EMV Secure Chip Communications Using Contact Monitoring for Accessibility
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Users with visual, audio, or other physical impairments face challenges in accessing transaction-related information displayed on EMV terminals due to the reliance on standard user interfaces, which are not compatible with assistive technologies.
Innovation Solution
A dynamic transaction card with an EMV secure element monitors and evaluates communications between the terminal and the card via a contact connection, converting transaction-related information into formats compatible with assistive technologies on user devices, such as mobile phones or braille readers, using short-range wireless protocols.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If standard user interface is used at EMV terminal, then transaction information can be displayed, but users with visual, audio, or physical impairments cannot access the information
Solution Approach 1:
The dynamic transaction card acts as an intermediary device between the EMV terminal and the user's assistive technology device. It receives transaction data from the terminal via contact connection, processes and converts it into accessible formats, then transmits it wirelessly to the user's mobile device or other assistive technology, enabling users with impairments to access transaction information
Solution Approach 2:
The dynamic transaction card performs multiple functions: it serves as a payment card for EMV transactions, a data processing unit for converting transaction information, and a communication bridge to various assistive technologies. This multi-functionality allows a single device to serve users with different types of impairments (visual, audio, physical) through different output formats
2Adaptability or versatility
If transaction information is converted into multiple accessible formats, then users with different impairments can access information, but the device complexity increases
Solution Approach 1:
The dynamic transaction card changes the parameters of transaction information by converting it from standard terminal format into multiple accessible formats (visual, audio, tactile) based on the user's specific impairment type. This parameter transformation enables the same core information to be delivered in formats suitable for different user needs without requiring fundamentally different system architectures
Data Source
AI summary
An EMV enabled terminal may communicate transaction related information to a user via a standard user interface of the terminal, for example, within a user interface displayed on a display screen of the terminal. The transaction related information may be spoken out loud to the user by the terminal. However, users with visual, audio, or other physical impairments may be unable to access the display of the terminal, view the displayed information, or hear the spoken information. Systems and methods disclosed herein communicate transaction related information via an alternate user interface. Instead of relying on the standard user interface related communications, information about the status of a transaction or transaction related information may be determined based on monitoring and evaluating the communications between an EMV secure element of a dynamic transaction card and the terminal via a contact connection.