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Digital Identity Roadmap Guide
Digital Identity Roadmap Guide International Telecommunication Union Place des Nations CH-1211 Geneva 20 Switzerland ISBN: 978-92-61-27821-2 9 7 8 9 2 6 1 2 7 8 2 1 2 Published in Switzerland Geneva, 2018 Digital Identity Roadmap Guide Some Rights Reserved This work is a publication of the International Telecommunication Union (ITU). The findings, interpre- tations and conclusions expressed in this work do not necessarily reflect the views of the International Telecommunication Union or its governing bodies. The International Telecommunication Union does not guarantee the accuracy of the data included in this work. The boundaries, colours, denominations, and other information shown on any map in this work do not imply any judgment on the part of the International Telecommunication Union concerning the legal status of any territory or the endorse- ment or acceptance of such boundaries. Nothing herein shall constitute or be considered to be a limitation upon or waiver of the privileges and immunities of the International Telecommunication Union, all of which are specifically reserved. Rights & Permission This work is available under the Creative Commons Attribution 3.0 IGO license (CC BY 3.0 IGO) http:/ / creativecommons .org/ licenses/by/ 3 .0/ igo. Under the Creative Commons Attribution license, you are free to copy, distribute, transmit, and adapt this work, including for commercial purposes, under the following conditions: Attribution — Please cite the work as follows: International Telecommunication Union, Digital Identity Roadmap Guide. Creative Commons Attribution 3.0 IGO (CC BY 3.0 IGO). Translations — If you create a translation of this work, please add the following disclaimer along with the attribution: This translation was not created by the International Telecommunication Union (ITU) and should not be considered an official translation. -
Digital Identity in Banking What Ceos Need to Know About Best Practices and Future Directions
Digital Identity In Banking What CEOs Need to Know About Best Practices and Future Directions RON SHEVLIN Director of Research Cornerstone Advisors TABLE OF CONTENTS 1 Digital Identity: A Challenge As Old As The Internet 3 Technology Developments In Digital Identity Management 7 Five Forces Shaping Digital Identity Management 15 Best Practices In Digital Identity Management For Today 17 Conclusion 19 About Cornerstone Advisors 19 Avoka (now Temenos) 20 Endnotes © 2018 Cornerstone Advisors. All rights reserved. Reproduction of this report by any means is strictly prohibited without written permission. DIGITAL IDENTITY: A CHALLENGE AS OLD AS THE INTERNET Although the topic of digital identity gets daily attention today in 2018, it’s hardly a new topic. In 1993, The New Yorker published what has become one of the most—if not the most—iconic cartoons about the Internet (Figure 1). In it, one dog says to another, “On the Internet, nobody knows you’re a dog.” Twenty-five years ago, many people saw the ability FIGURE 1: New Yorker Cartoon on Digital Identity to remain anonymous as a feature of the Internet, not a liability. Despite a quarter century of techno- logical advances that include e-commerce, social media, and the smartphone: “There is still no easy way to prove online that you are not a dog, are over 18, live at a certain address, graduated from a certain school, work at a specific company, or own a specific asset. These kinds of assertions about ourselves are difficult to trust because they are nearly impossible to verify.” 1 Source: The New Yorker WHY IS DIGITAL IDENTITY STILL A PROBLEM? If we’ve seen 25 years of technological advances, then why is digital identity still a problem? Three reasons: 1) There are no standardized formats for digital credentials; 2) There are no standardized methods to verify the source and integrity of digital credentials; and 3) The technological advances that have occurred over the past 25 years have exasperated the problem—not alleviated it. -
Digital Identity
Building Trusted & Resilient DIGITAL IDENTITY JULY 2019 Business Roundtable CEO members lead companies with more than 15 million employees and $7.5 trillion in revenues. The combined market capitalization of Business Roundtable member companies is the equivalent of over 27 percent of total U.S. stock market capitalization, and Business Roundtable members invest nearly $147 billion in research and development — equal to over 40 percent of total U.S. private R&D spending. Our companies pay $296 billion in dividends to shareholders and generate $488 billion in revenues for small and medium-sized businesses. Business Roundtable companies also make more than $8 billion in charitable contributions. Learn more at BusinessRoundtable.org. Copyright © 2019 by Business Roundtable Building Trusted & Resilient DIGITAL IDENTITY JULY 2019 CONTENTS Introduction 2 Digital Identity Today: Promise & Challenges 3 A Vision for the Future: Objectives for Improving Digital Identity 6 An Action Plan to Establish Trust & Resiliency in Digital Identity 8 Conclusion 13 Appendix: Primer on Digital Identity 14 Endnotes 18 Building Trusted and Resilient Digital Identity 1 Introduction The ability of individuals to recognize and use creative and sophisticated tools to stay a step ahead. As a result, illegitimate identity may trust each other plays a fundamental role in well be the likeliest path for fraud and other cybersecurity intrusions. economic and social interactions. Yet having a digital identity is more than a data Before the digital age, identification systems protection and security mechanism — it enables relied upon physical documents and face-to-face individual users and institutions to establish an interactions. The internet and the proliferation appropriate level of trust to transact and interact of internet-enabled devices have dramatically in the digital world, including activities ranging changed the interplay between individuals and from banking to health care to social media. -
