Industries We Serve

General

There are millions of documents which are generated everyday across organisations in almost all industries. These documents are not only shared internally within the organisation but also find their way outside to a range of stakeholders who need to consume the information and process it for various purposes. It is essential that such documents with valuable information are trustworthy so that they can be effectively used by those who don’t have ready access to the source of the information for verification. Qryptal’s aim is to enable information sharing through documents with full trust, security and privacy in the most user friendly manner with high efficiency to save on costs and time. This is what the team at Qryptal relentlessly focuses on. Qryptal has solutions catering to a wide variety of industry verticals and use cases.

We will look at some relevant use cases in a few representative industry sectors to get an idea of how Qryptal’s technology and solution can be used.

Invoices and Bills

Reducing documents tampering and improving automation

The moment any product/service is bought or sold, there has to be a proof of the transaction which is usually in the form of an invoice or bill. Hence, invoices and bills are documents which are generated and used in all businesses and transactions whether they are big or small, public or private. It is therefore essential to be able to trust these documents so that they can be processed efficiently.

By the very definition, these are also subject to regular alterations typically unauthorized to serve a specific purpose for example to overstate/understate the value of goods, or their description, quality etc with an aim to save on taxes, duties and so on. This can distort the real picture and result in direct monetary loss to counterparties and governments. It becomes necessary to tackle this problem by making sure that all invoices and bills are system generated centrally and can be validated by anyone in a simple way to verify the authenticity and check for all the details.

Qryptal can help to capture the data on such documents in the form of a secure QR code before it gets printed either physically or electronically. In addition the QR code will also have the digital signature of the issuing organisation so that unauthorized modifications can be identified and stopped. This can be then validated by different stakeholders (the counterparty, the government, auditors, bankers etc) and the verified contents can be used for the purpose required with full confidence.

See an example of an invoice with a Qryptal QR code

The system architecture for generating such an invoice and the onward processing looks like

Using such an invoice generation system offers significant benefits

  • - It works for both printed and electronic bills and invoices
  • - It can only be generated by the issuing organisation and cannot be faked or tampered by anyone else
  • - The generation of the QR code can be easily integrated with existing bill production systems
  • - The entire relevant information of the bill is captured inside the secure QR code hence its good for security and privacy. Also the contents can be verified with a dedicated app or a server side validation software (in case of bulk processing of invoices)
  • - The output of the validation can be made available in a structured format for onward processing by any system e.g inventory management or accounting

HR & Payroll

Reducing documents tampering and improving automation

The human resources function in any organization is crucial and has to deal with as well as generate several documents which serve different purposes. Educational certificates are just one example of such documents and are an input into the human resources function. Other examples include: joining or employment offer letter, discharge or exit letter, experience certificate (which could also include information about the last position held, the number of years worked and in some cases last salary drawn), regular payslips and so on. Some of these docuemnts serve the purpose of a proof when applying for a new job, for a loan, for a visa, opening of a bank or brokerage account or other similar requirements.

Since these are used as proof and inputs for important transaction processing, there is an incentive to manipulate the information to suit the requirements or burnish the credentials. There have been multiple instances of fake or tampered experience letters and pay-slips being submitted to improve prospects and get better outcomes. It requires time and effort to verify the authenticity of such documents and may not always be possible. As a result there is a risk that the company might take a wrong decision based on these documents which can have serious long term implications for the organisation. There is a need to be able to verify the information in an easy way thereby enabling trust in the documents being presented.

Once again a way to tackle this problem is by making sure that all such documents are system generated centrally and the information on them is captured in the form of a Qryptal secure QR code before it gets printed either physically or electronically. In addition the QR code will also have the digital signature of the issuing organisation so that unauthorized modifications can be identified and stopped. This can be then validated by different stakeholders to whom it is presented (other employers, banks, embassies and visa processing service providers etc) and the verified contents can be used for the purpose required with full confidence.

A sample of a service certificate with a QR code encapsulating the details is shown here. On scanning the code all the details contained inside it is visible for verification.

