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A platform as a Merchant within the iDIN Scheme is a party platform that provides a service or software to its business customers (hereinafter sub_Merchants), in which the providing of ID services is not its core business but a limited ancillary service as part of the full range of services.
The User can deliver its iDIN data via the platform to the sub_Merchants of the platform (Merchant). These sub_Merchants will make use of the platform's iDIN service and can offer iDIN as a Product to the User.
A platform as Merchant has the advantage that all its sub_Merchants do not have to enter into a separate iDIN contract with a DISP or Acquirer, but they can enter into a single contract with the platform (Merchant) for all services offered by the platform.
Examples of platforms (not exhaustive):
below mentioned examples can be considered as a iDIN (platform) Merchant (not exhaustive):
software administration packages taking out loans / mortgages / insurances to their business customers;
payroll administration software packages;
software packages for the administration of nurseries .
NB An Acquirer or DISP must report a platform to Currence.
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and comparable industries.
These sub_Merchants must be related to the same industry, or make use of the same software package for a service, which is offered by the iDIN (platform) Merchant.
An iDIN (platform) Merchant has the advantage that all its sub_Merchants do not have to enter into a separate iDIN contract with a DISP or Acquirer, but an iDIN (platform) Merchant can enter into a single contract with its Acquirer or DISP for all services offered by theiDIN (platform) Merchant.
The sub_Merchant chooses to use the services the iDIN (platform) Merchant, which allows Users to access the online environment of sub_Merchant. The sub_The iDIN (platform) Merchant hereby determines the purposes and means for the processing of Personal Data, whereby the sub_Merchant chooses to process the personal data of their Users via the verification system of the iDIN (platform) Merchant and iDIN for verification purposes.
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The platform as an iDIN Merchant only fulfills the role of intermediary (with access to iDIN) (platform = processor);
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The environment of the sub_Merchant can be reached after iDIN verification via the iDIN (platform) Merchant.
NB An Acquirer or DISP must report an iDIN (platform) Merchant to Currence.
4.3 Earnings model
The earnings model is based on the mutual contractual relationships between the parties involved in the Scheme, see Figure 3. Acquirers and Issuers (with a Licence Agreement) and DISPs (Certificate Holder) offer the Product to the market commercially. They can charge their User or Merchant a fee for this, the interpretation of which is at the Institutions' discretion. The Institutions must draw up a mutual agreement on a Fee, if applicable. Currence charges its Licencees and Certificate Holders a fee.
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