ID 与即时的结合：通过数字身份实现可信、包容的快速支付.pdf

1、fastpayments.worldbank.orgIDID MeetsMeets Instant:Instant:Enabling Enabling Trusted,Trusted,InclusiveInclusive FastFast Payments Payments ThroughThrough DigitalDigital IdentityIdentityGuillermo Galicia Rabadan David Black,Elize Jackson Peter JensenPIC&TACHNATIONAL NATIONAL ID SCHEMEID SCHEMETRUSTED

2、ACCESS TRUSTED ACCESS AND AND CREDENTIALING CREDENTIALING HUBHUBF FAST AST P PAYMENT AYMENT S SYSTEMYSTEMUser User ConsentConsentPayments Payments Identity Identity CredentialCredentialNational ID National ID attributesattributesTransaction metadataTransaction metadataUsers infoUsers infoTrustTrustF

3、rameworkFramework2Arrow:Slight curve with solid fillPICPIC isis storedstored inin thethe“Wallet”“Wallet”alongalong withwith otherother VCs.VCs.TheThe“Wallet”“Wallet”cancan bebe a a commoncommon whitewhite labelledlabelled walletwallet oror thethe walletwallet ofof thethe PSPPSP.WALLETSANDPAYMENTS ID

4、ENTITY CREDENTIALA A WALLETWALLET MAY MAY HOLDHOLD SEVERALSEVERAL VCs VCs(HEALTH,(HEALTH,EDUCATION,EDUCATION,PROFESSIONAL,PROFESSIONAL,ETC)ETC)Within the“wallet”concept,a subset offinancialservicespurposedVCsaredesignated as a PaymentsPayments IdentityIdentityCredentialCredential these may have thei

5、r own walletin the Financial Services space or attach toexisting ones For example,a Digital ID walletFor example:PSP details,Account details,Account holder name,Aliases Payments Metadata CDD File Delegated credentials(AI)3PAYMENTSPAYMENTS IDENTITY IDENTITY CREDENTIALCREDENTIALArrow:Slight curve with

6、 solid fillPIC&TACHNATIONAL NATIONAL ID SCHEMEID SCHEMETRUSTED ACCESS TRUSTED ACCESS AND AND CREDENTIALING CREDENTIALING HUBHUBFAST PAYMENT FAST PAYMENT SYSTEMSYSTEMUser User ConsentConsentPayments Payments Identity Identity CredentialCredentialPaymentsPayments datadata verifiableverifiable presenta