US-20260127323-A1 - SYSTEM AND METHOD FOR VALIDATING AUTHORSHIP OF AN ELECTRONIC SIGNATURE SESSION

US20260127323A1US 20260127323 A1US20260127323 A1US 20260127323A1US-20260127323-A1

Abstract

A system and method for electronic signature validation is provided. Embodiments may include analyzing at least one government identification document, wherein analyzing includes authenticating the at least one government identification document. Embodiments may further include extracting personally identifiable information pertaining to a user from the at least one government identification document and displaying a digital copy of a document to be signed to the user. Embodiments may also include capturing an electronic signature of the document by the user and receiving personally identifiable information, wherein the personally identifiable information pertains to the user and enables the user to be uniquely identified. Embodiments may further transmitting a document signing transaction session.

Inventors

Patrick A. Kinsel
Adam Pase

Assignees

Notarize, Inc.

Dates

Publication Date: 20260507
Application Date: 20251229

Claims (20)

1 - 20 . (canceled)
21 . At least one non-transitory computer readable storage medium comprising instructions that, when executed by at least one computer hardware processor, cause the at least one computer hardware processor to at least: receive, via at least one network, from a remote device, a copy of at least one government identification document associated with a user, wherein the at least one government identification document comprises a reference image of the user; cause transmission, via the at least one network, to the remote device, a copy of a digital document to be displayed to the user; receive, via the at least one network, from the remote device, a signed digital document comprising an electronic signature of the digital document by the user, wherein the electronic signature is captured during a document signing session, and wherein the document signing session is attended by the user and an observer who observes an act of signing by the user during the document signing session; cause transmission, via the at least one network, to the remote device, one or more identity challenge questions to be displayed to the user during the document signing session; after the one or more identity challenge questions are displayed to the user during the document signing session, receive, via the at least one network, from the remote device, input by the user comprising one or more responses to the one or more identity challenge questions; analyze the copy of the at least one government identification document for authenticating the at least one government identification document; further receive, via the at least one network, from the remote device, first personally identifiable information, wherein the first personally identifiable information comprises at least one real-time image of the user and enables the user to be uniquely identified; cause to display, side by side, the at least one real-time image of the user and the reference image of the user; lock, using a digital certificate associated with the observer, the signed digital document to bind the digital document to the observer; and store a record of the document signing session, wherein the record comprises the signed digital document, the at least one government identification document, the one or more responses to the one or more identity challenge questions, and video recordings of both the user and the observer captured using one or more cameras.
22 . The at least one non-transitory computer readable storage medium of claim 21 , wherein the record of the document signing session further comprises the first personally identifiable information extracted from the copy of the at least one government identification document.
23 . The at least one non-transitory computer readable storage medium of claim 21 , wherein the instructions cause the at least one computer hardware processor to: compare the at least one real-time image of the user with a reference image of the user; and determine a confidence score associated with the comparison.
24 . The at least one non-transitory computer readable storage medium of claim 23 , wherein the instructions cause the at least one computer hardware processor to: generate a unique document identification number for the document signing session; and associate the unique document identification number with the record of the document signing session.
25 . The at least one non-transitory computer readable storage medium of claim 24 , wherein the instructions cause the at least one computer hardware processor to generate the unique document identification number based on the confidence score exceeding a predetermined threshold.
26 . The at least one non-transitory computer readable storage medium of claim 21 , wherein the instructions cause the at least one computer hardware processor to cause to resize or align the at least one real-time image of the user based on the reference image of the user.
27 . The at least one non-transitory computer readable storage medium of claim 21 , wherein the instructions cause the at least one computer hardware processor to, in response to an instruction from the observer, apply to the signed digital document a graphical seal associated with the observer.
28 . The at least one non-transitory computer readable storage medium of claim 21 , wherein the instructions cause the at least one computer hardware processor to extract second personally identifiable information pertaining to the user from the copy of the at least one government identification document.
29 . The at least one non-transitory computer readable storage medium of claim 28 , wherein the record of the document signing session further comprises the second personally identifiable information.
