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公开(公告)号：US5438186A
公开(公告)日：1995-08-01
申请号：US261745
申请日：1994-06-17
申请人： Parameswaran B. Nair , John C. Evans , James F. Price , Kumar S. Choudhuri , James T. Stills , Victor V. Goulding
发明人： Parameswaran B. Nair , John C. Evans , James F. Price , Kumar S. Choudhuri , James T. Stills , Victor V. Goulding
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/042 , G06Q20/204 , G06Q20/347 , G07F7/127
摘要： A multi-reader terminal including a magnetic stripe reader, an embossed character reader, and a magnetic ink character recognition (MICR) check reader, in an integrated stand-alone unit. The terminal is operative for gathering credit card or check information required for customer transactions at the point of sale. The terminal provides a single card passageway for receiving a credit card having a magnetic stripe and embossed characters. The magnetic stripe reader and embossed character reader read the credit card as it travels in the passageway. The embossed character reader may be selectively retracted from the card passageway. The terminal includes a plurality of serial communications ports that allow the terminal to be connected in series between a host computer and an electronic cash register. The serial ports allow connection of a signature capture pad, a personal identification number (PIN) pad, and other serial devices. The terminal is operative to intercept and respond to serial data, or to reroute serial data between any of the serial ports. The terminal is especially suitable for use in a system wherein chargeback protection is to be afforded to certain transactions in the event that information from the embossing, magnetic stripe, or MICR reader are combined with other transaction information and forwarded electronically to a transaction processor or guarantor.
摘要翻译： 一种集成的独立单元中的包括磁条读取器，压纹字符读取器和磁性墨水字符识别（MICR）检查读取器的多读取器终端。 该终端用于在销售点收集客户交易所需的信用卡或检查信息。 终端提供单个卡通道，用于接收具有磁条和浮雕字符的信用卡。 磁条阅读器和浮雕字符阅读器在通道中读取信用卡。 压花字符读取器可以从卡通道中选择性地缩回。 终端包括允许终端在主计算机和电子收银机之间串联连接的多个串行通信端口。 串行端口允许连接签名捕获板，个人识别号码（PIN）和其他串行设备。 终端可以拦截和响应串行数据，或者在任何串行端口之间重新路由串行数据。 该终端特别适用于在压缩，磁条或MICR阅读器的信息与其他交易信息组合并且电子地转发到交易处理器或保证人的情况下，向某些交易提供退款保护的系统中 。
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公开(公告)号：US5404000A
公开(公告)日：1995-04-04
申请号：US79517
申请日：1993-06-18
申请人： Parameswaran B. Nair , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Paul W. Noblett, Jr. , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
发明人： Parameswaran B. Nair , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Paul W. Noblett, Jr. , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
CPC分类号： G06Q20/425 , G06Q20/04 , G06Q20/24 , G06Q20/40 , H04M11/00 , F02B2075/025
摘要： A data card terminal, such as a credit card transaction terminal, is disclosed. The terminal includes a transaction terminal comprising an embossed character reader and magnetic stripe reader, with a separate signature capture printer. The transaction terminal is operative for detecting the physical presence of a data card during a card transaction. The embossed character reader employs a tactile imager and pattern recognition for detecting the embossed characters on the data card. A signature capturing printer prints a paper receipt, which is signed by a cardholder at a signature capturing window on the printer. A signature capturing system digitizes and compresses signals corresponding to the signature of the card holder. Transaction data including compressed signature signals and signals indicative of the presence of the card are transmitted to the host computer system of a transaction processor, who guarantees the transaction as chargeback-protected under certain circumstances. Also disclosed are methods for operation of the terminal, and methods for operation of transaction processor systems responsive to signals from the terminal, such as providing chargeback protected transactions and providing electronic and off-line transaction authorizations.
