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xyzmo SIGNificant

Overview

SIGNificant Digital Signature Solutions


Every day, businesses throw away hard-earned income by printing, copying, faxing, sending, scanning, shredding and storing documents that require a signature. With xyzmos next-generation e-signature suite it is very easy to add 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. The xyzmo platform supports multiple methods of digital signing including electronic signature capture, smart-cards and Click-to-Sign.

Completely Signature Pad-Independent


SIGNificant is a device-independent solution, meaning that it enables the use of a broad range of signature-capturing devices, smartphones and tablets 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:

xyzmo SIGNificant

Overview
Enhance your existing Infrastructure

with all functionalities for a totally paperless process

Drivers license/credit card

Swipe Scan

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 Validate Signature


Attach scanned passport, drivers license or any other document Signature is compared to biometric or static profile in real time (once or in batch mode)

Click2Sign
Sign any document using a PIN sent by text message or email

xyzmo SIGNificant

Overview
Benefits of using xyzmos technology:
As Easy as Signing on Paper Signing an electronic document with xyzmo SIGNificants solutions is as easy as a pen-and-paper signature. Simply Click-toSign and use the digital pen to sign with any handwritten signature. Your signature will immediately appear on the document. 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, speed and rhythm. These parameters are unique to every individual and cannot be easily reproduced by a forger. Fully Secured Document Once a signature including all the biometric parameters has been embedded into a document it is turned into a signed and sealed PDF. Seamless Integration with Existing Processes xyzmo solutions are highly flexible, enabling easy integration into any existing DMS, ERP, CRM, archiving or other legacy systems, using the extensive SIGNificant API. Comparison of Signatures xyzmos top-notch version of the SIGNificant Biometric Server features a new generation of signature comparison capabilities, enabling the performance of real-time biometric verification of a persons signature to the SIGNificant platform by comparing the recorded parameters of his or her handwritten signature against the pre-enrolled profile. Verifiable by Anyone, Anywhere The signed document, along with the signature graphics and data generated with xyzmo solutions, can be viewed and verified by anyone with Adobe Reader or via a verification webpage. Completely Signature Pad Independent Our solution is a device-independent solution, meaning it enables the use of a broad range of signature capturing devices from various manufacturers. Document Attachment With the SIGNificant solutions any document, such as a scanned passport, scanned drivers license or any other native MS-Office document, can be attached. Server or Client Based Solution SIGNificant solutions can be based either on a Server or on a Client, depending on the requirements. On Paper and Electronically The SIGNificant Inking Pen Solution enables the appearance of the signature on paper at the same time 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 accepted. Signing with Certificates Beyond the possibility of capturing a handwritten signature by using a broad range of signature capturing devices from various manufacturers, smart-cards, tokens and software certificates are also supported.

xyzmo SIGNificant

Overview
Product Overview
SIGNificant Server
Thanks to the SIGNificant Server, it is very easy and convenient to enhance an existing infrastructure with all the necessary functionalities to support a totally paperless process. Thus signature processes from multiple disparate or interconnected business processes support signing and verifying with a consistent technology platform provided within a service-oriented architecture. Beyond the possibility of capturing a handwritten signature using a broad range of capturing devices from various manufacturers, smartcards, tokens, and software certificates are also supported. Given the high scalability of the SIGNificant Server, millions of electronic signatures can be generated automatically and verified every hour in mass signature processes, enabling companies to realize a TRULY paperless environment. Companies can verify all incoming electronically signed documents and use handwritten signatures, smartcards, or software certificates for the approval processes. Additional data to complete a form can be provided simply by scanning or swiping a credit card or drivers license, or via a soft keyboard displayed on the signature pad. All documents can be converted into secure PDF files or protected XML files. And last but not least, companies can launch a verification service for use by their external partners, who can verify if a received document is the original with a single mouse click. Features: High scalability of the server means that millions of signatures can be generated and verified every hour. Electronic documents and files invoices, contracts, orders, emails, and more can be converted into secure PDF files and protected XML files. The web-client interface (SIGNificant Server Web Signing Interface) allows for both handwritten signatures and digital stamps. SIGNificant Server supports many different signature tablets from different manufacturers to accommodate specific sets of customer requirements, including different needs in terms of tablet size, cost, paper trail, or LCD features. SIGNificant Server supports Click-to-Sign via challenge/response (SMS Validation). Biometric engine (SIGNificant Biometric Server) compares online signatures with stored profiles. The system supports any digital signature format for sealing and verification. The system is open to third-party integration through a xyzmo SIGNificant

xyzmo SIGNificant

Overview
framework. SIGNificant server can be fully integrated with existing business applications and deployed quickly and cost-effectively across all sales and service channels. The system caters to every need, from versions for SMEs to enterprise-level solutions for large corporations.

