About WebID
WebID is a German eIDV (electronic identity document verification) service for secure online onboarding of end-users. It is compliant with AML regulations such as German AML Law GwG and has been approved by the Federal Financial Supervisory Authority BaFin.
WebID offers both identity verification and document signing with Qualified Electronic Signature (QES). Both use cases are available through the two primary product types:
- VideoID: The end-user is identified by a support agent in a live video call.
- AccountID: The end-user identifies themselves by capturing their ID and selfie.
Supported features
Signicat supports the following features from WebID in a single point of integration through the Assure API:
- ID document check: Scans and verifies the validity of identity documents (such as passports, driving licenses, and national ID cards).
- Face match between ID document and selfie: Compares the face in the user's selfie or video capture against the photo on the extracted ID document to confirm they are the same person.
- Liveness check of live video recording: Conducts biometric liveness analysis to detect and prevent spoofing attempts.
- Qualified Electronic Signature (QES): Enables uploading a document to be signed. QES signing is both supported in VideoID and AccountID. You can also provide a custom PDF document to be signed.
VideoID
The WebID VideoID service provides call-centre functionality, where trained support agents can verify the validity of the provided identity documents (e.g. a passport) and ask security questions to the end-user during a live video call. The verification process is recorded and evidence is made available for the service provider.
This service consists of three main steps:
VideoID
The VideoID service is available in Germany from 07:00 to 22:00. The support agents speak German and English. The end-user might have to wait, but the SLA should be less than 90 seconds. The call itself takes 5 minutes in average.
Identity proofing user flow
The following example shows a typical VideoID identity proofing user flow.
The screen images are from WebID's web environment in test mode.
Signing user flow
WebID allows you to combine identity verification and signing into a unified flow, VideoID with QES.
AccountID
With the AccountID service, your end-users can log into their online bank account. They identify themselves by capturing their identity document and a selfie. Once the image data is analysed and approved, they can log into their bank by using their normal bank login, after which the required micropayment is executed. To finish the procedure, they receive a transaction code on their mobile, which they need to enter on the WebID website.
AccountID
This service is currently available 24/7 for banks in Germany and Austria. It has no waiting time and the average transaction time is 3 minutes.
Identity proofing user flow
The following example shows a typical AccountID identity proofing user flow.
The screen images are from WebID's web environment in test mode.
Signing user flow
WebID allows you to combine identity verification and document signing into a unified flow, AccountID with QES. In this feature flow, you can add a custom PDF document to be signed.
API integration overview
You set up webid as the provider in the Assure API.
Below is an overview of important aspects with the setup. For more details, see the integration guide for WebID.
Feature flow and processType
You use processType to decide the feature flow.
| Feature flow | processType value |
|---|---|
| VideoID (identity only) | videoid |
| AccountID (identity only) | accountid |
| VideoID with QES (identity and sign) | videoidQES |
| AccountID with QES (identity and sign) | accountidQES |
For more details, see the Create process step in the integration guide.
Result statuses
Terminal outcomes of the transactions from AccountID and VideoID are accepted or rejected. For more details about possible response statuses, see Service details for WebID.
Fallback to VideoID
In some special cases, WebID allows an AccountID process to fallback to VideoID. See more details in the Fallback to VideoID section.
Next steps
Set up WebID using the Assure API: