Andrew Nash Senior Director of Identity Services Topics in Identity and Payments

Progress in Identity “Ownership” Enterprise Centric 12 Federated Partners 3 User Centric Social Networks Mashups Web 2.0 Tagging e-commerce Finance

Participants People Services Identity Services Attribute Providers

Credit Card Ecosystem Multiple Value Flows Merchant Consumer Acct IssuerAcquirer Card Network merchant discount usage fees/awards Switch fee /assessment Interchange fee

Service Transactional Opportunity identity service Consumer Claims Fraud/Risk Reduction Targeted Marketing Reduced Friction Increased Checkout Completion cookies historical data checkout- time identity

The Identity Trust Gradient Low Value High Value None Extreme Transaction “value” Regulatory / Compliance / Risk Blogs Social Networks Shopping Financial Health Intelligence Agency Shopping

Levels of Assurance Gaps Unlike NIST, risk based systems are not a one time identity proofing exercise Continual verification of identity “goodness” –Context, transaction history, behavior, … Enhancement to authentication –Triggers for step-up authentication

Brokerage Values Reduce # of identity sources service providers build business and legal relationships with Act as consumer advocate Create a simplified policy view across domains Simply integrate user attribute management Provide an integration point for multiple sources of information from attribute providers Amortize costs of higher value features including 2FA

Role of IDP? Consumer IDP “I am very privacy conscious” “All information should be free” “Help keep me safe” “Assurance Level 3” “Moderate levels of private information ” “Anonymous is ok” Consumer Agreements Relying Party Contracts Information Classification Attribute Providers

The Three Laws of Consumer ID Svcs 1.An ID Svc may not injure a consumer, or through inaction, allow a consumer to come to harm. 2.An ID Svc must obey orders given by consumers, except where such orders would conflict with the 1 st Law. 3.An ID Svc must protect its own existence as long as such protection does not conflict with the 1 st or 2 nd Law.