The Video-Ident procedure is an online method of identification to confirm your identity. Video-Ident is the short form of video identification. This procedure is mainly used by online banks (so-called direct banks) to have the personal data provided by your customers confirmed.
Video Ident - what is it?
Video-Ident is a method for online identification via video chat. It's supposed to be an easy way to verify identity. It may completely replace the Post-Ident procedure in the future.
Such an identification process is necessary, for example, if you want to open a new bank account or conclude a mobile phone contract online . Some online orders , for example for FSK18 titles , may also require such a confirmation.
Video-Ident - how does it work?
The video identification takes place online . So you can do it from the comfort of your home or even on the go. There are also hardly any problems with technical requirements. All you need to do is have a stable internet connection . And a device that can broadcast live video on the Internet , such as a smartphone, tablet or PC with a webcam . The latest updates for a current browser should also be installed on the device . You should also have a valid ID or passport on hand. This must not expire within the next three months.
You will receive one from your bank, usually by email Link . This then leads you to the secure side of a company, for example IDnow, which operates independently of your bank. Most banks have outsourced such identification procedures for increased security. An employee of the relevant company will then carry out the video identification procedure with you via the link .
You have to be seen in front of the camera yourself. All you have to do is follow the instructions. At times you should also hold your ID card in front of the camera - it is important that both the front and the back are legible . Some companies will also send you a security code or a TAN via SMS or email to which you have to enter at the end of the process. Your identity was then successfully confirmed so that you can then carry out financial transactions at your bank as normal..
Video-Ident - how secure is it?
The video identification process is a good way of securely verifying personal data . Because as long as your own device is well protected against viruses, the risk of data misuse remains very low . A 100% protection is of course not guaranteed, because despite a secure connection, hacking attempts can always occur.
By the way: Both the Post-Ident procedure and the Video-Ident procedure are permitted under the German Money Laundering Act . According to this law, clear proof of your own identity must be provided in order to open and maintain a bank account .
Video-Ident certainly works better than the Post-Ident procedure , especially for many working people . In contrast to Post-Ident, you don't have to go to a branch to have your identity confirmed there. Instead, you can conveniently present your ID in a video chat online so that your personal data can be confirmed.
The only skepticism is if you are asked to use an external program . This can be Skype, for example. If the identification does not take place via the company's own site, comprehensive security is not guaranteed .
