2215 results about "Electronic signature" patented technology

A computer implemented method and system which provides current, reliable and accurate personal information regarding a prospective borrower and/or co-borrower. The system includes a central server which receives requests for personal information relating to proposed borrowers, which in turn parses out similar requests relating to that borrower to information sources such as, among others, the Internal Revenue Service, the Social Security Administration, the Daily Banking System and the pertinent credit bureaus. Information corresponding to the respective requests is retrieved from the information sources, and then compiled into a report format and forwarded to the requested party. The requested party may be the borrower/consumer individually, or may be a mortgage broker/agent, lending institution or other party authorized to request and obtain the information. An electronic signature or signatures accompany the request to the central server, which uses same to retrieve personal information data pertaining to the signatory(ies). Various encryption schemes may be employed for security purposes. The invention permits for the retrieval, compilation and reporting of relevant, personal data to a party or parties involved in the loan decision making process without any opportunity for the information to be tampered with by the proposed borrower(s) because the information is obtained electronically and directly from the information depositories.

A method and system for managing the electronic signing of digital documents is disclosed. An electronic document created and prepared for signing by associating certain signing constraints with the document. Indicia of the signing constraints are encoded into a document information block or blocks that are embedded into the document. The information block may include indicia of a database record at a central server that stores indicia of the signing constraints in addition to or in lieu of including the signing constraint indicia in the document information block or blocks. Upon receiving the prepared document at a signing terminal, the information blocks are extracted and the signing constraints tested. If the user desires to sign the document, and if the user is permitted to sign, the document is electronically signed and transmitted to the central file server for storage.

A system and method for electronic certification, identification and communication. According to an exemplary implementation, these processes are performed by using an electronic graphic image with encrypted information concerning the certified object. The object is accompanied with an application specific image hereafter called Electronic Virtual Stamp (EV-Stamp) having embedded and encrypted control information (keys and electronic signatures, identifiers of senders and receivers, date and other transaction related information) as well as any message to be passed. Each transaction of the EV-Stamp is monitored by a specialized Web server that maintains the records of all issued electronic stamps, all subscribed users, all involved financial transactions, and all registered assets. It is also possible to use any other graphical images to reflect on various possible applications such as exchange of the EV-Stamp for a good/service.

Systems and methods automate data entry and processing. Data is automatically entered into a system by reading a user identification card. The data can be supplemented with additional information, if necessary, and processed by the system. In one embodiment, the data is used to register an employee for an employee benefit program offered by a provider such as an insurance carrier. The data read from the identification card is automatically entered into an electronic enrollment form where the user can check it. Documentation corresponding to the enrollment form can be converted to an electronic copy, if necessary, and attached to the enrollment form. Once the enrollment form is complete, the user can electronically sign the enrollment form and send it through a computer network to the provider. The provider may then process the enrollment form, request additional information or corrections from the user, and register the user for the products or services.

Disclosed is an improved method, system, and computer program product for electronic designs with supplant design rules. According to some embodiments of the invention, the foundry-imposed design rules are replaced by one or more supplant design requirements which define absolute or relative threshold(s) for a design feature characteristic. Some other embodiments of the invention, the foundry-imposed design rules are replaced by one or more supplant design requirements which define one or more ranges of absolute or relative values for a design feature characteristic. Some other embodiments of the invention further provide an EDA tool which takes into account a model for the electronic design, the processing, metrological, lithographic, or imaging processing processes or techniques, and the supplant design requirements to determine whether the features of an electronic design meet the design requirements.

Electronic signatures valid in printed or scanned form. Electronic signatures are embedded in documents such that the electronic signatures are valid even when the document is scanned, printed or stored in paper form. A document includes a barcode embedded into the document. The barcode includes a unique document ID and a unique signature ID identifying the document and the signer of the document. The document also includes language embedded into the document indicating that the signer of the document authorizes paper versions of the document to be accepted as containing a valid electronic signature.

A PeakPower Energy Management and Control System having one or more roll-lock snap-on current transformer power monitoring devices, each to avoid interrupting power when installing current and/or power monitors. Each roll-lock snap-on current transformer power monitoring device may be snapped onto existing power wires inside a power panel or near equipment being monitored without disconnecting any wires or turning off power. Each roll-lock snap-on current transformer power monitoring device may be utilized in standalone mode as well as within a PeakPower Energy Management and Control System in accordance with disclosed embodiments. Each roll-lock snap-on current transformer power monitoring device may communicate via the power lines (Power Line Controller) or communicate via wireless using an integrated microprocessor based RF transceiver.

Method and apparatus for providing authenticated, secure, on-line communication between remote locations including a user terminal adapted to enable a player in one location to remotely communicate via a communications medium such as the Internet with a gaming host in another location. Location of the remote user terminal, the host server and universal time are determined using means for accessing signals generated by geostationary navigational transmitters, such as in the global positioning satellite (GPS) system. Player authentication (identity verification) is determined by use of a personal identification number (PIN) and an electronic signature verification service. Security of communication is accomplished through use of a public-key/private-key encryption system. The remote user terminal may be comprised of one or more discreet components adapted to be used with a laptop or desktop personal computer (PC), or may be embodied in a stand alone or self-contained single unit that is portable and communicates via radio waves, telephone lines or the Internet to a host server.

