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hello and welcome everyone to today's webinar identity on a mobile device healthcare banking and transportation payment use cases my name is Randi Vanderhoff I'm the executive director of the secure technology alliance and I'll be serving as today's moderator this webinar is being brought to you by the secure technology alliance and by the identity council and we thank you for your participation today a couple of quick notes before we begin the webinar is being recorded and attendees will receive a follow-up email after the webinar which will include a link to be able to access the recording and the presentation we invite you and encourage you to share that link and information to your work colleagues and associates so that others who didn't get an opportunity to participate today will have an opportunity to hear and view the presentation that you're about to participate in also GoToWebinar has a what question submission feature on the webinar presentation page and we encourage you to submit your questions during the webinar so that we can organize them in advance before we get started on the Q&A at the end the more opportunity we have to receive your questions in advance and assort them for the appropriate speaker the more questions we can get to during the session we can move to the next slide please so let me didn't make a short introduction of our guest presenters following me today will be Tom Lockwood who is the senior associate of business development at next-gen ID and an experienced industry veteran in the identity and security market Tom is also a board member of the Alliance and currently chairs the identity Council joining Tom today we have Jeffrey Fontaine who is director of health care at a Ingenico group and an experienced business development professional with leading health information technology providers next we'll have Judy cater who is director of sales and business development that secured key technologies Oh provider of identity management technologies and services both in the US and Canada and concluding we'll have Jerry Kane who is senior program manager for septa to Southeast Pennsylvania transportation agency and he's responsible for fair policy and payments jerry is also the chair of the secure technology Alliance Transportation Council so if we can move to the next slide please for those of you who are joining the webinar today and who are not familiar with the secure technology Alliance we're not prop non-for-profit multi industry association working to stimulate the understanding adoption and widespread application of secure solutions prior to our recent name change we were the secure or the smart card alliance but we've now broadened our mission to cover an additional array of security solutions the Alliance provides the collaborative member driven environment to perform education and information awareness about how smart cards that embedded chip technology and other related hardware and software can be adopted across the markets today as you can see on the right side the focus of our organization cuts across many different technologies and vertical markets today as a matter of fact our webinar is going to be touching on a number of these focused areas including authentication healthcare Identity Management mobile payments as well as transportation and as an organization some of the services that we provide include bringing together the stakeholders to effectively collaborate and promote secured solution technology and addressing industry challenges and we do so by publishing white papers webinars like today workshops newsletters position papers and other web content for consumption by the industry we also run conferences and events to focus on specific markets and technology and offer education programs training and certifications to improve the professional development of the workers in our industry as part of the organization we provide networking opportunities for professionals to share their idea and knowledge and we produce some strong community industry communications through our public relations resources website and social media to communicate our messages out to a broader audience we can go to the next slide I like to focus more specifically on one of those industry workgroups that help the sponsoring today's webinar that is the identity council and the identity council serves as a focal point for the Alliance's identity and identity related efforts leveraging embedded chip technology and privacy and security enhancing software the right side box there shows some of the council resources that this organization has published and contributed to the market in recent years and as you can see by the breadth and depth of the topics that are covered there we provide a broad view of how identity and identity technologies work together in a changing digital economy so if we could move to the next slide I'm going to hand over to Tom Lockwood who's going to give us a brief update on the mobile identity landscape assessment and I'll return at the end when we go through the question and answer session so Tom thank you Randy good afternoon thank you very much for joining us we know that there's a lot of competition for your time we appreciate your investment in today's discussion next slide one discussion of identity many of us thought of that identity being monolithic and tied to a product a driver's license a birth certificate a employee credential well that's really changing now we're talking about identity break being broken up to smaller pieces and identity is really moved and to become a horizontal element cutting across all of the different segments and markets so some of the trends that we're seeing right now I just want to go through what's happening because there's multiple events happening within the identity area at once so many people started experiencing services