Abstract:
A method and system for generating a completed payment document ready for signature in image form and enabling signature in image form, storing the image and providing a printed copy of the document including the signature. A write input device for showing the image and enabling the signature includes a transparent interactive digitizing element with writing stylus, a display module positioned beneath the digitizing element and visible therethrough, and optionally a magnetic stripe reader for providing document-related information for the display. The device is embodied in a system which also includes a point of sale terminal, a printer for printing records of transactions processed by the system and a controller operatively coupled to other elements of the system.

Description:
The present application Ser. No. 10/300,118 is a continuation of application Ser. No. 07/575,096, filed Aug. 30, 1990, now U.S. Pat. No. 6,539,363. The present application Ser. No. 10/300,118 claims the benefit of the filing date of application Ser. No. 07/575,096 under 35 USC 120. 

   BACKGROUND OF THE INVENTION 
   This invention relates to a system and a method for processing signature-based payment transactions and more particularly relates to such a system and method in which the merchant&#39;s records of payment can be generated and maintained electronically without generation of paper records while providing paper records to customers when needed. 
   In retailing and similar areas, the volume of transactions is often such that management of paper records is becoming increasingly burdensome. This problem in the use of paper records is particularly noted in terms of storage of paper documents, retrieval of prior paper records which are needed at a later time, and use of the paper documents in authorizing and/or validating the transfer of funds. If the transfer of funds is disputed, the party responsible for maintaining the paper documents may be held liable for the amount of payment represented by the paper document in the event that such document cannot be located. A failure in ability to retrieve documents in a rapid, efficient manner may thus be costly to a merchant and/or a financial institution. In addition, the effort and facilities required to store paper documents for possible retrieval are costly. Furthermore, the delay which may be involved in processing paper documents through such a system in the event of a dispute may be costly and negative in terms of customer relations. 
   Another source of delay in the current processing of transactions at the point of sale is the time required for processing credit card transactions, including such time-consuming operations as inserting a customer card in an embossing device, performing the embossing operation, filling out the credit receipt blanks and obtaining a customer signature thereon. An arrangement by which all of the necessary information could be assembled and printed on a document in one operation would thus enhance efficiency at the point of sale station. 
   SUMMARY OF THE INVENTION 
   The present invention provides a method and system for generating a completed payment document ready for signature in image form, and further provides a means for capturing a customer signature by means of a stylus-activated mechanism and for integrating said signature into the document image. The resulting image may then be printed to provide a hard copy document for customer records, and may be stored and transmitted in electronic form to provide an electronic image for records maintained and used by the merchant and/or financial institution. 
   In accordance with one embodiment of the invention, a user activated terminal for the entry of transaction-related data comprises a housing for the terminal; a transparent digitizer positioned in the upper portion of the housing and capable of sensing and decoding data input to the digitizer by a user; a magnetic stripe reader for reading data from a record member; and display means positioned beneath the transparent digitizer for displaying data through the transparent digitizer, said data including data input to the digitizer and data sensed by said magnetic stripe reader. 
   In accordance with another embodiment of the invention, a system for processing transactions comprises a write input device which includes display means and transparent digitizer means for direct entry of data into the write input device by a user; a point of sale terminal on which item transactions can be entered and recorded; means coupling said point of sale terminal to said data sensing means of said write input device; a printer for printing records of transactions processed by said system; and a controller operatively coupled to said point of sale terminal, to said display means of said write input device, to said transparent digitizer means of said write input device and to said printer, whereby a receipt covering a transaction can be displayed on said write input device and printed by said printer. 
   In accordance with another embodiment of the invention, a method for processing customer charge transactions using apparatus which includes a cashier-operated point of sale (POS) terminal, a printer and a customer-operated write input device having a touch-sensitive display screen and a card reader, comprises the following steps: 
   (a) initiating the start of a transaction by the cashier; 
   (b) instructing the apparatus by the cashier as to whether an upcoming transaction is a cash transaction or a charge transaction; 
   (c) if the transaction is a charge transaction, entering customer account data; 
   (d) entering data concerning items of the transaction into the POS terminal by the cashier; 
   (e) indicating entry of the last item of the transaction by the cashier; 
   (f) displaying a business form on the display screen; 
   (g) signing by the customer on the display screen of the business form displayed there; and 
   (h) printing of the business form including the customer signature. 
   It is accordingly an object of the invention to provide a method and system for processing signature-based payment transactions in an efficient manner. 
