This document summarizes an e-signature solution that allows for signing documents digitally. It provides benefits like reducing fraud, seamless integration into existing workflows, and flexibility to use different signature capture devices. The solution supports in-shop, mobile, and web-based signing scenarios. It allows defining signing processes, adding annotations, filling forms, and works offline on mobile. Signature security features include biometric encryption, document binding, and integrity protection. The solution complies with PDF standards and supports major signature capture hardware.

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Customer Benefits Product Highlights
 As simple as signing on paper
 Transforms the way you work with your
customers
 Documents cannot get lost during delivery
 Signatures or attachments cannot be forgotten
 Reduced fraud through bullet-proof security
and authentication―even in real-time
 Seamless and fast integration in existing
application and document flows
 Support for multiple lines of business and
channels
 Accelerates POS processes, freeing up time for
up-selling & cross-selling activities
 Flexibility to use signature capturing devices
and digital pens from the manufacturer(s) of
your choice
 Total and integrated solution for signature
pads, mobile devices, and Web-based signing,
all from a single source; deployed on-premises
or in the cloud
 Control and govern all steps in the completion
and signing process of contracts
 Based on open PDF standards, with no
proprietary e-signature technology
 Leading biometrical signature verification in
real-time, with self-learning reference profiles
 Highly scalable, robust server platform with
straightforward server-side integration
 Supports pressure sensitive pens for Android
and iPad for the most natural signing
experience, palm protection and high-quality
signature recording
 Offline signing with iOS, Android and WIN app
Go Paperless with our E-Signature Solutions. SIGNificantly efficient!
The SIGNificant platform provides you with the user interface and tools needed to define an
optimal e-signature process and user experience. Whether for signature pads, interactive pen
displays, mobile devices or Web-based signing, the platform’s building blocks make it easy to
pick and choose the best combination of e-sign solutions and signature capturing devices for
each use case.
www.xyzmo.com
E-Signing in
Shops & Offices
Mobile Signing
Real-Time
Signature Verification
Web-Self-Service

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Deployment and Integration Options
Our framework allows businesses to choose the ideal e-signature solution for any type of process or channel.
Some smaller businesses might consider our purely desktop-based approach, but for most use cases the
server-based approach is preferred as it provides the following advantages:
 The integration to existing systems is purely server-side, which is the natural choice for a server-based
back-end architecture
 The PDF document is only stored in the data-center and not automatically copied and distributed to
the clients
 Only one back-end integration for different deployment options:
o E-Signing via Web Browser: Internet or intranet access is all that is needed for Web-based
signing. No installation or download is required. Signature capturing devices are automatically
detected
o E-Signing on a Mobile Device: Combination of a central integration point with full support for
filling and signing documents and forms offline in an iOS and Android app
o E-Signing using your existing Apps: Client-side SDKs (Desktop, iOS, Android) enable a
seamless integration of existing applications with the server platform, providing full control
over the user experience.
Use Cases
Signing a document with your handwritten signature is socially well accepted around the world. Bringing it into
the digital world has the big advantage of avoiding costly media breaches while conforming to already well-
established user habits and business processes. This is why capturing a handwritten signature is still the best
choice for getting documents signed in person, in real time, by presenting a document to a client. For Web-self-
service and other scenarios where capturing a signature is not a preferred option we alternatively support
signing with a token, digital certificate, one-time password and similar methods.
E-Signing In-
Shop / -Branch
Mobile Signing
in the Field
Web-Self-
Service
 Flexibility to use signature
capturing devices from the
manufacturer(s) of your
choice
 Support for large pen-enabled
signature pads & screens to
view the whole document
 Support for iPad and Android
tablets
 Support for Citrix and WTS
 Option to verify a signature in
real time
 Supports signing on iPad
and Android
 Supports pen-enabled
Tablet-PC
 Supports laptops with
small & light signature
pads
 Support for offline signing
in all scenarios
 Sign using Click-2-Sign,
mouse or stylus
 Sign using any device
with any web browser
 Distributing the URL to
the signers is all it takes
 No need to download or
install anything

