SK288572B6 - Temporary carrier of a removable memory card, method for production and processing of a removable memory card. - Google Patents

Abstract

The temporary removable memory card carrier (2) is in the form of a standardized flat card (1), wherein the removable memory card (2) forms a release element from the body of the standardized flat card (1). The removable memory card (2) has at least five additional temporary contacts (4) before releasing a removable memory card (2) from the body of the standardized flat card (1). The additional contacts (4) occupy a smaller area than the contact area (5) of the standardized flat card (1), but the spacing of the additional contacts (4) corresponds to the contact contact strip (5). The removable memory card (2) is positioned in the standardized flat card (1) so that the position of the additional contacts (4) corresponds to the position of the contact field (5) of the standardized flat card (1) and the additional contacts (4) of the memory card (2). A preferred sixth additional switching contact (8) can be used to switch between secure elements. The temporary carrier is inserted into a standard burner that is physically associated with it as with a conventional contact field card (5).

Description

Technical field

The solution relates to a temporary carrier of removable memory cards, in particular small memory cards, such as microSDs. The temporary carrier ensures the unification of the contact field, which is used for the initial loading of software and data into a removable memory card. This will serve as an electronic means of payment. The invention also describes a new method of processing and personalizing a removable memory card.

BACKGROUND OF THE INVENTION

Payment cards with a chip usually have a credit card size according to ISO / IEC 7810 of 85.60 mm x x 53.98 mm x 0.76 mm. This dimension has become the standard used for other types of plastic cards. The devices and dedicated devices for processing, burning and personalizing flat cards are developed and manufactured just for plastic cards with the stated dimensions. Initial processing, credit card personalization uses dedicated machinery that manages the automatic handling of clean blank credit cards and meets strict security criteria so that banks and card issuers can benefit from the services of these high-production devices.

According to other solutions and inventions of Applicant Logomotion p. r. about. new means of payment will be introduced in the form of removable memory cards which, when inserted into the mobile accessory slot, will provide users with new and convenient secure payment options. According to earlier patent applications, multiple data and applications, such as configuration data, an indifferent payment terminal application, an EM V (EuroPay MasterCard Visa) application, encryption keys, as well as the payment user's personal data, will first need to be uploaded to the removable memory card. This step of uploading data can take place outside the hardware manufacturing process itself, as the credit card issuer wants to keep this sensitive step fully under its secure control, while at the same time needing to respond flexibly to requests from new users.

The new means of payment in the form of the removable memory cards mentioned above will also have a common contact interface, for example according to the SD Card Association with eight contacts. This contact interface will be used to transfer data and power when inserted into a mobile phone slot.

Data transfer when personalizing a memory card as a means of payment can be ensured through the contact interface contacts mentioned, but when highly productive writing and processing is required, new, dedicated devices that would be able to handle this small card format would have to be developed and manufactured. The microSD card is 15 mm x 11 mm x 1 mm. The development, implementation and certification of new devices are lengthy and their use would be non-universal in relation to the prevailing existing payment cards

It is also possible to transfer data and software to the removable memory card via a possible bc / contact communication interface if the removable memory card contains it, but such a solution is slow, less stable and complicated.

The small size of microSD cards also has the disadvantage that when it is distributed and manipulated on the user side, the card may be lost, unnoticed, as a small card is difficult to handle. Until now, there has been a technical requirement to improve handling characteristics, since efforts to miniaturize memory cards are a priority and are related to the miniaturization of slots of cooperating devices. In our case, however, it can be assumed that when a removable memory card is delivered to the appropriate user, it will insert it into the appropriate slot on the mobile phone and will not need to remove, move or otherwise manipulate it, since this memory card will mainly serve as a means of payment. mobile phone

It is also necessary to propose a procedure whereby data and software can be safely uploaded to a removable memory card with structured and hierarchical access rights of individual participants in the manufacturing and personalization process.

Solutions such as DE 29819389 U1 are known which insert a small card onto a larger card surface, but such solutions are unable to solve the problem if the whole small card is smaller than the size of the complete contact field itself according to the relevant standard. There is also a solution to the fertile applicant Logomotion s. r. about. published as WO 2011/141864 A1, which uses a full contact field coupled to a small card positioned next to it via a conductive path. However, it is also desirable to have an even simpler and cheaper production of a flat card without conductive connecting lines.

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The essence of the invention

These shortcomings are substantially eliminated by a temporary carrier with a removable memory card having internal circuits with at least one secure element and having a contact interface with a different contact arrangement than the normalized flat card contact field, the essence of the temporary carrier being the outer shape, width and length of a standardized flat card, such as a plastic credit card, and a removable memory card form in the flat card an element to be released. The release may take the form of a break from the body of the normalized flat card, the release line circumscribing the outer shapes of the removable memory card. An essential feature is that the removable memory card is provided on its surface outside the contact interface with at least five small additional contacts for temporary use before releasing the removable memory card from the body of the normalized flat card. Together, the additional contacts occupy a smaller area than the contact field of the standardized flat card, and also each individual additional contact has a smaller area than the corresponding contact in the standardized contact field. The sum of the additional contact areas on the removable memory card is less than the area specified by the standard for the normalized flat card contact field, typically less than half or a third of the area of the large standardized contacts. The sum of the additional contact areas on the removable memory card is also less than the area of the appropriate number of contacts normalized for the normalized flat card contact field.

