  In this paper, we propose to build an Aadhaar Based Unified Payment Solution.
The key idea is that a virtual wallet will be linked to the Aadhaar card number
of the customer. After that, any identification unique to the person and linked
with the Aadhaar card, be it something the person knows like secret
Internet-banking password, be it something s/he carries like debit card/ credit
card, something s/he owns like fingerprints, voice, email-id or somewhere s/he
is like house or office address, can be used for money transfer from the
sender's Aadhaar card linked virtual wallet to the receiver's Aadhaar card
linked virtual wallet, whose any unique ID is known to the sender. If the
sender knows the receiver's email-id, s/he can transfer money to his/ her
Aadhaar card linked virtual wallet using the email-id. And, if the sender knows
receiver's mobile number but not email-id, s/he can use the mobile number to
transfer the money to his/ her Aadhaar card linked virtual wallet. And so on.
