This Application is a Section 371 National Stage Application of International Application PCT/EP2019/078664, filed Oct. 22, 2019, which is incorporated by reference in its entirety and published as WO 2020/094382 A1 on May 14, 2020, not in English.
The present technique relates to the field of payment and more specifically to the field of contactless payment, for example via contactless electronic payment terminals or contactless electronic payment accessories, referred to as payment devices below.
Contactless payment devices allow a user to carry out a transaction from a bank card or a mobile terminal, for example a smartphone, without inserting the card and without entering the confidential code. Payment, based on NFC (“Nier Field Communication”) technology, is made between the chip of the card or smartphone, and the payment device positioned a few centimetres away. Most of the time, the payment device is equipped with a contactless payment logo indicating to the user where to place their card or smartphone.
There is a variety of these payment devices, which are fixed or mobile, and in particular compact payment accessories intended to be fixed to a support, such as a counter or a wall, for example. These payment accessories are for example wired to a communication network, can be power supplied via a power cable, and allow contactless payment when a user brings their smartphone or payment card. Therefore, the contactless payment logo, often affixed to the surface of the payment device, must be correctly oriented, that is to say facing the user when the latter wishes to make a payment.
Conventionally, this contactless payment logo is screen-printed directly on the top cover of the payment device, which restricts the possibilities of positioning the payment device on its support in order to ensure that the user has good readability of the contactless payment logo.
However, these payment devices must also have a small space requirement, which implies design constraints for their architecture. While current techniques allow to benefit from increasingly small electronic components, the connectors, and in particular the cables (networks, power supply, or linked to other functionalities) which connect the payment device to the communication network (or to a power supply source, etc), remains bulky and must be optimised, in order to obtain optimum compactness, and above all minimum thickness. For this purpose, cable entry techniques are used but they sometimes generate a positioning of the cable outlet that is not compatible with a correct orientation of the contactless payment logo.
Therefore, the design of this type of payment devices must take into account a plurality of constraints, among which the security of the payment device, that is to say a device that cannot be dismounted or that is secure with regard to access to the sensitive elements that compose it, the compactness and the good orientation of the regulatory contactless payment logo.
There is therefore a need for a contactless payment device which is compact and ergonomic, while complying with the security constraints related to the contactless payment.
The present technique provides an ergonomic and simple means of overcoming the disadvantages of the solutions of the prior art, via a visual indicator support, intended to be assembled irreversibly on an outer face of a payment device. According to the various embodiments of the proposed technique, the support is configured to assume an orientation position wherein, when assembled with the payment device, it is mobile in rotation about an axis substantially perpendicular to the face of the payment device.
Thus, the technique presented proposes a new and inventive solution for the positioning of a visual indicator (for example a contactless payment logo) on a payment device allowing the visual indicator to be orientable while complying with the constraints of security related to payment devices and allowing optimisation of the compactness of the payment device.
For this purpose, the visual indicator is positioned (either screen-printed/printed or glued) on a support intended to be assembled on the cover of the payment device, this support being orientable independently of the payment device. In this way, the visual indicator can be oriented so that it is readable for a user, regardless of the position of the payment device (for example fixed on a wall, on a counter, etc.).
Thus, when designing the payment device itself, it is no longer necessary to take into account the positioning of the visual indicator (which is fixed on the payment device according to the techniques of the prior art), because it is made orientable by the present technique. It is therefore possible in particular to provide the connectors and organisation of the cables (network, power supply, etc.) in the payment device and their exit from the payment device, so that the payment device is as compact as possible.
Finally, the security of the payment device is ensured by the irreversible nature of the assembly, which prevents access to the interior of the payment device. Indeed, once assembled on the payment device, the visual indicator support cannot be dismounted without damaging the payment device itself, thanks to assembly means allowing both to be non-dismountable while being able to assume a mobile orientation position.
According to a particular aspect, the visual indication support comprises assembly means cooperating with receiving means of the payment device, the assembly means having at least one irreversible assembly element intended to cooperate with at least one corresponding irreversible receiving element on the payment device.
Thus, according to this embodiment, the assembly means of the visual indicator support cooperating with receiving means of the payment device, are provided so as to ensure an irreversible assembly of the support, in the locking position described below, thanks to an irreversible assembly element.
