But yes, that's exactly the problem, the Credit Reference Agencies actually sell this as a service. They think it's a big improvement, and if they're right that ought to be terrifying - what was being done before this crap? "Nothing" is likely to be the depressing answer.
"Hey, we can tell if this is really Dave Smith, because we'll ask "How much did you spend on your credit card in May?" and the real Dave knows the answer, and so do we. Well yes, and so does anybody who saw Dave's card statement, and people at Dave's bank, and the card company, and... also when Dave answers $849.28 that won't match and gets a bad user experience. Oh you mean the _other_ credit card. Yeah, Dave only spent $30.26 on that, he mostly uses it to buy fuel for his jet ski... So you try to solve this "How much did you spent on the VISA ending 4282 in May?" now you've given away a useful fact to an adversary. Idiots.
We need to move to a system that allows rapid expiry of PII data. Then it will not matter if someone is able to social engineer this data from all these companies. By the time the data leaves the companies HQ, it is already out of date and therefore impossible to use with new services.
I think we should have something like this, but with a personal certificate instead of an image. Of course I guess it requires some logistics (lost/stolen stamps, expiration dates, perhaps the stamp should be activated with fingerprints...).
Also the stamp has to be registered to have legal value, which makes it tough to change.
But your idea of signing with the result of some personal certificate is very nice. It can be checked by crypto, different everytime, and wouldn’t matter how it is signed, if it’s easy to reproduce the content etc..
This is not actually true. Some stamps need to be registered (for example the stamp for corporation), but personal stamps for most applications don't need to be registered -- even for bank accounts. I have several and I'm always forgetting which one I used for my different bank accounts :-P.
One of the strange things about Japanese stamps is that if you let someone have your stamp, then it is considered that you have given them permission to do whatever they want with that stamp. The very fact that they have the stamp means that they are authorised. I got very angry at my previous employer (the government, no less) when my contract was over. They demanded that I give them my stamp I had used for stamping my time card. It happened to be the one I used for my bank account too (because I was clueless at the time!) It took me a couple of months to work around that. If you are ever working in Japan, treat your hanko (stamps) exactly the same way you would treat your encryption keys: use a different one for each application if possible.
For instance as you point out for banks you can open an account without any check (you’re giving them money) but you won’t get a mortgage without proof of registration (they’re taking the risk)
At a previous company my boss had his company stamp (a shachihata) in a drawer for us to use when he’s not there. It’s interesting because by the rule of law we would be the one in fault for using someone’s stamp, so it better be for stuff he approved verbally or other ways.
I have no idea. Any system with a high false negative rate is breaking the law, and one with a high false positive rate seems even worse.
Governments could work with big tech players to confirm that certain Gmail/Facebook accounts are linked to one, and only one, national identity. Then through OAuth, you could use that to login anywhere else, proving you are a real person with exactly one ID (which needen't be revealed, just confirming you have exactly one account)
I seem to recall reading here on HN a few weeks back how surnames came into existence: it was because the (? Italian) government wanted to track taxes. Before that everyone had several ways of naming themselves: John, John son of Joe, John of someplace, John the carpenter, etc. Personally, I really like that because I'm not just "one thing", but am a person who has different aspects.
You already have one, SSN and similar absolutely count and allow aggregate different data. Not to mention that you're absolutely forgetting about the fact that humans don't have a lot of entropy, k-anonymous data is not what we have by-default. You are wrong about a centralized system "providing a way to aggregate data" it just makes it easier. I live in a country that actually gives citizens access to a centralized identity system and I'd say it has solved much more than you're giving credit for.