New Signature Derivation Using Existing Signatures

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Executive Summary

In banks, as part of normal procedure, receipts for deposits, statements of the bank account or credit card account are regularly issued to customers. This whole procedure is time consuming. Also, officials often find it difficult to sign for all the documents required by a customer though the related sub-processes are completed and corresponding documents are digitally signed. The authors consider the scenario of e-receipt generation during e-cheque processing, where the sub-process like e-cheque verification and receiving acknowledgement from cheque clearing bank are completed and digitally signed. But there is need for e-receipt to be generated by the bank for the customer. When the number of e-cheques increase, it is a burden for the bank to issue e-receipts.

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