The implementation of these assembly means, and of the irreversible assembly element, of the visual indicator support (and of the corresponding receiving means on the payment device) may differ in particular according to the respective shapes of the visual indicator support and the receiving location provided on the payment device.
For example, if the assembly means are formed by a central clip or a central rod (for example when the support is substantially square in shape), the irreversible assembly element is formed by a lug, cooperating with a corresponding irreversible receiving element in the payment device. If the assembly means are formed by circular walls (for example when the support is substantially circular in shape), the irreversible assembly element is formed by elastic elements which deform when inserting the support to “pass” a corresponding irreversible assembly element of the payment device (for example a part of the light guide) and resuming their shape so as to block any removal of the visual indicator support.
According to one particular feature, the support is configured to assume a locking position, when assembled with the payment device, wherein it is not mobile in rotation about the axis.
Thus, according to this embodiment, the visual indicator support can also assume a position wherein it is no longer mobile (and therefore no longer orientable), thus preventing it from assuming an unwanted position. For this purpose, the assembly means, cooperating with the receiving means of the payment device, are provided so as to allow these two orientation and locking positions.
This embodiment applies more particularly to a visual indicator support which cannot be oriented when it is positioned/pressed into a receiving location provided on the payment device, for example when the support and the receiving location both have a non-circular shape (for example a substantially square shape).
According to a particular aspect, the assembly means further have at least one locking element ensuring the locking position.
Thus, according to this embodiment, a locking element is provided on the assembly means, for example a 2nd lug on a central clip.
According to a particular embodiment, the visual indicator support has a non-circular shape substantially identical to the shape of a receiving location provided on the outer face of the payment device and, in the orientation position, the support is positioned above the receiving location.
Thus, according to this embodiment, the payment device has a location for receiving the visual indicator support, so that the latter is flush with the surface of the payment device, when it is assembled in the locking position. In this way, the visual indicator support appears to be an integral part of the payment device and cannot be moved by mistake when the payment device is being used (for example when a user presents their payment card or their smartphone).
Thus, when the visual indicator support is square in shape, it cannot move when in a receiving location having the same shape. It can only move when it is partially removed from this location. For more security, the support can therefore only be partially dismounted to orient it: it is lifted a little to be rotated then it is pushed in to be fixed, it is captive and the security of the payment device is ensured.
According to a particular aspect, the support is assembled to the payment device in a receiving location formed by a light guide provided on the outer face of the payment device and the support is mobile in rotation independently of the light guide, in the orientation position.
Thus, according to this embodiment, the security of the payment device is ensured thanks to the independence of the visual indicator support with respect to the light guide which allows the backlighting, which ensures the protection in particular of the electric card of the payment device. For this purpose, the light guide is solid under the visual indicator support, including at the element(s) for fixing the support in the payment device, so that the interior of the payment device is not accessible even when the visual indicator support is dismounted.
According to one particular feature, the support has an outer face carrying a visual indicator and an inner face and the assembly means are formed by a rod extending from the inner face of the support, the rod comprising at least two branches spaced by a clearance and each having at least one of the irreversible assembly elements.
Thus, according to this embodiment, the means for assembling the support on the payment device are formed by a clip or a rod, central or not, formed of two branches, so as to allow the support to assume the different orientation, assembly and locking positions.
In addition, each branch has for example at least one lug on its outer face to allow irreversible assembly, this lug cooperating for example with a narrowing of the passage in the payment device, preventing the removal of the visual indicator support from the payment device.
For example, the branches also each have at least one of the locking elements.
Thus, according to this embodiment, each branch forming the means for assembling the support on the payment device also has, for example, at least one second lug on its outer face to allow the support to be locked in the payment device, this second lug cooperating for example with a narrowing of the passage, in the payment device, which may be the same as that allowing the irreversible assembly.
According to a particular aspect, the visual indicator support has a substantially circular shape and an outer face carrying the visual indicator and an inner face and the assembly means are formed by at least a portion of a ring extending substantially perpendicularly from the inner face of the support, the portion having at least one of the irreversible assembly elements.
Thus, according to this embodiment, the visual indicator support is of substantially circular shape and the assembly means are formed by at least one rounded wall, for example one or more portions of a sort of ring, circular as the visual indicator support. Such a visual indicator support can assume a plurality of positions, in a location which is also circular of substantially identical size.
