BRPI0620579B1 - IMPROVEMENT INTRODUCED IN SMART CARD - Google Patents

Description

(54) Title: IMPROVEMENT INTRODUCED IN SMART CARD (73) Holder: HO CHUN-HSIN, Industrial. Address: 8F-1, No. 180, Sec. 2, Duen Hua South Rd. Taipei, R.O.C, TAIWAN (TW) (72) Inventor: HO CHUN-HSIN

Validity Term: 10 (ten) years from 10/02/2018, subject to legal conditions

Issued on: 10/02/2018

Digitally signed by:

Liane Elizabeth Caldeira Lage

Director of Patents, Computer Programs and Topographies of Integrated Circuits

1/22

IMPROVEMENT INTRODUCED IN SMART CARD.

Field of invention

The present invention relates to a smart card, and more particularly, to a smart card within a dual card system for use in conjunction with a terminal such as an ATM card reader or a point-of-sale card reader. sale, or in conjunction with a communication terminal, ie, a mobile phone.

History of the Invention

In the past, a magnetic card was used as a bank card or credit card.

Within a magnetic card system, personal identification data for identification of the holder of the magnetic card, which is known as a password is stored on the magnetic card and the coincidence between the password electromagnetically read from the card loaded in a reader. card and a password manually entered by the cardholder is checked to determine if the card user is the valid owner of the card.

However, the following problems lie with the magnetic card.

First, the password recorded on the magnetic card can be read by a simple device and thus the use by an unauthorized person can be easily achieved.

Second, the password must be known only to the owner.

However, the equipment for registering the password is

2/22 necessary and the person who prepares the card ends up aware of the password.

Third, the security protection for an ATM or a credit card reader is not perfect and the password leak prevention is not perfect.

In any case, the password cannot be changed by the cardholder and the card is used even when someone else becomes aware of the password.

To overcome the above problems, United States patent number 4,758,718, entitled “High Security IC Card with an Updatable Password” by Fujisaki and others, reveals an IC card with a microprocessor and a memory.

In FIGURE 1, number 10 denotes an IC card used as a means of identification to identify a person, number 11 denotes a microprocessor to control the registration and updating of password data, number 12 denotes a communication interface for the connection to a terminal device, the number 13 denotes a keyboard to enter the password data, the number 14 denotes a monitor device such as an LCD to display the password data, the number 15 denotes a memory having areas for the data storage required for registering and updating the password, the number 16 denotes a password memory area in memory 15, the password area having 16 bits, the number 17 denotes an area for storing the number of times of no coincidence of the password in memory 15, number 16 denotes an area for storing data representing a type and attributes of the IC card 10 and number 19 denotes a battery.

Memory 15 has a password registration area in which the password must be registered and a password update area in the

3/22 which update data for updating the password registered in the registration area is stored.

The password is entered through a switching operation and the microprocessor controls the registration of the password and registers the password entered in the password registration area.

When the registered password is to be changed, the number of times the error entry of the password registered in the microprocessor is checked based on the pre-established data in the password update area.

If the number of wrong times is less than a predetermined number, the registration area as well as the password update area is released and the new password entered is allowed to be registered in the registration area.

Nowadays, IC cards or “smart cards” are used in various applications such as payment at a point of sale (known as “bank cards”), public telephones, parking payment, toll payment, mobile phones (eg SIM cards), health services, public transport, or electronic bag.

'20 Each of these applications is associated with a specific card: bank card, phone card, parking card, SIM card for GSM phones, and so on.

One of the problems encountered in the daily use of such a variety of cards remains in the fact that one of the cards may not be available when it is to be used, regardless of whether it was left at home, the credit is over, or has expired.

In addition, the administration and transportation of multiple cards is inconvenient.

4/22

Thus, there is a strong need for so-called “multi-application cards”.

For example, United States patent number 6,325,293, entitled “Method and System for Using a Micro-Circuit Card in a Plurality of Applications” by Moreno, reveals a micro-circuit card including a device activating a standard application to be device executed by activating a target application to be executed and an exchange device activating the card to be configured on command either as a standard application card or as a target application card.

FIGURE 2 shows the organization and the general sequence of operation of the method then described.

As shown in FIGURE 2, the subscription taken by a customer 20 from the radio telephone operator 21 operating the radio telephone of the user 22 includes not only radio telephone service in general, eg, parking payment, where the amount will be included as a specific item in the telephone consumption listed monthly received from operator 21 (charge represented as 23).

