Classifications

• • B—PERFORMING OPERATIONS; TRANSPORTING
  • B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
  • B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
  • B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
  • B42D25/30—Identification or security features, e.g. for preventing forgery
  • B42D25/328—Diffraction gratings; Holograms
• • B—PERFORMING OPERATIONS; TRANSPORTING
  • B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
  • B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
  • B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
  • B42D25/30—Identification or security features, e.g. for preventing forgery
  • B42D25/36—Identification or security features, e.g. for preventing forgery comprising special materials
  • B42D25/373—Metallic materials
• • B42D2033/16—
• • B—PERFORMING OPERATIONS; TRANSPORTING
  • B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
  • B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
  • B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
  • B42D25/30—Identification or security features, e.g. for preventing forgery
  • B42D25/36—Identification or security features, e.g. for preventing forgery comprising special materials
  • B42D25/369—Magnetised or magnetisable materials

Definitions

• the invention relates to a document of value, in particular a credit card, identity card or ticket, which has on one of its surfaces a security element comprising a magnetic layer and a reflective metal layer.
• the invention further relates to a transfer film, in particular a hot stamping film, for producing such a value document.
• DE 34 22 910 C1 describes an embossing foil which has a magnetic layer, a metal layer and a protective lacquer layer with a structure having a diffraction-optical effect.
• EP 0 559 069 B1 describes the structure of a value document with a metal layer and a magnetic layer, wherein a barrier layer is provided between the metal layer and the magnetic layer, which prevents the magnetizable particles of the magnetic layer from acting on the metal layer.
• the invention is based on the object of minimizing the occurrence of errors in the automatic reading out of information from a magnetic layer of a value document of the type mentioned in the introduction.
• This object is achieved by a value document which has a security element on its surface, wherein the security element has a magnetic layer for storing machine-readable information and a reflective, non-magnetizable metal layer, the metal layer is arranged above the magnetic layer with respect to the surface of the document of value , The metal layer and the magnetic layer overlap at least partially, and the magnetic layer overlapping region of the metal layer is divided into at least two galvanically separate regions.
• a transfer film in particular a hot stamping foil, for producing such a value document which has a carrier film and a transfer layer separable from the carrier film, which has a magnetic layer for storing machine-readable information and a reflective, non-magnetizable metal layer the metal layer is arranged between the carrier film and the magnetic layer, the metal layer and the magnetic layer at least partially overlap and the area covering the magnetic layer is subdivided into at least two galvanically separated regions.
• the invention is based on the finding that the reading errors occurring in value documents of the type mentioned above are due to an accumulation of electrical charge on the metal layer of the value document, which, in the use of the value document, is transferred by charge transport from the user's body to the metal layer of the document Value document is caused.
• the charge accumulated by electrostatic charging on the user's body is transferred or capacitively coupled to the metal layer of the value document during the use / contact of the value document when special environmental conditions occur. Because the area of the metal layer covering the magnetic layer is subdivided into at least two regions which are galvanically separated from one another, the charge which can be accumulated on the metal layer by such effects is considerably reduced on the one hand.
• the magnetic layer of the security element is formed in the form of a strip and subdivides the region of the metal layer covering the magnetic layer transversely to the longitudinal direction of the strip into at least two regions which are galvanically separated from one another.
• the separation of the metal layer transversely to the longitudinal direction of the strip even with the use of read heads covering the entire width of the strip-shaped magnetic layer, a secure potential separation between the human user and lying directly under the read head portions of the metal layer allows.
• this subdivision of the metal layer in the longitudinal direction of the strip no continuous, galvanically coupled surfaces are present, so that in the longitudinal direction of the strip different potentials can form.
• the regions of the metal layer which are galvanically separated from one another transversely to the longitudinal direction of the strip preferably have a maximum width which corresponds to the minimum distance between the slot of the reading device and the reading head of the reading device.
• the width of the transverse to the longitudinal direction of the strip galvanically separated regions of the metal layer thus has a maximum width of about 20 mm, preferably between 5 mm and 1 mm on.
• the magnetic layer covering The region of the metal layer to provide a plurality of island-shaped metallic areas, which are separated from each other by metal-free areas.
