Portfolio

Unique holistic fraud detection and prevention suite for paper-based processes (such as payment transactions).

Mitigate your Operational Risk in Combating Check Fraud

Visual Signature Verification with Digitized Signature Cards

Convenient Administration of Signatures and Signing Rules

Automatic Verification of Signatures and Signing Rules and Check Stock

SOFTPRO is the leading vendor of systems for capturing and verification of handwritten s ignatures worldwide

We are proud to support Hundreds of companies in their document and transaction workflow every day. We are dedicated to provide you with solutions that increase your operational efficiency and add security to your workflow.

What can we do for you?

Get in touch with your SOFTPRO contact today. Select your country via

http://sp-l.de/Nscz

info@softpro.de

www.softpro.de/en

Securing the authenticity and integrity of documents within electronic processes Better Signing without Paper – Easy with Speed and Confidence

Trustworthy Signature Capturing

Trustworthy Signing of Electronic Documents

Capture and Verify Handwritten Signature in Your Applications

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5

7

9

16

18

SOFTPRO’s products are marketed worldwide under the umbrella trademark SignPlus®..

To address the extremely high demand for a holistic approach to fraud detection in the United States SOFTPRO also established the brand FraudOne for the US market.

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20

3

E-SIGNING

Trustworthy Signing without Paper

Solution Portfolio

SIGNATURE VERIFICATION

Fraud Prevention

Stop shredding your earnings.

Paper is expensive. Why bother printing out a document onto paper for signing if it is going to end up being scanned into electronic format, and shredded at a later time anyways? Media discontinuities such as this, cost time and money.

Legal experts have confirmed that electronic documents signed with SignDoc offer at least the same level of security as signed paper documents.

Additional information about trustworthy capturing and verification of signatures

softpro.de/trust

Better signing without paper –

Easy, with speed and confidence

More and more companies start to sign without paper with SOFTPRO’s

solutions. They save time, money and trees. At the same time they can

raise the security in their workflow and achieve a significant

improvement in customer service. Employees who no longer have to

worry about the annoying paperwork are happier, more motivated and

able to put an increased focus on their customers.

Handwritten signatures play an important role in the business live and

it makes a lot of sense to embed them in the digital workflow too:

• Signatures are the most personal way for authentication

• Signatures offer a non-intrusive proof of intent

• Signatures are culturally accepted and understood

• Signature contain invisible biometric characteristics which cannot

be spied out

We introduce you to SignDoc® - a "signature-ready solution" in the

truest sense of the word.

SignDoc is certified as “Approved Software“ and “Approved App” for

easy and secure operation.

• Documents are processed safe and secure.

• The electronic signature and the document associated with it are

protected against manipulation attempts and

• Transmission errors have been systematically excluded.

Calculations in various industries allowed to determine a return on

investment within nine to twelve months. We invite you to set up a

similar calculation for your company. The next page contains

information which allows you to determine your savings potential.

Don‘t put your savings into the shredder…

Put an end to the paperwork

for signature capturing -

choose SignPads or combine

iPads, Android Tablets and

Windows 8 Tablets with

SignDoc Web. Sign your

documents in a better way -

with SignDoc. We will be

happy to assist you.

3

E-Signing

Laws and regulations for electronic signatures vary around the globe. Most of these laws are similar with the "European Parliament and Council Directive 1999/93/EG about a Framework for Electronic Signatures" which supports a broad technological approach to electronic signatures. The directive became law in the European countries subsequently beginning in the year 2000. It defines levels of electronic signatures which are considered as "simple", "advanced" or "qualified".

SignDoc fulfills the definition of an “advanced electronic signature”. The idea of this type of signature is to provide a proof of intent of a signer and legally binding evidence of a transaction. The trustworthiness of electronic documents is closely linked to the power of proof for authenticity and integrity in the particular application and workflow. In addition to the option to verify the dynamic signature, this form of signature requires encryption and the option to check that a document has not been tampered with.

As an example the following processes were identified as suitable for the electronic signing with SignDoc: The deposit and withdrawal of cash, the purchase and sale of varieties and their orders, bank transfers, direct debits, the cash-query, the cash accounts, creating and editing standing orders, charge backs, the opening and termination of accounts and savings accounts, address changes, and the ordering and delivery of precious metals.

Application Areas of SignDoc

Determine the savings potential

The potential savings from the abandonment of paper for the collection and processing of handwritten signatures may be calculated due to the elimination of various steps in the processing of documents: printing, storing, preparing, signing, transmission, sending, scanning, indexing, and physical archiving.

Check www.softpro.de/roi for details.

More quality in customer service

Where SignDoc is already in use, the digital processing of the signature is recognized as a significant improvement in perceived quality of service.

Doris Görke from German Savings Banks and Giro Association: “Customers signing on SignPads feel more secure as they expect that their signature is protected against forgery attempts."*

The avoidable costs in the production, acquisition, processing, storage and archiving of forms add up to a model calculation from the banking sector to up to two Euro per document

Filling and copying the form

Selection of PDF form

Customer signs on capturing device Signature data instantly bound encrypted to the

electronic document

Document creation on screen

Customer signs document on paper

Paper document is presented to the

customer for review

Shipment of forms to sales team

Document display on screen

for verification by customer

Digital archiving

Scan of the document (OCR/ICR)

Contract verification & OK

Indexing & digital archiving

Destroying paper

Contract verification & OK

Today’s Process – with Media Cut

Straight-Through Process SignPad & SignDoc

Potential for cost savings and

enhancement of process speed

cost saving environmentally friendly

faster more efficient

safer user friendly

* Source: Article “Lean Signing with Electronic Signatures" in supplement „In dialogue with the customer“ in newsletter of the Savings Banks on 2009-03-20

4

SignPads capture quantifiable characteristics of handwritten signatures in the best quality

Static Characteristics of the signature image - for example:

Dynamic (biometric) signals – for example:

Specifications of SignPads

http://sp-l.de/Zbb4

Together with Wacom SOFTPRO also offers over a wide range of devices for high-quality capturing of signatures. With and without display.