Using such a system offers significant benefits

  • - It works for both printed and electronic documents
  • - It can only be generated by the issuing organisation and cannot be faked or tampered by anyone else
  • - It allows self service verification of document by third parties
  • - Strengthen personal data protection as information is accessed through the QR code and by the use of an authorised app only. Also since the information is stored inside the QR code, there may not be any requirement to get into tripartite information sharing issues
  • - Data domicile issues may be minimal as no online infrastructure is required
Schedule Qryptal Discussion

Banking and Financial Services

This is one of the most document intensive industries as there are millions of financial transactions that take place every day which need to be monitored, documented and analysed on a regular basis. These documents can range from simple bank account statements to cheques, trade finance, various types of transaction banking documents, payment instructions, supporting documents and so on.

With Qryptal, it is possible to secure and automate several of these documents to improve the credibility and reduce processing time. Let’s have a look at some of the representative use-cases in this regard.

Cheques

Reducing Cheque Fraud

Cheques need to be verified and cleared as quickly, efficiently and accurately as possible. With most countries adopting CTS system, cheque verification and clearing process is carried out through cheque images being sent in by the receiving bank or financial institution.

In recent years, Cheque fraud has become a growing issue of concern in some countries. Advancing digital technology has made it easier for counterfeiters and fraudsters to acquire blank cheque stationery and the magnetic ink (MICR) printers and fonts to recreate the cheques that are read by bank scanners.

Watermarking, holographs and other security features may help to deter such fraud, though eventually the fraudsters and counterfeiters would be able to acquire similar technology as well. Thus, we are left with the crucial question - how can cheques be enhanced to make them difficult to be tampered with?

Securing your Cheques

Whether it’s blank cheque stationery or printed cheques (cheques with printed details), the use of Qryptal’s Secure Codes for cheques helps to substantially reduce this type of fraud.

Simply adding Qryptal’s Secure Code on cheques makes the cheques tamperproof as the code can only be generated by the bank or its authorized customers. All the key details of each cheque are securely signed and sealed inside Qryptal’s Secure Code.

Qryptal’s system is flexible in terms of the data that can be encapsulated in the Secure Code. This includes the following:

  • - Cheque number and account details, as typically indicated in the footer
  • - Beneficiary
  • - Amount
  • - Name of the Signatories
  • - Additional details that could be useful for automated processing e.g Company name etc

Integrating Qryptal for Cheque Printing

Adding Qryptal’s Secure Code to Cheque’s is easy. It is added automatically as part of the printing process, just as image logos are added to cheque stationery:

The Qryptal Generator does all the work to encapsulate the data and return the Secure Code image to be incorporated on the cheques. It’s a simple API call to get started. Find out more on our Technology page

Secure Cheque Validation with Qryptal

Cheques that have been secured with Qryptal can easily be validated with Qryptal’s Validation Server as part of the Automated Inward Clearing process.

Qryptal’s Validation Server does the following:

  • - Locates the Secure Code on the cheque images that are presented
  • - Validates the Secure Code and confirms that it has not been tampered with
  • - Extracts the information in the Code and returns it in a structured manner for further processing
  • - It can also validate the extracted information with the information printed on the cheque via OCR to check for information tampering.

Find out more at our Technology page

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Bank Account Statements

Validating statements and eliminating tampering

Bank statements may sometimes need to be verified by third parties for loan approvals, proof of net worth and so on. Usually, the onus is on the customer to get the physical statement attested or chopped by the issuing bank for this purpose. However, this is time-consuming and can be annoying for both the customer as well as the issuing bank. This problem can be solved by having the statement stamped with a Qryptal QR code securing the details inside it. The code is added as an image using the Qryptal generator and the same can be validated using the dedicated QR validator app.

A sample bank statement with the Qryptal QR is given below-

Using a Qryptal QR code for a bank account or financial statement has several benefits, such as:

  • - Works for both printed and electronic documents
  • - There is no need to maintain a separate database
  • - There is no URL, hence no phishing attacks
  • - Easy to integrate with existing document generation systems
  • - Makes the document tamperproof and easily verifiable using a dedicated app
  • - Very good for security and privacy. The information is shared on a need to know basis and with the implied consent of the document holder (customer)
  • - Only the issuing organisation can generate the QR code with the digital signature

Trade Finance documents

Reducing documents tampering and improving automation

Global trade involves a range of documents which pass from one stakeholder in the chain to another and need to be validated at each stage so that the circuit is complete. The documents pass through more hands than the goods themselves as banks and government agencies get involved in various stages of financing and record keeping. There is a not only a need to standardise the documents but also to make sure that they can be trusted and the information can be accessed with confidence for onward processing. Qryptal’s solution can help in this by securing the documents at the time of generation which can be subsequently validated, thereby also leading to the automation of the information processing.

