yes® (https://www.yes.com/ (opens new window)) is an identity scheme that aims to provide a centralized point for user onboarding and authentication for the German market. Through Signicat, yes® can also be used for authentication-based electronic signing.
Through yes®, users can register with third-party providers, pay or conclude contracts using their online banking login.
End-users that use yes® do not have to create a new account to use it, since they will use their bank's credentials. Since the user's identity is verified through their bank, merchants who use yes® operate with a high level of assurance.
# Integrating with yes® through Signicat
Web integration with yes® is done via the same API as Signicat's other ID methods. yes® relies on the OIDC standard (see Getting started with authentication for more information). Through a single point of integration, one will get access to Signicat's wide portfolio of integrated ID methods, including yes®, as well as identity paper verification services.
For our customers, this means a shorter deployment time and a more efficient setup and maintenance of the integrations with one or several identity providers.
# Digital onboarding
yes® can be used for digital onboarding of a user through user identification. This ID method can be used as standalone or in combination with other services that Signicat provides for identity assurance.
After you redirect the user to yes®, they will first be asked to choose their bank from a list.
After this, they will be redirected to the bank's website, where they can enter their access credentials to verify their identity.
When the user has completed the digital onboarding process, yes® can be used for authentication in the same way that it can be used for registering a new customer.
As in the digital onboarding process, the user will be asked to choose their bank from a list and then they will be redirected to the bank's website, where they will enter their credentials to verify their identity.
# OIDC scopes and claims
The following scopes are available:
These are all the available claims and their corresponding descriptions:
|The end-user’s preferred e-mail address.|
| ||Boolean value. |
| ||The end-user’s preferred phone number.|
| ||Boolean value. |
| ||JSON object which contains the following information: |
| ||How the end-user should be addressed, e.g. “Mr.”|
| ||The end-user’s title, e.g. “Dr.”|
| ||Given name(s) or first name(s) of the end-user. |
Note that in some cultures people can have multiple given names; all can be listed. If the end-user has more than one given name, they will be separated with space characters.
| ||Surname(s) or last names(s) of the end-user. |
Note that in some cultures people can have multiple family names, or no family name. If the end-user has more than one, they will be separated with space characters.
| ||JSON Object with the place of birth containing: |
| ||The end-user’s birthday in the |
If the year is
Note that, depending on the underlying platform’s date-related function, providing just the year can result varying month and day values, so the implementer needs to take this factor into account to correctly process the dates.
| ||The end-user’s nationality.|
| ||The end-user’s gender. |
The values defined by this specification are
| ||The end-user’s tax identification number.|
| ||The IBAN of the debit account that the end-user wants to use for transactions.|
| ||Generated by default when requesting verified person data. |
It can also be requested explicitly through the claims parameter to be included in the ID token or user information, and persisted by the RP as a reference to this transaction for potential dispute resolution.
| ||The attestation and the respective claims of type |
# Electronic signing
Signicat enables electronic signing with yes® with an authentication-based process. That is, even though yes® does not provide a native option for electronic signing, it can be used to obtain electronic signatures through Signicat's own signing solution.
Users can use yes® (or any of the identity methods in Signicat's hub) to authenticate themselves and access the solution. The authentication result is then reused for signing.
This solution ensures a unified output format in accordance with EU specifications, as well as a scalable, responsive signflow supporting modern device standards and window sizes.
# How to get started with yes®
If you want to start using yes® through Signicat, contact Signicat (opens new window) and our sales team will guide you through the process.
# Test information
Signicat's test environment preprod.signicat.com is available 24×7, and may be used during your development and test phase.
After you register with yes® as a service provider, you will receive a client ID which will allow you to access the testing environment.
# Other sources