After parking the car near a “pay-and-show” parking metric machine 24 programmed to accept payment for prepaid cards issued by the city 25, the driver may discover that no usable parking card is available, or that the card is out of credit or invalid.

To make the payment required by the machine, the user then selects the “parking” command on his radio-phone, eg, by pressing a button 26 or by selecting an option within a menu pointing to services / | The ^y

5/22 offered by the telephone operator.

This command causes the SIM card 27 of the radio phone to be reconfigured as a parking card.

The user then extracts card 27 from the radio telephone and inserts it (arrow 28) into machine 24, which perceives the card as a parking card and the card is then operated and debited as such.

The user reinserts the card 27 (arrow 29) in the radio telephone 22 where it is read by the radio telephone which automatically reconfigures it for its GSM function.

Although such multi-application cards are technically feasible, in practice they are very difficult to implement, as demonstrated by several pioneering attempts since the invention of the IC card itself.

With the widespread use of smart cards in the mobile industry such as the SIM card for GSM, USIM for WCDMA, BAD for CDMA2000 and PIM for the PHS network, a wide variety of applications have been developed through the use of smart cards residing in mobile phones (SIM / USIM / BAD / PIM, hereinafter referred to as UICC, Universal Integrated Circuit Card - universal integrated circuit card) to provide security services.

Mobile operators ensure the security of using mobile services by authenticating the keys stored on smart cards that mobile operators have issued to subscribers.

In addition, mobile operators also provide premium services such as mobile banking, in-market trading services

6/22 mobile shareholder by storing keys provided by banks or other service providers on SIM cards.

The keys are manipulated through an application interface developed by a SIM Toolkit (STK) which is also residing on the SIM card itself.

When WAP (Wireless Application Protocol) phones are available, Wireless Identity Module (WIM) is also developed by SIM card vendors to ensure WAP security through certificate and certificate storage. PKI algorithm inside the SIM itself (SWIM card) or another WIM card alone which can be inserted into another card slot inside the mobile phone.

The mobile phone's keypad and display screen facilitates the inserted smart card with a large user interface and the mobile nature of remote access to service providers still achieves the goal of service mobility.

In order to achieve service mobility, service providers such as banks, credit card administrators, transport card issuers, certificate issuers and stockbrokers are eager to cooperate with the mobile operator to issue enhanced SIM cards so that provide services that fall within their professions.

However, the provisioning and management of capacities and functionalities are under the control of mobile operators, thus forming a closed system in which only the agreed parties are authorized to participate.

In addition, the relationship between service providers

7/22 services and mobile operators is one of a lack of mutual trust and both have similar issues about security control and payment methods.

This becomes the main obstacle to the development of mobile security services.

Within the world of mobile telecommunications, another emerging demand based on smart cards is the so-called “multiple SIM holder” which indicates the trend of a single mobile phone user having more than one SIM card that can be issued by different mobile operators.

The trend arises for the following reasons:

• have separate accounts for personal and professional use • have SIMs from mobile operators from different countries while traveling to save on roaming charges • keep SIMs separate for different service plans such as daytime and off-peak calls • keep SIMs separate for different promotional rate packages to save costs

A special mobile phone with a capacity for two chips or two bays used to be introduced to address the above issues by providing an additional chip bay on the mobile phone so that another service provider or other mobile operator can issue their own smart card or SIM storing your own secret keys.

However, special phones are usually expensive and not very well accepted by the user, thus forming a

8/22 fragmented market where service providers can play.

Therefore, it is necessary to provide a smart card that can rectify these disadvantages of the prior art and solve the problems above.

Summary of the invention

This paragraph extracts and compiles some characteristics of the present invention; other features will be revealed in the accompanying paragraphs.

It is intended to cover several modifications and similar arrangements included within the spirit and scope of the attached claims.

In accordance with an aspect of the present invention, a smart card includes a processor; a first interface for use in communication with a terminal; a second interface for use in communication with another smart card; and RST generation means for generating an RST signal to another smart card.

Preferably, the processor also includes a storage sector to receive and save an ATR (Answer To) signal

Reset - response to reset) from another smart card.

Preferably, the processor further includes means of generating ATR for generating an ATR signal.

Preferably, the processor also includes means of generating PTS request (Protocol Type Selection) for generating a PTS request signal to another smart card.

