Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry

On the way to a completely electronic workflow, it is necessary to include customer signatures. Legislation in many countries treats electronic signatures similar to handwritten ones. Both are accepted for various purposes such as for finalization of documents, acknowledgement of the document&rs...

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Autores principales:	Wolff-Marting,Vincent, Köhler,Andre, Gruhn,Volker
Lenguaje:	English
Publicado:	Universidad de Talca 2009
Materias:	Electronic Signature Biometrics Insurance Case Study Electronic Workflow
Acceso en línea:	http://www.scielo.cl/scielo.php?script=sci_arttext&pid=S0718-18762009000300007
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spelling	oai:scielo:S0718-187620090003000072018-10-12Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance IndustryWolff-Marting,VincentKöhler,AndreGruhn,Volker Electronic Signature Biometrics Insurance Case Study Electronic Workflow On the way to a completely electronic workflow, it is necessary to include customer signatures. Legislation in many countries treats electronic signatures similar to handwritten ones. Both are accepted for various purposes such as for finalization of documents, acknowledgement of the document’s contents as well as conclusion of agreements. Most important, electronic signatures are accepted as proof of those actions. But customers today often lack knowledge or means to issue them. In this study a business process is described that will produce reliable signatures without the need of previous knowledge or devices on customer side. A threat model for a generic process is described and countermeasures including cryptography, biometric features, tamper-resistant devices, timestamps, signature databases, and others are discussed.info:eu-repo/semantics/openAccessUniversidad de TalcaJournal of theoretical and applied electronic commerce research v.4 n.3 20092009-12-01text/htmlhttp://www.scielo.cl/scielo.php?script=sci_arttext&pid=S0718-18762009000300007en10.4067/S0718-18762009000300007
institution	Scielo Chile
collection	Scielo Chile
language	English
topic	Electronic Signature Biometrics Insurance Case Study Electronic Workflow
spellingShingle	Electronic Signature Biometrics Insurance Case Study Electronic Workflow Wolff-Marting,Vincent Köhler,Andre Gruhn,Volker Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry
description	On the way to a completely electronic workflow, it is necessary to include customer signatures. Legislation in many countries treats electronic signatures similar to handwritten ones. Both are accepted for various purposes such as for finalization of documents, acknowledgement of the document’s contents as well as conclusion of agreements. Most important, electronic signatures are accepted as proof of those actions. But customers today often lack knowledge or means to issue them. In this study a business process is described that will produce reliable signatures without the need of previous knowledge or devices on customer side. A threat model for a generic process is described and countermeasures including cryptography, biometric features, tamper-resistant devices, timestamps, signature databases, and others are discussed.
author	Wolff-Marting,Vincent Köhler,Andre Gruhn,Volker
author_facet	Wolff-Marting,Vincent Köhler,Andre Gruhn,Volker
author_sort	Wolff-Marting,Vincent
title	Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry
title_short	Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry
title_full	Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry
title_fullStr	Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry
title_full_unstemmed	Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry
title_sort	securing electronic customer-signatures in legally binding business processes: a case study from the insurance industry
publisher	Universidad de Talca
publishDate	2009
url	http://www.scielo.cl/scielo.php?script=sci_arttext&pid=S0718-18762009000300007
work_keys_str_mv	AT wolffmartingvincent securingelectroniccustomersignaturesinlegallybindingbusinessprocessesacasestudyfromtheinsuranceindustry AT kohlerandre securingelectroniccustomersignaturesinlegallybindingbusinessprocessesacasestudyfromtheinsuranceindustry AT gruhnvolker securingelectroniccustomersignaturesinlegallybindingbusinessprocessesacasestudyfromtheinsuranceindustry
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Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry

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