Shopping on line can be easy, simple and save you lots of money. It can also take a lot of your time, frustrate you, and result in unwanted purchases. Now the same can be said for regular high street shopping, but with the vast opportunity presented by the Internet it will pay you to spend a few minutes reading this and understanding how to better optimize your Electronic Signature shopping experience:

1. Compare - without doubt the biggest advantage that the Electronic Signature offers shoppers today is the ability to compare thousands of Electronic Signature at a time. This is a great thing, but not necessarily all the time! Too much can be daunting at times so take advantage of the great comparison sites and where possible let them do the hard work for you.

2. Research - if it has been said it will be on the internet. Ignorance is no longer a justifiable reason for buying the wrong thing. Take the time to research in detail everything that you could possible want to know about

3. Testimonials - don't know anybody that has bought a Electronic Signature? Wrong! If the Electronic Signature is good the internet will let you know. Use the Internet as a friend and get testimonials before you buy.

4. Questions - Got a question about Electronic Signature then search the Forums, FAQ's, Blogs etc. Don't be afraid to ask .....

5. Reputation - Never heard of the company selling Electronic Signature? Don't worry, no reason why you should know every company in the world, but you know someone that does! Use the internet to find out what people are saying about Electronic Signature and build up a picture of their reputation for sales, returns, customer service, delivery etc.

6. Returns - still worried that even after all of the above your Electronic Signature wont be what you want? Check out the returns policy. There is so much competition now that someone, somewhere is bound to offer the terms that you are comfortable with.

7. Feedback - happy with your Electronic Signature then let people know, after all you are depending on others people input in your buying decision, so why not give a little back.

8. Security - check for the yellow padlock on the Electronic Signature site before you buy, and the s after http:/ /i.e. https:// = a secure site

9. Contact - got a question about Electronic Signature, or want to leave a comment then check out the sites contact page. Reputable companies have them and respond.

10. Payment - ready to pay for your Electronic Signature, then use your credit card or PayPal! Be aware of companies that don't accept them, there may be genuine reasons but given the huge amount of choice you have when buying online there is no reason at all not to buy via credit card or PayPal.

The term electronic signature has several meanings. In recent US law, influenced by American Bar Association committee white papers and the National Conference of Commissioners on Uniform State Laws (NCCUSL), electronic signature means "an electronic sound, symbol, or process, attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record." This definition comes from the Uniform Electronic Transactions Act or "UETA" released by NCCUSL in 1999. The U.S. Electronic Signatures in Global and National Commerce Act of 2000 US ESIGN Act of 2000 enacted on a federal level many of the core concepts of UETA. 46 US states, the District of Columbia, and the US Virgin Islands have enacted UETA.

The concept itself is not new. US and other common law contains references to telegraph signatures and faxed signatures, some as far back as the mid-19th century. For that matter, the text of, and comments to, US Federal Rules of Evidence 1001, 1002, and 1003, among others, give good support for the proposition that electronic records and signatures would be admissible in court.

There is confusion between the terms electronic signature and digital signature. Most, especially those with an information theory or cryptography background, use "digital signature" to refer to a digital signature protocol using cryptographic techniques, as is sometimes applied to an 'electronic document'. Many, however, use the terms interchangeably, leading to considerable confusion as cryptographic signature techniques are very different, whatever the term used, than other electronic signatures and have extremely different security properties. Since it is the security properties which are of interest in signatures of all kinds, this is a very significant distinction. Digital signature is properly a subset of electronic signature. University of Virginia State of WI National Archives of Australia CIO

In the European Union, the EU Directive on Electronic Signatures or the EU Electronic Signatures Directive was published in the Official Journal of the European Union, as Directive 1999/93/EC of the European Parliament and of the Council of 13 December 1999 on a Community framework for electronic signatures (OJ No L 13 p.12 19/1/2000) Directive 1999/93/EC.

History and Examples of Use Beginning well before the US Civil War (ca 1860), Morse code was used to electronically send messages by telegraph, some of which involved agreement to contracts. An early acceptance of the enforceable validity of electronic signatures of this kind came from the New Hampshire Supreme Court in 1869.

