Bill Gates ID

Twenty years ago…

“Bill Gates went to great lengths to emphasis the importance of smart cards to the 60,000 attendees of NetWorld+Interop in Las Vegas.
Smart cards closely tied to PKI deployment in the corporate environment but, as a recent report by The Yankee Group points out, vendors and systems integrators have not got their acts together so far as PKI is concerned: the survey of 30 corporations found inadequate support and professional services.”

“Bill Gates Campaigns For Stronger ID” from Card Technology: p.26-30 (2000).

Council Post: 11 Finance Experts Predict Big Changes Coming To The Banking Industry

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Most consumers and small businesses don’t understand the difference between what commercial banks offer versus nontraditional lending entities—whether from fintech or investor-backed funds. Consumers want capital at reasonable rates and do not care about the source.

From Council Post: 11 Finance Experts Predict Big Changes Coming To The Banking Industry:

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Jamie Dimon: JPMorgan Chase should absolutely be ‘scared s—less’ about fintech

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Competition will be particularly tight in the world of payments, he said: “I expect to see very, very tough, brutal competition in the next 10 years,” Dimon said

From Jamie Dimon: JPMorgan Chase should absolutely be ‘scared s—less’ about fintech:

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Jamie Dimon: JPMorgan Chase should absolutely be ‘scared s—less’ about fintech

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Dimon said he sent his deputies a list of global competitors, and that PayPal, Square, Stripe, Ant Financial as well as Amazon, Apple and Google were names the bank needs to keep an eye on.

From Jamie Dimon: JPMorgan Chase should absolutely be ‘scared s—less’ about fintech:

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Britain to start digital health passport trials

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The UK government will soon begin giving vaccine passports to people who have received the coronavirus jab and the debate about the ethical and legal ramifications of digital vaccine passports continues.

The trial phase of the passport will begin this month. The passport is a free smartphone app developed by cybersecurity firm Mvine and biometrics expert iProov. The app will provide evidence that a user has received the vaccine.

The trial’s purpose is to demonstrate how vaccine passports could be useful to the NHS in tracking the number of people who have received the jab, which comes in two doses.

Meanwhile, government officials continue to give mixed messages regarding vaccine passports. The Department of Health and Social Care had said that there were no such plans

From Britain to start digital health passport trials.

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Why Vertical Software Companies Are the Payments Companies of the Future | Transaction Trends

Payments are the vanguard of embedded finance.

Many software companies are finding that the next logical step in this evolution — the better solution to these problems – is that the software company has to also become the payments company. This allows them to control the payment experience from start to finish, creating the ideal payments solution for their specific vertical and taking a bigger bite out of the payments revenue pie.

From Why Vertical Software Companies Are the Payments Companies of the Future | Transaction Trends:

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COVID and Digital ID

What if it is not banking, as I’d always assumed, but COVID that drives digital identity into the mass market?

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The Vaccination Credential Initiative (VCI) is a coalition of public and private partners committed to empowering individuals with digital access to their vaccination records

From VCI:

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The Vaccination Credential Initiative (VCI) is working to enable individuals vaccinated for COVID-19 to access their vaccination records in a secure, verifiable and privacy-preserving way.
Coalition partners include CARIN Alliance, Cerner, Change Healthcare, The Commons Project Foundation, Epic, Evernorth, Mayo Clinic, Microsoft, MITRE, Oracle, Safe Health, and Salesforce.

VCI coalition members are working to enable digital access to vaccination records using the open, interoperable SMART Health Cards specification, based on W3C Verifiable Credential and HL7 FHIR standards.

From Broad Coalition of Health and Technology Industry Leaders Announce Vaccination Credential Initiative to Accelerate Digital Access to COVID-19 Vaccination Records | Business Wire:

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If the Health Wallet wants to fine-tune identity claims in the generated credentials, it can provide an explicit list of one or more includeIdentityClaims, which will limit the claims included in the VC. For example, to request that only name be included:

{
“resourceType”: “Parameters”,
“parameter”: [{
“name”: “credentialType”,
“valueUri”: “https://healthwallet.cards#covid19”
}, {
“name”: “includeIdentityClaim”,
“valueString”: “Patient.name”
}, {
“name”: “encryptForKeyId”,
“valueString”: “#encryption-key-1”
}]
}

If no encryptForKeyId parameter is supplied, then the signed VC is returned unencrypted. To request encryption, the client includes an encryptForKeyId parameter with a valueString, indicating the requested encryption key ID, starting with #. This ensures that even if the client’s DID document includes more than one encryption key, the server will know which one to use for encrypting this payload.

From SMART Health Cards Framework:

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Any time we want to present healthcare data in the form of a VC, we must first make some use-case-specific decisions:

Define a set of required and optional FHIR content resources (e.g., Immunization or Observation) that must be packaged and presented together
Decide how to bind these FHIR content resources to a person’s external identity, via FHIR identity resources (e.g., Patient)

From Credentials – SMART Health Cards Framework:

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FHIR® – Fast Healthcare Interoperability Resources (hl7.org/fhir) – is a next generation standards framework created by HL7. FHIR combines the best features of HL7’s v2 , HL7 v3 and CDA product lines while leveraging the latest web standards and applying a tight focus on implementability.

From Summary – FHIR v4.0.1:

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Founded in 1987, Health Level Seven International (HL7) is a not-for-profit, ANSI-accredited standards developing organization dedicated to providing a comprehensive framework and related standards for the exchange, integration, sharing and retrieval of electronic health information that supports clinical practice and the management, delivery and evaluation of health services.

 

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A mock-up from the Commons Project of what a digital vaccine credential might look like.

From Covid Vaccine Digital Credentials See Interest From Microsoft, Salesforce – The New York Times:

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IATA Travel Pass
A global and standardized solution to validate and authenticate all country regulations regarding COVID-19 passenger travel requirements. IATA Travel Pass will incorporate four open sourced and interoperable modules which can be combined for an end-to-end solution:

REGISTRY OF HEALTH REQUIREMENTS REGISTRY OF TESTING / VACCINATION CENTERS LAB APP CONTACTLESS TRAVEL APP
Enables passengers to find accurate information on travel, testing and vaccine requirements for their journey
Powered by IATA Timatic
Enables passengers to find testing centres and labs at their departure location which meet the standards for testing/vaccination requirements of their destination
Enables authorized labs and test centers to securely send test results or vaccination certificates to passengers
Enables passengers to (1) create a ‘digital passport’, (2) verify their test/vaccination meets the regulations & (3) shares test or vaccination certificates with authorities to facilitate travel.
Can be used by travelers to manage travel documentation digitally and seamlessly throughout the travel experience.

From IATA – Travel Pass Initiative:

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Microsoft, Oracle, others team up to create vaccination passports – Business Insider

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Virgin Atlantic, United Airlines, Swiss International Air Lines, Lufthansa, and JetBlue said in December that they would start accepting a digital health pass called CommonPass as proof of a negative COVID-19 test.

From Microsoft, Oracle, others team up to create vaccination passports – Business Insider:

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The Era of Government-Friendly Bitcoin Miners Is Here

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Two of the largest Bitcoin mining companies in North America, Marathon Patent Inc. and DMG Blockchain Solutions Inc., recently joined forces to create the Digital Currency Miners of North America (DCMNA) nonprofit trade group, the first North American mining pool with a legal entity. Together, they’re pledging to only process transactions that comply with American laws.

From The Era of Government-Friendly Bitcoin Miners Is Here:

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