• galvanically separated regions of the metal layer are here to be understood areas of the metal layer, which are not connected via an electrically conductive connection with each other electrically conductive so that, for example, island-shaped areas of the metal layer, which does not have metallic areas of the metal layer or other conductive areas the layers of the security element lying above or below are connected to one another.
• Non-conductive layers in this case consist for example of a dielectric material.
• the island-shaped metallic regions of the metal layer preferably have an area of less than 100 mm 2 .
• the charge which can be absorbed by the island-shaped metallic region is limited in such a way that, for the overwhelming number of applications, a disruption of the reading process does not occur due to the charge possibly coupled in this region through the use of the value document.
• the width of the metal-free regions is at least 10 ⁇ m, preferably between 30 ⁇ m and 100 ⁇ m. As a result, a sufficient breakdown voltage strength is achieved with little influence on the overall visual appearance.
• the insular metallic regions of the metal layer each have a width of less than 400 .mu.m, preferably a width of between 200 .mu.m to
• the ratio of the total area of the island-shaped metallic areas to the area of the metal-free areas separating these areas must be greater than 6, preferably greater than 9.
• the island-shaped metallic areas in a line grid or area grid with a grid spacing D.
• the line grid is in this case preferably aligned with the longitudinal axis of the magnetic layer, that the lines of the line grid are aligned transversely to the longitudinal axis of the magnetic layer.
• Area grid which is aligned on two mutually orthogonal axes
• a geometrically transformed line or area grid which is aligned for example on shaft or circular axes.
• the island-shaped metallic regions are each preferably arranged at a constant distance B from each other.
• the ratio of the screen width D preferably has a value of 5 to 200.
• the screen width D is preferably less than 300 microns.
• a dielectric material is provided in the metal-free regions separating the island-shaped metallic regions.
• the dielectric material may also consist of a dispersion of reflective pigments in a dielectric binder. This makes it possible to further increase the dielectric strength without having to compromise on the visual appearance of the metal layer.
• metal-free areas of the metal layer are here to be understood areas of the metal layer in which no metallic coating is provided, or an applied metallic coating by means of ablation (laser ablation, mechanical abrasion), by means of etching (positive / negative etching) or a washing process was subsequently removed again.
• the security element further comprises at least one dielectric layer which is provided above the metal layer with respect to the surface of the value document.
• this dielectric layer is preferably formed by an optical security layer or a sub-layer of an optical security layer.
• the security element has two or more metal-free edge regions in which the metal layer is not provided or subsequently removed, as already explained above, and furthermore a dielectric material is provided for encapsulating the metal layer.
• edge regions of the metal layer are galvanically separated from the central regions of the metal layer, whereby the same advantage is achieved.
• the security element has a security layer, which may have a multilayer structure and is provided above the metal layer with respect to the surface of the value document.
• the security layer has, for example, a lacquer layer into which a diffraction-optical structure is molded which exhibits an optically variable effect.
• a lacquer layer into which a diffraction-optical structure is molded which exhibits an optically variable effect.
• a hologram, a Kinegram® or a diffraction grating with a special frequency of more than 300 lines / mm is molded into the lacquer layer.
• a macrostructure for example a refractive microlens grid, a matt structure or an asymmetrical structure, for example a blaze grating, to be molded into the lacquer layer.
• the security layer can furthermore also have an interference layer system which generates an angle-dependent color shift effect by means of interference.
• interference layer systems are distinguished by one or more spacer layers whose thickness satisfies the ⁇ / 4 or ⁇ / 2 conditions for one or more wavelengths, preferably in the range of visible light.
• the spacer layer preferably consists of a transparent, dielectric material.
• the security layer it is also possible for the security layer to comprise a crosslinked liquid-crystal layer, In particular, it has a crosslinked cholesteric liquid crystal layer which exhibits a viewing angle-dependent color change effect.
• the security layer has layers which comprise a fluorescent or thermochromic material.
• the metal layer is preferably made of aluminum, chromium, silver, copper or gold or an alloy of at least two of these metals. Furthermore, a lacquer layer and / or a barrier layer is preferably provided between the magnetic layer and the metal layer, which prevent the magnetic pigments present in the magnetic layer from acting on the metal layer and electrically insulate the metal layer from the magnetic layer.
• Fig. 1 shows a plan view of an inventive document of value.
