DOCS

Document processing service that allows: (1) Creation of documents such as forms, contracts, promissory notes, among others. (2) Text analysis to extract valuable information from documents, such as personal data, numbers, dates, etc. (3) Document classification that allows the automatic organization of documents according to different categories. (4) Optical Character Recognition (OCR) that allows digitizing paper documents and converting them into electronic files. (5) Monitoring of information inconsistencies and risk alerts.

Terminology

Smart Document. Electronic document that uses advanced technology to improve productivity and efficiency in the process of creating, editing and managing documents.

Intelligent Template. Template that uses algorithms to automate tasks such as formatting, data filling and content generation.

Auto-Formatting. Function that automatically adjusts the presentation of a document according to established rules.

Auto-Suggestion. Tool that automatically suggests content or formatting for a document based on context and previous information.

Data Integration. Function that allows integrating and synchronizing data from external sources into a document, reducing the time and effort required to update information.

Automated Workflow. An automated process that allows users to follow a series of specific steps to complete document-related tasks, reducing errors and improving efficiency.

Document Assembly. The process of automatically generating documents using previously provided information.

Natural Language Processing (NLP). Technology that enables systems to process and understand human language.

Artificial Intelligence (AI). Technology that mimics human intelligence to perform complex tasks.

Machine Learning (ML). Allows systems to learn and improve without being specifically programmed.

Optical Character Recognition (OCR). Converts scanned text or images into editable digital text.

Predictive Analytics. Analysis that uses previous data to predict future results.

Customizable Templates. Templates that can be customized to fit the specific needs of a user or company.

Document Comparison. Function that allows you to compare two or more documents and see the differences between them.

Document Security. Security measures that protect documents and the information they contain.

Electronic Signatures. Electronic signatures that allow users to sign documents electronically.

Automated Review. Automated review that uses algorithms to detect errors and suggestions.

Document Analytics. Document analysis that allows users to obtain valuable information about the content and use of documents.

Automated Reporting. Automated report generation from data embedded in a document.

Document Archiving. Process of archiving old or inactive documents to free up space and improve organization.

Cloud Storage. Cloud storage that allows access to documents from any place and device.

Mobile Access. Access to documents from mobile devices, such as smartphones and tablets.

Multi-Language Support. Multi-language support, allowing users to work with documents in their own language.

Integrations. Integrations with other applications and systems to improve efficiency and productivity.

Data Fabric. Data repository transversal to anteia services. It has the option to pseudonymize our clients' data using a cryptographic unlinking of data and users, so that only with the client's permission can these data be used within anteia services.

Creates, manages, secures and monitors digital documents.

Magic Forms

Digital forms that are self-managed thanks to public and private sources of information, Optical Character Recognition (OCR), Intelligent character recognition (ICR) and other forms or documents from the same user. The authenticity of information is verified, updated and monitored for compliance purposes, generates date and inconsistency alerts. Documents, images, PDF and other types of formats can be attached.

Benefits

Digitize forms.
Enables companies to efficiently collect user data, integrating with existing databases and workflows.
Allows the creation and distribution of digital forms using a customizable form editor and templates.
The information collected in these documents is periodically updated and verified.
Eliminates human typing errors.
Automates reports that improve customer knowledge.
Increases end-customer satisfaction by freeing them from stressful processes of managing multiple forms with the same information over and over again.
Timely alerts fraud risks or compliance eventualities.
Minimizes fraud.
Increases conversion.
Extracts text, handwriting and data from scanned documents automatically.
Interprets information from form fields.

Features

Face

Features

Services

Technology

Digitalization of completed form.

Receive document in PDF format.

Data reading automation.

Data storage.

Data query.

Manual adjustments.

Notification of process status.

The PDF file is received from the client via the API.

The text is extracted.

The PDF data is stored.

The client can access through an API to the data collected from the document.

Anteia wants to make corrections with respect to the database.

Notify via webhook the status of a file.

Digitization of an empty form.

Receive document in PDF or Excel format (No jpg or png).

Automation schematization.

Schema storage.

Manual adjustments.

Form verification.

The text is extracted.
Interpret request.
The schema of the form is stored.

Anteia wants to make corrections with respect to the database.

Check status.
Correct data.
Back office

User interface.

