Transaction automation and archival system using electrode contract disclosure units

• US 9,081,423 B2
• Filed: 07/23/2014
• Issued: 07/14/2015
• 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:
  US14/338,428
• Publication Number:
  US 20140327660A1
• Time in Patent Office: 356 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: 1/1
• 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. A system for managing a business transaction requiring at least the presentation of documents by at least one first user and the signing of documents on at least one page thereof by at least one 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 the first user and the 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 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, the at least one location being selected such that the source of the sounds appears to the first and second users to be generally from within the collaborative volume during the business transaction.

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

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

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

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

6. A system as claimed in claim 5 wherein the audio system further comprises a speaker in the housing at the second location.

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

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

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

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

11. A system as claimed in claim 1 wherein the sounds include a voice reciting information on pages of documents displayed on the video display in one or more languages.

12. A system as claimed in claim 1 wherein the sounds include sounds related to advertising to the second user.

13. A system as claimed in claim 1 wherein the housing has a thickness and the upper surface has a width, the width of the upper surface being greater than three times the thickness of the housing.

14. An electronic contract disclosure unit (ECDU) adapted to manage a business transaction between individuals, the ECDU comprising:

a housing;

a substantially flat 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 individuals with the top oriented substantially horizontally and accessible to the individuals;

a substantially rectangular digitizing display within the housing beneath the top, the digitizing display including a video display for displaying pages of documents to individuals 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 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 individuals 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 individuals on the video display;

the software, when executed, detecting at least signing motions over displayed pages of documents by individuals 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 at least one of the individuals and to be displayed in a second orientation different from the first orientation for at least another one of the individuals; and

a second computer programmed to carry out functions related to the business transaction independently of the first computer and to transfer resulting information to the first computer through a data connection for use by the first computer in displaying images to individuals.

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

16. An ECDU as claimed in claim 14 wherein the housing and the top have a combined thickness, the width of the top being at least 3 times the combined thickness.

17. An ECDU as claimed in claim 16 wherein the width of the top is about 5 times the combined thickness.

18. An ECDU as claimed in claim 14 wherein the adjacent portion of the top surrounds the transparent portion of the top.

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

20. An ECDU as claimed in claim 19 wherein the audio speakers are located adjacent respective opposite sides of the transparent portion of the top.

21. An ECDU as claimed in claim 14 wherein the software, when executed, causes optional items to be displayed on the video display in addition to documents and images related to the business transaction, the optional items being for consideration and selection or rejection by individuals.

22. An ECDU as claimed in claim 14 wherein the business transaction comprises the purchase of a vehicle by at least one of the individuals.

23. An ECDU as claimed in claim 22 wherein another one of the individuals is a business employee of an automotive dealership.