US 10,504,117 B2 · Methods, systems, and articles of manufacture for fingerprinting signatures and enhanced signature capturing for charge card transactions on mobile communication devices

Abstract

A method and a system for fingerprinting signatures and enhanced signature capturing for charge card transactions on mobile communication devices identify and transform a signature into a normalized representation such as a bytestream including coordinate data and combine the normalized representation with some transaction information into combined data. The combined data is further transformed into fixed length data stored for further analyses or uses. Upon the receipt of a dispute, the stored representation(s) of the signature and some of the stored transaction information of the transaction in dispute may be transformed into a first fixed length data. The first fixed length data may be further compared with the stored fixed length data obtained at the time of the transaction to resolve the dispute. The representations of signatures of multiple transactions may be used to determine whether these multiple transactions belong to the same category or to different categories.

Claims27

Dependent claims

A machine implemented method for capturing and processing electronic signatures for a card transaction executed using a mobile communication device, the method being performed by at least the mobile communication device and comprising:

the mobile communication device identifying, at a touch screen and a charge card reader included in or operatively coupled to the mobile communication device, a charge card transaction and transaction information, the transaction information comprising product or service information related to a transaction between a user and an entity and a signature of the user of the charge card;
the mobile communication device executing a first transformation of the signature into one or more representations of the signature;
the mobile communication device reducing computational complexities of analyzing the signature at least by executing at least one second transformation of a combination of the one or more representations and at least some of the transaction information into a fingerprint having a fixed length;
and
transmitting the one or more representations and the at least some of the transaction information from the mobile communication device to a remote server for storage in a repository via a computer network.

2 more elements

A system for capturing and processing electronic signatures for a card transaction, the system comprising:

a mobile communication device comprising a processor and configured or operable to execute a sequence of instructions to identify, at a touch screen and a charge card reader included in or operatively coupled to the mobile communication device, a charge card transaction and transaction information, the transaction information comprising product or service information related to a transaction between a user and an entity and a signature of the user of the charge card;
execute a first transformation of the signature into one or more representations of the signature;
reduce computational complexities of analyzing the signature at least by executing a second transformation of a combination of the one or more representations and at least some of the transaction information into a fingerprint having a fixed length;
and transmit the one or more representations and the at least some of the transaction information from the mobile communication device to a remote server for storage in a repository via a computer network.

1 more element

A computer program product comprising a non-transitory machine readable storage medium having stored thereupon a sequence of instructions which, when executed by a mobile communication device, causes the mobile communication device to perform a process for capturing and processing electronic signatures for a card transaction the process being performed by at least the mobile communication device and comprising:

identifying, at a touch screen and a charge card reader included in or operatively coupled to a mobile communication device, a charge card transaction and transaction information, the transaction information comprising product or service information related to a transaction between a user and an entity and a signature of the user of the charge card;
executing a first transformation of the signature into one or more representations for the signature;
and reducing computational complexities of analyzing the signature at least by executing a second transformation of a combination of the one or more representations and at least some of the transaction information into a fingerprint having a fixed length;
and transmitting the one or more representations and the at least some of the transaction information from the mobile communication device to a remote server for storage in a repository via a computer network.

1 more element

Dependencies are inferred from the claim text.

Methods, systems, and articles of manufacture for fingerprinting signatures and enhanced signature capturing for charge card transactions on mobile communication devices

Life of this patent

Methods, systems, and articles of manufacture for fingerprinting signatures and enhanced signature capturing for charge card transactions on mobile communication devices

Life of this patent

Abstract

Claims27