Abstract: This invention relates to an enhanced transaction approval system for processing transactions in which a deposit is tendered for the purchase of goods and services. Specifically, the credit authorization system for a deposit transaction permits the exclusion of card information on the purchase deposit slip, provides for the inclusion of a delivery by date on the purchase deposit slip, and utilizes a transaction number that both identifies the deposit transaction and represents an approval number.

Abstract: An integrated circuit card includes packaged semiconductor devices mounted on a substrate. The integrated circuit card also includes a housing bonded by sheet adhesives to the semiconductor devices or substrate. The housing includes top and bottom metal covers and may include spacers positioned between the sheet adhesives and semiconductor devices or substrate.

Abstract: A touch screen apparatus with tactile feedback is disclosed. Tactile information, such as Braille or other symbolic representations, is integrally connected to an area on the touch screen surface. This tactile information can be molded into the touch screen surface as part of its initial manufacturing process, or can be added later by making the tactile information our of epoxy or or by placing a plastic film containing the tactile information over the touch screen surface. The touch screen display can be part of a desktop or laptop computer, can be part of a computer system in a public information kiosk or automated teller machine application, or can be included as an information panel in stereo equipment, transportation equipment, etc.

Abstract: A credit card includes an integral magnifying lens positioned in the non-data area on the credit card for permitting magnification of the credit card transaction form at the point-of-sale. The placement of the lens assures that the machine readability of the magnetic encoding strip and the embossed indicia associated with the card is not impaired. The magnifying lens incorporates a fresnel-type contour lens mounted in a window provided in the credit card base.

Abstract: An integrated circuit card includes a processing controller, a non-volatile memory having plural files in a hierarchical structure, with each file having an access conditions controller relating to the level number of said hierarchical structure, and a RAM having plural key information fields corresponding to the level numbers. Each access condition controller has an access key box designation table which indicates which keys should be verified and a vertical matching condition settings table which indicates which level keys should be collected for verification.

Abstract: An automatic electronically triggered scanner includes photo sensing apparatus for reading bar code data and for decoding the bar code data and then ascertaining whether the bar code data is valid. Following the reading and decoding of a valid bar code, the further decoding of bar code data by the scanner is inhibited until a predetermined condition is met to ensure that the bar code just read (which provided valid data) is not re-read. For the predetermined condition to be met the scanner must sense the absence of potentially valid bar code data for a preset interval following the decoding of each set of valid data. Subseqent to the preset interval during which only invalid data is present the scanner is placed in a condition to process valid data.

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.

Abstract: A portable semiconductor data storage apparatus includes a memory for storing data, a plurality of input/output signal lines connected to the memory, the input/output signal lines being connected to a terminal machine when the data storage apparatus is inserted into the terminal machine, a removal detection circuit for generating a removal signal before disconnection of the input/output signal lines from the terminal machine when the data storage apparatus is removed from the terminal machine, and an access inhibition circuit for maintaining access to the memory until a read or write cycle during which the removal signal is generated by the removal detection means ends and for inhibiting access to the memory beginning from the next read or write cycle after the removal signal was generated.

Abstract: There is disclosed a non-contact apparatus and method for reading a surface that has information encoded in a relief pattern thereon. The apparatus comprises an optical transmitter for projecting a line of light onto the relief pattern at a first angle to a normal of the surface; an optical receiver that views the projected line of light at a second angle to the normal of the surface and produces a signal that is representative of an image of the reflection thereon. The image viewed by the receiver has parallactic displacements of the line of illumination that occur transitions between raised and recessed portions of the relief pattern. The displacements are detected by a pattern detector which is coupled to the optical receiver and submitted to a decoder. The optical receiver can be realized as a plurality of light sensors arranged in a linear, or a two dimensional array, together with suitable focusing optics.

Abstract: A self-service system, such as an automated teller machine (ATM) system, uses predictive technology. When a user begins a transaction by inserting an identification card into a card reader of an ATM, the predictive technology predicts which service or services provided by the system the user is likely to request. This prediction is based upon a stored record in the system, representing previous transactions by that user. The prediction is made in advance of completion of an authorization process for the transaction, to increase the speed of operation of the ATM in carrying out the transaction. For example, to reduce overall transaction time, the ATM can count out a predicted amount of cash in advance of an anticipated withdrawal request. Also, the prediction is used to generate a special display for a particular user, the display being designed to simplify the decisions and selections required to be made by the user.

Abstract: A self-service automated teller system includes a fraud detection module which uses a biometric recognition technique, such as voice or fingerprint recognition, in combination with predictive technology. The biometric recognition test is normally decisive, but if this test produces a result which is close to a predetermined threshold, the predictive technology checks to determine whether the transaction is consistent with the user's normal behavior before permitting the transaction to proceed. A suspicion count may also be included in the decision-making process, to determine whether or not the user has a previous record of suspicious transactions.

