Paperless Signing & Comprehensive Check Fraud Prevention Trustworthy Processing of Handwritten Signatures trusted by the world’s leading banks Date Amount MICR line Payee Signature Post- or outdated? Legal & Courtesy Amount - Inconsistent or missing? Altered? Forged, Missing, According to Signing Rules (e g missing 2 nd signature)? Manipulated? Combined Risk Score
This document is posted to help you gain knowledge. Please leave a comment to let me know what you think about it! Share it to your friends and learn new things together.
Transcript
Paperless Signing &
Comprehensive
Check Fraud Prevention
Trustworthy Processing of Handwritten Signatures
trusted by the world’s leading banks
Date
Amount
MICR line
Payee
Signature
Post- or outdated?
Legal & Courtesy Amount -
Inconsistent or missing?
Altered?
Forged, Missing, According
to Signing Rules (e g
missing 2nd signature)?
Manipulated?
Combined Risk Score
Securing Payment Processes
Combat Cheque Fraud
SOFTPRO is offering a unique holistic fraud detection and prevention suite for paper-based processes (such as payment transactions.
Mitigate your Operational Risk in Combating Check Fraud
Visual Signature Verification with Digitized Signature Cards
Convenient Administration of Signatures and Signing Rules
Automatic Verification of Signatures and Signing Rules
Solution Portfolio
SOFTPRO is the leading vendor of systems for capturing and verification of handwritten signatures worldwide
We are proud to support more than 200 companies in their document and transaction workflow every day.
We are dedicated to provide you with solutions that increase your operational efficiency and add security to your workflow.
What can we do for you?
We would be delighted to get in contact with you.
Please visit our website www.signplus.com and contact our SOFTPRO sales team. We will be pleased to introduce you to our solutions and services.
This product line secures the authenticity and integrity of documents within electronic processes, such as those required for legal contracts.
Signing contracts legally binding -without using any paper
Capture and Verify Handwritten Signatures in Your Applications
First Choice for Trustworthy Digitizing of Handwritten Signatures
2
see page 3
see page 10
see page 11
see page 20
see page 22
SOFTPRO‟s products are marketed worldwide under the umbrella trademark SignPlus®..
To address the extremely high demand for a holistic approach to fraud detection in the United States SOFTPRO also established the brand FraudOne for the US market.
see page 14
The Frost & Sullivan Customer
Service Leadership Award was
presented to SOFTPRO GmbH for
having excelled in serving its
customers and gaining superior
customer satisfaction levels. This
award recognizes the company
that has gained the best insights
into customer needs and product
demands.
see page 24
Yes – and it is convenient, simple and cost-effective - if signed
with an electronic handwritten signature.
The handwritten signature is by far the most widely used and
accepted form of authorization and authentication in the business
world. At the same time, it also poses the greatest challenge to
introducing electronic processes since a signature is almost
always required to seal a transaction. Businesses today face the
challenge of cutting operational costs incurred by manual paper-
based processes while maintaining a trustworthy, and yet
convenient equivalent for the most important aspect of a business
transaction: the signing and sealing of a contract.
Documents that require authorization such as contracts, or
endorsements have traditionally been paper-based for purposes of
proving intent. Consequently, organizations are often required to
convert electronic documents to paper to capture a signer‟s intent,
only to have to re-convert them at a later point in time back to
electronic documents for further processing such as archiving.
These conversions, also referred to as media discontinuities,
represent the largest cost factor in electronic document
processing today. The simple solution is to sign the documents
electronically.
SOFTPRO, the world‟s leading provider of signature solutions, is
proud to introduce its unique approach to signing electronic
documents: SignDoc®. The SignDoc product suite enables
businesses to continue using the trusted, and accepted
handwritten signature within electronic documents in a more
secure way than ever before without having to produce any paper.
Businesses around the globe trust SOFTPRO to help them cut
costs, and SignDoc customers are already reaping the benefits of
fully electronic document processes by asking their customers and
employees to…
Sign without paper – convenient, simple and cost-effective.
Can you sign contracts without
using any paper?
3
SignPad eSignio(Wacom STU-500)
SignPad Compact(Wacom STU-300)
SignPad Color(Wacom STU-520)
Paper is expensive.
Stop shredding your earnings. Why bother printing out a document onto paper for signing if it is going to end up being scanned into electronic format, and shredded at a later time anyways? Media discontinuities such as this, cost time and money.
SignDoc allows you to embed handwritten electronic signatures into electronic documents – in a legally binding, trustworthy, and secure manner.
Finance
At account opening, standing orders, exemption orders for capital gains, loans, any other contract processes …
SignDoc® is the key to reducing costs by finally enabling a simple yet effective method of moving to electronic processes and eliminating paper.
Where can SignDoc® be used to reduce costs?
Industry
Audit trails, production process and servicing journals, test reports, receipts …
Retail
Payment processes, receipts at the point of sale, or point of delivery
Health Sector
Electronic Medical Record (EMR), patient consent forms, lab reports, discharge letters, prescriptions …
Real Estate
Contracts, audit trails, journals …
Education
Various forms of documentation, papers exchanged in a correspondence course, orders (e.g. interlending) …
And any other contractual process…
Don„t put your savings into the shredder…
Telecommunication
Phone contracts, subscriptions …
sealed signeddelivered
4
“We prefer the handwritten signature to safeguard the authenticity and integrity of electronic documents. Signing is a common procedure for doctors and other health professionals and does not need to be explained. Handwriting input and handwritten signatures offer a perfect synthesis when organizing a mobile workflow in the hospital. The user experiences no interruption in his accustomed workflow.”
Thomas Kleemann, CIO Ingolstadt Medical Clinic Quotation from the Conference Proceedings of the 9th German Congress on IT-Security of the German Federal Office for Information Security (BSI) 2005, p. 134 about the user acceptance of SignDoc®
“The SOFTPRO software and a Tablet PC have put me on the cutting edge of my industry. My clients love the ease of use and thought it was “so cool” they could sign a contract this way.
The security features and the independent use enables me freedom that normal paper just can‟t do. I can even have my clients sign forms sent to me from other people! It amazes me that this technology is currently available and that not more people are taking advantage of it.
I simply applied the SignDoc software to the Adobe Acrobat Forms made available to me from my associations …This is the future. Thanks SOFTPRO for making me a leader in the Arizona Real Estate Industry.”
