Latest / Identity at the Center / #266 - Identity Wallets with Nick Mothershaw of The Open Identity Exchange
Transcript
- 0:05This is identity at the center. If it has anything to do with
- 0:10IAM, this is the go to podcast now your hosts Jim McDonald and
- 0:17Jeff Stedman. Welcome to the Identity at the
- 0:23Center podcast. I'm Jeff and that's Jim.
- 0:25Hey, Jim. Hey, Jeff, how are you?
- 0:27Oh, not so bad yourself. Good, good.
- 0:29You know, for today I thought I'd talk about a question that's
- 0:33come to me a couple ways. You know, one of the things that
- 0:36I want to point out first is that there's a lot of ways to
- 0:38get in contact with us, right. We have the voicemail feature on
- 0:41our website idacpodcast.com. We have a listener questions and
- 0:47then of course we're both very reachable on LinkedIn in terms
- 0:51of sending DMS or whatever. But I've been getting the
- 0:55question get this about remember we had Ryan Galuzzo on from NIST
- 1:01a few weeks back and he talked about 800-63 and everything
- 1:05that's going on with that. I had the same question twice,
- 1:08which was, does this only apply to humans or can I also apply
- 1:13800-63 to service accounts? Well, I guess the question
- 1:19whether or not you can, you can do whatever you want to do,
- 1:23right? But I actually forwarded this
- 1:25question on to Ryan because he's the expert and he got back to me
- 1:29saying that 63 does not cover service accounts, it only covers
- 1:35identity and authentication leveraged by human users.
- 1:38Then he goes on to explain that essentially the psychology
- 1:41behind 63 is that they wanted to get away from some of the
- 1:46draconian controls. I'll call them.
- 1:48He didn't call them that. I call them that Because what
- 1:52you're trying to achieve is avoiding the human psychology
- 1:56behavior of, oh, this is hard to do, so I'm going to come up with
- 2:00an easy password. When you're dealing with service
- 2:02accounts, you're not. You're not dealing with that
- 2:05psychology issue. So do without what you want.
- 2:10But 63 was not meant for non human users.
- 2:14OK, well, that's good information.
- 2:15Kind of share it there. I guess people can take that and
- 2:18do whatever they want with it for sure.
- 2:21I guess, you know, a lot of organizations they look at in
- 2:23this guidelines and that's like gospel.
- 2:25It's like the letter of the law. And I think it sounds like
- 2:28they're more moving to theory and intention rather than true.
- 2:33Like, like you said, Draconian, you know, thou shalt must do
- 2:37this, like this. You know, as long as I think
- 2:39you're doing the right thing from a security standpoint and
- 2:41definitely from an identity standpoint, that's probably more
- 2:44important than some arbitrary, you know, if this, than that
- 2:48type of statement. Yeah, I mean, look, having like
- 2:53black and white guidelines sure makes things easier.
- 2:56Unfortunately, in the identity space there's not very many
- 2:59black and white guidelines. Only interesting on absolutes,
- 3:02Jim. Only the Sith deal on absolutes.
- 3:04That's right. And you know, on the ID Pro
- 3:08Slack channel, Ian Glazer put out a question or a topic.
- 3:13He's like, this is going to get things going, and it was about
- 3:16moving from least privilege to 0 standing privilege.
- 3:20And I'd looked at it like I I caught up with the thread a few
- 3:25days after he posted there, already over 60 comments, and it
- 3:29was like it really got people thinking.
- 3:33And again, there's not one right answer.
- 3:37Oh, a shout out to Jim Morton too.
- 3:38We had him on from Britt of way back when and that's I think
- 3:41when I first kind of started to think about the 0 standing
- 3:44privileges as he brought it up. That was like in the hundreds.
- 3:47Fergus says it were like 260. I think this will end up being
- 3:50266. So it's been a while, but I like
- 3:54the idea. I'm I'm still a fan of 0
- 3:56standing privileges. I think it's great.
- 3:57I really kind of classified under some sort of attribute
- 4:00base access control and having a dynamic switch based on whatever
- 4:04attribute says that you need this privilege the 2nd and then
- 4:07removing it when you no longer need that privilege.
- 4:09But I still think it's a very long hard goal to get to for
- 4:13organizations if they don't have technology.
- 4:17Because I think the key part of 0 standing privileges is
- 4:19automation. I think the 0 standing
- 4:21privileges idea makes a ton of sense, but I don't think it
- 4:26means you don't use loose privilege.
- 4:28I don't think they're exclusionary right?
- 4:30The you should have 0 standing privileges and then when you get
- 4:34those privileges just in time that you need them, they should
- 4:37only be the amount that you need to get the job done.
- 4:41And so it's like you need both. And then the other thing is, I
- 4:46don't think 0 standing privileges ever gets you to the
- 4:48point where it's like you know all of your 10,000 accounts or
- 4:52whatever you have. None of them have any privileges
- 4:55on them, right? You need to have some point
- 4:58where it's like, OK, that's just not important enough to use zero
- 5:01sending privileges because there is administrative overhead to
- 5:05it. The good thing about talking
- 5:06about this in a podcast form is that we get to go back and forth
- 5:10and nobody gets to comment in real time and argue with us so.
- 5:16And why welcome it? Argue.
- 5:17Bring it back. Like if there's something we say
- 5:19that's you don't agree with, let us know on LinkedIn.
- 5:21We're happy to have a discussion.
- 5:22I think that's a great thing about opinions is they can
- 5:25change over time, right? It's OK to get smarter.
- 5:27Here's what I think right now. You know, I'm like that that
- 5:30that meme or that, you know, that image.
- 5:32Feel free to, you know, change my mind.
- 5:34Let me know what you think. Yeah, definitely true.
- 5:38So I I really wanted to send this weekend productively.
- 5:41Instead I went down to YouTube rabbit hole on Las Vegas buffets
- 5:46because I was like, OK, I'm going to have a free day there.
- 5:50I want to go to a buffet. Normally I go to the bacchanal,
- 5:54which is at Caesars, right, Just like.
- 5:56But I've been there so many times.
- 5:57I'm like, OK, well, I wouldn't mind reliving that experience,
- 6:01but I wonder what else is out there?
- 6:03What are the insiders really want?
- 6:05And so I just watched a ton of videos and I'm not going to the
- 6:08bacchanal, by the way. I'm going to the Wynn, which is,
- 6:11you know, a lot of people say that's like the number one
- 6:15buffet on the strip. That's way north, too.
- 6:17That's the, I mean, you're going to have to.
- 6:19That's either a long walk or you're going to hop in an Uber
- 6:21or Lyft or something. Yeah, but I also got tickets for
- 6:25the sphere, so the men and the sphere are right next to each
- 6:29other. So it's going to be the sphere
- 6:30experience, which what I didn't realize when I booked it, it's
- 6:33like $80.00 for not that great of seats that off to the end,
- 6:38but it's only a 15 minute show. Oh, that's it.
- 6:44Like the the Postcard from Earth is only a 15 minute show.
- 6:47Again, that was in my my rabbit hole of Vegas.
- 6:50Things to do and buffets etcetera.
- 6:52It was, you know, I watched a few videos of, like, what that
- 6:55experience was like. So you watch videos about food,
- 6:58and then you watch videos about watching other videos in a giant
- 7:00sphere. Yeah, it was an exciting
- 7:03weekend, man. Really exciting weekend.
- 7:05But I am looking forward to Vegas.
- 7:06We are going to Vegas at the end of May.
- 7:09Yeah, we're going to be there for Ideniverse.
- 7:10So looking forward to that. Ideniverse, if you haven't
- 7:13heard, May 28th to the 31st. It's at the Aria Resort and
- 7:17Casino in Las Vegas. We've got a discount code for
- 7:20our listeners and anyone else who wants to use it.
- 7:23That code is IDV 2, four dash, IDAC 25.