The five additional contacts may generally have different relative positions, but always to match one of the contacts of the normalized contact field. Thus, the additional contacts may be located in particular in one strip (4 + 1) or two strips (3 + 2), may be located exactly in one axis or may also have a preferred relative position that most closely matches the functions of the individual contacts according to the normalized contact field.

The spacing of the additional contacts substantially corresponds to the contact spacing of the normalized flat card field, wherein the removable memory card is oriented and located within the normalized flat card such that the position and distance of the additional contacts from the temporary carrier edges correspond to the normalized flat card contact field. The spacing of the additional contacts may differ from the spacing of the normalized contact field to an extent that will maintain the projections of the additional contacts within the area of the respective contact. Thus, the additional contact cannot approach an adjacent additional contact by sliding the additional contact into the normalized large contact field mask on average across the large normalized contact boundary. The spacing of the two intermediate additional contacts may be the same as that of the respective contacts of the normalized contact field, the extreme two additional contacts may be moved closer to the central two additional contacts, but only to the extent that they do not cross the contacts border of the standardized contact field. Exact pitch tolerances in relation to the size of the additional contacts are limited by the stylus needles and the firing device mechanism.

The additional contacts are coupled to the internal circuits of the removable memory card, independently of the contact interface, which, after being released from the temporary carrier, is the only functional contact r / h of the removable memory card. These are, in particular, removable memory cards on which the payment application data and / or software are to be contacted by means of a device used to personalize chip payment cards.

The removable memory card has its own contact interface intended to be connected in a slot of a mobile communication device, in particular a mobile phone. This role will be arranged, for example, according to the SD Card Association specification for the microSD size. An important element of the temporary carrier of the present invention is that additional removable, only temporarily usable contacts are formed on the removable memory card, which will be smaller than the contacts in the contact field of a conventional, standard flat card, but spaced corresponding to the contact spacing on the standard flat card. . The number of additional contacts will always be less than the number of the normalized flat card contact field. This will always be at least five contacts, for example, contacts C1, C2, C3, C5, C7 according to ISO 7816. The smallest dimension of the additional contacts can be limited by the size of the contact needle in the data processing device, personalizing standardized payment cards.

Some new personalization devices have the ability to set the functions and tasks of each contact needle completely independent of the original assignment of functions and tasks to the standard. When using such a device, the additional contacts may be arbitrarily positioned according to any of the normal-field contact groups, but it will be preferable to use four additional contacts in positions C1, C2, C3, C5 and C7. The main advantage will be that in the stage of personalization itself it will be possible to use the existing equipment without changes. If the phases of pre-personalization and personalization are logistically divided, it will be sufficient to have only a small number of software-modified devices where removable memory cards will be fitted in a form ready for final personalization. This can then take place on a large number of untreated devices, which will be able to process common chip payment cards at the same time.

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The additional contacts corresponding to the normalized contacts C1 and C5 are connected to the internal circuits of the removable memory card and serve to supply them and / or transfer data to the internal circuits. Cl represents power, C5 ground, ground An additional contact corresponding to the normalized contact C2 is connected to the internal circuit and is intended to reset the internal circuit processes and reset the processes when the burner communicates with the removable memory card. The additional contact corresponding to the normalized contact C3 is connected to the internal circuit and is intended to clock the communication that takes place through the additional contacts. The additional contact corresponding to the normalized contact C7 is connected to the internal circuit and is intended for serial input and I / O output (half-duplex). These five additional contacts create a communication path accessible for processing in conventional chip card burning and personalization devices. Therefore, this device will not need to be hardware modified to burn small removable memory cards, especially microSD format. The device will be equipped with new and / or modified software to communicate with the removable memory card through five or six additional contacts, which, however, for the touch needles of the device will appear externally as normal contacts of the normal contact area of a standard flat card normally equipped with a chip

The preferred sixth additional switch contact will be used in particular if the removable memory card has several secure elements, in particular two secure elements in the form of hardware-independent ICC1 and ICC2 chips. The sixth additional switch contact is connected to the internal circuitry to exclusively switch one secure element to the active state, then the secure elements can be operated independently during burning, in which the removable memory card appears to contain only one secure element that is connected to the active mode . It will also be advantageous if the control by the sixth additional switch contact is set such that the non-use of the sixth additional switch contact in the device will represent the access state to the secure element at the personalization stage, i.e. access for the credit card issuer contained in the removable memory card. In principle, it does not need to access the second secure element. It will then not be necessary for the card issuer to control this sixth additional switch contact and may not even have a device with such a function;

In a preferred embodiment, the sixth additional switch contact by its position will correspond to the contact C4 according to ISO 7816, located in the eight additional contacts C1 to C3.

