USB-C EMV Card Reader With Biometric Payment Authentication
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Solution Overview
Problem
There is a need for a compact payment device that can be coupled with a computing or mobile device to facilitate financial transactions, addressing the changing landscape of payments facilitated by financial technology platforms.
Innovation Solution
A payment device with a housing featuring a slot for a user instrument and a USB-C or micro-USB connector, capable of reading an EMV chip and communicating payment information to a computing device, which also includes biometric authentication and biometric information loading capabilities.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a payment device integrates multiple functions (EMV chip reading, biometric authentication, biometric information loading), then security and usability are enhanced, but device complexity increases
Solution Approach 1:
The patent combines multiple payment-related functions (EMV chip reading via smart card interface, biometric authentication via fingerprint sensor, and biometric information loading) into a single compact payment device. This merging of functions enhances security and usability while maintaining a unified device structure that avoids the need for multiple separate devices.
Solution Approach 2:
The payment device is designed as a universal device that can perform multiple functions: reading EMV chips from payment cards, authenticating users through biometric verification, and loading biometric information onto cards. This multi-functionality allows the device to serve various payment and security needs through a single apparatus.
2Ease of operation
If a compact payment device is designed with USB-C or micro-USB connector, then portability and ease of coupling with computing devices are improved, but the size constraints may limit internal component integration
Solution Approach 1:
The payment device is designed as a compact, portable unit with a standardized USB-C or micro-USB connector that segments the payment functionality from larger computing devices. This segmentation allows the payment device to be a standalone, portable unit that couples easily with various computing devices through standard connectors while maintaining a small form factor.
Data Source
AI summary
A payment device comprising of a housing, a slot for insertion of a user instrument located on a front surface of the housing, and wherein the housing includes a smart card interface integrated circuit that is configured to read an EMV chip located on the user instrument, and a universal serial bus (USB) type C male connector configured to be inserted into a female connector on a computing device, wherein the USB type C male connector is located on a back surface of the housing, and wherein a size of the USB type C male connector is configured so that when the USB type C male connector is inserted into the female connector on the computing device, the back surface of the housing is within a distance of three centimeters of a surface of the computing device.