Signature issuance with IDV
Unified document-based IDV with Instant signature issuance
Combines document-based IDV in Capture mode with instant signature issuance capabilities.This unified approach streamlines customer onboarding and contract execution while maintaining compliance with document-based IDV and electronic signature regulations.
Users can complete document-based IDV through agent-assisted review (VideoIdent), automated visual verification (AutoIdent), combined with either contract signing (eSign) or qualified electronic signature (QES). Each mode ensures compliance with regulations such as eIDAS, AML, GwG, and BaFin.
Key features
This step can operate in one of three modes, driven entirely by the configured shortname:
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VideoIdent with contract signing (VI + eSign): This flow combines agent-assisted VideoIdent verification with contract signing. The user first reviews the document, then completes a VideoIdent step to confirm their identity. After this verification, the user signs the document. The trust requirement is to ensure that the person signing the document is the authorised individual.
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AutoIdent with contract signing (AI + eSign): This flow combines automated AutoIdent verification with contract signing. The user completes an AutoIdent step to confirm their identity and then signs the document. Like the VI + eSign mode, the primary goal is to get a document signed, but the identity verification is performed automatically rather than through an agent.
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AutoIdent with qualified electronic signature (QES): This flow is used when the primary goal is identity verification, not contract signing. No contract is provided. The process focuses on performing an AML‑compliant document-based IDV step, and the trust seal/signature element is added only as an additional verification layer, not as a contract signature.
Configuration
| Parameter | Type | Required | Default | Description |
|---|---|---|---|---|
signingMode | String | Yes | - | Signing behaviour. Values: CONTRACT_SIGNING (requires DocumentsToSign) or QES (document configured at account level) |
inputSources | Object | Yes | - | Maps identity data sources to flow step IDs for pre-filling the session |
inputSources.basicIdentity | String | Yes | - | The ID of the step providing the BasicIdentity data block. |
inputSources.documentsToSign | String | Conditional | - | The ID of the step providing the DocumentsToSign data block. Required when signingMode is CONTRACT_SIGNING |
config | Object | Yes | - | Environment-specific configuration for identity verification and signing services |
config.live.shortname | String | Yes | - | Shortname identifier for the live environment, linked to a pre-configured journey on the platform |
config.staging.shortname | String | Yes | - | Shortname identifier for the staging environment, linked to a pre-configured journey on the platform |
enableRetry | Boolean | No | false | Enables the retry output port for handling user cancellations and agent-side rejections. |
Input datablocks
Input requirements for this step.
| Data block | Mandatory | Description |
|---|---|---|
BasicIdentity | Yes | BasicIdentity data containing first name and last name to initiate the verification session |
DocumentsToSign | Conditional | Contract PDF documents to be signed. Required when signingMode is CONTRACT_SIGNING; optional when QES |
*If the data block is not available when required, the flow will fail validation.
Verdicts
Verdicts for this step.
| Verdict | Description |
|---|---|
verified | Successful document processing with identity extraction and signing. User's documents were successfully verified and signed. |
fraud_detected | Document or liveness identified as fraudulent. This occurs when fraud is confirmed after manual review. No signed documents produced. |
retry | Available when enableRetry is configured. The user abandoned or cancelled the session, triggering a retry transition. |
When the user abandons or cancels the session and no retry port is configured, the session is aborted rather than routing to a named verdict. Agent-side cancellation (e.g. due to poor image quality) also results in either a retry transition or a session abort.
Output datablocks
Datablocks produced per verdict.
| Verdict | Data blocks produced | Notes |
|---|---|---|
| verified | BasicIdentity, ExtendedIdentity, BiometricSamples, DocumentData, DocumentImages, DocumentVerification, SignedDocumentsPackage | All identity data and signed documents extracted |
| fraud_detected | BasicIdentity, ExtendedIdentity, BiometricSamples, DocumentData, DocumentImages, DocumentVerification | Contains fraud detection details |
| retry | DocumentVerification | Only available when enableRetry is configured |