   Another object is to provide an improved method and system for processing signature-based payment transactions by use of electronic representations of payment documents. 
   Another object is to provide a method and system which are easily usable by and acceptable to a customer for generation and signature of a payment document in electronic form. 
   Another object of the invention is to provide a method and system for electronic generation and electronic signature of a payment document, and for maintaining an electronic representation of the signed document. 
   Another object is to provide a method and system for producing a paper record of the electronic representation of the document referred to in the object above. 
   Another object is to provide a user activated terminal for the entry of transaction-related data for use and storage in electronic form. 
   With these and other objects, which will become apparent from the following description, in view, the invention includes certain novel features of construction and combinations of parts, a preferred form or embodiment of which is hereinafter described with reference to the drawings which accompany and form a part of this specification. 

   
     BRIEF DESCRIPTION OF THE DRAWINGS 
       FIG. 1  is a perspective view of a write input apparatus and associated printer. 
       FIG. 2  is a sectional elevational view of the write input apparatus of  FIG. 1 . 
       FIG. 3  is a plan view of a liquid crystal display module which is used in the write input apparatus. 
       FIG. 4  is an elevational view of the liquid crystal display module of  FIG. 3 . 
       FIG. 5  is a block diagram of a system which includes the write input apparatus. 
       FIG. 6  is a view showing a document comprising a combined bill of sale and store receipt which is printed by the printer. 
       FIGS. 7A-7B , taken together, constitute a flow diagram of operation of a system which includes the write input apparatus. 
       FIG. 8  is a block diagram, showing how the  FIGS. 8A-8D  should be assembled. 
       FIG. 8A to 8D , taken together, constitute a flow diagram of the manner of operation of the controller of the system. 
       FIG. 9  is a flow diagram of the process employed to transform the coordinates of a position of the transparent digitizer to the corresponding coordinates of the display module. 
       FIG. 10  is flow diagram of the process employed to provide offset values used in the process of  FIG. 9 . 
   

   DETAILED DESCRIPTION 
   Referring now to  FIG. 1 , shown there is a perspective view of a write input apparatus  20  which is coupled to a printer  22  by a connector  21 . Although this is shown as a direct connection or coupling, the actual coupling or connection may actually extend through one or more other devices, such as a controller, as will subsequently be described. The write input device includes a transparent surface  24  through which information may be displayed and on which information may be entered by writing thereon with a stylus  26  by a human operator  28 . The stylus  26  is connected to the apparatus by an electrically conductive line  30 . The apparatus  20  may also include an integral magnetic stripe reader  32  having a slot  34  through which a card bearing magnetic indicia may be swiped so that the data contained thereon can be inputted by, stored in and used by the system which includes the write input apparatus  20  and the printer  22 . The write input device  20  can be configured without the magnetic stripe reader  32 , if desired, in the event that the system which includes the apparatus  20  does not require such a reader, or incorporates a separate reader. 
   The printer  22  will most commonly be used for printing customer receipts such as the receipt  36  which is shown as issuing from an aperture  38  in the housing of the printer. Other types of record media could also be generated by the printer  22 , if desired, in response to the needs of the system. Any suitable printer may be employed, such as an Epson RP265, marketed by Epson America, Inc., Torrance, Calif. 
   As shown in the sectional view of  FIG. 2 , the write input apparatus  20  is contained within a lower housing  40  and an upper housing  42 , which mate along the edges thereof. The upper housing  42  contains an aperture  44  within which is placed a transparent interactive digitizer element  46  which is capable of generating electrical signals which represent the position of the stylus  26  or other device placed in contact therewith. Broadly speaking, during operation of the interactive element  46 , the stylus  26  acts as a probe and the differing potentials between sides of the element, in two coordinate directions, are measured, converted into digital form, and are processed through correction algorithms. This enables a trace of the movement of the stylus to be captured and retained, as well as displayed on a liquid crystal display (LCD) module  48 . Interactive elements of this type are commercially available, and one such device which can be employed in the present invention is the ScreenWriter controller/digitizer/pen marketed by MicroTouch Systems Inc., Wilmington, Mass. 
