StepOver - electronic Signature in the field service

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Use of electronic signature devices in the field service

Commercial and field employees who travel to provide services in homes use StepOver products too. It allows clients to electronically sign, for example, maintenance agreements, service reports, insurance agreements or contracts of purchase or sale. Once signed, these documents can be immediately sent in digital format to the back-end system to be processed. Thus, services can be invoiced immediately upon their agreement. Insurance brokers who work in homes use our electronic signature devices for the signing of insurance requests or conditions of service. The insurance buyer receives all contractual information, including the terms of the policy, as well as a copy of the request, in a data file, instead of on paper. Due to signing on paper, it was previously necessary to print all requests as well as other documentation. As well as the huge saving of paper, this process has an additional advantage: for example, in the case of the insurance group, Nürnberger, it was possible to reduce the time between the insurance request and the production of the policy from around 3 weeks to only 3 days.

Just as with use in retail locations, we also guarantee maximum security in field use. Given that, as well as the image of the signature itself, the signature of the electronic device also records biometric data with maximum precision, namely the pressure and velocity, in the event of legal proceedings, would allow handwriting experts to verify whether the signature did belong to the person in question or not. As this data is protected by an asymmetric key, generated in the presence of a notary, the possibility of fraud is eliminated. It is therefore not possible to, for example, use the signature in other documents. Furthermore, the signed and legally valid document is protected by means of a checksum so that it cannot be manipulated after the fact.

Our solutions (both hardware and software) have been certified by the independent inspection, control and certification body, TÜV Saarland, as well as with the favourable report of an independent expert used by the courts.

The products best adapted to the special needs of employees offering services in homes are the naturaSign Pad Mobile and naturaSign Pad Comfort. These devices have been specially designed for mobile use, given that due to being compact and robust, they fit perfectly in any laptop case.

Benefits:

  • Considerable streamlining of business processes and subsequent improvement in the service provided to the client, resulting in greater client satisfaction
  • Improvement in quality, as requests are not hand-written (thereby avoiding subsequent errors in processing, due to illegible handwriting, missing information, typographical errors, obsolete forms, etc.)
  • Reduction of work load, in both the office and in the field (less data verification and registration work, greater ease in the sending of requests, less questions and requests for clarification from the office, use of paper forms is avoided)
  • Possible savings on mobile printing
  • Streamlines the charging of commission by insurance salesmen
  • Risk of cancellation reduced, thanks to the fast processing of the policy
  • The cost of printing, sending, faxing or scanning the signed documents is eliminated
  • The service reports will be available immediately after the back-end-system has processed the signature so that subsequent steps can be taken
  • Cash flow is optimised, as our devices allow for faster invoicing of clients

Debeka fights against the paper

The reform of the German insurance contract act (VVG) in 2008 has its drawbacks, despite providing greater protection for consumers. The increased paperwork results in higher admin fees in insurance companies. To combat this, last year the Debeka Group introduced the electronic signature to its application system, thus adding the missing link in a completely electronic application process.

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