• FIG. 2 shows a section along a line I-I through the document of value according to FIG. 1.
• FIG. 3 shows a schematic illustration of the structuring of a metal layer of the value document according to FIG. 1.
• FIG. 4 shows a section along a line INI through the value document according to FIG. 1.
• FIG. 5 shows a schematic representation of a metal layer of the
• Fig. 6 shows a schematic representation of a metal layer of
• Fig. 7 shows a schematic representation of a metal layer of
• FIG. 8 shows a section-wise, schematic section through a transfer film according to the invention.
• Fig. 1 shows the back of a credit card 1.
• the credit card 1 On the back surface, the credit card 1 has a strip-shaped security element 2. The
• Security feature 2 is arranged on a plastic card-shaped carrier body 3, in which, for example, the name of the cardholder and the credit card number is stamped.
• the strip-shaped security element 2 can run over the entire width of the credit card 1 or - as indicated in Fig. 1 - the width of the credit card 1 only partially overlap.
• the strip-shaped security element 2 is in this case formed in the form of a magnetic strip, as it is usually provided in credit cards for storage of machine-readable information.
• the security element 2 thus has a width of approximately 10 to 12 mm and a length of, for example, 82 mm.
• the security element 2 is placed on the back of the credit card 1 in the same manner as the magnetic stripe of a conventional credit card so that machine-readable information stored in the security element 2 can be read by the read head of a conventional reader.
• the security element 2 has a reflective metallic layer, which gives the security element 2 a metallic-reflecting visual appearance. Furthermore, the security element 2 has a plurality of optically variable security features 21, which are preferably diffraction-optical security elements such as holograms, Kinegrame® or a kinetic effect-generating diffraction grating.
• the back of the credit card 1 still has an identifier 4 and possibly other optical security features.
• the construction of the security element 2 is now outlined by way of example in FIG. 2, which shows a section through the credit card 1 along the line II.
• FIG. 2 shows the plastic body 3 and the security element 2 applied to the plastic body 3.
• the security element 2 has an adhesive layer 26, a magnetic layer 25 for storing machine-readable information, a lacquer layer 24, a reflective, non-magnetizable metal layer 23 and an optical security layer 22 on.
• the optical security layer 22 consists of a protective lacquer layer and a replication lacquer layer in which a diffraction-optical structure is introduced by means of an embossing punch or by means of UV replication.
• the security layer 22 may comprise one or more further layers which provide an optically recognizable security feature, preferably in combination with the reflective metal layer 23.
• the optical security layer has a thin-film layer system consisting of an adsorption layer and a dielectric spacer layer, which satisfies the ⁇ / 4 condition for a wavelength in the visible light range and thus in combination with the metal layer 23 a viewing angle-dependent Color shift effect shows.
• the optical security layer 22 has an orientation layer for orienting a liquid crystal material and one or more layers consisting of a crosslinked and oriented liquid crystal material having a
• the security layer 22 preferably comprises one or more dielectric layers, the term "dielectric layer” in this context encompassing both organic and inorganic layers with dielectric properties (non-electrically conductive) it is possible for the optical security layer 22, in addition to one or more lacquer layers and / or inorganic layers, also to comprise one or more layers consisting of a plastic film, for example a polyester film.
• the magnetic layer 24 consists of a dispersion of magnetic pigments, which is usually iron oxide, in a binder.
• the magnetic layer in this case preferably has a thickness of 4 to 12 microns. Further, it is also possible that the magnetic layer 24 consists of a sputtered layer of a magnetic material, wherein in this case the magnetic layer can be chosen significantly thinner.
• the lacquer layer 25 has a thickness of 0.2 to 5 microns.
• a layer system of one or more layers in particular a layer system comprising a barrier layer, which prevents an influence of the magnetizable particles of the magnetic layer on the reflective metal layer 23.
• the metal layer 23 is applied to the security layer 22 by vapor deposition in vacuum.
• the metal layer 23 may in this case consist of aluminum, but is preferably made of chromium, copper, silver or gold or an alloy of at least two of these metals. Further, it is also possible that the metal layer 23 is made of tin or a tin alloy.
• the security element 2 can in this case be applied to the plastic body 3 as part of the transfer layer of a transfer film.
