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Bisnode

Bisnode offers decision support in the form of digital business, marketing, and credit information. This includes lookup services for information on individuals and corporate entities.

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Trapets

Trapets is a Swedish company that specializes in systems for automatic transaction surveillance and compliance for the global finance industry. Trapets provides solutions related to market surveillance, anti money laundering, fraud prevention, and business intelligence. This includes screening of individuals and corporate entities against international sanctions, OFAC, and PEP lists.

Adapted from https://www.linkedin.com/company/trapets-ab/, accessed 2019-01-10

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Virk

Virk is part of the Danish Business Authority and provides a public register of Danish companies. The service can be used to look up signing rights of companies in Denmark.

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Det Centrale Personregister (CPR)

Det Centrale Personregister (CPR) is a register run by the Danish Ministry for Economic Affairs and the Interior. The service is responsible for the allocation of Danish national identification numbers (CPR numbers), and allows authorities and companies to access data stored on all persons, roads, homes, and government agencies registered in Denmark. Access to CPR is heavily regulated and entities who wish to use it must be approved beforehand. CPR is a very useful source of information for government agencies, financial institutions, and other similar entities operating in Denmark.

Adapted from https://www.cpr.dk/om-cpr-kontoret/, accessed 2019-01-10

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Brønnøysundregistrene

Brønnøysundregistrene is a Norwegian government agency that is responsible for the management of numerous public registers for Norway, as well as governmental systems for digital exchange of information. The agency is responsible for the development and operation of Altinn, a national portal for digital communication between state, business, and inhabitants. The agency also maintains the Norwegian metadata repository SERES, as well as ELMER, a standard for the design of web forms.

Most of the registers are related to commerce, but personal registers are also conducted by Brønnøysund. The register is part of the European Business Register and a subsidiary of the Norwegian Ministry of Trade and Industry.

Gathered from https://en.wikipedia.org/wiki/Br%C3%B8nn%C3%B8ysund_Register_Centre, accessed 2019-01-10

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Folkeregisteret

Folkeregisteret is the Norwegian national population register. Signicat’s integration with Folkeregisteret is done through infotorg, which provides aggregated lookup services for personal, property, and company information.

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Companies House

Companies House is a company register run by the Department of Business, Energy and Industrial Strategy in the United Kingdom. The agency provides lookup services for information on corporate entities.

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Norwegian BankID

With BankID, your enterprise can identify 3.6 million Norwegians digitally. That means you can carry out secure transactions, establish and maintain good customer relations and enter into and sign binding agreements. Not only does BankID make things easier for your enterprise and your customers – it also enables brand new business opportunities.

Could it be made easier for your clients? Will it still be safe and secure? BankID is used by a number of industries, with different challenges in different markets. The common denominator is the need for digitization, simplification, and efficiency.

With BankID, your enterprise can identify customers in a simple and secure manner, and let them sign or enter into agreements. This leads to both great opportunities and savings.

Adapted from https://www.bankid.no/en/company/, accessed 2017-05-09.

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Personalausweis

The new German national identity card is among the world’s most advanced identity documents. It allows users to perform business and government transactions easily and safely online. The card has a Smartcard format with an integrated chip which contains personal information. Among this information is the passport photograph of its owner and, in some cases, the card holder’s fingerprints. The card can be used to electronically sign binding contracts, applications and documents.

Adapted from http://www.personalausweisportal.de/EN/Home/home_node.html, accessed 2017-05-09

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Buypass ID

Buypass ID is a personal electronic ID which can be used for secure electronic identification, signature, and payment. Buypass ID can be stored on a Buypass smart card or on a mobile phone. Buypass personal ID can be used both for private services at Buypass user locations, and as a personal ID in a business solution.

In the business solutions, you can combine both local certificates issued by the company itself and qualified certificates issued by Buypass on a single smart card. With Buypass ID you can log in to websites, sign contracts electronically, and pay in a simple and user-friendly way with a method that fulfills the highest level of security requirements in the market.

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Smart-ID

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. With Smart-ID, end-users can access online services and sign documents electronically securely from any device, and without the need to memorize a username and a password.

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Commfides

Commfides e-ID is a Norwegian electronic identity solution for persons and organizations that meets all the official requirements that apply for secure electronic identification and for electronic signature. The electronic ID can be used for electronic authentication, signing and encryption by private individuals, businesses, employees, and automated processes.

