eSigning

Electronic Signatures

The term “eSigning” or “eSignature” stands for electronic signature. There are three different levels: simple, advanced, and qualified electronic signature. They differ primarily in their legal security. A simple or general signature solely contains an unqualified name, such as an email signature. In the case of an advanced or qualified signature, the signatory is identified before a document execution. For a qualified electronic signature, abbreviated as QES, the signature is further linked with a certificate that provides the same validity as for a handwritten signature.

eSigning Process

In order to obtain a qualified electronic signature (QES) with IDnow eSign, the user is identified online via the web or an app. Even before the identification begins, and again at the end of the process, the user is shown the contract to be signed. The user checks the contract online and begins the signing process. This can be done from the comfort of the user’s own home or using a mobile device.

With the help of IDnow VideoIdent, an Ident Specialist asks the customer the legally required questions. Recordings are made of the front and back of the identity document, as well as a photo of the customer and the identity document details are compared. The customer declares their agreement with the contract conclusion using a check mark. The certificate and the qualified electronic signature (QES) will be issued by our partners, which are Trust Service Providers (TSP) according to the eIDAS Regulation.

eIDAS

All EU Member States and the European Economic Area (EEA) can offer authentication and trust services for electronic transactions according to regulation (EU) No. 910/2014. This regulation replaced Directive 1999/93/EC and is abbreviated as the eIDAS Regulation. In addition to the revision of electronic signatures, it also includes services related to electronic seals and time stamps, electronic registered delivery services and certificates for website authentication.

Thanks to the eIDAS Regulation, companies are no longer required to restrict their services to one country and can offer trust services with the same legal security throughout the EU. The finance sector is a pioneer in this area. It is becoming apparent that an increasing number of public and private sector entities are following this example.

Data Security and eIDAS Requirements

When handling personal information, absolute discretion is required. Everything possible must be done to ensure that it does not fall into the wrong hands. That’s why we take the utmost care in the selection of our employees and partners and products.

Our products are certified by certified European Conformity Assessment Bodies according to eIDAS Regulation requirements for remote identification. Our Regulatory Affairs team is available to answer your questions.

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