Mobile Payment Reader Base with Physical Connector for Phones

This patent describes a base that physically connects to a mobile computing device, allowing it to read payment information from cards and send it to the phone.

What it covers

The apparatus includes a base with reader circuitry designed to interact with a payment object, such as a credit card, to read payment information. A connector protrudes from this base, physically coupling to a mobile computing device. This connector serves two purposes: it conveys the read payment information from the base's reader circuitry to the mobile device, and it also holds the mobile device firmly in place relative to the base. For example, a small business owner could attach their smartphone to this base, then swipe a customer's credit card through the base's reader, with the payment data instantly sent to the phone for processing.

What it doesn't cover

• —Does not cover wireless payment readers that communicate with a mobile device without a physical connector, such as Bluetooth or NFC-only devices.
• —Does not cover systems where the mobile computing device is not physically retained in a fixed position relative to the base by the connector.
• —Does not cover reading non-payment information from objects, as the circuitry is specifically for 'payment information from a payment object'.
• —Does not cover payment systems where the mobile computing device itself contains the primary payment reader circuitry.
• —Does not cover systems where the connector only provides power or data without conveying payment information from the base's reader circuitry.

The clever bit

The novelty lies in combining the payment reader circuitry within a base that not only connects to a mobile device to transfer payment data but also physically retains the device's position, ensuring a stable and integrated payment station.

Why it matters

This technology is important for creating integrated mobile point-of-sale (mPOS) systems. By providing a stable, connected base, it allows mobile devices to function as robust payment terminals, which is crucial for small businesses, mobile vendors, and pop-up shops. It simplifies the process of accepting card payments on the go, making transactions more reliable and efficient.

Real-world examples

• 1.Square Reader for contactless and chip (when used with a dock)
• 2.Clover Go (certain models that physically connect)
• 3.Zettle by PayPal card readers (when used with a physical stand/dock)
• 4.Various third-party mobile payment docks for smartphones