SOFTPRO Introduction - E-Signing
Upcoming SlideShare
Loading in...5
×
 

SOFTPRO Introduction - E-Signing

on

  • 2,884 views

Introducing SOFTPRO Solutions for Electronic Signatures - for large enterprises and small offices - in many industries....

Introducing SOFTPRO Solutions for Electronic Signatures - for large enterprises and small offices - in many industries.

This presentation is ideal for all those who consider to start signing better without paper.

At SOFTPRO we take signatures seriously. Familiarize with our trustworthy E-Signing Solutions for capturing handwritten signatures to sign electronic documents and integrate these features in a seamless workflow.

SOFTPRO Solutions for E-Signing are characterized by
- outstanding performance and robustness
- clean and efficient user interfaces
- broad choice for seamless integration
- compliant to standards
- excellent Value-for-money ratio

SOFTPRO lets you rely on handwritten signatures - whether they are scanned from paper or embedded in electronic documents. The "Signature Professionals" understand both worlds. The experienced team has accompanied many enterprises in their smooth and gradual migration from paper based signing to E-Signing.

For more details visit
http://www.softpro.de/en/e-signing.aspx

Statistics

Views

Total Views
2,884
Views on SlideShare
2,083
Embed Views
801

Actions

Likes
1
Downloads
65
Comments
0

3 Embeds 801

http://www.softpro.de 614
http://reddot.sfe.de 186
https://www.softpro.de 1

Accessibility

Upload Details

Uploaded via as Microsoft PowerPoint

Usage Rights

© All Rights Reserved

Report content

Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
  • Full Name Full Name Comment goes here.
    Are you sure you want to
    Your message goes here
    Processing…
Post Comment
Edit your comment
  • The adoption of e-signatures has been blocked for a long time due to a lack of user acceptance. Especially some German approaches suffered from overengeneering and a lack in usability. There exits a lot of confusion about “signature technology”. E-signing with handwritten signatures is self-explaining.
  • SOFTPRO supports a signature capturing and display quality which caters for hybrid environments where paper is gradually phased out over a long time period. SOFTPRO puts a strong emphasis on capturing and verifying different pressure levels in its solutions. Forensic experts believe that the different pressure levels applied throughout the signing process are likely to be the most individual factor. The trustworthiness of a captured signature is enhanced if devices are used that allow the capturing of this information which SOFTPROs software is able to compare with reference signatures in a highly trustworthy manor. As a consequence SOFTPRO clearly recommends to use devices supporting that are able provide such data. SOFTPRO posses IP rights in the field of static and dynamic signature verification and is about to enlarge its IP assets in 2007. SOFTPRO started to work on its own engine based on various forms of research in the mid 90’s. The technology was developed with to provide the same quality as the static verification technology that was defined as best of breed by FSTC/BITS when testing several vendors in 2001. SOFTPRO’s aim is to establish trust in collected signature data .
  • SOFTPRO adds the trustworthiness for handwritten signatures to Adobe‘s Product Suite.
  • The trustworthiness of SOFTPRO’s solutions is backed by expertise of a lawyer for legal issues in multimedia at the high court of Duesseldorf . In other words Hoeren summary reads in simplified wording: “Electronic signatures based on SignDoc offer at least the same security as handwritten signatures on paper”. Customers across various verticals decided to use these solutions in mission critical applications such as Electronical Medical Records (health, e.g., Ingolstadt hospital) or account opening and contracting in various financial institutions world wide. It is also little known that in 2006 SOFTPRO’s solution was for instance chosen to secure the postal voting process in the UK and prevent registration fraud – as the preferred solution in direct competition to an offering based on another e-signing vendor of the UK/US.