   Positioned directly beneath the interactive transparent element  46  and having a display screen visible therethrough is the liquid crystal display (LCD) module  48  which is capable of displaying information in response to electrical signals applied thereto. Information from a card that is read by the magnetic stripe reader  32  can be used to enter information into the LCD module  48 . For example, data from a sensed card can access a look-up table in a memory in a system using these devices to cause electrical signals for background lines for a receipt form to appear on the screen of the LCD module  48 . Electrical signals from the interactive element  46  relating to movement of the stylus  26  on the element can then be applied to the LCD module  48  to provide a representation of a signature on the receipt form. Thus, since the LCD module  48  is positioned directly beneath the transparent digitizer element  46 , the movements of the stylus  26  on the transparent surface  24  are graphically captured and are immediately visible at the points of contact of the stylus with the surface. 
     FIGS. 3 and 4  are plan and elevation views of the LCD module  48 . A display screen  50  forms part of the top surface of the module. A cable  52  provides electrical input connections for supplying power and data signals to the module. Electrical conductors  53  provide power to fluorescent tubes for back-lighting the screen  50 . Brackets  54  are secured to the module to enable it to be mounted securely within the apparatus  20 . LCD modules of this type are commercially available, and one such module which can be employed in the present invention is Model EG7500, marketed by Epson America, Inc., Torrance, Calif. 
   The magnetic stripe reader  32  and its slot  34  are shown to be located in the upper left portion of the apparatus  20 , as viewed in  FIG. 2 . A control circuit board  56  which functions as a controller for the transparent digitizer element  46  is located below the LCD module  48  in the lower housing  40  of the apparatus  20  and includes a connector  57  for connection to the digitizer element  46  and also includes an RS232 connector  59  to a PC controller  64 . A contrast control  58  for changing the contrast of the screen  50  of the LCD module  48  is located in a semi-cylindrical lower extension  60  of the lower housing  40 , which extension also serves as a foot or support for supporting the apparatus  20  on a work surface. 
     FIG. 5  is a block diagram of a system  61  which includes the write input apparatus  20  and the printer  22 , in addition to the magnetic stripe reader  32 , a point of sale (POS) terminal  62  and a personal computer functioning as a controller  64 . The write input apparatus  20  is shown in block form in phantom lines, and includes the LCD module  48  and the interactive digitizer element and controller  46 , with associated stylus  26 . The magnetic stripe reader  32  is shown in a separate phantom line block, to indicate that it may be a separate freestanding device, rather than being integrated into the housing of the write input apparatus  20 , if desired. The POS terminal  62  can be any suitable device of that type, such as a Class 7052 terminal, marketed by NCR Corporation, Dayton, Ohio. The personal computer  64  which functions as a controller may be any suitable personal computer, such as a Model PC 810, marketed by NCR Corporation, Dayton, Ohio. A Display Master model YDM6420 graphics adapter, marketed by Yahama Corporation of America, San Jose, Calif., is incorporated into the computer  64 , and functions to drive the LCD module  48 . An NCR Corporation part no. 017-0035367B RS 232 adapter board adds required additional serial ports for communications. 
   The magnetic stripe reader  32  is connected via a path  66  to the POS terminal  62 , which is in turn connected by an RS232 data bus  68  to the PC controller  64 . The LCD display  48  is connected via a path  70  to the PC controller  64 , and in effect takes the place of the CRT display which would normally be associated with the PC. The touch screen and controller  46  is connected to the PC controller  64  by an RS232 data bus  72 , and a similar RS232 data bus  74  connects the PC controller  64  to the printer  22 . The POS terminal  62  may be connected to other data processing facilities in an establishment in which it is used, such as a STARLAN store network. 
   The manner in which the system  61  functions in performing transactions will now be described with reference to the flow diagram of  FIGS. 7A and 7B . The process is shown in  FIG. 7A  as commencing with the start block  80 . The display screen is initially in an idle condition, as represented by block  82 . In this idle condition, advertising or other messages can be displayed if desired. The system periodically inquires as to whether a transaction has started, as represented by block  82 . If not, the process returns via node A to start block  80  and displays an idle screen. If a transaction has commenced, the process continues to block  86 , in which it is determined whether or not it is a cash purchase. If it is not a cash purchase, it is assumed that the transaction is a credit transaction, and a credit card is swiped through the magnetic stripe reader by the cashier, or account data is entered through the keyboard of the POS terminal  62 , as represented in block  88 , and the process continues to block  90 . If the transaction is a cash purchase, the process goes directly to block  90 , in which the cashier enters the next item into the terminal  62 . The item is then displayed on the LCD  48  for the customer to see, as represented by block  92 . An inquiry is made (block  94 ) as to whether this is the last item. If not, the process looks along path  93  for the entry of additional items via blocks  90  and  92 , until the last item is reached, and the process continues along path  95  to block  96 , in which an inquiry is again made as to whether or not the transaction is a charge purchase. 
