# Service description

# Signicat Sign Portal

Signicat Sign Portal is a standalone web application solution for digital signing needs. Signicat Sign Portal allows users to log into a solution where documents can be uploaded and sent for signing to end users, and where signed documents can be retrieved thereafter. The solution does not require any integration nor installations at the user’s end, and the application is operated as a cloud service by Signicat. Signicat Sign Portal gives easy access to Signicat’s powerful signing engine, where amongst others a multitude of different signing methods are supported.

Signicat Sign Portal consists of the following main solution components:

Component Description
Signicat Sign Portal web application Signicat Sign Portal web application is a cloud-hosted solution which amongst others supports user management, signing request overview, sending out documents for signing, notifications when documents get signed, and retrieving signed documents. The Signicat Sign Portal web application uses the Signicat Notification Engine and Signicat Signing Engine to send out requests for signing and getting documents signed by end users.
Signicat Sign Express / Signicat Sign Enterprise Signicat Sign (Express/Enterprise) offers a multitude of different signing methods, supporting eIDAS-compliant electronic signatures on Advanced and Qualified levels (access to different signature methods can very between Express and Enterprise offerings). Signicat Sign Portal web application uses Signicat Sign (Express/Enterprise) to produce signatures on documents.
Signicat Notification Engine Signicat Notification Engine supports notification to end users in the e-mail and SMS channels. Signicat Notification Engine is used for sending signing requests to end users, as well as reminders and other communication to end users from the Signicat Sign Portal web application.
Signicat Secure Share Express Signicat Secure Share is a solution for sending files and documents securely to designated identifiable recipients. Files and documents are encrypted, and recipients need to identify themselves using electronic ID in order to decrypt and access the contents. If the feature is enabled, Signicat Sign Portal web application uses Signicat Secure Share in order to securely transfer signed documents to end users after the signature process is finished.

# Signicat Sign Express

Signicat Sign Express is an API solution for digital signing. Signicat Sign Express allows companies to integrate a digital signing process seamlessly into their web pages, apps and business systems. Documents can be sent to the API for direct integration into a web application, or alternatively Signicat Sign Express can send out the document for signing via e-mail and/or SMS. Signicat Sign Express offers rich configuration possibilities, where the signing experience can be tailored to meet the specific needs in a given business process. Signicat Sign Express offers a multitude of different signing methods, such as Nordic eIDs, SMS OTP and handwritten signatures on screen (“inksign”). Certain optional add-on services in conjunction with a signature process are also supported by Signicat Sign Express.

Signicat Sign Express consists of the following main solution components:

Component Description
Signicat Signing Engine Express Signicat Signing Engine Express offers a multitude of different signing methods, such as Nordic eIDs, SMS OTP and handwritten signatures on screen (“inksign”). Also, it handles packaging of signed documents into the eIDAS compliant format PAdES (PDF Advanced Electronic Signatures).
Signicat Notification Engine Signicat Notification Engine supports notification to end users in the e-mail and SMS channels. Signicat Notification Engine is used for sending signing requests to end users, as well as reminders and other communication to end users as specified in API requests (ie. configuration for notifications in connection with a signature request can be controlled through the API).

# Signicat Identification Express

Signicat Identification Express is an API solution for secure end user identification/authentication. Signicat Identification Express allows companies to integrate a digital identification process seamlessly into their web pages, apps and business systems. Signicat Identification Express allows companies to connect to several electronic ID schemes through one point of integration and in a harmonized way. Certain optional add-on services in conjunction with an identification process are also supported by Signicat Identification Express. Signicat Identification Express supports two different integration interfaces, allowing companies to choose the integration solution that best fits their business needs.

Signicat Identification Express consists of the following main solution components:

Component Description
Signicat Identity Hub Express Signicat Identity Hub Express consists of integrations with multiple identity providers and identification methods, supporting all major Nordic eID schemes as well as SMS OTP and social media login providers.
Signicat Identification Express REST API Signicat Identification Express REST API is an integration interface for accessing Signicat Identity Hub Express’ identity methods in a unified, harmonized way. Signicat Identification Express REST API supports different types of end user flows depending on the underlying support in the identity provider’s mechanisms, and a harmonized way of retrieving verified identity data from an identification process.
Signicat Identification Express OpenID Connect service Signicat Identification Express OpenID Connect service is an integration interface for accessing Signicat Identity Hub in a fully standardized way, conforming to the OpenID Connect industry standard. Signicat Identification Express and provides possibilities for creating Single Sign On services across several sites.

# Signicat Identity Validation Services Express

Signicat Identity Validation Services Express is an API solution for retrieval or monitoring of verified information about a person or a company, supporting multiple sources for different use-cases. The service allows companies to have one integration point for multiple sources, and to retrieve or monitor verified information in a simple and normalized way to build business processes utilizing the information attributes. Information attributes can be used for instance to enrich the data set from an identification process, and for performing an onboarding of an end user. Examples of data sets that can be made available through Signicat Identity Validation Services Express include person address, PEP/sanction matching results and company information for the purpose of AML compliant onboarding processes.