SOFTPRO Introduction - E-Signing SOFTPRO Introduction - E-Signing Presentation Transcript

  • E-SIGNING
    Introduction
    Trustworthy E-Signing with Handwritten Signatures
    Introducing SignPad - SignWare - SignDoc
    © Ralph Maute, Product Manager E-Signing, SOFTPRO Group – ralph.maute@softpro.de
    Jörg-Matthias Lenz, Manager PR & Marketing, SOFTPRO Group – joerg.lenz@softpro.de
  • Agenda for this Presentation
    Brief Introduction
    Terminology - Handwritten & Electronic Signatures
    Trustworthy Capturing of Handwritten Signatures
    Trustworthy Verification of Handwritten Signatures
    Application Examples
  • Introducing the Signature Professionals
    Employees:
    60 (world wide)
    CEO & Founder:
    Heinz Reschke
    Investors:
    GE Capital &
    AdCapital
    Böblingen (near Stuttgart)
    SOFTPRO Group Headquarter
    * 1983
    London
    SOFTPRO UK
    * 2004
    Bear, Delaware
    SOFTPRO North America
    * 1999
    Chennai
    SOFTPRO India
    * 2011
    Singapore
    SOFTPRO Asia Pacific
    * 2000
    Customer List (Extract)
    Standard Bank
    … and may others
    Plus several customers in the non-banking verticals
    Discover Financial
    First National Bank
    HypoVereinsbank
    JPMorgan Chase
    Lloyds TSB
    Key Bank
    NCB
    OCBC
    Royal Bank
    American Express
    ABSA
    Bank of America
    Barclays
    Banco Itaù
    Berliner Sparkasse
    BNP Paribas
    Bumiputra Commerce
    Citigroup
    • www.softpro.de/en/company/customers
  • Agenda for this Presentation
    Brief Introduction
    Terminology - Handwritten & Electronic Signatures
    Trustworthy Capturing of Handwritten Signatures
    Trustworthy Verification of Handwritten Signatures
    Application Examples
  • Foreword on Legal Aspects
    Laws for electronic signatures vary around the globe. It is important to understand that laws on electronic transactions typically include laws and/or regulations on Electronic Signatures. Only in some cases there exist separate bills/acts for e-signatures.
    At the time when the first versions of these laws were created (e.g. 1997: Germany, Malaysia; 1998: Singapore) there was no such option as a “trustworthy capturing and verification of handwritten signatures – including static images and dynamic (biometric) characteristics” that allowed to create a reliable e-signature on basis of a digitized handwritten signature (“biometric signatures”).
    As a consequence laws usually primarily or reflect on “digital signatures” (e-signatures created in a public key infrastructure, PKI). However digital signatures are properly a subset of electronic signatures.
    In 1999 the European Directive about a framework for electronic signatures opened a broader technological approach to electronic signatures. Law makers are gradually reflecting “biometric signatures” now as well.
    • http://en.wikipedia.org/wiki/Electronic_signature
  • What customers say
    Steffen Knabe und Martin Grube
    SparkassenInformatik
    (*Largest financial processing centre in Europe)
    „Piloting and usage in production at the Berliner Sparkasse have shown that the handwritten electronic signature is familiar to customers as a step into the world of electronic signatures – in contradiction to the qualified electronic signatures with smart card and PIN.“**
    ** published in the specialist magazine „SparkassenZeitung“, article „Die elektronischeUnterschriftreduziert den Aufwand“
  • Inadequate “Copy & Paste”
    (Still) common practice in offices in 2011…
    Scanning a signature from paper…
    … and insert the image file into a document.
    ! This is a contradiction to the original aim of Signing: Originally, signatures on paper stand for document authenticity and integrity.
  • Agenda for this Presentation
    Brief Introduction
    Terminology - Handwritten & Electronic Signatures
    Trustworthy Capturing of Handwritten Signatures
    Trustworthy Verification of Handwritten Signatures
    Application Examples
  • Legal Framework for E-Signatures
    • Model Law on Electronic Signatures, adopted by UNCITRAL in 2001, with a technology neutral approach.
    • Directive 1999/93/EG about framework for electronic signatures
