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The article doesn't go into much detail about what type of fraud they're trying to prevent, but it looks like the issue is fraudulent unemployment claims: > A
by PragmaticPulp 5y ago
The article doesn't go into much detail about what type of fraud they're trying to prevent, but it looks like the issue is fraudulent unemployment claims:
> A rapidly growing number of US states, including Colorado, California and New York, turned to ID.me in hopes of cutting down on a surge of fraudulent claims for state and federal benefits that cropped up during the pandemic alongside a tidal wave of authentic unemployment claims.
This ID.me company doesn't sound great at all. Although the government doesn't always have a track record of efficient software development, I wish they would work on developing a different solution for verifying identities remotely.
There is a similar problem with people filing fraudulent tax returns using stolen identities. Fraudsters are loving this shift to remote filing because it bypasses the need for creating a fake photo ID and risking walking into a building. These new remote-only systems only require some personal information to allow someone to file fake taxes under your name or steal unemployment benefits. They get to walk away with the money and you're left to deal with the consequences.
Can anyone share how other countries are handling remote ID verification? As more services go remote, we're going to need better ways to verify people's identity remotely. Passing the problem to companies like ID.me doesn't sound like a great solution.
- d110af5ccf 5y agoThe US State Department has you go into a post office to verify your identity when applying for a passport. Nearly all credit cards have PKI chips in them at this point. US passports and US DoD ID cards do as well. Most (all?) unemployment claims pass through a bank account; the bank is required to adhere to KYC laws. Sensible solutions exist but for some reason we're outsourcing to a shady operator in the private sector instead.
- tsjq 5y agoIndia: almost everything with govt is linked to UID (Aadhaar). No Aadhar? No govt service. Almost. Remote ID verification done by : OTP sms to phone number linked to Aadhar of the person.