DE102010033455B4 - A composite chip card with security protection interface and a method of controlling this card - Google Patents

Abstract

A composite chip card (20) having a security protection interface (230), the composite chip card (20) comprising: a carrier (200); at least one induction coil (210) adapted for receiving and transmitting at least one chip module (220) disposed on the support (200) and electrically connected to the induction coil (210) suitable for receiving and transmitting electrical power Waves is configured; andat least one security protection interface (230) disposed on the carrier (200) and including: a sensor-provided security protection module (132), characterized in that the security protection interface (230) further includes: a mechanical security protection Module (232) connected to the chip module (220) and configured to control the activation and operation of the chip module (220); andwherein the sensor-provided security protection module (132) is a heat-sensing security protection module connected to the chip module (220) and configured to control the activation and operation of the chip module (220). wherein the sensor-provided security protection module (132) is connected to the control unit (134) such that the one control unit (134) can control the operation of the sensor-provided security protection module (132), and a control unit (134), connected to the mechanical safety module (232) and configured to control the operation of the mechanical safety module (232).

Description

Field of the invention

The present invention relates to a composite chip card having a security protection interface and a method of controlling this card. More particularly, the present invention relates to a composite chip card having an induction coil, a chip module and a security protection interface, and a method of controlling the composite chip card.

State of the art

As world market competition increases, card payment is playing an increasingly important role and is already essential for purchasing, payment and various commercial transactions in all developed countries and territories around the world. In fact, card payment today is as important as traditional money.

In recent years, the continued advancement and miniaturization of integrated circuits (ICs) has yielded numerous card payment benefits. Recently, payment cards have been equipped with miniaturized integrated circuits to form chip cards that have more functions and are more widely used than payment cards without integrated circuits. These types of smart cards have evolved to meet the needs of customers, from contact cards (eg, credit cards, bank cards, and health insurance cards) to contactless cards (eg, EasyCards and access control cards). Today, there are also composite chip cards that have both contact interfaces and contactless interfaces, such as the Visa Wave card, which is created by Visa International Service Association (VISA), smart ID cards and electronic purses ,

The contactless cards work on the principle of "Radio Frequency Identification (RFID)", ie radio identification, as in 1 shown. An RFID system essentially contains at least one label A10 , a reading device A20 and a host A30 , The label A10 is configured to store user information of all kinds. The reading device A20 is a device for reading on the label A10 stored information or to store information on the label. The reading device A20 transmits the read information to the host A30 which decodes the information by means of various application programs and thus helps the user to make the right decision quickly. The label A10 also contains a radio frequency module A11 , a microprocessor A12 and an electrically erasable programmable read only memory (EEPROM) A13 , If that of the reading device A20 radiated radio waves, generates the label A10 an "alternating magnetic field". Then the radio frequency module A11 and the microprocessor A12 of the label A10 enabled to be in EEPROM A13 contained information about the reading device A20 transferred to. The reading device A20 then transmits the data to the host via a wired or wireless connection A30 ,

The label A10 can be either active or passive. An active label A10 Contains a battery and can provide information about the reading device at any time A20 transfer. It also indicates the active label A10 a relatively long transmission distance and a relatively large memory, although therefore it is of course relatively expensive. On the other hand, a passive label A10 operated with an induced microcurrent in the label A10 as a result of the reading device A20 emitted electric waves is generated. The passive label A10 uses the same electrical waves to get the information back to the reader A20 so that in this case only a relatively short transmission distance is possible. The passive label A10 has the following advantages: no battery requirements, compact design, low price, long life and portability of stored information. The passive label A10 has a built-in antenna for receiving and generating high frequency waves and thus for receiving and transmitting data.

The reading device A20 contains a high-frequency module A21 and a microprocessor A22 , The host A30 and the various application programs serve to control the reading device A20 in the following operations: receiving, transmitting, identifying and managing the data.

