Card reader having discriminator contact

Patent metadata

Field	Value
Publication number	US-9760743-B2
Application number	US-201615221383-A
Country	US
Kind code	B2
Filing date	Jul 27, 2016
Priority date	Nov 20, 2014
Publication date	Sep 12, 2017
Grant date	Sep 12, 2017

Abstract

A card reader for a point-of-sale system that is configured to accept both magnetic strip-type and integrated circuit (IC) chip-type payment cards. The card reader is a component of a point-of-sale system including a portable computing device in communication with the card reader that is configured to present a first graphical user interface (GUI) when a magnetic stripe-type card is detected and a second GUI when an IC chip-type card is detected in the card reader. The card reader comprises a slot configured to receive the payment card, a magnetic reading device and an IC chip reading device. The card reader also includes a discriminator contact disposed within the slot that is configured to conduct across a surface of a metal pad of the IC chip-type card prior to the CI chip reading device making contact with the IC chip.

First claim

What is claimed is:

1. A system for use during a point-of-sale transaction, the system comprising:
a slot to receive a transaction card during the point-of-sale transaction;
an integrated circuit (IC) chip reader positioned at least partially along an interior of the slot, the IC chip reader to read transaction information from an IC chip of the transaction card; and
a discriminator positioned at least partially along the interior of the slot, the discriminator to detect that the transaction card includes the IC chip before the IC chip reader reads the IC chip.

2. The system of claim 1 , further comprising a magnetic stripe reader positioned at least partially along the interior of the slot, the magnetic stripe reader to read the transaction information from a magnetic stripe of the transaction card.

3. The system of claim 1 , wherein the discriminator includes two or more electrical contacts to contact a contact pad connected to the IC chip of the transaction card, the two or more electrical contacts to form a complete circuit that conducts across at least a portion of the contact pad of the transaction card, thereby detecting that the transaction card includes the IC chip.

4. The system of claim 1 , wherein the slot includes an opening, and wherein a position of the discriminator is closer to the opening of the slot than a position of the IC chip reader.

5. The system of claim 1 , wherein the IC chip reader is positioned to read the IC chip of the transaction card before the transaction card is fully inserted into the slot.

6. The system of claim 1 , further comprising a controller and a movable stopper, wherein identification that the transaction card includes the IC chip causes the controller to move the movable stopper to a blocking position that prevents the transaction card from being fully inserted into the slot.

7. The system of claim 1 , further comprising a contactless antenna, the contactless antenna to read the transaction information from a near-field-communication (NFC) signal of the transaction card.

8. The system of claim 1 , further comprising a signal transmitter that sends a signal conveying the transaction information to a portable computing device.

9. The system of claim 1 , further comprising a signal transmitter that sends a discriminator signal to a portable computing device, the discriminator signal identifying that the discriminator detected that the transaction card includes the IC chip.

10. A payment terminal comprising:
a card reader configured to receive a transaction card during a point-of-sale transaction;
an integrated circuit (IC) chip reading device included in the card reader that is configured to read card data from an IC chip of the transaction card; and
a discriminator included in the card reader that is configured to detect that the transaction card includes the IC chip before the IC chip reading device reads the card data from the IC chip of the transaction card.

11. The payment terminal of claim 10 , further comprising a controller to send a discriminator signal to a portable computing device, the discriminator signal identifying that the discriminator detected that the transaction card includes the IC chip.

12. The payment terminal of claim 11 , wherein controller sending the discriminator signal to the portable computing device causes the portable computing device to present a graphical user interface, and wherein the card reader of the payment terminal includes a receiver that receives information entered via the graphical user interface.

13. The payment terminal of claim 10 , further comprising a controller to send a card signal conveying the card data to a portable computing device.

14. The payment terminal of claim 10 , further comprising a magnetic reading device configured to read the card data from a magnetic stripe of the transaction card.

15. The payment terminal of claim 10 , wherein the card reader of the payment terminal includes a slot, wherein the integrated circuit (IC) chip reading device and the discriminator are positioned at least partially along an interior of the slot.

16. A system configured to communicate with an integrated circuit (IC) chip card, the system comprising:
a card slot having an opening, the opening to receive a transaction card into the card slot;
a discriminator positioned at least partially along an interior of the card slot, the discriminator to detect that the transaction card includes an integrated circuit (IC) chip; and
a chip reader positioned at least partially along the interior of the card slot, the chip reader to read card data from the IC chip of the transaction card, wherein a position of the discriminator is closer to the opening of the card slot than a position of the chip reader.

17. The system of claim 16 , further comprising a controller to send a discriminator signal identifying that the discriminator detected that the transaction card includes the IC chip.

18. The system of claim 16 , further comprising a controller to send a card signal conveying the card data.

19. The system of claim 16 , further comprising a magnetic stripe reader configured to read the card data from a magnetic stripe of the transaction card.

20. The system of claim 16 , further comprising a controller that identifies that the IC chip of the transaction card is malfunctioning.

Assignees

• Square Inc

Inventors

• Lamfalusi Michael C
• Lamba Kartik

Classifications

• G07F7/088

  the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G07G1/01

  Details for indicating · CPC title

• G06K13/0875

  the arrangement comprising a shutter for blocking at least part of the card insertion slot · CPC title

• G06K7/0004 Primary

  Hybrid readers · CPC title