Contactless RFID Card Reader for ATM Wear Reduction

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Solution Overview

Problem

Automated banking machines face issues with magnetic stripe card wear, susceptibility to duplication, and maintenance requirements, which increase fraud risks and service downtime, while contact type card readers occupy valuable space and limit additional features.

Innovation Solution

Implementing a contactless card data reader, such as an RFID card reader, which allows for secure, reliable, and space-efficient card data retrieval without physical contact, enabling enhanced security and reduced maintenance needs.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If a contact type card reader is used to read magnetic stripe data, then card data can be retrieved, but the card reader head is subject to wear and dirt accumulation from physical contact with cards

Engineering Contradiction:

Improvecard reader reliabilityVSAvoidcontact wear and dirt accumulation

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent replaces the mechanical contact-based magnetic stripe reader with a non-contact RFID reader that uses electromagnetic fields to read card data. This substitution eliminates physical contact between the reader and card, thereby eliminating wear and dirt accumulation on the reader head while maintaining reliable data retrieval capability.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent introduces an electromagnetic field as an intermediary between the card reader and the card. Instead of direct mechanical contact, the RFID reader uses electromagnetic waves to transmit and receive data from the card's RFID chip, acting as a mediator that eliminates harmful physical contact while enabling data transfer.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Adaptability or versatility

If a contact type card reader is installed in the automated banking machine, then card data reading is enabled, but valuable fascia space is occupied and additional features are limited

Engineering Contradiction:

Improvemachine functionalityVSAvoidfascia space

Core Design Contradiction:

Adaptability or versatilityVSArea of stationary object

Solution Approach 1:

The patent replaces the bulky mechanical card reader with a compact RFID reader that requires minimal installation space. The RFID reader can be integrated into the machine's existing structure without requiring a dedicated fascia slot, thereby freeing up valuable front panel space for additional user interface features or functionality.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Reliability

If magnetic stripe cards are used for transactions, then card data can be read, but the cards are susceptible to duplication and wearing out

Engineering Contradiction:

Improvetransaction securityVSAvoidcard duplication and wear

Core Design Contradiction:

ReliabilityVSObject-generated harmful factors

Solution Approach 1:

The patent replaces magnetic stripe cards with RFID cards that use contactless electromagnetic communication. RFID technology provides enhanced security through encrypted data transmission and更难 duplication compared to magnetic stripes. The cards also have no physical contact points that can wear out, eliminating the wear problem inherent in magnetic stripe cards.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Applied Scientific Principles

This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.

Function Achieved in This Case

The contactless RFID card reader reduces fraud risks, minimizes maintenance, and frees up space for additional features, improving the reliability and functionality of automated banking machines while enhancing user experience.

Implementation Method 1

A contactless card reader may be installed in new automated banking machines or in existing machines without further substantial modifications to the machines

Methodology Applied

Scientific EffectElectromagnetic induction: Electromagnetic Induction

Data Source

PatentUS7992776B1Automated banking machine with nonconctact reading of card data

Publication Date: 2011.08.09 DIEBOLD NIXDORF INCORPORATED

AI summary

An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine generates and displays a random number correlated with a time period. A machine user manually inputs the displayed random number into their phone. A software application in the phone encrypts the selected card data along with the inputted random number data. The phone displays a bar code image containing the encrypted data. The banking machine includes a bar code reader which can read the displayed image. The machine causes the read data to be decrypted. The random number is used to verify the current transaction session. Thereafter, the user may provide other inputs, including PIN input. The process replaces physical insertion of a card yet allows secure input of the card data. Possible data interception from activities requiring card insertion are also reduced.