BankID identification

What is Bank Identity (BankID)

Bank Identity – BankID is a project of Czech banks under the umbrella of the Czech Banking Association. Its goal is to enable banks to provide their clients with services for identity verification, document signing, or logging in to various online services. Similar systems operate, for example, in the Scandinavian countries.

What BankID remote identification is and is not

One of the Bank Identity services is remote (distance) identification of a person, offered in three levels:

• BankID Connect
• BankID IDENTIFY
• BankID IDENTIFY PLUS
• BankID IDENTIFY AML

These levels differ in the scope of the information provided and in the price of the service. You can find more information at www.bankid.cz/pro-firmy.

For the BankID IDENTIFY and BankID IDENTIFY PLUS levels, the service is provided commercially directly by Signi, which also bills it to you as part of its services.

When using the BankID IDENTIFY AML service (the highest level for the purposes of the AML Act), your organization must have a contract concluded directly with Bankovní identita a.s.

Billing for this service then takes place between you and Bank Identity. Here, Signi acts only as a technical intermediary.

To activate the BankID IDENTIFY AML service, you must add your authentication details in the workspace settings in Signi.

Remote identification at the BankID IDENTIFY and BankID IDENTIFY PLUS levels can be provided commercially by Signi and billed to you as part of its services.

For remote identification at the BankID IDENTIFY AML level, in accordance with the requirements of the AML Act and the Financial Analytical Office (FAÚ), you must, commercially or legally, have a contract concluded directly with Bankovní identita a.s., see https://www.bankid.cz/pro-firmy. Billing for the services of Bankovní identita a.s. then takes place between you and Bank Identity; in this case Signi acts only as a technical intermediary of the service.

Substantively, everything works the same in Signi; to set up the BankID IDENTIFY AML service, you simply set your authentication details for the Bank Identity services in the workspace settings in Signi.

**Note:** Remote identification via BankID is not a legal act (an expression of will). It thus differs from the BankID SIGN service, which is used for electronic signing of documents.

Advantages of BankID remote identification via Signi

Signi customers do not need to carry out any technical integrations to use Bank Identity. You just need to set the required details in your workspace.

Documents for signature are sent just as before. When verifying their identity, the signing person simply chooses the option to verify via Bank Identity.

If the counterparty is unable to use BankID, they can use the alternative Signi identification, which works with uploaded documents, a liveness test, and a micropayment.

How identification works – step by step

For the proposer

1. After uploading the document and entering the counterparty, select "Verification and other" > Bank ID from the menu.

2. Choose the required identification level (BankID IDENTIFY, PLUS or AML).

3. Continue to the document content, add the signature fields and send the proposal. Signi will then automatically send a notification to the persons for whom identification is required.

For the counterparty being verified

1. After receiving the e-mail, click the "Proceed to identification" link.

2. After being redirected, select the bank through which you want to verify your identity.

3. Enter your bank login details.

4. Confirm the login in your mobile banking app.

5. In the next step, grant (or refuse) consent to the transfer of personal data.

6. Once identification is complete, an e-mail with the result is automatically sent to the proposer.

For the proposer after identification is completed:

After receiving the notification that identification is complete, click "Show identification result" in the e-mail, or open the relevant document in the app and select the Identification option in the left panel.

Email

Application

An overview of all the details verified during the identification is displayed.

You have the option to:

• approve the identification – the process continues with signing the document,
• reject it – in that case, state the reason. The system sends the counterparty a notification requesting them to complete the details.

In case of rejection, state the reason, which will then be sent with the notification to the e-mail of the counterparty being verified, who will also be asked to correct/complete the information you require.

Once the identification is approved, the document can be sent for signature to the successfully verified counterparty.