authentication unsuccessful, apply two finger authentication

137. 137 Authentication Example of Fingerprint Authentication (Contd.) Two finger authentication Capture 1 – 1 st best finger – single finger auth transaction On failure, Capture 2 – 2 nd best finger – two finger auth transaction On failure, Capture 3 – 1 st best finger – two finger auth transaction On failure, Capture 4 – 2 nd best finger – two finger auth transaction This flow helps to achieve authentication in minimal number of captures.

138. 138 Authentication Best Practices in Aadhaar Authentication  Operator must examine the fingers of the resident o In case, fingers are excessively dry, wipe with damp cloth o In case, excessively wet, wipe it dry o In case, fingers are not clean (dust/oil/grease), operator can request resident to wash the fingers with soap.

139. 139 Authentication Best Practices in Aadhaar Authentication (Contd.)  Quality checking software implemented on the device represents the quality of finger prints image captured by assigning NFIQ value from 1 (highest quality) to 5 (lowest quality) o Capture high quality fingers to obtain the highest NFIQ score (if possible NFIQ 1 & 2) o In case, the score is 4 and 5 (which represents bad quality finger prints image), ensure that the resident is using his/her best finger(s), and recapture the finger prints up to 3 times to obtain highest NFIQ score

140. 140 Authentication Best Practices in Aadhaar Authentication (Contd.)  Install only applications provided/approved by the Bank  Keep the scanner surface dry and clean using a piece of cloth  Employ multiple attempts in case of failures

141. 141 Authentication Best Practices in Aadhaar Authentication (Contd.)  Keep the finger straight  Place the finger to try and cover the entire area of the sensor glass  Applying medium pressure

142. 142 Authentication Importance Of Ergonomics and Finger Placement

143. 143 Authentication Importance Of Ergonomics and Finger Placement (Contd.)

144. 144 Authentication Summary In this module you have learnt about: Aadhaar Authentication Types of Aadhaar Authentication Aadhaar Authentication process Need for Best Finger Detection (BFD) BFD Process BFD response interpretation process Single Finger and Two Finger Authentication Best practices in Aadhaar Authentication

145. Authentication 145 Quiz Describe the types of Aadhaar Authentication. What is Aadhaar authentication process? What are the needs of Best Finger Detection (BFD)?

146. 146 1.What should be done if the Fingerprint of the customer does not match while carrying out a transaction? If BFD has not been done for the customer earlier, it should be done now If BFD has been done ensure that the customer is using the finger which has the highest rank (rank 1) If still unsuccessful customer should try using the second best finger If authentication fails in spite of several attempts, clean the screen of the fingerprint scanner with a soft micro lint or lint free cloth before repeating the attempt If rank 1 and rank 2 best fingers fail even after several attempts, try with all 10 fingers If authentication fails again follow the exception handling procedure specified by the AUA Troubleshooting

147. 147 2.What should be done if the customer attempts to withdraw some amount from the bank account and the transaction fails although authentication is complete? Check the customer’s Aadhaar number and ensure that it has been properly entered Verify that the correct bank (Name / IIN) has been selected Ask the customer to verify existing balance and whether the withdrawal amount is within the available balance Verify whether withdrawal amount is exceeding the maximum transaction limit Ask the customer to check for any other problem regarding the account status Troubleshooting (Contd.)

148. 148 3.Does the customer get his money back if a cash deposit transaction fails or times out? If yes, what is the procedure? If a cash deposit transaction fails or times out, then the message on the terminal would show the status of the transaction as failed. At this point the money must be returned by the BC to the customer. However, it is recommended that the customer initiates a balance enquiry to check whether the balance has been affected. Accordingly another attempt may be initiated. Troubleshooting (Contd.)

149. 149 Review of a Funds transfer transaction Troubleshooting (Contd.) Remitting Bank Beneficiary Bank Transfer of Funds Remitter Beneficiary 1 2 3 1.Remitter approaches BC and initiates the funds transfer 2.The remitting bank after authenticating the remitter’s identity transfers the funds to the beneficiary’s bank 3. The Beneficiary bank credits the amount to the beneficiary’s account