Preferably the processor also includes means for generating PTS response for generating a response signal

9/22

PTS to the terminal.

Preferably the processor further includes PTS determination means to determine whether the PTS request signal is acceptable for both the terminal and another smart card.

Preferably, the processor also includes a clock regulator for providing a clock frequency for another smart card.

More advantageously, the processor further includes means of determining the APDU command (Application Protocol Data Unit 10 application protocol data unit) to determine whether a command APDU signal emitted from the terminal is associated with the smart card or with another card smart.

More advantageously, the processor also includes means of generating APDU command for generating a command APDU signal for another smart card.

Most advantageously, the processor also includes a storage sector to receive and save an APDU response signal from another smart card.

More advantageously, the processor further includes means of generating APDU response for generating an APDU response signal to the terminal.

Most advantageously, the smart card is provided with an antenna for communication with a contactless terminal.

More advantageously, the smart card comprises a SIM (Subscriber Identity Module), a USIM (Universal Subscriber Identity Module), a UIM (User Identity Module) user) and a BAD card

10/22 (Removable User Identity Module - removable user identity module).

More advantageously, the smart card comprises a credit card, a debit card and an automatic withdrawal card.

Brief description of the drawings

The above objects and advantages of the present invention will become more readily apparent to those ordinarily skilled in the art after reviewing the following detailed description and the accompanying drawings, in which:

FIGURE 1 - is a block diagram showing a conventional IC card;

FIGURE 2 - is a diagram showing several devices and players in accordance with another conventional method;

FIGURE 3 - is a block diagram of a first incorporation of a smart card in a two-card system for use with a transaction terminal in accordance with the present invention;

FIGURE 4 - is a block diagram of a second incorporation of a smart card in a two-card system for use with a communication terminal in accordance with the present invention; and

FIGURE 5A and 5B - are flowcharts showing a transaction method opposed to using a two card system in accordance with the present invention.

Detailed description of the invention

The present invention discloses a smart card in a dual card system and a method for using it, and

11/22

K <0 ^J the objects and advantages of the present invention will become more readily apparent to those ordinarily skilled in the art after reviewing the following detailed description.

The invention need not be limited to the following embodiments.

First incorporation

Please refer to FIGURE 3.

It illustrates a block diagram of a first incorporation of a smart card into a dual card system for use with a transaction terminal in accordance with the present invention.

As shown in FIGURE 3, the two card system for use with the transaction terminal 30 consists of a first card 32 and a second card 31.

The first card 32 has a first memory 321 for storing the first identification information for use in a target transaction with a transaction terminal 30.

The second card 31 includes a processor 310, an RST generation device 314b, a second memory 311, a third memory 312, a fourth memory 313, and a clock regulator 34a.

Second memory 311 stores second identification information for use in a target transaction with transaction terminal 30.

The third memory 312 stores information related to transactions.

The fourth memory 313 stores first personal information that is not secured by the first card 32.

12/22

Clock regulator 34a receives a clock signal from transaction terminal 30 via line CKL 34 and provides another clock signal to the first card 32 via line CKL 37.

The clock signal provided by clock regulator 34a can be the same or different from that provided by the transaction terminal 30.

In the meantime, the first card 32 is installed with a first operating system and the second card 31 is installed with a second operating system.

The second card 31 can play the role of a smart card and a card reader simultaneously in order to control the first card 32.

The second card 31 is coupled to the transaction terminal 30 via three lines: line RST 33, line CLK 34, and port L / O 35, whose lines are naturally in addition to a VCC power line and a ground line GND.

Furthermore, the transaction terminal 30 is a smart card reader of a portable device or a fixed terminal such as a bank teller or a point of sale.

In addition, the first card 32 is coupled to the second card 31 by means of three lines: line RST 36, line CLK 37, and port L / O 38, as shown.

In reality, the second card 31 is provided with two I / O ports, I / O port 35 and I / O port 38 to communicate with the transaction terminal 30 and the first card 32, respectively.

Certainly, the second card 31 is capable of carrying out different communication protocols for port I / O 35 and port I / O 38.

13/22

In accordance with the first embodiment of the present invention, the second card 31 is also able to issue commands from the application protocol data unit (APDU) through the I / O port 38 to the first card 32, and the second card 31 provides clock signals for the first card 32 via the CLK 27 line.

In other words, the second card 31 acts both as a smart card and a smart card reader in controlling the first card 32.

