Apparatus and method for producing a digitized transaction record including an encrypted signature

• US 5,297,202 A
• Filed: 11/20/1992
• Issued: 03/22/1994
• Est. Priority Date: 01/11/1991
• Status: Expired due to Term

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Onega, Albert, Protheroe, Robert L., Kapp, Michael A.
• Primary Examiner(s): Gregory, Bernarr E.
• Application Number:
  US07/979,817
• Time in Patent Office: 487 Days
• Field of Search: 380/9, 380/16, 380/22-25, 380/49, 380/50, 380/51, 380/3, 380/4, 380/29, 380/30, 380/55, 382/2, 382/3, 382/56, 355/77, 235/379, 235/380
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07C 9/35 by means of a handwritten signature
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1016 Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00

Abstract

A method and system for generating a completed payment document ready for signature in image form. The document is signed by a customer and a copy of the signature is captured in digital form. Thereafter the signature is encrypted and saved along with a digital record of the transaction.

Claims

1. A method of processing a business transaction comprising the steps of:

entering data defining said transaction into a terminal;

displaying a business form including said data on a display screen;

directing a participant to sign said business form on said display screen;

capturing and digitizing the signature of said participant;

encrypting said signature; and

creating a digital record of said transaction including an encrypted copy of said signature.

2. The method of claim 1 and further comprising the step of printing a hard copy of said business form including a readable copy of said signature for submission to said participant.

3. A method of processing customer charge and debit account transactions using apparatus which includes a cashier-operated point of sale (POS) terminal, a printer and a customer-operated write input device having a touch sensitive display screen and a card reader, comprising the steps of:

(a) displaying an idle condition of said screen;

(b) operating said terminal to initiate the start of a transaction;

(c) entering data concerning items of a transaction into said terminal;

(d) displaying data concerning said items on said display screen;

(e) operating said terminal to indicate entry of the last item of a transaction;

(f) entering customer account data into said terminal;

(g) displaying a transaction record on said display screen;

(h) obtaining the signature of the customer on said write input device;

(i) encrypting said signature;

(j) printing a transaction record; and

(k) creating a transaction record in digital form, including an encrypted copy of said signature.

4. A method of validating a business transaction comprising the steps of:

activating a display to present an image of transaction related data;

manually moving a position indicating device in a cursive manner corresponding to the writing of a personal validating signature;

sensing a series of positions of said position indicating device and generating a series of corresponding position coordinates;

creating a digital record of said signature by storing said coordinates in a memory;

using said coordinates to cause said display to present an image of said signature concomitantly and in a predetermined spaced relation with the image of said transaction related data;

encrypting said signature; and

storing a copy of said signature in encrypted form.

5. Transaction validating apparatus comprising:

transaction input means for creating a digitized transaction record including information defining a business transaction;

stylus means for manual movement corresponding to the writing of an approving signature for said transaction;

liquid crystal display means for presenting a visual image of said signature;

capture means including a transparent reference surface connected for generating position signals in response to moving contact by said stylus and mounted on said display means for causing said visual image to be written in registration with the moving point of contact between said surface and stylus means; and

encryption means responsive to said capture means for encrypting said signature record.

6. Apparatus according to claim 5 and further comprising controller means connected to said transaction means and to said capture means for associating said transaction record with said signature record.