The need to protect customers' identity where the customer is required to identify themselves has resulted in robust sign-up processes for many B2C transactions. Typically, this will involve the customer supplying an email address, password and an MFA code for each time they log in. It may also require the customer to download and install a mobile app. This is cumbersome and unwieldy.There are also situations where someone may need to either demonstrate their identity OR confirm the identity of someone else rapidly and accurately. For example, first responders, medical professionals, travelers, consular staff, building trades people, couriers.

The ability to establish, demonstrate, customize and secure an individual identity will become more important as other sociological and economic trends continue (AI, Blockchain, KYC, AML, CDR, regulatory change, remote working). The key requirements are (1) trust (2) simplicity and (3) flexibility. Should Telstra succeed in establishing this primary position of identity provider it will have a huge advantage in offsetting commoditisation of network capacity. Other candidates include Australia Post, Big 4 Banks and superannuation funds. Telstra is best placed however and should lead a combined effort to partner with these organisations to provide a coherent solution.

Two customer segments are identified. Consumer consists of those customers who want a simple means to establish and forward their identity in a way in which the receiver can verify it remotely. Business segments include those who need to be able to verify an individual for regulatory purposes (eg as "Oracle" for Crypto exchanges).

Proposed is the following:

1. Telstra API: that consists of existing customer data including mobile service no, IMEI, home address, billing account, email address. It also includes additional fields that support the interaction with Partners and the DAO.

2. Telstra Mobile Application: This is the primary means by which users interact with "IdMe". It will enable users to establish and maintain their profile, as well as forward subsets of this profile as required. A POC of a mobile App developed using a Java based IDE is proposed here.

3. Decentralised Autonomous Organisation (DAO): This is the primary mechanism where the users identity is established and maintained. It is also the mechanism by which information is shared between Telstra and Partners that add "credentials" to that identity. An Algorand Blockchain and Smart Contract is chosen here.

Combined these will be used demonstrate how customers identity can be protected while also making it easier to establish their identity when necessary...