Typical trade flow with associated documentation

The main documents such as the Letter of Credit (L/C), the bill of lading, the contract etc can all be secured with the Qryptal QR code to prevent any unauthorized changes subsequently as well as to easily confirm the information contained in them for smooth processing.

Here is a sample of a warehouse receipt which is powered by the Qryptal QR code, with the relevant details being made available on scanning

There are several advantages once this technology is deployed for trade related documentation

  • - Works for both printed and electronic documents
  • - There is no need to maintain a separate database
  • - It is easy to integrate with existing document production systems used by any or all of the stakeholders in the ecosystem
  • - Each document is signed by the private key of the issuing entity and this makes it tamper-proof and easily verifiable with just a dedicated app.
  • - This is very good for security and privacy

HR & Payroll

Reducing documents tampering and improving automation

We come across a lot of documents in the human resources function in companies which are critical and used for different purposes. Educational certificates are also a part but this specific use case has already been explained in another section. Some regular examples are joining or employment offer letter, discharge or exit letter, experience certificate (which could also include information about the last position held, the number of years worked and in some cases last salary drawn), regular payslips and so on. Some of these are needed as proof when applying for a new job, for a loan, for visa purposes, opening of a bank or brokerage account or such other similar requirement.

Since these are used as proof and input for important transaction processing, there is an incentive to manipulate the information to suit the requirements or burnish the credentials. There are multiple instances of fake or tampered experience letters and payslips being submitted to improve prospects of better outcomes. It may require time and effort to verify the authenticity of the documents and may not always be possible. As a result there is always a risk that there maybe a incorrect or wrong decision based on these documents which can have serious long term implications for the organisation. There is a need to be able to verify the information in a simple manner and trust the documents being presented.

Once again a way to tackle this problem is by making sure that all such documents are system generated centrally and the information on them is captured in the form of a Qryptal secure QR code before it gets printed either physically or electronically. In addition the QR code will also have the digital signature of the issuing organisation so that unauthorized modifications can be identified and stopped. This can be then validated by different stakeholders to whom it is presented (other employers, banks, embassies and visa processing service providers etc) and the verified contents can be used for the purpose required with full confidence.

A sample of a service certificate with a QR code encapsulating the details is shown here. On scanning the code all the details contained inside it is visible for verification.

Using such a system offers significant benefits

  • - It works for both printed and electronic documents
  • - It can only be generated by the issuing organisation and cannot be faked or tampered by anyone else
  • - It allows self service verification of document by third parties
  • - Strengthen personal data protection as information is accessed through the QR code and by the use of an authorised app only. Also since the information is stored inside the QR code, there may not be any requirement to get into tripartite information sharing issues
  • - Data domicile issues may be minimal as no online infrastructure is required
Schedule Qryptal Discussion

Education

Educational certificates and documents play a critical role in a person’s life and career. It starts with the first job or application to another institution of learning and continues through subsequent employment changes, global transfers requiring work and employment passes and so on.

Let's secure all these documents today with Qryptal's document security solution.

University Degrees and Marksheets, Transcripts

Preventing documents tampering

Educational certificates and documents play a critical role in a person’s life and career. It starts with the first job or application to another institution of learning and continues through subsequent employment changes, global transfers requiring work and employment passes and so on. The ability to trust these documents and the information contained in them is essential to establish a person’s credentials and to help in making the right selection.

Educational document fraud is very rampant and is typically done to improve credentials and eligibility for opportunities which would otherwise be denied to the candidate. Under normal circumstances, the process followed to verify the authenticity of these documents, is to log in or send an e-mail query to the issuing institution which then checks its database to confirm the information. In the best of circumstances this requires money, time and effort. In the worst case scenario, the databases being low scrutiny databases are themselves subject to manipulation by unscrupulous elements and therefore return an answer that is taken as the truth but is actually incorrect. This has significant costs for the institutions relying on this information for their decision processes. Some examples are given below-

Qryptal provides an elegant solution for easy validation of educational credentials and for preventing such document frauds. Once the information is finalised, just prior to the final printing of the document, it is sent to the Qryptal generator which returns a digitally signed secure QR code containing the information to be verified. This is placed on the document which can be subsequently scanned and the contents verified using the document validator app available on the app store and Google play store

A schematic diagram of how a document with the Qryptal code would look is given below-