摘要翻译： 公开了诸如信用卡交易终端的数据卡终端。 终端包括具有压纹字符读取器和磁条读取器的交易终端，具有单独的签名捕获打印机。 交易终端用于在卡交易期间检测数据卡的物理存在。 浮雕字符读取器采用触觉成像器和模式识别来检测数据卡上的压花字符。 签名捕获打印机打印由持卡人在打印机上的签名捕获窗口签名的纸质收据。 签名捕获系统对与卡持有者的签名相对应的信号进行数字化和压缩。 包括压缩签名信号和指示卡存在的信号的交易数据被发送到交易处理器的主计算机系统，交易处理器在某些情况下将交易保证为拒付保护。 还公开了用于操作终端的方法以及响应于来自终端的信号的事务处理器系统的操作的方法，诸如提供拒付保护的交易并提供电子和离线交易授权。
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公开(公告)号：US5466920A
公开(公告)日：1995-11-14
申请号：US790658
申请日：1991-11-08
CPC分类号： G06K7/084
摘要： Real time decoding methods and apparatus for a card transaction terminal used for reading a magnetic stripe on a data card. The method is implemented in a microcomputer employed in the terminal. The data decode method for the microcomputer decodes data in real time as it is read from the magnetic stripe on the card and obviates random access memory external to the microcomputer. A memory is provided in the terminal large enough to store data characters corresponding to at least one predetermined data field on the card generated during a swipe of the card but insufficient to store all of the self clocking signals generated during the swipe. A sentinel character in the self clocking signals is first decoded. Then, a data character associated with the at least one predetermined data field is decoded in response to a predetermined number of self clocking signals generated subsequent to the sentinel character. Finally, the decoded data character is stored in the memory.
摘要翻译： 用于读取数据卡上的磁条的卡交易终端的实时解码方法和装置。 该方法在终端中使用的微型计算机中实现。 微处理器的数据解码方法是从卡上的磁条中读出数据实时地进行数据解码，并且避免微机外部的随机存取存储器。 在终端中提供足够大的存储器来存储对应于在刷卡期间产生的卡上的至少一个预定数据字段的数据字符，但不足以存储在刷卡期间产生的所有自定时信号。 首先对自适应信号中的前哨字符进行解码。 然后，响应于在前哨字符之后产生的预定数量的自定时信号来解码与至少一个预定数据字段相关联的数据字符。 最后，解码后的数据字符存储在存储器中。
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4.发明授权
公开(公告)号：US5428210A
公开(公告)日：1995-06-27
申请号：US820401
申请日：1992-01-10
申请人： Parameswaran B. Nair , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Paul W. Noblett, Jr. , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Voght
发明人： Parameswaran B. Nair , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Paul W. Noblett, Jr. , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Voght
IPC分类号： F02B75/02 , G06Q20/04 , G06Q20/24 , G06Q20/40 , G06Q20/42 , H04M11/00 , G06K15/02 , G06K5/00
CPC分类号： G06Q20/425 , G06Q20/04 , G06Q20/24 , G06Q20/40 , H04M11/00 , F02B2075/025
摘要： A data card terminal, such as a credit card transaction terminal, is disclosed. The terminal includes a transaction terminal comprising an embossed character reader and magnetic stripe reader, with a separate signature capture printer. The transaction terminal is operative for detecting the physical presence of a data card during a card transaction. The embossed character reader employs a tactile imager and pattern recognition for detecting the embossed characters on the data card. A signature capturing printer prints a paper receipt, which is signed by a cardholder at a signature capturing window on the printer. A signature capturing system digitizes and compresses signals corresponding to the signature of the card holder. Transaction data including compressed signature signals and signals indicative of the presence of the card are transmitted to the host computer system of a transaction processor, who guarantees the transaction as chargeback-protected under certain circumstances. Also disclosed are methods for operation of the terminal, and methods for operation of transaction processor systems responsive to signals from the terminal, such as providing chargeback protected transactions and providing electronic and off-line transaction authorizations.
