FR2811110A1 - Multifunction self-contained smart card that may be accommodated-secured in mobile telephone body has connection pads and logo of bank on one side and magnetic tape on opposite side as in traditional banking card - Google Patents

Abstract

A keyboard (2) permits to write down alphanumeric characters in order to assure a user interface and a display 1 is used for displaying the input from the keyboard and corresponding messages. As for function of a banking card, connection pads (3) are provided and a logo of the bank (4). On the opposite face a magnetic tape is provided so as to provide compatible interfaces with arrangements of the traditional banking card. The card may be accommodated in a mobile telephone body, with access to its keyboard in an open position that may be locked. In the closed position the card is protected and lock holds it in closed position.

Description

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  The present invention relates to an active multi-function card (housed in a mobile telephone box), the volume of which in the size of the bank card5 fulfills the following three functions: of mobile phone control (keyboard + SIM subscriber identification module) to ensure the user / machine interface for all

  functionalities of the mobile phone and to guarantee secure financial transactions by its link to the bank chip. 15 -c) Access card and loyalty card by its configurable side.

  Other features are integrated into this

  card associated with its housing (calculator, Internet access, etc.) as is the case on current mobile phones.

  These functions are traditionally fulfilled by more than four separate objects, which poses the problem of having all these objects with you, with the risk of losing them, in particular for access cards (parking card, office card, land entry card tennis ...), for loyalty cards (service station cards, superstore cards, Vitale card ...). Consequently, this invention allows

  work, make purchases, benefit from reduction rates, subscriptions and have privileged access with the help of a single and multifunctional object.

  When this card is used as a card

  bank, it is then handled individually (without the box) in the usual way like any bank card using its appropriate interfaces.

  This card has a touch keyboard whose configuration is perfectly compatible with the

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  cell phone control function when it is inserted in the housing. This card can be configured or used as an access or loyalty card from the keyboard and from a chip housed on the face opposite the keyboard on which an interconnection spreader is installed so as to guarantee secure independence between the 2 networks (bank card and access card or loyalty card) .10 This active multifunction card contains the

  electronic chips, memories, printed circuits, interfaces, supports, protections as well as an internal Li-ion battery making this invention15 an active component appearing flat in the template of a bank card.

  The technology of this active multifunction card is derived from that of multi-chip modules, the undeniable advantages of which are: reduction in size (card packaging) - weight reduction - increased interconnection density - less clean heat dissipation - improved reliability L general architecture of the multifunction card is as follows: -a) substrates -b) dielectrics -c) conductors -d) assembly / wiring -e) encapsulation To protect this card, ensure an autonomy of a few hours in operation and to make it easy to handle and ergonomic, it is integrated in a mobile phone box whose body is made of a rigid polymer.40 This box also contains the main battery, all electrical accessories and additional electronics for processing HF signals at reception and transmission as well as connection to the telephone antenna and

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  the interfaces vis-à-vis the outside (battery charge, external headset connection, computer connection) which enable the cell phone function to be fulfilled.5 The appended drawings illustrate the invention: FIG. 1 represents the multifunction card on the keyboard side only. FIG. 2 represents the multifunction card seen on the rear face opposite to the keyboard. FIG. 3 represents the primary substrate (anodized aluminum casing) of the card. FIG. 4 represents the secondary substrate equipped (printed circuit) of the card seen from the keyboard side. -Figure 5 represents the assembly and the interconnection of the main chip of the circuit -Figure 6 represents the assembly and the interconnection of the bank chip of the circuit -Figure 7 represents the polymer sheet for encapsulation of the card seen from the outside -Figure 8 represents the polymer encapsulation sheet of the card seen from the inside -Figure 9 represents the card during its installation in the mobile phone box - Figure 10 represents the profile of one of the 2 slides intended to guide the card in the mobile phone box - Figure 11 represents the mounting of one of the 4 pads intended to press the card on its face connections in its cell phone case. -Figure 12 represents the locking mechanism of the card in its mobile phone box during insertion according to the section AA indicated in fig 17 -Figure 13 represents the locking mechanism of the card in its mobile phone box in position locked according to 40 the section AA indicated in fig 17 - Figure 14 represents the mechanism for locking the card in its mobile phone case in phase 1 of unlocking according to the section AA indicated in fig 17

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  FIG. 15 represents the mechanism for locking the card in its mobile telephone box in phase 2 of unlocking according to the section AA indicated in FIG. 17. FIG. 16 represents the section of the mobile telephone box in line with an electrical contact. of interconnection between the card and the box -Figure 17 represents the multifunction card integrated in the cellphone box -Figure 18 represents the cellphone box being closed - Figure 19 represents the cellphone box seen from the outside in the closed position With reference to these drawings, the card, the section of which is that of a bank card (thickness = 0.9mm, L = 85.5mm, W = 54mm) carries the elements

shown in Figure 1.

