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1. 发明授权

US5479530A Signature capturing printer and data card terminal 失效
标题翻译：签名捕获打印机和数据卡终端
公开(公告)号：US5479530A
公开(公告)日：1995-12-26
申请号：US85618
申请日：1993-06-30
申请人： Parameswaran B. Nair , Kumar S. Choudhuri , Murray A. Morton , Holly B. Krahe , John C. Evans , Mark Brady , Edward G. Kligfeld , Thomas J. Liney , Paul W. Noblett, Jr. , Laura J. Turner , Diane T. Vogt , James F. Price
发明人： Parameswaran B. Nair , Kumar S. Choudhuri , Murray A. Morton , Holly B. Krahe , John C. Evans , Mark Brady , Edward G. Kligfeld , Thomas J. Liney , Paul W. Noblett, Jr. , Laura J. Turner , Diane T. Vogt , James F. Price
IPC分类号： F02B75/02 , G06Q20/04 , G06Q20/24 , G06Q20/40 , G06Q20/42 , H04M11/00 , G06K9/00
CPC分类号： G06Q20/425 , G06Q20/04 , G06Q20/24 , G06Q20/40 , H04M11/00 , F02B2075/025
摘要： A data card terminal, such as a credit card transaction terminal, is 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 operation of the terminal, and methods for operation of transaction processor systems responsive to signals from the terminal, such as providing chargeback protected transactions and providing electronic and off-line transaction authorizations.
摘要翻译：公开了诸如信用卡交易终端的数据卡终端。终端包括具有压纹字符读取器和磁条读取器的交易终端，具有单独的签名捕获打印机。交易终端用于在卡交易期间检测数据卡的物理存在。浮雕字符读取器采用触觉成像器和模式识别来检测数据卡上的压花字符。签名捕获打印机打印由持卡人在打印机上的签名捕获窗口签名的纸质收据。签名捕获系统对与卡持有者的签名相对应的信号进行数字化和压缩。包括压缩签名信号和指示卡存在的信号的交易数据被发送到交易处理器的主计算机系统，交易处理器在某些情况下将交易保证为拒付保护。还公开了用于操作终端的方法以及响应于来自终端的信号的事务处理器系统的操作的方法，诸如提供拒付保护的交易并提供电子和离线交易授权。

2. 发明授权

US5404000A Embossed character reader for data card terminal 失效
标题翻译：浮雕字符读卡器，用于数据卡终端
公开(公告)号：US5404000A
公开(公告)日：1995-04-04
申请号：US79517
申请日：1993-06-18
申请人： Parameswaran B. Nair , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Paul W. Noblett, Jr. , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
发明人： Parameswaran B. Nair , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Paul W. Noblett, Jr. , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
IPC分类号： F02B75/02 , G06Q20/04 , G06Q20/24 , G06Q20/40 , G06Q20/42 , H04M11/00 , G06K7/00
CPC分类号： G06Q20/425 , G06Q20/04 , G06Q20/24 , G06Q20/40 , H04M11/00 , F02B2075/025
摘要： A data card terminal, such as a credit card transaction terminal, is 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 operation of the terminal, and methods for operation of transaction processor systems responsive to signals from the terminal, such as providing chargeback protected transactions and providing electronic and off-line transaction authorizations.
摘要翻译：公开了诸如信用卡交易终端的数据卡终端。终端包括具有压纹字符读取器和磁条读取器的交易终端，具有单独的签名捕获打印机。交易终端用于在卡交易期间检测数据卡的物理存在。浮雕字符读取器采用触觉成像器和模式识别来检测数据卡上的压花字符。签名捕获打印机打印由持卡人在打印机上的签名捕获窗口签名的纸质收据。签名捕获系统对与卡持有者的签名相对应的信号进行数字化和压缩。包括压缩签名信号和指示卡存在的信号的交易数据被发送到交易处理器的主计算机系统，交易处理器在某些情况下将交易保证为拒付保护。还公开了用于操作终端的方法以及响应于来自终端的信号的事务处理器系统的操作的方法，诸如提供拒付保护的交易并提供电子和离线交易授权。