30 . At least one non-transitory computer readable storage medium comprising instructions that, when executed by at least one computer hardware processor, cause the at least one computer hardware processor to at least: receive, via at least one network, from a remote device, a copy of at least one government identification document associated with a user, wherein the at least one government identification document comprises a reference image of the user; transmit, via the at least one network, to the remote device, a copy of a digital document to be displayed to the user; receive, via the at least one network, from the remote device, an electronic signature of the digital document by the user, wherein the electronic signature is captured during a document signing session, and wherein the document signing session is attended by the user and an observer who observes an act of signing by the user during the document signing session; cause one or more identity challenge questions to be displayed to the user; analyze the copy of the at least one government identification document for authenticating the at least one government identification document; extract first personally identifiable information pertaining to the user from the copy of the at least one government identification document; further receive, via the at least one network, from the remote device, second personally identifiable information, wherein the second personally identifiable information comprises at least one real-time image of the user and enables the user to be uniquely identified; cause to display, side by side, the at least one real-time image of the user and the reference image of the user; cause at least one of a resizing or an alignment of the at least one real-time image of the user based on the reference image of the user; in response to an instruction from the observer, apply to the signed digital document a graphical seal associated with the observer; use a digital certificate associated with the observer to lock the signed and sealed digital document, thereby binding the digital document to the observer; store a record of the document signing session, wherein the record comprises the signed, sealed, and locked digital document and video recordings of both the user and the observer using one or more cameras, wherein the record of the document signing session further comprises the copy of the at least one government identification document and/or the first personally identifiable information; and generate a unique document identification number for the document signing session; and associate the unique document identification number with the record of the document signing session.
31 . The at least one non-transitory computer readable storage medium of claim 30 , wherein the record of the document signing session further comprises the first personally identifiable information extracted from the copy of the at least one government identification document.
32 . The at least one non-transitory computer readable storage medium of claim 30 , wherein the instructions cause the at least one computer hardware processor to: compare the real-time image of the user with a reference image of the user; and determine a confidence score for the comparison.
33 . The at least one non-transitory computer readable storage medium of claim 32 , wherein the instructions cause the at least one computer hardware processor to determine that the comparison of the real-time image of the user with the reference image of the user is to be validated by a human based on the confidence score.
34 . At least one non-transitory computer readable storage medium comprising instructions that, when executed by at least one computer hardware processor, cause the at least one computer hardware processor to at least: receive, from a client device, at least one government identification document from a user, wherein the at least one government identification document is in a digital form; receive, from the client device, a first set of personally identifiable information pertaining to the user, wherein the first set of personally identifiable information is in a digital form, wherein the first set of personally identifiable information comprises at least one of location data or at least one answer to at least one identity challenge question; authenticate the at least one government identification document, wherein authenticating the at least one government identification document comprises: extracting, from the at least one government identification document and by using at least one software analysis program, a second set of personally identifiable information pertaining to the user; and comparing, by using the at least one software analysis program, the first set of personally identifiable information to the second set of personally identifiable information; cause transmission of, to the client device, a digital copy of a document to be signed by the user; receive, from the client device, a document signing transaction session, wherein the document signing transaction session comprises the digital copy of the document, an electronic signature of the document by the user, the at least one government identification document, the first set of personally identifiable information, and the second set of personally identifiable information; record the document signing transaction session; generate a unique document identification number associated with the document signing transaction session; and store at least one of the document signing transaction session or the unique document identification number.
35 . The at least one non-transitory computer readable storage medium of claim 34 , wherein the first set of personally identifiable information comprises biometric data selected from a group consisting of a DNA analysis, an earlobe geometry analysis, an eye pattern analysis, a facial recognition analysis, a fingerprint analysis, a hand geometry analysis, a signature analysis, and a voice waveform analysis.
36 . The at least one non-transitory computer readable storage medium of claim 34 , wherein the instructions cause the at least one computer hardware processor to compare the first set of personally identifiable information to the second set of personally identifiable information by determining a confidence score associated with the comparison of the first set of personally identifiable information to the second set of personally identifiable information.
37 . The at least one non-transitory computer readable storage medium of claim 36 , wherein after the confidence score is determined, the instructions cause the at least one computer hardware processor to validate the confidence score to accept or reject the at least one government identification document.
38 . The at least one non-transitory computer readable storage medium of claim 34 , wherein the first set of personally identifiable information is obtained, at least in part, using a camera configured to capture a real-time image of the user, wherein the real-time image comprises the first set of personally identifiable information, and the instructions cause the at least one computer hardware processor to receive, from the client device, the real-time image.
39 . The at least one non-transitory computer readable storage medium of claim 34 , wherein the at least one government identification document is obtained, at least in part, using a document scanner configured to scan the at least one government identification document, wherein the at least one government identification document comprises at least one of a photograph of the user or a signature of the user, and the instructions cause the at least one computer hardware processor to receive, from the client device, the at least one government identification document comprising the at least one of the photograph of the user or the signature of the user.

