Transaction object reader with digital signal input/output and internal audio-based communication

• US 10,410,021 B1
• Filed: 12/08/2017
• Issued: 09/10/2019
• Est. Priority Date: 12/08/2017
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Block, Inc. (f/k/a Square, Inc.)
• Inventors: Razaghi, Mani, Laucks, Joseph, Martin, Jeremy
• Primary Examiner(s): Ly, Toan C
• Application Number:
  US15/836,691
• Time in Patent Office: 641 Days
• Field of Search: 235440, 235449
• CPC Class Codes: G06K 13/067 Checking presence, absence, correct position, or moving status of cards
• CPC Class Codes: G06K 7/083 inductive G06K7/10336 takes precedence
• CPC Class Codes: G06K 7/087 flux-sensitive, e.g. magnetic, detectors G06K7/10336 takes precedence
• CPC Class Codes: G06K 7/089 hand-held scanners
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G07F 7/0873 Details of the card reader
• CPC Class Codes: H04M 17/02 Coin-freed or check-freed systems , e.g. mobile- or card-operated phones, public telephones or booths
• CPC Class Codes: H04M 17/023 Circuit arrangements
• CPC Class Codes: H04M 17/026 Constructional features
• CPC Class Codes: H04W 4/24 Accounting or billing

Abstract

A card reader includes a digital connector such as a Universal Serial Bus (USB) plug or an Apple® Lightning® plug. The digital connector includes a corresponding connector interface, which provides voltage to at least a card reader interface and an integrated circuit (IC) of the card reader. The card reader interface outputs an analog transaction information signal upon reading the card. The IC generates a digital version of the analog transaction information signal, encrypts the digital version, converts that into an analog audio signal. The audio signal can then be sent to the connector interface, which converts it into a digital signal such as a USB or Apple® Lightning® signal that is sent by the digital connector to a mobile device. Alternately, the audio signal can be sent to a microcontroller that converts the audio signal to a digital format such as USB, and then to the digital connector.

Claims

1. A magnetic stripe card reader device having a first digital connector that communicates with a second digital connector of a mobile device, and having an internal analog signal path, the magnetic stripe card reader device comprising:

a housing;

a neck extending from a surface of the housing;

a magnetic stripe read head in the housing, wherein the magnetic stripe read head reads analog magnetic stripe information from a magnetic stripe card in response to the magnetic stripe card passing through a slot in the housing;

an integrated circuit (IC) in the housing, wherein the IC receives the analog magnetic stripe information from the magnetic stripe card read head, wherein the IC generates a digital version of the analog magnetic stripe information, wherein the IC generates an analog audio signal based on the digital version, and wherein the IC sends the analog audio signal to a digital connector interface via the internal analog signal path;

the digital connector interface partially in the neck and partially in the housing, wherein the digital connector interface receives the analog audio signal via the internal analog signal path, wherein the digital connector interface generates a digital signal based on the analog audio signal, wherein the digital connector interface sends the digital signal to the first digital connector, and wherein the digital connector interface outputs a microphone bias voltage to provide power to the IC; and

the first digital connector extending from the neck, wherein the first digital connector sends the digital signal to the second digital connector of the mobile device.

2. The magnetic stripe card reader device of claim 1, further comprising a metal shield that encloses and is secured to the digital connector interface, wherein a first portion of the metal shield is disposed within the neck, wherein a second portion of the metal shield is disposed within the housing and is wider than the neck, the second portion of the metal shield thereby preventing the first digital connector and the digital connector interface from detaching from each other in response to a force that pulls the first digital connector away from the housing.

3. The magnetic stripe card reader device of claim 1, wherein the first digital connector is a plug, and wherein the second digital connector is a port that receives the plug.

4. The magnetic stripe card reader device of claim 1, further comprising:

a flex circuit that is flexible and within the housing, wherein the magnetic read head and the IC are on the flex circuit; and

an interposer that is rigid and within the housing, wherein a first end of the interposer is coupled to the digital connector interface, wherein a second end of the interposer is coupled to the flex circuit.

