Handwriting verification methods and related computer systems, and handwriting-based user authentication methods and related computer systems are disclosed. A handwriting verification method comprises obtaining a handwriting test sample containing a plurality of available parameters, extracting geometric parameters, deriving geometric features comprising an x-position value and a y-position value for each of a plurality of feature points in the test sample, performing feature matching between geometric features of the test sample and a reference sample, determining a handwriting verification result based at least in part on the feature matching, and outputting the handwriting verification result. Techniques and tools for generating and preserving electronic handwriting data also are disclosed. Raw handwriting data is converted to a streamed format that preserves the original content of the raw handwriting data. Techniques and tools for inserting electronic handwriting data into a digital image also are disclosed.