Patents Assigned to MicroBilt Corporation
  • Patent number: 5561282
    Abstract: A portable signature capture pad operative for gathering signature data associated with customer transactions includes a digitizer, microprocessor, and a pad cradle that facilitates a wireless data link between the portable signature capture pad and a point-of-sale (POS) terminal, such as an electronic cash register. Subsequent to receiving a ready signal from the POS terminal, the portable signature capture pad is removed, temporarily disconnecting the pad from communication with the pad cradle and thus the POS terminal. A transaction receipt is printed at the POS terminal and placed on the portable signature capture pad. The portable signature capture pad and receipt are presented to a customer for signature capture. Data signals corresponding to the customer's signature are captured by the digitizer and stored in a memory in the pad. The pad is then returned to the cradle.
    Type: Grant
    Filed: September 14, 1994
    Date of Patent: October 1, 1996
    Assignee: MicroBilt Corporation
    Inventors: James F. Price, James M. Widdel
  • Patent number: 5559315
    Abstract: A low cost, compact embossed card reader for reading embossed characters on credit or debit cards and for integration into a combined magnetic character/magnetic stripe terminal. A low-profile housing forms a card path and provides a surface for mounting a removable read head. The housing includes an integrated card guide for guiding the embossed characters along a linear path adjacent the read head. The read head includes a plurality of pins mounted orthogonally to the card, and aligned so as to scan each of the embossed characters in parallel paths as the card moves relative to the read head. The pins move upwardly as they encounter an embossed character and open a normally closed switch formed by a printed circuit board and a plurality of leaf spring fingers. Improved data acquisition and decode methods for sampling the embossed character data and decoding the data to form an account number. The data acquisition method samples the embossed characters at a predetermined rate.
    Type: Grant
    Filed: June 20, 1994
    Date of Patent: September 24, 1996
    Assignee: MicroBilt Corporation
    Inventors: Parameswaran B. Nair, John C. Evans, James F. Price
  • Patent number: 5479530
    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: June 30, 1993
    Date of Patent: December 26, 1995
    Assignee: Microbilt Corporation
    Inventors: Parameswaran B. Nair, Kumar S. Choudhuri, Murray A. Morton, Holly B. Krahe, John C. Evans, Mark Brady, Edward G. Kligfeld, Thomas J. Liney, Paul W. Noblett, Jr., Laura J. Turner, Diane T. Vogt, James F. Price
  • Patent number: 5466920
    Abstract: Real time decoding methods and apparatus for a card transaction terminal used for reading a magnetic stripe on a data card. The method is implemented in a microcomputer employed in the terminal. The data decode method for the microcomputer decodes data in real time as it is read from the magnetic stripe on the card and obviates random access memory external to the microcomputer. A memory is provided in the terminal large enough to store data characters corresponding to at least one predetermined data field on the card generated during a swipe of the card but insufficient to store all of the self clocking signals generated during the swipe. A sentinel character in the self clocking signals is first decoded. Then, a data character associated with the at least one predetermined data field is decoded in response to a predetermined number of self clocking signals generated subsequent to the sentinel character. Finally, the decoded data character is stored in the memory.
    Type: Grant
    Filed: November 8, 1991
    Date of Patent: November 14, 1995
    Assignee: MicroBilt Corporation
    Inventors: Parameswaran B. Nair, Kumar S. Choudhuri, James T. Stills, John C. Evans
  • Patent number: 5448047
    Abstract: A method of obtaining and providing card identifying information from a data card presented in connection with a financial transaction, the data card having a magnetic stripe and an embossed region containing identifying information, the method being carried out in a data card terminal. The data card terminal is operative for gathering credit card or check information required for customer transactions at a point of sale. The method comprises providing a transaction risk parameter selectively indicative of a first or second level of transaction security to be provided for the data card terminal. In response to the transaction risk parameter indicating the first level of security, verified card identifying information is provided if either the first data record region or the second data region contains valid card identifying information. In response to the transaction risk parameter indicating the second level of security, a second level security check is performed.
    Type: Grant
    Filed: June 16, 1994
    Date of Patent: September 5, 1995
    Assignee: MicroBilt Corporation
    Inventors: Parameswaran B. Nair, John C. Evans, James F. Price, Kumar S. Choudhuri, James T. Stills, Victor V. Goulding
  • Patent number: 5448044
    Abstract: A signature capture pad (or signature capture/PIN pad) operative for gathering signature data associated with customer transactions includes a digitizer, microprocessor, and a plurality of serial ports, and may be connected to a point-of-sale (POS) terminal, such as an electronic cash register. The signature capture pad provides compressed or uncompressed signature signals in response to commands received from the POS terminal. Uncompressed signature data may be used to provide a facsimile signature on a display or printer at the POS terminal, whereby the signature may be approved by the operator. A signature capture cycle is terminated upon receipt of a command from the POS terminal, or upon the expiration of an optional timer. The maximum size of the compressed signature data is selectable by the POS terminal. Compressed signature data exceeding the prescribed size may be post-processed at a lower resolution.