through in-person transactions and then later on through desktop and mobile and kiosk and machines this is blending to become much more complementary rather than in competition so around people's preferences quality of life quality of service what they're doing is they're really looking at maybe I want don't want to go in person maybe what I really want to do is use a machine whether that's an ATM or whether that's doing Banking for home but what we see within this blending that's occurring is it's really a choice and a preference and the other piece of this is that mobile and kiosks certainly are expanding and that's part of the focus of the council certainly privacy is a huge issue it will become more so as more public and private information becomes available for identity proofing there's significant changes for in-person proofing where whereas people used to attend in person or have to to go to an area in person that's all changing as we're looking at the backend it's becoming much more automated we're applying machine learning and that's another piece that we need to consider and understand as we go forward biometrics are certainly changing now what we're seeing is a shift in multiple biometrics being used for example in the near future you're going to see products from Google that combine say for example images with voice or images with other objects we as we walk through we see distributed ledger technology we see a blurring between physical and digital securities so as we start to look at items continuous data monitoring as we start walking through and seeing things like non person entities and pease those identities we start thinking about smart cities and internet security of things we also see when we talk to our partners over in document Security Alliance that really we're starting to see much more digital identity and identifiers moving into physical documents like we will continue to use driver's licenses and passports but you're already seeing the integration of chips as we continue to walk through again zero trust model models that are occurring and again modularization of identity services where people are looking at pieces of things that used to be bundled so again we're looking for things that are tangible that a real market-based and again things that can make a difference this we're not really looking at academic work next slide please the problem that we're faced with in the mobile space is a number of inconsistent approaches it's the Wild West so one of the things we're looking at is how do we become much more consistent how do we provide more consistency both in expectations and design-build and again better user experience again the resources we have available or is our community at large and then not only for the Alliance members but all of the other parts of our communities the different associations and again the different groups that are out there the target audience again is everyone from the ID community in general to those that are really relying parties and consuming those products and services as we look through again our goals are a much better experience providing best practices providing content to stos next slide please so our approach it's a broad overview what we wanted to take is a collaborative approach where we're dealing with other communities instead of dealing with one organizational perspective how do we deal with different councils within the Alliance different associations that really are leaders for a particular area and you'll see that in today's discussions we want to really leverage the opportunity of community lead community identified use cases so if the airport's Association says this is their priority goal the Transportation Council or the Health Council again this is the perspective from from seasoned veterans that are working in those commitment goes communities to see what's the goal or the trend as we continue to walk through we tried to use common templates to make it simple to convey information so that we could really understand at the end of the day what are the key trends where is there convergence where there's conflicts where there's synergies where there's some gaps so through today's webinar what we ask you to do is to consider what you see today if you'd like to participate if you have additional questions please feel free to you know come back to any of the presenters here if you'd like to participate we welcome you on board next slide this is the third of the webinar series and webinar number one we started really off with an in-person proofing in one case it would be through Amba again these are all the DMV's across the United States and Canada of how they would do in-person proofing and created a mobile driver's license the other piece of this is the derived credential being looked at the federal government this is a high assurance architecture so we have two different architectural approaches webinar two what we said is now that you have the trusted identity how is that being consumed for physical and logical applications in webinar 3 today what we start looking at is different community use cases okay and you'll see that there's different challenges different priorities as we walk through the communities webinar four will really look at mobile devices as in a blurs and then webinar five will tie it back into the backend integration okay so we're going to start from the beginning and end it with the back end so we encourage you to think and participate within the other webinars next slide please with that I want to thank you all and again appreciate your time and I hand it over to Jeff Jeff thanks Tom you know let me let me get begin by thanking everyone on the call for joining us today and I'm going to take the next few minutes to talk about a use case with real potential in the health care market so patient identity has really been a much discussed topic in healthcare particularly in