TWI584199B - Portable device with contactless value added card and the method of the same - Google Patents

Description

Handheld communication device with non-contact stored value card and method thereof

The invention relates to a stored value device and a stored value card, in particular to a handheld communication device for a non-contact stored value card.

In general, credit cards are widely used in financial transactions or commodity trading, and currently mainly use contact credit cards. In addition, the traditional smart card is a large card with a size of 84mm X 54mm, which is generally applied to financial transaction systems such as financial cards, credit cards, ATM cards, or identity authentication systems such as health insurance cards. When swiping the card, the card reader reads the information on the magnetic strip to verify the identity and facilitate the credit transaction. However, this contact method often causes wear and tear on credit cards and pollution. When entering a password, it is easy to be recorded by others.

The present invention can provide a non-contact financial card, a contactless credit card, a contactless memory card or the above composite card. The above contactless card includes an integrated circuit IC card. For fixed terminal applications, interactive authentication is available, such as in an automatic teller machine (ATM) where the user can operate at an automated teller machine (ATM) or an inductive credit card or card reader. To provide consumption or service.

The invention discloses a credit card, comprising a substrate, wherein the base of the credit card comprises an IC coupled to a signal transmitting and receiving device, so as to facilitate non-contact credit transaction by electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device. The IC stores the information related to the card to facilitate transaction authentication. Such as card number, expiration date, and user related information. The signal transmitting and receiving device is an antenna or an induction coil. Such as planar antennas, such as PIFA, finger antenna, complex loop antenna. The antenna or induction coil is disposed on an inner or outer surface of the substrate.

The invention also has a financial card comprising a substrate, the substrate comprising an IC coupled to an antenna or an induction coil for facilitating contactless financial transactions by electromagnetic induction or electromagnetic resonance, wherein the IC stores the financial card Relevant information to facilitate transaction certification. Contains user-related information, passwords, account information, bank account information, and more.

Similarly, the present invention provides a subscriber identity module card comprising a base, wherein the base comprises an IC coupled to a signal transmitting and receiving device for facilitating contactless transmission of electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device. The transaction, wherein the IC stores authentication related information to facilitate transaction authentication, and the subscriber identification module card includes an output input interface to facilitate connection with the mobile phone connector. The signal transmitting and receiving device comprises an antenna or an induction coil. Wherein the antenna or the induction coil is disposed on the inner or outer surface of the substrate or inside or outside the mobile phone case. The subscriber identity module card includes a user identity code.

A handheld communication device, comprising: an IC coupled to a non-contact transaction signal transmitting and receiving device for facilitating contactless transaction by electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device, wherein the IC stores authentication related The information is used to facilitate transaction authentication. The identification code is stored in the handheld device or in a subscriber identification module, and includes an output input interface to facilitate connection with the mobile phone connector. The handheld communication device includes a mobile phone or a number of assistants.

Based on the above needs, the present invention provides a contactless credit card reader, characterized in that it comprises a contactless reader/writer coupled to a non-contact signal transmitting and receiving device for facilitating electromagnetic induction through the signal transmitting and receiving device. It is a non-contact credit transaction by electromagnetic resonance, in which a contactless credit card reader is coupled to a remote server during use to facilitate transaction authentication. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil.

A non-contact financial cash dispenser, characterized by the prior art, comprising a non-contact reader/writer coupled to a non-contact signal transmitting and receiving device for facilitating electromagnetic transmission through the non-contact signal transmitting and receiving device Inductive or electromagnetic resonance for non-contact financial transactions, where the contactless teller machine is coupled to the remote server during use to facilitate transaction authentication. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil.

