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1. 发明申请

WO2009079023A1 SYSTEM AND METHODS FOR ELECTRONIC SIGNATURE CAPTURE IN E-CONTRACTING TRANSACTIONS 审中-公开
标题翻译：用于电子签约交易中电子签名捕获的系统和方法
公开(公告)号：WO2009079023A1
公开(公告)日：2009-06-25
申请号：PCT/US2008/055673
申请日：2008-03-03
申请人： ROUTE ONE LLC , SUMRAMANIAM, T.n. , LEONARD, Mark
发明人： SUMRAMANIAM, T.n. , LEONARD, Mark
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06F17/243 , G06Q10/10 , G06Q30/06 , G06Q50/18
摘要： A system and method for generating, executing and maintaining electronic contracts in connection with indirect financing transactions involving an acquisition by a customer of an asset offered by a vendor with financing provided by an independent finance source. In one example embodiment, the system includes an e-contracting component configured to generate an electronic contract having one or more signature fields. The contract further includes a contract identifier and one or more signature identifiers embedded therein. The e-contracting component provides the generated electronic contract to one or more contracting parties, including the customer, the vendor and the finance sources. The system further includes a holographic signature capture device configured to capture one or more holographic signatures indicating execution of the contract by the contracting parties. The capture device if further configured to transmit the captured signature information to the e-contracting component.
摘要翻译：用于生成，执行和维护与间接融资交易有关的电子合同的系统和方法，所述间接融资交易涉及由顾客获取由独立融资来源提供融资的供应商提供的资产。在一个示例实施例中，该系统包括被配置为生成具有一个或多个签名字段的电子合同的电子订约组件。该合同进一步包括合同标识符和嵌入其中的一个或多个签名标识符。电子订约组件将生成的电子合同提供给一个或多个缔约方，包括客户，供应商和财务来源。该系统还包括全息签名捕获设备，其被配置为捕获指示签约方执行合同的一个或多个全息签名。捕获设备如果进一步配置成将捕获的签名信息发送给电子订约组件。

2. 发明申请

WO2009020463A1 SYSTEM AND METHOD FOR VALIDATING INDIRECT FINANCING TRANSACTIONS 审中-公开
标题翻译：用于确认间接融资交易的系统和方法
公开(公告)号：WO2009020463A1
公开(公告)日：2009-02-12
申请号：PCT/US2007/077328
申请日：2007-08-31
申请人： ROUTE ONE LLC , MACLELLAN, Paul , MCMILLAN, Barry
发明人： MACLELLAN, Paul , MCMILLAN, Barry
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025
摘要： A computer-implemented system and methods for electronically validating indirect financing transactions using various validation rules are described. The system is configured to collect from various independent finance sources information about available automobile financing programs, including various credit application validation rules. The system receives from automobile dealer credit application information, which may be provided via one or more electronic worksheets. The system validates accuracy of the application data using prc-submission validation rules and forwards the validated credit application to the associated finance source for approval. After submission of the credit application for approval, the system may receive additional changes to the application from the dealer. The system is configured to validates accuracy of the changed information using post-submission validation rules and notify the finance source if any validation rules were violated by the dealer.
摘要翻译：描述了使用各种验证规则电子验证间接融资交易的计算机实现的系统和方法。该系统被配置为从各种独立财务来源收集有关可用的汽车融资计划的信息，包括各种信用申请验证规则。该系统从汽车经销商获得信用申请信息，该信息可通过一个或多个电子工作表提供。该系统使用提交提交验证规则验证应用程序数据的准确性，并将验证的信用申请转发给相关财务来源进行审批。在提交信用申请批准后，系统可能会从经销商处收到对申请的额外更改。该系统配置为使用提交后验证规则验证已更改信息的准确性，并通知经销商有任何验证规则的财务来源。

3. 发明申请

WO2008121449A2 A SYSTEM AND METHOD OF ACQUIRING INSTANT CREDIT 审中-公开
标题翻译：一种获得即时信贷的系统和方法
公开(公告)号：WO2008121449A2
公开(公告)日：2008-10-09
申请号：PCT/US2008054089
申请日：2008-02-15
申请人： ROUTE ONE LLC , BUSSONE RYAN JOSEPH , SEIDELMAN FRED JOHN , KRUEGER LISA SCAPPATICCI
发明人： BUSSONE RYAN JOSEPH , SEIDELMAN FRED JOHN , KRUEGER LISA SCAPPATICCI
IPC分类号： G06Q40/00 , A61P43/00
CPC分类号： G06Q40/02 , G06Q40/00
摘要： A computer-implemented system and method of providing for a credit card offer to a customer during a transaction for the customer to acquire an asset offered by a dealer is provided. The computer-implemented method may include acquiring, via a computer operated by the dealer, information for inclusion in a first credit application for financing the asset acquisition. Based on at least a portion of the acquired information, a second credit application is generated for submission to a credit card institution, where the second credit application is electronically sent to a credit card institution. A status indication associated with the approval of the second credit application based on an electronic communication received from the credit card institution is displayed on the computer operated by the dealer.
摘要翻译：提供了一种计算机实现的系统和方法，用于在交易期间向客户提供信用卡提供给客户以获得由经销商提供的资产。计算机实现的方法可以包括通过由经销商操作的计算机获取用于包含在第一信用申请中以供资产获取的信息。基于获取的信息的至少一部分，生成第二信用申请以提交给信用卡机构，其中第二信用申请被电子地发送到信用卡机构。在由经销商操作的计算机上显示与基于从信用卡机构接收的电子通信的第二信用申请的批准相关联的状态指示。

4. 发明申请

WO2008121449A3 A SYSTEM AND METHOD OF ACQUIRING INSTANT CREDIT 审中-公开
公开(公告)号：WO2008121449A3
公开(公告)日：2008-10-09
申请号：PCT/US2008/054089
申请日：2008-02-15
申请人： ROUTE ONE LLC , BUSSONE, Ryan, Joseph , SEIDELMAN, Fred, John , KRUEGER, Lisa, Scappaticci
发明人： BUSSONE, Ryan, Joseph , SEIDELMAN, Fred, John , KRUEGER, Lisa, Scappaticci
IPC分类号： G06Q40/00
摘要： A computer-implemented system and method of providing for a credit card offer to a customer during a transaction for the customer to acquire an asset offered by a dealer is provided. The computer-implemented method may include acquiring, via a computer operated by the dealer, information for inclusion in a first credit application for financing the asset acquisition. Based on at least a portion of the acquired information, a second credit application is generated for submission to a credit card institution, where the second credit application is electronically sent to a credit card institution. A status indication associated with the approval of the second credit application based on an electronic communication received from the credit card institution is displayed on the computer operated by the dealer.

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