    Type: Grant
    Filed: April 30, 1993
    Date of Patent: September 5, 1995
    Assignee: MicroBilt Corporation
    Inventors: James F. Price, John C. Evans
  • Patent number: 5444616
    Abstract: A multi-reader terminal including a magnetic stripe reader, an embossed character reader, and a magnetic ink character recognition (MICR) check reader, in an integrated stand-alone unit. The terminal is operative for gathering credit card or check information required for customer transactions at the point of sale. The terminal provides a single card passageway for receiving a credit card having a magnetic stripe and embossed characters. The magnetic stripe reader and embossed character reader read the credit card as it travels in the passageway. The embossed character reader may be selectively retracted from the card passageway. The terminal includes a plurality of serial communications ports that allow the terminal to be connected in series between a host computer and an electronic cash register. The serial ports allow connection of a signature capture pad, a personal identification number (PIN) pad, and other serial devices.
    Type: Grant
    Filed: June 16, 1994
    Date of Patent: August 22, 1995
    Assignee: MicroBilt Corporation
    Inventors: Parameswaran B. Nair, James F. Price, Victor V. Goulding
  • Patent number: 5438186
    Abstract: A multi-reader terminal including a magnetic stripe reader, an embossed character reader, and a magnetic ink character recognition (MICR) check reader, in an integrated stand-alone unit. The terminal is operative for gathering credit card or check information required for customer transactions at the point of sale. The terminal provides a single card passageway for receiving a credit card having a magnetic stripe and embossed characters. The magnetic stripe reader and embossed character reader read the credit card as it travels in the passageway. The embossed character reader may be selectively retracted from the card passageway. The terminal includes a plurality of serial communications ports that allow the terminal to be connected in series between a host computer and an electronic cash register. The serial ports allow connection of a signature capture pad, a personal identification number (PIN) pad, and other serial devices.
    Type: Grant
    Filed: June 17, 1994
    Date of Patent: August 1, 1995
    Assignee: MicroBilt Corporation
    Inventors: Parameswaran B. Nair, John C. Evans, James F. Price, Kumar S. Choudhuri, James T. Stills, Victor V. Goulding
  • Patent number: 5432327
    Abstract: A low cost, compact embossed card reader for reading embossed characters on credit or debit cards and for integration into a combined magnetic character/magnetic stripe terminal. A low-profile housing defines a card path and provides a surface for mounting a removable read head. The housing includes an integrated card guide for guiding the embossed characters along a linear path adjacent the read head. The read head includes a plurality of pins mounted orthogonally to the card, and aligned so as to scan each of the embossed characters in parallel paths as the card moves relative to the read head. The pins move upwardly as they encounter an embossed character and open a normally-closed switch formed by a printed circuit board and a plurality of leaf spring fingers. The read head is operative to float relative to the surface of the card and relative to the embossing on the card.
    Type: Grant
    Filed: July 15, 1993
    Date of Patent: July 11, 1995
    Assignee: Microbilt Corporation
    Inventor: James F. Price
  • Patent number: 5426286
    Abstract: A low cost, easily manufacturable, and easy to use card transaction terminal for reading a magnetic stripe on a data card. A two piece case snaps securely together without screws or other fasteners. The case includes printed circuit board supports for receiving and temporarily supporting a single, double sided circuit board. The circuit board includes minimized circuit components, including a microcomputer with integral program read-only memory. An improved data read head sub-assembly facilitates assembly and provides for precise positioning of data read head and substantially parallel biasing of the read head against the magnetic stripe of a data card. Keying features ensure that the read head subassembly is mounted in the proper orientation. An integral strain relief mechanism formed in the two piece case provides strain relief for power cord without additional hardware.