A Guide to Optimizing Digital Identity Risk and Experience with Adaptive Access
A Guide to Optimizing Digital Identity Risk and Experience with Adaptive Access Phone Numbers Email Addresses The Power of Identity Name Our digital identities are fundamental to how we interact with each other and the online world. [ 1 ] The ability to prove who we are provides us with control and allows access to people, information and economies. Digital trust in those identities is Device Usage power. Geo Data But creating a trusted digital identity can be difficult. It’s a complex network of traditional instruments of ID such as name, address, birthday and social security Search Habits number and data points like email address, username and password, search habits, purchasing behavior and so on. This personally identifiable information (PII) is made up of the unique attributes Biometric Da associated with an individual and is the gateway to every online exchange. These actions rely on context to understand identity. Mouse speed [2] As the exchanges increase, however, so do vulnerabilities. Bad actors are Purchase Behavior constantly finding new ways to exploit PII for identity theft or to hack businesses for valuable data. In 2018, the number of consumer records exposed containing sensitive PII shot up to 126%. [ 3 ] In 2019, the cost of a data breach increased to nearly $4 million.[4] Typing speed Address SSN# Kicking the Can The problem is people don’t exactly understand cybersecurity, [ 5 ] and many KEY POINT organizations are still protecting critical applications through username and password alone when there’s a better way. Multi-factor authentication (MFA) can add another layer of security and makes it much more difficult for unauthorized persons Despite a predicted increase and greater to gain access. -
Digital Identification: a Key Identification: Todigital Inclusive Growth
Digital identification: A key to inclusive growth inclusive Digital to identification: key A Digital identification A key to inclusive growth April 2019 McKinsey Global Institute Since its founding in 1990, the McKinsey Global Institute (MGI) has sought to develop a deeper understanding of the evolving global economy. As the business and economics research arm of McKinsey & Company, MGI aims to provide leaders in the commercial, public, and social sectors with the facts and insights on which to base management and policy decisions. MGI research combines the disciplines of economics and management, employing the analytical tools of economics with the insights of business leaders. Our “micro-to-macro” methodology examines microeconomic industry trends to better understand the broad macroeconomic forces affecting business strategy and public policy. MGI’s in-depth reports have covered more than 20 countries and 30 industries. Current research focuses on six themes: productivity and growth, natural resources, labor markets, the evolution of global financial markets, the economic impact of technology and innovation, and urbanization. Recent reports have assessed the digital economy, the impact of AI and automation on employment, income inequality, the productivity puzzle, the economic benefits of tackling gender inequality, a new era of global competition, Chinese innovation, and digital and financial globalization. MGI is led by three McKinsey & Company senior partners: Jacques Bughin, Jonathan Woetzel, and James Manyika, who also serves as the chairman of MGI. Michael Chui, Susan Lund, Anu Madgavkar, Jan Mischke, Sree Ramaswamy, and Jaana Remes are MGI partners, and Mekala Krishnan and Jeongmin Seong are MGI senior fellows. Project teams are led by the MGI partners and a group of senior fellows and include consultants from McKinsey offices around the world. -
Enabling Digital Identity
Enabling Digital Identity David Recordon Innovator for Advanced Products & Research DC PHP Conference 2006 Overview + Web 2.0 + Identity…so what? + Identity 2.0 + “Competitive” Overview + Digging into OpenID + Example Relying Party What is Web 2.0? Web 2.0 + Users in Control + Data Sharing + Social Networking + Collaboration Tools + Lightweight Business Models + Perpetual Beta + The Long Tail + Application Platform What is Identity? “The collective aspect of the set of characteristics by which a thing is definitively recognizable or known.” -Dictionary.com Offline Identity + David Recordon + 09/04/1986 + Oregon + Black Hair and Brown Eyes + Central Pocket Loop + Size 12 Shoes + Drive a Subaru + Work for VeriSign + Star Alliance Gold + AOW Scuba Diver + CPR / AED / First Aid Trained + etc Online Identity + David Recordon + Daveman692 + recordond + http://daveman692.livejournal.com + [email protected] + [email protected] + [email protected] + [email protected] Identity…why do we need technology? + Accuracy ▪ Biometrics + Convenience ▪ Verification + Security ▪ Authorization + Privacy ▪ Limited Disclosure + Portability ▪ HSPD-12 Identity 1.0 on the Web + Proprietary ▪ AOL ▪ Yahoo! ▪ Microsoft ▪ Google + Segregated + Federation + Little User Choice + Many Usernames + Few Passwords Identity 2.0 + Internet Scale ▪ Decentralized + Privacy Protecting ▪ Disclose only as much as is needed + Easy to Adopt ▪ Add to your application in a weekend + Community Driven ▪ Open Source development and that means… + User Choice ▪ Who hosts -
