Aadhaar based Video KYC for opening Savings and Current Accounts

Customer will fill the online form to open a Bank Account on a Website or Mobile App of the Bank

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Customer will enter the Aadhaar number in the form

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Bank will retrieve the Customer's details and Photograph from the UIDAI database

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After submitting the form the Customer will get an option to complete the Video KYC

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Bank Agent will take a Screenshot of the Customer's face from the Live Video, which will be watermarked with CAF Number, GPS Coordinates, Agent Name, Agent Code, and Date and Time Stamp.

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Bank server will pass the Customer's Photo and other details from UIDAI to the Agent on the Chat Screen

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The Bank Agent will initiate a Two Way Video Call with the Customer

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The Customer will then get connected to a Bank Agent on Text Chat, who is logged in using a Login / Password

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Bank Agent will compare the Customer's photo with the photo obtained from UIDAI using a Face Comparison API, and check the % match

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Bank Agent will ask the Customer to sign on a blank piece of paper, take a screenshot of it, and tag it as Customer Signature. The image will be watermarked with CAF Number, GPS Coordinates, Agent Name, Agent Code, and Date and Time Stamp.

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Screenshot of Customer's Face and Signature will be copied in the Online CAF along with the GPS coordinates, and other watermarking

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Agent will verify all the other details with the Customer over the Video like Name, Address, Date of Birth etc

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The complete interaction, screenshots, files, and recorded video will be available on a single web page, which can be linked to the Customer record

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The complete Video Recording, Customer Screenshot, Signature Screenshot will be stored on the company server forever against the Customer's record

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The complete interaction will be recorded over the Video, and will be tagged with the CAF number as evidence

If the Customer wishes to do the Video KYC at a later stage, the same service will be available on the Bank's Website, like www.BankWebsite.com/KYC

The Customer will be asked to enter the CAF Number / Tracking ID, and verify using Mobile Number OTP