Firma electronica verification#

It reinforces trust thanks to the implementation of KYC.

Whereas we speak about proof inversion in the case of a qualified signature: the signatory person must prove that his identity was usurped.ДЄs mentioned before, the eIDAS Regulation provides a framework for electronic signatures by imposing different levels of security depending on the nature of the transactions. Note that in the event of legal disputes over an advanced signature, for example, the party requesting the signature must prove its authenticity.

Firma electronica verification#

This identity verification step within the electronic signature can be achieved in two ways: face to face or remotely. In the case of a signature, the authenticity and integrity of the signed document are guaranteed for both parties, and the identity of the signatory is secured. It can occur at different stages in the relationship between a company and its customer: either when entering into a relationship or when signing the contract electronically. The overall goal of a KYC process is to define and verify the identity of the customer during a digital transaction. Therefore, KYC has been included in the electronic signature to meet eIDAS Regulation requirements. These higher levels of security apply to, for example, certain financial transactions or any documents of significant legal value such as life insurance, real estate sales agreements or bank account opening contracts. This way, the KYC ensures that the person behind the screen is who they say they are. This is where вЂњadvancedвЂќ and вЂњqualifiedвЂќ signatures come into play by integrating a KYC step into the signature process. Then, to meet higher levels of security requirements, the eIDAS Regulation requires identity verification of the signatory. The Advanced Signature and the Qualified Signature However, this first level can in some cases be reinforced by an authentication step with an SMS OTP (One Time Password) sent to the signatory to verify his/her identity.

The types of documents that require this level of signature can be invoices, membership contracts or quotations. Security levels of eSignatures The simple signatureДЇirst, the вЂњsimpleвЂќ signature is used for small transactions since it does not require identity verification. Indeed, there are 3 levels of digital signatures. It defines security levels for transactions according to their importance. This European Regulation, Electronic Identification and Trust Service, aims to increase trust in digital transactions. It is therefore admissible as evidence in court if it meets all the conditions of the eIDAS Regulation. What is the legal value of electronic signature?ДЄccording to article 1367 of the French Civil Code, the electronic signature has the same legal value as a handwritten signature.