In the 1980’s, many companies and even some individuals began using fax machines for high-priority or time sensitive delivery of paper based documents. Although a signature in such cases was typically on a piece of physical paper, the image capturing process and the transmission of a copy of the signature was done electronically The History of eSign.

Courts in various jurisdictions have decided that enforceable electronic signatures can include agreements made via email, by entering a person identification number "PIN" into an Automated teller machine bank machine, 'signing' a credit/debit slip with a Graphics tablet at a sales counter, Digital pen pad solutions, acceptance of the terms of an End-User License Agreement via clickwrap when installing software, or by signing electronic documents online.

Legality of electronic signatures Legal definitions Various laws have been passed internationally to facilitate commerce by the use of electronic records and signatures in interstate and foreign commerce. The intent is to ensure the validity and legal effect of contracts entered into electronically. For instance,

esign Act Sec 106 definitions Analysis of the ESIGN Act:(2) ELECTRONIC- The term `electronic' means relating to technology having electrical, digital, magnetic, wireless, optical, electromagnetic, or similar capabilities. (4) ELECTRONIC RECORD- The term `electronic record' means a contract or other record created, generated, sent, communicated, received, or stored by electronic means. (5) ELECTRONIC SIGNATURE- The term `electronic signature' means an electronic sound, symbol, or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to sign the record.

gpea Sec 1710 definitions:(1) ELECTRONIC SIGNATURE.—the term "electronic signature" means a method of signing an electronic message that— (A) identifies and authenticates a particular person as the source of the electronic message; and (B) indicates such person's approval of the information contained in the electronic message.

Ueta Sec 2 definitions:(5) "Electronic" means relating to technology having electrical, digital, magnetic, wireless, optical, electromagnetic, or similar capabilities. (6) "Electronic agent" means a computer program or an electronic or other automated means used independently to initiate an action or respond to electronic records or performances in whole or in part, without review or action by an individual. (7) "Electronic record" means a record created, generated, sent, communicated, received, or stored by electronic means. (8) "Electronic signature" means an electronic sound, symbol, or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record.

Federal Reserve 12 CFR 202 definitions: refers to the ESIGN Act

Commodity Futures Trading Commission 17 CFR Part 1 Sec. 1.3 definitions:(tt) Electronic signature means an electronic sound, symbol, or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record.

Food and Drug Administration 21 CFR Sec. 11.3 definitions:(5) Digital signature means an electronic signature based upon cryptographic methods of originator authentication, computed by using a set of rules and a set of parameters such that the identity of the signer and the integrity of the data can be verified. (7) Electronic signature means a computer data compilation of any symbol or series of symbols executed, adopted, or authorized by an individual to be the legally binding equivalent of the individual's handwritten signature.

Legal Test of electronic signatures In law, if a signature on a contract or other document is contested, the signature must meet certain tests before a court will uphold them if contested. These requirements vary by jurisdiction, but various sorts of signatures, some entirely electronic teleprinter addresses (for example, ABC Company sends a Telex to XYZ Company making an offer at a particular price. The offer was held to be binding when the 'signature' was challenged.), telegrams (for example, "I ACCEPT, SMITH" even though Smith never actually touched the telegraph key), and faxes of documents, even in some cases where the original was not signed by the sender.

A central question in such cases is forgery of assent, and in these decisions, courts have held that forgery and spoofing can be in practice ruled out. Nevertheless, it is easily possible, for many electronic methods of signature, or imputed signature, to forge or spoof assent. The rapidly rising problem of identity theft illustrates the ease of such forgeries.

Often, businesses rely on other means to attempt to ensure an electronic signature is correct, including talking with the signing person directly or over the phone before an electronic signing, having an ongoing business relationship, and receiving payment or other indications of intent to do business that do not rely solely on a signed document. This is good business practice even in the paper world, as forgeries have been common there since time immemorial. Fraud is a common issue in all signature situations, and neither type of signature (paper or electronic) provides fully effective anti-fraud protections.

