SYSTEM, METHOD AND COMPUTER PROGRAM, FOR ENABLING ENTRY INTO TRANSACTIONS ON A REMOTE BASIS
First Claim
1. A method for enabling entry into transactions remotely, wherein a first computer is provided at a first location of one or more parties to a transaction, and a second computer is provided at a second location of one or more other parties to the transaction, the first computer and the second computer being linked so as to provide communication therebetween, characterized by:
- (a) either the first computer, the second computer, or both of the first computer and the second computer initiating a request to authenticate one or more of the parties, a document associated with the transaction, and/or the transaction;
(b) in response to the request(s) to authenticate, one or more of the parties providing a signature or other handwriting as input to the first computer or the second computer at their location by operation of an input device linked to such first computer or second computer; and
(c) transmitting the signature or other handwriting from the first computer or the second computer to the other of the first computer or second computer, or to a central authentication server, and associating the signature or other handwriting, along with optionally other data elements, with the document, so as to authenticate one or more of the parties, the document, or the transaction.
2 Assignments
0 Petitions
Accused Products
Abstract
A system, method and computer program for enabling transactions on a remote basis is provided. The method of the present invention comprises the steps of: (1) providing a first computer at a location of a customer, and providing a second computer at a location of a financial institution, the first computer and the second computer being linked so as to provide a two-way audiovisual communication system; (2) providing an authentication request at the second computer and communicating the request to the first computer; (3) the customer reviewing the request and providing a signature or other writing as an input to an input device connected to the first computer; (5) transmitting the signature from the first computer to the second computer; (6) receiving the signature and providing the signature to a plotting device connected to the second computer; and (7) applying the signature to a transactional document, wherein the audiovisual information received by the second computer and the signature received by the second computer in combination provide a means of transaction authentication and non-repudiation.
-
Citations
22 Claims
-
1. A method for enabling entry into transactions remotely, wherein a first computer is provided at a first location of one or more parties to a transaction, and a second computer is provided at a second location of one or more other parties to the transaction, the first computer and the second computer being linked so as to provide communication therebetween, characterized by:
-
(a) either the first computer, the second computer, or both of the first computer and the second computer initiating a request to authenticate one or more of the parties, a document associated with the transaction, and/or the transaction; (b) in response to the request(s) to authenticate, one or more of the parties providing a signature or other handwriting as input to the first computer or the second computer at their location by operation of an input device linked to such first computer or second computer; and (c) transmitting the signature or other handwriting from the first computer or the second computer to the other of the first computer or second computer, or to a central authentication server, and associating the signature or other handwriting, along with optionally other data elements, with the document, so as to authenticate one or more of the parties, the document, or the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 16, 17, 18, 19, 20)
-
-
15. A system for enabling entry into transactions remotely, characterized in that the system includes:
(a) a first computer provided at a first location of one or more parties to a transaction, the first computer being linked to a second computer provided at a second location of one or more other parties to the transaction, the first computer and the second computer being operable to permit communication therebetween; (i) the first computer being linked to or including an authentication utility that is operable to initiate a request to authenticate one or more of the parties, a document associated with the transaction, and/or the transaction, or to act on such a request received from the second computer or from a central authentication server; (ii) the authentication utility being linked to or incorporating a writing utility that enables, in response to the request(s) to authenticate, one or more of the parties to provide a signature or other handwriting as input to the first computer; and (iii) the first computer being operable to transmit the signature or other handwriting from the first computer or the second computer to the other of the first computer or second computer, or to a central authentication server, and associating the signature or other handwriting, along with optionally other data elements, with the document, so as to authenticate one or more of the parties, the document, or the transaction. - View Dependent Claims (21)
-
22. A computer program including computer instructions executable by a computer, the computer program characterized in that:
-
(a) the computer program includes an authentication utility that is operable to initiate a request to authenticate one or more of parties associated with a transaction, a document associated with the transaction, and/or the transaction, or to act on such a request received from a remote computer or from a central authentication server; (b) the authentication utility is linked to or incorporates a writing utility that enables, in response to the request(s) to authenticate, one or more of the parties to provide a signature or other handwriting as input to the computer; and (c) the computer program being operable to transmit the signature or other handwriting from the computer to the remote computer, or to the central authentication server, and associating the signature or other handwriting, along with optionally other data elements, with the document, so as to authenticate one or more of the parties, the document, or the transaction.
-
Specification