the last several years has a vast majority of hospitals and health care providers moved to electronic medical records in fact just a few years back chime which is an organization made up of health care CIOs listed it as a top priority and they sought to identify some unique solutions in the market through a challenge and also many you know third-party consulting organizations have listed patient identity as an ongoing top concern for health care CIOs and it isn't just health care CIOs it also it also is an issue within our federal government specifically Medicare and they certainly recognize that significant fraud is occurring every day as a result of improper patient identity in fact just last week the government took the first step toward potentially solving the Medicare identity issues with Congress passing House Resolution 66 90 a bill that's entitled fighting fraud to protect care for seniors you know this bill is designed really to solve for the more than 60 billion dollars an estimated fraud that occurs in the system as a result of identity issues it's really a monumental first step and those of us that are in the health care industry are really excited about the future opportunity that this bill represents we certainly hope that the Senate will pass the bill and present it to the president for signature in the next few months so before I really dig into some of the detail I'd like to take a brief poll of the audience to stimulate your thinking around patient identity so Kathy let's let's move to the poll so the poll question really asks you what kind of identity form would you prefer to use in a health care setting and there's multiple options here from which to select from so we're going to give you a few seconds to to make a choice and we'll come right back to you well thanks everyone who answered the poll question you know really some some interesting feedback there so now let me let's move to the next slide Kathy so let's take it just a couple minutes you know to frame out the patient identity challenge that's really facing health care providers and I always like to start by challenging you to really start to think about this issue and think about it in the context of your last healthcare experience so what was the identity process like how was that particular experience for you you know were you confident that all the information was gathered correctly and correctly correlated to your patient record fortunately or or maybe unfortunately I had a healthcare experience just this past week in a Dallas area hospital my mom was having a routine scheduled procedure which really allowed me to see firsthand the identity experience and truthfully I came away just as troubled as I had been before and it really reinforced some of the challenges that I've experienced and noted so let's talk a little bit about those challenges well I personally would really advocate that it boils down to one simple matter and that's that you are who you say you are and the provider knows it so think about that statement for a second you are who you say you are in the provider knows it so how do health care providers really know how do they authenticate that identity how do they ensure the medical record they are referencing is really your medical record how do they capture proper payment for services based on the identity information they collect you know these are just a sampling of the difficult questions facing health care providers as it relates to identity next slide please so in the previous slide we showed you an image that was depicting James Smith and Sarah Rodriguez this is a very real-world example of the identity challenge so consider for a second duplicate records in the context of James Smith you know a patient register may have hundreds of a record hundreds of records associated with a James Smith which is you know very common name but it's also James Smith has previously presented himself as Jim Smith maybe Jimmy Smith possibly James Allen Smith possibly James Naismith etc etc you know this is the very real problem for health care providers and then if you extrapolate that problem across multiple points of care rights to think about physician practices specialists ER inpatient admissions outpatient admissions health systems with many hospitals and geographic location on and on and on right so if you can visualize James Smith in that context you start to get a feel for the problem this has a real mpact to health care providers for multiple perspectives you know first and I argue most important patient safety can be compromised you know having a complete record or what I refer to as a single source of truth about change Smith and his healthcare may mean knowing the difference between a drug with an allergy for James and one without it may mean the difference of having a lab result that exposed certain issues from a previous visit very real impacts on the patient you know second it's about capturing the patient's financial responsibility and that's really dependent upon having the right record and the correct information about the identity I mean you know let's face it right health care providers need to be compensated for the services they provide and they need access to the right information to properly collect a medical identity theft is a certainly another real issue you know and it faces the provider as well as faces the patient you know breaches will expose medical information certainly private identity information and that's that's creating real issues you know providers can fix the breach providers may pay a fine but patients oftentimes can be in the dark about how their identity is being used tomorrow the next day you know by these thieves and then finally I've already already spoken about House Resolution 66 90 and the government's recognition that fraud in the system occurs each and every day and it's costing all of us as taxpayers so I will say myself