David Pierce, Real Estate Agent, The Equitable Real Estate Company, Scottsdale, Arizona
Signed …
SignDoc is a solution
for signing and sealing electronic documents in a tamperproof, and legally-binding manner using the biometric characteristics of a person‟s signature. The authenticity of the signature can be verified at any point in time either manually, or using SOFTPRO‟s unique automatic combo-verification to provide a high level of trustworthiness.
After defining a signing area within an electronic document using SignDoc, an authorizing person may sign the document in exactly the same manner that they would sign a piece of paper.
The signature, also known as a dynamic signature, is captured using one of many supported signature capture devices such as a pen pad, a writing tablet or a Tablet PC.
Sealed …
More secure than paper
Once a dynamic signature has been inserted into a document, the document is sealed and can no longer be altered without first removing the authorizing signature. In this way, security against post-signing manipulation is guaranteed.
SignDoc does not lock the document against unintended document changes. However it always keeps a record of the content status of documents, in other words: SignDoc always can display which signature was applied at a certain point in time and which document status was present at the time of signing.
… delivered.
Adaptable to existing processes.
The SignDoc product suite provides add-on components for easily adapting to existing business processes within your organization such as delivery of documents to archival systems, or integration within process workflow.
SignDoc is easy to use and enjoys high user acceptance. Unlike other electronic signing concepts such as public key infrastructures (PKI), no specific technical understanding is required from the signer.
Crossings
Upstrokes
Curves and loops
Start and
end of a stroke
Static
Enclosed areasp
Signals of time
and pressure
Speed
Acceleration
t
Signature Characteristicsanalyzed in SOFTPRO‟s unique Combo-Verification
(Examples)Dynamic
5
sealed signed delivered
Better than Ink
Biometrics guarantee authenticity.
A dynamic signature captured and embedded with SignDoc looks identical in all respects to a person‟s original wet ink signature. However, it is much more than just an electronic image.
The signature contains biometric information about how the signature was signed such as speed, patterns, habits, and pressure of pen strokes. These characteristics represent a biometric footprint which is unique to every individual and can not be reproduced by a forger.
Unlike other biometric technologies such as fingerprints, facial scan, or iris scan, a dynamic signature is more accessible and accepted because it is non-intrusive and does not convey a sense of criminality.
For this reason, people are less hesitant to use dynamic signatures for completing business transactions than other biometric technologies since signing has already been an accepted form of authentication and authorization for hundreds of years.
In addition to advantages such as the cultural acceptance of signatures, dynamic signatures also offer some of the best biometrics with respect to uniqueness and repeatability thus sealing your transactions in a secure manner and removing any question as to the identity of the signer.
Future-ProofDriving standards
SOFTPRO is active in the national body of the International Standardization Organization (ISO) (The German Institute for Standardization, DIN) to secure its customers‟ investments in dynamic signature applications.
The standard ISO/IEC 19794-7: Biometric data interchange formats –Part 7: Signature/Sign Time Series Data has been largely influenced by SOFTPRO and its research in this area. SOFTPRO fully supports this standard format in its software.
„I downloaded your demo software and it has been great. It operates smoothly and effective. We have given numerous presentations and demonstrated how signature recognition can work. …
…We gave a presentation to a high school where we asked the students to try and break into my Tablet PC. After attempting to duplicate my signature and failing, we offered them my signature on a piece of paper and let them trace over it, again only to fail.“
Chris Cook, Specialist for the evaluation of innovations on usability in the science field of Biometrics at Dakota State University
Reliable Authentication
SignDoc® not only allows you to capture signatures and seal documents, it also enables them to verify the authenticity of the signatures contained within those documents.
The reference signature may be verified against a repository of reference signatures such as SOFTPRO‟s SignArchive®.
This enables so-called pre-embedding verification where a signature is verified against a database of authorized signatories before accepting this signature and embedding it into the document.
The signature can also be verified by visually comparing the characteristics of a signature within a signed document to an original signature. For this purpose SOFTPRO can provide a forensic client called SignAlyze.
SOFTPRO‟s unique signature combo-verification compares both the static image characteristics and dynamic signals to a known reference signature. The verification automatically takes into account the natural variations in the signer's signature characteristics so that the capture and verification is effective in any situation.
Proven Solution
SOFTPRO‟s proven signature verification technology has been successfully used for over a decade in the world‟s largest financial institutions.
Broad Hardware Support
SignDoc supports a multitude of input devices for capturing and verifying signatures. Besides the popular SignPad eSignio these include writing tablets, and tablet PCs from several leading manufacturers so that you may choose the device that is right for your business needs. Our sales team can consult you on which devices are most appropriate for your application.
Support for Popular Formats
SignDoc products are available for signing the most common electronic document formats used in businesses today.
SignDoc supports out of the box signing and sealing of Portable Document Format (PDF)documents and TIFF images . In addition form-fields in PDF-documents can be filled-in using the SignDoc rich client or in the web browser running applications based on SignDoc Webtechnology. SignDoc Web can be disseminated with web-like convenience, minimizes client side footprint and can be easily integrated with document management systems.
A plug-in-version of SignDoc is also available for Adobe Reader®. In this context the PDF-documents have to be enabled for signing by means of Adobe® LiveCycle® or Adobe® Acrobat®.
In addition a add-on for Microsoft®
Word enables signing of Word documents (DOC format).
All SignDoc products equally support the signing and sealing of their respective document formats using a trustworthy and legally binding handwritten electronic signature.
Seamless Integration
SignDoc can be deployed as a standalone application, integrated into existing processes, or seamlessly combined with other SOFTPRO products to cover the complete electronic document lifecycle. The capturing of signatures for use within other applications at a later point in time allows your business to re-use captured signatures for later electronic or paper-based verification processes.
A typical example is the usage of SignDoc Web in conjunction with a document management system (DMS) for processing documents to be archived, while simultaneously capturing the signatures for later use.
Contact one of our sales offices for more information on how you can most effectively use our products to sign documents, or visit us at www.signature-verification.com
6
Legally Binding
Legal experts have confirmed that electronic documents signed with SignDoc® offer at least the same level of security as signed paper documents.
Driven by expense reductions and other benefits related to replacing paper-based processes by electronic ones, governments all over the world have been passing legislation to pave the way for the acceptance of dynamic signatures as a legally binding form of authorization and authentication.