Check our detailed overview about tablet and pads:

http://sp-l.de/swcI

Trustworthy Signature Capturing

SignPads have been specially developed for high-quality capturing of

signatures. The wide use of more than 10,000 SignPads in Spanish

savings banks in 2009 was awarded the Innovation Prize of the

Association for IT security TeleTrusT. These signature pads with LCD

display are the result of the close partnership of SOFTPRO and the

world market leader for pen tablets – Wacom – which started back in

2000.

SignPads leverage Wacom's “Penabled”-technology which is capturing

the signals of signatures throughout the writing process based on

electro-magnetic resonance. This technology allows a very accurate

recording of signature data. It also enables very robust signature pad

building so that the displays are not subject to wear and tear by

scratches.

While signing, both the position of the pen as well as the intensity of

the writing pressure is measured very precisely. This allows very

precise profiles of time and location coordinates as well as the

pressure levels are recorded and may be easily compared. Digitized

signatures receive a higher level of proof. Another advantage

compared to alternative technologies: If one touches with the ball of

the signature field, there is no interference with SignPads. A faulty

operation is excluded.

Wacom's Penabled technology also works in Interactive Pen Displays,

most Tablet PCs and some smart phones and tablets running on

Android. SignDoc supports all of these device types for filling and

signing the document on the display.

• Wacom’s Interactive Pen Displays are a popular choice for

counters in flagship stores and self-service areas plus some other

application environments where a large display is favorable. These

devices allow to display a typical document in A4 or letter size in

full size on display sizes from 10” to 24”.

• SignDoc won several Microsoft awards as highly recommended

application for Tablet PCs.

Wet Ink meets Digital Ink

Wherever a process still requires including a paper receipt and/or the

focus is primarily on capturing of the signature image, SOFTPRO is

offering additional pen pads and writing tablets – like the Wacom’s

Bamboo Pad or Intous Pro tablets. Even SignPads may be combined

with “inking pens” - an alternative to the standard pen (digitizer) with

its polyacetal tip. Using the inking pen for signature capturing

enhances the quality of captured signature data* and hence enables

better results of automatic signature verification.

Acceleration

Velocity Pressure

Δ Pressure

Crossings

Upstrokes

Curves and Loops

Enclosed Areas

5

* Users sign on paper in the way they are used to, and the only difference is that that there is a sensor underneath the paper digitizing the signature data throughout the writing process.

This capturing procedure requires no change in the signing behavior and is totally unobtrusive.

6

What makes SignPads special

• The surface allows a natural signing experience – like signing on paper.

• The digital ink appears on the screen without any delay, ultra-sharp and fast.

• Excellent readability of the display of text and graphics, also when used in very bright environments. Particularly accurate data collection through high resolution accuracy.

• Extremely reliable, calibrated, uniformly distributed capture differentiable pressure levels without interpolation. The wide end-to-end sensors of SignPads are offering enough space to cater for long names (such as compound names)

• Highest standards for quality assurance in production.

Who pulls the data recorded signatures for an automatic comparison realizes quickly the particularly high quality of SignPads. Such a comparison possible for example in combination with signature references stored in SignArchive or SignBase.

seriously

Taking

Compact Class

Particularly suitable for mobile usage in the field, but also for consultants, wherever only some or no corresponding text on the pad must be displayed and the customer sees the form in the display of the consultant.

S ignPad Wacom STU-300

Compact and lightweight, completely optimized for mobile use. For example: The pen can be transported in the click-in tray completely protected.

Signatures

SignPads built into the counter at the POS - for example the Swiss telephone operators Sunrise

SignPads at tellers, counters and consultant desks in branches and consulting centers

SignPads at the check out of retails stores for signing electronic receipts or returns – e.g. at IKEA

Appealing Design

The design of SignPads reflects the claim of taking Signatures seriously. It is timeless without fashionable frills and makes users confident of using it. SignPads can be easily integrated into different branch and shop concepts

As seen in many places

Today SignPads are in use in financial institutions, telecommunication, government agencies, furniture retailers, fashion houses, medical practices and in many other areas. Read what satisfied customers say about SignPads

http://sp-l.de/UG9r (click arrow in segment “Customer Voices”)

Top marks in durability

Alternative technologies to Wacom’s Penabled technology allow only a limited hardening of the display surface. The more often these displays are signed the more prone they are to look blunt and dull and become unaesthetic.

Guaranteed Robustness

SignPads come with a three-year warranty.

Business Class

Particularly suitable for use at the counter, cash register and consultants desks. The very sharp 5” display with 800 x 480 pixels allows to present extensive texts which may be relevant for the purpose of the signature – like terms & conditions.

SignPad Wacom STU-530

Economy Class

Based on similar platform with monochrome positive reflective screen. Caters for all applications with less additional focus on display of text and images on the pad beside signature capturing. This type of display is best suited for bright light environments

S ignPad Wacom STU-430

E-sign any file type – whether Word, Excel, computer-aided design (CAD) files …

• Display the file you intend to sign in your native application.

• Just start your printing application, select the “SOFTPRO PDF & TIFF Converter” and the file will be converted on-the-fly into a PDF or TIFF and displayed in SignDoc.

• Sign and you’re done.

Trustworthy Signing of

Electronic Documents

SignDoc is the natural, simple yet effective method to sign digital

which everyone understands. It is the equivalent to the traditional

signing ceremony on paper for the 21st century.

Electronic documents are legally signed and sealed, including the

biometric characteristics of handwritten signatures.

SOFTPRO’s applications are available as clients for desktop, web and mobile devices.

SignDoc Desktop

Rich client which can be called from a customer’s application. SignDoc Desktop comes with a broad range of additional features –like the conversion of all file types into PDF or TIFF, attaching files, sticky notes, scribbles, combine with digital certificates and add an additional level of trust to the signature in embedding images taken from a web cam at the time of signing.

Easy and fast integration of all features into customer applications through the SignDoc ActiveX component (part of SignDoc Desktop).

SignDoc Web

Real thin client to integrate E–Signing in applications running in a web browser or applications utilizing a web-browser (like hybrid mobile Apps).

