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China Creates Massive Online ID Database
schwaang writes that while the US continues to hash out concerns over the Real ID Act, which aims to create a national ID by standardizing state driver's licenses, China has already implemented a massive online ID database, which they say will help prevent fraud. From the Xinhua English-language site: "Anyone can now send a text message or visit the country's population information center's website, to check if the name and the ID number of a person's identity card match. If they do match the ID card-holder's picture also appears, said the Ministry, adding that no other information is available to ensure a citizen's privacy is protected. Completed at the end of 2006, China's population information database, the world's largest, contains personal information on 1.3 billion citizens. Giving public accessing to the database is also designed to correct mistakes if an individual discovers that their name, number and picture don't match."
Actually, this is not all that far off from an "identity clearinghouse" idea I had a while back.
You voluntarily register in person with a government agency your name, address, and certain other personally-identifiable information of the sort that is required for a bank or other lender to grant you credit. When you apply for a new credit account somewhere, that lender sends a request to the government agency containing the PII that you provided to the lender. The government agency then contacts you to verify whether the credit request is valid. Then, the government agency responds to the lender, either stating that (1) the person is not in their records, (2) the person is in their records and has confirmed verification, or (3) the person is in their records and has denied verification. It would then be illegal for the lender to open an account for which the #3 response was given by the government, and the lender would be responsible for clearing up all the resultant credit problems.
In order to modify your data with the agency, you must show up in person at the agency's office with photo ID. If such a system were implemented in coordination with local DMVs, they could use the photos on file for your driver's license.
The government already has access to this data anyway, so allowing people to voluntarily put it to good use to stop identity theft is a good thing. The banks won't do it because the losses they suffer haven't reached the amount of money they think they'll lose if they start being more vigilant about credit applications.