    Country Laws and Regulations on Electronic Signatures
    • „Signaturgesetz“ (SigG) and Signaturverordnung (SigV) of 2001 plus changes as 1. SignÄndG of 2005
    Laws with an impact on the usage of electronic signatures
    • Civil Code (Buergerliches Gesetzbuch, BGB): Definition about written form (esp. § 126) Civil Process Code (Zivilprozessordnung, ZPO) Quality of legal proof (e.g. § 371a / 445)
    Note: Germany has 4 types of electronic signatures,
    SignDoc products create so-called “Advanced Electronic Signatures”
    Simple
    § 2 No.1
    SigG
    Advanced
    § 2 No.2
    SigG
    Qualified
    § 2 No.3
    SigG
    Qualified &
    Accredited
    § 15 Abs.1 S. 4
    SigG
    • http://www.uncitral.org/uncitral/en/uncitral_texts/electronic_commerce/2001Model_signatures.html
  • EU: Advanced Electronic Signatures
    Article 2 Definitions
    For the purpose of this Directive:
    1. ‘electronic signature’ means data in electronic form which are attached to or logically associated with other electronic data and which serve as a method of authentication;
    2. ‘advanced electronic signature’ means an electronic signature which meets the following requirements:
    (a) it is uniquely linked to the signatory;
    (b) it is capable of identifying the signatory;
    (c) it is created using means that the signatory can maintain under his sole control; and
    (d) it is linked to the data to which it relates in such a manner that any subsequent change of the data is detectable;
    Purpose:
    Provision of
    Authenticity
    &
    Integrity
    • http://europa.eu/eur-lex/pri/en/oj/dat/2000/l_013/l_01320000119en00120020.pdf
  • UAE: Protected Electronic Signature
    Electronic Transactions and Commerce Law No.2/2002 (Extract)
    § 20 Protected Electronic Signature
    (1) A Signature shall be treated as a Protected Electronic Signature, if, through the application of a prescribed or commercially reasonable Secure Authentication Procedures agreed to by the parties, it can be verified that an Electronic Signature was, at the time it was made:
    a. unique to the person using it;
    b. capable of verifying the identity of that person;
    c. under that person's full control, whether in relation to its creation or the means of using it at the time of signing; and
    d. linked to the Electronic Communication to which it relates, in a manner which provides reliable assurance as to the integrity of the Signature, so that if the Electronic Record is changed, then the Electronic Signature shall become unprotected
    So: If you want a trustworthy signature (providing authenticity &
    Integrity) … go for SignDoc
    (2) In the absence of proof to the contrary, and notwithstanding Article 21 of this Law, reliance on a Protected Electronic Signature is presumed to be reasonable.
    published in Issue No. (277) of the Official Gazette on 16 February 2002 - http://www.tecom.ae/law/law_2.htm
  • NL: Protected Electronic Signature
    Wet electronic handtekeningen (Law of Electronic Signatures, 2003)
    eSignature: Data in electronic form which are attached to or logically associated with other electronic data and which serve as a method of authentication with regard to this data.
    Note that this also includes non-PKI solutions.
    Advanced electronic signature:
    an electronic signature which meets the following requirements:
    (a) it is uniquely linked to the signatory;
    (b) it is capable of identifying the signatory;
    (c) it is created using means that the signatory can maintain under his sole control; and
    (d) it is linked to the data to which it relates in such a manner that any subsequent change of the data is detectable;
    Again, this definition may cover non-PKI solutions.
    So: If you want a trustworthy signature (providing authenticity &
    Integrity) … go for SignDoc
    published in Preliminary Study on Mutual Recognition of eSignatures for eGovernment applications, NATIONAL PROFILE NETHERLANDS, Europan Communities, April 2007
  • ZA: Advanced Electronic Signature
    • http://www.acts.co.za/ect_act/index.htm
  • SIN: Clear Terminology
    The Electronic Transactions Act 1998 (Extract)
