USB-C EMV Card Reader for Compact Biometric Payments
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Solution Overview
Problem
The need for a compact payment device that can be coupled with a computing or mobile device to facilitate financial transactions has arisen due to the evolution of the payments landscape, driven by financial technology platforms that enable seamless online shopping and money transfers.
Innovation Solution
A payment device with a housing that integrates a smart card interface to read EMV chips and a USB-C or micro-USB connector for connection to computing devices, capable of communicating payment information and biometric authentication, and supporting biometric information loading onto user instruments.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a payment device integrates multiple functions (EMV chip reading, USB connectivity, biometric authentication), then transaction security and convenience are enhanced, but device complexity increases
Solution Approach 1:
The patent combines multiple payment and authentication functions (EMV chip reading, USB connectivity, biometric authentication) into a single integrated payment device. This merging of functions allows the device to perform multiple operations securely while maintaining a unified form factor, resolving the contradiction by achieving enhanced reliability through integration rather than through separate devices.
Solution Approach 2:
The payment device is designed with universal multi-functionality, supporting both contactless EMV chip transactions and biometric authentication methods. This multi-functional design enables the device to adapt to different transaction types and security requirements, enhancing reliability while managing complexity through a single versatile platform.
2Ease of operation
If biometric authentication is implemented, then transaction convenience is improved, but device complexity increases
Solution Approach 1:
The patent replaces traditional mechanical authentication methods (physical card insertion, manual verification) with biometric authentication using fingerprint or facial recognition. This substitution eliminates the need for users to manually input credentials, significantly improving ease of operation while the underlying biometric processing is handled by integrated sensors and algorithms within the device.
3Volume of moving object
If a compact payment device is designed, then portability is improved, but functionality may be limited
Solution Approach 1:
The patent employs a nested design where the payment device can be inserted into or coupled with a mobile device, creating a compact portable unit. The EMV chip reader and other payment components are nested within the housing, allowing the device to maintain a small form factor while still providing comprehensive payment functionality when activated.
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.