Business Correspondent App for Offline Data Verification
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Solution Overview
Problem
Existing methods for gathering and verifying customer information, especially in rural areas without internet access, are prone to inaccuracies due to human error and logistical challenges, such as illegible handwriting and long-distance travel requirements for form submissions.
Innovation Solution
A system utilizing a business correspondent app that scans and verifies customer information via mobile devices, generates a hash, and syncs with a data center for account creation and verification, sending account numbers and PINs via SMS, ensuring accurate data collection and minimizing storage needs.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If paper forms are used for data collection, then citizens can submit information without internet connection, but data accuracy deteriorates due to human error and illegible handwriting
Solution Approach 1:
The patent replaces the mechanical process of manual paper form handling with an automated optical character recognition (OCR) system. The BC app captures images of paper forms and automatically extracts data using OCR technology, eliminating manual transcription and reducing human error while maintaining the ability to collect data from paper forms in areas without internet connection.
Solution Approach 2:
The patent creates a digital copy of the paper form data through image capture and OCR processing. The system generates a hash of the extracted data and transmits it to the data center for verification, allowing the original paper form to remain as the source while a verified digital replica is created and stored, ensuring data accuracy without requiring internet connection at the collection point.
2Measurement precision
If in-person verification is implemented, then data accuracy improves, but logistical burden increases due to travel requirements
Solution Approach 1:
The patent introduces a business correspondent as an intermediary who travels to citizens' locations to collect and verify information in person. The business correspondent uses the BC app to capture, verify, and transmit data locally, eliminating the need for citizens to travel long distances to submit forms while maintaining in-person verification benefits. The system then synchronizes the collected data with the data center when connectivity is available.
Solution Approach 2:
The system performs preliminary data collection and verification at the citizen's location before requiring synchronization with the data center. The BC app stores captured forms, extracted data, and verification information locally, allowing the verification process to be completed in advance without requiring immediate internet connection or citizen travel to a central office.
3Speed
If all customer information is stored locally, then data access speed improves, but storage requirements increase
Solution Approach 1:
The patent extracts only the essential verification data (hash of customer information) to be stored and processed locally on mobile devices, while the complete customer information and detailed records are stored centrally at the data center. This extraction approach enables fast local verification operations without requiring substantial local storage capacity, as only minimal data needs to be retained on the mobile device.
Data Source
AI summary
Gathering and verifying customer information via SMS and in-person representatives. A hash is received with customer account information from a business correspondent application, wherein the account information is given in-person to a business correspondent, the business correspondent enters the account information into the business correspondent app, the account information is verified by the business correspondent after entering the account information in the business correspondent app, and the hash is generated by the business correspondent app after the business correspondent app receives confirmation of verification of the account information from the business correspondent. An account number is generated for the customer. The account number is sent to the business correspondent app and to the customer. An enrollment PIN is sent to the customer, wherein the enrollment PIN is linked to the account number. The business correspondent app is synced after the business correspondent app receives the enrollment PIN from the customer.