None of the electronic signatures in these examples are digital signatures in that there is no cryptography assurance of the sender's identity, and no integrity check on the text received. However, all are electronic signatures, and all have been found legally binding in some circumstances.

Laws regarding use of electronic signatures See also Digital signatures and law.

Pseudo-legal use of imputed electronic signatures Some web sites and software EULAs contain terms that assert that various electronic and other actions give rise to legally effective signatures. For example, a web page might announce that, by accessing the site at all, you have agreed to a certain set of terms and conditions. A software product might assert, in its packaging or on an early installation screen, that by using it you have agreed to licensing terms. These may or may not have been discernible prior to sale, and may or may not be completely displayed even at installation. Such licenses often include such restrictions as a prohibition of reviewing the product for publication (electronic or otherwise) without prior permission of the publisher/distributor, or prohibition on studying the product (i.e., reverse engineering) for an otherwise lawful purpose such as producing data files in a compatible format. Some such claims would appear to be contrary to patent law (which requires public disclosure as a condition of granting a patent) or to copyright law which does the same for works available to the public, or to contract law which requires informed knowing assent to reasonable contract terms as a condition of enforceability in court. Only if all such covered matters are trade secrets would many such clauses appear sustainable, but even so a condition of trade secrecy is maintenance of the secret by the holder. This may not be met in the case of a widely distributed product offered for sale to anyone.

The legal status of such claims is uncertain. In the US, only two states have adopted a new revision of the Uniform Commercial Code which authorize such licensing restrictions, with disclosure after purchase. The validity of such terms remains uncertain, despite the views of many EULA authors. Analogies to the physical world in which contracts and signatures are written, signed, and stored in tangible form suggest that analogous terms would not be acceptable. In the UK, Regulation 9 of the Electronic-Commerce (EC Directive) Regulations 2002 (SI 2002/2013) requires that a purchaser is able to determine in advance “the different technical steps to follow to conclude the contract.”

Cryptographic signatures An electronic signature may incorporate a digital signature if it uses cryptography to assure, at the least, both message integrity and authenticity. For example, a proposed contract accepted by a vendor and returned via email to the purchaser after being digitally signed. In fact, in modern practice, a digital signature of some text is always electronically processed in some sense, for the cryptographic mechanisms are impracticable without computers. In theory however, this is not required. Because of the use of message digest, any changes to a digitally signed document will be readily detectable if tested for, and the attached signature cannot then be taken as valid.

It is important to understand the digital signature are much more than an error checking technique akin to checksum algorithms, or even high reliability error detection and correction algorithms such as Reed-Solomon. These can offer no assurance that the text has not been tampered with, as all can be regenerated as needed by a tamperer. In addition, no message integrity protocols include error correction, for to do so would destroy the tampering detection feature.

Popular electronic signature standards include the OpenPGP standard supported by Pretty Good Privacy and GnuPG, and some of the S/MIME IETF standards. All current cryptographic digital signature schemes require that the recipient have a way to obtain the sender's public key with assurances of some kind that the public key and sender identity properly belong together, and that message integrity measures (also digital signatures) which assure that neither the attestation nor the value of the public key can be surreptitiously changed. A secure channel is not typically required.

A digitally signed text may also be encrypted for protection during transmission, but this is not required when most digital signature protocols have been properly carried out. Confidentiality requirements will be the guiding consideration.

References

Books For books in English on electronic signatures, see:Stephen Mason, Electronic Signatures in Law (Tottel, second edition, 2007); Dennis Campbell, editor, E-Commerce and the Law of Digital Signatures (Oceana Publications, 2005); Lorna Brazell, Electronic Signatures Law and Regulation, (Sweet & Maxwell, 2004); M. H. M Schellenkens, Electronic Signatures Authentication Technology from a Legal Perspective, (TMC Asser Press, 2004).

