What is the CheckD Data Wallet?

CheckD Data Wallet is a sophisticated digital tool designed for the management and sharing of information.

It enables everyone to own, use and share their data. Just as a payment wallet lets you push money out of, and receive data into, bank accounts, CheckD Data Wallet lets you “push” data out of, and receive data into, data accounts.

Product Features

Full legal ownership empowers users to take control of their data: With the CheckD Data Wallet, users have full legal ownership of their data. But ownership is just the beginning—it’s equally important to know where and how the data can be used and reused to unlock its full potential and enjoy meaningful benefits.

Badges empower users to leverage their data: The CheckD Data Wallet allows users to apply their data to authenticate “badges” issued by others. Badge issuers can define the rules and prescribe the data for the badges. Once authenticated, badges allow badge holders to receive offers from badge issuers and others.

Badges to share data: Each badge comes with a unique QR code that enables third-party validation for seamless use. Badge holders can also conveniently share data prescribed by the badge to ”push” data to another Data Wallet user.

CheckD connections allow more data into the CheckD ecosystems. Using CheckD connections, users can acquire more data from their accounts associated with banks, schools, governments and other institutions. With more connections, more types of badges can be issued, authenticated, and used, unlocking greater benefits for everyone.

Badges can be conveniently issued from inside the Data Wallet: Users can create a badge for their own groups for purposes of giving an ID card, record an achievement or to present the badge as proof of an activity - all from within the Data Wallet.

Badges can be authenticated by other Data Wallet users: Users can be appointed to be an “authenticator” to confirm that a badge is true about another person, for example, confirming that the person is in the room, attending a class.

Data Wallets can be used to validate badges and receive data: Users can use the Data Wallet to check a badge for validity and receive information from other Data Wallet Users.

What can the CheckD Data Wallet be used for?

The CheckD Data Wallet can be used by presenting badge QR codes for:

• Attendance Management

• Proof of Activity

• Membership IDs

• Age or Citizenship verification

• Proof of income or credit worthiness

• Sharing verified medical records

• Sharing verified education records when applying for jobs

• And loads more!

What is unique about CheckD Data Wallet?

The CheckD Data Wallet is unique because getting data into the data wallet account is separated from the use of the data through badges and both getting and using the data is separated from the ownership of data (which is owned by the Data Wallet user).

Where do users go to start using CheckD?

Getting and using a CheckD Data Wallet is easy and fast. Go to CheckD.io to sign up. Users will be provisioned with a universal ID and a personal data account to store their data. Once registered, they can start enjoying the benefits of their Data Wallet!

How do Data Wallet users know what badges and data are available?

Badges are available in “My Badges” section of the Data Wallet. When new connections to acquire verified data become available, it will be shown in the “My Data” section for badge holders. Badge issuers can choose the data they wish to prescribe for their badges from the data available from these connections.

What does it mean “users own their data”?

It means that Data Wallet users legally own the IPR (intellectual property rights) of the data in their Data Wallet account and are legally allowed to license the data.

Is it safe to own and share data?

Yes. The privacy, safety and security of data usage is the most important aspect of the Data Wallet. Data at rest is distributed to individually owned data servers with their own keys and data sharing is fully encrypted end-to-end, going only to the other party’s Data Wallet Account. In addition, we have also put safeguards to ensure you know exactly whom you are transferring your data to, especially if you are sharing personal identifiable information.

It is also safer for users to own data because the distributed data means hackers cannot target one database to get the data of millions of users. Owning our data makes the Internet more secure.

How does the CheckD Data Wallet work?

For Badge Holders

My Data: Data Wallet Users has multiple Data Profiles housed in the “My Data” section of the wallet. This is where you can enter essential information that can be used and re-used. Data profiles could come from data sources that can be acquired by users into their CheckD Data Wallet account, for example a bank data profile can contain with full name, credit score, date of birth; medical records with allergies, employee records with income.

Once users have data in their data profiles, they can apply it to badges.

My Badges: A badge is a digital card or certificate which can be used to prove identify, information or activity. When users apply the data they own to badges, they authenticate the badge. Once a badge is authenticated, the badge would have a QR code and users can use it to:

• prove identity

• provide verified information e.g. medical records from health systems to insurance systems

• fill in forms e.g. attendance

• gain access to privileges e.g. VIP entry

Badges are blank templates that become authenticated when users apply their data to them.

Can you give me an example?

Let's say that you are attending an event that asks you to fill in a registration form. The event organizer has created a badge called “event attendee” and have prescribed name, email and LinkedIn profile for the badge. You can apply yourname, email and LinkedIn URL from their CheckD Data Profile to the badge to authenticate it. When they get to the event the organiser can scan your badge QR code and you can then “push” the data to the organiser for registration.

Another more complex example is regarding banking. Using CheckD connections, you may have filled your data wallet with your bank account data which contains date of birth and full name. You can then apply the bank-verified date of birth to authenticate a badge called “Legal for Drinking in USA” issued by the bars association. Once authenticated, you can see offers from the bar association and the authenticated badge can be presented to bars in the US for them to scan the badge QR code and validate that you are above the legal age for drinking. Essentially, that means that bank-verified age data owned by users can be used to prove that they can drink at bars without giving any further ID.

Is there more?

