Universal Basic Mechanics

As stated last week, I'm charging head long down the National Novel Writing Month annual challenge.  I'm up to 21,400 words as of the break I'm taking to write this blog.  The premise of my unlikely-to-see-the-light-of-day novel is to look at crime in a world where Universal Basic Income has been implemented.  What does that world look like and how will people try to take advantage of it.

Last week's post looked at how employment might actually change.  The TL;DR is that while people should be able to survive without work, it will be basic survival.  There will still be an incentive for people to work and companies to employ them.

This week I want to mentally explore how UBI might actually work from a back office stand point.  How does the government ensure that the right people get the right amount?  What existing and/or emerging technologies might be use to make it happen?  Read on...

Un-National Security ID

Last week, I discussed some thoughts on personal identification, specifically as it related to credit ratings and the Equifax breach.  However, one of the things that I did not discuss is why something like this is not already in place.

After all, many other countries have National ID programs that allow them to segregate citizens from non-citizens.  To understand who is entitled to the rights set forth in each country's governing documents and laws.  Also, who should be paying taxes.  From a bureaucratic stand point, having a strong, trustworthy National ID system only makes sense.

Then why doesn't the United States, the most rootin'-ist, tootin'-ist country in the whole dang world, have something like this?   Read on, intrepid ponderer!

Rate My Credit

The Equifax hack(s?) are highlighting more than the security of the institutions that are asking us to trust them with our personal information.  It is bringing into question the entirety of how these institutions identify us and thereby assign us credit.

Even the cursory, headline-scanning research that most of us do will show that the requirements for obtaining a new line of credit are ludicrous.  All you need is a Photo ID, Social Security Number (doesn't need to be yours), a matching birth date and address.  That's it.  And with the SSN and a little work, you can get the Photo ID.

Walk into most retailers (car dealerships, furniture stores, WalMart, Target, etc.), spend fifteen minutes filling out an application and then go to town.

This needs to change.  Even the White House agrees.  For what that's worth.

The Internet of Retail

What You Think It Will Look Like

When people talk about the Internet of Things, there are two examples that come to most peoples' minds: big corporate logistics and smart homes.  Those seem obvious.  The first is all about how large corporations keep track of their inventory, automate their supply chain, and cut costs around their energy use (and keep track of their employees via key cards and GPS).  There are easy benefits for all of us to understand: if these large corporations can cut costs, then the products or services that they provide will also be cheaper.  The smart home is similar: easy benefits in convenience, energy savings and security.

However, there is another place where the IoT is taking off: retail.  Here's an example of where they will want to go:

(Minority Report, courtesy of DreamworksSKG and 20th Century Fox)

Minority Report was released in 2002 and we're still a long way off from having that level of (intrusive) personalized, targeted advertising.  But we're getting closer.