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submitted 11 months ago by [email protected] to c/[email protected]

Thanks to Popcrave https://twitter.com/popcrave/status/1691852136236327316?s=46&t=lcH0dp9biwkMEBKsRQeVeQ

Who here is going to put their ID and photo on X/Twitter

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[-] [email protected] 60 points 11 months ago* (last edited 11 months ago)

You Americans should get to this century and start performing digital strong authentications like the rest of us. Sending picture of your ID to anyone is insane :)

How we do it here in Finland is that there are digital identity providers which use bank/mobile carrier to identify you. They then use MFA when identifying you. Any service can use these services to do strong authentication for you. And they don't cost anything for the customer, and is really cheap for the company who wants to identify you. It is also build into the law that you must identify people using these, to avoid identity theft.

[-] [email protected] 97 points 11 months ago

We're still trying to decide if slavery was wrong give us some time

[-] [email protected] 20 points 11 months ago* (last edited 11 months ago)

Half our country thinks that would be the mark of the Beast or some shit.

[-] [email protected] 2 points 11 months ago
[-] [email protected] 2 points 11 months ago

How doss your bank identify you?

[-] [email protected] 4 points 11 months ago

When you walk in, the guy goes "hey Sam! I tupped your mom the other night."

[-] Honytawk 1 points 11 months ago

By the card they issued me when I opened the account.

[-] [email protected] 1 points 11 months ago

But how did they authenticate your identity when you opened the account? I'd not trying to be an arse - but at some point it will likely have come back to matching some official photo id against your face.

[-] [email protected] 1 points 11 months ago

They once identify you from your driver's license, government id card or passport. After that you for example link your smart phone to you, and you use their app when you identify.

You can also use mobile carriers, they send a push notification directly to you phone+sim. Not sure what protocol they use here, because it opens up an UI which is plain android, and asks pin.

Everything relays on chain of trust that since one service has identified you, the next can trust too. Plus there is MFA to verify that you actually made the identification request.

[-] [email protected] 2 points 11 months ago

The initial argument was ‘sending is to anyone is insane’ but that’s what you do with the bank. Yes it’s only once - but that’s the same as the other systems we are taking about here.

[-] [email protected] 1 points 11 months ago

They don't accept it remote, only face-to-face. I have done it once, 15 years ago. Face-to-face is actually only way to do it to avoid identity theft.

[-] [email protected] 0 points 11 months ago

Interesting, so your answer to identity authentication is it is it shouldn’t ultimately be done to do remotely and that everyone needs to queue at the counter.

Meanwhile the UK gov remote system seems to work rather well https://appadvice.com/app/gov-uk-id-check/1629050566

[-] [email protected] 1 points 11 months ago

You do that once in your lifetime, and never after that.

[-] [email protected] 1 points 11 months ago* (last edited 11 months ago)

Until you change banks, mobile phone provider or visit another country and want a local SIM

[-] [email protected] 1 points 11 months ago* (last edited 11 months ago)

The other bank and other mobile provider identifies you through the another one. I am able to identify through two different banks and mobile provider, and have not in 15 years done it onprem. I do strong digital authentication generally once or twice a week.

Edit: last time was actually when I took house mortgage 13 years ago, and switched bank. Not really a issue to show ID onprem when talking 200k€.

[-] [email protected] 1 points 11 months ago

So, to be clear - if you ever need to renew government documentation or get access to government systems (benefits or taxes), the government doesn’t ask to see government ID - it outsources that to bank procedures from n years ago?

[-] [email protected] 1 points 11 months ago* (last edited 11 months ago)

Practical sense yes, I accessed my tax info today, and strongly authenticated through my mobile provider. It took me 2 seconds and there was MFA included in the process.

Edit: here is Finnish Cyber Security Centers article how the process works: https://www.kyberturvallisuuskeskus.fi/en/our-activities/regulation-and-supervision/electronic-identification

It is defined in Finnish law that all services must use this mechanisms

[-] [email protected] 1 points 11 months ago

Looks like initial submission of identity documents can be done electronically - not necessarily in-person.

[-] [email protected] 1 points 11 months ago

Yes, I noticed also that they have included this support now also.

[-] [email protected] 2 points 11 months ago

I mean that's how it's like here in the States too. Show your paperwork at registration and that's it.

[-] [email protected] 1 points 11 months ago

I have done it once, 15 years ago, after that I have never needed to go it again.

[-] [email protected] 1 points 11 months ago

It's not like the bank KEEPS your ID

this post was submitted on 16 Aug 2023
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