Thus, for example, when the visual indicator support and the receiving location are both substantially circular in shape and of substantially the same size, the visual indicator support can be mobile even when fully pressed into the receiving location. In this case, moreover, the orientation and locking positions correspond in fact only to a single position, and the corresponding assembly and receiving means must simply be provided to allow the irreversible assembly of the support on the payment device.
According to a particular aspect, the visual indicator support has gripping means on its outer face.
Thus, according to this embodiment, one or more attachment elements are present on the outer surface of the visual indicator support, allowing in particular, when it is circular in shape, to rotate it in its location, even if it does not protrude from this location.
This technique also relates to a payment device comprising:
In addition, the payment device is configured so that the visual indicator support assumes an orientation position wherein, when assembled with the payment device, it is mobile in rotation about an axis substantially perpendicular to the outer face of the payment device.
Thus, the present technique also relates to a payment device configured to receive a visual indicator support as described above. For this purpose, the payment device must be shaped on the one hand to receive the visual indicator support, but also to keep it fixed while allowing its orientation.
The payment device must therefore not only have a location for receiving the part of the visual indicator support having the logo, so that the visual indicator support does not protrude from the surface of the payment device, once assembled, but also at least one location for receiving the elements for fixing the visual indicator support.
According to a particular aspect, the receiving means comprise at least one irreversible receiving element intended to cooperate with at least one irreversible assembly element of the support.
Thus, according to this embodiment, the payment device has irreversible assembly means corresponding to those provided on the visual indicator support, such as for example:
According to one particular feature, the receiving means comprise at least one locking receiving element intended to cooperate with at least one locking element of the support.
Thus, according to the first embodiment (non-circular visual indicator support), it is the same element as that of irreversible assembly, that is to say for example a narrowing. However, because the locking lug is smaller than the irreversible assembly lug, the locking lug can pass through the narrowing in the direction of removal.
As the 2nd embodiment (circular visual indicator support) does not have a locking position, the payment device does not have a locking receiving element.
According to a particular aspect, the receiving location is formed by a light guide preventing access to the interior of the payment device.
Thus, according to this embodiment, provision is made for the location for receiving the visual indicator support, in the payment device, to be formed by a solid light guide, thus ensuring the protection of the electronic card of the payment device by preventing any access to the electronic card when the visual indicator support is removed.
Thus, such a payment device is configured to receive a visual indicator support as described above, according to the different embodiments.
The present technique therefore also relates to a system comprising a visual indicator support assembled to a payment device, as described above, according to the various embodiments.
These features, as well as others, will appear more clearly upon reading the following description of an embodiment, given by way of simple illustrative and non-limiting example, and the appended figures, among which:
The general principle of the present technique lies in the possibility of orienting a visual indicator on a payment device, in order to make it visible to users, regardless of the position of the payment device and without requiring constraints on the architecture/the design of the payment device itself. A visual indicator within the meaning of this technique corresponds, for example, to a contactless payment logo, an advertising logo, or even a warning related to the use of the payment device.
For this purpose, the technique provides an orientable visual indicator support when it is assembled to the payment device.
In addition, the present technique allows to comply with the security constraints of payment devices, thanks to a particular configuration of the payment device and more particularly of the location provided for receiving the visual indicator support, via a light guide. The security of the payment device having such a visual indicator support is also ensured by the irreversible nature of the assembly provided by this technique. Indeed, as described below, the visual indicator support cannot be removed from the payment device without damaging both of them. However, if the payment device is damaged, the known intrusion detection techniques are therefore activated, then preventing the use of the payment device.
Thus, the proposed technique, according to its various embodiments illustrated by the various figures described below, proposes a visual indicator support 10 intended to be assembled irreversibly on an outer face of a payment device 11, the support 10 being configured to assume an orientation position wherein, when assembled with the payment device 11, it is mobile in rotation about an axis substantially perpendicular to the face of the payment device 11. In this way, the visual indicator can always be oriented so as to be visible to users, regardless of the orientation of the payment device itself, since the visual indicator support is orientable independently of the payment device to which it is assembled.
In relation to
Thus, the visual indicator support and the payment device according to this first embodiment allow to orient the visual indicator, or the logo, in an ergonomic manner for the user, regardless of the position of the payment device.
