Browse Prior Art Database

Credit Card Imaging System

IP.com Disclosure Number: IPCOM000122169D
Original Publication Date: 1991-Nov-01
Included in the Prior Art Database: 2005-Apr-04
Document File: 2 page(s) / 75K

Publishing Venue

IBM

Related People

Mitchell, MO: AUTHOR [+2]

Abstract

This article describes a methodology of eliminating the manual handling of credit card and debit card receipts by digitally imaging the transaction from the point-of-sale terminal or a credit/debit card notepad.

This text was extracted from an ASCII text file.
This is the abbreviated version, containing approximately 52% of the total text.

Credit Card Imaging System

      This article describes a methodology of eliminating the
manual handling of credit card and debit card receipts by digitally
imaging the transaction from the point-of-sale terminal or a
credit/debit card notepad.

      Image processing is a growing technology with many new
applications exploiting this area of computing.  An example of image
processing that consumers are already seeing is American Express
billing statements.  Consumers are getting a list of the signed
receipt images in their American Express bill.  The image is kept
on-line for customer service representatives to call up in the event
of an inquiry.  Master Card and Visa are also imaging receipts
between banks to resolve billing inquiries.

      A business decision has been made which determined that at some
point in the manual path, which the paper receipts have taken in the
past, a savings will be realized by digitizing.  A great deal of
effort is still being expended to manually move the receipts from the
vendor to the digitizer location, actually digitizing the receipts
and finally resolving what is written on the receipt. Additionally,
some amount of time is being spent between the time the receipt is
signed and when the consumer's account is debited (in some cases this
may represent loss of interest).

      The concept behind this invention is that as a consumer signs
for a credit/debit card purchase, the vendor would digitize the
receipt image and assure its legibility.  The digitized electronic
image would then be sent directly to the bank or crediting
organization for processing via phone lines or through a network.
Since the burden of this process has been shifted to the end vendor,
a hardware/software application will need to be provided to these
vendors.

      The ...