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commit ebf6851af4a0a9e0716b05988a2d3d3fa533fc29
parent 02a00ce8a84a4ce77778e9796f8ab9012c7f6223
Author: fsb2 <benjamin.fehrensen@bfh.ch>
Date:   Thu,  4 Dec 2025 18:23:32 +0100

FI-ISAC presentation

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Apresentations/2025-kyc-for-free/taler-macros.tex | 108+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
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diff --git a/presentations/2025-kyc-for-free/KYC4free.pdf b/presentations/2025-kyc-for-free/KYC4free.pdf Binary files differ. diff --git a/presentations/2025-kyc-for-free/KYC4free.tex b/presentations/2025-kyc-for-free/KYC4free.tex @@ -0,0 +1,397 @@ +\documentclass[aspectratio=169,t]{beamer} +\input taler-macros +\usepackage{msc} + + +\newcommand{\TITLE}{KYC for free\\ with EID} +\newcommand{\SUB}{Unlocking Efficiency with the Swiss EID} +\newcommand{\AUTHOR}{Benjamin Fehrensen} +\newcommand{\SPEAKER}{Benjamin Fehrensen} +\newcommand{\INST}{Bern University of Applied Sciences} +\newcommand{\DATE}{December 1\textsuperscript{st} 2025} + +% Do not edit this part +\title{\TITLE} +\subtitle{\SUB} +\date{\DATE} +\author[\SPEAKER]{\AUTHOR} +\institute{\INST} + +\begin{document} + +\begin{frame}[plain] +\maketitle +\end{frame} + + +\begin{frame}{Swiss E-ID } +{The Digital Passport for the Virtual Space} +The \textbf{Swiss E-ID} enables strong, state-backed digital identification — directly on citizens’ mobile devices. + + +\begin{columns} +\begin{column}{0.68\textwidth} +\begin{itemize} + \item \emph{The e-ID is an official means of identification issued by the state. It is a free and optional complementary offer to the physical identity card.}\footnote{\url{https://www.eid.admin.ch}} + \item \textbf{Comparable to the EU Digital Identity Wallet (EUDI Wallet)} under the eIDAS regulation.\footnote{\url{https://digital-strategy.ec.europa.eu/en/policies/eudi-regulation}} +\end{itemize} +\end{column} +\begin{column}{0.3\textwidth} + \begin{center} + \includegraphics[width=\textwidth]{images/swiss_eid} + \end{center} +\end{column} +\end{columns} +\end{frame} + + +\begin{frame}{Direct Referendum } +{A Tight Call on the Swiss E-ID Act} +Referendum on the \textbf{Federal Act on Electronic Identity and Other Electronic Certificates (E-ID Act, BGEID)} held on \textbf{September 28\textsuperscript{th}, 2025}. + +\begin{itemize} + \item \textbf{Result:} Yes — 1'384'549 (50.39\%) \quad | \quad No — 1'363'283 (49.61\%) + \item Margin of only \textbf{21'266 votes}. + \item Demonstrates that \textbf{digital identification is a deeply controversial and sensitive topic.} + \item Public debate highlighted major concerns: + \begin{itemize} + \item Digital identity must remain under the \emph{user’s sole control}. + \item It must enable \emph{self-determination}. + \item Adoption must stay \emph{voluntary}, not mandatory. + \end{itemize} +\end{itemize} + +\end{frame} + +\begin{frame}{Self Sovereign Identities (SSI)} +{Trust Model for Self-Determined Identification} + +\textbf{SSI shifts control from centralized authorities to the individual.} + \begin{center} + \includegraphics[width=0.8\textwidth]{images/trust_model.png} + \end{center} + + +\end{frame} + +\begin{frame}[fragile]{Selective Disclosure} +{Communication Flow} +\begin{msc}[draw frame=none, level height=0.5cm, head top distance=0.5cm, msc keyword=\small WebAuthn / FIDO2 Registration]{} +\setlength{\instdist}{5.8\instdist} + +\declinst{holder}{\scriptsize Holder}{\scriptsize Person} +\declinst{wallet}{\scriptsize Wallet}{\scriptsize Mobile} +%\declinst{_}{}{} +\declinst{verifier}{\scriptsize Verifier}{\scriptsize Web Server} +\setlength{\instdist}{1.5cm} +\mess{\tiny Get Authorization Request}{wallet}{verifier} +\nextlevel +\regionstart{activation}{verifier} +\mess{\tiny Authorization Request (DCQL query)}{verifier}{wallet} +\nextlevel +\regionstart{activation}{wallet} +\mess{\tiny Request authorization}{wallet}{holder} +\nextlevel +\action{\tiny Confirm}{holder} +\nextlevel[2] +\mess{\tiny Confirmation}{holder}{wallet} +\regionend{wallet} +\nextlevel +\mess{\tiny Authorization Response (VP Token)}{wallet}{verifier} +\regionend{verifier} +\nextlevel +\action{\tiny Verify}{verifier} +\nextlevel +\end{msc} + +\end{frame} + + +\begin{frame}{SWIYU Beta} +{Selective Disclosure --- Legal Age Only} + +Try the Beta-ID \url{https://www.bcs.admin.ch/bcs-web/} +\begin{columns} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.cm]{images/screenshots/IDs.png} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.cm]{images/screenshots/Scan.png} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.cm]{images/screenshots/approve_legal_age.png} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.cm]{images/screenshots/success_legal_age.png} + \end{center} +\end{column} +\end{columns} + +\end{frame} + +\begin{frame}{SWIYU Beta} +{Selective Disclosure --- Full ID} + +Try the Beta-ID \url{https://www.bcs.admin.ch/bcs-web/} +\begin{columns} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.cm]{images/screenshots/attributes0.png} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.cm]{images/screenshots/attributes1.png} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.cm]{images/screenshots/attributes2.png} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.cm]{images/screenshots/success.png} + \end{center} +\end{column} +\end{columns} + +\end{frame} + + +\begin{frame}{Available Electronic Onboarding Solutions} +{Cumbersome, Fragmented, and Expensive} + +\begin{itemize} +\item \textbf{Video Identification} +A synchronous audio–video session with a trained agent who performs the same checks as in a physical onboarding. +Legally accepted as a \emph{fiction of in-person identification}. +Drawbacks: high cost, high abandonment rates, scalability limits, and susceptibility to \textbf{session hijacking} and deepfakes. + +\item \textbf{Online Identification via MRTDs} +Use of \emph{Machine Readable Travel Documents} (passports, ID cards) according to ICAO Doc 9303. +Typically relies on OCR or NFC reading of the secure chip. +Drawbacks: complex UX, device compatibility issues, and vulnerability windows during live sessions. + +\end{itemize} + +Both are susceptible to \textbf{session hijacking attacks}. + +\end{frame} + + +\begin{frame}{Communication Pattern} +{Peer-to-Peer Interaction} + +\begin{columns} +\begin{column}{0.47\textwidth} + \textbf{Selective Disclosure} + \begin{center} + \includegraphics[height=4.2cm]{images/selective_disclosure} + \end{center} +\end{column} +\begin{column}{0.47\textwidth} + \textbf{Taler Payment} + \begin{center} + \includegraphics[height=4.2cm]{images/taler_payment} + \end{center} +\end{column} +\end{columns} + +\textbf{Self-sovereign communication enables direct, privacy-preserving exchange between parties — without intermediaries.} + +\end{frame} + +\begin{frame}{Verification of Payee (VoP) under IPR} +{Instant Payments Regulation (IPR)} +\textbf{“Poor man's payee verification” — mandatory under the IPR since October 9\textsuperscript{th}, 2025.