Terminal case with integrated dual reader stack

• US 9,760,740 B1
• Filed: 06/23/2014
• Issued: 09/12/2017
• Est. Priority Date: 06/23/2014
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Square Inc (Block, Inc. (f/k/a Square, Inc.))
• Inventors: Edwards, Troy
• Primary Examiner(s): Danneman, Paul
• Application Number:
  US14/312,524
• Time in Patent Office: 1,177 Days
• Field of Search: None
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G07F 7/0873 Details of the card reader
• CPC Class Codes: G07F 7/0893 the card reader reading the card in a contactless manner

Abstract

Aspects of the technology provide a multi-purpose card reader configured for use with a mobile electronic device (e.g., a mobile host), such as a smart phone or tablet computer. In certain aspects, the card reader is integrated into a case for enclosing the mobile electronic device and configured for reading financial information from a payment card to facilitate a financial transaction between a buyer and a merchant. To facilitate operability of the card reader, the case can include multiple card slots, such as a swipe-slot (e.g., for receiving a magnetic stripe payment card), and a dip-slot (e.g., for use in receiving an IC type payment card).

Claims

1. A mobile point-of-sale (POS) terminal for processing a financial transaction between a buyer and a merchant, the POS terminal comprising:

a register application configured to be executed by a mobile computing device, wherein the register application is configured to receive payment information from the buyer via the mobile computing device, thereby facilitating a transfer of funds from the buyer to the merchant; and

a case mechanically coupled to the mobile computing device, wherein the case comprises;

a first card slot of a plurality of card slots, the first card slot having a magnetic read head disposed within, the first card slot being configured to receive a magnetic stripe payment card from the buyer and to thereby facilitate the magnetic read head reading financial information associated with the buyer from a magnetic stripe of the magnetic stripe payment card, thereby facilitating a transfer of funds from the buyer to the merchant using the register application,

a second card slot of the plurality of card slots, wherein an interior planar surface of the second card slot is disposed parallel to an interior planar surface of the first card slot, the second card slot having projections for contacting an integrated circuit (IC) disposed therein, the second card slot configured receive an IC payment card from the buyer and to thereby facilitate the projections reading financial information associated with the buyer from the IC of the IC payment card, thereby facilitating a transfer of funds from the buyer to the merchant using the register application,

stacked reader circuitry disposed within the case, the stacked reader circuitry comprising first read circuitry and second read circuitry both disposed on a single printed circuit board (PCB), the first read circuitry is mechanically integrated with the magnetic read head and the second read circuitry is mechanically integrated with the projections for contacting the IC of the IC payment card, and

a displacement mechanism configured to allow temporary physical displacement of at least a portion of the stacked reader circuitry upon receipt of a first card into one of the plurality of card slots.

2. The mobile POS terminal of claim 1, wherein the single PCB comprises a first surface and a second surface, and

wherein the first read circuitry is electrically coupled to the PCB on the first surface, and

wherein the second read circuitry is electrically coupled to the PCB on the second surface.

3. The mobile POS terminal of claim 2, wherein the stacked reader circuitry is configured to be communicatively coupled to a mobile electronic device.

4. The mobile POS terminal of claim 2, further comprising a power storage unit, and wherein the power storage unit is configured to supply power to the stacked reader circuitry.

5. The mobile POS terminal of claim 2, wherein the stacked reader circuitry is communicatively coupled to a communication channel, and wherein the communication channel is configured to facilitate a transfer of financial information to a mobile electronic device.

6. The mobile POS terminal of claim 2, wherein the read circuitry is configured to receive power from a mobile electronic device.

7. The mobile POS terminal of claim 1, wherein the stacked reader circuitry further comprises a displacement mechanism, whereby when a card is inserted into either the first card slot or the second card slot, a portion of the stacked reader circuitry can be displaced from a neutral position to accommodate the payment card, and can return to the neutral position when the payment card is removed.

8. The mobile POS terminal of claim 1, wherein the first card slot, stacked reader circuitry, and the second card slot are all aligned in substantially a same plane, such that a cross section of the device would expose a portion of the first card slot, stacked reader circuitry, and the second card slot.