The temporary carrier may, after the final phase of personalization, perform the function of a mechanical carrier, a mechanical housing in which the user receives a removable memory card, but the additional contacts will always be intended only for use in the burner.

Since the removable memory card, the temporary carrier of which is described herein, will preferably include an NFC communication element with an antenna directly in the removable memory card body, it will be appropriate if at least a portion of the five additional contacts or the six additional switch contacts are located outside the projection of the antenna to the outside of the removable memory card. The orientation of the removable memory card on the temporary carrier and the resulting position of the additional contacts relative to the antenna should be designed so that the metal surface of the additional contacts shields the antenna as little as possible.

The removable memory card may have an isolator in the additional contacts and internal circuitry of the removable memory card. The disconnector is used to disconnect additional contacts from the internal circuitry before releasing the removable memory card from the standard flat card. The disconnection of the additional contacts may only take place after the last personalization operation in the firing device, an instruction to the disconnector, for example in the form of a programmable gate array, may come from the firing device that this instruction will have in the software development.

The disconnector can also be set such that the conductive connection is broken when the removable memory card is first inserted into the mobile communication device slot, since at this point the removable memory card will certainly be released from the bodies and the temporary carrier.

In principle, the disconnector may also have a mechanical form, for example by having wires extending across the break line from the removable memory card body to the other body of the normalized flat card and returning back through the break line to the removable memory card body. If the removable memory card is part of the temporary carrier, the conductors are functional, when released from the body of the temporary carrier, the conductors are interrupted and thus the conductive path is mechanically disconnected from the additional contacts to the inner circuit. To prevent scraps, remnants of wires from protruding laterally from the edges of the removable memory card, the wires at the edge of the removable memory card may have notches, weaknesses or the like to ensure that the wires break at the edge of the removable memory card. The breaker wires may pass through the break-out strip connecting the temporary carrier to the removable memory card body, then the line break line is defined by the shape and weakness of the break-out strip.

The connection of the temporary carrier to the removable memory card may also be provided by means of a foil that holds the removable memory card in an opening in the body of the normalized flat card.

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In order to increase data and software security along the path between personalization in the burning device and the user of the removable memory card, the customer, a standard flat card may have a security film with security features where the security film at least partially overlaps the removable memory card. . The security film has security features that indicate its removal from the carrier, so it will not be possible to remove it and re-affix it to the temporary carrier. The safety film will be applied to the carrier surface only after the personalization has been completed. With it, the user can check that the memory card contact interface was not physically accessible until it was delivered to the user. After the film has been torn off, the removable memory card can be released from the temporary carrier with little force, while also making the memory card contact interface accessible. The film may have an overpriced perforation so as not to allow it to be stuck back. This will increase the protection against unwanted loading of dangerous programs on the memory card that could occur on the way to the user.

A temporary removable memory card carrier will allow the memory card to be handled as if it were the size and character of a classic, full-format ICC card with a contact field that meets current standards. This will allow you to personalize and process memory cards on the same machines as .

The flat body of the memory card carrier may be manufactured in one step with the manufacture of a plastic memory card body, forming break lines, for example in the form of a groove, which closely follows the outer shape of the memory card. The groove may be interrupted by connecting strips.

If the firing device uses such large contact needles that making contact with the small additional contacts as described above is unstable or problematic, a temporary enlargement of the contact area by the film with at least five contacts on the outside of the film can be created. The contacts correspond in position and shape to the corresponding contacts of the normalized flat card contact field. They may be of full size, such as the corresponding five or six contacts of the standard field. The film extends beyond the release line and the contacts on the film are connected to the additional contacts on the removable memory card on the inside of the film. The foil is removable from the removable memory card. The passage of the conductive path from the outer side of the film to its inner side to the additional contacts can be ensured by various technical means, for example, such that the full contacts on the outer side of the film are interconnected with the contact pads on the inner side of the film. Thus, the contact pads need not be permanently connected to the additional contacts, but it is sufficient if they are pressed against the additional contacts on the removable memory card. It is then advantageous if the contact pads extend from the inside of the film, their protrusion from the plane causing the projecting contact pads to be pressed onto the additional contacts after the film is adhered to the temporary support. In principle, the contact foil can also be reused.

When handling ICC card personalization devices, the internal circuitry located in the removable memory card appears to be an ICC card chip. Establishing a conductive connection between the internal circuitry and the additional contacts is essentially only dedicated and temporary, since the user no longer needs it for the function of the payment means on the removable memory card already released from the temporary carrier.