    There exist particular definitions for the terms "electronic signatures" & "digital signatures“:
    "digital signature" means an electronic signature consisting of a transformation of an electronic record using an asymmetric
    cryptosystem and a hash function such that a person having the initial untransformed electronic record and the signer's public key can
    accurately determine -
    1. whether the transformation was created using the private key that corresponds to the signer's public key; and
    2. whether the initial electronic record has been altered since the transformation was made;
    "electronic signature" means any letters, characters, numbers or other symbols in digital form attached to or logically associated with an electronic record, and executed or adopted with the intention of authenticating or approving the electronic record;
    "signed" or "signature" and its grammatical variations includes any symbol executed or adopted, or any methodology or procedure employed or adopted, by a person with the intention of authenticating a record, including electronic or digital methods;
    • http://www.ida.gov.sg/Policies%20and%20Regulation/20060508170238.aspx
    • and in particular http://www.ida.gov.sg/Policies%20and%20Regulation/20060425153817.aspx
  • SIN: Secure Electronic Signatures
    The Electronic Transactions Act 1998 (Extract)
    17. Secure electronic signature*
    If, through the application of a prescribed security procedure or a commercially reasonable security procedure agreed to by the parties
    involved, it can be verified that an electronic signature was, at the time it was made -
    1. unique to the person using it;
    2. capable of identifying such person;
    3. created in a manner or using a means under the sole control of the person using it; and
    4. linked to the electronic record to which it relates in a manner such that if the record was changed the electronic signature would be invalidated, such signature shall be treated as a secure electronic signature.
    * pretty close to the definition that reflects the European idea of an advanced electronic signature.
  • Indonesia : Secure Electronic Signatures
    Law No 11 of 2008 regarding Information and Electronic Transactions (Undang-undang Informasi dan Transaksi Elektronik / UU ITE – also called “ETI law”)
    Electronic information/documents are see as legal and valid evidence provided that
    (i) it is generated from an Electronic System which fulfills requirements such as it can protect the availability, completeness, authenticity, secrecy, and accessibility of the electronic information and it has a sustainable mechanism to ensure the relevance, clarity, and accountability of the procedures or guidelines and
    (ii) it does not apply for certain documents required by law to be in hard copy form (e.g. notarial deeds, letter of court summons, bond certificates, and others)
    Electronic signatures if:
    (i) there is a way to identify the signatory;
    (ii) there is a way to show that the signatory has approved the related electronic information; and
    (iii) there is a system to identify any changes to the electronic signature after the electronic signature has been applied.
    Pretty close to the definition that reflects the European idea of an “advanced electronic signature”.
    • http://www.uuite.com/uu-ite.html
  • AUS: Legal Framework for e-Signing
    • Australian Acts and Regulations on Electronic Signatures
    • Australia's online policy supports a technology neutral approach for electronic signatures that does not prefer one form of electronic signature technology over any other and that treats electronic transactions in the same way as paper-based transactions.
    • Legislation has been developed based on the recommendations of the Electronic Commerce Expert Group.
    • The Electronic Transactions Act 1999 received Royal Assent on 10 December 1999 and commenced on 15 March 2000.
    • The Electronic Transactions Regulations 2000, which specifies laws to which the Act does not apply, commenced on 1 July 2001.
    • The states and territories have also enacted Electronic Transactions Acts.
    • http://www.comlaw.gov.au/ComLaw/Legislation/ActCompilation1.nsf/0/B8CB6D7B8784717ACA2572BB001794DA?OpenDocument
