Contactless RFID Card Reader for Automated Banking Machines
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Solution Overview
Problem
Automated banking machines face issues with magnetic stripe cards, including wear, duplication, and maintenance challenges due to physical contact, which can lead to fraud and reduced reliability, and occupy valuable space limiting additional features.
Innovation Solution
The implementation of a contactless card data reader, such as an RFID card reader, which allows for secure, efficient, and space-saving data retrieval without physical contact, enabling enhanced machine reliability and user experience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If magnetic stripe cards are used for data storage, then data can be read from the card, but wear, duplication, and maintenance issues occur due to physical contact
Solution Approach 1:
The patent replaces the mechanical contact-based magnetic stripe reading system with a contactless RFID reading system. The RFID reader uses electromagnetic fields to read data from the card without physical contact, eliminating wear on both the card and reader components, and preventing duplication through closer security protocols
2Reliability
If contactless card reader is implemented, then security is enhanced and service issues are reduced, but device complexity increases
Solution Approach 1:
The patent introduces an RFID intermediary system that uses electromagnetic fields as a mediator between the reader and card. This intermediary approach enables contactless communication while maintaining security protocols and reducing direct mechanical interactions, thereby improving reliability without proportionally increasing complexity
3Area of stationary object
If contactless card reader is used, then space is freed up for additional features, but manufacturing cost increases
Solution Approach 1:
The patent extracts the magnetic stripe reading components from the banking machine and replaces them with a more compact RFID reading system. This extraction frees up physical space within the machine housing that can be utilized for additional features, while the modular nature of RFID components helps control manufacturing costs
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 card reader reduces service issues, enhances security, and increases machine reliability while freeing up space for additional features, making it easier to use and maintain, thus improving the overall functionality of automated banking machines.
Implementation Method 1
The automated banking machine may include a non-contacting card reader, such as a RFID card reader, for reading data from the card
Data Source
AI summary
A banking system operates responsive to data read from data bearing records. The system includes an automated banking machine comprising a card reader. The card reader includes a movable read head that can read card data along a magnetic stripe of a card that was inserted long-edge first. The card reader includes a card entry gate. The gate is opened for a card that is determined to be properly oriented for data reading. The card reader can encrypt card data, including account data. The machine also includes a PIN keypad. The card reader can send encrypted card data to the keypad. The keypad can decipher the encrypted card data. The keypad can encrypt both deciphered card data and a received user PIN. The card data and the PIN are usable by the machine to authorize a user to carry out a financial transfer involving the account.