For translations of electronic signature cases from Europe, Brazil, China and Colombia into English, see the Digital Evidence Journal

External links The term electronic signature has several meanings. In recent US law, influenced by American Bar Association committee white papers and the National Conference of Commissioners on Uniform State Laws (NCCUSL), electronic signature means "an electronic sound, symbol, or process, attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record." This definition comes from the Uniform Electronic Transactions Act or "UETA" released by NCCUSL in 1999. The U.S. Electronic Signatures in Global and National Commerce Act of 2000 US ESIGN Act of 2000 enacted on a federal level many of the core concepts of UETA. 46 US states, the District of Columbia, and the US Virgin Islands have enacted UETA.

The concept itself is not new. US and other common law contains references to telegraph signatures and faxed signatures, some as far back as the mid-19th century. For that matter, the text of, and comments to, US Federal Rules of Evidence 1001, 1002, and 1003, among others, give good support for the proposition that electronic records and signatures would be admissible in court.

There is confusion between the terms electronic signature and digital signature. Most, especially those with an information theory or cryptography background, use "digital signature" to refer to a digital signature protocol using cryptographic techniques, as is sometimes applied to an 'electronic document'. Many, however, use the terms interchangeably, leading to considerable confusion as cryptographic signature techniques are very different, whatever the term used, than other electronic signatures and have extremely different security properties. Since it is the security properties which are of interest in signatures of all kinds, this is a very significant distinction. Digital signature is properly a subset of electronic signature. University of Virginia State of WI National Archives of Australia CIO

In the European Union, the EU Directive on Electronic Signatures or the EU Electronic Signatures Directive was published in the Official Journal of the European Union, as Directive 1999/93/EC of the European Parliament and of the Council of 13 December 1999 on a Community framework for electronic signatures (OJ No L 13 p.12 19/1/2000) Directive 1999/93/EC.

History and Examples of Use Beginning well before the US Civil War (ca 1860), Morse code was used to electronically send messages by telegraph, some of which involved agreement to contracts. An early acceptance of the enforceable validity of electronic signatures of this kind came from the New Hampshire Supreme Court in 1869.

In the 1980’s, many companies and even some individuals began using fax machines for high-priority or time sensitive delivery of paper based documents. Although a signature in such cases was typically on a piece of physical paper, the image capturing process and the transmission of a copy of the signature was done electronically The History of eSign.

Courts in various jurisdictions have decided that enforceable electronic signatures can include agreements made via email, by entering a person identification number "PIN" into an Automated teller machine bank machine, 'signing' a credit/debit slip with a Graphics tablet at a sales counter, Digital pen pad solutions, acceptance of the terms of an End-User License Agreement via clickwrap when installing software, or by signing electronic documents online.

Legality of electronic signatures Legal definitions Various laws have been passed internationally to facilitate commerce by the use of electronic records and signatures in interstate and foreign commerce. The intent is to ensure the validity and legal effect of contracts entered into electronically. For instance,

esign Act Sec 106 definitions Analysis of the ESIGN Act:(2) ELECTRONIC- The term `electronic' means relating to technology having electrical, digital, magnetic, wireless, optical, electromagnetic, or similar capabilities. (4) ELECTRONIC RECORD- The term `electronic record' means a contract or other record created, generated, sent, communicated, received, or stored by electronic means. (5) ELECTRONIC SIGNATURE- The term `electronic signature' means an electronic sound, symbol, or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to sign the record.

gpea Sec 1710 definitions:(1) ELECTRONIC SIGNATURE.—the term "electronic signature" means a method of signing an electronic message that— (A) identifies and authenticates a particular person as the source of the electronic message; and (B) indicates such person's approval of the information contained in the electronic message.

Ueta Sec 2 definitions:(5) "Electronic" means relating to technology having electrical, digital, magnetic, wireless, optical, electromagnetic, or similar capabilities. (6) "Electronic agent" means a computer program or an electronic or other automated means used independently to initiate an action or respond to electronic records or performances in whole or in part, without review or action by an individual. (7) "Electronic record" means a record created, generated, sent, communicated, received, or stored by electronic means. (8) "Electronic signature" means an electronic sound, symbol, or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record.