- 7:27Don't worry, we'll have a link in our show notes.
- 7:28You can just click on it and it'll give you 25% off of your
- 7:32registration. It does stack with early birds.
- 7:34So I think there's still early bird discounts going on right
- 7:37now. Feel free to use and abuse it.
- 7:39It's a good way to show support for the show.
- 7:41But yeah, looking forward to that Cool thing too is you get
- 7:4420 CPS by showing up, which is awesome.
- 7:47You and I have to worry about CPS for the firm that we work
- 7:49for. So it's always good, right?
- 7:51You get kind of credit for being there, things like that.
- 7:53So if that's interesting to you, definitely check it out.
- 7:57But yeah, Identiverse. And again, we'll have a link in
- 7:58our show notes. And then the other conference
- 8:01that we're going to be at is Identity Week.
- 8:03We'll be at the Identity Week, America.
- 8:05There's also Europe in Amsterdam, which is June 11th to
- 8:08the 12th. The America ones in Washington
- 8:10DC, September 11th and 12th, that's where you and I will be,
- 8:12Jim. And then Asia, Singapore, that's
- 8:15October 22nd, 23rd, yet another discount code.
- 8:18So thanks to the organizers for helping us out with that.
- 8:21That one is easier to remember. IDAC 30, you got 30% off.
- 8:26Again, we'll have a link in our show note for that one as well
- 8:28for people to check out. But looking forward to both
- 8:31those conferences. I know that we're going back and
- 8:33forth with each, trying to figure out, you know, what kind
- 8:36of presence we'll have and where, but we'll be doing our
- 8:38thing regardless. Podcasty things, as I like to
- 8:40say, recording episodes and stuff like that, and looking
- 8:44forward to seeing familiar and new faces who have discovered us
- 8:47within the last year since we've been there.
- 8:49So we'll get forward to that for sure.
- 8:50Anything that I missed there, Jim?
- 8:53No, I think you know the only thing that you mentioned like
- 8:56we're we're still trying to iron out plans, but we'll we'll be
- 8:59there and we'll have opportunities for people to
- 9:02engage and you know view a podcast in in like real life or
- 9:08maybe even much more than that. What's more, what's more than
- 9:11real life? Well, we might be on stage like
- 9:15we were on stage at a few conferences last year, right.
- 9:17So that's the the full on experience.
- 9:22Yeah. And we're talking like, I'm
- 9:23talking like a Las Vegas thing. It's a full on experience.
- 9:27We at the sphere, so we need identity at the center at the
- 9:30sphere, and there you go. I tend to get the sphere, you
- 9:33know, I don't think we get $80.00 for.
- 9:37Yeah, we have to pay people to show up for that one, that's for
- 9:38sure. No, it's exciting.
- 9:40It's it's good times. We'll we'll figure something
- 9:42out. We'll we'll be at those
- 9:43conferences. We'll be at Authenticate later
- 9:45this year as well. So those are things a lot of
- 9:47fun, lot of, a lot of touch points to people and be able to
- 9:50kind of meet and talk and just, you know, hang out and have a
- 9:52good time in a good casual conferency way, that sort of.
- 9:56Thing. No, it's it's my, it's my
- 9:58favorite part of work is like getting out there and going to
- 10:02conferences and and meeting people and socializing and like
- 10:06I said, I've got a a new jacket. I'm going to play it for the
- 10:10first time at a dinner verse. And you know, a lot of times I
- 10:14wear these jackets a few times and I don't have to retire them
- 10:16because I feel like I already did that.
- 10:20Well, I'm looking forward to it. So you're definitely the
- 10:23flashier dresser. I tend to fly a little bit on
- 10:24the radar, look kind of normal in quotation marks.
- 10:27We're going to have a conversation today about
- 10:33wallets. And I was thinking about like
- 10:35what we would call this show. And I was thinking it was like
- 10:37kind of the old riff on, you know, what's in your wallet.
- 10:39But we actually have an episode already called that, like way
- 10:42back in the day, we talked a little bit about that a long
- 10:46time. He think it was like episode two
- 10:48or three or something like that. So we're going to talk about
- 10:51wallets. More of the digital identity
- 10:53wallet type of thing is what I'm thinking.
- 10:54So digital wallets, smart wallets, roaming wallets.
- 10:58Very happy to announce that we have on our show today Nick
- 11:01Mothershaw, He's the chief identity strategist at Open
- 11:04Identity Exchange. Welcome to the show, Nick.
- 11:07Hello. Hi, Jeff.
- 11:08Hi, Jim. Thank you for advising me on
- 11:10today. Pleased to be here.
- 11:11Yeah. Thanks so much for joining us.
- 11:13And you're joining us from, I'm imagining the UK it sounds like
- 11:16from from that accent and from the time zones that we're
- 11:18dealing with. Where in the UK are you and am
- 11:20I? Am I correct or are you
- 11:21traveling at the moment? You are correct.
- 11:23So I'm in the Uki live in the UK.
- 11:25I'm in a place called Derbyshire, which is in the
- 11:27middle of the UK. It's mostly a National Park.
- 11:29It's a beautiful place to live. That sounds awesome.
- 11:31I was there last year. We watched the Chicago Cubs play
- 11:34the Saint Louis Cardinals at London Stadium, got to partake
- 11:37in the city first time. I've actually been in London and
- 11:40it was awesome. I loved it.
- 11:41I will go back in a second. But we're not here to talk about
- 11:44London and UK. We're here to talk about
- 11:46identity and one of the things that we like to do is when we
- 11:48have someone on the show for the first time is to really kind of
- 11:51understand what their identity origin story is.
- 11:54So I'll ask you this, Nick, how did you get into the world of
- 11:57identity? Is it something that you chose
- 11:59or did it choose you? I guess it chose me in the late
- 12:0390s. I find my myself working with
- 12:05law enforcement and what I was doing was what we'd now call
- 12:10identity resolution and identity graphs.
- 12:13So we were looking across intelligence reports, crime
- 12:16reports, trying to make links just around the ID element, but
- 12:20around location. So we were doing a lot of smart
- 12:23routines to try and, you know, make connections for the police
- 12:27to help them solve crime. So that's where I started and
- 12:30there's part of that journey as well.
- 12:31I came across biometrics, so we were using biometrics way back
- 12:35in 2000. We were using them to monitor
- 12:37football crowds, to look for hooligans in the Netherlands
- 12:41when during EUR 2000. So that was always law
- 12:45enforcement. I I moved from there to look
- 12:48more, narrowed my focus to look at fraud.
- 12:51And so I did a lot of work on fraud detection, fraud
- 12:54prevention. So they did the Hunter 2 system
- 12:59from Experian that she was all around the globe to detect
- 13:01fraud. That was one of my creations.
- 13:04Apologize to anyone who's still using.
- 13:06It's up to nearly 20 years ago now but it's still out there and
- 13:11from there moved into identity. So you know fraud and identity,
- 13:14two sides of the same coin really.
- 13:16So you know with to mitigate fraud, we started looking at
- 13:20positively identifying the individual rather than looking
- 13:23for the anomalies that indicated fraud.
- 13:24And then you put the two things together, you've got a much more
- 13:27robust set of fraud control. So that's how I ended up in
- 13:29identity and by the kind of late 20 tens, 2015, sixteen, I
- 13:35started to get involved with the open identity exchange.
- 13:37I was running and operating EU KS only interoperable digital
- 13:42identity ecosystem where you could use the ID to run log into
- 13:46government and to private sector as well.
- 13:48And around 2020 kind of left my corporate existence and moved
- 13:54into work with the open identity exchange.
- 13:56But for most of my time to help, you know, drive the forward,
- 13:59this this cause of digital identity.
- 14:02I guess, hey, that's a great back story.
- 14:05I I guess I'm not for for people who aren't as familiar with open
- 14:08identity exchange and we might refer to it as OIX.
