Transaction automation and archival system using electronic contract disclosure units

• US 9,916,018 B1
• Filed: 12/02/2015
• Issued: 03/13/2018
• Est. Priority Date: 01/27/2005
• Status: Active Grant

• Current Assignee: The Reynolds and Reynolds Company
• Original Assignee: Reynolds & Reynolds Holdings, Inc.
• Inventors: Maloney, William C., Singleton, Mark A.
• Primary Examiner(s): Lee, Jr., Kenneth B
• Application Number:
  US14/956,530
• Time in Patent Office: 832 Days
• Field of Search: None
• CPC Class Codes: G06F 3/03545 Pens or stylus
• CPC Class Codes: G06F 3/0412 Digitisers structurally integrated in a display
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06Q 50/18 Legal services

Abstract

A transaction automation and archival 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 video display for imaging the various documents involved in the transaction and a digitizer for allowing participants to sign, indicate choices, and otherwise interact directly on documents and images presented on the display. A computer controls the progress of the transaction, controlling, for example, the order of presentation of documents to a vehicle purchaser, receiving signatures on the displayed documents, offering choices of various packages to the purchaser, and insuring that the transaction is carried out properly. The transaction is logged for future review which may include a video record. One or more fingerprint readers allow participants to select between options while simultaneously verifying the identity of the individual making the selection.

Claims

1. An automated system for managing a business transaction requiring at least the presentation of documents by a first user and the signing of documents by a second user, the automated system comprising:

a housing having an upper surface, the housing being sized and configured for placement between the first user and the second user with the upper surface being oriented to be accessible to the first user and to the second user;

a digitizing display within the housing and visible from above the upper surface of the housing, the digitizing display including a video display on which images of documents can be displayed and a digitizer configured to detect motion of at least one stylus over the digitizing display;

a collaborative volume defined above the upper surface of the housing within which the first user and the second user interact with each other and with the digitizing display during the business transaction;

a computer operatively coupled to the digitizing display;

the computer being programmed to display images of documents associated with the business transaction on the video display and to receive from the digitizer data indicative of the motion of the at least one stylus over the digitizing display;

the computer being programmed to display pages of documents associated with the business transaction in one orientation for the first user and in another orientation for the second user;

an imaging device configured to capture images of physical documents associated with the business transaction, the imaging device being coupled to the computer for transmitting the captured images to the computer;

the computer being programmed to incorporate the captured images of physical documents from the imaging device into an electronic record of the business transaction.

2. An automated system for controlling a business transaction as claimed in claim 1 wherein the imaging device comprises a camera.

3. An automated system for controlling a business transaction as claimed in claim 2 wherein the camera is mounted to the housing.

4. An automated system for controlling a business transaction as claimed in claim 3 wherein the camera is mounted to a swing arm and the swing arm is pivotally mounted to the housing for positioning the camera in different positions.

5. An automated system for controlling a business transaction as claimed in claim 1 wherein the imaging device comprises a scanner.

6. An automated system for controlling a business transaction as claimed in claim 1 further comprising an audio system in the housing and coupled to the computer, the audio system being configured to produce sounds during the 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.

7. An automated system for controlling a business transaction as claimed in claim 6 wherein the audio system produces sounds during the business transaction from at least a first location adjacent one side of the video display.

8. An automated system as claimed in claim 7 wherein the audio system produces sounds during the business transaction from the first location and at least a second location adjacent another side of the video display.

9. An automated system as claimed in claim 8 wherein the second location is on an opposite side of the video display from the first location.

10. An automated system as claimed in claim 9 wherein the audio system comprises a speaker in the housing at the first location.

11. An automated system as claimed in claim 10 wherein the audio system further comprises a speaker in the housing at the second location.

12. An automated system as claimed in claim 8 wherein the audio system comprises at least one speaker in the housing.

13. An automated system as claimed in claim 12 wherein the audio system comprises at least two speakers in the housing.

14. An automated system as claimed in claim 13 wherein the two speakers are located adjacent respective sides of the digitizing display.

15. An automated system as claimed in claim 14 wherein the two speakers are located adjacent opposite sides of the digitizing display.

16. An automated system as claimed in claim 8 wherein the sounds include a voice reciting information from documents displayed on the video display in one or more languages.

17. An automated system as claimed in claim 8 where the sounds include sounds related to advertising to the second user.

18. An automated system as claimed in claim 1 wherein the upper surface is substantially flat.

19. An automated system as claimed in claim 18 wherein the digitizing display is visible through the substantially flat upper surface.

20. An automated system as claimed in claim 19 wherein the digitizer is configured to detect motion of the at least one stylus on the substantially flat upper surface of the housing.

21. An automated system as claimed in claim 20 wherein the upper surface is oriented generally horizontally.

22. An automated system as claimed in claim 1 wherein the upper surface is oriented generally horizontally.

23. An automated system as claimed in claim 22 wherein the collaborative volume is a three dimensional collaborative volume.

24. An automated system as claimed in claim 23 wherein the computer is programmed to display images of documents associated with the business transaction in a predetermined order on the video display.