It remains one of the biggest questions in the digital world: how do you know if someone really is who they say they are? The current solution is that everyone has to create accounts everywhere and remember dozens of passwords. That is not easy and, moreover, these accounts are often vulnerable. iDIN must remedy this, so that every website now knows who you are.
It is important for everyone to be able to log in securely these days and we do so en masse, usually with passwords. It has been amply proven to be crackable, which makes this type of login anything but perfect. At the initiative of the Dutch Payments Association, a new identification system has been set up in collaboration with banks to serve as a universal login method: iDIN.
iDIN uses the same system as iDEAL. When you come to a site where you can log in with iDIN, select your bank and log in as you would in your online banking environment. At ABN AMRO, for example, this is done with the help of your bank card and E.dentifier, at ING you log in with your login details and a tan code.
There are not many websites that support this yet, but where it is already possible, you can recognize this by the iDIN logo. This is quite similar to the iDEAL logo.
Before you can use iDIN, you have to activate the function at some banks. For example, ABN AMRO has an explanation page on how to do it log in with iDIN enabled. Consult the website of your own bank to find out how you can log in with iDIN. Note that not all banks yet support iDIN. But the following does:
– ABN AMRO
– ING
– Rabobank
– SNS
– ASN Bank
– RegioBank
– Triodos Bank
When you log in with your bank details, your bank shows which details the relevant website wants. Via iDIN, only your name, age, address and citizen service number (BSN) can be requested by the relevant site.
Because iDIN works through banks, having an individual account with a bank is a requirement, a business or shared account does not work. It must be an account in your name.
Where can you log in with iDIN?
Logging in with iDIN only works on a limited number of websites, because not every institution can simply use iDIN as an identification or login method. The institution or company must first submit an official application which must then be approved.
Naturally, the General Data Protection Regulation (GDPR) must also be complied with. The shared user data may not be shared with third parties and must be stored securely. In addition, the data must be deleted again if the company or institution has no clear reason to keep the data.
Currently, it is mainly insurance companies and mortgage advisers who log in or allow identification with iDIN. The complete list at the time of writing is: Aegon, Aevitae, Allianz, Ardanta, ASR, BKR, Florius, FREO, Interbank, Mobiel.nl, Nederlandse Loterij, ONVZ Zorgverzekeraar, Peaks, Rabobank Hypotheken, Reaal, Safebay, Stichting Online Betalen and Wooncompagnie.
Buy alcohol?
A widely described application of iDIN is checking the age of a customer who buys alcohol online. According to the law, alcohol may only be sold to consumers who are 18 years of age or older, but in practice this proved difficult to maintain when purchasing online. Since most people over the age of 18 do have their own account number, iDIN could be a solution to this problem.
A person who buys alcoholic refreshments online does not have to indicate his age by logging in with iDIN, and can therefore no longer smuggle. Obviously, only your age is shared with the store. Of course, a liquor store does not need your social security number.
Difference with iDEAL
Although iDIN and iDEAL work in a similar way and both use your bank’s login details, there is a big difference between the two. iDIN cannot pass on payment details. The account number cannot be viewed and transferring money is also not possible. iDIN is only intended to identify you.
If you want to authorize your insurer or another service to debit a payment, an iDEAL confirmation will still be requested.
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