Global Namespace Discovery Using a XRI Root-Of-Roots Assumed by ITU-T
Geneva, 21 September 2007 Global Namespace Discovery using a XRI root-of-roots assumed by ITU-T Tony Rutkowski Chair, ITU-T IdM FG Requirements WG [email protected] XRI detail slides courtesy of Reed Drummond OASIS Extensible Resource Identifier (XRI) TC International http://xri.net/=drummond.reed Telecommunication Union Identity Discovery Requirements 5.3 Discovery of authoritative Identify Provider resources, services, and federations. A critical IdM challenge in the very dynamic and diverse world of network services and applications is discovering current authoritative sources for the four core IdM categories described above or the federations that are associated with enabling discovery and access of the relevant IdM resources. It is not enough for the IdM capabilities to exist, if a relying party has no means for knowing who and how to reach and interoperate with the authoritative resources for asserted identities treated in the sub-section below. Identity Discovery Provider(s) Query(ies) to discover Identity Resources Response(s) Fig. 9. Identity Management Discovery Services A very significant number of contributions and use-cases during the entire activity period of the Focus Group dealt with Discovery capabilities and associated requirements. Discovery capabilities seem to be widely recognized as one of the most significant needs and gaps – including a consensus that the challenge of providing effective Discovery capabilities are therefore an essential part of trusted Identity Management. Some federations and communities surrounding Open Identity protocols have developed partial solutions to meet discovery needs within the boundaries of their user communities. However, there are no current means for global or inter-federation discovery. -
Securing Digital Identities in the Cloud by Selecting an Apposite Federated Identity Management from SAML, Oauth and Openid Connect
Securing Digital Identities in the Cloud by Selecting an Apposite Federated Identity Management from SAML, OAuth and OpenID Connect Nitin Naik and Paul Jenkins Defence School of Communications and Information Systems Ministry of Defence, United Kingdom Email: [email protected] and [email protected] Abstract—Access to computer systems and the information this sensitive data over insecure channels poses a significant held on them, be it commercially or personally sensitive, is security and privacy risk. This risk can be mitigated by using naturally, strictly controlled by both legal and technical security the Federated Identity Management (FIdM) standard adopted measures. One such method is digital identity, which is used to authenticate and authorize users to provide access to IT in the cloud environment. Federated identity links and employs infrastructure to perform official, financial or sensitive operations users’ digital identities across several identity management within organisations. However, transmitting and sharing this systems [1], [2]. FIdM defines a unified set of policies and sensitive information with other organisations over insecure procedures allowing identity management information to be channels always poses a significant security and privacy risk. An transportable from one security domain to another [3], [4]. example of an effective solution to this problem is the Federated Identity Management (FIdM) standard adopted in the cloud Thus, a user accessing data/resources on one secure system environment. The FIdM standard is used to authenticate and could then access data/resources from another secure system authorize users across multiple organisations to obtain access without both systems needing individual identities for the to their networks and resources without transmitting sensitive single user. -
Privacy by Design: Current Practices in Estonia, India, and Austria
Privacy by Design: Current Practices in Estonia, India, and Austria © 2018 International Bank for Reconstitution and Development/The World Bank 1818 H Street, NW, Washington, D.C., 20433 Telephone: 202-473-1000; Internet: www.worldbank.org Some Rights Reserved This work is a product of the staff of The World Bank with external contributions. The findings, interpretations, and conclusions expressed in this work do not necessarily reflect the views of The World Bank, its Board of Executive Directors, or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. Nothing herein shall constitute or be considered to be a limitation upon or waiver of the privileges and immunities of The World Bank, or of any participating organization to which such privileges and immunities may apply, all of which are specifically reserved. Rights and Permission This work is available under the Creative Commons Attribution 3.0 IGO license (CC BY 3.0 IGO) http:// creativecommons.org/licenses/by/3.0/igo. Under the Creative Commons Attribution license, you are free to copy, distribute, transmit, and adapt this work, including for commercial purposes, under the following conditions: Attribution—Please cite the work as follows: World Bank. 2016. Privacy by Design: Current Practices in Estonia, India, and Austria, Washington, DC: World Bank License: Creative Commons Attribution 3.0 IGO (CC BY 3.0 IGO) Translations—If you create a translation of this work, please add the following disclaimer along with the attribution: This translation was not created by The World Bank and should not be considered an official World Bank translation. -
