Yet coming up with a good alternative is not an easy task. People have been thinking about it for years. In 2011, the Obama administration set up a center to look into the concept of a digital identity. After the Equifax breach, privacy and security experts have called for more funding to that program, the National Strategy for Trusted Identities in Cyberspace, to replace the Social Security number as an identification number in both the public and private sector. Part of that group has come up with a set of guidelines for the best practices for security, but even with improving identification and security technologies, no silver bullet has emerged for replacing this broken system.
The easiest way to understand why it’s so hard to find something that works is to lay out why Social Security numbers are such a bad option. One issue is that the numbers are widely distributed and, therefore, not at all private. You can hardly rent an apartment or apply for a job today without coughing up your SSN. Thanks to breaches, your number could be found nearly anywhere.
Second, they aren’t particularly secret. The first three digits are known to be a geographical code based on where you lived when you first registered for your number. (You can find those codes on Wikipedia, for crying out loud.) Another component for making a number? Your birth date, which is basically public information in an age of social media and endless forms.
So even if someone gets just part of your number, then it can be easy to figure out the rest. Researchers in 2009 wrote an algorithm that could predict a Social Security number correctly 44 percent of the time in the United States overall and as much as 90 percent of the time in smaller, individual states. And that was without having the last four digits — the numbers we most commonly give to companies and therefore at highest risk of breach.
Which brings us to another big issue with the SSN: It’s not easy to get a new one. The Social Security Administration lists fraud among the allowed reasons for obtaining a new number, but you have to submit proof of continuing harassment, plus other documents that prove who you are. In other words, you can’t change it as a preventive measure. When companies such as Equifax aren’t proactive or clear about telling users whether their information has been exposed, that leaves the average person in a lurch.
So, anyone looking to develop an alternative has a pretty clear mandate. Find something that’s easy to use. Find something more secure. Find something that can be replaced if it gets exposed in a breach. It’s not an easy bar to clear.
As for possible alternatives, one being floated around is biometrics. The strength of biometrics is that your face and fingerprints are uniquely yours — on a detailed level. (Even identical siblings have different freckles, scars, etc.)
But that’s also a weakness. Fingerprints are public, as Sen. Al Franken (D-Minn.) noted in a 2013 letter to Apple detailing concerns about its Touch ID scanners. We leave traces of our prints on everything we touch, and it’s easier for someone to grab your fingerprint than it is for them to force you to reveal your pass code. Our faces are also quite public, especially in the age of social media — a point Franken brought up again last week after Apple introduced Face ID.
Plus, if one strike against Social Security numbers is that they’re hard to replace, think of how much worse that problem could be for biometrics.
Another alternative is a technology known as blockchain, which creates a public ledger of transactions. Estonia uses a form of blockchain technology — which powers cryptocurrencies such as bitcoin — as the backbone for a digital ID system its citizens use for medical services, travel checkpoints and even for voting.
One appeal of blockchain is that individuals would know when their number was being used because the technology allows for transactions to be logged publicly, said Daniel Riedel of the security and automation data firm New Context. Unlike our current system, blockchain would notify you when requests for your number come up and could let you block transactions. But, Riedel said, the United States would need to develop its own system like Estonia’s. That would require significant research and investment to build and make available to everyone.
Others — particularly in the health sector — have suggested a simpler, unique national ID number, similar to what other countries, such as the United Kingdom and Japan, use for their national health services or for central identification. But simply proposing a new number could lead to the same issues we have with Social Security numbers. That idea also worries those who fear that we’d be giving the federal government too much power.
And it doesn’t sit easily with some privacy experts. “We should avoid the creation of a general purpose ID in the private sector. Such a number enables secret profiling and tracking of consumers,” said Marc Rotenberg, executive director at the Electronic Privacy Information Center, who has advocated limiting the use of SSNs for more than 20 years. EPIC was among those who successfully lobbied for SSNs to be removed from Medicare cards.
In the end, we may need to trade away the simplicity of a single number.
“The better approach is to have customer IDs for specific purposes. That would give consumers greater control over their personal data,” Rotenberg said.