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Figure 9: Issuing Digital Address to User

6�2 Use of QR codes in ADIA 6�3 User flows for e-KYC
QR codes are integral for modern authentication
flows and that is no exception for the Digital Address. 6.3.1 In-person e-KYC
A technical committee (TC) has been established in A user wishing to identify themselves in an in-per-
OASIS, which addresses some of the problems of son interaction will supply the identity attributes
QR-based authentication flows and guidelines for required to meet the requirements set up by the
enhanced QR security will be created. The OASIS Service Provider (for example an individual wishing
TC will survey QR based methods that online rely- to open a new bank account at a local branch).
ing partners and service providers currently use In addition to their name, address, place of
to authenticate electronic identities. The TC will employment, etc., the user will supply their Digital
compare these methods to propose a set of proto- Address. The Service Provider can check the identity
cols service providers can reliably use. The set of attributes of the user along with the Digital Address
protocols will enable authentication without stat- via a ADIA web interface. When the Service Provider
ic credentials or passwords, and provide increas- inputs the user data along with the Digital Address,
ing levels of identity assurance, risk mitigation, and the request for a DID-based verifiable credential
authentication certainty. (with the same identity data fields requested) will be

Figure 10: ADIA layer model

26 e-KYC use cases in digital financial services