EMV Risk Parameter Reset via Docked Wireless Interface
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Solution Overview
Problem
Existing proximity payment devices face challenges in efficiently resetting EMV risk parameters, particularly when the risk of fraud and bad debt is low, as current methods often require lengthy processes that exceed the time needed for a transaction, and not all devices can be inserted into card readers due to non-card shapes.
Innovation Solution
A system comprising a proximity payment device, a communication device, and an authorization device, where the communication device connects to the authorization device to request and receive authorization to reset the EMV risk parameter, allowing the proximity payment device to reset the parameter without needing to be held within range of a POS system for extended periods, using wireless communication and electrical connectors for data transfer.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the EMV risk parameter is reset using traditional POS system methods, then the parameter can be reset, but the process takes twenty to thirty seconds which is considerably longer than the time needed for the transaction itself
Solution Approach 1:
The patent introduces a dock as an intermediary device between the proximity payment device and the POS system. The dock performs the EMV risk parameter reset operation locally without requiring the proximity payment device to remain connected to the POS system, thereby reducing the time the device must be held at the terminal while still achieving the reset function.
Solution Approach 2:
The system performs preliminary authorization and setup through the dock before the actual transaction. The dock can pre-establish communication channels and prepare the reset operation, allowing the actual parameter reset to occur quickly during or after the transaction without extending the holding time at the POS terminal.
2Reliability
If the proximity payment device is inserted into a card reader with contacts, then the parameter can be reset, but this method only works for card-shaped devices with contact terminals
Solution Approach 1:
The dock is designed to support multiple communication interfaces including wireless communication (such as NFC, RFID, or Bluetooth) in addition to contact-based interfaces. This allows the dock to work with proximity payment devices of various shapes and contact types, making the reset function universal across different device form factors.
Solution Approach 2:
The patent replaces the mechanical contact-based card reader system with a dock that supports wireless communication interfaces. This substitution eliminates the requirement for physical insertion and contact terminals, allowing non-card shaped devices and contactless devices to be reset through the same dock infrastructure.
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 rapid and efficient resetting of EMV risk parameters, reducing transaction time and accommodating non-card shaped devices, thereby improving user experience and operational efficiency.
Implementation Method 1
a wireless communication interface to transmit a payment account number and/or other information to a point of sale (POS) terminal. The wireless interface often includes a radio frequency identification integrated circuit (RFID IC) and an antenna to receive a power signal from and/or communicate with the POS terminal.
Data Source
AI summary
In some embodiments, a method includes supporting an identification token, issued to an account holder by a non-card shaped body of a device; communicating with a proximity coupling device via a wireless interface of the identification token; electrically connecting a communication device to an electrical connector attached to the non-card shaped body; and resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device. In some embodiments, the non-card shaped body of the device is a non-card shaped body of a device issued to the account holder. In some embodiments, the communication device is a communication device issued to the account holder. In some embodiments, an apparatus includes an identification token having a wireless interface; a non-card shaped body that encloses the identification token; and an electrical connector attached to the non-card shaped body and adapted to be electrically connected to a communication device; the identification token to communicate with a proximity coupling device via the wireless interface, and to reset a security parameter in the identification token in response, at least in part, to at least one signal from the communication device.