Hi all

here is a press release from 2002 about a Finnish Visa electron EMV card
with Finnish government issued certificate for public e id.  These cards are
now on the market.

http://www.vaestorekisterikeskus.fi/vrk/bulletin.nsf/PFBD/6BAD13682FF44383C2
256CCB004CBF6F?opendocument

Regards

Pekka Honkanen


-----Alkuperäinen viesti-----
Lähettäjä: Anders Rundgren [mailto:[EMAIL PROTECTED] 
Lähetetty: 13. maaliskuuta 2004 18:09
Vastaanottaja: internet-payments
Aihe: A combined EMV and ID card

A combined EMV and ID card
----------------------------------

In Sweden banks are gearing up (in "bank-speed"...) for
issuing combined EMV and ID-cards.  The reason behind that
is to reuse the card infrastructure as well as due to the fact
that banks already are ID-issuers.  This system apparently
already exists in Norway although not in electronic form yet.

Technically I see no difficulties with this, but my (open) question
is if this should be considered as a short-term "fix" or a viable
long-term scheme even on a global scale.

Personally I have some problems with mixing an "account" which
is a potentially sharable resource, with an "ID" which is not legal
to share with others, as well as a nuisance to be without.  That is, if
I let my kids pay for something on the Internet, I will using a "combo"
card give them a "passport" to possibly a myriad of other things as
well.  To have different PIN-codes may be a possibility but most
people don't appreciate multiple PIN-codes.  I am one of them :-)

Currently this is "theory" as EMV on the Internet is still mostly
a dream.  ID on the other hand is for real.

Regarding Internet-payments, it seems that you long-term, rather
would give other valid [and properly authenticated] users of an
account, an "entitlement" to perform certain payments using
3D Secure-like schemes instead of requesting credit cards for your
kids (or employees).  Because then, You, the account owner can
administer and monitor account sharing yourself in the on-line bank
holding the account.  Probably, banks will find this idea slightly
"challenging", but it is indeed a logical next step.

It looks to me that the need for secure IDs is much bigger than
the need for secure "payment-tokens" if we restrict the scope to
Internet-payments.

Just my 0.2 EUR

Anders Rundgren
Consultant, PKI & e-Business
+46 70 - 627 74 37

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