} + +\begin{itemize} + \item Banks must now \textbf{verify that the account holder’s name matches the IBAN} before executing a transfer. + \item The \textbf{Verification of Payee (VoP)}~\footnote{\url{https://www.ecb.europa.eu/paym/integration/retail/instant_payments/html/instant_payments_regulation.en.html}} + service alerts the payer when the provided name and IBAN do not align. + \item Payers receive a result \textbf{before confirming the payment}: + \begin{itemize} + \item \textit{Match} — name and IBAN correspond. + \item \textit{Close match} — minor differences detected. + \item \textit{No match / Other} — possible fraud or incorrect data. + \end{itemize} +\end{itemize} + +\end{frame} + + + +\begin{frame}{Lack of Strong Identification Between Banks} +{KYC and AML applies not to payment instructions} +\textbf{Bank privacy laws} prevent secure identification across institutions. + + \begin{center} + \includegraphics[width=0.75\textwidth]{images/payments_iban_check.png} + \end{center} + +\end{frame} + +\begin{frame}{Real-Time Payments with Payee Verification} +\framesubtitle{Strong Verification of Payee (VoP)} + +Combining the payment process with strong identification $\rightarrow$ strong VoP. + \begin{center} + \includegraphics[width=0.9\textwidth]{images/payment_selective_disclosure.png} + \end{center} + +\end{frame} + + +\begin{frame}{Payments} +{Seamlessly Integration into the Digital Spaces} + +\begin{columns} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/IMG_0708.PNG} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/IMG_0709.png} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/IMG_0707.png} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/IMG_0706.png} + \end{center} +\end{column} +\end{columns} +\end{frame} + + + +\begin{frame}{Proximity-Based Transfers} +{Transaction Via Near Field Communication (NFC)} + +\begin{columns} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/IMG_0740.JPG} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/IMG_0741.JPG} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/IMG_0742.JPG} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/IMG_0723.PNG} + \end{center} +\end{column} +\end{columns} +\end{frame} + + +\begin{frame}{Transcending Communication Channel} +{Choose Preferred Communication Channel} + +\begin{columns} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/IMG_0718.PNG} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/IMG_0717.PNG} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/Message.JPG} + \end{center} +\end{column} +\begin{column}{0.24\textwidth} + \begin{center} + \includegraphics[height=5.2cm]{images/IMG_0724.PNG} + \end{center} +\end{column} +\end{columns} +\end{frame} + +\begin{frame}{Management Summary}{Peer-to-Peer Payments with E-ID} +\begin{itemize} +\item \textbf{Strong Digital Identification through E-ID} +\begin{itemize} +\footnotesize + \item \textbf{E-ID solutions in progress:} EU Digital Identity Wallet (EUDIW, expected 2026) and Swiss WSIYU (2026). + \item Based on a \textbf{self-sovereign identity (SSI)} model — user-centric, privacy-preserving, and easy to use. + \item \textbf{Low onboarding costs} for service providers --- user-friendly for citizens. +\end{itemize} + +\bigskip + +\item \textbf{GNU Taler Payment System} +\begin{itemize} +\footnotesize + \item Aligns with the \textbf{SSI communication pattern} — peer-to-peer and user-controlled. + \item Enables \textbf{unlinkable digital payments} (“asymmetric privacy by design”). + \item \textbf{Mitigates fraud risk} through strong Verification of Payee (VoP). + \item Operates \textbf{beyond traditional communicaton channels}. + \item Offers \textbf{linear scalability} and \textbf{low transaction costs}, unlocking new use cases such as \emph{micro-payments}. + \item \textbf{Fosters innovation} through a fully open-source (FLOSS) implementation. +\end{itemize} +\end{itemize} +\end{frame} + + + + + +% This should be last... +\begin{frame}{Acknowledgments} + + \begin{minipage}{0.45\textwidth} \ \\ + {\tiny Funded by the European Union (Project 101135475).} + + \begin{center} + \includegraphics[width=0.5\textwidth]{images/bandera.jpg} + \end{center} + \end{minipage} + \hfill + \begin{minipage}{0.45\textwidth} + {\tiny Funded by SERI (HEU-Projekt 101135475-TALER).