150. 150 4.What happens if the remitter enters an incorrect beneficiary Aadhaar Number for a Fund Transfer transaction? In a Fund Transfer Transaction, the beneficiary’s Aadhaar number has to be entered twice. The transaction progresses only if both the entries are identical. Scenario 1: Aadhaar Number does not exist in the database In case, the remitter enters the Aadhaar Number of the beneficiary incorrectly during a Fund Transfer transaction and such an Aadhaar Number does not exist in the UIDAI database, then the transaction will get declined with appropriate response on the MicroATM terminal. Scenario 2: Valid/Invalid Aadhaar Number and/or Correct/Incorrect IIN If the customer enters an incorrect IIN for the beneficiary, although the Aadhaar number is correct, the transaction will get declined by the beneficiary bank with an error message as “Invalid IIN” In both of the above scenarios check and re-check that the Aadhaar number and the IIN have been correctly entered Troubleshooting (Contd.)

151. 151 5.What should be done if there is error and the transaction could not be completed? Try to identify the type of error Explain the reason for the failure to the resident Follow the procedures and guidelines to try and resolve the problem Check SIM card, internet connectivity In case of connection problems wait for a reasonable length of time before retrying If the error continues contact the bank’s technical help desk Troubleshooting (Contd.)

152. 152 Few examples where Operator can take corrective actions:- “300” – Biometric data did not match Possible Corrective Actions- Ensure correct Aadhaar number is entered and try authenticating again with another finger Ensure finger is placed correctly Ensure fingers are clean Ensure finger is not very dry Ensure fingerprint scanner is clean On repeated failure, contact UIDAI helpdesk, narrate the problem, and get details on the process to update biometric information “310” – Duplicate fingers used Possible Corrective Actions- Ensure that the resident is providing distinct fingers (two different fingers) for “two finger” authentication Troubleshooting (Contd.) Understanding Errors

153. 153 “561” – Request expired Possible Corrective Actions- Verify that the device/client date/time is synchronised with Indian Standard Time (IST) and resend the authentication request “562” – Timestamp value is future time Possible Corrective Actions- Verify that the device/client date/time is synchronised with Indian Standard Time (IST) and resend the authentication request “563” – Duplicate request Possible Corrective Actions- Send the authentication request once again “572” – Invalid biometric position Possible Corrective Actions- Provide fingerprint once again by placing the finger correctly on the scanner Troubleshooting (Contd.) Understanding Errors (Contd.)

154. 154 “800” – Invalid biometric data Possible Corrective Actions- Retry the operation “811” – Missing biometric data in CIDR for the given Aadhaar number Possible Corrective Actions- Ensure correct Aadhaar number is entered and try authenticating again In case of repeated failure, contact UIDAI helpdesk, narrate the problem and get details of the process to update biometric information “812” – Resident has not done “Best Finger Detection” Possible Corrective Actions- Apply BFD process for the resident “997” - Invalid Aadhaar Status Possible Corrective Actions- Contact UIDAI Helpline “998” - Invalid Aadhaar Number Possible Corrective Actions- Ensure correct Aadhaar number is entered If same error appears, tell the resident that your Aadhaar number is not valid Troubleshooting (Contd.) Understanding Errors (Contd.)

155. 155 Technical errors:- “312” – Fingerprint Record related issue Possible Corrective Actions- Contact AUA technical helpdesk “313” – Single Fingerprint record contains more than one finger Possible Corrective Actions- Ensure that the resident is providing single finger for authentication “314” – Number of Fingerprint Records should not exceed 10 Possible Corrective Actions- Ensure about correct number of Fingerprint Records “500” – Technical issue Possible Corrective Actions- Contact AUA technical helpdesk Troubleshooting (Contd.) Understanding Errors (Contd.)

156. 156 “501” – Technical issue Possible Corrective Actions- Contact AUA technical helpdesk “502” – Technical issue Possible Corrective Actions- Contact AUA technical helpdesk “503” – Technical issue Possible Corrective Actions- Contact AUA technical helpdesk “504” – Technical Exception Possible Corrective Actions- Try again Troubleshooting (Contd.) Understanding Errors (Contd.)

157. 157 “511” – Client application issue Possible Corrective Actions:- Contact AUA technical helpdesk “520” – Invalid device Possible Corrective Actions:- Contact AUA technical helpdesk “541” – Technical issue Possible Corrective Actions:- Contact AUA technical helpdesk For other error handling solutions and latest updates on error codes, visit https://developer.uidai.gov.in/site/node/39https://developer.uidai.gov.in/site/node/39 Troubleshooting (Contd.) Understanding Errors (Contd.)

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