EP0474360A2 - Un système pour la validation de l'authenticité d'une transaction, faisant usage de reçus électroniques - Google Patents
Un système pour la validation de l'authenticité d'une transaction, faisant usage de reçus électroniques Download PDFInfo
- Publication number
- EP0474360A2 EP0474360A2 EP91307072A EP91307072A EP0474360A2 EP 0474360 A2 EP0474360 A2 EP 0474360A2 EP 91307072 A EP91307072 A EP 91307072A EP 91307072 A EP91307072 A EP 91307072A EP 0474360 A2 EP0474360 A2 EP 0474360A2
- Authority
- EP
- European Patent Office
- Prior art keywords
- transaction
- receipt
- purchaser
- parameters
- terminal
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
Images
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/0036—Checkout procedures
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/20—Individual registration on entry or exit involving the use of a pass
- G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
- G07C9/24—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature
- G07C9/247—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature electronically, e.g. by comparing signal of hand-writing with a reference signal from the pass
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
Definitions
- the subject invention relates to a system for authenticating transactions.
- the subject invention is suitable for use with transaction card systems which heretofore have required hard copy receipts to authenticate transactions.
- transaction cards are used as the preferred form of payment in a large number of transactions for the purchase of goods and services.
- the customer presents the card at the point of purchase.
- the merchant will then take some steps to determine if the card if valid. If the merchant decides to accept the card, the transaction can be completed.
- This receipt also includes various parameters identifying the transaction. These parameters typically include the account number of the card, expiration date, an identification of the merchant, the date, an approval code and the amount of the transaction.
- the hard copy receipt is actually a composite of two to four essentially identical copies. After the customer has signed the receipt, he is usually given one of the copies. The customer saves this receipt for his records. One or more copies are retained by the merchant. Another copy of the receipt is sent to the financial institution associated with the merchant and responsible for generating the information that will ultimately result in a debit to the account of the customer.
- financial institutions generally save all the receipts from all transactions until payment is received. However, after the information from the receipts is used to bill the clients, they are not accessed again unless a dispute as to the authenticity of the transaction arises. More particularly, if a customer questions a bill for a particular transaction, he will contact the financial institution which issued his card. The latter institution will start an inquiry which includes the financial institution associated with the merchant identified on the customer's bill. The merchant's financial institution will then track down the receipt and prepare a copy for transmittal to the purchaser. Assuming the transaction was valid, the signature on the receipt is usually sufficient evidence to convince the customer that the purchase was made and that he is liable for the amount of the bill.
- PIN personal identification number
- the requirement of supplying a PIN adds an additional level of security for the transaction.
- the response by the financial institution is limited to a statement to the customer that his PIN was used at the point of sale. No actual proof can be given to the customer which supports this statement.
- proof could be given a purchaser is much more willing to accept physical evidence of his signature as proof that he is liable for a transaction.
- the subject invention provides a method and system for validating the authenticity of a transaction.
- the system includes a terminal located at the point of sale for capturing the parameters of the transaction.
- the terminal is like prior art terminals including electronic cash registers and other state of the art point of sale systems.
- the terminal is also provided with a means for electronically capturing data, supplied by the purchaser, and uniquely identifying that purchaser.
- data is a digital representation of a signature.
- methods which can be used to generate a digital representation of a signature. For example, various digitizing pads and/or pens having pressure activated transducers have been used to record the digital signature information.
- the digitized signature is created using a combination of a CRT and light pen.
- the latter combination has been used to record signatures in the prior art. (See, U.S. Patent No. 4,656,662, issued April 7, 1987). Although not clearly stated in the patent, it appears that the latter system was designed to generate a plurality of reference signatures for a customer base of a financial institution. These reference signatures could be accessed by the financial institution to identify a customer's signature, for example, when clearing a check. This approach would enable a financial institution to do away with signature cards.
- the digitized signature and the parameters of the transaction are stored in the terminal. All the data can then be transmitted from the terminal to the processor at the financial institution associated with the merchant (typically referred to as the acquirer). The acquirer will store this data until the payment for the transaction has been received. However, if the purchaser requests verification of the transaction, this data can be retrieved and a hard copy thereof can be generated. A variety of devices are available for converting the electronic data into a hard copy receipt. This hard copy receipt can then be supplied to the customer to validate the transaction and induce payment for the purchase.
- Figure 1 is a schematic diagram of a typical transaction card network in which the subject invention can be implemented.