} + + \begin{center} + \includegraphics[width=0.65\textwidth]{images/sbfi.jpg} + \end{center} + \end{minipage} + + \vfill + + {\tiny + + Views and opinions expressed are however those of the author(s) only + and do not necessarily reflect those of the European Union. Neither the + European Union nor the granting authority can be held responsible for + them. + + } +\end{frame} + +\end{document} diff --git a/presentations/2025-kyc-for-free/images/BCS_backend.png b/presentations/2025-kyc-for-free/images/BCS_backend.png Binary files differ. diff --git a/presentations/2025-kyc-for-free/images/IMG_0037.PNG b/presentations/2025-kyc-for-free/images/IMG_0037.PNG Binary files differ. diff --git a/presentations/2025-kyc-for-free/images/IMG_0038.PNG b/presentations/2025-kyc-for-free/images/IMG_0038.PNG Binary files differ. diff --git a/presentations/2025-kyc-for-free/images/IMG_0039.PNG b/presentations/2025-kyc-for-free/images/IMG_0039.PNG Binary files differ. diff --git a/presentations/2025-kyc-for-free/images/IMG_0040.PNG b/presentations/2025-kyc-for-free/images/IMG_0040.PNG Binary files differ. diff --git a/presentations/2025-kyc-for-free/images/IMG_0041.PNG b/presentations/2025-kyc-for-free/images/IMG_0041.PNG Binary files differ. diff --git 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style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;opacity:1;fill:#000000;stroke-width:1;stroke-dasharray:none" + x="194.17252" + y="107.75768" + id="text2381"><tspan + sodipodi:role="line" + id="tspan2379" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;stroke-width:1" + x="194.17252" + y="107.75768">5.) Request Selective Disclosure</tspan></text><text + xml:space="preserve" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;fill:#000000;stroke-width:1;stroke-dasharray:none" + x="193.98203" + y="127.62073" + id="text2381-1"><tspan + sodipodi:role="line" + id="tspan2379-9" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;stroke-width:1" + x="193.98203" + y="127.62073">6.) Verifiable Presentation</tspan></text><text + xml:space="preserve" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;fill:#000000;stroke-width:1;stroke-dasharray:none" + x="194.10901" + y="146.84805" + id="text2381-1-0"><tspan + sodipodi:role="line" + id="tspan2379-9-6" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;stroke-width:1" + x="194.10901" + y="146.84805">7.) Confirm Settlement</tspan></text><text + xml:space="preserve" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;text-align:center;text-anchor:middle;fill:#000000;stroke-width:1.5;stroke-dasharray:none" + x="126.84283" + y="114.52868" + id="text2381-42"><tspan + sodipodi:role="line" + id="tspan2379-3" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;text-align:center;text-anchor:middle;stroke-width:1.5;stroke-dasharray:none" + x="126.84283" + y="114.52868">3.) Send</tspan><tspan + sodipodi:role="line" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;text-align:center;text-anchor:middle;stroke-width:1.5;stroke-dasharray:none" + x="126.84283" + y="122.46618" + id="tspan2">Virtual Check</tspan></text><text + xml:space="preserve" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:4.9389px;font-family:'Unit Rounded Pro';-inkscape-font-specification:'Unit Rounded Pro, Normal';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;opacity:1;fill:#000000;stroke-width:1;stroke-dasharray:1, 1;stroke-dashoffset:0" + x="16.559725" + y="173.18636" + id="text3107"><tspan + sodipodi:role="line" + id="tspan3105" + style="stroke-width:1" + x="16.559725" + y="173.18636"> </tspan></text><path + style="fill:none;fill-rule:evenodd;stroke:#000000;stroke-width:1.5;stroke-linecap:butt;stroke-linejoin:miter;stroke-dasharray:none;stroke-opacity:1;marker-start:url(#marker1792-8);marker-end:url(#marker1792-8)" + d="m 