Transaction Card With Integrated USB Interface
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Solution Overview
Problem
Conventional transaction methods for online purchases using EMV cards lack security and convenience, as standard computers cannot verify physical possession of the card, requiring separate card readers that add expense and inconvenience.
Innovation Solution
A transaction card with an integrated USB or computer interface device that connects directly to a computing device, featuring a card reader module for processing data packets and executing payment authentication protocols, enabling card-present transactions without additional hardware.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a separate card reader device is used for EMV transactions on standard computers, then payment security is improved, but device complexity and cost increase
Solution Approach 1:
The patent combines the card reader functionality directly into the transaction card itself by integrating a USB interface device. This merging eliminates the need for separate card reader hardware, reducing device complexity while maintaining EMV payment security through direct connection to the computing device.
Solution Approach 2:
The transaction card gains multi-functionality by integrating both payment processing and computer interface capabilities into a single device. The USB interface allows the card to function as both a payment instrument and a direct communication device with computers, eliminating the need for separate card reading equipment.
2Reliability
If a separate card reader device is used for EMV transactions, then authentication security is improved, but ease of operation deteriorates
Solution Approach 1:
By merging the card reader functionality into the card itself, the system eliminates the need for users to locate, connect, and manage separate card reader devices. The integrated USB card provides authentication security while improving ease of operation through direct plug-and-use functionality.
3Reliability
If a separate card reader device is used, then card-present transaction capability is achieved, but loss of time increases
Solution Approach 1:
The integration of USB interface functionality directly into the transaction card eliminates the time required to set up and manage separate card reader devices. Users can immediately perform card-present transactions by plugging the integrated USB card directly into the computing device, reducing loss of time while maintaining transaction capability.
Data Source
AI summary
A transaction card is provided for communicating with a computing device. The transaction card may comprise a computer interface device, at least one memory, at least one processor, and a card reader module. The card reader module configured to receive, from the computing device through the computer interface device, a first data packet comprising a request associated with a transaction, the first data packet being compatible with an interface protocol. The card reader module may process the first data packet to generate a second data packet compatible with the payment authentication protocol; provide the second data packet to the processor; receive, from the processor, a third data packet comprising a response to the request; process the third data packet to generate a fourth data packet based on the response, the fourth data packet compatible with the interface protocol; and transmit, to the computer interface device, the fourth data packet.