Since the standard thickness of a microSD card is 1 mm, which is approximately 0.24 mm more than the thickness of a standard plastic card, card holders could be contacted with the memory card contact interface when handling the card personalization device. In order to prevent damage to the memory card, the memory card carrier may be provided with a foil which overlaps at least the memory card contact interface zone or may also cover the entire surface of the normalized flat card, except for additional contacts.

Also new is a method of manufacturing and processing a removable memory card, wherein the processing consists mainly of storing data and / or software using a device that operates with a contact field different from the contact interface of the removable memory card according to the present invention. the card is formed as part of a temporary carrier in the form of a larger, normalized flat card, and additional contacts are formed on the surface of the removable memory card. Their position within the temporary carrier corresponds to the location of the contacts on the standard flat card, the additional contacts are connected to the internal circuits of the removable memory card. Thereafter, the temporary carrier thus formed is inserted into a data storage device and / or software, wherein the device treats the temporary carrier as a standard normalized flat card with a normalized contact field.

The sixth additional switch contact is used to switch secure elements by energizing it, for example by shorting the first additional contact, which evaluates the removable memory card's internal circuitry to instruct the first secure element to be active and disconnect the second secure element. Termination of the power supply to the sixth additional switch contact causes the reverse state.

Data processing of the removable memory card will mainly have three stages. The first is to load the basic software and data needed to run the hardware elements of the removable memory card, in particular to communicate with the secure element.

S K 288572 B6 hardware, which until then had only basic equipment from a supplier of separate components. The second stage, the pre-personalization stage, is related to the uploading of data and specific software for payment terminal operation, including encryption keys. After this stage, the removable memory card is ready for personalization for the benefit of the individual. Thus, the first two stages are carried out in the personalization facility, although they are essentially only pre-treatment. In the third stage, the removable memory card is loaded with data relating to the person of the future holder of the removable memory card as the user of the payment instrument. This phase corresponds to the normal operations of the credit card personalization device. These stages can be performed on a single insertion or multiple insertions into the device.

With the selected logistics, only “thick removable memory cards” or “semi-rough” removable cards that have undergone the first or the first or only one operation can be prepared in advance. the first and second stages of processing and then prepared in this way await personalization for the user according to the data of the card issuer who has entered into the relevant agreement with the user. Then, already functional and tested removable memory cards are used for personalization. In a different logistics setup, all three stages can be performed sequentially in a single pass through the firing device. The access data and rights to the second secure element shall be provided by the manufacturer to the credit card issuer who, when uploading the payment card to the second secure element, changes the original access data and thus has exclusive access to his sensitive personalization data. additional switching contact, a completely standard device can be used for the last stage of personalization.

After the third stage, the removable memory card may be instructed to terminate the connection between the additional contacts and the internal circuits. The disengaging gate may also be programmed such that when the removable memory card contact interface is first energized, that is, when the removable memory card is inserted into the reader slot, it permanently adjusts to disconnect additional contacts from the internal circuits.

After making the additional contacts, they can be covered with a foil with contacts on the outside and with contact pads on the inside of the foil so that the contact pads are adjacent to the additional contacts and the contacts on the outside of the foil are larger than the additional contacts. credit card contact field. The film can be reused. Even in the case of disposable use, this film will be removed from the temporary carrier prior to shipping.

BRIEF DESCRIPTION OF THE DRAWINGS

The invention is explained in more detail with reference to Figures 1 to 24. The illustrations are not shown in a binding or proportional scale, and the ratio of the size of the removable memory card and the standard flat card as well as other elements to each other is not binding, does not reduce the scope of protection required; to increase image clarity.

Figure 1 shows a conventional plastic chip payment card with a normalized contact field

In Figure 2, a temporary carrier with a removable memory card with six additional contacts is shown when looking at the upper surface of the temporary carrier.

In Figure 3, the temporary carrier of Figure 2 is shown from the bottom.

Figure 4 shows the blending of the normalized flat card contact field and the removable memory card outlines. Figure 5 is a detail of the intersection of lines where the distribution of additional contacts can be seen in accordance with the original division of the normalized contact field, which is in full line. A removable memory card is shown by a dashed line.

Figure 6 shows a removable memory card with five additional contacts when released from the temporary carrier. The layout corresponds to the orientation shown in Figures 2 and 3. In Figure 7, the same removable card is shown in detail, indicating the release line.

Figure 8 shows a different orientation of a removable memory card with six additional contacts. Figure 9 shows a removable memory card released from the temporary carrier of Figure 8.

Figure 10 shows the rotatable orientation of a removable memory card with six additional contacts that are on the same area as the permanent contact interface. Figure 11 shows a removable memory card released from the temporary media of Figure 10.

Figure 12 shows another possible orientation of a removable memory card with six additional contacts that are located on the same area as the conventional contact interface. In the example shown here, the sixth additional switch contact is off the axis of the other three additional contacts. Figure 13 shows a removable memory card released from the temporary media of Figure 12.

