Method and system for signature capture

• US 9,002,739 B2
• Filed: 12/07/2012
• Issued: 04/07/2015
• Est. Priority Date: 12/07/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Shin, Scott H., Shenker, Gavin, Deibert, Douglas Stephen
• Primary Examiner(s): MADAMBA, CLIFFORD B
• Application Number:
  US13/708,096
• Publication Number:
  US 20130148024A1
• Time in Patent Office: 851 Days
• Field of Search: 705/35
• US Class Current: 705/35
• CPC Class Codes: G06F 3/017 Gesture based interaction, e.g. based on a set of recognized hand gestures interaction based on gestures traced on a digitiser G06F3/04883
• CPC Class Codes: G06Q 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: H04N 21/2543 Billing , e.g. for subscription services payment schemes, architectures or protocols G06Q20/00; e-commerce G06Q30/00; arrangements for billing for the use of broadcast information or broadcast-related information H04H60/21
• CPC Class Codes: H04N 21/25875 involving end-user authentication restricting access to computer systems by authenticating users using a predetermined code G06F21/33; arrangements for secret or secure communication including means for verifying the identity or authority of a user of the system H04L9/32; networks authentication protocols H04L63/08; authentication in wireless network security H04W12/06
• CPC Class Codes: H04N 21/41265 having a remote control device for bidirectional communication between the remote control device and client device unidirectional remote control device H04N21/42204
• CPC Class Codes: H04N 21/42204 User interfaces specially adapted for controlling a client device through a remote control device; Remote control devices therefor constructive details of casings for the remote control device H01H9/0235; user interfaces for controlling a tuning device of a television receiver through a remote control H03J9/00; remote control of peripheral devices connected to a television receiver through the remote control device of the television receiver H04B1/205
• CPC Class Codes: H04N 21/42222 Additional components integrated in the remote control device, e.g. timer, speaker, sensors for detecting position, direction or movement of the remote control, microphone or battery charging device
• CPC Class Codes: H04N 21/4223 Cameras H04N23/00 takes precedence
• CPC Class Codes: H04N 21/441 Acquiring end-user identification , e.g. using personal code sent by the remote control or by inserting a card
• CPC Class Codes: H04N 21/44218 Detecting physical presence or behaviour of the user, e.g. using sensors to detect if the user is leaving the room or changes his face expression during a TV program methods or arrangements for recognising human body or animal bodies or body parts G06V40/10; methods or arrangements for acquiring or recognising human faces, facial parts, facial sketches, facial expressions G06V40/16; methods or arrangements for recognising movements or behaviour G06V40/20; arrangements for identifying users in broadcast systems H04H60/45
• CPC Class Codes: H04N 21/47 End-user applications
• CPC Class Codes: H04N 21/47805 Electronic banking banking in general G06Q30/02
• CPC Class Codes: H04N 21/47815 Electronic shopping payment schemes, payment architectures or payment protocols for electronic shopping systems G06Q20/12
• CPC Class Codes: H04N 21/6175 involving transmission via Internet broadcast-related systems characterised by the transmission system being the Internet H04H60/82
• CPC Class Codes: H04N 21/654 Transmission by server directed to the client
• CPC Class Codes: H04N 21/6582 Data stored in the client, e.g. viewing habits, hardware capabilities, credit card number arrangements where receivers interact with the broadcast H04H20/38

Abstract

Advanced internet-connected devices, such as smart TVs, can be used for conducting online transactions. Online transactions often lack an effective mechanism to prevent repudiation of the transaction. Signature data, representative of a consumer'"'"'s signature motion, may be captured by a signature capture device. The signature capture device can be the smart TV or a device associated with the smart TV (e.g., a remote controller). The signature device can also be a security token. The signature data may be processed, stored, and/or transmitted for later use. The representation of the consumer'"'"'s signature provides a non-repudiation mechanism similar in function to that of a consumer'"'"'s actual handwritten signature on a credit card or debit card receipt.

