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EP0474360A2 Expired / Lapsed EP ⏱️ 0.0 years remaining

A system for validating the authenticity of a transaction employing electronic receipts

Assignee: Visa International Service Association
•
Filing: 1991-08-01
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Granted: —
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Expires: 2011-08-01
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Abstract

Abstract A digitized code signal representative of the signature of the purchaser is generated at the point of sale by the transaction terminal (36). This code signal along with the parameters of the transaction are stored (52) electronically. In the event that the customer questions the transaction, the financial institution (26) associated with the merchant (34) can generate a hard copy receipt which includes the parameters of the transaction as well as a representation of the signature of the purchaser. This hard copy receipt is then sent to the customer for validating the transaction. This eliminates the need to generate, transfer and store hard copy receipts unless they are specifically requested. At sale, transaction parameters are entered into an electronic cash register (38). A module (40) displays transaction data on a CRT (42). The module (40) may have a slot (46) for reading a magnetic stripe transaction card (22). Signature is effected with a light pen (44).

Inventors

  • 👤 Joseph P. Francini
  • 👤 Einar L. Asbo

Bibliographic Details

Application Number —
Jurisdiction EP
Data Source google_patents
Last Synchronized 2026-10-25 21:01
CPC Classifications
G; G07; G07G; G07G1/00; G07G1/0036; G07C; G07C9/00; G07C9/20; G07C9/22; G07C9/24; G07C9/247; G07G1/12

Claims Analysis

Total Claims: 13
Claim 1
Independent Claim 89 words
A method for validating the authenticity of a transaction comprising the steps of: generating a digitized code signal at the time of the transaction, said code signal being based on data supplied by the purchaser and uniquely identifying that purchaser; storing said digitized code signal along with the digitized parameters of the transaction; and generating a receipt in human readable format, said receipt including the parameters of the transaction and a representation of the data uniquely identifying the purchaser to permit the authenticity of the transaction to be validated.
Claim 2
Dependent Claim 44 words
A method as recited in claim 1 further including the step of transmitting the stored digitized code signal along with the digitized parameters of the transaction to a central processor for storage until such time as a request to generate a receipt is made.
Claim 3
Dependent Claim 17 words
A method as recited in claim 1 wherein said data uniquely identifying the purchaser is a signature.
Claim 4
Dependent Claim 15 words
A method as recited in claim 1 wherein said receipt is a hard copy receipt.
Claim 5
Independent Claim 84 words
A system for validating the authenticity of a transaction comprising: terminal means for recording the parameters of the transaction, said terminal means also for recording a digitized code signal based on data supplied by the purchaser and uniquely identifying that purchaser; and means connectable to said terminal means for generating a receipt in human readable format, said receipt including the parameters of the transaction and a representation of the data uniquely identifying the purchaser to permit the authenticity of the transaction to be validated.
Claim 6
Dependent Claim 17 words
A system as recited in claim 5 wherein said data uniquely identifying the purchaser is a signature.
Claim 7
Dependent Claim 15 words
A system as recited in claim 5 wherein said receipt is a hard copy receipt.
Claim 8
Dependent Claim 88 words
A terminal for use in a system for validating the authenticity of a transaction comprising: means for recording the parameters of the transaction; and means for recording a digitized code signal based on data supplied by the purchaser and uniquely identifying that purchaser so that a receipt can be generated at a later time, said receipt being in human readable format and including the parameters of the transaction and a representation of the data uniquely identifying the purchaser to permit the authenticity of the transaction to be validated.
Claim 9
Dependent Claim 25 words
A terminal as recited in claim 8 wherein said terminal further includes a means for displaying the transaction parameters at the time of the transaction.
Claim 10
Dependent Claim 17 words
A terminal as recited in claim 8 wherein said data uniquely identifying the purchaser is a signature.
Claim 11
Dependent Claim 25 words
A terminal as recited in claim 8 wherein said means for recording the digitized code signals includes a CRT in combination with a light pen.
Claim 12
Dependent Claim 21 words
A terminal as recited in claim 8 wherein a human readable receipt is also generated at the time of the transaction.
Claim 13
Dependent Claim 15 words
A terminal as recited in claim 8 wherein said receipt is a hard copy receipt.

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