Using such document verification system offers significant benefits

  • - It works for both printed and electronic transcripts, marksheets and certificates
  • - It can only be generated by the issuing educational organisation and cannot be faked or tampered by anyone else
  • - The generation of the QR code can be easily integrated with existing document production systems being used
  • - It helps the educational organisation to build a reputation for integrity and strengthens its brand
  • - Helps to reduce costs as there is no need to maintain a team for confirming authenticity of documents
  • - Results in faster acceptance of submitted documents which is beneficial to students
  • - Protects the privacy of both the document holder and the document issuer
Schedule Qryptal Discussion

Government & Regulators

Government issued documents form the basis of establishing the identity of individuals which is the fundamental building block for any subsequent services that the citizen may need to avail. In addition, the government also issues documents such as permits and licenses, taxation related papers which are essential for a business to prove its legitimacy and carry out its activities with minimum friction and maximum effectiveness

Qryptal’s solutions can be used by a wide variety of government departments and issuers and can truly help enhance the functioning of a business and increase trust in the ecosystem. We will have a look at some of these specific use cases in this section.

Driving Licenses, Passports and Identity Cards

The problem: the scourge of fake and tampered IDs

Fake ID cards is a widespread problem all over the world and every day we come across new stories about the same. The problem is simple:

An ID card is issued by one organisation/department to an individual and when it is presented to third parties - they cannot easily find out if the ID is fake or genuine.

For example you may have a driving license and you wish to present this to a bank in order to open a bank account. The banker has no easy means to validate the license because the trustworthy data resides within the database of the Transport Agency - the authority which issues driving licences in your respective country. Similar issues occur when you wish to use the driving license for other purposes: renting a car/apartment, applying for a loan/credit/passport etc.

For government issued IDs, even the public should have an easy mechanism to validate the credentials. So if a uniformed law enforcement officer visits your home - how can you quickly verify the credentials?

Also IDs are issued by one government department are pftened used to obtain IDs from other departments. For example, consider the case of using a driving license to apply for a passport. There have been many instances where security has been compromised because fake low-level IDs were used to obtain genuine high-level IDs.

The Solution

With sophisticated software, scanners and printers - these days nearly any fake ID can be produced in any part of the world. Further, adding physical security features like watermarks, holograms etc work only for the people who know what is the current feature of your documents (e.g. difficult for third parties to know that your documents from 2016 use this hologram and from 22-Feb-2018 your organisation switched to another hologram).

With services of Qryptal, the organisation simply generates the unique Qryptal QR Code for each ID card. This code encapsulates all the key details of the ID including photographs. After this, third parties use a free Validator app to simply scan and verify the ID details on demand. If the ID card has to be revoked before the expiry date, then the same can be securely published on the ADR ledger.

  • - Easy integration with existing ID Card Production System
  • - Complete Card life-cycle management including revocation
  • - Easy to validate: simply scan the Qryptal QR Code
  • - All round security & privacy: validation with digital signature verification is performed by App on device

Certificates, Permits & Licenses

The problem: at present it is either cumbersome or close to impossible for a third party to validate government issued documents

Governments all over the world issue millions of certificates, permits and licenses every month. These documents typically originate in some computer system and after due process get handed over to the document holder in either a physical or electronic form.

A few decades back computers, scanners and printers were expensive and it was not easy for the average person to create fake or tampered documents. Now as a side-effect of widespread proliferation of technology, nearly anyone willing has access to tools to create fake documents. Further, there are many nefarious services just a search away providing even easier access to fake documents.

A brief list of departments and authorities issuing such certificates, licenses and permits:

Agriculture and Veterinary Civil Aviation Documents Building and Construction
Health and Safety Shipping and Transportation Homeland Security
Urban and Land Use Police Commercial Licensing
Revenue and Customs Medical & Legal Councils Corporate & Regulatory

The Qryptal Secure QR Code Solution for certificates, licenses & permits

Though we do support ad-hoc and manual generation, for most customers the optimal option would be to integrate the Qryptal Generator with their document production system. Once integrated, the Qryptal QR Code will automatically get added to the document.

The Qryptal QR Code encapsulates all the key details of the document and since it is digitally signed by the organisations’ private key, it cannot be generated by another entity nor can any details be tampered with. Third parties simply use a free Validator app to scan and verify the document details on demand.

