SYSTEMS AND METHODS TO DIGITALLY SIGN TRANSACTIONS
First Claim
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1. A computer-implemented method, comprising:
- collecting, in a computing apparatus, data identifyinga device configured to present account information of a consumer account to a transaction terminal,a user of the device to make a payment transaction using the device, andthe payment transaction initiated on the transaction terminal;
combining the data to generate, by the computing apparatus, a code; and
storing, by the computing apparatus, the code in association with a transaction record of the payment transaction to represent a signature for the payment transaction.
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Abstract
A computing apparatus is configured to collect data about the account presentation device used to initiate a transaction on a transaction terminal, data about the user using the account presentation device at the transaction terminal, and/or data about the details of the transaction. The computing apparatus combine the collected data to generate a code as a substitute of the signature of the user.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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collecting, in a computing apparatus, data identifying a device configured to present account information of a consumer account to a transaction terminal, a user of the device to make a payment transaction using the device, and the payment transaction initiated on the transaction terminal; combining the data to generate, by the computing apparatus, a code; and storing, by the computing apparatus, the code in association with a transaction record of the payment transaction to represent a signature for the payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A transaction terminal having at least one processor and a memory storing instructions configured to instruct the at least one processor to perform operations, the transaction terminal comprising:
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a reader configured to obtain account information and device information from an account identification device; and a device configured to capture user information of a user using the account identification device at the transaction terminal to initiate a payment transaction; wherein the instructions are configured to initiate the payment transaction using the account information obtained from the account identification device, combine data including the device information and the user information to generate a code for the transaction, and provide the code in a signature field of a receipt for the transaction. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A computing apparatus having at least one processor and a memory storing instructions configured to instruct the at least one processor to at least perform operations, the computing apparatus comprising:
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a data warehouse configured to store a security preference in association with account information; and a transaction handler configured to receive, from a transaction terminal via an acquirer processor, an authorization request for a payment transaction initiated using the account information provided by a user, and provide a security indicator in a response to the authorization request in accordance with the security preference, the security indicator causing the transaction terminal to generate a code using at least user information of the user captured by the transaction terminal and provide the code as a signature in a receipt of the transaction.
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18. The computing apparatus 16, further comprising:
a portal configured to receive the code from the transaction handler and store the code in the data warehouse in association with a transaction record of the transaction. - View Dependent Claims (19, 20)
Specification