Transaction automation and archival system using electronic contract disclosure units

• US 8,531,424 B1
• Filed: 06/27/2012
• Issued: 09/10/2013
• 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): Liang, Regina
• Application Number:
  US13/534,319
• Time in Patent Office: 440 Days
• Field of Search: 345156-179, 345/649, 345/689, 178/18.01, 178/18.03, 705/1.1, 705/5, 705/6, 705/35, 705/342, 705/346, 382/115, 382/116, 382/124
• US Class Current: 345/173
• CPC Class Codes: G06F 1/1637 Details related to the display arrangement, including those related to the mounting of the display in the housing
• CPC Class Codes: G06F 3/03543 Mice or pucks G06F3/03541 takes precedence
• 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 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/18 Legal services
• CPC Class Codes: G06T 7/20 Analysis of motion motion estimation for coding, decoding, compressing or decompressing digital video signals H04N19/43, H04N19/51

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.

Claims

1. An automated system for controlling a business transaction requiring at least the presentation of documents and information by a first user and the acknowledgement and execution of documents by a second user, the automated 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 documents can be imaged and a digitizer configured to detect motion of at least one associated stylus on the video display;

a three dimensional collaborative volume defined above the flat 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, images documents associated with the business transaction in a predetermined order on the video display and receives and interprets motion of the at least one associated stylus on the video display;

the software, when executed, permitting selective rotation of documents associated with the business transaction for presentation of documents in one orientation to the first user for interaction by the first user and for presentation of documents in another orientation to the second user for interaction by the second user;

an audio reproduction system in the housing and coupled to the computer, the audio reproduction system being configured to produce sounds during a 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 transaction.

2. An automated system as claimed in claim 1 wherein the audio reproduction system produces sounds during a transaction from at least a first location adjacent one side of the video display.

3. An automated system as claimed in claim 2 wherein the audio reproduction system produces sounds during a transaction from the first location and at least a second location adjacent another side of the video display.

4. An automated system as claimed in claim 3 wherein the second location is on an opposite side of the video display from the first location.

5. An automated system as claimed in claim 4 wherein the audio reproduction system comprises a speaker in the housing at the first location.

6. An automated system as claimed in claim 4 wherein the audio reproduction system further comprises a speaker in the housing at the second location.

7. An automated system as claimed in claim 1 wherein the audio reproduction system comprises at least one speaker in the housing.

8. An automated system as claimed in claim 7 wherein the audio reproduction system comprises at least two speakers in the housing.

9. An automated system as claimed in claim 8 wherein the two speakers are located adjacent respective sides of the digitizing display.

10. An automated system as claimed in claim 9 wherein the two speakers are located adjacent opposite sides of the digitizing display.

11. An automated system as claimed in claim 1 wherein the sounds include a voice reciting selected writings on documents presented on the digitizing display.

12. An automated system as claimed in claim 1 where the sounds include sounds related to advertising of optional items available to the second user for selection.

13. An electronic contract disclosure unit (ECDU) adapted to control a business transaction between carried out by a business employee and a customer purchasing a vehicle from an automotive dealership, the ECDU comprising:

a substantially rectangular housing;

a substantially rectangular glass top on the housing forming a work surface for carrying out the business transaction, the glass top having a width;

the housing and the glass top being sized to be disposed on a desktop between the business employee and the customer with the glass top oriented substantially horizontally and accessible to the business employee and to the customer;

a digitizing display within the housing beneath the glass top, the digitizing display including a video display for presenting images of documents and other images to the business employee and to the customer during the transaction and a digitizer aligned with the video display for detecting at least motion of an associated stylus on the video display;

the glass top having a transparent portion overlying and aligned with the digitizing display to allow the video display to be viewed through the glass top by the business employee and the customer and a second portion adjacent to the transparent portion forming part of the work surface with the transparent portion;

at least a first stylus for use by the business employee or the customer to interact with the digitizing display during the business transaction;

a first computer operatively coupled to the digitizing display and containing software that, when executed, causes documents and other images associated with the business transaction to be displayed to the business employee and to the customer on the digitizing display;

the software, when executed, detecting interactions with the displayed documents and other images on the digitizing display by the business employee and the customer using the at least one stylus;

the software, when executed, further allowing for selective rotation of the documents and other images displayed on the digitizing display to orient the documents and other images for review by the business employee or for review by the customer; and

a second computer 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 link with the first computer for use in presenting images to the business employee and to the customer.

14. An ECDU as claimed in claim 13 further comprising at least one audio device associated with the housing, the audio device being operatively coupled to the first computer for producing selected sounds from the housing during the transaction.

15. An ECDU as claimed in claim 14 wherein the at least one audio device comprises a pair of audio devices.

16. An ECDU as claimed in claim 15 wherein the audio devices comprise loudspeakers.

17. An ECDU as claimed in claim 16 wherein the loudspeakers are located adjacent respective opposite sides of the transparent portion of the glass top.

18. An ECDU as claimed in claim 13 wherein the housing and the glass top have a combined thickness, the width of the glass top being at least 3 times the combined thickness.

19. An ECDU as claimed in claim 18 wherein the width of the glass top is about 5 times the combined thickness.

20. An ECDU as claimed in claim 13 wherein the adjacent portion of the glass top surrounds the transparent portion of the glass top.

21. An ECDU as claimed in claim 13 wherein the software, when executed, causes selected optional items to be advertised on the video display in addition to documents and images related to the business transaction, the optional items being for consideration and selective purchase by the customer.