- 14:11You know, throughout the show here you kind of talked about
- 14:14the interoperability, but can you just tell us a little bit
- 14:16more about what the open identity exchange is, you know,
- 14:18what's the purpose? Yeah.
- 14:20Who are members? Is it, is it firms, is it
- 14:23technology kind of side of things?
- 14:25Is it normal people in quotation marks?
- 14:28Tell me a bit about the organization.
- 14:30Yeah, we're a members organization.
- 14:32We're not-for-profit. Our vision is that we can all
- 14:35have a an identity, importantly A reusable identity, reusable
- 14:39digital ID is what we focus on and then we can use that
- 14:42anywhere around the globe so that I can have an identity as I
- 14:46travel around that is trusted, which is interoperable all over
- 14:50the world. And that's our, that's our lofty
- 14:52vision. That's a vision we set out
- 14:53around five years ago and you know we're making good progress
- 14:56towards achieving that. It's a bit like when Microsoft
- 14:59said a computer in every home was their vision.
- 15:01There was no, no, you're never, you're never going to achieve
- 15:03that. We know we're going to achieve
- 15:06ours, but it's going to take a little time.
- 15:08But we're we're making good progress on that.
- 15:10So who are the members? And so we have Microsoft, we're
- 15:14a big member, Visa, MasterCard, people like Lexus, Nexus,
- 15:19Barclays Bank. So they are the corporations who
- 15:26are have a stakeholding in the evolution of identity.
- 15:29We have a lot of identity component suppliers who are
- 15:32supplying authentication services or proofing services,
- 15:36digital identity providers who are now starting to emerge in
- 15:39the market. So we've got around 70 members,
- 15:42all of whom are subscribing to that vision of creating reusable
- 15:46digital identities and ultimately that can be used all
- 15:49around the globe. Nick, I think one of the the
- 15:52biggest challenges that we face as technologists is explaining
- 15:55to non technology people like our parents or other folks who
- 16:00are not in the industry what we do, right.
- 16:02And I think the idea of digital wallets or wallets, you got kind
- 16:08of everybody knows what a wallet is in, in the traditional world.
- 16:11So do you ever wind up comparing and contrasting the two of
- 16:16those? Oh yeah, yeah.
- 16:17It's very difficult to explain here what's the concept of a
- 16:20digital identity. And it's hardly the most
- 16:23scintillating subject for for most people.
- 16:25I mean, no, nobody, nobody woke up this morning anywhere in the
- 16:28world and thought, hey, I'm going to go get me additional
- 16:30identity today. That's not what people do.
- 16:33Using the Wallace analogy helps explain what we're trying to
- 16:36achieve to not just to end users but also to corporations as
- 16:42well. So what we're trying to do is
- 16:43enable people to digitally prove who they are and what they're
- 16:47eligible to do. So it's not just about the
- 16:49identity proofs, but it's about, you know, can can they be
- 16:52employed, can they get on this plane.
- 16:54So the the wallet analogy is, is a good way for people to
- 16:56understand that. It might just be an analogy as
- 17:00we move, as we move forward. We're using the word wallet
- 17:02today. It works well.
- 17:05The end users can get their head around that.
- 17:08It's it's got a good analogy to what they're doing in the real
- 17:11world. So for now it's it's a great way
- 17:14to explain what we're doing. Yeah, I kind of think it's funny
- 17:17like you still see the image of a floppy disk.
- 17:21That means you want to save a document.
- 17:23But a lot of people have grown up in a world where they never
- 17:27use sloppy disks. So the idea of like the term
- 17:30wallet, at some point maybe some folks will never have had a
- 17:35wallet. Very possible, because I think
- 17:38most people, if you interview them, would you rather go, would
- 17:41you rather leave the house without your wallet or without
- 17:44your phone? They probably would choose the
- 17:47wallet. They'd probably rather have the
- 17:48phone. Most, most young people don't
- 17:50don't have a wallet, you know, So my kid, I've got three kids
- 17:53in their 20s. None of them would leave home
- 17:55with a wallet. They have their phone and on
- 17:57their phone they've got their payment device and as long as
- 18:01they've got that, they're fine. They don't carry anything else.
- 18:03They don't think they need feel, they need to carry anything
- 18:05else. So, So I think you're right.
- 18:09In 20 years time we'll have a whole generation of people who
- 18:13are, who are my age, who have never actually carried a wallet.
- 18:16Yeah. And the whole idea around
- 18:20credentials and the wallet, I mean, those are two different
- 18:24concepts as well. Can you kind of explain the
- 18:26difference between those two? Yeah, sure.
- 18:29And let's use the real world example of the wallet that's
- 18:33that's in our pockets or purses. So inside there we have payment
- 18:37cards, we have driving licenses, we have loyalty cards, tickets,
- 18:43those are the credentials and they sit inside the wallet.
- 18:46The credential proves something about me with a payment
- 18:50credential, it proves I I hold this account and I have the
- 18:54ability to initiate a payment from it with a driving license.
- 18:57It's really there to prove that I am able to drive and these are
- 19:00my driving capabilities. The passport it's, you know I
- 19:04have the capability to travel that my government has, has
- 19:06granted me through issuing me that passport.
- 19:09And so if we think about the credentials that you know, I
- 19:13wanted usually that our physical wallets today but are somewhere
- 19:17in our homes. We've got education
- 19:19certificates, we've got records of employment.
- 19:22All of these can be digital credentials as well.
- 19:24So it's not just constrained to watch in our the wallets we
- 19:27carry around. It's the credentials that
- 19:29explain who we are and what we can do.
- 19:33Yes. So kind of in this traditional
- 19:34world, we have these wallets that by themselves don't have
- 19:38any functionality, they don't have any features, right.
- 19:41They just hold the credentials. And I think we're going to talk
- 19:44about that upcoming. But I think one of the things
- 19:48when you talk about, well, maybe we just hit on that point, so
- 19:52the wallets in the real world don't have any features or
- 19:55functionality, right? They just are used to hold the
- 19:58credentials. Does that analogy carry over?
- 20:02Is is the digital wallet essentially the same kind of
- 20:05thing, just holding your credentials?
- 20:08I think right now it is. So if you think of the the Apple
- 20:12Wallet on my phone, other wallets are available that you
- 20:17know where I put credentials in there.
- 20:19It's it's very analogous to the real world, putting a credential
- 20:24in my wallet and lets me store it.
- 20:27So I can put it in the wallet and it lets me present it.
- 20:29I can take it out of the wallet and show it to someone.
- 20:31So it's just it's a storage device that enables me to
- 20:34present. It's not actually great at
- 20:36presenting things. If you've ever tried to do it,
- 20:38it's, you know, you I'd like to generate AQR code or you're
- 20:43going to do it through NFC. So the presentation needs a
- 20:46little work, but yes, essentially a way to store the
- 20:49credentials as we do today. We think that that basic wallet
- 20:56model definitely needs to evolve if these things are going to be
- 20:59useful to to end users going forward.
- 21:02Yeah, and you guys wrote a a paper recently and we'll put a
- 21:04link to it in the show notes talking about wallets and
- 21:09whether or not governments should be the responsible for
- 21:13issuing wallets. I mean, like today your phone
- 21:16has a wallet built in. I mean, I have a a wallet on my
- 21:20Apple iPhone and it's mostly holding things like my Panera
- 21:26customer loyalty number, like 100 ticket stubs from, you know,
- 21:32Delta flights and things like that.
- 21:34So I don't care who issues the wallet.
- 21:36I pretty much just think of it as a feature of my phone.
- 21:39But you guys wrote a paper about this, right?
- 21:41Should governments issue wallets?
- 21:43And what was the conclusion you drew?
- 21:46Yeah, we did. And yeah, my, my Apple Wallet is
- 21:49very much the same as yours. It's got my, it's got a payment
- 21:52card in it, couple of payment cards.
