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Journal of Theoretical and Applied Electronic Commerce Research ISSN 0718 1876 Electronic Version VOL 4 / ISSUE 3 / DECEMBER 2009 / 72-79 2009 Universidad de Talca Chile This paper is available online

To take advantage of this, we propose to employ a cryptographic mechanism in order to validate and authenticate the electronic customer signature. In so doing, the use of such technology provides a means by which business processes can be protected for e-commerce companies that provide electronic transactions, and thereby help to preserve their competitiveness on the marketplace. In our opinion, the proposed system provides a cost-effective and secure means of signing and authenticating electronic documents. We have selected the insurance industry as our case study, but we believe the general principles of the method should be generally applicable to other industries in which business processes are required to be digitally authenticated. By taking advantage of the cryptographic mechanism and the secure communications link, we have tested the proposed system in an operational setting. Although the implementation of such a system in a company operating in general insurance, is not of itself revolutionary, it does not offer much scope to avoid the need for further technical advances and/or to employ alternative methods which take advantage of the existing technical infrastructure. However, we believe it gives a good indication on the feasibility of the proposed system. We have studied the insurance sector in close detail and have found ourselves in situations where, due to a number of factors, the existing and proposed technology do not fulfill the requirements of the business process. However, due to the fact that the technology employed is a commercially available product used with many clients, most companies have had the opportunity so far to experiment with different ways in order to find the correct solution for their particular case. Although these experiments have been successful in some fields, the implementation was not a complete success, and the final situation in all cases has led to the adoption of some technical changes or an entirely new system. Our study has demonstrated that, in some cases, alternative technical solutions could allow the use of a commercially available product without any loss of performance or security performance, whilst allowing for a good security protection. We believe this demonstrates that we may be in danger when trying to rely on proprietary technology which is very expensive: it is far from obvious that such an approach could be successful in general. Nevertheless, we believe that one step further could have been taken, and that is to have developed another product using industry standards. It would be appropriate, as explained above, to introduce an electronic signature into the existing and expected system to protect the electronic signatures that have been entered by users.

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Securing electronic customer-signatures is the process of protecting and ensuring the authenticity and integrity of electronic signatures used by customers during online transactions.

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To fill out securing electronic customer-signatures, the organization needs to implement secure digital signature technology, establish policies and procedures to verify the identities of customers, protect the integrity of signatures, and comply with relevant regulations.

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The purpose of securing electronic customer-signatures is to ensure the authenticity, integrity, and legal validity of electronic signatures in online transactions, thereby providing a secure and trustworthy environment for electronic commerce.

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The specific information to be reported on securing electronic customer-signatures may vary depending on the regulations and requirements of the jurisdiction. Generally, it includes details of the signature verification process, customer identification measures, and any incidents or breaches related to electronic customer signatures.

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