摘要翻译： 公开了诸如信用卡交易终端的数据卡终端。 终端包括具有压纹字符读取器和磁条读取器的交易终端，具有单独的签名捕获打印机。 交易终端用于在卡交易期间检测数据卡的物理存在。 浮雕字符读取器采用触觉成像器和模式识别来检测数据卡上的压花字符。 签名捕获打印机打印由持卡人在打印机上的签名捕获窗口签名的纸质收据。 签名捕获系统对与卡持有者的签名相对应的信号进行数字化和压缩。 包括压缩签名信号和指示卡存在的信号的交易数据被发送到交易处理器的主计算机系统，交易处理器在某些情况下将交易保证为拒付保护。 还公开了用于操作终端的方法以及响应于来自终端的信号的事务处理器系统的操作的方法，诸如提供拒付保护的交易并提供电子和离线交易授权。
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公开(公告)号：US5362952A
公开(公告)日：1994-11-08
申请号：US141918
申请日：1993-10-22
CPC分类号： G06K7/084
摘要： A low cost, easily-manufacturable circuit for a data card transaction terminal for reading a magnetic stripe on a data card. The circuit comprises a single, double-sided circuit board having minimized circuit components. The printed circuit board mounts an alphanumeric liquid crystal display (LCD) to a first side of the circuit board, a single chip LCD driver circuit, a bracket for extending through mounting holes in the circuit board and holding the liquid crystal display, keypad electrical contacts formed on the first side of the circuit board, and a plurality of circuit components all affixed to the second side of the circuit board. The circuit components affixed to the second side of the circuit board include a nonvolatile electrically erasable programmable read-only memory (EEPROM), a single chip modem circuit, data access arrangement circuitry for connecting the modem to an external telephone line, a magnetic stripe read head interface circuit, and a single chip microcomputer circuit including with internal mask-programmed read-only memory for storage of a software program. The circuit components include no memory components other than the EEPROM and memory internal to the single chip microcomputer.
摘要翻译： 用于数据卡交易终端读取数据卡上的磁条的低成本，容易制造的电路。 该电路包括具有最小化的电路部件的单个双面电路板。 印刷电路板将一个字母数字液晶显示器（LCD）安装到电路板的第一侧，单芯片LCD驱动电路，用于延伸通过电路板中的安装孔并保持液晶显示器的支架，键盘电气触点 形成在电路板的第一侧上，以及多个电路部件，其全部固定到电路板的第二侧。 固定到电路板第二面的电路部件包括一个非易失性电可擦除可编程只读存储器（EEPROM），一个单芯片调制解调器电路，用于将调制解调器连接到一个外部电话线的数据访问配置电路，一个磁条读取 头接口电路，以及包含用于存储软件程序的具有内部掩码编程的只读存储器的单片微机电路。 电路组件不包括EEPROM以外的存储器组件和单片机内部的存储器。
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公开(公告)号：US5357563A
公开(公告)日：1994-10-18
申请号：US79501
申请日：1993-06-17
申请人： James H. Hamilton , Peter R. Cavicchi , Timothy W. Depew , Shelley K. Friedman , Edward G. Kligfeld , Paul W. Noblett, Jr. , Diane T. Vogt , James T. Stills , Gregory A. Philmon , Parameswaran B. Nair , Murray A. Morton
发明人： James H. Hamilton , Peter R. Cavicchi , Timothy W. Depew , Shelley K. Friedman , Edward G. Kligfeld , Paul W. Noblett, Jr. , Diane T. Vogt , James T. Stills , Gregory A. Philmon , Parameswaran B. Nair , Murray A. Morton
CPC分类号： G06Q20/425 , G06Q20/04 , G06Q20/24 , G06Q20/40 , H04M11/00 , F02B2075/025
摘要： A data card terminal, such as a credit card transaction terminal, is disclosed. The terminal is capable of requesting and receiving electronic authorization indicia via alternative communications links. The terminal includes first communications means for automatically connecting the terminal with a transaction processing host computer system via a first communications link, and second communications means for automatically connecting the terminal with the transaction processing host computer system via a separate second communications link if the first link fails. A third communications means automatically connects the terminal to an audio response unit (ARU) via a third communications link in response to a "call me" signal from the host computer system, or if the first and second communications links fail. Transaction data is automatically transmitted from the terminal to the ARU via DTMF signals. The terminal includes means for receiving manual entry of audible authorization indicia received from the ARU, and means for verifying manually entered authorization indicia.
