Hi Luk, How would vendors be able to mix that? (I don’t understand your remark). There is no need to disclose an identity, we’re simply building one. If 3 banks and a telco accept and validate your “proof of address” and “approve” the hash of that document on the ledger, it’s up to you to use it for a 4th bank. But if you do, your KYC should go faster (de lege ferenda – at the moment it’ll merely indicate you already used the document). As we’re doing KYC anyway, returning the result to the user just seems to be the best thing to do. Keeping identity secured is interesting from a personal point of view, for the collective it’s way more interesting to know who is where. But that seems to be an entirely different discussion. Best regards, Koen Van: Luk Vervenne [mailto:luk.vervenne@synergetics.be] Verzonden: vrijdag 19 augustus 2016 0:20 Aan: Koen Vingerhoets <koen.vingerhoets@telenet.be> CC: James Hazard <james.g.hazard@gmail.com>; Luk Vervenne <luk.vervenne@synergetics.be>; dg-bsc@kantarainitiative.org Onderwerp: Re: [DG-BSC] WEF Report Hmm, that would allow vendors to mix identification, authenticaiton and authorization. I would be favour to cleanly separate those three elements. In fact I would like individuals be known - after identification - through "pairwise persistent pseudonyms”. By default. Identity disclosure is a prerogative of the user. So it can’t be google/facebook either. Federated networks of IdM providers (Martins suggestion) is focused but also limited in what it does. Luk On 19 Aug 2016, at 00:00, Koen Vingerhoets <koen.vingerhoets@telenet.be <mailto:koen.vingerhoets@telenet.be> > wrote: Hi, I’m working on a blockchain use case where banks use the KYC procedure to construct an identity fort heir customer. Based on (re)validation of hashes of re(used) documents, banks can confirm an identity. By extending to telco (and other utilities), the “digital identity” gains extra value. Basically a <http://onename.com/> onename.com with banks/large corporates validating instead of github, twitter, facebook. Banks are no hosts – what benefit would that bring in the short or medium term? They’re investing a lot to ensure they can still add value in a peer 2 peer (or human 2 human) world. Best regards, KOen Van: <mailto:dg-bsc-bounces@kantarainitiative.org> dg-bsc-bounces@kantarainitiative.org [ <mailto:dg-bsc-bounces@kantarainitiative.org> mailto:dg-bsc-bounces@kantarainitiative.org] Namens James Hazard Verzonden: donderdag 18 augustus 2016 15:48 Aan: Luk Vervenne < <mailto:luk.vervenne@synergetics.be> luk.vervenne@synergetics.be> CC: <mailto:dg-bsc@kantarainitiative.org> dg-bsc@kantarainitiative.org Onderwerp: Re: [DG-BSC] WEF Report Thanks Luk. I would think that real P2P would not have central governance (not even central "mining"). It would be polycentric. Anyone or any group could fork their own and cooperate or interoperate as they found convenient. Of course there are very strong reasons to interoperate, and standards are important (e.g., our discussion on a Kantara thread). Regarding decentralized law (document templates) we think that participants will want local, national, industry and global standards processes, under distinct, "local", even competing managements. Hence a "Center for Decentralized Law." On Thu, Aug 18, 2016 at 9:05 AM, Luk Vervenne < <mailto:luk.vervenne@synergetics.be> luk.vervenne@synergetics.be> wrote: OK James. But there is a difference between who’s is running the federated IdM, and who is governing it. A data center, Telco’s or even a bank might actually do it, but an independent "separation of concern” governance should manage it. If we really want to make the individual a genuine stakeholder… it starts there and then. By ethically industrialising personal data management (which is more than IdM, we need to end this fight for personal data, by setting up a new digital utility as the very basis from which individuals can become genuine stakeholders. To name one ...Local Gov. should take up its (partial) responsibility. Luk On 18 Aug 2016, at 14:46, James Hazard < <mailto:james.g.hazard@gmail.com> james.g.hazard@gmail.com> wrote: This is an interesting discussion. I