VideoIdent.

Summary

VideoIdent is a remote expert-led and regulated Know-Your-Customer (“KYC”) process conducted through a live video chat with a trained identification Specialist Agent (“Specialist Agent”).

Service Description 

IDnow Video Identification Process (“process“) identifies persons (“user(s)“) on behalf of the Customer and/or its End-Customers through video transmission. Users can access the IDnow identification service through mobile terminals or computers provided they can connect to the internet and use this connection to join a video chat.

The product is module-based and configurable, allowing Customers to adapt it according to their specific use case and regulatory compliance requirements in accordance with the regulatory framework applicable to them. For instance, Money Laundering Act (BGBl. I S. 1822); BaFin Circular 3/2017 (GW); Telecommunications Act (TKG) (BGBl. I S. 1858); FMA Austria Circular on AML/CFT due diligence. To understand its potential limitations, customers must refer to the specific technical documentation of the product.

Key Capabilities

Product Configuration: Customers may configure the product in terms of:

• Level of involvement of the Specialist Agent
• Security features checked or questions asked
• Identification process according to the regulatory framework applicable to them (i.e. laws, regulations and circulars in force)
• User’s Consent (optional)
• ID image capture – front & back  
• Facial recognition & User ID – Matching (optional)
• ID image  – Quality Check (optional)
• ID image – Data Processing (optional)
• Expert-led video verification
• Purpose of Identification (optional)
• Liveness Detection (optional)
• ID integrity check (optional)
• Recognition of Optical ID Security Features (optional)
• Recognition of Formal ID Characteristics (optional)
• Personal Information Matching (optional)
• Two-Factor Authentication via TAN (optional)

Additional requirements

• Premises (Ident Centers) with access controls (optional)
• Automatic deployment of processes to prevent tampering (optional)
• End-to-end encrypted process in accordance with TR-02102 [Technical Guideline of German Federal Office for Information Security (Bundesamt für Sicherheit in der Informationstechnik – BSI) (optional)
• Process recording (optional)
• Identity documents database – Accepted documents & Verifiable attributes for specific regulatory compliance requirements (optional)
• Data protection (according to Art. 4 No. 8 of GDPR where IDnow acts as Processor) 
• Monitoring of Risk Indicators (optional)
• Secondary document capture (optional)
• Additional document verification – for Proof of address capture (optional)
• Liveness detection and ID number read-out (optional)
• Geolocation IP Blocking for targeted protection of access to digital services (optional).

Quality Management

• Standard quality checks
• Additional quality checks or manual reviews to ensure specific regulatory compliance (optional)
• Custom workflow/Specialist Agent greeting (optional).

Standard Data Retention and Deletion

• Standard data retention: visual and sound recordings made available to Customer and unless otherwise agreed in writing; deleted from production system within 60 days and from backup within 30 days
• Extended data retention (optional).

Optional Modules and Configurations  

• IDnow eSign (contract-signing): remote electronic signature process in accordance with eIDAS regulation supporting QES, AES and SES
• Archiving (optional as additional add-on)
• IDnow eSign Wallet: enables Users to reuse a one‑time verified identity for recurring QES issuance under eIDAS  
  • Single enrolment: User completes video identification once and sets a secure wallet password plus registered email for future signing links. 
  • Faster QES signing: subsequent QES signing uses two‑factor authentication (password + email flow) instead of repeated identity verification, reducing time and cost.  
  • Security & re‑enrolment: credentials cannot be changed without a new video identification; wallet validity is capped at 24 months, after which re‑identification is required.  
  • Availability: offered only with specific pre‑certified product configurations and exclusively via partner DocuSign Inc.

Service Hours 

• General service hours: 00:00–24:00 CET after integration. 
• Manual verifications and reviews: 08:00–24:00 CET. 
• Service Hours for Video chat: 
  • Regular: 08:00–23:59 CET;
  • Night: 00:00–07:59 CET (subject to availability, optional module).

Compliance summary

VideoIdent supports regulatory frameworks including the circular from The German Federal Ministry of Finance (BMF) regarding Section 6, Paragraph 2 Point 2 of the German Money Laundering Act where the German Financial Supervisory Authority (BaFin) has published “Circular 3/2017 (GW) – video identification procedures” specifying the requirements for identification using video transmissions and the circular from the Austrian Financial Market Authority (FMA) regarding Due Diligence Obligations for the Prevention of Money Laundering and Terrorist Financing as of 23 February 2022, where specific requirements for identification using video transmissions are outlined. Therefore, VideoIdent offers recommended module composition, where customers must select appropriate modules in the Order Agreement to meet specific jurisdictional requirements.