Aragon Research在 10 月发表了一份报告，确定了新的和即将发布的自动化技术，称为工作流和内容自动化 （WCA）。该报告将点击包装事务确定为 WCA 的关键功能。
随着企业实施越来越多的数字化转型计划，内容自动化已成为一个基础性组成部分。来自阿拉贡的阿拉贡工作流程和内容自动化研究全球突出了 WCA 类别中的 14 家主要供应商。
公司一直在寻找一个自动化游戏，试图消除在获得在线交易协议时经常长达一周的延迟。Paragon Research 在过去六年中一直在研究自动化 Web 交易的所有不同方法。
据文思安全首席产品官埃里克·普鲁格（Eric Prugh）介绍，PactSafe 的平台是专有的，专为处理电子商务或其他在线工作流中显示的点击包装交易的创建、演示、集成和审核而构建的。该平台位于专用的点击包 API 和微服务之上。
该技术包括许多 SDK，供开发人员轻松集成到自己的网站和应用程序中（如 Stripe 和 Twilio）。API 和集成对于点击包装事务平台至关重要。
Aragon 的研究表明，CCT 是解决方案，因为它们提供了企业在电子商务繁荣时期所需的可扩展性、自动化和安全。CP 支持通用的、可执行的条款，保护企业免受诉讼、重大争议、担保、退款等。
使用 clickwrap应从高容量、低复杂性的协议开始，因为这样很容易标准化协议并构建更简单的工作流。Prugh 建议，这可自动化当前的手动流程，并让您有时间探索更具战略性的举措。
Clickwrap Technology Brings Speed, Efficiency to Digital Transactions
With the holidays approaching and the pandemic surging, clickwrap transaction platforms (CTPs) are emerging as a valuable tool to help businesses navigate the increased volume of online transactions.
CTPs help companies secure transactions that are, or have moved, online. These business transactions are purpose-built for high volumes of agreements. Clickwrap transactions replace electronic signatures and provide an archived digital record of online interaction.
Instead of signing, the user clicks to check a box, or clicks on a button with a label such as 'I Agree' or 'Accept'. That action authorizes the included consent language.
Aragon Research in October published a report identifying the new up and coming automated technology called workflow and content automation (WCA). The report identified clickwrap transactions as a key capability for WCA.
Content automation has become a foundational component as enterprises implement more and more digital transformation initiatives. The Aragon Research Globe for Workflow and Content Automation from Aragon highlights 14 major providers in the WCA category.
In June, Aragon Research named PactSafe a hot vendor in the WCA category. In October, Aragon named PactSafe an Innovator of the Aragon Research Globe for Workflow and Content Automation. PactSafe is one of a few early clickwrap transaction platform providers.
"Most enterprises clearly understand that, to remain competitive, they must go fully digital with customer-facing documents and processes related to those documents," according to Aragon's report.
"Businesses have not yet heard of clickwrap because it is in its early stages of adoption. Clickwrap is going to be as big as digital transaction management was six years ago," Jim Lundy, founder and CEO at Aragon Research, told the E-Commerce Times.
The bottom line is this is an emergent technology. Companies realize that with the current move to online transactions and e-commerce, they are in trouble with trying to do things manually, he said.
Legal Process in Progress
Clickwrap is a legitimate legal term that already is in use. His report did not invent that term, explained Lundy.
PactSafe is one of the platform providers. There are a few others.
The movement to replace digital signing for online transactions goes back to a rise in online transactions that began around 2013. There is a race to getting rid of contracts and paper signing as phase one of the transition process, Lundy observed.
Companies have been looking for an automation play in an attempt to eliminate the often-week-long delays in getting agreements signed for online transactions. Paragon Research has spent the last six years looking at all the different ways of automating web transactions.
"We started getting insight into the need for automating the legal processes online. That led to the idea behind clickwrap. The whole idea is to be able to dynamically generate the terms and conditions that go with the purchase of a product and have the customer click that they agree. The result is an archived record," he said about the developing online transaction verification process.
He estimated the transition process will take about 18 months. Clickwrap has only been available with this platform for a couple of months.
"Along the way, companies have been doing it piecemeal with a homegrown approach," Lunday said.