- Figure 2 is a perspective view, partially in schematic, of a terminal for use in the system of the subject invention.
- FIG 1 there is illustrated a schematic diagram of a typical transaction card network 10.
- the network includes a plurality of financial institutions 20 that issue transaction cards 22 to customers.
- the network also includes a number of merchants 34 where the customer can purchase goods and services by using the payment card 22.
- Each merchant is associated with its own financial institution known as the acquirer 26.
- the issuers and the acquirers are tied together into the network via a central processor 28 maintained by the network operator (ie. such as Visa or Mastercard).
- the network operator ie. such as Visa or Mastercard
- the customer will present his card for a purchase.
- the merchant 34 will determine if the card is authentic through one of a number of approaches. For example, an authorization request can be generated and routed through the network to the issuer for approval. Additional information about authenticating cards can be found in U.S. Patent No. 4,734,564, issued March 29, 1988. (It should be noted that in some transactions, the issuer and the acquirer are the same financial institution. In this case, intervention by the network operator is unnecessary.)
- the purchase can be completed.
- the customer is typically asked to sign a hard copy receipt. At least one of these copies is eventually delivered to the acquirer.
- the information on this receipt is used by the acquirer to begin the billing process.
- the receipt is merely catalogued and stored. In the latter case, information about the transaction will have been supplied to the acquirer from the merchant in an electronic format.
- the acquirer Once the acquirer has received the parameters of the transaction, they can be routed through the central processor 28 to the appropriate issuer. The issuer 20 then bills the cardholder.
- the cardholder If the cardholder disputes a bill on his statement, he will contact the issuer 20. The issuer will then initiate a request for information from the acquirer. The acquirer will then provide a hard copy of the receipt, with the cardholder's signature to confirm the transaction.
- the creation, storage and retrieval of the purchase receipt is substantially simplified. More particularly, the terminal at the merchant is provided with a means for creating a digitized code signal consisting of a representation of the signature of the cardholder. This code signal, along with the parameters of the transaction, is then transmitted electronically to the acquirer. The acquirer stores this data until an inquiry is initiated by the cardholder. If such an inquiry is made, the acquirer can then generate a hard copy receipt which is supplied to the cardholder to authenticate the transaction.
- Figure 2 illustrates one type of terminal 36 which can be used to implement the subject invention.
- the terminal 36 can include a standard electronic cash register 38.
- This type of cash register has the capability of receiving inputs defining the date and amount of the transaction. This information can be stored in a digital fashion.
- a means is connected to the cash register 38 capable of creating a digitized version of the signature of the cardholder.
- the cash register 38 capable of creating a digitized version of the signature of the cardholder.
- the means is defined by a microprocessor driven module 40 including a CRT display 42 and a light pen 44.
- the module can also be provided with a means for reading the magnetic stripe on the transaction card (shown as a slot 46 in Figure 2).
- the merchant can enter the transaction parameters into the cash register 38.
- the merchant will then swipe the magnetic stripe of the transaction card through slot 46 so that card identifying data can be read.
- This card identifying data can be transmitted through the network to obtain an authorization.
- the authorization can include a confirmation that the card has not been reported as lost or stolen.
- the parameters of the transaction will be displayed on the CRT display 42. As shown in figure 2, these parameters can include the merchant name, date of the transaction, transaction amount, cardholder's name, and transaction number. The customer is then given a chance to review the displayed information for accuracy. If the data is dorrect, the customer will then "sign" the display using the light pen 44.
- the light pen includes a photodetector which is excited by the electron beam of the CRT.
- the current generated by the photodetector within the pen is correlated with the timing and position of the electron beam of the CRT to give positional information.
- the positional information is stored and supplied to the cash register 38.
- the unit can be programmed to display the signature as the user writes it on the CRT.
- the cash register can be used to generate a receipt, either with or without a facsimile of the signature. In this manner, the customer will have his own record of the transaction.
- the electronic digital data which includes the transaction parameters and the signature information, can either be stored at the merchant location or transmitted to the acquirer.
- the acquirer can use this data to initiate the steps necessary to cause the issuer to bill the purchaser.
- the acquirer will store this information until the payment has been received.
- a request for confirmation will be sent by the issuer to the acquirer.
- the processor 50 operated by the acquirer will retrieve the data,concerning the transaction from electronic storage 52 ( Figure 1).