• one or more of the layers of the security element 2 are applied directly to the plastic body 3, for example by a printing process, and the remaining layers, for example the optical security layer 22 and the metal layer 23, then as part of a transfer layer of a transfer film , For example, a hot stamping foil, are applied to these layers.
• the metal layer 23 is structured in such a way that the region of the metal layer covering the magnetic layer is subdivided into at least two regions which are galvanically separated from one another. This is shown by way of example in FIG schematic top view of the metal layer 23 and the underlying layer stack of the security element 2 illustrates.
• the metal layer 23 is formed by a plurality of island-shaped metallic regions 231, each separated by metal-free regions between the resist layer 24 and the optical security layer 22, and thus galvanically separated from each other.
• the island-shaped regions 231 are in this case separated from one another transversely to the longitudinal direction of the strip-shaped security element, so that the metal layer 23 is split longitudinally into the security element 2 into a plurality of galvanically decoupled regions. As indicated in Fig.
• the security element 2 is formed from a band-shaped transfer film whose metal layer is structured according to a repetitive pattern.
• the distance between the galvanically separated regions of the metal layer 23 is preferably chosen so that the maximum occurring width of the island-shaped
• Areas 231 satisfies the conditions described above for any positioning of the read head.
• the island-shaped metallic regions 231 have a width between 5 mm and 1 mm and an area of less than 100 mm 2 .
• FIG. 4 now shows a section through the credit card 1 according to the indicated in Fig. 1 line H-II. 4 shows the plastic body 3 and the security element 2 with the adhesive layer 26, the magnetic layer 25, the lacquer layer 24, the metal layer 23 and the optical security layer 22.
• the metal layer 23 is subdivided into the island-shaped metallic regions 231.
• a dielectric material for example a lacquer, is provided on the level of the metal layer 23.
• FIG. 5 shows another possible structuring of the metal layer of FIG. 5
• the metal layer 232 sketched in FIG. 5 has island-shaped metallic regions 233 which are separated from one another by a non-conductive region 234.
• the non-conductive region 234 is a region in which there are a plurality of microscopically fine, insular metallic regions having a width of less than 400 ⁇ m, preferably less than 200 ⁇ m. Further, in this range, the ratio of the total areas of the microscopically fine, insular metallic areas to the area of the separating metal-free areas present in these areas is greater than 6, preferably greater than 9, so that the areas 234 are considered to be full-area, metallic to the human observer reflective surfaces appear. With regard to the dimensions of the island-shaped metallic regions 233, what has already been described above with reference to FIG.
• the non-conductive regions 234 can have a relatively large areal dimension, for example a surface dimension of greater than 10 mm 2 , so that a high dielectric strength between adjacent island-shaped metallic regions 233 can be achieved without significantly affecting the overall visual impression.
• Fig. 6 illustrates a further possible structuring of the metal layer of the security element 2.
• Fig. 6 shows a portion of a portion of a
• Metal layer 235 which is formed by a plurality of island-shaped metallic regions 236, which are arranged in a grid with a grid width D.
• the island-shaped metallic regions 236 having the width F are in each case arranged at a distance B from each other.
• the ratio of the screen width D to the distance B in the range of 5 to 200 is selected, whereby on the one hand a high dielectric strength between the metallic regions 236 is achieved and on the other hand, the metallic reflective impression of the metal layer 235 is maintained.
• the screen width D is selected smaller than 300 microns.
• those between the insular metal regions 236 provided metal-free regions 237 of the metal layer 235 filled with a dielectric material.
• FIG. 7 shows a metal layer 238 in which a plurality of island-shaped metal layers 239 are separated from each other by a metal-free region 40.
• the width of the randomly shaped island-shaped metallic portions 239 is preferably smaller than 200 ⁇ m, and the distance between the island-shaped metal portions is to be selected so that the total area of the island-shaped metallic portions becomes the metal-free portions is on average greater than 9 and thus the optical impression of the metal layer 238 is not influenced by the structuring in island-shaped areas.
• the metal layer 7 may be formed, for example, by the vapor deposition of an Sn layer on a non-germinated lacquer layer. This results in an island layer formation, the metal layer consists of a plurality of spaced apart small platelets with a platelet diameter of less than 1 micron.
• the transfer film 6 shows a transfer film 6 for producing the value document according to FIG. 1.
