Secure Audio NFC Interface for Card Position Guidance

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Solution Overview

Problem

Existing contactless card environments do not utilize audio signal receiving devices for executing transactions, leading to inefficiencies and potential security risks in data transmission.

Innovation Solution

The use of audio signal receiving devices, such as earphones or headphones, to establish a near-field communication link with contactless cards, determine signal strength, and guide the card's repositioning for optimal data transmission through a series of prompts, enabling secure data exchange.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional contactless card environments are used without audio signal receiving devices, then device complexity is reduced, but transaction security and data transmission reliability deteriorate

Engineering Contradiction:
Improvedata transmission reliabilityVSAvoiddevice complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent applies multi-functionality by enabling audio signal receiving devices (earphones, headphones, VR/AR devices) to serve dual purposes: their primary function and contactless card transaction processing. The audio device's processor and transceiver coil handle both audio processing and NFC communications, eliminating the need for dedicated card readers while improving transaction security through authenticated communication channels.

Inventive Principle:
Principle #6Universality (Multi-functionality)

2Ease of operation

If manual positioning of contactless cards is required for optimal signal strength, then device complexity is reduced, but ease of operation deteriorates

Engineering Contradiction:
Improveease of operationVSAvoiddevice complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The patent implements feedback mechanisms where the audio device continuously monitors signal strength from the contactless card and provides real-time guidance to the user through audio prompts. The system detects signal strength variations and instructs users to reposition the card or adjust the device orientation, automatically optimizing the communication link without requiring manual intervention to achieve perfect positioning.

Inventive Principle:
Principle #23Feedback

Solution Approach 2:

The system performs self-service by automatically detecting contactless cards, establishing communication links, monitoring signal strength, and guiding users through audio feedback without requiring complex user actions. The audio device autonomously manages the transaction process, from card detection to data extraction, minimizing manual操作步骤 while maintaining operational simplicity.

Inventive Principle:
Principle #25Self-service

3Reliability

If audio signal receiving devices are used for contactless transactions, then transaction security is improved, but device complexity increases

Engineering Contradiction:
Improvetransaction securityVSAvoiddevice complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent applies multi-functionality by enabling audio signal receiving devices (earphones, headphones, VR/AR devices) to serve dual purposes: their primary function and contactless card transaction processing. The audio device's processor and transceiver coil handle both audio processing and NFC communications, eliminating the need for dedicated card readers while improving transaction security through authenticated communication channels.

Inventive Principle:
Principle #6Universality (Multi-functionality)

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

Facilitates secure and efficient transmission of contactless card data by ensuring reliable communication links and reducing the need for manual input, enhancing transaction security and user convenience.

Implementation Method 1

a transceiver coil of the audio signal receiving device... responsive to one or more transmissions generated and sent to the first device by a transceiver coil

Methodology Applied
Scientific EffectElectromagnetic Induction: Electromagnetic Induction

Implementation Method 2

detecting, using at least one processor of an audio signal receiving device, a first device and establishing a near-field communication (NFC) exchange communication link with the first device

Methodology Applied
Scientific EffectElectromagnetic Induction: Electromagnetic Induction

Data Source

PatentUS20250322383A1Secure interface
Publication Date: 2025.10.16 CAPITAL ONE SERVICES LLC
  • US20250322383A1 patent drawing
  • US20250322383A1 patent drawing
  • US20250322383A1 patent drawing

AI summary

A method, a system, and a computer program product for providing a secure interface for execution of transactions. An audio signal receiving device detects and establishes a near-field communication (NFC) exchange communication link with a first device. The receiving device receives one or more signals from the first device. Each signal is responsive to one or more transmissions sent to the first device by a transceiver coil of the receiving device. Based on a determined signal strength of signals, the receiving device determines a first position of the first device in relation to the receiving device and generates one or more prompts to reposition the first device in relation to the receiving device from the first position to one or more second positions. At least one second position corresponds to a maximum signal strength of signals. The receiving device then extracts information from the first device.