and others in the industry we really look forward to the day where a system and a process can be built to solve for many of these challenges next slide so now briefly want to cover what is being said and done to potentially fix the issue so in this slide I'm showing how the office of National Coordination or the ONC which is a federal government entity has looked at solving for the patient identity problem at a high level so on the next slide I will give you an example use case for how one company is addressing the challenge but here I wanted to show how the ONC has laid out a framework as a means to demonstrate an approach or a system a set of processes for identifying a patient proofing that identity and then really enabling the patient to control their identity wherever it is they seek care and so a couple of key points I'd like to share so first you know the concept of proofing that identity is truly critical it needs to be done at a deterministic level you know this gets back to the idea that you are who you say you are and that can be determined systematic process second that you know a set of credentials could be established right so a set of potential tokens could be established allowing you to authenticate your identity with each future visit or potentially to authorize the release of information about your healthcare next slide please so certainly there's you know different types of solutions that are available in the market today and quite frankly I would expect more to come to the market in the near future but I wanted to share you know an example from a company that is commercialized and deployed a strong patient identity offering and so Amy buy life net ID really does solve for many of the challenges that have already talked about facing healthcare providers you know and it does so in such a way that a healthcare provider can accept multiple forms of identity including mobile and then subsequently allow the authentication process once the patient has been proved and so let me dig in a bit more there next slide please so I mentioned mobile and I want to take just a minute to talk a bit more about that and really talk about how an identity can be generated how it could be displayed receives authenticated you know if we think back to that poll question one of the options was a mobile wallet whereby a patient could leverage their smartphone to complete a registration process really in any healthcare provider that's a visionary statement right but let's remember that wasn't the only option in the poll and this is really hugely critical from a healthcare perspective identity shouldn't solely rely on just one form mobile really cannot be the only way no from my perspective patience will have different types of preferences they simply might lack technology and I hate to go back to my my mom as an example but my mom is not an owner of a smartphone so if she was presenting to a hospital with her identity she would want to do so in a different way and so we really think that we need to solve for the challenges in multiple forms it might be smart cards there may be biometrics mobile wallets and I'm certain there's probably a few that that I haven't even given thought of yet but I think the most important thing is just to be cognizant to the entire healthcare market from elderly patients to Millennials to parents of children there's so many different types of people in so many different ways that they may want to self-identify mobile may certainly be a leading way right to deploy smart identity technology but it's got to be coupled with other forms in order to permeate the market and really solve for these increasing challenges we face as patients and health care providers face in the process of delivering care so I want to thank you for the time thank you for the opportunity to cover this vertical use case and now I'd like to introduce our next speaker Judy cater who will talk about the banking industry in a teas case Judy Judy you may be on can hear your volume Judy hi sorry I think I saw problem sorry about that okay you can go to the next slide okay so banks have been facing some big challenges for many years now people around the world certainly are expecting to be able to access services digitally with growing competition increased fraud and consumer trust issues the banks have been looking for ways to solve these challenges payment transactions and the way consumers do business are evolving and banks are looking for more ways to better serve their customers as well as acquiring new customers digitally today I'm going to talk a little bit about the challenges facing the industry and a new digital identity network that's launching in Canada called verified me with the banks of the centre also talked about some of the initial and future use cases financial institutions and others are exploring next slide in Canada the banks started with authentication a big challenge for many organizations including the Canadian federal government was authenticating citizens that need access to government services since citizens tend to only log on once or twice a year for these services username and password fatigue is extremely high in partnership with security the concierge service was launched with the Canadian federal government so when a Canadian citizen wishes to get government services online they now have an option to use a government ID or utilize their existing bank logon to access services through a federated model the service grew tremendously and currently has a millions of users and all the major banks participating however even though authentication is a great way to add value the challenge of onboarding and verifying a customer is who they say they are before you can grant access still remain a challenge not only with government services but even within the banks wishing to provide services to their own customers next slide so after the the concierge the