WO2000075879A1 - Obtention d'une signature a l'aide d'un langage de balisage - Google Patents

Obtention d'une signature a l'aide d'un langage de balisage Download PDF

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Publication number
WO2000075879A1
WO2000075879A1 PCT/US2000/015195 US0015195W WO0075879A1 WO 2000075879 A1 WO2000075879 A1 WO 2000075879A1 US 0015195 W US0015195 W US 0015195W WO 0075879 A1 WO0075879 A1 WO 0075879A1
Authority
WO
WIPO (PCT)
Prior art keywords
display
signature
touch pad
page
displaying
Prior art date
Application number
PCT/US2000/015195
Other languages
English (en)
Inventor
J. Gregory Stout
Original Assignee
Receiptcity.Com, Inc.
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Receiptcity.Com, Inc. filed Critical Receiptcity.Com, Inc.
Publication of WO2000075879A1 publication Critical patent/WO2000075879A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F8/00—Arrangements for software engineering
    • G06F8/30—Creation or generation of source code
    • G06F8/34—Graphical or visual programming
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/35—Individual registration on entry or exit not involving the use of a pass in combination with an identity check by means of a handwritten signature
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/201—Accessories of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G5/00—Receipt-giving machines

Definitions

  • This invention relates to the capture of electronic signatures and the security of transactions. More specifically, this invention relates to the capture of electronic signatures authorizing transactions and to the storage and retrieval of such electronic signatures as proof of the transactions.
  • Electronic cash registers, no-frills card-swipe electronic- funds-transfer units and signature-capture platforms dominate the approximately eight million point-of-sale (POS) locations in the United States. At these POS locations, a consumer pays presenting cash, a check, a debit or credit card, an electronic-funds transfer card (automated-teller-machine card) or a smart card.
  • POS point-of-sale
  • the bank submits a formal transaction- dispute record on paper to the subject merchant.
  • the merchant then faxes to the bank a copy of the paper transaction receipt that the merchant maintains.
  • the delay can frustrate the customer, and the on-again, off-again nature of the transaction investigation is inefficient for the bank.
  • the method includes disposing a touch pad above and adjacent a display, then displaying a markup-language page on the display. Simultaneously with the displaying, the method collects a signature by means of the touch pad.
  • the touch pad may be disposed above and adjacent the display and extend less than the display in one of the planar dimensions of the display, while the displaying may include displaying a markup-language page (such as a HyperText Markup Language or extensible Markup Language page) on the display, reserving an area of the page for signing a signature.
  • a markup-language page such as a HyperText Markup Language or extensible Markup Language page
  • a portion of the reserved area may be under a portion of the touch pad.
  • the reserved area may co- extend with the touch pad.
  • the collecting includes signing a signature in the reserved area.
  • Figures 1A and IB illustrate first and second electronic- signature-capture systems incorporating first and second embodiments of the invention.
  • Figures 2A and 2B illustrate the overlying relationship of the touch pad of the electronic-signature-capture systems of Figures 1A and IB to their respective displays.
  • FIG. 3 illustrates the personal computer (PC) of Figure 1.
  • Figure 4 illustrates the POS TC 142 of Figure IB.
  • Figure 1A illustrates a first electronic-signature-capture system 100A incorporating one embodiment of the invention.
  • the system 100A includes a personal computer 110, a provider 120 and a communications link 130.
  • the link 130 communicatively couples the personal computer 110 and the provider 120 to each other and to any other entities connected to the link 130.
  • FIG. 3 illustrates the personal computer (PC) 110 incorporating an embodiment of the invention.
  • the PC 110 includes one or more of the following: a central processing unit (“CPU") 111, a memory 112, a user interface 113, a port 114, a communications interface 115, a co-processor 117a and an internal bus 116.
  • the bus 116 communicatively interconnects the CPU 111, memory 112, user interface 113, port 114, communications interface 115 and co-processor 117a.
  • the memory 112 includes high-speed, volatile random-access memory (RAM) 1122, as well as non-volatile memory such as read-only memory (ROM) 1121 and magnetic disk drives. Further, the memory 112 contains software 1123. The software 1123 is layered: Application software 11231 communicates with the operating system 11232, and the operating system 11232 communicates with the I/O subsystem 11233. The I/O subsystem 11233 communicates with the CPU 111, user interface 113, the communications interface 115 and the co-processor 117a by means of the communications bus 116.
  • the memory 112 may be programmed according to the methods described herein.
  • the user interface 113 may include a mouse 1131, a keyboard 1132, a display 1133, a touch pad 1134 and a touch screen 1135.
  • Figure 2A illustrates the overlying relationship of the touch pad 1134 to the display 1133. (Typically, only one of the touch pad 1134 and touch screen 1135 will exist in one user interface.)
  • a co-processor 117 may be a signature-capture sub-system.
  • the CPU 111 may be programmed to perform the functions of the coprocessor 117a. In such cases, the CPU 111 and the co-processor 117a are integral . )
  • the provider 120 may seek to sell a product, supply content or otherwise provide a service to a user of the PC 110. Indeed, the only restriction on the entity 120 is that at some point in a transaction with the PC user, it desires that the user sign his signature.
  • a “signature” herein indicates a conventional signature, initials or other personally identifying mark.