A handheld communication device having a contactless card, the handheld communication device comprising a user identification module card, wherein the non-contact card has a base disposed outside or inside the handheld communication device and coupled to the handheld communication device; The base includes an IC for storing related information, and a non-contact signal transmitting and receiving device is coupled to the IC to facilitate contactless information transmission, wherein the contactless card includes a credit card, a financial withdrawal card, a leisure card, a stored value card, an identity authentication card or a combination thereof, wherein the contactless card is independent of the user identification module card or integrated in the user identification module card; and the non-contact signal transmitting and receiving device is externally contactless The card reader supplies power to the contactless card by electromagnetic resonance or electromagnetic induction, and transmits information through the non-contact signal transmitting and receiving device. The contactless card is coupled to the handheld communication device to output transaction information to the display of the handheld communication device; wherein the contactless card is coupled to the handheld communication device to exchange information through the remote output transaction information or database.

The following description provides a clear and unambiguous description to provide an overview of the embodiments of the invention. The following description of the drawings is intended to be illustrative of the preferred embodiments of the invention The invention is applicable to certification applications such as credit transactions and financial transactions, such as fixed terminal machines, including Automated Teller Machine (ATM), credit card machines, card readers or Point of Sales (POS) systems. Card reader. The following applies to the above application areas.

Referring to Figure 1, there is shown a schematic diagram of an IC card 10 in accordance with the present invention. In a preferred embodiment, the substrate material having the IC 12 described above may be a plastic material similar to that used in credit cards or transaction cards. For example, the material of the substrate preferably has a thickness ranging from 0.08 mm to 0.12 mm. In still another preferred embodiment, the size, material, and shape of the IC card described above are applicable to current financial cards, credit cards, or standard subscriber identity module cards. Its characteristics do not use the direct contact card mechanism of the magnetic strip to cause inconvenience. However, the present invention does not exclude the inclusion of a magnetic strip and provides two modes of operation.

As shown, it is a surface representation of one of the IC cards according to the present invention. The IC card 10 includes an IC 12 coupled to an antenna 14 (or an electromagnetic induction coil), and the antenna 14 can be located anywhere in the card or on the surface, including but not limited to either side of the IC card. In the case of a credit card, information such as the user's information, authentication code, card number or password can be stored in the IC in advance. The IC card may include a single IC, an integrated IC, or a plurality of ICs attached or embedded in the above IC card. The IC card may be a flexible printed circuit board (commonly known as a soft board) or a hard printed circuit board, and may be a transparent or opaque material. On the other hand, the IC may also include a memory, such as an Electrically Erasable Programmable Read-Only Memory (EEPROM) or a Flash memory, to facilitate storage of data. For user identification applications, etc.

In one embodiment, the IC 12 is coupled to store the information related to the card to facilitate the transaction authentication of the memory 122. The information includes but is not limited to, such as card number 12A, expiration date 12B, and user related information 12C or password, identification code, and the like. The IC 12 and the memory 122 are an integrated IC. The signal transmitting and receiving device is an antenna or an induction coil. Such as planar antennas, such as PIFA, broken antenna, finger antenna, complex loop antenna. The credit card does not need to be located on the magnetic stripe or metal contact interface of the card surface, such as a plurality of metal contacts on a general financial card.

In the case of a financial card, the IC card 10 according to the present invention may optionally omit the signal input/output contact interface 16, and may also include the above-described input/output contact interface 16 to enable the contact and contactless transaction authentication functions. In addition, it is convenient for the user to change the password. Credit cards do not require this interface16. Furthermore, the contact interface of the IC card is equivalent to the pin of the conventional standard smart card, and is a contact interface provided by a conventional standard smart card. Therefore, the card reader can communicate through the input/output interface. Can be widely applied to fixed terminals, including cash dispensers or endpoint sales system readers. In this embodiment, the IC card may be a smart card, but is not limited to a credit card, a financial withdrawal card, a leisure card, a loan card, and a stored value card. In addition, based on the application of this embodiment, the features of the embodiments of the present invention further include a signal, a transmitting and receiving device, which can be generally a planar antenna. The described embodiment of the invention is substantially equivalent in size to a financial card or an IC card. It can be coupled to the antenna 14 as a near field electronic wireless transaction or identification function. The antenna 14 can be a thin, or planar induction coil or a so-called planar antenna, including but not limited to the loop antenna shown in the figures. In an embodiment, the configuration of the antenna is not limited to the above manner, and the configuration may be changed according to different needs, and the signal is transmitted and received through the antenna.

