METHODS, SYSTEMS, AND ARTICLES OF MANUFACTURE FOR FINGERPRINTING SIGNATURES AND ENHANCED SIGNATURE CAPTURING FOR CHARGE CARD TRANSACTIONS ON MOBILE COMMUNICATION DEVICES

摘要

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.

主权项

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 a charge card transaction and transaction information, the transaction information comprising a signature of a cardholder of the charge card; the mobile communication device capturing one or more representations for the signature; and the mobile communication device transforming the one or more representations and at least some of the transaction information into a data entry by using a transform.