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70 points jwally | 2 comments | | HN request time: 0s | source

So I'm not an expert in this area, but here's an attempt at cost effective, anonymous, age verification flow that probably covers ~70% of use cases in the United States.

The basic premise is to leverage your bank (who already has had to perform KYC on you to open an account) to attest to your age for age-restricted merchant sites (pornhub, gambling, etc) without sharing any more information than necessary.

Flow works like this:

1) You go to gambling.com

2) They request you to verify your age

3) You choose "Bank Verification"

4) You trigger a WebAuthn Credential Creation flow

5) gambling.com gives you a string to copy

-------------

6) You log into your bank

7) You go to bank.com/age-verify

8) You paste in the string you were given

9) The bank verifies it/you and creates a signed payload with your age-claims (over_18: true, over_21: false)

10) You copy this and go back to gambling.com

---------------

11) You paste the string back into gambling.com

12) You perform WebAuthn Auth flow

13) gambling.com verifies everything (signatures, webauthn, etc)

14) gambling.com sets a session-cookie and _STRONGLY_ encourages you to create an account (with a pass key). This will prevent you from having to verify your age every time you visit gambling.com

The mechanics might feel off, but it feels like this in the neighborhood of a way to perform anonymous age verification.

This is virtually free, and requires extremely light infra. Banks can be incentivized with small payments, or offer it because everyone else does and don't want to get left behind.

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djfobbz ◴[] No.45085155[source]
That's putting a lot of trust into banks. I don't like it. Just my personal opinion.
replies(1): >>45085229 #
jwally ◴[] No.45085229[source]
Fair enough.

Who is putting a lot of trust in the bank?

They're slimy af and would sell their grandma's pii for an extra dollar; but that can't happen here.

Bank doesn't know where you came from or where you're going; since you are the transport layer. Nothing of value for them to learn.

replies(2): >>45086121 #>>45087346 #
1. ImJasonH ◴[] No.45086121[source]
What incentive does a bank have to support this? The site and the user get what they want, and from the bank's perspective they got to freeload on the age verification the bank has performed (though admittedly they already had to anyway)
replies(1): >>45086617 #
2. jwally ◴[] No.45086617[source]
Same reason banks offer free checking.

Initially they could charge as a premium service, but eventually it would become a commodity. Not offering it would be weird.