Figure 14 shows a removable card memory card with six additional contacts on the opposite side to the conventional contact interface. Fig. 15 is a view of the rear underside of the temporary support. In Figures 16 and 17, the removable memory card is released from the temporary carrier of Figures 14 and 15.

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Figure 18 illustrates the possibility of extending the size of additional contacts using a film with large contacts on one side and with small contact pads on the other side of the film. On the lower left edge of the temporary support, the film is partially contracted. On the sheet 19, the foil is pulled such that the contact pads have just been pulled away from contact with the additional contacts.

At 20, there is a cross-sectional detail of the removable memory card at the release line where a large-contact film is stretched on the surface of the temporary carrier. Both the foil and the large contacts go all the way to the body of the normalized flat card.

Figures 21 and 22 show the possibility of forming a mechanical disconnector in the release line in the body of the tie strip. Fig. 21 shows the disconnector in an uninterrupted state, at the edge 22, the disconnected conductors are shown in the state after the removable memory card has been removed from the temporary carrier. The figure shows, for clarity, only four pairs of wires, with five additional contacts with, and assumes five pairs of wires.

Figure 23 schematically illustrates some of the different possibilities for spacing additional contacts to one secure element and Figure 24 to two secure elements. The first line corresponds to the arrangement with the closest approximation to ISO 7816. With two secure elements, a removable memory card behaves externally as one secure element if only additional contacts are used for its processing and burning, as shown in the diagram in Figure 23.

DETAILED DESCRIPTION OF THE INVENTION

Example 1

In this example, according to Figures 2 to 7, the temporary removable memory card carrier 2 is formed as a standardized flat card 1, made of plastic, with a standard size of ID-1 according to ISO / IEC 7810, 85.60 mm x x 53.98 mm.

In a zone where, according to ISO 7816, an eight-contact field should be equipped with a removable microSD 2 memory card. It is oriented so that the contact interface 6 of the microSD card is on top of the temporary carrier. The edge of the removable memory card 2 is approximately 8.94 mm from the left edge of the normalized flat card 1 in the portion where the removable memory card has a width of 11 mm. At the top, where the width of the removable memory card 2 is smaller, the distance from the edge of the normalized flat card 1 is approximately 10.24 mm. The upper edge of the removable memory card 2 from the upper edge of the normalized flat card 1 is approximately 14.56 mm. In this location, five removable contacts 4 Cl, C2, C3, C5, C7 for temporary use are formed on the removable memory card 2 prior to release from the temporary carrier.

Three of the five additional contacts 4 are below one another in a vertical row. The fourth and fifth additional contacts 4 are in the second strip, the second line of additional contacts 4. The left edge of the three additional contacts 4 is approximately 10.52 mm from the left edge of the normalized flat card j. The fourth and fifth additional contacts 4 are approximately 17.60 mm from the left edge of the normalized flat card 1 and the lower edge of the additional contact 4 in the right strip is, like the lower edge of the third additional contact 4, from the upper edge of the normalized flat card j. 01 mm. The sixth additional switch contact 8 is located in the left strip below the three additional contacts 4.

All additional contacts 4, 8 are approximately square in shape and have a side length not exceeding 2.5 mm.

Thus, in this example, the additional contacts 4, 8 are located on the same side as the contact r / liranic 6 of the removable memory card 2, mainly for technological reasons which limit the procedure for applying the removable memory card layers and substrates. additional contacts 4, 8 may also be formed on the opposite side of the removable memory card 2.

The removable memory card 2 is oriented so that the three additional contacts 4 C1 to C3 are in line perpendicular to the location of the contacts of the microSD card interface 6. The removable memory card 2 has internal circuits with two secure elements and is intended to form a payment means and POS terminal in mobile communication device. The temporary carrier serves to enable the data and software for the POS payment terminal to be included in the removable memory card 2, which will be included on the removable memory card 2 in addition to the data and software for the payment card.

The removable memory card 2 forms, on the normalized flat card 1, a bounded element intended to be released from the body of the standardized flat card 1. The release line 3 is determined by a thin gap between the edge of the removable memory card 2 and the adjacent, shaped opening in the normalized flat card 1. The removable memory card 2 is connected to the body of the normalized flat card 1 by foil from the underside. By attaching the removable memory card 2 to the temporary carrier by means of a foil, the removable memory card 2 itself can be manufactured separately from the temporary carrier, i.e. separately as before, it does not have to be produced with break-out strips as a factory-fitted card.

The spacing of the additional contacts 4 and of the sixth additional switch contact 8 correspond to the spacing of the respective normalized contacts of the normalized flat card field 5 k The common layout of the payment card's normalized contacts is shown in Figure h

With the external dimensions of the temporary carrier, the goods correspond to the position of the contact field 5 of the standardized flat card T The additional contacts 4, 8 are connected to the internal circuits of the removable memory card 2 independently of the contact interface 6.

