JP6081379B2 - ペイメントカードシステムおよび方法 - Google Patents
ペイメントカードシステムおよび方法 Download PDFInfo
- Publication number
- JP6081379B2 JP6081379B2 JP2013556682A JP2013556682A JP6081379B2 JP 6081379 B2 JP6081379 B2 JP 6081379B2 JP 2013556682 A JP2013556682 A JP 2013556682A JP 2013556682 A JP2013556682 A JP 2013556682A JP 6081379 B2 JP6081379 B2 JP 6081379B2
- Authority
- JP
- Japan
- Prior art keywords
- card
- layer
- mixture
- particles
- payment card
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
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- WFKWXMTUELFFGS-UHFFFAOYSA-N tungsten Chemical compound [W] WFKWXMTUELFFGS-UHFFFAOYSA-N 0.000 claims description 21
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- ATUOYWHBWRKTHZ-UHFFFAOYSA-N Propane Chemical compound CCC ATUOYWHBWRKTHZ-UHFFFAOYSA-N 0.000 description 2
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- QVGXLLKOCUKJST-UHFFFAOYSA-N atomic oxygen Chemical compound [O] QVGXLLKOCUKJST-UHFFFAOYSA-N 0.000 description 2
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- NXHILIPIEUBEPD-UHFFFAOYSA-H tungsten hexafluoride Chemical compound F[W](F)(F)(F)(F)F NXHILIPIEUBEPD-UHFFFAOYSA-H 0.000 description 2
- SIXWIUJQBBANGK-UHFFFAOYSA-N 4-(4-fluorophenyl)-1h-pyrazol-5-amine Chemical compound N1N=CC(C=2C=CC(F)=CC=2)=C1N SIXWIUJQBBANGK-UHFFFAOYSA-N 0.000 description 1
- VNPRJHMMOKDEDZ-UHFFFAOYSA-L 6-methylheptyl 2-[dibutyl-[2-(6-methylheptoxy)-2-oxoethyl]sulfanylstannyl]sulfanylacetate Chemical compound CC(C)CCCCCOC(=O)CS[Sn](CCCC)(CCCC)SCC(=O)OCCCCCC(C)C VNPRJHMMOKDEDZ-UHFFFAOYSA-L 0.000 description 1
- 229910000906 Bronze Inorganic materials 0.000 description 1
- RYGMFSIKBFXOCR-UHFFFAOYSA-N Copper Chemical compound [Cu] RYGMFSIKBFXOCR-UHFFFAOYSA-N 0.000 description 1
- MQIUGAXCHLFZKX-UHFFFAOYSA-N Di-n-octyl phthalate Natural products CCCCCCCCOC(=O)C1=CC=CC=C1C(=O)OCCCCCCCC MQIUGAXCHLFZKX-UHFFFAOYSA-N 0.000 description 1
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- VEXZGXHMUGYJMC-UHFFFAOYSA-N Hydrochloric acid Chemical group Cl VEXZGXHMUGYJMC-UHFFFAOYSA-N 0.000 description 1
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- BLRPTPMANUNPDV-UHFFFAOYSA-N Silane Chemical compound [SiH4] BLRPTPMANUNPDV-UHFFFAOYSA-N 0.000 description 1
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- 238000013459 approach Methods 0.000 description 1
- BJQHLKABXJIVAM-UHFFFAOYSA-N bis(2-ethylhexyl) phthalate Chemical compound CCCCC(CC)COC(=O)C1=CC=CC=C1C(=O)OCC(CC)CCCC BJQHLKABXJIVAM-UHFFFAOYSA-N 0.000 description 1
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- 229910052757 nitrogen Inorganic materials 0.000 description 1
- QGLKJKCYBOYXKC-UHFFFAOYSA-N nonaoxidotritungsten Chemical compound O=[W]1(=O)O[W](=O)(=O)O[W](=O)(=O)O1 QGLKJKCYBOYXKC-UHFFFAOYSA-N 0.000 description 1
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- 229920001707 polybutylene terephthalate Polymers 0.000 description 1
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- KCTAWXVAICEBSD-UHFFFAOYSA-N prop-2-enoyloxy prop-2-eneperoxoate Chemical compound C=CC(=O)OOOC(=O)C=C KCTAWXVAICEBSD-UHFFFAOYSA-N 0.000 description 1
