System and method for electronically providing legal instrument

• US 11,049,205 B2
• Filed: 06/19/2019
• Issued: 06/29/2021
• Est. Priority Date: 07/02/2015
• Status: Active Grant

• Current Assignee: Goldman Sachs & Co. LLC (Goldman Sachs Group Incorporated)
• Original Assignee: Goldman Sachs & Co. LLC (Goldman Sachs Group Incorporated)
• Inventors: Kaminski, Raymond John, Bunnell, Anthony Edward, Hurley, William Walter, Cardona, David Campos
• Primary Examiner(s): Gilkey, Carrie S
• Application Number:
  US16/446,062
• Publication Number:
  US 20190311448A1
• Time in Patent Office: 741 Days
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 21/64 Protecting data integrity, e.g. using checksums, certificates or signatures
• CPC Class Codes: G06F 2221/2111 Location-sensitive, e.g. geographical location, GPS
• CPC Class Codes: G06Q 50/18 Legal services
• CPC Class Codes: H04L 63/083 using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226

Abstract

Disclosed subject matter includes systems and methods for providing a witnessed an electronically executed legal instrument, such as a limited power of attorney. The technology disclosed herein allows for the immediate transfer of a witnessed electronic document meeting today'"'"'s current standards for witnessing of a document, including proximity of parties, and multiple forms of party identity authentication.

Claims

1. A computer-implemented method for automatically verifying execution of a document, the method comprising:

storing identity information of a first user and a second user;

receiving, by a server, a request from a first device of the first user to create a document for the first user;

creating, by the server, an unexecuted version of the document requested by the first user;

generating, by the server, a barcode that is associated with a time limit before the barcode expires;

transmitting, by the server, the barcode and a request for a photograph including the first user, the second user acting as a witness to an execution of the legal document by the first user, and the barcode to at least one of the first device of the first user and a second device of the second user;

receiving, by the server, the requested photograph from one of the first device of the first user or the second device of the second user;

verifying, by the server, that faces included in the requested photograph are of the first user and the second user based on the stored identity information, and that the barcode is included in the photograph;

responsive to receiving the photograph prior to the expiration of the time limit of the barcode and the verification, requesting, by the server, a signature from the first user via the first device and a signature from the second user via the second device;

receiving, by the server, the requested signature from the first user from the first device and the requested signature from the second user via the second device;

applying, by the server, the signature from the first user and the signature from the second user to the unexecuted version of the legal document to convert the unexecuted version of the legal document to an executed version of the legal document; and

storing, by the server, the executed version of the legal document.

2. The computer-implemented method of claim 1, further comprising:

receiving, by the server, the identity information from the first device of the first user that includes first photographic identification of the first user responsive to requesting the first photographic identification from the first user;

verifying, by the server, an identify of the first user that requested to create the legal document based on the first photographic identification;

receiving, by the server, the identity information from the second device of the second user that includes second photographic identification of the second user responsive to requesting the second photographic identification from the second user; and

verifying, by the server, an identify of the second user that will act as the witness to the execution of the legal document by the first user based on the second photographic identification.

3. The computer-implemented method of claim 1, further comprising:

receiving, by the server, a confirmation from the second device of the second user that the second user will act as the witness to the execution of the legal document by the first user responsive to transmitting a request for the confirmation to the second device.

4. The computer-implemented method of claim 3, further comprising:

receiving, by the server, contact information of the second user from the first device of the first user; and

wherein the request for the confirmation of the second user to act as the witness is transmitted responsive to receiving the contact information from the first user.

5. The computer-implemented method of claim 3, wherein receiving the confirmation comprises:

receiving a personal identification number from the second device of the second user, the personal identification number provided to the second user from the first user; and

verifying, by the server, that the personal identification number received from the second device of the second user matches a stored personal identification number associated with the first user.

6. The computer-implemented method of claim 1, further comprising:

confirming co-location of the first user and the second user based on GPS location information associated with the first device and the second device; and

wherein the barcode is generated responsive to the confirmation.

7. The computer-implemented method of claim 1, wherein generating the barcode comprises:

generating a first barcode for the first user and a second barcode for the second user, wherein the first barcode and the second barcode are different; and

wherein the transmitting the barcode comprises transmitting the first barcode and the request for the photograph to the first device of the first user and transmitting the second barcode and the request for the photograph to the second device of the second user.

8. The computer-implemented method of claim 7, wherein receiving the requested photograph comprises:

receiving a first photograph from the second device of the second user, the first photograph including the first barcode transmitted to the first user and faces of the first user and the second user; and

receiving a second photograph from the first device of the first user, the second photograph including the second barcode transmitted to the second user and the faces of the first user and the second user.

