WO2010019067A1

WO2010019067A1 - Personal data carrier

Info

Publication number: WO2010019067A1
Application number: PCT/RU2008/000510
Authority: WO
Inventors: Вячеслав Олегович ДОЛГИХ; Павел Евгеньевич БЕСШАПОВ
Original assignee: Dolgih Vyacheslav Olegovich; Besshapov Pavel Evgenievich
Priority date: 2008-08-08
Filing date: 2008-08-08
Publication date: 2010-02-18
Also published as: RU2414749C1

Abstract

The invention relates to a method for protecting a data carrier against unauthorised use and counterfeit with the aid of a personal data carrier which comprises a body in the form of a unique three-dimensionally shaped figure with a chip-module accommodated therein, which body and chip comprise only visually recognisable first and second security elements which identify an owner but do not contain his name, image and signature; furthermore said chip is quick-removable, each of the first and second security elements comprises at least one fragment for preliminary, prior to the chip-module accommodation in the carrier body, scanning in a determined and known to the owner position and sequence for forming a reference of the owner's personal key which contains the unique combination of the above-mentioned fragment images, and for storing the reference in the memory of the reading device of the access system, the chip contains a third security element in the form of a system private-key which contains a part of the owner's personal key introduced by the owner and is activated for verifying the access rights when the electropotential bonding leads of the chip-module are accommodated in the reading device of the access system.

Description

Personal storage medium

Technical field

The invention relates to storage media of an individual nature, used in various fields of human activity, and can find application in systems that require the security of data exchange with protection of access to information, including information that identifies the user, and access to electronic media, to banking systems service and other systems.

State of the art

Storage media adapted for individual use are well known.

They are usually performed in the format of a chip card with an integrated integrated circuit chip module.

Contact-type chip cards are known that are used as credit, telephone and other cards that contain a flat chip module containing a chip with a microcircuit and electrically conductive terminals, into which and from which information is entered / output into the chip module when the contacts the reader terminal and the contacts of the chip module are in electrical and mechanical contact with each other.

Non-contact type chip cards are known that are used as documents for access rights by crossing a certain area in which an initiating signal is generated, into which and from which information is entered / output through the antenna to the chip module .. To interact with such a chip module, high-frequency electromagnetic waves. In this case, data transfer and voltage supply occurs without mechanical contact. For example, the supply voltage of the chip module can be provided using an inductance located on the carrier itself, which is affected by a high-frequency signal. Further communication is carried out according to the known high-frequency technology.

Known chip cards of a combined type, combining the functions of contact and contactless cards. Thus, there is known a data carrier containing a card-shaped body having a recess for accommodating the chip module, the chip module comprising at least one semiconductor chip on the first side of the chip holder connected to the card-shaped body, and containing metallization contacts on the second side chip holder (US, 6778407, Bl; RU, 2217795, C2).

At the same time, fastening sections can be made in the body of the holder, interconnected by grooves of various shapes for fixing the chip on the back side of the holder, and contact sections for fixing on the other side of the holder of the electrically conductive contact terminals of the chip, electrically connected to it using electrically conductive elements, for example or “block” type joints from solder placed in the indicated grooves. In this case, the conductive contact terminals can have contact pads made, for example, of metal foil, connected to the indicated terminals by soldered connections (RU, 2217795, C2). Moreover, the shape, location and size of the contact pads, as a rule, must comply with certain standards , for example, ISO 7816.

A known information carrier containing an electronic memory device for storing information about its owner, preferably emergency, for example, medical, made in the form of an opening flat medallion placed in a pocket on a shoe containing a flat chip card with a chip in it (US, 6,651,892, B2). In this case, the information carrier may contain on the medallion case a mark identifying the owner’s affiliation.

However, the implementation of the media in the form of a chip card creates significant difficulties in its use and manufacture, and also leads to specific stringent requirements for the shape and quality of the chip module.

In addition, carriers of this kind are susceptible to a wide variety of loads when used. Due to the design features of the card body and the chip module, high bending loads can act on the device of the chip module, which, depending on the design, can lead to failure due to, for example, chip breakdown or rupture of the electrical connection. The semiconductor chip in the carrier should be as well protected as possible mechanical damage and chemical influences, which with a small thickness of the chip module requires the use of high-precision technologies.

