SignatureLink's solution for E-Commerce begins with "friendly fraud" in mind. We are passionate about helping to eradicate illegitimate chargebacks associated with online fraudulent purchases. By instituting a Signature Pad at the online point of sale, fraudulent activity is reduced as a result of the emotional response associated when humans certify themselves with a signature. Capture signatures in real-time and get proof of purchase for every order. SignatureLink currently offers a wide variety of solutions for Ecommerce Stores and Merchant providers.
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Business Benefits:

• Chargeback Reduction
• Agreement Process Cycle Time Efficiency
• Fraud Prevention / Increased Security Measures
• Documentation Access Efficiency (24/7)
• Remote Contributions from Multiple Parties (Streamline Workflow)
• Online Document Management (Author, Edit, Manage, etc.)
• Perfect for companies in E-Commerce

Features and Functions:

SignatureLink's web-based on-demand technology is centered on the real-time capturing of electronic biometric signatures. The capturing device (Signature Pad) can be embedded within a webpage or document file. Upon successful validation of a Signature Pad transaction, the signer's signature is captured as an encrypted image and embedded within a secure Adobe Acrobat (.PDF) document. A barcode may optionally be attached to the signature image for even deeper security assurance.

SignatureLink's easy-to-use Client Administration Center is equipped with reporting tools to enable clients the ability to run reports against dimensions such as Signature Pad usage and data analysis. In addition, clients can query and view stored agreements 24/7.

Technical Specifications Step-by-Step:

Standard Authorization Data Flow

In the Standard Authorization flow the merchant's technology communicates directly with the gateway. The SignatureLink technology captures the signature and assigns a unique signature ID with the transaction. The signature ID is transformed into a barcode which is embedded into the electronic signature. Additional data related to the transaction can be passed to the signature server from the Signature Pad; i.e. Order Number, Customer Information, Customer ID, et al.

The consumer provides their standard credit card payment information (i.e. Credit Card Number, Expiration Date and Address) and signs the Signature Pad.

1. The signature is sent to the Signature Server over a secure Internet connection. The server generates a unique identifier and barcode. Then the user's signature, barcode, IP address and additional data fields are embedded into the Terms and Conditions agreement. The agreement is encrypted and stored on the server.
2. Unique identifier is sent back to the Signature Pad over the secure connection.
3. Signature Pad submits the form with the unique signature ID to the Merchant's server or designated URL.
4. Merchant sends a request for authorization over a secure Internet connection.
5. Gateway validates the payment information, and then sends a request for authorization.
6. Processor sends the transaction to the card association (CA).
7. Card association routes it to the issuing bank for the consumer's credit card.
8. Issuing bank approves or declines the request.
9. Card association routes the response back to the processor.
10. The processor sends the auth response back to the gateway.
11. The gateway sends the auth response back to the merchant.
12. The merchant displays the appropriate webpage and message to the consumer.

Alternate Authorization Data Flow — Signature Pad Acts as a Sub-gateway

The consumer provides their standard credit card payment information (i.e. Credit Card Number, Expiration Date and Address) and signs the Signature Pad.

1. The signature is sent to the Signature Server over a secure Internet connection. The server generates a unique identifier and barcode. Then the signature, barcode, their IP address and additional data are embedded into the Terms and Conditions agreement. The agreement is encrypted and stored on the server.
2. Unique identifier is sent back to the Signature Pad over the secure connection.
3. Signature Pad sends a request for authorization over a secure Internet connection.
4. Gateway validates the payment information, and then sends a request for authorization.
5. Processor sends the transaction to the card association (CA).
6. Card association routes it to the issuing bank for the consumer's credit card.
7. Issuing bank approves or declines the request.
8. CA routes the response back to the processor.
9. Processor sends the auth response back to the gateway.
10. Gateway sends the auth response back to the Signature Pad.
11. Signature Pad submits the form with the unique signature ID and authorization to the Merchant's server or designated URL.
12. Merchant displays the appropriate webpage and message to the consumer.