Document and signature data capture system and method

• US 6,064,751 A
• Filed: 07/08/1998
• Issued: 05/16/2000
• Est. Priority Date: 08/31/1994
• Status: Expired due to Term

• Current Assignee: PenOp Ltd (Isign Solutions, Inc.)
• Original Assignee: PenOp Ltd (Isign Solutions, Inc.)
• Inventors: Newman, Jeremy Mark, Smithies, Christopher Paul Kenneth
• Primary Examiner(s): Johns, Andrew W.
• Application Number:
  US09/112,224
• Time in Patent Office: 678 Days
• Field of Search: 382/115, 382/116, 382/117, 382/118, 382/119, 382/120, 382/121, 382/122, 382/123, 382/232, 340/825.3, 340/825.33, 340/825.34, 283/70, 283/75, 380/23
• US Class Current: 382/115
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06V 10/94 Hardware or software architectures specially adapted for image or video understanding
• CPC Class Codes: G06V 40/30 Writer recognition; Reading and verifying signatures
• CPC Class Codes: G07C 9/35 by means of a handwritten signature

Abstract

A computer-based method and system for capturing and verifying a handwritten signature. The handwritten signature may relate to a document, such as an electronically stored document. An image of the document is displayed. A user signs the document electronically, and the handwritten signature is electronically captured. A set of measurements relating to the handwritten signature is determined and stored in a signature envelope. Optionally, a checksum of a checksum of the document can be determined and stored in the signature envelope. The claimed identity of the signatory can also be stored in the signature envelope. The signature envelope is encrypted. The signature envelope can be communicated to another application or computer platform, or stored for later verification. The signature envelope is decrypted, and the set of measurements stored in the signature envelope are compared against a known set of handwritten signature measurements to verify the identity of the signatory. The system includes a database of signature templates storing verified signature information. The verified set of signature measurements are compared with the set of measurements stored in the signature envelope to obtain a similarity score. The present invention includes a gravity prompt feature to alert the signatory as to the nature, seriousness and/or contents of what is being signed. The gravity prompt can be stored in the signature envelope as part of the record of the signing event.

Claims

1. A computer-based method for capture of a signature relating to a document comprising the steps of:

displaying a signature area for an input of a signature;

displaying a statement which sets forth the significance of the signature in relation to the document; and

signing the document by electronically capturing the signature of a signatory.

2. The method of claim 1 further comprising the steps of:

storing a set of details relating to the signature; and

storing the statement which sets forth the significance of the signature.

3. A computer-based system for capture of a signature relating to a transaction, comprising:

a processor performing the following functions;

outputting an area for an input of a signature;

outputting a statement which sets forth a significance of the signature in

relation to the transaction;

electronically capturing the signature of a signatory; and

associating the signature with the transaction.

4. A computer-based method for creating an electronic representation of a signature for an electronic document, comprising the steps of:

enabling a signatory to sign a document by electronically capturing a signature of the signatory;

generating a checksum of the document; and

storing data relating to the signature.

5. The method of claim 4 wherein:

the data is stored in association with the document; and

the checksum is stored in association with the document.

6. The method of claim 5 where the data and the checksum are stored in a data envelope, and the method comprises the further steps of encrypting the data and encrypting the checksum before storing each in the data envelope.

7. The method of claim 6 comprising the further step of generating a second checksum which is a checksum of the data envelope.

8. The method of claim 4 where the data relating to the signature is image data.

9. A computer-based system for creating an electronic representation of a signature for an electronic document comprising:

a first module electronically capturing a signature of the signatory;

a second module storing data relating to the captured signature; and

a third module generating a checksum of the electronic document.

10. A computer-based method to validate a transaction, comprising the steps of:

at a first computer system;

capturing biometrics information relating to the validation;

storing details related to the biometrics information; and

transmitting the stored details to a second computer system; and

at the second computer system;

comparing the details with a set of details from previously-captured biometrics information to obtain a similarity score; and

returning the similarity score to the first computer.

11. The method of claim 10 where the biometrics information relates to a document;

further comprising the steps of;

displaying a statement which sets forth a significance of the biometrics information in relation to the document at the time the biometrics information is captured; and

storing the statement which sets forth a significance of the biometrics information.

12. The method of claim 11 further comprising the step of storing a checksum of the document with the statement which sets forth a significance of the biometrics information in a signature envelope.

13. The method of claim 10 where the details are stored in a signature envelope.

14. The method of claim 10 where the biometrics information captured is voice print information.

15. The method of claim 10 where the biometrics information captured is eye pattern information.

16. The method of claim 10 where the biometrics information captured is fingerprint information.

17. The method of claim 10 where the biometrics information captured is handwritten signature information.

18. The method of claim 10 further comprising the step of displaying a declaration of intention in affirming the transaction, where the declaration of intention sets forth a significance of the document and includes an indication of an amount of money relating to the transaction.

