In 2009, I became extremely concerned with the concept of Unique Identity for various reasons. Connected with many like minded highly educated people who were all concerned.
On 18th May 2010, I started this Blog to capture anything and everything I came across on the topic. This blog with its million hits is a testament to my concerns about loss of privacy and fear of the ID being misused and possible Criminal activities it could lead to.
In 2017 the Supreme Court of India gave its verdict after one of the longest hearings on any issue. I did my bit and appealed to the Supreme Court Judges too through an On Line Petition.
In 2019 the Aadhaar Legislation has been revised and passed by the two houses of the Parliament of India making it Legal. I am no Legal Eagle so my Opinion carries no weight except with people opposed to the very concept.
In 2019, this Blog now just captures on a Daily Basis list of Articles Published on anything to do with Aadhaar as obtained from Daily Google Searches and nothing more. Cannot burn the midnight candle any longer.
"In Matters of Conscience, the Law of Majority has no place"- Mahatma Gandhi
Ram Krishnaswamy
Sydney, Australia.

Aadhaar

The UIDAI has taken two successive governments in India and the entire world for a ride. It identifies nothing. It is not unique. The entire UID data has never been verified and audited. The UID cannot be used for governance, financial databases or anything. It’s use is the biggest threat to national security since independence. – Anupam Saraph 2018

When I opposed Aadhaar in 2010 , I was called a BJP stooge. In 2016 I am still opposing Aadhaar for the same reasons and I am told I am a Congress die hard. No one wants to see why I oppose Aadhaar as it is too difficult. Plus Aadhaar is FREE so why not get one ? Ram Krishnaswamy

First they ignore you, then they laugh at you, then they fight you, then you win.-Mahatma Gandhi

In matters of conscience, the law of the majority has no place.Mahatma Gandhi

“The invasion of privacy is of no consequence because privacy is not a fundamental right and has no meaning under Article 21. The right to privacy is not a guaranteed under the constitution, because privacy is not a fundamental right.” Article 21 of the Indian constitution refers to the right to life and liberty -Attorney General Mukul Rohatgi

“There is merit in the complaints. You are unwittingly allowing snooping, harassment and commercial exploitation. The information about an individual obtained by the UIDAI while issuing an Aadhaar card shall not be used for any other purpose, save as above, except as may be directed by a court for the purpose of criminal investigation.”-A three judge bench headed by Justice J Chelameswar said in an interim order.

Legal scholar Usha Ramanathan describes UID as an inverse of sunshine laws like the Right to Information. While the RTI makes the state transparent to the citizen, the UID does the inverse: it makes the citizen transparent to the state, she says.

Good idea gone bad
I have written earlier that UID/Aadhaar was a poorly designed, unreliable and expensive solution to the really good idea of providing national identification for over a billion Indians. My petition contends that UID in its current form violates the right to privacy of a citizen, guaranteed under Article 21 of the Constitution. This is because sensitive biometric and demographic information of citizens are with enrolment agencies, registrars and sub-registrars who have no legal liability for any misuse of this data. This petition has opened up the larger discussion on privacy rights for Indians. The current Article 21 interpretation by the Supreme Court was done decades ago, before the advent of internet and today’s technology and all the new privacy challenges that have arisen as a consequence.

Rajeev Chandrasekhar, MP Rajya Sabha

“What is Aadhaar? There is enormous confusion. That Aadhaar will identify people who are entitled for subsidy. No. Aadhaar doesn’t determine who is eligible and who isn’t,” Jairam Ramesh

But Aadhaar has been mythologised during the previous government by its creators into some technology super force that will transform governance in a miraculous manner. I even read an article recently that compared Aadhaar to some revolution and quoted a 1930s historian, Will Durant.Rajeev Chandrasekhar, Rajya Sabha MP

“I know you will say that it is not mandatory. But, it is compulsorily mandatorily voluntary,” Jairam Ramesh, Rajya Saba April 2017.

August 24, 2017: The nine-judge Constitution Bench rules that right to privacy is “intrinsic to life and liberty”and is inherently protected under the various fundamental freedoms enshrined under Part III of the Indian Constitution

"Never doubt that a small group of thoughtful, committed citizens can change the World; indeed it's the only thing that ever has"

“Arguing that you don’t care about the right to privacy because you have nothing to hide is no different than saying you don’t care about free speech because you have nothing to say.” -Edward Snowden

In the Supreme Court, Meenakshi Arora, one of the senior counsel in the case, compared it to living under a general, perpetual, nation-wide criminal warrant.

Had never thought of it that way, but living in the Aadhaar universe is like living in a prison. All of us are treated like criminals with barely any rights or recourse and gatekeepers have absolute power on you and your life.

