Hi All,
Things are not that difficult as it may appear to most of us as far as
having a solution from the banks is concerned from a technical or even cost
perspective. Bigger challange is to have the willingness or push for the
same.
eChecks are provided in many countries as a banking product. In fact there
are several companies in US that perform midoffice work of converting paper
based checks to eChecks for other recipient companies. Even when we talk
about electronic clearing in India it is essentially done by converting a
paper based check to an electronic equivalent. However, it is done by the
bank currently. If an interface to a similar feature can be provided through
net banking or any other equivalent authentication then customers can issue
eChecks using non-paper based authentication. This technology is already
available with most of the banks operating in India. This means that abig
chunk ofthe solution is already present, at least for the individuals who
can use a computer.
Individuals working with banks or RBI can help clarify whether there is any
policy based restriction in providing such an interface or product to
customers if a bank is willing to do so.
DSC has been accepted as an alternative to physical signature in many
eGovernance initiatives, including income tax department, NSDL, ministry of
corporate affairs, etc. Above mentioned suggestion would not really require
DSC though.
Thanks.
Alok
----- Original Message -----
From: "Kotian, H P" <hpkot...@rbi.org.in>
To: "AccessIndia: a list for discussing accessibility and issues
concerningthe disabled." <accessindia@accessindia.org.in>
Sent: Wednesday, March 05, 2014 5:56 PM
Subject: Re: [AI] signature issue
Hi
Digital technology is different in scope and usage to physical signature.
Digital signature only ensures that the digital document is not tampered
in transit or storage and is admissible in court of law.
It cannot be made a substitute to physical signature.
Harish
-----Original Message-----
From: AccessIndia [mailto:accessindia-boun...@accessindia.org.in] On
Behalf Of Ajay Minocha
Sent: 05 March 2014 17:30
To: AccessIndia: a list for discussing accessibility and issues concerning
the disabled.
Subject: Re: [AI] signature issue
Can't we do away with something like digital signature?
I mean by any chance can it be incorporated in the check printing
template designed by Prashant sir?
According to me, if the template is designed in PDF then it could be done.
Regards,
Ajay
On 3/5/14, pavan kumar lingam <l.pavan....@gmail.com> wrote:
Pranav ji I will try to answer the problems that you've pointed out.
1: legislation can be done only if we fight together as a community as
we prohibited ordinance on PWD bill.
regarding stats and number of VI customers that banks have sure I do
agree that its less but still with financial inclusion on cards it
will only increase.
2. with technology advancing from time to time and that too with much
faster rate I don't think its imposible.
if you say most of the people don't track there mobiles often it will
be our mistake once we receive an SMS containing OTP then there must
be a stipulated time duration before which a VI customer should call a
dedicated number (tolfree customer care number can be used for this)
and input the cheque number along with OTP received so that the cheque
can be cleared.
3. in case if our mobile is stolen then we can call customer care from
any other mobile/ landline then stop payment of that cheque and block
it temporaryly as we block our debit card/ credit card.
--
--
l.pavan("help ever & hurt never")
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Ajay Minocha
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