  The display (1) makes it possible to display alphanumeric characters in the case where the card is used individually. When the latter25 is installed in its housing, it is the screen (40) according to fig17 which functions and which, taking into account its size and its definition,

  be able to access the Internet in particular.

  The keyboard (2) is used to enter alphanumeric characters in order to provide the user / system interface according to the functions used. In the case of the bank card, the interconnection expander (3) is used35 as today as well as the sight of the bank (4). On the opposite side (see fig 2) there is the classic magnetic strip (5) in order to maintain interfaces compatible with the provisions

  of the traditional bank card.

  On this same face, an interconnection spreader (6) makes it possible to configure (program) and use the card, as a loyalty card and access card. The electrical connection interfaces of the card

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  multifunction to mobile phone box

  consist of connection points (7) soldered on the internal printed circuit.

  The card integrates the electronic diagram, the components and the software intended to ensure the described functionalities. The technology of this card is based on the

  following detailed description. The primary substrate (see fig 3) which is a

  aluminum housing (8) whose sheet metal thickness is 200 gm, has undergone anodic oxidation in order to make it insulating. 15 This has a peripheral return of 800 gm in total height which will allow the body of the card giving it sufficient rigidity. The secondary substrate (see fig 4, rep 9) is an organic material (epoxy) according to the technique of multilayer printed circuits, the thickness of which is around 600 Wm and the conductors of which are made of tinned copper on the surface. The electronic chips (rep 10 and 11 of fig 4 and fig 6) are mounted on a flexible film (12) (kapton) according to the TAB technique (Tape Automated Bonding) cut to the format of use. This film serves as a spreader allowing the interconnections by soldering with the secondary substrate (9) .30 The body of the chips (10 and 11) which pass through the secondary substrate (9) is bonded (epoxy adhesive based on alumina ) on the primary substrate (8) which acts as a heat sink. This design makes it possible to mask the thickness of the chips by the thickness of the printed circuit and thus avoid an excess thickness of the order of 500 μm according to fig 5 and fig 6. The chip (10) fulfills the SIM chip function. The chip 40 (43) is installed like the chip (11) but this is finally bonded to the polymer film

  encapsulation (15) shown in fig 7.

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  The Li-Ion battery (13) is housed on the side, according to fig 4 in an opening made in the printed circuit. The keyboard function consists of a tinned copper network (14) on the printed circuit which for each key is short-circuited by the polymer encapsulation film (15) whose thickness is 100 gm according to fig 7 which includes conductive pads based on carbon to the right of each key according to rep 16 fig 8. All the elements of the card are joined by bonding. The flexible polymer encapsulation film (15) according to FIG. 7 comprises the cutouts made for the passage of the display and of the spreader of the bank chip. All the inscriptions relating to the functions of the control keypad of the mobile telephone, of the bank card and of the programmable card are serigraphed on the external surface of the encapsulation film (15). The conductive pads (16) based on carbon at the right of the keys of the keyboard comprising a convex thermoforming (see detail fig 8) are the subject of a glue saving

during the final encapsulation.

  The active multifunction card can be inserted in a mobile phone box (see fig 9) The box (17) is provided with 2 slides (18) whose profile is a coated U according to fig 10. Un30 chamfer at 45 (19) according to fig 10 and fig 12 ensures rapid prepositioning thereof with respect to its final position in the slides during insertion. The displacement of the card in the box raises the 2 pads in 35 PTFE (teflon) (20) mounted according to fig ll in each slide (one at each end). The spring leaf (21) ensures the force of plating the shoe on the card (42) and the card on the bottom of the housing (17) making it possible to ensure by electrical contact40 the electrical interconnection of this card (42) on the studs (36) of the housing (17) according to fig 9 and its vertical immobilization. The chamfer (22) promotes the retraction of the pad during the insertion of the card (42). The translational movement of the card (42) pushes the pin (23) along

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  fig 12 under the effect of the force F (ins) exerted by the index finger (31) of the hand of the user according to fig 12, when the latter comes into contact. The pin (23) then pushes the spring (24) which, itself, taking into account its high stiffness, directly drives the piece of square section (25) according to fig 15 to fill the clearance J. This piece (25) drives then the tie rod (26), located in the section plane BB of fig 17, by the axis (27) of the pivot connection between (25) and (26). This tie rod (26) being mechanically connected to the other end by the axis (35) of the pivot link between (26) and

  (28), allows to tilt the anti-stop

  return (28) about its axis (29) in order to lock the card (42). The force, exerted manually by the index finger (31) of the user during the insertion of the card, is applied in the central axis of the latter, and thus makes it possible to avoid any interference between the thumb ( 31) de20 the user and the stop (28) when it is closed according to fig 17. The spring (24) makes it possible to absorb the kinematic differences between the translation of the card and the rotation of the stop (28). The spring (30) fixed at the upper end to the stop (28) and at the lower end to the housing (17) makes it possible to maintain the stop in the lying position when the latter applies the torque Ml to

  the stop (28) movable around the axis (29).

