Comments on: Banking on online identity verification

By: Rob Monster

Rob Monster — Wed, 18 Feb 2009 20:40:37 +0000

The challenge with most of these solutions for identity verification is that they are easily gamed — run a background check and then take the open-book test.

I recommend checking out Identity.net . The solution developed here addresses a global need for “proving that you are you on the internet”.

PM me if you want more details.

By: Kevin Cox

Kevin Cox — Mon, 28 Jul 2008 16:34:03 +0000

Vikram sorry but just noticed your comment on my comment:)

The person who claims they are the person contacts directly or indirectly each of the other parties to the relationship each time they wish to be identified. The physical biometric of the voice (or fingerprint or photo) is important because of future use. The biometric is no further proof the first time a person uses the system but the second time it is. The biometric is also important to as a protection against stolen identities. It enables a person whose identity was stolen to prove it was not them. It also enables prosecuters to have a stronger case when they catch a person who is suspected of identity fraud.

By: Adam Smith

Adam Smith — Fri, 25 Jul 2008 14:26:09 +0000

It’s good to know that the identity debate is a hot topic across the globe. As providers of electronic ID checks for both anti-money laundering compliance and fraud prevention in the UK, the topic of robustness is one that we often come across.
To ensure robustness when conducting e-ID verification, it is essential that identity is cross-referenced against multiple reliable data sources and, dependant on the particular circumstances, paper documentation and supporting checks conducted.
As with most things, knowledge is power and the more information that is available on which to base our judgement, the sounder our judgement should be.

By: Vikram

Vikram — Tue, 17 Jun 2008 09:49:05 +0000

Thanks Kevin.

Edentiti looks interesting for a number of reasons.

First, the notion that “A person’s identity is formed from their relationships with other people and organisations. A public identity is the sum of those relationships.”

So the focus is not on unique identity but public identity. That seems to be fit-for-purpose for betting but, as a knowledge-based system, is probably not for high risk requirements (such as opening a bank account or applying for a passport).

Secondly, it looks like you’re not differentiating identification from authentication. So, adding voice biometrics can provide higher assurance that it is the same person (i.e. authentication) but not who the person is in the first place (identification).

Overall, I can see the value proposition for both customers and service providers where the identity-related risk is low or, at a maximum, moderate but not for high risk identification requirements.

My 2 cents…

By: Kevin Cox

Kevin Cox — Tue, 17 Jun 2008 05:02:22 +0000

Our company offers a user centric identity verification model for Australian citizens. The first versions are being used with SportingBet and Sportsbet. We would be interested in your thoughts and comments.

The concept is to give users various ways from which they choose to verify themselves. That is, the model is for the user to assert they have an association with other organisations and we give them ways that they can prove the assoication. In our case we are initially using the Electoral Office, the White Pages, the Tax Office the passport office and medicare.

Take a look at http://www.edentiti.com

Take a look at http://www.edentiti.com and