The method of signing Bank Credit Note (CCBs) is essential to ensure the legal validity and security of credit transactions. The way a CCB is signed directly impacts its authenticity and protection against fraud. Choosing the appropriate method guarantees the validity of the CCB, protects the parties involved, and provides greater agility in possible legal collections. Therefore, adopting secure signing practices is essential for the credibility and efficiency of the credit granting process. This guide was prepared to offer a complete and practical overview of the different CCB signing methods. We will present the types of signatures accepted in the market, the advantages of each method, and guidelines to ensure legal compliance and the security of transactions.

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1. Electronic (BMP Digital)

Electronic Signature is a method that uses tokens sent via SMS or WhatsApp, providing an innovative approach to electronic authentication. This method uses a unique security code sent directly to the user’s mobile device, ensuring accurate identity validation and fraud protection. With direct integration into common mobile devices, signing documents becomes a simple and straightforward process. The fast and reliable delivery of tokens via SMS or WhatsApp contributes to a streamlined signing process, making it easier to complete important transactions easily and securely.

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How to use

  1. First, use the API to inform the person responsible for signing the proposal, along with the client’s contact information (cell phone number and email) to receive the signature link.
  2. After opening the link, it is necessary to create an access password.
  3. Next, the subscriber must request the signature token to be sent.
  4. The signature is generated by filling in the token.
The proposal status change from “approved” to “completed” is effective after all subscribers have executed the signature process, automatically via the system, and after that we will make the request for release of payment for the proposal available. Below is a detailed step-by-step guide on how to proceed to perform the electronic signature:
You can set a deadline for signing
When everyone involved has finished signing, the process will be completed automatically.

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Onde utilizar?

In the Assisted Contracting Process, an intermediary (such as a salesperson or operator) assists in the process, requesting the signature of the issuer of the transaction. This method is frequently used in credit modalities such as CDC (Direct Credit to the Consumer), payroll loans, personal loans, among others.

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What are the advantages of the BMP Digital Electronic Signature:

  • Security: Reduces the risk of fraud and forgery by using encryption and an advanced authentication system.
  • Efficiency: Allows for transactions to be carried out quickly without the need for paper documents.
  • Accessibility: Simplifies the management of banking transactions and documents, via mobile devices or computers.

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2. Relogon Signature

The Relogon Signature is an authentication and electronic signature method, designed especially for self-contracting flows or end-to-end contracts directly on the platform, providing an integrated and continuous experience for the customer. With this method, the user can complete the entire credit journey without having to leave the platform, maintaining a fluid and efficient experience. Security is reinforced through double authentication before finalizing the signature, ensuring an extra layer of protection and trust in the process.

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How to Use

For the signature to be validated, the following requirements must be met within its application:
  1. Login and validation: The partner must be logged in and validated in a secure environment.
  2. Mandatory checkbox: The partner must check the box with the following statement:
  • This instrument is generated and signed electronically, and its authenticity, integrity and validity are guaranteed in accordance with the Law. The signatory hereby ratifies that he/she accepts as valid, for the purposes of proving authorship and integrity, the signature and information contained in this document, which were captured electronically, constituting an extrajudicial executive title under the terms of the law and for all legal purposes, within the ICP BRASIL standards in order to “trace the digital audit trail” (chain of custody) of the document, in order to verify its integrity and authenticity, as provided for in art. 10 of Provisional Measure No. 2 200/2001.
  1. Viewing and providing the CCB: The client must access and review the CCB template before proceeding with the signature. Before signing, we will provide a link so that the client can view the version of the CCB with a watermark. After signing, this same link will provide the final version, containing all the signatures of the responsible parties.
  2. Collecting the signature: At the time of signing, the partner must capture the IP and date/time data of the subscribers
  3. Sending data via API: After completing the process, the partner must send the data obtained via API to demonstrate that the signature was successfully completed.
  4. Call to finalize the process: After sending all the signatures, it will be necessary to make a call via API to finalize the proposal. Indicating that the proposal was signed by the parties. To do this, use this endpoint.

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What are the Special Features?

The features of the Relogon Signature require the integration partner to authenticate the end customer within their own process flow. In addition, the partner must validate, through this method, the exact moment in which the signature was captured on their platform. With this, BMP can generate an electronic HASH linked to the signature, which will then be attached to the Bank Credit Note (CCB), ensuring the integrity and authenticity of the document.

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When to use it?

The Relogon Signature is recommended for situations in which the customer is already authenticated on a portal, contracting kiosks, or any other end-to-end journey within an application, where the partner already uses an end customer authentication method. This method is especially advantageous when the partner only wants to confirm the signature with BMP to generate the electronic HASH, ensuring a continuous and secure user experience, without redirections or interruptions in the journey.

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What are the advantages of the Relogon Signature:

  • Integrated Experience: Allows the customer to complete the signature process within the partner’s own environment, without having to leave the platform or be redirected.
  • Efficiency: Signature capture and confirmation occur quickly and efficiently, optimizing the partner’s workflow and ensuring a fluid experience for the customer.
  • Flexibility: It can be used in various applications and environments, such as web portals, contracting kiosks, or any system that the partner uses to interact with the end customer.

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3. Digital (Signature House)

The signature method via certification houses is a modern and secure way to digitally authenticate documents. These platforms offer electronic signature solutions that allow users to sign documents remotely, with legal validity and regulatory compliance. The digital signature uses encryption to authenticate the signer’s identity and ensure the integrity of the document and is linked to a digital certificate issued by a Certification Authority (CA). The digitally signed document can be stored and shared electronically. In digital signature, the proposal is signed using services such as Docusign, QCertifica, Clicksign, Finanblue, among others (at the partner’s choice). The available signature methods are chosen by the integration partner, and all responsibility for security, guarantee and compliance falls on the selected external signature house. This entity does not have any systemic link or direct integration with BMP. In this process, BMP only provides the bank credit note (CCB) and the endpoints for sending the signed document.

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How does it work?

  1. First, the partner downloads the model CCB (without the watermark), located via a print URL.
  2. Once the model CCB is in hand, the partner carries out the signature process through the chosen certification body.
  3. To complete the procedure, once the CCB has been signed, it must be attached to the proposal via API again, sending the document in Base64.

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When to use it?

This method is generally used when the integration partner already has a contract with a digital signature company and needs to use this solution to sign all their contracts digitally.

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Advantages of Digital Signature for CCBs:

  • Security: Ensures the authenticity and integrity of the document, preventing fraud.
  • Legal Validity: Has the same legal validity as physical signatures, as long as they meet the established legal requirements.
  • Traceability: Allows for a record of who signed and when it occurred, helping to maintain a history of the processes performed.

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4. Cartograph

The “cartograph signature” of a CCB involves the use of a certifier to validate a physical document related to a Bank Credit Note (CCB). This is the signing of a paper document, i.e. the proposal. “Cartograph” means that the document is in physical format, as opposed to electronic documents. A certifier is involved to validate the signatures on a physical CCB document. This may include verifying the identity of the people who signed the document and ensuring that the signature is reliable. The certifier will provide a statement confirming that the CCB document was signed in accordance with the legal requirements.

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How does it work?

  1. The Partner must download the CCB model version (without the watermark) through the print URL.
  2. Once in possession of the CCB model version, it must be signed by the certifier of the Partner’s choice.
  3. To complete the procedure, when the CCB is signed, it must be attached to the proposal via API again, sending the document in Base64

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When to use it?

The signature card is generally applied in cases with a smaller volume of proposals or in situations that require authentication at a notary’s office, in addition to other more specific scenarios.