An information card (or i-card) is a personal digital identity that people can use online, and the key component of an identity metasystem. Visually, each i-card has a card-shaped picture and a card name associated with it that enable people to organize their digital identities and to easily select one they want to use for any given interaction. The information card metaphor has been implemented by identity selectors like Windows CardSpace, DigitalMe or Higgins Identity Selector.
An identity metasystem is an interoperable architecture for digital identity that enables people to have and employ a collection of digital identities based on multiple underlying technologies, implementations, and providers. Using this approach, customers can continue to use their existing identity infrastructure investments, choose the identity technology that works best for them, and more easily migrate from old technologies to new technologies without sacrificing interoperability with others. The identity metasystem is based upon the principles in "The Laws of Identity". [1]
There are three participants in digital identity interactions using information cards:[ citation needed ]
An identity selector is used to store, manage, and use their digital identities. Examples of identity selectors are Microsoft's Windows CardSpace, the Bandit Project's DigitalMe, [2] and several kinds of Identity Selectors from the Eclipse Foundation's Higgins project.
An identity selector performs the following user-centric identity management tasks:
An identity selector may also allow the user to manage (e.g. create, review, update, and delete cards within) their portfolio of i-cards.
There are five key components to an identity metasystem:
Using i-cards, users can authenticate without needing a username and password for every website; instead, at sites accepting them, they can log in with an i-card, which may be used at multiple sites.
Each information card utilizes a distinct pair-wise digital key for every realm where a key is requested. A realm may be a single site or a set of related sites all sharing the same target scope information when requesting an information card. The use of distinct pair-wise keys per realm means that even if a person is tricked into logging into an imposter site with an i-card, a different key would be used at that site than the site that the imposter was trying to impersonate; no shared secret is released.
Furthermore, many identity selectors provide a means of phishing detection, where the HTTPS certificate of the relying party site is checked and compared against a list of the sites at which the user has previously used an information card. When a new site is visited, the user is informed that they have not previously used a card there.
The Identity Selector Interoperability Profile v 1.5 [3] (or OASIS IMI v1.0 Committee Draft) [4] specifies two types of information cards that an identity selector must support.
The Higgins project is defining two new kinds of i-cards as well:
However the Information Card format allows for custom types; The Bandit project demonstrated prototype managed cards backed by OpenIDs at the Novell BrainShare conference in March 2007.
The first kind of personal Information cards were also introduced as part of Microsoft’s Windows CardSpace software in November 2006. Their behavior is also defined by the same documents covering the Microsoft-defined managed cards (see above).
Summary of characteristics:
The first kind of managed card was introduced as part of Microsoft’s Windows CardSpace software in November 2006. The behavior, file format and interoperability characteristics of these kinds of managed cards are defined by Microsoft documents such as the Identity Selector Interoperability Profile v 1.5 [3] (or OASIS IMI v1.0 Committee Draft; [4] see self-issued.info [5] for a more complete list), in combination with open standards including WS-Trust [6] and others.
Summary of characteristics:
I-cards issued by third parties can employ any of four methods for the user to authenticate himself as the card owner:
Additional methods could also be implemented by future identity selectors and identity providers.
Managed i-cards can be auditing, non-auditing, or auditing-optional:
Relationship cards are under development by the Higgins project (see the report by Paul Trevithick). [7]
Summary of characteristics:
Conceptually a managed card is essentially a human-friendly "pointer" to a Token Service—a web service (e.g. a STS) from which security tokens can be requested. A security token is a set of attribute assertions (aka claims) about some party that is cryptographically signed by the issuer (the token service acting as the authority). An r-card, contains a second "pointer" that points to a data entity whose attribute's values (i) shared by all parties to the r-card and (ii) form the underlying attributes that are consumed by the r-card issuer's STS and provide the values of the claims that this STS makes. By including this second "pointer" on the r-card, r-card holders have the potential to access and update some subset of these underlying attributes. The card issuer maintains an access control policy to control who has what level of access.
This second pointer is an Entity UDI [8] —a reference to an Entity object in the Higgins Context Data Model. [9] Entity UDIs may be dereferenced and the underlying Entity's attributes accessed by using the Higgins project's Identity Attribute Service. [10] Once resolved, consumers of this service can inspect, and potentially modify the attributes of the entity as well as get its schema as described in Web Ontology Language (OWL).
In addition to basic identity attribute values like strings and numbers, the data entity referred to by an r-card can have complex attribute values consisting of aggregates of basic attribute types as well as UDI links to other entities.
Beyond being used to log into sites, Information Cards can also facilitate other kinds of interactions. The Information Card model provides great flexibility because cards can be used to convey any information from an Identity Provider to a Relying Party that makes sense to both of them and that the person is willing to release. The data elements carried in i-cards are called Claims.
One possible use of claims is online age verification, with Identity Providers providing proof-of-age cards, and RPs accepting them for purposes such as online wine sales; other attributes could be verified as well. Another is online payment, where merchants could accept online payment cards from payment issuers, containing only the minimal information needed to facilitate payment. Role statements carried by claims can be used for access control decisions by Relying Parties.