Secure Access Digital Identity, SADI
Date of Approval: June 10, 2021 PIA ID Number: 6170 SYSTEM DESCRIPTION Enter the full name and acronym for the system, project, application and/or database. Secure Access Digital Identity, SADI Is this a new system? No Is there a PCLIA for this system? Yes What is the full name, acronym and milestone of the most recent PCLIA? Secure Access Digital Identity, SADI Product Planning Phase (PPP) What is the approval date of the most recent PCLIA? 11/20/2020 Changes that occurred to require this update: Addition of Personally Identifiable Information (PII) Were there other system changes not listed above? No What governance board or Executive Steering Committee (ESC) does this system report to? Full name and acronym. e-Authentication, Authorizations & Access (eA3) governance board Current ELC (Enterprise Life Cycle) Milestones: System Development/Milestone 4B Is this a Federal Information Security Management Act (FISMA) reportable system? Yes GENERAL BUSINESS PURPOSE What is the general business purpose of this system? Provide a clear, concise description of the system, application or database, the reason for the system, and the benefits to the IRS to use the information, and how the information will be used. The SADI Platform addresses the IRS's need to conform with National Institute of Standards and Technology (NIST) Special Publication (SP) 800-63-3 Guidelines and consider additional technology, customer experience and security drivers to provide customers with a secure digital experience when interacting with the IRS online. The SADI application will provide a framework for Identity proofing and authentication accepting credentials from the ID.ME CSP (Credential Service Provider). -
National Digital Identity Programmes: What’S Next?
accessnow.org NATIONAL DIGITAL IDENTITY PROGRAMMES: WHAT’S NEXT? Access Now defends and extends the digital rights of users at risk around the world. By combining direct technical support, comprehensive policy engagement, global advocacy, grassroots grantmaking, and convenings such as RightsCon, we fight for human rights in the digital age. National Digital Identity Programmes: What's next? ACCESS NOW POLICY PAPER | MAY 2018 TABLE OF CONTENTS I. EXECUTIVE SUMMARY 2 II. CONCERNS REGARDING THE NATIONAL DIGITAL ID DEBATE 5 Case Studies 7 Estonia 8 Tunisia 10 India 13 III. TERMS FOR THE NATIONAL DIGITAL ID DEBATE: DEFINITIONS 18 IV. POLICY RECOMMENDATIONS 20 Governance 21 Privacy and Data Protection 24 Cybersecurity 27 V. USE OF BIOMETRIC DATA IN ID SYSTEMS: SPECIAL CONSIDERATIONS 31 VI. CONCLUSION 33 I. EXECUTIVE SUMMARY Digital identity is increasingly the focus of policy discussions across several different countries, with a number of governments proposing or implementing national digital identity programmes, and multilateral institutions making investments. Through these government-administered or coordinated programmes, governments aim to provide a single digital identity to residents (or sometimes only citizens) of a particular nation state. Many such programmes entail a push to collect, store, and use the biometrics of individuals as the primary means of establishing and authenticating their identity. Proponents of centralised national ID programmes, particularly programmes promoting biometric linkage, argue that they bring benefits -
Gs Ins 006 V1.1.1 (2011-11)
ETSI GS INS 006 V1.1.1 (2011-11) Group Specification Identity and access management for Networks and Services; Study to Identify the need for a Global, Distributed Discovery Mechanism Disclaimer This document has been produced and approved by the Identity and access management for Networks and Services (INS) ETSI Industry Specification Group (ISG) and represents the views of those members who participated in this ISG. It does not necessarily represent the views of the entire ETSI membership. 2 ETSI GS INS 006 V1.1.1 (2011-11) Reference DGS/INS-006 Keywords access, control, ID, management, network, service ETSI 650 Route des Lucioles F-06921 Sophia Antipolis Cedex - FRANCE Tel.: +33 4 92 94 42 00 Fax: +33 4 93 65 47 16 Siret N° 348 623 562 00017 - NAF 742 C Association à but non lucratif enregistrée à la Sous-Préfecture de Grasse (06) N° 7803/88 Important notice Individual copies of the present document can be downloaded from: http://www.etsi.org The present document may be made available in more than one electronic version or in print. In any case of existing or perceived difference in contents between such versions, the reference version is the Portable Document Format (PDF). In case of dispute, the reference shall be the printing on ETSI printers of the PDF version kept on a specific network drive within ETSI Secretariat. Users of the present document should be aware that the document may be subject to revision or change of status. Information on the current status of this and other ETSI documents is available at http://portal.etsi.org/tb/status/status.asp If you find errors in the present document, please send your comment to one of the following services: http://portal.etsi.org/chaircor/ETSI_support.asp Copyright Notification No part may be reproduced except as authorized by written permission.