- 21:54It's for the rail tickets for me because I travel on the train a
- 21:56lot here in the UK. It's got a few flight boarding
- 21:59cards, so you know, I'm using them today to collect this, this
- 22:02information. And that wallet is coming from
- 22:05Apple. The wallet in my pocket today
- 22:09comes from a craft shop, you know, here in the Pete district
- 22:12where I live in Derbyshire. And I use that to store my my
- 22:17wallet. It's interesting, it has, it has
- 22:19some security features. So it, you know, it says you're
- 22:22not supposed to be able to read my NFC chips through the the
- 22:24side of the wallet. So even our physical wallets
- 22:27have started to get digital security features built into
- 22:30them. Today we were looking at who's
- 22:34going to deliver wallets and one of the things we'll come on to
- 22:38talk about is we also talk about small wallets.
- 22:42So the wallet, this basic wallet we we see today needs to evolve.
- 22:46We see governments like the EU embarking on the UD Wallet
- 22:50programme. That's a hugely ambitious
- 22:52programme which demands each member state deliver to its
- 22:56citizens either directly or through private sector partners.
- 23:01AUD wallet that can be used to present the cord identity
- 23:06information that they're calling the PID and the heart of that,
- 23:09and then other information to open bank accounts, to access
- 23:14health care services, to access government services all across
- 23:17Europe. So it's a brilliantly ambitious
- 23:20programme, but it involves the government's delivering wallets
- 23:24and it involves the EU specifying heavily what those
- 23:27wallets should look like. So we started to explore this
- 23:30and contrasting that to the real world analogy today and that the
- 23:35government doesn't deliver the wallet that's in my pocket
- 23:37today. It's something that I personally
- 23:39go out and sort. There are lots of different
- 23:41designs, lots of different features and you know, that
- 23:45enables users to have choice. And it's independent from the
- 23:49government. And what our paper explored was
- 23:53the pros and cons of government issuing wallets themselves.
- 23:57Wallets are pieces of technology and as they can become smart,
- 24:01they're going to become more and more complicated.
- 24:03Governments are not great deliveries of technology.
- 24:07Yeah, they don't have a great history in terms of delivering
- 24:10IT projects, you know, internally, let alone directly
- 24:13to their citizens for something as critical as a wallet.
- 24:19So it's not in their core competence to do it.
- 24:21They won't evolve. So if they say you're right, you
- 24:24know, what we fear with the EU is they've set out a kind of
- 24:26minimum set of requirements and that's all that will be
- 24:28delivered. And then it'll be a fairly great
- 24:30wallet. It won't evolve, It won't be.
- 24:32Innovative private sector is a much better place to deliver the
- 24:36wallets and also private sector then provides a level of
- 24:39independence from the government in terms of me having choice of
- 24:43where I store my credentials and also some confidence that the
- 24:48government isn't watching what I'm doing.
- 24:50So if you imagine if you know the US federal government issued
- 24:54me a wallet and it sits on my phone and all my credentials are
- 24:59in it and every time I prove who who I am, how old I am, share
- 25:05any credential that's done from my government wallet.
- 25:10People are going to think the government's monitoring
- 25:11everything they're doing as much as government will say no, no no
- 25:15we're not we're not doing that no, no.
- 25:17People will have that privacy fear as well.
- 25:19So that was that was another reason that we concluded that
- 25:22that governments are not blessed placed to deliver wallets
- 25:25themselves. So it's it's it's not about,
- 25:27it's not a really long paper. I think you'll provide a link to
- 25:30it, you know, in the associated information with this podcast.
- 25:34But my conclusion was that you know governments, but they can
- 25:38issue wallets. Many of them will issue wallets,
- 25:40but they're not best placed to do so.
- 25:43Private sector will be more renovative, It will provide
- 25:46better privacy concepts to the end user and will be more
- 25:51innovative in the long term. Yeah.
- 25:54I think the first part of your argument was about the ability
- 25:58to deliver, which I can. I can see that point for sure.
- 26:03My concern is that I think that the privacy concerns could
- 26:08exist, whether it's government or private organization doing it
- 26:13on behalf of the government, especially if there's not a
- 26:17competitive landscape where, you know, essentially the government
- 26:20could just force the private companies to turn over its
- 26:23records. Yes, and this is where trust
- 26:26frameworks come in. So a lot of the work we do at OX
- 26:29is around the trust framework that makes identity be able to
- 26:34be trusted by relying parties and by users.
- 26:38So part of that framework is the privacy rules that sit around
- 26:42it. And we, you know, if we look to
- 26:44the framework we publish on our our website and guide to
- 26:47frameworks, we look, we've been doing an analysis of frameworks
- 26:50all over the globe. And you know, we what we want to
- 26:52see in frameworks from a privacy perspective is that the user is
- 26:57in control. Yeah, we've heard a lot about
- 27:00self sovereign IDs which you know where the user is in
- 27:02control. That term self sovereign is not
- 27:04very popular in most of the world.
- 27:06It implies too much user control.
- 27:09You know, we are sovereign citizens of nations and you know
- 27:14are afforded a lot of rights and benefits as a result.
- 27:17But what the government should be doing is giving users control
- 27:20of their data. You know GDPR in Europe supports
- 27:24this. The frameworks that have been
- 27:26written around the globe, the one in the UK in particular, is
- 27:30putting in place user control and user agreement and user
- 27:33tracing of everything that happens.
- 27:35So the user can clearly see what data they have, where it's gone
- 27:40and they can choose to change provider if they wish.
- 27:41Portability is a key element to this.
- 27:44Now your point though, you know, can the government enact other
- 27:47laws to go and pull the data from corporations in many parts
- 27:51of the world? Yes, they can.
- 27:53That's a separate layer really that sits above what we're doing
- 27:55in identity. It's a law enforcement feature
- 27:58that countries have put in place to to protect themselves and
- 28:01their citizens. Yeah, it's a very complex issue,
- 28:04right. So, Nick, you previously talked
- 28:06about smart wallets and so smart wallet contracts itself.
- 28:12Obviously there there would be a wide difference between a smart
- 28:16wallet and a leather wallet, which you and I have in our
- 28:20pockets. But in terms of digital wallets
- 28:24and smart wallets, what's the differentiation factor?
- 28:27Yeah, so the wallets we're seeing today are not smart.
- 28:31So the one I find in my phone let's me store credentials and
- 28:34let's me present credentials, and usually in a fairly clumsy
- 28:36way. If we consider some simple what
- 28:42sound like simple use cases, we can expound the need for a smart
- 28:47wallet. So MDL was starting to appear in
- 28:52wallets around the US mobile driving licenses.
- 28:57Two major use cases for that I guess.
- 28:59One is you know it's a mobile version of your wallet for law
- 29:02enforcement to read. The other one is, can I prove
- 29:07I'm over 21 to to buy liquor? That question of over 21 in the
- 29:14current mobile driving license implementation uses a data
- 29:19minimization principle so that it will only present the fact
- 29:22that you're over 21 doesn't present any other information
- 29:25about your or at least no more than is needed for that
- 29:27particular transaction. So we can go from a credential
- 29:31and minimize some of the information from it.
- 29:34But if we consider these rules again to get somewhat more
- 29:36complicated, let's say I have not just MDL was in circulation,
- 29:40but I have digital travel credential passports, I have
- 29:43other identity forms of identity, I have bank current
- 29:47identity credentials that have come out of my bank associated
- 29:50with my bank account. So all of those things could be
- 29:53used to prove that I'm over 21 because all of those things, all
- 29:57of those providers know I'm over 21 and have checked I'm over 21.
- 30:00So the rules for the requests and the wallet start to become
- 30:04not I want a driving license and it starts to become, I want to
- 30:08know you're over 21. The wallet then needs to know
- 30:11how to interpret those rules and know that, well, actually that
- 30:14could come from any of these four credentials, but they have
- 30:18to have been issued within, say, in the last three months.
