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
• • 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 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 having 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 reflection layer, the reflection layer with respect to the
• This object is further from a transfer film, in particular a hot stamping foil, for producing such
• 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.
• the reflective layer according to the invention is configured not electrically conductive, On the one hand, the charge accumulated on the body of the user due to electrostatic charging is prevented from being transferred to the reflection layer and accumulated there. Furthermore, this also achieves a potential separation between a region of the reflection layer which is in communication with the human user and the region of the reflection layer of the value document arranged in the immediate vicinity of the reading head.
• a non-electrically conductive reflection layer shows the properties of an insulating material and preferably has a specific electrical
• the reflection layer consists of a non-electrically conductive material or of an arrangement of non-electrically conductive materials.
• the non-electrically conductive reflection layer thus consists for example of a single layer of a non-electrically conductive material, of several successive layers consisting of different, respectively non-electrically conductive materials or of a dispersion of non-electrically conductive particles or pigments in a non-electric conductive binder.
• the non-electrically conductive reflection layer consists of a dispersion of particles which show a certain electrical conductivity in a dielectric binder, as far as the reflection layer per se due to the mutual isolation of the particles by the non-electrically conductive binder in total not is electrically conductive. It is essential here that a surface area of less than 100 mm 2 of the reflection layer is not electrically conductive, preferably that a surface area of less than 1 mm 2 is not electrically conductive.
• the reflection layer preferably consists of one or more dielectric layers which have an optical refractive index which differs from that of the layer arranged above and / or below the reflection layer.
• dielectric high refractive index (HRI) or low refractive index (LRI) layers are used as such dielectric layers.
• Low-refractive layers are preferably understood as meaning layers whose optical refractive index is ⁇ 1.6.
• High-index layers are preferably understood as meaning layers whose optical refractive index is> 2.0.
• inorganic dielectric high / low refractive layers has proven particularly useful.
• lacquer layers consisting of an organic polymer, which usually exhibit low-refractive optical properties, can also be used as low-refractive layers.
• the reflection layer thus preferably consists of one or more dielectric layers which are applied over the whole area in the region of the reflection layer, for example by vapor deposition (in the case of inorganic dielectric layers) or printing (in the case of organic dielectric layers).
• the reflection layer consists of an alternating sequence of several high and low refractive index layers.
• the reflection layer consists of an odd-numbered sequence of three or more layers, wherein, starting from a high-index layer, a high-index layer is followed by a low-index layer and a low-index layer by a high-index layer.
• Such an arrangement of layers makes it possible to considerably increase the proportion of light reflected by the reflection layer.
• the portions of the incident light reflected at the refractive planes formed in this way add up so that the percentage of light reflected at the reflection layer increases correspondingly with the number of refraction planes.
• the above-described construction of the reflection layer of one or more low- and / or high-index layers in combination with a magnetic layer arranged under such a reflection layer exhibits particularly good optical properties: due to the usually dark body color of the under the reflection layer lying magnetic layer, a significant portion of the non-reflected, transmitted through the reflective layer portions of the incident light is absorbed by the magnetic layer, whereby disturbing interference effects are avoided by re-reflected by the magnetic layer portions of the transmitted light and a brilliant optical result is achieved.
• the non-conductive reflection layer consists of a crosslinked liquid crystal layer.
• the crosslinked liquid-crystal layer is preferably arranged over the full area in the entire region of the reflection layer.
• An orientation of the liquid-crystal molecules preferably takes place before the crosslinking of the liquid-crystal layer. The incident light is reflected at the lattice planes of the crosslinked liquid crystals.
• Magnetic layer It has been shown that due to the dark body color of the magnetic layer, a large part of the light components transmitted through the liquid crystal layer is absorbed here as well, and the above-described optically variable effect is therefore particularly effective.
• the reflection layer consists of a dispersion of reflective pigments in a dielectric binder.
• the reflective pigments are in this case preferably constructed from a sequence of high and low refractive index layers, each consisting of a dielectric material.
• these pigments have a metal core, preferably consisting of aluminum, chromium, copper, silver or gold, or an alloy thereof.
• the use of reflective effect pigments, for example interference-layer pigments, is also possible.
• the security element has a security layer, which may have a multilayer structure and is provided above the reflection layer with respect to the surface of the value document.
• Reflection layer serves to amplify the optical effect generated by the security layer, or it is an optical effect, in particular an optically variable effect, generated only after combining this security layer with the reflective layer.
• the security layer preferably has a lacquer layer into which a diffraction-optical structure is molded.
• a lacquer layer into which a diffraction-optical structure is molded.
• a hologram, a Kinegram® or a diffraction grating having a spatial 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 has layers which comprise a fluorescent or thermochromic material.
• a barrier layer is provided between the magnetic layer and the non-electrically conductive reflection layer.
• the magnetic layer preferably consists of a dispersion of magnetic particles in a binder, wherein the iron oxides commonly used for magnetic particles have larger proportions of chemically / physically bound water, which can lead to destruction of dielectric, inorganic layers of the reflective layer.
