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Initial request for an additional authentication factor during which vetting arrangements are made. This initiation can be integrated with face-to-face vetting sessions (if allowed by the service policy), when the actions needed to link this phase and separate verification session would not be necessary. These actions are I_FACTOR_DELIVERY and I_ARRANGE_VETTING. Is some cases, this phase may need to be initiated by the Applicant's organisation, not directly by herselfthe applicant itself.
C_USE_EXISTING_FACTOR (optional) DEFINED IN C
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I_SUPPLY_FACTOR (optional)
Optional. The applicant may either use his/her own factor, get a factor assigned or buy a factor (token) from the external factor provider.
In the latter case the applicant may also provide payment information and a delivery address and perhaps even pay for the factor, handling and delivery service. This may be even as simple as redirection to the external factor provider.
Optional May also include sending of the physical factor (typically a token), if such is used, and if this is a part of the provided service.
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C_USE_NEW_FACTOR (optional) DEFINED IN C
Optional factor (token) preregistration and binding with the request. If the applicant is expected to possess a token at the time ofof application and initiation; alternatively, this can be done during the vetting phaselater.
I_ARRANGE_VETTING (optional)
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- Creation of a (secret) code to be used at the start of vetting procedure to identify the vetting request or the new factor used during initiation (C_USE_NEW_FACTOR).
- If e-mail is used for vetting arrangement, get applicant's e-mail address (e.g. from the IdP account data) or from the applicant.
- Optional location selection and/or scheduling of the vetting appointment, only if the load or the policy of the service (desk) require this.
- Provide vetting details over e-mail or through the application, with code in text or QR, email validation link, instructions, vetting application link, service desk contacts, address and appointment details, and whatever else is needed.
- Optional e-mail validation, if e-mail is required for further interaction, and if a valid e-mail address is not already accessible and assured/guaranteed from the IdP data provided upon the previously performed login with the existing factor (C_USE_EXISTING_FACTOR).
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V: Identity Proofing and Information Verification
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- Vetting may be rejected and applicant turned back if the applicant is not eligible (any more) or if the queue is too long or the necessary resources, staff or involved key services are not available at this point.
- Restoring of the information and context established during initiation may include C_USE_EXISTING_FACTOR or use of previously created code to identify the vetting request or the factor used during initiation.
- If the validity of e-mail address is considered significant, a code or link may be used to make sure that the applicant's e-mail is valid and can be accessed by her.
- This setting up of the context of the applicant's request may be done by restoring it after the applicant, service or desk operator uses the code issued during the initiation. The code that links the applicant with the original application is particularly useful when the applicant does not possess or know the first factor (which may require V_CREATE_DIGITAL_IDENTITY) and is not able to perform C_USE_EXISTING_FACTOR.
- If some time has passed since initiation, it may be necessary to perform C_CHECK_ELIGIBILITY again, as the applicant situation with her organisation may have changed in the meantime. This check could be done based on performed C_USE_EXISTING_FACTOR or the verbally provided identifying information, which, in the case of human-to-human interaction may be a softer start of vetting than to immediately demand V_PRESENT_PROOF.
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V_CREATE_DIGITAL_IDENTITY (optional)
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This action should be invalidated if any of the following enrollment actions fails during both vetting and binding phases.
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V_PRESENT_PROOF
The applicant presents proof of identity, typically a sanctioned type of picture ID doc with demographic and biometric data.
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Optional, if the factor such as token is immediately provided, e.g. by the service desk. Like I_FACTOR_DELIVERY, it can can also include an immediate monetary transaction. Recording Recording of handover is probably unnecessary, as the service/operator is in the possession of a proof (it was obtained with V_PRESENT_PROOF), so there is no risk of an irremediable situation or that the applicant would flee with the factor before C_USE_NEW_FACTOR.
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V_CHECK_PROOF Local Check of the Presented Proof
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Read and inspect the ID doc, compare the name with the vetting request, check ID security features, optionally electronically read the ID doc, compare photo/biometrics match with the person.
For online mechanisms , a separate liveness check is neededmay be needed to match with the real-world person.
V_EXTERNAL_CHECK (optional) Check External Validity
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Output: liveness verified
V_RECORD_CHECKS (optional) Record Identity Proof
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Making sure that the applicant knows/possesses/inherits the new factor and is able to use it. Or in case of preregistration make sure that the all performed actions involving the new factor were with the same instance of the factor, as the used token will be bound to the digital identity. This This step should be performed by the applicant and therefore may take some time to be performed, so could be done by the user in parallel with V_CHECK_PROOF, V_EXTERNAL_CHECK and V_CHECK_LIVENESS. It may be preceded with C_USE_EXISTING_FACTOR it if has not been already performed. This may be avoided if C_USE_NEW_FACTOR was done during initiation.
V_PREREGISTER_FACTOR (optional) → FIND BETTER WORDING
This factor will be later bound and activated after identity proofing and information verification, so the record about it and its association with the applicant's digital identity is saved. For this to happen, all prior steps of vetting should be completed with success.
B: Factor Binding and Activation
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