Transaction automation and archival system using electronic contract disclosure units
First Claim
1. A system for managing a business transaction requiring at least the presentation of documents by a first user and the signing of documents on at least one page thereof by a second user, the system comprising:
- a housing having a substantially flat upper surface, the housing being sized and configured for placement between the first user and the second user with the upper surface being oriented generally horizontally and being accessible by the first user and by the second user;
a digitizing display within the housing and visible through the upper surface of the housing, the digitizing display including a video display on which images of pages of documents can be displayed and a digitizer configured to detect motion of at least one stylus on the upper surface of the housing;
a collaborative volume defined above the upper surface of the housing and within which a first user and a second user interact with each other and with the digitizing display during a business transaction;
a computer operatively coupled to the digitizing display;
software in the computer that, when executed, displays images of pages of documents associated with the business transaction on the video display and receives and interprets motion of the at least one stylus on the upper surface of the housing;
the software, when executed, permitting pages of documents associated with the business transaction to be displayed in one orientation for the first user and to be displayed in a different orientation for the second user; and
an audio system in the housing and coupled to the computer, the audio system being configured to produce sounds during a business transaction from at least one location displaced from the video display whereby the source of the sounds appears to the first and second users to be generally from within the collaborative volume during the business transaction.
4 Assignments
0 Petitions
Accused Products
Abstract
A system is provided for controlling, real-time logging, and archiving complex commercial transactions such as the purchase and financing of an automobile. An electronic contract disclosure unit or ECDU includes a digitizing display for imaging documents involved in the transaction and a digitizer for manual interaction with images on the display. A computer controls the transaction, and may for instance, control the order of presentation of documents to a vehicle purchaser, receive the purchaser'"'"'s signature on the displayed documents when required, offer choices of various packages that can be accepted or declined by the purchaser, and insures that the entire transaction is carried out properly. The ECDU logs the transaction for future review and preferably records video and audio. Fingerprint readers allow participants to select between options by pressing their thumb or finger on the readers.
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Citations
23 Claims
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1. A system for managing a business transaction requiring at least the presentation of documents by a first user and the signing of documents on at least one page thereof by a second user, the system comprising:
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a housing having a substantially flat upper surface, the housing being sized and configured for placement between the first user and the second user with the upper surface being oriented generally horizontally and being accessible by the first user and by the second user; a digitizing display within the housing and visible through the upper surface of the housing, the digitizing display including a video display on which images of pages of documents can be displayed and a digitizer configured to detect motion of at least one stylus on the upper surface of the housing; a collaborative volume defined above the upper surface of the housing and within which a first user and a second user interact with each other and with the digitizing display during a business transaction; a computer operatively coupled to the digitizing display; software in the computer that, when executed, displays images of pages of documents associated with the business transaction on the video display and receives and interprets motion of the at least one stylus on the upper surface of the housing; the software, when executed, permitting pages of documents associated with the business transaction to be displayed in one orientation for the first user and to be displayed in a different orientation for the second user; and an audio system in the housing and coupled to the computer, the audio system being configured to produce sounds during a business transaction from at least one location displaced from the video display whereby the source of the sounds appears to the first and second users to be generally from within the collaborative volume during the business transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. An electronic contract disclosure unit (ECDU) adapted to manage a business transaction between a business employee and a customer, the ECDU comprising:
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a substantially rectangular housing; a substantially rectangular top on the housing forming a work surface for carrying out the business transaction, the top having a width; the housing and the top being sized to be disposed between the business employee and the customer with the top oriented substantially horizontally and accessible to the business employee and to the customer; a digitizing display within the housing beneath the top, the digitizing display including a video display for displaying pages of documents to the business employee and to the customer during the business transaction and a digitizer for detecting at least signing motion of a stylus on the top over the video display; the top having a transparent portion overlying and aligned with the digitizing display to allow the video display to be viewed through the top by the business employee and the customer and a second portion adjacent to the transparent portion, the transparent portion and the second portion forming at least part of the work surface; at least a first stylus for use by the business employee or the customer to perform at least signing motion on the top; a first computer operatively coupled to the digitizing display and containing software that, when executed, causes pages of documents and images associated with the business transaction to be displayed to the business employee and to the customer on the video display; the software, when executed, detecting at least signing motions over displayed pages of documents by the business employee or by the customer using the at least one stylus; the software, when executed, further allowing documents and images on the video display to be displayed in a first orientation for the business employee and to be displayed in a second orientation different from the first orientation for the customer; and a second system programmed to carry out financial and insurance (F&
I) functions independently of the first computer and to transfer resulting information to the first computer through a data connection with the first computer for use in displaying images to the business employee and to the customer. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23)
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Specification