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1. 发明授权

US5428210A Data card terminal with embossed character reader and signature capture 失效
标题翻译：数据卡终端，带浮雕字符阅读器和签名捕获
公开(公告)号：US5428210A
公开(公告)日：1995-06-27
申请号：US820401
申请日：1992-01-10
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. Voght
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. Voght
IPC分类号： F02B75/02 , G06Q20/04 , G06Q20/24 , G06Q20/40 , G06Q20/42 , H04M11/00 , G06K15/02 , G06K5/00
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. 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。

4. 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。

5. 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。

6. 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。

7. 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。

8. 外观设计

USD348440S Data card transaction terminal 失效
公开(公告)号：USD348440S
公开(公告)日：1994-07-05
申请号：US3500
申请日：1993-01-08
申请人： Parameswaran B. Nair , Kumar S. Choudhuri , John C. Evans , James L. Hanna , James F. Price
设计人： Parameswaran B. Nair , Kumar S. Choudhuri , John C. Evans , James L. Hanna , James F. Price

9. 外观设计

USD359951S Multireader transaction terminal 失效
公开(公告)号：USD359951S
公开(公告)日：1995-07-04
申请号：US18743
申请日：1994-02-14
申请人： Parameswaran B. Nair , Kumar S. Choudhuri , John C. Evans , James L. Hanna , James F. Price
设计人： Parameswaran B. Nair , Kumar S. Choudhuri , John C. Evans , James L. Hanna , James F. Price

10. 发明授权

US5559315A Embossed card reader 失效
标题翻译：压花读卡器
公开(公告)号：US5559315A
公开(公告)日：1996-09-24
申请号：US262622
申请日：1994-06-20
申请人： Parameswaran B. Nair , John C. Evans , James F. Price
发明人： Parameswaran B. Nair , John C. Evans , James F. Price
IPC分类号： G06K7/04
CPC分类号： G06K7/04
摘要： A low cost, compact embossed card reader for reading embossed characters on credit or debit cards and for integration into a combined magnetic character/magnetic stripe terminal. A low-profile housing forms a card path and provides a surface for mounting a removable read head. The housing includes an integrated card guide for guiding the embossed characters along a linear path adjacent the read head. The read head includes a plurality of pins mounted orthogonally to the card, and aligned so as to scan each of the embossed characters in parallel paths as the card moves relative to the read head. The pins move upwardly as they encounter an embossed character and open a normally closed switch formed by a printed circuit board and a plurality of leaf spring fingers. Improved data acquisition and decode methods for sampling the embossed character data and decoding the data to form an account number. The data acquisition method samples the embossed characters at a predetermined rate. The transitions in the data from any of the pins are detected and the raw data is stored. The raw data is filtered or debounced and remaining invalid states are deleted. The remaining data states are used to decode the characters on the card. A first valid state determines whether a second data window is a valid second expected value state. If an expected second value state does not follow a first value state, the method attempts to decode the character backward from its trailing edge.
摘要翻译：低成本，紧凑的压花读卡器，用于读取信用卡或借记卡上的浮雕字符，并集成到组合磁性字符/磁条终端中。小型外壳形成卡路径并提供用于安装可拆卸读取头的表面。壳体包括一个集成的卡片引导件，用于沿着与读取头相邻的线性路径引导压纹字符。读取头包括与卡正交地安装的多个引脚，并且被排列成当卡相对于读取头移动时以平行路径扫描每个压印字符。销钉向上移动，因为它们遇到压纹字符并打开由印刷电路板和多个板簧指形成的常闭开关。改进的数据采集和解码方法，用于对浮雕字符数据进行采样并对数据进行解码以形成一个帐号。数据采集方法以预定的速率对浮雕字符进行采样。检测来自任何引脚的数据中的转换，并存储原始数据。原始数据被过滤或去抖动，剩余的无效状态被删除。剩余的数据状态用于对卡上的字符进行解码。第一有效状态确定第二数据窗口是否是有效的第二期望值状态。如果期望的第二值状态不遵循第一值状态，则该方法尝试从其后沿向后解码该字符。

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