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Stripe Identity

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Re: Stripe Identity

#141
post #135
post #132

Earlier quoted context omitted.

A host asking you to do something is not Airbnb asking you to do something. I know in China, the host have to submit a copy of your passport to the government for regulatory reasons. I don't like and I don't want to travel to China for similar reasons (Government is constantly spying on you). But it is not fair to say Airbnb is asking you for your ID.

His point was that they lied about not retaining ID.

[deleted]

Re: Stripe Identity

#142

Has anyone used this? If so, how fast does it seem?

Verifications typically happen in 2 minutes, oftentimes 30 seconds (for common IDs like state driver’s licenses). And we’re working on making this faster!

Re: Stripe Identity

#143
post #46

Earlier quoted context omitted.

This almost proves that webapps are a competitive substitute to AppStores - making the consumer detriment very hard to prove in the current anti-trust framework.

how are mobile notifications on the web going for iOS?

Said it in another thread -- SMS's are a tangibly better user experience. You get to say stop in the moment, instead of searching through opaque settings... you can set DND to certain numbers for certain times...

The whole ecosystem is there and very few are playing with it.

Re: Stripe Identity

#144

This just won in terms of simplicity, ease of use and cost. Especially in the UK. There are no other competitors at this price point right now.

They are building a platform where other companies are clearly just selling a product.

Identity verification is definitely something that gets better with more data as more people use it. Pricing low to gain market-share is the obvious move for companies which don't have pressure to show immediate returns.

Maybe it shows a more general difference in ambition between companies in the UK to those across the pond.

Re: Stripe Identity

#146
post #132
post #60

I was once enticed by AirBnB's promise of "we don't store your ID data after validation" Few years down the line, it requested me to submit my ID data for a booking in China. All my ID data was pre-filled.

A host asking you to do something is not Airbnb asking you to do something. I know in China, the host have to submit a copy of your passport to the government for regulatory reasons. I don't like and I don't want to travel to China for similar reasons (Government is constantly spying on you). But it is not fair to say Airbnb is asking you for your ID.

> A host asking you to do something is not Airbnb asking you to do something.

It's not the host asking. In China, AirBnB does, it's a passport form in the app you can't skip.

Re: Stripe Identity

#147
post #50

Shout out to Stripe for translating all their web pages! When an HN post sends me to a Dutch page, it's always Stripe. 100% of the time.

That is assuming the translation is of high quality and sadly that is not always the case. I am a native Spanish speaker and for the life of me I cannot understand most of the "Spanish Version" technical pages I read.

I work at Stripe, though not on the L10N/I18N or identity teams. It would be tremendously helpful if you could send me some feedback so that we can improve, jlh at stripe dot com.

I'm a native Spanish speaker too, and nothing in this announcement strikes me as unintelligible, but that might be my own biases at play given the familiarity with Stripe's lingo.

Re: Stripe Identity

#148
post #140

Earlier quoted context omitted.

Discord uses it to verify the identity of bot makers - my understanding is that bots have been abused for a long time for data collection (think logging when users come online, go offline, change status, etc).

I don't get it. They're concerned about people abusing the system, and their solution is... requiring KYC? How does that solve the issue? It sounds like bot makes can still passively collect the info, it's just that when it gets discovered they can point to a real person to blame. Moreover, why do bots even need to know the online/offline status of users? Why not add a permission system so users can opt in/out of pro…

It lets them hold the bot author legally liable for malfeasance, which is difficult if you’re only a throwaway Gmail address.

Re: Stripe Identity

#149

I really despise this trend of uploading your ID and a selfie for verification. I know it makes sense in some legal frameworks, but beyond that I find it invasive and risky (and rude.)

It’s not really a “trend”—if you think about it, ID verification is already required when checking into hotels, buying alcohol, or when visiting a bank teller. As more commerce moves online, Stripe Identity was built to significantly reduce the number of organizations and humans that would touch your ID—in a faster, secure way that’s hosted by Stripe ( https://support.stripe.com/questions/common-questions-about-... )…

Why are you shilling the product you made out of data collection and surveillance if it isn't trendy? What other value proposition is there?

Re: Stripe Identity

#150

Earlier quoted context omitted.

No. 1. Stripe cares tremendously about and knows the importance of security—we’ve learned a lot from securely processing hundreds of billions of dollars in payments annually, and Identity is built from those learnings. ( https://stripe.com/docs/security/stripe ). 2. Any biometric identifiers that are created to perform the verification are never stored or retained—they are fully removed from all of our systems within…

> We will typically store the rest of your submitted identity information for 3 years. This includes all images captured, extracted data from your ID document including name, date of birth, and ID number, and any information submitted via forms such as name, date of birth, SSN, email, and phone number, and the verification response. That doesn't make me feel a lot better. :( The images are enough to generate biometri…

We are very specific about collecting consent before doing anything with your data. We ask for permissions before beginning the verification process, and if you consent, we will only use your biometric identifiers for the verification itself. (And again, those identifiers—which contain the most sensitive info—aren't stored.) Specifically, we ask for an additional level of permissions before conducting any additional biometric analysis. https://support.stripe.com/questions/common-questions-about-...
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