SIGNificant Server Web Signing Interface


The SIGNificant Server Web Signing Interface is an outof-the-box web interface extension of the SIGNificant Server. It makes signing and sealing of electronic documents via a web browser as easy as signing a piece of paper. The integration with the existing infrastructure is very easy and convenient. Documents can be converted into forgery-proof PDF files, displayed in the predefined web interface, and signed using a broad range of signaturecapturing devices from various manufacturers. The system is accessed through the applications Print command or via a web service call.

xyzmo SIGNificant

Overview
SIGNificant Client Desktop Application
The SIGNificant Client enables signing and sealing electronic documents using a broad range of signaturecapturing devices from various manufacturers, in addition to smartcards, tokens, and software certificates. The SIGNificant Client is especially suited to professionals whose working conditions dont include online connectivity on a regular basis, or for those who wish to work offline. The SIGNificant Suite creates an environment that allows document exchange between the SIGNificant Client and the web interface of the SIGNificant Server; thus, the signing process can start with one tool and continue with the other, depending on the working conditions.

Simply Sign:
In order to sign a PDF document, simply open it in the SIGNificant Client and either sign immediately or design the document according to your needs, before having it signed. Next, apply your handwritten biometric signature using a signature tablet. The biometric data associated with your signature dynamics are embedded in the document together with a digital signature. Or, alternatively, Seal documents with a customizable seal imprint and verify documents with a single mouse click! Use either a companywide default certificate or a personal certificate located on a smartcard, e-token, or any certificate store to create a digital signature.

The document is now signed and sealed against future modifications and can be viewed and verified by any external user in the free Adobe Reader. The signed document can be stored on your local computer and uploaded to the companys server at a later stage.

xyzmo SIGNificant

Overview
Features of SIGNificant Client
On-the-Fly Signing and Document Design The user can choose to sign a document instantly or define signers and signature fields according to his or her needs. This capability is extremely useful for last-minute modifications. Template Recognition The SIGNificant Client recognizes existing signature field indications on predefined templates automatically and assigns signers and signature fields accordingly. Biometric Signature Authentication When the Authenticate box is checked, the signature is compared with the enrolled signature profile stored on the SIGNificant Biometric Server. The biometric data is also embedded into the document for future analysis in case of a dispute. Easy Navigation The signers tree displays the signers and signature fields defined for the current document, enabling easy navigation between these fields. Scanning and Attachments Attach any document to a signed file, including a scanned drivers license or passport, or any native MS Office document. Scanning can be easily initiated from within the client. Forward to Next Signer Easily e-mail the signed document to the next signer. PDF Conversion The SIGNificant Offline Client is equipped with a PDF printer, enabling conversion of any printable content to PDF format. Versatile Signing Methods Using the SIGNificant Client, documents can be signed with either a handwritten signature or a personal certificate. Multiple Signatures per Document A document requiring multiple signatures can be signed by different users, just as a paper document can be. Verifiable by Anyone, Anywhere The signed document along with the signature graphics and data can be viewed and verified by anyone using the built-in verification service or Adobe Reader. Skinning The user interface can be adapted and matched to your corporate identity. Every element of the user interface can be easily modified. Freehand and Text Annotations Add freehand and text annotations to the document from within the client. PDF Form Filling Fill out PDF forms before signing, from within the client.

xyzmo SIGNificant

Overview
SIGNificant Biometric Server
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 movement 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 to the SIGNificant platform by comparison of the recorded parameters of the handwritten signature against the pre-enrolled profile. The possibility of a detailed protocol for each signature-relevant action makes it a total solution; documents are only processed if their signers are authenticated and companies can prove who signed which 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. Versatile Threshold Factor The authentication process is flexible, enabling a varying authentication process for different environments, 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 enables 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 nourishing the authentication engine with added parameters and enhancing the profile every time a signature is authenticated. Audit Trail Detailed protocol of users security-relevant actions (enrolment, signature verification, suspension of signature profiles) is recorded.

xyzmo SIGNificant

Overview
SIGNificant Click2Sign
SIGNificant Click2Sign offers various ways of identifying signers, as well as keeping the audit trail with the signed document, which makes these documents legally binding.

