Insurers Need a New Legal Toolkit
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Insurers Need a New Legal Toolkit

Guy Huntington Guy Huntington

Guy Huntington

Trailblazing Human and Entity Identity & Learning Visionary - Created a new legal identity architecture for humans/ AI systems/bots and leveraged this to create a new learning architecture

发布日期: 2021年12月31日
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Updated April 21, 2024

This brief article dives into the waters of legal identity for both humans and bots, as well as contract law. It's underlying premise is the insurance industry, given the rapid tech changes the planet's going through, can't mitigate its risk using the old legal identity and contract law toolkit.

The Times They Are a Changin'

In 1964 Bob Dylan wrote the above as a song of change. Not quite 60 years later, the pace of change is rapidly increasing due to technology depicted by this curve.

We now live on a very small planet, with us being able to interact digitally anywhere on the planet. Further, the arrival of AI leveraged smart digital identities of us, plus nanobots, microbots, digital bots, physical large bots and AI systems, is causing a fundamental shift similar to when the internet and cell phones showed up.

Risk is a Changin'

While we leverage the tech to rethink how we live, interact, socialize, do business, learn, health, etc., it brings with it new risks. Like what?

Old Legal Toolkit No Longer Works Well

All the above means our old, jurisidictionally built, legal identity framework now no longer works well.

In many of the above articles, it also speaks to us requiring the ability to create legal consent contracts on the fly. To see examples and discussion of this, skim these articles:

Architectures Addressing This

It Requires Jurisdictions to a Changin' Their Ways

Here's the challenge with implementing the above. It requires local state/provincial jurisdictions to change their ways, since typically they're where legal identity is created.

I've led a government's digital citizen identity & authentication project. So I realized how politically challenging it would be. Thus, I created the above architecture, allowing them to still keep control of their local legal identity processes, but be part of a global legal identity framework.

The architecture includes a one-time subsidy payment from the feds to each state/province to rapidly convert their CRVS systems of between $500-900 million. Skim to pages 324-326 in “Cost Centres Rethinking Legal Identity Learning Vision”

Criminals and the Tech Curve

The tech curve referenced above, hypothetically means, EACH HOUR, criminals can leverage the curve to create new attack vectors, against not only the tech used in legal identity, but also the governance, business processes and end users. I've led several large global identity projects and realized, when I saw the curve, that it creates new security risks.

I have a premise that only the largest companies and countries around the planet have the resources, expertise and budgets to continually defend against the curve i.e., the rest of us don't. Thus, we'll be repeatedly, successfully attacked as criminals masquerade as us using our legal identities.

Thus, the architecture is designed to create a new, well funded, global independent, non-profit who's job it is to do 24x7x365 threat analysis against the legal identity framework, constantly issuing rate threats. Thus, a very low risk might take months or longer to address, while a very high risk means us, governments, companies et al must respond within hours. This is how to bring current industry best practices to the world of legal identity. It also reduces your insurance risk.

Insurers - Help Yourselves

You require a new legal toolkit to mitigate your rapidly emerging new risks. Thus, to help yourselves, it's in your own interests to lobby/leverage your jurisdictions in which you operate to change their ways.

Architectures & Costs Required For Governments

My Message To Government & Industry Leaders

Summary

Yes, it's complicated. Yes, it requires lots of political maneuvering. But you, as insurers, have your revenue streams and your legal butts on the line in fast changing times.

The song lyrics aptly sum up this article; "Then you better start swimmin' or you'll sink like a stone, for the times, they are a-changin'." Standing still, looking backwards to judge what's coming at us, isn't an option.

If you'd like to chat with me about this, then please contact me.

About Guy Huntington

I'm an identity trailblazing problem solver. My past clients include Boeing, Capital One and the Government of Alberta's Digital Citizen Identity & Authentication project. Many of my past projects were leading edge at the time in the identity/security space. I've spent the last eight years working my way through creating a new legal identity architecture and leveraging this to then rethink learning.

I've also done a lot in education as a volunteer over my lifetime.?This included chairing my school district's technology committee in the 90's - which resulted in wiring most of the schools with optic fiber, behind building a technology leveraged school, and past president of Skills Canada BC and Skills Canada.

I do short term consulting for Boards, C-suites and Governments, assisting them in readying themselves for the arrival of AI systems, bots and AI leveraged, smart digital identities of humans.

I've written LOTS about the change coming. Skim the?over 100 LinkedIn articles?I've written,?or my webpage?with lots of papers.

