Signature Fraud Detection

When making important decisions, many people still prefer signing documents in person to prove their consent. But doing so using traditional pen and paper is inefficient and expensive. WILL™ 3.0-powered digital ink applications give developers the opportunity digitize the in-person, handwritten signing process. Specifically, these apps can enable people to add biometrically accurate signatures to electronic documents - and have them verified in real time.


Signatures that hold up in court

The WILL™ 3.0 SDK for signature stores raw pen data in Wacom's proprietary binary FSS format. It also adds a device time and allows you to store this as FSS data or as metadata connected to a visual representation of the signature (PNG, JPG, etc.).

 

This enables high-quality digital ink signatures to be captured on any device that comes with a digital pen, regardless of operating system. Most importantly, these signatures are valid within most legal frameworks in EMEA, the USA and a growing number of other countries around the world.

 

For the foreseeable future, signatures will still have a significant part to play in confirming personal consent. The advantages of WILL™ 3.0-enabled digital signatures include:

  • Biometric accuracy: In addition to displaying the characters, the WILL™ 3.0 data format also captures further individual biometric information. This data makes each pen stroke as individual as a fingerprint and additional metadata, such as time and location, make forgery much more difficult.
  • User preference: Signing documents is easy, fast and natural for most people. And unlike fingerprints, facial or retinal recognition, handwritten signatures represent one of the only biometric authentication methods that can be changed if required. This adds an extra layer of flexibility for organizations and users alike.
  • Capture flexibility: Handwritten electronic signatures can be captured easily on a wide and growing range of devices in diverse environments, from a living room to a bank, retail store, government office or elsewhere.

 

The ability to capture and verify handwritten electronic signatures in real time is key to a variety of interesting application use cases, particularly in the banking and healthcare sectors.

 

These include, for example, internal approval processes for financial transactions and medical procedures, as well as customer acceptance and consent.

 

WILL™ 3.0 enables the capture of sensor data that is biometrically accurate and which can be directly connected to a specific time and place. That means, for example, it is possible to identify when and where an electronic document was signed, by whom and using which device.

The WILL™ 3.0 universal ink model captures all the relevant sensor data from the digital ink-enabled device when an electronic signature is provided. This data includes:  

  • Pressure - the force applied to the nib of the pen
  • Inclination - the angle between the pen barrel and vertical
  • Orientation - the plane-direction of the pen from the nib
  • Rotation - the rotation of the barrel during signing

 

Combined with the capture of other contextual data such as the device manufacturer, serial number, OS, author, timestamp and other metadata, a complete, biometrically accurate record of a signature can be created.

This creates an intuitive and natural-feeling signing experience for the user. Moreover, the data can also be used together with Wacom's enhanced signature verification technology to help verify the authenticity of a signature, should it be questioned.

WILL™ SDK for signature

Allows you to integrate support for Wacom signature pads or pen displays into your applications.

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