Electronic Documents Signing and Compliance Monitoring Invention

• US 20050226473A1
• Filed: 04/07/2005
• Published: 10/13/2005
• Est. Priority Date: 04/07/2004
• Status: Abandoned Application

• Current Assignee: Subramanyan Ramesh
• Original Assignee: Subramanyan Ramesh
• Inventors: Ramesh, Subramanyan
• Application Number:
  US10/907,610
• Publication Number:
  US 20050226473A1
• Time in Patent Office: Days
• US Class Current: 382/119
• CPC Class Codes: G06F 21/64 Protecting data integrity, e.g. using checksums, certificates or signatures
• CPC Class Codes: G06Q 10/10 Office automation; Time management

Abstract

The invention enables the creation of digital originals of signed documents. Digital originals documents are managed within document sets, which may be used to store all of the documents that are required to fulfill one business purpose (such as a mortgage closing). Document sets may be encrypted, may provide meta information so that they may be indexed, managed and archived, may be versioned, and may have states. Document sets may have meta information specifying the states that they can achieve, and the rules, which specify the required characteristics (including required documents or types of documents, required signatures, required signatories or signer roles, etc.) of document sets to enter each states.

Claims

1. A method whereby whereby one or more electronic documents or contracts are signed on an electronic device by one or more signers, so that the signed originals are also electronic documents.

2. The method as recited in claim 1 where the signature on the electronic documents are composed of digital keys that are in the possession of the signers, or of third parties such as notaries or lawyers who enable electronic signing.

3. The method as recited in claim 1 where the signature on the electronic documents include image and other information captured from the act of signing on any type of electronic device that can capture such a signature, including electronic signature pads;

notepads, notebook computers, mouse or other input devices, graphics tablets, or any devices existing, or that may be developed, that can record the act of signing, including the image of the signature thereby generated, video or photographic capture of the actual act of signing, and any information about such signing (such as pressure, speed, direction and inclination of the signing device, etc.).

4. The method as recited in claim 1 where the signature on the electronic documents include personal information of the signer, including name, address, and any other gathered information.

5. The method as recited in claim 1 where the signature on the electronic documents include one or more recorded instances of authenticating the signer, by any method developed or that may be developed to authenticate an individual including:

biometric authentication (such as fingerprint or palm scan, iris scan, facial recognition, voice recognition, “

active”

signature (deriving biometric authentication from the act of signing), DNA scanning, or any other biometric method currently developed or that will be developed in the future);

smart cards or any other type of personal identification card or device;

photographic or video images of the signer;

dongles or any other digital device used to authenticate an individual;

public/private key or symmetric key possession;

passwords;

pass phrases and other means using information known by the signer; and

authentication by an authorized agent.

6. The method as recited in claim 1 where the signature on the electronic documents include records of any instances of manual or offline identification methods used by authorized agents such as attorneys or notaries, such as photos, videos, or recorded numbers of personal identification such as passports and driver'"'"'s license. Each instance of offline/manual identification may also include all authentication methods used to verify the authenticity and authorization of the authorized agents themselves

7. The method as recited in claim 1 where the signature on the electronic documents include purpose of signature and other information surrounding the ceremonial and business intentions of signing.

8. The method as recited in claim 1 where the signature on the electronic documents include the date of signature as recorded by any signer, either explicitly, or implicitly by the system.

9. The method as recited in claim 1, wherein any changes to the written content of any document disables the signatures that were on that document.

10. The method as recited in claim 1, wherein a group of documents may be placed into an electronic container, and the documents within that container may be signed so that the signed originals are electronic documents within the electronic container.

11. The method as recited in claim 10 where rules may be set for the electronic container, conerning any details of the signing process, including which documents must be included within the container, those persons who are required to sign each document, or at each place within a document.

12. The method as recited in claim 11 where rules of a container are optionally enforced, or optionally recommended to the participants, during the process of signing the documents.

13. The method as recited in claim 11 where the container or the documents within a container may go through different states, and such states can change the process or be reported during the signing process.

14. The method as recited in claim 13 where the states that are possible for a container or the documents within a container may be specified and changed within the container.

15. The method as recited in claim 11 where the container or the documents within a container may be versioned individually and together.

16. The method as recited in claim 11 where the container or the documents within a container may follow a workflow during the process of creation, signing, or versioning.