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We examine a pen-movement vector parameter to reduce the computational complexity in the on-line signature verification method based on discrete wavelet transform (DWT) and adaptive signal processing. The pen-movement vector is a time-varying signal which is derived from pen-position parameters and is decomposed into sub-band signals by using the DWT. Individual features are extracted as high frequency components in sub-bands. Verification is achieved in each sub-band by using the adaptive signal processing. Total decision for verification is done by combining multiple verification results. Experimental results show that the verification rate using the pen-movement vector parameter is equivalent to that of our conventional method which utilizes the pen-position parameter although computational complexity is reduced to half of that of the conventional method.