Payment Card Integrating Banking and Game Chips
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Solution Overview
Problem
Existing payment cards with electronic chips lack automated data transfer capabilities, requiring users to physically present the card for validation, limiting their versatility in electronic transactions.
Innovation Solution
A payment card integrating a banking operations chip and an interactive human-machine chip with a shared memory space, allowing secure data transfer to payment terminals, and featuring a battery-powered microcontroller for executing algorithms and storing data, enabling automated validation of game results or loyalty points.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Extent of automation
If a payment card uses only a banking operations chip, then security protocols are maintained, but automated data transfer capabilities are absent requiring physical card presentation
Solution Approach 1:
The payment card system is segmented into two separate integrated circuits: a first IC dedicated to banking operations with security functions, and a second IC for electronic games and data storage. This segmentation allows each component to specialize in its function while maintaining overall system security through the dedicated banking IC.
Solution Approach 2:
A shared memory space acts as an intermediary between the banking operations IC and the electronic game IC. This memory space enables automated data transfer of game results and loyalty points to payment terminals while maintaining security protocols through the banking IC's control over the transfer process.
2Ease of operation
If electronic games are added to payment card, then user convenience is improved, but device complexity increases
Solution Approach 1:
The patent merges banking operations and electronic games into a single payment card by integrating two ICs within the same card body. This combining provides users with both banking functionality and entertainment in one device, improving convenience while managing complexity through modular integration.
Solution Approach 2:
The payment card becomes multi-functional by incorporating both banking operations and electronic games. The card can serve as both a payment instrument and a gaming device, with the shared memory space enabling both functions to access and utilize the same data storage resources.
3Extent of automation
If a shared memory space is provided between banking chip and game chip, then automated validation is enabled, but security risks may increase
Solution Approach 1:
The banking operations IC maintains local quality of security by having exclusive control over data transfer operations to payment terminals. Even though the memory space is shared, the banking IC's dedicated security protocols and control mechanisms ensure that only authenticated and validated data can be transferred, maintaining security while enabling automation.
Data Source
AI summary
A payment card is provided including a support in the format of a conventional bank payment card, and having a first integrated circuit dedicated to banking operations, a second integrated circuit not dedicated to banking operations; at least one man/machine interface, the second integrated circuit being configured so as to activate at least one part of the man/machine interface in response to a directive from the user and according to an algorithm contained in the second integrated circuit. A memory space is connected to the second integrated circuit for saving data arising from the execution of the algorithm; the memory space being also connected to the first integrated circuit for reading of the data arising from the execution of the algorithm. A battery is provided for powering the second integrated circuit.