# 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

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- Number: US 10,504,117 B2
- Document ID: US10504117B2
- Status: Granted
- Kind: B2
- Application number: 14/306,151
- Filed: 2014-06-16
- Published: 2015-12-17
- Granted: 2019-12-10
- Earliest claimed: 2014-06-16
- Assignees: Intuit Inc.
- Applicants: Intuit Inc.
- Inventors: Sergey Kolupaev; Sergey Aldoukhov; Eugene O. Bochkarev; Alexander V. Chumikov; Timofey Beschastnov
- Web page: https://patentgrep.com/patent/US10504117B2

## CPC

- G06Q 20/40145: {Biometric identity checks}
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06V 10/17: {using hand-held instruments}
- G06V 10/26: Segmentation of patterns in the image field; Cutting or merging of image elements to establish the pattern region, e.g. clustering-based techniques; Detection of occlusion
- G06V 40/376: {Acquisition}
- G06V 40/388: {Sampling; Contour coding; Stroke extraction}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING

## 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.

## Claims

### Claim 1

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.

### Claim 2 (depends on 1)

The machine implemented method of claim 1, further comprising performing, at a remote server, one or more operations on the fingerprint and one or more other fingerprint having the fixed length or on the transaction, wherein the one or more representations of the signature comprise a bytestream of coordinate data along one or more strokes of the signature, and the one or more operations comprising at least one classification operation, fraud detection operation, or dispute resolution operation, or one or more combinations thereof.

### Claim 3 (depends on 1)

The machine implemented method of claim 1, further comprising the mobile communication device:
identifying a first stroke of the signature;
identifying or determining beginning coordinates of a beginning point of the first stroke;
identifying or determining a first waypoint of the first stroke; and
identifying or determining first waypoint coordinates of the first waypoint.

### Claim 4 (depends on 1)

The machine implemented method of claim 1, further comprising the mobile communication device:
segmenting the signature into a plurality of strokes including a first stroke; and
identifying or determining coordinates of a start point of the first stroke and coordinates of a first waypoint of the first stroke.

### Claim 5 (depends on 3)

The machine implemented method of claim 3, the mobile communication device identifying or determining the first waypoint further comprising the mobile communication device:
identifying or determining a first temporal interval;
identifying or determining a beginning time point for the beginning point; and
identifying or determining the first waypoint along the first stroke after the first temporal interval from the beginning time point.

### Claim 6 (depends on 3)

The machine implemented method of claim 3, the mobile communication device identifying or determining the first waypoint further comprising the mobile communication device:
examining a curvature or linearity of the first stroke; and
identifying or determining the first waypoint along the first stroke based at least in part upon the curvature, the linearity, or a change in the curvature or linearity of the first stroke.

### Claim 7 (depends on 1)

The machine implemented method of claim 1, further comprising the mobile
communication device normalizing the signature that is entered on an electronic visual display of the mobile communication device.

### Claim 8 (depends on 7)

The machine implemented method of claim 7, the mobile communication device normalizing the signature further comprising the mobile communication device:
assigning a coordinate system including an origin for the signature; and
assigning a unit of measurement to at least one of a horizontal axis and a vertical axis for the signature.

### Claim 9 (depends on 7)

The machine implemented method of claim 7, the mobile communication device normalizing the signature further comprising the mobile communication device:
determining a bounding box for the signature or for a signature field;
determining a scaling factor by using the bounding box and a predetermined size or dimension for the bounding box; and
normalizing the signature by applying the scaling factor to the one or more representations of the signature.

### Claim 10 (depends on 1)

The machine implemented method of claim 1, further comprising the mobile communication device:
executing a hash function with inputs comprising the one or more representations of the signature and at least some of the transaction information; and
generating a fixed length fingerprint of the signature for the fingerprint of the signature, wherein the first transformation comprises a temporal signature acquisition process that converts the signature received at the touch screen into at least one of the one or more representations based on a temporal sequence.

### Claim 11 (depends on 1)

The machine implemented method of claim 1, further comprising the mobile communication device transmitting the one or more representations of the signature, the at least some of the transaction information, and the fingerprint of the signature to a remote computing system, the remote computing system storing the one or more representations of the signature, the at least some of the transaction information, and the fingerprint of the signature in a non-transitory machine readable medium for the charge card transaction.

### Claim 12 (depends on 11)

The machine implemented method of claim 11, further comprising the remote computing system:
receiving a request for dispute resolution for the charge card transaction;
retrieving the one or more representations of the signature and the at least some of the transaction information for the charge card transaction stored in the non-transitory machine readable medium; and
retrieving the fingerprint of the signature stored in the non-transitory machine readable medium for the charge card transaction.

### Claim 13 (depends on 12)

The machine implemented method of claim 12, further comprising the remote computing system:
generating a first fingerprint of the signature by transforming the one or more representations of the signature and the at least some of the transaction information by using the at least one second transformation, wherein the at least one second transformation-is also used to transform the one or more representations and at least some of the transaction information into the fingerprint of the signature;
comparing the first fingerprint of the signature with the fingerprint of the signature stored in the non-transitory machine readable medium; and
responding to or resolving the request for dispute resolution based at least in part upon comparison results.

