| 摘要 |
Advanced internet-connected devices, such as smart TVs, can be used for conducting online transactions. Online transactions often lack an effective mechanism to prevent repudiation of the transaction. Signature data, representative of a consumer's signature motion, may be captured by a signature capture device. The signature capture device can be the smart TV or a device associated with the smart TV (e.g., a remote controller). The signature device can also be a security token. The signature data may be processed, stored, and/or transmitted for later use. The representation of the consumer's signature provides a non-repudiation mechanism similar in function to that of a consumer's actual handwritten signature on a credit card or debit card receipt. |
| 主权项 |
1. A method for online shopping, the method comprising:
receiving, at an internet-connected computing device of a consumer, an input from the consumer to initiate a transaction for one or more goods and/or services selected via the internet-connected computing device, the internet-connected computing device configured to be operated with a remote control device; generating, at the internet-connected computing device, a request for approval of the transaction, the request including a transaction identifier and payment account information; transmitting the request for approval to an issuer computer via an internet connection; receiving, at the internet-connected computing device, a response to the request for approval of the transaction, the response indicating whether the transaction was approved or denied; responsive to receiving a response indicating that the transaction was approved by an issuer of a payment account corresponding to the payment account information, displaying a visual prompt, on a display of the internet-connected computing device, indicating that the consumer is to confirm the transaction by performing a signature gesture in the air; detecting a motion of the consumer by a plurality of sensors including a first sensor of the internet-connected computing device and a second sensor of the remote control device, wherein the motion of the consumer comprises the signature gesture performed in the air and the detection of the motion of the consumer is based at least in part on first data received from the first sensor and second data received from the second sensor, the first data and the second data including data characterizing the signature gesture performed in the air; processing, by the internet-connected computing device, the detected motion to generate a graphical image of the consumer's signature; authenticating, by the internet-connected computing device, the remote control device with respect to signature capture based at least in part on third data from the remote control device including a cryptographic token having data configured to be verifiable with a cryptographic algorithm such that the authenticating fails unless a baseline version of the consumer's signature was previously obtained utilizing the particular remote control device; responsive to successfully authenticating the remote control device, inserting the graphical image of the consumer's signature into a predetermined data field associated with a record of the transaction; and sending, by the internet-connected computing device, a transaction confirmation message including the graphical image of the consumer's signature to a payment processor, the issuer, or an acquirer via the internet connection. |
