How about querying the current user's username - via the SharePoint UserProfileService web service perhaps? So when the form opens, you'll get the user's login and then you'd populate the Signature template part's username field. The username textbox should be disabled to disallow edits (or use a calculated value). So then the user will just enter his pin to retrieve the signature image.
I think you need to make sure that either the Title or the Description field in the image library matches the user's actual SharePoint username.
Hope that makes sense...