Aadhaar card has become an important document as it is linked with an applicant’s bank account, financial transactions, and even income tax returns. That is why, when any applicant applies for a loan or transacts with an organization, his/her Aadhaar card is usually required to be submitted. The Aadhaar card is also a part of the KYC formalities as it can serve as proof of identity, proof of address, and even proof of age.
Submission of the Aadhaar card can be made offline, in the form of a physical copy, or, online, in the form of a digital image. Whether the Aadhaar card is submitted online or offline, organizations need to verify it for authenticity. Aadhaar card verification is, therefore, an integral part of processing an applicant’s application. The transaction is, then, completed only after the organization successfully does the verification, and the identity of the applicant is proved.
Challenges with Aadhaar card verification
If the Aadhaar card is submitted offline, the organization can match the copy of the card to the applicant’s original card. In this case, there would be no issues in verifying the card’s authenticity. Challenges, however, are encountered when the soft copy of the Aadhaar card is submitted to the organization and needs to be verified. Moreover, if the organization converts the physical copy of the Aadhaar card into a digital format and then undertakes verification, the verification department might face challenges. These challenges can stem from the following common issues -
- Distorted images - If the scanned or digitized image is hazy or unclear, the correct data cannot be extracted. Moreover, it also questions the authenticity of the data and might not provide reliable information.
- Chances of cyber fraud - With the advancement of the internet, the chances of cyber fraud have increased. Cybercriminals can misuse the data of others, morph them, and use it for cyber fraud. With digitized Aadhaar cards, there is a high risk of cyber fraud, and the authenticity of the Aadhaar card being authentic is questionable.
- Physical verification is inefficient - The way to eliminate the possibility of online frauds is physical verification. However, physical verification is not feasible in today’s digital age, and it also requires the organization to put in precious man-hours which is ineffective and drives up the cost.
The organization, thus, needs a digital solution to verify the Aadhaar card of its applicants, and this is where Docsumo steps in. Docsumo provides organizations with a digital API that helps them verify the Aadhaar card in real-time without the possibility of errors or frauds.
Steps for Online Aadhaar verification
Here are the steps involved in Aadhaar card verification using Docsumo’s API -
- Document upload
The first step is uploading the document. Organizations are required to upload all the documents of their applicants into Docsumo’s Aadhar Card data extraction API so that the verification process can begin.
- Document classification
Once the documents are uploaded, the next step is the auto-classification of the documents based on pre-trained documents in the system. Docsumo sorts through the uploaded documents and classifies similar documents into one group. So, all the KYC documents are classified into respective categories.
- Detection of fraud
This is the most important and instrumental step in the verification of the Aadhaar Card. Docsumo carries out the necessary steps to check the type of the uploaded Aadhaar card, i.e. whether it is a black and white image, scanned image, or a photo of a photo. If the Aadhaar card is uploaded from secondary sources, like printouts, the chances of fraud are higher.
- Extraction of data
Once the fraud check is complete and the uploaded Aadhaar card is established to be authentic, the API would extract the data from the card and stack it in a readable format. This helps the organization to find the data instantly without having to check the uploaded Aadhaar card. A file of the extracted data is compiled and shared with the organization for easy use.
- Data validation
Besides checking the authenticity of the uploaded Aadhaar Card, Docsumo’s API allows you to manually review and verify the extracted data before pushing it into your system. Docsumo’s straight-through validation ensures that extracted data is entered in the system without any human intervention.
All these steps are done in real-time, which makes the API quick and resourceful. Organizations are ensured of the authenticity of the Aadhaar card as well as its data, and they can transact with the applicants without worrying about possible frauds. Thus, organizations that deal in transactions involving the Aadhaar card can simplify Aadhaar verification procedure through Docsumo’s API and also to fast-track their transactions.
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