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PKI Benefits & PKI Benefits & ApplicationsApplications
Lisa Pretty
Executive Director
PKI Forum
“The PKI Forum is an international, not-for-profit, multi-vendor and end-user alliance whose purpose is to accelerate the adoption and use of Public-Key Infrastructure (PKI). The PKI Forum advocates industry cooperation and market awareness to enable organizations to understand and exploit the value of PKI in their e-business applications.”
Agenda
PKI Benefits & Applications PKI Technology & Interoperability PKI Vendor Panel Q&A
Source: Aberdeen Group, PKI Multi-Client Study, December 1999
PKI Applications
68%
62%58%
43%
21%
Web
VPN
Custom
ERP
Source: Datamonitor, “Public-Key Infrastructure 1999-2003”, December 1999
PKI Market Forecast, 1997-2003by Revenue Category
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
$3,500
1997 1998 1999 2000 2001 2002 2003
Re
venu
e (
$M
)
Maintenance
Professional Services
System IntegrationPKI Services
PKI Products
The Speakers
Financial: Sven Hammar – Celo Healthcare: Justin Kromelow – Phyve Government: Bill Wehrmacher – DataKey Europe: Steve Matthews - Netlexis
PKI in the Financial PKI in the Financial MarketMarket
Sven Hammar, CEO
Celo Communications
Why PKI in Finance?
PKI + Finance = Logical relationship Banks = TRUST…
– Take advantage of trust – biggest strength!– PKI proving to become security standard– Online transactions require security– Manage risk– Vital to embrace new technology– Can afford to be one step ahead – Customer loyalty
PKI for Customer Loyalty
Use PKI as customer tool Build loyalty relationship with customers PKI enables added service offerings:
– Online banking – Stock brokerage– Loans– Online payment of bills
Threats…
PKI a new technology– Understand value in order to reap benefits
Leverage existing brand – Image, relationship & Infrastructure – PKI enable legacy applications
Customer understanding value of PKI– Always keep it simple for the customer!
Banks moving fast enough?
Banks challenged by “non-banks”– Retail industry already “e-savvy”– Infrastructure in place – Customers in place, worldwide access
Online Competition– Web Portals, ISPs offer Internet Banking– Yahoo, AOL issue certificates…– Telco’s – Superior Infrastructure
PKI Strategy in Finance
Use the advantage of TRUST!– Work out brand management system
Create PKI business alliances– Identrus the right path – Global presence
Think long term– Market landscape is changing fast
Work with open standards– PKI Forum a step in the right direction
New revenue opportunities
Certificates; A new revenue opportunity Banks can market active certificate list These customers are already:
– Online– Trusted– Banking/Payment/Credit-Worthy– Early Adaptor Mentality
PKI Applications in Finance
Digital Signatures – a vital PKI feature– Legally, binding mechanism to digitally sign
documents and transactions remotely U.S Senate approved the E-signing Law
– Removes legal barriers for e-business– Bill Clinton signed E-Signing bill June 30– E-Signing law effective October 1st
Digital Signatures in Finance
Enables non-repudiation– Verify identity of customer– Revocation– Storage of signatures
Customer user-friendly– Sign online transactions with a single click– Sign HTML web forms & contracts– Stronger sense of security for customer when
performing online transactions
Digitally Signed Bank Transaction
Overview
Smart Cards / USB Tokens
Smart Cards as relationship device– Tool to leverage relations to customer– Creates stronger tie to customer– Bank’s brand always present (on card)– Customer offer for higher level of security
USB Tokens – Competitive option to smart cards– PC hardware not yet supporting card readers
PKI is the Future!
Predictions for the overall market are huge. Potential in Financial Sector is unlimited! – Both IDC and Frost & Sullivan put PKI as one
of the fastest growing markets in the Internet security space in coming years.
– According to Aberdeen Group, 98% of the Global 2000 enterprises will be using PKI before 2003.
Summary
PKI and Finance is a marriage made in heaven – Logical and obvious relationship
The Trust issue puts Financial institutions in pole position
Digital signatures enable a stronger position on the market as well as with customers
Keep it simple for the customer! Start now – PKI means money!
PKI Benefits in Healthcare
Justin Kromelow
Phyve.
Why PKI in Healthcare
HIPAA TCO maximization objectives Adoption and implementation of technical
standards Large diverse, distributed organizations and
groups of users
Benefits
The Internet Administrative savings
– Paper vs EDI, Electronic report delivery Enhance information systems delivery plan Data mining/disease management Cornerstone for data driven efficiency
Contact Information
Phyve2200 Bridge Parkway
Redwood City, CA 94065650-620-5100
http://www.phyve.com
PKI: Your government PKI: Your government working for youworking for you
W.H.(Bill) Wehrmacher
Datakey, Inc.
Not the first, but certainly a very public step
In 1997, Vice President Al Gore published Access America, a report which outlined actions the Federal government is taking to promote the electronic delivery of services, and electronic
transactions between agencies and trading partners, over open networks such as the Internet. The report made it clear that providing a proper
security infrastructure was essential for electronic transactions to flourish.
