QS-DIW

Digital Identity Wallet

Finance

Free

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Rating summary

Details about QS

Released
Updated
iOS Version
Age Rating
Size
Devices
Languages

February 9, 2019
October 1, 2024
15.6+
4+
13.19MB
iPhone, iPad, iPod
English

Developer of QS

Quali-Sign LTD

⭐️0 / 5

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📼2 scs

Media↘︎

📦~ in 2 months

Updates frequency↘︎

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Version History of QS

0.8.49

August 6, 2024

Added support for deep linking (app-to-app redirection)

0.8.48

April 22, 2024

Introduces option for Payment SCA proof to take the form of an Enveloped Countersignature.

0.8.47

February 29, 2024

Added support for Payment Status Reports (PSRs) and server Acknowledgements (HAC).

0.8.46

January 23, 2024

Enhancements to interfaces with service providers

0.8.45

November 23, 2023

Minor functional changes. Integration with new service provider (server) environment.

0.8.36

May 21, 2023

Added support for key (& certificate) rotation for maximum user privacy

0.8.35

February 18, 2023

Incorporates CBDC payer history within the proof package. Enhanced BLE support.

0.8.34

February 7, 2023

Incorporates CBDC payer history within the proof package. Enhanced BLE support.

0.8.33

October 28, 2022

The debtor and creditor elements in a PAIN.001 payment instruction are now represented by attribute attestations, linked to the wallet holder's digital identity.

0.8.29

July 28, 2022

For procedures that combine a payment with attribute presentation and signing documents (e.g. T's & C's), the payment related elements can now be separated from the other elements to ensure that only the payment elements are shared with the PISP & ASPSP.

Description of QS

QS-DIW is a Digital Identity Wallet (DIW) app. The app is used by people to authenticate and sign payments and/or contracts as well as present verifiable information (attributes) about themselves. The person must perform Strong Customer Authentication (SCA) to complete all eID transactions. A DIW app can be used by a person to: - Log into a web site. - Gain access to e.g. a secure area, hotel room, sports or entertainment venue. - Open a bank account remotely, involving Know Your Customer (KYC). QS-DIW also meets the PSD2 requirement to perform SCA on payments. When eID credentials are issued to the person by a bank, the app can also be used to:- - Make payments at a POI (e.g. browser) / POS (in a shop). - Sign a contract and/or a direct debit mandate simultaneously. - Review and approve personal and corporate payment requests. - Perform multi-user approvals on payments. Users can review summary information and optionally drill into the detail of an eID or payment order. They can approve or cancel orders and also monitor ongoing status. Status is categorised with red/amber/green colour coding. All rejects are clearly flagged, with reason information. The user SCA credentials are represented by an asymmetric (public/private) key pair, backed by X.509 (identity and attribute) certificates. The private key element resides within and never leaves the Secure Element of the smartphone. The private key is unlocked via the use of either the device’s biometric sensor and/or a PIN. The user’s biometric data also never leaves the smartphone. The SCA proof is represented by an Advanced Electronic Signature (AdES). The SCA proof is dynamically linked to the eID/payment/consent data, plus audit trail and device attestation information. The following payment formats are fully supported:- - PAIN.001 v3 - Credit Transfer - PAIN.008 v2 - Direct Debit - PAIN.002 v3 - Payment Status - ACMT.007 v1 - Account Opening - PAIN.009 v1 - E-Mandate - Berlin Group NextGenPSD2 JSON formats PSD2 = DIRECTIVE (EU) 2015/2366 on payment services in the internal market GDPR = REGULATION (EU) 2016/679 on the protection of natural persons

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