How Do I eSignature Michigan Banking Presentation
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Frequently asked questions
How do i add an electronic signature to a word document?
When a client enters information (such as a password) into the online form on , the information is encrypted so the client cannot see it. An authorized representative for the client, called a "Doe Representative," must enter the information into the "Signature" field to complete the signature.
How to generate an electronic signature?
The answer lies in the history of cryptography and how it developed over the years.
In 1792, Joseph Priestly and Charles Babbage published their "Mathematical Notations of Natural Philosophy" for the purpose of designing an encrypted book. The work was a huge success and Priestly wrote a book on how to make the book's encryption more secure. Babbage, however, did not think there was any point in encrypting books, as they could be read easily from the outside. He wanted the encryption to be hidden from anyone who read it.
This is where the use of secret keys comes into the picture. The key was what was used to encrypt data. Once that data was decrypted, the key was used, and that was it, the data was revealed, and the secret key needed to be used again.
It is only a handful of keyed computers in existence today and it only became a widespread practice after the advent of encryption. The term "keyed" refers to the fact that once you have a system of encryption, you also need to have a way to create, verify, and remember the secret keys that secure it.
How did this all come to be?
The first keyed electronic computer was named Babbage's Universal Computer and was built in London in 1839 by Bach. It was based on Babbage's design and it was a great success. In fact, the Babbage-Mersenne-Rey codebook was used by the US Navy during World War 2. However, the original project was a tremendous failure. The cost of construction was astronomical and it ran out of money before it h...
How do they know an electronic signature is actually you?
And, more importantly, does it have a secret meaning, and are you actually the owner and not just someone pretending to be you?
The answer seems to be yes. In fact, it's the best answer any of the researchers could come up with: They believe that it's the secret to a digital signature, and their findings have been published in the academic literature.
The paper is entitled "Secret Authenticity of Digital Signatures: the case of the 'IOU'" and is a collaboration between the researchers and David Chaum, the author of the famous paper on digital signatures that was used to prove the security of electronic cash transactions over the Internet in 1999.
It was a pretty big deal back in 1999, because it proved that it's possible to make an electronic currency that is not vulnerable to "double spending" -- where the money itself can be duplicated and used to defraud the network.
And since then, digital signatures have been at the center of many new innovations in electronic banking, and now the technology has moved out-of-the-box into other areas, like online payment systems, the blockchain, and smart contracts.
And Chaum, who is also the author of the classic book "Digital Money: Theory and Practice," has been working to prove that electronic signatures are more than just something that can be used for digital signatures.
He did that with a proof-of-concept experiment at the University of Illinois a decade or so ago. He wanted to see whether it could be possible to take an el...
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