- 30:20They have to be bound to the user with the right kind of
- 30:23authenticators. So you know for face to face
- 30:26liquor sales in order to stop me giving my device to someone else
- 30:30with my MDL on it, I yeah. One of the rules, and this is
- 30:34the rule that's been put in place in the UK, is that you
- 30:36must use a biometric authenticator there.
- 30:38And then part of the theatre of the presentation is looking at
- 30:41the phone, generating the the proof and then showing that to
- 30:45the the person who's reading it. And that only lasts for seconds.
- 30:49So you can't pass your phone from one person to another.
- 30:52So all of these rules then are something that sounds like a
- 30:56very simple question. Are you over 21 starts to become
- 30:59complicated? If you consider the rules, then
- 31:02for for travel the other rules, but we used to use COVID quite a
- 31:06bit. How do you prove your COVID safe
- 31:08as opposed to you have a vaccine or you have a certificate.
- 31:12So the need for a wallet to be able to take these rules,
- 31:15interpret them on behalf of the user and then return what is
- 31:18being asked by the relying party is critical and that's why and
- 31:23where they need to become smart. So it seems like the credentials
- 31:28could have dozens, maybe more attributes about you.
- 31:34It's the wallet, then, that would have the responsibility
- 31:38for which of those attributes to make available and which ones to
- 31:42keep private. Those the rules and so this is
- 31:47the wrapped around the wallet. There needs to be a rule
- 31:50ecosystem. Again, this is where the trust
- 31:52framework comes in. So the rules for asking for over
- 31:5621 and stating that when you ask for over 21, all you get back is
- 32:00an over 21 statement, but it's backed up by biometric
- 32:03authenticator need to be defined and then the wallet needs to
- 32:06behave in accordance with those rules.
- 32:10But we can't allow your wallet providers to define those rules.
- 32:14For a start, if there's multiple providers in the ecosystem, it
- 32:16will be inconsistent. So a lot of what we do is
- 32:18looking at standardization of these approaches for
- 32:21interoperability, but also it's setting the rules for good
- 32:24practice. I'm glad you mentioned the word
- 32:27standardization because I could see us going down this rabbit
- 32:30hole again of, you know, blue text versus green text, Android
- 32:34versus iPhone and this whole ecosystem play where right now
- 32:38people may be stuck in one ecosystem or another and there
- 32:41isn't a lot of transportability for some of these things.
- 32:44I have Apple Wallet, right, has my, you know, boarding passes
- 32:48and credit cards and things like that.
- 32:50But if I want to move things to a different wallet, I have to
- 32:52set it all up again and things don't talk to each other.
- 32:56I think that's to me one of the most critical things to solve
- 32:59for is that interoperability, which is why I'm glad things
- 33:03like standards are being developed around that to try and
- 33:06solve for that. Because what I could quickly see
- 33:08is, well, who has the best rule set around their wallet?
- 33:12Do the rules themselves need to be abstracted away from the
- 33:15actual wallet container that these things might exist?
- 33:20Otherwise you end up in the scenarios over here.
- 33:21Well, here's the best wallet because it has the rules that I
- 33:24like. Well, how is that wallet going
- 33:26to talk to another wallet or maybe even another reader or
- 33:28things like that? So I'm I'm concerned, but I'm
- 33:32happy to hear that it's at least being considered how this is
- 33:34going to work together. And what you just on there,
- 33:37Jeff, is precisely what we're looking at in one of our working
- 33:40groups at the moment. So we were starting to explore
- 33:43whether there's actually 2 layers here, whether there is
- 33:46the the more storage wallet element, which could be my Apple
- 33:50or Google Wallet. And this is where I keep my
- 33:52credentials. And you're right, credential
- 33:54portability is then really important.
- 33:55I can easily move them from one wallet, storage, wallet to
- 33:58another. And then we're starting to
- 34:00separate out this. That is the smart element of
- 34:02this, actually done by some kind of agent, because these rules
- 34:06are going to be very complicated.
- 34:08They're going to vary by country, They're going to vary
- 34:10by sector by country. So it's actually this, this age,
- 34:14the specialist agent role in terms of interpreting the rules,
- 34:18working out what the user has in their wallet, working out what's
- 34:21missing, helping the user get that and helping them to bring
- 34:23all that information together to satisfy the requirements for a
- 34:26particular transaction. We're starting to think of it,
- 34:29you know is that actually such a smart agents alongside the
- 34:32wallet and the two things could come together into a smart
- 34:35wallet. But that's precisely the kind of
- 34:37work OX does and is doing that's we'll be publishing on that in
- 34:41May in time for some of the conferences she talked about
- 34:44earlier in the in the program. Yeah, one of the things that
- 34:48comes to my mind is there's certainly that that use case
- 34:52like kind of the simple common use case of RE21.
- 34:57Then there seems to be all these different use cases where you
- 35:00have to present a credential like your driver's license.
- 35:04So a scenario might be I want to go buy a car and I do that once
- 35:08in a blue moon, but I have to present my driver's license and
- 35:13they pull certain information off of it.
- 35:15So are the is there just that blanket scenario where
- 35:20everything becomes available or so Is is the rule set by the use
- 35:24case? I'm trying to understand the
- 35:26rule set and how it applies and how we would deal with these
- 35:31infrequent use cases that probably not everything is
- 35:34designed around. Yes, the rule.
- 35:39The rules are set per use case. So you know, to buy a car, I
- 35:43need to prove you know things about who I am, my ability to
- 35:48drive that kind of car for instance.
- 35:49Then that's the only information that's needed.
- 35:52If any convictions or endorsements I've got, they're
- 35:55probably irrelevant when I buy a car about my ability to drive.
- 35:59So each use case needs to be able to have a set of rules
- 36:05written and the wallet needs to be able to interpret those
- 36:07rules. So one of the things we've been
- 36:09doing is we've analyzed a trust frameworks around the globe.
- 36:15We've found that they have a common DNA and we call this the
- 36:18DNA of digital identity. They all do things in the same
- 36:21way but with different values because frankly countries right
- 36:26frameworks have different values that have different views on
- 36:28privacy, different views on technology.
- 36:31But we found they all do it in the same way.
- 36:32And we're now working on something called the Open
- 36:34Criteria Exchange tool that would enable a set of rules,
- 36:39policy rules and technical rules to be expressed by a reliant
- 36:43party to a wallet for the wallet to then interpret.
- 36:46So we think this can all be a machine readable format that in
- 36:51future the wallet will be able to interpret as it goes from
- 36:56place to place. So in addition to smart wallets,
- 36:59you also talk about a concept of roaming wallets.
- 37:05What are what's the difference now we go from regular digital
- 37:08wallets to smart wallets to roaming wallets?
- 37:11What's the? What's the difference there?
- 37:16And and they're building on on each other.
- 37:18So a wallet, a smart wallet that we just talked about is able to
- 37:21to read and interpret a set of rules with roaming wallets,
- 37:24we're talking about wallets that go from framework to framework,
- 37:28essentially country to country. So I could have a a wallet that
- 37:33is issued to me here in the UK under UK rules.
- 37:37It contains credentials that are to international standards, So
- 37:40my passport and my driving license.
- 37:42And there's already international standards there
- 37:45For MDLS and digital travel credentials emerging, I would
- 37:48say they're complete. They're emerging.
- 37:51So if I come over to the US, what I would want is that my
- 37:55wallet will roam in the same way as my phone roams today and the
- 37:58same way as my payments instruments work today.
- 38:02And my additional identity should be no different.
- 38:03I don't expect to have to get another wallet because I'm in
- 38:07the USI expect the wallet I've already got to roam and to adapt
- 38:11to the US rules. So we've been doing a lot of
- 38:13work around with some core credentials.
- 38:18We call them golden credentials of passport, driving license,
- 38:22bank account, information about my telco account is quite often
- 38:25used and national ID cards where they exist.
