Revelation 13:18 NASB

Revelation 13:18 NASB

Friday, April 30, 2010

Coming soon, UID-backed micro ATMs for the poor: Nandan Nilekani

In the short time that Infosys Technologies’ former CEO and co-founder Nandan Nilekani has been part of the government, he has emerged as UPA’s tech czar. Not only is he spearheading the very ambitious Unique Identity (UID) Card project, Nilekani has been recently appointed the chair of the Technology Advisory Group which has the mandate to fix the framework for large and transformational IT projects of the government.

Nilekani parries the ‘czar’ tag as he talks to TOI about his mission to give each and every Indian a unique number — an identity which should be particularly helpful for the poor in terms of financial inclusion. In his mission to evangelise the project, Nilekani has hit the road with a vengeance, meeting everybody — from chief ministers and senior government officials to community and club members. He took time off from one such meeting to speak to Asha Rai. Excerpts from the interview.

Where exactly are you at this point with your project?

Well, it's been about eight months now. We are on target. The finance minister, in his budget speech of July 2009, had announced that we would start giving out the numbers in 12-18 months. This means essentially between August of 2010 and February of 2011. We had a meeting of the prime minister's council on UID which has now become the cabinet committee on UID. We are on target to get there. We have opened offices in Delhi and Bangalore. While Delhi is the headquarters, Bangalore is the technology centre. We have eight regional offices in cities like Chandigarh, Ranchi, and Hyderabad. Out of the eight, five have staff.

We have appointed Ernst & Young to work on the request for proposal (RFP) to appoint our managed service provider which will run our data centre. In January, we launched the RFP for our technology partners. That should be decided in the next few weeks. We are doing a proof-of-concept in three states where we are testing things like biometric enrolment, capturing iris, capturing finger prints, etc...stuff like how much time does it take, what's the quality of the finger prints, the documents required, etc. Basically, we are testing out different aspects.

What's the buy-in for this initiative?

We have been on a massive evangelization drive. I have visited all the states, met most of the chief ministers, told them what's in it for them and what's positive for them. The buy-in is huge. The very fact that I went to meet them, that itself makes them feel good about it. Then I met all the central government bodies, all regulators like sebi, Irda, Trai, etc. So basically everybody's been covered. Now everybody knows what's coming down the road. This year is the year of execution. Before the end of this year, we will be issuing numbers.

The other important thing is that the Census has started. As part of it, they are compiling the National population register. We have an agreement with them that they will collect the biometrics according to UIDAI standards. They will also be a very important registrar for us. We have all these registrars and through many of them we will start issuing cards. We have signed an MOU with Madhya Pradesh and in the next three months will sign MOUs with all the other states.

MicroATMs will soon take banking to poor

In an effort to assist business correspondents (BCs) towards delivering banking services to unbanked poor as part of national financial inclusion mission, the Unique Identity Authority of India (UIDAI), spearheading the initiative, has mooted using microATM devices for the purpose.

The authority, stating that microATM devices be used by BCs to deliver basic banking services at the last mile, said a committee consisting of itself, Indian Banks’ Association, RBI besides various banks went into specifications and uses of the device.

microATM is a first step towards providing online, interoperable, low-cost payments platform to everyone in the country, the authority said. The device, would take its design and system architecture from debit/credit card processing on point-of-service (POS) terminals and combined with authentication services UIDAI will provide.

The microATM deployed by banks either directly or through service providers (individual BCs/ sub-agents of corporate BCs), will be based on bank-led model for financial inclusion providing basic transactions such as deposit, withdrawal, funds transfer, balance enquiry and mini-statement.

The objectives, it said, are to bring down transaction costs, security and transparency of transactions, uniform customer experience and reduce agent training needs. The device can be also deployed by service providers to provide variety of other financial and value-added services, it noted, adding these services will generate increased cash-flows for microATM agents.

Presenting scenarios of last mile collection problems such as interest payments for micro-finance loans, premiums for micro-insurance policies, contributions to micropensions accounts, investments in micro-mutual funds, it said these could be be solved with microATMs.

The device will allow customers to perform basic financial transactions using their UID number and their fingerprint as identity proof (along with Bank Identification Number for inter-bank transactions). Unlike ATMs, cash-in/ cash-out functions, of microATMs will be performed by the operator, bringing down cost of device and cost of servicing the customer.

The goal is to leverage UIDAI’s online fingerprint authentication for banking transactions, without requiring major change to existing banking infrastructure, the authority said adding the microATM functionality has been restricted to small set of transactions, so that it can be robust and simple, but scaled for ubiquitous nationwide deployment.

Thursday, April 29, 2010

Aadhar Watch Initiative Of India

Aadhar project of India is suffering from severe irregularities that may jeopardise its benign purpose, warns Praveen Dalal.

by: Ram K Kaushik in News

The UID project of India was started by the government of India with great disregard to the parliamentary democracy and constitution of India. Objecting to the same Praveen Dalal launched the Aadhar watch initiative of India that has been analysing the grey areas of aadhar project of India.

Although others have also joined in this fight of illegal functioning of aadhar project of India yet the aadhar watch initiative is different from those protests.

