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CECABANK Digitalized Signature Project May 2014 v2
Transcript of CECABANK Digitalized Signature Project May 2014 v2
Secure Digital Documents?
A reality in Spanish Banks
(only) 5% of all transactions are done using Internet Banking, >90% of them are just transfers
Our clients STILL want to go to Branches for a face to face interaction when involving a Transaction, a contract or investments.
2.- The Goals
SIMPLE: The client signs on a Signature Pad instead on the paper, or uses any digital id (PKI, EMV…) to sign…
We are not only talking about just capturing an image and Biometrics of the signature:
TECHNICAL SECURITY ANALYSIS
Digital pads market deep analysis
3.- The Project
Full acceptance by clients, from young techies to old people. Full support by employees.
12 Banks (formerly 45)
45% Spanish Financial Sector
> 16.000 Branches
> 92.000 Employees
1 Billion documents !!
. Many Thanks for your attention .
Why not Online Banking or e-ID?
Online Biometric validation of clients without enrollment processes based in biometric hash
and biometric validate (online)
time and sequence
real location & device
text, clicks, signatures
not a scanned copy
from everywhere, instant !
MASIVE REPORTS ...
TOTAL Savings > 40 € Million / Year
Payback < 9 months
37 "legal incidents" solved out-of-the-court. 3 Trials
One fraud case: A REAL LEGAL EXPERIENCE
Real case of fraud in a Branch reported by a client
Two Authentic signatures
Two forged signatures
A real signature Vs. a forgery
An investment fund is reimbursed and cash is withdrawn over the counter.
Client reports that he never ordered neither the reimbursement nor the cash withdrawal.
The Judge called the evidence of
biometric testing & validation
. CECA acts as Trusted third party.
In Court ...
After decrypting, checking the integrity, and validity of all the signatures...
The expert (forensic handwriting expert) had the usual means to do his job and
did not reject
the signatures because of its digital & biometric nature...
The expert asked for the playback ("video") of the signatures:
Accepted by the judge and the parties as documentary evidence
2009 - 2010
No Spanish Law framework
No Bank Of Spain Regulations
Still no Legal framework in Spain
European Transparency Directive 2012
Every 3 years we certify 100% of source code and security architecture:
4.- The Branch Of The Future:
Project Figures: 2013
Valid & Reliable
A reality in Barcelona-Spain
+5000 Windows 8 Tablets +350 Million transactions +12 Million contracts
"Everything should be made as simple as possible, ... but not simpler"
Needs to be signed for Compliance
Mobility + Signature Biometrics
Enable a new branch concept