9. A computer-implemented method for automatically verifying execution of a legal document, the method comprising:

storing identity information of a first user and a second user;

receiving, by a server, a request from a first device of the first user to create a legal document for the first user;

creating, by the server, an unexecuted version of the legal document requested by the first user;

generating, by the server, a first barcode for the first user, the first barcode associated with a first time limit before the first barcode expires;

generating, by the server, a second barcode for the second user, the second barcode associated with a second time limit before the second barcode expires;

transmitting, by the server, the first barcode and a request for a first photograph including the first user, the second user, and the second barcode to the first device of the first user;

transmitting, by the server, the second barcode and a request for a second photograph including the first user, the second user, and the first barcode to the second device of the second user;

receiving, by the server, the first photograph from the first device of the first user and the second photograph from the second device of the second user;

verifying, by the server, that faces included in the first photograph are of the first user and the second user based on the stored identity information, and that the second barcode of the second user is included in the first photograph;

verifying, by the server, that faces included in the second photograph are of the first user and the second user based on the stored identity information, and that the first barcode of the first user is included in the second photograph;

responsive to respectively receiving the first photograph and the second photograph prior to the expiration of the first time limit of the first barcode and the expiration of the second time limit of the second barcode and the verifications, requesting, by the server, a signature from the first user via the first device and a signature from the second user via the second device;

receiving, by the server, the requested signature from the first user from the first device and the requested signature from the second user via the second device;

applying, by the server, the signature from the first user and the signature from the second user to the unexecuted version of the legal document to convert the unexecuted version of the legal document to an executed version of the legal document; and

storing, by the server, the executed version of the legal document.

10. The computer-implemented method of claim 9, further comprising:

receiving, by the server, the identity information from the first device of the first user that includes first photographic identification of the first user responsive to requesting the first photographic identification from the first user;

verifying, by the server, an identify of the first user that requested to create the legal document based on the first photographic identification;

receiving, by the server, the identity information from the second device of the second user that includes second photographic identification of the second user responsive to requesting the second photographic identification from the second user; and

verifying, by the server, an identify of the second user that will act as the witness to the execution of the legal document by the first user based on the second photographic identification.

11. The computer-implemented method of claim 9, further comprising:

receiving, by the server, a confirmation from the second device of the second user that the second user will act as the witness to the execution of the legal document by the first user responsive to transmitting a request for the confirmation to the second device.

12. The computer-implemented method of claim 11, further comprising:

receiving, by the server, contact information of the second user from the first device of the first user; and

wherein the request for the confirmation of the second user to act as the witness is transmitted responsive to receiving the contact information from the first user.

13. The computer-implemented method of claim 11, wherein receiving the confirmation comprises:

receiving a personal identification number from the second device of the second user, the personal identification number provided to the second user from the first user; and

verifying, by the server, that the personal identification number received from the second device of the second user matches a stored personal identification number associated with the first user.

14. The computer-implemented method of claim 9, further comprising:

confirming co-location of the first user and the second user based on GPS location information associated with the first device and the second device; and

wherein the first barcode and the second barcode are generated responsive to the confirmation.

15. A computer-implemented method for automatically verifying execution of a legal document, the method comprising:

storing identity information of a user and a notary;

receiving, by a server, a request from a first device of the user to create a legal document for the user;

creating, by the server, an unexecuted version of the legal document requested by the user;

generating, by the server, a barcode that is associated with a time limit before the barcode expires;

transmitting, by the server, the barcode and a request for a photograph including the user, the notary acting as a witness to an execution of the legal document by the user, and the barcode to at least one of the first device of the user and a second device of the notary;

receiving, by the server, the requested photograph from one of the first device of the user or the second device of the notary;

verifying, by the server, that faces included in the requested photograph are of the user and the notary based on the stored identity information, and that the barcode is included in the photograph;

responsive to receiving the photograph prior to the expiration of the time limit of the barcode and the verification, requesting, by the server, a signature from the user via the first device and a signature from the notary via the second device;

receiving, by the server, the requested signature from the user from the first device and the requested signature from the notary via the second device;

applying, by the server, the signature from the user and the signature from the notary to the unexecuted version of the legal document to convert the unexecuted version of the legal document to an executed version of the legal document; and

storing, by the server, the executed version of the legal document.

16. The computer-implemented method of claim 15, further comprising:

receiving, by the server, a confirmation from the second device of the notary that the notary will act as the witness to the execution of the legal document by the user responsive to transmitting a request for the confirmation to the second device.

17. The computer-implemented method of claim 16, further comprising:

receiving, by the server, contact information of the notary from the first device of the user; and

wherein the request for the confirmation of the notary to act as the witness is transmitted responsive to receiving the contact information from the user.

18. The computer-implemented method of claim 16, wherein receiving the confirmation comprises:

receiving a personal identification number from the second device of the notary, the personal identification number provided to the notary from the user; and

verifying, by the server, that the personal identification number received from the second device of the notary matches a stored personal identification number associated with the user.

19. The computer-implemented method of claim 15, further comprising:

confirming co-location of the user and the notary based on GPS location information associated with the first device and the second device; and

wherein the barcode is generated responsive to the confirmation.

20. The computer-implemented method of claim 15, wherein generating the barcode comprises:

generating a first barcode for the user and a second barcode for the notary;

wherein the transmitting the barcode comprises transmitting the first barcode and the request for the photograph to the first device of the user and transmitting the second barcode and the request for the photograph to the second device of the notary; and

wherein receiving the requested photograph comprises;

receiving a first photograph from the second device of the notary, the first photograph including the first barcode transmitted to the user and the faces of the user and the notary; and

receiving a second photograph from the first device of the user, the second photograph including the second barcode transmitted to the notary and the faces of the user and the notary.