RU2779565C1 - Body of a contact-free payment apparatus in the form of a ring - Google Patents

Abstract

FIELD: payment architectures.

SUBSTANCE: invention relates to means of contact-free payment, namely, to payment rings. Body of the ring is solid and includes a rectangular recess on the inside with a height of 2.0 to 5.2 mm and a depth of 1.2 to 1.5 mm, intended to accommodate a payment module.

EFFECT: use of the invention allows for an increase in protection of the contact-free payment module from various external influences.

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Description

The invention relates to means for making contactless payments, namely to payment rings.

Contactless smart cards contain a payment module that includes a connected antenna and a microchip. These cards allow the bank account holder to make transactions by exchanging information between a contactless payment device and a reader over an RF channel. Currently, contactless smart cards made in the form of rings are gaining popularity.

Known housing contactless payment device in the form of a ring (CN 203930905 U, 11/05/2014), made with the possibility of placing the payment module in the recess on the outside. The housing consists of several parts: the main one with the mentioned recess, the shielding layer and the protective one. The disadvantage of this solution lies in the complex design: several elements of the case are used, in addition, the outer side is most often subject to mechanical stress, including shock loads, which can lead to detachment of parts of the case and damage to the payment module.

As a prototype, the body of a contactless payment device in the form of a ring (WO 2018020055 A1, 02/01/2018) was selected, made with the possibility of installing a payment module on the inside, designed to fit to the finger. The antenna of the module is placed on said side by electroplating using a laser and, if necessary, part of the material of the inner side of the ring is removed. The body of the prototype is simple in design, the payment module on the inside is better protected, but still susceptible to external influences.

The objective of the invention is to create a payment device housing with the smallest number of constituent elements, a simplified design, and increased operational and production reliability.

The technical result consists in the possibility of providing increased protection of the payment module from mechanical external influences from the outer, not adjacent to the finger, side of the ring.

The specified result is achieved by the case of a contactless payment device in the form of a ring, in which on the inner side, intended to fit to the finger, a rectangular recess is made along the circumference of the inner side with a height of 2.0 to 5.2 mm and a depth of 1.2 to 1 .5 mm, designed to accommodate the payment module.

The housing may contain a hole for mounting the LED.

The housing is made with the possibility of sealing the recess.

The body is made with a height of 4.0 to 8.1 mm and a thickness of 2.0 to 2.8 mm.

The presence of a recess of the parameters mentioned above on the inside of the case will allow placing a payment module in it, including, at a minimum, a microchip on a conductive pad and a loop antenna. The payment module will be protected from mechanical external influences better than when simply applying the module elements to the inner surface, since the one-piece case with a recess has thicker walls at the ends, which will provide greater resistance. Such a housing will take on shocks, as well as reduce vibration loads, and the installation of a sealing insert on the recess will protect against dust and moisture.

The invention is illustrated with the help of FIG. 1-3.

In FIG. 1 schematically shows the contactless payment module.

In FIG. 2 shows a housing with a notch.

In FIG. 3 shows a housing with a notch in section.

The contactless payment module includes at least a microchip 1 that supports NFC technology and is placed on a conductive pad 2 and a loop antenna 3, the contacts of which are connected to the contacts of the microchip 1. The module must be installed on the inner side of the housing 4 adjacent to the finger.

The body 4 is provided on the inner surface with a recess 5 with a height Η of 2.0 to 5.2 mm and a depth D of 1.2 to 1.5 mm, which may be, for example, rectangular. The notch 5 is a groove or recess made in the center along the entire circumference of the inner side of the ring (Fig. 1, 3). The recess 5 is designed to accommodate the microchip 1 on the site 2 and the antenna 3, made with a length L from 31 to 47 cm.

The body 4 is made with a height W from 4.0 to 8.1 mm, a thickness T from 2.0 mm to 2.8 mm and a size S in the range from 15 to 25 (Fig. 3).

Optionally, a hole can be made on the case for installing LED 6 to indicate that the payment module has entered the reader's coverage area.

The body 4 of the ring can be made of ceramic, plastic or composite material with the possibility of sealing the recess 5 with a coating of ceramic, plastic, two-component epoxy pigmented compositions or composites based on a ceramic matrix.

The contactless payment ring works as follows.

Based on the available input data, a ring body is made with a size S in the range from 15 to 25 with a recess H from 2.0 to 5.2 mm high and D from 1.2 to 1.5 mm deep for the selected microchip on a conductive pad. An antenna with a length L from 310 to 470 mm is selected, which is placed in a certain number of turns to provide a resonant circuit and connected to the contacts of the microchip. The contactless payment module thus formed (FIG. 1) is placed in the housing recess (FIGS. 2-3).

The resonant circuit of the payment module ensures the transmission of coded information between the contactless payment device and the reader (reader) via a radio frequency channel while in the coverage area.

The implementation of the housing integral with a recess allows you to protect the module from external mechanical influences and other environmental influences. Also, the use of a special capsule to seal the inner side of the ring makes it possible to achieve water resistance of the product, which makes it possible to perform water procedures without losing the functionality of the payment module.

Testing of several rings made with the proposed housing confirmed the increased security of the module.

Thus, the proposed invention achieves the required technical result, which consists in the possibility of providing increased protection of the contactless payment module from various external influences.

Claims (4)

1. The case of a contactless payment device in the form of a ring, characterized by the fact that it is solid and on the inner side, designed to fit to the finger, a rectangular recess is made along the circumference of the inner side with a height of 2.0 to 5.2 mm and a depth of 1 .2 to 1.5 mm, designed to accommodate the payment module. 2. Housing according to claim 1, characterized in that it contains a hole for installing the LED. 3. Housing according to claim. 1, characterized in that it is made with the possibility of sealing the recess. 4. The case according to claim 1, characterized in that it is made in height from 4.0 to 8.1 mm and in thickness from 2.0 to 2.8 mm.

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