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US 8,301,555 B2Granted
Pre-approved customer acceptance validation
AssigneeBank of America Corporation
InventorsCraig Etheredge, Jason E. Fore, Ralph M. Evans
Life of this patent
Estimating the term…
Abstract
In general, embodiments of the invention relate to systems, methods, and computer program products for producing a financial offer that is specific to a customer and storing the electronic acceptance and authentication of the acceptance in a digital medium. More particularly, embodiments of the invention relate to identifying a customer, providing a financial offer that is specific to that customer, and electronically storing both the authentication of the identity of the customer and the accompanying acceptance of the financial offer.
Claims17
An apparatus comprising:
- a machine-readable code reader configured to read machine-readable code from a user's payment device, the machine-readable code identifying a particular person or account;
- a user output device configured to present information to the user;
- a user input device configured to receive the user's electronic signature;
- a memory device configured to store data therein;
- a second user input device configured to receive search data and
- a second user output device;
- and
- a processing device operatively coupled to the machine-readable code reader, the user output device, the user input device, the memory device, the second user input device and the second user output device, where the processing device is configured to:
- identify a pre-approved offer based on the machine-readable code read by the machine-readable code reader;
- use the user output device to present the pre-approved offer to the user;
- receive an indication of the user's acceptance of the pre-approved offer from the user input device;
- receive the user's electronic signature from the user input device;
- store the electronic signature in the memory device and associate the stored electronic signature with first data related to the pre-approved offer and second data related to the user's acceptance of the pre-approved offer;
- receive the search data from the second user input device;
- identify one or more electronic signatures in the memory device based on and corresponding to the received search data;
- and
- use the second user output device to present to the user the identified electronic signatures, and the first data and second data associated with the identified electronic signatures.
14 more elements
A method comprising:
- receiving, at a machine-readable code reader, a machine-readable code from a user's payment device;
- identifying, using a processor, a pre-approved offer based on the machine-readable code;
- using a user output device to present the pre-approved offer to the user;
- receiving an indication of the user's acceptance of the pre-approved offer;
- receiving, at a user input device, the user's electronic signature;
- storing the electronic signature in a memory device and associating the stored electronic signature in the memory device with first data related to the pre-approved offer and second data related to the user's acceptance of the pre-approved offer;
- receiving search data from a second user input device;
- identifying one or more electronic signatures in the memory device based on and corresponding to the received search data;
- and
- using a user output device to present to the user the identified electronic signatures, and the first data and second data associated with the identified electronic signatures.
7 more elements
A computer program product comprising a computer readable storage medium, the computer readable storage medium comprising computer executable program code stored therein, wherein the computer executable program code comprises:
- a first executable portion configured to receive a machine-readable code from a user's payment device;
- a second executable portion configured to identify a pre-approved offer based on the machine-readable code;
- a third executable portion configured to present the pre-approved offer to the user;
- a fourth executable portion configured to receive an indication of the user's acceptance of the pre-approved offer from the user input device;
- a fifth executable portion configured to receive the user's electronic signature;
- a sixth executable portion configured to store the electronic signature in a memory device and associate the stored electronic signature with first data related to the pre-approved offer and second data related to the user's acceptance of the pre-approved offer;
- a seventh executable portion configured to receive search information;
- an eighth executable portion configured to identify one or more electronic signatures in the memory device based on and corresponding to the received search information;
- and
- a ninth executable portion configured to initiate presentation to the user of the one or more electronic signatures, and the first data and second data associated with the identified electronic signatures.
7 more elements
Dependencies are inferred from the claim text.