Currently, the ISO standards applicable to the RFID industry are the norm ISO 14443 for Proximity Coupling SmartCards and ISO 15693 for Vicinity Coupling SmartCards. ISO 14443 specifies the operating standard for SmartCards that are read contactlessly up to a distance of 10 cm. Most mass transit tickets fall into this category of smart cards. On the other hand ISO 15693 An operating standard for SmartCards with a reading distance of up to 1 m and applies to access control cards in general. While both standards are mainly for smart cards, Table 1 shows a comparison of their characteristics. Table 1. Comparison between ISO 14443 and ISO 15693 function ISO 14443 ISO 15693 operating frequency 13.56 MHz 13.56 MHz reading distance Immediate Proximity Closer surroundings (Vicinity) Chip type Microcontroller (MCU) or wired motherboard (an electronic circuit without MCU) Wired Logic Memory memory 64 bytes - 64 kB 256 bytes ~ 2 kB Readability and writability Readable and writable Readable and writable Data transfer rate (kbps) Up to 106, can be increased up to 848 Up to 106 shockproof Yes Yes

In addition, the ISO 18000 Item Management series is the first set of international standards for radio communications technology used in logistics systems. Given the importance of supply chain management, the ISO (International Organization for Standardization) has organized an ISO / IEC team to prepare the Series 18000 standards as guidelines for RDID air interfaces for item management. Currently, the series includes ISO 18000 six parts as shown in Table 2. The most important part of the series is ISO 18000-6 whose target frequency range, namely 860 ~ 930 MHz, is the optimal choice for logistics management. Thus, ISO 18000-6 is an important international standard for supply chain RFID application techniques. Table 2. Standards of the ISO 18000 series part Subject of the standard field of use 18000-1 General parameters for Air Interface Communication (AIC) for worldwide permitted frequencies 18000-2 Parameters for AIC below 135 MHz Paper labels at short distances, such as access control cards 18000-3 Parameters for AIC at 13.56 MHz Wired Logic Memory 18000-4 Parameter for AIC at 2.456 MHz Far-reaching applications, such as real-time positioning systems 18000-5 Parameter for AIC at 5.8 MHz 18000-5 was canceled. 18000-6 Parameters for AIC at 860 ~ 930 MHz Best suited for logistics and active management. 18000-7 Parameters for AIC at 433.92 MHz Similar to 18000-6, but with a lower reading speed and higher susceptibility to interference caused by other communication devices.

Below is a brief description of the transaction specifications of "Visa Wave". To speed up transactions in channels, only small amounts of transactions Involve a "Visa Wave" cardholder need not sign if the transaction amount does not exceed 3000 TWD (about 70 €). In addition, the issuer of a "Visa Wave" card is entitled to decide whether, based on risk control reasons, an ordinary "online transaction" or a faster "offline transaction" applies to a particular transaction. An offline transaction is safer than an online transaction because each Visa Wave card has a "cumulative risk money". If the cumulative transaction amount exceeds a certain threshold, the procedure for the "online transaction" is automatically applied so that the transaction is verified via a terminal with the issuer bank to guarantee payment security.

Online transactions today are the predominant transaction mode. However, according to the online transaction procedure, each transaction must be notified to the issuing bank but a terminal and can not be completed until the terminal receives the confirmation and authorization from the bank. Therefore, the time required for each transaction is about 30 seconds. In contrast, an offline transaction is a transaction mode intended for handlers who make small transactions but who need to pay quickly. If a cardholder makes an offline transaction, the transaction can be completed without requiring it to be authorized by the issuing bank. Therefore, it takes only two to five seconds to complete the transaction.

The existing composite chip cards are fabricated with various advanced in-chip encryption mechanisms and use Dynamic Data Authentication (DDA) to increase the security of the transaction and data transfer, thus allowing for data theft or remote copying of data during the transaction effectively prevented. However, as consumers have the cards with them for convenience and the composite chip cards can be detected via radio signals, there have been some instances in which fraudsters used radio transmitters and sensors to capture the card data. These illegal activities are very hard to discover and control. Therefore, it is a serious and urgent matter to protect the composite chip cards against data theft and subsequent unlawful use.

