Trusted Third Party Services

Transcription

1 Trusted Third Party Services State of the art legal and technological security in contracting, notification and communications

2 1. About Logalty 2 Logalty is a Trusted Third Party incorporated in 2005 as part of the prestigious law firm Garrigues, under article 25 of Law 34/2002, of July 11, 2002 on Information Society Services and Electronic Commerce. SOCYAM 51% 39% 10% 40% 60% 50% 50% Legal Management Logalty Logalty has been accepted as an Associated Member of Eurofinas in 2015

3 2. Logalty; eidas 3 LOGALTY BRINGS ITS TRUST SERVICES INTO LINE WITH THE NEW EUROPEAN eidas REGULATION By the end of 2015, Logalty, Asnef Logalty and Asfac Logalty will have brought their Services into line with REGULATION (EU) No 910/2014 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL Logalty and Asnef Logalty participate in: European Telecommunications Standards Institute (drafting of technical standards) SMART 2012/0001 European Commission Study; IAS Project SMART 2012/0001 European Commission Study; Digital Agenda for Europe Horizon 2020 project relating to security and interoperability of trust services

4 3. Why Asnef Logalty? ASNEF and LOGALTY are the perfect partners to provide joint services to Credit Institutions: 4 ASNEF: Sound knowledge of the consumer credit financial sector Anticipation of sectorial needs in regulatory, operative and legal matters Supplementary services that provide for vertical and integrated online contracting services LOGALTY: Sound knowledge of trusted third party services Strong technological and innovative capability Leading shareholders Creation of a unique value Proposal in the market: Online contracting + online/postal notification + communications Public registration services On-line evidence valid in court Incorporation of services designed to prevent fraud, money laundering and registration in Chattels Registry

5 4. What do we offer as a trusted third party? 5 What guarantees are provided by a trusted third party in online, remote or personal contracting? 1. Fully guaranteed Certification that the displayed contract is what is signed, as it is the trusted third party that manages the signing mechanisms. 2. Fully guaranteed Association of the contract content to the signatures of the persons involved, as it is the trusted independent third party, through its services, that performs the act of contracting. 3. Fully guaranteed Availability of evidence of the providing of the contract prior to signing, given that it is the third party that collects such evidence. 4. Fully guaranteed Evidence that the issuer has not used the electronic signatures for any other document, as it is the third party only that collects and keeps the signatures in custody.

6 5. Service Solutions 6 Logalty provides Service Solutions that enable its clients to (i) promote models of multi-channel distribution; (ii) reduce costs; (iii) use safe online solutions that are (iv) easily integrated and scalable. Solutions cover signature needs in: Personal Channels, with handwritten digitalized signature and biometric features in all types of contracts and documents (one or more) with clients (one or more signatories). Website Channels, with the use of different electronic signature systems that adapt perfectly to direct channels, providing the possibility of uploading signed documents (identity cards, pay slips, receipts, etc.), attached to online contracts. Call Centers, Logalty enables the use of telephone channels in conjunction with direct channels for the remote signing of contracts. Solutions enable mobile distribution models, given that the services use platforms that are: a) Multi-channel and Multi-service b) Multi-signatory and Multi-participant c) Multi-document d) Multi-device

7 6. Integrated Contracting Solution 7 Pre-contract Services Online Contracting Solution Post-contracting Services Collecting of documents. Identification of clients. Extraction and verification of document details. Anti-fraud services. Anti-money laundering legislation compliance services. Electronic signature of contracts and all kinds of acceptance: Services solution for multi-signature: Biometric freehand signature on tablets Signature via SMS with operating codes sent to cell phones Signature using electronic identity cards and other recognized certificates Biometric voice signature Solution with multi-channel services: Integration of services into: - Sales outlets - Internet /direct channels - Call centers Solution with multi-document services: One or more documents can be signed, by one or more signatories at one or more times, according to client needs. Solution with Certified Notice Services: Online notification and Postal notification (bureafax) Online notification with SMS and/or phone message. Solutions for recording in Registries: Chattels Registry Tablet Support and Distribution Services (operative leasing)

8 7. Online Contracting Operative model 8 Clients Sales Outlets COMPANY (ISSUER) Electronic Evidence Matrix Clients Website Channel Brokers sms/signature/voice Clients Call Center

9 8. On-line Contracting Signature services 9 Logalty supports different forms of signature. All new methods that may appear are incorporated into the solution, without the need for the Issuer to make significant changes to documents. Logalty signature systems Pin SMS Telephone Signatory COMPANY (ISSUER) Contracts Voice Telephone Signatory Certificate Each type of signature can be associated to the signatory and each group of documents to be signed, independently to the other signatories. Biometric signature Touch screen devices Signatory

10 9. Online Contracting Signature Methods 10 Bank offices / Sales outlets Internet Call center OTP signature via SMS Handwritten digital signature Biometric Voice Signature Signature certificate

11 10. Services of Logalty Signature Methods 11 Online Contracting Online Notification Online Communication OTP signature via SMS Digital handwritten signature Biometric voice signature Signature via Certificate

12 11. Online Contracting LOGALTY CERTIFICATE of transaction completion 12 Request INE Contract Insurance Logalty Certificate

