OTP Bank (largest bank in Hungary), DSK Bank (largest bank in Bulgaria) and the Hungarian Notary Chamber are among our clients. Our banking solution is audited by the National Bank. Our clients signers produced tens of millions of documents, we have 2+ million users. The development of the SignoWise solution was a multi year process involving numerous experts from various fields.

Great question. Any e-signature solution needs certain knowledge and none is good regardless of conditions.

You have two tasks:

1. Contracting legal form. All contracts must be conform to a certain legal form. Most countries have only a few formats. SignoWise produces the written format, which is the broadest format in use for most EU countries.
2. You have to make sure, that you need this format. It is commonly used in banking, healthcare and most other industries. You only have to do this once per contract type, no worries.
3. Identifying your signer. This is your task using paper contracts or any e-signatures, and it is compulsory. Proper identification process is described by the law governing your contract. In general, you have to follow the same process as if you sign a paper contract. If you could do it before, you can still do it.
4. In summary: your document must contain the proper signer data, just like your paper documents do. The legal background of written contracts are the same for physical paper documents and for SignoWise documents.

Identifying the contracting parties is always compulsory part of any contract singing. You have to do in all cases even on paper.

Wait: qualified e-signatures are proving the identity of the signer. Are they better? Well, they do prove the signer's identity, however, you still need to identify your signer. Why? Because you have to check whether the signer is indeed who you want to sign with. It is for example a common real estate fraud, that similary named fraudsters sell someone else's property and run with the money. If you do not check it is your fault and damage.

Same as if she/he would do it on your paper contract: you compliment her/his creativity and ask to sign properly.

Process is very similar to that of a physical paper document. The document, along with other pieces of evidence are handed over to the court. If the judge deems it necessary, the detailed biometric signature data can be decrypted and examined by a forensic expert.

No solution is bulletproof. It depends on the usage. SignoWise is capable to provide better security than paper alternatives if used properly. For example, all Hungarian Notaries are using the solution, that is only possible if it adheres to the strictest standards. However if it is misused, than it is less secure, but that is true for any alternative.

The document is cryptographically sealed right after the signature. That means it cannot be amended in any way. It also contains inseparably the encrypted biometric signature data and a timestamp.

Checking the document integrity can be easily done by many software tools, such as Adobe Acrobat.

The detailed biometric signature data is inseparably added to the document. It is encrypted with a separated encryption key, that is deposited at Microsec Zrt, a qualifyed Trust Service Provider. Accessing the data is logged and can be done only with permission from the client.

Communication is done via secure and ecrypted HTTPS protocol. Both parties are authenticated with specific API tokens.

Of course. Key points:

you have to inform your signing parties of using SignoWise in your data protection policy.

You are the data handler, while Cursor Insight is a data processor.

SignoWise hands the signed document back right after signing is over. The whole session is then deleted along with the original and the final signed document.

SignoWise expects receiving a PDF format document ready to sign, complete with stanrard PDF signature fields. This document is usually provided by company document management system.

The final signed document is handed by cryptographically sealed to the company archiving system.

SignoWise is a complete biometric e-signature solution. It contains the necessary qualifyed timestamp, electronic seal certificate. This enables anyone to check the integrity of the document easily by simple tools, such as Adobe Acrobat.

Basicly you need the following integration points:

1. Sending documents to SignoWise for signature.

2. Initiating the signature for a document.

3. Building a function so that SignoWise can send back the ready document.

For details, please refer to our technical integration guide.