E-SIGNING OF DOCUMENTS
E-signatures are a key component of digital operations – particularly for those companies that intend to use digitalization as a tool for growth and revenue increase – and an essential feature of comprehensive electronic document life cycle management.
InDoc EDGE can help to speed up your digital transformation process and facilitate your corporate compliance. We offer installation consulting services and provide user-friendly, compliant and secure remote signatures as well as signing with digital certificates and digital signing pads at POS terminals.
E-SIGNATURES TAILORED TO YOUR NEEDS AND YOUR CUSTOMERS' EXPECTATIONS
- using a remote signature
- using a digital certificate
- using a digital signing pad
With InDoc EDGE, you can combine various types of e-signatures and provide your customers, partners and employees with an optimal experience of using a digital business solution in the Cloud or on your premises.
This type of signature is a modern and extremely user-friendly method that allows the signer to sign a document on any device or in any browser, without requiring any previous hardware of software installations. The signer's electonic identity is safely stored on a remote device for creating a qualified digital signature and is protected with a powerful multi-factor authentication system. Mikrocop offers remote signature in collaboration with its providers of certified trust services.
Your colleagues and the stakeholders with whom your employees share the documents that need to be signed can securely sign such documents using their (qualified) digital certificates. Users of InDoc EDGE can therefore sign a document in the document management system, and generate a controlled signature by one or more signatories as a process activity from your business processes. The signers will need their own digital signature component and will only be able to sign the document from their PC.
Signature pads can be a welcome alternative to other types of electronic signature if they cannot be used for one reason or another, especially when the physical presence of a customer is required or for less tech-savvy individuals. By using signature pads you can effectively avoid dealing with paper documents without interfering with customers' routines. Your clients will sign documents the way they always have, i.e. by hand, and the system will capture the signature, convert it to digital and add it to the electronic document.
ENSURING COMPLIANCE WITH APPROPRIATE E-SIGNATURES
an assessment of
To ensure the integrity of the signed document, the signer must provide satisfactory identification. The range of available electronic identification means is based on the expected identity authentication assurance levels, which in turn depend on the assessed risk of identity fraud and the risk of irregularities in the identification procedures during signing.
At Mikrocop, we offer advice on risk assessment that considers the process in place, the stakeholders, type of document and user profile. Several risk criteria are used to determine the assurance level, and once this process is completed, the relevant electronic identification means are selected and only appropriate e-signatures are enabled.
BENEFITS OF E-SIGNATURE WITH InDoc EDGE PLATFORM
We take a fully integrated approach to digitalization to deliver operational efficiency,
security and compliance to your business.
We ensure the validity
of your business documents
and facilitate corporate compliance.
We continually invest in
maintaining a high level of security and
in preventing confidential data leakage.
The level of assurance of an electronic identification (eID) determines the level of confidence that a person who shares a certain identity in a process is in fact the person to whom this identity is assigned. The means of electronic identification, e.g. a user profile on a social network or a digital certificate, have different authentication assurance levels.
The eID means differ in the methods used for identity proofing and verification upon the issuance of eID means, the procedure of issuing, delivery and activation of eID means, the methods of management of the means, resilience to security threats, and the number of authentication factors needed to complete the authentication process.
Risk is assessed based on a set of criteria that refer to the consequences of incorrect user authentication, identity fraud or misuse, i.e. the legal consequences, reduction or loss of reputation, economic loss and accountability, impact on our activities and unauthorized disclosure of personal data.
The level of risk depends on the level of loss that might incur in the event of authentication failure or identity fraud and the likelihood of such an event. A higher risk level requires a higher level of assurance for the used electronic identification means.
When assessing the risk, the following criteria should be taken into account as a minimum:
- What are the legal implications of identify fraud or authentication failure?
- Are there any specific statutory requirements in relation to assurance levels?
- Can unauthorized persons access personal data?
- Can identity fraud cause a change in the identification data in data registers?
- What economic loss – direct or indirect – may result from identity fraud or inaccurate identification?
- Can fraud or irregularities affect the personal and legal safety and health of the user?
The selection of criteria can be modified as desirable on the condition that all key factors have been taken into account and that the same criteria are used to assess the risk of all the processes where identification is required.
Normally yes, with the exception of certain documents for which an e-signature is not permitted by way of sectoral legislation. Examples of such documents include bonds, cheques, and bills of exchange...
Biometric measures may only be implemented in the private sector if this is urgently required for the purpose of providing an activity, ensuring the safety of persons or property, or protecting classified information or trade secrets. Prior to the implementation of any biometrics, we need to submit a description of projected biometric measures to the Information Commissioner, along with the grounds for their implementation. Such measures can only be introduced once permission has been received from the Information Commissioner.
What are the key differences between advanced electronic signatures and qualified digital signatures?
A qualified digital signature replaces a handwritten signature, whereas an advanced electronic signature (AdES) does not. Qualified electronic signatures must be used in all processes that require higher levels of assurance (for example, an advanced electronic signature cannot be used in administrative and court proceedings).
Another major difference is the probative value in the event of a dispute. Unlike in the case of a qualified digital signature, the burden of proof is reversed in the case of an advance electronic signature: in the event that the author of a signature is questioned, the burden of proof will rely on whoever claims the signature is authentic.