Compared to the prior art, the present invention has the advantage of being applied to contactless financial or transaction services. The invention has the following advantages: providing a contactless credit card, a financial card application, etc., and inputting or not inputting a password, so as to avoid being recorded by others. Based on the non-contact type, the card process can be avoided to damage the card body. Based on contactlessness, it provides a more hygienic transaction. In addition, there is no personal information or specific indication from the appearance of the card, and no card number or account number can be displayed on the surface that is identifiable to the naked eye. The average person cannot steal or read any relevant information in appearance to improve security. The signature can also be stored in the memory 122 in a digital manner, which facilitates the identification and comparison with the bill signature. The surface of the card can be customized or painted according to personal style. Digital photos can also be added to the memory 122 to facilitate identification and improve transaction security.

In another application, the present invention can also be applied to a subscriber identity module card of a mobile phone. Referring to FIG. 2, the configuration has at least one antenna 14A buried in the IC card 10A or disposed on a surface or disposed on the same. Internal or external to the phone to facilitate the transmission and reception of signals. It includes a signal input and output contact interface 16A to facilitate contact with the mobile phone. This antenna 14A is not an antenna for voice communication of the mobile phone itself, and is an antenna that is advantageous for near field non-contact transactions. This is the way to use the mobile phone as a trading tool. Based on this, an identification code or a password can be provided in advance, for example, the subscriber identification module can be identified by having a specific or personal authentication identification code. Therefore, you can use this configuration for contactless transactions. It can be charged by a telecommunications or financial services company, or by a debit card. The above-mentioned contact interface 16A includes more than eight pins. Currently, the mobile phone operator only uses some of them. Therefore, the pin that has not been used can be coupled with the antenna, and then contact with the IC 12A as an information transmission path. Based on the advancement of semiconductor technology, it is able to provide sufficient memory capacity to store the amount of credit in the memory of the card, deducted through consumption, and the related information can be transmitted through the mobile phone 200 or card IC (or memory). The trading software in the middle shows the balance or transaction amount and time. When you need to add (store) value, you can add (store) value points through the contactless card reader or the endpoint sales system, or download or store the value via the mobile phone 200 or download the discounted electronic ticket. (If the mobile phone 200 has the WiFi module 210, refer to the fourth figure). If the card reader feels insufficient balance, it can automatically add (store) the amount of the booked or set value, and then send the card to the credit card or enter the cash.

In operation, the non-contact card reader 50 or the end point sales system based on the illustration can be powered by the reader to generate a magnetic field (coil type) in an electromagnetic induction manner on the credit card (or other IC card, subscriber identification mode). The coil of the group card generates an IC that drives the card, draws the information in the memory, and processes the reply signal through the IC to the contactless card reader. Similarly, based on electromagnetic induction, the coil 52 of the contactless card reader 50 generates a signal feedback to the reader/writer 54, a control unit 60 that couples the reader/writer 54 to process the desired transmission or reception of the message. In addition, an antenna can be used instead of a coil, and transmitting a signal through the antenna is accompanied by a magnetic field. Current is generated by resonance on the card, and subsequent processing is as described above. The mobile phone or its contactless card reader or endpoint sales system is connected to the remote server. Through the network interface 56, coupled with the control unit 60, it is possible to exchange information with the remote database to facilitate transactions. And a print (or output) unit 58 is coupled to the control unit 50 to facilitate receipt of information and credit card joint center authentication information output accounting information or can be displayed on the display. The above may include providing a certification identification code to identify the counterpart of the transaction; exchanging information with the remote server or database through the mobile phone to facilitate the transaction; inputting the identification code and providing the credit card information for the mobile phone transaction; receiving the information and outputting the certificate with the credit card joint center Credit transaction information or displayed on the display. FIG. 3 is a functional block diagram of the non-contact cash dispenser 100 related to the present invention. It includes cash output or/and input unit 102 for exporting cash or entering cash for withdrawal or deposit. The inclusion control unit 104 is configured to control the processing of input signals and to connect with the host to facilitate transaction authentication and information inquiry. It is connected to the main memory 105 of the cash dispenser 100. 106 is a cash deposit and is contacted by the cash output/input unit 102 via the transport device 108. The non-contact financial cash dispenser includes a contactless reader/writer 110 coupled to the non-contact signal transmitting and receiving device 112 and the control unit 104 for facilitating electromagnetic induction through the non-contact signal transmitting and receiving device. Electromagnetic resonance performs a contactless financial transaction in which a contactless financial cash dispenser is coupled to a remote server during use to facilitate transaction authentication. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil. The other part of the operating mechanism is equivalent to the traditional mechanism, which has to configure the contact card reading mechanism 114 to facilitate the traditional card reading. Through the web interface 116, information can be exchanged with the remote database to facilitate transactions.

