Wireless transfer of account data and signature from...

Details Wireless transfer of account data and signature from... Wireless transfer of account data and signature from...

2008-03-18

2008-03-18

Frech, Karl D (Department: 2876)

Registers

Systems controlled by data bearing records

Banking systems

C235S380000

Reexamination Certificate

active

11714606

ABSTRACT:
A customer phone has a programmable memory which includes checking account data. The memory also includes electronic signature data representative of a user-identifying written signature. A merchant transaction system includes a checkout terminal which can receive the checking account data and the electronic written signature from the phone via wireless communication. The merchant transaction system also includes an electronic check template. The check template includes software that can use the checking account data and electronic signature data to generate an electronic check as payment for a purchase. The check template can include the current date, the purchase amount, and the merchant as payee in the generated check.

REFERENCES:
patent: 5677955 (1997-10-01), Doggett et al.
patent: 2001/0018660 (2001-08-01), Sehr

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