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@ Miro: Der "dubiose Dienstleister" ist häufig ebenfalls die Deutsche Post AG (https://www.deutschepost.de/de/p/postident.html bzw. https://www.deutschepost.de/de/p/postident/geschaeftskunden/referenzen.html).
Was den Datenschutz angeht, ist das Postident-Verfahren in einer Filiale der Deutschen Post unschlagbar!
Wenn man sich per Video identifizieren will, wird dieses von irgendeinem dubiosen Dienstleister aufgezeichnet, der auch noch Fotos von einem macht. Absolut nicht zu empfehlen!
»Meines Wissens wird dabei auch der komplette Personalausweis kopiert. - Da weiß ich auch nicht, wo und wie die Daten verarbeitet / gespeichert werden.«
Da hast Du recht, beim Postident-Verfahren wird Dein Personalausweis Vorder- und Rückseite gescannt, dieser Scan ist mit dem Code auf dem Formular für das Postident-Verfahren verknüpft. Die Daten gehen direkt an die Bank, damit ist der Vorgang abgeschlossen.
Einen Teil der Daten kann der Postmitarbeiter separat nicht für seinen eigenen Nutzen benutzen, weil es ein geschlossener Kreislauf ist. Mit dem Absenden der Unterlagen ist kein weiterer Zugriff mehr möglich.
Deshalb finde ich das Postident-Verfahren als das sicherste.
Wo und wie Daten verarbeitet und gespeichert werden, steht in den Datschutzrichtlinien des/der entsprechenden Unternehmen/s, im Fall von PostIdent eben die Deutsche Post. Außerdem ist es gesetzlich geregelt was erlaubt ist und was nicht.
Selbst wenn du ein Tagesgeldkonto in der Filiale einer Bank eröffnest, kann ein Mitarbeiter am Schalter, der den Kontoeröffnungsantrag mit dir erstellt, im Prinzip deine Daten missbrauchen. Das wäre aber illegal. Bei PostIdent übernimmt die Deutsche Post die Rolle des Bankmitarbeiters und ist genauso an Gesetze gebunden.
Bei anderen Formen der Identfikation wie z.B. über Online-Video sind andere bzw. mehr Anbieter beteiligt, die deine Daten verarbeiten. Auch die sind verpflichtet sich an geltendes Recht zu halten. Manche trauen der Deutschen Post das eher zu als anderen Anbietern. Oder sie bevorzugen den Weg über eine Postfiliale gegenüber einer Identifizierung über Video aus anderen Gründen (für PostIdent braucht es z.B. nicht zwangsweise ein Smartphone, und online hat auch meist der Betriebssystemanbieter deines Computers und/oder Handys grundsätzlich Zugriff auf die Daten).
Letztlich vertraust du auch dein Geld einer Bank an unter der Annahme, dass sie sich redlich und gesetzeskonform verhält und weder Geld veruntreut noch Daten missbraucht.
Datenschutz beim Post-ID-Verfahren
In vielen Posts wird die Identifikation bei der Post als "Goldstandard" gesehen.
Meines Wissens wird dabei auch der komplette Personalausweis kopiert. - Da weiß ich auch nicht, wo und wie die Daten verarbeitet / gespeichert werden.
Oder habe ich einen Gedankenfehler?