9. The mobile POS terminal of claim 1, wherein the printed circuit board is disposed parallel to the interior planar surface of the first card slot and to the interior planar surface of the second card slot.

10. The mobile POS terminal of claim 1, wherein the case is separably mechanically coupled to the mobile computing device.

11. A case comprising:

a first card slot of a plurality of card slots, the first card slot configured for receiving a magnetic stripe payment card;

a second card slot of the plurality of card slots, wherein an interior planar surface of the second card slot is disposed parallel to an interior planar surface of the first card slot, the second card slot configured for receiving an integrated circuit (IC) payment card;

stacked reader circuitry disposed within the case, the stacked reader circuitry comprising first read circuitry and second read circuitry both disposed on a printed circuit board (PCB), wherein the first read circuitry is mechanically integrated with the first card slot and configured to read financial information from a magnetic stripe of the magnetic stripe payment card upon passage of the magnetic stripe payment card through the first card slot, and wherein the second read circuitry is mechanically integrated with the second card slot and configured to read financial information from an integrated circuit (IC) of the IC payment card upon receipt of the IC payment card into the second card slot; and

a displacement mechanism configured to allow temporary physical displacement of at least a portion of the stacked reader circuitry upon receipt of a first card into one of the plurality of card slots.

12. The case of claim 11, wherein the interior planar surface of the first card slot and the interior planar surface of the second card slot are both disposed parallel to the printed circuit board (PCB).

13. The case of claim 11, wherein the PCB comprises a first surface and a second surface, and wherein the first read circuitry is electrically coupled to the PCB on the first surface, and the second read circuitry is electrically coupled to the PCB on the second surface.

14. The case of claim 11, wherein the PCB comprises a first surface and a second surface, and wherein the first read circuitry and the second read circuitry are each coupled to the PCB on the first surface.

15. The case of claim 11, wherein the stacked reader circuitry is configured to be communicatively coupled to a mobile electronic device.

16. The case of claim 11, further comprising a power storage unit, and wherein the power storage unit is configured to supply power to the stacked reader circuitry.

17. The case of claim 11, wherein the stacked reader circuitry is electrically coupled to a communication channel, and wherein the communication channel is configured to facilitate financial information transfer to a mobile electronic device.

18. The case of claim 11, further comprising a coupling mechanism configured to separably mechanically couple the case to a mobile computing device.

19. A card reader comprising:

a first card slot of a plurality of card slots, the first card slot configured for receiving a magnetic stripe payment card;

a second card slot of the plurality of card slots, wherein an interior planar surface of the second card slot is disposed parallel to an interior planar surface of the first card slot, the second card slot configured for receiving an integrated circuit (IC) payment card;

stacked reader circuitry comprising first read circuitry and second read circuitry, wherein the first read circuitry is mechanically integrated with the first card slot and configured to read financial information from a magnetic stripe of the magnetic stripe payment card upon passage of the magnetic stripe payment card through the first card slot, and wherein the second read circuitry is mechanically integrated with the second card slot and configured to read financial information from an integrated circuit (IC) of the IC payment card upon receipt of the IC payment card into the second card slot; and

a displacement mechanism configured to allow temporary physical displacement of at least a portion of the stacked reader circuitry upon receipt of a first card into one of the plurality of card slots.

20. The card reader of claim 19, wherein the interior planar surface of the first card slot and the interior planar surface of the second card slot are both disposed parallel to a printed circuit board (PCB), wherein the first read circuitry and second read circuitry are electrically coupled to the PCB.

21. The card reader of claim 19, wherein the stacked reader circuitry comprises a printed circuit board (PCB), and wherein the PCB comprises a first surface and a second surface, and wherein the first read circuitry is electrically coupled to the PCB on the first surface, and the second read circuitry is electrically coupled to the PCB on the second surface.

22. The card reader of claim 19, wherein the stacked reader circuitry is configured to be communicatively coupled to a mobile electronic device.

23. The card reader of claim 19, further comprising a power storage unit, and wherein the power storage unit is configured to supply power to the stacked reader circuitry.