A banking system operates to allocate funds in accounts in response to data bearing records in the form of paper financial checks. A mobile phone has a camera and a programmable memory. The memory stores phone user data, including a bank account number and an electronic signature. The camera can be used to capture an image of a paper check which has the phone user as the payee. The phone can wirelessly transmit the account number, the electronic signature, and the check image to a bank deposit system. The system can store the check image and the electronic signature in correlated relation in a deposit transaction record. The system can cause the phone user's bank account to be credited a cash value corresponding to the check value. Confirmation of the check deposit can be transmitted to the user's phone.

A privilege management system enabling effective privilege management, such as confirmation processing of service receiving privileges and so forth, is realized. A group attribute certificate which has, as stored information, group identification information corresponding to a group which is a set of certain devices or certain users, and also has affixed an electronic signature of an issuer, is issued to a service reception entity, and verification is performed by means of signature verification for of the group attribute certificate presented from the user device regarding whether or not there has been tampering, screening is performed regarding whether or not this is a service-permitted group based on group identification information stored in the group attribute certificate by using a group information database, and determination is made regarding whether or not service can be provided, based on the screening. Centralized privilege confirmation corresponding to various user sets or device sets can be made, so management of individual privilege information can be omitted, thereby enabling effective privilege management.

A RF signal repeater system is added to a wireless communications network which increases user data rates at the periphery of the cellular coverage area by boosting the downlink (base station to mobile user) signal and uplink (mobile user to base station) signal. The RF signal repeater system includes a signal tagging means that adds a unique electronic signature to the repeated signal such that position determination errors due to a non-line of sight propagation path can be corrected. The repeated signal is received and processed with a location measurement unit to determine the time of arrival and to extract the signal tag of the repeated signal. The time of arrival measurement and recovered signal tag are then processed at a mobile location center to determine the true position of the transmitter.

A dispensing system is disclosed which utilizes an electronically powered key device and/or identification code associated with a refill container to preclude the need for mechanical keys. The system utilizes a near field frequency response to determine whether a refill container is compatible with a dispensing system. In particular, the refill container is provided with a coil terminated by one of a number of capacitors. The container is received in a housing that provides a pair of coils that are in a spatial relationship with the installed refill container's coil. By energizing one of the housing's coils, the other coil detects a unique electronic signature generated by the container's coil. If the signature is acceptable, the dispensing system is allowed to dispense a quantity of material. The system also provides a unique latching mechanism to retain the container and ensure positioning of all the coils.

A method for electronic commerce using a security token and an apparatus thereof are provided. The electronic commerce method using a security token comprises a transaction approval institution generating a security token based on a security assertion markup language (SAML), using credit information of a purchaser who requests to issue a security token, and transmitting the security token to the purchaser; the purchaser writing an electronic signature on an order and transmitting the order together with the security token to a seller; the seller verifying the received order and security token, and then delivering goods according to the order to the purchaser; and the transaction approval institution performing payment for the seller and the purchaser. The method can solve the problems of personal information leakage and privacy infringement that may happen when a purchaser sends his personal information to a seller for electronic commerce. Since the token is one-time-use data, even if a security token sent is counterfeited or stolen, the loss can be minimized. In addition, by writing an extensible markup language (XML) electronic signature in the security token, authentication, integrity, and non-repudiation for a transmitted message can be guaranteed and through simple object access protocol (SOAP) security technology, confidentiality is maintained.

Systems, devices, and methods for mitigating false-positives in human-electronics interfaces are described. A human-electronics interface includes a first interface device that is responsive to inputs of a first form from a user and a second interface device that is responsive to inputs of a second form from the user. The first interface device enables the user to control the interface through inputs of the first form while the second interface device enables the user to control, through inputs of the second form, at least a locked/unlocked state of the interface with respect to the first interface device. In the locked state, the interface is unresponsive to inputs (in particular, accidental inputs or “false-positives”) of the first form whereas in the unlocked state the interface is responsive to inputs of the first form.

A transaction receiver obtains a transaction packet comprising at least one document and instructions for processing the at least one document to complete a transaction. Thereafter, a rule parser accesses a transaction policy statement associated with the transaction packet including one or more rules for allowing the at least one document to be electronically signed. A verification agent then determines whether the rules of the transaction policy statement are met, after which a signature inhibitor prevents the at least one document from being electronically signed unless each rule of the transaction policy statement is met.

A method of processing online applications is disclosed. The method includes receiving a customer contact lead, contacting the customer to obtain application data, preparing an application using the application data, and delivering the application to the customer. An electronic signature is accepted for completion of the application.

An improved mechanism for intelligently presenting questions through an electronic interface is disclosed. A rule server receives information identifying a set of answers from a user corresponding to a first set of questions presented to that user. In response, analysis is performed upon the set of received answers. A first determination is then made of whether any questions from the first set of questions need to be answered again based upon rules governing responsive answers. Next, a second determination is made of the composition of a second set of questions. The first determination and second determination may be performed at a rule server or an application tier. The second set of questions is then presented to a user through an electronic interface. Suggested answers to the second set of questions may also be presented to the user through an electronic interface contemporaneously with the second set of questions.