• the transfer film 6 comprises a carrier film 61, a release layer 63, and a transfer layer 62 having a protective lacquer layer 64, a replication lacquer layer 65, a metal layer 66, an adhesion-promoting layer 67, a barrier layer 68, a magnetic layer 69 and an adhesive layer 70.
• the carrier film 10 is formed by a plastic film, preferably a polyester film having a thickness of 12 to 23 ⁇ m. On this polyester film, the following layers are preferably applied by means of a gravure roll and optionally dried. In this case, a layer of a wax-like material is preferably applied as the release layer 63.
• the protective lacquer layer 64 and the replication lacquer layer 65 have a thickness of 0.3 to 1.2 ⁇ m.
• the replication lacquer layer 65 consists of a thermoplastic lacquer in which by means of a heated rotating embossing cylinder or by stroke embossing a diffractive optical structure 71, for example a hologram or Kinegram®, is impressed.
• a washcoat layer is subsequently printed on the replication lacquer layer 66 in the regions in which the metal layer 66 is to be interrupted by metal-free regions. Subsequently, the metal layer 66 is vapor-deposited and then the washcoat layer and the overlying areas of the metal layer 66 are removed by means of a washing process.
• the metal layer may also be patterned by means of an etching process.
• an etching resist or an etchant is printed on the metal layer 66 in pattern form.
• the metal layer 66 it is also possible for the metal layer 66 to be removed in regions by means of a lithographic method or by means of a laser in order to form the above-described regions of the metal layer that are galvanically separated from one another.
• the metal layer 66 has a thickness of 0.01 to 0.04 ⁇ m.
• the adhesion promoting layer 12 has a thickness of 0.2 to 0.7 ⁇ m.
• the barrier layer 68 has a thickness of 0.5 to 5 ⁇ m.
• the magnetic layer 69 has a thickness of 4 to 12 ⁇ m, preferably about 9 ⁇ m.
• the adhesive layer 70 has a thickness of 0.3 to 1.2 ⁇ m.
• the different layers of the transfer film 6 can be composed as follows:
• Metal layer 66 Vacuum-deposited layer of aluminum, chromium, copper, silver or gold or alloys thereof.
• This consists of a dispersion of needle-shaped ⁇ -Fe 2 ⁇ 3 -Magnetpigments in a polyurethane binder, various paint assistants and a solvent mixture of methyl ethyl ketone and tetrahydrofuran.
• the magnetic layer does not necessarily have this composition.
• Fe 2 O 3 pigments it is also possible to use, for example, other magnetic pigments, for example Co-doped magnetic iron oxides or other finely dispersed magnetic materials (Sr, Ba ferrites).
• the binder combination of the magnetic layer 69 can also be chosen such that the adhesion-promoting layer can be dispensed with, since directly a good adhesion results directly on the metal, which may be important if the barrier layer 68 is omitted.
• the adhesive layer 70 may be a hot-melt adhesive layer known per se.
• the attachment of this layer is not always necessary. This depends on the composition of the substrate of the value document on which the embossing film is to be embossed. For example, if the substrate is made of PVC, which is usually the case with credit cards, a special hot-melt adhesive layer can usually be dispensed with.

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• Credit Cards Or The Like (AREA)
• Inspection Of Paper Currency And Valuable Securities (AREA)

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Publications (2)

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• 2006
  • 2006-04-03 DE DE102006015818A patent/DE102006015818A1/de not_active Withdrawn
• 2007
  • 2007-04-02 EP EP07723890A patent/EP2001689B1/fr not_active Not-in-force
  • 2007-04-02 US US12/225,939 patent/US8132736B2/en not_active Expired - Fee Related
  • 2007-04-02 DE DE502007005200T patent/DE502007005200D1/de active Active
  • 2007-04-02 AU AU2007236281A patent/AU2007236281B2/en not_active Ceased
  • 2007-04-02 CN CN2007800112202A patent/CN101437694B/zh not_active Expired - Fee Related
  • 2007-04-02 AT AT07723890T patent/ATE482830T1/de active
  • 2007-04-02 CA CA2646695A patent/CA2646695C/fr not_active Expired - Fee Related
  • 2007-04-02 WO PCT/EP2007/002949 patent/WO2007115725A2/fr active Application Filing

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