摘要翻译： 公开了诸如信用卡交易终端的数据卡终端。 终端能够通过替代通信链路请求和接收电子授权标记。 终端包括用于经由第一通信链路自动地将终端与交易处理主计算机系统连接的第一通信装置，以及用于通过单独的第二通信链路自动地将终端与交易处理主计算机系统连接的第二通信装置，如果第一链路 失败了 第三通信装置响应于来自主计算机系统的“呼叫”信号，或者如果第一和第二通信链路故障，则通过第三通信链路自动将终端连接到音频响应单元（ARU）。 交易数据通过DTMF信号从终端自动发送到ARU。 终端包括用于接收从ARU接收到的可听授权标记的手动输入的装置，以及用于验证手动输入的授权标记的装置。
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公开(公告)号：US5396545A
公开(公告)日：1995-03-07
申请号：US141864
申请日：1993-10-22
CPC分类号： G06K7/084
摘要： A low cost, easily manufacturable, and easy to use card transaction terminal for reading a magnetic stripe on a data card. A two piece case snaps securely together without screws or other fasteners. The case includes printed circuit board supports for receiving and temporarily supporting a single, double sided circuit board. The circuit board includes minimized circuit components, including a microcomputer with integral program read-only memory. An improved data read head sub-assembly facilitates assembly and provides for precise positioning of data read head and substantially parallel biasing of the read head against the magnetic stripe of a data card. Keying features ensure that the read head subassembly is mounted in the proper orientation. An integral strain relief mechanism formed in the two piece case provides strain relief for power cord without additional hardware. An improved data decode method for the microcomputer decodes data in real time as it is read from the magnetic stripe on the card and obviates random access memory external to the microcomputer. An adaptive method is provided for initially configuring and thereafter operating the card transaction terminal, by affixing a predetermined string of additional access characters to a host telephone number in the event that a first attempt to contact a host computer system fails.
摘要翻译： 低成本，易于制造和易于使用的卡交易终端，用于读取数据卡上的磁条。 一个两件式的盒子牢固地卡在一起，没有螺丝或其他紧固件。 该案例包括用于接收和暂时支持单个双面电路板的印刷电路板支架。 电路板包括最小化的电路组件，包括具有集成程序只读存储器的微型计算机。 改进的数据读取头子组件有助于组装，并且提供数据读取头的精确定位以及读取磁头抵靠数据卡的磁条的基本上平行的偏置。 键控功能确保读头组件以正确方向安装。 形成在两片外壳中的整体应变消除机构为电源线提供应变消除，而无需额外的硬件。 用于微型计算机的改进的数据解码方法在从卡上的磁条读取时实时地对数据进行解码，并且消除了微型计算机外部的随机存取存储器。 提供了一种自适应方法，用于在首次尝试联系主计算机系统失败的情况下，通过将预定的附加访问字符串附加到主机电话号码来初始配置和此后操作卡交易终端。
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8.发明授权Systems and methods for operating data card terminals for transaction chargeback protection 失效操作数据卡终端用于交易退款保护的系统和方法
公开(公告)号：US5334823A
公开(公告)日：1994-08-02
申请号：US819327
申请日：1992-01-10
申请人： Paul W. Noblett, Jr. , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Parameswaran B. Nair , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
发明人： Paul W. Noblett, Jr. , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Parameswaran B. Nair , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
CPC分类号： G06Q20/00 , F02B2075/025
摘要： Systems and methods for operating a data card terminal, such as a credit card transaction terminal, for providing chargeback protection services for the benefit of merchants are disclosed. The terminal includes a transaction terminal comprising an embossed character reader and magnetic stripe reader, with a separate signature capture printer. The transaction terminal is operative for detecting the physical presence of a data card during a card transaction. The embossed character reader employs a tactile imager and pattern recognition for detecting the embossed characters on the data card. A signature capturing printer prints a paper receipt, which is signed by a cardholder at a signature capturing window on the printer. A signature capturing system digitizes and compresses signals corresponding to the signature of the card holder. Transaction data including compressed signature signals and signals indicative of the presence of the card are transmitted to the host computer system of a transaction processor, who guarantees the transaction as chargeback-protected under certain circumstances. Also disclosed are methods for providing electronic and off-line transaction authorizations.