SOFTPRO‟s technology facilitates the use of trustworthy digitized handwritten signatures and secures non-repudiation of electronic processes to ensure that your documents are legally binding. SignDoc facilitates the compliance of processes conforming to regulations and laws on electronic signatures such as the United States “E-SIGN ACT” (Electronic Signature in Global and National Commerce Act) of 2000 or the European Parliament and Council Directive 1999/93/EG of 13 December 1999, regarding a common framework for electronic signatures of 2001
.
Award-winning
The business value of SignDoc has been acknowledged by industry experts.
SignDoc was selected as the best business application for Tablet PCs, and won Microsoft's national "Tablet PC Challenge“.
Additionally, the product has been voted as the best Biometrics Application worldwide for the Tablet PC in Microsoft‟s international "Does Your Application Think in Ink?“ contest.
Winner
Best Biometrics Application
Microsofts international Competition for
Tablet PC Software Developers
The SignDoc workflow scenario can be applied to several typical contract processes. These processes usually require the filling of a form with contract-specific information, followed by the sealing of the transaction with a signature.
With SignDoc, this familiar process remains the same from the signer‟s perspective except that it takes place fully electronically.
The electronic forms are completed and signed.
Once signed, the documents are passed back to the back office and archived in electronic form. This may be automated using SignDoc Web.
Go Green with Your Workflow
The captured signatures may be extracted for future use in subsequent processes (e.g. check processing, online portal authentication, self service/ATM verification or credit card transactions) and safely stored in a reference data base.
Paper is completely eliminated.
The automatic archiving of signed documents eliminates scanning and archiving costs inherent to paper-based processes. Accounts can be created quickly and easily. Contracts can be negotiated, reviewed and signed in one continuous process.
The cost savings derive from the avoidance of form creation, form printing, form handling, form storage and form archiving. According to ROI-calculations in the banking sector, the savings per document can amount to 2 Euro per document.
7
Customer sends contract back
Filling the form and copy it
Selection of PDF form
Customer signs on capturing deviceSignature data instantly bound encrypted to the
electronic document
Document creation on screen
Customer signs document on paper
Paper document is sent to the
customer
Shipment of forms to dealer
Document display on screen
for verification by customer
Digital archiving
Scan of the document (OCR/ICR)
Contract verification & OK
Indexing & digital archiving
Destroying paper
Contract verification & OK
Todays’ Process Straight-Through Process with SignDoc
Potential for cost savings and
enhancement of process speed
Download free 30-day demo versions at
www.signature-verification.com/signdoc
Yes – using the right combination of legally binding electronic
signatures and supporting systems, you can finally stop shredding
your earnings.
Businesses today face the challenge of cutting operational costs
incurred by manual paper-based processes while maintaining a
trustworthy, and yet convenient equivalent for the most important
aspect of a business transaction: the signing and sealing of a
contract.
If there was a simple and convenient method for creating and
preparing forms, presenting them to a customer, signing them,
and returning them to a back-office, all electronically, the use of
paper would be completely unnecessary and the benefits of
accelerated processes could finally become a reality.
SOFTPRO, the world‟s leading provider of signature solutions, is
proud to introduce its unique approach to accelerating electronic
processes: SignDoc® Web. Using this outstanding SOFTPRO
technology businesses can move to paperless electronic contract
processes with minimal effort.
SignDoc Web represents a productivity boost for your process
environment – There are no more obstacles to modernizing your
current paper-based processes: paper utilized in the past as an
intermediate data storage medium is completely eliminated.
Businesses around the globe trust SOFTPRO to help them reduce
costs, and SignDoc customers are already reaping the benefits of
fully electronic document processes by asking their customers and
employees to…
Sign without paper – convenient, simple and cost-effective.
Can contractual processes be truly
paperless?
8
(4) Post Processing
SignDoc Web is the only system that enables the extraction of signatures from signed documents for further processing within your enterprise while maintaining the security and integrity of the signed documents and their signatures.
These electronic handwritten signatures may be further used for authentication in other critical business processes: Signing in payment systems, applicants in government and administrative procedures, authorization of persons, and requests in intra-enterprise supervision and controlling.
(3) Instant Archiving
The completed electronic document is automatically transferred to a document archive of your choice. SOFTPRO‟s universal yet easy to use interfaces enable simple integration with virtually any document management solution such as SOFTPRO‟s own SignInfo.
SignDoc Web
Server
Document
Archive
Creating the Green Workflow
Create
Document
Display &
Sign
Archiving &
Post-Processing
Signature
Database
or 3rd party archive
Signature
Verification
Template Repository
Data Source
Application Workflow
The quality of the captured signature data is suitable for either instant or later verification –embedded using sophisticated cryptography methods to ensure the document‟s integrity.
Popular Application
in Payment
Processing
9
SignDoc Web enables the paperless presentation, signing and archiving of documents.
In SignDoc forms can be filled-in, signed and sealed with a trustworthy legally binding electronic handwritten signature while SignDoc Web also covers the remaining process chain for example pre-filling form-fields with your data, storing documents in your archive system (DMS), and optionally and storing signatures found in the documents into your signature database.
(1) Choose document
Select prepared documents in a web application for presentation, completion of data and signing with SignDoc Web.
These documents may optionally be pre-filled with data from other data sources - for example CRM-systems, patient records databases, production tracking systems…
(2) Sign Paperless
There is more in the signature field than meets the eye: In addition to the signature image, the electronic file includes the static and dynamic (biometric) characteristics of the signature.
workflow
Paperlesssigning creates the green
The signatures are stored in SOFTPRO‟s signature capture –administration - and verification systems (for example SignBase®).
FraudOne®, SignBase® and SignCheck® and SignInfo® are products of SOFTPRO‟s Fraud Prevention Systems portfolio already widely-used in financial and government institutions world-wide.
01100011010100110001101110
&01100011010100110001101110
Capture and Verify Handwritten
Signatures in Your Applications
10
Software Development Kit
Capturing of a signature with information on static characteristics and dynamic signals
Successful e-business is based on the trust of business partners
in the security of their data exchange. Self authentication is
required in log-in windows for network access, web applications,
home banking and various other individual programs.
SignWare® consists of a Software Development Kit (SDK) allowing
to build your own applications leveraging the full potential of
trustworthy biometric signatures.
SignWare® is the ultimate e-Signature Toolkit
Applications making use of SignWare® provide a
convenient and secure way for authentication with
the unique handwritten signature.
Unique
For every signer a unique reference data set is created in SignWare®. During the enrollment process, SignWare® is assessing the quality of this set.
