'Relevance' is the name of the game in a constantly evolving technological era. It is certainly at the forefront of everything we do at eMudhra and the culture that is manifested in our employees, processes, and solutions. At eMudhra, we strive to stay relevant in the PKI and online security space by optimizing a market-based approach to drive solutions that address our customers’ financial and statutory needs. Founded in 2008 from the seed of digital signatures, eMudhra has since grown to establish strong roots in online tax filing, insurance brokerage, secure banking, and other consumer and corporate oriented solutions.
eSign Electronic Signature Service is an innovative initiative for allowing easy, efficient, and secure signing of electronic documents by authenticating signer using Aadhaar eKYC services. With this service, any Aadhaar holder can digitally sign an electronic document without having to obtain a physical digital signature dongle. Application Service Providers can integrate this service within their application to offer Aadhaar holders a way to sign electronic forms and documents. The need to obtain Digital Signature Certificate through a printed paper application form with ink signature and supporting documents will not be required.
The Digital Signature Certificate issuance and applying of signature to electronic content is carried out in few seconds with eSign. Through the interface provided by the Application Service Provider (ASP), users can apply electronic signature on any electronic content by authenticating themselves through biometric or OTP using Trusted Third Party (TTP) Aadhaar eKYC services through eSign Service Provider. The interfaces are provided to users on a variety of devices such as computer, mobile phone etc. At the backend, eSign service provider facilitates key pair generation and Certifying Authority issues a Digital Signature Certificate. The eSign Service Provider facilitates creation of the Digital Signature of the user for the document which will be applied to the document on acceptance by the user.
An Application Service Provider (ASP) can integrate eSign online electronic signature service so that the users of that ASP will be able to use eSign. A physical paper form/document which is currently used to obtain digital signature certificate can be replaced by its electronic form and thereby facilitate electronic signature of the signer through eSign.
ASPs who can be potential users of eSign include Government agencies, Banks and Financial Institutions, Educational Institutions etc.
eSign online Electronic Signature Service can be effectively used in scenarios where signed documents are required to be submitted to service providers – Government, Public or Private sector. The agencies which stand to benefit from offering eSign online electronic signature are those that accept large number of signed documents from users.Some applications which can use eSign for enhancing for enhancing services delivery are the following:-
Personal digital signature certificate requires person’s identity verification and issuance of USB dongle to store private key. The access to private key is secured with a password/pin. Current scheme of physical verification, document based identity validation, and issuance of physical dongles does not scale to a billion people. For offering hassle-free fully paperless citizen services, mass adoption of digital signature is necessary. A simple to use online service is required to allow everyone to have the ability to digitally sign electronic documents.
eSign Online electronic signature service, offers applications a mechanism to replace manual paper based signatures by integrating this service within their applications. An Aadhaar holder can electronically sign a form/document anytime, anywhere, and on any device. eSign service facilitates significant reduction in paper handling costs, improves efficiency, and offers convenience to customers.
No. The existing method of obtaining Digital Signature Certificate by submission of a paper application form to a Certifying Authority, key pair generation by applicant Certification of public key of applicant by a Certifying Authority, signature generation as and when required using signature generation tools/utilities , safe custody of key pairs on Crypto tokens by DSC holder till the expiry of Digital Signature Certificate, etc. will continue to exist along with eSign Online Electronic Signature Service.
The Application Service Provider determines the suitability of eSign Online Signature service in their application.
In the traditional Digital Signature system, an individual is responsible for applying for a Digital Signature Certificate to CA, key pair generation and safe custody of keys. The Certifying Authorities issue Digital Signature Certificate to individuals after verification of credentials submitted in the application form. Such Digital Signature Certificates are valid for 2-3 years. Individual can affix digital signature any time during the validity of Digital Signature Certificate. The certificates are revoked in case of loss or compromise of keys. The verification of the individual’s signature requires the verification of whether the DSC is issued under India PKI and also ascertaining the revocation status of the DSC. Key pairs are stored in Crypto Tokens which comply with standards mentioned in the Information Technology Act & Rules to prevent the duplication of keys. It is individual’s obligation for safe custody of Crypto Tokens. The signatures are created using the keys certified by CA.
In the new eSign online Electronic Signature Service, on successful authentication of individual using Aadhaar eKYC services, the key pairs generation, the certification of the public key based on authenticated response received from Aadhaar eKYC services, and digital signature of the electronic document are facilitated by the eSign online Electronic Signature Service provider instantaneously within a single online service. The key pairs are used only once and the private key is deleted after one time use. The Digital Signature Certificates are of 30 minutes validity, and this makes verification simple by eliminating the requirements of revocation checking. Document that is signed using eSign will contain a valid digital signature that can be easily verified using standard methods.