banks invested in security to develop a digital identity network aimed at solving many of these challenges next slide the bank saw a way to play a big role in solving these challenges by working with an ecosystem of partners that could work together to reduce customer friction and fraud they see an opportunity to leverage an ecosystem for also provides the unique data and capabilities each organization has about its customers while putting the consumer in control that one organization can solve the identity challenge next slide they believe the ecosystem will help close the gaps and add value to their customers by removing barriers to account opening offering customer service with less frictions and allowing consumers to leverage the assets the bank already has about them in a wide range of youth cases they see it as a win-win next slide at during the development of the ecosystem were concerns around how to meet privacy and regulatory requirements some of the key requirements for the network needed to include resiliency against denial of service attacks no added honey pots of data the system shouldn't store any identity information puts the user back in control to see what information is being requested with a strong consent model throughout triple blind privacy so data providers and data consumers are blinded from each other and the broker cannot observe the data and it should be built on industry standards and to meet regulatory requirements next slide in order to help solve the identity challenge you need high assurance by combining multiple factors and ID claims to include what I know what I have and what I am while putting the consumer in control of their own identity the consumer will now have the ability to share what when and where they want with the banks at the core of the system there is already an established trust with consumers the banks see the ecosystem as a way to leverage the power and capabilities that multiple asset providers have about a consumer putting the consumer in the middle a consumer now has the ability to utilize these assets to more easily conduct transactions online and providers will have stronger assurance in verifying identity banks can get much stronger identity validation through other assertions such as device information from a telco credit information background checks government ID biometric verification and others as more providers are added into the network the consumer can now provide all the information requested during a transaction and complete payment in one easy frictionless way through their mobile app or on the web next slide in Canada the banks are the identity anchor into the network the consumer will set up their verified meet profile by first obtaining their digital assets from their bank additional assets can then be obtained from various other providers and cross verification achieved the consumer can utilize these assets for a wide range of online transactions in the bank can provide data assets and payment for a seamless transaction for example a consumer can verify their identity and complete payment when renting an apartment opening a telco account buying or renting a car conducting government services online retail purchases in many other use cases the power of the ecosystem and use cases are endless next slide the bank's also wish to be a consumer of the service for stronger identity verification for use cases such as online account opening loans and credit card approval self-service onboarding and call center integration they see the network of the way to improve the onboarding experience for account opening and across product lines the naval self-service and shift to automated channels leverage data from other partners to provide better customer offerings and leverage assets they already have and obtain ones they don't in the following I'll cover a couple of use cases from a financial institution perspective next slide so this next demo is an example of a credit card signup at this time it can be difficult and an expensive process currently there's high drop-off rates for existing ID verification methods I don't know about you but I can never seem to pass my own ko hi-c test that seems to be the root of okay we're getting verified online so having the ability to leverage the network helps to streamline and reduce costs for the bank and provides a much simpler process for the consumer so this example is going to show a transaction through a PC but it could also be on a mobile device so Kathy if you want to go ahead and click the link okay so again this would be an example of somebody on a PC they're going to apply for a card now in this sentence they're going to have the option whether or not they want to do it the old-fashioned way or they would open up an account with verified me so have you click on that link and if somebody already have a verified me profile this process actually could go much quicker than we're going to step through here is if you have a verified me profile that the consumer can actually just scan a QR code and all of the data will get passed automatically in this instance we're going to assume they don't have one so they'll click on the verified me app link they're going to get brought to authenticate with their existing bank to click on that and here's where they'll sign in with their existing credentials and this will establish their verified me profile with their basic bank information for this particular transaction now the user needs to also provide their credit profile so they'll click to agree to the terms and conditions and then click continue which will then pass the data to their credit agency for cross verification and they'll just agree to get their credit profile into their verified me app click continue and at any time then they'll also be able to review the information so if you click on review for credit profile you can actually see the data that's passed