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Article

Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry

University of Leipzig, Chair of Applied Telematics and e-Business, Department of Computer Science
J. Theor. Appl. Electron. Commer. Res. 2009, 4(3), 72-79; https://doi.org/10.4067/S0718-18762009000300007
Submission received: 12 October 2007 / Revised: 6 October 2009 / Accepted: 30 October 2009 / Published: 1 December 2009

Abstract

On the way to a completely electronic workflow, it is necessary to include customer signatures. Legislation in many countries treats electronic signatures similar to handwritten ones. Both are accepted for various purposes such as for finalization of documents, acknowledgement of the document’s contents as well as conclusion of agreements. Most important, electronic signatures are accepted as proof of those actions. But customers today often lack knowledge or means to issue them. In this study a business process is described that will produce reliable signatures without the need of previous knowledge or devices on customer side. A threat model for a generic process is described and countermeasures including cryptography, biometric features, tamper-resistant devices, timestamps, signature databases, and others are discussed.
Keywords: Electronic Signature; Biometrics; Insurance; Case Study; Electronic Workflow Electronic Signature; Biometrics; Insurance; Case Study; Electronic Workflow

Share and Cite

MDPI and ACS Style

Wolff-Marting, V.; Köhler, A.; Gruhn, V. Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry. J. Theor. Appl. Electron. Commer. Res. 2009, 4, 72-79. https://doi.org/10.4067/S0718-18762009000300007

AMA Style

Wolff-Marting V, Köhler A, Gruhn V. Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry. Journal of Theoretical and Applied Electronic Commerce Research. 2009; 4(3):72-79. https://doi.org/10.4067/S0718-18762009000300007

Chicago/Turabian Style

Wolff-Marting, Vincent, André Köhler, and Volker Gruhn. 2009. "Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry" Journal of Theoretical and Applied Electronic Commerce Research 4, no. 3: 72-79. https://doi.org/10.4067/S0718-18762009000300007

APA Style

Wolff-Marting, V., Köhler, A., & Gruhn, V. (2009). Securing Electronic Customer-Signatures in Legally Binding Business Processes: A Case Study from the Insurance Industry. Journal of Theoretical and Applied Electronic Commerce Research, 4(3), 72-79. https://doi.org/10.4067/S0718-18762009000300007

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