StepOver International GmbH delivers exclusively outside the EU. For deliveries inside EU, please select the language English-UK&Ireland. Do not show note
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.
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.