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Signature Authentication
More than just the image – 5D biometrical
parameters
A signature captured with SIGNificant is much
more than just an
electronic image of
a digitized
signature. We
record―forensically
identifiably―the
handwritten signature of a person using all
available parameters, such as acceleration, speed,
and rhythm. These parameters are unique to every
individual and cannot be reproduced by a forger.
Real-time signature verification for highest
process security
In addition to a deep manual signature verification
that a forensic expert can do
anytime afterwards using the
SIGNificant PenAnalyst
software, xyzmo also provides
a signature verification that
authenticates a signature
against a pre-enrolled signature profile database in
real-time. As the system can use all recorded
biometric data for its signature verification, the
false acceptance/rejection rates it achieves are in
the low one-digit percentage range. Its self-
learning algorithm enables the system to stay up to
date with changing signing habits over time. In
addition, it has the advantage of lacking the
invasive nature of other biometrical authentication
methods such as fingerprint, face, or retina scan,
all of which do not allow the simple switch to a
different biometric signature in case the data is
stolen.
Much More Than Capturing a
Signature
Govern all activities
Define all steps in the
signing process, including
the ability to position
signature fields, and
define the necessary
attachments and group
form fields into areas,
which makes it easier to guide the signer through
the document in the right order. Specify
compulsory or optional tasks, and define policies to
enable or forbid certain actions on or with the
document, such as making annotations or saving,
e-mailing, and printing documents.
Add annotations and attachments
Enter text or add attachments such as photos from
the built-in camera of your device to the
document.
Fill out and sign PDF forms
Fill in your form fields directly from within the
SIGNificant application and allow automated form
data extraction of signed documents. Form data to
be edited can also be prefilled from external
applications.
Offline processing for mobile use cases
Mobile use cases often involve situations where
online connectivity simply is not possible. This is
why SIGNificant allows you to work with your
documents and form templates fully offline,
enabling you to complete the data capture and
signing process with customers without any server
connectivity. You can even manage multiple
documents and form templates offline. Necessary
server synchronization automatically occurs in the
background when internet connectivity is available,
without a user interaction needed.

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About xyzmo
xyzmo is a private company based in Ansfelden, Austria with international offices in the
United States and Romania. xyzmo and its predecessors have a combined history of more
than 10 years of digital signature expertise. Our solutions have processed millions of
electronic signatures to-date around the globe.
Bullet Proof Through High
Security
xyzmo provides the highest level of security to
avoid the faking of biometrically signed
documents.
Biometric encryption
The biometrical signature data is encrypted
asymmetrically using a public key directly while
recording. Reading the signature for verification
purposes is only possible through decrypting it
with the corresponding private key, which can
either be stored offline, e.g. at a notary, or when
required online in e.g. a High-Security Module
(HSM).
Document binding
The biometric signature is
always securely bound to a
unique document. Its fingerprint
(hash) is encrypted together
with the biometrical signature
data making copy/paste attacks impossible.
Integrity protection
Once a handwritten signature is captured, a digital
signature is also applied, which turns the
document into a sealed PDF, making undetectable
changes of the document content impossible.
Standard Compliancy and
Compatibility
Full-conformance PDF and PDF/A e-
signature standard
Signed documents can be viewed by any standard
PDF viewer. Documents are sealed with a digital
signature compliant to the ISO standards for PDF.
Thus, the digital signature can easily be validated
with Adobe Reader and many other PDF viewers.
Moreover, the digital signature can show the GPS
coordinates of the location where the signature
was provided.
ISO/IEC 19794-7:2007 standard for
biometric signature exchange
Biometric signatures can be exported according to
the ISO/IEC 19794-7:2007 standard for biometric
signature exchange, providing full vendor
independence of the signed documents.
Compatible with major signature capturing
devices and digital pens
SIGNificant is compatible with signature capturing
devices, pressure-sensitive digital pens and tablet
computers from all major vendors.
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© xyzmo Software GmbH | www.xyzmo.com | T: +1-201-205-291-8 or +43-7229-88060