Paperless mortgage closings

摘要

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.

主权项

1. A method comprising:
receiving, at a document processing system comprising a processor, electronic mortgage closing documents associated with an electronic mortgage closing; identifying, by the document processing system, entities associated with the electronic mortgage closing; initiating, by the document processing system, creation of a document signing session for the entities; providing, by the document processing system, the electronic mortgage closing documents in a predetermined order during the document signing session, wherein the electronic mortgage closing documents are provided for execution of an action representing signing of the electronic mortgage closing documents; detecting, by the document processing system, execution of the action representing signing of the electronic mortgage closing documents; and recording, by the document processing system, a time associated with the electronic document signing process, and a date associated with the electronic document signing process.