The sequence of commands for individualizing a chip card is an integral part of a system that also processes chip cards and physically connects them. At the same time, processing a chip card means ensuring the availability of the chip card for entering commands and data from the outside, that is, performing basic basic functions at the physical, hardware and software level, such as connecting a chip card, providing the required operating voltage, and resetting the chip card to its initial state, due to which the chip card ultimately acquires the ability to communicate with the outside world. The data entered into the chip module from outside allows using the keys and algorithms stored in the information to authenticate the user reliably and coordinate data flows. Access to data stored in chip modules during their initialization (initial load) and individualization can only be granted to systems that have this access right after appropriate identification, in which access rights are checked.

Moreover, the logical sequence of data processing that underlies the individualization of chip cards, together with the algorithms and keys related to it, is hard-coded in this system, and therefore, all this information must be stored in the system and communicated to the service provider in this system.

This situation leads to the need to provide manufacturers of individualization systems with important safety information about the logic of individualization of chip cards, parts of the command interface of the chip card, as well as about algorithms and keys.

The dissemination of information with such a high level of protection to an unlimited number of people creates an increased risk to security. Knowledge of the logic of chip cards makes it easier to unauthorized access to the protective mechanisms of the chip chip cards. Such “security gaps”, intentionally or unintentionally left by chip card manufacturers of their use systems, can lead to the disclosure of keys and thereby harm the system of using chip cards. At the same time, the manufacturer of the chip card, which provides visual application distinguishable data on the card body, as well as the individualization of chip modules, has the most complete amount of information.

Moreover, in the most common access systems, for example, the single payment system, the banking system, according to international requirements (ISO 7816), the chip card must contain identification tools that allow you to visually identify the owner of the chip card, that is, his name and his registration number in the used the payment system and the system of the issuing bank, as well as visually familiarize yourself with the owner’s signature on the chip card, which provides access to bank information and banks when placing the chip card in the reader Coy electronic service system.

Thus, a person who is unauthorized, for example, in the case of theft, using another person’s chip card to make payments, for example, in the retail system, has visually distinguishable information about the payment system, the issuing bank and the nature of the owner’s signature, which is sufficient to complete a transaction, such as a purchase.

Establishing the place of unauthorized use of the chip card is possible only after contacting the issuing bank of the current owner about the loss of the chip card. Identification of the offender is not possible.

The introduction of the image of the cardholder into the chip card requires preliminary photographing and scanning of the image in the reader, followed by comparison with the standard of such an image.

In addition, visualization of the registration number of the owner of the data carrier may provide opportunities for hackers to attack the banking system.

Attempts are being made to make payment chip cards with a case in the form of a card made of precious metals, such as gold, platinum or silver, or rare metals, such as titanium, molybdenum, or precious wood, such as mahogany, boxwood, sandalwood, ebony, or bone horns or tusks, with security elements made in the form of individual attributes and having visualized signs of the owner of the chip card in the form of his name, his signature, the number of his payment card, signs of the payment system and signs of the bank-emite that (RU, 2244634, Cl). For example, with the implementation of the body of the card with an individual engraved or with jewelry. However, at the same time, the payment card contains all the same visualized elements of the signs of the payment system, the issuing bank, the name and signature of the owner, which does not prevent the unauthorized use of such a chip card, for example, for payments in the trading system. The presence on the chip card of additional elements of individual attributes does not exclude the possibility of fraud.

Despite the rapid development of storage media technology — integrated circuits, microprocessors, and chip modules — that provide the ability to store and use significant amounts of information, for example, shelf-type chips (US, 6,765,299, B2; US, 7394148, B2), matrix-type chips on crystal substrates (US, 6,853,064, B2; US, 6,611,052, B2), which also provide the ability to encode and establish protection systems against unauthorized use, the use of such chips is constrained by the requirements of the small thickness of the chip -cards.

Disclosure of invention

When creating the present invention, the task was to develop a method of protection against unauthorized use and forgery, providing higher than that of the chip card, protection and high security operations of the owner of the data carrier by providing a full range of information necessary for data access in access systems, only to the owner of the data carrier, with the separation of the amount of information entered by the manufacturer of the carrier body and intended to authenticate the user in the access system, and bemsya information filled in by the issuing bank to access and treatment in the payment system and / or in the banking system, with the association of such information via a user input chip-key module. In addition, the task was also to protect the data carrier by performing the medium with identification elements of its owner, preferably visualized security elements known to the access system, but not its name, signature or image, with which it is possible to place quick-detachable chip modules containing chips of various types with different amounts of data, as well as containing identification elements of chip modules belonging to the owner of a personal data carrier. The problem was solved by the development of a method of protection against unauthorized use and forgery of a data carrier designed to obtain access rights and transactions in a specific access system having a media housing with at least one chip module containing in its internal cavity, containing at least one chip mounted in an electrically insulating housing mounted on a holder and having electrically conductive contact leads connected to it, and wherein said internal olost which it communicates with the environment at a portion corresponding to the area of placement of conductive terminals chip module via placed on the support elements of personalization and protection elements, characterized in that:

