1. Chris Farmer Director of Fraud Strategy
Increase use of data and trusted third parties Taking the risk out of the system
Chris Farmer
Director of Fraud Strategy

2. The formula for fighting fraud
Fraud prevention
Identifying the parties
Establishing trust

3. Who do you trust? Fraud Prevention Organisations Government
Law Enforcement
Fraud Prevention Organisations
Credit Reference Agencies
Consumers
It depends on the question!

4. Existing Organisation-centric identity model Registration
Identity Verification Service Provider
Is this Amy?
I’m Amy
Yes, it’s Amy
Issue and manage credentials
Password
Token

5. Existing Organisation-centric identity model Interaction
I’m Amy and here are my credentials
Phishing / Pharming
I’m pretending to be Amy and here are her credentials
Mr F.R.Audster

6. How some identity providers will change
Identity Verification Service Provider
Identity Management Service Provider
Identity Verification Data
Identities
Attributes
Trusted
Credentials
Voice
Digital certificate
Token

7. Tomorrow’s Customer-centric identity model Registration
I’m Amy
Register Amy
Voice
Token
Password
Issue and manage credentials
Check that Amy is Amy

8. Tomorrow’s Customer-centric identity model Interaction
It’s Amy again
Is it really Amy?
It’s Amy and here is her information
Password
Prove it is Amy
Token
Voice

9. It’s Amy and here is her information
Tomorrow’s Customer-centric identity model Re-using my established identity
I’m Amy
Do you know about Amy?
It’s Amy and here is her information
Password
Prove it is Amy
Token
Voice

10. What’s in it for Amy?
Less time spent filling in forms and better data accuracy
Easier to prove who she is =
Easier to get organisations to trust information provided
Confidence in protection from identity fraud ≠

11. What’s in it for the organisation?
Better data accuracy means more informed decision making
Faster sign-up process means less abandonment
Higher confidence in who you are dealing with at EVERY interaction

12. The challenge for the Identity Management Service Provider
Young People
New to Country
Older People
Documents
Identity Thieves

13. The drivers to make this happen The UK Government Identity Assurance Programme
National Identity Card Scheme
Private Sector Identity Assurance Providers
Universal Credit

14. …so what does the future hold

15. Thank you for your attention
Chris Farmer
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