The government have published plans designed to enable the production of a single digital identity for everyone, for the purposes of providing ID verification for activities such as buying alcohol through to purchasing a home.
A consultation will seek input on three key questions
- the governance system to oversee digital identity and and make sure organisations comply with the rules
- how to allow trusted organisations to make digital checks against authoritative government-held data
- establishing the legal validity of digital identities, so people are confident they are as good as physical documents like passports or bank statements.
A digital identity would create greater certainty that the person you are dealing with is who they say they are and reduce identity fraud. 220,000 cases of personal data abuse and impersonation were recorded in 2019. Using technology, which can take a number of forms such as a phone app or other web-based service, is considered to have many advantages over the current largely paper-based system.
Adopting one digital identity would negate the need to conduct multiple ID checks throughout, for example, a conveyancing transaction where currently an individual is required to be verified for money laundering purposes by a mortgage broker, a lender, an estate agent and a conveyancer.
A project is already underway in the property sector designed to create a standard against which ID providers can be accredited. MyIdentity is a sector supported project to develop a digital identity trust scheme for the home buying and selling sector, aligned to the eventual UK Digital Identity and Attributes Trust Framework that is being development by the Department for Digital, Culture, Media and Sport (DCMS). The development of the Scheme will allow the digital identity of a home buyer/seller to be verified once and then be shared with consent by the consumer throughout the rest of the sales transaction, with all those who need to verify the identity of the consumer.
“This is a really positive move forward by the DCMS as the adoption of digital identity standards comes closer to reality. The importance of standards can not be underestimated when you read about recent reports of AML failure caused by a third party ID checker.
Users of third-party identity checkers need to know that these checkers are doing what they are meant to be doing and to a set of recognised and adopted standards. The DCMS Framework is working to set these standards which will be reflected in the digital identity trust scheme for the home buying and selling sector, known as MyIdentity (www.myidentity.org.uk).
For the consumer they should only have to prove who they are once within the process enabling them to share their identity credentials and this can only be achieved through a set of standards helping to build ‘trust’ into the process.” said Stuart Young MD of Etive who are spearheading the project.
Digital identity will widen access to legally valid forms of identification for people who currently find it difficult to prove something about themselves. For example, if someone does not have access to an official document, such as a passport, they may be able to prove their identity digitally through another government service, or other means such as a vouch from a doctor or other trustworthy source.
The consultation sets out how the government can build confidence in digital IDs so they have a similar status in law as physical proofs of identity that businesses and individuals already trust and includes proposals for a governing body charged with making sure organisations follow government rules, developed with industry and published in draft form earlier this year, that allow digital identity companies to prove they adhere to the highest standards of security and privacy.
The body – which could be housed within an existing regulator – would have powers to issue an easily recognised trustmark to digital identity firms which certifies that people’s data will be handled in a safe and consistent way. It will work with organisations to take proactive action to prevent and enable the detection of fraud and security incidents, as well as encouraging inclusion.
The consultation is open to any member of the public and closes on 13 September.
With thanks to Todays Conveyancer. The full story is here: https://www.todaysconveyancer.co.uk/main-news/single-digital-id-a-step-closer/
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