- 38:28Now they don't exist in the US or UK for US, but in most places
- 38:31around the world they do exist. Those are the five golden
- 38:34credentials. If I've got those in my wallet
- 38:37and they are to international standards, when I move from
- 38:41place to place they should still be recognized.
- 38:43So if in the USI want to now formulate a NIST IAL two and you
- 38:49know 863, if I've got a driving license and a bank account in my
- 38:55wallets that are to recognize international standards, that
- 38:59should be able to be done instantly.
- 39:00As you know, as I open my wallet in the in the US, it can be for
- 39:03me like oh, you've managed to get to an IAL two.
- 39:06If you want to get to an IAL Three, you're going to have to
- 39:07do this. So that's what we mean by
- 39:10roaming wallet. So the same rule description
- 39:15language, if then used on an international basis, will enable
- 39:18wallets, will enable wallets to roam from place to place.
- 39:21Yeah, I mean this, this is the really interesting part to me.
- 39:25So now we're starting to get into, you know, the real world.
- 39:28You're carrying these credentials and it brings up two
- 39:32things in mind. So let me go to the first one
- 39:35first, which is around like readers.
- 39:39That's what I'll the way I'll put it, because let's just say
- 39:43we're talking about a driver's license issued by my state and
- 39:47say they did that next year. Now, if I wanted to use my
- 39:51driver's license at a store to buy alcohol, they need to be 21.
- 39:58They it seems to me that I can't just show them like, hey, look,
- 40:01I've got this, I've got my driver's license on my phone,
- 40:05you see, and I could potentially just screenshot it and.
- 40:09Change the date on it or something like that.
- 40:12It seems to me that they'd have to have some kind of reader that
- 40:15maybe did near field communication.
- 40:17The other scenario is I get pulled over by a police officer
- 40:23and I want to like unlock my phone and hand my unlock phone
- 40:27to a police officer. Now, he could go searching
- 40:29through and figure out whether or not he wants to arrest me
- 40:32based on things he finds in my phone.
- 40:35He just like what I do. He doesn't like that I like the
- 40:38New York Yankees when he's a Boston Red Sox fan or something
- 40:41like that. So to me it seems like there
- 40:43have to be some kind of electronic exchange of
- 40:47communication. That would be like a reader type
- 40:51thing. Yeah, absolutely.
- 40:52In face to face environments, we're going to need readers.
- 40:55So a lot of what we're doing with wallets will enable the
- 41:00wallet to be used online as well.
- 41:01So that all And so they're all that's fine.
- 41:03And the the the relying party and as we call it, there is an
- 41:07electronic read of the wallet and all of that is done.
- 41:11Yeah, over the web and done securely in face to face
- 41:15situations as you've described, yeah, we're going to need
- 41:18readers for two reasons. Both parties need to know that
- 41:23they can trust each other and that the information they're
- 41:25presenting is genuine. So if we consider the example
- 41:29that you know the law enforcement officer wanting to
- 41:31see your driving license, the MDL standard is is designed to
- 41:35be able to do that without winding your window down.
- 41:39So you know the officer should be able to actually I I want to
- 41:42read your driving license and put their reader to the window.
- 41:45You should be able to touch that reader on your side and what it
- 41:49should say to you is yet this your your device should say yes
- 41:53this is a genuine law enforcement officer and I know
- 41:56that because the signature in there did their reader.
- 41:59I've checked back to a trust server somewhere and it and it
- 42:02and it's you know on the list. So this this is a genuine
- 42:05officer and what they're asking for now is this information from
- 42:10your driving license do you consent to share it?
- 42:12Yes I do. And then that information goes
- 42:14back to the the officer. Part of that though is the other
- 42:19way around to consider the officer, how does he know that's
- 42:23the person. So you know that's done today
- 42:25with the photograph that is on the device.
- 42:29What we're moving to in those kind of presentation is it is a
- 42:32photograph, but the device is doing the the face of the person
- 42:36that is presenting it back to the stored photograph from the
- 42:40driving license hermetic issue. So we'll only present the
- 42:44information if those two things have been done.
- 42:46So the officer really doesn't have to do the face match, The
- 42:52presenting users device is doing that for them as part of the
- 42:55ecosystem. And in the UK we're working on a
- 42:58you know alcohol based change to the law at the moment it's a
- 43:02consultation out and that will involve readers and you know the
- 43:06readers will simply get back a statement of over 18.
- 43:09In our case they don't get the picture back.
- 43:13That will all be done on the on the presenters phone.
- 43:16Yeah, I think that that whole scenario is very interesting
- 43:20because I brought up like those edge use cases earlier, which
- 43:24you can't even come up with a whole list of edge use cases.
- 43:28But if you had a reader that you said, OK, I'm going to transmit
- 43:31some info and he came back and said, do you want to share this
- 43:34information? You could accept or decline or
- 43:38maybe uncheck certain things, things like that because, you
- 43:41know, buying a card, maybe they want your, your address, I don't
- 43:46know, maybe they're doing a $50 off discount for blood for organ
- 43:50donors because you know, the the owner of that dealership really
- 43:53believes in that. But you don't have to show that
- 43:56information or maybe you do want to, I don't know.
- 43:59I'm getting off topic a little bit there.
- 44:03The other thing that that came to mind though in this whole
- 44:05area was that, you know, you talked about all these different
- 44:09countries and that there's national IDs and then in the
- 44:12United States, we've got 50 states that issue credentials.
- 44:16The other thing is I could see credentials being like
- 44:18universities issuing credentials like you know, that that way.
- 44:22It's like you want to know that I I have a degree from that
- 44:25university, I can transmit that or that's in my wallet.
- 44:28There's so many different scenarios.
- 44:30So it seems to me that there's this transition period that
- 44:34needs to take place where you need some time where you know
- 44:38you're going to need the physical in hand credential like
- 44:42a driver's license or a passport.
- 44:44While not only governments and organizations transition, the
- 44:53timeline that they transition, but also people, not everybody
- 44:57in the world has a smartphone, right.
- 44:59So you know if it's kind of relies on smartphone, there's
- 45:02going to have to be some transition period as well.
- 45:04Your thoughts on that? Yeah, I think, well the first
- 45:08let's talk about the phone to start with.
- 45:09So for several years now we've been talking about wallets being
- 45:16more of a virtual concept than a a device based physical wallet.
- 45:23So we want to see that, you know, I I can have a wallet, I
- 45:26can use it on my iPhone, on my Mac, I can use it, you know,
- 45:30easily transfer it from 1 device to another.
- 45:33The device becomes an important key storage device and an
- 45:36important part of the security of the whole ecosystem.
- 45:38But it shouldn't be at the centre of it.
- 45:40So we need to make sure that, you know, we're we're not bound
- 45:43to a single device. For those who haven't got
- 45:46devices, we need to then enable them to present digital
- 45:51information in the device. This manner we have one member
- 45:54who is doing a lot of work, two members actually now around
- 46:00digitally or proofing someone and then issuing them with, you
- 46:03know, very sophisticated QR codes physically that they can
- 46:07use them to present digital information that's stored in the
- 46:10QR code, which is a a good compromise for people who don't
- 46:14want to carry a digital device. They can carry a piece of
- 46:17plastic or even a piece of paper that enables them to do that.
- 46:20If you look at what they're doing in the Philippines with
- 46:22Filsis, you could have your ID there again in so in AQR code,
- 46:27essentially printed cheaply on a piece of paper.
- 46:31And one of the things they've been doing is rolling out
- 46:33laminators to town halls so people can laminate these things
- 46:35so that they last longer. But they've got now their
- 46:38digital digitally presentable ID in AQR code.
- 46:42So yeah, we we need to plan this transition.
- 46:44Not everyone has or should be compelled to have a smartphone
- 46:49to make this work, but this is going to take time.
- 46:53I mentioned the five golden credentials earlier on.
