1. Who foots the  bill for the modification to the cheque clearing system?
If you say the banks, then how many blind customers do they have? We go back
to  the census and the issue with numbers. Yes, you could legislate for this
but how do you get the legislation through?
2. The OTP with credit cards works because it is near instantaneous. This is
not possible with cheque clearing.
3. All blind people do not  track their phones diligently  so the OTP text
could come anytime. How long should the system wait? What if the person's
phone is stolen in  the interim?

Pranav 

-----Original Message-----
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On Behalf
Of pavan kumar lingam
Sent: Tuesday, March 04, 2014 4:33 PM
To: accessindia
Subject: Re: [AI] signature issue

dear accessindians warm greetings.
how about making use of OTP(1 time password) for this purpose.
as some of our friends suggested it works if we link cheque clearing
service with our registered mobile number.
these days banks are using CTS system for cheque clearing service so
when ever cheque of a visually challenged customer comes for clearing
there must be an option to generate OTP which must be sent to the
customer through an SMS and then bank employ must call the registered
mobile number and get that OTP and then input it in the CTS system
once the system conforms the matching of this OTP with the 1 it
generated then they can proceed with clearance of that particular
cheque.
thanks and regards,
-- 
l.pavan("help ever & hurt never")



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