Based on the above statement, the present invention can also be applied to identity authentication or membership authentication, which can be a contactless identity card, a driver's license, a health insurance card or a passport, wherein one of the differences with the credit card is the identity of the data stored in the memory. Certification data (member number), nationality, event records, digital images (such as photos), personal identity information such as blood type, health information, housing information, spouse information, etc. If you need to identify the identity information when you go to the administrative agency or bank or apply for insurance or mobile phone business, you can non-contact output or display the information stored in it.

The present invention provides a method for consuming a handheld communication device, comprising: implanting a contactless transaction card or a stored value card or a credit card to the handheld communication device, the contactless stored value card comprising or coupled to a signal transceiver device; The handheld communication device is adjacent to a contactless reader/writer, and the contactless signal transmitting and receiving device performs contactless transaction by electromagnetic induction or electromagnetic resonance, wherein the non-contact stored value card is independent of the user identification module card. The stored value card is integrated into the user identification module card. At least the antenna or the induction coil is disposed in the non-contact stored value card, the user identification module card, and the inside or outside of the mobile phone case can avoid the shielding effect.

A method for non-contact credit transaction, comprising: providing a contactless credit card and a contactless card reader, wherein the contactless credit card and the contactless card reader respectively comprise a signal transceiver; and the non-contact credit card is close to a non-contact The contact card reader performs non-contact transaction by electromagnetic induction or electromagnetic resonance through the non-contact signal transmitting and receiving device, wherein the contactless credit card includes an IC coupled to the corresponding signal transceiver device, and the storage card number and expiration date thereof And user information.

A non-contact method for conducting a financial transaction, comprising: providing a non-contact financial card and a non-contact cash machine, the contactless financial card and the non-contact cash machine each comprising a signal transceiver; the proximity of the non-contact financial card A non-contact cash dispenser performs contactless transaction between the non-contact signal transmitting and receiving devices by electromagnetic induction or electromagnetic resonance, wherein the non-contact financial card includes an IC coupled to the corresponding signal transceiver device for storing Bank account number, password, and account information.

The material of the antenna pattern is obtained from a copper foil or a metal alloy, and also includes an oxide having a metal, wherein some conductive materials made by this method are transparent or nearly transparent, and if the antenna is attached to glass or transparent On the substrate, it will have a visual penetration effect. The transparent material also comprises an oxide having doped alumina, the shape of which is formed by the use of a suitable mask during the formation of the transparent conductive layer.