- 46:56We're already seeing progress for digital travel credentials
- 46:59and mobile driving licenses. We're seeing both of those
- 47:03specifications saying they could also support national IDs.
- 47:06So you know they can be solved therefore in two different ways
- 47:08through a different standard. Telco accounts and bank accounts
- 47:13is an area we're going to be pushing for standards on and we
- 47:16think they're given that those those ecosystems are highly
- 47:20standardized anyway because of the way payments and telco roam.
- 47:23We think that should be rather simply simple to do.
- 47:27Those 5 golden credentials I can see being covered in the next
- 47:30five years. But then things like
- 47:32standardization of university university credentials, health
- 47:35credentials, proof of proof of employment, that's going to take
- 47:39longer. And one of the things we're
- 47:41pushing on governments around the globe to do is to start
- 47:44thinking about that and put a program in place that moves
- 47:49their whole country to digital issuing.
- 47:52If it's not going to happen without a plan, there are
- 47:55massive economic benefits to moving to digital issuance of
- 47:58these things. But in isolation saying to the
- 48:01individual university, are you going to be the first to move to
- 48:03this. You know unless it's a bit of an
- 48:06academic project, it's not going to happen.
- 48:08It needs some some serious planning on on a countrywide
- 48:11basis. So we're one of the things we're
- 48:14going to be highlighting in another paper we're doing really
- 48:17aimed at the UK government regular to our election is
- 48:19highlighting that it needs to plan for that issuance of things
- 48:24digitally over the digital idea is great, but it needs to be
- 48:27able to collect these are the digital credentials as well.
- 48:30I find it interesting that you talk about the non digital
- 48:34credential here, right, AQR coded with that I I immediately
- 48:37start to think of sci-fi movies that I've seen right where you
- 48:39have like a bar code or something that you scan on your
- 48:41wrist. It's set up when you're bored or
- 48:44whatever and right that points back to some sort of central
- 48:47repository. I don't think we're there yet
- 48:50and certainly not advocating mandate.
- 48:53I'm having a tattoo put on you but you know this idea of a of
- 48:56AQR code that's plastic right or you carry around for the for for
- 48:59people who don't have a digital device I find pretty
- 49:01interesting. Do you find that, is that, is
- 49:05that a real thing or is that more just kind of conjecture
- 49:08right now and kind of thinking about, yeah, we do need to solve
- 49:11for people who don't have a, you know, appropriately advanced
- 49:15enough technology device to support a wallet in this case.
- 49:20It's absolutely real. I mean I mentioned the example
- 49:23of the Philippines with with Phil Sis that is one of the
- 49:27options and one of the most popular options there.
- 49:29I'm trying to remember the stats from when I met with them back
- 49:32in November. It's about 5050 issue between
- 49:35having a device based version and having the QR code version I
- 49:38think. So, you know, a lot of people in
- 49:41in there, yeah, Which is very much an emerging nation, don't
- 49:44have smartphones. So they're going to need that,
- 49:47that capability. And the middle ground here is
- 49:51feature phones. So, you know, feature phones are
- 49:53getting smarter. Yeah, they're not.
- 49:55They're not getting as far as smartphones, but, you know, they
- 49:58are. Their ability to carry a
- 49:59credential and present AQR code for many of them is already
- 50:02there. So you get to this point where
- 50:06you say, well, yeah, well, I just don't want to be digital.
- 50:09That's fine. You still need a way to do all
- 50:11of the spaniel if you wish. You know, we're not, we're not
- 50:14saying and we're not advocating that everybody must move to
- 50:17digital means, but within the digital domain, we need to case
- 50:21it for different options and not assume everybody couldn't get to
- 50:24a full-featured smartphone. How do biometrics play into this
- 50:27when we're talking about a mix of you know digital methods and
- 50:32what if I am a non digital method or is biometric purely
- 50:36for digital authentication? Forge is there.
- 50:39You know the example you mentioned in the Philippines,
- 50:41like I mean you literally are the person holding your card,
- 50:44right? How do you prove that in a
- 50:45digital world? Yeah, I mean in that area you
- 50:48know that card has a as high resolution as possible image of
- 50:52you in the QR code that is then revealed to a reader and that's
- 50:55cross checked. So that so that that biometric
- 50:58comparison then becomes a manual comparison to the person you
- 51:02presented it to or if it's a machine, it needs to capture the
- 51:05picture and it needs to capture the other credential.
- 51:08So if you think about what I said earlier about moving away
- 51:12from devices, this is where biometrics are key because
- 51:16actually if this whole thing around my identity is triggered
- 51:18from my biometric and is held in the cloud and all of that
- 51:22secure, I don't need a device in in play.
- 51:25It can all be done with the device of the person who's
- 51:28reading it, because if I can present my biometric to that and
- 51:31then within that interaction use their device to consent to share
- 51:35my information with them, I don't need the device to do
- 51:38that. Now we're way off that and we
- 51:41need a lot more trust in biometrics before we can do
- 51:43that. With biometrics, yeah, there's
- 51:47been quite a lot around the fact that, you know, they've had some
- 51:51some challenges dealing with ethnicities, which I think now
- 51:55has really gone back to, well, if you train them the AIS
- 51:58correctly, if they don't have a problem with different
- 52:01ethnicities, you just need to make sure you've got a proper
- 52:03training sample that's available to avoid that problem.
- 52:08But because of issues around biometrics and particularly
- 52:11fears about how good deep fakes are getting and how how they
- 52:15fall, biometrics, some of the frameworks we're working with
- 52:19are starting to put rules in saying that biometrics must not
- 52:22be the only option. So you can't.
- 52:24So you can't go into a situation where you have to have a
- 52:26biometric. You must have other choices
- 52:28around knowledge and possession of authenticators in order to
- 52:31prove who you are, and in proofing as well.
- 52:33You can't use biometrics as the only option.
- 52:35In the UK, it's just putting a policy change through at the
- 52:38moment that says when you're proofing someone into a digital
- 52:40ID, as a proofing identity service provider, you can't
- 52:46offer biometrics as your only option.
- 52:48You've got to have alternatives. We think that's important.
- 52:52We don't think individual companies should be compelled to
- 52:54offer alternatives. The consumers of identity, the
- 52:57relying parties should make sure they are adopting alternatives,
- 53:00is our view there? They must be available in the
- 53:02market. So we made it 53 minutes before
- 53:05the mention of deep fakes in AI, which I think is a record for
- 53:08us. It's recently on this show.
- 53:11I mean, it's certainly something that we've got to all account
- 53:13for, right? Is I can immediately think of
- 53:16like that picture, right? If I if I have AQR code and it's
- 53:18an image of me, what happens if that image of me changes?
- 53:21Or what if someone alters it and right in some way to be someone
- 53:24else? I hey, I I want to give us a pat
- 53:27on the back for going 53 minutes.
- 53:29We'll talk about AI in any in any substantive force, but it's
- 53:33definitely interesting to hear that that's that's already part
- 53:36of the discussion. If I'm in this space and I care,
- 53:40how do I follow along with what's happening?
- 53:43Is this something where I go to the open identityexchange.org
- 53:46website? Are there other resources that I
- 53:49should be looking at? Like how do I keep up with this
- 53:51stuff? Yeah, it's hard on our website,
- 53:56we publish our own papers, which yeah, but once a quarter we
- 54:01publish some of the consultation responses.
- 54:03We we push back to government as well openly so people can see
- 54:06what we're saying. So yeah, our website is a good
- 54:08source of that for members. We do a weekly or biweekly
- 54:13update on market views and views what's going on.
- 54:17We have a lot more resources for members as well in terms of what
- 54:19they you can see online to find out what's going on in the
- 54:23identity industry. So you know it would be great
- 54:26for your listeners to become members if they want to find out
- 54:29more. And you know, but it is, there's
- 54:32so much going on in this space at the moment, it's it's really
- 54:35fascinating for us to be at the heart of this and then be
- 54:38influencing its direction where where it's a challenge, but
- 54:41we're absolutely not loving work.