DE 19610070A1 discloses a smart card with a memory module which is able to detect a deviation of the permitted operating state of a control circuit via a sensor circuit and at least partially clears the memory contents of the memory modules in the presence of an unauthorized operating state. The sensor circuit detects, for example, a deviation of the operating voltage or the operating clock.

DE 102009030964A1 concerns contact smart cards or contactless smart cards. Various deviations from the normal state, such as a normal supply voltage, are analyzed via limits for specific characteristics in order to distinguish between an alarm scenario and a non-alarm scenario.

DE 19631569 A1 discloses a smartcard having a fingerprint scanner and a light scanner, wherein the activated light sensor signals after removal of the finger that data being read is valid.

As a solution to the above-mentioned problem, the present invention provides a simple but effective apparatus and method with a security protection interface to protect the customer data against theft and the chip cards against unauthorized use, thus ensuring the security of the Composite chip cards is increased, even if the user usually has these cards with them and used.

Object of the invention

In view of the above-mentioned problems of the prior art, the inventor of the present invention has put into practice his years of experience, as well as his imagination and creativity, and finally, after repeated attempts and modifications, a composite chip card with a security protection interface and method for the control of this card, as set out in this document.

The first object of the present invention is to provide a composite chip card having a security protection interface, where the composite chip card includes at least one induction coil, at least one chip module, and at least one security protection interface. The security protection Interface also includes a safety protection module with a sensor and a control unit The safety protection module with sensor activates the safety protection mechanism via the sensor and thus enables the transaction. In this way, the security is increased when using the composite chip card.

The second object of the present invention is to provide a composite chip card with a security protection interface, where the composite chip card includes at least one induction coil, at least one chip module, and at least one security protection interface. The security protection interface further includes a mechanical security protection module and a control unit. The mechanical security protection module controls the execution of the transaction depending on whether a mechanical structure is changed or not. Thus, the security in the use of the composite chip card is improved.

The third object of the present invention is to provide a method of controlling a composite chip card having a security protection interface. When it is desired to perform a transaction over the composite chip card with the security protection interface, the security protection interface of the composite chip card must first be activated because otherwise the transaction can not be performed. Thus, the security is ensured when using the composite chip card.

To achieve the above objects, the present invention provides a composite chip card with a security protection interface, wherein the composite chip card has a carrier, at least one induction coil capable of receiving and transmitting electric waves. at least one chip module and at least one security protection interface.

The induction coil is located on a support. The chip module is also located on the carrier and is electrically connected to the induction coil.

And the security protection interface is also on the carrier. The security protection interface further includes a security protection module connected to the chip module and a control unit connected to the security protection module. The safety protection module is a safety protection module with a sensor or a mechanical safety protection module.

In order to achieve the above objects, the present invention also provides a method of using the composite chip card with a security protection interface, which method can be used for contactless payment transactions and comprising the steps of: contacting in the first step a user of the composite chip card requests a system regarding a request concerning this composite chip card, and thus the composite chip card is activated. In addition, the first step is the verification of user data and the setting of a dynamic authentication function of the composite chip card. In the second step, the security protection interface of the composite chip card is activated by setting and storing an actuation state of the security protection interface, whereupon the functions of the security protection interface are activated. In the third step, a contactless payment transaction is made over the composite chip card with a commercial organization of a contactless payment system. The third step also includes: deactivating the security protection interface; Collecting, receiving and verifying various information related to the user and the transaction via a terminal device of the contactless payment system; Creation of a transaction check, completion of the transaction, and finally re-activation of the security protection interface of the composite chip card.