- use a medium, the case of which as elements of personalization and protection contains visually recognizable first security elements in the form of elements identifying the owner of the data medium, but not containing its name, its image, signature and registration number in the payment system and the issuing bank;

- use a quick-detachable chip module containing, as personalization and protection elements, visually recognizable second security elements in the form of elements identifying the ownership of the specified chip module to the data carrier owner, but not containing the name, image, signature of the data carrier owner and its registration number in the payment system and the system of the issuing bank, while:

- in one medium using a combination of the first and second visually recognizable security elements, which is unique,

- each of the first and second security elements contains at least one fragment adapted for preliminary, prior to placing the chip module in the carrier body, scanning in a specific position and sequence known to the owner with forming the image of the fragments, then storing these images in memory reader access system in the form of a personal key standard an owner containing a unique collection of these fragments;

- during initialization and individualization, the necessary information about the signs of the payment system, the signs of the issuing bank, data processing algorithms and the third security element in the form of an individual access key containing the part specified by the owner for the purpose of checking access rights are entered into the data carrier chip module the specified personal key of the owner.

Moreover, according to the invention, it is advisable to use the elements of the form of the carrier body as the first security elements.

Moreover, according to the invention, it is advisable to use the decor elements of the media housing as the first elements.

Moreover, according to the invention, it is advisable to use the decor elements of the case containing graphic fragments as the first security elements.

Moreover, according to the invention, it is advisable to use the decor elements of the housing of the chip module as the second security elements.

Moreover, according to the invention, it is advisable to use the decor elements of the housing of the chip module containing graphic fragments as the second security elements.

Moreover, according to the invention, it is advisable to use decor elements located between the electrically conductive contact terminals as second protection elements.

Moreover, according to the invention, it is advisable to use a carrier made in the form of jewelry for personal use.

The problem was also solved by creating a personal data carrier having a carrier body with at least one chip module located in its internal cavity and containing at least one chip mounted on the holder, mounted on the holder, and having electrically conductive contact leads connected to the chip, and wherein the internal cavity is in communication with the environment in the area corresponding to the area of the conductive contact leads of the chip module, and the carrier contains um elements personalization and protection elements, characterized in that: - the carrier body is made in the form of a unique spatially developed three-dimensional figure and as elements of personalization and protection contains visually recognizable first security elements in the form of elements identifying the owner of the data carrier, but not containing his name, image, signature and registration number in the payment system and the issuing bank system;

- the chip module is quick-detachable with the possibility of its installation in the internal cavity of the carrier body and containing as elements of personalization and protection visually recognizable second security elements in the form of elements identifying the ownership of the specified chip module to the owner of the data carrier, but not containing a name, image, signature owner of the data carrier and its registration number in the payment system and the issuing bank system,

- and wherein:

- each of the first and second security elements contains at least one fragment adapted for preliminary, prior to placing the chip module in the media housing, scanning in a specific position known to the owner and sequence for forming a template of an owner’s personal key containing a unique set the specified images of the fragments, and storing it in the memory of the reader of the access system;

- the medium contains a unique set of visually recognizable first and second security elements corresponding to a unique set of images of these fragments in the memory of the reader;

- the chip module contains the necessary information about the signs of the payment system, the signs of the issuing bank, data processing algorithms and third security elements in the form of an individual system key containing the part entered by the owner of the owner’s personal key and initiated for the purpose of checking access rights when placing conductive contact the conclusions of the chip module in the reader of the access system. Moreover, according to the invention, the specified internal cavity of the carrier body can be adapted to accommodate the specified chip module in it using a quick coupler.

Moreover, according to the invention, the chip module can be placed in the specified internal cavity using the protrusion-groove connection.

Moreover, according to the invention, the chip module may have a housing provided with protrusions, and the internal cavity of the carrier housing may have guide grooves for accommodating said protrusions therein.

In addition, according to the invention, the guide grooves may comprise longitudinal flat springs.

