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FAQs
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What industries must use electronic signature software?
Any industry involving a large amount of paperwork make use electronic signatures. In other words, all industries make use of electronic signatures because all of them have piles of paperwork to handle. Some examples of such industries include financial, life science, healthcare and pharmaceutical industries.Industries such as the pharmaceutical industry, have a number of licenses and other paperwork that they have to handle and keep track of. It can be a tedious task to perform such cumbersome paper processes. Therefore, e-signatures can facilitate an organisation in keeping a track of all this paperwork, by signing electronically.Healthcare industries usually involve time-sensitive documents, which need to be urgently completed. But, it can take days in case of the traditional wet ink paper signatures for the documents to signNow the signer and back, if the parties are geographically scattered. But with electronic signatures, that is not the case. Geographical barriers do not play a role. Documents which earlier needed days to be completed, can now be signed and sent back within minutes, in the click of a button. Furthermore, it takes a long time to bring assets under management. The time taken by the signing process, if wet ink paper signatures are used, may even further delay the process. But by using electronic signatures, the whole process can speed up.Apart from these, there are many paper prone industries which require huge amount of paperwork and with the use of electronic signatures they can make their everyday processes smoother and more efficient.
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How did Brian Roemmele become a payments expert?
Warning: I Am Not An Expert In Anything. I Am And Always Will Be A Student.My Payments Experience Is Completely And Utterly An Accident. I know not how to say this in a few words but it may be an interesting journey to share with you.A Nerd, A Geek And The Dreams Of Being A ScientistIt was all an accident while I was on my way to becoming a scientist. That dream got delayed. I was studying Quantum Physics and on the other end Astro Physics. This started as a university level course while a sophomore in High School. At the same time I was rather excited by electronics that start...
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Is there a card.io equivalent for checks?
Up till 2004, checks would represent the largest tonnage of cargo on commercial airlines. Here is what happened. The ability to substitute an image for a physical check is called check truncation [1]. This allows for a substitute check to be presented in place of a bonafide and authorized demand deposit account instrument. The first country to all for this method was New Zealand in 1995 when the Cheques Act of 1960 was amended to allow for this method. In the US it has always been allowed to present a demand deposit account instrument through a number of methods. Up to 1958 one could compose a check on any surface as long as there was an authorized signature, an amount, a date, a bank to be drawn on and the account number. In 1958 a new system of check sorting began with the invention of the Sort-a-Matic using a new form of ink that had suspended magnetically charged iron and formed the center of the MICR (Magnetic Ink Character Recognition Code) [2] standard that is still in use today. These are the string of numbers and characters on the bottom of the check and can be read very fast as the check runs past essentially the same type of coil induction system as tape deck head uses.Up To 2004, We Used To Fly Checks Around The WorldOn September 11, 2001 when just about all aircraft was grounded because of planes impacting the World Trade Center and Pentagon, the entire financial system was also grounded. The reason was simple, 99% of US checks were in route to destinations in the cargo area of major Airlines. This sent shock waves through business, banking and government. Thus by October 28, 2003 congress passed the Check Clearing for the 21st Century Act (Check 21 Act) [3] that mandated that the images of the check will be sent from bank to bank. The impact was massive as physical checks were imaged at source points and rendered voided after the imaging. This allows for far faster transactions