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The Move to Digital

Since the invention of microchips and semiconductor transistors in the 1950’s, the world has moved steadily to more and more digital information. Computers for government, then computers for business, then home computers brought vast amounts of data into digital formats, and with the birth of the World Wide Web digital information has exploded in volume.

Today, we rely on digital documents for our business operations, our finances, our government, our healthcare, our legal system, and vast amounts of news and information—both personal and public. Trusting such digital documents is critical to ascertaining truth and accurately conveying facts.

“Documents comprise evidence, and are generally assumed to amount to evidence upon which the parties and the court can rely,” explains Helen Brander for Counsel magazine. “For every point that is made, one hopes there is a document to support that point.”

The Risk of Fraud

Throughout history, there have been various techniques to authenticate documents. In the pre-industrial age, it was common in Europe for someone to sign a document in ink and to then press a wax seal on the document to indicate the authenticity of that document. It was always possible, of course, that someone could tamper with the document and forge signatures, information, or the wax seal itself.

In the modern age, the United States has notary publics who can witness a person signing a document and endeavor to authenticate the signer’s identity by inspecting a driver’s license, passport, or other form of identification for that person. Again, the risk remains that it is possible to forge such identity materials, or alter the actual documents or signatures after signing.

More recently, with the popularity of electronic or digital documents, the digitization of business processes is taking place. In other words, from the creation of documents, to the signing of documents, to the storage and subsequent retrieval of documents, one or more steps may be conducted digitally.

For example, a document may be created on a computer and subsequently printed, signed with wet ink or electronically, then faxed, delivered via courier, or scanned into the computer and finally shared electronically via email or by using other file transfer mechanisms. Despite the technology advances, such documents can still be tampered with and signatures can be forged within this process as well.

“Detecting fraud within documents that have been digitally altered with graphics editors or ‘print-manipulate-scan’ evasion techniques requires more sophistication,” notes Martin Rehak in a Help Net Security article. “Often undetectable to human fraud specialists, building an automated solution requires specialist knowledge of the metadata and digital footprints left by scanning and printing devices.”

As such, modern digital documents require a level of security as evolved and nuanced as the technologies producing, storing, and sharing the digital documents themselves.

The Security of ZorroSign

Facing this historical need, ZorroSign has developed a unique digital solution that can:

  • Prove that the individual who is performing the action to sign the document is who they claim to be (verification);
  • Apply a digital equivalent of a wet-ink signature to the document (legal intent); and,
  • Prove the authenticity of the printed copy or digital version of an electronically signed document, its content, attachments, and the signatures on it (authenticity).

ZorroSign’s patented Z-Forensics token is a tamper and fraud-detection seal for your digital documents, creating an unprecedented, immutable audit trail and complete chain-of-custody validation.

This revolutionary security system allows a validated user to create an electronic document, then allow one or more other users to complete and sign that document in a particular sequence—”the workflow”—all the while capturing the chain of custody and an audit trail of the changes made to the document by the parties in the workflow, such as recording key authentication, security and validation information when an action took place.

Unlike any other digital signature solution, ZorroSign seals all documents with our Z-Forensics token—capturing the complete audit trail and accompanying attachments and signature workflow. The token is encrypted and contains all the details about the transaction: Time stamps, user authentication, documents and attachments. 

Only the Z-Forensics token:

  • Allows ZorroSign customers to manage permissions as to who gets to see what level of information about the transaction and the contract
  • Stores the ZorroSign security encryption certificates, which—unlike other digital security certificates—never expire
  • Can verify, validate and authenticate both digital and printed (paper) version of electronically signed contracts

Our Z-Forensics feature enables ZorroSign users to create a virtual seal for every uploaded document:  initiating a verifiable trail, tracking every step of a document’s journey through users, so that any attempts at tampering, fraud, revision or other alterations are immediately captured.

To learn more about Z-Forensics and how ZorroSign can help you prevent fraud with digital documents, contact us today!

Insurance companies of all sizes—from individual agents to huge corporations—need to provide superior customer service to win new customers and sign new policies.

ZorroSign supports that superior customer service by allowing your new customers to sign documents, access those documents, and enjoy faster (remote) services with our blockchain-based digital signature and transaction platform.

Speed Signing and Form-Filling

With our patented, legally binding, fully automated digital signature technology, ZorroSign’s Z-Sign feature enables you to skip the print/sign/scan process, stop chasing paper signatures, and sign digital documents from anywhere—all the while monitoring a policy document’s current status from the ZorroSign dashboard.

Our digital signatures leverage mobile device biometrics for verification and authentication of users, signatures and documents, then stores all digital documents (and metadata on signing) to our blockchain for immutable records and audit trails. 

ZorroSign can even accept handwritten or computer-generated signatures for specific purposes, and track them immutably on our blockchain for fraud-prevention and E&O audits.

Elevate Privacy and Security

ZorroSign is built entirely on a blockchain architecture that protects identities and data—uniquely authenticating users, encrypting communications, and securing digital data immutably through its lifetime. Specifically, ZorroSign’s platform was built from the ground-up on private, permissioned Hyperledger Fabric blockchain technology.

For insurance companies that desire to securely transform paper-based workflows, ZorroSign’s digital signature and document management platform can decrease costs, reduce errors, and increase productivity. As a private blockchain, ZorroSign can ensure privacy is always maintained as only approved nodes (endpoint users) can write to ZorroSign’s blockchain. As a result, ZorroSign’s architecture has even tighter privacy and security measures than other blockchains.

Further, ZorroSign’s patented Z-Forensics token is a kind of digital seal that captures the complete audit trail and the document’s DNA. The token is encrypted and contains information on all the details about the insurance transaction including time stamps, user authentication, document, and attachments. 