Announcing the launch of the # BreakAadhaarChainscampaign, culminating with events in multiple cities on 12th Jan. This is the last opportunity to make your voice heard before the Supreme Court hearings start on 17th Jan 2018. In collaboration with @no2uidand@rozi_roti.

UIDAI's security seems to be founded on four time tested pillars of security idiocy

1) Denial

2) Issue fiats and point finger

3) Shoot messenger

4) Bury head in sand.

God Save India

Showing posts with label Digital Wallet. Show all posts
Showing posts with label Digital Wallet. Show all posts

Thursday, December 7, 2017

12469 - Spooked by data breaches, majority scared to use Aadhaar accounts to access digital wallet - Times Now

Spooked by data breaches, majority scared to use Aadhaar accounts to access digital wallet

Dec 05, 2017, 12:30 PM ISTSource : ANI
In the wake of recent reports on Aadhaar data breach by various sources, results from a survey revealed that a majority of the respondents were uncomfortable in using their Aadhaar accounts to access e-commerce accounts or digital wallets.
In the recent past, the government has laid a lot of emphasis on consumers to link their Aadhaar with all important documents like PAN, bank account, mobile number, insurance policies and so on. There have also been reports that some ecommerce sites have been asking consumers to link their website accounts with Aadhaar when they are trying to track a lost package. Many other internet-based businesses like payment wallets have also mandated Aadhaar for the consumers to avail their services.
Internet-based companies like AirBnb, Uber and Ola have also been asking the user to upload a copy of their Aadhaar while registering on the site as a safety measure, so that their true identity could be ascertained.
In this regard, a survey was conducted by LocalCircles on around 20,000 people, broadly on the subject of using Aadhaar details on the aforementioned platforms.
The first poll asked if the citizens would feel comfortable in linking their Aadhaar with their e-commerce site accounts. 61 percent said they would not be comfortable while 30 percent said they were fine with it.
When asked if they would be comfortable in linking Aadhaar with their payment wallet accounts, 49 percent refused, while 33 percent agreed, and 18 percent were neutral.
A related poll asked citizens if there should be a financial penalty for banks, telecom providers or any other organisations that compromise their Aadhaar, bank or call/data transaction details, to which 94 percent replied in an affirmative. They said that in case of data leakage, the respective bank or telecom operator should be severely penalised to ensure that they keep the data security measure to the optimum levels.
Recently, the Unique Identification Authority of India (UIDAI) while responding to some media reports which alleged that "210 Government sites made Aadhaar info public" assured that the Aadhaar data was fully safe and secure, and there has never been a breach or data leak at the UIDAI.
The UIDAI in a notification said the data on these mentioned websites was placed in a public domain as a measure of proactive disclosure under Right to Information (RTI) Act by government and institutional websites, which included the beneficiaries' name, address, bank account, and other details, which also included the Aadhaar number and were collected from the third party/users for various welfare schemes.
Meanwhile, LocalCircles is submitting this report to UIDAI and other stake holders, so that appropriate action could be taken, and cases of data leakage could be minimised.

Thursday, April 14, 2016

9843 - Digital Wallets Now Being Used By Thieves To Transfer Stolen Money! - Trak.In



There can be myriad usages of Digital wallets: it is an convenient, hassle free way to make all your digital payments, pay your bills and more. But what if the same digital wallets are being used by thieves for sinister objectives?

Something similar has been observed in Delhi, where thieves are now using digital wallets to transfer their stolen money. And going by the ‘convenience’ factor experienced till now, it seems thieves are actually enjoying it.

How Does e-Stealing Work: The Modus Operandi
This gang of thieves would call ignorant customers, posing as bank officials, and then steal vital account related information, which is then used to siphon off the money. The stolen money is then routed via various mobile wallets such as Paytm, PayU Money and more and the trail gets lost.

One such businessman from Delhi claimed that once such fraudster called him and enquired about his ATM card. As soon as he revealed information, he found Rs 85,000 has been vanished from his bank account.

Using the digital wallets is easy, as the obtained bank account number is added to the wallet; and one time password is instantly generated. As soon as this OTP is shared, the money gets transferred, and the trail ends.

One police inspector associated with this case said, “A probe was initiated, during which it was found that the money was transferred to different e-wallets registered through phone numbers that were procured using fake IDs. Once the money was deposited in the e-wallets, they were transferred to different bank accounts. The source of these accounts were traced to Chhattisgarh and the two accused were arrested from Mungeli area,”

Who Are These Thieves?
Police discovered that these thieves belong to good families, and one such member is a BCA graduate, while the other is pursuing degree at college.