• a barrier layer consisting of hydrophobic inorganic pigments with a large (inner) surface is preferably arranged between the reflection layer and the magnetic layer, which is the diffusion of water in particular by the hydrophobic character the inorganic pigments and effectively prevented by their absorption capacity.
• the proportion by weight of such pigments in the barrier layer is preferably 10 to 30%.
• Fig. 1 shows a plan view of an inventive document of value.
• Fig. 2 shows a section along the line l-l through the document of value
• FIG. 3 shows a schematic representation of a reflection layer of FIG
• FIG. 4 shows a schematic representation of a reflection layer of FIG
• FIG. 5 shows a schematic representation of a reflection layer of FIG
• FIG. 6 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 reflection layer, which gives the security element 2 a special visual appearance.
• the security element 2 a plurality of visible in reflection optically variable security features 21, which are preferably to diffractive optical security elements such
• the back of the credit card 1 still has an identifier 4 and possibly other optical security features.
• FIG. 2 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 24 for storing machine-readable information, an adhesion-promoting layer 25, a reflective layer 23 and an optical security layer 22.
• 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 reflection layer 23.
• the security layer 22 it is also possible for the security layer 22 to have a layer with a repetitive micropattern and an optically transparent layer arranged above this layer, in which a microlens grid is molded.
• the security layer 22 preferably comprises one or more dielectric layers, the term "dielectric layer” in this context encompassing both organic and inorganic layers having dielectric properties (non-electrically conductive) one or more lacquer layers and / or inorganic layers also comprises 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.
• 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 adhesion-promoting layer 25 has a thickness of 0.2 to 5 ⁇ m and preferably consists of an organic lacquer layer.
• a layer system consisting 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 reflection layer 23.
• the reflection layer 23 is formed by a layer of a high refractive, preferably inorganic dielectric.
• the layer 23 thus consists, for example, of zinc sulfide, which is vapor-deposited on the layer 22 in a thickness of 10 nm to 500 nm in a vacuum. Furthermore, the layer 23 can also consist of one of the other ceramic materials guided on top, which have a higher refractive index than the layer 22.
• the layer thickness of the reflection layer 23 is preferably chosen to be smaller than 1 ⁇ m in order to avoid the occurrence of microcracks when the security element 2 is applied to the carrier body 3 as much as possible.
• the layer 23 has a thickness of 100 nm to 400 nm.
• 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 reflective layer 23, then as part of a Transfer layer of a transfer film, such as a hot stamping foil, are applied to these layers.
• FIG. 3 shows a further possible structure of the reflection layer 23 on the basis of a section through the reflection layer according to the line M-II indicated in FIG. 1.
• FIG. 3 shows the reflection layer 23 ', which is made up of a sequence of seven layers, four high-index layer 231 and four low-index layers 232. As shown in FIG. 3, high and low refractive index layers change in the layer structure, ie a high refractive index layer is followed by a low refractive index layer and a low refractive index layer is followed by a high refractive index layer.
• the layer 231 consists of ZnS and the layer 232 of MgF 2 .
• the layer 231 consists of TiO 2 and the layer 232 of SiO 2 . According to a further embodiment, the layer 231 consists of ZrO 2 and the layer 232 of SiO 2 . According to a further embodiment, the layer 231 TiO 2 and the layer 232 consists of MgF 2 . According to a further embodiment, the layer 231 consists of ZrO 2 and the layer 232 of MgF 2 . According to a further embodiment, the layer 231 consists of ZnS and the layer 232 of MgO. According to another
• layer 231 is TiO 2 and layer 232 is MgO. According to a further embodiment, the layer 231 consists of ZrO 2 and the layer 232 of MgO.
• the layers 231 and 232 are vapor-deposited over one another on the entire surface until the layer sequence shown in FIG. 3 is reached.
• the layer 23 'in this case has a layer thickness of preferably less than 1 micron, so that the thickness of the individual layers 231 and 232 is selected accordingly.
• a system of seven layers deposited on top of each other it is also possible provide a larger or smaller, preferably odd number of layers 231 and 232 in the reflective layer 23 '.
• the layer thickness of the individual layers 231 and 232 is preferably selected such that a large part of the incident light is reflected in the region of the visible light and the layers arranged below the reflection layer 23 remain largely hidden in this way.
• the effective optical thickness of the layers 231 and 232 can be such that for the visible light range, i. for the wavelength range of 390 to 770 nm, no triggering phenomenon generated by interference comes into play.
• the effective optical thickness of the layers 231 and 232 is thus preferably less than ⁇ / 2 for the wavelength range of visible light to choose.
• the effective optical density of the layers 231 and 232 is preferably to be selected smaller than ⁇ / 4 for the range of the visible light.
• FIG. 4 shows a further possible structure of the reflection layer 23 on the basis of a section through the reflection layer according to the line H-II indicated in FIG. 1.
• Fig. 4 shows the reflective layer 23 "consisting of two layers, an orientation layer 233 and a layer 234 of a liquid crystal material.
• the orientation layer 232 preferably consists of a
• the relief structure consists, for example, of a multiplicity of parallel grooves arranged side by side, which make it possible to orient liquid crystal molecules.