309.70788,151.4786 v 26.85721" + id="path2" + inkscape:connector-type="polyline" + inkscape:connector-curvature="0" /><g + id="g5003-2" + transform="translate(81.292338,-2.7308403)"><g + style="overflow:hidden;fill:currentColor" + id="g1866-2" + transform="matrix(0.02281922,0,0,0.02281922,78.470937,71.882779)"><path + d="m 509.478,64 c 86.09,0 144.558,29.44 173.733,87.505 24.382,48.56 24.382,107.249 24.382,159.001 0,67.121 -33.712,147.282 -92.562,219.874 l -37.318,46.097 42.978,40.84 c 19.47,18.44 61.708,41.256 137.967,79.568 71.411,35.873 119.985,61.153 143.19,84.497 40.899,41.096 52.807,118.001 53.365,156.97 0.095,5.687 -2.118,11.247 -6.066,15.28 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-0.4477,1 -1,1 H 1.99998 C 1.44769,22 0.999976,21.5523 0.999976,21 Z" + fill="#000000" + id="path9518-1" /></g><text + xml:space="preserve" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:7.76111px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;fill:#000000;stroke-width:0.264583" + x="-30.366356" + y="144.29312" + id="text456-8"><tspan + sodipodi:role="line" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:7.76111px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;text-align:center;text-anchor:middle;stroke-width:0.264583" + x="-30.366356" + y="144.29312" + id="tspan1-7">Exchange</tspan></text><text + xml:space="preserve" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:7.7611px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=500';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 500;fill:#000000;stroke-width:0.264583" + x="160.03615" + y="66.46209" + id="text296-6"><tspan + sodipodi:role="line" + id="tspan294-0" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:7.7611px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=500';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 500;stroke-width:0.264583" + x="160.03615" + y="66.46209">Payee</tspan></text><text + xml:space="preserve" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:7.7611px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, Normal';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;fill:#000000;stroke-width:0.264583" + x="158.96686" + y="151.9449" + id="text304-9"><tspan + sodipodi:role="line" + id="tspan302-0" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:7.7611px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, Normal';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;stroke-width:0.264583" + x="158.96686" + y="151.9449">Wallet</tspan></text><text + xml:space="preserve" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:4.9389px;font-family:'Unit Rounded Pro';-inkscape-font-specification:'Unit Rounded Pro, Normal';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;fill:#000000;stroke-width:1;stroke-dasharray:1, 1;stroke-dashoffset:0" + x="10.412173" + y="333.65027" + id="text3107-3"><tspan + sodipodi:role="line" + id="tspan3105-0" + style="stroke-width:1" + x="10.412173" + y="333.65027"> </tspan></text><text + xml:space="preserve" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;fill:#000000;stroke-width:1;stroke-dasharray:none" + x="4.7771444" + y="105.53988" + id="text2381-4"><tspan + sodipodi:role="line" + id="tspan2379-8" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;stroke-width:1" + x="4.7771444" + y="105.53988">1.) Request Check</tspan></text><text + xml:space="preserve" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;text-align:center;text-anchor:middle;fill:#000000;stroke-width:1;stroke-dasharray:none" + x="27.321135" + y="132.82486" + id="text2381-4-1"><tspan + sodipodi:role="line" + id="tspan2379-8-9" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;text-align:center;text-anchor:middle;stroke-width:1" + x="27.321135" + y="132.82486">2.) Issue