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Following the Supreme Court judgment on Aadhaar and in order to address privacy concerns and limit data sharing, UIDAI has launched a ‘Aadhaar Paperless Local e-KYC’ method which is an offline method for identity verification wherein verification can be done without sharing biometrics or even Aadhaar number. This method also allows you to choose the Aadhaar related details you want to share for identification purposes.
Government is pushing for offline tools to verify Aadhaar of a person by a method which will not require sharing of biometrics or involve UIDAI servers. According to the report, there are two ways of offline Aadhaar verification – by using QR code on the Aadhaar card and via Paperless local e-KYC. The Paperless local e-KYC involves generation of a digitally signed XML which can be stored in laptop and phone.
Aadhaar authentication and e-KYC services are available to different sectors of the industry ranging from Banks, Insurance companies, Government Organizations, Passport Offices, Airports, Depository Participants, Payment Gateway Provider, etc
Advantages of e-KYC
The Aadhaar e-KYC has a number of benefits associated with its use, which is listed below
How Paperless e-KYC works
According to UIDAI’s website, digitally signed XML offers a secure shareable document which can be used by any Aadhaar number holder for offline verification of identification.
This service allows Aadhaar card holders to download an XML file which can be used for offline verification purposes. It is a digitally signed document containing Aadhaar related details which can be generated by the Aadhaar card holders by themselves. A user can use this XML file for Aadhaar verification purpose without the need to mention their Aadhaar number.
Only Name and Address will be present in XML file whereas Aadhaar holder has option to choose from the five other details – Photo, date of birth, Email, Mobile number and gender.
Once the data is downloaded from the UIDAI’s website, you can take this file to the service provider for verification purpose. The service provider will access the XML file to verify the details. You will be required to provide your email and mobile number.
Here is the figure representing the daily transaction of Aadhaar e-KYC.
How to generate XML file for offline verification
To use this service, your mobile number must be registered with the Aadhaar database. Here’s a step by step guide on how you can download your Aadhaar data to generate an XML file for offline verification purposes.
You can extract and save the XML file from the ZIP document downloaded from the website by entering the share code entered by you in the Step number 6 above.