Identity – A score to who you are, what you are and where you are
Contents
Identity – A score to who you are, what you are and where you are 1
Introduction: 1
Description: 1
Conclusion: 2
Introduction:
Identity management is a necessity for every online retail business but it involves management chores such as providing various sign-in options to the users so that they may be authenticated and authorized, complying with standards and providing utmost convenience that may prove distractful to their line of business. Federated identity management stepped in to consolidate these activities. You could now sign in to different retail domains and subsidiaries with a single account. Moreover protocols were developed so that identity may be deferred to providers. Interestingly in the recent years social network providers increasingly became a venerable identity provider by themselves. This write-up introduces the notion of score for an identity as an attribute that may be passed along with the identity to subscribing identity consumers. As more and more business participate, score becomes more meaningful metadata for the customer.
Description:
Using scores to represent consumers probably started more than half a century earlier when Fair, Isaac and Co used statistical analysis to translate financial history to a simple score. We may have come a long way in how we measure credit scores for end users but the data belonged to credit bureaus. Credit card companies became authorities in tracking how consumers spend their money and their customers veritably started carrying cards instead of cash. With the rise of mobile phones, mobile payment methods started gaining popularity. Online retail companies want a share of that spend. And the only way they can authenticate and authorize a user to do so was with identity management. Therefore they shared the umbrella of identity management while maintaining their own siloed data regardless of whether they were in the travel industry, transportation industry or the insurance industry. They could tell what the user did on the last vacation, the ride he took when he was there or the claim he made when he was in trouble but there is nothing requiring them to share this data with an identity provider. Social network and mobile applications became smarter to know the tastes the users may have or acquire and they can make ads more personalized with recommendations but there is no federation of trends and history pertaining to a user across these purchases. On the other hand, the classic problem of identity and access management has been to connect trusted users to sensitive resources irrespective of where these users are coming from and irrespective of where these resources are hosted. The term classic here is used to indicate what does not change. In contrast, business models to make these connections have changed. Tokens were invented to represent user access to a client’s resources so that the identity provider does not have to know where the resources are. Moreover, tokens were issued not only to users but also to devices and applications on behalf of the user so that they may have access to different scopes for limited time. Other access models that pertain to tokens as a form of identity are mentioned here. In the case of integrating domains and web sites with the same identity provider, the data pertaining to a customer only increases with each addition. An identity provider merely has to accumulate scores from all these retailers to make a more generalized score associated with the user. This way existing retail companies can maintain their own data while the identity provider keeps a score for the user.
Conclusion:
An identity and access management solution can look forward to more integrated collaboration with participating clients in order to increase the pie of meaningful information associated with an account holder.
Contents
Identity – A score to who you are, what you are and where you are 1
Introduction: 1
Description: 1
Conclusion: 2
Introduction:
Identity management is a necessity for every online retail business but it involves management chores such as providing various sign-in options to the users so that they may be authenticated and authorized, complying with standards and providing utmost convenience that may prove distractful to their line of business. Federated identity management stepped in to consolidate these activities. You could now sign in to different retail domains and subsidiaries with a single account. Moreover protocols were developed so that identity may be deferred to providers. Interestingly in the recent years social network providers increasingly became a venerable identity provider by themselves. This write-up introduces the notion of score for an identity as an attribute that may be passed along with the identity to subscribing identity consumers. As more and more business participate, score becomes more meaningful metadata for the customer.
Description:
Using scores to represent consumers probably started more than half a century earlier when Fair, Isaac and Co used statistical analysis to translate financial history to a simple score. We may have come a long way in how we measure credit scores for end users but the data belonged to credit bureaus. Credit card companies became authorities in tracking how consumers spend their money and their customers veritably started carrying cards instead of cash. With the rise of mobile phones, mobile payment methods started gaining popularity. Online retail companies want a share of that spend. And the only way they can authenticate and authorize a user to do so was with identity management. Therefore they shared the umbrella of identity management while maintaining their own siloed data regardless of whether they were in the travel industry, transportation industry or the insurance industry. They could tell what the user did on the last vacation, the ride he took when he was there or the claim he made when he was in trouble but there is nothing requiring them to share this data with an identity provider. Social network and mobile applications became smarter to know the tastes the users may have or acquire and they can make ads more personalized with recommendations but there is no federation of trends and history pertaining to a user across these purchases. On the other hand, the classic problem of identity and access management has been to connect trusted users to sensitive resources irrespective of where these users are coming from and irrespective of where these resources are hosted. The term classic here is used to indicate what does not change. In contrast, business models to make these connections have changed. Tokens were invented to represent user access to a client’s resources so that the identity provider does not have to know where the resources are. Moreover, tokens were issued not only to users but also to devices and applications on behalf of the user so that they may have access to different scopes for limited time. Other access models that pertain to tokens as a form of identity are mentioned here. In the case of integrating domains and web sites with the same identity provider, the data pertaining to a customer only increases with each addition. An identity provider merely has to accumulate scores from all these retailers to make a more generalized score associated with the user. This way existing retail companies can maintain their own data while the identity provider keeps a score for the user.
Conclusion:
An identity and access management solution can look forward to more integrated collaboration with participating clients in order to increase the pie of meaningful information associated with an account holder.
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