Applications using SignWare® will verify two aspects of the signature of a registered signer, the static image of the signature as well as the invisible biometric characteristics of the writing movement such as speed and pressure.
Easy Integration
Programming Interfaces: C, C++, C#, ActiveX/ .NET, Java & environments supporting C-function calls, servlet and web services API
Interfaces for the integration of smart cards and smart card readers.
Comparison of a signature with the reference data set of an enrolled person (static and dynamic verification)
Creation of a reference dataset out of a minimum of three signatures per person
Normalization of captured data enabling verification operations to be largely independent of capturing devices
Support for static signature images (8bit grey-scale, black & white) also contains facilities for cleaning of unwanted “artifacts”
Features Components
Optional add-on: SignAlyze- sophisticated toolbox for signature analysis -visualizes the various aspects of dynamic/ biometric signature characteristics. Not targeting the newbie but rather the expert working for fraud departments, in forensic analysis and everyone interested into the “science of signing”.
First Choice for Trustworthy
Digitizing of Handwritten Signatures
The first „SignPad“ is named
“eSignio” .
Note that Wacom is using the technical
term STU-500 for this tablet as well.
More and more companies want to process signatures without
paper – which is easy to understand as paperless processes
allow savings on cost and time. Interest in devices for signature
capturing is rising enormously. Almost every bank has
discussed – at least internally – if there is an option to digitize
customer signatures at the teller in their branches.
The market today is offering a broad array of very different
devices for signature capturing. They are a familiar sight in a lot
of verticals – from rental car companies, logistic providers or
when signing an insurance contract. However users do not
seem to be very happy with their choices - as quite frequently
the display of the signature itself on the display is poor and
would not even allow a visual verification compared to a
signature on paper. Several studies document additional weak
spots of some of the currently available digitizing methods and
outline deficits in the quality of hardware or software.
Enough reasons for two worldwide leading companies in the
corresponding fields of high resolution pen input technology –
Wacom - and for software to capture, administrate and
automatic verification of signatures – SOFTPRO – to closely link
up and create a “SignPad“ together.
SOFTPRO introduced the first of a series of new generation
signature tablets to the market world wide in December 2007.
The feedback from SOFTPRO‟s customers and prospects was
and is overwhelming, the SignPad eSignio is commented as a
“quantum leap”. We invite you to share the excitement and
elucidate on the follow pages some of the aspects
characterizing a “SignPad“.
Following the success of the SignPad eSignio the next device in
the SignPad series – the SignPad compact – was launched in
late 2009.
The first color SignPad is introduced series – the SignPad Color
– is available from in autumn 2010.
SignPad eSignio and SignDoc
at the check-out at German
IKEA stores.
SignPad eSignio and SignDoc
for paperless account opening
at Berliner Sparkasse
Basis: Robust and proven technology
SignPads unite premium technologies in hardware and software in a tight-knit way. In contradiction to other offers on the market where “some software” is offered on top of the hardware, you will benefit of a future-proof interaction of capturing device and software of signature processing – both from the leading experts in their fields and both on the market since 1983. 25 million signatures are verified every day automatically with SOFTPRO‟s software. Wacom is bringing in the experience of millions of sold pen tablets and uses acknowledged methods for quality assurance in production.
The outstanding quality of SignPads is easy to experience. Just choose some signature captured with a SignPad for an automatic verification – e.g. using SOFTPRO‟s SDK SignWare:
This allows to capture and compare very accurate signal profiles of time and location coordinates. This kind of technology has already been part of Wacom‟s graphic tablets such as the Graphire4 or Intuos3 in the past. The latter are increasingly used for instance in registration offices in Germany and Sweden.
It is a little known fact that Wacom has sold more than 100,000 pen tablets world wide which are used for signature capturing – much more than many competitors. Most Tablet PCs use Wacom‟s „Penabled“-Technology as well to achieve top quality for handwriting recognition.
•SOFTPRO‟s unique combo-verification compares the static image characteristic as well as the dynamic (biometric) signals, which are produced throughout the signing process.
•Wacom‟s patented inductive pen technology protocols the pen position and the intensity of the writing pressure very accurately.
•It‟s a unique hands on experience: Right from the first contact you will realize that the surface allows a natural way of signing – like on paper. Thus one is signing just as usual. The „digital ink“ is displayed without any delay throughout the signing process – faster, more accurate, rich in contrast and sharper than on any other device on the market – and visible what ever the surrounding lightning conditions maybe.
•The tablet is 10 cm width, equipped with an end-to-end sensor offering enough space to cater for long names (such as compound names)
•The ball of the thumb can rest on the tablet surface throughout the signing process as the electromagnetic digitizer will not sent any signals from the thumb ball to the sensor.
•The writing surface is non reflective and highly resistant to scratches.
•The pen may be stored flexible: laying or standing, variable storage for left and right hand writing. A light, flexible cord to fix the pen to the pad is part of the SignPad package.
Optimized for Signing
A SignPad is particularly designed to support the trustworthy capturing of the handwritten signatures without paper. The ergonomics of the device are consequently optimized for easy and self-explaining signing. As a result a user will “just sign” – no questions asked.
Esthetic and functional
Form follows function – something implicit for Wacom – as the graphic business is one of their home markets for decades. Compared to other devices on the market the SignPad attracts with an extraordinary flat design, which perfectly fits into different application environments and furnishing concepts. Individual device colors – matching a corporate design - and/or integrating logos of a company or product are an option for larger orders.
2
signing
Paperlesstrustworthy green
Building Trust in e-Signing Processes
If a signer trust a capturing device is already decided before he starts to sign. Thus the SignPad is equipped with a 5“ display and full VGA resolution. Related texts to a document or transaction which needs to be signed– such as terms and conditions – are displayed crystal-clear. In other words: “What you see is what you sign”
Security to rely on
SignPads distinguishes themselves with stringent security features: The communication (data transmission) from the capturing device to the operating system is secured with strong encryption and key negotiation. Every key is negotiated between the tablet and the computer at the beginning of a particular communication and valid for a limited time frame only.
Easy to integrate
Serial or HID-USB: Using SOFTPRO‟s software (e.g. SignDoc or SignWare) in combination with the SignPad works without installation of a driver. It‟s Plug & Play – also via Terminal Server, no matter if serial or USB.