  • - Easy integration with existing Document Production Systems
  • - Complete Document life-cycle management including revocation
  • - Easy to validate: simply scan the Qryptal QR Code with App
  • - All round security & privacy: validation with digital signature verification is performed by authorised App on device
  • - Elegant solution with minimal maintenance for long life cycle documents like Birth Certificates

Immigration & Border Security

The problem: The documents issued by the Immigration department like Visas, Work Permits, Residency Permits, Entry Passes and Passports need to be easily validated by different governments, airlines and other entities

Today with the onset of globalisation, there is an unprecedented movement of people across borders. At the same time with ease of forgeries, online scams and terrorism - it is necessary for immigration issued documents to be easily verifiable on demand.

Further, for efficiency and convenience many countries encourage visitors to apply for e-Visa and Electronic Travel Authority (ETA). Unlike traditional Visas which are received from a trusted source (Embassy) - these electronic authorisations are in the form of electronic PDFs which only the issuing authority can validate against their database.

Online fraudsters entice the lay public to “buy” these Visas from their websites.

Neither the airline nor the traveller can validate these e-Visas and when the unsuspecting traveller reaches the borders - they realise that they have been duped and have to return at a great loss to all parties including the host country.

Additionally, this is a huge privacy risk as sensitive traveller information gets exposed to unscrupulous operators.

The Qryptal Secure QR Code Solution for e-Visas, Work Permits, Residency Permits, Entry Passes and Passports

For most immigration departments - the optimal integration option would be to integrate the Qryptal Generator with their in-house document production systems. Once integrated, the Qryptal QR Code will automatically get added to the document.

The Qryptal QR Code encapsulates all the key details of the document and it is digitally signed by the department’s private key. Hence, it cannot be generated by another entity nor can any details be tampered with. Third parties simply use a free Validator app to scan and verify the document details on demand.

  • - Easy integration with existing Document Production Systems
  • - Easy for anyone to validate: simply scan the Qryptal QR Code with App
  • - All round security & privacy: validation with digital signature verification is performed by authorised App on device
  • - Can work on offline mode as well, hence even locations with no internet connectivity can validate

Taxation, Revenue and Customs

The problem: It is difficult to validate receipts and documents issues by the various revenue and tax collecting departments of the government

There is a strong incentive for fraudsters to create fake or tampered receipts to fool the public and law enforcement agencies. With today’s software and printers, it is trivial to create these fake receipts - leading to loss of hundreds of millions of dollars of revenue. Apart from revenue leakage, this increases corruption and adds to friction in the economy which even honest taxpayers have to bear.

With income tax documents the problem can get further compounded by banks extending undue credit based on fake or inflated documents.

A non-exhaustive list of target documents is given below:

Customs Receipts Income Tax Assessments GST Receipts
Certificate of Residency Excise Duty Challans Stamp Duty Receipts
Attestation Receipt Import License Receipt Export License Receipt

With the Qryptal Secure QR Code on receipts and taxation documents, any officer or member of the public can instantly validate the document

The Qryptal Generator can easily be integrated with the existing receipt and document production systems. Once integrated, the Qryptal QR Code will automatically get added to the document without any manual intervention.

  • - Easy integration with existing Receipt and Document Production Systems
  • - Easy for anyone to validate: simply scan the Qryptal QR Code with App
  • - All round security & privacy: validation with digital signature verification is performed by authorised App on device
  • - Can work on offline mode as well, hence even locations with no internet connectivity can validate

HR & Payroll

Reducing documents tampering and improving automation

We come across a lot of documents in the human resources function in companies which are critical and used for different purposes. Educational certificates are also a part but this specific use case has already been explained in another section. Some regular examples are joining or employment offer letter, discharge or exit letter, experience certificate (which could also include information about the last position held, the number of years worked and in some cases last salary drawn), regular payslips and so on. Some of these are needed as proof when applying for a new job, for a loan, for visa purposes, opening of a bank or brokerage account or such other similar requirement.

Since these are used as proof and input for important transaction processing, there is an incentive to manipulate the information to suit the requirements or burnish the credentials. There are multiple instances of fake or tampered experience letters and payslips being submitted to improve prospects of better outcomes. It may require time and effort to verify the authenticity of the documents and may not always be possible. As a result there is always a risk that there maybe a incorrect or wrong decision based on these documents which can have serious long term implications for the organisation. There is a need to be able to verify the information in a simple manner and trust the documents being presented.