Four additional contacts 4 are provided for - C1 and C5 for supplying and transmitting data to the internal circuits, C2 for resetting the internal circuit, C3 for clocking the communication through the additional contacts 4, C7 serving as a serial input output. The sixth additional switch contact 8 in position C4 is intended to exclusively switch one of the two secure elements to the active state. The orientation of the additional contacts 4, 8 is selected such that the NFC antenna located in the body of the removable memory card 2 is minimal. The NFC antenna is positioned along the bottom edge, its projection into the common elevation plane only partially overlaps with the additional 8 C4 contact.

In this example, the removable memory card 2 as part of the temporary carrier is also provided with a disconnector 7 in the form of a programmable FPGA gate array. The disconnector 7 is connected between the additional contacts 4, 8 and the internal circuits of the removable memory card 2 to disconnect the additional contacts 4, 8 from the internal circuits before releasing the removable memory card 2 from the normalized flat card k

The removable memory card 2 may be produced together with the surrounding body as part of the temporary carrier, otherwise it may be manufactured separately and subsequently inserted into the body of a standardized flat card k If the removable memory card 2 is produced directly as part of the temporary carrier firmware and data in the pre-personalization phase can also be inserted via additional contacts 4, 8. Additional contacts 4, 8 are created on the surface of the removable memory card 2 so that their position within the temporary carrier corresponds to the contacts on the standard flat card to Additional contacts 4, 8. directly interfaces with the internal circuits of the removable memory card 2 when storing the layers in card production.

In this example, the component basic firmware is loaded into the removable memory card 2 still in operation for manufacturing microSD cards. These are operating systems and interface and memory programs. Operating systems and encryption tools are already loaded in both secure elements from the chip supplier. After the basic processing, in this example, the removable memory card 2 is inserted into an opening in the body of the temporary support, where it is held by an adhesive or adhesive film.

The temporary carrier thus formed is then inserted into the data storage device and / or software, the device treating the temporary carrier as a standard card, i.e. a standardized flat card 1 with a contact field 5. Via additional contacts 4, 8, it is inserted into a removable memory card. Using the sixth additional switch contact 8, the device will switch the individual secure ICC1 and ICC2 elements to an exclusive active state, depending on which secure element the data and applications to the POS terminal belong to, and to which the credit card data and applications belong.

The subsequent processing can now take place, for example, by inserting the temporary carrier into a device in which the needle for contact C4 and / or can also be operated. for a sixth additional switch contact 8 corresponding to position C4. Operation can be simple, for example by applying a voltage or a voltage. by contacting C1. The internal circuits of the removable memory card 2 respond to this by accessing a secure element that is appropriate for the POS application. Failure to supply this power, i.e., the failure of the temporary sixth additional switch contact 8 in position C4, induces a state where the removable memory card 2 appears to be a single secure element device intended for payment card applications.

In the pre-personalization phase, data and software are also transferred to the payment circuits, including encryption keys, to the internal circuits. In the last third phase, the removable memory card 2 stores personalization data related to the person of the future holder of the removable memory card 2 as the user of the payment instrument, according to specific instructions from the bank or the bank. credit card issuer.

In this example, the first two pre-personalization stages are performed separately, the first stage via the contact interface 6 of the removable memory card 2, and the second pre-personalization stage is made through the five additional contacts 4 also by switching the sixth additional switch contact 8. Subsequently, in the last stage, after obtaining data about a particular user of the payment instrument, the personalization device is personalized. This third stage can also take place on a device other than the second stage, since it is no longer necessary to control the sixth additional switch contact 8, access to the second secure element for the payment card issuer is sufficient.

In the last data processing step in the device, the removable memory card 2 is instructed to terminate the connection between the additional contacts 4 and the internal circuits. The top surface of the temporary carrier is then coated with a security film with protective means indicating its removal from the carrier. The safety film overlaps the contact interface 6 as well as the additional contacts 4, 8.

There is also a software application in the removable memory card 2 which, for sure, when first inserting the memory card 2 into the mobile communication device slot, also sends a disconnect instruction in the disconnector 7.

The hierarchy of access rights can be set so that the manufacturer of pre-assembled removable memory cards 2 initially has access to both secure elements, while first storing applications to the POS

With K 288572 B6 terminal. It will only provide the credit card issuer with access data to the second secure element. When uploading a credit card to the second secure element, it changes the original access data and thus has exclusive access to its sensitive personalization data

Consequently, the manufacturer of the pre-assembled removable memory cards 2 only has access to the first secure element.

Example 2

This example, illustrated in Figures 18 to 22, differs from the first in particular in that a foil 9 with contacts 10 is used within the normalized flat card I.