   Let it first be assumed that the transaction is not a charge purchase, in which case the process continues over path  97  to decision block  98 , in which inquiry is made as to whether the transaction is a cash purchase. If it is a cash purchase, the cash is tendered by the customer (block  102 ). If it is not a cash purchase, then the transaction must be some type of return, which is handled according to normal store procedure (block  100 ). In either event, a bill of sale for the customer is then printed (block  104 ) and the process returns to the start position via node A. 
   Returning now to block  96 , let it be assumed that the transaction is a charge purchase, in which case the process continues to block  106 , in which credit approval is verified in accordance with normal store procedures. If credit is not approved, the transaction is aborted and the process returns via node A to the start position. If credit is approved, the itemization portion of a bill of sale is printed for the customer by the printer  22 , as represented in block  108 , but it should be noted that the bill of sale is not yet complete. The receipt of charge (ROC) is then displayed (block  110 ), as shown by reference character  111  ( FIG. 1 ) on the LCD display  48  and is visible through the transparent surface  24  of the write input apparatus  20 . Next, the top portion of the receipt of charge is printed by the printer  22  (block  112 ) following the itemization portion of the bill of sale mentioned above. 
   The customer then “signs” the representation of the receipt of charge (ROC) document which is visible through the surface  24 . As noted above, the signature appears on the representation of the ROC as it is made by the stylus. This is represented by block  114 . From block  114  the process continues to block  116  in which a “signature complete” verification is provided, verifying that the act of signing by the customer has been completed. This may be accomplished by the cashier depressing a designated key on the terminal or touching a designated area on the digitizer surface by the stylus  26 . Following this, the remainder of the receipt of charge (ROC), which includes the customer signature, is printed by the printer and issued to the customer, as represented in block  118 . The document will be similar in appearance to the document  117  shown in  FIG. 6 . The process then returns to the start position through node A. 
   The manner in which the software which controls the operation of the PC controller  64  functions will now be described in connection with the flow diagram of  FIGS. 8A-8D . A typical transaction of the system  61  is made up of a series of messages sent from the terminal  62  to the PC controller  64  via the RS232 bus  68 . 
   All messages are formatted in the following manner. The message starts with a standard ASCII start of header (SOH) character; followed by a count of the member of bytes to follow; followed by the message type character, which in this case could be an ASCII “P”, “D”, “C”, “A”, “K” or “X” character. Message type is followed by an ASCII start of text character (STX); followed by data appropriate for the message type; followed by an ASCII end of text character (ETX); followed by a binary check character (BCC) for the entire message. 
   The different types of messages include the following. One message type is the “P” message which contains itemization data, etc; to be printed by the printer  22 . A “D” message contains itemization and description for the products for display on the LCD module as they are being entered by the cashier. A “C” message contains the data which was inputted during a swipe of the customer card through the magnetic stripe reader  32 . An “A” message indicates that credit has been approved and contains the credit approval number. A “K” message contains a keyboard-entered credit card number as might be required if the credit card cannot be properly read by the magnetic stripe reader  32 . An “X” message is a transaction status message. If an “X” message contains an ASCII “N” in its data field, this indicates the start of a new transaction, as well as a possible abortion of the last transaction. An “X” message whose data field contains an ASCII “P” indicates that all printing for the current transaction is complete. 
   The sequence of messages for a charge transaction would commonly be as follows. The sequence would commence with an “X” message containing an “N” data field; followed by a “K” or “C” message depending on how the credit card number was entered; followed by several “D” messages, one for each item line; followed by an “A” message; followed by several “P” messages, one for each line of text to be printed by the printer; and terminated by an “X” message with a “P” data field. 
   The sequence of messages for a cash transaction would be essentially the same as that for a charge transaction except that no “K”, “C” or “A” messages would be included. 
   Referring now to  FIGS. 8A to 8D , the PC controller software operation commences with a start block  130 . First, any required hardware and software initializations are performed, as represented by block  132 , after which all previous transaction data (such as credit card numbers, names, etc.) are flushed from memory, as represented in block  134 . An inquiry is made as to whether the idle flag is set to true in decision block  136 . The idle flag is true when a transaction is not in progress. If the idle flag is true, then the idle screen is displayed by the LCD module  48 , as represented by block  138 . If the idle flag inquiry of block  136  is false, block  138  is skipped and the process continues via path  137 . In either case, the process continues to block  140  where an inquiry is made as to whether a message has been received in a message buffer in the PC controller  64 . If no message has been received, the process loops back via path  160  to block  136 . If a message has been received, the process continues to block  142  where the message is retrieved, and then to block  144 , where the message type is determined. 