SignDoc Desktop and SignDoc Web compliment each other, providing the ideal solution for organizations who have requirements for signing in both disconnected and connected modes. For example, field personnel can complete a transaction remotely using SignDoc Desktop Client and synchronize with SignDoc Web when they get back to the office.

SignDoc Mobile

Client extension of SignDoc Web for devices running on iOS, Android and Windows 8 to display, fill and sign on tablets. Easy to integrate in existing apps and web portals of organizations.

http://signdocmobile.com

SignDoc for Adobe Reader

Plug-In to integrate E-Signing with Handwritten Signatures in environments of the Adobe Digital Enterprise Platform (ADEP), the former Adobe LiveCycle Enterprise Suite.

SOFTPRO’s applications are built on the solid base of these two Software Development Kits – SignDoc SDK and SignWare SDK. SignDoc Desktop is their reference implementation.

http://sp-l.de/gcaj

There is more in the signature field than meets the eye: In addition to the signature image, a document signed with SignDoc contains the static characteristics and dynamic (biometric) signals of the signature.

Immediately after signing on the SignPad the data of the signature and the contents of the document are stored encrypted. In addition, an integrity value is created (technical term "hash code"), which allows to detect any manipulation of the document after signing.

For detailed explanations click

softpro.de/signdoc

01100011010100110001101

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End-to-End Workflow

Here’s an example for the truly “green workflow” with SignDoc Web:

Select prepared documents in a web application for presentation, completion of data and signing with SignDoc Web.

These documents may optionally be pre-filled with data from other data sources - for example CRM-systems, patient records databases, production tracking systems…

Once the “eSign” button is pressed the data captured in the application is merged with the form and passed to SignDoc for e-Signing.

If the form is modifiable, required changes can be made within the SignDoc Web interface and then e-Signed.

When the signing process is completed, SignDoc hands back a secure PDF, along with the XML data, to the core application for continued processing by your document management system or for archiving.

Easy Deployment

In SignDoc forms can be filled-in, signed and sealed with a trustworthy legally binding electronic handwritten signature. SignDoc has been deployed by small organizations and the world’s largest enterprises.

SignDoc Desktop is a standalone rich client E-Signature application ready to automate tedious paper signing processes. The easiest way to integrate it with a minimum of coding is to choose the SignDoc ActiveX component which is part of SignDoc Desktop.

SignDoc Web enables browser-based signing within your core business application by adding a signature control — usually in the form of an “eSign” button.

SignDoc is designed to give you quick, out-of-the-box functionality. Check out the extensive feature overview on our webpage.

softpro.de/signdoc

Customized Solutions

SOFTPRO has a dedicated and experienced professional services organization with experience to assist in requirements definition, custom development, and deployment.

Post-Processing

SignDoc Web is the only system that enables the extraction of signatures from signed documents for further processing within your enterprise while maintaining the security and integrity of the signed documents and their signatures.

These electronic handwritten signatures may be further used for authentication in other critical business processes: Signing in payment systems, applicants in government and administrative procedures, authorization of persons, and requests in intra-enterprise supervision and controlling.

Browser-based E-Signing within your core business application with SignDoc Web.

Green Workflow with SignPad & SignDoc

Integration Options

Choose the solution that meets your needs and deployment environment.

* Download of software with free trial.

** The ActiveX component is part of the SignDoc Desktop client.

Option for adding a

signature reference

data base

Do you prefer ActiveX?

Embedded in customer application

Do you use Adobe Acrobat or

Live Cycle?

SignDoc Desktop Active X **

SignDoc Desktop

yes

yes

no

no

no

SignDoc for Adobe Reader

yes

Desktop Solution Server Solution interoperable

SignDoc Web (J2EE Server)

Download full-functional trial version free

softpro.de/SignDoc_AR *

Download full-functional trial version free

softpro.de/SignDocDesktop *

SignBase

SignCheck

Option for automatic

signature verification

popular e.g. in

payment processing

SignDoc SDK (C, C++ & Java)

8

Capture and Verify Handwritten

Signatures in Your Applications

9

Software Development Kit

Capturing of a signature with information on static characteristics and dynamic signals

Successful e-business is based on the trust of business partners

in the security of their data exchange. Self authentication is

required in log-in windows for network access, web applications,

home banking and various other individual programs.

SignWare® consists of a Software Development Kit (SDK) allowing

to build your own applications leveraging the full potential of

trustworthy biometric signatures.

SignWare® is the ultimate e-Signature Toolkit

Applications making use of SignWare provide a

convenient and secure way for authentication with

the unique handwritten signature.

Unique

For every signer a unique reference data set is created in SignWare. During the enrollment process, SignWare® is assessing the quality of this set. Applications using SignWare will verify two aspects of the signature of a registered signer, the static image of the signature as well as the invisible biometric characteristics of the writing movement such as speed and pressure.

Easy Integration

Programming Interfaces: C, C++, C#, ActiveX/ .NET, Java & environments supporting C-function calls, servlet and web services API

Successfully Integrated

In a broad array of applications now

for retail, e-Government, e-health etc.

For more information please contact

sales@softpro.de for details.

Graphical User Interface (GUI) elements for capturing signatures.

Interfaces for the development of individual components for signature capturing and verification.

Optimized storage of reference data, support of the ISO/IEC 19794-7 storage format co-defined by SOFTPRO scientists

Software libraries, header files, documentation, sample code

Interfaces for the integration of smart cards and smart card readers.

Comparison of a signature with the reference data set of an enrolled person (static and dynamic verification)

Creation of a reference dataset out of a minimum of three signatures per person

Normalization of captured data enabling verification operations to be largely independent of capturing devices

Support for static signature images (8bit grey-scale, black & white) also contains facilities for cleaning of unwanted “artifacts”

Features Components

Optional add-on: SignAlyze - sophisticated toolbox for signature analysis -visualizes the various aspects of dynamic/ biometric signature characteristics. Not targeting the newbie but rather the expert working for fraud departments, in forensic analysis and everyone interested into the “science of signing”.