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DNIe

Documento Nacional de Identidad electrónico (DNIe) is a Spanish eID. It is in line with the EU directive on electronic ID, and it is a smart identity card with a chip containing certificates for authentication and digital signature, similar to Estonian ID-kaart, Belgian .beid, and many others. The cards are issued to Spanish citizens. In order to use it electronically, the subject must physically go to a passport-issuing police station where they can activate the chip on the card using a self-service kiosk, called “Punto de actualización del DNIe”.

The end-user portal for information about DNIe is https://www.dnielectronico.es/PortalDNIe/. The site contains information regarding what DNIe is, how to use it, and where you can use it. There is no central support organization where you can ask for help with DNIe. When assisting end-users with their DNIe problems, refer to the website above, which provides software downloads and also a client executable which can be downloaded and used to verify the certificates of a DNIe card.

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NemID

NemID is a unified platform for both citizens and enterprises in Denmark, a result of the collaboration between Danish banks and the Danish public sector. This alliance forms a country-wide solution which provides a secure login mechanism for internet sites wanting to utilize this digital ID. NemID is free of charge for private users. Private users can use NemID in their interactions with the public sector, banking solutions, or any other enterprise registered as a NemID service provider.

NemID is issued and managed by a Danish government authority and it is based on a certificate structure called OCES. All regulated industries in Denmark must use NemID.

NemID includes two separate identification solutions:

  • POCES: this solution, which works with an OTP token, is mostly used for personal identification, although it may also be used to identify employees.
  • MOCES: this solution is used for employee identification. It is based on a digital certificate which is installed on the user’s computer.

Additionally, enterprises can become NemID service providers with “NemID for erhverv”. This allows them, for example, to implement a login solution to identify their customers with NemID. Additionally, “NemID for erhverv” can be used by a company’s employees, board members, owners, and managers to act on behalf of the company.

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Swedish BankID

BankID is the leading electronic identification solution in Sweden. BankID has been developed by a number of banks for use by members of the public, authorities, and companies.

Individuals with a Swedish personnummer (Swedish national identification number) can use their BankID for digital identification, as well as to sign transactions and documents. The customer’s identity is guaranteed by the bank issuing the BankID. In addition, according to Swedish law, and within the European Union, BankID is an advanced signature. This means that a signature made with a BankID is legally binding.

BankID is available on smart card, soft certificate, mobile phones, and iPads and other tablet devices.

Adapted from https://www.bankid.com/en/om-bankid/detta-ar-bankid, accessed 2017-05-09.

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DigiD

DigiD is an identity management platform which government agencies of the Netherlands, including the Tax and Customs Administrations and Dienst Uitovering Onderwijs, can use to verify the identity of Dutch residents on the Internet. In 2015 it was used for 200 million authentications by 12 million citizens. The main reason for using DigiD is to reduce the number of usernames and passwords the user has to remember. This will reduce the need for customer support as well as ensure that the user can carry out their tasks easily.

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Telia e-legitimation

Telia e-legitimation Privat

The Telia e-legitimation Privat service can be used for secure electronic identification of private persons as well as signing documents on the Internet. Telia e-legitimation data may be stored on the end-user’s computer or on an electronic identity card from Telia.

Telia e-legitimation Förlitandetjänst

The Telia e-Legitimation Förlitandetjänst service is aimed at governments, businesses, and organizations that wish to use, or rely on, eIDs already issued. The service offers the protection of information in an e-service so that it only becomes accessible after the user has verified their identity.

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Estonian ID (EstEID)

Estonian ID Card (EstEID) is a personal electronic ID, which can be used for secure electronic identification and signature. Estonian ID Card is one of the accepted and major standards for providing eID to users in Estonia, and it is integrated into the Signicat ecosystem to further expand the current support to more than 60 million end-users. We support multiple languages to cover the majority of the users; currently these languages are Estonian, Finnish, and English.

We support not only ID-Kaart, but also Mobiil-ID, for full coverage of devices available for Estonian ID. Mobiil-ID is becoming more and more important and goes hand in hand with mobile-first trends. Signicat is the first cross-border identity hub to support EstEID. As the leading ID hub in Europe we enable both existing and new customers with cross-border identity solutions. Easy integration and fast time to market give our customers the advantage of integrating once and reusing the same interfaces.

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Yes

Yes offers a federated identity scheme for Germany, with the aim of simplifying logging in, buying, and signing.

Yes makes it easy for end-users to verify their identity for a third party without needing to create an additional account. Personal data protection is guaranteed by the user’s bank.

