Patent attributes
Method and system are directed to capturing consumer agreement to the terms of a transaction conducted online. The method/system uses a modular electronic signature block that may be applied to electronic versions of any standardized form. The electronic signature is implemented in a non-invasive way that does not alter or replace the contents of the electronic forms. The modular nature of the electronic signature block allows a separate electronic signature to be used for each online form, or a single electronic signature for multiple online forms. The online forms themselves are generated by populating a generic template of the standardized forms with consumer-specific data. The electronically-signed forms may thereafter be stored as data for a particular template. Such an arrangement provides a more secure, reproducible, verifiable, and unalterable means of capturing consumer consent, thereby allowing consumer transactions to be conducted entirely online.