  The active multifunction card (42) locked

  in the housing (17) leads to the position of the locking mechanism according to fig 13.

  The spring (30) then exerts a torque M2 opposite to Ml previously seen on the stop (28) around the axis (29) which makes it possible to maintain the locked position of the card in its housing (17). When extracting the card from its housing, it is necessary to apply a force F (ext) using the index (31) on the button (32) according to fig 14.40 The elastic segment (33) constitutes the support element of the button (32) when that is returned to its rest position by the spring (34) in the absence of force F (ext). According to fig 14 the part (25) is pushed by the button (32) which in turn pushes the tie rod (26)

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  by the axis (27). The tie rod (26) being itself mechanically connected to the axis (35) then makes it possible to tilt the non-return stop (28) around its axis (29) .5 The spring (30) then exerts a torque Ml around the axis (29) which maintains the stop (28) in the supine position and releases the card. This is then expelled outside the housing by the spring (24) compressed throughout the kinematic phase10 of opening the stop (28) shown in fig 15. The card (42) can then be removed from the housing taking it between the thumb and

  the index finger after removing the index finger from the button (32).

  This last step brings us back to the position of the locking mechanism according to fig 12. The box (17) integrates the studs (36) according to fig 9, in nickel-plated copper, intended to electrically connect the box (17) on the pads (7) of the card according to fig 2 during insertion according to fig 9. The stud (36) according to fig 16, when it comes into contact with a connection pad (7) of the card (42), disappears in the imprint of the housing (17) along dotted lines in fig 16 by bending of the blade (37) which then exerts a restoring torque. This return torque guarantees pressure

  contact on the connection pads (7) of the card (42) and thus ensures electrical continuity to the housing (17).

  The "mobile phone" function is accessible by the keyboard (2) of the card (42), the speaker slots (37) and the earpiece (38) are visible in Figure 17. We can see in Figure 17 , when the card

  (42) is installed in the housing (17), the telephone antenna (39), and the main display (40).

  This housing (17) is linked to a movable flap (41) also made of rigid polymer which fulfills 3 functions according to fig 17 and 18:

  - ensure the protection of the card (42) when it is installed in the closed housing (17).

  -provide the speaker support function (37) -integrate the main display (40) The housing (17) in the closed position by the movable flap (41) is shown in fig 19 with the

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  localization of the button (32) for extracting the

map (42).

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Claims (8)