for all involved. The Check 21 act allows for Remote Deposit. The methods include Point of Purchase Entry (POP) at the cashier of a retailer, Back Office Conversion Entry (BOC) for retailers that accept the check from a customer and in bulk send it in and Accounts Receivable Entry (ARC) for companies like utilities and other very large operations. Today the Check 21 act is very actively used by just about every major bank in their banking app. This allow for the consumer or business to image both sides of the check with their smartphone camera and have a direct deposit. Pictures That Are Worth A Trillion Dollars The end result for any check truncation system is to present a valid X9.37 file to the deposit institution for processing. There are a number of methods to achieve this, including scanner systems and photographic systems. The early systems were small aperture scanners similar to systems found on a 1990s era fax machine. The new systems are whole image photographs that produce a full image of the check in one pass. There are a number of patents that are related to scanning and photographing a check for the purpose of check truncation. Using a smartphone for example would touch upon perhaps 3 separate patents, however the patent holders have made the licenses quite reasonable. One company that has many options is Digital Check [4] with APIs and code to implement into any project. With this in mind there are a number of paths one can take. Most banks are using the technology from Mitek Systems [5] in San Diego. I am very familiar with the solutions and have worked with dozens of clients, both startup and legacy companies to implement parts of their solutions. Look for an exciting startup company exiting stealth mode in 2015 using some of this technology. Checks Will Be Around For Quite A Long Time There are many other options but it is all based on the project and the goals you are signNowing for. The interesting thing is check usage still represents the largest non cash aspect of the US economy with orders of magnitude more dollar volume then all forms of electronic payments [6]. ______[1] Cheque truncation[2] Magnetic ink character recognition[3] Check 21 Act[4] Clear by Digital Check[5] Deposit Checks Using Smartphone Camera[6] Page on frbservices.org
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What have real estate agents found to be the best online tools for getting leads?
Facebook & Instagram are excellent tools for real estate companies to use if they want to make the most of their social media strategy. If you want to promote real estate on Instagram, there are a few important things to consider.Using these social networks to collect leads well involves more than simply posting images regularly. You need to be able to plan and run the right, which means you need to know where to find your audience.Now let me give my personal suggestion on this matter, the best way to collect leads using Facebook & Instagram is the Facebook Lead Ads feature.Why the Facebook lead ads is so important for your brand?Here are the 4 core reasons for a business to choose Lead Ads as your advertising platform:1)It’s cheaper than the traditional types of ads. There’s no doubt that by using Lead Ads you can definitely save money of your advertising budget. Based on our experience we can confirm that using Facebook Lead ads reduces the costs per lead to less than a half of usual spend.2)It creates brand awareness. Facebook, currently the biggest social media platform is the right place to start to build your brand awareness, as makes the whole process of creating your audience and converting it into a lead, as easiest as it can be.3)It saves time. When Facebook presented Lead Ads, they announced it as tap tap done feature, and it literally is like that. It saves user’s time but also yours, as make it fast and easy for you, lead creator to prepare and manage your leads.4)It is a fully customizable tool. In fact, it is possible to customize the form with different fields like: size people business, field of study, etc…when creating an ads campaign.Don’t worry if it is your first time in the Lead Ads world I am happy to suggest to you this free guide, that will help you to learn more about this topic ;)Check out our video to discover 4 instagram tips to boos your real estate marketing strategy !
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How was life in 1993 compared to today?
