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Integration with mObywatel – how an app can replace a customer’s ID Card
Today, users increasingly expect mobile solutions that are fast, convenient, and accessible on their smartphones. It’s no surprise then that the mObywatel app—allowing digital identity verification—is growing in popularity. Moreover, integrating mObywatel with the back-office systems of financial or administrative institutions can address real challenges related to identity verification. Traditional ID checks, even in bank branches, carry risks—there’s no guarantee the employee won’t make a mistake, or that the person presenting the document is who they claim to be. But what if doubts arise afterward regarding the accuracy of the identification? Learn how Digital Gateways supports this process by providing institutions with direct access to reliable data from government servers—securely, legally, and in line with customer expectations.
What is mDowód?
As of July 14, 2023, the identity document within the mObywatel app (mDowód) holds the same legal status as a traditional ID card. It's important to note that mDowód is not a digital copy of the physical document— it has a different serial number, issue, and expiry dates than the plastic version. It enables every citizen to be verified via a digital certificate. Recently, some young people have begun purchasing fake mDowóds to impersonate adults and bypass age-restricted regulations. This raises an important question — how can we effectively prevent misuse?
Identity Verification via mObywatel in back-office systems – a solution from Digital Gateways
Before a customer can complete a transaction or purchase a product, they often need to verify their identity. Traditionally, this is done by showing a physical ID card. However, this method is prone to human error—an employee may misidentify someone based on the photo alone. As we know, verifying with mDowód can also involve risks, with reported cases of fraud in SIM card registration or loan applications using fake digital IDs.
All these challenges are effectively addressed by Digital Gateways’ service, which integrates with companies’ back-office systems to verify customer identities. The verification process is not only fast and error-free but also highly secure, as the data is sourced directly from government databases. Furthermore, Digital Gateways ensures full legal compliance, providing institutions with top-tier personal data protection. For added transparency, the app generates a verification confirmation document, made possible by a unique Audit Log service.
Qualified Audit Log – Irrefutable proof of identity verification
The Audit Log, a technical record of events, safeguards digital processes and electronic signatures. Using blockchain technology, it guarantees the integrity and non-repudiation of data. It allows institutions to audit the complete history of actions—crucial in case of disputes or inspections. The Audit Log becomes an invaluable tool in ensuring compliance with legal regulations and security standards, which is a foundation of the Digital Gateways mDowód verification service.
In-branch verification of mDowód
This fintech solution was developed to precisely and efficiently verify customer identities using mDowód at physical locations. Whether it’s a bank, telecom, or retail store, the DG app can be used in all cases.
How does the process work, step by step?
- A branch employee generates an mObywatel business card with a QR code, linked to the branch code, employee ID and optionally the type of service/product being verified.
- The customer scans this unique QR code displayed by the employee responsible for identity verification.
- The customer, within their app, gives consent to share their data with the institution.
- After confirmation, Digital Gateways provides the institution with the necessary data. Each data transfer is secured by the unique Audit Log recorded on the blockchain, ensuring permanent confirmation of the actions taken.
- The institution’s employee can now review the customer's data presented via the mObywatel app.
Digital Gateways – A guarantee of security
The solution provided by Digital Gateways ensures transparency and security in the identity verification process — for both the customer and the institution. Every stage is monitored and documented.
Key advantages of the solution
Security of verification:
- Customers cannot use a fake screenshot of mDowód.
- The DG app uses advanced cryptographic methods and retrieves data from government servers.
- Risk of misidentified physical documents is eliminated.
- The app user knows their data is shared only briefly during verification.
- The Audit Log records every action taken by both the employee and the customer, providing irrefutable evidence of the verification process.
- The QR code contains metadata about the employee, the service being verified, and other identifying details—making it easy to track who performed the verification.
Usability:
- The process is fully transparent for the user—they can see which institution is accessing their data.
- Users don’t need to carry a physical ID.
- Blockchain enables remote verification while maintaining top-level security.
- After verification, the employee can access the customer’s data for the next onboarding step without re-entering it manually.
- The process is quick and automated, improving customer experience and saving time.
Thanks to the Digital Gateways product, institutions can operate efficiently while meeting all legal and cybersecurity requirements. Beyond in-branch use, the app can also be utilized for remote processes using mProfil.
