Utilization of wirelessly transferred account data and customer signature read from a data bearing record in a portable customer device during a transaction
View Patent ↗A customer's cell phone has a programmable data bearing record that includes customer account information and a scanned written signature of the customer. The customer can use the phone to read the account information and signature from the data bearing record and wirelessly transmit them to a merchant system. The merchant system can utilize the received account information to carry out a transaction responsive to validation of the received written signature.
1. A method of using data from a data bearing record to allow a purchase transaction involving a purchase of goods by a customer located at a merchant facility which both offers the goods and is associated with a merchant system operative to utilize received customer information, wherein the purchase transaction requires both a customer signature and customer account data from the customer, comprising:
(a) operating the merchant system during the transaction to wirelessly receive customer-identifying electronic signature data from a portable hand-held communication device having stored therein customer account data and the electronic signature data in a data bearing record, wherein the electronic signature data is received while the communication device is located at the merchant facility;
(b) operating the merchant system during the transaction to wirelessly receive the customer account data from the communication device while the communication device is located at the merchant facility; and
(c) operating the merchant system to cause electronic signature data received in step (a), customer account data received in step (b), and purchase data associated with the transaction to be stored in correlation.
2. The method according to claim 1 wherein the communication device comprises a phone, wherein the data bearing record comprises programmable memory in the phone, wherein the merchant facility includes the merchant system, and further comprising
(d) storing biometric data in the memory, wherein the biometric data corresponds to an authorized user of the phone;
(e) receiving from a customer, inputted biometric data;
(f) comparing the biometric data received in step (e) to the biometric data stored in step (d); and
(g) responsive to a positive comparison in step (f), recognizing the customer as an authorized user of the phone.
3. A method comprising:
(a) operating a portable hand-held communication device to cause customer-identifying electronic signature data to be stored in memory of the communication device; and
(b) operating the communication device during a financial transaction requiring a customer signature and financial account information, to cause the customer-identifying electronic signature data to be wirelessly transmitted from the communication device toward a merchant system.
4. The method according to claim 3 wherein the electronic signature data transmitted in step (b) includes data constituting a legally binding signature.
5. The method according to claim 3 wherein the electronic signature data transmitted in step (b) includes data corresponding to a customer-identifying hand-written signature, wherein step (a) includes storing data corresponding to a customer-identifying hand-written signature in the memory.
6. The method according to claim 3 and further comprising
(c) electronically reproducing a customer-identifying hand-written signature, wherein step (a) includes storing data corresponding to the customer-identifying hand-written signature electronically reproduced in step (c) in the memory.
7. The method according to claim 3 wherein a merchant facility includes the merchant system, and wherein step (b) occurs while the communication device is located at the merchant facility.
8. The method according to claim 7 wherein step (b) occurs during a purchase transaction involving a merchant and a customer.
9. The method according to claim 3 and further comprising
(c) comparing the electronic signature data to a hand-written signature during the transaction.
10. The method according to claim 9 and further comprising
(d) determining a valid signature responsive to correspondence between the hand-written signature and the electronic signature data.
11. The method according to claim 3 and further comprising
(c) storing data representative of financial account information in the memory,
(d) transmitting data representative of financial account information from the communication device to the merchant system via wireless communication during the financial transaction.
12. The method according to claim 3 wherein the communication device comprises a user card having the memory, wherein the memory comprises programmable memory, and step (a) comprises storing the electronic signature data in the programmable memory.
13. The method according to claim 12 and further comprising
(c) storing data representative of financial account information in the programmable memory.
14. The method according to claim 3 wherein the communication device comprises a cell phone having a processor and phone memory, and wherein step (a) comprises storing the electronic signature data in the phone memory.
15. The method according to claim 14 wherein the electronic signature data corresponds to a written signature, wherein the phone comprises a display screen, and further comprising
(c) displaying an output corresponding to the written signature via the display screen.
16. Apparatus comprising:
a merchant system,
wherein the merchant system is operative to carry out a financial transaction requiring a customer signature and financial account information,
wherein the merchant system is operative to wirelessly receive customer-identifying electronic signature data during the financial transaction,
a portable hand-held communication device including a memory,
wherein the memory has stored therein customer-identifying electronic signature data,
wherein the portable hand-held communication device is operative to wirelessly transmit the customer-identifying electronic signature data to the merchant system during the financial transaction.
17. The apparatus according to claim 16 wherein the memory has stored therein biometric data corresponding to an authorized user of the communication device.
18. The apparatus according to claim 16 and further comprising a merchant facility, wherein the merchant facility includes the merchant system, wherein when the communication device is located at the merchant facility a purchase transaction involving a merchant and a customer at the merchant facility is able to be carried out.
19. The apparatus according to claim 16 wherein the communication device comprises a user card having the memory, wherein the memory includes a programmable memory, and wherein the programmable memory has stored therein the electronic signature data.
20. The apparatus according to claim 16 wherein the merchant system includes a signature capture system, an electronic signature pad, and a computer system,
wherein the signature capture system is operative to receive electronic signature data from the communication device,
wherein the electronic signature pad is operative to receive a hand-written signature thereon,
wherein the computer system includes software,
wherein the software is operative to compare a hand-written signature received on the electronic signature pad and electronic signature data received from the communication device,
wherein the merchant system is operative to validate a customer signature responsive to correspondence between a hand-written signature and received electronic signature data.
21. A method comprising:
(a) storing customer-identifying electronic signature data in memory of a portable hand-held communication device, wherein the communication device is operative to wirelessly transmit the electronic signature data;
(b) initiating a purchase transaction involving a purchase of goods by a customer located at a merchant facility offering the goods, wherein the purchase transaction requires both a customer signature and customer financial account information from the customer; and
(c) wirelessly transmitting the electronic signature data from the portable hand-held communication device while the portable hand-held communication device is located at the merchant facility.
22. The method according to claim 21 and further comprising:
(d) storing customer financial account information data in the memory of the communication device, wherein the communication device is operative to wirelessly transmit the customer financial account information data;
(e) wirelessly transmitting the customer financial account information data from the portable hand-held communication device while the portable hand-held communication device is located at the merchant facility.
23. The method according to claim 22 wherein in step (b) each of a merchant, the customer, and the goods are located at the merchant facility, wherein the merchant facility includes a merchant system, wherein the merchant system is operative to wirelessly receive customer-identifying electronic signature data transmitted from the communication device, and wherein the merchant system is operative to wirelessly receive customer financial account information data transmitted from the communication device, and further comprising:
(f) wirelessly receiving the electronic signature data transmitted in step (c) at the merchant system; and
(g) wirelessly receiving the customer financial account information data transmitted in step (e) at the merchant system.