United Services Automobile Association (usaa)

Curt Wayne Moy

Linda Giessel King

Sarah Brooke Severson

Dale Alan Wagner-Krankel

Dwayne Lamarr Bess

Harold Allan Brischke

Susan Yonker Price

Rita Maria Young

Sakina Hassonjee

Andrew Charles Keller

Jacob Garza Tijerina

Amy Irene Forsythe

Billy Ray Connolly, Jr

John Robinson

Karen Ann O'Connor

James William McDaniel

Rodney Ray Lewis

George Edward Joy

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.

Synchronized voice signature

The present invention provides a system and method of providing electronic access to one or more documents. In one embodiment, a storage device retains eligibility information relating to each document. Eligibility information provides the system with information such as the document type, the applicable line of business, governmental regulations, time sensitive information, and security requirements. If a given document is determined to be eligible, the processing unit of the present invention retrieves one or more preference instructions provided by the customer. The preference instructions are reviewed to confirm 1) whether the customer has authorized electronic access to a given document and 2) the mode of electronic transmission favored by the customer. In one embodiment, the present invention is connected to a computer network such that the customer may be provided electronic access to his or her documents through a web interface.

System and method of providing electronic access to one or more documents

Growing community of inventors

San Antonio, TX, United States of America

Curt Wayne Moy