The Evolving Federal Public Key Infrastructure, CIO (Department of the Treasury)Richard A. GuidaFinal Draft 4.0, 5-21-2000
What Government Agencies
State U.S. Government
– Federal– Department of Defense
International
State Governments
Electronic / Digital Signature Law– All 50 states have law allowing for the use of digital
signatures, most of which allow or require PKI.• Mandate use of Digital Signatures in inter-government
communication and commerce
• Permits use of Digital Signatures elsewhere
– 43 states have adopted the Uniform Computer Information Transactions Act (UCITA) which references PKI based digital signatures
U.S. Government Federal
Access Certificates for Electronic Commerce (ACES)– General Services Administration contract schedule for issuing
Certificates
– Potential ACES users’: SSA, EPA, and Dept of Education
– Three Schedule awardees: ORC (Operational Research Consultants), Digital Signature Trust, AT&T
Smart Access Common Identification– GSA contract schedule for issuing PKI smart cards
Federal PKI– hosted by NIST
– At core of interoperability and cross certification
– Federal Bridge CA
U.S. Department of Defense
DoD Medium-Pilot Assurance PKI– Sensitive, but unclassified material– 50,000 certificates in use today
Interim External Certificate Authorities (IECA)– IECA program can be trusted by DoD applications– Four IECA vendors: ORC (Operational Research Consultants), Digital
Signature Trust, VeriSign, General Dynamics DoD Class 3 PKI
– CA keys in FIPS 140-1 Level 2 hardware tokens– LRA and RA keys in FIPS 140-1 Level 2 smart cards
Target DoD Class 4 PKI– will require smart cards or other tokens for all certificate holders
DoD Common Access Card– Upgrade ID cards to PKI smart cards
International Law
43 countries have law in place, in draft or are actively investigating PKI based law for digital signatures or e-commerce
German Digital Signature Law– PKI based digital signatures– Oldest and most well known
United Nations Commission on International Trade Law (UNCIRTL)
Why? Because we must!
“Business-to-business and business-to-consumer electronic commerce reached $43 billion and $8 billion respectively in 1998. Estimates predict that by 2003, those totals will exceed $108 billion and $1.3 trillion respectively (Forrester Research). This experience suggests that electronic forms of authentication which are accepted over the Internet – and which include the use of public key technology – be generally accepted as having sufficient legal foundation by the transacting parties to allow e-commerce to proceed and grow”
“In October 1998, Congress enacted the Government Paperwork Elimination Act (GPEA, Public Law 105-277) requiring that when practicable, Federal agencies by October 2003 accept forms electronically with electronic signatures.”
“Federal agency efforts have focused on using public key technology for intra-agency, interagency, and agency to trading partner transactions. The largest potential volume of traffic, and the greatest prospects for service delivery, involves transactions with the general public. Recognizing this, and appreciating that the best approach to use public key technology with the public is to devise a PKI that all agencies can collectively use for that purpose to share the costs of a common infrastructure, the General Services Administration began working in 1996 on an effort called Access Certificates for Electronic Services (ACES).”
Conclusions
The use of Public Key technology within Government and business will continue to grow at an astounding rate.
Public Key Infrastructures to provide and maintain trust must expand to support the the growth of this technology
Government is leading, and will continue to lead, the expansion of PKI technology and service
Please feel free to contact me
W.H.(Bill) Wehrmacher
Director of Technical Services
Datakey, Inc.
+1 952 808-2337
407 West travelers Trail
Burnsville Minnesota 55337
PKI: A European PKI: A European PerspectivePerspective
Steve Mathews
Netlexis
Where is Europe on the PKI map?
Baltimore Technologies UtiMaco iD2 Axenet Siemens Belsign Bull and others ……………………………….
How about European experiences?
European Commission R&D funding for major security projects since 1991
European Commission R&D and demonstrator funding for PKI projects since 1995
A sample of projects
DIABCARD-3 Smartcard held medical records for diabetes and cardiovascular diseases – Siemens – Austria, France, Germany, Greece
ISHTAR – secure healthcare telematics – R3 (now Entrust), Belgium, France, Germany, Greece, Netherlands, UK
More projects
TRUSTHEALTH I + II implementing PKI and TTPs in international healthcare– I – France, Netherlands, Norway, UK, Sweden– II – Belgium, Denmark, France, UK, Sweden
ICX – international commercial exchange for developing PKI supported trade – ICL, Shell International, Sweden Post, The Post Office
Commercial actions
Axenet announces a CA service for the French electronic marketplace in April 98
Brokat and iD2 integrate PKI and smartcards to provide encrypted payments systems complying with German digital signature law – November 1998
National examples
Finnish citizen card and electronic identification launched using the Finnish Population Register Centre as the CA and Helsinki Telephone Corporation as the directory. Valid for electronic exchange of information for official purposes.
National examples
Netherlands Data Protection office working with ICL/Fujitsu and others to deliver a PKI and smartcard based solution for the protection of healthcare information for access from and transport over the Internet
Commercial examples
Merita Nordbanken – Internet bank using PKI and smartcards
Bankgirot – Giro bank using PKI to support Corporate payments system
www.PKIForum.org