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Mobiilivarmenne

Mobiilivarmenne is a mobile implementation which uses SIM-Toolkit technology. Unlike Tupas another Finnish eID, Mobiilivarmenne utilizes roaming info. So if you are a customer of one of the Finnish mobile providers, you can log in to all of them. The following mobile providers supply Mobiilivarmenne:

  • Elisa
  • DNA
  • TeliaSonera
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Verimi

Verimi is a European electronic identity scheme. With Verimi, end-users can provide reliable proof of their identity to businesses and public authorities in a convenient and secure fashion. Users can choose which details they want to share with third parties. Additionally, Verimi allows users to safely store sensitive documents digitally, as well as connect to e-government services.

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Finnish electronic identity (FINeID)

FINeID (Finnish electronic Identity) is a Finnish method for the electronic identification of individuals using digital certificates — these are issued by the Population Register Centre in Finland.

Together with the local register offices, the Population Register Centre is the data controller for the Finnish Population Information System. The PRC maintains and develops the Population Information System, its data, and data quality, as well as certified electronic services. The PRC offers population information services and certificate services, and performs duties related to elections.

When it comes to FINeID, the PRC provides certificates for citizens, organizations, and the health care sector. The citizen certificate on the ID card issued by the police is the most common certificate provided, but other certificate products produced by the PRC include special smart cards and server and e-mail certificates for organisations and for the health care sector. They also issue biometric signature certificates for travel documents, such as passports.

Information gathered from https://vrk.fi/en/article/-/asset_publisher/certificates-fine-1, accessed 2019-01-14

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FNMT

FNMT (Fábrica Nacional de Moneda y Timbre) is an issuer of digital certificates for private persons and businesses. The certificates are available for Spanish nationals and residents and can be used to prove the identity of a person or business. Private persons and businesses can use the certificate to authenticate themselves and sign documents.

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TUPAS

Online Bank Identification (TUPAS) is an identification method provided by several Finnish banks within the framework of the Finnish Trust Network (FTN). Its main purpose is to serve as a strong identification method for citizens in Finland. Online Bank Identification allows businesses and organizations that provide Internet services to authenticate their customers with bank identification credentials issued by the Finnish online banks offering the service. Each bank authenticates its customers with the same bank-specific identifiers that the customer uses in the bank’s own services. The following banks are members of the TUPAS cooperation: Handelsbanken, Nordea, OP Bank Group, Danske Bank, Aktia, Saving Banks, POP Bank, Bank of Aaland, S-bank and OmaSP.

Please note that technical TUPAS protocol will no longer be considered suitable for a strong identity method’s API after 2019-09-30. Banks will start to use new technical protocols (SAML2 or OIDC) for online identification before that date.

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ID-porten

ID-porten is a login portal for public services in Norway. With ID-porten you can log in to more than 1000 different services from government agencies.

In order to use digital services from Norwegian public agencies, you must have an electronic ID (eID). You can choose between five different electronic IDs: MinID, BankID, BankID on mobile, Buypass or Commfides.

An electronic ID confirms that you are who you say you are when logging in to digital services. ID-porten is operated by the Agency for Public Management and eGovernment (Difi).

Adapted from http://eid.difi.no/en/id-porten, accessed 2017-05-09.

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Freja eID

Freja eID is an electronic identity on your mobile phone that allows you to log in to online services with your fingerprint or PIN, as well as sign and approve transactions and agreements. It also lets you monitor and control your digital activities. And if you upgrade to Freja eID+ (free of charge), you’ll get an eID which is officially approved by the Swedish Agency for Digital Government (DIGG) with the quality mark Svensk e-legitimation. Note that Signicat only supports authentication-based signing for Freja eID, and not eID native signing.

Adapted from https://frejaeid.com/en/, accessed 2019-01-09.

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iDIN

iDIN is an identity scheme which allows users to log in to other web applications using their bank credentials. All Dutch users which have a bank account will be able to use iDIN. The main reason for using iDIN is to reduce the number of usernames and passwords the user has to remember. This will reduce the need for customer support as well as ensure that the user can easily complete the tasks that they need to carry out.

By using iDIN, the user will be reusing their existing bank credentials to log in to multiple web applications. iDIN offers an identity which is verified by the bank and thereby can be trusted. This also includes information about the user such as their gender, age and address. In some cases, their phone number and e-mail address are also available.

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itsme

itsme is an identity scheme developed by banks and telephone companies in Belgium which has millions of users. It is is a game-changing app that allows all Belgian citizens in possession of a mobile phone and a bank account to securely identify themselves.