In general, a smart card sends a 10 start over (ATR) response via the l / O port to a card reader after a VCC supply voltage, a CLK clock and an RST restart signal have been applied.

The ATR data stream and data elements are defined and described in detail in ISO / IEC 7816-3.

The basic ATR format is shown in table 1.

Table 1 - ATR data elements and their meanings in accordance with ISO / IEC 7816-3.

Data element description TS Starting character TO Format character TA1, TB1, TC1, TD1 ... Interface character T1, T2 ..... TK Historical character TCK Check character The first two bytes, d designated TS and TO, define several

fundamental transfer parameters and the presence of subsequent 20 bytes.

The interface characters specify special transfer parameters for the protocol, which are important for the next data transfer.

Historical characters describe the extent of the functions

49 ¹⁷

Basic 14/22 of the smart card.

The check character, which is a checksum of the previous bytes, can optionally be sent as the last byte of the ATR, depending on the transmission protocol.

Furthermore, this ATR data stream is always sent with a divisor value and contains various data relevant to the transmission protocol and the card.

As is known, the smart card shows various parameters in the ATR interface characters, such as the transmission protocol and the character timeout.

In addition, if a terminal wants to modify one or more of these parameters, a protocol type selection (PTS) must be performed prior to the actual execution of the protocol.

The terminal can use this to modify certain protocol parameters, as far as the card allows.

In the present invention, with reference to FIGURES 3 and 4, the processor 310 of the second card 31 includes a store 318, an ATR generation apparatus 319, a PTS determination apparatus 315a, a PTS request generation apparatus 315b, an apparatus response generation PTS 315c, a control APDU determining apparatus 316a, a control APDU generating apparatus 316b, and a response APDU generating apparatus 317.

In a transaction, a transaction terminal 30 determines whether a first card 32 exists after being powered on (stage S500 and

S501).

If a first card 32 does not exist within a transaction system, then transaction terminal 30 will perform a transaction fault with the second card 31 (stage S502).

15/22

Furthermore, the lack of transaction can also be a contactless communication with another terminal through an antenna provided on the second card 31.

In this case, communication is through radio communication.

On the other hand, if a first card 32 exists, then the transaction terminal 30 will perform on a two card system.

Within a two-card system, signals that are to be sent to the first card 32, all go through the second card 31.

In other words, the transaction terminal 30 does not communicate directly with the first card 32.

That is, the second card 31 is a slave to the transaction terminal 30, but also a master for the first card 32.

In this way, restart signals (RST2) emitted from the transaction terminal 30 are sent directly to the second card 31 only, hand regardless of whether the transaction is related to the first card 32 or the second card 31.

Once the second card receives RST2, then the RST generating apparatus 314b will generate a restart signal (RST1) for the first card 32 (stage S503).

Upon receipt of RST1, the first card 32 responds with a response-to-restart signal (ATR1) to the store 318 (e.g., first-in first-out store (FIFO)) of the second card 31 (stage S504).

After receiving the ATR1 from the first card 32, the ATR generation device 319 from the second card 31 generates another response-to-restart signal (ATR2 ') for the transaction terminal 30

16/22 (stage S505).

In general, the response-to-restart signal should occur between 400 and 40,000 clock cycles after transaction terminal 30 sends a restart signal.

With a clock rate of 3.5712 MHz, this corresponds to a range of 112ps to 11.20ms, while at 4.9152 MHz, the range is 81.38ps to 8.14ms.

If the transaction terminal 30 does not receive the ATR within this range, it repeats the activation sequence several times (usually up to three times) to try to detect an ATR.

If all these attempts fail, the terminal assumes the card is missing and responds accordingly.

However, if ATR1 is sent to the second card 31 after the second card 31 receives RST2 from transaction terminal 30, as mentioned above, then it will be difficult for ATR1 to respond within time.

Thus, to overcome this problem, the RST generating device 314b of the second card 31 is programmed to spontaneously generate a restart signal (RST1) for the first card 32, since the second card 31 is connected regardless of the receipt of RST2 from transaction terminal 30.

This means that the RST generating apparatus 314b does not necessarily wait until RST2 is sent from transaction terminal 30 before sending RST1 to the first card 32 to avoid delayed response to transaction terminal 30.

Thus, the second card 31 preserves the ATR1 sent to

17/22 from the first card 32 inside the store 318 until RST2 is received.

In this way, ATR1 can be sent immediately after RST2 is issued.

