Transaction automation and archival system using electronic contract disclosure units
First Claim
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;
software in the computer that, when executed, displays images of documents associated with the business transaction on the video display and receives from the digitizer data indicative of the motion of the at least one stylus over the digitizing display;
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 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 software, when executed, incorporating the captured images of physical documents from the imaging device into the electronic record of the business transaction.
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Accused Products
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.
88 Citations
26 Claims
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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:
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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; software in the computer that, when executed, displays images of documents associated with the business transaction on the video display and receives from the digitizer data indicative of the motion of the at least one stylus over the digitizing display; 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 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 software, when executed, incorporating the captured images of physical documents from the imaging device into the electronic record of the business transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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Specification