Solutions for Banking

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xyzmo SIGNificant for Banking In today’s economic climate it is essential to improve operational efficiency and seek cost-cutting measures. On the other hand, the customer forms the core of all financial and banking transactions; therefore, having a competitive advantage in customer experience is key to getting more business. By embedding xyzmo SIGNificant’s signature solutions, financial institutions add digital signature capabilities to their existing infrastructure, closing the gap in the quest to go fully paperless by completely eliminating the need to print documents for signing. With xyzmo, a captured electronic signature is much more than just an electronic image. xyzmo records a person’s handwritten signature by measuring pressure, acceleration, speed and rhythm. These parameters are unique to every individual and cannot easily be reproduced by a forger. Once a signature (including all the biometric parameters) has been embedded into a document, it is turned into a signed and sealed PDF.

Benefits of using xyzmo’s technology:

A perfect fit for various financial procedures, such as opening an account, withdrawals, loan origination, issuing policies, signing application forms and authorizing transactions

xyzmo SIGNificant’s solutions enable a real-time signature comparison to replace old-fashioned “signature cards”

Easily accepted by your customers and very similar to the current paper-based process

Convenient and easy to integrate into existing IT environments

Offers your company the benefits of a secure electronic environment

Money-saving solution – guaranteed ROI within 12 months.

Solutions for Banking

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Swipe Scan Driver’s license/credit card

Data Capture Using a soft keyboard

Signature Capture Using a signature pad, tablet PC, etc.

Convert & Seal Convert any document

to PDF and seal it

Email & Store Send documents via email

Store and retrieve documents

Verify Document Verify signed and sealed documents

Attach Document Attach scanned passport, driver’s

license or any other document

Click2Sign Sign any document using a PIN

sent by text message or email

Validate Signature Signature is compared to biometric or static profile in real time (once or in batch mode)

Enhance your existing Infrastructure … with all functionalities for a totally paperless process

Solutions for Banking

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Digital Signature Platform Overview

Handwritten Signature Capturing – Our captured electronic signature is much

more than just an electronic image. We record the handwritten signature of a

person using parameters of pressure, acceleration, speed and rhythm.

Comparison of Signatures – xyzmo’s top-notch version of the SIGNificant

Biometric Server features a new generation of signature comparison capabilities,

enabling the real-time biometric verification of a person’s signature against the

SIGNificant platform by comparing the recorded parameters of their handwritten

signatures with their pre-enrolled biometric or static profile. Therefore, documents

are only processed if their signatures have been authenticated.

Option for an Inking Pen Solution – The SIGNificant Inking Pen Solution allows

the signature to appear on paper at the same time as the signature is captured

electronically. This capability is relevant when there is a need to capture and

record a handwritten signature both digitally and physically, such as in countries or

sectors where electronic signatures are not yet legally binding and require a

physical archive of signed documents.

Signing with Certificates – Beyond the ability to capture a handwritten signature

by using a broad range of signature-capture devices from various manufacturers,

smart-cards, tokens and software certificates are also supported by our solutions.

Using Click2Sign for Web Transactions – SIGNificant Click2Sign for web-based

e-transactions offers various ways to identify a signatory over the web; from a

simple “I agree” checkbox to a sophisticated challenge/response protocol using

different channels (SMS, email etc.).

Document Attachment – With the SIGNificant solutions, it is possible to attach

any document: for example, a scanned passport, scanned driver’s license or any

other original document.

Server- or Client-Based Solution – SIGNificant solutions can be based either on

a server or on a client, depending on the requirements. The SIGNificant Server

enables signature processing from multiple disparate or interconnected business

processes to support signing and verifying within a consistent technology platform.

The SIGNificant Client is especially suited to professionals whose working

conditions do not include online connectivity on a regular basis, or those who wish

to work offline/locally.

Solutions for Banking

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Typical Architecture

Completely Signature Pad-Independent

SIGNificant is a device-independent solution, meaning that it enables the use of a broad

range of signature-capturing devices from various manufacturers. As some companies

require basic signature pads, while others require more advanced devices, a signature

pad-independent solution offers the necessary flexibility and leads to improved

satisfaction rates due to the fact that each customer, integrating this solution, can

choose the signature pad that best fits their needs.

Examples are:

POS PC

Signature Tablet

e.g. STU-500

Banking Software

http(s)

USB

Banking Software

In the web browser (IE,

Firefox)

SIGNificant

Tablet Manager

COM

Banking Software

SIGNificant Server Kernel

(sign, verify)

SIGNificant Server

(sign,HTML2PDF,email, WS)

Cusomer PC

https

POS DC (DMC) Internet

DMS

SIGNificant Server

+WSI

SIGNificant

Biometric Server

(Enroll profile, authenticate)

SIGNificant

Biometric server

verify.company.com

running on any browser

Any email client to

receive documents +

Acrobat Reader to view

Solutions for Banking

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Comparison of Signatures -

The SIGNificant Server Web Signing Interface and

SIGNificant Client record the handwritten signature of

a person (including measurements of parameters of

pressure, acceleration, speed, rhythm and movements

in the air) and embed the signature into an electronic

document.

The SIGNificant Biometric Server takes this ability one step further, enabling real-time

biometric verification of a signature with the SIGNificant platform by comparison of the

recorded parameters of the handwritten signatures against either the biometric or static

part of the profile in real time. Documents are only processed if their signers are

authenticated, and companies can prove who signed what document and when.

Features

Dynamic Signature Verification – The system utilizes distinctive aspects of the

handwritten signature such as rhythm, speed, pressure, acceleration and

movement by measuring the physical activity of signing.

High-Security Concept – The system provides secure storage and

communication of captured biometric signatures.

Automatic Detection of Variations – The server automatically detects

variations between signatures to make the personal profile as secure as possible.

While some users sign in a very consistent way, others display a greater variance

between signatures; the system recognizes and records this variance to calibrate

the profile for future authentications.

Versatile Threshold Factor – The authentication process is flexible and

provides a varying authentication process for different environments, thereby

allowing organizations to easily adjust the balance between customer acceptance

and security.

Clear, Fast Verification Results – The verification is performed in a transparent

manner. The server compares the signature to the updated personal profile in the

database and accepts or rejects the entry within milliseconds.

Constant Profile Enriching – A dynamic mechanism recognizes the fluctuation

rate in each of the signature parameters in real time, thus furnishing the

authentication engine with additional parameters and enhancing the profile every

time a signature is authenticated.

Audit Trail – A detailed history of users’ security-related actions (enrollment, signature verification, suspension of signature profiles) is recorded.

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About xyzmo SIGNificant

xyzmo's next-generation, e-signature suite adds digital signature capabilities to your

existing infrastructure, closing the gap in achieving a fully paperless process by

completely eliminating the need to print documents for signing. Speed up your

processes with a solution that offers a fast, complete and secure way to process all of

your transactions electronically so you can reduce costs and accelerate your business.

xyzmo is the worldʼs most complete, open and signature pad-independent electronic

signature software company. Thanks to our signature solutions, stamping and signing

remain as easy as ever, but are performed directly in the electronic document and can

be integrated with any existing application or document workflow procedures. xyzmo

SIGNificant is a private company based in Ansfelden, Austria, with international offices in

the United States and Germany.

To learn more about xyzmo-SIGNificant’s solutions, please visit: www.xyzmo.com