Abstract: A device for reading indicia on a target in which the indicia has regions of differing light reflectivity. The device directs a light beam toward the indicia, and collects reflected light from the indicia. The focus of the light beam is varied to enable the device to read indicia at different working distances, and the maximum scanning angle of the light beam is varied in operative correlation with the focus.

Abstract: A bar code reader decodes a bar code symbol in a pixel image by transforming the data corresponding to the symbol along a first scan line, where the transformation comprises rotation and stretching. The reader generates a composite vector and a count vector from the transformed data. The reader then transforms (by rotating and stretching) another set of data corresponding to the symbol along a second scan line. The reader updates the composite and count vectors using the second set of transformed data. The reader then generates a one-dimensional composite signal from the composite and count vectors. The reader decodes the symbol by decoding the composite signal.

Abstract: A price verification method for retail stores using shelf pricing, and apparatus therefor, in which the shelf labels are provided with an extended bar code having the item number and price of the item. A remote unit scans the item number and price, and uses the item number to look up the item in a database which is identical to the store checkout scanner database, and compares the shelf price to the database price. If they are not the same, a new shelf label may be printed immediately. The method and apparatus described herein are easily adapted to allow government inspections of stores for shelf price accuracy. A further embodiment of the invention provides for a portable totalizer with which a shopper can total purchases as they are selected, enabling the shopper to check the scanner at the checkout register.

Abstract: An electronic stylus, for use with a computer having a digitizer, has a light emitter for emitting light to illuminate optically encoded information. A photodetector senses light reflected from the illuminated optically encoded information and produced an electrical signal representative of the optically encoded information. Stylus electronics provide positional input data by contacting a digitizer tablet with the stylus. The stylus housing contains the light emitter, photodetector and stylus electronics. A tip at a fore end of the housing is adapted for contact with the digitizer tablet and the light is emitted from other than the fore end of the housing.

Abstract: A laser scanning head in which the range of the beam waist is varied independently of any measurement of the actual range of the symbol. The optical member is a condenser lens that is moved by energizing a magnetic coil; the lens is operated independently of the scanning movement of the laser beam, to produce a continuous, progressive variation (e.g., a continuous oscillation) in the range of the beam waist, so that at some point in the variation the spot size on the symbol will be of an appropriate size. The movement of the lens can be synchronized with the beam scan (e.g., so that the same spot size can be maintained for several scans). Spot size can be chosen adaptively, by varying the range of the beam waist until the contrast in the reflected light collected from the symbol exceeds a predetermined level.

Abstract: A device for housing a smart card is provided which consists of a compartment for receiving the card and a support onto which the card is secured, the device further including elements that allow the support to be temporarily fixed onto the receiving compartment, the receiving compartment being part of an item of electronic equipment or a storage wallet.

Abstract: An automatic discriminating and decoding apparatus wherein digital data of a plurality of different systems can be decoded rapidly in a similar period of time. The automatic discriminating and decoding apparatus comprises a plurality of decoders connected commonly to successively receive a set of input digital data and individually capable of decoding digital data of mutually different systems. A plurality of decode memories are individually connected to the decoders for storing decoded data therein, and when the input digital data to the decoders are all decoded by one of the decoders, decoded data are read out from one of the decode memories corresponding to the one decoder and are outputted as an output of the automatic discriminating and decoding apparatus.

Abstract: Disclosed is a time-accounting system with optimized management. It can be applied, in particular, to accounting for paid or regulated parking times. The aim is to provide a system that enables a protected replacement of card, a management of fractions of parking units and a management of the change returned by the system, for uses in one of more local authority areas. The disclosed system is of the type comprising a memory card, a box for the reception of the card comprising a memory, wherein the storage capacity of the management memory of the box is limited to a maximum number of pre-determined parking units, and wherein transfer means provide for the transfer of the balance of parking units contained in the card towards the management memory of the box when the arithmetical total of the number of added-up units of the card balance and of the current content of the management memory of the box is smaller than or equal to the capacity of the management memory.

Abstract: An optical scanner suitable for use with a bar code reader includes a light source for generating a laser beam, a laser beam scanning device, a scanning pattern generating optical system, and a signal light condensing optical system for deflecting scattered signal light scattered by an object to be read to introduce the light to a photo-detector. The scanning pattern generating optical system or signal light condensing optical system includes two reflective holograms disposed substantially in parallel with each other to produce a reflection beam having an angle of reflection which is different from an angle of incidence of the laser beam thereon. The scanner is a miniaturized apparatus as a result of the reflection holograms.