EMV Risk Parameter Reset for Non-Card Payment Devices
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Solution Overview
Problem
Proximity payment devices without a card shape cannot reset their EMV risk parameters without being held within range of a POS system for an extended period, which is inconvenient and inefficient.
Innovation Solution
A system that includes a proximity payment device, a communication device, and an authorization device connected via a communication link, allowing the EMV risk parameter to be reset through an electrical connector, enabling authorization and reset without requiring continuous proximity to the POS system.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the EMV risk parameter is reset by holding the proximity payment device within range of the POS system, then the reset function is achieved, but the user must maintain continuous proximity for an extended period which is inconvenient and inefficient
Solution Approach 1:
The patent extracts the EMV risk parameter reset function from the POS system environment and relocates it to a portable communication device. The communication device stores authorization information locally and can reset the EMV risk parameter independently without requiring proximity to the POS system, thereby eliminating the continuous proximity requirement while maintaining reset functionality.
2Adaptability or versatility
If the proximity payment device is non-card-shaped, then device versatility is improved, but the ability to be inserted into card readers for resetting is lost
Solution Approach 1:
The patent introduces a portable communication device as an intermediary between the proximity payment device and the EMV risk parameter reset function. This intermediary device can interface with various forms of proximity payment devices regardless of their physical shape, providing a universal solution that works with non-card-shaped devices, card-shaped devices, and other form factors through wireless or wired communication.
3Reliability
If the EMV risk parameter reset requires extended proximity time, then authorization security is maintained, but productivity and efficiency are reduced
Solution Approach 1:
The patent implements preliminary action by pre-storing authorization information in the portable communication device before the reset operation is needed. This authorization information is obtained in advance through secure communication with the POS system or authorization server. When a reset is needed, the pre-stored authorization information is immediately used without requiring extended proximity time, thus maintaining security while dramatically improving efficiency.
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.