Dr. Stefan Brands is the president of Credentica, a Montreal-based provider of innovative software products to protect identity and value assertions in Internet, mobile, and chip card applications. Stefan has served on the external advisory committee of Canada's Federal Privacy Commissioner and is an Adjunct Professor in cryptology at McGill University. Prior to Credentica, Stefan worked at Digicash and Zero-Knowledge Systems on electronic payment systems and privacy technologies. Stefan is the author of a book on privacy-protecting authentication published by The MIT Press, available for free download at www.credentica.com/the_mit_pressbook.php. Stefan has a personal blog on digital identity at www.idcorner.org.