From a simple I agree checkbox to a sophisticated challenge/response protocol using different channels: PIN by SMS The most sophisticated identification method is the PIN-by-SMS functionality. The user signs on the web using a PIN code that has been sent to a user-specified cell number. Click2Sign logs all the steps, from the sending of the PIN code to the entry of the PIN into the website, into an embedded audit trail, assuring that the signer is the holder of the specified cell number. This method is used today by wireless providers who know their customers cell numbers.

xyzmo SIGNificant

Overview
PIN by Email The PIN-by-email method works the same way as PIN by SMS, except that the PIN is delivered to an email account rather than a cell number. This method is useful if email addresses are known upfront. Click2Sign provides a configurable blacklist for email domains, so known SPAM domains can be avoided. Sign by Name The user signs by entering his name instead of a PIN. Optionally, the name can be provided to the authentication system by a backend system for comparison. The audit trail will show what the user entered and from where. Sign by Click The user signs by clicking an I agree checkbox. The audit trail will show when the user clicked I agree and from where. External audit trail The system can accept and integrate external audit trail data into the audit logs. For example, a calling application could first authenticate users by having them enter their credit card information and provide the response from the clearinghouse to Click2Sign, thus consolidating the audit trail.

xyzmo SIGNificant

Overview
SIGNificant Inking Pen

Sometimes, the digital signature alone is not enough. When a handwritten signature must be captured in both venues digitally and physically SIGNificants inking pen offers an efficient, convenient solution. The SIGNificant inking pen enables the electronic capture of the signature as it is written on paper. Although one of the main benefits of adopting electronic signature solutions is going paperless, there are cases in which the use of paper is inevitable for instance, when the customer requires a printed receipt. In this case, the customer takes the signed hardcopy and the company retains the electronic copy. The inking pen is also a valuable tool in countries or sectors where electronic signatures are not yet legally binding and a physical archive of signed documents is still required. The inking pen may also be useful when a fully paperless process is not yet accepted by users. Although they dont fully eliminate paper processes, SIGNificant inking pen solutions still offer many of the other benefits of electronic signatures. These include improved document security, as the biometric signature traits unique to each persons signature are collected with the electronic signature, enabling the use of the SIGNificant Biometric Servers real-time verification processes. In addition, the electronic document allows for a streamlined business process, as the electronic version becomes immediately available for real-time decision making or electronic archiving. Finally, the inking pen could be a first step toward the full elimination of paper, as it is fairly easy to advance to a completely paperless solution as circumstances change and acceptance grows.

xyzmo SIGNificant

Overview
SIGNificant 4 Smartphones & Tablets
xyzmo SIGNificant is a device-independent solution, meaning that it enables the use of a broad range of signature-capturing devices from various manufacturers. xyzmo is now extending these possibilities one step further by supporting smartphones and tablets based on Android and Apple iOS technology. This enables customers to use these devices instead of, or in combination with, signature pads, with all the advantages of the xyzmo platform, including the signature comparison.

Benefits of using xyzmos technology via smartphones and tablets: Enables the signing of a document displayed in the browser via a smartphone nearly everywhere: sign anywhere, at any time Smartphones are becoming standard equipment, so sales agents, customers, service personal etc. either have them already or will get them in the future. They can thus be utilized to capture signatures without the need for an additional signature pad. Enables real-time signature comparison: depending on the capturing quality of the device, the false acceptance/rejection rates might be slightly poorer than signature pads, but they are still much better than any traditional comparison. Can be combined with traditional signature pads. This includes that a persons profile can be set up with a signature pad, and then signatures captured via smartphone can be compared with this profile later on and vice versa.

xyzmo SIGNificant

Overview

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 one of the worlds most complete, open and signature pad-independent electronic signature software companies. 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 SIGNificants solutions, please visit: http://www.xyzmo.com/

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