• the spatial frequency of the The relief structure here is preferably 300 to 3000 lines / mm and the profile depth of the grooves is preferably 200 to 600 nm.
• the orientation layer 233 it is also possible for the orientation layer 233 to be formed by an exposed photopolymer layer. In principle, all photopolymers whose orientation properties can be determined by irradiation with polarized light can be used for this purpose.
• LPP Linearily Photopolymerised Polymers
• EP 0 611 786 A, WO 96/10049 and EP 0 763 552 A are described for example in EP 0 611 786 A, WO 96/10049 and EP 0 763 552 A.
• the photopolymer layer is applied to the layer 22 by a wet chemical process, then dried and exposed to polarized UV light.
• orientation layer 233 it is also possible to dispense with the orientation layer 233 or to impress a corresponding surface structure in the layer 22 for orientation of the liquid crystal molecules or to process the layer 22 correspondingly mechanically prior to application of the liquid crystal layer 234, so that a surface structure is formed is suitable for the orientation of the liquid crystal molecules.
• the liquid crystal layer 234 is applied to the orientation layer 233, for example by means of a gravure printing process.
• the liquid crystal layer 234 here preferably consists of a radiation or otherwise curing liquid crystal material.
• the liquid crystal material for example, those described in US 5,389,698, US 5,602,661 A, EP 0 689 084 A, EP 0 689 065 A, WO 98/52077 or WO 00/29878 can be described
• Liquid crystal materials are used.
• "Merck RMM 129” or “OPALVA®” (Vantico base) is used as the liquid crystal.
• the liquid crystals are aligned when necessary with the supply of heat.
• UV curing takes place or thermally induced radical crosslinking of the liquid crystal material to fix the orientation of the liquid crystal molecules.
• the layer 234 of a solvent-containing liquid-crystal material to be subjected to a drying process and for the liquid-crystal molecules to orient themselves during the evaporation of the solvent in accordance with the structure introduced into the orientation layer 233.
• nematic liquid crystal material the use of cholesteric liquid crystal material is also possible, which is applied to the orientation layer in the same way as described above, oriented and then crosslinked. Furthermore, it is also possible to provide the layer 23 according to FIG. 2 or the multilayer system 23 'according to FIG. 3 above or below the layer 234.
• FIG. 5 shows a further possible structure of the reflection layer 23 on the basis of a section through the reflection layer according to the line M-II indicated in FIG.
• FIG. 5 shows the reflective layer 23 '"consisting of a dispersion of reflective pigments 235 in a dielectric binder 236.
• the layer 23 ''' preferably has a thickness of 1 ⁇ m to 10 ⁇ m, preferably platelet-shaped pigments having an average diameter of 5 ⁇ m to 30 ⁇ m, which consist of a plurality of successive dielectric layers, for example according to the multilayer system according to FIG Metallic pigments, preferably consisting of aluminum, can also be used as reflective pigments.
• the layer 23 ''' can be composed as follows:
• 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 reflective 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 into which a diffraction-optical structure 71, for example a hologram or Kinegram®, is embossed by means of a heated rotating embossing cylinder or by stroke embossing.
• a layer consisting of SiO x or ZnS in a thickness of 10 nm to 500 nm is vapor-deposited on the replication lacquer layer 65 as a reflection layer 66.
• the adhesion-promoting layer 67, the barrier layer 68, the magnetic layer 69 and the adhesive layer 70 are printed.
• 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:
• This consists of a dispersion nadeiförmigen ⁇ -Fe 2 ⁇ 3 -Magnetpigments in a polyurethane binder, various paint assistants and a
• the magnetic layer does not necessarily have this composition.
• the magnetic layer does not necessarily have this composition.
• other than the Fe 2 ⁇ 3 pigments other than the Fe 2 ⁇ 3 pigments
• Magnetic pigments such as Co-doped magnetic iron oxides or other finely dispersed magnetic materials (Sr, Ba-ferrites) used become.
• 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, as 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)
• Magnetic Record Carriers (AREA)
• Inspection Of Paper Currency And Valuable Securities (AREA)

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• 2006
  • 2006-05-16 DE DE102006023084.1A patent/DE102006023084B4/de not_active Expired - Fee Related
• 2007
  • 2007-05-15 AT AT07725216T patent/ATE474725T1/de active
  • 2007-05-15 CA CA2647975A patent/CA2647975C/fr not_active Expired - Fee Related
  • 2007-05-15 EP EP07725216A patent/EP2018276B1/fr not_active Revoked
  • 2007-05-15 DE DE502007004494T patent/DE502007004494D1/de active Active
  • 2007-05-15 CN CN2007800169319A patent/CN101443198B/zh active Active
  • 2007-05-15 TW TW096117190A patent/TWI410898B/zh not_active IP Right Cessation
  • 2007-05-15 AU AU2007251757A patent/AU2007251757B2/en not_active Ceased
  • 2007-05-15 US US12/226,848 patent/US20090218397A1/en not_active Abandoned
  • 2007-05-15 WO PCT/EP2007/004297 patent/WO2007131765A2/fr active Application Filing

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