Lure of fast money, and the security vulnerabilities of digital wallets have been the encouragement for them.

DCP (crime) Bhisham Singh said that these fraudsters admitted that they disguised as RBI officials, practiced several mock calls to sound official and threatening before calling gullible bank customers.

Earlier, we had reported how bank officials have been found scamming their customers by pulling out money from their bank’s apps. An earlier research have already explained how digital money apps are insecure in India; and how security loopholes are prompting scamsters to steal money from them.

At a time when companies like Mastercard are mulling payment verification using selfies, how will law enforcement agencies and digital wallet firms ensure that frauds doesn’t happen?



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Sunday, November 22, 2015

9079 - FreeCharge targets 35 million digital wallet users by March - Hindu Businessline


SANGEETHA CHENGAPPA

Govind Rajan, COO, FreeCharge

BENGALURU, NOVEMBER 17:  

Seven weeks after the launch of its digital wallet, FreeCharge — the online recharge platform that was acquired for $400 million by Snapdeal this April — says it has already garnered 8 million active wallet users and is on track to hit 35 million by March 2016.

The wallet is a combined account between Snapdeal and FreeCharge which all users on both can access by logging into either their FreeCharge or Snapdeal accounts.

“FreeCharge and Snapdeal have a combined user base of 93 million, of which 8 million are active wallet users, including existing and new users. We are adding one million wallet users every six days and are on track to have 35 million wallet users by March 2016” Govind Rajan, COO, FreeCharge, told Business Line.
In line with its vision to become the digital payment O/S of the country, FreeCharge is preparing to launch a suite of merchant products early next month for offline as well as online merchants. It will thereafter launch two new merchant solutions every two months.

Biggest challenge
Stating that the company’s biggest challenge is to create a better, quicker, safer form of currency than cash, Rajan said: “Today cash is our biggest enemy as the prevalence of cash in India is four times as much as its prevalence in similarly developed economies. We are working with merchant partners to get them to accept digital payments instead of cash from their customers and are collaborating with a few in the groceries and QSR space to design and close the products by the month end.” The company has come up with a digital payment solution where offline merchants can accept digital payments from their customers in 5-6 seconds, with existing infrastructure. “Our challenge was to enable digital payments faster than a credit card payment without merchants having to invest in extra infrastructure and also create a user authentication PIN which is instantly generated on the FreeCharge wallet app itself, saving users a lot of time” said Rajan.
The company will initiate a pilot in Delhi in December to enable Aadhaar card holders via biometric authentication to become FreeCharge registered wallet users.
“We will have access to a pool of 930 million Aadhaar card holders who we will help onboard to our digital wallet.”
The company will spend ₹100 crore in a 360 degree marketing campaign showcasing digital payments across every facet during the Indian Premier League 2016.
“We have bought the on-ground rights to the IPL where our target audience of young smartphone users will experience how digital payments work from booking a cab to the venue, buying IPL tickets, food & beverages in the stadium, to buying IPL merchandise and paying to be a part of the post-match celebrations through our wallet” said Rajan.
(This article was published on November 17, 2015)

Wednesday, October 7, 2015

8831 - Freecharge to adopt Aadhaar for KYC - Business Standard


Company says being Aadhaar enabled is key to mass adoption and ubiquitous usage
BS Reporter  |  Bengaluru 

October 5, 2015 Last Updated at 19:28 I

FreeCharge, digital wallet owned by Snapdeal, on Monday said that it would adopt Aadhaar as a know your customer identity (KYC) tool for customers who can enhance their wallets to Rs 1 lakh from Rs 10,000.

FreeCharge, which has around a million wallet users, says that being Aadhaar enabled is key to mass adoption and ubiquitous usage. The firm has partnered with YES bank and FINO, the payments bank licensee. With YES Bank, customers can authenticate their KYC formalities with over 30,000 banking correspondent points.

"For consumers, convenience and speed of transaction are key considerations. We will leverage Aadhaar ID authetication, for paperless, secure KYC, to be completed in a few minutes. We are innovating to bring new models of go to market - for instance doorstep authentication - where customers can request for an agent to come to their home for a doorstep biometric authentication," said Govind Rajan, Chief Operating Officer, FreeCharge and Chief Strategy Officer, Snapdeal in a statement.

"Within a week we hit the one million mark and now leveraging Aadhar enabled KYC gives us access to the pool of over 900 million KYC ready consumers." Freecharge also plans to leverage Snapdeal's extensive delivery reach to scale the doorstep KYC model.

"With lakhs of deliveries a day on Snapdeal, we have a huge and relevant customer connect opportunity for us to synergise with for doorstep KYC. We will soon launch the pilot in metros and then scale this nationwide," said Govind.