Once again a way to tackle this problem is by making sure that all such documents are system generated centrally and the information on them is captured in the form of a Qryptal secure QR code before it gets printed either physically or electronically. In addition the QR code will also have the digital signature of the issuing organisation so that unauthorized modifications can be identified and stopped. This can be then validated by different stakeholders to whom it is presented (other employers, banks, embassies and visa processing service providers etc) and the verified contents can be used for the purpose required with full confidence.

A sample of a service certificate with a QR code encapsulating the details is shown here. On scanning the code all the details contained inside it is visible for verification.

Using such a system offers significant benefits

  • - It works for both printed and electronic documents
  • - It can only be generated by the issuing organisation and cannot be faked or tampered by anyone else
  • - It allows self service verification of document by third parties
  • - Strengthen personal data protection as information is accessed through the QR code and by the use of an authorised app only. Also since the information is stored inside the QR code, there may not be any requirement to get into tripartite information sharing issues
  • - Data domicile issues may be minimal as no online infrastructure is required
Schedule Qryptal Discussion

Healthcare

It is important to ensure the security and trustworthiness of healthcare documents for ease of processing and in order to get accurate diagnosis & insurance coverage. In the absence of such safeguards, there would be an increase in both direct as well as indirect costs of these services which could affect the individual in particular and the economic well- being of society in general.

Laboratory Reports

Reducing documents tampering and improving automation

With the proliferation of laboratories and the liberal use of the franchise model to expand the operations of regional and national chains, the need to verify the authenticity of a lab report has increased. We frequently hear about cases where the collected sample is not sent for actual testing but and instead a false report is generated and money collected from unsuspecting customers. This has serious implications as it can result in improper diagnosis, inadequate or expensive insurance and is a reputation risk for the genuine laboratories. It is however very simple to tackle this problem by making sure that all genuine reports are system - generated centrally and can be validated by anyone in a simple manner to verify the authenticity and even the contents. Qryptal can help to capture the data on the patient’s report in the form of a QR code before it gets printed either physically or electronically. In addition, the QR code will also have the digital signature of the issuing laboratory so that an imposter or rogue franchise cannot create a fake or tampered copy. This can be then validated by the customer or their doctor or even the insurance company and the verified contents can be used for diagnosis, prescription and/or insurance.

This is how the report generation process and the sample report looks like

Using a Qryptal QR code for a laboratory report has several benefits

  • - Works for both printed and electronic documents
  • - There is no separate database to be maintained
  • - There is no URL hence no phishing attacks
  • - Easy to integrate with existing document generation systems
  • - Makes the document tamperproof and easily verifiable using a dedicated app
  • - Very good for security and privacy. The information is shared on a need to know basis and with implied consent of the document holder (customer)
  • - Only the issuing organisation can generate the QR code with the digital signature
  • - The entire information is inside the QR code hence no need for network connectivity to check and verify the contents.

Invoices and Bills

Reducing documents tampering and improving automation

The moment there is buying or selling of any goods or services, there has to be a proof of the transaction which is typically in the form of an invoice or bill. Hence, Invoices and bills are documents which are generated and used in all businesses and transactions whether big or small, public or private. It is therefore essential to be able to trust these documents and process them efficiently.

By very definition, these are also subject to regular alterations typically unauthorized to serve a specific purpose for example to overstate/understate the value of goods, or their description, quality etc with an aim to save on taxes, duties and so on. This can distort the real picture and result in direct monetary loss to counterparties and governments. It is therefore essential to tackle this problem by making sure that all invoices and bills are system generated centrally and can be validated by anyone in a simple manner to verify the authenticity and check the details.

Qryptal can help to capture the data on such documents in the form of a secure QR code before it gets printed either physically or electronically. In addition the QR code will also have the digital signature of the issuing organisation so that unauthorized modifications can be identified and stopped. This can be then validated by different stakeholders (the counterparty, the government, auditors, bankers etc) and the verified contents can be used for the purpose required with full confidence.

