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Signature Verification System

Signature Verification System (SVS) provides an organisation with the ability to deliver a signature or customer image to an operator, enabling identification of the customer.

SVS from Redwither Software helps to reduce costs involved in identifying fraud in Banks, Building Societies and Financial Organisations and improves customer service and security.

SVS is an easy to use, proven system that can be integrated with existing customer information systems so as to utilise existing customer records.

The SVS applications are available on the platforms most commonly used in Banks and Building Societies - e.g. Windows 95/98 tm, Windows NT tm, OS/2 tm and UNIX. Two SVS implementations are available, Dual Server and Single Server:

  • Dual Server - Initially all paper and electronic information is low level indexed by customer and account code combinations on a document image server. At this level an operator can access all mandate and temporary rule instructions by simply searching for the appropriate customer number or account/sort code.
    The next stage of the dual server approach is to acquire all the customer, account, rule and signature information from the documents stored on the image server and highly index them on the SVS Server. Once the information is indexed on SVS, the operator has access to more concise information e.g. clipped signatures, rules relating to specific values, customer information etc. SVS also allows more complex activities to be performed on the data such as clearing, faxing, account enquiries and signature maintenance. The dual server approach is ideal for a "phased" implementation so that the highly indexed server can be built up over a period of time.
  • Single Server - The single server approach involves acquiring account, customer, rule and signature information directly to SVS, thus starting at a high level of indexing. The facilities available therefore, will be the same as the end result in the dual server approach. The advantage of the single server approach is obviously the fact that the data is highly indexed from the beginning. The problem with this approach is that it doesn't suit a phased approach if access to data is required from the outset as it requires a considerable effort of data acquisition after implementation.
  • The main processes of SVS are as follows:

  • Acquisition of Signatures (or Backfiling) - The starting point for any signature system is the acquisition of signatures from mandates. Redwither Software uses conventional scanning technology or digital camera systems attached to PC systems, to rapidly acquire clear and accurate signatures, with the lowest possible cost per item.
    Were archived mandate information already exists on media such as Film and Fiche, then this can be used as the source of acquisition in SVS (after conversion to electronic format).
    Signing rules for both personal and business accounts can also be captured at the same time as the signature.
    Click one of the icons below to view an example of an SVS acquisition screen.

    SVS Camera AcquireSVS Scanner Acquire

  • Clearing Centre Solutions - Approximately 10% - 15% of daily clearing items need the signatures to be verified for such reasons as a technical fault or the cheque above the floor limit etc. This often involves returning the cheques to the branches where the signature mandates are held, which is a time consuming and costly process.
    Clearing File Verification by Redwither Software, allows the verification of signatures for a batch of cheques against a Signature Database, thus removing the need to return cheques to the branch.
    A number of implementation options are available for clearing verification, depending on the size, scale and complexity of the clearing operation e.g. Workfile Clearing Verification, Image Enabled Clearing Verification and Automatic Clearing Verification (incorporating biometric matching). Click on one of the icons below, to view an example of an SVS clearing verification screen.

    SVS Workfile ClearingSVS Image Enabled ClearingSVS Automatic Signature Verification

  • Signature Maintenance - Once the initial signature records have been captured, it is essential to keep the database up to date as modifications are made. Branch applications can be used to update the central database with capture facilities similar to those used for backfiling. Biometric signature capture using sign pads is also a branch option.
  • Branch Data Access - Various mechanisms are available to give branches access to signatures, but it is often dependent on what network topology is in place.
    Where branches are linked to a the central database, branch software can be integrated into existing branch application software.
    Where connectivity between Branch and Central Server is not possible, fax transmission of a signature to the branch can take place from the Central Server - when requested by an applicable branch. This can be further automated by using a Voice Response system (DTMF).
  • For further details about SVS contact the sales department

    OS/2 is a registered trade mark of the International Business Machines Corporation.
    Windows tm and Windows NT tm are registered trademarks of the Microsoft Corporation.