Signature and identity authentication and documentation using a third party witnessed authenticator via a video conference

• US 20080209516A1
• Filed: 02/23/2007
• Published: 08/28/2008
• Est. Priority Date: 02/23/2007
• Status: Abandoned Application

• Current Assignee: Nick Nassiri
• Original Assignee: Nick Nassiri
• Inventors: Nassiri, Nick
• Application Number:
  US11/710,169
• Publication Number:
  US 20080209516A1
• Time in Patent Office: Days
• US Class Current: 726/3
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/33 using certificates
• CPC Class Codes: G06F 21/35 communicating wirelessly
• CPC Class Codes: G06F 21/6209 to a single file or object, e.g. in a secure envelope, encrypted and accessed using a key, or with access control rules appended to the object itself
• CPC Class Codes: G06F 21/64 Protecting data integrity, e.g. using checksums, certificates or signatures
• CPC Class Codes: G06F 2221/2101 Auditing as a secondary aspect
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 63/0823 using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• CPC Class Codes: H04L 63/126 the source of the received data
• CPC Class Codes: H04L 9/321 involving a third party or a trusted authority
• 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
• CPC Class Codes: H04L 9/3247 involving digital signatures

Abstract

The method of the present invention functions to perform signature and identity authentication using a third party witness whereby the parties are enjoined via a video conference and whereby an authorized identity document is created. The invention is suited to transactions that require a legally binding, traditional witnessed authentication. The method of the present invention creates legally binding documents that comprise biometric information, including at least one of the group of, a passport, a drivers license, government issued identity card, or an corporate identity document.

Claims

1. A method for providing and performing identity and signature authentication services using a paperless electronic document platform, the internet or other TCP/IP (Transmission Control Protocol/Internet Protocol) based network, a video conference network, a customer local computer system, a desktop manager, a host computer server, an electronic transaction manager, an electronic transaction manager database, an electronic document repository, an electronic document, an electronic transaction, a rules-based integrity check, an electronic transaction status board, notarization processes, an electronic signature input device, an electronic notary seal input device, and an electronic notary journal, said method comprising the steps of:

a. a customer using said customer local computer system to access said host computer server;

b. said customer using said customer local computer system to register with said electronic transaction manager;

c. said customer using said local computer system to access said electronic document repository;

d. said customer using said local computer system to download said electronic document from said electronic document repository to said customer local computer system;

e. said electronic transaction manager initiating said video conference between at least one of a witnessed authenticator, an authorized part and a signatory on behalf of said customer;

f. said electronic transaction manager assigning an initial password to said electronic document;

g. said customer using said customer local computer system to input information into said electronic document;

h. said desktop manager executing said rules-based integrity check;

i. said customer using said customer local computer system to upload said electronic document to said electronic document repository from said customer local computer system;

j. said electronic transaction manager executing said rules-based integrity check;

k. said electronic transaction manager recording said electronic document transaction in said electronic transaction manager database;

l. said customer using said customer local computer system to input information into said electronic transaction status board;

m. said electronic transaction manager notifying other authorized parties that said electronic document is ready for retrieval by said other authorized parties;

n. said electronic transaction manager assigning an access password to said other authorized parties;

o. said other authorized parties using said customer local computer system to download said electronic document from said electronic document repository to said customer local computer system of said other authorized parties, using said access password;

p. said other authorized parties using said customer local computer system to input information into said electronic document;

q. said desktop manager executing said rules-based integrity check;

r. said other authorized parties using said customer local computer system to upload said electronic document to said electronic document repository;

s. said electronic transaction manager executing said rules-based integrity check;

t. said electronic transaction manager recording said electronic document transaction in said electronic transaction manager database;

u. said other authorized parties using said customer local computer system to input information into said transaction status board;

v. said electronic transaction manager determining when said electronic document is ready for signature and notarization;

w. said electronic document transaction manager notifying a signatory required to sign said electronic document when said electronic document is ready for signature;

x. said signatory accessing a notary public, whereby said notary public downloads said electronic document from said electronic document repository;

y. said electronic signature input device obtaining the electronic, manual, handwritten signature of said signatory;

z. said signatory inputting biometric information, aa. said desktop manager simultaneously affixing said electronic, manual, handwritten signature of said signatory and the biometric information of said signatory to said electronic document;

bb. said electronic signature input device obtaining the electronic, manual, handwritten signature of said notary public;

cc. said desktop manager simultaneously affixing said electronic, manual, handwritten signature of said notary public to said electronic document;

dd. said electronic notary seal input device affixing an electronic notary seal to said electronic document;

ee. said desktop manager executing said rules-based integrity check to verify said electronic notary seal is authentic;

ff. said desktop manager recording said notarization processes in said electronic notary journal;

gg. said desktop manager terminating said video conference and encrypting said electronic document;

hh. said notary public uploading said electronic document to said electronic document repository;

ii. said electronic transaction manager executing said rules-based integrity check; and

jj. said electronic transaction manager archiving said electronic document for future use, reference or retrieval.