Federal Reserve 12 CFR 202 definitions: refers to the ESIGN Act

Commodity Futures Trading Commission 17 CFR Part 1 Sec. 1.3 definitions:(tt) Electronic signature means an electronic sound, symbol, or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record.

Food and Drug Administration 21 CFR Sec. 11.3 definitions:(5) Digital signature means an electronic signature based upon cryptographic methods of originator authentication, computed by using a set of rules and a set of parameters such that the identity of the signer and the integrity of the data can be verified. (7) Electronic signature means a computer data compilation of any symbol or series of symbols executed, adopted, or authorized by an individual to be the legally binding equivalent of the individual's handwritten signature.

Legal Test of electronic signatures In law, if a signature on a contract or other document is contested, the signature must meet certain tests before a court will uphold them if contested. These requirements vary by jurisdiction, but various sorts of signatures, some entirely electronic teleprinter addresses (for example, ABC Company sends a Telex to XYZ Company making an offer at a particular price. The offer was held to be binding when the 'signature' was challenged.), telegrams (for example, "I ACCEPT, SMITH" even though Smith never actually touched the telegraph key), and faxes of documents, even in some cases where the original was not signed by the sender.

A central question in such cases is forgery of assent, and in these decisions, courts have held that forgery and spoofing can be in practice ruled out. Nevertheless, it is easily possible, for many electronic methods of signature, or imputed signature, to forge or spoof assent. The rapidly rising problem of identity theft illustrates the ease of such forgeries.

Often, businesses rely on other means to attempt to ensure an electronic signature is correct, including talking with the signing person directly or over the phone before an electronic signing, having an ongoing business relationship, and receiving payment or other indications of intent to do business that do not rely solely on a signed document. This is good business practice even in the paper world, as forgeries have been common there since time immemorial. Fraud is a common issue in all signature situations, and neither type of signature (paper or electronic) provides fully effective anti-fraud protections.

None of the electronic signatures in these examples are digital signatures in that there is no cryptography assurance of the sender's identity, and no integrity check on the text received. However, all are electronic signatures, and all have been found legally binding in some circumstances.

Laws regarding use of electronic signatures See also Digital signatures and law.

Pseudo-legal use of imputed electronic signatures Some web sites and software EULAs contain terms that assert that various electronic and other actions give rise to legally effective signatures. For example, a web page might announce that, by accessing the site at all, you have agreed to a certain set of terms and conditions. A software product might assert, in its packaging or on an early installation screen, that by using it you have agreed to licensing terms. These may or may not have been discernible prior to sale, and may or may not be completely displayed even at installation. Such licenses often include such restrictions as a prohibition of reviewing the product for publication (electronic or otherwise) without prior permission of the publisher/distributor, or prohibition on studying the product (i.e., reverse engineering) for an otherwise lawful purpose such as producing data files in a compatible format. Some such claims would appear to be contrary to patent law (which requires public disclosure as a condition of granting a patent) or to copyright law which does the same for works available to the public, or to contract law which requires informed knowing assent to reasonable contract terms as a condition of enforceability in court. Only if all such covered matters are trade secrets would many such clauses appear sustainable, but even so a condition of trade secrecy is maintenance of the secret by the holder. This may not be met in the case of a widely distributed product offered for sale to anyone.

The legal status of such claims is uncertain. In the US, only two states have adopted a new revision of the Uniform Commercial Code which authorize such licensing restrictions, with disclosure after purchase. The validity of such terms remains uncertain, despite the views of many EULA authors. Analogies to the physical world in which contracts and signatures are written, signed, and stored in tangible form suggest that analogous terms would not be acceptable. In the UK, Regulation 9 of the Electronic-Commerce (EC Directive) Regulations 2002 (SI 2002/2013) requires that a purchaser is able to determine in advance “the different technical steps to follow to conclude the contract.”