Operational risk - the risk of loss resulting from inadequate or

failed internal processes, people, systems or external events - has

become prevalent in today’s business environment. Operational

risk encompasses the failure to implement strategic objectives

and initiatives in a successful, timely and cost-effective manner.

Subcategories of that risk include Process Risk, People Risk,

Systems Risk and External Events Risk. All financial institutions

today are subject to the serious effects of operational risk. Without

adequate systems and the right mitigation strategy losses are

unavoidable.

Although the use of checks is decreasing, America’s affinity to

checks is diminishing slowly: 19,6 bn checks were written in 2012

alone. The Check 21 Act in the USA opened the door to both

efficient image processing, and at the same time eliminates

traditional security features such as touch, smell, and feel of

paper. Such image-based check transactions pose a threat with

serious loss consequences.

Check fraud crime is easy to commit with little downside risk to the

perpetrator. Enhanced financial products, services and customer

access as well as enabling technologies such as scanners, all

increase the avenues of opportunity for fraud.

Searching for fraud amongst the billions of transactions does not

need to be like searching for a needle in a haystack. FraudOne is

the holistic and sustainable way to address all relevant aspects of

check fraud and effectively lower the operational risk. This

solution is successfully in production at leading financial

institutions around the globe, and securing millions of transactions

every day.

US Banks have stopped $7 bn in losses from check fraud in 2012.

FraudOne is one of the most effective measures of fraud

mitigation.

SOFTPRO serves the financial industry with a unique combination

of best-of-breed products, and world class consulting, based on

the experience of many successful implementations. We share

lessons learned and best practices so you can avoid risk.

Mitigate your Operational Risk in

Combating Check Fraud

Expert Consulting

SOFTPROs consulting team is

acknowledged in the financial

industry for its outstanding

expertise in fraud and risk

mitigation.

Contact us and see how

SOFTPRO can help you to

mitigate risk with expert

consulting.

10

Check Societies

Top 12

Country

USA

France

Brazil

India

United Kingdom

China

Canada

Korea

Mexico

Italy

Australia

Singapore

Sources of figures for 2012:

American Bankers Association (ABA), Deposit Account Fraud Survey Report, published December 2013

Australian Payments Clearing Association (APCA), Cheque Payment Transactions

Bank of International Settlements (BIS), Statistics on payment and settlement systems in selected countries, published December 2013

European Central Bank (ECB)

CIAB Congress

US Federal Reserve Payments Study

Checks

in Mio

19,683

2,806

1,439

1,314

848

784

748

460

378

276

228

75

Signature

Verification

Check a Focus on Day 1

Developing the Counter Strategy

Are your risks primarily on Day 1, or Day 2 of the check processing cycle? Today, operational risk mitigation typically occurs on day 2 at a centralized location. As a result, day 1 activities such as check cashing, deposit acceptance with less cash, movement of funds, new account openings and record changes expose you to additional risk as fraud operators move their activities to day 1 to avoid detection.

As banks move to distributed capture and an image-enabled environment, fraud filters can be placed at the point of origin. Our consultants can review your day 2 detection capabilities and develop a strategy to move either the entire functionality, or portions of it, to day 1 based on your individual needs.

World Class Consulting

Sh aring Best Practice

Financial institutions around the globe have trusted SOFTPRO to help them mitigate risk. The experience and lessons learned put SOFTPRO in a unique position to share industry best practices with you. We can provide you with assistance to review the progress-to-date on loss reduction goals, tweaking your FraudOne system, improving false positive ratios, and reviewing database quality.

The Holistic Approach

Because Silos simply don’t work

Systems that target a single type of fraud are unable to effectively identify fraudulent items and additionally produce a high number of non-fraud suspects that cost time and money to process. SOFTPRO’s products target all prevalent types of check fraud such as forged signatures, forged endorsements, and counterfeits to name a few. The products take into account many factors such as image data and transactional information and with the help of SOFTPRO’s consulting expertise, these products can be tuned to achieve outstanding results.

In addition to analyzing your individual risk profile, our consultants are available to assist you with business case development, proof of concept, and loss analysis and stratification.

The Right Tools

Combined Risk Scoring

FraudOne® incorporates a scoring component called Combined Risk Score (CRS) that is highly effective in distinguishing between real suspect items, and good items. Our consultants can help you to best utilize this unique technology by showing you how to adjust it to exactly match your individual risk profile and maximize your CRS results.

fraud check combat

to

Check fraud detection system that detects counterfeit and maker’s signature forged items. It can be a day 1 and/or day 2 process. It is scalable to any size institution.

Detecting the Hidden Loopholes

Assessing The Operation Risks

In addition to optimizing your check verification processes, SOFTPRO also offers consulting services to help you mitigate existing and emerging operational risks such as those created by organizational changes (e.g. mergers/consolidations leading to disparate tools and filters, general organizational issues, etc.).

An unclear risk mitigation strategy exposes your institution to losses. Let us help you to define a holistic approach to operational risk which includes all relevant departments and banking centers.

Our consultants are available to review your current fraud prevention environment, and make recommendations to optimize your institution’s loss avoidance. We can review your current organizational structure to ensure effective enterprise-wide risk management.

If you need assistance in a court dispute concerning risk in your organization, our experts can provide expert witness testimony to enhance your chances in winning your case.

Contact SOFTPRO and let us show you how to avoid losses.

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Major Aspects of Check Fraud

Date

Amount

MICR line

Payee

Combined Risk Score

Signature

Post- or outdated?

Legal & Courtesy Amount -

Inconsistent or missing?

Altered?

Forged, Missing, According

to Signing Rules (e g

missing 2nd signature)?

Manipulated?

The risk of your financial institution becoming the victim of fraud

crimes is growing every day. Due to legislative changes, and the

increasing sophistication of criminals, the banking industry has

become an easy target for check fraud crimes.

SOFTPRO is proud to introduce the first effective next-generation

fraud detection solution: FraudOne®.

Unlike other solutions that loosely integrate independent silo

detection systems, FraudOne is based on a holistic, flexible, cost -

effective, and proven approach. The platform-based system

architecture combines several complementary image processing

technologies to effectively identify suspicious payment items, and

ensure that you do not waste time looking at inaccurately flagged

suspects (false positives). To achieve this, FraudOne incorporates

a unique risk-scoring technique that significantly reduces false

positives so that you can concentrate on only the real suspects.

