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Online identity fraud results from the misuse of personally identifying information such as names, Social Security Numbers, and birthdates, as well as misuse of shared secrets such as passwords, credit card information, answers to "challenge questions", mother's maiden name, etc. Misuse of this PII enables fraudsters to impersonate individual consumers online because identity-related claims are often based on nothing more than knowledge of this information. Identity fraud has an obvious negative impact on consumers, who may experience damaged credit scores, drained bank accounts, fraudulent credit card charges and other bills resulting from unauthorized purchases, falsified medical histories, privacy breaches of sensitive medical records and information, etc. The negative impact on businesses that provide identity-related products or services includes damage to their operations, reputations, and bottom line, as well as loss of trust that is difficult and costly to regain. As well, identity fraud creates distrust and fear between businesses and consumers that imperils achieving the full range of economic benefits promised by the internet itself.
While a number of initiatives, frameworks, and technologies currently exist that can support the purpose of this WG, today there is no large-scale, practical way to verify online identity-related claims as they pertain to individual consumers. Initiatives, technologies, frameworks, etc. that currently contribute to this goal include the Liberty Alliance Web Services Framework, the Liberty Alliance Identity Assurance Framework, Initiative for Open Authentication (OATH), the US government's e-Authentication initiative, OpenID, Information Cards, public key infrastructures (PKI), and others.
With this as a background, the Consumer Identity WG seeks to propose solutions to the problem of online consumer identity assurance that
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Bob Pinheiro, Robert Pinheiro Consulting LLC Other???
(7) AUDIENCE: Anticipated audience or users of the work.
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(8) DURATION: Objective criteria for determining when the work of the WG has been completed (or a statement that the WG is intended to be a standing WG to address work that is expected to be ongoing).
<INSERT TEXT> The NewOrg Kantara Leadership Council charters the Consumer Identity Work Group for five years. It may be amended from time to time, with changes approved by the Leadership Council. This charter will expire on <INSERT DATE>.
(9) IPR POLICY: The Organization approved Intellectual Property Rights Policy under which the WG will operate.
<CHOOSE> - Kantara Initiative IPR Policy - Liberty Option
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Previous work related to the efforts of the WG includes: (a) "_Authentication 2.0: New Opportunities for Online Identification", by Center for Strategic and International Studies; (b) "Online Identity Theft: Changing the Game", Microsoft Whitepaper; (c) "Connecting Americans to their Healthcare: Consumer Authentication for Networked Personal Health Information", by the Connecting For Health Initiative of the Markle Foundation; (d) "The ID Divide: Addressing the Challenges of Identification and Authentication in American Society", by the Center for American Progress; (e) "Securing Cyberspace for the 44th Presidency", by the Center for Strategic and International Studies.
The WG may have liaisons with other WGs, including Identity Assurance & Accreditation WG, Health Identity & Assurance WG, eGovernment WG.
Other organizations that the WG may interact with include the Information Card Foundation, ANSI Identity Theft Standards Panel, Center for Strategic and International Studies, Center for American Progress, Internet Society
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- Bob Pinheiro, Robert Pinheiro Consulting LLC (bp@bobpinheiro.com)
- Pak Mark, Independent Business Investor
- Ron Carpinella, Equifax