have no dog in this fight, and am not trying to take sides. I notice, however, that telcos are i) more digital, ii) in more direct contact with the customer via mobile phones iii) more agile iv) bigger (in subscriber bases). In addition to the advantages of banks mentioned in the report, banks are more numerous and many are more local than telcos. They might pose less of monopoly threat and perhaps less monoculture threat. In this view, telcos are natural conduits for a P2P solution and banks are natural hosts. This of course does not make banks the exclusive hosts, not even for a single individual. In a P2P solution, individuals can host-their-own or host with an alternative supplier, and there is a very low barrier to switching. On Thu, Aug 18, 2016 at 8:14 AM, Luk Vervenne < <mailto:luk.vervenne@synergetics.be> luk.vervenne@synergetics.be> wrote: Adding to Martin’s, here’s another one : Even in an digital world, most of the economic value of an individual is spend ...local. So federated IdM - and in fact the Digital Utility supporting Personal Data Ecosystems - need to be locally based in a Europe of Regions. Luk On 18 Aug 2016, at 14:04, Martin Kuppinger < <mailto:mk@kuppingercole.com> mk@kuppingercole.com> wrote: Hi, yes, unfortunately they neither act that way nor are they as trusted for that role as most believe. We did research even a couple of years ago on that and it has been verified repeatedly that Telcos including mobile operators are in a better position. They are trusted. And they have far bigger ecosystems than most banks have. Furthermore, I believe that many people still want to keep identity and their own financials somewhat separate. Otherwise, PayPal might be the best home for identity management: Global, large scale,… At least we finally might see an evolution towards an ecosystem of trusted identity providers with sufficient interoperability, particularly for the interactions and transactions that really need trust. Most governments failed in providing such infrastructure. Others, including many startups, tried to fill that gap – and commonly failed. Now, others (and I bet more on telcos than the finance industry), based on new technical options, might succeed. Regards, Martin Von: <mailto:dg-bsc-bounces@kantarainitiative.org> dg-bsc-bounces@kantarainitiative.org [ <mailto:dg-bsc-bounces@kantarainitiative.org> mailto:dg-bsc-bounces@kantarainitiative.org] Im Auftrag von James Hazard Gesendet: Donnerstag, 18. August 2016 13:58 An: John Wunderlich < <mailto:john@wunderlich.ca> john@wunderlich.ca> Cc: <mailto:dg-bsc@kantarainitiative.org> dg-bsc@kantarainitiative.org Betreff: Re: [DG-BSC] WEF Report This report of the World Economic Forum, done by Deloitte, has a consistent thesis - that banks (financial institutions) are the natural home for identity management. It makes the point in great depth. <http://www3.weforum.org/docs/WEF_A_Blueprint_for_Digital_Identity.pdf> http://www3.weforum.org/docs/WEF_A_Blueprint_for_Digital_Identity.pdf On Wed, Aug 17, 2016 at 5:02 PM, James Hazard < <mailto:james.g.hazard@gmail.com> james.g.hazard@gmail.com> wrote: A couple of thoughts: These "blockchain" analyses tend to minimize the role of related technologies, such as identity management and access control, and of knock-on effects resulting from, for instance, harmonization of the record format, of the functions and of the legal text. If we recontextualize "blockchain," it is busting down the proprietary door to banking and finance software, and all the other technologies can follow. "Financial technology" becomes simply "technology," technology that is open source. Borrowing from the Barclays' smart templates vocabulary and Thomas's use case, the layers seem to be: 1. Records, which can be: 1.1. parameters (transaction particulars and paradigms) 1.2. prose (framing - legal, descriptive and other human-readable text) 1.3. code (functions - "smart contracts" - text that computers like to read) 2. synchronization of records 3. execution of code 4. management of collections of records (notably access control) 5. validation of the veracity of collections of records. "Blockchains," in the