The method of forming a transparent conductive layer comprises an ion beam method for forming a thin film structure at a low temperature, for example, the film can be formed at room temperature and has an acceptance of less than 3 x 104 ohm/cm, and a radio frequency magnetron sputtering film can also be used. Method (RF magnetron sputtered thin film method). The method of forming an antenna film such as indium tin oxide in the present embodiment can be formed in a humid air at room temperature based on cost considerations for manufacturing, and a desired pattern can be obtained at a high etching ratio. After the film is formed and patterned, it will be heated at a temperature between 180 and 220 degrees Celsius for about one to three hours to reduce the resistance of the film and increase its transmittance. Another formation method is a chemical solution coating method comprising conductive particles having an average diameter of 1 to 25 μm, cerium oxide particles having an average diameter of 1 to 25 μm, and a solvent, cerium oxide or alumina particles and The weight ratio between the conductor particles is preferably between 0.1 and 1, and the conductive particles are preferably selected from the group consisting of gold, zinc, silver, palladium, platinum, rhodium, ruthenium, copper, iron, nickel, cobalt, tin, titanium. , indium, aluminum, antimony, gallium, antimony and antimony metals. The conductive particles can be obtained by diluting one or more of the aforementioned metal concentrations by dilution in an alcohol/water mixed solvent, and the temperature in the heating zone is higher than one hundred degrees Celsius. The alumina particles can increase the electrical conductivity of the conductive film, and the conductive film coating liquid contains 0.1% to 5% by weight of metal particles. A diluent such as ferrous sulfate, trisodium citrate, tartaric acid, or sodium boron hydride may be added during the dilution process. The transparent conductive film can be obtained by applying the above liquid to a substrate and drying it to obtain a transparent conductive particle layer to form a transparent film. The substrate is then adhered to the object. Or apply directly to the object. The coating liquid for forming the transparent conductive layer is applied to the substrate by dipping, spin coating, spraying, roller coating or flexographic printing, and then from room temperature to 90 degrees Celsius. To dry the liquid, the coated film is then baked at a temperature not lower than one hundred degrees Celsius or irradiated with electromagnetic radiation.

In the above, the present invention has been described above by way of a preferred embodiment, and is not intended to limit the scope of the patent claims claimed. The scope of patent protection is subject to the scope of the patent application and its equivalent fields. Any modification or refinement made by those skilled in the art without departing from the spirit or scope of the present invention is equivalent to the equivalent change or design made in the spirit of the present disclosure, and should be included in the following patent application scope. Inside.

10. . . IC card

12. . . IC

14. . . antenna

122. . . Memory

12A. . . card number

12B. . . Effective date

12C. . . User related information

16. . . Signal input/output contact interface

10A. . . IC card

14A. . . antenna

16A. . . Signal input and output contact interface

50. . . Contactless card reader

52. . . Coil

54. . . Reader

56. . . Network interface

100. . . Non-contact cash machine

102. . . Cash output or / and input unit

104. . . control unit

105. . . Main memory

106. . . Cash storage匣

108. . . Transport device

102. . . Cash output/input unit

110. . . Contactless reader

112. . . Non-contact signal transmitting and receiving device

114. . . Contact reader

116. . . Network interface

200. . . Mobile phone

210. . . WiFi module

The above aspects, as well as the advantages of the present invention, will be readily understood by the following detailed description. among them:

The first figure is a schematic view of an IC card according to the present invention.

The second figure is a schematic diagram of a SIM according to the present invention.

The third figure is a schematic view of an automatic withdrawal device in accordance with the present invention.

The fourth figure is a schematic diagram of a non-contact transaction card configured for a mobile phone according to the present invention.

10. . . IC card

12. . . IC

14. . . antenna

122. . . Memory

12A. . . card number

12B. . . Effective date

12C. . . User related information

16. . . Signal input/output contact interface

50. . . Contactless card reader

52. . . Coil

54. . . Reader

56. . . Network interface

Claims (11)

