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CECABANK Digitalized Signature Project May 2014 v2

General overview of CECA´s Digitalized Signature System, project milestones and benefits of the solution - AUS
by

Santiago Uriel Arias

on 21 May 2014

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Transcript of CECABANK Digitalized Signature Project May 2014 v2

No more paper?
Secure Digital Documents?
A reality in Spanish Banks

1.- Framework
(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
SFD platform
2008
employee interface
Customer interface
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 !!
Channels
International Awards
. Many Thanks for your attention .
Why not Online Banking or e-ID?
Native
Digital Documents
Online Biometric validation of clients without enrollment processes based in biometric hash
WHO...
and biometric validate (online)
WHEN ...
time and sequence
WHERE ...
real location & device
WHAT ...
text, clicks, signatures
ORIGINAL ...
not a scanned copy
ACCESS ...
from everywhere, instant !
MASIVE REPORTS ...
not samples
AGILITY ...
speedup processes
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
LEGAL FRAMEWORK
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An investment fund is reimbursed and cash is withdrawn over the counter.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
2012
European Transparency Directive 2012
Every 3 years we certify 100% of source code and security architecture:
4.- The Branch Of The Future:
TODAY
Project Figures: 2013
2014
Conclusions
Identify
Declare
Prove
Identify
Autenticate
Unalterable
Not Reusable
NonRepudiable
Non Forgeable
Valid & Reliable
Simple
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"

Albert Einstein.
Needs to be signed for Compliance
Mobility + Signature Biometrics
Enable a new branch concept
Full transcript