5/6/2009. E toll Database. Census Database. Database. Database. Consumer Balance and Bill Subscriptions. Mobile Connections.

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1 222 individuals who entered Spain illegally were arrested. These persons had no travel documents These detainees claimed origin from Indian held Kashmir. 124 individuals were identified by through biometrics (September 2007) Sweden requested identification of an individual without documents seeking asylum, who claimed residence in Sweden for 4 years identified the individual through AFIS and determined his Identity Card and Passport number, issued in2006 Name: Khalid Hassan S/O: Faheed Gul DOB: 25 Dec, 1975 CNIC: Passport: AQ Issued on: 13 Sep, 2006 A Canadian couple approached their Government to locate real parents of their adopted son The only track available of their son s father was his name Younis K*****, who was a Pakistani student in the early 60 s The Canadian Government requested Pakistan for identifying the father identified through name only Banks verify particulars of customers through before undertaking their business Helps reduce identity frauds This individual is holding accounts with six different banks He attempted to obtain second identity which was blocked E toll base Census base All Utility Bills Consumer Balance and Bill Subscriptions Passport Mobile Connections Financial Relationships Refugee base Fraud and Alien base 6

2 We have two major challenges The database is backed by knowledge discovery and business intelligence infrastructure Financial Exclusion and Poverty Terrorism Population Living below $2 a day Population without access to Microfinance 73% 98% Unbanked Rural Population Households without any accounts or equivalent Bank branches per 1000 population After a recent suicide attack, investigators found limbs of the suspect bomber Theselimbs were fingerprinted and sent to for Identification Through AFIS, the suicide attacker was identified 86% 75% Security Features Document Authentication using PKI base Verification Identity Card Number Fingerprint Template Digital Certificate Citizen Authentication using biometrics Duplicate Detection using biometrics Major Challenge: Cost 70 Million High Security Cards cost around $500 Million Add to this the infrastructure; the total cost comes to around $1 Billion The Government does not have finances for Smart Identity Cards; however, the economy does plans to offer services around the high security smart identity cards as a means to financing the project 7

3 Services for Everyone Identification Emergency and Contact Electronic Visas (for Overseas Cards) Fingerprint Templates Facial Image Savings Account Services for Everyone Major Challenge Cost Defrayal Strategy Banks, which will use the Smart ID to Identify and verify account holders Companies providing life and health insurance services Savings Account Life and Health Hajj Income Hajj Travel (for Overseas Cards) Income Savings Account Life and Health Hajj Income The proposed National Hajj Scheme Government s Income Program; Other Social Programs Earnings on Investment against Citizen deposits Smart Card Contacts Plastic Layer Biometrics Personal Licenses and Certificates (e.g. Citizenship, Visa Free Entry, Bank Accounts, Licenses) Core Identity Application Integrated Circuit Chip Identity API Crypto Extensions Java Card API Java Virtual Machine Plastic Layer Native Operating System Antenna for Contactless Cards Microprocessor on Smart Card ID_CARD_NO , Central Server Smart Identity Card Merchants Photograph Name Personnel Identifier Demographic , (GPRS, Internet) , ID_CARD_NO HAJJ INSURANCE INCOME_SUPPORT Core Banking System Value Added Services NO NONE 1, NO LIFE YES LIFE, HEALTH NO NONE 1, YES LIFE, FIRE 0 E Sahulat and Partner Institutions Electronic Visas (for Fingerprint Emergency and Facial Image Automated Border Templates Contact Identification Control) Financial and Duty Free Travel Travel Banking Clearances 8

4 Biometrics for fingerprint identification for verifying the identity of the holder; and for authenticating transactions Identification Identification data on card holder secured using public key cryptography Facial Image Visual verification Ability for partner applications to retrieve photo in digital form; saving the need for photo capture Electronic Visa free Entry Permit Ability to work with an automated border control system with support for autogates Convenience to overseas Pakistanis when arriving in Pakistan Financial and Banking Ability to work with partner financial institutions to offer secure [biometric] identification Ability to work electronically as a Foreign Remittance Card Duty Free Clearances Travel Ability to store on all Travel where card was used as identification Travel Ability to store Travel for partner insurance companies Storage of all emergency data Medical Contacts Savings Hajj Income savings flow withdrawal and payment flow micro health insurance flow User presents smart card and cash to biometric terminal at participating institution or merchant Merchant enters amount received and places fingerprint to verify Merchant Account is debited and User Account is credited Interest is calculated on all savings and user accounts updated User presents smart card to biometric terminal at participating institution or merchant User enters withdrawal amount and places fingerprint on biometric terminal Biometrics Verified? Cash Given or transfer payment made. User account debited. Merchant account credited Sufficient Balance? Access Denied Transaction Failure 9

5 Citizens make Hajj contributions using the smart identity card based on their personal savings schedules Whensufficient savings aremade made, the citizen becomes eligible for Hajj Prioritization is performed based on date of first contribution Allows Hajj for every citizen willing to save for it Citizen opts for Hajj Scheme and makes first Contribution Contribution (through Cash or Hajj bonds) Profit is added to contribution according to Islamic Investments HAJJ YEAR COST OF HAJJ , , ,000 CITIZEN ID DATE OF FIRST TOTAL CONTRIBUTION CONTRIBUTION , , ,000 83, ,000 1, , , ,000 36, , , ,000 5,600 User opts for Coverage or comes to make an Payment User enters contribution amount and places fingerprint to authorize Digitally Signed Coverage Certificate is issued to user User arrives at participating healthcare institution Institution checks for Coverage If treatment is within Cover, treatment is given and Claim sent for processing Biometric smart identity cards allow for the cost effective management of social initiatives These may be food, health, education, and income support Biometric smart identity cards backed by a core banking system fulfil the infrastructure needed for Financial Inclusion The smart identity card offers a simple savings account on top of which other financial services can be offered Chip With the upcoming smart identity cards, separate smart cards would not be needed for social initiatives Photograph Name Personnel Identifier Demographic Address Family Identifier ACCOUNT ID , , Benazir Smart Card (GPRS) Identification Fingerprint Templates Conditional Cash Grant Performance Certificates E Cash Cryptographic Keys , Core Banking System Central Server and Transaction Manager POS and Transaction Terminal 10

6 Financial Reconciliation ACCOUNT ACCOUNT ID Location 1 67,897, , Location 2 8,231, Bank Branch Branchless Banking ACCOUNT Location 3 17,111, , (GPRS) ACCOUNT Location 4 82,000, , Central Server and Transaction Manager Bank Account Virtual Accounts in Core Banking System Banks Accounts Virtual Accounts Core Banking System Cheques requiring signatures Biometric Smart Cards Photograph NameIncome Personnel Balance Identifier Demographic Chip Chip Food and Health Authorizations Identification Fingerprint Templates Financial and Banking Emergency and Contact Travel Facial Image Scorecards Electronic Visas (for Automated Border Control) Certificates for desirable behaviour Children attending school Visits to gynaecologists 11