I hate to be a stickler here — but I still hate all of these generalizations. Sorry Gerry, Paul — I’m not trying to be mean, but my Implementer spidey-sense won’t stop tingling here. I hope I can explain some of my concerns here – and then I think I’ll have to put my money where my mouth is and write something in response that has a bit more meat to it.
If my bank were to one day allow me to associate an information card with my account, I see absolutely no reason why I would hesitate to associate a self-issued information card. If I’m reading Gerry’s taxonomy correctly, in doing so I would be doing my daily banking via a pseudonym-based, no assurance, low-value transaction. If I read Paul’s taxonomy correctly, there would be technical confidence but no legal confidence, even though I as an end user do indeed have a contract with my bank.
But wait, you say, how about data with real legal teeth? What if my bank allowed me to use my self-issued card to make claims about my own credit score?
Self-issued cards can’t make claims about credit score or SSN number or bank account number. They are incapable – by design. For what they can do, I believe they can do it well. For the rest, they are simply not applicable – which to me is very different from being low in assurance.
In summary, the only situation I can see where use of a self-issued card means a possible legal or technical setback of any kind for an RP (within the normal uses of such a card), is in a case where normal contact data is changed by the user to be fraudulent. I don’t think this case is much of a big deal — because people can do that now, via other channels, and it is a known risk that websites already seem to accept. If there are other cases which I’m missing, please let me know.
I apologize for continually throwing rocks at other people’s glass houses – I realize it’s a lot easier to criticize than to create. As soon as I have a free moment, I’ll try to write out all of what I consider to be valid factors, so that everyone can have a chance to throw rocks at my glass house too🙂