Solutions for Banking

White Paper

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
White Paper

Enhance your existing Infrastructure

… with all functionalities for a totally paperless process

Swipe Scan Data Capture Signature Capture

Driver’s license/credit card Using a soft keyboard Using a signature pad, tablet PC, etc.

Convert & Seal Email & Store Verify Document

Convert any document Send documents via email Verify signed and sealed documents
to PDF and seal it Store and retrieve documents

Attach Document Validate Signature Click2Sign

Attach scanned passport, driver’s Signature is compared to biometric or static Sign any document using a PIN
license or any other document profile in real time (once or in batch mode) sent by text message or email
Solutions for Banking
White Paper

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
White Paper

Typical Architecture
POS DC (DMC) Internet

http(s)
https
USB
Banking Software DMS

POS PC Cusomer PC

Signature Tablet
e.g. STU-500 SIGNificant Server
+WSI

SIGNificant
Biometric server

Banking Software Banking Software

In the web browser (IE, verify.company.com
Firefox) running on any browser

SIGNificant Server
COM (sign,HTML2PDF,email, WS)
Any email client to
SIGNificant SIGNificant Server Kernel receive documents +
Tablet Manager (sign, verify) Acrobat Reader to view

SIGNificant
Biometric Server
(Enroll profile, authenticate)

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:
Solutions for Banking
White Paper

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.
Solutions for Banking
White Paper

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