Quotes I REALLY LIKE!!!!!!:

  • We cannot solve our problems with the same thinking we used when we created them” – Albert Einstein
  • “Change is hard at first, messy in the middle and gorgeous at the end.” – Robin Sharma
  • “Change is the law of life. And those who look only to the past or present are certain to miss the future” – John F. Kennedy

Reference Links:

An Identity Day in The Life:

My Message To Government & Industry Leaders:

National Security:

Rethinking Legal Identity, Credentials & Learning:

Learning Vision:

Creativity:

AI Agents:

Architecture:

AI/Human Legal Identity/Learning Cost References

AI Leveraged, Smart Digital Identities of Humans:

CISO's:

领英推荐

Companies, C-Suites and Boards:

Legal Identity & TODA:

Enterprise Articles:

Rethinking Enterprise Architecture In The Age of AI:

LLC's & AI:

Challenges With AI:

New Security Model:

DAO:

Kids:

Sex:

Schools:

Biometrics:

Legal Identity:

Identity, Death, Laws & Processes:

Open Source:

Notaries:

Climate Change, Migration & Legal Identity:

"Human Migration, Physical and Digital Legal Identity - A Thought Paper”

Fraud/Crime:

Behavioral Marketing:

AI Systems and Bots:

Contract Law:

Insurance:

Health:

AI/AR/VR Metaverse Type Environments:

SOLICT:

EMP/HEMP Data Centre Protection:

Climate:

A 100,000-Foot Level Summary Of Legal Human Identity

  • Each person when they’re born has their legal identity data plus their forensic biometrics (fingerprints, and later when they can keep their eyes open – their iris) entered into a new age CRVS system (Civil Registration Vital Statistics - birth, name/gender change, marriage/divorce and death registry) with data standards
  • The CRVS writes to an external database, per single person, the identity data plus their forensic biometrics called a SOLICT “Source of Legal Identity & Credential Truth).?The person now controls this
  • As well, the CRVS also writes to the SOLICT legal identity relationships e.g. child/parent, cryptographically linking the SOLICTs.?So Jane Doe and her son John will have cryptographic digitally signed links showing their parent/child.?The same methodology can be used for power of attorney/person, executor of estate/deceased, etc.
  • The SOLICT in turn then pushes out the information to four different types of LSSI Devices “Legal Self-Sovereign Identity”; physical ID card, digital legal identity app, biometrically tied physical wristband containing identity information or a chip inserted into each person
  • The person is now able, with their consent, to release legal identity information about themselves.?This ranges from being able to legally, anonymously prove they’re a human (and not a bot), above or below age of consent, Covid vaccinated, etc.?It also means they can, at their discretion, release portions of their identity like gender, first name, legal name, address, etc.
  • NOTE: All consents granted by the person are stored in their SOLICT
  • Consent management for each person will be managed by their PIAM “Personal Identity Access Management) system.?This is AI leveraged, allowing the person, at their discretion, to automatically create consent legal agreements on the fly
  • It works both locally and globally, physically and digitally anywhere on the planet
  • AI systems/bots are also registered, where risk requires it, in the new age CRVS system
  • Governance and continual threat assessment, is done by a new, global, independent, non-profit funded by a very small charge per CRVS event to a jurisdiction to a maximum yearly amount.

A 100,000-Foot Level Summary Of The Learning Vision:

  • When the learner is a toddler, with their parents’ consent, they’ll be assessed by a physical bot for their learning abilities.?This will include sight, sound, hearing and smell, as well as hand-eye coordination, how they work or don’t work with others, learning abilities, all leveraging biometric and behavioral data
  • All consents given on behalf of the learner or, later in the learner’s life by the learner themselves, are stored in the learner’s SOLICT “Source of Legal Identity & Credential Truth”
  • This is fed into a DLT “Digital Learning Twin”, which is created and legally bound to the learner
  • The DLT the produces its first IEP “Individualized Education Plan”, for the learner
  • The parents take home with them a learning assistant bot to assist the learner, each day, in learning.?The bot updates the DLT, which in turn continually refines the learner’s IEP
  • All learning data from the learner is stored in their LDV “Learner Data Vault”
  • When the learner’s first day of school comes, the parents prove the learner and their identities and legal relationship with the learner, via their LSSI devices (Legal Self-Sovereign Identity)
  • With their consent, they approve how the learner’s identity information will be used not only within the school, but also in AI/AR/VR learning environments
  • As well, the parents give their consent for the learner’s DLT, IEP and learning assistant bot to be used, via their PIAM (Personal Identity Access Management) and the learner’s PIAM
  • The schools LMS “Learning Management System” instantly takes the legal consent agreements, plus the learner’s identity and learning information, and integrates this with the school’s learning systems
  • From the first day, each learner is delivered a customized learning program, continually updated by both human and AI system/bot learning specialists, as well as sensors, learning assessments, etc.
  • All learner data collected in the school, is stored in the learner’s LDV
  • If the learner enters any AI/AR/VR type learning environment, consent agreements are created instantly on the fly with the learner, school, school districts, learning specialists, etc.?
  • These specify how the learner will be identified, learning data use, storage, deletion, etc.
  • When the learner acquires learning credentials, these are digitally signed by the authoritative learning authority, and written to the learner’s SOLICT.
  • The SOLICT in turn pushes these out to the learner’s LSSI devices
  • The learner is now in control of their learning credentials
  • When the learner graduates, they’ll be able, with their consent, to offer use of their DLT, IEP and LDV to employers, post-secondary, etc.?This significantly reduces time and costs to train or help the learner learn
  • The learner continually leverages their DLT/IEP/LDV until their die i.e., it’s a lifelong learning system
  • IT’S TRANSFORMATIONAL OVER TIME, NOT OVERNIGHT

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