National Bancard Corporation

Microbilt Corporation

Peter R Cavicchi

Parameswaran B Nair

James T Stills

James H Hamilton

Paul W Noblett, Jr

Edward G Kligfeld

Murray A Morton

Gregory A Philmon

Shelley K Friedman

Timothy W Depew

James F Price

John C Evans

Kumar S Choudhuri

Diane T Vogt

Laura J Turner

Thomas J Liney

Mark Brady

Holly B Krahe

Diane T Voght

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.

Systems and methods for operating data card terminals for transaction

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.

Data card terminal with embossed character reader and signature capture

Embossed character reader for data card terminal

A data card terminal, such as a credit card transaction terminal, is disclosed. The terminal is capable of requesting and receiving electronic authorization indicia via alternative communications links. The terminal includes first communications means for automatically connecting the terminal with a transaction processing host computer system via a first communications link, and second communications means for automatically connecting the terminal with the transaction processing host computer system via a separate second communications link if the first link fails. A third communications means automatically connects the terminal to an audio response unit (ARU) via a third communications link in response to a 'call me' signal from the host computer system, or if the first and second communications links fail. Transaction data is automatically transmitted from the terminal to the ARU via DTMF signals. The terminal includes means for receiving manual entry of audible authorization indicia received from the ARU, and means for verifying manually entered authorization indicia.

Data card terminal for receiving authorizations from remote locations

Growing community of inventors

N. Babylon, NY, United States of America

Peter R Cavicchi