On the outer surface of the carrier at the location of the removable memory card 2, a thin foil 9 with six contacts 10) is stretched and adhered on the outer side of the foil 9. The contacts 10 correspond in their position and shape to the corresponding contact field contacts 5 of the standardized flat card T The film 9 extends beyond the release line 3. The resilient contacts 10 on the film 9 are connected to the contact pads JT on the inside of the film 9 by means of openings. The contact pads 11 are pressed against the additional contacts 4, 8 on the removable memory card 2. The film 9 is removable from the body of the removable memory card 2, removing the contact pads 11 from the internal contacts 4, 8. side of the film 9, thereby creating the necessary contact pressure. The film 9 with contacts 10 s and can also be used repeatedly.

The disconnector 7 in this example is in the form of conductors which, through the break-out strip connecting the temporary carrier to the body of the removable memory card 2, exit the body of the removable memory card 2. At the same time the removable memory card 2 from the temporary carrier is interrupted and the connection of the additional contacts 4, 8 to the internal circuits is terminated.

Since in this example the removable memory card 2 is made directly as part of a temporary carrier, the first pre-personalization processing stage will also be carried out via the additional contacts 4, 8.

Industrial usability

Industrial applicability is obvious. According to this solution, temporary memory card carriers with the shape and dimensions of standardized flat cards can be manufactured and used industrially and repeatedly. According to this solution, it is possible to communicate with the removable memory card through additional contacts in positions according to the established standard for plastic payment cards.

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List of reference marks

- standard flat card

- removable memory card

3 - release line

- additional contact

- Contact field

- Contact interface for removable memory card

- disconnector

8 - Sixth additional switch contact

- foil

- foil contacts

EMV - Europay MasterCard VISA

Claims (24)