  • Signature as used herein also indicates any token of approval: initials, check marks, etc. Indeed, in one embodiment, a “signature” may include any mark that a reviewer of a document would make on a printed version of that document. More than one such mark may be captured per document.
  • Figure IB illustrates a second electronic-signature-capture system 100B incorporating an embodiment of the invention.
  • the system 100B includes a provider 140 and the communications link 130.
  • the link 130 communicatively couples the provider 140 to any other entities connected to the link 130.
  • the provider 140 includes a data center 141. a point-of-sale (POS) transaction computer (TC) 142 and a communications link 143.
  • the link 143 communicatively couples the data center 141 and the POS TC 142.
  • the data center 141 is a computer system for performing transactions of the provider 140.
  • the data center 141 may (indirectly) control the display of the POS TC 142 during such a transaction.
  • FIG 4 illustrates the POS TC 142.
  • the POS TC 142 includes one or more of the following: a central processing unit (“CPU") 411, a memory 412, a user interface 413, a port 414, a communications interface 415, a co-processor 117b and an internal bus 416.
  • the bus 416 communicatively interconnects the CPU 411, memory 412, user interface 413, port 414, communications interface 415 and co-processor 117b.
  • the POS TC 142 may be embedded or distributed.
  • the memory 412 may include RAM 4122, as well as ROM 4121. Further, the memory 412 contains software 4123. The memory 412 may be programmed according to the methods described herein.
  • the user interface 413 may include a display 4133, a touch pad 4134 and a touch screen 4135.
  • Figure 2B illustrates the overlying relationship of the touch pad 4134 to the display 4133.
  • touch pad 1134 and touch screen 1135 will exist in one user interface.
  • a markup language may instruct a capturing device (a personal computer 110 or POS device 142) when and how to capture the signature through elements in the markup language on a specific form or HTML page.
  • the entity "SIGNATURE" tells the browser or markup-language parser where it is to create an area on the screen for a customer signature.
  • the attributes "ALIGN”, “WIDTH” and “HEIGHT” indicate the alignment on the page (center, left, right) and how wide and tall the signature area should be.
  • “MAXPOINTS” indicates the maximum number of signature points to capture, thereby limiting the amount of memory necessary for a signature.
  • "TYPE” indicates how the signature is to be stored and compressed, (“std” uses no compression and standard point-to- point array for the signature, for example).
  • VAR dictates how the signature is exposed to the capturing device through a variable that can be read via a browser or internal to the capturing device.
  • the markup language may be the extensible Markup Language) (XML), HyperText Markup Language (HTML), Standard Generalized Markup Language (SGML) or other similar, entity-attribute-value markup language.
  • XML extensible Markup Language
  • HTML HyperText Markup Language
  • SGML Standard Generalized Markup Language
  • Walk-throughs of typical transactions illustrate the systems 100A, 100B in situ: A person seeks to close on a residential real -estate purchase.
  • the seller, the seller's real-estate agent, the buyer's real- estate agent, the loan-company agent and all other participants - except the buyer himself - are present in an office of the escrow agent.
  • the buyer is traveling and cannot be physically present at the escrow office, but does have access to a PC 110 connected to a link 130.
  • the buyer is under a deadline (for tax, estate or other reasons) to close the purchase.
  • the deadline will pass before the buyer returns to the locale of the purchase. Accordingly, the purchaser is extremely motivated to complete the transaction without having to travel back to the locale.
  • the seller and loan company are hesitant to complete the transaction without actual signatures of the buyer. Indeed, the state law of the locale may require contemporaneous signatures for the transaction to be valid.
  • the transaction system 100A is useful.
  • the provider 120 in this case is the loan company and any other participant seeking a signature of the buyer.
  • the loan company 120 presents its contract in a markup language to the buyer via the communications link 130 and the PC 110.
  • the electronic text for the contract that the loan company prints for its customers is the markup-language source that produces the document that the buyer sees on the display 1133 of the PC 110.
  • the buyer can now read through the loan-company contract at his leisure.
  • the PC 110 is programmed to operate much as would a web browser using a markup language, the buyer can scroll up and down through the document as through any markup- language page.
  • the buyer may initial paragraphs of the document as circumstances require. He may make changes (typically minor) and initial those changes.
  • the former initials occur in spaces foreseen by the loan company 120.
  • the loan company 120 has reserved spaces 118 in the markup-language document for these foreseeable marks.
  • the latter initials occur in places not foreseen by the company 120.
  • the signature-capture subsystem 117 captures the signature in area 118.
  • the PC tracks which area 118 a given signature was signed in.
  • the PC 110 transmits the signature (and the corresponding area information, if desired) to the provider 120 by means of the communications link 130.
  • the provider 140 is the broker:
  • the broker provides a service of equity transactions on behalf of the customer.
  • the broker agent instead directs the attention of the customer to a POS TC 142 and directs a computer-system 141 of the broker 140 to direct the POS TC 142 to display the purchase contract on its display 4133.
  • the computer-system 141 sends to the POS TC 142 a markup- language document representing the purchase contract.
  • the customer views this contract on the POS TC 142.
  • the markup- language document reproduces on the POS TC 142 as nearly as is practicable the broker's preferred printed version of the contract.