2. The method of claim 1 whereby the method of distributing video content in a multi-participant video conference, said conference having one central distributor of video content, the method comprising:

a) at the central distributor, receiving participant video images from each participant, b) generating composite images from the received participant images, and c) transmitting said composite images to said participants.

3. The method of claim 1 whereby the method of distributing video content in a multi-participant video conference, said conference having one central distributor of video content, the method comprising:

a) at the central distributor, receiving participant audio images from each participant, b) generating audio content from the received participant images, and c) transmitting said composite audio to said participants.

4. The method of claim 1 whereby the method of distributing video content in a multi-participant video conference, said conference having one central distributor of video content, the method comprising:

a) at the central distributor, receiving participant electronic data images from each participant, b) generating electronic data images from the received participant images, and c) transmitting said electronic data images to said participants.

5. The method of claim 1 further comprising:

at each particular participant'"'"'s location, a) receiving the composite image transmitted to the particular participant, b) capturing an image of the particular participant;

c) rendering said participant images contained within the transmitted composite image with said captured images of the particular participant for display.

6. The method of claim 1, wherein the composite image comprises a plurality of sets of pixels, each pixel set has an identifier that identifies the participant image associated with the pixel set, the method further comprising at each participant'"'"'s location, utilizing the identifiers of the pixel sets to identify the participant images contained within the transmitted composite image.

7. The method of claim 1, the method further comprising:

a) at the central distributor, saving said received video images before generating said composite images, b) comparing the received video image of each participant with the saved preceding video image of the particular participant, and c) utilizing the received video image in generating the composite image if the received video image and the preceding received video image are not identical.

8. The method of claim 1, the method further comprising a computer readable medium storing a compute program for distributing video content in a multi-participant video conference, said conference having one central distributor of video content, the computer program comprising sets of instructions for:

a) at the central distributor, receiving participant video images from each participant, b) generating composite images from the received participant images, and c) transmitting said composite images to said participants.

9. The method of claim 1, wherein the central distributor includes a data storage, the computer program further comprising a set of instructions for placing each said received participant image in the said data storage in a non-interleaved manner such that each said received participant image is not interleaved with any of the other received participant images.

10. The method of claim 1, wherein the computer program further comprises sets of instructions for:

a) creating a separate composite image for each particular participant, and b) removing each particular participant'"'"'s received participant image from the particular participant'"'"'s separate composite image before transmitting the separate composite image to the particular participant.

11. The method of claim 1 whereby said desktop manager further comprises the step of said desktop manager highlights or otherwise indicates each place in said electronic document where the electronic signature of said signatory is to be input into said single, finalized electronic document.

12. The method of claim 11 whereby said signatory inputs said electronic signature into said single, finalized electronic document using said electronic signature input device;

and whereby said desktop manager affixes said electronic signature in the designated places of said single, finalized document.

13. The method of claim 12 whereby said electronic signature input device may be a remote device or a function of said customer local computer system, and whereby said electronic signature appears as a graphical representation of said signatory'"'"'s manual, hand-written signature.

14. The method of claim 12 whereby said electronic signature input device may be a remote device or a function of said customer local computer system;

and whereby said electronic signature of said signatory appears in the form of an electronic code.

15. The method of claim 1 whereby said customer establishes a registration account with said electronic transaction manager, whereby said customer inputs verification information to establish said registration account.

16. The method of claim 1 whereby said notary public establishes a registration account with said electronic transaction manager, whereby said notary public inputs verification information to establish said registration account.

17. The method of claim 1 whereby said electronic document repository further comprises a variety of said electronic documents and a plurality of said electronic documents;

said electronic documents being represented by category or by type of said electronic document.

18. The method of claim 1 whereby said electronic transaction manager further comprises the step of assigning a unique code or reference number to each said electronic document stored in said electronic document repository;

said code or said reference number in said electronic transaction manager database for internal management and tracking of said electronic document.

19. The method of claim 1 whereby said desktop manager further comprises the step of accessing said electronic document repository and selecting said electronic document or a plurality of said electronic document for download to said customer local computer system.

20. The method of claim 1 whereby said electronic transaction manager further comprises the step of assigning a document name and an initial password to said electronic document that is downloaded to said customer local computer system from said electronic document repository.

21. The method of claim 1 whereby said electronic transaction manager further comprises the step of said customer assigning said document name and said initial password to said electronic document that is downloaded to said customer local computer system from said electronic document repository.