PATENT CLAIMS A temporary removable memory card carrier (2) with a removable memory card (2) having internal circuitry with at least one secure element and having a contact interface (6) having a different contact arrangement than the normalized flat card (5) contact field (5) 1); the temporary carrier is in the form of a normalized flat card (1) within which a removable memory card (2) is placed as a boundary element intended to be released from the body of the standardized flat card (1) and the removable memory card (2) is in the body of the standardized flat card ( 1) bounded by a release line (3), characterized in that the removable memory card (2) is provided on its surface outside the contact interface (6) with at least five additional contacts (4) for temporary use before releasing the removable memory card (2) from standard flat card bodies (1), the sum of the additional contact areas (4) on the removable memory card (2) is smaller than the area specified by the standard flat card contact field (5), the spacing of the additional contacts (4) substantially corresponds the spacing of respective contacts of the contact field (5) of the standardized flat card (1), the removable memory card (2) being within the standard flat card (1) oriented and positioned such that the position of the additional contacts (4) within the external dimensions of the temporary carrier corresponds to the position of the contact field (5) of the standard flat card (1) and the additional contacts (4) are interconnected with the memory card (2) outside the connection with the contact / play button (6). Removable memory card temporary carrier according to claim 1, characterized in that one of the five additional contacts (4) is one additional contact (4) for power supply, one additional contact (4) is for data transmission to internal circuits, one the additional contact (4) is for grounding, one additional contact (4) is for resetting the internal circuit, and one additional contact (4) is for clocking the communication through the additional contacts (4). A removable memory card temporary carrier according to claim 1 or 2, characterized in that the five additional contacts (4) correspond in position to the contacts C1, C2, C3, C5, C7 according to ISO 7816. The removable memory card temporary carrier according to claim 3, characterized in that the additional contacts (4) corresponding to the normalized contacts C1 and C5 are connected to the internal circuits of the removable memory card (2) to power them, C1 represents power, C5 represents ground, the additional contact (4) corresponding to the normalized contact C2 is intended to reset the internal circuit, the additional contact (4) corresponding to the normalized contact C3 is intended for clocking the communication through the additional contacts (4) and the additional contact (4) corresponding to the normalized contact C7 data input and output. Removable memory card temporary carrier according to any one of claims 1 to 4, characterized in that the removable memory card (2) has at least two secure elements and has a sixth additional switch contact (8), which is connected to internal circuits to exclusively switch one secure element to the active state. A removable memory card temporary carrier according to claim 5, characterized in that the sixth additional switch contact (8) is disposed on the axis of the three additional contacts (4) on the left, in a preferred configuration the sixth additional switch contact (8) corresponds in position to the contact C4 according to ISO 7816. A removable memory card temporary carrier according to any one of claims 1 to 6, characterized in that the removable memory card (2) has an NFC communication element with the antenna, wherein at least a portion of the additional contacts (4, 8) is located outside the antenna projection on the removable surface. memory card (2). Temporary removable memory card carrier according to any one of claims 1 to 7, characterized in that the removable memory card (2) has a disconnector (7) connected between the additional contacts (4, 8) and the internal circuits of the removable memory card (2) for disconnecting the additional contacts (4, 8) from the internal circuitry before releasing the removable memory card (2) from the normalized flat card (1). The removable storage card carrier of claim 8, wherein the disconnector (7) is in the form of a programmable gate array. Temporary removable memory card carrier according to claim 8, characterized in that the disconnector (7) is in the form of conductors extending through the break line (3) from the removable memory card body (2) to the other body of the standardized flat card (1) and they return back through the breakaway line (3) to the body of the removable memory card (2), preferably the disconnect wires (7) pass through a break-out strip connecting the temporary carrier to the body of the removable memory card (2). Temporary removable memory card carrier according to any one of claims 1 to 10, characterized in that it is provided with a foil that holds the removable memory card (2) in the body of the standardized flat card (1). S 288572 B6 Temporary removable memory card carrier according to any one of claims 1 to 11, characterized in that it has at least on one side a security film with protective means indicating its removal from the carrier, the security film overlaps the contact roll (6) and / or additionally contacts (4, 8). The removable memory card temporary carrier according to any one of claims 1 to 12, characterized in that on the outer surface of the temporary carrier at the location of the removable memory card (2) there is a film (9) with at least five contacts (10) on the outside of the film. (9), the contacts (10) correspond in position and shape to the corresponding contacts of the contact field (5) of the standardized flat card (1); the foil (9) extends beyond the release line (3) and the contacts (10) on the foil (9) are interconnected on the inside of the foil (9) with additional contacts (4) on the removable memory card (2) and the foil (9) is removable removable memory card body (2). Removable memory card temporary carrier according to claim 13, characterized in that the contacts (10) on the outside of the film (9) are connected to the contact pads (11) on the inside of the film (9), the contact pads (11) adjacent pressed against the additional contacts (4) on the removable memory card (2). A removable memory card temporary carrier according to claim 14, characterized in that the contact pads (11) project from the inside of the film (9). A method of manufacturing and processing a removable memory card (2), wherein the processing consists essentially of storing data and / or software using a device that operates with a contact field (5) different from the contact interface (6) of the removable memory card (2), characterized in that the removable memory card (2) is formed as part of the temporary storage medium or is inserted into the temporary storage medium in the form of a larger, standardized flat card (1), additional contacts (4) are formed on the surface of the removable storage medium (2) such that their position within the temporary carrier corresponds to the location of the contacts on the standard flat card (1), the additional contacts (4) are connected to the internal circuits of the removable memory card (2) and subsequently inserted into the data storage device; and / or software, the device handling the temporary carrier as a standard flat card with a contact computer (5). Method for manufacturing and processing a removable memory card (2) according to claim 16, characterized in that the removable memory card (2) is inserted into the removable memory card (2) via additional contacts (4) or through the contact / play (6) of the removable memory card (2). first load data and / or software for the basic operation of the removable memory card hardware elements (2) and then upload via additional contacts (4) a) data and / or software payment terminal including encryption keys, b) data related to future removable cardholder a memory card (2) as a user of the means of payment, wherein these recording and / or programming stages are performed on one or more insertions in the device. Method for manufacturing and processing a removable memory card (2) according to claims 16 or 17, characterized in that a sixth additional switch contact (8) is used to record into one secure element, which switches the respective secure element into an exclusive active state, preferably by applying power to the sixth additional switch contact (8). A method of manufacturing and processing a removable memory card (2) according to any one of claims 16 to 18, characterized in that, when recording to the second secure element, the sixth additional switch contact (8) is unused, which the internal circuits interpret as an instruction for exclusive access to the second secure element. A method for manufacturing and processing a removable memory card (2) according to any one of claims 16 to 20 19, characterized in that, in the last data processing step in the device, an instruction to terminate the connection between the additional contacts (4) and the internal circuits is sent to the removable memory card (2). A method of manufacturing and processing a removable memory card (2) according to any one of claims 16 to 20, characterized in that the disconnector (7) breaks the conductive connection between the additional contacts (4) and the internal circuits when the memory card (2) is first inserted into the mobile communication device slot. A method for manufacturing and processing a removable memory card (2) according to any one of claims 16 to 21, characterized in that after the additional contacts (4, 8) have been formed, they are covered by the film (9) with the contacts (10) on the outside and the contact pads (11) on the inside of the film (9) so that the contact pads (9) 11) are adjacent to the additional contacts (4, 8). Method for manufacturing and processing a removable memory card (2) according to claim 22, characterized in that the film (9) with the contacts (10) is reused. S 288572 B6 A method for manufacturing and processing a removable memory card (2) according to any one of claims 16 to 16 23, characterized in that the manufacturer of the removable memory card (2) initially has access rights to all secure elements on the removable memory card (2), the credit card issuer only provides access to the secure element intended for credit card data obtained The credit card issuer will then change to their exclusive access rights and the manufacturer will only have access rights to the other secure elements.