The identity of itsme users is derived from their bank account or Belgian National Identity Card (.beID), which allows itsme to provide a reliable electronic identity.

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MinID

MinID is an electronic login system used to secure a range of internet services in the Norwegian public sector. The communication with the MinID server is encrypted to secure information from unauthorized usage.

The purpose of MinID is to provide an electronic identity, so that users can be authorized to use electronic services in a secure way. MinID has a user database where social security numbers and PIN codes are saved.

MinID can be used to access more than 50 online services from various Norwegian public agencies, including the Norwegian Labour and Welfare Administration, the Directorate of Taxes and the State Education Loan.

MinID provides access to public services at a medium-high level of security (level 3). To register as a MinID user you need a national identity number or D number, and a mobile phone or e-mail address. You will receive a letter with a temporary PIN code which you will have to use to log in to MinID for the first time.

Information gathered from:
http://eid.difi.no/en/id-porten, accessed 2017-05-09
https://en.wikipedia.org/wiki/MinID, accessed 2017-05-09

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Norwegian BankID on Mobile

Norwegian BankID on mobile provides the same possibilities as Norwegian BankID. The difference is that end-users do not need the hardware token, which is required for BankID, when using BankID on mobile. All that they need to get up and running with BankID on mobile is a phone and a plan from a carrier that supports the service. See Norwegian BankID for more information.

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iDEAL

iDEAL is an e-commerce payment system used in the Netherlands which is based on online banking. Introduced in 2005, this payment method allows customers to buy on the internet using direct online transfers from their bank account.

iDEAL is owned by the Dutch organization Currence and remains by far the most popular method for online payments in the Netherlands, well beyond credit card use. As of November 2018, the total amount of payments exceeded two billion. All major Dutch banks are part of the iDEAL scheme.

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InkSign

There are several scenarios where the established national public key infrastructures (PKIs) add unnecessary or unneeded requirements for a given purpose. InkSign is a part of Signflow and enables you to utilize electronic signatures without the need for any external, single-purpose peripherals such as code calculators or code cards. InkSign captures the essence of real world ink signatures by collecting information and data about the user’s name in addition to a hand-written signature.

InkSign fits perfectly into a web scenario as well as an in-store scenario where the customer previously would sign a bunch of papers which would then need to be collected and manually processed. All of the information is packaged into a PDF result, containing both the signer’s name and signature as well as the original document. This result – the SDO (Signed Document Object) – is digitally signed to prevent any form of tampering after the signature has been applied. The SDO contains all relevant data in human- as well as machine-readable form, and can be used to instantly implement signed agreements to any document or customer management system.

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E-mandates

E-mandates provide digital authorization for direct debit payments in the Single Euro Payments Area (SEPA). Direct debit payments are well suited for payments such as subscription fees, utility bills or recurring fees.
Signicat supports ‘CORE’ e-mandates which allow you to collect direct debit payments with more than 3500 banks in the EU and EEA, either one-time or recurring. In addition, ‘B2B’ mandates (which limit the refund rights of the debtor) are supported for the Netherlands and Belgium.

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SMS OTP

Signicat’s SMS OTP is a simple identification method based on one-time passwords sent by SMS. A typical scenario may be this:

  1. A user accesses a service on a merchant that requires some sort of identification
  2. A merchant sends an SMS with an OTP to the user
  3. The user types the code in the merchant’s application
  4. The merchant receives the user’s phone number in the response from Signicat

Although this method alone does not provide a high level of security, there are no technical obstacles that prevent merchants from using SMS OTP as a standalone authentication method. However, the most common and recommended use is to use it to boost an existing login process. Integrating SMS OTP with any username/password login solution will result in a 2-factor authentication method.

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Mail OTP

Signicat’s Mail OTP is a simple identification method based on one-time passwords sent by email. A typical scenario may look like this:

  1. A user accesses a service that requires some sort of identification
  2. The merchant providing the service sends an email with a one-time password to the user
  3. The user types the password in the merchant’s application
  4. The merchant receives the user’s email in the response from Signicat

Although this method alone does not provide a high level of security, there are no technical obstacles that prevent merchants from using Mail OTP as a standalone authentication method. However, the most common and recommended use is to use it to boost an existing login process. Integrating Mail OTP in any username/password login solution will result in a 2-factor authentication method.

