Securing the Process of Insurance Application

Abstract— Legislation in many countries treats electronic signatures similar to autographic ones. Completely electronic processes thereby are theoretically possible but customers today have neither knowledge nor means to issue electronic signatures. This study describes a process that will produce some reliable signature without the need of preparation on side of the customer. As an example the insurance application processes that usually still relies on paper forms is inspected. A threat model for a generic process is described and countermeasures like cryptography, biometric features, tamper-resistant devices, timestamps, signature databases and others are discussed. A show case combining the useful measures to a reliable process is presented as well. The proposed process can be implemented with commercially available components.