    • http://www.comlaw.gov.au/ComLaw/Legislation/LegislativeInstrumentCompilation1.nsf/0/3CDBA59D1D3369C4CA25704C00068D14?OpenDocument
  • AUS: Market to asses appropriate signature
    • The Electronic Transactions Act 1999 (Extract)
    10 Signature
    Requirement for signature
    (1) If, under a law of the Commonwealth, the signature of a person is required, that requirement is taken to have been met in relation to an electronic communication if:
    (a) in all cases—a method is used to identify the person and to indicate the person’s approval of the information communicated; and
    (b) in all cases—having regard to all the relevant circumstances at the time the method was used, the method was as reliable as was appropriate for the purposes for which the information was communicated; …
    So: If you want a trustworthy signature (providing authenticity &
    Integrity) … go for SignDoc
    The Act does not endorse a particular electronic signature technology... It is more appropriate for the market to assess appropriate signature products for their particular purposes rather than have legislation specify acceptable technologies.
    (quoted from Section 8 of the FAQs about the on the webpage of the Law Branch of the Attorney-General's Department of Australia)
    • http://www.ag.gov.au/www/agd/agd.nsf/Page/e-commerce_Frequentlyaskedquestions
  • US: ESIGN Act Compliance may not be enough
    The Electronic Signatures in Global and National Commerce Act
    US federal law to facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the validity and legal effect of contracts entered into electronically.
    ESIGN Act Sec 106 definitions [11]
    (5) ELECTRONIC SIGNATURE- The term `electronic signature' means an electronic sound, symbol, or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to sign the record.
    However… What about their trustworthiness, their quality of proof?
    The FDA has a better definition …
    • http://www.fca.gov/Download/Public%20Law%20106-229%20E-Sign.pdf ESIGN, Pub.L. 106-229, 14 Stat. 464, enacted 2000-06-30, 15 U.S.C. ch.96
  • US: FDA e-Signing requirements
    FDA E-RECORD Regulation Framework for Electronic Signatures. (21, CFR Part11)
    Pragmatic definition of requirements with high acceptance in industry and administration: Requirements for electronic documents should not be superior to those on paper based documents.
    Records must clearly indicate:
    • printed name of the signer
    • The date and time of signature execution
    • The intended meaning (review, approval, etc.) associated with the signature
    The US Food & Drug Association (FDA) dominates world wide as authority, issuing approvals and surveying quality assurance processes.
    • http://www.fda.gov/ora/compliance_ref/Part11/FRs/background/pt11finr.pdf
  • Agenda for this Presentation
    Brief Introduction
    Terminology - Handwritten & Electronic Signatures
    Trustworthy Capturing of Handwritten Signatures
    Trustworthy Verification of Handwritten Signatures
    Application Examples
  • Achieving Trustworthy e-Signing
    SOFTPRO’s SignDoc takes care of the authenticity – based on handwritten signatures and the integrity of the document.
    In most cases e-signed documents will be “just archived”, however if you want to rely on them a process for verification must be pre-defined and some sample verification must be executed in order to proof the reliability of the whole process.
    Handwritten Signatures must be verifiable – by software based automatic verification and/or analyzed of forensic experts. Thus is it is important to define and check
    • The capturing quality
    • The verification process itself
    * Engine(s) used for signature verification must achieve an acceptable Equal Error Rate (EER).
  • Signatures and other Biometrics
    physiological
    based on behavior
    • Trained movement processes based on kinetics and motor activity
    Example:
    Signature
     Voice
     Lip Movement
    Type Rhythm
    • Unique
    • Invariable
    • Non transferable
    Example:
    Fingerprint
    Hand: Geometry, Veins
    Face
    Eye (Iris or Retina)
  • Benefits of Using Signatures
    