3. 外观设计

USD338876S Data card transaction terminal 失效
公开(公告)号：USD338876S
公开(公告)日：1993-08-31
申请号：US788753
申请日：1991-11-07
申请人： Parameswaran B. Nair , Kumar S. Choudhuri , John C. Evans
设计人： Parameswaran B. Nair , Kumar S. Choudhuri , John C. Evans

4. 发明授权

US5444616A Financial transaction systems and methods utilizing a multi-reader transaction terminal 失效
标题翻译：使用多读卡器交易终端的金融交易系统和方法
公开(公告)号：US5444616A
公开(公告)日：1995-08-22
申请号：US261322
申请日：1994-06-16
申请人： Parameswaran B. Nair , James F. Price , Victor V. Goulding
发明人： Parameswaran B. Nair , James F. Price , Victor V. Goulding
IPC分类号： G06Q20/04 , G06Q20/20 , G06Q20/34 , G07F7/12 , G06F17/60
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/042 , G06Q20/204 , G06Q20/347 , G07F7/127
摘要： A multi-reader terminal including a magnetic stripe reader, an embossed character reader, and a magnetic ink character recognition (MICR) check reader, in an integrated stand-alone unit. The terminal is operative for gathering credit card or check information required for customer transactions at the point of sale. The terminal provides a single card passageway for receiving a credit card having a magnetic stripe and embossed characters. The magnetic stripe reader and embossed character reader read the credit card as it travels in the passageway. The embossed character reader may be selectively retracted from the card passageway. The terminal includes a plurality of serial communications ports that allow the terminal to be connected in series between a host computer and an electronic cash register. The serial ports allow connection of a signature capture pad, a personal identification number (PIN) pad, and other serial devices. The terminal is operative to intercept and respond to serial data, or to reroute serial data between any of the serial ports. The terminal is especially suitable for use in a system wherein chargeback protection is to be afforded to certain transactions in the event that information from the embossing, magnetic stripe, or MICR reader are combined with other transaction information and forwarded electronically to a transaction processor or guarantor.
摘要翻译：一种集成的独立单元中的包括磁条读取器，压纹字符读取器和磁性墨水字符识别（MICR）检查读取器的多读取器终端。该终端用于在销售点收集客户交易所需的信用卡或检查信息。终端提供单个卡通道，用于接收具有磁条和浮雕字符的信用卡。磁条阅读器和浮雕字符阅读器在通道中读取信用卡。压花字符读取器可以从卡通道中选择性地缩回。终端包括允许终端在主计算机和电子收银机之间串联连接的多个串行通信端口。串行端口允许连接签名捕获板，个人识别号码（PIN）和其他串行设备。终端可以拦截和响应串行数据，或者在任何串行端口之间重新路由串行数据。该终端特别适用于在压缩，磁条或MICR阅读器的信息与其他交易信息组合并且电子地转发到交易处理器或保证人的情况下，向某些交易提供退款保护的系统中。