In addition, according to the invention, the chip module may have a housing adapted to accommodate two chips having electrically conductive contact terminals located on opposite sides of the housing of the chip module.

In addition, according to the invention, the carrier body may have at least one part of the body that is movable so that it can rotate around its own axis and has an internal cavity adapted to receive a chip module in it via a quick detachable connection and communicated with the surrounding medium, at least at locations in the chip module of said electrically conductive contact leads.

In addition, according to the invention, the chip module may comprise two microprocessors, one of which is of the contact type and the other of the non-contact type.

Moreover, according to the invention, it is advisable that the data carrier as the first security elements contain unique elements of the form of the media.

Moreover, according to the invention, the storage medium as the first elements may contain decor elements of the housing of the medium.

Moreover, according to the invention, the storage medium as the first security elements may contain decor elements of the media housing, including graphic fragments.

Moreover, according to the invention, the storage medium as the second security elements may contain decorative elements of the housing of the chip module. Moreover, according to the invention, the storage medium as the second security elements may contain decor elements of the housing of the chip module, including graphic fragments.

In addition, according to the invention, the storage medium as the second security elements may contain decor elements of the housing of the chip module, located between the electrically conductive contact terminals.

Moreover, according to the invention, the electrically conductive contact terminals of the chip module can be placed flush with it on the carrier body or flush with it on a cylindrical surface or flush with it on a curved surface.

Moreover, according to the invention, it is advisable that the surface on which the electrically conductive contact terminals of the chip are located contains a support element that provides a specified orientation of these conductive contact leads when they are placed in the reader of the access system.

Moreover, according to the invention, the data carrier may be made in the form of jewelry, preferably for personal use. In this case, the data carrier may be a product from the group including a ring, watch, pendant, key chain, bracelet, cigarette case, lighter, writing pen.

In addition, there is shown a known reader for processing data of a personal data carrier in an access system used, comprising electrical contacts adapted for mechanical and electrical contact with the electrically conductive terminals of the chip module. Those skilled in the art will appreciate that the known reader can easily be adapted to read information from a personal data carrier according to the invention by providing contacts to be placed on a contact surface corresponding to a contact surface of contact terminals of a chip module and containing a recess for receiving a support element of a data carrier providing a predetermined mutual the orientation of the indicated contacts and contact pins. Brief Description of the Drawings

The invention is further illustrated by the description of examples of the implementation of the protection method according to the invention using a personal data carrier according to the invention and the accompanying drawings, in which:

Figure 1-6 - personal data carrier according to the invention, embodiments;

7-9 - chip module of a personal data carrier according to the invention, embodiments;

Figure 10.11 shows the placement of the chip module in a personal data carrier according to the invention shown in Figure 6.

Moreover, the above embodiments of the invention do not limit the possibilities of its implementation and do not go beyond the scope of patent claims. Best Mode for Carrying Out the Invention

A method of protecting a data carrier from unauthorized use and from counterfeiting according to the invention can be implemented in a personal data carrier according to the invention.

In the drawings Fig. 1, 2, 3, 4, 5, 6 show embodiments of a personal data carrier according to the invention in the form of unique spatially developed three-dimensional figures: rings 1 (Fig. 1), rings 2 (Fig. 2), rings 3 ( Fig. 3), pendants 4 (Fig. 4), pendants 5 (Fig. 5), squeaking handle 6 (Fig. 6). Moreover, the personal data carriers 1,2,3,4,5,6 according to the invention have a carrier body 7 with an internal cavity 8 adapted to accommodate a quick-detachable chip module 9 therein.

In this case, the chip module 9, as shown in Fig. 7, can have various acceptable dimensions and can be made in various ways, for example, contain contact and / or contactless chips of various sizes and different functional loads.

The chip module 9 shown in FIG. 7 has a metal module housing 10 of the chip module, in which one chip 13 is mounted in the electrical insulating housing 11 on the holder 12, having electrically connected to the chip 13, for example, by soldering 14, conductive contact leads fifteen. The chip module 9a shown in Fig. 8 contains two chips 16 and 17, which can be made, for example, both contact types and have electrically conductive contact leads 18 and 19 on one side (not shown) or on different sides of the chip housing 10 -module 9a. Or one of the chips may be of a contactless type (not shown in the drawing).

