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Our answers about electronic sign questions : How to do this? What legal legal value? Who can certify a signature?

How can we fight identity theft?

In the banking business and the government sector, document fraud is a very real risk. These frauds generally involve identity theft. Every day, many people in France fall victim to identity theft and complain to the police. These offences are punished severely by the law, but they are still increasingly frequent. As well as being troublesome for individuals, these frauds cost businesses and states thousands of euros every year. To avoid the risk of identity theft, it is vital to make effective use of processes that offer greater security, such as digital identities The customer/citizen creates an account online and undertakes a series of checks. They can then authenticate their identity on the internet (to a website or application) in a few seconds, totally securely, using their mobile and a secret code.

What is a service provider?

A service provider is a partner who supplies services to end users. In general, service providers do not themselves authenticate users; they ask an identity provider to take authentication decisions. Service providers count on identity providers to verify users’ identities. For example, FranceConnect is a service provider that uses Mobile Connect & Moi to authenticate its users.

What is an identity provider?

An identity provider is a partner who guarantees the identity of its users. The identity provider authenticates a user and transmits information enabling the user’s identity to be authenticated to the service provider.

The identity provider manages users’ identities to relieve service providers of this responsibility. For example, Mobile Connect & Moi is an identity provider developed by ARIADNEXT for FranceConnect.

What is the difference between Mobile Connect and Mobile Connect & Moi?

Mobile Connect is a free service offered by Orange to its subscribers to identify and authenticate themselves securely on compatible websites and applications.

Mobile Connect & Moi is a service offered by ARIADNEXT. Mobile Connect & Moi also offers a simple, secure way of managing your electronic identity, enabling electronic identification to a set of services offered by the FranceConnect platform, for example. The first time you use the service, you create your digital identity using your smartphone and an identity document (national identity card, passport, residence permit). The mobile app guides you through this process step by step.

What is PSD2?

On 24 July 2013, the European Commission published a legislative package that included a proposed revision to the Payment Services Directive (DSP2). This new, modernised legislative framework takes account of technological developments and new use cases that have emerged in the payment market since PSD1 was adopted in 2007 (continued growth in e-commerce, development of m-commerce etc.).

The trust that French people place in their banks is based on the security of the payment methods they provide. This is why banking institutions invest continuously in securing payments on a large scale. The directive requires strong authentication (proof of identity) for payments of over 30 euros.

How can we protect our digital identities? How is access to a digital identity secured?

MobileID.io offers end users a pathway using two authentication factors: a phone and a code. The user enters their phone number (which becomes their identifier) into the mobile app and creates a secret code (required during authentication). The app then asks them to enter an email address and capture their identity card or passport. At the same time, it asks them to take a photo of themselves. It then carries out a series of checks. The user’s personal data is only ever shared with their explicit agreement. The MobileID.io platform enables you to track identities and manage the processes associated with their life cycle, from creation to deletion.

How is an identity checked?

Our IDCheck.io identity verification tools are part of our offer and of your customer experience: capturing documents, checking their authenticity, validating identity (by face matching and biometric recognition) and initialising a secret code.

Who can use MobileID.io?

Any company or administrative authority that wants to give access to its services online to people with proven identities, automatically and securely, in France and Europe.

What is a digital identity used for?

A digital identity allows you to register your identity and identify yourself totally securely on the internet in a few seconds using a mobile phone. The initiative is a response to problems linked to identity fraud (identity theft, forged identity cards). MobileID.io is a mobile platform for creating and managing digital identities. It enables end users to protect their personal data and privacy when buying products, subscribing to services or creating an account.