Patent ID: 8626622
Filing Date: 2014-01-07
Classification: G06Q

Abstract:
1. A method for creating and storing an executed electronic contract, the method comprising: generating, by a credit management computer system, an electronic contract including a plurality of signature fields; assigning, by the credit management computer system, a contract identifier to the electronic contract and embedding the contract identifier into the electronic contract as one or more of a dot pattern and a barcode; assigning, by the credit management computer system, a unique signature identifier to each of the plurality of signature fields and embedding each of the plurality of unique signature identifiers into the electronic contract as one or more of a dot pattern and a barcode; providing a copy of the electronic contract, via the credit management computer system, to contracting parties the contracting parties including a customer, a vendor, and a finance source representative, wherein the provided copy is printed for execution by the contracting parties; receiving, from a vendor signature capture device, (i) a customer holographic signature, captured during execution of a printed copy by the customer, (ii) an image of the embedded unique signature identifier assigned to the customer-executed signature field, and (iii) an image of the embedded contract identifier; receiving, from the vendor signature capture device, (i) a vendor holographic signature, captured during execution of a printed copy by the vendor, (ii) an image of the embedded unique signature identifier assigned to the vendor-executed signature field, and (iii) an image of the embedded contract identifier; receiving, from a finance source signature capture device, (i) a finance source representative holographic signature captured during execution of a printed copy by the finance source representative, (ii) an image of the embedded unique signature identifier assigned to the finance source representative-executed signature field, and (iii) an image of the embedded contract identifier; identifying, by the credit management computer system, the electronic contract associated with the received customer holographic signature, vendor holographic signature, and finance source representative holographic signature using the contract identifier of each image received with each respective holographic signature; associating, by the credit management computer system, the received customer holographic signature with a particular signature field of the identified electronic contract, which corresponds to the customer-executed signature field, using the unique signature identifier of the image received with the customer holographic signature; associating, by the credit management computer system, the received vendor holographic signature with a particular signature field of the identified electronic contract, which corresponds to the vendor-executed signature field, using the unique signature identifier of the image received with the vendor holographic signature; associating, by the credit management computer system, the received finance source representative holographic signature with a particular signature field of the identified electronic contract, which corresponds to the finance source representative-executed signature field, using the unique signature identifier of the image received with the finance source representative holographic signature; creating an authoritative copy of the electronic contract, via the credit management computer system, by affixing (i) the received customer holographic signature in its associated particular signature field, (ii) the received vendor holographic signature in its associated particular signature field, and (iii) the received finance source representative holographic signature in its associated particular signature field of the identified electronic contract, said authoritative copy binding the contracting parties to the provisions of the electronic contract; and saving the authoritative copy in a database of the credit management computer system.