- the digital data can then be converted into human readable form, preferably, a hard copy receipt.
- This receipt will include all the transaction parameters including a representation of the customer's signature.
- the hard copy receipt Once the hard copy receipt has been generated, it can be sent to the customer to validate the transaction. Once the customer is presented with the receipt having his signature, most disputes can be resolved. As can be appreciated, the customer can be provided with a confirming hard copy receipt even if a hard copy receipt was never generated at the point of sale. In this manner, the problems of transfer, cataloguing and storage of such receipts is eliminated.
- the identifying indicia need not be limited to the signature of the customer as any written code would suffice.
- the system could also be used to store and retrieve a PIN entry, providing proof to the customer that the valid PIN was entered.
- the human readable rendition of the receipt would not necessarily have to be a hard copy.
- the requested information could be electronically retrieved and used to generate a human readable image on a CRT screen where the customer is located. As long as the customer can review the information, the transaction can be validated.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US57515990A | 1990-08-29 | 1990-08-29 | |
US575159 | 1990-08-29 |
Publications (2)
Publication Number | Publication Date |
---|---|
EP0474360A2 true EP0474360A2 (fr) | 1992-03-11 |
EP0474360A3 EP0474360A3 (en) | 1993-07-07 |
Family
ID=24299187
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP19910307072 Withdrawn EP0474360A3 (en) | 1990-08-29 | 1991-08-01 | A system for validating the authenticity of a transaction employing electronic receipts |
Country Status (4)
Country | Link |
---|---|
EP (1) | EP0474360A3 (fr) |
JP (1) | JPH04256198A (fr) |
AU (1) | AU8253391A (fr) |
CA (1) | CA2048332A1 (fr) |
Cited By (17)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0632415A1 (fr) * | 1993-07-01 | 1995-01-04 | NCR International, Inc. | Appareil pour transactions avec documents |
WO1995012843A2 (fr) * | 1993-11-05 | 1995-05-11 | Feltscope Limited | Interface interactive programmable pour des interrupteurs a touches d'un affichage a cristaux liquides a legendes modifiables |
US5557518A (en) * | 1994-04-28 | 1996-09-17 | Citibank, N.A. | Trusted agents for open electronic commerce |
US5671280A (en) * | 1995-08-30 | 1997-09-23 | Citibank, N.A. | System and method for commercial payments using trusted agents |
US5745886A (en) * | 1995-06-07 | 1998-04-28 | Citibank, N.A. | Trusted agents for open distribution of electronic money |
US6088797A (en) * | 1994-04-28 | 2000-07-11 | Rosen; Sholom S. | Tamper-proof electronic processing device |
GB2372961A (en) * | 2001-01-06 | 2002-09-11 | Richard Gerald Enston | Card security system |
DE10122506A1 (de) * | 2001-05-10 | 2002-11-14 | Giesecke & Devrient Gmbh | Zahlungsbeleg und Zahlungsbelegsystem |
US6487540B1 (en) * | 2000-07-25 | 2002-11-26 | In2M Corporation | Methods and systems for electronic receipt transmission and management |
WO2002023316A3 (fr) * | 2000-09-15 | 2003-02-27 | Electronic Business Publishing | Dispositif et procede permettant l'acquisition d'informations et la production d'un document signe |
US6898598B2 (en) | 2001-08-09 | 2005-05-24 | International Business Machines Corporation | Smart receipt |
US6996546B1 (en) * | 2001-09-28 | 2006-02-07 | Neopost Inc. | System and methods for digital receipts |
US7028187B1 (en) | 1991-11-15 | 2006-04-11 | Citibank, N.A. | Electronic transaction apparatus for electronic commerce |
US7356477B1 (en) | 2000-09-01 | 2008-04-08 | Symbol Technologies, Inc. | Frames-based advertising service with response and activity reporting |
US7392396B2 (en) | 2002-03-07 | 2008-06-24 | Symbol Technologies, Inc. | Transaction device with noise signal encryption |
