2022年7月8日

由罗宾Arnfield 08年7月,2022年,11:19点。美国东部时间5分钟阅读现在注册加拿大银行和该国Interac借网络行动,积极参与国家的数字ID与电信公司和科技公司合作,促进互操作性,从而减少欺诈行为。能够验证客户身份数字至关重要,当加拿大金融机构在2023年推出实时铁路即时支付服务,在未来几年内,开放银行业。数字ID是指联邦的识别,利用多种渠道和形式是灵活的和可重用的。它比静态的更适合数字支付形式的身份验证用户名和密码等。这使得数字ID的值在打击欺诈,在加拿大已经上升由于流感大流行期间在线交易的增长。2021年,有30849例9666年身份欺诈和诈骗涉及个人信息,根据加拿大反欺诈中心。政府支持的欺诈报告收到104295总欺诈报告涉及CA 3.79亿年报告损失2021美元,高于46465年欺诈报告和CA 2019年报道的9616万美元的损失。大流行之前,加拿大最大的金融机构已经参与开发数字ID服务与多伦多SecureKey技术。2016年,中国五大银行——蒙特利尔银行、加拿大帝国商业银行、加拿大皇家银行、加拿大丰业银行(加拿大丰业银行)和多伦多道明银行,信用合作社集团德斯贾丁斯SecureKey投资者,发展blockchain-based联合数字ID验证平台。2019年5月,SecureKey启动验证。Me , a Canadian digital ID network that uses customers’ encrypted personal information drawn from multiple databases along with their banking login credentials to verify their identity. Verified.Me users must provide consent for their personal and credit information to be shared with third-parties, and no personal information is stored by Verified.Me. Canada’s top five banks and Desjardins use Verified.Me to vet the identities of customers applying for bank accounts and loans from them. They also enable customers to use their banking login credentials to access services from organizations participating in Verified.Me such as investing, health care, notarizing legal documents, and real estate. In addition to banks, Verified.Me’s partners include Equifax, which checks for fraud on applicants’ financial accounts; Onfido, which checks the legitimacy of photo ID documents uploaded to Verified.Me; and EnStream, a telco industry joint venture which ensures consumers’ cell phone accounts haven’t been hacked. In October 2021, Interac, which operates Canada’s debit and ATM networks as well as the Interac e-Transfer payments service, bought the Canadian rights to Verified.Me. Interac aims to sign up the 300 financial institutions participating in its payments networks to act as credential providers for Verified.Me so it can act as a nationwide digital ID scheme, said Neil Butters, Interac’s vice president of digital ID product. “We’re building an ID network that is intended to become a utility for Canadians, giving them confidence to transact in the digital economy,” said Butters. “Interac’s goal for Verified.Me is to be as ubiquitous as possible. We’re looking at the applicability of Verified.Me for open banking and the Real-Time Rail.” The Large Credit Union Coalition, which represents Canada’s largest credit unions, is creating a credit union system node on Verified.Me, said Atul Varde, chief information and payments officer at Edmonton, Alberta-based Servus Credit Union. “Servus is actively involved in this process and is one of the first implementers,” he said. “Once this node is functional, Servus members could use their digital banking credentials to access services from Verified.Me's relying parties. For example, Servus members could apply for Internet connections more easily and securely from telcos if they use digital ID data from Servus to process their application.”