See an example of an invoice with a Qryptal QR code

The system architecture for generating such an invoice and the onward processing looks like

Using such an invoice generation system offers significant benefits

  • - It works for both printed and electronic bills and invoices
  • - It can only be generated by the issuing organisation and cannot be faked or tampered by anyone else
  • - The generation of the QR code can be easily integrated with existing bill production systems
  • - The entire relevant information of the bill is captured inside the secure QR code hence its good for security and privacy. Also the contents can be verified with a dedicated app or a server side validation software (in case of bulk processing of invoices)
  • - The output of the validation can be made available in a structured format for onward processing by any system e.g inventory management or accounting

HR & Payroll

Reducing documents tampering and improving automation

We come across a lot of documents in the human resources function in companies which are critical and used for different purposes. Educational certificates are also a part but this specific use case has already been explained in another section. Some regular examples are joining or employment offer letter, discharge or exit letter, experience certificate (which could also include information about the last position held, the number of years worked and in some cases last salary drawn), regular payslips and so on. Some of these are needed as proof when applying for a new job, for a loan, for visa purposes, opening of a bank or brokerage account or such other similar requirement.

Since these are used as proof and input for important transaction processing, there is an incentive to manipulate the information to suit the requirements or burnish the credentials. There are multiple instances of fake or tampered experience letters and payslips being submitted to improve prospects of better outcomes. It may require time and effort to verify the authenticity of the documents and may not always be possible. As a result there is always a risk that there maybe a incorrect or wrong decision based on these documents which can have serious long term implications for the organisation. There is a need to be able to verify the information in a simple manner and trust the documents being presented.

Once again a way to tackle this problem is by making sure that all such documents are system generated centrally and the information on them is captured in the form of a Qryptal secure QR code before it gets printed either physically or electronically. In addition the QR code will also have the digital signature of the issuing organisation so that unauthorized modifications can be identified and stopped. This can be then validated by different stakeholders to whom it is presented (other employers, banks, embassies and visa processing service providers etc) and the verified contents can be used for the purpose required with full confidence.

A sample of a service certificate with a QR code encapsulating the details is shown here. On scanning the code all the details contained inside it is visible for verification.

Using such a system offers significant benefits

  • - It works for both printed and electronic documents
  • - It can only be generated by the issuing organisation and cannot be faked or tampered by anyone else
  • - It allows self service verification of document by third parties
  • - Strengthen personal data protection as information is accessed through the QR code and by the use of an authorised app only. Also since the information is stored inside the QR code, there may not be any requirement to get into tripartite information sharing issues
  • - Data domicile issues may be minimal as no online infrastructure is required
Schedule Qryptal Discussion

Insurance

The insurance industry is also a key user of documents and has to deal with a very large number of transactions. With Qryptal’s technology, there can be an appreciable improvement in checking outright fraud, in recognizing tampered documents as well as in automating the information processing for quicker and seamless settlement of claims.

Let’s look at how Qryptal can help to secure some of these important documents such as policy documents, invoices and bills used for processing of claims, membership cards etc.

Policy Documents

Validating statements and eliminating tampering

Even in case of insurance policies, there have been cases where fake policies have been issued by rogue agents on behalf of reputed insurance companies to unaware customers. Although insurance companies usually check against their database for valid policies before paying out any claims, any such incidents can always turn into a reputation risk and sometimes even a liability for the improper conduct of their agents.

In fact, recently there was a case where an insurance company was held liable for the fake policies issued by their agent and had to pay material monetary damages to the customer.

Anyway, being able to verify a policy document easily will be beneficial to everyone including but not limited to motor vehicle repairs at workshops, collateral calculations for loan approvals, proof of net worth and so on. It can be considered to be a good practice and a move towards better customer service to have such a feature.

This is where Qryptal’s services come into the picture. Just like a bank statement, we can help to capture the relevant information in the form of a Qryptal Secure QR code and place it on the document so that it becomes an integral part of it and can be verified instantly without having to go back to check with the insurance company

The Qryptal Secure QR code on policy documents results in several benefits

  • - Makes the document tamper-proof and easily verifiable
  • - Quick information about policy details and coverage without the need to have access to any database
  • - Works for both printed and electronic documents
  • - Very good for security and privacy. The information is shared on a need-to-know basis and with implied consent of the document holder (customer)
  • - Only the issuing organisation can generate the QR code with the digital signature
  • - Easy to integrate with existing policy document production systems
  • - In addition to policy documents, the QR code can also be added to the premium payment receipts and invoices helping in reimbursement of such payments especially for corporate employees

Membership Cards

Quick authentication and remote management of information

Typically a health insurance customer would be given a membership card by the insurance company to be used for identification at the time of interaction with the service provider. These cards are normally physical cards with a specified validity period and need to be periodically replaced. Moreover, the card itself carries very basic information and the service provider still needs to fill out other necessary details after verification. It would be far more useful to have a card (either physical or electronic) with a QR code containing not only the individual details of the insured along with photo etc for identification but also policy details so that verification and relevant limits/access to services can be determined by a simple scan of the QR code. In addition, Qryptal allows the QR code to be managed remotely so that any changes in validity period or even in coverage parameters can be amended at the back end without the need to change the QR code keeping information updated for the policy holder at any time.

