Verkkokortti

Verkkokortti is a Finnish term referring to an electronic card used for accessing and performing online services. It can be a physical smart card or a software-based credential stored on a device. Verkkokortti is designed to provide strong authentication and secure payments in the online environment.

In practice, a verkkokortti typically contains cryptographic credentials. When a user logs in or authorizes a transaction, they present the card and may enter a PIN, use a card reader, or approve via a mobile app. The system verifies the cryptographic signature or one-time code generated by the card to confirm identity or payment.

Common applications include online banking authentication, e-commerce payments, and access to government or public services portals. It can be used independently or together with other authentication methods in Finland's digital identity landscape.

Finland has various digital identity systems, such as pankkitunnukset (online banking credentials) or Mobile BankID. Verkkokortti is one of several options and may complement or be integrated with these systems.

Advantages include added security, offline capability, and portability. Limitations include the need for hardware or software, the risk of loss or theft, and the management of credentials.

In practice, verkkokortit are issued by banks, financial institutions, or government services, with policies governing key management, PIN lifecycles, and revocation.

See also digital identity, eID, BankID.