In addition, a light guide 12, present in the payment device, allows the backlighting of the visual indicator, for example over its entire perimeter, thus optimising ergonomics for the user, while ensuring the security of the interior of the payment device, as described in more detail below.
These
A visual indicator support 10 is now presented in more detail according to the first embodiment described above, as illustrated in
This
The assembly of the visual indicator support to the payment device is ensured by assembly means 100 cooperating with receiving means 110 of the payment device (not shown in
In the particular variant illustrated in
In addition, as already indicated, the proposed technique provides for the assembly of the visual indicator support to the payment device to be irreversible, thanks to at least one irreversible assembly element 1001, carried by the assembly means 100. In order to ensure the irreversible assembly, this irreversible assembly element 1001 is intended to cooperate with at least one corresponding irreversible receiving element 1101 on the payment device (not illustrated in
According to this variant illustrated in
Finally, such a visual indicator support is configured to assume the following two positions:
This locking position requires specific means formed by at least one locking element 1002, illustrated for example in
As illustrated in
The various positions of the visual indicator support, as well as the interactions between the elements of the visual indicator support and the payment device, are illustrated in particular by
This implementation of the light guide 12 as a receiving location 14 of the visual indicator support 10 allows the implementation of the invention while complying with the constraints of securing a payment device. Indeed, the implementation of a visual indicator support which can assume in particular an orientation position wherein it is above its location could generate a security breach, if this allowed access to the inside of the payment device, which is not the case according to the proposed technique.
This
Then, when these two branches 101 and 102 continue their engagement to arrive at the orientation position of the visual indicator support 10 illustrated, in section, in
Thus, in this orientation position illustrated in
Due to the substantially square shape of both the visual indicator support 10 and the receiving location 14, the visual indicator support 10 can assume four different positions, as illustrated in
This orientation position therefore allows in particular the merchant who wishes to use the payment device, or the installer of the payment device, to position the visual indicator so that it is visible to users, once the position of the payment device itself is determined. For example, when the payment device corresponds to a contactless payment terminal fixed to a wall, the installer is forced to take into account in particular the cable outlet 13 to determine the position of the payment device 11, in order to ensure connections optimally. Once the position of the payment device 11 is determined, they can then orient the visual indicator support 10 so that the visual indicator corresponding to the contactless payment logo is in the right direction for users. According to another example, when the payment device 11 is fixed on a counter of a merchant, the latter also determines the position of the payment device 11 according to the outlet of the cables and the connections to be made. Here again, once the payment device 11 is positioned correctly to ensure these connections, the merchant can then orient the visual indicator support 10 so that the visual indicator corresponding to the contactless payment logo is in the right direction for the users.
In the two examples described above, once the optimum orientation is chosen for the visual indicator support 10, the latter must no longer be mobile during the operation of the payment device 11. The visual indicator support 10 must therefore be able to assume a locking position in the payment device 11, as illustrated by the sectional view of
As illustrated in
The present technique also provides means allowing the visual indicator support 10 to switch from this locking position, corresponding to the use of the payment device 11, to the orientation position already described, for example when the payment device 11 must be moved and this results in the need to orient the visual indicator to a different position.
For this purpose, a first variant consists in providing an unlocking area 15 formed on the outer surface of the payment device 11 opposite to that receiving the visual indicator support 10, that is to say at the back of the payment device 11, as illustrated in
In this way, it suffices to exert pressure, indicated by the thick black line arrow, on the end of the two branches 101 and 102 so that they come closer to one another, thanks to the displacement made possible by the clearance 103, and that the two locking elements 1002 thus cross the narrowing 1101. This pressure can be exerted for example by a finger of the installer or the merchant. Switching from the locked position to the orientation position thus does not require any specific tool, while being secure in the sense that this switching cannot be carried out accidentally by simply touching the back of the payment device or even by a simple handling of the payment device. A specific pressure action, precisely at the unlocking area, is necessary.
According to another variant, illustrated by
A visual indicator support 10 is now presented in more detail according to the second embodiment already mentioned in relation to
According to this second embodiment, the visual indicator support has a substantially circular shape, as does the receiving location 14 provided on the payment device 11.
As for the first embodiment, the visual indicator support 10 has an outer face 10a carrying said visual indicator and an inner face 10b.