22. The method of claim 1 whereby said electronic transaction manager further comprises the step of recording the code or the reference number assigned to said electronic document, said document name assigned to said electronic document, and said initial password assigned to said electronic document in said registration account of said customer for internal management and tracking of said electronic document by said electronic transaction manager.

23. The method of claim 1 whereby said desktop manager further comprises the step of displaying an image of said electronic document on the browser of said customer local computer system, wherein said image being a representation of the hard copy paper document said electronic document replaces.

24. The method of claim 1 whereby said desktop manager further comprises the step of said desktop manager highlighting or otherwise indicates where said information is to be input into said electronic document by said customer, and whereby said customer inputs said information into said electronic document from said customer local computer system.

25. The method of claim 1 whereby said desktop manager further comprises the steps of downloading and uploading said electronic document from said customer local computer system to said electronic document repository.

26. The method of claim 1 whereby said document desktop manager further comprises said rules-based integrity check;

said rules-based integrity check comprising a logic process that is executed prior to uploading said electronic document to said electronic document repository from said customer local computer system.

27. The method of claim 1 whereby said electronic transaction manager further comprises said rules-based integrity check;

said rules-based integrity check further comprising a logic process that is executed after downloading and uploading said electronic document to said electronic document repository from said customer local computer system.

28. The method of claim 1 whereby said electronic transaction manager further comprises said electronic transaction status board;

said electronic transaction status board further comprising the step of said electronic transaction manager automatically inputs said information regarding said electronic document into said electronic transaction status board.

29. The method of claim 1 whereby said electronic transaction manager further comprises an electronic transaction manager database;

said transaction manager database further comprising the step or recording said functions of said electronic transaction manager.

30. The method of claim 1 whereby said electronic transaction manager further comprises the step of assigning an access password to said electronic document for retrieval from said electronic document repository by said other authorized parties;

wherein each said access password of said other authorized parties is unique.

31. The method of claim 1 whereby said electronic transaction manager further comprises the step of notifying said other authorized parties are notified when said electronic document is ready for retrieval from said electronic document repository.

32. The method of claim 1 whereby said electronic transaction manager further comprises the step of said access password assigned to said electronic document is disseminated to said other authorized parties.

33. The method of claim 1 whereby said desktop manager further comprises the step of said other authorized parties download said electronic document from said electronic document repository to said customer local computer system using said access password assigned to said electronic document.

34. The method of claim 1 whereby said other authorized parties utilize said desktop manager in the same manner and function as did said customer to download said electronic document, input said information into said electronic document, and upload said electronic document to said electronic document repository;

said electronic document being subject to said rules-based integrity check by said desktop manager prior to said upload and to said rules-based integrity check by said electronic transaction manager after said upload.

35. The method of claim 1 whereby said electronic transaction manager further comprises the step of said other authorized parties may access multiples copies of said electronic document singularly, or simultaneously, from said electronic document repository, wherein said multiple copies of said electronic document are identical in form and substance.

36. The method of claim 35 whereby said electronic transaction manager further comprises the step of compiling said information input singularly and simultaneously into said copies of said electronic document by said other authorized parties into a single, finalized electronic document.

37. The method of claim 36 whereby said electronic transaction manager further comprises the step of determining when said single, finalized electronic document is ready for signature and notarization.

38. The method of claim 37 whereby said electronic transaction manager further comprises the step of:

notifying the signatory that said single, finalized electronic document is ready for signature and; and

disseminating said temporary signing password to said signatory.

39. The method of claim 37 whereby said electronic transaction manager further comprising the step of to allow said customer or said other authorized parties to change said information in said single, finalized electronic document, and whereby only the originator who input said information into said electronic document may alter said information.

40. The method of claim 34 further comprising the step of said electronic transaction manager notifies said customer and said other authorized parties when said originator of said information alters said information;

and whereby said electronic transaction manager requires said customer and said other authorized parties to expressly agree to said alter of said information.

41. The method of claim 34 whereby said electronic transaction manager further comprises the step of assigning a temporary signing password to said single, finalized electronic document.

42. The method of claim 34 whereby said desktop manager further comprises the step of said notary public downloads said single, finalized electronic document from said electronic document repository using said customer local computer system and said temporary signing password supplied by said signatory.

43. The method of claim 34 whereby said desktop manager further comprises the step of displaying a graphical image of said single, finalized electronic document on the browser of said customer local computer system, wherein said graphical image is a representation of the hard copy paper document said single, finalized electronic document replaces.

44. The method of claim 34 whereby said desktop manager further comprises the step of said desktop manager highlights or otherwise indicates each place in said single, finalized electronic document where the electronic signature of said notary public is to be input into said single, finalized electronic document.