In this case, the electrically conductive contact terminals 15, 18, 19 can be placed as a set of figures in the plane 20 of the housing 10 of the chip module 9, 9a (Fig. 7, 8), or on the cylindrical surface 21 of the housing 10 of the chip module 9b (FIG. 9) and can be made flush with the surface of the housing 10, or on the curved surface 22 of the housing 10 of the chip module 9c (Fig. 3, 5) and can be made protruding from the housing 10. In addition, the electrically conductive contact leads 14, 17, 18 can be flat (Fig. 1, 2, 4, 7, 8) or volumetric (Fig. 3, 5, 6, 9). However, in this case, the electrically conductive contact terminals 14, 17, 18 must be designed so that it is possible to place them in a contact scanning or reading device.

According to the invention, the surfaces 20 (Fig. 7.8), 21 (Fig. 9), 22 (Fig. 3.5), on which respectively the conductive contact leads 14, 17, 18 of the chip module 9 and 9a are located, contain support elements that provide the specified orientation of the indicated conductive contact terminals of the chip module 9 and 9a, 9b, 9c when placing a personal data carrier with a chip module 9, 9a, 9b, 9c fixed in it in a reader of a certain access system. For example, they contain one support element 23 (Fig. 1, 2, 5, 10) or two support elements 24 (Fig. 3, 4).

In embodiments of the personal carrier in the form of rings 1, 2, 3 (Fig. 1, 2, 3), the carrier body 6 has a rim (splint) 25 and a top (cast) 26 in which the internal cavity 8 is made.

At the same time, in the embodiment shown in FIG. 2 and FIG. 3, the top 26 has a movable part 27 that is capable of rotating about its own axis 28. This allows, in the case of using a chip module containing two chips, to turn alternately to one, then to another access system by turning the movable part with the output to the outer surface of the chip module of the electrically conductive contact terminals of the desired chip. According to the invention, the internal cavity 7 is in communication with the environment, at least at the locations in the chip module 9 or 9a, 9b, 9c of said electrically conductive terminals 15, 18.

The chip module 9 or 9a, 9b, 9c can be installed in the inner cavity 8 of the carrier body 6 using a quick coupler, for example, a quick-release connection. For example, as shown in FIG. 1, 2, 3, 4, 6, 7, 8, the chip module 9 or the chip module 9 a (FIGS. 5, 8) may have protrusions 29 and the carrier body 6 may have corresponding guides 30, according to the invention, equipped with flat longitudinal springs 31, which provide compression and fixation of the chip module 9 or 9a during its placement in the inner cavity 8. However, the installation of the chip module 9 or 9a in the inner cavity 8 can be achieved using other acceptable compounds, for example, pin connections 32, as shown in Fig.6.

In this case, the used installation option of the chip module 9 or 9a, 9b, 9c in the inner cavity 8 should ensure its quick removal from the inner cavity 8 with the help of a little effort by the owner. For example, in the case of placing the chip module using a quick-release connection, by pressing on the chip module from above from the open side of the internal cavity 8 with a force sufficient to squeeze the flat springs 31 and then move the chip module along the guides 30 .

A reader for reading information from the personal data carrier described above according to the invention and for performing operations may comprise a known contact device (US, 6, 053, 775, A; US, 6,419,525, Bl; JP, 2007041886, A) adapted for placement therein in a certain position of the electrically conductive contacts of the chip module with mechanical and electrical contacting the contact terminals of the reader with the contact terminals of the data carrier. Moreover, it should be obvious to a specialist in the field of electronic technology that mechanical and electrical contacting of the electrically conductive contact terminals of a personal data carrier according to the invention made lying in a plane will not require significant modification of these devices. In the case of the conductive conductive contact conclusions of the chip module lying on a curved surface, in a reader can be equipped with an adapter that provides the output of the contact elements of the reader to a surface corresponding to the surface of the contact terminals of the chip module.

The implementation of the chip module according to the invention quick-detachable allows the owner to have several chip modules that are protected from unauthorized use and from tampering with the method according to the invention, and to provide the possibility of generating various personal access keys for various purposes by changing the chip module.

The implementation of a personal data carrier with a robust housing and a chip module with a metal case protects the chip module from mechanical stress, and prevents the integrity of the chip module during bending and shock loads.

The implementation of the housing of a personal carrier in the form of volumetric products with an internal cavity of different volumes allows you to place the chip modules for various functional purposes in various versions of the chips.

According to the invention, protection against unauthorized use and forgery includes a combination of various security elements, however, not containing the name or image or signature of the owner of a personal data carrier.

