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Polity & Governance
Mahesh

21/09/22 16:50 PM IST

New security feature added to Aadhaar-linked payment systems to prevent frauds

In News 
  • The Unique Identification Authority of India (UIDAI) has introduced a new security feature to the Aadhaar Enabled Payment System (AEPS).
  • The security feature called fingerprint ‘liveliness’ is expected to help prevent the use of fake fingerprints to withdraw money through AEPS.
About New Feature 
  • The new feature has been pushed to AEPS point of sale (PoS) machines via a software upgrade.
  • Now the PoS now will be able to determine whether the fingerprint being used belongs to a person who’s alive or not. 
  • Liveness detection in biometrics is the ability of a system to detect if a fingerprint or face (or other biometrics) is real (from a live person present at the point of capture) or fake (from a spoof artefact or lifeless body part).
AePS 
  • AePS (by National Payment Cooperation of India) is a bank-led model which allows online interoperable financial inclusion transactions at PoS (MicroATM) through the Business correspondent of any bank using the Aadhaar authentication. AePS allows you to do six types of transactions.
  • Cash Deposit
  • Cash Withdrawal
  • Balance Enquiry
  • Mini Statement
  • Aadhaar to Aadhaar Fund Transfer
  • Authentication
  • BHIM Aadhaar Pay
  • The only inputs required for a customer to do a transaction under this scenario are Bank Name, Aadhaar Number and Fingerprint captured during enrollment.
Source- Indian Express 

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