There is never a good reason to

lose money

BITS - "Strategies for

Mitigating Fraud Risks

Associated with the

Check Clearing in the

21st Century Act" – about

th e benefits of FraudOne

(SignPlus)

"New image-based

signature verification

tools, such as FraudOne,

provide an opportunity to

systematically review

more signatures at a

lower dollar threshold

than is feasible with the

current, manual signature

review process. These

tools greatly reduce

today’s high false positive

rates for counterfeit and

forgery."

12

FraudOne at a glance ...

• Image analysis infrastructure

• Front-office capture and verification

• Web and fat client module for enabling remote signature capture and storing into the signature data base (SignBase)

• Signature verification and forgery detection

• Check Stock Verification - Processing engine for automatically detecting counterfeit checks.

• PAD Fraud Detection - Processing engine for automatically identifying pre-authorized drafts

• Automated Technical Verification - Processing engine for automatically verifying legal and courtesy amounts (LAR/CAR) as well as identifying post- and/or out-dated checks

• Rules-based Risk Scoring - "Combined Risk Score / CRS" - Rules-based add-on module to FraudOne for creating business rules, and/or consolidating results from several sources to identify fraud. The module is also used for dynamically configuring the item processing workflow.

• Incorporation of Transaction Analysis results and other back office systems

• Analysis Workstations Fraud, Exception Item processing

• Day 1 instant verification of payment items - Web module for providing instant verification of checks to identify suspects at the teller window on Day 1

Last, but not least: World class consulting and services

Front and Back Office Solution Aspects

FraudOne provides components for Day 2 back-office batch processing of payment items as well as Day 1 instant verification solutions that enable your tellers to instantly verify payment items at the front office. Proven Solution

In co-operation with six of the U.S. banking industry’s leading institutions, SOFTPRO defined check fraud prevention best-practice requirements in 2001 as part of the FraudOne initiative.

These activities have resulted in SOFTPRO’s implementation of the first truly effective image-based fraud prevention solution based on SOFTPRO products and services: FraudOne.

Secure and Low-risk investment

Unlike other fraud detection systems, FraudOne fits into your institution’s current infrastructure and not vice versa so that it can be implemented with minimal changes to your existing back-office infrastructure.

The FraudOne platform can quickly and easily be adapted with new detection functionality and fraud profiles as industry fraud patterns change. With FraudOne, we are committed to providing you with a secure and future-proof investment that will continue to provide value as industry demands change.

fraud check combat

to

13

“When we first started looking into an image-based fraud detection solution, we were skeptical that we could find a product on the market that would satisfy our business requirements, be cost-effective, and be able to perform in a highly complex check processing environment such as Bank of America’s.

We did an extensive search of all vendors on the market. SOFTPRO convinced us that they would be the right partner for us based on the quality of their product, their ability to correctly identify fraud, and their professionalism as a company.

Their products exceeded our expectations by enabling us to reduce our false positives by 50%, as well reduce our losses due to counterfeit and forged maker s ignature checks by 60%!

We are convinced that we made the right choice by selecting SOFTPRO."

Bank of America

Angela Bardowell, Senior Vice President, Process Design Executive, about SignBase and SignCheck components of the SignPlus FraudOne in March 2005

Stop

• Web access to verification back-end from the teller

• Seamless integration with scanning hardware

• Interface for integration into other teller platforms

• Provide instant preliminary pay/no pay decision

• Perfectly complements the FraudOne Day 2 process for On-Us checks

Fraud

Dynamic Signature Capture

Release 4.0 offers the possibility to capture new signatures remotely at the teller by using s ignature capture devices.

This allows adding new signatures at the moment when the client is present at the branch’s teller.

On Day Zero!

Day 0 Instant Check Verification

Move your verification to Day 0 and verify checks for fraud detection on-the-fly.

The system allows a check to be scanned at a teller station and sent to the FraudOne servers for instant verification. The result provides customers with an accurate indication of whether or not a check is good.

• Add-on to standard Web-based Inquiry Client

• Enables capture and replacement of dynamic signatures from any location

• High quality signatures for use in other areas of the bank (check fraud detection, customer authentication)

• Perfect complement to online account opening

14

Release 4.0 of FraudOne® offers a wide array of highly valuable enhancements which underline that FraudOne is arguably the most advanced suite for check fraud detection and prevention worldwide.

Release 4.0 provides more fraud detection functionality, support for integration of account opening applications and solutions for Instant verification and remote capture applications.

It even allows replacing old signatures (static or dynamic) with new ones. Signatures must no longer be written on paper and imaged by a scanner for processing in the back office. They can now be added directly via a browser client. This saves paper and turnaround time.

• Seamless integration of Thin Client and SignDoc®

• Provides complete end-to-end signature ceremony

• Secure process

• Instant availability of captured signatures

• Multiple signers

• Multiple forms per account

• Signing at different times

• Storage and retrieval of signed documents

15

SignTeller Verification

• Web enabled Signature verification

• Uses SOFTPRO‘s industry leading „combo-verification“

• Allows verification even if dynamic characteristics are not available yet

• The perfect way to deploy dynamic verification with a gradual database buildup.

• Automatic signing rule verification

Schmidt, Sven

Stop

Before it Fraud

happens

Complete Account Opening

The account opening application refers collectively to a set of features that enable an automated paperless account opening process.

The application uses several products and product features to achieve this goal.

The account opening application implementation for Release 4.0 includes:

Real -time authentication of customers

• Ability to automatically store captured signatures within SignBase®

• Updating of PDF documents created by SignDoc

• Printing of documents within SignDoc

• Storing of documents within the SignInfo archive

• Extended handling of account images in Thin Client

• Creation of electronic account opening documents with SignDoc in PDF format

• Capturing dynamic signatures within a SignDoc document

Supported Account Opening Processes:

Visual signature verification with

digitized signature cards

SignInfo® is your first step towards automated signature

verification. This module eliminates the need for traditional paper

account cards and associated storage costs.