PactSafe's platform is proprietary and is purpose-built for handling the creation, presentation, integration and auditing of clickwrap transactions presented in e-commerce or other online workflows, according to Eric Prugh, chief product officer at PactSafe. The platform sits atop a dedicated clickwrap API and microservice.
The technology includes a number of SDKs for developers to easily integrate into their own sites and apps (think like Stripe and Twilio). APIs and integrations are crucial for clickwrap transaction platforms.
"Our goal is to seamlessly integrate into a customer's existing technology and workflows," Prugh told the E-Commerce Times.
Part of the beauty of clickwrap is that it is implemented into existing business workflows. A CTP can actually automate many of the existing manual processes for legal teams, he explained.
For example, many customers will turn manual, labor-intensive contracts such as NDAs into an automated, standardized clickwrap agreement process because these documents generally are not negotiated and should be easier to execute and manage.
"The explosion of global e-commerce and the ease of buying on mobile have acted as catalysts not only for change within online transaction verification but also for clickwrap adoption," said Prugh.
Lawyers cannot interrupt conversion flows with contracts, but it is still super-important to add clear, conspicuous terms and conditions to the purchasing process. Now that e-commerce is even more prolific, legal teams need a way to create, deliver, manage, track and archive all the online terms and conditions between customers and businesses," he noted.
Aragon's research illustrates that CTPs are the solution as they provide the scalability, automation, and safety that businesses need during this e-commerce boom. CTPs enable common, enforceable terms that protect businesses from lawsuits, major disputes, warranties, chargebacks, and more.
Adoption Set in Motion
Numerous e-commerce companies have already implemented clickwrap agreements into their checkout process. Wayfair, for example, has a simple clickwrap agreement when a customer creates an account and when a customer makes a purchase.
What is new about the CTP is that this part of the workflow is typically managed by a product or engineering team -- not by the legal team. Updating terms and versioning is hard, and it is nearly impossible to audit or search for completed transactions and the agreement that was in place, according to Prugh.
"Most litigation and disputes also center around what the agreement looked like when it was accepted, which creates a whole host of problems and manual labor to recreate. In that sense, it improves the business operations as a whole but is not changing the way your e-commerce company does business," he said.
PactSafe's platform is unique from other workflow and content automation platforms in that it focuses specifically on the complexities and nuances associated with simplifying agreement workflows. Most of these rely on clickwrap transactions as the agreement in a transaction.
Shift in Thinking Needed
Adopting clickwrap requires businesses to shift their thinking from a traditional contracting workflow PactSafe calls the "signing mindset" into a more automated, digital, self-service workflow for customers called the "acceptance mindset," according to Prugh.
Agreements like NDAs typically require field inputs like name, company, signature, and dates on the agreement. Much of that can be automated with mobile-friendly form inputs and timestamps.
The problem is that most companies are working to get over the hurdle of adding e-commerce or digitally native buying options for their products. They have a complicated contracting process that inhibits that level of scale.
"We have worked with a lot of companies that are trying to streamline the products that they offer, segment out more standard products to simplify the buying process, and use clickwrap as the last step to complete an online transaction. Revisiting whether signatures and typical contract workflows are really required can save thousands of hours and millions of dollars," explained Prugh.
Today there are over 400 million websites on the planet. As time goes by, a larger percentage will build e-commerce into their go-to-market strategy. Aragon Research predicts the market for CTPs will hit $15.5 billion by 2025.
"Every company is shifting to become an e-commerce company, and as they do that, clickwrap agreements will be an essential part of securing every transaction," noted Prugh.
The adoption of clickwrap should start with the high-volume, low-complexity agreements because it is easy to standardize the agreement and build a simpler workflow. That automates currently manual processes and gives you time to explore more strategic initiatives, suggested Prugh.
"The adoption process comes back to businesses shifting the way they think about contracts. Once you get a taste for what kind of automation you can create, you will have fun working through what else can be automated," he concluded.
原文作者：Jack M. Germain
这篇论文跟上一篇的VGG论文一样,在深度学习领域同样的经典,在2015年的CVPR,该论文拿到了best paper候选的论文,在之后的PASCAL VOC20...
Mobile and web applications have become an inevitable part of our life and it ha...
How To Choose The Best Technology Stack For Web Application Development? Choosin...
Top Python Frameworks for Web Development for 2020. Top 10 Python Frameworks to ...