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

IPC分类号： F02B75/02 ,  G06Q20/00 ,  G06F17/00

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。

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。

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

IPC分类号： F02B75/02 ,  G06Q20/00 ,  G06F15/21

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。

公开(公告)号：US5479530A

公开(公告)日：1995-12-26

申请号：US85618

申请日：1993-06-30

申请人： Parameswaran B. Nair ,  Kumar S. Choudhuri ,  Murray A. Morton ,  Holly B. Krahe ,  John C. Evans ,  Mark Brady ,  Edward G. Kligfeld ,  Thomas J. Liney ,  Paul W. Noblett, Jr. ,  Laura J. Turner ,  Diane T. Vogt ,  James F. Price

发明人： Parameswaran B. Nair ,  Kumar S. Choudhuri ,  Murray A. Morton ,  Holly B. Krahe ,  John C. Evans ,  Mark Brady ,  Edward G. Kligfeld ,  Thomas J. Liney ,  Paul W. Noblett, Jr. ,  Laura J. Turner ,  Diane T. Vogt ,  James F. Price

IPC分类号： F02B75/02 ,  G06Q20/04 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/42 ,  H04M11/00 ,  G06K9/00

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。

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

IPC分类号： F02B75/02 ,  G06Q20/04 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/42 ,  H04M11/00 ,  G06K7/00

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。