- 239000001294 propane Substances 0.000 description 1
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- 239000010409 thin film Substances 0.000 description 1
- UONOETXJSWQNOL-UHFFFAOYSA-N tungsten carbide Chemical compound [W+]#[C-] UONOETXJSWQNOL-UHFFFAOYSA-N 0.000 description 1
- 229910001930 tungsten oxide Inorganic materials 0.000 description 1
- 210000002268 wool Anatomy 0.000 description 1
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
- B42D25/40—Manufacture
- B42D25/45—Associating two or more layers
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
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- B—PERFORMING OPERATIONS; TRANSPORTING
- B05—SPRAYING OR ATOMISING IN GENERAL; APPLYING FLUENT MATERIALS TO SURFACES, IN GENERAL
- B05D—PROCESSES FOR APPLYING FLUENT MATERIALS TO SURFACES, IN GENERAL
- B05D5/00—Processes for applying liquids or other fluent materials to surfaces to obtain special surface effects, finishes or structures
- B05D5/06—Processes for applying liquids or other fluent materials to surfaces to obtain special surface effects, finishes or structures to obtain multicolour or other optical effects
- B05D5/067—Metallic effect
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- G06K19/02—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
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- G06K19/022—Processes or apparatus therefor
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- G06K19/02—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
- G06K19/025—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine the material being flexible or adapted for folding, e.g. paper or paper-like materials used in luggage labels, identification tags, forms or identification documents carrying RFIDs
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- G—PHYSICS
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- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
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- G06K19/02—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
- G06K19/027—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine the material being suitable for use as a textile, e.g. woven-based RFID-like labels designed for attachment to laundry items
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- G—PHYSICS
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- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/06187—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with magnetically detectable marking
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- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
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- G—PHYSICS
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- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/0772—Physical layout of the record carrier
- G06K19/07722—Physical layout of the record carrier the record carrier being multilayered, e.g. laminated sheets
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- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/0772—Physical layout of the record carrier