back confirm it and again there's strong consent throughout so then the user will authorize and the application will actually be complete so that's just an example of the PC experience for a credit card signup we go to the next slide this next use case is from another financial institution Sun Life Sun Life immediately saw the benefit of the service helped solve some of their challenges and provide benefit into the network Sun Life would like to better serve their customers through self-serve channels which is currently a difficult process they wish to make the online portal registration easier reduce the cost within their call center and eliminate password resets so on the next slide there's just a short video the Kathy if you want to go to the next slide and you can click on the video so this demo shows the self-serve registration flow using verified me which previously this process to take up to seven days so within the sunlight app which in this instance is just coined moon life here a user will now have a choice to use verified me to sign up or still sign in manually so on the next screen you'll see some life also has a request for phone verification in addition to the base bank profile in order to link their account so the users phone number and sim against the device is being verified the information is verified at Sun Life and their account is linked and the user now has access to the portal to go to the next slide so this is just an example now last one of showing a call center integration so a major theme we hear from many organizations is around how to verify the identity of the person on the other end the process can be frustrating for the consumer and call center agent getting asked any of these questions when they first call in and then all through the process even once they get the agent online so this demo illustrates using your verified me profile when calling into a call center a user calls in to the call center and is asked and enter their mobile number a link is sent to the user the user clicks the link that initiates verified me and the user can start the process they authenticate with their bank and can now use verified me to send their information to the call center within the app they can review the information that will be shared with the call center then the user can consent and share the data will be received by the call center the inner into the call center software so it can automatically pull up the caller's information and any previous records hopefully now the user no longer has to have a lengthy verification process before the call and once reach the call center region so the next slide just in summary financial institutions are very keen to utilize the ecosystem as an asset provider and consumer for the entire customer lifecycle starting with onboarding account registration self-service authentication payment transaction verification and account aintenance thank you and I now turn it over to Jerry kings and success thanks very much hello everyone thanks for joining the webinar transportation is another sector which many opportunities are there for mobile it's really to employee mobile together with traditional roles of payments and travel planning public transit specifically is well-positioned to layer on mobile ID in view of the many contact with ticketing systems and operation which are based on near field communication the standard space proximity technology which in principle is compatible with a growing number of smartphones so I'll show how NFC and mobile ID could layer on into the transportation sector or show a few use cases how it looks across a metropolitan area or a city and then present some challenges on how that we do have a poll question I would like to put up if we could do that so in the US and many other countries transportation is divided among many different levels I was just curious where you see organizations leading the way from mobile ID and transportation so we'll take a minute for that to come in interesting I my own feeling and there's no right answer to this obviously but I believe public-private partnerships and and smart cities might be the leading areas for thus type of initiative it's not completely highly visible right now in transit but I do see these areas as being on the leading edge of how mobile idea might get implemented next slide so what is the value of mobile identity in public transit you know it can enable operators to become more efficient by changing the traditional way fare media is issued and how credentials are stored and retrieved when presenting fare media for travel austell NFC enabled mobile ID could require strong identification to prevent misuse and digital fraud and reduce the level of fraud who currently issue traditional ID cards and media can also link the riders ID to an agency's fare tariff and apply the appropriate rate based on the rider straights age and social service needs most transit agencies are challenged to issue and manage special needs fare media including students retirees seniors and disabled and many other programs corporate tax being one of them all of these have a costly and time-consuming burden for for issuing media my own agency in Philadelphia still issuing a contactless senior card I think we're up to about a hundred thousand individuals who now had to be processed to get a picture of senior ID contactless card next slide so transit operators in major cities are operating many types of electronic ticketing systems with complex systems are moving to NFC contactless barcode payments and more recently mobile wallets although most agencies issue an agency cards mobile phones are seen as a much more robust way of performing a variety of travel Auctions in addition to fair payment the industry is also moving toward an open payment platform the acceptance of bank issued contactless cards so in this context mobile identity serves I think as a logical