Holding and using badges isn’t the only thing Data Wallet Users can do! With the same Data Wallet, users can also be a badge issuer, authenticator and validator.

For Badge Issuers

My Community: Data Wallet users can create their own community and their own badges in the Data Wallet.

What kind of badges can be issued?

Data Wallet users can issue:

• ID badges for clubs or associations.

• Attendee badge to take attendance.

• Activity badges such as confirmation of a visit to the career office for students or attended a workout session for fitness customers.

• Milestones or outcome badges to supporters when a collective outcome has been achieved by the group, such as clearing 1000kg of plastic from the beach or collectively losing 100kg in total weight.

• Information bundle badges for patients such as a bundle of medical records for claiming insurance or a set of health, diet and fitness data to participate in a research trial.

• Audience badges for personalized experiences such as Theme Park or Celebrity Fan badge.

• Loyalty badges for rewarding repeat customers.

• Form badges for reusing data to fill forms.

• Credential badges for presenting verified information such as verified age, income, full name, nationality, employer, degree, credit score.

What kind of data can be prescribed for badges?

Any kind of data!

• Non verified, user entered data such as name, age, mobile number, social media links can be prescribed for badges on form filling, registering attendance or networking.

• Source data from banks, schools, hospitals, employers and governments can be used on credential badges to apply for jobs, get a benefit or a grant.

• Social media data from Facebook, Instagram or LinkedIn can be used on community or audience badges such as “Digital Nomads”.

• GPS location data can be used on geo location badges such as “Around London”

• Verified data notarised by lawyers or government can be used on badges that checks identity to apply for accommodation or to get a bank account.

Which commercial uses can CheckD unlock to create new revenue streams for badge issuers?

Badge issuers can:

• Create private badges and charge private validators when their badge holders use the badges. This is often used for charity support badges and validations to enable merchant donation.

• Create public badges that are chargeable for validation. This can be used for valuable badges such as credit scores or identity checks.

• Create chargeable “quests” for the use of multiple badges by badge holders or other stakeholders. This is often used to track work flows.

• Charge other issuers to create badges in a large community. This is often used by event organisers with their exhibitors.

• Create audiences with a badge and open up advertising to the badge audiences through badge offers. This is often used by marketing agencies.

• Run loyalty programs with badges.

Contact our CheckD Sales team on our commercial use cases.

Must the data be in the Data Wallet before a badge is issued?

No. However, the CheckD connection for Data Wallet Users to acquire their data must have been created to prescribe the data for a badge. When Data Wallet users authenticate the badge, they would be redirected to acquire their data which would then authenticate the badge. Of course, if badge holders have already acquired the necessary data, the badge would be authenticated immediately.

Must all data in the CheckD Data Wallet be verified?

No. Even with simple CheckD profile data entered by Data Wallet users themselves, badges can be issued to fill forms, register attendance or sign up to events. These badges help Data Wallet users reuse their data and save them time.

Where is the data actually stored?

CheckD uses an advanced technology built by Dataswyft in collaboration with 10 UK universities and >$50m of U.K. research grants. The technology enables Data Wallet Users to own their own data server called a HAT Microserver and their own server database hosted by Dataswyft Data Infrastructure Platform on Amazon Web Services. Users’ databases are each compartmentalised into “personal data accounts” (PDAs) where different apps (including CheckD) can store their data. CheckD enable users to move and use the data safely and securely when they choose to.

What happens to the data received by another Data Wallet user?

The data received is stored in the CheckD inbox of the user’s Data Wallet account. The data received is only what is stated. This data can be downloaded or queried by another system owned by the same user but the user is legally obligated to only use it for the purpose stated on the badge.

Can the data be transferred across borders?

Yes, CheckD Data Wallet users own their data so they can use and transfer their data in the Data Wallet the same way as using their own laptop and emails to transfer their data.

What kind of analytics is available for badge issuers?

CheckD Data Wallet v3.0 onwards will enable badge issuers to view their badge usage in terms of authentications, validations and data sharing. The analytics data will not identify badge holders but badge issuers can view the activity of the badges and the validators they appoint.

Can a badge be used outside of CheckD Data Wallet app?

Yes, CheckD is fully interoperable and badges can be displayed on any app that data wallet users are willing to share their data with. Talk to our studio team on how your app can receive and give data through the CheckD Data Wallet.

For Badge Authenticators

Instead of a badge being authenticated by data in the Data Wallet, a badge issuer could appoint another Data Wallet user to be an authenticator of a badge. This means that other Data Wallet users could come to a Data Wallet user and ask that user to authenticate their badge.

How does that work?

For example, if you are a career counselor, students may have a badge called “Ready for Work” which requires them to set up their CV with a career counselor. In this case, the college could have appointed you as the authenticator of the badge. In your Data Wallet, you would see the badge and you would need to present your authenticator QR code for students to scan so that their “Ready for Work” badges can be authenticated.

For Badge Validators

The Data Wallet is also used to validate badges.

What is badge validation?

Validating a badge is scanning the QR code of a badge to validate that the badge is true. All that needs to be done is for a Data Wallet user to scan the badge QR Code of a badge holder and receive confirmation (or not) on the validity of the badge.

Not all badges can be validated by any Data Wallet users. Some private badges are only validated by users appointed by the badge issuers.

More questions?

Reach out for help with our Tech Concierge