    
    Biometrics
    based on behavior
    Physiological
    Biometrics
    +Reference can be deleted when misused
    (e.g. alter signature)
    +Identification only active, declaring an intent
    +Silent alarm possible
    (code words o. special signature)
    +Technical forgery more difficult, as verification data has to vary naturally
    - characteristics limited
    - when spied out, no
    alteration
    - often problems with input
    devices (sensors)
    - „live check“ important
    to avoid use of copies
    - anonymous action impossible
    (does not comply with data protection and witness protection)
    Plus:
    High user acceptance for this unambiguous
    form of authentication
  • Quality Criteria for Signature Capturing
    Note: Devices that courier services are using capture a rather pixilated image that is usually not applicable for later verification.
    Signatures taken on these devices can be repudiated as they easily may be claimed to be a forgery.
    SOFTPRO works in standardization committees like DIN that contribute to ISO/IEC. The ISO/IEC-standard for interchanging signature data reflects SOFTPRO’s expertise in so called on-line signature processing. Some key aspects:
    Forensic experts believe that the different pressure levels applied throughout the signing process are likely to be the most individual factor. A reliable capturing device has to record the same pressure levels in all segments of the capturing area with the same precision when the same force is being applied.
    The shape of a digitized signature should resemble the signature on paper – especially curves and loops (no interpolation) This requires a sufficient amount of captured time signals throughout the writing process.
    The standard ISO/IEC 19794-7: Biometric data interchange formats - Part 7: Signature / Sign Data was defined by ISO/IEC JTC 1/SC 37/SG and national standardization committees like DIN NI 37
  • SOFTPRO Brands
    umbrella trademark
    Securing Payment Processes
    Combat Cheque Fraud
    Visual Signature Verification with Digitized Signature Cards
    Convenient Administration of Signatures and Signing Rules
    Automatic Verification of Signatures and Signing Rules
    Securing Electronic Processes
    Trustworthy e-Sign Workflow
    First Choice for Trustworthy Digitizing of Handwritten Signatures
    Capture and Verify Handwritten Signatures in Your Applications
    Signing contracts legally binding - without using any paper
  • LCD Tablets: SignPad or Pen Display
    2 Choices
    Integration into existing environment with desktop & monitor: SignPad
    Combined monitor & capturing device: Interactive Pen Display
    Display of parts of a document (contract) – in particular throughout the signing process (e.g. terms and conditions)
    Display and fill in full size documents in full color
    • Overview about supported capturing devices @ www.softpro.de/tablets
  • Signature Capturing Tablets
    Tablets with LC display - such as the SignPad eSignio - are the usual standard choice allowing a truly paperless signing process.
    Signing on a display should simulate the signing experience on paper: The optical feedback throughout the writing process needs to be immediate, precise and accurate: The SignPad eSignio comes with real-time visualization of the signature on the a very sharp 5” LC display and signature rendering in the tablet.
    Active area
    in mm
    Width x Height
    Size total
    in mm
    Width x Height x Depth
    Reports
    in pps
    Pressure
    Levels
    Resolution
    in lpi
    5”
    102 x 76
    160 x 182,5 x 24,6
    200
    512
    2540
    SignPad eSignio*
    Sample Use Scenarios
    At cash terminal
    in retail shops
    Bullt-in at counter
    in retail shops
    Tabletop
    At banks’ teller
    *Joint development of WACOM & SOFTPRO, introduced in December 2007
  • SignPad – One of the hardware options
    SignPad eSignio
    NextGen Signature Tablet, introduced in Dec 07
    Display: 10.2 cm × 7.6cm (Diagonal 5”)
    Resolution: VGA - 640(W)×480(H) pixels
    Real-time visualization of the signature on screen / rendering in the tablet
    No background lighting necessary
    Attractive design
    Joint development of WACOM & SOFTPRO
    • Highly convincing signature capturing quality
    • Instantly became the preferred choice of German Savings Banks that put a focus on security and usability, set to replace other input devices which were not really satisfying the customers
    • Winner of the innovation award of the leading European trade show for electronic document management DMS in 2007
    • Already thousands of units sold
    • www.softpro.de/en/products/signpad - Download of Technical Spec Sheet @ www.softpro.de/doc >> file No. “A21”
  • SignWare - Software Development Kit
    Architecture Levels
    API
    WebServices
    C/C++
    ActiveX
    Java/Servlet
    Enrollment,
    Verification
    Capture Device
    Smart Card
      