SignInfo– Less Paper. Higher Efficiency.

Manage and display signature card images and signature card

snippets. SignInfo is easily integrated into common teller and

payment transaction systems.

Combo-Bonus when used together with

+ SignBase®: Signature database enhanced to store and display

additional documents such as photos and IDs.

+ SignPlus® Archive Interface Server: Extract existing images from

document archives and to manage a “single scan” process for

both the signature database and the document archive.

16

Rich Client Capturing Screen

showing directory tree

display, image documents

(e. g. signature card, photo,

ID card or any other kind of

document) and free text

information.

Thin Client Display Screen

X Account Opening Card

17

Data access is protected by using a relational database.

Enhancements

Modular enhancement options protect your investment:

Upgrading to SignBase

enables you to manage signature snippets. Semi-automatic cleaning removes image elements that are not part of the signature (e.g. lines and boxes, rubber stamps, background graphics etc.). Optionally, a form-independent cleaning of grey-scale snippets is available.

Signing rules are stored in free text form. Optimizing your workflow requires that these rules are managed in a normalized way. Upgrading to SignBase® allows to store and display the rules unambiguously and clearly.

Support of “four-eyes“-principle.

Improved Security

Data capturing via SCSI TAIN scanners or import file interfaces

Optional signature card snippets migration from existing document archives (using the SignPlus® Archive Interface Server) or existing InfoSign databases

Data and Image Capturing

Every single data update is recorded in a protocol and can be audited at any time..

Customer authentication data easily retrievable across branches.

Easy capturing, safe management and flexible updates (e.g. verification thresholds).

In addition to signature cards, further document images can be stored, e. g. photos, ID card copies and other identity information – your choice of b/w monochrome or grayscale images (optional).

Easy to maintain

Use SignCheck for a full automation of your signature verification process (configurable workflow, automatic signature and signing rules verification).

SignDoc allows you to add signing of electronic documents to your workflow.

with digitized signature cards

verification

visual signature

SignBase® - the basic module of SignPlus® - is the ideal starting-

point for automatic signature verification. SignBase displays

signatures and signing rules at every workstation within seconds

while offering convenient administration. Forget old signature

cards or inflexible data bases. The use of signature verification as

an automatic process in the background removes the burden from

branch offices. SignBase workflow increases efficiency and

reduces risk of fraud.

All Answers at a Glimpse

SignBase offers an unparalleled overview – independent of pre-

formatted forms. Concern of authorized signers with certain

signing rights is eliminated. The signing rules of authorized signers

are displayed clearly even if rules are very complex.

Reference Data easily updated

Some reference signatures may have been initially captured many

years ago or captured in poor quality. Consequently, there is a

need to update reference databases. SignBase has the ability to

add so-called ”variants” to reference signatures. The use of

”variants” enables SignBase to account for the natural variation

within an individual’s signature. Furthermore, users benefit from

current technology including high-resolution scanning and high-

capacity storage. Capturing variants requires minimal effort, data

may be taken from regular checks or giro forms.

Clean Signature Images

Scanned signatures may include disruptive background

information With the use of an optional automated cleaning

module, printed lines, boxes, stamps or images in the background

are removed. This ensures the storage of a clean signature image

and improves the accuracy of the verification process. This

sophisticated algorithm has been successfully proven world wide.

Another option is to clean grey images - independent of pre-

defined forms.

18

Display of a Signatory’s details – including signing rules and directives, stored in a relational data base

Convenient Administration of

Signatures and Signing Rules

Importing Data

• Automatic signature verification in paper based

payment processing (SignCheck)

Convenient Administration of Signatures and Signing Rules

Microsoft Windows Server 2008 or 2003 R2 SP2 or 2003

SP2. Extended support for Server 2003 and Server 2003

R2 ends July, 14th 2015.

Data Bases

Features

Operative Systems for Application Servers

Extensions

• Additional capturing and administration of biometric

data utilizing writing tablets and Tablet PCs in

combination with SignTeller Verification

SOFTPRO has compiled a list of quality criteria for digitizing

signatures throughout the signing process, based on its

experience with more than 200 customers in financial

institutions worldwide.

SignPlus also supports the capturing of static images via

TWAIN-compatible SCSI-scanners.

The availability of writing tablets (e.g. in the teller

environment) or TabletPCs (in mobile scenarios) enables

paper-less signature verification. In addition, these devices

greatly improve the verification accuracy by capturing

biometric characteristics such as writing pressure, speed

and acceleration.

SignBase is used in hundreds of financial institutes

worldwide including Barclays, Citigroup, Discover

Financial, Lloyds TSB and UniCredit HypoVereinsbank

plus regional or national institutes.

The solution contains the experiences of the SOFTPRO

team and its partners from various project requirements

of more than one and a half decades.

Capturing

Benefit from our Experience Ad ditional Information

IBM DB2 Version 9 for Win32, MS SQL Server 2005 and

2008, Oracle 10 and 11 Enterprise Edition for Win32.

Extended support for MS SQL Server 2005 will end April,

12th 2016.

• Semi automatic cleaning of disruptive background

information prior to storage

We will be pleased to introduce you to SignBase® and to

other modules of our signature verification system SignPlus.

Call us or send us an E-Mail.

Modular options provide safe investments:

Data of accounts, signing rules and signatures may be

imported from existing document archives or other

applications (e.g. via XML) by using optional modules. This

import mechanism supports all objects of the SignBase® data

model.

• Data import via SignPlus Archive Interface

Server

Fast and easy access to all relevant information of a

signatory

Customer or account oriented – enabled by a flexible

data model

Online help with in-depth documentation

Capturing and administration of signatures and signing

rules, extensive audit options for all data changes

Interfaces, which allow integration into common front

office applications and payment systems

Convenient graphic user interface in Java Client and

browser client (Thin Client)

Online access of past data through “historization” of

important alterations

19

SignCheck® closes the last gap in the automation of payment

processing with automatic signature and check stock verification

that offers unparalleled levels of reliability. Unlike visual

verification, automatic signature and check stock verification is

reliable, accurate and scalable.

