incights bro

8/3/2019 InCights Bro

1/19

InCi hts Mobile Solution Pvt. Ltd.

Corporate Presentation

Mobile Apps Based on Natural Language

Processing.

incubated at:As

wirelessapps

arebecoming

more

smarterandsophisticated

,WeBelieve

EveryAppwill

requireauthentication

UsingVoice,W

eProvideUbi

quitous

Authentication

toMobileAp

ps

Chief Mentor:Mr. Anirudh Prabahakaran

( CEO, 3i Infotech.Member IAN)

Tuesday 22 November 11


2/19

The Enabling Team- Multiyear Experience with Access tobest Practices

Class of 2010Best Business Plan Finalist Kit Sponsor For

Mobile Broadband:

Igniting the Service

Revolution



3/19

The person, who has my office id card, can...

The person, who has my credit cards details can...

The person who knows my password, can...

The person, who steals my passport, can...

The person, who is able to forge my signature, can...

The Person, who has access to my mobile, can...

The need forAuthentication, Privacy, and Securityof Mobile Application isupmost, but the Challenge is access and integration to last mile deviceconnectivity and high cost of Authentication.

The Challen es - Authentication



4/19

It becomes obsolete to beware passwords safely or to remember toall of them

Abuse of stolen id cards and passwords will be reduced enormously

Abuse of stolen id cards and passports will be reduced enormously

Taking over foreign identities will be impossible

Building access right to people without the right of admittance will beprevented

Access to devices/computers will be not possible for persons withoutthe right of admittance.

Unnecessary cost of monitoring and managing last mile devices willbe drastically reduced

The Ubi uitous Authentication- Voice

And the biggest advantage is ability to get authenticate from anywhere,anytime



5/19

People do not trust Unknown Voice, though very fewknow beyond Voice.

People are ready to pay only for personalized anduseful apps.

Voice can enable next generation mobile wallets likeVirtual Credit Cards and other mCommerce Apps

Both Rural and Urban markets provides for newinnovative services and method of Distribution, since

telecommunication devices are most pervasivechannel to reach to the people

But ....

Anexponen(al demandforuniqueservices can

be created, so that service availability will

becomeanewchallengetobeaddressedTuesday 22 November 11


6/19

Revenue According to Biometrics Technology (USSD Mn)

The Economics of Voice Biometrics

0"

20000"

40000"

60000"

Finger"Iris"

Face"Voice"

Cost of Last Mile Devices (INR)

HighVery HighLowHighSystem Cost

PossibleNoYesNoLiveness Aware

10%0.001%0.75%0.1%Nominal False RejectRate

4%6%0.75%2.5%Nominal False AcceptRate

~0%7%2%4%Failure to Enroll

4.1%4.1-4.6%0.1 - 0.86%23.3%Equal Error Rate

PassiveActiveActiveActiveMethod

PhysicalPhysicalBehavioralPhysicalType

FaceIrisVoiceFinger

HighVery HighLowHigh

System Cost

PossibleNoYesNoLiveness Aware

10%0.001%0.75%0.1%Nominal False RejectRate

4%6%0.75%2.5%Nominal False AcceptRate

~0%7%2%4%Failure to Enroll

4.1%4.1-4.6%0.1 - 0.86%23.3%Equal Error Rate

PassiveActiveActiveActiveMethod

PhysicalPhysicalBehavioralPhysicalType

FaceIrisVoiceFinger

Sources:

Opus Research: Choosingthe Right Biometric

University of Canberra

European Commission JointResearch Centre, AnEfficient One-DimensionalFractal Analysis for IrisRecognition

FVC2004: Third FingerprintVerification Competition

Preliminary Report onDevelopment andEvaluation of Multi-Biometric Fusion using theNIST BSSR1 517-SubjectDataset