Signicat Identity Validation Services Express consists of the following main solution components:

Component Description
Signicat Validation Hub Express Signicat Validation Hub Express consists of integrations with multiple information sources, both for person and company lookups, supporting sources for address verification as well as company information and AML related data sets.
Signicat Information Services Express REST API Signicat Information Services Express REST API is an integration interface for accessing Signicat Validation Hub Express’ lookup methods/information sources in a unified, harmonized way. Signicat Information Services Express REST API allows easy integration of multiple information sources and a harmonized way of retrieving verified data sets enriching a person or company identity, to be used e.g. in conjunction with an identification process to establish a new customer relationship.
Signicat Monitoring Services Express REST API Signicat Monitoring Services Express REST API is an integration interface for monitoring Signicat Validation Hub Express’ lookup methods/information sources in a unified, harmonized way. Signicat Monitoring Services Express REST API allows periodic monitoring of multiple information sources, and will allow you to receive change notifications in case information in any of the sources changes.

# Signicat Secure Share Express

Signicat Secure Share Express is an API solution for secure sharing of files and documents to recipients over the e-mail and SMS channels. Files and documents can be sent to the API, and the service encrypts the contents securely, before recipients are notified with an e-mail and/or SMS that they have received personal contents to be downloaded upon identification. The recipients’ identities are pre-specified by the sender by use of either mobile number for SMS OTP authentication, national ID number or eID unique identifier, and only intended recipients can download the protected contents after having proved a matching identity. When the end user logs in with a suitable identity method, and upon matching identity, contents are decrypted, and the end user can download the contents. The solution can be integrated in any business process where it is important to protect the contents transferred to an end user, and where e-mails with open attachments are not an option due to security requirements.

Signicat Secure Share consists of the following main solution components:

Component Description
Signicat Secure Share Express REST API Signicat Secure Share REST API is the integration interface for the service, where the sender can send in documents and files to be shared and specify the identity of end users eligible to download the contents.
Signicat Identification Express Signicat Identification Express is used for performing secure identification of recipients of shared contents.
Signicat Notification Engine Signicat Notification Engine supports notification to end users in the e-mail and SMS channels. Signicat Notification Engine is used for sending requests to end users for downloading shared contents, as well as reminders to end users as specified in API requests (ie. configuration for notifications in connection with a share request can be controlled through the API).

# Signicat Deposit Express

Signicat Deposit Express is an API solution for creation of deposit accounts in conjunction with tenancies for the Norwegian market and in accordance with Norwegian tenancy regulations. The Signicat Deposit solution provides the possibility to create deposit accounts in Signicat’s partner bank Easybank. The solution allows for onboarding of the end users (tenants) to happen de-coupled from Signicat’s partner bank’s interface, meaning that the deposit account creation process can happen seamlessly integrated into a web page or app where the business process takes place, and the end user can complete the process in the same interface. The solution also supports seamless destruction of the deposit account when the tenancy agreement is terminated, with support for both split payments and complete release of deposit amount. Also, the solution supports combined signature of both tenancy agreement and deposit account agreement, so that the landlord can have their standard tenancy agreement signed as part of the deposit account creation process.

Signicat Deposit Express consists of the following main solution components:

Component Description
Signicat Sign Express Signicat Sign Express is used for signing tenancy and account agreements in relation to the deposit account creation process.
Signicat Notification Engine Signicat Notification Engine supports notification to end users in the e-mail and SMS channels. Signicat Notification Engine is used for sending requests to end users related to pending tasks (such as account destruction), where the end user must carry out eg. a digital signature to complete the process.
Signicat Deposit Express REST API Signicat Deposit Express REST API is the integration interface for the service, where the landlord can specify necessary details about the tenancy agreement and create a request for the end user (tenant) to carry out onboarding to the bank and subsequent creation of the deposit account. Statuses for the deposit account are also supported, so that the landlord can know in near-realtime when e.g. the deposit amount has been paid in full.

# AML Self declaration

AML Self declaration is a turnkey solution for the real estate sector designed to provide a fully digital, AML declaration for real estate transactions. The solution integrates with real estate ERP systems and combines BankID AML check with Signicat’s electronic signing functionality for a streamlined, fully paperless compliance workflow.

How the AML Self declaration works: A declaration is initiated from the ERP system, which sends a request (SMS/email) to the buyer/seller to fill in AML declaration form. A completed declaration is signed electronically using BankID, and based on the signer’s national ID number, PEP and sanctions lists are checked automatically. A full overview of self declaration check requests and status is available in the EPR system.

Signicat AML Self declaration consists of the following main solution components:

Component Description
Signicat AML Self declaration REST API Signicat AML Self Declaration REST API is the main service that combines all this services and creates a flow for the case handler and the end user.
Vitec AML SD Integration Vitec AML SD Integration is the integrations interface for the service, where the broker can create the case directly and pre-populate with information from the ERP System.
Signicat Sign REST API AML Self declaration consumes the SIGN API to sign the self-declaration and to withdraw the National ID and trigger a check towards BankID AML endpoint.
Vipps BankID AML Signicat AML Self declaration are using Vipps BankID AML as a underlying service to complement the self-declaration with information from the authorities population registry and to check towards common PEP and Sanction lists. (Its required to enter an agreement together with Vipps to access this.)
Last updated: 12/11/2020, 3:42:39 PM