摘要翻译： 公开了用于操作诸如信用卡交易终端的数据卡终端的用于为商人利益提供退款保护服务的系统和方法。 终端包括具有压纹字符读取器和磁条读取器的交易终端，具有单独的签名捕获打印机。 交易终端用于在卡交易期间检测数据卡的物理存在。 浮雕字符读取器采用触觉成像器和模式识别来检测数据卡上的压花字符。 签名捕获打印机打印由持卡人在打印机上的签名捕获窗口签名的纸质收据。 签名捕获系统对与卡持有者的签名相对应的信号进行数字化和压缩。 包括压缩签名信号和指示卡存在的信号的交易数据被发送到交易处理器的主计算机系统，交易处理器在某些情况下将交易保证为拒付保护。 还公开了用于提供电子和离线交易授权的方法。
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公开(公告)号：US5448047A
公开(公告)日：1995-09-05
申请号：US261001
申请日：1994-06-16
申请人： Parameswaran B. Nair , John C. Evans , James F. Price , Kumar S. Choudhuri , James T. Stills , Victor V. Goulding
发明人： Parameswaran B. Nair , John C. Evans , James F. Price , Kumar S. Choudhuri , James T. Stills , Victor V. Goulding
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/042 , G06Q20/204 , G06Q20/347 , G07F7/127
摘要： A method of obtaining and providing card identifying information from a data card presented in connection with a financial transaction, the data card having a magnetic stripe and an embossed region containing identifying information, the method being carried out in a data card terminal. The data card terminal is operative for gathering credit card or check information required for customer transactions at a point of sale. The method comprises providing a transaction risk parameter selectively indicative of a first or second level of transaction security to be provided for the data card terminal. In response to the transaction risk parameter indicating the first level of security, verified card identifying information is provided if either the first data record region or the second data region contains valid card identifying information. In response to the transaction risk parameter indicating the second level of security, a second level security check is performed. During the second level security check the first data record region is compared with the second data record region to determine if the data contained in the two regions match. If the first and second data regions match, verified card identifying information is provided. The data regions may comprise magnetic stripe data or embossed characters on the data card.
摘要翻译： 一种从与金融交易相关联的数据卡获取和提供卡片识别信息的方法，该数据卡具有磁条和包含识别信息的压印区域，该方法在数据卡终端中执行。 数据卡终端用于在销售点收集信用卡或检查客户交易所需的信息。 该方法包括提供交易风险参数，该交易风险参数有选择地指示为数据卡终端提供的交易安全性的第一级或第二级。 响应于指示第一级安全性的交易风险参数，如果第一数据记录区域或第二数据区域包含有效的卡片识别信息，则提供经过验证的卡片识别信息。 响应于指示第二级安全性的交易风险参数，执行第二级安全检查。 在第二级安全检查期间，将第一数据记录区域与第二数据记录区域进行比较，以确定两个区域中包含的数据是否匹配。 如果第一和第二数据区域匹配，则提供经过验证的卡片识别信息。 数据区域可以包括数据卡上的磁条数据或压纹字符。
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10.发明授权Systems and methods for operating data card terminals for transaction chargeback protection 失效操作数据卡终端用于交易退款保护的系统和方法
公开(公告)号：US5432326A
公开(公告)日：1995-07-11
申请号：US267280
申请日：1994-06-28
申请人： Paul W. Noblett, Jr. , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Parameswaran B. Nair , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
发明人： Paul W. Noblett, Jr. , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Parameswaran B. Nair , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
CPC分类号： G06Q20/00 , F02B2075/025
摘要： Systems and methods for operating a data card terminal, such as a credit card transaction terminal, for providing chargeback protection services for the benefit of merchants are disclosed. The terminal includes a transaction terminal comprising an embossed character reader and magnetic stripe reader, with a separate signature capture printer. The transaction terminal is operative for detecting the physical presence of a data card during a card transaction. The embossed character reader employs a tactile imager and pattern recognition for detecting the embossed characters on the data card. A signature capturing printer prints a paper receipt, which is signed by a cardholder at a signature capturing window on the printer. A signature capturing system digitizes and compresses signals corresponding to the signature of the card holder. Transaction data including compressed signature signals and signals indicative of the presence of the card are transmitted to the host computer system of a transaction processor, who guarantees the transaction as chargeback-protected under certain circumstances. Also disclosed are methods for providing electronic and off-line transaction authorizations.
摘要翻译： 公开了用于操作诸如信用卡交易终端的数据卡终端的用于为商人利益提供退款保护服务的系统和方法。 终端包括具有压纹字符读取器和磁条读取器的交易终端，具有单独的签名捕获打印机。 交易终端用于在卡交易期间检测数据卡的物理存在。 浮雕字符读取器采用触觉成像器和模式识别来检测数据卡上的压花字符。 签名捕获打印机打印由持卡人在打印机上的签名捕获窗口签名的纸质收据。 签名捕获系统对与卡持有者的签名相对应的信号进行数字化和压缩。 包括压缩签名信号和指示卡存在的信号的交易数据被发送到交易处理器的主计算机系统，交易处理器在某些情况下将交易保证为拒付保护。 还公开了用于提供电子和离线交易授权的方法。
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