Customers about SignPad
softpro.de/customer-feedback
easysign
Signing with Non-repudiation
Forensic experts put a special emphasis on a reliable protocol of signals of different intensity of writing pressure captured throughout the signing process as it is the analogy to information captured on the “data medium paper“ where the pressure levels may be analyzed by using a microscope. It is exactly this biometric feature which is almost impossible to forge. These experts are also questioning tolerances which occur in the production process of the tablets or may result out of limitations of a particular technology.
A weak spot of some of the devices that are available on the market today is the accurate logging of similar pressure intensities at various areas of the capturing surface. This topic was also extensively covered in 2007 by the 7th congress of the Society for the Forensic Examination of Handwriting (Gesellschaft für Forensische Schriftuntersuchung, GFS). SignPads offer the most differentiating capture of signature data – compared to all other currently available writing tablet. They offer an outstanding trustworthy, calibrated, evenly distributed capturing of differentiable pressure levels without Interpolation.
smart
paperless
3
Robust & Durable
Wacom is very well known for robust and long-life hardware. Customers buying in their devices know that they made a sustainable investment. Wacom‟s tablets have gained the reputation to survive several PC-generations. SignPads will do so as well. The high quality LCD components do not require any additional lighting – use less power and have a longer life expectancy when compared to competitor‟s devices. Unlike to many other devices the sensor in the tablet is behind the display and does not interact directly with the pen so there is no wear and tear. In other words: Whether at the POS or at the teller: You can count on durability.
Additional Information
Additional information about product demonstration, options to test SignPads, price points, potential delivery dates and technical details are available from SOFTPRO‟s Signature Professionals.
Please do not hesitate to contact us. We welcome your inquiries.
SignPad Compact
The SignPad compact (technically branded as LCD Signature Tablet STU-300) is designed to be small and compact as well as durable and robust meaning it is ideally suited for mobile areas of application. This includes insurance agents working in the field with a need to record client signatures on contracts or service staff carrying out repair and maintenance tasks on site.
The SignPad Compact - durable and robust –the new best-seller and joint development of SOFTPRO with its long-time partner Wacom.
Operational risk - the risk of loss resulting from inadequate or
failed internal processes, people, systems or external events - has
become prevalent in today‟s business environment. Operational
risk encompasses the failure to implement strategic objectives
and initiatives in a successful, timely and cost-effective manner.
Subcategories of that risk include Process Risk, People Risk,
Systems Risk and External Events Risk. All financial institutions
today are subject to the serious effects of operational risk. Without
adequate systems and the right mitigation strategy losses are
unavoidable.
The total amount of attempted check fraud against banks' deposit
accounts reached an estimated $11.4 billion in 2008. Check
fraud losses incurred in 80 per cent of the banks. 761,000 cases
of check fraud were reported in 2008. Although the use of checks
is decreasing slightly, America‟s affinity to checks is diminishing
very, very slowly: 26,2 million checks were written in 2008 alone.
The Check 21 Act in the USA opens the door to both efficient
image processing, and at the same time eliminates traditional
security features such as touch, smell, and feel of paper. Such
image-based check transactions pose a threat with serious loss
consequences.
Check fraud crime is easy to commit with little downside risk to the
perpetrator. Enhanced financial products, services and customer
access as well as enabling technologies such as scanners, all
increase the avenues of opportunity for fraud.
How can these losses be avoided? Is searching for fraud amongst
the billions of transactions like searching for a needle in a
haystack? No! Fortunately, there is one holistic and sustainable
way to address all relevant aspects of check fraud and effectively
lower the operational risk. That solution is FraudOne, successfully
in production at leading financial institutions around the globe,
and securing millions of transactions every day.
SOFTPRO serves the financial industry with a unique combination
of best-of-breed products, and world class consulting, based on
the experience of many successful implementations. We share
lessons learned and best practices so you can avoid risk.
Mitigate your Operational Risk in
Combating Check Fraud
Current Trends in
Check Fraud
SOFTPROs consulting team is
acknowledged in the financial
industry for its outstanding
expertise in fraud and risk
mitigation.
Contact us and see how
SOFTPRO can help you to
mitigate risk with expert
consulting.
14
Check Societies
Top 7
Country
USA
France
United Kingdom
Brazil
Canada
Australia
Italy
Sources of figures for 2008:
American Bankers Association (ABA), Deposit Account Fraud Survey Report, published March 2010
Australian Payments Clearing Association (APCA), Cheque Payment Transactions
Bank of International Settlements (BIS), Statistics on payment and settlement systems in selected countries, published December 2009
European Central Bank (ECB)
CIAB Congress
US Federal Reserve Payments Study
Checks
in Mio
26,639
3,487
1,403
1,400
1,214
404
384
Check a Focus on Day 1
Developing the Counter Strategy
Are your risks primarily on Day 1, or Day 2 of the check processing cycle? Today, operational risk mitigation typically occurs on day 2 at a centralized location. As a result, day 1 activities such as check cashing, deposit acceptance with less cash, movement of funds, new account openings and record changes expose you to additional risk as fraud operators move their activities to day 1 to avoid detection.
As banks move to distributed capture and an image-enabled environment, fraud filters can be placed at the point of origin. Our consultants can review your day 2 detection capabilities and develop a strategy to move either the entire functionality, or portions of it, to day 1 based on your individual needs.
World Class Consulting
Sharing Best Practice
Financial institutions around the globe have trusted SOFTPRO to help them mitigate risk. The experience and lessons learned put SOFTPRO in a unique position to share industry best practices with you. We can provide you with assistance to review the progress-to-date on loss reduction goals, tweaking your FraudOne system, improving false positive ratios, and reviewing database quality.
The Holistic Approach
Because Silos simply don‟t work
Systems that target a single type of fraud are unable to effectively identify fraudulent items and additionally produce a high number of non-fraud suspects that cost time and money to process. SOFTPRO‟s products target all prevalent types of check fraud such as forged signatures, forged endorsements, and counterfeits to name a few. The products take into account many factors such as image data and transactional information and with the help of SOFTPRO‟s consulting expertise, these products can be tuned to achieve outstanding results.
In addition to analyzing your individual risk profile, our consultants are available to assist you with business case development, proof of concept, and loss analysis and stratification.
The Right Tools
Combined Risk Scoring
FraudOne® incorporates a scoring component called Combined Risk Score (CRS) that is highly effective in distinguishing between real suspect items, and good items. Our consultants can help you to best utilize this unique technology by showing you how to adjust it to exactly match your individual risk profile and maximize your CRS results.
fraudcheckcombat
to
Check fraud detection system that detects counterfeit and maker‟s signature forged items. It can be a day 1 and/or day 2 process. It is scalable to any size institution.