So, the housing 6 of the data carrier, as shown in the accompanying drawings, is made in the form of a unique spatially developed figure and contains only visually recognizable first security elements that identify its owner. For example, these may be elements of the carrier body 6 having a special configuration, for example, in the form of a disk, as shown in FIGS. 2 and 3, as well as decor elements of the carrier body 6, made, for example, by inlay, etching, engraving from various materials in a unique combination known to the owner in sections of the carrier body and the chip module body known to the owner.

In this case, the first security elements on the surface of the carrier body 6 may contain individual fragments known to the owner in the form of decor elements suitable for scanning and reading, for example, graphic, ornamental and / or verbal and / or digital, made in stylized font. For example, when executing a personal data carrier in the form of a ring the first protection elements can be made in the form of an insert, in the form of an image on the outer and inner surfaces of the rim and top, and in the case of the top being rotatable, also on the inside of the top.

According to the invention, the housing 10 of the chip module contains second security elements, the combination of which also does not contain the name and / or image and / or signature of the owner of the personal data medium. Such second protection elements can serve as a combination of decor elements of the housing of the chip module. For example, decorative inserts made of a dielectric material between electrically conductive contact leads having decor patterns, chip module case decor elements are placed around electrically conductive contact leads. In addition, the second element of protection can serve as the implementation of the conductive terminals themselves in the form of a unique set of figures. In this case, the first and second security elements may include the copyright mark, for example, in combination with the brand of the owner.

Moreover, according to the invention, the second security elements may contain on the surface of the housing of the chip module 10 separate fragments known to the owner in the form of decor elements suitable for scanning and reading, for example, graphic, ornamental and / or verbal and / or digital, made in stylized font.

Moreover, according to the invention, the case of a personal data carrier is made in the form of a three-dimensional jewelry. For example, in the form of a product from non-metallic materials, such as bone, horns, from base metals, such as non-ferrous metal alloys, from precious metals, such as gold, silver, platinum. For example, in the form of a product using various inserts of precious, semiprecious, ornamental stones and other materials, such as mother of pearl, amber, turquoise. In this case, the first and second protection elements can be performed using various processing technologies for materials, for example, stamping, gilding, silvering, rhodium, oxidation, diamond processing, blackening, enamel, enamel, filigree, engraving and others.

The method of protecting the data carrier from unauthorized access and from falsification according to the invention is as follows. A carrier body is manufactured having visually distinguishable first security elements in the form of body elements, body decor. A chip module is manufactured having visually distinguishable second security elements. The first security elements known to the owner located on the carrier body and the second security elements located on the chip module are scanned in the sequence known to the owner and access system to form images of fragments of the first and second elements having unique elements, for example, graphic elements decor, ornamental fragments and others. The obtained unique sequence of images of these fragments forms the standard of the owner’s personal key, which is stored in the access system and in the memory of the reader. Then, the chip module is initiated and individualized, the necessary information about the features of the payment system, the issuing bank, data processing algorithms and the third security element are entered in the form of an individual system key containing the part of the image of the owner’s personal key entered by the owner.

To access the payment system and the transaction system of the issuing bank, a carrier chip module is initiated by scanning images of fragments of the first and second elements presented in a certain sequence according to the sequence of the owner’s personal key and comparing the images obtained with the access control system of the owner’s personal key stored in the memory. In the case of a positive result of checking compliance with the personal key standard, place the surface area of the data carrier containing the conductive contact terminals of the chip module in the reader, providing mechanical and electrical contact of these conclusions with the contacts of the input device of the reader of the access system and based on the positive result of comparing the individual system the key with the contents of the owner’s personal key, launch operations of electronic devices the chip module chip.

As can be seen from the above, the uniqueness of the combination of the first, second and third security elements introduced by different manufacturers in one medium, known only to the owner of the personal data carrier in accordance with the invention, provides opportunities for reliable protection of the data carrier from unauthorized use and against forgery. While trying unauthorized use of a personal data carrier by another person, even if it is simply presented for access, for example, to a club, to service systems, will be immediately stopped, without creating a threat of entering the payment system, since the unique combination of visual characteristics of the carrier allows you to establish the actual owner.

The proposed media protection will provide a high level of protection against unauthorized access to payment systems, which is a very urgent problem, in particular for owners of large accounts, and will protect against opening the banking system protection system. The uniqueness of a personal data carrier as a payment instrument, which also indicates a certain social status of its owner, can also contribute to the development of more secure payment and banking systems.

