ZEKNOP Data Interoperability Standard: Asset Portability and Privacy-by-Design Identity Framework

ZEKNOP Data Interoperability Standard - Defensive Publication v1.1 This whitepaper establishes prior art for open data portability standards enabling privacy-preserving identity management and financial datainteroperability. What's New in v1.1: • Flagship Use Case: Privacy-Preserving Age Verification - New dedicated section demonstrating how platforms can verify users are "over 16"(Australia) or "over 15" (France) without accessing birth dates or identity documents • Multi-Jurisdictional Regulatory Alignment - Added support for Australian Online Safety Act (16+ age verification) and French Social MediaRegulation Act (15+ age verification with parental consent) • Australian Privacy Act Compliance - New mapping of Australian Privacy Principles (APPs) to ZEKNOP implementation • Enhanced Security Model - Expanded phishing/impersonation mitigation with consumer registration, pre-configured scope limits, and institution verification • Restructured Executive Summary - Now addresses both privacy risks and systemic data fragmentation inefficiencies Core Protocol (unchanged from v1.0): 14+ asset types, 11+ liability types, 12+ insurance policy types 9 granular identity blocks with derived claims OAuth 2.0 consent flows with minimal disclosure Privacy-by-design patterns (zero-knowledge data flows) This publication contributes data model structures, API patterns, and privacy principles to the public domain to enable ecosystem-wideinteroperability and prevent vendor lock-in. License: CC BY 4.0