A Qryptal powered membership card would look like this-

This has several advantages over conventional cards, which are:

  • - Lower cost over a long-term period as the card does not need to be replaced periodically.
  • - Revocation and updating of information can be done remotely and a scan of the QR code will always give the updated information which can be trusted
  • - Lot more information including photo, policy and other supporting documents can be accessed by scanning the QR code. This saves the need to carry all this information in person and allows for easy reference.
  • - Works for both printed and electronic membership cards
  • - Very good for security and privacy. The information is available only through the tamper-proof QR code.
  • - The QR code can only be generated by the authorized issuer and is digitally signed by them through their private key

Medical Claims

Reducing documents tampering and improving automation

Medical claims processing continues to remain paper intensive especially in the case of out of network providers. It is also subject to duplication of entries due to different systems being used by service providers and the TPAs/insurance companies. To reduce the possibility of tampering with the claim documents and to ensure quicker processing of information, it would be ideal to find a way in which the information can be trusted and easily ingested for processing.

By using Qryptal, the data on the patient’s invoice or receipt can be captured in the form of a QR code before it gets printed either physically or electronically. This can be then validated by the TPA and/or insurance company using the validator software and it can be further absorbed for processing after one-time integration. This would make the entire claim process experience very smooth for the customer while maintaining the privacy and integrity of the data.

An example of a hospital bill or invoice carrying the Qryptal QR code is given here

Comparison of traditional vs Qryptal enabled claims processing

This has several advantages as explained earlier

  • - Quicker processing
  • - All fraudulent or tampered claims can be identified
  • - Very good for security and privacy
  • - Works for both electronic and printed claim documents
  • - Each QR code is unique and digitally signed by the issuing clinic or hospital with its private key and once processed, it can be cross checked for to avoid duplication and a double processing of claims
  • - Information from the QR code can be easily ingested into the processing system of the insurer without manual intervention after one-time integration which can help save cost, time and avoid errors

HR & Payroll

Reducing documents tampering and improving automation

We come across a lot of documents in the human resources function in companies which are critical and used for different purposes. Educational certificates are also a part but this specific use case has already been explained in another section. Some regular examples are joining or employment offer letter, discharge or exit letter, experience certificate (which could also include information about the last position held, the number of years worked and in some cases last salary drawn), regular payslips and so on. Some of these are needed as proof when applying for a new job, for a loan, for visa purposes, opening of a bank or brokerage account or such other similar requirement.

Since these are used as proof and input for important transaction processing, there is an incentive to manipulate the information to suit the requirements or burnish the credentials. There are multiple instances of fake or tampered experience letters and payslips being submitted to improve prospects of better outcomes. It may require time and effort to verify the authenticity of the documents and may not always be possible. As a result there is always a risk that there maybe a incorrect or wrong decision based on these documents which can have serious long term implications for the organisation. There is a need to be able to verify the information in a simple manner and trust the documents being presented.

Once again a way to tackle this problem is by making sure that all such documents are system generated centrally and the information on them is captured in the form of a Qryptal secure QR code before it gets printed either physically or electronically. In addition the QR code will also have the digital signature of the issuing organisation so that unauthorized modifications can be identified and stopped. This can be then validated by different stakeholders to whom it is presented (other employers, banks, embassies and visa processing service providers etc) and the verified contents can be used for the purpose required with full confidence.

A sample of a service certificate with a QR code encapsulating the details is shown here. On scanning the code all the details contained inside it is visible for verification.

Using such a system offers significant benefits

  • - It works for both printed and electronic documents
  • - It can only be generated by the issuing organisation and cannot be faked or tampered by anyone else
  • - It allows self service verification of document by third parties
  • - Strengthen personal data protection as information is accessed through the QR code and by the use of an authorised app only. Also since the information is stored inside the QR code, there may not be any requirement to get into tripartite information sharing issues
  • - Data domicile issues may be minimal as no online infrastructure is required
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