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Digital service points
PosAm brings solutions that enable the digitisation of client service points.
PosAm eSign and PosAm dScan significantly accelerate the document processing, eliminate the need for paper, save costs and eliminate the error rate of manual document processing.
Handwritten digitised signature (eSign) and document scanning and authentication (dScan) solutions are complementary technologies that complement each other when serving clients.
PosAm eSign
A handwritten signature is still often used to verify the identity of persons and authorise documents such as contracts, transactions, checks, protocols, and so on. In many cases, the need for a handwritten signature is the only obstacle to the full digitisation of document processing and process automation.
The PosAm eSign solution transforms the traditional process of identity authentication and document signing to meet the requirements of the digital age. It enables reliable authorisation by having the signature device capture not only the graphic form of the signature, but also its physical properties.
Authorisation of persons and signing of documents are two independent operations, so the client can use the technology alternatively for:
- authorisation of persons,
- signing of documents,
- authorisation of persons and signing of documents.
eSign solutions from PosAm
The eSign Proxy solution enables easy deployment of a fine-tuned product based on Namirial technologies and PosAm integration services.
Benefits of digitized signature
The main benefits of digitised signature include the elimination of paper, authentication of individuals, minimal requirements for process change, and the creation of a signed document.
PosAm dSCAN
When serving clients, the standard procedure is to verify their identity on the basis of identification documents (e.g., identity card, passport, driving license). In addition to verifying the conformity between the person submitting the document and the data on the document itself, it is in many cases necessary to verify the authenticity of the document issued.
The PosAm dScan solution enables the operator of the service point to perform the following actions via specialised hardware and software:
- scanning data from the document,
- scanning of the document,
- verification of the authenticity of the document.
Standard dSCAN solutions
Common practices in the document scanning market are the so-called slot readers. They are stand-alone devices or readers connected to keyboards. This solution is commonly used by counter staff (e.g., banks, insurance companies, hotels).
Benefits of scanning and verifying
The main benefits of scanning and verifying identification documents include eliminating manual errors, eliminating paper, eliminating fraud, speeding up the process of verifying people, and requiring minimal process change.
bSign solutions from PosAm
eSign Proxy
The eSign Proxy solution enables easy deployment of a fine-tuned product based on Namirial technologies and PosAm integration services.
eSign Proxy
eSign proxy is a system that can be located in a customer’s infrastructure or in a cloud. The system is integrated with the customer’s systems – Document Management System (DMS) and Customer Relationship Management (CRM) or sales system. The CRM or sales system sends documents that should be signed to eSign Proxy in PDF format. The signature with a handwritten digital signature and its subsequent sealing takes place in eSign Proxy.
The document sealed in this way is sent to the customer’s DMS. Then the document is processed in the same way as a digitised copy of a paper document.
Customer service points
Customer service points are equipped with suitable devices, Namirial signature capturing software and eSign Proxy connectivity. The signature document, which is located in eSign Proxy, is then displayed on the device via a uniquely generated url.
The client enters his or her signature in the document using a suitable device. If there is an Internet connection, the technology also works in the field (e.g., for door-to-door salespeople, etc.).
PosAm is able to implement this solution within two months. If you are interested, PosAm will also supply suitable devices for signing.
eSign Courier
The solution offers the possibility of digital delivery of documents by means of courier services equipped with signature device. The solution is an alternative to delivering paper documents. PosAm is a service provider that ensures the transfer of the document from the customer to the courier. The courier then delivers the document to the client for signature.
PosAm will set up a service for the customer. It will link the eSign Courier system with the customer systems and the customer will then order the delivery service from the courier in the same way as it is done with paper documents.
The eSign Courier solution is built as a service, so it does not require any purchase of infrastructure, licenses or hardware from the customer. After paying the set-up fee, the customer pays only for the delivery of the document, i.e. it only pays for the actual consumption of the service.
The solution is completely multitenant and allows multiple customers to use the same courier. In case of interest, it is possible to customise the signature application to the customer’s brand design.
Standard customer integration into the eSign Courier system takes about one month (the length depends on the degree of integration needed and customisation required).
