System and method for near field communications payment
AssigneeStripe, Inc.
InventorsHwai Sian Tsai, Wayne Gan, Chi Wah Lo
Life of this patent
Estimating the term…
Abstract
A card detection subsystem for control of a payment card reader, where the payment card reader comprises a magnetic stripe reader (MSR), an integrated circuit card (ICC) reader, and a near field communications (NFC) reader, and the NFC reader comprises an antenna. The card detection subsystem includes a processor, a storage, and one or more sensors. The one or more sensors detect a payment card and the antenna is either turned on or turned off based on the detection of the payment card.
Claims20
A card detection subsystem for control of a payment card reader, wherein the payment card reader comprises a near field communications (NFC) reader, a magnetic stripe reader (MSR), and an integrated circuit card (ICC) reader, and the NFC reader comprises an antenna, the card detection subsystem comprising:
- a storage;
- one or more sensors to detect a payment card;
- and
- a processor to:
- estimate a likelihood of use of the NFC reader, the MSR, and the ICC reader based on the detection of the payment card,
- determine whether the NFC reader, the MSR, or the ICC reader has a highest likelihood of being used based on the estimate of the likelihood of use of the NFC reader, the MSR, and the ICC reader, and
- in response to determining that the MSR or the ICC reader has the highest likelihood of being used, turn off the antenna of the NFC reader;
- wherein:
- the MSR, the ICC reader, and the antenna of the NFC reader are initially turned on;
- and
- the antenna of the NFC reader is either turned on or turned off based on the estimate of the likelihood of use of the NFC reader, the MSR, and the ICC reader.
A method of control of a payment card reader, wherein
- the payment card reader comprises a near field communications (NFC) reader, a magnetic stripe reader (MSR), and an integrated circuit card (ICC) reader, and the NFC reader comprises an antenna, the method comprising:
- detecting, by one or more sensors, a payment card;
- estimating a likelihood of use of the NFC reader, the MSR, and the ICC reader based on the detection of the payment card;
- determining whether the NFC reader, the MSR, or the ICC reader has a highest likelihood of being used based on the estimating of the likelihood of use of the NFC reader, the MSR, and the ICC reader;
- and
- in response to determining that the MSR or the ICC reader has the highest likelihood of being used, turning off the antenna of the NFC reader;
- wherein the MSR, the ICC reader, and the antenna of the NFC reader are initially turned on.
A method of reducing accidental reading of a payment card in a payment card reader comprising a near field communications (NFC) reader, a magnetic stripe reader (MSR), and an integrated circuit card (ICC) reader, wherein the NFC reader comprises an antenna, the method comprising:
- detecting, by one or more sensors, the payment card;
- estimating a likelihood of use of the NFC reader, the MSR, and the ICC reader based on the detection of the payment card;
- determining whether the NFC reader, the MSR, or the ICC reader has a highest likelihood of being used based on the estimating of the likelihood of use of the NFC reader, the MSR, and the ICC reader;
- and
- in response to determining that the MSR or the ICC reader has the highest likelihood of being used, turning off the antenna of the NFC reader;
- wherein the MSR, the ICC reader, and the antenna of the NFC reader are initially turned on.
Dependencies are inferred from the claim text.