In accordance with the present invention, the composite chip card with security protection interface and a method of controlling this card reduces the risk that the composite chip card will be remotely copied and used in a fraudulent manner when a user uses the composite chip Card carries and uses. Thus, the security is ensured when using the composite chip card.

list of figures

• 1 zeigt das RFID-Betriebsprinzip;
• 2A ist eine perspektivische Darstellung einer Verbund-Chip-Karte mit einer Sicherheitsschutz-Schnittstelle gemäß einer ersten bevorzugten Ausführungsform der vorliegenden Erfindung;
• 2B ist ein Blockdiagramm der in 2A gezeigten Verbund-Chip-Karte;
• 3A ist eine perspektivische Darstellung einer Verbund-Chip-Karte mit einer Sicherheitsschutz-Schnittstelle gemäß einer zweiten bevorzugten Ausführungsform der vorliegenden Erfindung;
• 3B ist ein Blockdiagramm der in 3A gezeigten Verbund-Chip-Karte;
• 4 ist eine schematische Schnittdarstellung eines mit Druckbetätigung funktionierenden Sicherheitsschutz-Moduls gemäß der vorliegenden Erfindung;
• 5 ist eine schematische Schnittdarstellung ein Druck messendes Sicherheitsschutz-Moduls gemäß der vorliegenden Erfindung; und
• 6 ist ein Ablaufdiagramm des Verfahrens zur Steuerung einer Verbund-Chip-Karte mit einer Sicherheitsschutz-Schnittstelle gemäß der vorliegenden Erfindung.

The advantages and concept of the present invention may best be understood by reference to the following detailed description of the accompanying drawings. However, the figures are for illustration purposes only and in no way limit the scope of the present invention. To the figures:

• 1 shows the RFID operating principle;
• 2A Fig. 12 is a perspective view of a composite chip card having a security protection interface according to a first preferred embodiment of the present invention;
• 2 B is a block diagram of in 2A shown composite chip card;
• 3A Fig. 12 is a perspective view of a composite chip card having a security protection interface according to a second preferred embodiment of the present invention;
• 3B is a block diagram of in 3A shown composite chip card;
• 4 is a schematic sectional view of a pressure-operated safety protection module according to the present invention;
• 5 Fig. 12 is a schematic sectional view of a pressure measuring safety protection module according to the present invention; and
• 6 Figure 3 is a flow chart of the method of controlling a composite chip card with a security protection interface according to the present invention.

Description of the preferred embodiments

In order to achieve the above-mentioned objects and effects, the inventor of the present invention has combined a security protection interface with a conventional chip card with sensor, developed various security protection mechanisms to increase the security protection level, and finally a composite chip card with a security protection interface and obtained a method of controlling this card. The system structure and control method of the present invention are described in detail below with respect to a composite chip card having a security protection interface according to a first preferred embodiment, a composite chip card having a security protection interface according to a second preferred embodiment , and a method for controlling the composite chip card with a security protection interface as shown in the accompanying figures.

Please note 2A and 2 B 12, which is a perspective view and a block diagram, respectively, of a composite chip card with a security protection interface according to the first preferred embodiment of the present invention. As shown in the figures, contains the composite chip card 10 with a security protection interface 130 a carrier 100 , On the carrier 100 There is an induction coil 110 , a chip module 120 and a security protection interface 130 ,

The induction coil 110 can receive and transmit radio waves. The chip module 120 is electric with the induction coil 110 connected. The security protection interface 130 Includes a sensor-equipped safety protection module 132 and a control unit 134 , The sensor-equipped safety protection module 132 is with the chip module 120 connected and configured to the activation and operation of the chip module 120 to control. The control unit 134 comes with the sensor-equipped safety protection module 132 connected and configured to operate the sensor-equipped safety protection module 132 to control. The sensor-equipped safety protection module 132 is configured to detect light, heat, the resistance of a human body or fingerprints. The control unit 134 sets a trip condition for the sensor-equipped safety module 132 stores and stores it to the security protection features of the sensor-provided security protection module 132 to activate or deactivate.

In the first preferred embodiment, the sensor provided with a security protection module 132 Depending on the situation, capture light, heat, the resistance of a human body or fingerprints. The principles and implementation methods of these detection techniques are described below.