   The process then continues via path  146  to block  148 , where an inquiry is made as to whether the message is a “P” type of message. If so, the process continues to block  150  where an inquiry is made as to whether the print line contained in this message includes the word “credit” or a similar key phrase which would indicate a return as opposed to a purchase. If such mention is made, a credit flag is set (block  152 ). If no such mention is made, the process continues on path  151 . 
   In either case, in the next step of the process, the contents of the message are printed by the printer, as represented in block  154 . Following this, the message is stored to disk by the PC controller  64  for possible later retrieval, as represented by block  156 . The process then continues via path  157  to block  158 , where an inquiry is made as to whether a “print complete” flag is false; whether an “authorization” flag is true; and whether the “credit” flag is false. The “print complete” flag is true when all “D” messages for this transaction have been transmitted. The “authorization” flag is true when credit authorization has been confirmed. The “credit” flag was previously described in connection with block  152 . If the “print complete” flag is not false, or if the “authorization” flag is not true or if the “credit” flag is not false, the process returns via path  160  to block  136 . 
   Otherwise the process continues via path  159  to block  162  in which the receipt of charge (ROC) is displayed on the LCD module  48 . Following this, the top portion of the receipt of charge (ROC) is printed by the printer  22 , as represented by block  164 . The process continues to block  166 , where the signature is made by the customer, inputted by the digitizer and simultaneously displayed by the LCD module  48 . A “signature complete” indication is then provided as previously described in connection with block  116 , and the remainder of the ROC, including the signature, is printed, as represented in block  170 . The process then continues via path  171  and node B to block  134 . 
   Returning to block  148 , if the message is not of type “P”, the process continues to block  172  where an inquiry is made as to whether the message is of type “D”. If so, the contents of the “D” message are displayed on the LCD module  48  in block  174 . The process then continues via path  157  to block  158 , from which block the process has been previously described. 
   Returning to block  172 , if the message is not of type “D”, an inquiry is made (block  176 ) as to whether the message is of type “C”. If so, the data sensed from the customer card by the magnetic stripe reader  32 , which is contained in the data field of the “C” message, is parsed into individual name, account number, etc., fields and stored for later use. The process then continues via path  157  to block  158 , from which block the process has been previously described. 
   Returning to block  176 , if the message is not of type “C”, the process continues to block  180  where an inquiry is made as to whether the message is of type “A”. If so, the authorization flag is set true (block  182 ) and the authorization number is stored for later use (block  184 ), after which the process continues via path  157  to block  158 , from which block the process has been previously described. 
   Returning to block  180 , if the message is not of type “A”, an inquiry is made as to whether the message is of type “K”. If so, the keyboard-entered card number contained in the “K” message data field is stored for later use (block  188 ). The card holder&#39;s name is not generally entered in the case of keyboard card entry. The process then continues via path  157  to block  158 , from which block the process has previously been described. 
   Returning to block  186 , if the message is not of type “K”, an inquiry is made as to whether the message is of type “X” (block  190 ). If so, an inquiry is made as to whether the data field of the “X” message is an ASCII “N”. 
   If so, the process continues via path  193  to block  194 , in which all previous transaction data (such as credit card numbers, names, etc.) are flushed from the memory. Following this, all flags are set false, including the “authorization” flag, the “print complete” flag, the “idle flag” and the “credit” flag. The process then continues via path  157  to block  158 , from which block the process has been previously described. 
   Returning to block  192 , if the “X” message data is not an ASCII “N”, the process continues via path  198  to block  200 , where an inquiry is made as to whether the “X” message data is an ASCII “P”. If so, “print complete” and “idle” flags are set true, and the process continues via path  157  to block  158 , from which block the process has been previously described. If, in block  200 , the “X” message data is not an ASCII “P”, this “X” message is not of a known type, and the process continues via path  157  and block  158 . 
   Returning to block  190 , if the message is not of type “X”, it is not of a known type and the process continues via paths  191  and  157  to block  158 , from which block the process has previously been described. 
   In order to display on the LCD module  48  the signature or other indicia generated by use of the stylus  26  on the transparent digitizer  46 , it is necessary for the PC controller  64  to transform the stylus coordinates originating from the digitizer controller into coordinates of the LCD module  48 . This is an important part of the process used to complete blocks  166  and  168  of  FIG. 8D . 
