Universal Payment Module with Adapter for Multi-Device Compatibility
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Solution Overview
Problem
Conventional snap-on payment modules for mobile and fixed computing devices are designed for specific form factors, requiring reengineering and costly security approvals for each device, making it impractical to use a single module across multiple devices.
Innovation Solution
A universal payment module system with an adapter that allows a single payment module to interface with multiple devices, featuring a common form factor and tamper-resistant design, enabling compliance with regulatory standards without requiring separate testing for each device.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If conventional snap-on modules are designed for specific form factors, then device compatibility is improved, but adaptability and versatility deteriorate
Solution Approach 1:
The patent introduces an adapter as an intermediary component between the universal payment module and various mobile devices. The adapter includes a first connector that interfaces with the payment module and a second connector that interfaces with different mobile device form factors, enabling the single payment module to work with multiple devices without reengineering
Solution Approach 2:
The payment module is designed with a universal form factor and standardized connectors that can interface with multiple types of mobile devices through different adapters. This allows the same payment module to be used across smartphones, tablets, and other mobile computing devices with varying form factors
2Reliability
If reengineering is performed for each device form factor, then device compatibility is improved, but development time and cost increase
Solution Approach 1:
The system is segmented into two independent parts: a universal payment module that remains unchanged and device-specific adapters that handle form factor variations. This segmentation allows the payment module to be developed once and reused across multiple devices, while only the adapters need to be customized for each device type
Solution Approach 2:
The universal payment module is pre-designed and pre-approved for payment card industry security standards (PCI and EMV) before being integrated with any specific device. This preliminary security approval eliminates the need for repeated security reviews and approvals when deploying the module with different devices
3Reliability
If security reviews and approvals are obtained for each device, then payment security is improved, but compliance cost and time increase
Solution Approach 1:
The universal payment module obtains payment card industry security approvals (PCI and EMV) once as a standalone component. This single approval is valid across all devices that use the module through adapters, eliminating the need for separate security reviews and approvals for each device form factor
Data Source
AI summary
The present disclosure provides universal payment module systems and methods for mobile computing devices that include a universal payment module and an associated adapter device for coupling the universal payment module to any of a plurality of mobile computing devices. The present disclosure utilizes a common payment module which can interface multiple mobile computers with differing form factors via a snap-on sled. Advantageously, the present invention allows the leveraging of one payment module for many mobile computers. The single payment module includes various special payment security mechanisms via mechanical, electrical, and software mechanisms. The present disclosure enables design, standardization, and production of one single common, universal payment module for a plurality of mobile computer devices instead of one specific payment module for each form factor of the plurality of mobile computer devices.