Detecting the Hidden Loopholes
Assessing The Operation Risks
In addition to optimizing your check verification processes, SOFTPRO also offers consulting services to help you mitigate existing and emerging operational risks such as those created by organizational changes (e.g. mergers/consolidations leading to disparate tools and filters, general organizational issues, etc.).
An unclear risk mitigation strategy exposes your institution to losses. Let us help you to define a holistic approach to operational risk which includes all relevant departments and banking centers.
Our consultants are available to review your current fraud prevention environment, and make recommendations to optimize your institution‟s loss avoidance. We can review your current organizational structure to ensure effective enterprise-wide risk management.
If you need assistance in a court dispute concerning risk in your organization, our experts can provide expert witness testimony to enhance your chances in winning your case.
Contact SOFTPRO and let us show you how to avoid losses.
15
Major Aspects of Check Fraud
Date
Amount
MICR line
Payee
Combined Risk Score
Signature
Post- or outdated?
Legal & Courtesy Amount -
Inconsistent or missing?
Altered?
Forged, Missing, According
to Signing Rules (e g
missing 2nd signature)?
Manipulated?
The risk of your financial institution becoming the victim of fraud
crimes is growing every day. Due to legislative changes, and the
increasing sophistication of criminals, the banking industry has
become an easy target for check fraud crimes.
SOFTPRO is proud to introduce the first effective next-generation
fraud detection solution: FraudOne®.
Unlike other solutions that loosely integrate independent silo
detection systems, FraudOne is based on a holistic, flexible, cost-
effective, and proven approach. The platform-based system
architecture combines several complementary image processing
technologies to effectively identify suspicious payment items, and
ensure that you do not waste time looking at inaccurately flagged
suspects (false positives). To achieve this, FraudOne incorporates
a unique risk-scoring technique that significantly reduces false
positives so that you can concentrate on only the real suspects.
There is never a good reason to
lose money
BITS - "Strategies for
Mitigating Fraud Risks
Associated with the
Check Clearing in the
21st Century Act" – about
the benefits of FraudOne
"New image-based
signature verification
tools, such as FraudOne,
provide an opportunity to
systematically review
more signatures at a
lower dollar threshold
than is feasible with the
current, manual signature
review process. These
tools greatly reduce
today‟s high false positive
rates for counterfeit and
forgery."
16
FraudOne at a glance ...
• Image analysis infrastructure
• Front-office capture and verification
• Web and fat client module for enabling remote signature capture and storing into the signature data base (SignBase)
• PAD Fraud Detection -Processing engine for automatically identifying pre-authorized drafts
• Automated Technical Verification - Processing engine for automatically verifying legal and courtesy amounts (LAR/CAR) as well as identifying post- and/or out-dated checks
• Rules-based Risk Scoring -"Combined Risk Score / CRS" - Rules-based add-on module to FraudOne for creating business rules, and/or consolidating results from several sources to identify fraud. The module is also used for dynamically configuring the item processing workflow.
• Incorporation of Transaction Analysis results and other back office systems
• Day 1 instant verification of payment items - Web module for providing instant verification of checks to identify suspects at the teller window on Day 1
Last, but not least: World class consulting and services
Front and Back Office Solution Aspects
FraudOne provides components for Day 2 back-office batch processing of payment items as well as Day 1 instant verification solutions that enable your tellers to instantly verify payment items at the front office.
Proven Solution
In co-operation with six of the U.S. banking industry‟s leading institutions, SOFTPRO defined check fraud prevention best-practice requirements in 2001 as part of the FraudOne initiative.
These activities have resulted in SOFTPRO‟s implementation of the first truly effective image-based fraud prevention solution based on SOFTPRO products and services: FraudOne.
Secure and Low-risk investment
Unlike other fraud detection systems, FraudOne fits into your institution‟s current infrastructure and not vice versa so that it can be implemented with minimal changes to your existing back-office infrastructure.
The FraudOne platform can quickly and easily be adapted with new detection functionality and fraud profiles as industry fraud patterns change. With FraudOne, we are committed to providing you with a secure and future-proof investment that will continue to provide value as industry demands change.
fraudcheckcombat
to
17
“When we first started looking into an image-based fraud detection solution, we were skeptical that we could find a product on the market that would satisfy our business requirements, be cost-effective, and be able to perform in a highly complex check processing environment such as Bank of America‟s.
We did an extensive search of all vendors on the market. SOFTPRO convinced us that they would be the right partner for us based on the quality of their product, their ability to correctly identify fraud, and their professionalism as a company.
Their products exceeded our expectations by enabling us to reduce our false positives by 50%, as well reduce our losses due to counterfeit and forged maker signature checks by 60%!
We are convinced that we made the right choice by selecting SOFTPRO."
Bank of America
Angela Bardowell, Senior Vice President, Process Design Executive, about SignBase and SignCheck components of the SignPlus FraudOne in March 2005
Stop
• Web access to verification back-end from the teller
• Seamless integration with scanning hardware
• Interface for integration into other teller platforms
• Provide instant preliminary pay/no pay decision
• Perfectly complements the FraudOne Day 2 process for On-Us checks
Fraud
Dynamic Signature Capture
Release 4.0 offers the possibility to capture new signatures remotely at the teller by using signature capture devices.
This allows adding new signatures at the moment when the client is present at the branch‟s teller.
On Day Zero!
Day 0 Instant Check Verification
Move your verification to Day 0 and verify checks for fraud detection on-the-fly.
The system allows a check to be scanned at a teller station and sent to the FraudOne servers for instant verification. The result provides customers with an accurate indication of whether or not a check is good.
• Add-on to standard Web-based Inquiry Client
• Enables capture and replacement of dynamic signatures from any location
• High quality signatures for use in other areas of the bank (check fraud detection, customer authentication)
• Perfect complement to online account opening
18
The new release 4.0 of FraudOne®
offers a wide array of highly valuable enhancements which underline that FraudOne is arguably the most advanced suite for check fraud detection and prevention worldwide.
Release 4.0 provides more fraud detection functionality, support for integration of account opening applications and solutions for Instant verification and remote capture applications.
It even allows replacing old signatures (static or dynamic) with new ones. Signatures must no longer be written on paper and imaged by a scanner for processing in the back office. They can now be added directly via a browser client. This saves paper and turnaround time.