0

0

0

0

0

0

0

2005 2006 2007 2008 2009 2010

AFIS

Multimodal

SignatureVoice

Iris Recognition

Middleware

Hand Geometry

Facial Recognition

Fingerprint



7/19

The DNA of InCi hts

Convert(Voice((

Print(

To(CLASS(2((

SMS((

Voice(Biometric((+(Voice(Print((

(Server(Applica9on(

Voice(Print(

Please(select(

Language(

1. English(2. Hindi(3. Telugu((

Ok(((((((((((((Back(

Please(select(

Service(

1. Top(Fups(2. Register((

(Ok((((((((((((((Back(

Voice(Prompt(

Please(PROVIDE((

Details(1. Name((2. Village(Name(3. App((name((4. District(Name(5. State(Name(

Calling(

54321(

Registering(

Please(Wait(

..((

Sending(

Class(2(SMS(

Voice(Prompt(Please(speak(

Your(PASSWORD(

(

Voice(Prompt((

You(have(been(Registered((successfully(

(

Pl.(remember(Your(password(

((

P

B(

X(N(

U(

M(

Storage(

Accoun9ng(

Content(Applica9ons(

Iden9ty( Devices(

Applica'on*Infrastructure*

Write(

Voice(Print(

To(SIM(with(

Class(2(SMS(..(

(

Incights(Voice((

Plaorm(

Voice Signature

* Patentable With InCights

MultimediaApp



8/19

The DNA of InCi hts

Convert(Voice((

Print(

To(CLASS(2((

SMS((

Voice(Biometric((+(Voice(Print((

(Server(Applica9on(

Voice(Print(

Please(select(

Language(

1. English(2. Hindi(3. Telugu((

Ok(((((((((((((Back(

Please(select(

Service(

1. Top(Fups(2. Register((

(Ok((((((((((((((Back(

Voice(Prompt(

Please(PROVIDE((

Details(1. Name((2. Village(Name(3. App((name((4. District(Name(5. State(Name(

Calling(

54321(

Registering(

Please(Wait(

..((

Sending(

Class(2(SMS(

Voice(Prompt(Please(speak(

Your(PASSWORD(

(

Voice(Prompt((

You(have(been(

Registered((successfully(

(

Pl.(remember(Your(password(

((

P

B(

X(N(

U(

M(

Storage(

Accoun9ng(

Content(Applica9ons(

Iden9ty( Devices(

Applica'on*Infrastructure*

Write(

Voice(Print(

To(SIM(with(

Class(2(SMS(..(

(

Incights(Voice((

Plaorm(



9/19

The Future

Voice Signature

Every Users needs Application and Connectivity to Access Services, This Transaction is

based on certain Principle and Process which can be interpreted by Processing NaturalLanguage Interaction and Enabling Personalization through Multimedia Widgets



10/19

InCi hts Mobile Solution Pvt. Ltd.Business Cases

Dynamic App Generation Based on Natural

Language Processing, Encrypted by

Voice Print



11/19

Asset Tracking(By$the$Right$

Person)$

$(At$the$Right$Place)$

(Through$

the$Right$

Medium)$

(Over$the$Right$

Channel)$

Map$$

Human$Iden@ty$$

with$$

Physical$Assets$$

Using$$

Interac@ve$and$Engaging$

Mul@media$Applica@on$$$

GSM$TechnologiesF$

Cheapest$and$Most$Pervasive$

Communica@on$Channel$$

MICE$

TRANSACTION$

PLATORM$$

Business'Process''

Ontology'

Transaction !

11$



12/19

Fraud- Bankin and Financial Services

* Annual RBI Report 2010: Based on Cases to RBI Ombudsman



13/19

Priority Banking, Credit Card transactions, Healthcare

High-net-worth customers (Comprising of 34% of bank revenue: IBA) areamong a financial institutions most discriminating users of value-added

services. They demand personal attention, privacy, convenience andabsolute security. Today most of the banks offer them the following services:

tailoring services to individual client requirements anticipation of client needs a long-term relationship orientation

personal Relationship manager discretion investment performance.

But while customers call their representatives, they face the followingirritants:

Need to provide their personal information again and Again, the processtakes around 4-5Minutes.

Generally the personal banker does not have all the required informationat his/her disposal.



14/19

Our Solution



15/19

InsuranceEvery consumer pay 1.5-2% extra

Premium on account of Fraud accounting

for more than 8%-KPMG Fraud Survey.

Most of the Fraud Happen on two Counts:Delay in reporting of Policy and

dominance of Usage of Cash

Each Agent to be given Virtual Credit Card with X amount of Limit.During transaction, both agent and Customer to be authenticated using voice print.The Agent Collects the money from Customer and His credit Limit Fluctuates

accordingly.Policy Claims -> Biometric based authentication during underwriting , in case theclaimant is not in a position authorized stand by person needs to speak which is also

recorded during the registration.



16/19

Financial Inclusion

MICE%Tx%

Pla+orm%

Village%4%

Village%3%

Panchayat%

Office%

Village%5%

Village%6%

Village%7%

Village%8%

Village%2%

Village%1%

District%Level%

Office%

State%Level%

Office%

Bank%

L e v e ra g e% B u i l t%infrastructure% to%

reach% out% to% many%

people%

%Implementaon%of%MICE%Pla+orm%%

%Buiild%the%ecosystem%to%enable%field%Operaons%

RVR%%

Bank%

Registers%as%an%BCO%%with%the%Bank%

Opens%a%%Float%&%savings%Account%for%

Agent%with%%balance.%

User%gets%registered%

through%the%

RVR%on%the%

MICE%

pla+orm%

RVR%

Agent%conducts%

transacons%

&%collects%

money%for%

each%tx%based%on%guidelines%

and%kit%

Transacons%get%logged%ON%

pla+orm%

DWH%Server%

Collect%the%data%and%sweep%to%Incights%DWH%

Data%%Analysis%%to%

calculate%incenves%

Agents%commission%is%calculated%&%credited%to%

Agents%A/c,%LOYALTY%

points%are%added%

Bank%Server%

Syncs%the%%pla+orm%

Data%Mining%for%%

%Customer%Profiling%%%Agents%Profiling%%Service%Profiling%%%What%sells,%where%and%why%%

%Data%Mining%%Treasure%Hunt%

Customers: SubK Basix transaction Pvt. Ltd.,Transerv ( Lunching virtual Credit Cards using

VS (Voice Signature)



17/19

Financial Inclusion- Com etitors

Requirements!

Mobile/POS/+/smart/card/! Mobile/phone/+/fingerprint/

reader!

Mobile/POS/with/smart/

card!

Solu


18/19


19/19

Thank You.Looking forward to Your Feedback

incights bro

Documents