Automatic signature verification for retail payment transactions
First Claim
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1. A method for automatically verifying a signature during a retail payment transaction, the method comprising the steps of:
- (a) obtaining an electronic signature of a cardholder;
(b) using an electronic signature verification process to automatically verify the electronic signature; and
(c) requiring a point-of-sale (POS) operator to manually verify the electronic signature when an exception occurs during the electronic signature verification.
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Abstract
A method and system for automatically verifying a signature during a retail payment transaction is disclosed. Aspects of the invention include obtaining an electronic signature of a cardholder, and using an electronic signature verification process to automatically verify the electronic signature. The present invention further includes requiring a point-of-sale (POS) operator to manually verify the electronic signature only when an exception occurs during the electronic signature verification.
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Citations
24 Claims
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1. A method for automatically verifying a signature during a retail payment transaction, the method comprising the steps of:
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(a) obtaining an electronic signature of a cardholder;
(b) using an electronic signature verification process to automatically verify the electronic signature; and
(c) requiring a point-of-sale (POS) operator to manually verify the electronic signature when an exception occurs during the electronic signature verification. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. An automatic signature verification system, comprising:
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a card reader for reading data from a credit card;
a signature capture device for capturing an electronic signature from a card holder during a retail transaction;
a point-of-sale (POS) terminal coupled to the card reader and the signature capture device for transmitting the data to a credit host for account authorization; and
a signature database for storing digitally captured signatures in association with account numbers;
wherein once the credit host authorizes the account, an automatic signature verification process is performed in which the electronic signature is compared to a digital signature stored in the signature database in association with the account of the card, and wherein, if the automatic signature verification fails, an operator of the POS terminal is prompted to manually verify the electronic signature with signature on the credit card. - View Dependent Claims (11, 12, 13, 14, 15)
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16. A computer-readable medium containing program instructions for automatically verifying a signature during a retail payment transaction, the program instructions for:
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(a) obtaining an electronic signature of a cardholder;
(b) using an electronic signature verification process to automatically verify the electronic signature; and
(c) requiring a point-of-sale (POS) operator to manually verify the electronic signature when an exception occurs during the electronic signature verification. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24)
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Specification