Digitally signing documents using digital signatures
Concepts and technologies are disclosed herein for providing an electronic document processing system, an electronic document generation mechanism, an encrypted digital certificate generator, a tool for coordinating the processing of electronic documents, a packaging mechanism for finalizing and authenticating electronic documents, a tracking log for recording relevant electronic document information, and a transferring protocol for transferring the ownership of electronic documents. The present disclosure also is directed to an electronic authentication system including an electronic document authentication watermark seal or signature line for confirming a document's signing within the view. The present disclosure also is directed to a system, software program, and method for generating electronic documents, coordinating the signing of electronic documents, digitally authenticating and certifying electronic documents, and organizing electronic documents for retrieval and transfer in a mortgage closing and/or other financial services application.
1. A system comprising:
a first server comprising a processor; and
a memory that stores instructions that, when executed by the processor, cause the processor to perform operations comprising
requesting, by the first server and from a second server via a first secure network connection, an electronic document that is stored in a first data storage of the second server,
receiving, by the first server and from the second server via the first secure network connection, the electronic document,
obtaining, by the first server and from a third server that comprises a second data storage, information that is stored in the second data storage,
populating, by the first server, the electronic document with the information,
establishing, by the first server, a secure signing session comprising a second secure network connection between the first server and a computing device,
providing, to the computing device and via the second secure network connection, display data that corresponds to a display of the electronic document and the information, wherein a web browser executed by the computing device renders the display data in a user interface, wherein the user interface comprises the display and a user interface option that is selectable at the computing device to effect digital signing of the electronic document at the first server,
receiving, via the second secure network connection, data that represents selection, at the computing device, of the user interface option,
in response to receiving the data that represents the selection, altering, at the first server, the electronic document and the information to obtain an altered version of the electronic document and the information, wherein the electronic document and the information are altered by adding, at the first server, a digital signature to the electronic document and the information, and
storing, by the first server, the altered version of the electronic document and the information, the altered version of the electronic document and the information comprising the digital signature.
2. The system of claim 1 , wherein the digital signature is added to the electronic document and the information with data representing a time and date associated with addition of the digital signature to the electronic document.
3. The system of claim 1 , wherein receiving the electronic document comprises creating the electronic document by obtaining, via an input device, a document image, and converting the document image into the electronic document.
4. The system of claim 1 , wherein the electronic document is retrieved in a first format, and wherein altering the electronic document and the information comprises storing the altered version of the electronic document and the information in a second document format.
5. The system of claim 1 , wherein the instructions, when executed by the processor, cause the processor to perform operations further comprising:
creating a digital certificate, wherein altering the electronic document and the information comprises applying the digital certificate to the electronic document and the information.
6. The system of claim 1 , wherein altering the electronic document and the information comprises computing a hash of the electronic document and the information and encrypting the hash using a private key.
7. A system comprising:
a first device comprising a processor; and
a memory that stores instructions that, when executed by the processor, cause the processor to perform operations comprising
requesting, by the first device and from a second device via a first secure network connection, an electronic document that is stored in a first data storage of the second device,
receiving, by the first device and from the second device via the first secure network connection, the electronic document,
obtaining, by the first device and from a third device that comprises a second data storage, information that is stored in the second data storage,
populating, by the first device, the electronic document with the information,
establishing, by the first device, a secure signing session comprising a second secure network connection between the first device and a computing device,
providing, to the computing device and via the second secure network connection, display data that corresponds to a display of the electronic document and the information, wherein a web browser executed by the computing device renders the display data in a user interface, wherein the user interface comprises the display and a user interface option that is selectable at the computing device to effect digital signing of the electronic document at the first device,
receiving, via the second secure network connection, data that represents selection, at the computing device, of the user interface option,
in response to receiving the data that represents the selection, altering, at the first device, the electronic document and the information to obtain an altered version of the electronic document and the information, wherein the electronic document and the information, wherein the electronic document and the information are altered by adding, at the first device, a digital signature to the electronic document and the information, and
storing, by the first device, the altered version of the electronic document and the information, the altered version of the electronic document and the information comprising the digital signature.
8. The system of claim 7 , wherein the digital signature is added to the electronic document and the information with data representing a time and date.
9. The system of claim 7 , wherein altering the electronic document and the information comprises computing a hash of the electronic document and the information and encrypting the hash using a private key.
10. The system of claim 7 , wherein the instructions, when executed by the processor, cause the processor to perform operations further comprising:
creating, a digital certificate, wherein altering the electronic document and the information comprises applying the digital certificate to the electronic document and the information.
11. The system of claim 7 , wherein the electronic document is a portable document format (“PDF”) file.
12. The system of claim 7 , wherein the electronic document is retrieved in a first format, and wherein altering the electronic document and the information comprises storing the altered version of the electronic document and the information in a second document format.
13. A system comprising:
a first device comprising a processor; and
a memory that stores instructions that, when executed by the processor, cause the processor to perform operations comprising
requesting, by the first device and from a second device via a first secure network connection, an electronic document that is stored in a first data storage of the second device,
receiving, by the first device and from the second device via the first secure network connection, the electronic document,
obtaining, by the first device and from a third device that comprises a second data storage, information that is stored in the second data storage,
establishing, by the first device, a secure signing session comprising a second secure network connection between the first device and a computing device,
providing, to the computing device and via the second secure network connection, display data that corresponds to a display of the electronic document and the information, wherein a web browser executed by the computing device renders the display data in a user interface, wherein an applet renders the information in the user interface and populates the electronic document with the information, and wherein the user interface comprises the display and a user interface option that is selectable at the computing device to effect digital signing of the electronic document at the first device,
receiving, via the second secure network connection, data that represents selection, at the computing device, of the user interface option,
in response to receiving the data that represents the selection, altering, at the first device, the electronic document and the information to obtain an altered version of the electronic document and the information, wherein the electronic document and the information, wherein the electronic document and the information are altered by adding, at the first device, a digital signature to the electronic document and the information, and
storing, by the first device, the altered version of the electronic document and the information, the altered version of the electronic document and the information comprising the digital signature.
14. The system of claim 13 , wherein the digital signature is added to the electronic document and the information with data representing a time and date.
15. The system of claim 13 , wherein altering the electronic document and the information comprises computing a hash of the electronic document and the information and encrypting the hash using a private key.
16. The system of claim 13 , wherein the instructions, when executed by the processor, cause the processor to perform operations further comprising:
creating a digital certificate, wherein altering the electronic document and the information comprises applying the digital certificate to the electronic document and the information.
17. The system of claim 13 , wherein the electronic document is a portable document format (“PDF”) file.
18. The system of claim 13 , wherein the electronic document is retrieved in a first format, and wherein altering the electronic document and the information comprises storing the altered version of the electronic document and the information in a second document format.
19. The system of claim 13 , wherein the electronic document is associated with a financial transaction.
20. The system of claim 13 , wherein the electronic document is associated with a contract.