1 of 10

Credential Use Cases

An analysis of survey results from 44 industry stakeholders

​

Manu Sporny

Founder/CEO, Digital Bazaar

2 of 10

Subject Area and Terminology

FOR THE PURPOSES OF THIS PRESENTATION

Credential - the representation of a qualification, achievement, personal quality, or aspect of an entity’s background, typically used to indicate suitability.��Synonyms: Verifiable entity attributes, attestations

Examples: driver’s license, proof of age, loyalty card, shipping address, university degree, license to practice medicine, license to practice law, passport, etc.

Why: Perform the KYC process on a customer account so they can make payments, offer shipping address to receive goods, prove you have a loyalty card online, etc.

3 of 10

Credential Use Cases Survey Questions

​

  • What is your most compelling credentials business use case?
  • What technologies do you use today for credentials?
  • Do these technologies meet your needs?
  • What capabilities do you need from a credentialing solution?

[Link to survey]

4 of 10

Responses to Survey

  • 58 organizations surveyed, 44 responded (high response rate - 76%)
  • Payments: Walmart, Target, US Federal Reserve Bank of Chicago, Dutch National Bank, Bloomberg, Bill and Melinda Gates Foundation, Ingenico, Rabobank, National Association of Convenience Stores (NACS), Connexxus, ETA, Worldpay
  • Education: ETS, Pearson, IMS Global, DCMI, Vital Source, Badge Alliance
  • Healthcare: Verisys
  • Government: New Zealand Government

[Link to anonymized results]

5 of 10

Payment Use Case Themes

  • Simplify checkout experience (collection of shipping address, phone number)
  • Perform KYC process on customers online before enrollment in payment system
  • Ensure automatic compliance with regulations (purchasing alcohol, controlled substances, drug sales to proper patient)
  • Digital loyalty cards and coupons
  • Ensure proper licensure and training (stock trader, wealth manager)

[Link to all submitted use cases]

6 of 10

Desirable Credential Capabilities Have Been Identified

7 of 10

Wide Variety of Technologies in Use Today

8 of 10

Gaps Exist in Current Technology Solutions

9 of 10

A Desire to Participate in Solving the Problem at W3C

10 of 10

Discussion and Next Steps

  • Add new payment use cases (if any are missing)
  • What is the timeline for addressing these issues?
  • Should there be a workshop to explore the topic further, or do we have enough to create an IG?
  • Should this initiative be led by the Web Payments IG?