Increased Security and Streamlined Workflow

SignCheck incorporates analytical knowledge from a team of

highly-sophisticated forensic writing experts. Their experience was

reflected in the training of the neural network and the fuzzy logic in

SignCheck. Fraud Specialists are able to focus on questionable

items only, eliminating traditional “needle in a hay stack” analysis.

Verification thresholds can be lowered to high fraud areas to

optimize fraud detection. Check value may be used to set

thresholds for verification. These settings may be adjusted daily,

depending on changing security requirements.

Reliable, Fast and Audit-proof

Results of all workflow processes are stored in a result file and

may be directly used by other systems processing (storage in

payment image archives, merging with debiting checks).

SOFTPRO’s customers process most of their transaction items

automatically, thanks to ongoing optimization of reference data,

forms and the workflow itself.

SignCheck is scalable to process almost any number of

transactions within a given operating window. Scalability is

achieved through the addition of hardware and no code changes

are required. Since the parameters of workflow and verification

procedures can be configured and customized, and because

SignCheck supports multiple banks, it is the perfect fit for both

insourcing and outsourcing scenarios. This gives you the flexibility

to adapt quickly to eventual business changes.

SignCheck provides audit security to meet Basel II requirements:

Verification results are completely documented and may be

reproduced at any time.

20

Some examples for the static characteristics of a signature image

SignCheck extracts and weighs 60 different primary and 500 secondary static signature characteristics and combines them in parameter vectors.

After calculation, a neural network is used to define the level of similarity between a signature and a reference. The natural variation of a signature is taken into account throughout the comparison.

Best In Class SignCheck has proven its technological leadership in independent vendor tests with impressive results.

Recently, SignCheck successfully passed a qualification test held by key financial institutions in the United States and was ranked best in its class.

Crossings

Curves and loops

Upstroke

Enclosed areas

Automatic Verification of

Signatures, Signing Rules and

Check Stock

Features

Reference Data

Convenient graphic user interface in Java Client

and browser client (Thin Client) for visual and

technical verification of questionable items

Automatic Verification of Signatures, Signing Rules and Check Stock

The first version of SignCheck premiered in 1994 at Credit

Suisse.

Today many banks world wide are using this SignPlus®

module including Barclays, Citigroup, Discover Financial,

Fifth Third, Key Bank, OCBC and UniCredit

HypoVereinsbank. Millions of checks and transaction

documents are verified automatically each working day.

If compulsory, second signatures on transaction

items are verified automatically

• Real-time verification of static and dynamic (biometric)

signature characteristics, captured via writing tablets

and Tablet PCs, provides authentication on the spot

(SignTeller Verification)

Verification of signatures and complex signing rules Further verification possibilities:

Reference data for verification is taken out of the SignBase

data base. Additional information about SignBase is

available on a separate product leaflet.

Interfaces, which allow integration into common

payment systems

Multi bank capability (e.g. for workflow and verification

thresholds)

• Automatic technical verification of non-signature data

on an item

Scalable on demand to increase verification of up to

millions of items per day

Integration into automatic debiting possible

Optional integration into solutions for payment analysis

(e.g. Carreker FraudLink On-Us – formerly known as ASI

16) and check stock verification

• Check Stock verification

Microsoft Windows Server 2008 or 2003 R2 SP2 or 2003

SP2. Extended support for Server 2003 and Server 2003

R2 ends July, 14th 2015.

IBM DB2 version 9 for Win32, MS SQL Server 2005 and

2008, Oracle 10 and 11 Enterprise Edition for Win32.

Extended support for MS SQL Server 2005 will end April,

12th 2016.

We will be pleased to introduce you to SignCheck and to

other modules of our signature verification system SignPlus.

Call us or send us an E-Mail.

Online help with in-depth documentation

21

Data Bases Operative Systems for Application Servers

Benefit from our Experience Additional Information

Features

IT Security made in Germany

The official quality mark above is issued by TeleTrusT, the leading European association for IT security. It identifies vendors which excel in secure IT products.

http://sp-l.de/NJ55

Our passion. Our profession. Our world.

The SOFTPRO Group is a world leader in developing and marketing products and

solutions for the digital capture, management and verification of handwritten

signatures.

Locations

The parent company of the SOFTPRO group is the SOFTPRO GmbH, founded

1983 in Boeblingen near Stuttgart. Five subsidiaries are based in the United

States, Chile, in the United Kingdom, in India and in Singapore. A representation

operates in Lebanon. The group currently employs an international staff of around

70 people.

Lines of Business

SOFTPRO's fastest growing line of business is E-Signing solutions. Softpro

produces E-Signing software that ranges from Software Developer Kits to a

complete platform for Web-based signing. The products are compatible with a

wide range of devices for signature capture - including basic pen pads, Tablet PCs

as well as iPad and slate computers.

SOFTPRO’s "Fraud Prevention Solutions" provide a holistic approach to detecting

and preventing fraud in paper-based processes (such as payment transactions),

as well as increasing operational efficiency using signature management and

verification solutions.

Value Proposition

SOFTPRO provides its customers with decisive competitive advantages in

productivity and security. The Signature Professionals are committed to top

quality consulting, products and services.

SOFTPRO Signature Solutions E-Signing solutions have proven to lower daily

costs, accelerate business processes, eliminate errors, and protect documents

and transactions against manipulation. They support “Green Workflow”

initiatives and contribute to Corporate Social Responsibility programs.

Market Position

SOFTPRO is at the leading edge in the processing of signatures and in fraud

prevention in paper based payment transactions. Throughout the last years the

company has spent more than ten million Euros in R&D to enhance its software.

Company Vision

SOFTPRO’s goal is to further enhance its global leadership in Automatic Signature

Verification and Fraud Prevention Systems for paper based payment transactions

and to become the key supplier for biometric solutions based on dynamic

signature verification.

22

Gartner Cool Vendor 2012

SOFTPRO is named "Cool Vendors" by Gartner, Inc. In its 2012 report the world’s leading technology research and advisory company highlights firms that enterprises, vendors and investors alike ought to be taking note of now.