Claims

1. A method for online shopping, the method comprising:

receiving, at an internet-connected computing device of a consumer, an input from the consumer to initiate a transaction for one or more goods and/or services selected via the internet-connected computing device, the internet-connected computing device configured to be operated with a remote control device;

generating, at the internet-connected computing device, a request for approval of the transaction, the request including a transaction identifier and payment account information;

transmitting the request for approval to an issuer computer via an internet connection;

receiving, at the internet-connected computing device, a response to the request for approval of the transaction, the response indicating whether the transaction was approved or denied;

responsive to receiving a response indicating that the transaction was approved by an issuer of a payment account corresponding to the payment account information, displaying a visual prompt, on a display of the internet-connected computing device, indicating that the consumer is to confirm the transaction by performing a signature gesture in the air;

detecting a motion of the consumer by a plurality of sensors including a first sensor of the internet-connected computing device and a second sensor of the remote control device, wherein the motion of the consumer comprises the signature gesture performed in the air and the detection of the motion of the consumer is based at least in part on first data received from the first sensor and second data received from the second sensor, the first data and the second data including data characterizing the signature gesture performed in the air;

processing, by the internet-connected computing device, the detected motion to generate a graphical image of the consumer'"'"'s signature;

authenticating, by the internet-connected computing device, the remote control device with respect to signature capture based at least in part on third data from the remote control device including a cryptographic token having data configured to be verifiable with a cryptographic algorithm such that the authenticating fails unless a baseline version of the consumer'"'"'s signature was previously obtained utilizing the particular remote control device;

responsive to successfully authenticating the remote control device, inserting the graphical image of the consumer'"'"'s signature into a predetermined data field associated with a record of the transaction; and

sending, by the internet-connected computing device, a transaction confirmation message including the graphical image of the consumer'"'"'s signature to a payment processor, the issuer, or an acquirer via the internet connection.

2. The method of claim 1,

wherein the computing device is a smart television.

3. The method of claim 1,

wherein the detecting of the motion of the consumer comprises detecting the motion of the consumer'"'"'s hand.

4. The method of claim 1,

wherein the detecting of the motion of the consumer comprises detecting the motion of a remote control.

5. The method of claim 1,

wherein the graphical image of the customer'"'"'s signature corresponds to a graphical image file.

6. The method of claim 1,

wherein the payment account information is stored on the internet-connected computing device.

7. The method of claim 1,

wherein the internet-connected computing device comprises a television and the method further comprises displaying, by the television, the graphical image of the consumer'"'"'s signature.

8. The method of claim 1,

wherein the consumer is inhibited from repudiating the transaction at least in part by utilizing an image recognition module to compare the graphical image of the consumer'"'"'s signature into the predetermined data field with a previously captured baseline signature.

9. A non-transitory computer-readable storage medium having program code stored thereon, the program code including instructions that, when executed by a processor in an internet-connected computing device, cause the internet-connected computing device to execute a method comprising:

receiving, at the internet-connected computing device of a consumer, an input from the consumer to initiate a transaction for an item and/or service selected via the internet-connected computing device, the internet-connected computing device configured to be operated with a remote control device;

generating, at the internet-connected computing device, a request for approval of the transaction, the request including a transaction identifier and payment account information;

transmitting the request for approval to an issuer computer via an internet connection;

receiving, at the internet-connected computing device, a response to the request for approval of the transaction, the response indicating whether the transaction was approved or denied;

responsive to receiving a response indicating that the transaction was approved by an issuer of a payment account corresponding to the payment account information, displaying a visual prompt, on a display of the internet-connected computing device, indicating that the consumer is to confirm the transaction by performing a signature gesture in the air;

detecting a motion of the consumer by a plurality of sensors including a first sensor of the internet-connected computing device and a second sensor of the remote control device, wherein the motion of the consumer comprises the signature gesture performed in the air and the detection of the motion of the consumer is based at least in part on first data received from the first sensor and second data received from the second sensor, the first data and the second data including data characterizing the signature gesture performed in the air;

processing, by the internet-connected computing device, the detected motion to generate a graphical image of the consumer'"'"'s signature;

authenticating, by the internet-connected computing device, the remote control device with respect to signature capture based at least in part on third data from the remote control device including a cryptoaraphic token having data configured to be verifiable with a cryptoaraphic algorithm such that the authenticating fails unless a baseline version of the consumer'"'"'s signature was previously obtained utilizing the particular remote control device;

responsive to successfully authenticating the remote control device, inserting the graphical image of the consumer'"'"'s signature into a predetermined data field associated with a record of the transaction; and

sending, by the internet-connected computing device, a transaction confirmation message including the graphical image of the consumer'"'"'s signature to a payment processor, the issuer, or an acquirer via the internet connection.