    SIVAL
      
    ADSV
      
    Windows
    Linux
    The detailed manual for the Software Development Kit describes functionalities of the ThinClient, for programming languages C and Java, for network access / web services and as ActiveX objects
    • www.softpro.de/signpad
  • SignDoc – Architecture
  • x
    x
    x
    x
    x
    x
    x
    x
    SignDoc – with special combo verification
    Unique combo-verification for signatures which compares both the static image characteristics and dynamic signals to a known reference signature.
    Verification automatically takes into account the natural variations in the signer's signature characteristics
    Image Characteristics
    Dynamic Signals
    Upstrokes
    Crossings
    Strokes - Start and end
    Curves and loops
    Enclosed areas
    p
    Signals of time (including acceleration & speed) and different pressure levels
    t
    Smooth transition from paper to the e-documents
    SignDoc supports hybrid environments where paper documents and e-docs still co-exist – e.g. for check or giro verification: In the absence of dynamic signature parameters, static features may be used for comparison. Static technology has been successfully used since 1994 in financial institutions worldwide.
  • Adding Value to e-Forms
    Sign and seal PDF documents with the electronic handwritten signature – leveraging Adobe LiveCycle Designer or Adobe Acrobat Professional.
    Result: “Advanced Electronic Signature”
    • High level of proof and thus ensuring trustworthiness
    • Non-repudiation
    • Of course: Legally binding
    There‘s more in this signature than meets the eye in the first stage: Trustworthy capturing of static and dynamic characteristics, in a quality that allows verification and forensic analysis of the signature and encryption.
    Document Integrity, optionally chip card based digital certificate
    Document versioning
    Document Authenticity with Biometric Signature Data
    0110001101010011000110111010111010110
    &
    Günther Hierth
    0110001101010011000110111010111010110
  • What legal experts say
    Professor Dr. Thomas Hoeren
    Head of Civil Law Department, Judge for Multimedia Law at the High Court of Duesseldorf and Head of Institute for Information-, Telecommunication- and Media Law (ITM) at the Wilhelms-University of Muenster
    "Signing with SignDoc offers a legal surrogate equivalent to the conventional method of signing with ink on paper and thus similarly fulfills the same formal intention to sign of the written paper form."
    … about the legal aspects when using SignDoc in legally binding contract processes…
    When assessing the legal quality of e-Workflows all aspects of signature processing need to be considered such as of capturing, storing and verifying.
  • Agenda for this Presentation
    Brief Introduction
    Terminology - Handwritten & Electronic Signatures
    Trustworthy Capturing of Handwritten Signatures
    Trustworthy Verification of Handwritten Signatures
    Application Examples
  • Evolution of Signature Verification
    EFFICIENCY
    SOFTPRO’s unique Combo Verification
    automatic
    static & dynamic
    maximum
    automatic
    static
    high
    visual
    with PC
    medium
    manual
    on paper
    low
    none
    minimum
    maximum
    high
    medium
    low
    minimal
    SECURITY
  • Analyzing Tool for Signature Experts
    Expert tool for Signature Investigation and Fraud Detection – e.g. in use at expert workstations of German Savings Banks
    Reference Data Set
    Signature to Verify
    Verification
    Result
    Visualized
    Signature Characteristics
    Display of time & pressure signals
    Red/green display of writing speed
    Rotating 3D Display of pressure levels
    • Watch the education video about SignAlyze @ You Tube - http://www.youtube.com/watch?v=gqXLBnLwMJw
  • Dynamic Signature Verification
    • Analyses main signature characteristics (pressure levels, pressure over time, speed, acceleration, pen trajectory)
    • Dynamic time warping and wavelet-transforms used for analysis of spatial and spectral similarities
    • Use of pressure as a key analytic characteristics
    • Utilizes separate static and dynamic engines along with “voting” process to improve accuracy
    Dynamic Signature Verification can be integrated/combined with other biometric technologies.
  • Agenda for this Presentation
    Brief Introduction
    Terminology - Handwritten & Electronic Signatures
    Trustworthy Capturing of Handwritten Signatures
    Trustworthy Verification of Handwritten Signatures
    Application Examples
  • Applications
    Overview on existing and upcoming applications in case study snap shots as well as case scenario outlines
    Common triggers for e-Signing with handwritten signatures:
    • Create a straight-through workflow process
    • Avoid mistakes caused by data transfer from paper to digital data
    • Save on forms management (shipping and updating)
    • Save on paper shipment, archiving and copies
    • Stick to a familiar signing ceremony
  • Business Value
    Straight—Through-Account Opening
    Selection of PDF form


    Potential for Cost Savings and Enhancement of Process Speed –
    Shipment of forms to dealer
    Document creation on screen


    Filling the form and copy it

    Paper document is sent to the customer
    Document is displayed on screen for verification by customer

