Remote document execution and network transfer using augmented reality display devices

• US 10,462,131 B2
• Filed: 10/31/2018
• Issued: 10/29/2019
• Est. Priority Date: 11/16/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Votaw, Elizabeth S., Ogrinz, Michael, Wadley, Cameron D., Lee, Jisoo, Dintenfass, Katherine, Wyllie, Graham M., Dravneek, Victoria L.
• Primary Examiner(s): Tsang, Henry
• Application Number:
  US16/176,340
• Publication Number:
  US 20190068590A1
• Time in Patent Office: 363 Days
• Field of Search: None
• CPC Class Codes: G02B 2027/0138 comprising image capture systems, e.g. camera
• CPC Class Codes: G02B 2027/014 comprising information/image processing systems
• CPC Class Codes: G02B 2027/0141 characterised by the informative content of the display
• CPC Class Codes: G02B 2027/0178 Eyeglass type eyeglass details G02C
• CPC Class Codes: G02B 2027/0187 slaved to motion of at least a part of the body of the user, e.g. head, eye
• CPC Class Codes: G02B 27/017 Head mounted
• CPC Class Codes: G06F 21/00 Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
• CPC Class Codes: G06F 21/645 using a third party
• CPC Class Codes: G06F 3/005 Input arrangements through a video camera
• CPC Class Codes: G06F 3/011 Arrangements for interaction with the human body, e.g. for user immersion in virtual reality blind teaching G09B21/00
• CPC Class Codes: G06F 3/014 Hand-worn input/output arrangements, e.g. data gloves
• CPC Class Codes: G06F 3/017 Gesture based interaction, e.g. based on a set of recognized hand gestures interaction based on gestures traced on a digitiser G06F3/04883
• CPC Class Codes: G06F 3/03545 Pens or stylus
• CPC Class Codes: G06T 11/00 2D [Two Dimensional] image generation
• CPC Class Codes: G06T 11/60 Editing figures and text; Combining figures or text
• CPC Class Codes: G06V 30/40 Document-oriented image-based pattern recognition
• CPC Class Codes: G06V 40/33 based only on signature image, e.g. static signature recognition
• CPC Class Codes: G06V 40/70 Multimodal biometrics, e.g. combining information from different biometric modalities
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 9/0866 involving user or device identifiers, e.g. serial number, physical or biometrical information, DNA, hand-signature or measurable physical characteristics
• CPC Class Codes: H04L 9/3231 : Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861

Abstract

An augmented reality user device includes a display, a physical identification verification engine, a gesture confirmation engine, and in interface. The display overlays a virtual file document onto a tangible object. The physical identification verification engine receives biometric data for a witness and confirms the witness'"'"'s identity. The display displays a gesture motion from the signor. The gesture capture engine captures a gesture motion from the witness. The gesture capture engine generates a witness digital signature based on the captured gesture motion from the witness. The gesture capture engine generates a witness transfer token, the witness transfer token comprising the witness digital signature based on the captured gesture from the witness and the witness identity confirmation token. The interface communicates the witness transfer token to a server.

Claims

1. An augmented reality system comprising:

a server comprising a memory operable to store a virtual file folder, the virtual file folder comprising a virtual file document;

a first augmented reality user device for a signor comprising;

a first display configured to overlay the virtual file document onto a tangible object in real-time;

a first physical identification verification engine operable to generate a signor identity confirmation token indicating a confirmation of the signor'"'"'s identity; and

a first gesture capture engine operable to;

capture a gesture motion from the signor, the gesture motion representing a signor digital signature on the virtual file document; and

generate a signor transfer token, the signor transfer token comprising the signor digital signature and the signor identity confirmation token;

a second augmented reality user device for a notary comprising;

a second display configured to overlay the virtual file document onto a tangible object in real-time;

a second physical identification verification engine operable to generate a notary identity confirmation token indicating a confirmation of the notary'"'"'s identity;

a gesture confirmation engine operable to;

receive the signor identity confirmation token; and

display, via the second display, the gesture motion from the signor, the gesture motion from the signor displayed on the virtual file document;

a second gesture capture engine operable to;

capture a gesture motion from the notary, the gesture motion from the notary representing a notary digital signature on the virtual file document; and

generate a notary transfer token, the notary transfer token comprising the notary digital signature and the notary identity confirmation token; and

the server further comprising;

an interface operable to receive the signor transfer token and the notary transfer token; and

a processor operable to;

generate an executed document using the signor transfer token, the notary transfer token, and the virtual file document; and

store the executed document in the virtual file folder.

2. The augmented reality system of claim 1, wherein generating the signor identity confirmation token comprises receiving biometric data for the signor using at least one of a retinal scanner, a fingerprint scanner, a voice recorder, and a first camera.

3. The augmented reality system of claim 1, wherein, the first gesture capture engine comprises at least one of a first capture camera, a first stylus, and a first data glove.

4. The augmented reality system of claim 1, further comprising a biometric database comprising the predetermined biometric data for the signor and operable to communicate the predetermined biometric data for the signor to the first physical identification verification engine.

5. The augmented reality system of claim 1, wherein the second augmented reality user device displays the gesture motion from the signor in real-time as the gesture motion from the signor occurs.

6. The augmented reality system of claim 1, wherein:

the server is further operable to;

receive the signor transfer token at a first time;

receive a request for the signor transfer token from the second augmented reality user device; and

communicate the signor transfer token to the second augmented reality user device in response to the request; and

the second augmented reality user device is further operable display the gesture motion from the signor at a second time that is later than the first time.