FrontEnd

To be able to interpret the scheme to draw the questions.
Save the information from the completed form.

Configuration

Service

Configuration

Form fields

Number of pages.
Types of fields.
Which fields go on each page.
Field labels.
Conditionals.
Field contents.
Automatically loaded data .
Validations of the entered information.
Automatically calculated fields.

Field value alerts

For each field you can define a list of values, for which this field can generate an alert.

Mapped fields

The value of a field can be loaded from the value of another field.

Example.

If you have an economic activity, in another field you can autocomplete the ISIC.

Use cases

Banking. Bank account applications, account opening forms, financing and other services.

Insurance. Insurance applications, insurance quote forms.

Health. Patient registration, appointment request forms.

E-commerce. Account registration forms, e-newsletter subscription forms.

Retail. Membership forms, e-newsletter subscription forms.

Tourism. Guest registration forms, travel package request forms.

Transportation and logistics. User registration, quotation request forms.

Consulting. Lead affiliation, demo request forms.

Utilities. User registration, service request forms.

Analytics

Statistics. Custom statistics can be generated according to values within the forms to generate reports of what is most important to your business.

Erroneous Data. Alerts are generated on which data loaded from external information is corrected by the users, so you can be alerted of any external source that is outdated.

Alerts. Statistics of the different alerts that can be configured within a form are generated.

API

Our systems have APIs designed to make integration as simple as possible, without losing flexibility. Through our APIs, flows are initiated and all the information collected and generated by our processes is obtained.

The documentation can be found at the following link: https://anteia.stoplight.io/

Dematerialized promissory notes

Promissory notes are credit instruments in which the issuer promises to pay an amount of money on a specific date, the subscription of a promissory note implies for the debtor or borrower a promise of unconditional payment to the creditor. The promissory note includes important information about the debt, such as the amount of money owed, the expiration date and the terms of payment.

Dematerialized promissory notes are transferable electronic documents, similar to the traditional promissory note, which have the capacity to incorporate in themselves rights of a proprietary nature that will offer their portability and transferability within the framework of commercial relations. The creation of electronic promissory notes is an agile and efficient process and has high levels of security in digital environments for the management of credits, loans, and their guarantees; since they are created by means of data messages or electronic tools, which allow (1) verification of the identity of the creditor, (2) the consultation of the information contained in the document, (3) the conservation of the document generated, sent or received that allows to demonstrate the integrity of the same and (4) allows to determine the origin, the destination of the message, date and time in which the message was sent or received or the document was produced.

Benefits

Dematerialized promissory notes can be managed, transmitted and processed much more quickly and easily than paper promissory notes.

The transmission and storage of promissory notes in digital format is more secure than in paper format, as additional security measures can be implemented to protect the data.

With dematerialized promissory notes, you can access them from anywhere and at any time, as long as you have access to the Internet.

As there is no need to print, send or store paper promissory notes, the costs associated with their use are significantly reduced.

Transactions can be better controlled and tracked, which facilitates decision making and the resolution of any problems that may arise.

The transfer of ownership of a dematerialized promissory note can be faster and more efficient than that of a traditional promissory note, since the negotiation is done online and does not require the intermediation of a third party.

They use encryption technology to protect information and prevent fraud.

Dematerialized promissory notes are stored in an electronic system, which facilitates the retrieval and tracking of information.

Processing and payment are faster due to the elimination of manual processes.

Use cases

Promissory notes issued by financing institutions to guarantee payment of loans.

Issued by insurance companies to back insurance policies.

Used to finance short-term commercial transactions.

For online personal loans.

By leasing companies to finance the acquisition of goods.

Used in the stock market to back corporate bonds.

Issued by companies to finance capital projects.

By brokerage institutions to guarantee payment of commercial transactions.

By real estate companies to advance lease payments to landlords.

Frequently Asked Questions

Does it have the same validity as a traditional promissory note?
Yes, due to the principle of functional equivalence and because it is a document that is born digitally, it complies with all the conditions of a traditional promissory note.

What are the issuance requirements?
The issuance of electronic promissory notes must guarantee (1) the verification of the creditor's identity, (2) the consultation of the information contained in the document, (3) the conservation of the document generated, sent or received that allows to demonstrate the integrity of the same, (4) allow to determine the origin, the destination of the message, date and time in which the message was sent or received or the document was produced. Thus, complying with principles that are: Integrity, authenticity, document accessibility and non-repudiation of the document.

