Registers – Systems controlled by data bearing records – Credit or identification card systems
Patent
1992-01-10
1994-08-02
Shepperd, John
Registers
Systems controlled by data bearing records
Credit or identification card systems
235437, G06F 1521
Patent
active
053348230
ABSTRACT:
Systems and methods for operating a data card terminal, such as a credit card transaction terminal, for providing chargeback protection services for the benefit of merchants are disclosed. The terminal includes a transaction terminal comprising an embossed character reader and magnetic stripe reader, with a separate signature capture printer. The transaction terminal is operative for detecting the physical presence of a data card during a card transaction. The embossed character reader employs a tactile imager and pattern recognition for detecting the embossed characters on the data card. A signature capturing printer prints a paper receipt, which is signed by a cardholder at a signature capturing window on the printer. A signature capturing system digitizes and compresses signals corresponding to the signature of the card holder. Transaction data including compressed signature signals and signals indicative of the presence of the card are transmitted to the host computer system of a transaction processor, who guarantees the transaction as chargeback-protected under certain circumstances. Also disclosed are methods for providing electronic and off-line transaction authorizations.
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Brady Mark
Cavicchi Peter R.
Choudhuri Kumar S.
Depew Timothy W.
Evans John C.
National Bancard Corporation
Shepperd John
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