Gartner defines a ‘Cool Vendor’ as a company that offers technologies or solutions that are:

• Innovative – enable users to do things they couldn’t do before

• Impactful – have, or will have, business impact (not just technology for the sake of technology)

• Intriguing – have caught Gartner’s interest or curiosity within approximately the past six months.

http://sp-l.de/qEM8

The Signature Professionals

Company Profile

Signatures. Our passion. Our profession. Our world.

Founded in 1983 by Heinz Reschke, the company initially

developed individual software solutions for various

industries. Visual comparison of signatures supported by

PCs was started in 1987, triggered by growing demand from

major financial institutions. Shortly after this SOFTPRO –

along with IBM and APP Informatik Davos – started the

development of automatic signature verification. The

automatic verification is based on a neural network and

fuzzy logic.

The first automatic verification went into production in

1994. Intellectual property rights for the automatic

verification were acquired from IBM in 1998. In recent years

SOFTPRO extended its product range through FraudOne and

the use and verification of dynamic (biometric)

characteristics of signatures.

Milestones

http://sp-l.de/Y8JO

SOFTPRO solutions are currently used in more than 50

countries on five continents. Twelve of the world's 25

largest banks are SOFTPRO customers.

Our products are also used for example in insurance, retail

and telecommunications companies, public

administration, the energy and the health sector.

Customer Voices

http://sp-l.de/yHSj

Customers

23

Services History

Products

Partners

SOFTPRO enables its partners to complement their

offerings with the verification of signatures. The company

cooperates with a number of suppliers of devices for

signature capturing, software vendors and systems

integrators.

SOFTPRO partners benefit through intensive exchange of

technical information and active cooperation in

marketing und public relations. The advantages for joint

customers are obvious: expert consulting, innovative

technology and efficient implementation through

integrated components.

Detailed Partner Profiles

http://sp-l.de/SJrI

SOFTPRO offers a wide range of services that allow its

customers to benefit from SOFTPRO’s experience in

challenging projects throughout the world. Services include

consulting, customization, development and training.

Modular product family for capture,

maintenance and verification of

signatures

Signature Verification in Banks

Reference data base for “single”

signatures and signing rules

Automatic verification of “single”

signatures and signing rules

Automatic verification at the teller and in

the front office

* Including COMBO VERIFICATION: capture and verify static and

dynamic signature characteristics

Various modules allow storage of reference characteristics on either

smart cards or in a data base.

*

Modular system for fraud detection and

prevention in paper based payment

transactions

Authentication and sealing of electronic

documents and transactions

Software Development Kit for integration

in third party applications

*

*

First Choice for Trustworthy Digitizing of

Handwritten Signatures

Securing Electronic Processes

*

SOFTPRO is recognized as World’s #1 in Signature Management – ranked by Institute of Management at the Berlin School of Economics.

ENGAGE with SOFTPRO

SOFTPRO provides several social media

channels with our Facebook page being the

major Web 2.0 source for information.

Trends & Facts

facebook.com/softpro.de

Background Information

gplus.to/softprogroup

Document Collections

scribd.com/softpro-group

Videos & Animations

youtube.com/signaturespecialists

Presentations

slideshare.com/SOFTPROGroup

Food for Thought (also as RSS-Feed)

trustedsignatures.com

Headline Alerts

twitter.com/SOFTPRO_Group

PARTNER with SOFTPRO

Signatures are our passion and our

profession. We are happy to share this

passion and profession with partners around the world. We are proud that

many of these partnerships already last

for several years, and they have proven

to be sustainable and highly fruitful.

Partnerships in Profile

We believe in stakeholder value when

doing business.That’s why our webpage

contains detailed profiles about our solutions and system integrators serving

our prospects and customers – some of

them also in additional languages.

http://sp-l.de/SJrI

Find your SOFTPRO contact fast: Just select your country at

http://sp-l.de/Nscz Headquarter

SOFTPRO GmbH Wilhelmstrasse 34 71034 Boeblingen Germany Tel: +49 7031 6606 0 info@softpro.de

Subsidiaries

United States SOFTPRO NORTH AMERICA, Inc. info-na@softpro-na.com

E-Signing Solutions 2629 Townsgate, Suite 235 Westlake Village, CA 91361 Tel: +1 805 496 5059

Fraud Prevention Solutions 2520 Wrangle Hill Road, Suite 210 Bear, DE 19701 Tel: +1 302 504 0606

Chile danilo.troncoso@softpro.de Santiago de Chile Tel: +56 9 98 70 45 04 Si ngapore SOFTPRO Software Professional Asia Pacific Pte Ltd 25 Int. Business Park #02-06 Singapore 609916 Tel: +65 6 562 9054 softpro-ap@softpro.de

United Kingdom SOFTPRO (UK) Ltd. 1, Kingswood Close Whetstone, London N20 9PX Tel: +44 750 680 9011 softpro-uk@softpro.de

India Softpro Signature Management India Plc. Suite 311, DBS Business Centre 31 A, Cathedral Garden Road Nungambakkam, Chennai - 600 034 Tel: +91 91 76 07 01 13 nagesh.ganti@softpro.de

Representatives

Lebanon pierre.mansourati@softpro.de Beirut Tel :+961 3 23 28 38

Collaborate with the Signature Professionals

Contacts & Information

SOFTPRO is the leading vendor of systems for the verification of handwritten signatures and for fraud prevention in paper based payment transactions, worldwide.

Find out today about our top quality consulting, products and services by contacting one of our offices.

Trademark Notice

The following SOFTPRO products are registered trademarks in the U.S. Patent and Trademark Office or trademarks of SOFTPRO GmbH and/or its affiliates : FraudOne®, SignBase®, SignChip®, SignDoc®, SignInfo®, SignSecure® and SignWare®. Additionally the SOFTPRO GmbH is holding additional national and international trademark registrations for its products SignCheck®, SignPlus® the product component Sival® and the company name SOFTPRO®.

All other trademarks mentioned in this document are the property of their respective owners.

© Copyright SOFTPRO Group December 2013