Ron Carpinella Traditional data aggregators have pursued business models and partnerships in the same way for a very long time. However, they are progressively unable to adapt to the demands of Internet services for identity information, consumer insight and permission. What are the alternatives and how do the existing models need to change?

1. Identity, Data
and Dollars
Transformative thoughts on
monetization

2. In the beginning,…
§ Dust
§ Attributes
§ Fig Leaves

3. Today we rely on sources
§ Data providers
§ Identity Providers
§ Relying parties

4. Where does the buck stop?
(or flow)
§ Revenue based on Identity is
derived across multiple paths:
1) Identity & attributes providers
2) Exchange/ Use
3) Infrastructure

5. So what’s the problem?
§ I make money when you use my data
§ You make money when I use your service
to ID proof
§ “Website” makes money because the
transaction is secure
§ They make money ‘cause they can sell
ads to me based on the data/ Identity

6. How does the money move?
§ Data Provider Sells Information to
§ 1) Service Provider or
§ 2) Sells service using the
information
§ ID Provider Purchases Data or ID
Proofing service, then provides
credentials to customer for a fee
§ RP pays for Credential Service
§ RP get paid (for service, sale etal)
using the Identity

7. But….
§ If the Credential is issued and used
by mutliple RP’s should the data
provider be paid?
§ If the RP payed for a credential,
should the Credential provider be
able to re-use the Identity that was
issued for said RP?
§ If the credential provider has
acquired data to enhance the initial
ID that was proofed, should they
continue to engage/ pay the data
provider?

8. What do we pay for?
Value
Benefits Risk
Identity
Proofing
Authentication
Attribute
Verification

9. Who should get paid?
§ Data Providers only “score” identity,
they don’t decide…
§ CSP’s/ ID Providers decide on
identity, should they be able to
gather more data?
§ RP’s pay for Identity, should that info
be useable elsewhere?

10. New money thoughts
§ Liability = Risk = Reward
§ Data Exchange = Cost Control
§ Purchase = Ownership