5. 发明授权

US5438186A Multi-reader transaction terminal 失效
标题翻译：多读卡器交易终端
公开(公告)号：US5438186A
公开(公告)日：1995-08-01
申请号：US261745
申请日：1994-06-17
申请人： Parameswaran B. Nair , John C. Evans , James F. Price , Kumar S. Choudhuri , James T. Stills , Victor V. Goulding
发明人： Parameswaran B. Nair , John C. Evans , James F. Price , Kumar S. Choudhuri , James T. Stills , Victor V. Goulding
IPC分类号： G06Q20/04 , G06Q20/20 , G06Q20/34 , G07F7/12 , G06K7/08
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/042 , G06Q20/204 , G06Q20/347 , G07F7/127
摘要： A multi-reader terminal including a magnetic stripe reader, an embossed character reader, and a magnetic ink character recognition (MICR) check reader, in an integrated stand-alone unit. The terminal is operative for gathering credit card or check information required for customer transactions at the point of sale. The terminal provides a single card passageway for receiving a credit card having a magnetic stripe and embossed characters. The magnetic stripe reader and embossed character reader read the credit card as it travels in the passageway. The embossed character reader may be selectively retracted from the card passageway. The terminal includes a plurality of serial communications ports that allow the terminal to be connected in series between a host computer and an electronic cash register. The serial ports allow connection of a signature capture pad, a personal identification number (PIN) pad, and other serial devices. The terminal is operative to intercept and respond to serial data, or to reroute serial data between any of the serial ports. The terminal is especially suitable for use in a system wherein chargeback protection is to be afforded to certain transactions in the event that information from the embossing, magnetic stripe, or MICR reader are combined with other transaction information and forwarded electronically to a transaction processor or guarantor.
摘要翻译：一种集成的独立单元中的包括磁条读取器，压纹字符读取器和磁性墨水字符识别（MICR）检查读取器的多读取器终端。该终端用于在销售点收集客户交易所需的信用卡或检查信息。终端提供单个卡通道，用于接收具有磁条和浮雕字符的信用卡。磁条阅读器和浮雕字符阅读器在通道中读取信用卡。压花字符读取器可以从卡通道中选择性地缩回。终端包括允许终端在主计算机和电子收银机之间串联连接的多个串行通信端口。串行端口允许连接签名捕获板，个人识别号码（PIN）和其他串行设备。终端可以拦截和响应串行数据，或者在任何串行端口之间重新路由串行数据。该终端特别适用于在压缩，磁条或MICR阅读器的信息与其他交易信息组合并且电子地转发到交易处理器或保证人的情况下，向某些交易提供退款保护的系统中。

6. 发明授权

US5396545A Self configuring data card terminal 失效
标题翻译：自配数据卡终端
公开(公告)号：US5396545A
公开(公告)日：1995-03-07
申请号：US141864
申请日：1993-10-22
申请人： Parameswaran B. Nair , Kumar S. Choudhuri , James T. Stills , John C. Evans
发明人： Parameswaran B. Nair , Kumar S. Choudhuri , James T. Stills , John C. Evans
IPC分类号： G06K7/08 , H04M11/00 , H04M1/00
CPC分类号： G06K7/084
摘要： A low cost, easily manufacturable, and easy to use card transaction terminal for reading a magnetic stripe on a data card. A two piece case snaps securely together without screws or other fasteners. The case includes printed circuit board supports for receiving and temporarily supporting a single, double sided circuit board. The circuit board includes minimized circuit components, including a microcomputer with integral program read-only memory. An improved data read head sub-assembly facilitates assembly and provides for precise positioning of data read head and substantially parallel biasing of the read head against the magnetic stripe of a data card. Keying features ensure that the read head subassembly is mounted in the proper orientation. An integral strain relief mechanism formed in the two piece case provides strain relief for power cord without additional hardware. An improved data decode method for the microcomputer decodes data in real time as it is read from the magnetic stripe on the card and obviates random access memory external to the microcomputer. An adaptive method is provided for initially configuring and thereafter operating the card transaction terminal, by affixing a predetermined string of additional access characters to a host telephone number in the event that a first attempt to contact a host computer system fails.
摘要翻译：低成本，易于制造和易于使用的卡交易终端，用于读取数据卡上的磁条。一个两件式的盒子牢固地卡在一起，没有螺丝或其他紧固件。该案例包括用于接收和暂时支持单个双面电路板的印刷电路板支架。电路板包括最小化的电路组件，包括具有集成程序只读存储器的微型计算机。改进的数据读取头子组件有助于组装，并且提供数据读取头的精确定位以及读取磁头抵靠数据卡的磁条的基本上平行的偏置。键控功能确保读头组件以正确方向安装。形成在两片外壳中的整体应变消除机构为电源线提供应变消除，而无需额外的硬件。用于微型计算机的改进的数据解码方法在从卡上的磁条读取时实时地对数据进行解码，并且消除了微型计算机外部的随机存取存储器。提供了一种自适应方法，用于在首次尝试联系主计算机系统失败的情况下，通过将预定的附加访问字符串附加到主机电话号码来初始配置和此后操作卡交易终端。