Cryptographic signatures An electronic signature may incorporate a digital signature if it uses cryptography to assure, at the least, both message integrity and authenticity. For example, a proposed contract accepted by a vendor and returned via email to the purchaser after being digitally signed. In fact, in modern practice, a digital signature of some text is always electronically processed in some sense, for the cryptographic mechanisms are impracticable without computers. In theory however, this is not required. Because of the use of message digest, any changes to a digitally signed document will be readily detectable if tested for, and the attached signature cannot then be taken as valid.

It is important to understand the digital signature are much more than an error checking technique akin to checksum algorithms, or even high reliability error detection and correction algorithms such as Reed-Solomon. These can offer no assurance that the text has not been tampered with, as all can be regenerated as needed by a tamperer. In addition, no message integrity protocols include error correction, for to do so would destroy the tampering detection feature.

Popular electronic signature standards include the OpenPGP standard supported by Pretty Good Privacy and GnuPG, and some of the S/MIME IETF standards. All current cryptographic digital signature schemes require that the recipient have a way to obtain the sender's public key with assurances of some kind that the public key and sender identity properly belong together, and that message integrity measures (also digital signatures) which assure that neither the attestation nor the value of the public key can be surreptitiously changed. A secure channel is not typically required.

A digitally signed text may also be encrypted for protection during transmission, but this is not required when most digital signature protocols have been properly carried out. Confidentiality requirements will be the guiding consideration.

References

Books For books in English on electronic signatures, see:Stephen Mason, Electronic Signatures in Law (Tottel, second edition, 2007); Dennis Campbell, editor, E-Commerce and the Law of Digital Signatures (Oceana Publications, 2005); Lorna Brazell, Electronic Signatures Law and Regulation, (Sweet & Maxwell, 2004); M. H. M Schellenkens, Electronic Signatures Authentication Technology from a Legal Perspective, (TMC Asser Press, 2004).

For translations of electronic signature cases from Europe, Brazil, China and Colombia into English, see the Digital Evidence Journal

External links

Electronic signature - Wikipedia, the free encyclopedia
The term electronic signature has several meanings. In recent US law, influenced by ABA committee white papers and the National Conference of Commissioners on Uniform State Laws ...

Digital signature - Wikipedia, the free encyclopedia
For translations of electronic signature cases from Europe, Brazil, China and Colombia into English, see the Digital Evidence and Electronic Signature Law Review

Electronic Signature Regulations now in force in UK | OUT-LAW.COM
On 8th March 2002, new laws came into force in the UK implementing an EU Directive on electronic signatures which should have been incorporated in full into the laws of all ...

Electronic signature pad & software - CSSN
Our signature solutions enable businesses to implement a truly paperless, eSignature-driven, business processes. Weather you are looking to capture a digital image, or a more ...

Signature. - Electronic Arts UK Community
Could somebody please make a signature with Kenwyne Jones and Barry Ferguson on please. Thanks. ... Could somebody please make a signature with Kenwyne Jones and Barry Ferguson on ...

Signature .. HELP - Electronic Arts UK Community
i want to make a signature with a picture but do not know how could anyone help me. thanks ... i want to make a signature with a picture but do not know how could anyone help me ...

Electronic Signature Capture
Electronic Signature Capture using mobile computers ... Electronic Signature Capture. A key aspect of any proof of delivery / tracking application is capturing a signature.

Electronic Signature

Electronic Signature
To: liblicense-l@lists.yale.edu; Subject: Electronic Signature; From: hazel4205@aol.com; Date: Wed, 16 Mar 2005 18:27:47 EST; Reply-to: liblicense-l@lists.yale.edu; Sender: owner ...

The Electronic Signatures Regulations 2002
Crown Copyright 2002. Statutory Instruments printed from this website are printed under the superintendence and authority of the Controller of HMSO being the Queen's Printer of ...

 

Electronic Signature



 
Copyright © 2008 Hintcenter.com - All rights reserved.
Home | Terms of Use | Privacy Policy
All Trademarks belong to their repective owners. Many aspects of this page are used under
commercial commons license from Yahoo!