5. The magnetic stripe card reader device of claim 1, wherein the first digital connector and the second digital connector are APPLE®

LIGHTNING®

connectors.

6. The magnetic stripe card reader device of claim 5, wherein the digital connector interface includes an analog-to-digital converter (ADC) that converts the analog audio signal into the digital signal.

7. The magnetic stripe card reader device of claim 5, further comprising an authorization chip, wherein the digital connector interface generates the digital signal according to an APPLE®

LIGHTNING®

communication protocol based on information provided by the authorization chip.

8. The magnetic stripe card reader device of claim 1, wherein the first digital connector and the second digital connector are Universal Serial Bus (USB) connectors, and further comprising:

a microcontroller that converts the analog audio signal to the digital signal based on the analog audio signal, wherein the digital signal conforms to a USB data protocol.

9. The magnetic stripe card reader device of claim 1, wherein the first digital connector and the second digital connector are Universal Serial Bus (USB) connectors, and wherein the digital signal includes the analog audio signal conveyed via an audio adapter accessory mode associated with the USB connectors.

10. The magnetic stripe card reader device of claim 1, wherein the analog audio signal is an analog microphone audio signal.

11. The magnetic stripe card reader device of claim 1, further comprising a battery disposed within the housing, wherein the IC and the magnetic stripe read head are powered by the battery, wherein the microphone bias voltage charges the battery.

12. The magnetic stripe card reader device of claim 1, wherein the IC encrypts the digital version of the analog magnetic stripe information, wherein the analog audio signal conveys an encrypted version of the digital version of the analog magnetic stripe information.

13. The magnetic stripe card reader device of claim 1, wherein the IC converts the digital version of the analog magnetic stripe information into American Standard Code for Information Interchange (ASCII).

14. A transaction object reader device having a first digital connector that communicates with a second digital connector of a mobile device, and having an internal analog signal path, the transaction object reader device comprising:

a transaction object reader interface that reads analog transaction information from a transaction object in response to the transaction object moving into a proximity of the transaction object reader interface;

an integrated circuit (IC) that receives the analog transaction object information from the transaction object reader interface, wherein the IC generates a digital version of the analog transaction information using at least one analog to digital converter (ADC), wherein the IC outputs an analog signal based on the digital version along the internal analog signal path;

a digital connector interface that generates a digital signal based on the analog signal, wherein the digital connector interface also outputs a microphone bias voltage to provide power to at least the IC; and

the first digital connector, wherein the first digital connector sends the digital signal to the second digital connector of the mobile device.

15. The transaction object reader device of claim 14, wherein the voltage provided by the digital connector interface is supplied by the second digital connector of the mobile device to the first digital connector.

16. The transaction object reader device of claim 14, wherein the transaction object is a magnetic stripe of a transaction card, and wherein the transaction object reader interface is a magnetic stripe read head.

17. The transaction object reader device of claim 14, wherein the transaction object is a Europay/Mastercard/Visa (EMV) chip of a transaction card, and wherein the transaction object reader interface is an EMV chip reader.

18. The transaction object reader device of claim 14, wherein the transaction object is a wireless near field communication (NFC) signal from a NFC-capable transaction object, and wherein the transaction object reader interface is an NFC transceiver.

19. A method of facilitating a transaction using a card reader with a digital connector and an internal analog path, the method comprising:

receiving an input voltage from a mobile device via the digital connector;

outputting a microphone bias voltage from a digital connector interface coupled to the digital connector to provide power to at least an integrated circuit (IC);

providing power to a card reader interface using the digital connector interface;

reading analog transaction information from a transaction card using the card reader interface in response to providing power to the card reader interface;

generating a digital version of the analog transaction information using the IC;

generating an analog signal based on the digital version using the IC;

generating a digital signal from the analog signal at a digital connector interface associated with the digital connector; and

sending the digital signal to the mobile device via the digital connector.

20. The method of claim 19, further comprising:

encrypting the digital version of the analog transaction information using the IC.