progression to link an account to enable riders to access prices schedules and mapping it relates a plan book and pay for travel the industry has about 6700 agencies in the US with about 10 billion in revenue a lot of that revenue is paid in cash so agencies are looking at the new technology really to reduce the cash burden and make all the as many transactions as possible electronic next slide so for use cases we can look at riders who qualify for certain benefits of discounts that traditionally require registration at an agency's office or online application with mobile ID operators online platform could be personal data from a contactless electronic identity conversely the rider could download a mobile application to a mobile device and here the customers new account could be activated right away instead of the time-consuming process we have today so for someone that's qualified for pre-tax benefits they could bypass the traditional way of doing this and use their phone for tapping and writing a seamless approach could use primary tenets identity that interfaces with an NFC enabled phone and there'd be no need for agency cross-check before activating the account because it's a known identity next night so here I see mobile identifying a pool of other NFC platforms to help us with this identity Identity Management really becomes art building the NFC platform in order to realize seamless travel in a city or metropolitan area today travelers must navigate travel services separately and without the ability to coordinate payment transfers in a way finding a patron that has an NFC car to ride transit for example would also need a credential for bike sharing you may have that ID for the bike sharing but there's no way to pay for that part of the trip so what we've really built in cities and metropolitan areas are really a series of stovepipes where it's all individual a la carte for how you pay book and travel for planning a CI day management as another tool to overcome the non seamlessness that we navigate in cities and really really furthers the goal of multi payments as you go to a city or metropolitan area next slide please so of course building and operating a mobile platform like this with mobile identity and coordinating many travel services faces a number of steep challenges unlike large payment brands there's not a unifying framework to provide back-office integration of the key stakeholders and data management systems to unify so unify the underlying accounts in addition a unified platform requires coordination among many operators and there be be competition for information and data generated and finally systems integration faces complex legacy technologies along with data security and overall lack of industry standards so certainly in summing up that the concept of mobile device to meet the legal and technical requirements of linking identity with travel is a great opportunity if the solutions can deliver an integrated gaming system along with field performance required bye-bye travelers so thanks very much for joining the webinar that concludes my remarks I think I'm going to hand it back to Randi now yes Jerry thank you very much also thank you also June Judy and and Jeff for your great presentations today we've got a few more minutes before we end today's webinar to take some questions folks have been submitting questions online but if you haven't submitted a question yet please do so now the first question I'm going to go back to to jeff Fontaine on the healthcare use case and question is doesn't HIPAA provide standards to protect patient identity information you know generally speaking it certainly does however I think the application of it is is the area of concern particularly when we think about breaches and the medical information that's exposed in those breaches so there's that there's a motivation I think on behalf of health care providers to follow HIPAA standards I think where we're looking to solve for the the challenges I discussed are in how we really secure that identity and limits the potential impact but also furthermore kind of gives more control to the patient than I think they currently have today thanks Jeff there's another question for you is there a trend to centrally locate electronic health records no trend I'm not sure that would be the the right word you know I'll say this when we think about centrally located the the EHR that's certainly happening at a system level so what I mean by that as a health system there's companies out there that are helping hospitals consolidate their infrastructure and and locate that that medical information centrally I think what the challenge is is the word emperor interoperability so the ability for the different EHR systems to speak to one another to share meaningful data allow patients to access that million 'fl data and then to share that meaningful data with their respective providers that they choose to visit so I think the real issue or trend in healthcare is how do we solve for the interoperability challenges that are present in in what I call a capitalistic market thank you Jeff this next question is for Judy with regard to the banking use case what is the industry doing to weed out artificial or synthetic identities so that these fake identities don't spread to uses in accessing non-bank services sure I think that you know as far as the ecosystem goes you know there's already established identity with the existing partners the partners are sharing the identity information you know with the consent of the user so there's a level of cross verification that's taking place and so you know there's a lot of discussion within the the network on the governance of that and and you know how to prevent that from coming about but really the power of it is that you're already utilizing existing credentials ok another question for you Judy you spoke about the Canadian experience are any banks looking