United Services Automobile Association (usaa)

Amy Irene Forsythe

Linda Giessel King

Sarah Brooke Severson

Curt Wayne Moy

Sakina Hassonjee

Methods and systems are disclosed for capturing consumer voice signatures. The methods and systems synchronize voice signatures with display of the terms and conditions of a transaction to the consumer in real time during a phone conversation. In one implementation, mobile devices with text display capability may be used to display the terms/conditions of the transaction while the consumer is talking to a customer service representative or an interactive voice response system. The terms/conditions may be displayed as a scrollable document on the mobile device to which the consumer may then agree during the phone conversation. The consumer may then 'voice sign' by reading the displayed terms/conditions, or some portion thereof, during the phone conversation to manifest his/her knowing consent. Such an arrangement helps promotes the use of voice signatures by consumers in a manner that complies with the requirements of the federal E-Sign Act.

Growing community of inventors

San Antonio, TX, United States of America

Amy Irene Forsythe