Firstly, it is not against the very concept of aadhar project of India. All it is doing is analysing the lacunas from which the aadhar project is suffering and is expecting that the government of India in general and UIDAI in particular would rectify the irregularities of the aadhar project before proceeding further.

Secondly, it is also the exclusive initiative of India that is analysing both micro and macro aspect of aadhar project in the most holistic manner. Surprisingly, Mr. Nandan Nilekani has still not though it fit to consider the serious ramifications mentioned at this initiative. He has not yet understood that the objections mentioned at the platform would arise in any case and may stall the aadhar project just like the Natgrid project.

It would be a good idea to consider the suggestions of Praveen Dalal for various techno-legal aspects of aadhar project. After all if the very foundation of aadhar project is based upon irregularities, it is bound to face difficulties in future. The starting point should be to remove various deficiencies and than proceed further, suggests Praveen Dalal.

Wednesday, April 28, 2010

The story about SOMARK Constitutional Alliance

I am Mark Lerner. I am the Co-Founder of the Constitutional Alliance. The Allance is an organization comprised of state lawmakers, national and state groups as well as private citizens.

We first wrote about SOMARK over 3 years ago. The issue is much more broader than the article conveys. We would ask all citizens to visit http://www.constitutionalalliance.org/ to learn about the Real ID Act 2005, PASS ID Act, biometrics and global information sharing.

 
If people visit the web-site they can download "Your Body is Your ID" and fully appeciate the threat we face by an out of control government. The Alliance has had legislation passed in states opposing the Real ID Act and much more.


2) Why is L-1 significant?

2 a) L-1 is the largest biometric company in the United States and arguably the world. L-1 provides nearly 95% all state driver's licenses. It is involved in the production of all passports and passport cards. It is a global company that has had or does have the former Directors of the CIA, FBI, TSA and others on it's Board of Directors. L-1 also has an intelligence division that has contracts with nearly every intelligence agency of the federal government. In addition to losing a contract for misleading the client and being accused by the SEC for insiders selling stock in advance of adverse financial news (settled suit) L-1, under it's previous name Viisage Technology overstated the capability of it's biometric technology many documented times. There is an attachment to this email which provides what this company believes a "Real ID" compliant driver's license would look like. (the license includes your race and political party). One last point about L-1 Identity Solutions. The company has contracts all over the world and some of those contracts are for National ID cards. It is important that we are each aware that there is a reason for international standards. That reason is international standards are needed to best facilitate global information sharing. Your information, my information being shared like a commodity. DHS is on record stating they believe it would not be right to not share our information and further that DHS gets to decide when DHS does not have adhere to our federal privacy laws. gcn.com/articles/2006/11/29/dhs-floats-proposal-for-global-envelope-of-terrorist-info-sharing.aspx


3) Why should a citizen care that L-1 is a global company and what does it mean to individuals.

3a) Through the Real ID Act 2005 and the PASS ID Act every citizen of the United States would be enrolled into an international biometric system of identification that would link said identification to all aspects of financial control. (read attachment-Your Body is Your ID-not our latest version but it is in PDF)) Standards for state driver's licenses that some mistakenly believe are federal, sometimes referred to a "National ID" in fact come from two international organizations (AAMVA and the ICAO, an agency of the United Nations). If you are new to all this then read page 8, footnote 17 of the Notice of Proposed Rulemaking for the Real ID Act 2005. L-1 also provided their facial recognition technology knowing that technology was going to be tested by the Red Chinese government. Naturally the Chinese wanted to use the technology to identify dissidents. www.democraticunderground.com/discuss/duboard.php?az=view_all&address=103x359125 Think about this-the surveillance cameras on your street corners are pointed at you. It does not matter if you are in your hometown or Paris, France. You can be identified through the use of facial recognition technology, a biometric and CCTV technology (surveillance cameras. You may believe this is Orwellian. This is nothing new and has been going on for sometime. Viisage Technology, now called L-1 Identity Solutions used facial recognition technology to capture the digital facial images of people who entered the Super Bowl in 2001, before the attacks on 9/11. The company claimed huge success in assisting law enforcement to capture people who were wanted by law enforcement. The article in this link describes the failure of the technology epic.org/privacy/surveillance/spotlight/1105/default.html This technology has been used many times since. We should all face the fact we live in a surveillance society. Government does spy on our emails, phone calls and monitor our financial transactions. www.foxnews.com/politics/2009/04/15/nsa-improperly-spying-americans/ A free society and a surveillance society cannot coexist. Are we no better than China? Is that what we are aspiring to? Just two days go I sent out an email describing three programs the DHS implemented to spy on American citizens. Click here: Three More Domestic Spying Programs Revealed


4) What we must know-Under the provisions of the Patriot Act, the FBI has was given legal authority beyond what they previously had. The result has been abuses of NSL's (National Security Letters) www.aclu.org/national-security/internal-report-finds-flagrant-national-security-letter-abuse-fbi The FBI can issue an NSL to L-1 Identity Solutions requesting information such as but not limited to citizens biometric samples/data/templates and you and I would know nothing about it. States have archived databases for their DMV's that L-1 controls. State DMV's would not know the information was provided to the FBI. NSL's require the company sent the NSL not to discuss the NSL with anyone. There are no search warrants or other legal instruments needed before the FBI issue NSL's.



Thank you for your time and consideration.



Mark Lerner