US7407095B1 (en) | 2000-07-31 | 2008-08-05 | Symbol Technologies, Inc. | IPOS transaction terminal |
US9558496B2 (en) | 2013-04-29 | 2017-01-31 | Globalfoundries Inc. | Accessing transaction documents |
Families Citing this family (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
AU659448B2 (en) * | 1991-04-09 | 1995-05-18 | Frank Victor Haymann | Preventing unauthorised use of a credit card |
AU2001283489B2 (en) * | 2000-07-10 | 2006-01-19 | Mastercard International Incorporated | Method and system for conducting secure electronic commerce transactions with authorization request data loop-back |
JP4530576B2 (ja) * | 2001-05-11 | 2010-08-25 | トッパン・フォームズ株式会社 | 電子ドキュメントにおけるインデックスファイル作成システム及びインデックスファイル作成方法 |
Citations (10)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE2312984A1 (de) * | 1972-03-24 | 1973-09-27 | Gao Ges Automation Org | Verfahren zur automatischen ausstellung eines beleges |
US4064389A (en) * | 1976-06-23 | 1977-12-20 | Rca Corporation | System and method for authenticating an electronically transmitted document |
DE2759196A1 (de) * | 1977-07-18 | 1979-02-01 | Transaction Management Inc | Bearbeitungsstation |
GB2073661A (en) * | 1980-04-11 | 1981-10-21 | Transaction Technology Inc | Apparatus and method for personalizing checks |
WO1982003485A1 (fr) * | 1981-04-02 | 1982-10-14 | Ncr Co | Terminal d'emission de cheques et procede d'emission de cheques a partir de ce terminal |
EP0156509A1 (fr) * | 1984-02-24 | 1985-10-02 | The De La Rue Company Plc | Vérification de signes graphiques |
US4656662A (en) * | 1983-07-18 | 1987-04-07 | Ncr Corporation | Personal identification method and apparatus |
US4843220A (en) * | 1987-03-13 | 1989-06-27 | American Magnetics Corporation | Automatic data capture for multiple form point of sale slip packs |
WO1991010207A1 (fr) * | 1990-01-04 | 1991-07-11 | Teknekron Communications Systems, Inc. | Procede et appareil de traitement electronique d'une operation commerciale a l'aide d'une signature humaine |
EP0473358A2 (fr) * | 1990-08-30 | 1992-03-04 | NCR International, Inc. | Système de traitement pour des transactions-clients |
-
1991
- 1991-08-01 EP EP19910307072 patent/EP0474360A3/en not_active Withdrawn
- 1991-08-01 CA CA002048332A patent/CA2048332A1/fr not_active Abandoned
- 1991-08-16 AU AU82533/91A patent/AU8253391A/en not_active Abandoned
- 1991-08-29 JP JP3244727A patent/JPH04256198A/ja active Pending
Patent Citations (10)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE2312984A1 (de) * | 1972-03-24 | 1973-09-27 | Gao Ges Automation Org | Verfahren zur automatischen ausstellung eines beleges |
US4064389A (en) * | 1976-06-23 | 1977-12-20 | Rca Corporation | System and method for authenticating an electronically transmitted document |
DE2759196A1 (de) * | 1977-07-18 | 1979-02-01 | Transaction Management Inc | Bearbeitungsstation |
GB2073661A (en) * | 1980-04-11 | 1981-10-21 | Transaction Technology Inc | Apparatus and method for personalizing checks |
WO1982003485A1 (fr) * | 1981-04-02 | 1982-10-14 | Ncr Co | Terminal d'emission de cheques et procede d'emission de cheques a partir de ce terminal |
US4656662A (en) * | 1983-07-18 | 1987-04-07 | Ncr Corporation | Personal identification method and apparatus |
EP0156509A1 (fr) * | 1984-02-24 | 1985-10-02 | The De La Rue Company Plc | Vérification de signes graphiques |
US4843220A (en) * | 1987-03-13 | 1989-06-27 | American Magnetics Corporation | Automatic data capture for multiple form point of sale slip packs |
WO1991010207A1 (fr) * | 1990-01-04 | 1991-07-11 | Teknekron Communications Systems, Inc. | Procede et appareil de traitement electronique d'une operation commerciale a l'aide d'une signature humaine |
EP0473358A2 (fr) * | 1990-08-30 | 1992-03-04 | NCR International, Inc. | Système de traitement pour des transactions-clients |
Non-Patent Citations (1)
Title |
---|
IBM TECHNICAL DISCLOSURE BULLETIN vol. 31, no. 7, December 1988, NEW YORK, US pages 441 - 442 'PERSONAL IDENTIFICATION TERMINAL' * |
Cited By (29)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7028187B1 (en) | 1991-11-15 | 2006-04-11 | Citibank, N.A. | Electronic transaction apparatus for electronic commerce |
EP0632415A1 (fr) * | 1993-07-01 | 1995-01-04 | NCR International, Inc. | Appareil pour transactions avec documents |
US5751842A (en) * | 1993-07-01 | 1998-05-12 | Ncr Corporation | Document transaction apparatus |
WO1995012843A2 (fr) * | 1993-11-05 | 1995-05-11 | Feltscope Limited | Interface interactive programmable pour des interrupteurs a touches d'un affichage a cristaux liquides a legendes modifiables |
WO1995012843A3 (fr) * | 1993-11-05 | 1995-08-17 | Feltscope Ltd | Interface interactive programmable pour des interrupteurs a touches d'un affichage a cristaux liquides a legendes modifiables |
US5703949A (en) * | 1994-04-28 | 1997-12-30 | Citibank, N.A. | Method for establishing secure communications among processing devices |
US5557518A (en) * | 1994-04-28 | 1996-09-17 | Citibank, N.A. | Trusted agents for open electronic commerce |
US5642419A (en) * | 1994-04-28 | 1997-06-24 | Citibank N.A. | Method for acquiring and revalidating an electronic credential |
US7478239B1 (en) | 1994-04-28 | 2009-01-13 | Citibank, N.A. | Electronic ticket vending system |
US5621797A (en) * | 1994-04-28 | 1997-04-15 | Citibank, N.A. | Electronic ticket presentation and transfer method |
US5878139A (en) * | 1994-04-28 | 1999-03-02 | Citibank, N.A. | Method for electronic merchandise dispute resolution |
US6088797A (en) * | 1994-04-28 | 2000-07-11 | Rosen; Sholom S. | Tamper-proof electronic processing device |
US6175921B1 (en) | 1994-04-28 | 2001-01-16 | Citibank, N.A. | Tamper-proof devices for unique identification |
US6336095B1 (en) | 1994-04-28 | 2002-01-01 | Citibank, N.A. | Method for electronic merchandise dispute resolution |
US5745886A (en) * | 1995-06-07 | 1998-04-28 | Citibank, N.A. | Trusted agents for open distribution of electronic money |
US5671280A (en) * | 1995-08-30 | 1997-09-23 | Citibank, N.A. | System and method for commercial payments using trusted agents |
US6487540B1 (en) * | 2000-07-25 | 2002-11-26 | In2M Corporation | Methods and systems for electronic receipt transmission and management |
US7866553B2 (en) | 2000-07-31 | 2011-01-11 | Symbol Technologies, Inc. | IPOS transaction terminal |
US7407095B1 (en) | 2000-07-31 | 2008-08-05 | Symbol Technologies, Inc. | IPOS transaction terminal |
US7734475B2 (en) | 2000-09-01 | 2010-06-08 | Symbol Technologies, Inc. | Frames-based advertising service with response and activity reporting |
US7356477B1 (en) | 2000-09-01 | 2008-04-08 | Symbol Technologies, Inc. | Frames-based advertising service with response and activity reporting |
WO2002023316A3 (fr) * | 2000-09-15 | 2003-02-27 | Electronic Business Publishing | Dispositif et procede permettant l'acquisition d'informations et la production d'un document signe |
GB2372961B (en) * | 2001-01-06 | 2004-09-01 | Richard Gerald Enston | Automated teller machine card security system |
GB2372961A (en) * | 2001-01-06 | 2002-09-11 | Richard Gerald Enston | Card security system |
DE10122506A1 (de) * | 2001-05-10 | 2002-11-14 | Giesecke & Devrient Gmbh | Zahlungsbeleg und Zahlungsbelegsystem |
US6898598B2 (en) | 2001-08-09 | 2005-05-24 | International Business Machines Corporation | Smart receipt |
US6996546B1 (en) * | 2001-09-28 | 2006-02-07 | Neopost Inc. | System and methods for digital receipts |
US7392396B2 (en) | 2002-03-07 | 2008-06-24 | Symbol Technologies, Inc. | Transaction device with noise signal encryption |
US9558496B2 (en) | 2013-04-29 | 2017-01-31 | Globalfoundries Inc. | Accessing transaction documents |
Also Published As
Publication number | Publication date |
---|---|
JPH04256198A (ja) | 1992-09-10 |
CA2048332A1 (fr) | 1992-03-01 |
AU8253391A (en) | 1992-03-12 |
EP0474360A3 (en) | 1993-07-07 |
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