Apparatus and method of transmitting transaction signature

摘要

A transaction apparatus ( 10 ) includes a multifunction card ( 12 ) and a portable terminal ( 14 ). The multifunction card includes a programmable memory ( 18 ). The programmable memory on the card is used to store indicia corresponding to account data from a plurality of conventional magnetic stripe cards. The programmable memory further includes signature data representative of user-identifying signature. The signature data can comprise a scanned user-identifying written signature. A user is enabled to operate the apparatus to select one of the accounts stored in memory. The user is also enabled to use the apparatus to transmit the signature data via wireless communication during a transaction. The transmitted signature data can be compared to an actual user signature written on an electronic signature pad for a determination of correspondence.