In working with insurance companies that are taking their business processes on line for better origination and servicing, nothing is more important than nailing the application process down in such a way that anyone who wants to buy insurance can get started and complete their application as quickly and seamlessly as possible. The best way to make that happen is a single online session that starts the process in real-time and doesn’t bog down for printing, mailing followed by receiving, manual workflow processing, scanning and callbacks for errors or missing data.

Of course there are other benefits to taking application process and completing it online. An applicant, online the carrier or selling agent has also done their part in going Green by eliminating  the need to print, fax, ship, and store paper. Not only helping the environment but saving money by reducing storage and operating costs incurred through paper based systems. However an equally important, and often hidden, issue for the carrier and agents are all of the potential applicants who opted out of a paper driven process because it was too cumbersome, slow, or those that intended to complete the paper form but never got around to it. These potential customers either never generate revenue or will generate revenue for a company whose online processes are more customer friendly.

So how can eOriginal’s SmartSign Web help insurance providers to streamline their processes?

• Enable customers to electronically sign the application with an online web application
• Manage all workflow, routing, and vaulting procedures of the application process through SmartSign Web’s customization options.
• Reduce your organizations dependency on paper, saving you time and money.
• Reduce errors and incomplete documents greatly reducing any NIGO applications.
• HIPAA and ACORD compliant security and data management
• Bind voice signatures to applications for faster processing and payment authorization.
• Increase revenue by allowing your customers to quickly review, eSign, and receive a copy of their policy and additional forms.

To learn more about how we may be able to streamline your processes please contact me directly at 410-625-5147 or just us a question in the comments and I’ll be sure to promptly respond.

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Most people think a digital signature is the application of an electronic representation of a signature to a document. In fact, a digital signature involves a formal process of utilizing a digital certificate issued by a Certificate Authority (e.g. VeriSign, GoDaddy, Comodo) that uses public key cryptography to create a unique representation of a message or document.  SmartSign incorporates both electronic signatures and digital signatures to simplify the capture across multiple channels such as web, mobile, point of sale, and others.

While capturing and applying a digital signature to a document is an important aspect of approvals, authorizations, and originations, it is just the start of your electronic document’s life cycle.  The entire business workflow for the signature process, including prepping your documents for signature, sending them out to your signer(s), and capturing the required signatures and data is the crux of eOriginal SmartSign®. SmartSign ensures your organization can easily and rapidly conform to the UETA and ESIGN legislation to make all of your electronic signing processes legal and secure.

Using SmartSign your documents are encrypted and tamper sealed within the trusted repository to maintain, legal admissibility and enforceability throughout the documents lifecycle.

Signing Using Adobe® Signature Format

Documents signed with SmartSign – whether using the web interface or submitted via our web services – are guaranteed to conform to the signature format supported by Adobe Acrobat®. Signatures are inserted into the exact location within the PDF document and bound to the content using a digital signature. The digital signature is generated using a certificate unique to your organization. The documents are automatically encrypted and deposited in the trusted repository.

Signing Using Multimedia Signatures

eOriginal SmartSign® extends the Adobe Signature Format to include the use of multimedia signatures.  Now you can extend the signature capture experience beyond the web, to capture a users’ approval or consent using a fingerprint device or voice recording. SmartSign securely binds the multimedia signature to the content of any agreement, and can automatically detect any change to the source document or multimedia file.

Multimedia signature support is actually an extension of our current visual signature representations and can be used together with any other signature appearance supported by SmartSign.  The multimedia signature information is also securely stored and encrypted within the integrated trusted repository.

Retrieving And Verifying Signature Information

eOriginal allows your authorized users to obtain detailed information about each signature applied to a document without retrieving the document itself, from any location at any time. Signature information can be retrieved through the published web services, using the eCore Command Center web application, or attached to an automated email notification.

The available digital signature information includes: the name of the exact signature location, the time the signature was applied, the signer’s reason for signing, location/IP address of the signer, the Certificate Authority that issued the signature’s certificate, along with any raw multimedia data stored with the signature.

Business System Digitial Signature Checking

All documents signed using the SmartSign signature process are passed through a rigorous verification process prior to deposit in the trusted repository. When a document is presented to the repository it must pass through our multi-step signature verification and validation process. This process includes the following steps:

• There must be at least one digital signature present within the document.
• The digital signature is verified against the content of the document, to ensure none of the content has been altered since the signature was applied.
• If there are multiple signatures applied to the document, the most recent signature much match the content of the previously stored document revision.
• The digital certificate used to sign the document must be within the certificate’s validity period at the time of acceptance within the trusted repository.
• The certificate will be verified as valid against the issuing Certificate Authority’s revocation list.
• Only after passing this verification process, will the document be tamper sealed and deposited into the trusted repository.

The steps and processes outlined above make eOriginal’s end-to-end electronic signature solution the most robust and secure solution on the market, customizable to fit almost any business need and workflow process. Please feel free to contact us with any questions or leave a few comments.

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