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OCR for page 77
Findings of Data-Management Policies and Issues 77 have access to the data in the system will be required to meet responsibilities associated with the data's specific role. The stakeholders of an interoperable smartcard system have different needs and those needs will affect the level of access to data required. Table 17 identifies the stakeholders, their needs, and the types of data they require. 6.4 Other Requirements--Privacy Consumer privacy is a growing concern in the smartcard industry. There is no universal law in the United States governing the use of personal information. The U.S. government has encour- aged the different industries to self-regulate the use of personal information. Each system should be analyzed on a case-by-case basis for the personal data collected through the normal course of business to determine if an individual's right to privacy is at risk. If a regional farecard program is used beyond transit, this will likely complicate the already complex privacy issues inherent in this type of identity-based system. When marketing value is placed on information by a partici- pant in the smartcard program, such as a financial institution, guidelines and policies should be established regarding the collection and use of such data. In today's business environment, information about customers has an intrinsic value. In con- trast to the European Union, no universal laws in the United States govern personal information. However, there are sectoral laws for industries such as the financial services and medical indus- tries, and for federal, state, and local government. Because laws specifically address financial pri- vacy, financial institutions distinguish privacy as follows: Informational Privacy--Defined as the "claims of individuals, groups or institutions to deter- mine for themselves when, how, and to what extent information about them is communicated to others." Financial Privacy--Defined as the "rights of individuals to control the collection, storing, use, and dissemination of information concerning their personal financial affairs by their financial products and services." Table 17. Stakeholder data-access matrix. Stakeholder Data Needs Access Requirements Government Funding Consolidated Competing Performance-Related obligations Data Transit Agency Operating system Financial Data Service efficiency Ridership Data Funding Customer-Support Data Customer Customer service Transaction Ease-of-use Summaries Efficient access to Card Configuration information Remaining Value Other Highway and bridge Revenue Transportation tolls User Profiles Taxi Non- Private operators Ridership/Sales Transportation FTA Revenue Merchants