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The Importance of Digital Identity Verification
This is it. You’ve been waiting six months to see this band play and now here you are standing in line about to enter. Read more
Digital Identity Verification
With the birth of Apple Pay, C-Sam and other digital payment processes, it is no surprise that when it comes to identity validation, digital verification will become the norm. re: ID Magazine explains the implementation of this process and how exactly this technology works.
When we think of identity verification, we might think of a bouncer at a nightclub examining a driver’s, license, possibly scanning it, as well as matching it to the person who hands it to them. Digital verification makes this possible in the digital world but with a much higher level of vetting.
When you try and get access to your banking information, you most likely go through a vetting process called “knowledge-based authentication,” also known as “KBA.” KBA consists of a series of security questions that you must answer in order to gain access. After the 2015 hack into IRS records, it became apparent that KBA was not a secure enough way to verify identity. Now companies are relying on a few different measures to carry out this process. Doc Vaidhyanathan, vice president of management for CA Advanced Authentication states in re ID, “Nobody should rely on a system that says ‘if you know these three or four things, then it’s you.’KBA should just be one layer in verifying an identity.”
One company is doing just that. Verify, a British governmental company, allows citizens to create online identities utilizing a KBA test and linking their documents to this test. A person can take a picture of their document as well as a selfie and send it to Verify. Verify will then use facial recognition technology and an ID scanner to validate the document and the person’s identity. One of the companies that is pioneering this process in the U.S. is MorphoTrust. They will be offering Identix, which is a product that can be added to existing applications.
It will be interesting to see what other measures companies and governments take to make the identification process easier and more secure. For more information on ID news and updates click here.
Will Digital Driver’s Licenses Become the New Plastic?
Digital Driver’s Licenses are On the Rise:
In the era of the digital age, driver’s licenses are no exception to the impact technology has on our lives. Rather than toting a plastic card, drivers will be able to pull up their license on their phone. Millions of Americans store credit cards on their phones, so why not their driver’s license?
MorphoTrust, the company spearheading this digitization of licenses is forcing states to re-examine their policies so they can accomodate digital driver’s licenses in the future. According to News 6 in Orlando, in 2014 Florida was required to develop a system for issuing driver’s licenses and for “providing criminal penalties for manufacturing or possessing a false digital proof of driver license.”
The above statement opens up many other questions: how will the licenses be stored, how will they be validated, will all states accept them, will we still have physical driver’s licenses just in case? Not all of these questions can be answered, but that isn’t to say they aren’t be considered. Florida isn’t the only state that is planning to integrate digital licenses and the necessary measures to utilize them safely and effectively.
Jenny Openshaw, the VP of State and Local Sales for MorphoTrust said, drivers will simply download an app which will store their license. She then stated, “You could verify yourself one of several ways either using a pin or possibly using a selfie.” Who knew, selfies were more than just an act of whimsical vanity?
In addition to this there are a plethora of security features which the app will have. One is referred to as the “Harry Potter feature.” Openshaw says, “This shows the picture of the driver’s head rotating back and forth to indicate that their is a live connection and that the license is valid.”
Digital Driver’s License
Next Steps:
Iowa has already started pilot testing and other states are developing laws similar to those Florida is creating. Until this plan is official in all 50 states, I would hold on to your license but be prepared for what is to come sooner rather than later. For more information on digital licenses, click here.
To learn more about ID scanning, please click here.
*Image from DelawareOnline.com
