Smart-ID is a 2-factor authentication scheme developed by SK ID Solutions for the Baltics. It consists of a very lightweight Web interface that prompts the user for his or her national identity number, and a mobile app that prompts the user for a PIN code.
Integrating with Smart-ID through Signicat
Integrating with Smart-ID through Signicat works much the same way as integrating through Signicat in general for most other authentication schemes in the Signicat Connect platform. See “Get started with authentication“.
Signicat has an integration with Smart-ID and delivers this, as well as a vast amount of other integrated methods through a single point of integration. For our customers this means shorter time to production and time saved integrating and maintaining the integrations with one or several identity-providers. Through the single point of integration one will get access to Signicat’s wide portfolio of integrated ID methods, not only the Smart-ID, as well as other services like identity paper verification, lookups and video assurance.
Smart-ID can be used for digital onboarding of a user, through user identification. The ID method can be used as a stand alone method or in combination with other services provided by Signicat to verify an identity, like identity paper verification, lookups and video assurance.
To be able to apply for a loan the bank may requires you to register and become a customer of a bank. During this digital onboarding process Smart-ID could be one ID method, among others, to to choose from to register as a user for the first time.
When the user has completed the digital onboarding process, Smart-ID can be used for authentication to connect by verifying an existing user’s identity. Getting started guides for authentication with the different authentication protocols can be found here.
As a registered customer in a bank you will be able to apply for a loan. To be able to log in to your bank you has to authenticate to prove your identity. Smart-ID can be used for authentication, in the same way as it can be used for registering as a new customer.
An example of an OpenID Connect response when Smart-ID is used for authentication can be found here.
An example of a SAML 1.1 response when Smart-ID is used for authentication can be found here.
Authentication-based signing is Signicat’s own signing solution and supports the use of any type of authentication method provided by Signicat. The authentication result is reused for signing in this solution. It will ensure a unified output format in accordance with EU specifications as well as a scalable, responsive signflow supporting about any modern device standards and window sizes available for consumers today.
The signing result will result in a PAdES (PDF Advanced Electronic Signature) consisting of one or more signed documents (XAdES, implemented as LTV-SDO). See the Result section for signing result examples.
With Signicat Signature you can sign (as well as view or upload) one ore more documents, for example loan applications, contracts etc with Smart-ID. Signing with authentication-based signing will allow you to sign all the documents at once.
To be updated.
For an example of a LTV-SDO, as a signing result with authentication-based signing and Smart-ID as authentication method, please see here.
For an example of a PAdES, as a signing result with authentication-based signing and Smart-ID as authentication method, please see here.
There are no certificate exchanges needed to use Smart-ID.
Signicat’s test environment preprod.signicat.com is available 24×7, and may be used during your developement and test phase. All use of this environment is free.
Appless test credentials can be found here: https://github.com/SK-EID/smart-id-documentation/wiki/Environment-technical-parameters#accounts