Description

RELATED CASES This application is a continuation of U.S. patent application Ser. No. 16/519,361, entitled, “SYSTEM AND METHOD FOR VALIDATING AUTHORSHIP OF AN ELECTRONIC SIGNATURE SESSION”, filed on Jul. 23, 2019 and granted as U.S. Pat. No. 11,803,665, which is continuation of U.S. patent application Ser. No. 15/213,805, entitled, “SYSTEM AND METHOD FOR VALIDATING AUTHORSHIP OF AN ELECTRONIC SIGNATURE SESSION”, filed on Jul. 19, 2016 and granted as U.S. Pat. No. 10,410,005, which claims the benefit of U.S. Provisional Patent Application No. 62/194,556 filed on Jul. 20, 2015, entitled “SYSTEM AND METHOD FOR VALIDATING AUTHORSHIP OF AN ELECTRONIC SIGNATURE SESSION”, the contents of which are all incorporated by reference. TECHNICAL FIELD This disclosure relates to validation systems, and more particularly to validating authorship of an electronic signature session. BACKGROUND Electronic signatures or e-signatures have long been enforceable in contracts, and have the same legal consequences in many jurisdictions as more traditional forms of executing documents. With the widespread adoption of mobile devices, there has been a significant increase in the usage of user-centric mobile electronic signature services. Although mobile electronic signature services are becoming increasing widespread it is difficult to conclusively establish the identity of the signing party so as to protect against fraud. SUMMARY In one or more embodiments of the present disclosure, a computer-implemented electronic signature validation method is provided. The method may include analyzing at least one government identification document, wherein analyzing includes authenticating the at least one government identification document. The method may further include extracting personally identifiable information pertaining to a user from the at least one government identification document and displaying a digital copy of a document to be signed to the user. The method may also include capturing an electronic signature of the document by the user and receiving personally identifiable information, wherein the personally identifiable information pertains to the user and enables the user to be uniquely identified. The method may further include enabling a wireless transmitter to transmit a document signing transaction session. One or more of the following features may be included. In some embodiments, receiving may be performed, at least in part, using a document scanner configured to scan the at least one government identification document associated with the user. The at least one government identification document may include at least one of a photograph of the user and a signature of the user. In some embodiments, receiving may be performed, at least in part, using a camera configured to capture a real-time image of the user, wherein the real-time image includes personally identifiable information. The method may further include comparing the real-time image of the user with a reference image of the user and determining a confidence score for the comparison, wherein the confidence score determines whether the comparison is to be validated by a supervisor. The method may also include recording the document signing transaction session and generating a unique document identification number, wherein the unique document identification number is associated with the document signing transaction session. The method may further include storing at least one of the document signing transaction session and the unique document identification number. The document signing transaction session may include at least one of, the digital copy of the document, the electronic signature, the at least one government identification document, and the personally identifiable information. The document signing transaction session may be transmitted in response to at least one of a prompt from a monitoring network and a response to an input from the user. In another embodiment of the present disclosure, a computer-implemented electronic signature validation method is provided. The method may include displaying a digital copy of a document to be signed by a user and capturing an electronic signature of the digital document by the user. The method may further include receiving, at mobile device, personally identifiable information, wherein the personally identifiable information pertains to a user and enables the user to be uniquely identified. The mobile device may be configured to capture a real-time image of the user, wherein the real-time image includes personally identifiable information. The method may include enabling a wireless transmitter to transmit a document signing transaction session. One or more of the following features may be included. In some embodiments, receiving may be performed, at least in part, using a document scanner configured to scan the at least one government identification document associated with the user. The at least one government identifi