13 12. What can a trusted third-party offer? 13 What are the competitive advantages of the Logalty Services Solution? 1. Promotion of distribution models with mobility, strengthening innovative image 2. Improved efficiency, saving costs and ensuring zero loss of documents and contractual data 3. Significant time savings in commercial management 4. Ability to electronically manage all sensitive client relations 5. Use of the latest electronic signature solutions on the market 6. Compliance with all legislation applicable from time to time 7. Access to a secure, scalable and constantly updated platform

14 13. Operative leasing of tablets Offer of operative leasing services 14 Aim. To facilitate online contracting as far as possible: (i) multi-channel; (ii) multi-document; (iii) multi-party and (iv) multi-signature by all parties involved. The value proposal therefore includes operative leasing of tablets, offering clients in the pilot phase the possibility of returning tablets at no cost. Devices Management of device stock Personalization of devices Accessories Logistics Distribution Customer Service and Assistance Replacement Equipment stock Transport insurance Warranty management MDM (Mobile Device Management) Platformed Infrastructure (hardware, software and licenses) Service model in: Support Operation Management Services provided: 24x7 Type of service: telephone/ Remote platform management Application versioning

15 14. LGT Biosig Freehand Biometric signature 15 LGT Biosig is a Logalty solution that includes multiple methods of signature, including handwritten signature on a device for the capture of dynamic biometric signatures. The recording device registers parameters such as the speed and pressure of the signature and produces a calligraphic model of the signature based on such parameters. The model is developed using a sole mathematic algorithm that is independent to the device on which signature takes place, which allows the comparison of signatures on different devices: Apple ipad/iphone, Android, BlackBerry, Windows Phone, Windows 8 and Windows (Wacom, elink, etc.). The identity of the signatory can be checked by comparing the biometric data in real time.

16 15. Logalty Service Solutions 16 Certified Online Contracting For tablet signature, the client is only required to be present Internet signature requires an address and/or registered client cell phone Forwarding of contract hard copy not necessary Total legal guarantee of valid contracting carried out by Logalty Does not require the use of electronic certificates Multi-channel / Multi-signature / Multi-service Internet / Intermediaries / Agents / Sales Outlets Biometric Tablets / Electronic signature / SMS Codes / Voice The issuer sends Logalty the signatories details and the documents to be signed. Logalty contacts the signatories using the system agreed upon with the Issuer. Logalty obtains acceptance by all signatories of the content of the documents using the signature method agreed upon with the Issuer. Logalty sends the evidence of the contracting procedure to the Issuer and the signatories.

17 15. Logalty Service Solutions 17 Certified Notification - Online Notification ( electronic bureaufax ) Notified party and/or cell phone required Same legal validity as hard copy bureaufax Content always certified and receipt acknowledged - Postal Notification ( postal bureaufax ) - Voice ( voice bureaufax ) Only postal address required Same legal validity as postal authority bureaufax Only notified party cell phone required Notified by voice The issuer sends Logalty the receiver s details and the content of the notice. Logalty contacts the receiver using the system chosen by the Issuer. Logalty obtains acceptance by the receiver by means of the method chosen by the Issuer. Logalty sends the Issuer and receiver evidence of the notice procedure.

18 15. Logalty Service Solutions 18 Certified Online Communication - Online Communication ( certified ) -Certified Sms ( cell phone ) Notified party address required Content and receipt certified Collection of notice certified Only cell phone number required Proof of receipt Content certified The Issuer sends Logalty the receiver s details and the content to be notified. Logalty contacts the receiver using the system chosen y the issuer. Logalty obtains access to the document from the receiver. Logalty sends the issuer and receiver evidence of the notice procedure.

19 15. Logalty Service Solutions 19 Logalty guarantees - emandate (note*) Content integrity Stamped commencement time, distribution and formalization Evidence that the document is made available prior to being signed 5-year minimum custody By Internet: debtor address and cell phone no required. Debtor may sign by SMS / edni code By tablet in person: may sign with biometric / edni/ Electronic Certificate / SMS code Note*: To limit the financial risks faced by companies, the new SEPA legislation requires client authorization to be able to make direct debits. Logalty enables such authorization to be obtained by means of online systems (e-mandate) in an easy and secure way that complies with the legislation governing the formalization of documents in the European Union. The Issuer sends Logalty the mandates to be signed, the debtor s details and the type of mandate (B2B or CORE) for Logalty to execute the order. Logalty contacts the debtor using the system chosen by the Issuer. Logalty obtains acceptance from the debtor using the method chosen by the Issuer. Logalty sends the Issuer and debtors evidence of the mandate procedure.

20 16. Acknowledgement and CSR 20 CSR- responsible and sustainable company: Clients Trust Services NetApp Innovation 2012 Prize for Innovation Suppliers Mutual benefit Shareholders Excellence of our processes MPF European Practice Management Awards Logalty Prize for "Use of Technology" Company Social Action Projects Employees Ideal environment Financial Times Innovative Lawyers Awards Logalty Top prize in the category of Technological Innovation and Know-How In 2014 Logalty signed the United Nations Global Compact.

21 21 Thank you Tel Avenida de la Industria, Alcobendas-Madrid