My Christmas Wish List: Personal Identity-Persona Service
By identity on Dec 22, 2009
It is almost Christmas Eve. In the midst of an insomnia episode, I conjured up a crazy notion of making a Christmas wish list of things I want from a Personal Identity-Persona Service (PIPS). Your list may be different, but here’s mine.
- Secure Identity Bank Vault for my Identity Profile and Credentials. Of all the potential Identity Providers jostling for prominence in the market, I favor my bank the most. They take pretty good care of my money, enable me to selectively send some of my money to other people, and seem to be sensitive to the issues surrounding security, privacy, liability and potential cyber threats. I think I could trust them to take good care of my online Identity. Think of it as the bank providing a safe deposit box for all the Identity attributes that I want to store and use, and providing the means to selectively take out Identity attributes for presentation to other people. This vault should be located in a secure cloud, so I can get access from any computer or mobile device of my choice. I think this is a concept even my technology-challenged wife, mother and father could readily understand and accept.
- Really Easy to use Identity/Profile/Persona Editor. With my Secure Identity Bank Vault in place, I need a really easy to use way to fill that vault with my Identity information and maintain it over time. This will include the information I would normally include provide to an online merchant or social network, as well as subsets of such information that I can define for the purpose of presenting different personae to facilitate different online experiences.
- Multiple Levels of Identity Assurance or Validation. I want to make sure that other people can’t impersonate me by setting up a fake Identity Bank Vault for Mark Dixon that could be used to conduct illicit transactions. To do that, methods need to be in place to validate the claims I make about my identity, such as birthplace, social security number, credit card numbers, etc. Progressively rigorous checks of my background information will allow me to confidently present Bronze, Silver, Gold or Platinum Identity credentials to enable different levels of online interaction.
- Really Easy to use Persona Selector. I need the ability to easily select from a set of personae I have defined in the Identity Bank Vault. For example, I will most likely have one persona to use for online shopping, one for interaction with state government, and another for using my church website. This selector needs to be immediately accessible, probably in the browser toolbar. For mobile use, the persona selector needs to be easily accessed and presented by any online application that requires me to log in or pay for services.
- Multiple Levels of Secure Authentication. I want to make sure that no one can access and use my Identity Bank Vault or persona and credentials it contains without my explicit permission. In some cases, I may want to simply surf the web and virtually window shop by identifying myself with a user name and password. However, I would like to restrict access to any financial transactions or health care record access by requiring a digital certificate (probably on a USB fob) and perhaps with a fingerprint check (perhaps via that same USB device).
- Option to Use Separate Personae for Login and Payment. In some cases, I may want to use an Internet Persona to poke around the web, do some window shopping and try things out. I may want to log in to Amazon, eBay, Barnes and Noble or other merchants before I decide to buy. None of these merchants needs to know my credit card information before I decide to buy something. Therefore, I need an easy method for first identifying myself and subsequently presenting my payment method.
- Audit Reports. I would like to get an online “Identity bank statement” each month or on demand, detailing the my use of PIPS service. This would allow me to verify that all uses were legitimate and would help me determine if adjustments were needed in my profile or use of the service.
- Fraud Insurance. If a privacy breach or other unauthrorized use of my Identity or credentials occur through no fault of my own, I would like to be insured against possible damages. This would be similar to the fraud protection currently provided by credit card companies.
Of course, in order for a PIPS service to be worth much, social Networks, online merchants, government agencies and other relying parties will need to accept my PIPS profile and credentials. But wouldn’t it be great if I could maintain one set of Identity and Profile information and have that available for consumption by any merchant or social network, according to my wishes? I would be willing to pay a yearly fee for such a service, much like I pay certain bank fees now. Or, perhaps those fees would be waived if I maintained a certain account balance or averaged a certain transaction volume on a credit card issued by the bank.
Will something like this happen? I think so. Probably not in 2010. By 2015? I certainly hope so.