19. A computer-based system for authentication of a biometrics information signature, the system comprising:

a first component displaying a declaration of intention which states a significance of an input of biometrics information;

a second component storing the declaration of intention;

a third component capturing biometrics information;

a fourth component storing details related to the biometrics information;

a fifth component accessing said details; and

a sixth component comparing said details with a set of details of genuine biometrics information to obtain a similarity score.

20. A computer-based method for authentication of a biometrics information signature in relation to a transaction, the method comprising the steps of:

displaying a declaration of intention in affirming the transaction;

displaying a biometrics entry prompt; and

capturing biometrics information.

21. A computer-based system for authentication of a biometrics information signature in relation to a transaction, the system comprising:

a first component displaying a declaration of intention in affirming the

transaction;

a second component displaying a biometrics entry prompt; and

a third component capturing biometrics information.

22. A computer-based method for capturing identity information relating to a signatory for the purpose of authenticating a document, the method comprising the steps of:

electronically capturing identity information of the signatory;

storing data relating to the identity information; and

generating a checksum of the document.

23. The method of claim 22 wherein:

the data relating to the identity information is stored in a signature envelope; and

the checksum is stored in the signature envelope.

24. The method of claim 23 comprising the further step of encrypting the signature envelope.

25. A computer-based system for capturing identity information relating to a signatory for the purpose of authenticating a document, the system comprised of:

a first module electronically capturing identity information of the signatory;

a second module storing data relating to the identity information; and

a third module generating a checksum of the document.

26. A computer-based method for capture of a signature relating to a document, comprising the steps of:

signing a document by electronically capturing a signature of a signatory;

storing a visual representation of the signature; and

generating a checksum of the document.

27. The method of claim 26 further comprising the steps of:

displaying a declaration of intention in affirming the document and a signature prompt at the time the signature of the signatory is captured; and

storing the declaration of intention in affirming the document.

28. The method of claim 27, where the visual representation, checksum and declaration of intention in affirming the document are stored in a signature envelope.

29. The method of claim 28 further comprising the step of encrypting the signature envelope.

30. The method of claim 28 further comprising the step of generating and storing a second checksum which is a checksum of the data stored in the signature envelope.

31. A computer-based system for capture of a signature relating to a document, the system comprising:

a computer configured to electronically capture a signature of a signatory thereby enabling the signatory to sign a document;

the computer further configured to store in a signature envelope a visual representation of the signature;

the computer further configured to store a checksum of the document.

32. A computer-based method for creating an electronic representation of a signature for an electronic document, comprising the steps of:

electronically capturing a signature of the signatory;

storing encrypted data relating to the signature; and

encrypting and storing a checksum of the document.

33. A computer-based method for creating an electronic representation of a signature for an electronic document, comprising the steps of:

enabling a signatory to sign a document by electronically capturing a signature of the signatory;

storing details relating to the signature in an envelope; and

generating a checksum of the information stored within the envelope.

34. The method of claim 33 where the signature is a biometric signature.

35. A computer-based method for verification of a hand-written signature that relates to a document, comprising the steps of:

providing a key;

signing a document by electronically capturing a handwritten signature of a signatory;

storing in a signature envelope a set of data relating to the handwritten signature;

using the key to create a checksum of at least a portion of the signature envelope; and

encrypting the signature envelope to create an encrypted signature envelope.

36. The method of claim 35 further comprising the step of generating a document checksum of the document.

37. A computer-based method for verification of a handwritten signature that relates to a document, comprising the steps of:

signing a document by electronically capturing a handwritten signature of a signatory;

storing in a signature envelope a set of measurements relating to the handwritten signature;

creating a checksum of the document; and

encrypting the signature envelope to create an encrypted signature envelope.

38. The method of claim 37 further comprising the step of storing in the signature envelope a claimed identity of the signatory.

39. A computer-based method for signing a document, comprising the steps of:

signing a document by storing in a signature envelope data related to a handwritten signature;

creating a checksum of the document;

storing the checksum in the signature envelope; and

storing in the signature envelope a claimed identity of the signatory.

40. The method of claim 39 further comprising the step of creating an integrity checksum of the signature envelope.

41. A computer-based method for signing a document, comprising the steps of:

signing a document by storing in a signature envelope an image of a handwritten signature;

creating a checksum of the document;

storing the checksum in the signature envelope; and

storing in the signature envelope a claimed identity of the signatory.

42. The method of claim 41 further comprising the step of creating an integrity checksum of the signature envelope.

43. A computer-based method for storing a handwritten signature that relates to a document, comprising the steps of:

signing a document by electronically capturing a handwritten signature of a signatory;

storing in a signature envelope a set of measurements relating to the handwritten signature;

creating a checksum of the document; and

storing in the signature envelope a claimed identity of the signatory.