The protocols needed to build Identity Metasystem components can be used by anyone for any purpose with no licensing cost and interoperable implementations can be built using only publicly available documentation. Patent promises have been issued by Microsoft, [11] IBM, [12] and others ensuring that the protocols underlying the Identity Metasystem can be freely used by all.
The Information Cards defined by the Identity Selector Interoperability Profile v 1.5 [3] (or OASIS IMI v1.0 Committee Draft) [4] are based on open, interoperable communication standards. Interoperable i-card components have been built by dozens of companies and projects for platforms including Windows, Mac OS, and Linux, plus a prototype implementation for phones. Together, these components implement an interoperable Identity Metasystem. Information Cards can be used to provide identities both for Web sites and Web Services applications.
Several interoperability testing events for i-cards have been sponsored by OSIS [13] and the Burton Group, [14] one was at the Interop at the October 2007 European Catalyst Conference in Barcelona [15] and the most recent was at RSA 2008. These events are helping to ensure that the different Information Card software components being built by the numerous participants in the Identity Metasystem work well together.
The protocols needed to build Information Card implementations based on the Identity Selector Interoperability Profile v 1.5 [3] (or OASIS IMI v1.0 Committee Draft) [4] can be used by anyone for any purpose at no cost and interoperable implementations can be built using only publicly available documentation. Patent promises have been issued by Microsoft, [11] IBM, [12] and others, ensuring that this Information Card technology is freely available to all.
In June 2008, industry leaders including Equifax, Google, Microsoft, Novell, Oracle, PayPal and others created the Information Card Foundation in order to advance the use of the Information Card metaphor as a key component of an open, interoperable, royalty-free, user-centric identity layer spanning both the enterprise and the Internet.
In his report on the Interop at the June 2007 Catalyst Conference in San Francisco, [16] analyst Bob Blakley wrote:
The interop event was a milestone in the maturation of user-centric identity technology. Prior to the event, there were some specifications, one commercial product, and a number of open-source projects. After the event, it can accurately be said that there is a running Identity Metasystem.
The term "information card" was introduced by Microsoft in May 2005 as a name for the visual information card metaphor to be introduced in its forthcoming Windows CardSpace software. Until early 2006, information cards were also sometimes referred to by the code-name “InfoCard”, which was not a name that was freely available for all to use. The name information card was specifically chosen as one that would be freely available for all to use, independent of any product or implementation. The name “information card” is not trademarked and is so generic as to not be trademarkable.
The term i-card was introduced at the June 21, 2006, Berkman/MIT Identity Mashup conference. [17] [18] The intent was to define a term that was not associated with any industry TM or other IP or artifact. At the time, Microsoft had not yet finished applying the Open Specification Promise [11] to the protocols underlying Windows CardSpace and there was also a misunderstanding that the term information card was not freely available for use by all, so to be conservative, the term i-card was introduced.
Mike Jones, of Microsoft, explained to participants of a session at IIW 2007b [19] that Microsoft always intended the term information card to be used generically to describe all kinds of information cards and to be freely usable by all, and tried to correct the earlier misunderstanding that the term might apply only to the kinds of information cards originally defined by Microsoft. He made the case that the industry would be better served by having everyone use the common term information card, than having two terms in use with the same meaning, since there remains no legal or technical reason for different terms. In this case the term i-card would become just the short form of information card, just like e-mail has become the short form of electronic mail.
Windows Management Instrumentation (WMI) consists of a set of extensions to the Windows Driver Model that provides an operating system interface through which instrumented components provide information and notification. WMI is Microsoft's implementation of the Web-Based Enterprise Management (WBEM) and Common Information Model (CIM) standards from the Distributed Management Task Force (DMTF).
Web Services Security is an extension to SOAP to apply security to Web services. It is a member of the Web service specifications and was published by OASIS.
Identity management (IdM), also known as identity and access management, is a framework of policies and technologies to ensure that the right users have the appropriate access to technology resources. IdM systems fall under the overarching umbrellas of IT security and data management. Identity and access management systems not only identify, authenticate, and control access for individuals who will be utilizing IT resources but also the hardware and applications employees need to access.
Security Assertion Markup Language is an open standard for exchanging authentication and authorization data between parties, in particular, between an identity provider and a service provider. SAML is an XML-based markup language for security assertions. SAML is also:
A federated identity in information technology is the means of linking a person's electronic identity and attributes, stored across multiple distinct identity management systems.
A digital identity is data stored on computer systems relating to an individual, organization, application, or device. For individuals, it involves the collection of personal data that is essential for facilitating automated access to digital services, confirming one's identity on the internet, and allowing digital systems to manage interactions between different parties. It is a component of a person's social identity in the digital realm, often referred to as their online identity.