Courtney and Michele and Brian covered most of it, and most of the difference between today and then was, of course, due to technology. We had to use our brains in different ways. Just as human brains are believed to have changed when writing, and then printing became wide-spread, and we no longer had to remember every fact known to humanity as oral history, and instead could store it in books. So 1993 we didn't have much in the way of online databases. There was no Medscape. There was no Google, nor any other search engine of note, because there wasn't really enough stuff online to need something as strange as a search engine.Instead, the model from the BBS days was still in use - catalogs, both paper and on the internet, listed the contact info, as well as available modem speeds and settings for hundreds or thousands of sites. Most sites didn't have much if any interaction with each other, as many of them were still basically BBS (bulletin board systems) that used internet protocol instead of direct modem dial-up. When you wanted to find out something from a government department, you picked up your landline phone and - hey, we had crappy "please hold" music back then, too - or you got in your car, or on the bus, possibly taking a half day off work, and physically WENT to the particular government office. If it was in your town. Otherwise, your options were landline telephone or snail-mail... like, typed words on paper, inserted into an envelope, and mailed.... but you had to go to the post-office for the stamps. Where I lived, satellite post offices in drug-stores and other retail establishments hadn't really caught on. Speaking of mail... we got, and sent actual snail-mail letters and greeting cards. We used snail-mail to pay bills, using paper cheques. Children with parents were a little less "wards of the state" than they are now. ATMs or ABMs existed, of course, but were not nearly as ubiquitous as they are today. The machines had not much more functionality than cash dispensers. The card that you used to identify yourself worked only with bank machines. You could not use them to buy stuff, and you could not get "cash back" from your grocery or other retail store. There were still full-service gas stations around. Self-serve gas bars still required you to go inside the store to pay for gas. The gas pump did not have a bank card reader. The 1978 movie "Superman" with Christoper Reeve, had a sight gag that would still have made sense in 1993. Way back in the early days, Clark Kent would learn of some crime or catastrophe in progress, and if he was out on the street, he would rush into the nearest phone booth to remove his street clothes and emerge in the Superman costume. Those booths were fully enclosed and had hinged doors. A bit cramped for a big guy, but a bit of privacy from bystander eyes. In the movie, Clark hears some scream for help, looks around for a booth, and does a double take as he spots an open phone kiosk with just a chest-high clear plastic wind shield. No privacy there. But in 1993, there were still landline phone booths, and you activated them by stuffing coins into them - people still carried paper money and actual coins in their pockets and purses. Vending machines accepted coins. Some might accept paper money. I don't believe that any accepted magnetic-stripe cards, because there was not really a viable internet for connection to bank accounts. It was routine to discover such vending machines with a red LED display flashing "exact change", as it had run out of enough coins to make change from paper bills. The stock market didn't fluctuate so rapidly, because most trades were done manually without the kind of automation that [over-] reacts instantly now. There was no such thing as making stock market transactions "online". In fact, the only people who did perform such transactions were brokers, and you dealt with them by phone or - wait for it.... wait for it.... - FAX (i.e., facsimile machines). Hell, real estate brokers and sales people and some lawyers and other businesses used FAX machines to send contracts back and forth to accumulate revisions, addenda, and signatures, though real estate people were still routinely doing that in the early part of this century. I think it finally died out a few years ago. But back in 1993, your BBS or internet dial-up modem might have had (gasp!) FAX capability, and you could use WinFAX Pro to make use of that... along with WOW! actual voice mail. Many people were still using tape-recording answering machines to catch calls that came into their land-line phones when they were away from home. It was routine to come home at the end of a day, come in the house, drop your coat and keys, put down the grocery bag, and press the Replay button on your answering machine to see what calls had come in. You'd press the fast-forward button to skip through obvious "spam", but we didn't call it that. Newspapers and magazines were paper-only. None of them had any online presence... there wasn't even the notion of it. There was no e-commerce to speak of - that was still years away. About the only things you could buy "online" were software and computer peripherals.... like newer and better modems. If you needed to look stuff up, you got your ass out of your chair, hopped in the car and drove to the bricks-and-mortar public library, where you sat and perused periodicals that you weren't subscribed to at home, or you used a physical card catalog to look for physical books by title and author, and then you took the identifying number that you got from the card to go find the physical book in the "stacks". If you saw immediately that it wasn't what you needed, you just put it back - it HAD to go in the