GENERATING ELECTRONIC DOCUMENTS (EDOCS) FOR TRANSACTIONS
Some implementations include a disclosure system to receive a template and values used to fill in fields of the template. The values may include consumer information associated with a consumer. The disclosure system may receive signature data including a signature of the consumer. The disclosure system may create a disclosure that includes the template, the values, and the signature data. The disclosure system may associate a universally unique identifier with the disclosure and create, using a cryptographic hash function, a digital signature that represents the disclosure.
1 . A method performed by one or more processors executing instructions to perform acts comprising:
receiving, by a disclosure system, name-value pairs, names of the name-value pairs comprising fields of a template and values of the name-value pairs comprising consumer data associated with a consumer;
receiving, by the disclosure system, signature data including a signature of the consumer;
creating a disclosure that includes the name-value pairs and the signature data;
associating a universally unique identifier with the disclosure; and
creating a digital signature by providing the disclosure as input to a cryptographic hash function, the digital signature corresponding to the disclosure.
2 . The method as recited in claim 1 , wherein the template is associated with both a lender and a retailer.
3 . The method as recited in claim 1 , wherein the disclosure comprises a legally binding financing application between the consumer and a lender.
4 . The method as recited in claim 1 , wherein the disclosure is compliant with both the Fair Credit Reporting Act and the Truth in Lending Act.
5 . The method as recited in claim 1 , wherein creating the disclosure that includes the name-value pairs and the signature data comprises:
adding the signature data to the disclosure as an attachment; and
associating a second universally unique identifier with the attachment.
6 . The method as recited in claim 1 , the acts further comprising:
recreating a signed disclosure based on the digital signature.
7 . A disclosure system comprising:
one or more processors;
one or more computer-readable storage media storing instructions executable by the one or more processors to perform acts comprising:
receiving a template and values used to fill in fields of the template, the values comprising consumer information associated with a consumer;
receiving signature data including a signature of the consumer;
creating a disclosure that includes the template, the values, and the signature data;
associating a universally unique identifier with the disclosure; and
creating, using a cryptographic hash function, a digital signature that corresponds to the disclosure.
8 . The computing device as recited in claim 7 , wherein the template includes a timestamp indicating one of when the template was created or when the template was sent to obtain the values.
9 . The computing device as recited in claim 7 , wherein the template is provided by a lender for use with a retailer.
10 . The computing device as recited in claim 7 , wherein the disclosure enables the consumer to make a purchase at a retailer for one or more goods or services.
11 . The computing device as recited in claim 7 , wherein the signature data comprises an image of a signature of the consumer on a printed page.
12 . The computing device as recited in claim 7 , wherein the signature data comprises data received from a touch-sensitive pad that is written on by the consumer using a stylus.
13 . One of more computer-readable storage media including instructions that are executable by one or more processors to perform acts comprising:
receiving names and values, the names comprising fields of a template and the values comprising consumer data associated with a consumer;
receiving signature data comprising a signature of the consumer;
creating a disclosure that includes the names, the values, and the signature data;
associating a universally unique identifier with the disclosure; and
creating a digital signature of the disclosure using a cryptographic hash function, the digital signature representing the disclosure with the signature data.
14 . The one of more computer-readable storage media as recited in claim 13 , the template comprising terms and conditions of an offer of financing to the consumer.
15 . The one of more computer-readable storage media as recited in claim 13 , wherein the template is associated with a universally unique identifier that identifies the template from other templates stored in the one or more computer-readable storage media.
16 . The one of more computer-readable storage media as recited in claim 13 , wherein the signature comprises digital image data associated with a signature on at least a portion of the template that was printed.
17 . The one of more computer-readable storage media as recited in claim 13 , wherein the template is selected based on at least one of a lender providing an offer of financing to the consumer, a retailer where the offer of financing is to be used, or a characteristic of the consumer.
18 . The one of more computer-readable storage media as recited in claim 13 , the acts further comprising:
storing the disclosure in the one of more computer-readable storage media; and
referencing the disclosure using the digital signature.
19 . The one of more computer-readable storage media as recited in claim 13 , wherein:
the disclosure includes one or more attachments; and
the one or more attachments include the signature data.
20 . The one of more computer-readable storage media as recited in claim 13 , the acts further comprising:
verifying the legality of the disclosure using the digital signature.