Contactless Card Reader Integration in Personal Computing Devices
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Solution Overview
Problem
Current payment systems, particularly contactless transactions, face challenges in securely and efficiently utilizing personal computing devices for payment and authentication processes, lacking seamless integration of short-range wireless communication protocols and secure data exchange with remote servers.
Innovation Solution
A contactless card reader system integrated within personal computing devices, enabling short-range wireless communication with payment devices using contactless card protocols, and a remote server to perform transactions, with a protected execution environment for secure data exchange and authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If contactless card reader functionality is integrated into personal computing devices, then consumer experience and payment efficiency are improved, but device complexity and security requirements increase
Solution Approach 1:
The patent combines the contactless card reader functionality with the personal computing device by integrating an NFC controller and reader into the device's existing wireless communication module. This merging approach allows the device to function both as a computing device and as a contactless payment terminal, eliminating the need for separate dedicated reading devices and thereby improving payment efficiency while managing complexity through shared hardware resources.
Solution Approach 2:
The personal computing device is designed to perform multiple functions: it serves as both a general-purpose computing device and a specialized contactless card reading terminal. The integrated NFC reader can handle various payment protocols (EMV, ISO 14443) and authentication methods, making the device universally applicable for different payment scenarios while maintaining a single device architecture.
2Speed
If short-range wireless communication protocols are used for contactless transactions, then transaction speed and convenience are improved, but security risks and data protection challenges increase
Solution Approach 1:
The system performs preliminary security actions by establishing encrypted communication channels before actual payment data is transmitted. The NFC controller initiates secure authentication sequences that verify the legitimacy of the communication partner and establish cryptographic keys in advance, ensuring that when fast contactless transmission occurs, the data is already protected against interception or tampering.
Solution Approach 2:
The patent introduces an intermediary layer in the form of an NFC controller that mediates between the personal computing device and the payment card. This intermediary handles the cryptographic operations, data encryption, and protocol management, allowing the fast wireless communication to occur while the intermediary ensures security requirements are met by processing and protecting the data before it reaches the main 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
Enables secure and efficient contactless transactions by integrating contactless card reader functionality into personal computers, ensuring secure data exchange and authentication, enhancing the consumer experience through streamlined payment processes.
Implementation Method 1
a contactless card reader for short range wireless communication with a payment device using a contactless card protocol
Data Source
AI summary
A contactless card reader system comprises the a contactless card reader for short range wireless communication with a payment device using a contactless card protocol. The reader also comprises a terminal for exchanging data with the payment device and with a remote server to perform a contactless card transaction. The terminal is comprised in a personal computing device. The remote server may provide functionality to the terminal in performance of the transaction. A method of performing a transaction is also described.