1 / 9

Problem being addressed

Problem being addressed. Problem: Taxpayers are experiencing alarming instances in which fraudsters are stealing their tax refunds at the federal and state level.

michellk
Download Presentation

Problem being addressed

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Problem being addressed Problem: Taxpayers are experiencing alarming instances in which fraudsters are stealing their tax refunds at the federal and state level. • Fraudsters file in advance of the actual taxpayer resulting in lost government dollars ($5.2M in payments to fraudulent identities in 2013 per GAO) • Individuals are left with a project to remedy the situation with state and federal tax agencies plus the knowledge that their identity information is at risk • Traditional agency means of safeguarding the process are under pressure Our Solution: Lock and secure all aspects of individuals’ interaction with tax agencies with the MorphoTrust eID; built upon the trust of the US driver license. An opt-in service that taxpayers pro-actively employ to protect their tax IDs and refunds, by preempting fraudster attack.

  2. BYOD/BYOID Approach Brief • Opt-in service • Open to any Taxpayer or Resident with a Driver License or State issued ID • Device agnostic (BYOD) • Leverages physical state DL/ID to create multi-use online eID/tokens (BYOID) • Electronic documentandbiometricauthentication to state DMVs (mobile device enabled process) • Issued to individuals mobile devices & managed by cloud service (cloud holds hashed values only for signing attributes) • Federated secure storage of data/attributes minimizing breach risk • Consumer managed and controlled use only • About MorphoTrust • US Government Proxy Oversight • E2E systems for 40+ state DMVs and federal partners • Exclusive TSA PreCheck Enrollment Provider • Multi-modal biometric solution provider to federal agencies - A personal, multi-use online ID (eID) as trustworthy as using a driver license to prove identity in-person

  3. eID uses: Real-time or Transaction-time

  4. Challenges Facing Government • People and agencies want improved channels of access including mobile and online. • High risk/value transactions are at risk and need to be secured to protect people and government budgets (i.e. Tax Refund Theft) • Moving access to services online requires trust that people are who they claim to be. To date that trust is not attainable at reasonable cost. • Traditional approaches are no longer getting the job done: • Username/Passwords • Knowledge questions • Offline verification

  5. Visuals for Login/Use

  6. Driver License based eIDan electronic ID (eID) carrying the same trust as a physical Driver License provides in person 1 2 Launch app Scan & Read barcode information 3 4 Authenticate the Driver License/ID Selfie “Something I have” + “Something I am”

  7. An Electronic ID (eID) carrying the same trust online as a physical Driver License provides in person Driver License based eIDas trustworthy online as presenting a DL in-person

  8. Team & Goals- Pilot #2prevent personal state income tax refund theft Goals of the proposed pilot Overview Team of Partners • Use a significant consumer problem to jumpstart adoption of an eID that provides strong assurance and multi-factor authentication • Include multiple States in a Trust Framework, addressing variances in DL/ID issuance practices • Demonstrate how the public sector can protect individuals with a citizen-managed identity solution • GA Dept of Revenue • GA Technology Authority • GA Driver Services • NC Dept of Transportation • NC Dept of Revenue Enable Taxpayers to create an Electronic Identity (eID) that can protect their Taxes Set up an AuthN alert when a tax return is filed. Using OpenID Connect, bring the trust of authoritative identity sources into the commercial realm Using Fido UAF and a Trust Framework, enable high trust consumer AuthN The pilot is an implementation of the MorphoTrust consumer service

  9. Pilot #2 Basic conceptsApplying eIDs to Tax Refund Theft/Fraud • Residents create an electronic ID (eID) via mobile app that is based on the trust of the driver license to manage their DoR/IRS account online. (eID’s are multi-use across the internet) • Empower taxpayers to proactively increase the level of assurance required when a tax return is filed in their name. (Lock their account) • Mobile app photo verification (biometric) will ensure taxpayers are authorizing the processing of a return filed for their identity Lock my account to protect with high security requirements Smartphone photo-matching to authorize processing the filing of a return

More Related