In general, a light sensing security protection module is intended to detect visible light or infrared light. Because the visible light comes from natural light sources, a visible light sensing security protection module need only be exposed to visible light to activate a security protection mechanism and thus facilitate the transaction. In other words, if a chip card 10 stored in a wallet or bag and thus kept away from sunlight, the light sensing security protection module, which is not exposed to visible light, does not allow the transaction. The transaction is only possible if the chip card 10 taken out of the pocket or wallet and exposed to visible light. Thus, the risk is greatly reduced that the Smart card 10 copied from a distance and the data are read out, in order to use them illegally. This is the advantage of a security protection module that is activated by visible light.

Infrared light, on the other hand, has the collimating properties of light and the undetectable properties of invisible light. Therefore, infrared light can be properly modulated to provide improved resistance to noise interference. The advantage of using a security protection module that detects infrared light is that the security protection module does not allow the transaction unless there is infrared lighting, whether the chip card 10 exposed to visible light or not. Therefore, the infrared light detecting safety protection module offers a higher protection than the safety protection module, which can only detect daylight.

A heat-resistant safety protection module is explained below. Since the normal body temperature of humans is between 35 ° C and 38 ° C, the control unit is 134 configured to adjust and store the user's normal body temperature range. Only when the heat-resistant safety module touches the user's skin and determines that the body temperature measured matches that in the control unit 134 stored information, the security protection module allows the transaction. In this way, the security in the use of the chip card 10 while minimizing the likelihood that the card will be remotely copied and made usable in order to misuse the data.

Next, the security protection module which can detect the resistance of a human body will be described. In general, human skin has a resistance of ten thousand ohms to one million ohms. As in the case of a heat sensing security protection module, the control unit is 134 configured in the same way to adjust and store the skin resistance of the user under normal conditions. Only when the safety-protection module that detects the resistance of the human body touches the user's skin and determines that the resistance measured is the same as that in the control unit 134 stored information, the security protection module allows the transaction. As a result, safety becomes the use of the chip card 10 improved because the chip card 10 can not be remotely copied and made usable in order to use the data then unlawfully.

Finally, the operation of a security protection module is described, which captures fingerprints. The control unit 134 is configured to capture and store the user's fingerprints. Only when the fingerprint capturing security protection module detects which comes into contact with the user's finger that the captured fingerprint matches that in the control unit 134 stored information, the security protection module allows the transaction. Therefore, security becomes the use of the chip card 10 improved because the chip card can not be remotely copied and made usable in order to use the data then unlawfully.

Please note 3A and 3B 12, which is a perspective view and a block diagram, respectively, of a composite chip card with a security protection interface according to the first preferred embodiment of the present invention. As shown in the figures, contains the composite chip card 20 with a security protection interface 230 a carrier 200 , On the carrier 200 There is an induction coil 210 , a chip module 220 and a security protection interface 230 ,

As in the first preferred embodiment, the induction coil 210 Radio waves are received and transmitted, and the chip module 220 is electric with the induction coil 210 connected. The security protection interface 230 contains a mechanical safety protection module 232 and a control unit 234 , The mechanical security protection module 232 is with the chip module 220 connected and configured to the activation and operation of the chip module 220 to control. The control unit 234 is with the mechanical safety module 232 connected or covers this to the operation of the mechanical safety module 232 to control. The mechanical security protection module 232 is activated by pressure or pressure measurement and has safety features that are compatible with the control unit 234 can be activated, deactivated or controlled.

In the second preferred embodiment, the mechanical security protection module 232 a security protection module with pressure control 232 ' or a safety module with pressure measurement 232 ' , The principles and implementation methods of these detection techniques are described below.

