Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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        LATEST NEWS UPDATES | Use Aadhaar and EMV both for retail payments    </title>
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-The Economic Times



An RBI-appointed panel of bankers will decide on the appropriate technology for retail payments in a month. And the choice is reportedly between Aadhaar, the biometric-based unique identity system, and EMV, a globally accepted technology standard for credit..."/>
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-The Economic Times



An RBI-appointed panel of bankers will decide on the appropriate technology for retail payments in a month. And the choice is reportedly between Aadhaar, the biometric-based unique identity system, and EMV, a globally accepted technology standard for credit..." />
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                            <div align="justify">-The Economic Times</div><p align="justify"><br />An RBI-appointed panel of bankers will decide on the appropriate technology for retail payments in a month. And the choice is reportedly between Aadhaar, the biometric-based unique identity system, and EMV, a globally accepted technology standard for credit card, debit card and ATM transactions, used by Visa and MasterCard. This is baffling. Why should it be one technology standard or the other? Both Aadhaar and EMV should co-exist as payment standards. The incremental cost to modify the point of sale or payment acquiring terminal would be insignificant.</p><p align="justify">The government plans to use Aadhaar to disburse subsidies across the country. The system is supposed to be robust. So, there is no reason why the infrastructure cannot be extended for payments at merchant establishments.</p><p align="justify">Today, the thumbprint of a person with an Aadhaar number is suffice know-your-customer data to open a no-frills bank account and operate micro-ATMs. The person should also be able to use her thumb-print to authenticate payments at machines capable of reading biometric data, querying the UID database to verify her identity and access the related bank account to debit the account and credit the merchant account.</p><p align="justify">Of course, banks will have to procure biometric readers and the same terminal would connect to two different authentication processes. So what? EMV depends on cards with embedded integrated circuits.</p><p align="justify">Such cards with chips are an improvement on cards with magnetic strips, whose data can be skimmed relatively easily. But chips and pins are no match for biometric data unique to each individual. When someone with Aadhaar ID uses his thumb print to authenticate himself, that should be the most secure. For those without Aadhaar, EMV should remain an option. </p>                                                           
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    <br><a href="http://economictimes.indiatimes.com/opinion/editorial/use-aadhaar-and-emv-both-for-retail-payments/articleshow/20656958.cms" class="re" target="_blank">The Economic Times, 19 June, 2013, http://economictimes.indiatimes.com/opinion/editorial/use-aadhaar-and-emv-both-for-retail-payments/articleshow/20656958.cms</a><div class="clear"></div>
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                            <div align="justify">-The Economic Times</div><p align="justify"><br />An RBI-appointed panel of bankers will decide on the appropriate technology for retail payments in a month. And the choice is reportedly between Aadhaar, the biometric-based unique identity system, and EMV, a globally accepted technology standard for credit card, debit card and ATM transactions, used by Visa and MasterCard. This is baffling. Why should it be one technology standard or the other? Both Aadhaar and EMV should co-exist as payment standards. The incremental cost to modify the point of sale or payment acquiring terminal would be insignificant.</p><p align="justify">The government plans to use Aadhaar to disburse subsidies across the country. The system is supposed to be robust. So, there is no reason why the infrastructure cannot be extended for payments at merchant establishments.</p><p align="justify">Today, the thumbprint of a person with an Aadhaar number is suffice know-your-customer data to open a no-frills bank account and operate micro-ATMs. The person should also be able to use her thumb-print to authenticate payments at machines capable of reading biometric data, querying the UID database to verify her identity and access the related bank account to debit the account and credit the merchant account.</p><p align="justify">Of course, banks will have to procure biometric readers and the same terminal would connect to two different authentication processes. So what? EMV depends on cards with embedded integrated circuits.</p><p align="justify">Such cards with chips are an improvement on cards with magnetic strips, whose data can be skimmed relatively easily. But chips and pins are no match for biometric data unique to each individual. When someone with Aadhaar ID uses his thumb print to authenticate himself, that should be the most secure. For those without Aadhaar, EMV should remain an option. </p>                                                           
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                            <div align="justify">-The Economic Times</div><p align="justify"><br />An RBI-appointed panel of bankers will decide on the appropriate technology for retail payments in a month. And the choice is reportedly between Aadhaar, the biometric-based unique identity system, and EMV, a globally accepted technology standard for credit card, debit card and ATM transactions, used by Visa and MasterCard. This is baffling. Why should it be one technology standard or the other? Both Aadhaar and EMV should co-exist as payment standards. The incremental cost to modify the point of sale or payment acquiring terminal would be insignificant.</p><p align="justify">The government plans to use Aadhaar to disburse subsidies across the country. The system is supposed to be robust. So, there is no reason why the infrastructure cannot be extended for payments at merchant establishments.</p><p align="justify">Today, the thumbprint of a person with an Aadhaar number is suffice know-your-customer data to open a no-frills bank account and operate micro-ATMs. The person should also be able to use her thumb-print to authenticate payments at machines capable of reading biometric data, querying the UID database to verify her identity and access the related bank account to debit the account and credit the merchant account.</p><p align="justify">Of course, banks will have to procure biometric readers and the same terminal would connect to two different authentication processes. So what? EMV depends on cards with embedded integrated circuits.</p><p align="justify">Such cards with chips are an improvement on cards with magnetic strips, whose data can be skimmed relatively easily. But chips and pins are no match for biometric data unique to each individual. When someone with Aadhaar ID uses his thumb print to authenticate himself, that should be the most secure. For those without Aadhaar, EMV should remain an option. </p>                                                           
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Home हिन्दी

Use Aadhaar and EMV both for retail payments

Published on Jun 19, 2013   Modified on Jun 19, 2013

-The Economic Times An RBI-appointed panel of bankers will decide on the appropriate technology for retail payments in a month. And the choice is reportedly between Aadhaar, the biometric-based unique identity system, and EMV, a globally accepted technology standard for credit card, debit card and ATM transactions, used by Visa and MasterCard. This is baffling. Why should it be one technology standard or the other? Both Aadhaar and EMV should co-exist as payment standards. The incremental cost to modify the point of sale or payment acquiring terminal would be insignificant. The government plans to use Aadhaar to disburse subsidies across the country. The system is supposed to be robust. So, there is no reason why the infrastructure cannot be extended for payments at merchant establishments. Today, the thumbprint of a person with an Aadhaar number is suffice know-your-customer data to open a no-frills bank account and operate micro-ATMs. The person should also be able to use her thumb-print to authenticate payments at machines capable of reading biometric data, querying the UID database to verify her identity and access the related bank account to debit the account and credit the merchant account. Of course, banks will have to procure biometric readers and the same terminal would connect to two different authentication processes. So what? EMV depends on cards with embedded integrated circuits. Such cards with chips are an improvement on cards with magnetic strips, whose data can be skimmed relatively easily. But chips and pins are no match for biometric data unique to each individual. When someone with Aadhaar ID uses his thumb print to authenticate himself, that should be the most secure. For those without Aadhaar, EMV should remain an option.

The Economic Times, 19 June, 2013, http://economictimes.indiatimes.com/opinion/editorial/use-aadhaar-and-emv-both-for-retail-payments/articleshow/20656958.cms

Tagged with: aadhaar

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