Patents Assigned to National Bancard Corporation
  • Systems and methods for operating data card terminals for transaction chargeback protection
    Patent number: 5432326
    Abstract: 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.
    Type: Grant
    Filed: June 28, 1994
    Date of Patent: July 11, 1995
    Assignee: National Bancard Corporation
    Inventors: Paul W. Noblett, Jr., Mark Brady, Peter R. Cavicchi, Kumar S. Choudhuri, Timothy W. Depew, John C. Evans, Shelley K. Friedman, James H. Hamilton, Edward G. Kligfeld, Holly B. Krahe, Thomas J. Liney, Murray A. Morton, Parameswaran B. Nair, Gregory A. Philmon, James F. Price, James T. Stills, Laura J. Turner, Diane T. Vogt
  • Data card terminal with embossed character reader and signature capture
    Patent number: 5428210
    Abstract: 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.
    Type: Grant
    Filed: January 10, 1992
    Date of Patent: June 27, 1995
    Assignee: National Bancard Corporation
    Inventors: Parameswaran B. Nair, Mark Brady, Peter R. Cavicchi, Kumar S. Choudhuri, Timothy W. Depew, John C. Evans, Shelley K. Friedman, James H. Hamilton, Edward G. Kligfeld, Holly B. Krahe, Thomas J. Liney, Murray A. Morton, Paul W. Noblett, Jr., Gregory A. Philmon, James F. Price, James T. Stills, Laura J. Turner, Diane T. Voght
  • Systems and methods for operating data card terminals for transaction authorization
    Patent number: 5386458
    Abstract: 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 primer. 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.
    Type: Grant
    Filed: November 5, 1993
    Date of Patent: January 31, 1995
    Assignee: National Bancard Corporation
    Inventors: Parameswaran B. Nair, Kumar S. Choudhuri, James H. Hamilton, Gregory A. Philmon, James T. Stills
  • Systems and methods for operating data card terminals for transaction chargeback protection
    Patent number: 5334823
    Abstract: 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.
    Type: Grant
    Filed: January 10, 1992
    Date of Patent: August 2, 1994
    Assignee: National Bancard Corporation
    Inventors: Paul W. Noblett, Jr., Mark Brady, Peter R. Cavicchi, Kumar S. Choudhuri, Timothy W. Depew, John C. Evans, Shelley K. Friedman, James H. Hamilton, Edward G. Kligfeld, Holly B. Krahe, Thomas J. Liney, Murray A. Morton, Parameswaran B. Nair, Gregory A. Philmon, James F. Price, James T. Stills, Laura J. Turner, Diane T. Vogt