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.
Supported features
Signicat supports the following identity verification features from WebID in a single point of integration via Assure API:
- ID document check
- Face match between ID document and selfie
- Liveness check of live video recording
Product types
You can choose between two product types in WebID depending on your required level of assurance:
- 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.
Possible outcomes of the transactions from these services are accepted or rejected. For more details about possible response statuses, see Service details for WebID.
In some special cases, WebID allows an AccountID process to fallback to VideoID. See more details in the Fallback to VideoID section in the integration guide.
Integration guides
WebID is available as a provider in the Assure API.
If you want to read more about WebID product type options and how it works for the end-user before you start integrating, just continue reading below.
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 7 am to 22 pm. 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.
User flow example
The following verification example shows a typical VideoID user flow.
The example assumes you already have done the initial integration steps with the Assure API, see Set up an API integration. It also assumes you have set up the dossier, process and configured the provider.
The screen images are from WebID's web environment in test mode.
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.
User flow example
The following verification example shows a typical AccountID user flow.
The example assumes you already have done the initial integration steps with the Assure API, see set up client credentials and access token. It also assumes you have set up the dossier, process and configured the provider.
The screen images are from WebID's web environment in test mode.