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  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Software Systems (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Controls And Circuits For Display Device (AREA)

Abstract

L'invention porte sur un procédé et un appareil de saisie d'une signature électronique à l'aide d'un langage de balisage. Dans une variante, le procédé consiste à disposer un bloc à effleurement au-dessus et à côté d'un écran, puis à présenter un langage de balisage sur ledit écran. Simultanément avec la présentation, le procédé recueille une signature à l'aide du bloc à effleurement. Plus particulièrement, le bloc à effleurement peut être placé au-dessus et à côté de l'écran et s'étendre moins que l'écran selon une dimension plane de l'écran, tandis que la présentation peut comporter une page de langage de balisage (par exemple une page en hypertexte) sur l'écran en réservant une partie de la page pour y apposer une signature. Une partie de la zone réservée peut se trouver sous une partie du bloc à effleurement, et évidemment avoir la même longueur. Dans une autre variante, la saisie consiste à apposer une signature dans la zone réservée.
PCT/US2000/015195 1999-06-04 2000-06-02 Obtention d'une signature a l'aide d'un langage de balisage WO2000075879A1 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US13757599P 1999-06-04 1999-06-04
US60/137,575 1999-06-04
US14138099P 1999-06-28 1999-06-28
US60/141,380 1999-06-28
US48088300A 2000-01-10 2000-01-10
US09/480,883 2000-01-10

Publications (1)

Publication Number Publication Date
WO2000075879A1 true WO2000075879A1 (fr) 2000-12-14

Family

ID=27385040

Family Applications (7)

Application Number Title Priority Date Filing Date
PCT/US2000/015365 WO2000079493A1 (fr) 1999-06-04 2000-06-02 Outil visuel pour dispositifs interactifs de vente
PCT/US2000/015368 WO2000075834A2 (fr) 1999-06-04 2000-06-02 Service electronique de reçus
PCT/US2000/015257 WO2000075855A2 (fr) 1999-06-04 2000-06-02 Systeme de gestion d'informations transactionnelles de consommateur accompagnant le consommateur
PCT/US2000/015363 WO2000075890A1 (fr) 1999-06-04 2000-06-02 Affichage de publicites en couleurs sur des plateformes de points de ventes ou de services (pos)
PCT/US2000/015371 WO2000075835A2 (fr) 1999-06-04 2000-06-02 Chambre forte protegee sur internet pour reçus, documents juridiques et commerce du consommateur
PCT/US2000/015369 WO2000079496A2 (fr) 1999-06-04 2000-06-02 Portail de service/point de vente (pos)
PCT/US2000/015195 WO2000075879A1 (fr) 1999-06-04 2000-06-02 Obtention d'une signature a l'aide d'un langage de balisage

Family Applications Before (6)

Application Number Title Priority Date Filing Date
PCT/US2000/015365 WO2000079493A1 (fr) 1999-06-04 2000-06-02 Outil visuel pour dispositifs interactifs de vente
PCT/US2000/015368 WO2000075834A2 (fr) 1999-06-04 2000-06-02 Service electronique de reçus
PCT/US2000/015257 WO2000075855A2 (fr) 1999-06-04 2000-06-02 Systeme de gestion d'informations transactionnelles de consommateur accompagnant le consommateur
PCT/US2000/015363 WO2000075890A1 (fr) 1999-06-04 2000-06-02 Affichage de publicites en couleurs sur des plateformes de points de ventes ou de services (pos)
PCT/US2000/015371 WO2000075835A2 (fr) 1999-06-04 2000-06-02 Chambre forte protegee sur internet pour reçus, documents juridiques et commerce du consommateur
PCT/US2000/015369 WO2000079496A2 (fr) 1999-06-04 2000-06-02 Portail de service/point de vente (pos)

Country Status (2)

Country Link
EP (1) EP1185945A2 (fr)
WO (7) WO2000079493A1 (fr)

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WO2000075855A3 (fr) 2001-06-28
WO2000075835A2 (fr) 2000-12-14
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WO2000075890A1 (fr) 2000-12-14
EP1185945A2 (fr) 2002-03-13
WO2000079493A1 (fr) 2000-12-28
WO2000079496A3 (fr) 2001-02-15
WO2000079496A2 (fr) 2000-12-28
WO2000075834A3 (fr) 2001-05-25
WO2000075855A2 (fr) 2000-12-14

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