Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

okfn.de

Post reply on HN
Print view View original

81–85 of 85 posts

Re: OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

#81

Post by aluhut »

vavoida wrote: post #22
aluhut wrote: post #17

Earlier quoted context omitted.

Is Bertelsmann a competitor? Nevermind, just read it below: https://en.wikipedia.org/wiki/Arvato

btw. we are requestion infoscore aka Bertelsmann - data see stats https://okfn.de/blog/2018/02/openschufa-english/#update

Why don't they just deliver them to you? I'm sorry but this is highly sensible data and the "where does the money come from" caution is the first line of defense a normal user has. Most of the time it is the only one.

Partnering with Bertelsmann here was a huge mistake. It questions not only data security it questions this first line of defense.

Think about it, how am I supposed to tell somebody to give their data to you when I already told them to look for the money first? I'd make myself and my methods unbelievable, incoherent and probably corrupted.

This is really terrible because this research is necessary and important but I hope you understand that I will neither support it nor recommend it...

Re: OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

#82

Post by expertentipp »

guitarbill wrote: post #70
expertentipp wrote: post #36

Earlier quoted context omitted.

Why you're immediately teasing UK? They are exception in this regard. I'm talking about national IDs which most other EU (all but UK?) countries are issuing. Yet SCHUFA clearly demands passport in their instructions. In 6 different languages, 4 of which are official languages of the EU.

Maybe because they opted to scrap ID cards for stupid, vague reasons such as "reducing bureaucracy" and "civil liberties". Meanwhile, the de-facto method of ID is a driving license (which is useless for travel), or the national insurance number (similar to a social security number in the US) + other stupid forms of "ID" such as utility bills are used instead ubiquitously. The problem with the NIN (like the SSN) is th…

Well at least the decent, law-abiding people have their power handed back to them:)... how come IBM is always involved... public IT project? IBM is already there, granted. They are Google/Facebook for public sector, i.e. they manage personal profiles (in fact very sensitive data) on behalf of authorities in too many countries across the world.

Re: OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

#83

Post by anc84 »

jpalomaki wrote: post #68
anc84 wrote: post #55

Earlier quoted context omitted.

I know what the reports contain. And I do not see how you could gather any meaningful insights from it.

It is very likely that there is relatively simple formula that maps the input data to credit scores. Given enough inputs and outputs, you can figure out the formula.

I don't see them collecting enough relevant inputs.

Re: OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

#84

Post by vavoida »

aluhut wrote: post #81
vavoida wrote: post #22

Earlier quoted context omitted.

btw. we are requestion infoscore aka Bertelsmann - data see stats https://okfn.de/blog/2018/02/openschufa-english/#update

Why don't they just deliver them to you? I'm sorry but this is highly sensible data and the "where does the money come from" caution is the first line of defense a normal user has. Most of the time it is the only one. Partnering with Bertelsmann here was a huge mistake. It questions not only data security it questions this first line of defense. Think about it, how am I supposed to tell somebody to give their data to…

we, the OKFDE, have no partnership with Bertelsmann our partner, algorithmwatch, has - independently from this project - funding from Bertelsmann Stiftung

again the data is first delivered only to the user, afterwards he/she can decide what to do

glad we agree that the issue is important

Re: OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

#85

Post by vavoida »

anc84 wrote: post #83
jpalomaki wrote: post #68

Earlier quoted context omitted.

It is very likely that there is relatively simple formula that maps the input data to credit scores. Given enough inputs and outputs, you can figure out the formula.

I don't see them collecting enough relevant inputs.

We will see.
Post reply on HN