7. The augmented reality system of claim 1, further comprising a third augmented reality user device for a witness comprising:

a third display configured to overlay the virtual file document onto a tangible object in real-time;

a third physical identification verification engine operable to generate a witness identity confirmation token indicating a confirmation of the witness'"'"' identity;

a gesture confirmation engine operable to;

receive the signor identity confirmation token; and

display, via the third display, the gesture motion from the signor, the gesture motion from the signor displayed on the virtual file document;

a third gesture capture engine operable to;

capture a gesture motion from the witness, the gesture motion from the witness representing a witness digital signature on the virtual file document; and

generate a witness transfer token, the witness transfer token comprising the witness digital signature and the witness identity confirmation token.

8. An augmented reality digital data transfer method comprising:

overlaying, by a first augmented reality user device for a signor, a virtual file document onto a tangible object in real time;

generating, by the first augmented reality user device, a signor identity confirmation token indicating a confirmation of the signor'"'"'s identity;

capturing, by the first augmented reality user device, a gesture motion from the signor, the gesture motion representing a signor digital signature on the virtual file document;

generating, by the first augmented reality user device, a signor transfer token, the signor transfer token comprising the signor digital signature and the signor identity confirmation token;

generating, by a second augmented reality user device for a notary, a notary identity confirmation token indicating the confirmation of a notary'"'"'s identity;

receiving, by the second augmented reality user device, the signor identity confirmation token;

displaying, by the second augmented reality user device, the gesture motion from the signor, the gesture motion from the signor displayed on the virtual file document;

capturing, by the second augmented reality user device, a gesture motion from the notary, the gesture motion from the notary representing a notary digital signature on the virtual file document;

generating, by the second augmented reality user device, a notary transfer token, the notary transfer token comprising the notary digital signature and the notary identity confirmation token;

receiving, by a network device, the signor transfer token and the notary transfer token;

generating, by the network device, an executed document using the signor transfer token, the notary transfer token, and the virtual file document; and

storing, by the network device, the executed document in the virtual file folder.

9. The method of claim 8, wherein generating the signor identity confirmation token comprises receiving biometric data from at least one of a retinal scanner, a fingerprint scanner, a voice recorder, and a first camera.

10. The method of claim 8, wherein, the gesture motion from the signor is captured using at least one of a first capture camera, a first stylus, and a first data glove.

11. The method of claim 8, wherein generating the signor identity confirmation token comprises comparing captured biometric data for the signor with biometric data for the signor from a biometric database.

12. The method of claim 8, wherein the gesture motion from the signor is displayed to the notary in real-time as the gesture motion from the signor occurs.

13. The method of claim 8, further comprising:

receiving, by the server, the signor transfer token at a first time;

receiving, by the server, a request for the signor transfer token from the second augmented reality user device;

communicating, by the server, the signor transfer token to the second augmented reality user device in response to the request; and

displaying, by the second augmented reality user device, the gesture motion from the signor to the notary at a second time that is later than the first time.

14. The method of claim 8, further comprising:

overlaying, by a third augmented reality user device for a witness, the virtual file document onto a tangible object for a witness in real-time;

generating, by the third augmented reality user device, a witness identity confirmation token indicating a confirmation of the witness'"'"' identity;

receiving, by the third augmented reality user device, the signor identity confirmation token;

displaying, by the third augmented reality user device, the gesture motion from the signor, the gesture motion from the signor displayed on the virtual file document;

capturing, by the third augmented reality user device, a gesture motion from the witness, the gesture motion from the witness representing a witness digital signature on the virtual file document; and

generating, by the third augmented reality user device, a witness transfer token, the witness transfer token comprising the witness digital signature and the witness identity confirmation token.

15. An augmented reality user device comprising:

a display configured to overlay a virtual file document onto a tangible object in real-time;

a physical identification verification engine operable to generate a witness identity confirmation token indicating the confirmation of a witness'"'"' identity;

a gesture confirmation engine operable to;

receive a signor identity confirmation token; and

display, via the display, a gesture motion from the signor, the gesture motion from the signor displayed on the virtual file document;

a gesture capture engine operable to;

capture a gesture motion from the witness, the gesture motion from the witness representing a witness digital signature on the virtual file document; and

generate a witness transfer token, the witness transfer token comprising the witness digital signature and the witness identity confirmation token; and

an interface operable to communicate the witness transfer token to a server.

16. The apparatus of claim 15, wherein generating the signor identity confirmation token comprises receiving biometric data for the witness using at least one of a retinal scanner, a fingerprint scanner, a voice recorder, and a first camera.

17. The apparatus of claim 15, wherein, the gesture capture engine comprises at least one of a first capture camera, a first stylus, and a first data glove.

18. The apparatus of claim 15, wherein generating the signor identity confirmation token comprises comparing captured biometric data for the signor with biometric data for the witness received from a biometric database.

19. The apparatus of claim 15, wherein the augmented reality user device displays the gesture motion from the signor in real-time as the gesture motion from the signor occurs.

20. The apparatus of claim 15, wherein the augmented reality user device is further operable to:

communicate a request for the signor transfer token at a first time;

receive the signor transfer token in response to the request; and

display the gesture motion from the signor at a second time that is later than the first time.