A Universal Solution to Identity Fraud ClaimOnceID (or ClaimOnce) details how remarkably simple it can be for any nation to completely and proactively rid itself of the insidious effects of identity theft – with a groundbreaking, “thinking outside the box” solution that is easy to implement, nonintrusive, intrinsically secure, and totally protective of one’s privacy – and one that requires nothing of individuals in the way of new ID numbers, cards, biometrics, block chain, or any other vehicle other than web access.
The solution is based on an exceptionally simple scheme that starts with the proactive protection of one’s government issued National ID Number (e.g. Social Security #) for a lifetime and beyond. For many countries, this alone would likely be enough to consider its implementation. However, this is only the very beginning of what ClaimOnce has to offer.
The simple scheme that allows ClaimOnce to protect National ID numbers also lays the foundation for so much more. This includes the proactive protection of virtually every other personal ID type – e.g., IDs for credit cards, bank accounts, insurance policies, licenses, passports, etc. It also allows for individuals to be able to transact business (both online and offline) without having to give up any personal data other than that which is absolutely necessary to meet the specific purpose at hand. In short, this base scheme allows ClaimOnce to provide unambiguous authentication, verification of personal data, the protection of privacy (including anonymity), and convenience in countless applications that involve a person either providing information to or seeking information from another person or organization.
In introducing this simple scheme, first a few questions: If you were handed a piece of paper with a nine-digit number on it and were told that it was a Social Security Number (SSN), is there anything you could do with it? If you were given 10 such numbers, or even 1000 – would it make a difference? What if you were told there was an online registry which listed a few hundred million SSNs and this list was totally accessible to the public. Could an identity thief or anybody else do any harm with this list? Would it be useful to a hostile foreign government? The answer to all of these questions is clearly “NO”. No matter how many ways you look at it, a list of SSNs without any attending data is totally harmless. However, it is just such a list that provides the foundation for ClaimOnce.
ClaimOnce is based on the establishment of a centralized (one-per-nation) registry that allows individuals to exclusively claim ownership of their government issued National ID number, and that provides the public with complete access to the entire list of such claimed numbers (but only the numbers). It also critically provides a simple web service that allows any person or organization to query the CLAIM STATUS of any given National ID (NID) number.
In holding exclusively claimed NID numbers in one nationally centralized location, the purpose of the registry is to permanently lock a nation’s NID numbers in one place to their rightful owner, and only to their rightful owner. Though counterintuitive, making these numbers “publicly accessible” is a critical element in making this possible. Combined with the creation of an associated user account for each NID claimed, this simple scheme unlocks the secret for any nation to proactively protect each one of its citizens from identity theft - and much, much more.
This NID-Claim scheme provides ClaimOnce with a unique ability to generate globally definitive “Context Specific ID Numbers”, which, as the name implies, uniquely identify a person within a specific context. It is this ability that allows ClaimOnce to deliver most of its services. The practical uses of such numbers are virtually endless. A Universal Solution to Identity Fraud This NID-Claim scheme also supports an implementation whereby user accounts and all of the core identity/privacy protection services can be managed by a standalone entity (totally separate and insulated from the NID Registry) that knows nothing about the people it protects – never having, nor ever being exposed to any identity-related data whatsoever - not a NID, name, date of birth, email address, phone #, home address, or anything else. In the business of identity protection, this provides for an unprecedented level of security and privacy. It also serves to eliminate concerns of “Big Brother”, which could otherwise be a huge impediment to sufficient public buy-in.
ClaimOnce services are designed for seamless integration with existing processes and technology. For institutions, this means that critical features can be used with little or no disturbance to their current way of doing things. For a nation, it means that ClaimOnce can be implemented incrementally.
Short of initial wide-scale buy-in, ClaimOnce can establish a foothold by addressing a specific type of NID fraud (e.g., tax return fraud or insurance fraud). The key is the establishment of the one nationally centralized NID Registry. How or by whom it is driven does not matter. It could be driven by a specific industry (e.g. banking or insurance) or by any of a number of vested government agencies. Once established, with a reasonable degree of buy-in by individuals, any institution that depends on NID numbers to identify individuals can use it for its own protection, independent of its use elsewhere. This applies to any bank, any insurance company, any employer, etc. Additionally, institutions of all types can use ClaimOnce for one or more of its many other key features, each of which provide a much sought after benefit to both individuals and institutions.
With demonstrated success in a few areas, and assuming no cost to individuals, market forces would likely prove strong in both directions, with institutions pushing participation by the public and the public seeking the same of institutions, in turn opening the path to a complete solution to identity theft.
The ClaimOnce solution is detailed in a 28-page document. If interested in a copy, please send an email to Mike Boland at firstname.lastname@example.org, or call at 610-446-9681.