### Claim 14 (depends on 1)

The machine implemented method of claim 1, further comprising
the mobile communication device transmitting the one or more representations of the signature, the at least some of the transaction information, and the fingerprint of the signature to a remote computing system; and
the remote computing system determining whether a first charge card transaction and the charge card transaction are to be classified into a same category or a different category.

### Claim 15 (depends on 14)

The machine implemented method of claim 14, the remote computing system determining whether a first charge card transaction and the charge card transaction are to be classified into a same category or a different category further comprising the remote computing system:
identifying one or more first representations of a first signature for the first charge card transaction;
examining the one or more first representations of the first signature and the one or more representations of the signature; and
determining whether the one or more first representations of the first signature exactly or approximately match the one or more representations of the signature.

### Claim 16 (depends on 14)

The machine implemented method of claim 14, the remote computing system determining whether a first charge card transaction and the charge card transaction are to be classified into a same category or a different category further comprising the remote computing system:
identifying one or more first representations of a first signature for the first charge card transaction;
reconstructing the first signature by using at least the one or more first representations of the first signature for the first charge card transaction;
reconstructing the signature by using at least the one or more representations of the signature for the charge card transaction;
examining the first signature and the signature; and
determining whether the first signature exactly or approximately matches the signature.

### Claim 17 (depends on 14)

The machine implemented method of claim 14, the remote computing system determining whether a first charge card transaction and the charge card transaction are to be classified into a same category or a different category further comprising the remote computing system
identifying one or more first representations of a first signature for the first charge card transaction;
identifying or determining a first expression for the one or more first representations of the first signature for the first charge card transaction;
identifying or determining an expression for the one or more representations of the signature for the charge card transaction, wherein the first expression includes a first mathematical expression, and the expression includes a second mathematical expression; and
determining whether the first expression exactly or approximately matches the expression.

### Claim 18

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.

### Claim 19 (depends on 18)

The system of claim 18, the one or more representations captured for the signature comprising a bytestream of coordinate data along one or more strokes of the signature.

### Claim 20 (depends on 18)

The system of claim 18, the mobile communication device being further configured or operable to: identify or determine a first stroke of the signature; identify or determine beginning coordinates of a beginning point of the first stroke; identify or determine a first waypoint for the first stroke; and identify first waypoint coordinates for the first waypoint.

### Claim 21 (depends on 18)

The system of claim 18, the mobile communication device being further configured or operable to: execute a hash function with one or more inputs comprising the one or more representations of the signature and at least some of the transaction information; and generate a fixed length fingerprint of the signature for the fingerprint of the signature, wherein the first transformation comprises a temporal signature acquisition process that converts the signature received at the touch screen into at least one of the one or more representations based on a temporal sequence.

### Claim 22 (depends on 18)

The system of claim 18, the mobile communication device being further configured or operable to transmit the one or more representations of the signature, the at least some of the transaction information, and the fingerprint of the signature to a remote computing system; determine whether a first charge card transaction and the charge card transaction are to be classified into a same category or a different category; identify one or more first representations of a first signature for the first charge card transaction; examine the one or more first representations of the first signature and the one or more representations of the signature; and determine whether the one or more first representations of the first signature exactly or approximately match the one or more representations of the signature.

### Claim 23

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.

### Claim 24 (depends on 23)

The computer program product of claim 23, wherein the one or more representations captured for the signature comprise a bytestream of coordinate data along one or more strokes of the signature.

### Claim 25 (depends on 23)

The computer program product of claim 23, the process further comprising:
identifying or determining a first stroke of the signature;
identifying or determining beginning coordinates of a beginning point of the first stroke;
identifying or determining a first waypoint for the first stroke; and
identifying or determining first waypoint coordinates for the first waypoint.

### Claim 26 (depends on 23)

The computer program product of claim 23, the process further comprising:
executing a hash function with one or more inputs comprising the one or more representations of the signature and at least some of the transaction information;
generating a fixed length fingerprint of the signature for the fingerprint of the signature, wherein the first transformation comprises a temporal signature acquisition process that converts the signature received at the touch screen into at least one of the one or more representations based on a temporal sequence.

### Claim 27 (depends on 23)

The computer program product of claim 23, the non-transitory machine readable storage medium having further stored thereupon a first sequence of instructions which, when executed by a remote computing system, causes the remote computing system to perform a first process, the first process comprising:
receiving the one or more representations of the signature at a remote computing system, the at least some of the transaction information, and the fingerprint of the signature to a remote computing system;
the remote computing system storing the one or more representations of the signature, the at least some of the transaction information, and the fingerprint of the signature in a non-transitory machine readable medium for the charge card transaction;
the remote computing system identifying a request for dispute resolution for the charge card transaction;
the remote computing system retrieving the one or more representations of the signature and the at least some of the transaction information for the charge card transaction stored in the non-transitory machine readable medium;
the remote computing system retrieving the fingerprint of the signature stored in the non-transitory machine readable medium for the charge card transaction;
the remote computing system generating a first fingerprint of the signature by transforming the one or more representations of the signature and the at least some of the transaction information by using the at least one second transformation, wherein
the at least one second transformation is also used to transform the one or more representations and at least some of the transaction information into the fingerprint of the signature;
the remote computing system comparing the first fingerprint of the signature with the fingerprint of the signature stored in the non-transitory machine readable medium; and
the remote computing system responding to or resolving the request for dispute resolution based at least in part upon comparison results.