45. The method of claim 42 whereby said notary public inputs said electronic signature into said single, finalized electronic document using said electronic signature input device;

and whereby said desktop manager affixes said electronic signature in the designated places of said single, finalized document.

46. The method of claim 43 whereby said electronic signature input device may be a remote device or a function of said customer local computer system;

and whereby said electronic signature appears as a graphical representation of said notary public'"'"'s manual, hand-written signature.

47. The method of claim 43 whereby said electronic signature input device may be a remote device or a function of said customer local computer system;

and said electronic signature of said notary public appears in the form of an electronic code.

48. The method of claim 45 whereby said desktop manager further comprises the step of requiring a separate electronic signature for each place said electronic signature is required in said single, finalized electronic document;

and whereby said desktop manager will not replicate said electronic signature should multiple electronic signatures be required.

49. The method of claim 43 whereby said desktop manager further comprises the step of said desktop manager highlights or otherwise indicates each place where an electronic notary seal is to be input into said single, finalized electronic document.

50. The method of claim 34 whereby said electronic notary seal input device further comprises the step of said notary public affixes said electronic notary seal to said single, finalized electronic document where indicated by said desktop manager.

51. The system of claim 48 whereby said desktop manager further comprises said rules-based integrity check, whereby said electronic notary seal input device must match a secure code embedded in said desktop manager in order to affix said electronic notary seal to said single, finalized electronic document.

52. The method of claim 48 further comprises said electronic notary seal may appear as a graphical representation on said single, finalized electronic document or may appear in the form of an electronic barcode on said single, finalized electronic document.

53. The method of claim 34 whereby said desktop manager further comprises the step of encrypting said single, finalized electronic document in order to prohibit any changes being made to said single, finalized electronic document.

54. The method of claim 34 whereby said desktop manager further comprises the step of said notary public uploads said single, finalized electronic document to said electronic repository.

55. The method of claim 34 whereby said electronic transaction manager further comprises the step of archiving said single, finalized electronic document for future use or retrieval.

56. The method of claim 1 whereby said desktop manager further comprises the step of said desktop manager highlights or otherwise indicates each place in said electronic document where the electronic signature of said signatory is to be input into said single, finalized electronic document.

57. The method of claim 54 whereby said signatory inputs said electronic signature into said single, finalized electronic document using said electronic signature input device;

and whereby said desktop manager affixes said electronic signature in the designated places of said single, finalized document.

58. The method of claim 1 whereby said customer local computer system of said customer further comprises said desktop manager;

said desktop manager further comprising the step of using means for said computer local computer system to interface with said host computer server, said electronic transaction manager, said electronic transaction manager database, said electronic document repository, said electronic document, said rules-based integrity check, said electronic transaction status board, said notarization processes, said electronic signature input device, said electronic notary seal input device, and said electronic notary journal.

59. The method of claim 1 whereby said customer local computer system of said notary public further comprises said desktop manager;

said document manager further comprising the step of using means for said customer local computer system of said notary public to interface with said host computer server, said electronic transaction manager, said electronic transaction manager database, said electronic document repository, said electronic document, said rules-based integrity check, said electronic transaction status board, said notarization processes, said electronic signature input device, said electronic notary seal input device, and said electronic notary journal.

60. The method of claim 1 whereby said rules-based integrity check of said desktop manager further comprises the step of authenticating said electronic notary seal by matching the verification information associated with said notary seal to said registration account of said notary public.

61. The method of claim 1 whereby said desktop manager further comprises said electronic notary journal;

said electronic notary journal further comprising the information required by the governing law of the state or country of said notary public to legally enforce said notarization processes.

62. The method of claim 59 further comprises the step of upon said notary public affixing said electronic notary seal to said single, finalized electronic document, said desktop manager executes said notary journal whereby an independent electronic notary journal record of said notary public is created on said customer local computer system.

63. The method of claim 1 whereby said desktop manager further comprises the step of terminating said temporary signing password upon said desktop manager creating said independent electronic notary journal record.

64. The method of claim 62 whereby said electronic transaction manager terminates said video conference between said witnessed authenticator, said authorized party, and said signatory.

65. The method of claim 1 whereby said electronic document may be a physical hard copy document.

66. The system of claim 65 wherein said hard copy document may contain biometric information, including at least one of the group of a signature, a fingerprint, a handprint, a voice print, a retinal print, or a digital certificate.

67. The system of claim 65 wherein said hard copy document may contain personal identity information, including at least one of a group of date of birth, gender, citizenship, height, weight, eye color, hair color, occupation, residence, or personal history as required by governing agencies.