4 refers to the safety module with push-button operation 232 ' in which the safety protection module with pressure control 232 ' by a control unit 234 ' is covered. If no transaction is to be made, there is no electrical connection between the security protection module with push-button operation 232 ' and the chip module 220 ' , However, if an external force on the control unit 234 ' is exercised, the security protection module changes 232 ' with pressure actuation its position mechanically due to the applied mechanical force, allowing an electrical connection with the chip module 220 ' will be produced. Thus, the security protection mechanism is activated to facilitate the transaction.

5 shows the safety module with pressure measurement 232 ' , wherein the safety module with pressure measurement 232 ' by a control unit 234 ' is covered and also a pressure measuring unit 233 contains. When an external force on the control unit 234 ' is exercised, the pressure measuring unit 233 the safety protection module with pressure measurement 232 ' subjected to an applied pressure. If the pressure exceeds the value in the safety module with pressure measurement 232 ' has been preset, the safety protection module with pressure measurement 232 ' electrically with a chip module 220 ' to enable the security protection mechanism, thereby enabling the transaction.

Also, the composite chip card 20 usually kept in a wallet, which the user then puts in a pocket of his clothes. If the user then moves and puts his hand in his pocket, it is quite possible that the mechanical security protection module 232 accidentally touched. Then the security protection mechanism is activated, so there is a risk that the composite chip card 20 illegally used or copied from a distance. As a countermeasure, the chip module 220 also with a security protection module (such as the one in no 132 in 2A and 2 B shown), which is equipped with a sensor, wherein the control unit 234 is connected to this sensor-equipped safety protection module to control the operation of that module, whereby the safety-protection module equipped with a sensor can be a safety protection module which, by detecting light, heat, of the resistance of the human body or a fingerprint is activated. The control unit 234 is configured to detect and store the release condition of the sensorized security protection module to enable or disable the security protection features of the sensorized security protection module.

Since two safety protection mechanisms are available, the safety protection module equipped with a sensor prevents activation of the mechanical safety protection module 232 even if this was previously inadvertently touched and thus activated, so that way the risk of having the composite chip card 20 illegally used or copied remotely, is successfully reduced.

In addition, in addition to the composite chip card with security protection interface, the present invention also provides a method for controlling the composite chip card with security protection interface. The most important steps of the preferred embodiment of the method will now be described with reference to FIG 6 described in detail.

As in 6 10, the user of a composite chip card, when this composite chip card is to be used for a contactless payment action, contacts a system in communication with the publisher of the composite chip card, and asks in step 301 to activate the composite chip card; step 302 in which the user data is verified, and step 303 in which a dynamic data authentication function is set for the composite chip card.

In step 401 then the mechanical security protection interface of the composite chip card is activated; step 402 in which the operating state of the mechanical security protection interface of the composite chip card is set in advance (eg by a single push of the mechanical security protection interface or application of a defined pressure on the mechanical security protection interface); step 403 in which the operating state of the mechanical security protection interface is stored; and step 404 , in which the functions of the mechanical safety protection interface are activated.

After step 403 there is a step of activating the sensor-provided security protection interface of the composite chip card. This step includes setting in advance the release condition of the sensor-provided security protection interface of the composite chip card (eg, for detecting the ambient light, detecting the ambient temperature, detecting the resistance of a human body, and acquiring a fingerprint); the storage of the release condition of the sensor-provided security protection interface; and then activating the functions of the sensor-equipped security protection interface.

Then in step 500 carried out a contactless payment transaction on the composite chip card with a profitable organization of a contactless payment system. In step 501 the security protection interfaces of the composite chip card are deactivated. In step 502 The terminal device of the contactless payment system collects and receives the information associated with the composite chip card, including various personal information of the user associated with the contactless payment transaction. After the various information listed above from the contactless payment system in step 503 are checked in step 504 decided whether or not the various user information and the various information relating to the contactless payment transaction are correct. If the above information is all correct, the values of the above information are accepted and the process goes to step 505 continued. However, if any information is incorrect, the process goes directly to the last step.

