Proposal to re-engineer Life Certificate issuance process for
Pensions
I. As Is Process for Life certificate of central government
civil pensioners
A pensioner of the central government is required to submit a
life certificate in the month of November every year in a
prescribed form. By a recent amendment to the rules, a pensioner is
exempted from personal appearance at the bank where his pension
account is. The pensioner can now get the form attested by a
designated officer and send the form to any branch of the bank
where his account is through post, in person or through any other
person. The branch where the life certificate is received is
responsible for sending the life certificate to the branch where
the pensioner has his account .
II. To Be Process for Life certificate of central government
civil pensioners using
1. Aadhaar and Finger print biometric
A. Enrolment
Aadhaar card number is seeded in Central Payment and Accounting
office (CPAO) database. CPAO database contains details of the
pensioner like Name, dept /ministry in which the pensioner last
served, accounts officer issuing PPO with code number , date of
retirement of pensioner, date of commencement of pension, pension
disbursing treasury/PAO/Bank/Branch with code number, name of link
branch with code number and pension details.
Any branch of the bank through which the pensioners pension is
being disbursed may be designated as a nodal agency to capture
Aadhaar number and link to pensioners pension account number .The
database also contains the Pension account number along with other
required details.
A pensioner would need to visit a nearest Common Service Center
, PDS shop, Post office and other govt offices providing e-services
. These centres would be equipped with biometric devices to take
finger print for authentication. It is also proposed that banking
correspondents may also be leveraged for taking bio metric of the
pensioners. The advantage is that pensioner may not need to visit
any center for providing bio metric details.
B. Authentication
The following steps would be undertaken to receive life
certificate:1. Pensioner visits nearest designated center in
November of every year to provide biometric details.2. Pensioner
provides finger scan and Aadhaar number into the device.3. The
details in step 2 are sent to application maintained by Central
Payment and Accounting office (CPAO).4. CPAO application contacts
UIDAI database to confirm the identity of the Pensioner.5. On
confirmation, the application at CPAO sends intimation to the
Pensioners link bank confirming that the Pensioner is live.
2. Aadhaar and voice biometric
A persons voice is unique, much like a persons fingerprint, iris
or face. There are over one hundred voice characteristics that can
be measured to determine who a person is based on his voice. Voice
biometrics uses the features of a persons voice to ascertain the
speakers identity. Voice biometrics, like other biometric systems
verifies a person by comparing the users biometric sample, such as
a spoken password, with a reference biometrica sample of the same
type of biometric provided by the individual in question, called a
reference voiceprint. To identify a person using voice biometrics,
a persons voice needs to be captured.
A. EnrolmentAt the time of retirement, a pensioner, after
providing his identification, can record his voice at a designated
center. The seeding of voice data can be in the UIDAI database. In
case of existing pensioners, they can visit the designated center
and after identifying themselves, enrol for voice biometrics.Any
noise in enrolment environment can be filtered by using programs
that are developed for this purpose.Changes in voice of a user with
age would require the user to enroll/update voice biometric at
regular interval viz. every 5 years
B. Authentication
The following steps would be undertaken for life
certificate.
i. Pensioner calls a designated phone number.ii. Pensioner types
his Aadhaar number and provides his voice sample on a cue.iii. The
details in step 2 are sent to application maintained by Central
Payment and Accounting office (CPAO).iv. CPAO application contacts
UIDAI database to confirm the identity of the Pensioner.v. On
confirmation, the application at CPAO sends intimation to the
Pensioners bank confirming that the Pensioner is live.
3. Proposed process flow diagram
4. Logical Architecture
The following depicts the logical architecture of the proposed
system
Pensioners Government DepartmentBanksFinger BiometricMobile
/PhoneCPAO life certificate moduleReporting and Dash Board
Messaging servicesSystem ModulesCPAO DatabaseSecure
DatabaseArchival Logical ArchitectureAuthenticationService
AgencyUID AuthenticationSecurity LayerLink Bank 1Link Bank2Link
Bank NPaying Bank