Professionals in the field of protection and security of information technologies should understand that improvements and enhancements can be made to the method of protecting a data carrier from unauthorized use and from falsification according to the invention and to a personal data carrier according to the invention, not going beyond the scope of patent claims. For example, the operations of generating the owner’s personal key can be improved, if necessary, the digitized signature of the owner, and other improvements can be introduced into the composition of the personal key.

Industrial applicability

The personal data carrier according to the invention can be manufactured using known technologies using commercially available electronic devices, from commercially available materials, and can be used for use in various access systems, for example, limited access to payment systems, for example, in clubs, theaters, airports, banks. The proposed method of protecting the data carrier from unauthorized use and from counterfeiting can be easily implemented using a personal data carrier according to the invention using well-known information technologies.

Claims

Claim

1. A method of protection against unauthorized use and against forgery of a data carrier designed to obtain access rights and conduct transactions in a specific access system having a carrier body with at least one chip module containing in it an internal cavity containing at least one chip mounted in an electrically insulating housing mounted on a holder and having conductive contact leads connected to the chip, and wherein the internal cavity is in communication with the environment on chastke corresponding area of placement of conductive terminals-chip module and the support elements comprises a personalization and protection from unauthorized access and against forgery, characterized in that:

- use a medium having a medium body made in the form of a unique spatially developed three-dimensional figure containing as elements of personalization and protection visually recognizable first security elements in the form of elements identifying the owner of the data medium, but not containing his name, image, signature and number its registration in the payment system and the issuing bank system;

- use a chip module made quick-detachable with the possibility of its installation in the internal cavity of the carrier body containing, as personalization and protection elements, visually recognizable second security elements in the form of elements identifying the ownership of the specified chip module to the owner of the data carrier, but not containing a name, image , the signature of the owner of the data carrier and its registration number in the payment system and the system of the issuing bank,

- and wherein:

- each of the first and second security elements contains at least one fragment adapted for preliminary, prior to placing the chip module in the carrier body, scanning in a specific position and sequence known to the owner for forming a standard the owner’s personal key containing a unique set of the indicated fragments images and storing it in the memory of the reader of the access system; the medium contains a unique set of visually recognizable first and second security elements corresponding to a unique set of images of these fragments in the memory of the reader;

- the chip module contains the necessary information about the signs of the payment system, the signs of the issuing bank, data processing algorithms and third security elements in the form of an individual system key containing the part entered by the owner of the specified personal key of the owner and initiated for the purpose of checking access rights when placing conductive contact the conclusions of the chip module in the reader of the access system.

2. The method according to p. 1, characterized in that the first elements of the protection using elements of the form of the housing of the carrier.

3. The method according to p. 1, characterized in that as the first elements use decor elements of the carrier body.

4. The method according to p. 1, characterized in that as the first protection elements use decor elements of the case containing graphic fragments.

5. The method according to p. 1, characterized in that as the second security elements use decor elements of the housing of the chip module.

6. The method according to p. 1, characterized in that as the second security elements use decor elements of the housing of the chip module containing graphic fragments.

7. The method according to p. 1, characterized in that as the second protection elements use decorative elements located between the electrically conductive terminals.

8. The method according to claim 1, characterized in that the decor elements of the electrically conductive contact leads are used as the second protection elements.

9. The method according to p. 1, characterized in that they use a carrier made in the form of jewelry for personal use.

10. A personal data carrier having a carrier body and located in its internal cavity, at least one chip module, comprising at least one chip mounted in an electrically insulating housing mounted on a holder and having conductive contact wires connected thereto conclusions, and the internal cavity is in communication with the environment in the area corresponding to the area of the electrical conductive contact terminals of the chip module, and the medium contains personalization elements and protection elements against ktsionirovannogo and access from forgery, characterized in that:

- the carrier body (6) is made in the form of a unique spatially developed three-dimensional figure and, as elements of personalization and protection, contains visually recognizable first security elements in the form of elements identifying the owner of the data carrier, but not containing his name, image, signature and registration number in the payment system and the system of the issuing bank;

- the chip module (9.9a, 9b, 9c) is quick-detachable with the possibility of its installation in the internal cavity (8) of the carrier body (6) and containing, as personalization and protection elements, visually recognizable second security elements in the form of elements identifying the specified a chip module to the owner of the data carrier, but not containing the name, image, signature of the owner of the data carrier and its registration number in the payment system and the system of the issuing bank,

