Respected Sir, Subject: Reg. e-bharat: Integrated e-payment and e-governance system.

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1 From Santhosh Hebbar, Date: Kumbar Jaddi, Hitlalli, Yellapur, Uttar Kannada, Karnataka To THE PRIME MINISTER, Prime Minister's Office, South Block, Raisina Hill, New Delhi Respected Sir, Subject: Reg. e-bharat: Integrated e-payment and e-governance system. e-bharat: Integrated e-payment and e-governance system is a plan which can transform India to completely digital within 2 years of implementation time and capital investment of less than 20,000 crore. The capital investment is returned back within 1 year. e-bharat replaces all the current traditional non user friendly transactions in all sectors (government, private, public) to a single window, one click, highly secured digital system, which can be accessed by even low class uneducated people. Graphical user interface and voice guidance minimizes the requirement of personal assistance/training. Kiosk machines installed everywhere, which will enable high security door step services in all places (10 lac kiosk machines serves all Remote, Rural and Urban areas). Kiosk machine serves 24*7 and all e-bharat features. Implementation of e-bharat will eliminate all the illegal and criminal activities (Corruption, Black Money, Hard cash and associated problems, Hacking in banking sector, Forgery, Fake document, Smuggling, Terrorist activity, Robbery, Black mailing, Mafia and many things) because it is a centralized and synchronized system, every rupee transaction is trackable and accountable and every document issued by any of the authority has a serial number and uploaded digitally in the cloud with digital signature and thumb impression. The way of approach and implementation of e-bharat will automatically regulate almost everything as per law and order. The way of approach and implementation of e-bharat decides everything. Worst situation of a common man is considered while designing e-bharat in accessibility part and a hackers mind is considered while designing security system. This plan is technically fool proof. All options and features integrated are of existing technology in different sectors. I am Santhosh Hebbar, 8 th semester Electrical & Electronics Engineering student of B.M.S.College of Engineering, Bangalore. I have 5 years experience providing customized automation solution to industry (I founded Jagrati Electrical and Electronics Company (unregistered) in 2010). Now it is registered as S2S UniTech Pvt.Ltd Switch to Smart Company ( I have a dream of solving problems of a common man in their day to day life. In this concept, I am working hard and have designed two projects, one is e-bharat: Integrated e-payment and e-governance system and another is FlexiLab: Transforming Engineering Education. I request you to consider my proposal in e-governance and e-payment initiatives and provide me an opportunity to be part of this transformation. Thank you Yours sincerely, (SANTHOSH HEBBAR) santhoshshebbar@gmail.com

2 Why e-bharat, why not AADHAAR e-bharat is similar to AADHAAR project but e-bharat eliminates all the loopholes in AADHAAR and adds many other features. AADHAAR project has lot of loopholes and insufficient data about each user (resident of country). AADHAAR project is mapped for only unique identification, but the actual need is much more than what is focussed in AADHAAR project. One more major drawback is AADHAAR project is done by distributed platform, so in the future huge money will be required for synchronization of all data to make it effective and also it creates synchronization problem due to incompatibility. In AADHAR project it is highly impossible to meet features, security, ease of accessibility and future scope etc. which are included in the proposed e-bharat project. e-bharat is designed mainly focussed on completely cashless and paperless and also reaching the unreachable. Google is the example of centralized and synchronized system. If you have one google account you can access 40+ main services (100+ sub services) in one registration and all data will be synchronized with all services. No need to fill so many forms, no delay in verification and any of the operations. It provides unlimited access for all its users, google has more than 100 crore+ users. Also all service provided by the google is highly secured and easily accessible. Also everything is free for a common man. We have seen an electronic voting machine even operated by the uneducated people due to symbol for each participant. Similarly traffic is signal understandable by everyone. Colour and symbol can be recognized by everyone, even by the child. Like that e-bharat user interface will be carefully designed by graphical user interface which is understandable by everyone. Also it can be customizable as per the user geographical location. e-bharat aim is not only giving the unique identity and single window platform for payment and documents, it also provides the maximum convenience to each user and make whole system as autonomous for all transactions with sufficient secured user data and integration. e-bharat will make all possibilities of elimination of unnecessary work and improve security, easy accessibility, autonomy, flexibility and also transparency of the system. Also e-bharat maps all the transactions reports in an order which will be helpful for further improvement, analysis, tracing, tracking and transparency. It covers digital India, next generating banking, National e-governance, and make in India in a single e-bharat implementation with much more possibility of development compared to individual implementation. e-bharat project have centralized data base and completely synchronization feature. e-bharat consists of 3 main parts they are UniPay-for payment, UniDoc-for digital documentation, UniSync-for synchronizing everything. These are designed to integrate each and every part of the system which is needed by users, businesses and government. e-bharat is a universal platform and mainly focussed on integration with all sectors (Government, Public and private), maximum security and convenience to user. Kiosk machines helps to connect Each and every citizen with government and business digitally. It makes everything possible, improvement, upgradation and expansion is possible with a simple software update from a remote place for the future. e-bharat is supported by many future needed features such as e-bharat UID: Each user (individuals and all sectors offices (Government, Public and private)) all available data will be uploaded in digital format with respected scanned document. All possibility of linking (all types of identity cards (PAN, TAN, TIN, Voting, Licence, Ration, bank account etc.)), GPS location, all types of other services (gas card number, electricity meter number etc.) and other details (Marks cards, Resume, Digital signature, Thumb impression, NFC card, Mobile number etc.), nick name, avatar image, photo etc. is done at the time of creating new account. Once uploaded documents cannot be edited or deleted but can be updated any details at any time with proper scanned document as new file. User e-bharat UID is also linked with family members e-bharat UID. Highly Secured: by combination of multiple security features (OTP, biometric, image, voice processing), authenticated access control and closed loop cross verification system. To login kiosk machine finger print is very much necessary. To do any successful transaction using kiosk machine, user has to show his face to camera. Face detection software recognise and capture. For successful transaction image processing result should be passed and captured image will attached with each transaction. Kiosk machine and users software applications is used to encrypt and decrypt the information and for user interface, All processing of information is done by the server so no data will leak out from the server.. e-bharat has its own server and each user (User Application/Kiosk) will connect to server through its own VPN (Virtual Private Network). Real time monitoring system, backup and advanced software development methods makes system much more robust and secured.

