Digital graphic signature system

• US 6,757,826 B1
• Filed: 04/13/1999
• Issued: 06/29/2004
• Est. Priority Date: 04/14/1998
• Status: Expired due to Term

• Current Assignee: Citicorp Credit Services Incorporated (Citigroup Incorporated)
• Original Assignee: Citicorp Development Center Incorporated (Citigroup Incorporated)
• Inventors: Paltenghe, Cris T.
• Primary Examiner(s): Peeso, Thomas R.
• Application Number:
  US09/290,427
• Time in Patent Office: 1,904 Days
• Field of Search: 713/176, 713/179, 713/182, 713/170
• US Class Current: 713/170
• CPC Class Codes: G06F 21/64 Protecting data integrity, e.g. using checksums, certificates or signatures
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

The present invention relates to a digital graphic signature system and methods for use in electronic commerce. The system comprises a document portion, including information relating to the document being executed, and a signature portion. The document portion and the signature portion may be encrypted and merged into a single object readily identifiable to an individual. The terminology “digital graphic signature” or “digigraphic signature” is utilized herein to describe the merged object.

The digital graphic signature system of the present invention may be advantageously utilized in electronic transactions, including transactions over the internet and network systems. The digital graphic signature system of the present invention may also be advantageously utilized in conjunction with information banking and virtual wallets.

Also disclosed is a digital graphic signet for transmitting a private communication.

Claims

1. A digital graphic signature for a transaction involving an individual the digital graphic signature having a visual representation comprising a plurality of points the digital graphic signature comprising:

merged points of at least a first color corresponding to transaction details data and points of at least a second color corresponding to the individual'"'"'s signature data the points forming a visual representation of the individual'"'"'s signature.

2. The digital graphic signature of claim 1 wherein the transaction details data comprise at least one of the following:

an abstract of the document being executed;

the body of the document being executed;

excerpts from the body of the document being executed;

or

an individual'"'"'s notes relating to the document being executed.

3. The digital graphic signature of claim 2 wherein the transaction details data comprise the abstract.

4. The digital graphic signature system of claim 3 wherein the abstract comprises a digest of what the individual is actually agreeing to by executing the document.

5. The digital graphic signature of claim 3 wherein the abstract comprises at least one of the following types of reference information:

the date, the parties involved, or a transaction reference number.

6. The digital graphic signature of claim 3 wherein the abstract is in text.

7. The digital graphic signature of claim 2 wherein the transaction details data comprise excerpts from the body of the document being executed.

8. The digital graphic signature of claim 3 wherein the transaction details data comprise excerpts from the body of the document being executed.

9. The digital graphic signature of claim 7 wherein the excerpts are in text form.

10. The digital graphic signature of claim 2 wherein the transaction details data comprise the body of the document being executed.

11. The digital graphic signature of claim 2 wherein the transaction details data further comprise an individual'"'"'s notes.

12. The digital graphic signature of claim 11 wherein the individual'"'"'s notes comprise the purpose of the transaction, the nature of the transaction, or other details having significance to the individual.

13. The digital graphic signature of claim 3 wherein the transaction details data further comprises an individual'"'"'s notes.

14. The digital graphic signature of claim 1 wherein the individual'"'"'s signature data comprises graphical data generated from a graphic of the individual signature.

15. The digital graphic signature of claim 1 wherein the transaction details data and the individual'"'"'s signature data are encrypted.

16. The digital graphic signature of claim 1 wherein the merged points are color encoded.

17. The digital graphic signature of claim 13 wherein the transaction details data and the individual'"'"'s signature data are color encoded wherein the abstract comprises blue values, the individual'"'"'s notes comprise green values and the individual'"'"'s signature data comprise red values.

18. The digital graphic signature of claim 1 wherein the visual representation is capable of being displayed on a video display terminal.

19. A digital graphic signature of claim 1 further comprising a digital graphic signet encoded in at least one of the plurality of colors.

20. A digital graphic signature system comprising:

the digital graphic signature of claim 1;

an input apparatus for the transaction details data;

an input apparatus for the signature data; and

a video display terminal.

21. A method for producing a digital graphic signature corresponding to a document executed by an individual, the method comprising:

forming an abstract of the document;

obtaining the individual'"'"'s signature;

producing a document abstract data stream from the abstract;

producing a signature data stream from the signature; and

merging the document abstract data stream and the signature data stream into a digital graphic signature.

22. The method of claim 21 further comprising:

obtaining memo data from the individual;

producing a document memo data stream; and

merging the document abstract data stream, the document memo data stream and the signature data stream into a digital graphic signature.

23. A method for producing a digital graphic signature corresponding to a document executed by an individual, the document method comprising:

selecting details relating to the document;

forming an abstract of the document;

obtaining the individual'"'"'s signature;

producing a document details data stream from the details;

producing a document abstract data stream from the abstract;

producing a signature data stream from the signature; and

merging the document details data stream;

the document abstract data stream and the signature data stream into a digital graphic signature.

24. The method of claim 23 further comprising:

obtaining memo data from the individual;

producing a document memo data stream; and

merging the document details data stream;

the document abstract data stream, the document memo data stream and the signature data stream into a digital graphic signature.