• Seamless integration of Thin Client and SignDoc®
• Provides complete end-to-end signature ceremony
• Secure process
• Instant availability of captured signatures
• Multiple signers
• Multiple forms per account
• Signing at different times
• Storage and retrieval of signed documents
19
SignTeller Verification
• Web enabled Signature verification
• Uses SOFTPRO„s industry leading „combo-verification“
• Allows verification even if dynamic characteristics are not available yet
• The perfect way to deploy dynamic verification with a gradual database buildup.
• Automatic signing rule verification
Schmidt, Sven
Stop
Before itFraud
happens
Complete Account Opening
The account opening application refers collectively to a set of features that enable an automated paperless account opening process.
The application uses several products and product features to achieve this goal.
The account opening application implementation for Release 4.0 includes:
Real-time authentication of customers
• Ability to automatically store captured signatures within SignBase®
• Updating of PDF documents created by SignDoc
• Printing of documents within SignDoc
• Storing of documents within the SignInfo archive
• Extended handling of account images in Thin Client
• Creation of electronic account opening documents with SignDoc in PDF format
• Capturing dynamic signatures within a SignDoc document
Supported Account Opening Processes:
Visual signature verification with
digitized signature cards
SignInfo® is your first step towards automated signature
verification. This module eliminates the need for traditional paper
account cards and associated storage costs.
SignInfo– Less Paper. Higher Efficiency.
Manage and display signature card images and signature card
snippets. SignInfo is easily integrated into common teller and
payment transaction systems.
Combo-Bonus when used together with
+ SignBase®: Signature database enhanced to store and display
additional documents such as photos and IDs.
+ SignPlus® Archive Interface Server: Extract existing images from
document archives and to manage a “single scan” process for
both the signature database and the document archive.
20
Rich Client Capturing Screen
showing directory tree
display, image documents
(e. g. signature card, photo,
ID card or any other kind of
document) and free text
information.
Thin Client Display Screen
XAccount Opening Card
21
Data access is protected by using a relational database.
Enhancements
Modular enhancement options protect your investment:
Upgrading to SignBase enables you to manage signature snippets. Semi-automatic cleaning removes image elements that are not part of the signature (e.g. lines and boxes, rubber stamps, background graphics etc.). Optionally, a form-independent cleaning of grey-scale snippets is available.
Signing rules are stored in free text form. Optimizing your workflow requires that these rules are managed in a normalized way. Upgrading to SignBase® allows to store and display the rules unambiguously and clearly.
Support of “four-eyes“-principle.
Improved Security
Data capturing via SCSI TAIN scanners or import file interfaces
Optional signature card snippets migration fromexisting document archives (using the SignPlus® Archive Interface Server) or existing InfoSign databases
Data and Image Capturing
Every single data update is recorded in a protocol and can be audited at any time..
Customer authentication data easily retrievable across branches.
Easy capturing, safe management and flexible updates (e.g. verification thresholds).
In addition to signature cards, further document images can be stored, e. g. photos, ID card copies and other identity information – your choice of b/w monochrome or grayscale images (optional).
Easy to maintain
Use SignCheck for a full automation of your signature verification process (configurable workflow, automatic signature and signing rules verification).
SignDoc allows you to add signing of electronic documents to your workflow.
with digitized signature cards
verification
visualsignature
SignBase® - the basic module of SignPlus® - is the ideal starting-
point for automatic signature verification. SignBase® displays
signatures and signing rules at every workstation within seconds
while offering convenient administration. Forget old signature
cards or inflexible data bases. The use of signature verification as
an automatic process in the background removes the burden from
branch offices. SignBase® workflow increases efficiency and
reduces risk of fraud.
All Answers at a Glimpse
SignBase® offers an unparalleled overview – independent of pre-
formatted forms. Concern of authorized signers with certain
signing rights is eliminated. The signing rules of authorized signers
are displayed clearly even if rules are very complex.
Reference Data easily updated
Some reference signatures may have been initially captured many
years ago or captured in poor quality. Consequently, there is a
need to update reference databases. SignBase® has the ability to
add so-called ”variants” to reference signatures. The use of
”variants” enables SignBase® to account for the natural variation
within an individual‟s signature. Furthermore, users benefit from
current technology including high-resolution scanning and high-
capacity storage. Capturing variants requires minimal effort, data
may be taken from regular checks or giro forms.
Clean Signature Images
Scanned signatures may include disruptive background
information With the use of an optional automated cleaning
module, printed lines, boxes, stamps or images in the background
are removed. This ensures the storage of a clean signature image
and improves the accuracy of the verification process. This
sophisticated algorithm has been successfully proven world wide.
Another option is to clean grey images - independent of pre-
defined forms.
22
Display of a Signatory‟s details – including signing rules and directives, stored in a relational data base
Convenient Administration of
Signatures and Signing Rules
Importing Data
• Automatic signature verification in paper based
payment processing (SignCheck®)
Convenient Administration of Signatures and Signing Rules
Windows 2000, XP, XP Tablet PC Edition 2005, Server
2003. Limited support of OS/2 and Windows NT4.
Additional information is available on our website and from
our sales representatives.
Data Bases
Features
Operating Systems
Extensions
• Additional capturing and administration of biometric
data utilizing writing tablets and Tablet PCs in
combination with SignTeller Verification
SOFTPRO has compiled a list of quality criteria for digitizing
signatures throughout the signing process, based on its
experience with more than 200 customers in financial
institutions worldwide.
SignPlus® also supports the capturing of static images via
TWAIN-compatible SCSI-scanners.
The availability of writing tablets (e.g. in the teller
environment) or TabletPCs (in mobile scenarios) enables
paper-less signature verification. In addition, these devices
greatly improve the verification accuracy by capturing
biometric characteristics such as writing pressure, speed
and acceleration.
SignBase® is used in hundreds of financial institutes
worldwide including Barclays, Citigroup, Deutsche Bank,
Discover Financial, Lloyds TSB, SEB and UniCredit
HypoVereinsbank plus regional or national institutes. The
solution contains the experiences of the SOFTPRO team
and its partners from various project requirements of
more than one and a half decades.
Capturing
Benefit from our Experience Additional Information
IBM DB2, MS SQL Server 2000, Oracle. Additional
information is available on our website and from our sales
representatives.
• Semi automatic cleaning of disruptive background
information prior to storage
We would be delighted to get in contact with you: Please
visit our website www.signplus.com and contact our
SOFTPRO sales team.
