Dual-Layer Smart Card Phone With Magnetic Coupling
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Solution Overview
Problem
Current financial technologies lack a convenient and consolidated means to access multiple value exchange methods, particularly in a mobile environment, as new alternative currencies emerge, necessitating a unified solution for on-demand value exchanges.
Innovation Solution
A dual-layer smart card/phone device with a computer telephony integrated platform, comprising a master unit for mobile network communications and a slave unit for financial transactions, connected via magnetized contact pads, enabling access to various payment systems and networks, including WiFi, LTE, and EMV terminals, with advanced security features like RF leak detection and data injection circuits.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple separate devices are used for different value exchange methods, then access to various payment systems is achieved, but device complexity and user convenience deteriorate
Solution Approach 1:
The patent combines a smartphone and smart card into a single integrated device. The smartphone housing contains both the communication components (antenna, processor, display) and the payment card components (contact pads, magnetic stripe, chip interface), eliminating the need for separate payment devices while providing access to multiple value exchange methods including traditional card payments and digital currency transactions
Solution Approach 2:
The integrated device performs multiple functions: it operates as a full-featured smartphone for communication and data processing, while simultaneously functioning as a smart card for financial transactions. The device can access both wireless mobile networks and traditional financial networks, supporting various payment systems including magnetic stripe readers, EMV terminals, and cryptographic currency exchanges
2Length of moving object
If a thin smart card form factor is maintained, then portability and convenience are improved, but internal volume for electronic components is limited
Solution Approach 1:
The smart card components are nested within the smartphone housing. The contact pads and magnetic stripe elements are integrated into the card-form factor section, while the smartphone's battery, processor, and communication antennas provide the necessary power and functionality. This nested arrangement allows the thin card profile to contain sufficient electronic components by utilizing the smartphone's existing volume
3Reliability
If contact pads are magnetized to couple housings, then connection reliability is improved, but manufacturing complexity increases
Solution Approach 1:
The magnetized contact pads automatically align and couple the smartphone housing with the smart card section when brought together. The magnetic attraction provides self-aligning connection, ensuring reliable contact between corresponding pads without requiring precise manual alignment or complex mechanical fastening mechanisms, thereby improving connection reliability while keeping manufacturing relatively simple
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 seamless, secure, and convenient access to multiple payment systems and networks, facilitating on-demand value exchanges while ensuring security and compatibility with various financial technologies, thereby addressing the need for a unified mobile solution.
Implementation Method 1
the contact pads magnetized to attract opposing contact pads to couple the first and second housings together along the interfacing sides
Implementation Method 2
the master unit charges the slave unit by induction coil through opposing induction charging pads that contact when the units are coupled
Data Source
AI summary
A CTI mobile device includes a first physical layer of electronic components adapted to fit in a first rectangular housing, the components adapted in aggregate to function as a mobile CTI communications device capable of accessing a wireless mobile network, and a second physical layer of electronic components adapted to fit in a second rectangular housing, the components adapted in aggregate to function as a mobile smart card capable of accessing a financial network to perform transactions and manage accounts, the first and second housings adapted to be coupled, and a plurality of contact pads distributed in like number and geometric pattern to interfacing sides of the first and second housings, the contact pads magnetized to attract opposing contact pads to couple the first and second housings together along the interfacing sides.