- 54:43Well, I'm glad there's somebody thinking about this and there's
- 54:45smart, smarter people than me trying to work through that.
- 54:49There's only so much we can cover in like an hour, right,
- 54:51For a podcast. I would definitely encourage
- 54:53people and we'll have a link in our show notes for people to
- 54:55check out the website so they can kind of get more information
- 54:57on that and and hopefully get involved.
- 54:59I think more people involved as always a better, a better thing,
- 55:02right? More viewpoints and more points
- 55:03of data, right, to accumulate things.
- 55:06I do want to close the conversation on a different type
- 55:08of identity. One of the things that was
- 55:11discussed prior to coming to show was the fact that you do
- 55:15theater work and that you're performing things like that.
- 55:19So you're already assuming an alter identity.
- 55:22So let's keep in that same. In that same vein, if you could
- 55:25perform in any theatre, show any character, or whatever it may
- 55:29be, which one would it be and why?
- 55:31So I've I've performed in many shows over the years.
- 55:34I've done, I've done Shakespeare, I do probably
- 55:37called pantomime. So I was dressed as a panto Dame
- 55:40a few weeks ago, which is essentially a kind of to drag
- 55:44act that we do as part of the comedy as part of that genre in
- 55:48the UK. What what I would love to do is
- 55:52to play the part of Frankenfurter in The Rocky
- 55:54Horror Show that that would be my ultimate, ultimate dream.
- 55:59I'm. Probably getting a little old
- 56:01now. So, you know, somebody needs to
- 56:03be offer me that part pretty soon, But you know, I'm
- 56:05available if anyone's interested.
- 56:07All right. So, so if I want to hire you
- 56:10right, I think we could probably get get, get you involved with
- 56:12like acting. Jim, what about you?
- 56:15If you could play the role of any?
- 56:17I I don't know. I don't know how much theater
- 56:19you watch or what's we can expand if we need to.
- 56:23No, you know, like so history based dramas are kind of like my
- 56:29one of my favourites. So I'd like to just be a double.
- 56:34No, not double. Like somebody who doesn't really
- 56:37have a part or that you don't notice.
- 56:39But if it was you, like, here's the part.
- 56:41I walk in the door and I walk across the room and like
- 56:44therefore like you would be etched in history as like part
- 56:50of that movie. Wait, so you want to be an extra
- 56:53in? A That's the I want to be an
- 56:54extra. Yeah, that was the word I was
- 56:55searching for. Thank you.
- 56:56I want to be an extra in a movie that's like Timeless that people
- 57:02will watch forever. And like, oh, there goes that
- 57:06guy. There goes, well, you know, even
- 57:08though people don't notice me, they they consciously notice me.
- 57:13They'll notice me. OK, that's interesting.
- 57:16I don't know. I I, I feel like Jim, dream
- 57:19bigger man. Don't you want to be?
- 57:21Like just I don't see myself being an actor, so like, but I
- 57:27think I could be an extra. OK.
- 57:30All right. I mean, I, I, I play the role of
- 57:33Jeff podcast host at least once a week.
- 57:37So that normal functioning human relatively speaking, I feel like
- 57:40that's the role that I'm designed for.
- 57:44I haven't done any any acting at all other than like school plays
- 57:47I did in. So I was in a Christmas play,
- 57:50must have been like fifth grade, so it's probably like 10 or 11
- 57:55or something like that. And it was the 12 days of
- 57:58Christmas and I there was a solo.
- 58:01So I actually we were it was everyone was singing and I was 5
- 58:05bales of hay and so I had to sneeze and that was like my big
- 58:09thing was like I had the best sneeze.
- 58:11So I did 5 bales of hay as like a 10 year old and that is the
- 58:16peak of my performance on a stage anywhere.
- 58:21So Nick, you've got me like beat by like 10,000% if, if, if, then
- 58:26and then some. So you use the five bells of
- 58:29hay, and you're telling me to dream beggar?
- 58:32What's that? You're telling me to dream
- 58:34beggar? Hey, that was fifth grade, man.
- 58:36At least I was, you know, I was. I had a solo part of it because
- 58:40the whole sneeze and stuff like that.
- 58:42Like, come on, man, you wear the jackets, you go to these
- 58:44conferences. You could be.
- 58:45You could be a leading, a leading person.
- 58:48Maybe I have a friend. I have a friend who, you know,
- 58:52he's part of the, there's like a like a quasi Hollywood scene in
- 58:57Atlanta. So they're doing a lot of
- 59:00production of TV shows and movies in Georgia now.
- 59:04Anyway, he has busted his ass to kind of rise up.
- 59:08And I will say he got like a not a speaking role in the movie
- 59:12Black Adam. And there's a scene where he
- 59:15takes his his sword or something and like busts over the head of
- 59:19Dwayne Johnson. And then it like, bends, it
- 59:23shapes the bit to Dwayne Johnson's head.
- 59:26And then he gets punched by Dwayne Johnson, like, flies off
- 59:29the screen, like. And you know, he's put.
- 59:34But The thing is, like people see him at the gym and they're
- 59:37like, hey, were you in that movie Black Adam?
- 59:40He's kind of like that small scene.
- 59:42So I'd be good with that. I know how much work he's put
- 59:45into it to get roles like that. He's put a lot of work into it.
- 59:49I'm just not willing to put that much time into it personally.
- 59:53Well, let's go the expert. Here be an extra.
- 59:55We've got an expert on the show, Nick.
- 59:56If you had to cast Jim in something, what do you think Jim
- 1:00:00would like? What's a role, that of the hour
- 1:00:02that we've been talking here that you think Jim would be a
- 1:00:04good fit for? And myself too, if you feel like
- 1:00:06it. Oh, fantastic.
- 1:00:09Well, I I think if we're going to do like a sequel to, say,
- 1:00:12Wayne's World, we could get you two in it.
- 1:00:14There you go, that'd be. That'd be a good place for both
- 1:00:16of you there. I could do that.
- 1:00:20I'm a fan of. World I.
- 1:00:22Would definitely be Karth, that's for sure.
- 1:00:27Fell on my keys. All right, terrible Garth
- 1:00:32impression. We're going to go ahead and
- 1:00:34wrap, wrap it up there for this week.
- 1:00:36I don't think we can top that. So thanks Nick, for for saving
- 1:00:38us there in that last minute. We'll go ahead and leave it.
- 1:00:42We'll have links in our show notes for people to connect with
- 1:00:45Nick on LinkedIn, check out Open Identity Exchange that's open
- 1:00:48identityexchange.org. Follow all the great work that's
- 1:00:51there, help keep us connected and moving together and that and
- 1:00:56interoperability. So thanks Nick for being on top
- 1:00:59of that. You can visit us on the web,
- 1:01:01idacpodcast.com, on Twitter, at IDAC podcast or whatever Twitter
- 1:01:06is called by the time you listen to this, whether it's tomorrow
- 1:01:08or 10 years from now, if it still exists.
- 1:01:10We have a YouTube channel. Jim is very proud of making sure
- 1:01:13that we get people over there. So we started to post like
- 1:01:16shorts and all of our episodes are up there as well.
- 1:01:18So another way to check us out, We're on Mastodon, at IDAC
- 1:01:22Podcast, at Infosec, dot exchange and of course you can
- 1:01:26always connect with Jim and I at LinkedIn.
- 1:01:27So thanks everyone for listening and we'll talk with everyone in
- 1:01:30the next one. You've been listening to
- 1:01:34Identity at the Center. We hope you've enjoyed the show.
- 1:01:38Make sure to like, rate and review and we'll be back soon.
- 1:01:42But in the meantime, hit the website at
- 1:01:44identity@thecenter.com and find us on Twitter at IDAC Podcast.
- 1:01:52See you next time on Identity at the Center.