We will be pleased to introduce you to SignBase® and to
other modules of our signature verification system
Data of accounts, signing rules and signatures may be
imported from existing document archives or other
applications (e.g. via XML) by using optional modules. This
import mechanism supports all objects of the SignBase® data
model.
• Data import via SignPlus® Archive Interface
Server
Fast and easy access to all relevant information of a
signatory
Customer or account oriented – enabled by a flexible
data model
Online help with in-depth documentation
Capturing and administration of signatures and signing
rules, extensive audit options for all data changes
Interfaces, which allow integration into common front
office applications and payment systems
Convenient graphic user interface in Java Client and
browser client (Thin Client)
Online access of past data through “historization” of
important alterations
23
SignCheck® closes the last gap in the automation of payment
processing with automatic signature and check stock verification
that offers unparalleled levels of reliability. Unlike visual
verification, automatic signature and check stock verification is
reliable, accurate and scalable.
Increased Security and Streamlined Workflow
SignCheck® incorporates analytical knowledge from a team of
highly-sophisticated forensic writing experts. Their experience was
reflected in the training of the neural network and the fuzzy logic in
SignCheck®. Fraud Specialists are able to focus on questionable
items only, eliminating traditional “needle in a hay stack” analysis.
Verification thresholds can be lowered to high fraud areas to
optimize fraud detection. Check value may be used to set
thresholds for verification. These settings may be adjusted daily,
depending on changing security requirements.
Reliable, Fast and Audit-proof
Results of all workflow processes are stored in a result file and
may be directly used by other systems processing (storage in
payment image archives, merging with debiting checks).
SOFTPRO‟s customers process most of their transaction items
automatically, thanks to ongoing optimization of reference data,
forms and the workflow itself.
SignCheck® is scalable to process almost any number of
transactions within a given operating window. Scalability is
achieved through the addition of hardware and no code changes
are required. Since the parameters of workflow and verification
procedures can be configured and customized, and because
SignCheck® supports multiple banks, it is the perfect fit for both
insourcing and outsourcing scenarios. This gives you the flexibility
to adapt quickly to eventual business changes.
SignCheck® provides audit security to meet Basel II requirements:
Verification results are completely documented and may be
reproduced at any time.
24
Some examples for the static characteristics of a signature image
SignCheck® extracts and weighs 60 different primary and 500 secondary static signature characteristics and combines them in parameter vectors.
After calculation, a neural network is used to define the level of similarity between a signature and a reference. The natural variation of a signature is taken into account throughout the comparison.
Best In Class
SignCheck® has proven its technological leadership in independent vendor tests with impressive results.
Recently, SignCheck®
successfully passed a qualification test held by key financial institutions in the United States and was ranked best in its class.
Crossings
Curves and loops
Upstroke
Enclosed areas
Automatic Verification of
Signatures, Signing Rules and
Check Stock
Convenient graphic user interface in Java Client
and browser client (Thin Client) for visual and
technical verification of questionable items
Automatic Verification of Signatures, Signing Rules and Check Stock
Benefit from our Experience
The first version of SignCheck® premiered in 1994 at
Credit Suisse. Today many banks world wide are using this
SignPlus® module including Barclays, Citigroup, Discover
Financial, Fifth Third, Key Bank, OCBC and UniCredit
HypoVereinsbank,. Millions of checks and transaction
documents are verified automatically each working day.
Features Extensions
If compulsory, second signatures on transaction
items are verified automatically
• Real-time verification of static and dynamic (biometric)
signature characteristics, captured via writing tablets
and Tablet PCs, provides authentication on the spot
(SignTeller Verification)
Verification of signatures and complex signing rules Further verification possibilities:
Reference Data Administration
Reference data for verification is taken out of the SignBase®
data base. Additional information about SignBase® is
available on a separate product leaflet.
Interfaces, which allow integration into common
payment systems
Multi bank capability (e.g. for workflow and verification
thresholds)
• Automatic technical verification of non-signature data
on an item
Scalable on demand to increase verification of up to
millions of items per day
Integration into automatic debiting possible
Optional integration into solutions for payment analysis
(e.g. Carreker FraudLink On-Us – formerly known as ASI
16) and check stock verification
• Check stock verification
Windows 2000, XP, XP Tablet PC Edition 2005, Server
2003. Limited support of Windows NT4. Additional
information is available on our website and from our sales
representatives.
Data Bases Operating Systems
IBM DB2, MS SQL Server 2000, Oracle. Additional
information is available on our website and from our sales
representatives.
Additional Information
We would be delighted to get in contact with you: Please
visit our website www.signplus.com and contact our
SOFTPRO sales team. We will be pleased to introduce you
to SignCheck® and to other modules of our signature
verification system SignPlus®. Call us or send us an E-Mail
SOFTPRO offers a wide range of services that allow its
customers to benefit from SOFTPRO‟s experience in
challenging projects throughout the world. Services include
consulting, customization, development and training.
Modular product family for capture,
maintenance and verification of
signatures
Signature Verification in Banks
Reference data base for “single”
signatures and signing rules
Automatic verification of “single”
signatures and signing rules
Automatic verification at the teller and in
the front office
* Including COMBO VERIFICATION: capture and verify static and
dynamic signature characteristics
Various modules allow storage of reference characteristics on either
smart cards or in a data base.
*
Modular system for fraud detection and
prevention in paper based payment
transactions
Company
Profile
Authentication and sealing of electronic
documents and transactions
Software Development Kit for integration
in third party applications
*
*
First Choice for Trustworthy Digitizing of
Handwritten Signatures
Securing Electronic Processes
*
Trademark Notice
The following SOFTPRO products are registered trademarks in the U.S. Patent and Trademark Office or trademarks of SOFTPRO GmbH and/or its affiliates : FraudOne®, SignBase®, SignChip®, SignDoc®, SignInfo®, SignSecure® and SignWare®.
Additionally the SOFTPRO GmbH is holding additional national and international trademark registrations for its products SignCheck®, SignPlus® the product component Sival® and the company name SOFTPRO®.
All other trademarks mentioned in this document are the property of their respective owners.
SOFTPRO is the leading vendor of systems for the verification of handwritten signatures and for fraud prevention in paper based payment transactions, worldwide.
The company‟s portfolio contains solutions for authentic processes and documents. Find out today about our top quality consulting, products and services by contacting one of our sales offices, or visiting www.signature-verification.com