correct slot on the shelf so the next seeker could find it. If it looked promising, you would take that book and maybe some others, to a table and sit there for a while. Otherwise, you would take them to the borrowing desk, present your membership/ID card, and be allowed to take the book home for a couple of weeks... after the clerk took out the card from the pouch inside the cover, and recorded your particulars, and then stashed the card in a file, so the library could know who had that copy. The book would be stamped with the date you withdrew it, so you'd remember when it was due back. If you failed to return it at the appointed time, so other people could have a chance to read/borrow it, then fines of a few cents per day were assessed until you brought it back and paid up. You could return a book, overnight by depositing it through a box/door in the wall, where it would be retrieved and processed next morning, but if you had outstanding fines, those would haunt you the next time you tried to withdraw anything. I forget what car we had then. Might have been the second-hand Volvo 740 Turbo. Loved that car, until it spilled its transmission all over the road one night, and it wanted a couple of grand to repair. It gave us several good years before that happened. In 1993, Montreal was feeling kind or worn around the edges, and "down at heels", but was still a nice city, and though the Francophone/Anglophone political friction was already in evidence, it hadn't signNowed the shrill and generally unpleasant levels that would drive us out of the province five years later. My wife and I were in the second year (or so) of flying our first zero-porosity parachutes, and _loving_ 'em. Pets that you wanted back got tattoos in their ears - there were no injectable RF chips for that purpose. Doctor and dentist offices worked entirely with paper files. There were no lasers around the dental chair. Their X-ray machines were big, clunky affairs. Many dentists were still using mercury amalgam for fillings, but those who were switching to plastics, were using clumsy, hot, high-maintenance Tungsten halogen lights with noisy fans. LED blue curing lights were still many years away. All orthodontic correction was done with metal braces, wires, and elastics. There was no such thing as graduated "Invisalign", discreet correction devices. Dentists rarely used cameras, and orthodontists might take one set of photos at the start of a treatment regime and another at the end, using (as other people said) film cameras. Early consumer digital cameras were clunky, low-resolution, expensive, slow... so almost nobody had one in 1993. Nobody you or I knew, anyway. In Canada, where I'm from, food was rarely spicy. Restaurants made a point of dumbing down Indian, Thai, Szechuan, and other normally spicy fare. Even the fake-Mex joints had wimpy chilli flavours. Most people had NOT heard of sriracha (now there's a bottle in every second desk drawer at my office... including mine, just in case lunch needs a little pick-me-up. Nobody had heard of ghost peppers... there certainly weren't eye-wateringly-spicy potato-chip flavours back then. In fact, where I shopped, there were only a few standard flavours of chips, that had been around for years, and they were all produced by the major chip/snack companies. There really weren't "boutique" brands of kettle-cooked chips, yet. Maybe you USians had it them all along, but we Canuckistanis didn't really have ready access to Minneola tangelos back then. Now there seem to be two crops per year. There's also considerably more produce from far-flung quarters of the globe, giving us a wider array in what used to be the winter off-season. In North America, in general, most people who ate "chocolate" thought that was milk chocolate. If they thought about dark chocolate at all, it was for cooking. There's been a tremendous increase in demand and appreciation for quality dark chocolate in the range of 85% cocoa and higher. There were almost no boutique chocolate producers making such things as "raw" chocolate bars. Whole Foods wasn't in Canada yet, but even in the States they would not have had the couple of dozen brands of chocolate back in '93. There just wasn't the demand, and there certainly was no notion of dark chocolate as ... health food. Cars were not computerized. They had some electronics, but most of that was individual, special-purpose controllers, not networked. Cars didn't even have HID headlights, never mind LEDs. I better stop now. My wife is getting annoyed at all the "Remember what year the..." questions. :-)
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Why was security camera footage from Dulles and Logan airports of the 9/11 attackers never released?
According to the Boston Herald, Logan did not have security cameras in the boarding area. See the article "Logan Lacks Video Cameras" Boston Herald 9/29/01 by Doug Hanchett and Robin WashingtonA video recording that purported to be that of the boarding area at Dulles has been released. The person who is alleged to be Hani Hanjour doesn’t look like him, and some people claim that the shadows on the floor are inconsistent with the time of day that the alleged hjijackers allegedly boarded flight 77. There are no time stamps on the video.Critics also point out that the recording is consistent with those made on consumer video cameras, while security cameras of the day normally shot one frame per second.http://www.consensus911.org/poin...I’ve answered a similar question here:Brian Good's answer to Are there any images/footage of the 19 hijackers of 9/11 walking through Logan, Newark and DC airports/boarding their infamous flights?
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