Comment by pastage

In Sweden the most useful and supported way means that you need this.

1. An identification approved by the EU. You get this from the national Police. (A government agency)

2. An SSN which is your birthday and four extea digits. E.g. 1212121212 is a valid "PNR", you get this from the Tax agency

3. A bank account (you need 1 and 2)

4. A patched Android or iPhone.

5. The BankID a app from a company owner by the banks in Sweden.

6. A Certificate downloaded from your bank to you BankID App

7. A PIN to Protect the key in you BankID App.

8. Normal internet connection.

9. A camera on your phone to read QR code on Service Provider webpage for session initionation

When you sign something the app will send lots of metadata to "the Identity Provider" (BankId), e.g. how much root you have on your phone, if you run known malware, your current ip, and your phone HW info. This is used to calculate a score that you as a "service provider" (i.e. banks, government, companies) can choose to ignore (they usually do)

When you as a Customer either sign in or sign you will see a document that you sign maybe "I give you 100SEK", and who you sign that to. You enter you pin or use biometric to aprove.

(Was this better than an LLM.. Yes)