7. 发明授权

US5334823A Systems and methods for operating data card terminals for transaction chargeback protection 失效
标题翻译：操作数据卡终端用于交易退款保护的系统和方法
公开(公告)号：US5334823A
公开(公告)日：1994-08-02
申请号：US819327
申请日：1992-01-10
申请人： Paul W. Noblett, Jr. , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Parameswaran B. Nair , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
发明人： Paul W. Noblett, Jr. , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Parameswaran B. Nair , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
IPC分类号： F02B75/02 , G06Q20/00 , G06F15/21
CPC分类号： G06Q20/00 , F02B2075/025
摘要： 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.
摘要翻译：公开了用于操作诸如信用卡交易终端的数据卡终端的用于为商人利益提供退款保护服务的系统和方法。终端包括具有压纹字符读取器和磁条读取器的交易终端，具有单独的签名捕获打印机。交易终端用于在卡交易期间检测数据卡的物理存在。浮雕字符读取器采用触觉成像器和模式识别来检测数据卡上的压花字符。签名捕获打印机打印由持卡人在打印机上的签名捕获窗口签名的纸质收据。签名捕获系统对与卡持有者的签名相对应的信号进行数字化和压缩。包括压缩签名信号和指示卡存在的信号的交易数据被发送到交易处理器的主计算机系统，交易处理器在某些情况下将交易保证为拒付保护。还公开了用于提供电子和离线交易授权的方法。

8. 发明授权

US5448047A Card validation method using multiple cord data regions 失效
标题翻译：使用多个线数据区的卡验证方法
公开(公告)号：US5448047A
公开(公告)日：1995-09-05
申请号：US261001
申请日：1994-06-16
申请人： Parameswaran B. Nair , John C. Evans , James F. Price , Kumar S. Choudhuri , James T. Stills , Victor V. Goulding
发明人： Parameswaran B. Nair , John C. Evans , James F. Price , Kumar S. Choudhuri , James T. Stills , Victor V. Goulding
IPC分类号： G06Q20/04 , G06Q20/20 , G06Q20/34 , G07F7/12 , G06K7/12
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/042 , G06Q20/204 , G06Q20/347 , G07F7/127
摘要： A method of obtaining and providing card identifying information from a data card presented in connection with a financial transaction, the data card having a magnetic stripe and an embossed region containing identifying information, the method being carried out in a data card terminal. The data card terminal is operative for gathering credit card or check information required for customer transactions at a point of sale. The method comprises providing a transaction risk parameter selectively indicative of a first or second level of transaction security to be provided for the data card terminal. In response to the transaction risk parameter indicating the first level of security, verified card identifying information is provided if either the first data record region or the second data region contains valid card identifying information. In response to the transaction risk parameter indicating the second level of security, a second level security check is performed. During the second level security check the first data record region is compared with the second data record region to determine if the data contained in the two regions match. If the first and second data regions match, verified card identifying information is provided. The data regions may comprise magnetic stripe data or embossed characters on the data card.
摘要翻译：一种从与金融交易相关联的数据卡获取和提供卡片识别信息的方法，该数据卡具有磁条和包含识别信息的压印区域，该方法在数据卡终端中执行。数据卡终端用于在销售点收集信用卡或检查客户交易所需的信息。该方法包括提供交易风险参数，该交易风险参数有选择地指示为数据卡终端提供的交易安全性的第一级或第二级。响应于指示第一级安全性的交易风险参数，如果第一数据记录区域或第二数据区域包含有效的卡片识别信息，则提供经过验证的卡片识别信息。响应于指示第二级安全性的交易风险参数，执行第二级安全检查。在第二级安全检查期间，将第一数据记录区域与第二数据记录区域进行比较，以确定两个区域中包含的数据是否匹配。如果第一和第二数据区域匹配，则提供经过验证的卡片识别信息。数据区域可以包括数据卡上的磁条数据或压纹字符。