  1) Active multifunction card whose geometry in the shape of a bank card fulfills the following three functions: -a) Bank card for payment or withdrawal of money by ATMs -b) Mobile phone order card (keyboard + SIM Subscriber Integrated Module Identification) to ensure the user / machine interface for all   functionalities of the telephone and to guarantee financial transactions in complete safety by its link to the bank chip.15 -c) Access card or loyalty card by its configurable side and by its appropriate interface.   2) Device according to claim 1 characterized in that the technology of the card whose thickness making 0.9mm is obtained by the combination of: -a) a primary substrate (anodized aluminum housing) (8) whose thickness the sheet is 200 pm and the total height of the housing is 80025 gm -b) a secondary substrate (multilayer epoxy printed circuit) (9) whose direct thickness on the stack is around 600 pm -c) a mounting chips on flexible kapton film (12) serving as an interconnection expander between the printed circuit and the chip. The body of the chips crosses the thickness of the printed circuit to be bonded to the primary substrate (epoxy adhesive loaded with alumina) which acts as a heat sink for the main chips (fig 5 and 6). This design makes it possible to mask the thickness of the components by the thickness of the printed circuit and thus avoid an over-thickness of the order of 500 pnm. 40 -d) an encapsulation consisting of a flexible polymer film, the thickness of which is 100 μm, comprising on the external face a screen printing adapted to the functions fulfilled by the card. On the internal face, the zones to the right of the keyboard keys -Il- 2811110 whose concavity is obtained by thermoforming,   contains a carbon-based chip allowing the circuit board tracks to be short-circuited when pressed externally to act as a keyboard.   3) Device according to claim 1 characterized in that the architecture of the active multifunction card integrates on: -a) front face: -The display (1) which makes it possible to display alphanumeric characters in the case where the card is used individually. 15 - The keyboard (2) which allows alphanumeric characters to be entered in order to provide the user / system interface depending on the functions used. -The interconnection expander (3) for ATM readers or local readers in shops in the case of   the use of a bank card, which is used as it is today, as well as the bank's sights (4).   -b) On the opposite side: -The classic magnetic strip (5) in order to maintain interfaces compatible with the provisions of the traditional bank card. 30 -An interconnection spreader (6) which makes it possible to configure (program) and d '' use the card as a loyalty card and access card with appropriate readers. -The electrical connection interfaces of the multifunction card to the box which consist of soldered connection points (7) on the internal printed circuit.   4) Device according to claim 1 characterized in that the cell phone control function is supplemented by the housing   portable telephone (17), integrating all the electrical and electronic accessories complementary to the portable telephone function. -12- 2811110   This housing (17) makes it possible to maintain, protect,   interconnect and supply the active multifunction card (42).   5) Device according to claim 4 characterized in that access to the various functions fulfilled by the card (42) installed in the housing (17) requires handling and   carry only one multifunctional object.   6) Device according to claim 4, characterized in that the establishment of the multifunction card in the housing (17) takes place -by 2 slides (18) whose profile is a U layer.   - by the 4 PTFE pads (20) raised during the insertion of the card facilitated by the chamfer (22) - by the spring leaf (21) which ensures the force of pressing the pad (20) on the card (42) and of the card on the bottom of the case (17) making it possible to ensure by electrical interconnection between the studs (36) of the case (17) and the connection points (7) of the card (42) according to fig 9.25 7) Device according to claim 4, characterized in that the housing (17) incorporates a locking and unlocking mechanism of   the active multifunction card (42) whose operation and components are described below.   The translational movement of the card (42) makes it possible to push the pin (23) according to fig 12 under the effect of the force F (ins) exerted by the index finger (31) 35 of the hand of the user according to fig 12, when it comes into contact. The pin (23) then pushes the spring (24) which, itself, taking into account its high stiffness, directly drives the piece of square section (25) according to fig 15 to fill the game J. This piece (25) drives then the tie rod (26), located in the section plane BB of fig 17, by the axis (27) of the pivot connection between (25) and (26). This tie rod (26) being mechanically connected to the other end by the axis (35) of the pivot link between (26) and (28), makes it possible to 13 2811110   tilt the non-return stop (28) around its axis (29) in order to lock the card (42). The force, exerted manually by the index finger (31) of the user during the insertion of the card, is applied in the central axis of the latter, and thus makes it possible to avoid any interference between the thumb ( 31) of the user and the stop (28) when it is closed according to fig 17. The spring (24) makes it possible to absorb the kinematic differences between the translation of the card and the rotation of the stop (28). The spring (30) fixed at the upper end to the stop (28) and at the lower end to the housing (17) makes it possible to keep the stop in the lying position when   this applies the torque Ml to the stop (28) movable around the axis (29).   The active multifunction card (42) locked in the housing (17) leads to the position of the locking mechanism according to fig 13.20 The spring (30) then exerts a torque M2 opposite to Ml previously seen on the stop (28) around the axis (29) which makes it possible to maintain the locked position of the card in its housing (17). When extracting the card from its casing, it is necessary to apply a force F (ext) using the index (31) on the button (32) according to fig 14.   The elastic segment (33) constitutes the support element of the button (32) when that is brought back   in its rest position by the spring (34) in the absence of force F (ext).   According to fig 14 the part (25) is pushed by the button (32) which in turn pushes the tie rod (26) by the axis (27). The tie rod (26) being itself 35 mechanically connected to the axis (35) then makes it possible to tilt the non-return stop (28) around its axis (29). The spring (30) then exerts a torque Ml around the axis (29) which maintains the stop (28) in the supine position and releases the card. This is then expelled outside the housing by the spring (24) compressed throughout the kinematic phase of opening the stop (28) shown in fig 15. The card (42) can then be removed from the housing taking it between the thumb and - 14- 2811110   the index finger after removing the index finger from the button (32).   This last step brings us back to the position of the locking mechanism according to fig 12.   8) Device according to claim 4, characterized in that the housing (17) of the mobile telephone is linked to a mobile flap (41) of rigid polymer which fulfills 3 functions according to fig 17 and 18: -provide protection of the card ( 42) when it is installed in the mobile phone in the closed position. -provide the speaker support function (37) -integrate the main display (40)