Apparatus, system, and method for presenting a document image together with a manual signature

• US 20050289059A1
• Filed: 06/28/2004
• Published: 12/29/2005
• Est. Priority Date: 06/28/2004
• Status: Abandoned Application

• Current Assignee: International Business Machines Corporation
• Original Assignee: International Business Machines Corporation
• Inventors: Stanhope, David William, Piette, James D., Brewington, James Gabriel
• Application Number:
  US10/878,148
• Publication Number:
  US 20050289059A1
• Time in Patent Office: Days
• US Class Current: 705/45
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G07F 19/00 Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines data processing equipment for bank accounting G06Q40/02

Abstract

An apparatus, system, and method are provided for presenting a document image together with a manual signature. The document image is of a traditionally paper-based transaction document such as a check. The invention includes an imager, a display device, and a controller. The imager generates a document image from a physical document. The display device displays the document image to a user. The controller associates a manual signature generated by the user with the displayed document image. An electronic representation of the manual signature may be generated using a digitizer in communication with the controller. Preferably, the components of the invention are implemented using multipurpose devices such as a touch-screen display, printer/scanner, and the like.

Claims

1. An apparatus for presenting a document image together with a manual signature, the apparatus comprising:

an imager configured to generate a document image from a physical document;

a display device configured to display the document image to a user; and

a controller configured to associate a manual signature generated by the user with the displayed document image.

2. The apparatus of claim 1, wherein the controller overlays the document image with an electronic representation of the manual signature.

3. The apparatus of claim 1, further comprising a reception module configured to receive the physical document from the user and present the physical document to the imager.

4. The apparatus of claim 1, further comprising a combiner configured to modify the document image to include an electronic representation of the manual signature.

5. The apparatus of claim 1, wherein the controller overlays the document image with transaction-specific information the apparatus further comprising a storage module configured to store the document image and an electronic representation of the manual signature.

6. The apparatus of claim 1, further comprising a confirmation module configured to confirm the accuracy of pre-printed information of the physical document displayed in the document image and collect accurate information for use in place of inaccurate pre-printed information and further comprising an authentication module configured to augment the pre-printed information in the document image with authentication information provided by the user.

7. An apparatus for presenting a document image together with a manual signature, the apparatus comprising:

a printer/scanner configured to print on a physical document and generate a document image from the physical document;

a signature capture device configured to display the document image to a user and capture an electronic representation of a manual signature generated by the user; and

a controller coupled to the printer/scanner and signature capture device, the controller configured to dynamically overlay the document image with the electronic representation of the manual signature as the manual signature is generated by the user.

8. The apparatus of claim 7, wherein the printer/scanner receives the physical document from the user.

9. The apparatus of claim 7, wherein the controller modifies the document image to include the electronic representation of the manual signature.

10. The apparatus of claim 7, wherein the controller overlays the document image with transaction-specific information.

11. The apparatus of claim 7, wherein the physical document comprises a check and wherein the printer/scanner comprises a magnetic ink reader configured to read Magnetic Ink Character Recognition (MICR) information from the check and wherein the controller initiates an electronic check conversion transaction in response to the user generating the manual signature on top of the document image of the check.

12. A system for presenting a document image together with a manual signature, the system comprising:

a document feeder configured to receive a physical document;

an imager configured to generate a document image from the physical document received by the feeder;

a display device in communication with the imager and configured to display the document image to a user;

a controller in communication with the display device and configured to overlay the document image with an electronic representation of a manual signature provided by the user; and

a printer coupled to the document feeder and configured to print the electronic representation of the manual signature and transaction-specific information on the physical document.

13. The system of claim 12, further comprising a digitizer coupled to the controller, the digitizer configured to generate the electronic representation of the manual signature.

14. The system of claim 12, further comprising a storage device configured to store the document image and the electronic representation of the manual signature.

15. The system of claim 12, further comprising a communication interface configured to initiate an electronic transaction in response to the user generating the manual signature on top of the document image of the physical document.

16. A method for presenting a document image together with a manual signature, the method comprising:

generating a document image from a physical document;

displaying the document image to a user; and

overlaying the document image with an electronic representation of a manual signature generated by the user.

17. The method of claim 16, further comprising receiving the physical document from the user.

18. The method of claim 16, further comprising associating the document image with the electronic representation of the manual signature.

19. The method of claim 18, wherein associating the document image comprises modifying the document image to include the electronic representation of the manual signature.

20. The method of claim 16, further comprising overlaying the document image with transaction-specific information.

21. The method of claim 16, further comprising confirming the accuracy of pre-printed information of the physical document displayed in the document image and collecting accurate information for use in place of inaccurate pre-printed information.

22. The method of claim 16, further comprising augmenting the pre-printed information of the physical document displayed in the document image with authentication information provided by the user.

23. The method of claim 16, further comprising storing the document image and the electronic representation of the manual signature.

24. An article of manufacture comprising a program storage medium readable by a processor and embodying one or more instructions executable by a processor to perform a method for presenting a document image together with a manual signature, the method comprising:

generating a document image from a physical document;

displaying the document image to a user; and

overlaying the document image with an electronic representation of a manual signature generated by the user.

25. The article of manufacture of claim 24, further comprising receiving the physical document from the user.

26. The article of manufacture of claim 24, further comprising associating the document image with the electronic representation of the manual signature.

27. The article of manufacture of claim 26, wherein associating the document image comprises modifying the document image to include the electronic representation of the manual signature.

28. The article of manufacture of claim 24, further comprising overlaying the document image with transaction-specific information.

29. The article of manufacture of claim 24, further comprising storing the document image and the electronic representation of the manual signature.

30. An apparatus for presenting a document image together with a manual signature, the method comprising:

means for generating a document image from a physical document;

means for displaying the document image to a user; and

means for overlaying the document image with an electronic representation of a manual signature generated by the user.