10. An internet-connected computing device of a consumer, the internet-connected computing device comprising:

a processor;

a non-transitory computer-readable medium communicatively coupled with the processor facilitating, at least;

an interface configured to communicate with one or more hardware modules for capturing an image of a simulation of a consumer signature; and

a control logic coupled to the interface, the control logic being configured to, at least;

receive an input from a consumer to initiate a transaction for an item and/or service selected via an internet-connected computing device, the internet-connected computing device configured to be operated with a remote control device;

generate a request for approval of the transaction, the request including a transaction identifier and payment account information;

transmit the request for approval to an issuer computer via an internet connection;

receive a response to the request for approval of the transaction, the response indicating whether the transaction was approved or denied;

responsive to receiving a response indicating that the transaction was approved by an issuer of a payment account corresponding to the payment account information, display a visual prompt, on a display of the internet-connected computing device, indicating that the consumer is to confirm the transaction by performing a signature gesture in the air;

detect a motion of the consumer by a plurality of sensors including a first sensor of the internet-connected computing device and a second sensor of the remote control device, wherein the motion of the consumer comprises the signature gesture performed in the air and the detection of the motion of the consumer is based at least in part on first data received from the first sensor and second data received from the second sensor, the first data and the second data including data characterizing the signature gesture performed in the air;

process the detected motion to generate a graphical image of the consumer'"'"'s signature;

authenticate the remote control device with respect to signature capture based at least in part on third data from the remote control device including a cryptographic token having data configured to be verifiable with a cryptographic algorithm such that the authenticating fails unless a baseline version of the consumer'"'"'s signature was previously obtained utilizing the particular remote control device;

responsive to successfully authenticating the remote control device, insert the graphical image of the consumer'"'"'s signature into a predetermined data field associated with a record of the transaction; and

send a transaction confirmation message including the graphical image of the consumer'"'"'s signature to a payment processor, the issuer, or an acquirer via an internet connection.

11. The computing device of claim 10,

wherein the first sensor comprises a camera.

12. The computing device of claim 10,

wherein the first sensor comprises an infrared sensor.

13. The computing device of claim 10,

wherein the control logic is further configured to receive the payment account information from a server computer.

14. The computing device of claim 10,

further comprising a portable consumer device reader, wherein the control logic is further configured to:

receive the payment account information from the portable consumer device reader.

15. A system comprising:

a computing device of a consumer with a display and configured to be operated with a remote control device, wherein the computing device is utilized at least to select one or more goods and/or services for purchase using a portable consumer device associated with a payment account;

a payment application module configured to, at least;

receive an input from a consumer to initiate a transaction,

generate a request for approval of the transaction,

transmit the request for approval of the transaction,

receive a response to the request for approval of the transaction,

responsive to receiving a response indicating that the transaction was approved by an issuer of a payment account corresponding to the payment account information, display a visual prompt, on a display of the internet-connected computing device, indicating that the consumer is to confirm the transaction by performing a signature gesture in the air, and

send a transaction confirmation message including a graphical image of the consumer'"'"'s signature to a payment processor, the issuer, or an acquirer,

wherein the response indicates whether the transaction was approved or denied; and

a signature capture module configured to, at least;

detect a motion of the consumer by a plurality of sensors including a first sensor of the computing device and a second sensor of the remote control device, wherein the motion of the consumer comprises the signature Gesture performed in the air and the detection of the motion of the consumer is based at least in part on first data received from the first sensor and second data received from the second sensor, the first data and the second data including data characterizing the signature gesture performed in the air,

process the detected motion,

generate the graphical image of the consumer'"'"'s signature, and

authenticate the remote control device with respect to signature capture based at least in part on third data from the remote control device including a cryptographic token having data configured to be verifiable with a cryptographic algorithm such that the authenticating fails unless a baseline version of the consumer'"'"'s signature was previously obtained utilizing the particular remote control device,

wherein responsive to successfully authenticating the remote control device, the graphical image of the consumer'"'"'s signature is inserted into a predetermined data field associated with a record of the transaction.

16. The system of claim 15,

wherein the computing device is a smart television.

17. The system of claim 15,

wherein the image of the signature is displayed on the computing device.