Benefits of digitized signature
Elimination of paper
The use of PosAm eSign can completely eliminate the need to use printed documents for the purpose of signing them in existing processes. Elimination of paper by using eSign technology and the modification of existing processes will provide the customer with following benefits:
- reducing the costs hitherto associated with printing, transfer, processing and digitising, archiving and shredding paper documents.
- environmentally friendly functioning contributing to long-term sustainability.
- acceleration of processes and time savings in customer service, which leads to higher employee productivity and higher customer satisfaction
Authentication of persons
The use of a biometric handwritten signature represents an additional increase in security in customer service. The authentication of persons used to date, such as an ID card, a visual inspection of a person and his or her signature, can be supplemented by a biometric signature verification technology. In this way, it is possible to eliminate human errors or insufficient qualification of staff in verifying the signature and almost completely eliminate the risks associated with fraudulent behaviour of customers.
With the technologies employed and the use of biometric characteristics of the signature, the automatic validation of the signature against the signature profile is at a qualitatively comparable or even higher level than when assessed by a graphologist. The signature itself can be verified against the specimen signature, whether it is a real-time verification of the person or authentication of the signature in the document.
Minimum requirements for process change
Handwritten digitised signature has little effect on the need to change current processes associated with signing documents. We can simply say that we will only eliminate the need for printing and signing a paper document in the process. Instead of a paper document, the client is presented with its electronic version, while the signature device (signature pad, tablet, suitable mobile device) is used to sign the document. Apart from minimal changes on the customer’s processes, handwritten digital signing is also natural for the clients themselves, as it is an activity that people perform naturally and does not require any increased technical knowledge.
Creating a signed document
When creating electronic documents signed with a handwritten signature, in addition to the graphic interpretation of the signature, its biometric parameters are included into the document and the entire document is subsequently secured against changes/modifications. Anyone, at any time and anywhere, can verify the integrity of the document and, if necessary, it is possible to check the entered signature against the specimen signature. It is still possible to print such an electronic document with an already entered handwritten signature.
Standard dSCAN solutions
MRZ document readers
By simply swiping the document through the slot reader, the employee obtains almost immediately a set of data in the so-called Machine Readable Zone (MRZ) of the documents.
This data is usually subsequently transferred to the CRM system and directly opens the folder of the client whose document was retrieved.
Implementation of the solution is very simple and does not require additional costs.
Document scanners
The document scanner normally allows double-sided scanning of the document. The employee verifying the document is then shown its scanned version. The scanners used in PosAm solutions also enable the document to be scanned through, displaying its security features. OCR functionality is also included, which allows data to be extracted from documents. With this combination, it is also possible to use specialised Acuant software, which can verify the authenticity of the document.
The extracted data from the documents offers the possibility of its additional verification by automated systems and controls (e.g., alert on expiry of the document, verification of the document against the database of stolen documents of the Ministry of Interior of the Slovak Republic, etc.).
The implementation of the standard solution is basically identical to the implementation of readers. In the case of more advanced functionalities and authentication software, delivery depends on the complexity and specific requirements of the customer.
Benefits of scanning and verifying identification documents
Elimination of manual errors
The use of PosAm dScan eliminates the human factor during the transcription of data from a document. Scanned data from the document is also displayed on the operator monitor, making it easier to check and work with the data.
Elimination of paper
Scanning eliminates the need to copy documents or fill out forms. Once a document is scanned, the OCR data obtained from it can be converted into customer systems such as CRM systems by simple integration.
Elimination of fraud
ŠSpecialised hardware and software also allows you to obtain information about security features to verify the authenticity of documents. Customers are thus able to prevent possible damages caused by fraudulent behaviour.
Speeding up the process of authentication of persons
Document scanning takes the order of seconds and eliminates the rewriting of data from the documents by connecting them with customer systems. In some cases, the use of this technology makes it also possible to provide self-service methods of client authentication.
Minimum requirements for process change
Minimal process change is required when implementing authentication technology. The technology enables the customer to digitise both the necessary information from documents and subsequent work with the data (e.g., entering into the necessary systems of the customer) in the same manner as before, but much more efficiently.