    • Customer signs on capturing deviceSignature data instantly bound encrypted to the electronic document
    • Customer signs document on paper
     Customer sends contract back
     Scan of the document (OCR/ICR)
    • Contract verification & OK
    • Contract verification & OK
     Digital Archiving
    • Indexing & Digital Archiving
    No Paper- no shredder
    • Destroying paper
  • Verticals & Applications (Examples)
    account opening, standing orders, exemption orders for capital gains, loans, …
    contracts for mobile phone, digital subscriber line, cable-TV, …
    audit trails, production process and servicing journals, test reports, receipts …
    payment processes, receipts at the point of sale, or point of delivery
    contracts, audit trails, journals …
    Electronic Medical Record (EMR), patient consent forms, lab reports, discharge letters, prescriptions …
    various forms of documentation, papers exchanged in a correspondence course, orders …
    check in / check out procedures, car and sport equipment rental forms
    inspection reports
    Finance
    Telecommunication
    Industry
    Retail
    Real Estate
    Health Sector
    Education
    Tourism
    Customs
  • E-Signing @ Berliner Sparkasse
    account opening
    • Reference Report on SOFTPRO website
  • Case Study – Banking
    Paperless Banking
    SignPad & SignDoc for Adobe Reader
    “Best Practice Bank” – manages also all paper-based signatures using SOFTPRO technology: 200,000 giros/day verified automatically with SignCheck, has 3500 clients for visual signature verification
    for signing for account openings, standing orders, exemption orders for capital gains, loans, …
    Günther Hierth
    Major benefits:
    • Signatures on account opening forms are automatically extracted and stored in SignBase, for usage in front and back office processes
    • No paper handling anymore at the teller or at customer service desk and costs reduced of up to 80% per document
    300+ form templates are now ready for e-signing with SignDoc
  • E-Signing @ IKEA
    merchant receipt
    • Reference Report on SOFTPRO Website
  • Case Study - Retail
    Electronic Receipt Management
    SignPad & SignWare SDK
    The German payment network provider TeleCash offers his merchants the following solution: The merchant receipt of electronic payment transactions is generated electronically. In case of signature-based transaction receipt is displayed and signed on SignPad. Receipts are archived at TeleCash. Access to receipts for merchants via Internet.
    First customer in
    Germany: IKEA
    Roll out started
    July 2008
    Major benefits:
    • Speed up of cash procedure
    • Drastic reduction in handling efforts throughout the complete process
    • Easy and fast retrieval from archive in case of investigations
    • Reduction of paper costs
    • Reference Report on SOFTPRO website
  • E-Signing at Sunrise
    Telco contracts
    • Reference Report on SOFTPRO Website
  • Case Study - Telecommunication
    Contracting for landline, mobile, digital subscriber line and web access and related applications (such as phone number transfer from old provider to new provider) as well handling customer service documents.
    eSignature(Server) as part of the Partnerweb
    SignPad & SignDoc Web
    Roll out in own shops and at sales point of distribution partners started
    Sep 2008
    Major benefits:
    • Enhanced customer service experience
    • Contracts “finalized” at the POS – online or offline
    • Costs reduced
    • “Greener signing” thanks to less paper consumption
    • Minimized effort of work in the back-office
    • Workflow accelerated
    10.000+ contracts/day are expected to be signed with SignDoc
  • E-Signing @ VPV
    Insurance contracts
    • Reference Report on SOFTPRO website
  • Case Study - Insurance
    Paperless Contracting
    SignDoc Desktop
    (integration in both online and offline)
    Signatures are important to proof…
    • authorized answers on health questions (for life, health and accident insurance)
    • approval of consultancy process (according to EU regulation)
    Major benefits:
    • contracts “finalized” at the POS
    • costs reduced
    • workflow accelerated
    • Reference Report on SOFTPRO website
  • Case Study – Banking
    Paperless Banking
    SignDoc for Adobe Reader
    in production
    since 2007
    Recommend application by German savings banks’ processing center “Finanz Informatik”* for signing for account openings, standing orders, exemption orders for capital gains, loans, …
    Major benefits:
    • No paper handling anymore at the teller or at customer service desk
    • Costs reduced of up to 80% per document
    • Workflow accelerated
    • Reference Report on SOFTPRO website
  • Case Study - Health
    Electronic Medical Records (EMR)
    SignDoc
    Doctors’ signatures confirm the information captured in electronic patient records (e g in the emergency ward at admission) on Tablet PCs and signature tablets
    Major benefits:
    • Doctor’s can stick to their preferred method of authentication – smooth transition from paper process to electronic process
    • Signatures on EMR’s signed and verified
    • More time for patient care - reduced time for back-office administration and increased productivity
    • Reference Report on SOFTPRO website
  • Your contacts @ SOFTPRO
    EMEA
    SOFTPRO GmbH
    Wilhelmstrasse 34
    71034 Boeblingen
    Germany
    Tel: +49 7031 6606 0
    sales@softpro.de
    UK & Ireland
    SOFTPRO (UK) Ltd.
    1, Kingswood Close
    Whetstone, London N20 9PX
    United Kingdom
    Tel: +44 750 680 9011
    softpro-uk@softpro.de
    The Americas
    SOFTPRO NORTH AMERICA, Inc.
    2520 Wrangle Hill Road, Suite 210
    Bear, DE 19701
    United States of America
    Tel: +1 302-397-4869info@softpro-na.com
    Asia Pacific
    SOFTPRO Software Professional Asia Pacific Pte Ltd
    25 Int. Business Park #02-12A
    Singapore 609916
    Singapore
    Tel: +65 6 562 9054
    softpro-ap@softpro.de