- G06K19/07728—Physical layout of the record carrier the record carrier comprising means for protection against impact or bending, e.g. protective shells or stress-absorbing layers around the integrated circuit
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- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0806—Details of the card
-
- B—PERFORMING OPERATIONS; TRANSPORTING
- B05—SPRAYING OR ATOMISING IN GENERAL; APPLYING FLUENT MATERIALS TO SURFACES, IN GENERAL
- B05D—PROCESSES FOR APPLYING FLUENT MATERIALS TO SURFACES, IN GENERAL
- B05D2506/00—Halogenated polymers
- B05D2506/20—Chlorinated polymers
- B05D2506/25—PVC
-
- B—PERFORMING OPERATIONS; TRANSPORTING
- B05—SPRAYING OR ATOMISING IN GENERAL; APPLYING FLUENT MATERIALS TO SURFACES, IN GENERAL
- B05D—PROCESSES FOR APPLYING FLUENT MATERIALS TO SURFACES, IN GENERAL
- B05D2601/00—Inorganic fillers
- B05D2601/02—Inorganic fillers used for pigmentation effect, e.g. metallic effect
- B05D2601/10—Other metals
-
- 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
-
- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y10—TECHNICAL SUBJECTS COVERED BY FORMER USPC
- Y10T—TECHNICAL SUBJECTS COVERED BY FORMER US CLASSIFICATION
- Y10T29/00—Metal working
- Y10T29/49—Method of mechanical manufacture
- Y10T29/49826—Assembling or joining
- Y10T29/49885—Assembling or joining with coating before or during assembling
Landscapes
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Hardware Design (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Manufacturing & Machinery (AREA)
- Textile Engineering (AREA)
- Credit Cards Or The Like (AREA)
- Laminated Bodies (AREA)
Description
本願は、2011年3月4日に出願され「ペイメントカードシステムおよび方法(PAYMENT CARD SYSTEM AND METHOD)」と題された米国仮出願第61/449,473号の優先権を主張し、すべての目的においてその全体が本明細書に引用により援用される。
カード発行業者の上層の顧客に好まれるよう外観および手触りが改良されたペイメントカードに対する需要がある。発行業者の一部が実践している1つの取組として、金属カードの製造が挙げられる。しかしながら、金属カードを使用すると、使用中の静電気放電(ESD)の問題が生じる可能性がある。ESDは、電位が異なる2つのものの間に突然一瞬流れる電流に関係があり、直接の接触によって生じるかまたは静電界によって誘起される。ペイメントカードがアクセス装置(たとえば売場専用端末)と対話して取引を行なうときに、ESDが一時的な中断または端末に対する永久的なダメージを引起し得ることは、周知である。金属カードは、その電気的特性が原因で、支払取引を妨害するかまたは売場専用端末にダメージを与える可能性があるESD事象を生じさせる傾向がある。
本発明の実施の形態は、ペイメントカードおよびペイメントカードの製造方法に関する。
本発明の実施の形態は、金属の外観および手触りを備え既存の金属のペイメントカードの静電気放電の問題を伴わないペイメントカードおよびペイメントカードの製造方法に向けられている。
(1)アクセス装置と接触する磁気ストライプまたはその他の導電要素のキャパシタンスは、約2.0ピコファラド(上記第1のテスト手順によって得られた測定値)未満のインダクタンスを有することができる。
(2)ペイメントカード上に設けられた非接触素子のキャパシタンスは、約5.0ピコファラド(上記第1のテスト手順によって得られた測定値)未満のインダクタンスを有することができる。
(3)ペイメントカードの通常動作後の放電電流は、約250ミリアンペア(上記第2のテスト手順によって得られた測定値)未満であることができる。
(4)ペイメントカードが約10キロボルトに帯電させられたときの放電電流は、約250ミリアンペア(上記第2のテスト手順によって得られた測定値)未満であることができる。
(5)ペイメントカードが約10キロボルトに帯電させられたときの放電エネルギは、約15ナノジュール(上記第2のテスト手順によって得られた測定値)未満であることができる。
(6)ペイメントカードが約10キロボルトに帯電させられたときの、アクセス装置と接触する磁気ストライプまたはその他の導電要素の放電エネルギは、約500ナノジュール(上記第2のテスト手順によって得られた測定値)未満であることができる。
(7)ピーク電流放電(Ip)が約20キロボルトのときの磁気ストライプの動的抵抗は、約5.0キロオーム(上記第3のテスト手順によって得られた測定値)よりも大きい動的抵抗であることができる。
(8)ペイメントカードをさまざまな種類の衣服素材に当てて擦った後の放電電流は、約250ミリアンペア(上記第4のテスト手順によって得られた測定値)未満であることができる。