In step 505 A transaction verification for the contactless payment transaction is created by the dynamic data authentication function, which transaction verification is a single, independent transaction verification. The transaction verification is displayed by the terminal device of the contactless payment system or printed out directly. After that, the contactless payment transaction will be in step 506 completed. Finally, the security protection interfaces of the composite chip card in step 507 reactivated.

As described above, the present invention has industrial applications, is novel and inventive. It therefore fulfills the requirements for the patent application. It is also to be understood that the preferred embodiments described in this document by no means limit the scope of the present invention. All equivalent changes or modifications that do not depart from the spirit of the present invention are within the scope of the appended claims.

Claims (9)

A composite chip card (20) having a security protection interface (230), the composite chip card (20) including: a carrier (200); at least one induction coil (210) configured for receiving and transmitting electrical waves and disposed on the carrier (200); at least one chip module (220) disposed on the carrier (200) and electrically connected to the induction coil (210) configured to receive and transmit electrical waves; and at least one security protection interface (230) disposed on the carrier (200) and including: a sensor-provided security protection module (132), characterized in that the security protection interface (230) further includes: a mechanical A security protection module (232) coupled to the chip module (220) and configured to control the activation and operation of the chip module (220); and wherein the sensor-provided security protection module (132) is a heat-sensing security protection module connected to the chip module (220) and configured to control the activation and operation of the chip module (220) wherein the sensor-provided security protection module (132) is connected to the control unit (134) such that the one control unit (134) can control the operation of the sensor-provided security protection module (132), and a control unit (134 ) connected to the mechanical safety module (232) and configured to control the operation of the mechanical safety module (232). Composite chip card (20) according to Claim 1 wherein the mechanical security protection module (232) is a security protection module with pressure actuation or a security protection module with pressure measurement. A method for controlling a composite smart card (20) having a security protection interface (230), the method for contactless payment transactions, and comprising the steps of: (A) the user of the composite chip card (20) contacts a system regarding a request concerning that composite chip card (20) so as to activate the composite chip card (20); characterized by (B) activating a mechanical security protection interface of the composite chip card (20), wherein (B) comprises: (Ba) setting the state of actuation of the mechanical security protection interface of the composite chip card (20); (Bb) storing the operation state of the mechanical security protection interface; and (Bc) activating the mechanical security protection interface; and (C) activating a sensor-provided security protection interface, wherein (C) comprises: (Ca) previously setting one actuation state of the sensor-provided security protection interface of the composite chip card (20); (Cb) storing the operating state of the sensor-provided security protection interface; and (Cc) activating functions of the sensor-provided security protection interface; (D) performing a contactless payment transaction via the federation chip card (20) with a commercial organization of a contactless payment system. Method according to Claim 3 in which the operating state of the sensor-provided security protection interface is selected from the group consisting of: detecting ambient light, detecting ambient temperature, detecting a resistance of a human body and capturing a fingerprint. Method according to Claim 3 in which the activation of the composite chip card (20) comprises: (Aa) checking the user data; and (Ab) setting a dynamic data authentication function of the composite chip card (20). Method according to Claim 3 in which step (C) further comprises the substeps of: (da) deactivating the security protection interface of the composite chip card (20); (Db) acquiring and receiving the information relating to the composite chip card (20) via a terminal device of the contactless payment system, the information relating to the composite chip card (20) relating to the user, and Information relating to the contactless payment transaction includes; (Dc) checking the various information of the contactless payment system; (Dd) creating a transaction verification for the contactless payment transaction by means of the dynamic data authentication function; (De) completing the contactless payment transaction; and (Df) reactivating the security protection interface of the composite chip card (20). Method according to Claim 6 wherein step (Dc) further determines whether the various information regarding the user and the various information on the contactless payment transaction are correct, then step (Dd) is performed if all the information is correct, and then step (Df) is performed if at least one piece of information is incorrect. Method according to Claim 6 where the transaction verification in step (Dd) is a single, independent transaction verification. Method according to Claim 6 , wherein the transaction check created in step (Dd) is displayed on the terminal device of the contactless payment system or printed out by this terminal.

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