technical sense provide advantages primarily in layer 5, but "blockchains" in the movement sense highlight the advantages of using common approaches to the other layers. Blockchains in the technical sense are suboptimal (or even unusable) in some of the other layers, notably in management of records. It is hard to see how blockchains can be reconciled with, for instance, the privacy requirements of the GDPR. <http://kantarainitiative.org/confluence/display/BSC/Privacy-Preserving+Data+Sharing> http://kantarainitiative.org/confluence/display/BSC/Privacy-Preserving+Data+... Banking is a particularly important use case, that we might wish to consider. The EU Payment Services Directive mandates banking APIs. Banks are, I am told, extremely concerned about data security and fraud, as well as worried about the competitive effects. To demonstrate a vision of "open sourced" financial services in a format that is compatible with blockchains but not dependent on them, I improved on a "bank chain" demo I did in France. This demo is very dense - (not the first time that that can be said of my work) - but it shows a flow of drafting, signature and validation of a payment instrument (check), and has stubs for specifying consequences that need to be implemented in code (a kind of loose-text SCDL - smart contract definition language). This is neither legal nor coding advice, and is certainly wrong in all particulars, but it may help convey the general idea - that open source (blockchain in context) can permit the financial sector and its customers (most of us) to be treated as a decentralized file system, nodes in a "graph." <http://www.commonaccord.org/index.php?action=doc&file=bqc/fr/bnpp/a5we/Account/Check/00001/06-Accept.md> http://www.commonaccord.org/index.php?action=doc&file=bqc/fr/bnpp/a5we/Account/Check/00001/06-Accept.md On Wed, Aug 17, 2016 at 4:14 PM, John Wunderlich < <mailto:john@wunderlich.ca> john@wunderlich.ca> wrote: If I were to pick at that nit, I would suggest "mistrust somewhere in the chain of transactions" Thanks, John 4giv spellin errurz from mobile devize _____________________________ From: j stollman < <mailto:stollman.j@gmail.com> stollman.j@gmail.com> Sent: Wednesday, August 17, 2016 12:30 PM Subject: Re: [DG-BSC] WEF Report To: John Wunderlich < <mailto:john@wunderlich.ca> john@wunderlich.ca> Cc: Thomas Hardjono < <mailto:hardjono@mit.edu> hardjono@mit.edu>, < <mailto:dg-bsc@kantarainitiative.org> dg-bsc@kantarainitiative.org> John, This list provides some valuable insight. The only thing I would change is the Item 3: Minimal Trust. My correction is nitpicky, but I would change "mistrust between entities: to "mistrust among entities." Often the two parties transacting trust each other. The trust breakdown is further up or down the transaction chain. "Among" captures this more accurately than "between." Jeff --------------------------------- Jeff Stollman <mailto:stollman.j@gmail.com> stollman.j@gmail.com <tel:%2B1%20202.683.8699> +1 202.683.8699 Truth never triumphs — its opponents just die out. Science advances one funeral at a time. Max Planck On Wed, Aug 17, 2016 at 6:27 AM, John Wunderlich < <mailto:john@wunderlich.ca> john@wunderlich.ca> wrote: Here's the page that leapt out at me - characteristics of high potential use cases <image001.jpg> John Wunderlich, Sent frum a mobile device, Pleez 4give speling erurz "...a world of near-total surveillance and endless record-keeping is likely to be one with less liberty, less experimentation, and certainly far less joy..." A. Michael Froomkin On Wed, Aug 17, 2016 at 5:13 AM -0400, "Thomas Hardjono" < <mailto:hardjono@mit.edu> hardjono@mit.edu> wrote: This might help us in some of our use cases: <http://www3.weforum.org/docs/WEF_The_future_of_financial_infrastructure.pdf> http://www3.weforum.org/docs/WEF_The_future_of_financial_infrastructure.pdf/... mailing list <mailto:DG-BSC@kantarainitiative.org> DG-BSC@kantarainitiative.org <http://kantarainitiative.org/mailman/listinfo/dg-bsc> http://kantarainitiative.org/mailman/listinfo/dg-bsc This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. 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