| http://www.w3.org/ns/prov#value | - Some steps to address are: financial institutions need to use information other than personal information to authenticate users (i.e., don???t assume that because a user provides a correct social security number, they are in fact the customer who has been assigned that SS#); and with regard to phones, there needs to be two-way authentication (currently there is only one-way authentication, and tha
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