    Type: Grant
    Filed: October 22, 1993
    Date of Patent: June 20, 1995
    Assignee: MicroBilt Corporation
    Inventors: Parameswaran B. Nair, Kumar S. Choudhuri, James T. Stills, John C. Evans
  • Patent number: 5404000
    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: June 18, 1993
    Date of Patent: April 4, 1995
    Assignee: MicroBilt 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. Vogt
  • Patent number: 5396545
    Abstract: A low cost, easily manufacturable, and easy to use card transaction terminal for reading a magnetic stripe on a data card. A two piece case snaps securely together without screws or other fasteners. The case includes printed circuit board supports for receiving and temporarily supporting a single, double sided circuit board. The circuit board includes minimized circuit components, including a microcomputer with integral program read-only memory. An improved data read head sub-assembly facilitates assembly and provides for precise positioning of data read head and substantially parallel biasing of the read head against the magnetic stripe of a data card. Keying features ensure that the read head subassembly is mounted in the proper orientation. An integral strain relief mechanism formed in the two piece case provides strain relief for power cord without additional hardware.
    Type: Grant
    Filed: October 22, 1993
    Date of Patent: March 7, 1995
    Assignee: Microbilt Corporation
    Inventors: Parameswaran B. Nair, Kumar S. Choudhuri, James T. Stills, John C. Evans
  • Patent number: 5369263
    Abstract: A low cost, compact embossed card reader for reading embossed characters on credit or debit cards and for integration into a combined embossed character/magnetic stripe terminal. A low-profile housing forms a card path and provides a surface for mounting a removable read head. The housing includes an integrated card guide for guiding the embossed characters along a linear path adjacent the read head. The read head includes a plurality of pins mounted orthogonally to the card, and aligned so as to scan each of the embossed characters in parallel paths as the card moves relative to the read head. The pins move upwardly as they encounter an embossed character and open a normally closed switch formed by a printed circuit board and a plurality of leaf spring fingers. Improved data acquisition and decode methods for sampling the embossed character data and decoding the data to form an account number. The data acquisition method samples the embossed characters at a predetermined rate.
    Type: Grant
    Filed: October 30, 1992
    Date of Patent: November 29, 1994
    Assignee: Microbilt Corporation
    Inventors: Parameswaran B. Nair, John C. Evans, James F. Price
  • Patent number: 5362952
    Abstract: A low cost, easily-manufacturable circuit for a data card transaction terminal for reading a magnetic stripe on a data card. The circuit comprises a single, double-sided circuit board having minimized circuit components. The printed circuit board mounts an alphanumeric liquid crystal display (LCD) to a first side of the circuit board, a single chip LCD driver circuit, a bracket for extending through mounting holes in the circuit board and holding the liquid crystal display, keypad electrical contacts formed on the first side of the circuit board, and a plurality of circuit components all affixed to the second side of the circuit board.
    Type: Grant
    Filed: October 22, 1993
    Date of Patent: November 8, 1994
    Assignee: MicroBilt Corporation
    Inventors: Parameswaran B. Nair, Kumar S. Choudhuri, James T. Stills, John C. Evans
  • Patent number: 5357563
    Abstract: A data card terminal, such as a credit card transaction terminal, is disclosed. The terminal is capable of requesting and receiving electronic authorization indicia via alternative communications links. The terminal includes first communications means for automatically connecting the terminal with a transaction processing host computer system via a first communications link, and second communications means for automatically connecting the terminal with the transaction processing host computer system via a separate second communications link if the first link fails. A third communications means automatically connects the terminal to an audio response unit (ARU) via a third communications link in response to a "call me" signal from the host computer system, or if the first and second communications links fail. Transaction data is automatically transmitted from the terminal to the ARU via DTMF signals.
    Type: Grant
    Filed: June 17, 1993
    Date of Patent: October 18, 1994
    Assignee: MicroBilt Corporation
    Inventors: James H. Hamilton, Peter R. Cavicchi, Timothy W. Depew, Shelley K. Friedman, Edward G. Kligfeld, Paul W. Noblett, Jr., Diane T. Vogt, James T. Stills, Gregory A. Philmon, Parameswaran B. Nair, Murray A. Morton
  • Patent number: D338876
    Type: Grant
    Filed: November 7, 1991
    Date of Patent: August 31, 1993
    Assignee: MicroBilt Corporation
    Inventors: Parameswaran B. Nair, Kumar S. Choudhuri, John C. Evans
  • Patent number: D348440
    Type: Grant
    Filed: January 8, 1993
    Date of Patent: July 5, 1994
    Assignee: MicroBilt Corporation
    Inventors: Parameswaran B. Nair, Kumar S. Choudhuri, John C. Evans, James L. Hanna, James F. Price
  • Patent number: D359951
    Type: Grant
    Filed: February 14, 1994
    Date of Patent: July 4, 1995
    Assignee: MicroBilt Corporation
    Inventors: Parameswaran B. Nair, Kumar S. Choudhuri, John C. Evans, James L. Hanna, James F. Price