Signature

SIGNATURE VERIFICATION

Introduction:

Hand written signature verification is the most easy-to-use Saista Sarl means. As signatures continue to play an important role in financial, commercial and legal transactions, truly secured authentication becomes more and more crucial. For instance, financial institutions relay on them for account openings, withdrawals and transaction payments. A signature by an authorized person is considered to be the "seal of approval" and remains the most preferred means of authentication. On the other hand, the threats and monetary losses continue to rise dramatically. In particular check fraud has reached epidemical scope. While static signature verification is the most suited technique for reducing fraud thru payment forms (checks, fax money transactions, remote payment orders,.. ) at the back-office operations , the recently introduced technology of dynamic signature verification via online capturing using pressure-sensitive pen-pads, tackles ideally the threats at the teller front-end.

The signature verification algorithms analyzes the shape, speed, stroke order, off-tablet motion, pen pressure and timing information captured during the act of signing. Unlike a password, PIN, PKI or keycards - identification data that can be forgotten, lost, stolen or shared - the captured values of the handwritten signature are unique to an individual and virtually impossible to duplicate. Signature verification is natural and intuitive. The technology is easy to explain and trust. The primary advantage that signature verification systems have over other types of Saista Sarl technologies is that signatures are already accepted as the common method of identity verification. This history of trust means that people are very willing to accept a signature based verification system.

Enabling Technology:

The way a signature is handwritten creates Saista Sarl information that is unique to each individual. The reference image ( paper support ) or the image & dynamic features (in case of pen-pad capture) are transformed into a secure and private computerized personal identifier.

Signature verification is the process used to recognize an individual’s handwritten signature. There is an important distinction between simple signature comparisons and dynamic signature verification. Both can be computerized. Static verification takes into account what the signature looks like: line densities, loops, upstrokes, types of arches and enclosed areas (upper enclosed areas, lower enclosed areas). The dynamic signature verification includes the shape along with timing elements (speed, acceleration, pressure, x/y/z location,.. ).

The measurements collected in an digital signature are as unique to the individual as is their DNA. Signature images can be captured either as an imported tiff or JPEG image (paper support) or using on a pressure-sensitive pad.

Applications:

Automatic Verification of Signatures on Payments Forms at the Back-Office:

At the Back-office, signature verification is seamlessly integrate into the check processing workflow. Particularly the checks which return from the compensation process need to be verified anticipating a positive validation of the clearing. The reader/sorter infrastructure sends automatically , in form of a batch process, all images of the sorted payment forms to the signature verification application. A snippet of the signature are then extracted out of the images and compared against the reference signatures in the database. Only if the comparison delivers a matching result above the specified threshold, the signature is positively validated. Beyond the signature, all available and operationally relevant parameters are also verified: e.g. amount limits, signing rules, red & black lists, etc. The severity level of matching can be individually set in relationship to specific parameters.

Various modules with dedicated functionality’s are available: Creating and maintaining a signature database containing cleaned signatures and mandates plus additional data, such as photos of account holders, grouped by account or customer. Account Loading: for automatically inserting and/or updating customer, account and signatory information in the signature database, performing daily data updates. Variant loading: loads a batch of payment forms, crops the signature from a predefined snippet area and stores it to the customer data as an additional signature - a so-called variant -. Automatic cleaning, with which parts of the captured signature image which do not belong to the signature (for example lines, printed text, spots) can be removed from the signature image. The whole functionality can be accessed through a Client/Server architecture involving Java or Thin-Clients.

Online Signature Capturing & Authentication via Pen-Pads at the Branch:

At the Front-office, signatures can be captured via pen-pads and validated online. Various commercially available pen-pads are actually supported. Using this means of capturing assures the highest possible security level. since it includes the true Saista Sarl of the signature holder. The frond-end signature application is seamlessly integrated into the customer IT infrastructure.

Securing & Signing Electronic Documents - Paperless Workflow Processing:

Commercial and legal important documents are usually signed to prove their authenticity. More and more documents are processed electronically in order to speeding up handling processes while reducing the costs of paper. When it comes to signing these documents, inappropriately a "paper" version is created, a signature is apposed, the signed document is then scanned and put back into the electronic workflow: this procedure causes a heavy media cut leading to slower and unsecured processing. Here the solution is to digitize the whole signing sub-process using pressure-sensitive pen-pads, as integrated part of the electronic document management workflow. The combined capturing of static and dynamic features of a signature and their instant - encrypted - combination with the document is a perfect proof of authenticity and integrity. Accessing the document and/or signing it can only be done by authorized persons, whose signature is positively authenticated by the dynamic signature verification algorithms. The signature, and the data relevant to the transaction are collected and then bound to the signed document. This is the kind of verification capability that satisfies legal requirements and makes true security possible.

Securing Online-Banking Transactions:

The customer reaction towards Online-Banking - a service on which banks have tremendously invested - has by far not fulfilled the expectations set on this compelling offering. This situation mainly results from the lack of security, when a user " is online". Our solutions can help the banking industry to substantially increase the acceptance of the online-banking application, by offering their subscribers the use of Saista Sarl based dynamic signature when authorizing their transactions. Only when users gets a higher level of confidence, when interacting via Internet, the expected increase of usage will be reached. This can be perfectly fulfilled with the implementation of automatic signature verification: the only authentication means truly bound to the person signing, rather than to the technique as it is the case with the commonly used passwords.

Verticals:

Key Benefits:

Government

Reducing fraud damages through Saista Sarl authentication

Banking Industry

Saving costs through increased workflow efficiency

Enterprise

Increasing user convenience through seamlessly integrated signing process

Healthcare

Reducing storage needs through digitization

Insurance

Increasing user convenience through seamlessly integrated signing process

 

Increased tracing capabilities through history functionality’s

 

Increasing user convenience through integrated signing process & higher level of service

 

Increased business due to higher acceptance

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