Electronic Document Delivery via Merchant Kiosks

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Solution Overview

Problem

Current expedited delivery methods for time-sensitive documents are inefficient, requiring physical printing, packaging, and handling, which can be costly and time-consuming, especially when recipients need to take actions like signing and notarizing, which may introduce delays.

Innovation Solution

An electronic document delivery system where documents are sent to a document processing merchant, allowing recipients to review, execute, and return documents electronically through a merchant's kiosk or computing device, leveraging existing merchant networks for printing, notarization, and secure electronic transmission.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Speed

If physical printing and expedited delivery carrier services are used to deliver documents, then document delivery speed is improved, but cost and complexity increase

Engineering Contradiction:
Improvedocument delivery speedVSAvoidphysical handling and carrier services
Core Design Contradiction:
SpeedVSDevice complexity

Solution Approach 1:

The patent replaces the mechanical system of physical printing, packaging, and carrier delivery with an electronic document delivery system. Documents are transmitted electronically to merchants who can immediately make them available to recipients, eliminating the need for physical handling, printing facilities, and expedited delivery carriers while achieving instant delivery.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent creates electronic copies of documents that can be instantly transmitted and accessed by multiple parties. Instead of transporting physical originals, electronic replicas are distributed through the merchant network, allowing immediate access without physical delivery delays.

Inventive Principle:
Principle #26Copying

2Productivity

If physical printing and packaging facilities are maintained for high-volume document delivery, then document delivery capability is improved, but operational cost increases

Engineering Contradiction:
Improvedocument delivery capabilityVSAvoidoperational cost
Core Design Contradiction:
ProductivityVSLoss of energy

Solution Approach 1:

The patent eliminates the need for organizations to maintain physical printing and packaging facilities by replacing them with electronic document transmission capabilities. Documents are generated and transmitted electronically through merchant systems, removing the need for physical infrastructure while maintaining high-volume delivery capability.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent leverages the existing multi-functional merchant network that can handle various document types and delivery scenarios through a single electronic platform. Merchants provide universal access points that can receive, store, and distribute different document types without requiring specialized physical facilities at each location.

Inventive Principle:
Principle #6Universality (Multi-functionality)

3Reliability

If recipients take actions like signing and notarization on delivered documents, then document execution is improved, but time delay increases

Engineering Contradiction:
Improvedocument executionVSAvoidaction completion time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The patent introduces merchants as intermediaries who provide notary services and document execution facilities at their locations. Recipients can immediately access merchants to complete signing and notarization actions without waiting for external notary services, as merchants serve as trusted intermediaries with the necessary capabilities on-site.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent enables recipients to pre-access documents electronically and prepare for execution actions before physically visiting merchants. Documents are transmitted in advance, allowing recipients to review and prepare necessary actions, reducing the time spent at merchant locations for execution.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS10769289B1Systems and methods for electronic document delivery, execution, and return
Publication Date: 2020.09.08 UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
  • US10769289B1 patent drawing
  • US10769289B1 patent drawing
  • US10769289B1 patent drawing

AI summary

To expedite electronic delivery and return of a document, the document is sent to an electronic mail system and stored in an electronic form thereat. The recipient is informed that the document is available thereto at any of a plurality of merchants where the document may be retrieved. The recipient visits one of the plurality of merchants and at the visited merchant retrieves the document in the electronic form from the mail system to a computing device at the visited merchant. The recipient then reviews and executes the document at the visited merchant, and sends the executed document in an electronic form to the organization by way of the visited merchant and the computing device thereat.