brokerage 2007 presentation regulation

Legal and regulatoryresearch

Jos Dumortier

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Core Research Areas

The Networked Individual

Access To And Control Of Information

Information Security And Trust

Information Transport – Electronic Communications

The Electronic Society

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1. The Networked Individual

The Citizen

The Patient

The Consumer

…

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Example: the Citizen

E-Government: collect data onceand re-use them subsequentlyfor all government services

Data protection legislation: onlyuse personal data for specificpurpose for which they havebeen collected

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Discussion: Legal limitations for the use of uniqueidentifiers

Belgium: prohibition to usenational number without specificpermission

Belgium: promotion of e-ID (withnational number) for privatetransactions

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How to validate electronic signatureswithout “using” the national identifier?

Discussion:

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Similar problems

The Patient

Legal principle: collect datadirectly from the patient

E-health platforms: sharinghealth data (BeHealth,Flemish Health InformationSystem)

The Consumer

Legal principle: no directmarketing without consent

Personalisation technologies:proposed legal framework forRFID

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2. Information: Access & Control

Content Regulation

Intellectual Property Rights

Public Information: Access & Re-use

Geographical Information Systems

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Example 1: New legislation on re-using publicinformation

European Directive: promote re-use of government-ownedinformation in commercial applications

Example: company register (KBO)

Belgium: no re-use of personal data withoutanonymisation

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Example 2: Geographical information and personal data

ROP (DORO 18/05/99)

Discussion: Can we publish the list of building lots (bouwgronden) onthe Internet (without the land register number or the name of the landowner)

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Opinion Privacy Commission 27/09/2006

Maps of building lots contain personal data!

• personal data: all data containinginformation on an identifiable person

• identifiable: every person who can beidentified directly or indirectly

• land owners are (very often) naturalpersons

• via a map or an aerial photograph the nameand address of the land owner can bediscovered

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Conclusion Privacy Commission 27/09/2006

- the Register of Building Lots (ROP) has aspecific purpose (administration)

- publication of these data on the Internet is not compatible with this purpose

- OK for publication of aerial view but only on1/50,000 scale and without possibilities for interactive selection

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3. Information Security & Trust

Electronic Signatures

Digital Preservation

Cybercrime

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“Writing”

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Example 1: Electronic employment contract

Draft law: possibility to concludewritten employment contracts inelectronic form Signature by means of e-ID Or by « equivalent » means

Employer should guarantee theelectronic archival of the contract viaan accredited trusted archivalservice provider (draft law)

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Example 2: Trusted Third Parties

Draft law: Legal status of TTPs Electronic archiving Electronic time stamping Electronic registered mail

Legal value of documents ortransactions can be made dependentof quality conditions

Voluntary accreditation: independenttechnical auditors

Evaluation profile: to be drafted bytechnical working group (withinFedict)

Commission for Trusted Services:deals with complaints

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Example 3: Preservation of invoices

In principle: 2 originals , 7 years(private consumer: 5 years)

Preservation in Belgium, orelsewhere in the EU (subject toon line access)

Authenticity and integrity mustremain guaranteed

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Digital archiving of paper invoices

Permitted by law since January 2006

Also valid for (« old » invoices) Example: scan all my invoices of 2005

Only valid scans from original invoices (not from parallel files)

If invoice refers to order form: also scan the order form

Very important: scan results in a copy of the invoice

The authenticity and integrity of this copy should be guaranteed !!!

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How to guarantee that a copy is « authentic »?

Authentic: copy = original

Not possible by technological means

VAT-Administration: keep your paper invoices for 6 months (after the date ofscanning)

Example: I scan all my (paper) invoices of 2005 on 20 January 2007 – Keeporiginal paper invoices until 20 June 2007

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How to guarantee the integrity?

Scanning process: strict conditionsScanning software/configuration without edit/import possibilitiesScanning (always) recto/verso - If verso only contains General Terms (scan only

once)Keep original colors / Sufficient resolutionUnique identification number + date/time on the digital imageImmediately secure the digital image (advanced electronic signature or sealing

algorithm+WORM)Identification of the person who scansSecure scanning environment (protect access)Possibilty for immediate retrieval (ex. by unique number)Incoming invoices: first terminate the administrative process (or use OCR and keep

the data of the administrative process)Back upDocument the scanning process (describe company, hardware, software, security

measures, etc…)

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First method: scanning + advanced electronic signature

Scan recto/verso Keep colors Minimum 300 dpi/24bit-colors/JPEG2000 Isolated scanning module (no edit/import facility) PDF or TIFF Automatically add unique id-number Add fields with id of operator, login name, date/time of creation, … Immediately secure with digital signature Outsourcing: certificate of outsourcer needed Retrieval using unique id-number of invoice Possibility to combine unique id-number with other identification data (needed to

process the result in ERP system) Minimum application: 1 subbook of incoming invoices for minimum 12 months

starting 1 January (or start accounting year).

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2. Second method: scanning + sealing algorithm

Compose seal: seal of previous invoice, invoice date, invoice number,scanning date, sequential nr, VAT numbers of provider/client, VATamount, total amount

Generate seal (algorithm) Store seal in a separate record with other data Link record with previous record Scan invoice Write seal on the digital image Store result on WORM disk Keep disks on Belgian territory

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4. Information Transport – e-Communications

access to communications networks and services

interconnection and interoperability

network integrity and security

radio spectrum allocation

universal service

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Example: Wholesale Line Rental (WLR)

Fact: introduction of competition in the market of “accessto the telephone network from a fixed location” is very slow

Remedy 1: carrier selection / carrier pre-selection

Remedy 2: local loop unbundling

Proposed remedy 3 (intermediate): wholesale line rental(doorverkoop van abonnementen)

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Convergence

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Convergence

Who is competent to regulate“converged” e-communications?

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5. The Information Society

e-Health e-Voting e-Business e-Government e-Learning e-Banking e-Justice …

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Example: Proposed Directive on Payment Services

Europe: harmonisation of strict rules for payment service providers(banks, credit card companies, etc.)

New evolution: payment via mobile phone (mobile operator becomesa payment service provider)

Example: m-banxafe (Belgium)

Discussion: from which stage will we apply the strict rules for paymentservices to mobile operators?

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Conclusion

IBBT: close interaction between:

Technical & User-OrientedR&D

Monitoring the RegulatoryFramework for ICT-Applications

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IBBT Research Groups