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US 11,538,123 B1Granted
Document review and execution on mobile devices
AssigneeWells Fargo Bank, N.A.
InventorsSarah Marie Nemmers, Aaron John Ziegler, Mark Edward Woodrow
Life of this patent
Estimating the term…
Abstract
A method for tailoring a document for viewing on a mobile device includes obtaining residence information for an individual who is required to sign the document. The document is tailored to the residence of the individual. This includes hiding or condensing one or more portions of the document that pertain to laws in other jurisdictions. The document is permitted to be accessible by the mobile device.
Claims17
A method implemented on an electronic computing device for tailoring a document for viewing on a mobile device, the method comprising:
- identifying one or more individuals who are required to sign the document;
- when the one or more individuals include co-borrowers, tailoring the document for each of the co-borrowers who are required to sign the document on the mobile device, comprising omitting one or more portions of the document pertaining to a non-viewing co-borrower so that the one or more portions are not displayed, including:
- removing the one or more portions and condensing a remainder of the document surrounding the one or more portions;
- displaying first content of the document associated with a viewing co-borrower upon viewing by the viewing co-borrower;
- allowing the viewing co-borrower to scroll through the first content of the document;
- tailoring the document to include a signature block for the viewing co-borrower required to sign the document, including:
- receiving a selection of the signature block from the viewing co-borrower;
- generating a signature overlay on the first content of the document;
- receiving a confirmation of a signature by the viewing co-borrower on the signature overlay;
- and
- displaying second content associated with the non-viewing co-borrower upon viewing by the non-viewing co-borrower, wherein the second content includes at least one section of the document not displayed at all in the first content;
- permitting the document to be accessible by the mobile device;
- modifying the document to include an index of an entirety of a plurality of sections of the document that is overlaid on the document displayed on the mobile device;
- and
- allowing advancement to another page in the document only after confirmation is received for a current page of the document.
12 more elements
A method implemented on an electronic computing device for tailoring a financial document for viewing on a mobile device, the method comprising:
- receiving from the mobile device identification for an individual who is to review and sign a financial document at the mobile device;
- obtaining a state of residence for the individual;
- tailoring the financial document to the state of residence for the individual, comprising hiding or condensing or more portions of the financial document that pertain to laws of other states in the United States;
- tailoring the financial document to the individual, comprising omitting one or more portions of the financial document pertaining to anyone other than the individual who is required to sign the financial document so that the one or more portions are not displayed, including:
- removing the one or more portions and condensing a remainder of the financial document surrounding the one or more portions;
- displaying first content of the financial document associated with the individual upon viewing by the viewing individual;
- allowing the viewing individual to scroll through the first content of the financial document;
- tailoring the financial document to include a signature block for the viewing individual required to sign the financial document, including:
- receiving a selection of the signature block from the viewing individual;
- generating a signature overlay on the first content of the financial document;
- receiving a confirmation of a signature by the viewing individual on the signature overlay;
- and
- displaying second content associated with the anyone other than the individual upon viewing by the anyone other than the individual, wherein the second content includes at least one section of the financial document not displayed at all in the first content;
- and
- sending the financial document to the mobile device, wherein the financial document is modified to include an index of an entirety of a plurality of sections of the financial document that is overlaid on the financial document displayed on the mobile device, and wherein advancement to another page in the financial document is allowed only after confirmation is received for a current page of the financial document.
12 more elements
An electronic computing device comprises:
- at least one processor;
- and
- system memory, the system memory including instructions which, when executed by the processor, cause the electronic computing device to:
- receive a request from a mobile device for a financial document;
- receive from the mobile device identification for an individual who is to review and sign the financial document at the mobile device;
- obtain a state of residence for the individual;
- tailor the financial document to the state of residence for the individual, comprising hiding one or more portions of the financial document that pertain to laws of other states of the United States;
- tailor the financial document to the individual, comprising omitting one or more portions of the financial document pertaining to anyone other than the individual who is required to sign the financial document so that the one or more portions are not displayed, including to:
- remove the one or more portions and condense a remainder of the financial document surrounding the one or more portions;
- display first content of the financial document associated with the individual upon viewing by the individual;
- allow the individual to scroll through the first content of the financial document;
- tailor the financial document to include a signature block for the individual required to sign the financial document, including:
- receive a selection of the signature block from the individual;
- generate a signature overlay on the first content of the financial document;
- receive a confirmation of a signature by the individual on the signature overlay;
- and
- display second content associated with the anyone other than the individual upon viewing by the anyone other than the individual, wherein the second content includes at least one section of the financial document not displayed at all in the first content;
- tailor the financial document to comply with federal and state laws and regulations, comprising highlighting each instance in the financial document of an interest rate or finance charge in bold or in a color other than black;
- and
- send the financial document to the mobile device, wherein the financial document is modified to include an index of an entirety of a plurality of sections of the financial document that is overlaid on the financial document displayed on the mobile device, and wherein advancement to another page in the financial document is allowed only after confirmation is received for a current page of the financial document.
17 more elements
Dependencies are inferred from the claim text.