Our Z-Forensics token securely reads the information from the secure ZorroSign servers so it can be accessed by the document originator or third parties (with permission from the originator) when requested. Only the Z-Forensics token:

  • Allows ZorroSign to manage permissions as to who gets to see what level of information about the transaction and the document
  • Stores the ZorroSign security encryption certificates, which—unlike other digital security certificates—never expire
  • Can verify, validate and authenticate both digital and printed (paper) version of electronically signed documents

Reduce Errors and Omissions (E&O)

Make your critical insurance form-fill completion process smarter, faster and more accurate using ZorroSign’s automated engine, Z-Fill

Built with artificial intelligence (AI) and machine learning (ML) to speed form completion and increase accuracy, ZorroSign’s Z-Fill feature helps your customers fill forms with ease by anticipating entries, reduces errors by matching profile information to form-fill options, and learns from historical form-fills to anticipate more and more entries over time.

Plus all of your insurance documents can be stored on ZorroSign’s Z-Vault for regulatory compliance and the immutability of signed documents, metadata, and workflow records.  Z-Vault enables you to store, structure, organize and search documents in folders and subfolders natively, with the peace of mind that comes from superior blockchain privacy and security.

Improve Customer Service

All ZorroSign’s benefits for your insurance business map right back to customers as well:

  • Digital signatures allow customers to sign at their convenience, wherever and whenever they prefer
  • Elevated privacy and security for all insurance documents and transactions
  • Form-fill automation to reduce errors and omissions (and improve regulatory compliance)
  • Plus a secure document management system for immutable records that can readily be audited for details or history


ZorroSign helps bring your insurance business into the digital age:  Speeding customer processes and service, helping your organization “go green” with paperless operations, and allowing you to serve customers from anywhere, anytime!

Learn more about how ZorroSign serves the insurance industry, contact us with any questions, or start your 14-day free trial and bring these benefits to your insurance business today!

Banks, credit unions, investment groups, lenders, and other financial service providers use ZorroSign’s digital platform to lower operating costs while protecting privacy and data security. Only ZorroSign pairs digital signatures with blockchain technology—delivering 21st century security to the age-old ceremony of signing agreements.

FINANCIAL SERVICES INDUSTRY NEEDS

Anyone managing technology for a financial services provider feels the stress of managing data, networks, and endpoint devices in a world where cyber attacks, regulatory compliance, and customer needs are changing quickly. 

To ensure their financial organizations are secure, compliant, and delivering easy to use customer-facing solutions, IT departments need the latest technologies but also proven solutions. ZorroSign is proud to protect financial services data—for customers, for regulators, and for the institutions themselves.

TRANSFORM YOUR FINANCIAL SERVICES WITH SUPERIOR SECURITY

Whether you’re a financial advisor or lender, a bank, credit union, or other services provider, you need fully compliant, automated, blockchain-level security and digital transactions you can trust. ZorroSign delivers:

  • Unbeatable user authentication, validation and privacy, with superior data and document security
  • A secure, paperless digital signature solution that’s easy to use, so you can “sign it and forget it”
  • Workflow automation that saves times and eliminates paper—streamlining approvals, signatures, and workflows
  • Error-free forms filled out and processed faster via artificial intelligence and machine learning

Financial institutions need privacy and security, but also need to know their technology solutions meet regulatory compliance.  ZorroSign’s platform is compliant with the Digital Millennium Copyright Act, UETA, the ESIGN Act, GDPR, plus ISAE 3402 Type II certified, SOC II Type 1 certified, and ISO 27001 certified while supporting HIPAA, ADA, WCAG 2.1, CCPA, New York SHIELD Act, and other standards varying country by country.

For banks, credit unions, and other financial service providers that desire to securely transform paper-based workflows, ZorroSign’s digital signature and document management platform can decrease costs, reduce errors, and increase productivity.

As a private blockchain, ZorroSign can ensure privacy is always maintained as only approved nodes (endpoint users) can write to ZorroSign’s blockchain. As a result, ZorroSign’s architecture has even tighter privacy and security measures than other blockchains.

ADD IDENTITY-AS-A-SERVICES (IDAAS) TO KNOW-YOUR-CUSTOMERS (KYC)

Beyond digital signatures, ZorroSign delivers identity-as-a-service (IDaaS) to verify financial services users and support know-your-customer (KYC) requirements:

  • ZorroSign technology leverages the biometric capabilities of hardware endpoints to verify user identities
  • ZorroSign is the first to adopt password-less login amongst our digital signature competitors
  • ZorroSign MFA provides maximum security, as before a user can sign a document, our platform can validate multiple dimensions of authentication based on the transaction security needs: What you know (i.e., your ZorroSign login password), what you have (e.g., your laptop or mobile device), who you are (e.g., biometrics such as fingerprints or eye iris on the device securing who can access it), etc.

Additionally, ZorroSign users can optionally use our dynamic knowledge-based authentication (KBA) feature provided by LexisNexis. KBA requires the knowledge of private information of the individual to prove that the person providing identity information is the actual person.

Moving forward, ZorroSign will be adding further user verification capabilities, including integrations with U.S. driver licenses via state motor vehicle departments, verification via passports (with approximately 72 countries to start), other government-issued identities (with approximately 100 countries to start), and even tapping U.S. credit union databases for identity verifications.

Further, we will be implementing a blockchain-based audit trail for all user activities—including profile updates, signature changes, etc.—and will maintain a separate blockchain to maintain users’ signatures. With these immutable blockchain records, we can uniquely validate users in ways no competitive solution can.

We invite you to request a copy of our ZorroSign Security Brief to learn how our private blockchain architecture, document storage and protection, and platform security measures can support your financial service clients today!