How does user authentication happen using Aadhar esign mandates?
eSign Mandate authentication is triggered via Digio link sent over SMS/Email or SDK trigger using eNACH id and identifier provided by Digio. In both cases below screens open -
The first step is first factor authentication of user Mobile/Email as per CCA guideline.
This opens up the eNACH form. All mandatory values not hardcoded must be filled in.
On clicking ‘eSign Now’, the ESP’s (here, NSDL) Aadhaar signing flow (2nd factor auth.) opens up. Aadhaar or VID has to be entered and OTP received on linked mobile number.
Post successful signing, the green confirmation screen is shown. In case of eSign failure, the program redirects back to the eNACH form. The customer may retry.
An email/SMS notification for successful signing of mandate on Digio with Corporate is also sent to the Customer (as per CCA guideline).
Signing (2nd factor auth) may also happen using an approved biometric device on the Desktop web application or the NSDL Mobile app.
Post user signing, signed XML is passed to your sponsor bank via H2H server for further processing.
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