9. 发明授权

US5432326A Systems and methods for operating data card terminals for transaction chargeback protection 失效
标题翻译：操作数据卡终端用于交易退款保护的系统和方法
公开(公告)号：US5432326A
公开(公告)日：1995-07-11
申请号：US267280
申请日：1994-06-28
申请人： Paul W. Noblett, Jr. , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Parameswaran B. Nair , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
发明人： Paul W. Noblett, Jr. , Mark Brady , Peter R. Cavicchi , Kumar S. Choudhuri , Timothy W. Depew , John C. Evans , Shelley K. Friedman , James H. Hamilton , Edward G. Kligfeld , Holly B. Krahe , Thomas J. Liney , Murray A. Morton , Parameswaran B. Nair , Gregory A. Philmon , James F. Price , James T. Stills , Laura J. Turner , Diane T. Vogt
IPC分类号： F02B75/02 , G06Q20/00 , G06F17/00
CPC分类号： G06Q20/00 , F02B2075/025
摘要： 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.
摘要翻译：公开了用于操作诸如信用卡交易终端的数据卡终端的用于为商人利益提供退款保护服务的系统和方法。终端包括具有压纹字符读取器和磁条读取器的交易终端，具有单独的签名捕获打印机。交易终端用于在卡交易期间检测数据卡的物理存在。浮雕字符读取器采用触觉成像器和模式识别来检测数据卡上的压花字符。签名捕获打印机打印由持卡人在打印机上的签名捕获窗口签名的纸质收据。签名捕获系统对与卡持有者的签名相对应的信号进行数字化和压缩。包括压缩签名信号和指示卡存在的信号的交易数据被发送到交易处理器的主计算机系统，交易处理器在某些情况下将交易保证为拒付保护。还公开了用于提供电子和离线交易授权的方法。

10. 发明授权

US5426286A Card transaction terminal 失效
标题翻译：卡交易终端
公开(公告)号：US5426286A
公开(公告)日：1995-06-20
申请号：US141486
申请日：1993-10-22
申请人： Parameswaran B. Nair , Kumar S. Choudhuri , James T. Stills , John C. Evans
发明人： Parameswaran B. Nair , Kumar S. Choudhuri , James T. Stills , John C. Evans
IPC分类号： G06K7/08 , G06K13/06
CPC分类号： G06K7/084
摘要： A low cost, easily manufacturable, and easy to use card transaction terminal for reading a magnetic stripe on a data card. A two piece case snaps securely together without screws or other fasteners. The case includes printed circuit board supports for receiving and temporarily supporting a single, double sided circuit board. The circuit board includes minimized circuit components, including a microcomputer with integral program read-only memory. An improved data read head sub-assembly facilitates assembly and provides for precise positioning of data read head and substantially parallel biasing of the read head against the magnetic stripe of a data card. Keying features ensure that the read head subassembly is mounted in the proper orientation. An integral strain relief mechanism formed in the two piece case provides strain relief for power cord without additional hardware. An improved data decode method for the microcomputer decodes data in real time as it is read from the magnetic stripe on the card and obviates random access memory external to the microcomputer. An adaptive method is provided for initially configuring and thereafter operating the card transaction terminal, by affixing a predetermined string of additional access characters to a host telephone number in the event that a first attempt to contact a host computer system fails.
摘要翻译：低成本，易于制造和易于使用的卡交易终端，用于读取数据卡上的磁条。一个两件式的盒子牢固地卡在一起，没有螺丝或其他紧固件。该案例包括用于接收和临时支持单个双面电路板的印刷电路板支架。电路板包括最小化的电路组件，包括具有集成程序只读存储器的微计算机。改进的数据读头子组件有助于组装，并且提供数据读取头的精确定位以及读取头与数据卡的磁条的基本上平行的偏置。键控功能确保读头组件以正确的方向安装。形成在两片外壳中的整体应变消除机构为电源线提供应变消除，而无需额外的硬件。用于微型计算机的改进的数据解码方法在从卡上的磁条读取时实时地对数据进行解码，并且消除了微型计算机外部的随机存取存储器。提供了一种自适应方法，用于在首次尝试联系主计算机系统失败的情况下，通过将预定的附加访问字符串附加到主机电话号码来初始配置和此后操作卡交易终端。

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