Reading payment object upon detection of reader readiness

• US 10,380,389 B1
• Filed: 07/14/2017
• Issued: 08/13/2019
• Est. Priority Date: 12/11/2015
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Square Inc (Block, Inc. (f/k/a Square, Inc.))
• Inventors: Wade, Jeremy
• Primary Examiner(s): Gudorf, Laura A
• Application Number:
  US15/650,713
• Time in Patent Office: 760 Days
• CPC Class Codes: G06F 13/40 Bus structure for computer networks G06F15/163; for optical bus networks H04B10/25
• CPC Class Codes: G06K 7/0013 by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers connectors in general H01R13/00; connectors for SIM cards used in mobile phones or the like H04B1/3816
• CPC Class Codes: G06K 7/0034 the connector being capable of simultaneously receiving a plurality of cards in the same insertion slot
• CPC Class Codes: G06K 7/01 Details
• CPC Class Codes: G06K 7/084 sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
• CPC Class Codes: G06K 7/10009 sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3567 Software being in the reader
• CPC Class Codes: G07F 7/0873 Details of the card reader

Abstract

A payment object reader configured to delay reading data of an integrated circuit payment object in the payment object slot of the payment object reader until the rest of the payment object reader is ready to read data off of the integrated circuit payment object. The payment object reader can be configured to include a microcontroller configured to monitor and manage the payment object contact switch and the integrated circuit payment object interface of the payment object slot of the payment object reader.

Claims

1. A payment object reader comprising:

a microcontroller; and

a non-transitory computer readable medium having instructions stored thereon that, when executed, cause the microcontroller to;

receive a presence detection signal from a presence detector of the payment object reader, the presence detection signal indicating detection by the presence detector that a payment object associated with a customer is present at a payment object reading area associated with the payment object reader,

detect that a first subsystem of the payment object reader is not ready to read the payment object after receiving the presence detection signal from the presence detector of the payment object reader,

delay reading of the payment object by the payment object reader until the first subsystem of the payment object reader is ready to read the payment object, and

signal a payment object reader interface of the payment object reader to read the payment object in response to delaying reading of the payment object until the first subsystem of the payment object reader is ready to read the payment object and after receiving the presence detection signal from the presence detector of the payment object reader.

2. The payment object reader of claim 1, wherein the presence detector includes a mechanical switch, wherein the presence detector detects that the payment object is present at the payment object reading area by detecting that the mechanical switch has switched from a first state to a second state in response to the mechanical switch encountering the payment object at the payment object reading area.

3. The payment object reader of claim 1, wherein the presence detector includes an electrical switch, wherein the presence detector detects that the payment object is present at the payment object reading area by detecting that the electrical switch has switched from an open state to a closed state in response to the electrical switch encountering the payment object at the payment object reading area.

4. The payment object reader of claim 1, wherein the presence detector includes a proximity detector, wherein the presence detector detects that the payment object is present at the payment object reading area by detecting proximity via the proximity detector.

5. The payment object reader of claim 1, wherein receiving the presence detection signal from the presence detector of the payment object reader includes detecting that a voltage at an input line of the microcontroller has changed from a first voltage to a second voltage that is different from the first voltage.

6. The payment object reader of claim 1, wherein signaling the payment object reader interface of the payment object reader to read the payment object includes changing a voltage at an output line of the microcontroller from a first voltage to a second voltage that is different from the first voltage.

7. The payment object reader of claim 1, wherein the payment object is a payment card, and wherein the payment object reading area is a slot.

8. The payment object reader of claim 1, wherein the payment object is a near field communication (NFC) enabled payment object, and wherein the payment object reading area is a range of an NFC interface of the payment object reader interface.

9. The payment object reader of claim 1, wherein the presence detection signal indicates detection by the presence detector that the payment object is an integrated circuit (IC) chip card, and wherein the first subsystem of the payment object reader is at least a portion of an integrated circuit (IC) chip card reader interface, wherein the IC chip card reader interface is at least a portion of the payment object reader interface.

10. The payment object reader of claim 1, wherein the presence detection signal indicates detection by the presence detector that the payment object is a magnetic stripe card, and wherein the first subsystem of the payment object reader is at least a portion of a magnetic stripe card reader interface, wherein the magnetic stripe card reader interface is at least a portion of the payment object reader interface.

11. The payment object reader of claim 1, wherein the presence detection signal indicates detection by the presence detector that the payment object is a near field communication (NFC) object, and wherein the first subsystem of the payment object reader is at least a portion of a NFC object reader interface, wherein the NFC object reader interface is at least a portion of the payment object reader interface.

12. The payment object reader of claim 1, wherein the instructions, when executed, cause the microcontroller to convey power to the first subsystem of the payment object reader in response to receipt of the presence detection signal from the presence detector.

13. A method for facilitating transaction processing using a payment object reader, the method comprising:

receiving a presence detection signal from a presence detector of the payment object reader, the presence detection signal indicating detection by the presence detector that a payment object associated with a customer is present at a payment object reading area associated with the payment object reader;

detecting that a first subsystem of the payment object reader is not ready to read the payment object after receiving the presence detection signal from the presence detector of the payment object reader

delaying reading of the payment object by the payment object reader until the first subsystem of the payment object reader is ready to read the payment object; and

signaling a payment object reader interface of the payment object reader to read the payment object in response to delaying reading of the payment object until the first subsystem of the payment object reader is ready to read the payment object and after receiving the presence detection signal from the presence detector of the payment object reader.

14. The method of claim 13, further comprising conveying power to the first subsystem of the payment object reader in response to receipt of the presence detection signal from the presence detector.

15. The method of claim 13, wherein the first subsystem includes at least a portion of the payment object reader interface.

16. The method of claim 13, wherein presence detection signal indicates detection by the presence detector that the payment object is of a first payment object type of a plurality of payment object types, the plurality of payment object types including a magnetic stripe card type, an integrated circuit (IC) chip card type, and a near field communication (NFC) object type.

17. A payment object reader comprising:

a presence detector, wherein the presence detector detects that a payment object associated with a customer is present at a payment object reading area associated with the payment object reader; and

a payment object reader interface, wherein the payment object reader interface reads the payment object in response to detection by the presence detector that the payment object is present at the payment object reading area and in response to delaying reading of the payment object until a first subsystem of the payment object reader is ready to read the payment object.

18. The payment object reader of claim 17, wherein the presence detector includes a mechanical switch, wherein the presence detector detects that the payment object is present at the payment object reading area by detecting that the mechanical switch has switched from a first state to a second state in response to the mechanical switch encountering the payment object at the payment object reading area.

19. The payment object reader of claim 17, wherein the presence detector includes an electrical switch, wherein the presence detector detects that the payment object is present at the payment object reading area by detecting that the electrical switch has switched from an open state to a closed state in response to the electrical switch encountering the payment object at the payment object reading area.

20. The payment object reader of claim 17, wherein the presence detector includes a proximity detector, wherein the presence detector detects that the payment object is present at the payment object reading area by detecting proximity via the proximity detector.