- and wherein:

- each of the first and second security elements contains at least one fragment adapted for preliminary, prior to placing the chip module in the media housing, scanning in a specific position known to the owner to form a template for the owner’s personal key containing a unique combination of these images fragments and save it in the memory of the reader of the access system;

- in one personal data carrier, the set of visually recognizable first and second security elements is unique and the corresponding set of these images of the indicated parts of these elements in the memory of the reader is unique;

- the chip module (9.9a, 9b, 9c) contains the necessary information about the signs of the payment system, the signs of the issuing bank, data processing algorithms and third security elements in the form of an individual system key containing the part entered by the owner of the owner’s personal key initiated by for the purpose of checking access rights when placing the conductive contact terminals of the chip module in the reader of the access system.

11. The storage medium according to claim 10, characterized in that said internal cavity (8) of the housing (b) of the carrier is adapted to accommodate said chip module (9.9a, 9b, 9c) in it using a quick coupler.

12. The storage medium according to claim 10, characterized in that the chip module (9.9a, 9b, 9c) is placed in the specified cavity (8) using the protrusion-groove connection.

13. The storage medium according to claim 10, characterized in that the chip module (9.9a, 9b, 9c) has a housing (10) provided with protrusions (29), and the internal cavity (8) of the media housing has guide grooves (30 ) for placement of the indicated protrusions in them.

14. The storage medium according to item 13, wherein the guide grooves (30) contain longitudinal flat springs (31).

15. The storage medium according to claim 10, characterized in that the chip module (9.9a, 9b, 9c) has a housing (10) adapted to accommodate two chips (16.17) having electrically conductive contact leads (15) , 18.19), located on opposite sides of the housing of the chip module (9).

16. The storage medium according to claim 10, characterized in that the housing (6) of the carrier has at least one part (27) of the housing (6) made movable with the possibility of its rotation around its own axis (28) and having an internal cavity (8) adapted to accommodate the chip module (9.9a, 9b, 9c) in it by means of a quick detachable connection and communicated with the environment, at least at the locations in the chip module of said electrically conductive contact leads (15) .

17. The storage medium according to claim 10, characterized in that the chip module (9.9a, 9b, 9c) has a housing (6) adapted to accommodate two chips in it, one of which is made contact and the other non-contact.

18. The storage medium according to claim 10, characterized in that as the first security elements contains elements of the form of the housing (6) of the medium.

19. The storage medium according to claim 10, characterized in that as the first elements contains decor elements of the housing (6) of the medium.

20. The storage medium according to claim 10, characterized in that as the first security elements contains decor elements of the housing (6) of the medium, including graphic fragments.

21. The storage medium according to claim 10, characterized in that the decor elements of the housing (10) of the chip module (9.9a, 9b, 9c) are used as the second security elements.

22. The storage medium according to claim 10, characterized in that as the second security elements contains decor elements of the housing (10) of the chip module, including graphic fragments.

23. The data carrier according to claim 10, characterized in that, as the second security elements, it contains the decor elements of the housing of the chip module (9.9a, 9b, 9c) located between the electrically conductive terminals.

24. The data carrier according to claim 10, characterized in that, as the second security elements, it contains decorative elements of the electrically conductive contact terminals (15,18,19) of the chip module (9,9a, 9b, 9c).

25. The storage medium according to claim 10, characterized in that the electrically conductive contact terminals (15,18,19) of the chip module (9,9a, 9b) are placed flush with it on the plane (20) of the housing (6).

26. The data carrier according to claim 10, characterized in that the electrically conductive contact terminals (15,18,19) of the chip module (9c) are placed flush with it on the cylindrical surface (21) of the carrier body (6).

27. The storage medium according to claim 10, characterized in that the electrically conductive contact terminals (15,18,19) of the chip module (9c) are placed flush with it on the curved surface (22) of the housing (6).

28. The data carrier according to claim 10, characterized in that the surface on which the electrically conductive contact terminals of the chip are located contains a support element (23.24) that provides a predetermined orientation of said electrically conductive contact leads (15,18,19) when placed in reader access system.

29. The storage medium according to any one of paragraphs.9-28, characterized in that it is made in the form of jewelry.

30. A data carrier according to any one of paragraphs.9-28, characterized in that it is made in the form of personalized jewelry selected from the group including a ring, watch, pendant, key chain, bracelet, cigarette case, lighter, writing pen.