Method of transmitting electronic signature during a financial transaction

• US 8,342,397 B1
• Filed: 09/02/2011
• Issued: 01/01/2013
• Est. Priority Date: 04/17/1998
• Status: Expired due to Fees

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Ramachandran, Natarajan, Modi, Ashok, Hill, Jeff, Steinbach, Klaus, Motz, Ray
• Primary Examiner(s): Frech, Karl D
• Application Number:
  US13/199,586
• Time in Patent Office: 487 Days
• Field of Search: 235/379, 235/375
• 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. At least one article including computer executable instructions configured to cause at least one computer of a transaction system to carry out a method comprising:

(a) operating the at least one 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 at least one computer to receive from the customer during the financial transaction, customer account information; and

(c) operating the at least one 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.

2. The at least one article according to claim 1 wherein a banking system includes the at least one computer 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 operable 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,

and further comprising:

(d) operating the biometric reader to read user biometric data;

(e) operating the portable customer device to compare the user biometric data read in (d) to the stored biometric data in authorizing usage of the portable customer device.

3. The at least one article according to claim 1 wherein (a) includes operating the at least one computer to receive from the portable customer device, wireless Internet communication including the electronic signature data.

4. The at least one article according to claim 3 wherein the wireless customer phone comprises a cell phone,

wherein (a) includes operating the at least one computer to receive from the cell phone, wireless Internet communication including the electronic signature data.

5. The at least one article according to claim 1 wherein (b) includes operating the at least one computer to receive from the portable customer device, customer account information wirelessly communicated from the portable customer device.

6. The at least one article according to claim 5 wherein the wireless customer phone comprises a cell phone,

wherein (b) includes operating the at least one computer to receive from the cell phone, wireless Internet communication including the customer account information.

7. The at least one article according to claim 1

wherein (a) includes operating the at least one computer to receive from the wireless customer phone, at least one wireless Internet communication including the electronic signature data,

wherein (b) includes operating the at least one computer to receive from the wireless customer phone, at least one wireless Internet communication including the customer account information.

8. The at least one article according to claim 1 wherein the system comprises a merchant system, wherein the merchant system includes the at least one computer,

wherein (b) includes operating the at least one computer to receive data from a customer during a purchase transaction involving a merchant and the customer.

9. At least one article including computer executable instructions configured to cause at least one computer of a transaction system to carry out a method comprising:

(a) operating the at least one 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 phone;

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

(c) operating the at least one 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.

10. The at least one article according to claim 9 wherein a banking system includes the at least one computer, wherein (a), (b), and (c) occur during a banking transaction involving a banking customer.

11. The at least one article according to claim 9 wherein (a) includes operating the at least one computer to receive from the portable phone, wireless Internet communication including the electronic signature data.

12. The at least one article according to claim 11 wherein the portable phone comprises a cell phone, wherein (a) includes operating the at least one computer to receive from the cell phone, wireless Internet communication including the electronic signature data.

13. The at least one article according to claim 9 wherein (b) includes operating the at least one computer to receive customer account information wirelessly communicated from the portable phone.

14. The at least one article according to claim 13 wherein the portable phone comprises a cell phone, wherein (b) includes operating the at least one computer to receive from the cell phone, wireless Internet communication including the customer account information.

15. The at least one article according to claim 9

wherein (a) includes operating the at least one computer to receive from the portable phone, wireless Internet communication including the electronic signature data,

wherein (b) includes operating the at least one computer to receive from the portable phone, wireless Internet communication including the customer account information.

16. The at least one article according to claim 9 wherein a merchant system includes the at least one computer, wherein (a), (b), and (c) occur during a purchase transaction involving a merchant and the customer.

17. At least one article including computer executable instructions configured to cause at least one computer of a transaction system to carry out a method comprising:

(a) operating the at least one computer to receive from a customer during a financial transaction requiring customer signature and customer account information, customer-identifying electronic signature data wirelessly communicated from a portable phone during the financial transaction,

wherein the at least one computer is operable to wirelessly receive electronic signature data via the Internet and via at least one cellular phone network;

(b) operating the at least one computer during the financial transaction to receive customer account information wirelessly communicated from the portable phone during the financial transaction,

wherein the at least one computer is operable to wirelessly receive customer account information via the Internet and via the at least one cellular phone network; and

(c) operating the at least one 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.

18. The at least one article according to claim 17 wherein a banking system includes the at least one computer, wherein (a), (b), and (c) occur during a banking transaction involving a banking customer,

wherein the at least one computer is operable to wirelessly receive user biometric data read by a biometric reader of a portable phone, and further comprising:

(d) operating the at least one computer to wirelessly receive user biometric data wirelessly communicated from the portable phone during the banking transaction.

19. The at least one article according to claim 17

wherein in (a) the at least one computer wirelessly receives the electronic signature data via the Internet,

wherein in (b) the at least one computer wirelessly receives the customer account information via the Internet.

20. The at least one article according to claim 17

wherein in (a) the at least one computer wirelessly receives the electronic signature data via the at least one cellular phone network,

wherein in (b) the at least one computer wirelessly receives the customer account information via the at least one cellular phone network.