   The process used to accomplish this transformation is illustrated in the flow diagram of  FIG. 9 . Performance of this process is dependent upon obtaining certain constants which are used in equations for this transformation. The process for obtaining these constants is shown in  FIG. 10 , which will be subsequently described. 
   The process of  FIG. 9  begins with start block  210 , and then proceeds to block  212  in which an inquiry is made as to whether the stylus  26  is touching the digitizer  46 . The process does not continue until the stylus does touch the digitizer. When this stylus is touching the digitizer, the process continues to block  214 , in which the transparent digitizer coordinates “touch_X” and “touch_Y” are determined and transmitted by the digitizer controller via the RS232 bus to the PC controller  64  from the transparent digitizer controller included in block  46 . These coordinates represent the instantaneous position of the stylus  26  on the digitizer  46 , taken at periodic time intervals during movement of the stylus. 
   The corresponding positional coordinates “lcd_x” and “lcd_y” for the LCD module  48  are then calculated from “touch_X” and “touch_Y”, as represented in block  216 . This transformation is accomplished by use of the following equations:
 
 lcd   —   x=m   —   x  times touch —   x+b   —   x   1.
 
 lcd   —   y=m   —   y  times touch —   y+b   —   y   2.
 
where
         lcd_x, lcd_y are display coordinates,   touch_x, touch_y are digitizer coordinates,   m_x, m_y are scalar constants,   b_x, b_y are offset constants.       

   The method for determining m_x, m_y, b_x and b_y will subsequently be described in connection with the flow diagram of  FIG. 10 . 
   The process continues to block  218  where lcd_x and lcd_y are described on LCD module  48 . An inquiry is then made (block  220 ) as to whether a “signature complete” indication has been made, which was described in greater detail in connection with block  116 . If the signature is complete, the process is concluded (block  224 ). If the signature is not complete, the process continues via path  222  to block  212 . 
   The constants m_x, m_y, b_x and b_y are determined in accordance with the process set forth in the flow diagram of  FIG. 10 , which proceeds from the start position  230  to first display a point at predetermined LCD module screen coordinates “lcd_x 1 ” and “lcd_y 1 ”, as represented in block  232 . The user then touches this displayed point with the stylus  26 , thus yielding corresponding digitizer coordinates “touch_x 1 ” and “touch_y 1 ”, as represented in block  234 . A second predetermined point, physically spaced from the first predetermined point, at coordinates “lcd_x 2 ” and “lcd_y 2 ” is then displayed (block  236 ). The user then touches this second displayed point with the stylus  26 , thus yielding corresponding digitizer coordinates “touch_x 2 ” and “touch_y 2 ”, as represented in block  238 . For maximum accuracy, the two predetermined points should be at opposite corners of the planned active area of the screen of the LCD module  48 . 
   The quantities m_x, m_y, b_x and b_y are then determined, as represented in block  240 , in accordance with the following equations 
                 m_x   =       (     lcd_x1   -   lcd_x2     )       (     touch_x1   -   touch_x2     )             3.             4.  b   —   x=lcd   —   xl−m   —   x  times (touch —   xl )  4. 
                 m_y   =       (     lcd_y1   -   lcd_y2     )       (     touch_y1   -   touch_y2     )             5.               b   —   y=lcd   —   yl−m   —   y  times (touch —   yl )  6. 
   These constants (m_x, m_y, b_x and b_y) are then stored and used to calculate display coordinates from any subsequent digitizer coordinates, as per block  242 . The process is then concluded at block  244 . 
   The system and method of the present invention have been disclosed herein primarily in connection with an arrangement for signature-based payment transactions. However the invention is not limited to such an arrangement and could be used in connection with other arrangements in which a capability for integrating information from various sources with handwritten information on a display and printing and electronic storage of such integrated information would be useful. Such other arrangements might include, for example, the integration on a display of a guest check format with hand-written item entries thereon. Such a device could be carried by a waiter in a restaurant, and could also be used for generation of a bill which would be signed by a customer at the table. Another such arrangement could include the integration on a display of a check format with hand-written check signature to facilitate the generation of a check on a check-writing stand. 
   While the form of the invention shown and described herein is admirably adapted to fulfill the object primarily stated, it is to be understood that it is not intended to confine the invention to the form or embodiment disclosed herein, for it is susceptible of embodiment in various other forms within the scope of the appended claims.