3 Completely Centralized: each individuals and all sector (government, private, public) officials have their accounts in e-bharat server and this data base is stored in such a way that, each and every content of database should be in synchronizable format. It will eliminate compatibility problem and also it enables maximum convenience to users. It will also eliminate fake documents and improve the security. UniDoc converts all applications to easy auto fill format and store in cloud for access to users. All documents have UniDoc ID to recognize the type of document. Centralized database makes single window platform for user. It is also helpful for tracking and tracing of any user. Automatic analysis mapping is also possible with a small add on program. Synchronization: It becomes easy with centralized database. All users have to use over application to access any of the service. Our application at the different sectors will collect bill information (from wherever user registered his e- Bharat UID) and enables one touch bill payment (water bill, electricity bill, insurance, tax etc.) for our user. Synchronization makes everything one touch for users and easy database management for offices of different sectors. UniSync will manage all synchronization in the whole system. Synchronizer will manage automatic application forwarding in offices. So it reduces unnecessary works and saves the time. Also any document issued by any authority will have UniDoc ID generated by e-bharat server, authorized people can cross verify at any time. Hence it makes paperless system. If any application form is also need approval from other users or offices a notification will be displayed in their linked account for approval with maximum security (ex. for NOC respective office get notification). Payment Gateway: is so uniquely designed in such a way that there will not be any delay in payment transaction, easy identification by nick name and avatar image, powerful closed loop cross verification system and powerful synchronization for one touch payments. Payment can be done in online secured certified e-commerce sites, for money transfer QR code scan, saved list and many more user friendly quick option will be available and for offline payment by using NFC, Call, Message. Every payment is synchronized and trackable. No hacking is possible because of Payments can only receive by verified users and cross verified transaction serial number. Also No one cannot pay any amount for their work even they know others credentials. Payment is only possible with registered e-uid accounts. Documents with Payment: For almost every service we have to pay the service charge or registration fee with our application form. UniPay is a payment gateway integrated with UniDoc. User only searches for his required application form, the form will automatically be filled by user database (auto saved) in the server and form is ready for submit. Once the security process is completed it will ask to confirm, if user selects confirm the transaction serial number will be generated in server after successful payment and naming that document with user name, e-bharat UID and transaction serial number. Synchronizer application in other end will store document in respective folder as per database management setting. It makes all the process in few touches. Kiosk Machine: To make 24*7 service for all users in their geographical location kiosk machines will be installed, it also helps to access e-bharat features who does not have smart phone or laptop. It provides graphical user interface for all services in e-bharat. 10 lac+ kiosk machines covers whole country (remote, rural, urban) and makes every service in door step. It will have large touch screen, keyboard, fingerprint scanner, Wi-Fi hot spot, battery backup, CCTV, HD front facing camera, pre-installed secured kiosk application etc. It sends all information in encrypted format to server and decrypt receiving information and display to the user. All processing of information is done by the server. It will help to improve the security. The Wi-Fi hot spot will provide accessibility (only to e-bharat server) to the server in user devices (mobile, laptop) through application. Also kiosk machines having VOIP and remote display support. This will help to user when they needs an assistance. Voice and type support grievance or complaint registration system also enabled in kiosk machines. Mobile technology is used in kiosk machines, so it costs < Rs 20,000/-per device. Returns: e-bharat has integrated payment system. The transaction charges are decided by the government and RBI, basically for a common man and low income businesses transaction charges are free. After the transaction limit crosses, transaction charges are in slab manner. So that it will be competitive and attractive. As per the e-bharat plan, once it is being able to operate by all citizens, then there will no cash transactions. So maximum amount will be liquidised and it can be used for development works. By summing up all the income of e-bharat will be much more than what it actually needs for maintenances and further expansion (because it eliminate all possible wastages and leakages, so each rupee will be more productive). In this way in a single implementation, e-bharat will reach and accessible by everyone and make an unbeatable and unique basement for FUTURE INDIA. That is DIGITAL INDIA.

4 Below figure shows existing system with many drawback. The system never changes until we are unable to track and improve in the security. Tracking is only possible with proper integration and centralization and utilization of technology. e-bharat will cover all tracking and tracing facility everywhere (even in railway station, bus stand etc. by NFC access control, payment). e-bharat is the practical way of solving most of the problems because all integrations are existing application in different application areas. e-bharat can eliminate all the loopholes and makes one sophisticated system for the future India. e-bharat implementation can make things as below. Peoples are knowingly or unknowingly never go for illegal or criminal activity, because they will come to know nobody cannot escape from punishment. Once the e-bharat reaches and can be operated by everyone then the government has to restrict the cash transaction, then overall security will improve drastically.

5 Implementation of e-bharat will attracts whole global eyes towards India.