Payment card detection for card reader

Patent metadata

Field	Value
Publication number	US-9836626-B1
Application number	US-201414322824-A
Country	US
Kind code	B1
Filing date	Jul 2, 2014
Priority date	Jul 2, 2014
Publication date	Dec 5, 2017
Grant date	Dec 5, 2017

Abstract

Aspects of the technology provide a card reader for facilitating a financial transaction between a buyer and a merchant. In some implementations, the card reader includes an audio plug configured to provide a communicative coupling between the card reader and a smartphone device, and a read head communicatively coupled to the audio plug, the read head being configured to read financial information from a payment card for processing a transfer of funds from the buyer to the merchant. In certain implementations, the card reader further includes a switch coupled to the audio plug, wherein the switch is configured to close in response to the presence of the payment card to enable communication between the card reader and the smartphone via the audio plug.

First claim

What is claimed is:

1. A payment card reader, comprising:
a card slot of the payment card reader;
a read head of the payment card reader disposed within the card slot, wherein the read head is configured to read financial information from a payment card in response to receipt of the payment card into the card slot; and
an electrical switch of the payment card reader, wherein the electrical switch is in an open state preventing a communication path between the payment card reader and a host computing device before receipt of the payment card into the card slot, wherein the electrical switch is changed to a closed state to enable the communication path between the payment card reader and the host computing device in response to receipt of the payment card into the card slot, and wherein the electrical switch automatically returns to the open state after use of the payment card reader.

2. The payment card reader of claim 1 , further comprising:
an audio plug coupled to the payment card reader, wherein the electrical switch is coupled to the audio plug and configured to change to the closed state in response to receipt of the payment card into the card slot, thereby enabling the communication path between the payment card reader and the host computing device via the audio plug.

3. The payment card reader of claim 1 , further comprising:
a plug coupled to the payment card reader; and
a microcontroller coupled to the plug and to the electrical switch, wherein the electrical switch is configured to provide a switch signal to the microcontroller in response to an insertion of the payment card into the card slot, and wherein the microcontroller is configured to enable the communication path between the payment card reader and the host computing device via the plug based at least in part on the switch signal.

4. The payment card reader of claim 3 , wherein the microcontroller is configured to enable the communication path between the payment card reader and the host computing device via the plug based at least in part on an additional input received in addition to the switch signal.

5. The payment card reader of claim 1 , wherein the card slot is configured to receive a magnetic stripe payment card.

6. The payment card reader of claim 1 , wherein the card slot is configured to receive an integrated-circuit (IC) payment card.

7. The payment card reader of claim 1 , wherein the read head disposed within the card slot is configured to read the financial information from a magnetic stripe of the payment card.

8. The payment card reader of claim 1 , wherein the read head disposed within the card slot is configured to read the financial information from an integrated-circuit (IC) of the payment card.

9. The payment card reader of claim 1 , wherein the electrical switch is a mechanical switch configured to be actuated by the payment card upon swiping of the payment card through the card slot, the payment card having a magnetic stripe.

10. The payment card reader of claim 1 , wherein the electrical switch is a mechanical switch configured to be actuated by the payment card in response to a dipping of the payment card into the card slot, the payment card having an integrated-circuit (IC).

11. The payment card reader of claim 1 , wherein the electrical switch is integrated with the read head, and wherein the electrical switch is configured to switch into the closed state in response to a displacement of the read head in response to an adjacent passage of the payment card within the card slot.

12. The payment card reader of claim 1 , wherein the electrical switch is a capacitive switch configured to be toggled into the closed state upon passage of the payment card through the card slot.

13. The payment card reader of claim 3 , wherein the microcontroller is further configured to disable the communication path between the payment card reader and the host computing device via the plug based at least in part on the switch signal.

14. The payment card reader of claim 3 , wherein the microcontroller is further configured to disable the communication path between the payment card reader and the host computing device via the plug based at least in part on an additional input received in addition to the switch signal.

15. The payment card reader of claim 1 , wherein the communication path between the payment card reader and the host computing device is an electrical connection.

16. A method comprising:
preventing a communication path between a payment card reader and a host computing device via an electrical switch in an open state;
receiving a payment card via a card slot of the payment card reader;
triggering the electrical switch from the open state to a closed state in response to receipt of the payment card via the card slot;
enabling the communication path between the payment card reader and the host computing device in response to the triggering of the electrical switch from the open state to the closed state;
reading financial information from the payment card via payment medium reading circuitry of the payment card reader in response to receipt of the payment card via the card slot; and
returning the electrical switch from the closed state back to the open state after use of the payment card reader.

Assignees

• Square Inc

Inventors

• Edwards Troy

Classifications

• G06Q20/353

  Payments by cards read by M-devices · CPC title

• G07F7/0873

  Details of the card reader · CPC title

• G06Q20/3226

  Use of secure elements separate from M-devices · CPC title

• G06K7/01 Primary

  Details · CPC title

• G06K7/0069

  including means for detecting correct insertion of the card, e.g. end detection switches notifying that the card has been inserted completely and correctly · CPC title