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Originally Posted by me283
But we don't know exactly how much this type of fraud costs... people claiming under multiple identities etc. It's only when they are found out that we know how much people have scammed. Also, the cost of fraud is constant or increasing; the cost of the ID scheme would be partly a startup cost, partly maintenance. All I am saying is that whilst there will be an initial outlay, there could also be some financial benefits too.
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Well according to the faq site that was linked to
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In evidence to the Home Affairs Committee, the Parliamentary Under-Secretary at the Department of Work and Pensions, Chris Pond MP, confirmed that false identity represented a tiny fraction of the benefit fraud problem. He said his Department advised that of the estimated £2 billion total annual benefit fraud, £50 million came from people not being who they said they were when making a claim.
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£50mill ion is a lot of money, and as the site says a bit later, the ID card scheme would cost several times that to impliment, however if it could wipe out that type of fraud, then that's £50 million a year saved each year.
And with your financial information on record and referencable through the ID system, they're more likely to be able to tackle more of the £2billi on other fraud (course the site didn't say that bit).
Benifits to me of a
well thought out and properly implimented ID card system (ie not the one Labour are wanting to impliment) :
Replaces my driving licence so replaces all the benifits of that, such as evidence of address, DoB, ability to drive legally.
Tied in with a biometric passport, I'll be able to just use my hand print or iris recognition at passport control making it much quicker and easier (works well in Israel)
Intergrated with my credit and debit cards I get the security of the card and biomentrics being referenced together against the database.
If someone steals my card, well tough, without my eye or hand it's useless.
And that ladies and gentlemen is how security should work, with multiple points of reference.
Somoene makes a forged card, gee, that's nice, the details on the database won't match, the biometrics won't match.
Sure it might get them into a bar where the only security check is a visual comparison of the photo with your face, but with something goverment backed, which references the database, then they'll have issues.
The photo on the card might match the face, but the photo in the database won't, or the biometrics.
For credit checks, queries can be sent to the database for comparison, where it doesn't give out the data but checks what you've told the crediter and give a match or no-match result. That way they aren't able to access your info directly.