Method of transmitting electronic signature during a financial transaction

• US 8,011,575 B1
• Filed: 05/25/2010
• Issued: 09/06/2011
• Est. Priority Date: 04/17/1998
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Steinbach, Klaus, Motz, Ray, Hill, Jeff, Modi, Ashok, Ramachandran, Natarajan
• Primary Examiner(s): Frech, Karl D.
• Application Number:
  US12/800,915
• Time in Patent Office: 469 Days
• Field of Search: 235/379, 235/380, 235/375, 235/472.01, 235/472.02, 235/472.03
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07G 1/0045 with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader
• CPC Class Codes: G07G 1/0081 the reader being a portable scanner or data reader G07G1/009 takes precedence

Abstract

A system operates to carry out financial transfers in response to data read from data bearing records. A cell phone having a camera stores in memory indicia corresponding to account data from a plurality of magnetic stripe cards. A user can operate the phone to select one of the accounts stored in the memory. The memory further includes a scanned user-identifying written signature. The user can use the phone during an item purchase to wirelessly transmit each of an item'"'"'s identifier captured by the camera, selected account data, and the user signature.

Claims

1. Apparatus comprising:

a system comprising;

a transaction system computer,

wherein the transaction system computer is operative to receive from a customer via the Internet during a financial transaction requiring customer signature and customer account information, customer-identifying electronic signature data wirelessly communicated during the financial transaction from a portable customer device including a wireless customer phone,

wherein the transaction system computer is operative during the financial transaction to receive customer account information from the customer;

wherein the transaction system computer is operative to cause the electronic signature data received and the customer account information received to be used in the financial transaction.

2. The apparatus according to claim 1

wherein the system comprises a banking system,

wherein the banking system includes the transaction system computer, the portable customer device, and a plurality of automated banking machines,

wherein the portable customer device includes a biometric reader operative to read user biometric data,

wherein the portable customer device includes programmable memory including stored biometric data corresponding to an authorized user of the portable customer device,

wherein the portable customer device is operative to compare read user biometric data to the stored biometric data in authorizing usage of the portable customer device,

wherein the portable customer device is operative to carry out a transaction with an automated banking machine to cause transfer of value from a financial account corresponding to the customer account information.

3. The apparatus according to claim 1 wherein the transaction system computer is operative to receive from the portable customer device, wireless Internet communication of the electronic signature data.

4. The apparatus according to claim 3 wherein the wireless customer phone comprises a cell phone, wherein the transaction system computer is operative to receive from the cell phone, wireless Internet communication of the electronic signature data.

5. The apparatus according to claim 1 wherein the transaction system computer is operative to receive from the portable customer device, customer account information wirelessly communicated from the portable customer device.

6. The apparatus according to claim 5 wherein the transaction system computer is operative to receive from the portable customer device via the Internet, customer account information wirelessly communicated from the portable customer device.

7. The apparatus according to claim 6 wherein the transaction system computer is operative to receive from the portable customer device, wireless Internet communication including the customer account information.

8. The apparatus according to claim 7 wherein the wireless customer phone comprises a cell phone, wherein the transaction system computer is operative to receive from the cell phone, wireless Internet communication including the customer account information.

9. The apparatus according to claim 1

wherein the transaction system computer is operative to receive from the wireless customer phone, at least one wireless Internet communication including both the electronic signature data and the customer account information.

10. The apparatus according to claim 1 wherein the system comprises a merchant system, wherein the merchant system includes the transaction system computer, wherein the transaction system computer is operative to receive data from a customer during a purchase transaction involving a merchant and the customer.

11. A method comprising:

(a) operating a transaction system computer to receive from a customer via the Internet during a financial transaction requiring customer signature and customer account information, customer-identifying electronic signature data wirelessly communicated during the financial transaction from a portable customer device including a wireless customer phone;

(b) operating the transaction system computer during the financial transaction to receive customer account information from the customer; and

(c) operating the transaction system computer to cause the electronic signature data received in (a) and the customer account information received in (b) to be used in the financial transaction.

12. The method according to claim 11 wherein a banking system includes the transaction system computer, wherein (a), (b), and (c) occur during a banking transaction involving a banking customer.

13. The method according to claim 11 wherein (a) includes operating the transaction system computer to receive from the portable customer device, wireless Internet communication of the electronic signature data.

14. The method according to claim 13 wherein the wireless customer phone comprises a cell phone, wherein (a) includes operating the transaction system computer to receive from the cell phone, wireless Internet communication of the electronic signature data.

15. The method according to claim 11 wherein (b) includes operating the transaction system computer to receive customer account information wirelessly communicated from the portable customer device.

16. The method according to claim 15 wherein (b) includes operating the transaction system computer to receive via the Internet, customer account information wirelessly communicated from the portable customer device.

17. The method according to claim 16 wherein (b) includes operating the transaction system computer to receive from the portable customer device, wireless Internet communication of the customer account information.

18. The method according to claim 17 wherein the wireless customer phone comprises a cell phone, wherein (b) includes operating the transaction system computer to receive from the cell phone, wireless Internet communication of the customer account information.

19. The method according to claim 11

wherein (a) includes operating the transaction system computer to receive from the wireless customer phone, wireless Internet communication of the electronic signature data,

wherein (b) includes operating the transaction system computer to receive from the wireless customer phone, wireless Internet communication of the customer account information.

20. The method according to claim 11 wherein a merchant system includes the transaction system computer, wherein (a), (b), and (c) occur during a purchase transaction involving a merchant and the customer.