After the transaction terminal receives an ATR signal from an ATR generation device 319, the terminal then continuously sends a PTS (Protocol Type Selection) request signal (PTS1) to the second card 31 to perform PTS negotiation (stage S506).

Then the PTS request generating apparatus 315b of the second card 31 will generate a PTS request signal (PTS2) for the first card 32.

In response to PTS2, the first card 32 sends a PTS response signal (PTS3) back to the second card 31.

Likewise, the PTS determination device 315a of the second card 31 determines whether the protocol indicated by the first PTS request signal emitted from the transaction terminal 30 is able to be carried out by both the first card 32 and the second card 31 in compliance with PTS3 sent from the first card 31.

Next, the PTS response generator 315c of the second card 31 will send another PTS response signal (PTS4) to the transmission terminal 30.

This sequence will continue until the indicated protocol of transaction terminal 30 is accepted between transaction terminal 30 and the second card 31 and between the second card 31 and the first card

32.

Once an indicated protocol is found, the terminal

Transaction 18/22 30 will send a command APDU signal (c-APDUI) to the command APDU determination apparatus 316a of the second card 31 (stage S507) requesting a transaction.

Upon receipt of the c-APDUI, the command APDU determination device 316a determines whether the c-APDUI requests a transaction fault or a target transaction (stage S508).

If the c-APDUI issued from the transaction terminal 30 requests a target transaction, the command APDU generating device 316b of the second card 31 will generate a command APDU signal (C-APDU2) for the first card 32 (stage S509 ) and then perform a target transaction (stage S510).

The first card 32 will send an APDU response (rAPDU1) to the store 318 of the second card 31 after the target transaction is performed (stage S511).

Upon receipt of r-APDU1 from the first card

32, the response APDU generating apparatus 317 of the second card 31 then generates another APDU response signal (r-APDU2) to the transaction terminal 30 indicating that the target transaction is complete (stage S512).

* 20 In this embodiment of the present invention the information related to the transaction is rewritten by the processor 310 when a transaction request issued from the first card is approved by the transaction terminal based on the first or second identification information.

For example, information related to the transaction can be a balance for a debit card balance and processor 310 can increase / decrease the balance when the transaction is performed.

In addition, the second card 31 can detect the existence of> /

19/22 of a first card 32 by calculating the response time of the ATR1 from the first card 32 when the two card system is inserted into a transaction terminal; alternatively, the second card 31 may provide a user interface such as a SIM card application tool kit menu for the user to configure the presence of the first card if a two card system is inserted into a mobile phone.

For example, a point of sale (POS) card, which stores values, is considered to be the second card 31 of the present invention and an ATM card, which stores a bank account, is considered to be the first card 32.

Both have original functions.

At present, the point of sale card (POS) can be considered as a master card, which is also a card reader and able to read the ATM card in a transaction terminal.

Thus, a user can remit money from the bank account stored on the bank card to the electronic purse of the point of sale card (POS) through a transaction terminal in accordance with the present invention.

In the case of a two-card system within a mobile phone, the SIM card is considered as the second card and the POS point of sale card is considered as the first card of the present invention, a user can recharge money in the electronic purse of the card point of sale (POS) by means of a mobile finished short message from the bank in response to the short message originating from the user, in order to fill out the point of sale (POS) card.

20/22

In this case, the cell phone is considered to be a terminal.

Likewise, the present invention provides a two card system for use with two different transaction terminals to facilitate the transaction of information in practice.

Second incorporation

Please refer to FIGURE 4.

It illustrates a block diagram of a second embodiment of a smart card within a two card system for use with a communication terminal in accordance with the present invention.

As shown in FIGURE 4 the two card system for use with the communication terminal 40 consists of a first card 42 and a second card 41.

The first card 42 has a first memory 421 for storing the first identification information which includes first personal information, first secret keys and first security functions for use in communication with a remote terminal 49 through the communication terminal 40.

The second card 41 includes a processor 410, a second memory 411, a third memory 412 and a selection device 413.

Second memory 411 stores second identification information which includes second personal information, second secret keys, and second security functions for use in communication with a remote terminal 49 via communication terminal 40.

The third memory 412 can store the first personal information which is not guaranteed by the first card

21/22

32.

The selection device 413 is for determining a security function of the first card and the second card which is to be performed.

The processor 410 makes the first card 42 or not based on whether the first card or the second card is selected by means of the selection device 413.