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MobileID SDK

The Signicat MobileID SDK provides merchants with an API to implement strong customer authentication (SCA) and use two-factor authentication in their mobile applications. Once the configuration is completed, the user will only have to provide a PIN or a fingerprint, or use facial recognition on the mobile device to log in. No password is needed and the end-user will not have to leave the application for authentication. The Signicat MobileID SDK can be used, for example, to log in to an application or add a digital signature to a document.

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MobileID app

The MobileID app by Signicat offers a simple way to implement and use two-factor authentication on mobile devices. When the application is configured, users can log in to online services by using a fingerprint, a PIN, or facial recognition on the mobile device. Electronic signing of documents is also supported.

Through MobileID, service providers can leverage fingerprint, PIN, and face recognition technology to provide the best user experience currently available, while still maintaining the security needed to perform transactions and other sensitive actions.

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Password Login

Signicat Password is a simple, user-administered identity solution for login with username/password. Signicat Password fits very well into any scenario where you already have a customer database, employee directory, or any other list of potential end-users that should have access to a web application. Signicat Password also makes a good supplementary solution when most, but not all, of your user base can use a strong eID solution.

Signicat Password handles distribution of first-time passwords for new users, recovery codes when users have forgotten their password, and password changes. You only have to provide the list of users. Registration codes and recovery codes can be distributed by SMS, post, or email.

Signicat Password allows for login with both static passwords created by the user and one-time passwords distributed by SMS or email. Login with Signicat Password is integrated with Signicat ID. The username/password solution will be available as one of the accessible eID solutions along with the solutions for strong authentication.

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IDnow

IDnow is a video assurance solution for digital identification and digital signature, predominantly in the German and UK markets. This will typically be the last of a series of assurance methods, and it is usually preceded by the end-user uploading a picture of an ID document, a picture of themselves, and possibly also the use of other electronic IDs, such as eIDs or consumer identities. The video assurance process is done by a call center operator performing a scripted interview with the user, which may or may not include the user showing the ID document.

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Paper Verify

The main purpose of the Paper Verify solution is to obtain photographs of identity documents provided by end-users. Paper Verify then proceeds to analyze the identity documents and extract the end-user’s identity details from it. These details are passed on to the service provider.

Paper Verify provides vital security features in order to ensure the authenticity of the identity document. Each identity document is checked towards an internal repository of known identity documents and their printed security features. These features and information, such as the expiry date on the identity document, are validated before the end-user is allowed to proceed. In addition, Paper Verify can be extended to collect self portraits from the end-user, which are then matched towards the photo on the identity document for further assurance of authenticity and proof of ownership.

Signicat supports a wide variety of documents from different countries; information on specific documents is available on request. If the document that you are interested in is not currently supported by Signicat, it can be enabled upon request.

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Mitek

Mitek specializes in digital identity verification and mobile capture built on artificial intelligence algorithms. Identity verification is carried out through patented algorithms that capture, classify, and authenticate photos of identity documents, including passports, ID cards, and driver’s licenses. The identity of the person holding the document is confirmed through biometric facial comparison of the photo on the document to a selfie. The list of countries covered by Mitek is available upon request.

Adapted from https://en.wikipedia.org/wiki/Mitek_Systems, accessed 2019-01-10

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Facebook

Users with a Facebook account can use Facebook to sign in to third-party websites and apps with their Facebook credentials. Signing up and logging in with pre-established credentials provides simplicity, as it reduces registration friction for the end-user.

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Google

Users with a Google account can use Google to sign in to third-party websites and apps with their Google credentials. Signing up and logging in with pre-established credentials provides simplicity, as it reduces registration friction for the end-user.

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Microsoft

Users with a Microsoft account can use Microsoft to sign in to third-party websites and apps with their Microsoft credentials. Signing up and logging in with pre-established credentials provides simplicity, as it reduces registration friction for the end-user.

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LinkedIn

Users with a LinkedIn account can use LinkedIn to sign in to third-party websites and apps with their LinkedIn credentials. Signing up and logging in with pre-established credentials provides simplicity, as it reduces registration friction for the end-user.

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Amazon

Users with an Amazon account can use Amazon to sign in to third-party websites and apps with their Amazon credentials. Signing up and logging in with pre-established credentials provides simplicity, as it reduces registration friction for the end-user.

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PayPal

Users with a Paypal account can use Paypal to sign in to third-party websites and apps with their Paypal credentials. Signing up and logging in with pre-established credentials provides simplicity, as it reduces registration friction for the end-user.

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  • Registry lookups
  • Public eIDs
  • Other methods
  • Hosted identity methods
  • Digital identity document verification
  • Consumer identities