Method of transmitting electronic signature during a financial transaction

• US 8,632,001 B1
• Filed: 12/28/2012
• Issued: 01/21/2014
• 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: Motz, Ray, Hill, Jeff, Modi, Ashok, Ramachandran, Natarajan, Steinbach, Klaus A.
• Primary Examiner(s): Frech, Karl D
• Application Number:
  US13/729,734
• Time in Patent Office: 389 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. A method comprising:

(a) operating at least one customer data receiving device during a financial transaction requiring customer signature and customer account information, to wirelessly receive customer-identifying electronic signature data provided by a customer through a portable wireless communication device during the financial transaction,

wherein the at least one customer data receiving device is capable of wirelessly receiving only customer-identifying electronic signature data that is wirelessly communicated from within a limited specific distance from the at least one customer data receiving device;

(b) operating the at least one customer data receiving device during the financial transaction to wirelessly receive customer account information provided by the customer through the portable wireless communication device during the financial transaction,

wherein the at least one customer data receiving device is capable of wirelessly receiving only customer account information that is wirelessly communicated from within the limited specific distance; and

(c) operating the at least one customer data receiving device to cause the customer-identifying electronic signature data received in (a) and the customer account information received in (b) to be used in the financial transaction.

2. The method according to claim 1

wherein the portable wireless communication device includes a biometric reader operable 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 wireless communication device,

wherein the portable wireless communication device is operable to compare read user biometric data to the stored biometric data in authorizing usage of the portable wireless communication device,

wherein the portable wireless communication device is operable to carry out a transaction that involves transfer of value from a financial account that corresponds to the customer account information,

and further comprising:

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

(e) operating the portable wireless communication device to compare the user biometric data read in (d) to the stored biometric data in authorizing usage of the portable wireless communication device to carry out the financial transaction.

3. The method according to claim 1 wherein the at least one customer data receiving device includes at least one computer, and wherein (c) includes operating the at least one computer to cause the customer-identifying electronic signature data and the customer account information to be used in the financial transaction.

4. The method according to claim 3 wherein the at least one computer comprises a banking system computer,

wherein (b) includes operating the banking system computer to receive the customer account information during a banking transaction involving a banking customer.

5. The method according to claim 3 wherein the at least one computer comprises a merchant store computer,

wherein (b) includes operating the merchant store computer to receive the customer account information during a purchase transaction involving a merchant store and a store customer.

6. The method according to claim 1 wherein the portable wireless communication device comprises a wireless phone, and wherein (a) includes operating the at least one customer data receiving device to wirelessly receive the customer-identifying electronic signature data from the wireless phone.

7. The method according to claim 1

wherein (a) includes operating the at least one customer data receiving device to wirelessly receive from the portable wireless communication device, wireless Internet communication that includes the customer-identifying electronic signature data, and

wherein (b) includes operating the at least one customer data receiving device to wirelessly receive from the portable wireless communication device, wireless Internet communication that includes the customer account information.

8. A method comprising:

(a) operating at least one customer data receiving device during a financial transaction requiring customer signature and customer account information, to wirelessly receive customer-identifying electronic signature data provided by a customer through a portable wireless communication device,

wherein the at least one customer data receiving device is capable of wirelessly receiving only customer-identifying electronic signature data that is wirelessly communicated from within a limited specific distance from the at least one customer data receiving device;

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

(c) operating the at least one customer data receiving device to cause the customer-identifying electronic signature data received in (a) and the customer account information received in (b) to be used in the financial transaction.

9. The method according to claim 8 wherein the at least one customer data receiving device is operable to wirelessly receive user biometric data from the portable wireless communication device, and further comprising:

(d) operating the at least one customer data receiving device to wirelessly receive user biometric data wirelessly communicated from the portable wireless communication device during the financial transaction.

10. The method according to claim 8 wherein a banking system includes the at least one customer data receiving device, wherein the at least one customer data receiving device comprises at least one computer,

wherein (b) includes operating the at least one customer data receiving device to receive the customer account information during a banking transaction involving a banking customer,

wherein (c) includes operating the at least one computer to cause the customer-identifying electronic signature data and the customer account information to be used in the banking transaction.

11. The method according to claim 8 wherein a merchant store includes the at least one customer data receiving device, wherein the at least one customer data receiving device comprises at least one computer,

wherein (b) includes operating the at least one customer data receiving device to receive the customer account information during a purchase transaction involving a customer at the merchant store,

wherein (c) includes operating the at least one computer to cause the customer-identifying electronic signature data and the customer account information to be used in the purchase transaction.

12. The method according to claim 8 wherein the portable wireless communication device comprises a wireless phone, and wherein (a) includes operating the at least one customer data receiving device to wirelessly receive the customer-identifying electronic signature data from the wireless phone.

13. The method according to claim 12 wherein the wireless phone comprises a smart phone, and wherein (a) includes operating the at least one customer data receiving device to wirelessly receive the customer-identifying electronic signature data from the smart phone.

14. The method according to claim 8

wherein (a) includes operating the at least one customer data receiving device to wirelessly receive from the portable wireless communication device, wireless Internet communication that includes the customer-identifying electronic signature data, and

wherein (b) includes operating the at least one customer data receiving device to wirelessly receive from the portable wireless communication device, wireless Internet communication that includes the customer account information.

15. A method comprising:

(a) operating at least one customer data receiving device during a financial transaction requiring customer signature and customer account information, to wirelessly receive customer account information provided by a customer through a portable wireless communication device,

wherein the at least one customer data receiving device is capable of wirelessly receiving only customer account information that is wirelessly communicated from within a limited specific distance from the at least one customer data receiving device;

(b) operating the at least one customer data receiving device during the financial transaction to receive customer-identifying electronic signature data wirelessly communicated during the financial transaction from the portable wireless communication device; and

(c) operating the at least one customer data receiving device to cause the customer account information received in (a) and the customer-identifying electronic signature data received in (b) to be used in the financial transaction.

16. The method according to claim 15 wherein the at least one customer data receiving device is operable to wirelessly receive user biometric data from the portable wireless communication device, and further comprising:

(d) operating the at least one customer data receiving device to wirelessly receive user biometric data wirelessly communicated from the portable wireless communication device during the financial transaction.

17. The method according to claim 15 wherein a banking system includes the at least one customer data receiving device, wherein the at least one customer data receiving device comprises at least one computer,

wherein (a) includes operating the at least one customer data receiving device to receive the customer account information during a banking transaction involving a banking customer,

wherein (c) includes operating the at least one computer to cause the customer-identifying electronic signature data and the customer account information to be used in the banking transaction.

18. The method according to claim 15 wherein a merchant store includes the at least one customer data receiving device, wherein the at least one customer data receiving device comprises at least one computer,

wherein (a) includes operating the at least one customer data receiving device to receive the customer account information during a purchase transaction involving a customer at the merchant store,

wherein (c) includes operating the at least one computer to cause the customer-identifying electronic signature data and the customer account information to be used in the purchase transaction.

19. The method according to claim 15 wherein the portable wireless communication device comprises a wireless phone, and wherein (b) includes operating the at least one customer data receiving device to wirelessly receive the customer-identifying electronic signature data from the wireless phone.

20. The method according to claim 15

wherein (a) includes operating the at least one customer data receiving device to wirelessly receive from the portable wireless communication device, wireless Internet communication that includes the customer account information, and

wherein (b) includes operating the at least one customer data receiving device to wirelessly receive from the portable wireless communication device, wireless Internet communication that includes the customer-identifying electronic signature data.