Yes. Document content that is being signed is not sent in the clear to eSign service provider. The privacy of signer's information is protected by sending only the one-way hash of the document to eSign online Electronic Signature Service provider. Each signature requires a new key-pair and certification of the new Public Key by a Certifying Authority. This back-end process is completely transparent to the signer. In addition, Aadhaar eKYC data is not sent back to the Application Service Provider and is retained only within the eSign provider as the eKYC audit record.
Yes. The Electronic Signatures facilitated through eSign Online Electronic Signature Service are legally valid provided the eSign signature framework is operated under the provisions of Second Schedule of the Information Technology Act and Guidelines issued by the Controller. Please refer Electronic Signature or Electronic Authentication Technique and Procedure Rules, 2015 - e-authentication technique using Aadhaar e-KYC services.
At present, eSign Online Electronic Signature Service is offered by CAs. The security requirement for this service is mandated as the same level as currently mandated for CAs. A CA should Sign KYC User Agency (KUA) agreement with UIDAI to enable access to e-KYC service.
The user should have 12 digits Aadhaar Number. For OTP based authentication, the mobile number should be registered with Aadhaar Database.
The communication between Application Service Provider and eSign- Online Electronic Signature Service is operated in accordance with eSign API Specifications and also eKYC API specifications defined by UIDAI.
Once immediate linking of Aadhaar databases with Telecom directory is a reality, the above mentioned restriction will be reviewed.
In the application implementation, an individual is identified using a code or number instead of name. For example in the case of income TAX e-filing, the person is identified by a PAN number. It is a challenge for application to ensure that the individual who have logon using PAN id is the person who has signed the documents. Mapping (seeding) the individual’s application specific ID with their Aadhaar number in the ASP database is recommended to enable the authenticity of the signature.
The Unique Identification Authority of India (UIDAI) has been established with the mandate of providing a Unique Identification Number (Aadhaar Number) to all residents. During enrolment, the following data is collected:
The UIDAI offers an authentication service that makes it possible for residents to authenticate their identity biometrically through presentation of their biometric or using a One Time Password (OTP) sent to the registered mobile phone or e-mail address Verification of the Proof of Identity (PoI) and Proof of Address (PoA) is a pre-requisite for issuance of Digital Signature Certificates by Certifying Authorities. As part of the e-KYC process, the resident authorizes UIDAI (through Aadhaar authentication using either biometric or OTP to provide their demographic data along with their photograph (digitally signed and encrypted) to service providers.
eKYC containing authenticated information about Aadhaar holders can therefore be used in issuing them a DSC as well as carrying out online digital signatures - making it possible for service providers to provide instant service delivery to residents
Based on the verification of identity of individuals and storage of key pairs, three classes of certificates are issued in the traditional way of obtaining Digital Signatures Certificates from a Certifying Authorities. In the case of eSign Online Electronic Signature Service, the Digital Signature Certificates are issued in the following classes.
Upon the biometric or OTP authentication of the individual with the already verified information kept in the database of UIDAI, key pairs are generated and public key along with information received from UIDAI are submitted to CA for certification. Immediately after signature is generated with the private key of individual, the key pairs are deleted. The key pairs are generated on Secure Hardware Security Module to ensure security and privacy. Audit log files are generated for all events relating to the security of the eSign- Online Electronic Signature Service. The security audit logs are automatically collected and digitally signed by ASPs. All security audit logs, both electronic and non-electronic, shall be retained and are audited periodically.
eSign Service Providers offer the eSign Online Electronic Signature Service. Application Service Providers and individuals availing service of ASP are the beneficiaries. eSign Online Electronic Signature Service enables ASP to create paperless environment and individual beneficiaries of ASP save cost and time by using this remote signature capability.
The Digital Signature Certificate used to verify the signature will be valid for 30 minutes and the private key will be immediately deleted after signing. This eliminates any misuse of the certificate and simplifies the need for checking revocation list during signature verification.
Revocation of certificate is not necessary as the certificate validity is 30 minutes and private key is deleted immediately after signature creation.
Yes, Usage will be dependent on the domain requirements. The ASP can use biometric or OTP based authentication for different class of DSCs.
Both eSign online Electronic Signature Service provider and Application Service providers are responsible for archival of their data and application logs. The eSign online Electronic Signature service provider’s logs should include the information received from ASP and also the signature created.
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