by Tom Gonser on Wednesday May 27th, 2009
The Value of Your “Signature” at the Checkout Counter…
When I go to the local home improvement store, they have a funny little ‘signing’ process they make me go through. They want me to ‘sign’ on one of those checkout pads when I use my credit card. Apparently, this prevents people from stealing my card and using it without my permission. Nice idea, but nothing they do prevents this theft.
When I try to ‘sign,’ either the pad is slippery, or the surface so scratched, I cannot get anything to look remotely like my signature. That does not appear to matter!
Apparently, that scratched up signing device isn’t connected to anything that remotely protects my identity. Nothing is ‘validating’ my signature at all – this e-signature process is a total waste of time.

Digital Signature from Tom Gonser
The digital signatures above are actual signatures I provided when checking out! NEITHER of these looks like my signature and they don’t even look like each other! How exactly does this prevent signature theft and fraud?
Here at DocuSign, we take signatures more seriously. Our electronic signature process involves creating a customized signature, and adopting it for use online. Then when you want to sign using YOUR signature, the sender can elect to require several different levels of authentication, thus connecting your electronic signature to YOU. The right authentication level depends on the document and risk.

2 Comments
I don’t sign the back of my credit cards; there’s no real point. In theory the clerk is supposed to ask for ID. This happened to me for the first time in several months at Eastern Mountain Sports the other day.
The robot checkouts at my grocery store used to require a digital signature, but they had so many problems they switched to an option where you can verify by entering your billing zip code. This is silly, since probably 90%+ of the shoppers live in one of two local ZIP codes.
As a side note, the biggest point-of-sale advantage for me of having a machine that could verify my identity is that I could use the faster robot checkout line to buy beer :oD.
Do you guys do anything with biometrics combined with the signature?
Nick, great questions. I’ll have to introduce you to the Product Guys next time you come to Seattle. They know so much more on a deeply technical level that I think you’d be interested in.
Any of your feedback and expertise would be great as well.
Thanks,
An