On the other hand, the assembly means 100 are different from those described according to the first embodiment. This difference is explained in particular by the fact that the circular shape of the visual indicator support causes a different operation.
Thus, due to this shape which is substantially circular and substantially identical to that of the receiving location 14 provided in the payment device 11, the visual indicator support 10 can assume a plurality of positions and can be oriented without requiring to be maintained above this location 14. Thus, the orientation position also corresponds to the locking position. This second embodiment therefore no longer requires separate irreversible assembly and locking means. In addition, this second embodiment allows the visual indicator support 10 to no longer pass through the payment device 11, reinforcing the security of the payment device 11 and allowing the implantation of components in the payment device 11, under the visual indicator support 10 (see below).
Thus, according to this second embodiment, the assembly means 100 are formed by one or more portions of a ring extending substantially perpendicularly from the inner face 10b of the visual indicator support 10, as can be seen more particularly in
This implementation of the assembly means 100 allows in particular, as illustrated in the sectional view of
According to this second embodiment, the assembly means 100 also have at least one irreversible assembly element 1001, also implemented in a different manner compared to the first embodiment.
Thus, as illustrated in the sectional view of
This is indicated in
According to this second embodiment, the assembly means 100 therefore rotate at the same time as the visual indicator support 10 when it is oriented.
Therefore, according to another variant, provision is also made of braking means, for example by friction, so as to prevent the visual indicator support 10 from rotating without this being intended (for example when a user touches the payment device, and therefore the visual indicator support, during its use, by placing their payment card for example).
These braking means are shown in the thick black line circle, in
Moreover, in order to ensure the proper functioning of this second embodiment, gripping means 104 are provided on the outer face 10a of the visual indicator support 10, so as to facilitate its orientation. Indeed, the visual indicator support 10 being fitted in the receiving location 14 provided in the payment device 11, these gripping means 104 make it easier to rotate it in this location 14, in particular when braking means as described above are implemented. These gripping means 104 may correspond, for example, to raised attachment points for the finger of the installer or the merchant who wishes to orient the visual indicator support 10 once the payment device 11 is positioned for use. These attachment points can take any shape that allows a user to rotate the visual indicator support into place.
It should be noted that these gripping means 104 can also be provided on the visual indicator support 10 described in relation to the first embodiment, even if their usefulness is less important due to the obligation to maintain the visual indicator support 10 above the receiving location 14 to orient it.
Finally, according to a third embodiment, illustrated in
In order to limit the number of figures,
Thus, in
Finally, to each type of indexing corresponds an equivalent element on the payment device 11, or more advantageously on the light guide 12, as illustrated in
Thus, a plurality of holes 1203a in the light guide 12 corresponds to the indexing finger 1003a in the visual indicator support 10, and a finger 1203b of the light guide 12 corresponds to the plurality of holes 1003b, as illustrated in
Other types of indexing can of course be implemented to allow stability of the orientation of the visual indicator support when assembled to the payment device.
The proposed technique also relates, as already described above, to a payment device 11 configured/adapted to receive a visual indicator support 10 as described above according to the various embodiments and their variants.
Thus, such a payment device 11 has in particular a location 14 for receiving the visual indicator support 10, on its upper face, and, in certain cases, an unlocking area 15 on its lower face.
According to the proposed technique, such a payment device 11 can be designed without taking into account the positioning of a visual indicator, of the contactless payment logo or usage warning type, and can thus be optimised in terms of compactness. Indeed, the arrangement of the components and in particular of the connectors, inside the payment device 11, can be optimised without worrying about the orientation of the visual indicator, this orientation being able to be obtained thanks to the visual indicator support 10 described above (according to the various embodiments of the proposed technique).
Finally, the proposed technique also allows to comply with the security constraints related to payment devices, by providing, according to the different embodiments:
The proposed technique also relates, as already described above, to a system comprising a visual indicator support 10 assembled to a payment device 11 as described above according to the various embodiments and their variants.
Number | Date | Country | Kind |
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1860315 | Nov 2018 | FR | national |
Filing Document | Filing Date | Country | Kind |
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PCT/EP2019/078664 | 10/22/2019 | WO |
Publishing Document | Publishing Date | Country | Kind |
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WO2020/094382 | 5/14/2020 | WO | A |
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Number | Date | Country | |
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20210407326 A1 | Dec 2021 | US |