In which countries does it cover?
Ecuador, Colombia, Costa Rica, Panama and Peru.

Can it be transferred?
Yes, promissory notes, being documents that incorporate in themselves the right, are susceptible to transfer to third parties, by means of transferal, which is the transfer of the property of the incorporated right to the third party. As they are born in the legal life in a digital way, the transfer process is made in the same way on the platform.

How can it be negotiated?
The negotiation of the promissory note is outside the system, because like other securities, it can be traded. Anteia allows such trading by providing the client with the functionality to transfer a promissory note.

Who can issue a dematerialized promissory note?
The issuance of promissory notes by entities other than securities depositories is legal, as long as the issuance complies with the principles of integrity, authenticity, accessibility of the document and non-repudiation of the same. anteia is qualified to issue electronic promissory notes, since its system allows (1) the verification of the identity of the debtor, (2) the consultation of the information contained in the document, (3) the conservation of the document generated, allows to demonstrate the integrity of the document and (5) allows to determine the origin, the destination of the message, date and time in which the message was sent or received or the document was produced.

What are the differences between a dematerialized promissory note and a traditional promissory note?
The dematerialized promissory note is a representation of the traditional promissory note, which allows the same actions to be performed on the document, just that it is created and maintained in the digital world, which brings advantages of storage, administration, signature and even agility in the life cycle of a promissory note.

What are the associated risks?

Security risk. As electronic documents, dematerialized promissory notes are exposed to the possibility of hacking, identity theft and other computer crimes.

Risk of non-payment. As with traditional promissory notes, if the issuer of the note is unable to meet its payment obligation, the investor may lose part or all of its investment.

Liquidity risk. As with traditional promissory notes, dematerialized promissory notes may have a lower degree of liquidity than other financial instruments or securities, which may make them difficult to trade or sell in the secondary market.

What security does a dematerialized promissory note offer?
Unlike the traditional promissory note, the electronic promissory note allows (1) the verification of the identity of the debtor, (2) the consultation of the information contained in the document in real time, (3) the conservation of the document generated, sent or received that allows to demonstrate the integrity of the same and (4) allows to determine the origin, the destination of the message, date and time in which the message was sent or received or the document was produced. It offers security to the creditor that the promissory note (1) was subscribed with the debtor, avoiding the risk of identity theft, (2) that this document is unalterable, with the exception of the annotations in account that are registered in the certificate of the promissory note, which evidences the integrity of the document, (3) evidencing the origin of the document (original document) and documents subscribed (once signed), are the same, demonstrating the authenticity of this, thus generating the non-repudiation of the promissory note issued.

What are the associated costs?
The costs are related to the maintenance of the promissory note, by that we mean the custody as well as the administration, and the signature of the associated documents, which use an identity verification.

How can a dematerialized promissory note be cashed?
By the principle of functional equivalence, in the same way as a traditional promissory note, in case the debtor is not willing to pay the obligation, the creditor may initiate legal proceedings to obtain payment of the obligation, sending as proof of the same the electronic promissory note, which complies with the principles of integrity, authenticity, accessibility of the document and non-repudiation.

Analytics

Financial valuation. Generate knowledge from the value of promissory notes, and its comparison with the value in the life cycle of the note.

Risk analysis. Knowing the rate of executed promissory notes, as well as that of endorsed promissory notes, allows to understand clients and their financial behavior.

behavior. In addition, it is useful for making decisions on the type of commitments that are being generated with customers.

Type of verification. Evaluate customer satisfaction with respect to the signing process, allowing to know the decision making regarding the documents that the user signs.

Type of device. Allows to analyze the type of device used and generate conclusions about the types of users that use the platform.

API

In addition to the creation of promissory notes from flows, or direct creation through our backoffice, we offer a REST API, from which the following functionalities can be performed:

Creation of templates
Creation of promissory notes
Creation of signatures for promissory notes
Signature configuration such as maturity time, notifications, etc.

Each of the above based on configurations that prioritize security and allow customization of the user experience.

Authentication is done through secure methods, allowing the revocation of permissions if necessary, permissions are configurable and associable to each of the projects or products.

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