A handheld communication device having a contactless card, the handheld communication device comprising a user identification module card, comprising: a contactless card disposed inside the handheld communication device; wherein the contactless card comprises an IC for Storing relevant information, digital signatures and digital photos stored in the handheld communication device for facilitating post-reading identification, and an induction coil coupled to the IC for facilitating contactless information transmission, wherein the contactless card includes a credit card, a financial withdrawal card, a leisure card, a stored value card, an identity authentication card or a combination thereof, wherein the contactless card is independent of the user identification module card or integrated in the user identification module card; and the induction coil is borrowed The non-contact card is powered by an external non-contact card reader by electromagnetic resonance or electromagnetic induction, and the near-field non-contact information transmission is performed with the contactless card reader through the induction coil. The hand-held communication device with a contactless card according to claim 1, wherein the contactless card is coupled to the handheld communication device to output transaction information to the display of the handheld communication device. A hand-held communication device having a contactless card according to claim 1, wherein the contactless card is coupled to the handheld communication device to exchange information through a remotely output transaction information or database. Handheld communication with contactless card as claimed in claim 1 or 2 or 3 The device, wherein the contactless card is a credit card, wherein the information of the contactless card includes a card number, an expiration date and user information, and the step comprises: wirelessly contacting the contactless card reader with the handheld communication device for non-contact type Swipe. The hand-held communication device with a contactless card according to claim 1 or 2 or 3, wherein the contactless card is a financial card, wherein the information of the contactless card includes a card number and user information, and the steps include: The handheld communication device is wirelessly in close proximity to the contactless reader for contactless financial services. The hand-held communication device with a contactless card according to claim 1 or 2 or 3, wherein the contactless card is a transaction card or a leisure card, wherein the information of the contactless card includes a card number and a stored value, and the steps thereof include : The handheld communication device is wirelessly attached to the contactless card reader for non-contact deduction or value addition. The hand-held communication device with a contactless card according to claim 1 or 2 or 3, wherein the contactless card is an identity authentication card, wherein the information of the contactless card includes nationality, digital image, personal identity related information, The step includes: wirelessly contacting the handheld communication device with the contactless card reader for information output. Handheld communication with contactless card as claimed in claim 1 or 2 or 3 The device, wherein the contactless card is an identity authentication card, wherein the information of the contactless card includes personal related information, blood type, and health information, and the step includes: wirelessly contacting the contactless card reader with the handheld communication device for information Output. A handheld communication device having a contactless card, the handheld communication device comprising a user identification module card, comprising: a contactless card disposed inside the handheld communication device; wherein the contactless card comprises an IC for Storing relevant information; wherein the identification code built into the user identification module card is identification of transaction security; an induction coil is coupled with the IC to facilitate contactless information transmission, wherein the contactless card includes a credit card, a financial withdrawal card a leisure card, a stored value card, an identity authentication card or a combination thereof, wherein the contactless card is independent of the user identification module card or integrated in the user identification module card; and the induction coil is externally The contact card reader supplies power to the contactless card by electromagnetic resonance or electromagnetic induction, and performs near field non-contact information transmission with the contactless card reader through the induction coil. A handheld communication device having a contactless card, the handheld communication device comprising a user identification module card, comprising: a contactless card disposed inside the handheld communication device; wherein the contactless card comprises an IC for The related information is stored, and the digital signature is stored in the handheld communication device to facilitate post-reading identification. An induction coil is coupled to the IC to facilitate contactless information transmission, wherein the contactless card includes a credit card and a financial withdrawal. Card, leisure card, stored value card, An identity authentication card or a combination thereof, wherein the contactless card is independent of the user identification module card or integrated in the user identification module card; and the induction coil is electromagnetically amplified by an external contactless card reader Or electromagnetic induction provides power to the contactless card, and the near-field non-contact information transmission is performed with the contactless card reader through the induction coil. A handheld communication device having a contactless card, the handheld communication device comprising a user identification module card, comprising: a contactless card disposed inside the handheld communication device; wherein the contactless card comprises an IC for The related information is stored, and the digital photos are stored in the handheld communication device to facilitate post-reading identification. An induction coil is coupled to the IC to facilitate contactless information transmission, wherein the contactless card includes a credit card and a financial withdrawal. a card, a leisure card, a stored value card, an identity authentication card or a combination thereof, wherein the contactless card is independent of the user identification module card or integrated in the user identification module card; and the induction coil is externally The contactless card reader supplies power to the contactless card by electromagnetic resonance or electromagnetic induction, and performs near field non-contact information transmission with the contactless card reader through the induction coil.