A conservative 2 Factor Proof of Identity

https://www.bing.com/search?q=swift%20transaction%20bank
We can improve on proof of identity without adopting a digital ID by using 2 Factor Authentication - where our ISP or phone company uses our PIN and either a phone SMS Text, or Google Authenticator if preferred, to authenticate phone based transactions.

Govts are implementing digital IDs including drivers licences, rather than following numerous businesses who already successfully use 2 factor authentication.
That ID is the thin edge of the wedge that is foretold to become unchristian totalitarianism/dictatorship ?once the rapture has occurred?, so remaining folks can't avoid unchristian dictatorship systems - nanny state. I'm thinking about no longer having that ID drivers licence as it will morph into that dictatorship.
Joining that defacto ID system likely will prevent God's revival as it becomes humanism's attempted utopia without infinite God, ie foretold instead of Christ. Nebuchadnezzar was the head (finite) dictator of finite humanism's efforts at utopia, but it has never worked, and it always depends on a (finite) dictator.
Some think they can have their cake and eat it too, but it's foretold that it won't work out like a naïve dream imagines; the (finite) occult realm is foretold to manifest their (finite) control over it.
Society does need godly laws, inline with http://soul-mate.org/RootFruit-GraceLaw.php, like not running amok when driving on our roads, harmonious standards help, we don't advocate doing away with courts or police. But in the hands of finite creatures law is a blunt instrument, and noble infinite lowly God honouring standards of behaviour are our best approach to implementing harmonious standards, as contrasted with finite ones - which struggle once a populace gets large. We're taught that God is humble & lowly, and so is His King. The meek will inherit and serve godly standards in cooperation with God (who exhaustively searches all things and knows our intentions). God endowed purpose or function foremost, and infinite 100% test secondary help us understand not running amok, when done in a lowly meek way (that remembers we're finite), in cooperation with God.
https://soul-mate.org/Life-Sustaining-Systems.php

Solving any nation's problems with increasingly more devastating weaponry will be resolved when the meek God honouring folk inherit, rather than a finite wannabe dictator (who also proliferates those weapons among war lords.)
Thoughts of who will control wmd weaponry (including the new hypersonic nukes) after a touted rapture offers to clarify thinking about our sobering responsibility for the ensuing devastation that is foretold for the beast. The nations are making a devastating stick for their own noble backs, and there seems no limit to how far that goes.
Mat 18:4 Therefore whoever humbles himself as this little child is the greatest in the kingdom of heaven.
Mat 23:11 But he who is greatest among you shall be your servant.
That leads me to believe that a think tank will have some involvement, as a lobby group, and is why I'm advocating soul-mate.party for lobbyists. All nations have baggage of varying types, so a focus on collective core topics, that emphasize the good without various types of baggage, offers a way forwards.

This is the beginning of a universal digital ID, targeting the cashless society by making that ID the only option (cunningly originating from sustainable development/modernised communism which advocates *intensive rationing - can't buy or sell without it* , vs much improved decentralized http://soul-mate.org/Coopism.php). The epitome of modern communism, China has numerous businesses which fund their millionaires, while the subservient populace have a lowly lifestyle. The rich get richer is still practised. Modern communism clearly doesn't achieve a (finite) utopia for everyone, just the privileged few.
https://www.tsa.gov/realid

skywatchtv.com /2022/11/03/bill-gates-global-digital-id/ A global ID can be better improved on or rendered harmless if these things are fully implemented, to include world economic forum agenda 21/25/30 without becoming the mark of the beast. Initially the digital ID may not be that MoTB but it paves the way for it - like no other agenda, (as super or quantum computer AI gains hold of society and deepfake etc become the norm).
We need an Android (and iOS) App to allow phone based financial transactions using PIN and TOTP. Like for Kiwibank & PBtech & Z petrol station, the App would connect through 4/5G or WiFi to the phone company website/s to establish Proof of Identity.

The website or App customer setup or login (possibly cached on user's phone) will use a phone company/ISP username and password or PIN/(like for online banking and cards), then TOTP to perform authentication, using installed PAM module/s. Once authenticated, (like with phone company or Internet Service Provider ISP eg Spark), a customer will have access to their account, where they have/will entered their payment bank account details, delivery address, contact details, (in the phone company database with 2factor info - like for Spark), and customer help. The database index won't be a global identifier like done for the Real_ID/RealMe, only an ISP/phone company Index# customer number - like for Spark.

We avoid a centralized ID website (except to float concepts, not implement them), as that would require a unique ID still. Phone company 2 factor authentication is only unique within that phone company/ISP, so is decentralized not global(centralized).

A smartphone can be purchased for NZD$139 now
thewarehouse.co.nz /p/2degrees-alcatel-1b-2022-bundle-blue/R2833129.html

To extensively field test Google Authenticator - to be fit for purpose in proof of identity for covid; and for eftpos transactions in the longer term.
To field test 2FA phone companies/ISPs require us to setup WHM and Cpanel - from cpanel.net, WikID RADIUS server. The total project, with eftpos, could need a dedicated specialized webserver team, to achieve production quality within a desired time frame, and to oversee ongoing public usage.

We could contract, for a time, security pro/s to try and break the pilot system - found through grc.com or Usenet google chat groups.

The smoothwall or ipcop whitelist will limit access to the webservers by authorized ISPs known in a country.

Codes will have limited one time entry and then be locked out for a required delay period - between successive entries.

It's easy to prevent super computers from flooding the system, using distributed server farms, in authorized countries, which could limit DDOS attacks, because it will include recaptcha (already used to thwart bots) and a short delay period for successive entries. Supercomputer code breaking relies on brute force, only when trillions of attempts can be made per second, on one target site. But with those security measures that's no longer possible, because an operation can only be attempted once every 5-10 seconds and can't break internationally distributed server farms - (the same as for youtube and search engines). Once, not 1 x10exp15 per second - for petaflop computers.
https://youtu.be/XPYaSBqFy74