at cross-border initiatives using verified by me yeah actually you know as a matter of fact there's been a POC and I believe some of the the signings on that will be published shortly you know obviously crossing for a number of challenges with different regulations in various countries but there is strong interest in enabling you know that ability to open accounts and digitally across borders right so you know there's a number of use cases where an individual may need a bank account in another country such as you know if they're purchasing real estate as an example or have a child attending college overseas so you know the the ecosystem approaches is helping to bridge those gaps and and I think some of the banks are Avena certainly looking to test that out and then there's also initiatives even with a digital network you know within the US in other locations okay here's another question for you regarding the bank use case Judy should authentication be monetized or is it truly a function necessary to protect the citizen from the actions of criminals or bad people so I think that there's you know there's authentication and there's identity verification right so I'm not sure exactly if the question is focused solely on authentication or the identity verification right but you know I think that certainly the thought around the network is that it will not be a strong barrier it will be a free you know item for consumer needing to use a service you know and then for people that want to consume the data you know they would they would pay to be able to get that strong identity verification and then you're utilizing you know existing authentication channels that already exist within the bank thank you this question is for Gerry our third use case around transportation why would I as user want to turn over my personal information to a transit operator what benefit is there to me I think that really dwells within a convenience factor and will take you know many non-traditional rider cases either you qualify for you know a diol ride service or you're a senior citizen and today the application process is a little bit cumbersome but if you are using a I'm saying if you're using a an electronic ID to transfer that application to the authority you're not really compromising anything you haven't you've already set that already so I see it is more for a convenience factor you would not necessarily have to do that if you choose to not use the electronic way of doing that and it may not be the Transit Authority that's accepting that credential it could be a third party that's coordinating a range of services within a metropolitan area and I'm I think we're probably not as advanced as an industry as banking and healthcare I think mobile identity is kind of still making its way through on another way to to act as a credential to ride and travel so yeah I think it could could be one or the other if you didn't choose to do that you would still be qualified to take the service great and I think we have time for one more question and for you again Jerry what are your thoughts about using a state-based mobile identity solution perhaps on mobile driver's license for a city transportation service is that that I see and I know there's a number of states that's around fronts in the US with that but to me that would be the anchor for any type of mode identity solution because I'm not really familiar with other electronic forms of identification that that a transit agency or a service provider could leverage in order to make that into the suite of their media types that could be used to travel so I'm hopeful I think that these few states I think there's a handful of states in the country right now Iowa Colorado Idaho Maryland and a few others that are making this initiative so they're really the the cornerstone for how electronic ID would be leveraged maybe in the transit or the non auto driving space excellent well thank you very much all of you for their presentations and your responses to the questions that receive today if we could go to the next slide just before I let you folks go for the day there is a number of resources available if you're interested in this topic around identity that the Sakura technology Alliance has available in addition to the previous webinar that Tom mentioned at the top of the session the not the script technology Alliance knowledge center has a large number of documents that are available for free to participate in this also wanted to make you aware of a conference that's going to be held in the Washington DC area on December 4th and fix called securing digital ID 2018 and at that event we're going to break down some of the real difficulties associated with identity identity proofing and authentication and then look at how some of the current technologies on the market are responding to both the strengths as well as some of the weaknesses that will be discussed in the current state of a digital identity in the u.s. the last slide is that contact information for all of us who participated as presenters today if you have any follow-up questions you can send them directly to any one of these team members and they'd be happy to help you with getting answers to those questions or you can send them to info at secure technology Alliance or secure tech Alliance org and we can get those answered by other members of the security ecology Alliance if it's different from the people that were part of today's webinar also remember that this webinar has been recorded and it will be made available to you as well as the presentations shortly so please look out for a email communication from secure technology alliance with that link and I want to thank you all for your participation today we certainly enjoyed having you and thank you panelists for contributing your time and and knowledge to help address this very important issue enjoy the rest of your day thank you everybody