C.W. Brabender(登録商標)の混合ツールの中で、以下の成分を155℃で10分間混ぜ合わせた。(a)20グラムのPVC粉末(グレードOV155、Oxyvinyls製造)。(b)0.2グラムの熱安定剤(Mark 292、Gallade Chemical製造)。(c)1グラムのフタル酸ジオクチル可塑剤。(d)200グラムのタングステン粉末(Technon(商標)、Tungsten Heavy Powders製造)。タングステン粒子の、おおよその直径は40ミクロン以上、おおよその粒度分布は100〜400メッシュであった。
Claims (22)
- ポリマーを含む第1層と、
前記第1層に隣接する第2層と、
前記第2層の前記第1層とは反対側に隣接し、ポリマーを含む第3層とを備え、
前記第2層は金属を含む複数の粒子とポリマーとを含む複合体を備え、
前記複数の粒子はさらに、前記第2層の15体積%以上50体積%未満を構成し、
前記複合体は、前記金属よりも静電気帯電の影響を受けにくくなっており、
金属の外観および手触りを備える、カード。 - 前記複数の粒子は外側被膜をさらに含む、請求項1に記載のカード。
- 前記金属はタングステンを含む、請求項1に記載のカード。
- 前記第2層の前記ポリマーはポリ塩化ビニルを含む、請求項1に記載のカード。
- 前記カードは、長さが86ミリメートル、幅が54ミリメートル、厚さが0.7〜0.9ミリメートルである、請求項1に記載のカード。
- 前記カードは、磁気ストライプおよび非接触素子をさらに備える、請求項1に記載のカード。
- 前記カードは、前記カードが10キロボルトに帯電させられアクセス装置と対話しているときに1000ミリアンペア未満のピーク電流放電を示すように構成される、請求項6に記載のカード。
- 前記カードがアクセス装置と対話するとき、
前記カードは、前記カードが10キロボルトに帯電させられた場合15ナノジュール未満の放電エネルギを示すように構成され、
前記磁気ストライプは、ピーク電流放電10キロボルトの場合1キロオームよりも大きい動的抵抗を示し、2ピコファラド未満のキャパシタンスを示し、前記磁気ストライプが10キロボルトに帯電させられた場合500ナノジュール未満の放電エネルギを示すように構成され、
前記非接触素子は、5ピコファラド未満のキャパシタンスを示すように構成される、請求項7に記載のカード。 - 前記カードは、厚さが0.7〜0.9ミリメートルであり、
前記第1層および前記第3層は、50.8〜127マイクロメートルである、請求項1に記載のカード。 - 前記複数の粒子は、40マイクロメートル以上の直径を有する、請求項1に記載のカード。
- 前記複数の粒子は、金属粒子の外表面に誘電材料を含む外側被膜を有するものである、請求項1に記載のカード。
- カードの製造方法であって、
混合物を調製するステップを含み、
前記混合物は金属を含む複数の粒子とポリマーとを含み、前記複数の粒子はさらに、前記混合物の少なくとも15体積%を構成し、
前記混合物をプレスするステップと、
外層を前記混合物の表面に与えるステップと、
前記混合物と前記与えられた外層を切断してカードを形成するステップとを含む、方法。 - 前記混合物は可塑剤と熱安定剤とをさらに含む、請求項12に記載の方法。
- 前記混合物を調製するステップの前に、外側被膜を前記複数の粒子に与えるステップをさらに含む、請求項12に記載の方法。
- 前記金属はタングステンを含む、請求項12に記載の方法。
- 前記ポリマーはポリ塩化ビニルを含む、請求項12に記載の方法。
- 前記外層はポリマーを含む、請求項12に記載の方法。
- 前記混合物は120〜200℃のプロセス温度で調製される、請求項12に記載の方法。
- 前記混合物は5〜20トン/平方フィートの圧力でプレスされる、請求項12に記載の方法。
- 前記外層は顔料をさらに含む、請求項17に記載の方法。
- 前記外層は磁気ストライプをさらに含む、請求項17に記載の方法。
- 非接触素子を前記カードに追加するステップをさらに含む、請求項12に記載の方法。
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US201161449473P | 2011-03-04 | 2011-03-04 | |
US61/449,473 | 2011-03-04 | ||
PCT/US2012/027771 WO2012122124A2 (en) | 2011-03-04 | 2012-03-05 | Payment card system and method |
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US20150248601A1 (en) | 2015-09-03 |
BR112013022559A2 (pt) | 2018-03-13 |
JP2014511293A (ja) | 2014-05-15 |
US20180072089A1 (en) | 2018-03-15 |
US20140312122A1 (en) | 2014-10-23 |
EP2681695A4 (en) | 2014-07-09 |
AU2012225663B2 (en) | 2017-03-02 |
CA2829070C (en) | 2020-06-09 |
US20120223146A1 (en) | 2012-09-06 |
WO2012122124A3 (en) | 2013-01-03 |
WO2012122124A2 (en) | 2012-09-13 |
KR102007000B1 (ko) | 2019-08-02 |
US8807437B2 (en) | 2014-08-19 |
AU2012225663A1 (en) | 2013-10-10 |
RU2013144574A (ru) | 2015-04-10 |
US10150328B2 (en) | 2018-12-11 |
RU2621007C2 (ru) | 2017-05-30 |
US9058548B2 (en) | 2015-06-16 |
CA2829070A1 (en) | 2012-09-13 |
CN103518212B (zh) | 2016-12-14 |
US9858517B2 (en) | 2018-01-02 |
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Free format text: JAPANESE INTERMEDIATE CODE: R250 |
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R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |
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R250 | Receipt of annual fees |
Free format text: JAPANESE INTERMEDIATE CODE: R250 |