Virtual Check</tspan><tspan + sodipodi:role="line" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:6.35px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;text-align:center;text-anchor:middle;stroke-width:1" + x="28.152983" + y="140.76236" + id="tspan4">to recipient ID </tspan></text><g + style="fill:none" + id="g9527-0-3" + transform="matrix(1.5866546,0,0,1.5866546,290.66807,99.700527)"><path + fill-rule="evenodd" + clip-rule="evenodd" + d="m 11.5528,1.10557 c 0.2815,-0.140761 0.6129,-0.140761 0.8944,0 l 10,5 c 0.4148,0.20741 0.6326,0.67281 0.526,1.12418 C 22.8667,7.68112 22.4638,8 22,8 H 1.99998 C 1.5362,8 1.13328,7.68112 1.02673,7.22975 0.920172,6.77838 1.13795,6.31298 1.55276,6.10557 Z M 6.23604,6 H 17.7639 L 12,3.11803 Z M 5.99998,9 c 0.55228,0 1,0.44772 1,1 v 5 c 0,0.5523 -0.44772,1 -1,1 -0.55229,0 -1,-0.4477 -1,-1 v -5 c 0,-0.55228 0.44771,-1 1,-1 z m 4,0 C 10.5523,9 11,9.44772 11,10 v 5 c 0,0.5523 -0.4477,1 -1.00002,1 -0.55229,0 -1,-0.4477 -1,-1 v -5 c 0,-0.55228 0.44771,-1 1,-1 z M 14,9 c 0.5523,0 1,0.44772 1,1 v 5 c 0,0.5523 -0.4477,1 -1,1 -0.5523,0 -1,-0.4477 -1,-1 v -5 c 0,-0.55228 0.4477,-1 1,-1 z m 4,0 c 0.5523,0 1,0.44772 1,1 v 5 c 0,0.5523 -0.4477,1 -1,1 -0.5523,0 -1,-0.4477 -1,-1 V 10 C 17,9.44772 17.4477,9 18,9 Z M 2.99998,18 c 0,-0.5523 0.44771,-1 1,-1 H 20 c 0.5523,0 1,0.4477 1,1 0,0.5523 -0.4477,1 -1,1 H 3.99998 c -0.55229,0 -1,-0.4477 -1,-1 z m -2.000004,3 c 0,-0.5523 0.447714,-1 1.000004,-1 H 22 c 0.5523,0 1,0.4477 1,1 0,0.5523 -0.4477,1 -1,1 H 1.99998 C 1.44769,22 0.999976,21.5523 0.999976,21 Z" + fill="#000000" + id="path9518-1-7" /></g><text + xml:space="preserve" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:7.76111px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;fill:#000000;stroke-width:0.264583" + x="309.41296" + y="142.04578" + id="text456-8-1"><tspan + sodipodi:role="line" + style="font-style:normal;font-variant:normal;font-weight:normal;font-stretch:normal;font-size:7.76111px;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variant-ligatures:normal;font-variant-caps:normal;font-variant-numeric:normal;font-variant-east-asian:normal;font-variation-settings:'wght' 400;text-align:center;text-anchor:middle;stroke-width:0.264583" + x="309.41296" + y="142.04578" + id="tspan1-7-8">Exchange / Verifier</tspan></text><text + xml:space="preserve" + style="font-size:6.35px;line-height:1.25;font-family:Montserrat;-inkscape-font-specification:'Montserrat, @wght=400';font-variation-settings:'wght' 400;text-align:center;text-anchor:middle;stroke-width:0.264583" + x="223.14841" + y="87.188683" + id="text3"><tspan + sodipodi:role="line" + id="tspan3" + style="stroke-width:0.264583" + x="223.14841" + y="87.188683">4.) 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+ \hfill + \raisebox{-0.8mm}{\includegraphics[height=0.7cm]{images/logo-NGI_TALER_Bold.png}} + \vskip0pt% +} + +% background + +\usepackage{xcolor} +\definecolor{left}{RGB}{0,66,179} + +\setbeamertemplate{title page} +{%\leavemode% + \begin{beamercolorbox}[wd=\the\paperwidth, ht=\the\paperheight,ignorebg,center]{} + \begin{tikzpicture}[overlay, remember picture] + \fill [left color=left, right color=left!50!black] (current page.north west) -- (current page.north east) -- ($(current page.north east)+(0,-6.5)$) -- ($(current page.north west)+(5,-6.5)$) -- ($(current page.north west)+(4.5,-6.8)$) -- ($(current page.north west)+(4,-6.5)$) -- ($(current page.north west)+(0,-6.5)$); + \end{tikzpicture} + \end{beamercolorbox}% + \vspace*{-8.5cm} + + \begin{beamercolorbox}[sep=8pt,left]{title} + {\usebeamerfont{title}\inserttitle\par}% + {\usebeamerfont{subtitle}\insertsubtitle\par}% + \end{beamercolorbox}% + \vskip1em\par + \begin{beamercolorbox}[sep=8pt,left]{author} + 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