In this incorporation, both the first card 42 and the second card 41 could be a SIM card (Subscriber Identity Module 10 subscriber identity module), a USIM card (Universal Subscriber Identity Module - universal subscriber identity module), a UIM card (User Identity Module - user identity module) and a RUIM card (Removable User Identity Module - removable user identity module), which are used for different mobile communication systems.

When two SIM cards are considered as first card 42 and second card 41, respectively, the second SfM card could integrate both information from the two SIM cards, such as two phone books.

The selection device is usually presented in the SIM Toolkit menu which provides the user with an interface to select the SIM that should be used to register with the mobile network.

In practice, the two card system is able to integrate two SIM cards into a communication terminal, i.e., mobile phone.

According to the present invention, a mobile telecommunications company could provide the service to its user

22/22 to integrate an old SIM card from another company with a new SIM card.

The user could make a phone call with two different IDs by selecting one of the two cards

YES to your choice.

While the invention has been described in terms of what is presently considered to be the most practical and preferred embodiments, it should be understood that the invention need not be limited to the disclosed embodiments.

On the contrary, it is intended to cover various modifications and similar arrangements included within the spirit and scope of the attached claims, which must be agreed with the broadest interpretation in order to encompass all such modifications and similar structures.

1/3

Claims (13)

1. IMPROVEMENT INTRODUCED IN A SMART CARD, containing a processor and a first interface for use in communicating with a terminal, said processor including a means of generating ATR (Answer To Reset) signal, characterized by the fact that said smart card has a second interface for use in communication with another smart card and RST generation means for generating an RST restart signal for said other smart card, thus allowing said other smart card to be controlled by said smart card. 2. IMPROVEMENT INTRODUCED IN SMART CARD, according to claim 1, characterized by the fact that the processor still includes a storage for receiving and saving another ATR signal from said other smart card. 3. IMPROVEMENTS INTRODUCED IN A SMART CARD, according to claim 1, characterized by a smart card, where said processor also includes means of generating PTS request (Protocol Type Selection) for the generation of a PTS request signal for said other smart card. 4. IMPROVEMENTS INTRODUCED IN SMART CARD, according to claim 1, characterized by a smart card, where said processor also includes means of generating PTS response for the generation of a PTS response signal for said terminal. 5. IMPROVEMENTS INTRODUCED IN SMART CARD, according to claim 3, characterized by a Petition 870180047437, of 06/04/2018, p. 10/28 2/3 smart card, where said processor further includes means for determining PTS to determine whether said PTS request signal is acceptable to both said terminal and said other smart card. 6. IMPROVEMENTS INTRODUCED IN AN INTELLIGENT CARD, according to claim 1, characterized by a smart card, where said processor also includes a clock regulator for the supply of a clock frequency for said other smart card. 7. IMPROVEMENT INTRODUCED IN SMART CARD, according to claim 1, characterized by a smart card, where said processor still includes means of determining APDU (Application Protocol Data Unit) to determine if a signal from APDU command issued from said terminal is associated with said smart card or said other smart card. 8. IMPROVEMENTS INTRODUCED IN AN INTELLIGENT CARD, according to claim 1, characterized by a smart card, where said processor still includes means of generating APDU command for the generation of an APDU command signal for said other smart card. 9. IMPROVEMENT INTRODUCED IN SMART CARD, according to claim 1, characterized by a smart card, where said processor also includes a storage for receiving and recording an APDU response signal from said other smart card. 10. IMPROVEMENT INTRODUCED IN SMART CARD, according to claim 1, characterized by a smart card, where said processor still includes means of Petition 870180047437, of 06/04/2018, p. 11/28 3/3 response APDU generation for the generation of a response APDU signal for said terminal. 11. IMPROVEMENT INTRODUCED IN SMART CARD, according to claim 1, characterized by a smart card, where said smart card is provided with an antenna for communication with another terminal. 12. IMPROVEMENT INTRODUCED IN SMART CARD, according to claim 1, characterized by a smart card, where said smart card comprises a SIM card (Subscriber Identity Module), a USIM card (Universal Subscriber Identity Module identity card) universal subscriber) and a RUIM (Removable User Identity Module) card. 13. IMPROVEMENTS INTRODUCED IN AN INTELLIGENT CARD, according to claim 1, characterized by a smart card, where said smart card or said other smart card comprises an ATM card. Petition 870180047437, of 06/04/2018, p. 12/28 1/6 The O