1 Apr 13, 2023

Cloud-Based Mobile Identity Services without a Network

Delivering Real Benefits in Emerging Markets

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Abstract

What is the most demanding environment into which you have delivered a digital identity service? This year Consult Hyperion's TAP (Token Administration Platform) pilot has delivered a voucher service into rural Nigeria where the end-customers have no digital footprint and where there is often no network coverage of any kind. Through the use of the latest mobile and contactless technologies, together with "people-powered mesh networking", we have delivered a cloud-based identity service that enables farmers to gain access to the subsidies to which they are entitled. Steve will provide an overview of this high profile project and draw lessons for the wider identity industry.

Introduction to Consult Hyperion

Consult Hyperion has helped some of the world’s leading organisations to make the right commercial and technical choices within and around

mobile, contactless and NFC-enabled services.

Why Voucher Schemes?

Vouchers are increasingly being used in emerging markets

Government payments to needy citizens

Subsidies for agricultural inputs

Healthcare entitlements

Accurate management of voucher schemes is a challenge

Lack of physical infrastructure for paper records

Lack of telecoms infrastructure for mobile communication

Voucher schemes in emerging markets can be subject to inefficiency, inaccuracy and fraud

This is an identity management problem

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Nigeria has network coverage gaps

http://www.fspmaps.com/

Token Administration Platform

TAP is an innovative solution to voucher administration designed for use in emerging markets

Using NFC technology, contactless cards and tablets

Strong emphasis on customer identification, registration and subsequent authentication

Operates in remote, offline environments

Piloted in Nigeria

Funded by DFID

Working with the International Fertiliser Development Center

And the Nigerian Government Growth Enhancement Scheme

To provide fertiliser subsidies to subsistence farmers

TAP is a World First

Enabling Nigerian farmers to access GES inputs

…using state of the art mobile technology

Connecting on line and off line farmers

…to their local agro-dealers

Even where there is not yet network coverage

…with full weekly reconciliation reports

…and built in fraud prevention and detection

500,000 farmers

2 regions

4 months to build and launch the service from scratch

6 month pilot

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TAP pilot

The TAP service consists of several tasks:

Identity Management

Key components of technology

ELECTRONIC VOUCHERS:

All GES entitlements are distributed

electronically to the Agro-dealers

New vouchers can be created within a few days AGRO-DEALER

ELECTRONIC FORMS:

All farmer registration data are collected

electronically and sent to the core system within a

day or two ENUMERATOR

Key components of technology

IDENTIFICATION BY NFC TECHNOLOGY:

All users are issued with a TAP card

Details of users and vouchers are held on tablets

The card must be tapped to the tablet for every task

Tablet owners must also enter a PIN

They are identified by their photograph and vital statistics

TAP always knows who performed every task and when they did it

Name: Barack Obama

YOB: 1976

ID type: NIMC

ID: 12345678901

Ward: Abaji

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TAP pilot

ONLINE: data is transmitted after each task or at the end of the day

OFFLINE: data is copied to field officers devices and taken into coverage

Identity is managed in cloud but attribute data is made available on the relying party device

Redemption

PHOTOGRAPH FARMER ID

PHOTOGRAPH FARMER

COLLECT FARMERDETAILS

ISSUE CARD TO FARMER

Identity Proofing, Credential & Binding

Enumeration

Identity Assertion

IDENTIFY FARMERDETERMINE ENTITLEMENT

FARMER TAKESSUBSIDIZED FERTILIZER

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Identity Management Lessons

Proprietary8th August 2014

The importance of a simple user experience:

Identity does not need to be complex to the user

The lowest common denominator for identity:

An anonymous (but appropriately linkable) identifier

...supported by a credential under the user’s control

The value of building from robust enrolment process:

14% had no identity documentation

Highlighted many previously-hidden problems with state-issued

identification documents

Cloud-managed identity can work in an offline environment

GES brings many benefits

Farmer registration details captured electronically

• Reducing time, cost and errors

Agro-dealers transact electronically both in coverage and off line

• Accurate data returned to GES database within a week

• Allowing faster settlement and loan repayments

• Giving lenders greater confidence in the scheme

Automatic reports generated

Fraud prevention and detection measures

But that’s just the pilot…

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Extension to other services

TAP can deliver vouchers for many types of service

Government Payments

Healthcare

Voucher schemes

Disaster relief

TAP provides low cost but reliable method for enrolment

Potential use in KYC / AML

TECHNOLOGY LEAP-FROGGING

DURING THE 2014 WET SEASON MORE NIGERIAN

FARMERS USED NFC TECHNOLOGY THAN UK BANK

CUSTOMERS

Tomorrow’s Transactions:thought leadership from Consult Hyperion

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Thank You

steve.pannifer@chyp.com

+44 1483 301 793