Systems and methods for electronic document delivery, execution, and return

• US 8,708,225 B1
• Filed: 10/16/2012
• Issued: 04/29/2014
• Est. Priority Date: 08/19/2008
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Arguello, Miguel A.
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US13/653,032
• Time in Patent Office: 560 Days
• Field of Search: 235/375, 235/487, 235/376, 705/80, 705/76
• US Class Current: 235/375
• 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: G06Q 10/107 Computer-aided management of electronic mailing [e-mailing]
• CPC Class Codes: G06Q 50/188 Electronic negotiation

Abstract

To expedite electronic delivery and return of a document, the document is sent to an electronic mail system and stored in an electronic form thereat. The recipient is informed that the document is available thereto at any of a plurality of merchants where the document may be retrieved. The recipient visits one of the plurality of merchants and at the visited merchant retrieves the document in the electronic form from the mail system to a computing device at the visited merchant. The recipient then reviews and executes the document at the visited merchant, and sends the executed document in an electronic form to the organization by way of the visited merchant and the computing device thereat.

Claims

1. A non-transitory computer-readable storage medium having computer-executable instructions stored thereon and executable by a processor to:

send an unexecuted document from an organization to a kiosk, where the organization pays a fee to send the unexecuted document and the unexecuted document is retrievable and executable; and

receive an executed document from the kiosk, wherein the executed document includes information that allows the executed document to be routed within the organization.

2. The medium of claim 1, further comprising computer-executable instructions stored thereon and executable by a processor to send a notification that the unexecuted document is available for retrieval.

3. The medium of claim 2, wherein the unexecuted document is spooled after being sent.

4. The medium of claim 1, further comprising computer-executable instructions stored thereon and executable by a processor to receive a retrieval code associated with the unexecuted document.

5. The medium of claim 4, wherein the retrieval code is used to access the unexecuted document.

6. The medium of claim 1, wherein the unexecuted document is a time-sensitive document.

7. The medium of claim 1, wherein the unexecuted document contains confidential information.

8. A non-transitory computer-readable storage medium having computer-executable instructions stored thereon and executable by a processor to:

receive an unexecuted document from an organization at a kiosk, wherein the organization pays a fee to send the unexecuted document and unexecuted document is retrievable and executable; and

send an executed document from the kiosk, wherein the executed document includes information that allows the executed document to be routed within the organization.

9. The medium of claim 8, further comprising computer-executable instructions to spool the received unexecuted document.

10. The medium of claim 8, further comprising computer-executable instructions to scan the executed document.

11. The medium of claim 8, further comprising computer-executable instructions to instruct a user for an operation associated with the kiosk.

12. The medium of claim 8, further comprising computer-executable instructions to encrypt the executed document.

13. The medium of claim 8, wherein the executed document is notarized.

14. The medium of claim 8, wherein the executed document is electronically executed.

15. A system comprising:

a subsystem that sends an unexecuted document from an organization to a kiosk, wherein the organization pays a fee to send the unexecuted document;

a subsystem that receives the unexecuted document;

a subsystem that retrieves the unexecuted document for execution of the unexecuted document;

a subsystem that sends the executed document to the organization, and

a subsystem that receives the executed document, wherein the executed document includes information that allows the executed document to be routed within the organization.

16. The system of claim 15, including a subsystem that spools the unexecuted document.

17. The system of claim 15, including a subsystem that receives a retrieval code, the retrieval code being supplied to a document recipient by the organization.

18. The system of claim 17 wherein the unexecuted document is stored according to the retrieval code.

19. The system of claim 15, wherein the unexecuted document is a loan document.

20. The system of claim 15, wherein the unexecuted document is a mortgage document.