rp_xyzmo_ipad_1200_627_transparent-300x156.pngMaximising the value of digital transformation is important in most industries—and critical for survival against competition for some. Organizations that sell virtual rather than physical products, especially, have a cost base that is largely focused on processing and servicing, which makes such organizations highly sensitive to digital transformation. For these, there needs to be a concerted focus on automating core activities to boost self-service and “straight through” transaction processing.

With online e-signing it’s easy to complete a business process and to get documents signed on any device without having to meet the recipient in-person. Simply send documents out for signature to other people, get instant visibility into your document status, access completed documents, and much more. Whether you or your recipients are in the office, at home, or on the go, online e-signing works every time from every device.

If you send documents out for signature, the recipient gets an email with a link to your document and can sign on a smartphone, tablet, or any web/HTML5-enabled device without the need to download anything. You can have multiple signers and get them to sign in the order you need. E-signatures don’t just let you reach customers on the devices they most commonly use; they also let you create compliance and comfortable engagement. E-signature solutions allow you to build in markers (tags) and metadata about documents that can help consumers understand what they are signing and what fields they have to fill out. To eliminate human error, electronic documents can also include auto-check tools that identify common mistakes. All these functions together add up to a better customer experience.

This series of posts will help you to understand what a remote online e-signing solution needs to provide. With an emphasis on why the last mile to the signer needs to be closely managed and what this includes, it will help you to select the most appropriate methodologies for authenticating a remote signer. Then we will discuss the most fitting use for each signing technology—biometric, HTML5, or certificate-based signing—and why this is, depending on the actual use case. There you will see that e-signing is about more than simply signing digital documents — it’s about optimizing productivity. Finally, we also illustrate the end-to-end business process that a real-customer (The Phone House) has implemented.

1         Typical Functionalities

Online signing solutions typically consist of the following three basic functionalities:

  • Preparing and sending
  • Signing
  • Managing

Each task has certain typical steps, as outlined below.

1.1        Preparing and sending

  • Start a new “envelope” (a container used to send one or more documents for signature)
  • Add documents (and other content types)
  • Add recipients
  • If you are uploading a PDF document with form fields, the fields are automatically detected
  • Place tags/markers in the document for signatures, attachments and other information
  • Add your subject and email message
  • Set recipient options, reminders, expirations, and more
  • Send the envelope/document for signature.

1.2        Signing

  • Signers receive an email with a link to the document
  • They click the link
  • There is typically no need to download or sign up for anything
  • They may have to further authenticate themselves
  • They can review and print the document or complete form fields and add attachments
  • Whenever they are ready, they sign using a mouse or stylus by hand (on their smartphone, tablet, PC, etc.), or they “Click to sign” or “Type to sign” from any web-enabled device.

1.3        Managing

  • Typically, you will have implemented a dashboard to check the status of your documents. This way you always know where your document is in the signing process. You can set reminders and be notified at each step of the process.
  • Further, you can manage internal users and adjust branding by Business Line or Use Case if required.

Preparing, sending, and managing are discussed in more detail in section 2—“Managing the Last Mile.” What needs to be done to actually sign a document that is distributed via the web is then discussed in detail in the following sections, which also describe the two main steps in this process:

  • User (signer) authentication (see Section 3)
  • Signature execution (see Section 4).

… read more next week.

SIGNificant Signature Capture

The new app provides consumers and professionals with a simple way to sign and return PDF documents legally without being tied to the office. Prepare documents for signature and complete in-person signing. The app is based on open PDF standards and true digital signatures. You don’t need to be a SIGNificant customer or visit our website to check the validity of documents.

Key Features of
SIGNificant Signature Capture:

  • Natural signing experience like a pen on paper — When signing on the screen the signature is displayed accurately without any delay, like signing with a pen on paper. The app fully supports Android-powered tablets equipped with an active stylus pen (e.g., Samsung Galaxy Note, Asus Fonepad Note 6, Lenovo ThinkPad Tablet, HTC Jetstream and HTC Flyer).
  • Offline support – The app works fully offline, enabling you to complete the data capture and signing process without any internet connectivity. 
  • Forensically identifiable signatures – SIGNificant records the signature of a person using all available parameters, such as acceleration, speed and rhythm. If there is a dispute about a captured signature, an expert tool is available to analyze the biometric characteristics of the signature forensically. 
  • Form filling – You can fill out PDF forms.
  • Add attachments – Add scans of your driving license, passport or any other file. If your tablet has a camera, you are able to attach a current photo.
  • Typewriter – You can enter text anywhere on a PDF document.
  • Browse through multi page documents – Browse and review multipage documents before you sign them. This is especially useful for field agents needing to get documents signed in person, in real time, since they can present the document on a tablet to the client.
  • Spectator mode – You can lock documents with a password or pattern and give your device to another person in view-only mode.
  • Document binding – When a signature, including all these biometric parameters, is captured locally on the device, it is safely embedded using asynchronous public key encryption into and uniquely bound to the target PDF document. Copy-and-paste attacks can thus be easily detected.
  • Email support – After e-signing, you can email your document back directly from the app.
  • Support for cloud storage – SIGNificant utilizes the “Open” functionality to allow you to open a document from most other applications that have documents and contracts in them – including your inbox, Dropbox, Evernote, Box (.net) and others – and sign them via SIGNificant on the go. When you are finished, you can store and share documents via your cloud storage.
  • PDFs are compatible with Adobe Acrobat – The documents created are compatible with Adobe Acrobat, so they can be viewed by any standard PDF viewer. PDF documents are sealed with a digital signature compliant with the ISO standards for PDFs. Thus, the validity of a digital signature can be validated with Adobe Reader and many other PDF viewers.
  • Customization/SDK – Enterprises can utilize the xyzmo infrastructure and launch their own e–signature applications, as well as integrate the functionality of SIGNificant into their own apps (the apps are also available in the SDK).

Download SIGNificant Signature Capture (Basic Version)
https://play.google.com/store/apps/details?id=com.xyzmo.signature.standalone

Note: For enterprise customers xyzmo still provides in addition a server-based app called SIGNificant E-Signing Client.

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