OpenID is an open standard and decentralized authentication protocol promoted by the non-profit OpenID Foundation. It allows users to be authenticated by co-operating sites using a third-party identity provider (IDP) service, eliminating the need for webmasters to provide their own ad hoc login systems, and allowing users to log in to multiple unrelated websites without having to have a separate identity and password for each. Users create accounts by selecting an OpenID identity provider, and then use those accounts to sign on to any website that accepts OpenID authentication. Several large organizations either issue or accept OpenIDs on their websites.
A credential service provider (CSP) is a trusted entity that issues security tokens or electronic credentials to subscribers. A CSP forms part of an authentication system, most typically identified as a separate entity in a Federated authentication system. A CSP may be an independent third party, or may issue credentials for its own use. The term CSP is used frequently in the context of the US government's eGov and e-authentication initiatives. An example of a CSP would be an online site whose primary purpose may be, for example, internet banking - but whose users may be subsequently authenticated to other sites, applications or services without further action on their part.
Windows CardSpace is a discontinued identity selector app by Microsoft. It stores references to digital identities of the users, presenting them as visual information cards. CardSpace provides a consistent UI designed to help people to easily and securely use these identities in applications and web sites where they are accepted. Resistance to phishing attacks and adherence to Kim Cameron's "7 Laws of Identity" were goals in its design.
Gemalto was an international digital security company providing software applications, secure personal devices such as smart cards and tokens, e-wallets and managed services. It was formed in June 2006 by the merger of two companies, Axalto and Gemplus International. Gemalto N.V.'s revenue in 2018 was €2.969 billion.
Electronic authentication is the process of establishing confidence in user identities electronically presented to an information system. Digital authentication, or e-authentication, may be used synonymously when referring to the authentication process that confirms or certifies a person's identity and works. When used in conjunction with an electronic signature, it can provide evidence of whether data received has been tampered with after being signed by its original sender. Electronic authentication can reduce the risk of fraud and identity theft by verifying that a person is who they say they are when performing transactions online.
OAuth is an open standard for access delegation, commonly used as a way for internet users to grant websites or applications access to their information on other websites but without giving them the passwords. This mechanism is used by companies such as Amazon, Google, Meta Platforms, Microsoft, and Twitter to permit users to share information about their accounts with third-party applications or websites.
The Microsoft Open Specification Promise is a promise by Microsoft, published in September 2006, to not assert its patents, in certain conditions, against implementations of a certain list of specifications.
Information Card Foundation (ICF) is an independent non-profit organization created in June 2008. The ICF consists of Steering Community board members and Steering Business board members. Some of the businesses include Equifax, Google, Microsoft, Novell, Oracle Corporation and PayPal. The foundation was formed to promote Information Card technology, a user-centric, cross-platform, identity technology that shifts control over personal information to the individual. Information cards allow the user to the control release of self-asserted claims or claims made by a third-party identity provider represented using a card/wallet metaphor in a user interface called a "card selector", to relying parties
Active Directory Federation Services (ADFS), a software component developed by Microsoft, can run on Windows Server operating systems to provide users with single sign-on access to systems and applications located across organizational boundaries. It uses a claims-based access-control authorization model to maintain application security and to implement federated identity. Claims-based authentication involves authenticating a user based on a set of claims about that user's identity contained in a trusted token. Such a token is often issued and signed by an entity that is able to authenticate the user by other means, and that is trusted by the entity doing the claims-based authentication. It is part of the Active Directory Services. Microsoft advises using Entra ID and Azure AD Connect in place of ADFS in most cases.
Identity assurance in the context of federated identity management is the ability for a party to determine, with some level of certainty, that an electronic credential representing an entity with which it interacts to effect a transaction, can be trusted to actually belong to the entity.
Claims-based identity is a common way for applications to acquire the identity information they need about users inside their organization, in other organizations, and on the Internet. It also provides a consistent approach for applications running on-premises or in the cloud. Claims-based identity abstracts the individual elements of identity and access control into two parts: a notion of claims, and the concept of an issuer or an authority.
A whole new range of techniques has been developed to identify people since the 1960s from the measurement and analysis of parts of their bodies to DNA profiles. Forms of identification are used to ensure that citizens are eligible for rights to benefits and to vote without fear of impersonation while private individuals have used seals and signatures for centuries to lay claim to real and personal estate. Generally, the amount of proof of identity that is required to gain access to something is proportionate to the value of what is being sought. It is estimated that only 4% of online transactions use methods other than simple passwords. Security of systems resources generally follows a three-step process of identification, authentication and authorization. Today, a high level of trust is as critical to eCommerce transactions as it is to traditional face-to-face transactions.
The SAML metadata standard belongs to the family of XML-based standards known as the Security Assertion Markup Language (SAML) published by OASIS in 2005. A SAML metadata document describes a SAML deployment such as a SAML identity provider or a SAML service provider. Deployments share metadata to establish a baseline of trust and interoperability.
Verifiable credentials (VCs) are digital credentials which follow the relevant World Wide Web Consortium open standards. They can represent information found in physical credentials, such as a passport or license, as well as new things that have no physical equivalent, such as ownership of a bank account. They have numerous advantages over physical credentials, most notably that they're digitally signed, which makes them tamper-resistant and instantaneously verifiable.