TWI795337B - Financial radio frequency identification card and system - Google Patents

Abstract

A radio frequency identification (RFID) card which is configured to store and transmit an information, wherein the information is divided into at least a first part and a second part. The RFID card comprises a first sub-card and a second sub-card. The first sub-card comprises a first antenna and a partial second antenna, wherein the first antenna has a first IC configured to store the first part of the information. The second sub-card comprises another partial second antenna, wherein the another partial second antenna has a second IC configured to store the second part of the information. The first sub-card and the second sub-card are detachably jointed with each other. The joint of the first sub-card and the second sub-card includes the first sub-card and the second sub-card being electronically connected with each other, so that the first part stored in the first IC and the second part stored in the second IC can be accessed together.

Description

Financial radio frequency identification card and system

The present invention relates to a financial radio frequency identification card and system, in particular to a detachable radio frequency identification card and system that can integrate multiple cards.

In the development of credit cards, in addition to the conventional password verification, it also includes a variety of different verification methods and their combinations, such as fingerprint verification, text message verification and email verification, or bank phone calls for abnormal consumption behaviors. The cardholder confirms, etc., to prevent the information stored in the chip of the credit card from being read and stolen by those who want to.

However, although the current verification methods have become more diverse and rigorous, credit card fraud cases still emerge in endlessly, and especially because users may hold multiple cards from different banks due to different preferential schemes launched by each bank, it is difficult to use Not only is it inconvenient to integrate, but also the credit card is more likely to be stolen by those who are interested in obtaining the credit card. Therefore, there is still a need for a method that allows users to integrate multiple cards and prevents the credit card from being easily read by non-cardholders or changing the information stored in the chip.

In view of the above, the present invention provides a financial radio frequency identification card and system to meet the above needs, so as to prevent the credit card from being easily read by non-cardholders or changing the information stored in the chip. In addition, according to one or more embodiments of the radio frequency identification card and system of the present invention, the cardholder can achieve the purpose of integrating multiple cards by rewriting the content stored in the chip.

A financial radio frequency identification card according to an embodiment of the present invention is used to store and transmit a data, wherein the data is at least divided into a first part and a second part, The radio frequency identification card includes: a first sub-card, including a first antenna and a first part of the antenna, wherein the first antenna has a first chip and a metal loop circuit, and the first chip is electrically connected In the metal loop circuit, and the first chip is used to store the first part of the data, wherein the first part includes an identity data associated with a user; and a second daughter card includes a second part of the antenna , wherein the second portion of the antenna has a second chip, the second chip is used to store the second portion of the data, wherein the second portion includes a financial data associated with the second daughter card, wherein the first The sub-card and the second sub-card are detachably combined, and the first sub-card and the second sub-card are combined to electrically connect the first part of the antenna and the second part of the antenna to form a second antenna for transmission The second part stored on the second chip, and the first part and the second part stored on the first chip and the second chip can be read in combination, wherein the second antenna is connected by another metal back loop circuit and the second chip, the first part of the antenna is a part of the metal circuit of the other metal loop circuit, the second part of the antenna is another part of the metal circuit of the other metal loop circuit, and the second chip Electrically connected to the other part of the metal circuit.

A financial radio frequency identification system according to an embodiment of the present invention is used to store and transmit a data, wherein the data is at least divided into a first part and a second part, the radio frequency identification system includes: a first sub-card , including a first antenna, wherein the first antenna has a first chip and a metal loop circuit, the first chip is electrically connected to the metal loop circuit, and the first chip is used to store the data The first part, wherein the first part includes an identity data associated with a user; a second sub-card, at least includes a second part antenna of a second antenna, wherein the second part antenna has a second a chip, the second chip is used to store at least the second part of the data, wherein the second part includes a financial data associated with the second daughter card; a mobile device stores the second part of the data; and a reader, electrically connected to the mobile device, wherein the first daughter card and the second daughter card are detachably combined, and the mobile device writes the second part into the first daughter card through the reader Two chips, and a first part of the second antenna is set on the first daughter card, wherein the The second antenna is composed of another metal loop circuit and the second chip, the first part of the antenna is a part of the metal circuit of the other metal loop circuit, and the second part of the antenna is a part of the other metal loop circuit Another part of the metal circuit and the second chip are electrically connected to the other part of the metal circuit.

The above description of the disclosure and the following description of the implementation are used to demonstrate and explain the spirit and principle of the present invention, and provide a further explanation of the patent application scope of the present invention.

1, 1': the first child card

10: The first antenna

2, 2': the second child card

20, 20': second antenna

21: The first part of the antenna

22: The second part of the antenna

211: The first port

212: Second port

221: The third port

222: The fourth port

3:Mobile device

4: Reader

41: Read and write antenna

C1: first chip

C2: second chip

J1: the first junction

J2: the second junction

1A and 1B are schematic diagrams of a financial radio frequency identification card according to an embodiment of the present invention.

2A and 2B are schematic diagrams of a financial radio frequency identification system according to another embodiment of the present invention.

The detailed features and advantages of the present invention are described in detail below in the implementation mode, and its content is enough to make any person familiar with the related art understand the technical content of the present invention and implement it accordingly, and according to the content disclosed in this specification, the scope of the patent application and the drawings , anyone skilled in the art can easily understand the purpose and advantages of the present invention. The following examples are to further describe the concept of the present invention in detail, but not to limit the scope of the present invention in any way.

Please refer to FIGS. 1A and 1B . FIGS. 1A and 1B are schematic diagrams of a financial radio frequency identification (Radio Frequency Identification, RFID) card according to an embodiment of the present invention.

The radio frequency identification card of the present invention is preferably used to store and transmit data, and the radio frequency identification card can be used in various financial and identity-related cards such as financial cards, credit cards, and cash cards. limit. The radio frequency identification card of the present invention includes a first sub-card 1 and a second sub-card 2, and the first sub-card 1 shown in FIGS. 1A and 1B and the second sub-card 2 are detachably combined with each other. Wherein, FIG. 1A is a schematic diagram showing that the first sub-card 1 and the second sub-card 2 are separated from each other (not combined); FIG. 1B is a schematic diagram showing that the first sub-card 1 and the second sub-card 2 are combined with each other.

In detail, the first daughter card 1 includes a first antenna 10 and a first partial antenna 21, wherein the first antenna 10 includes a metal loop circuit and a first chip C1, and the first partial antenna 21 is a part of the metal loop circuit Metal circuit; the second daughter card 2 includes a second part of the antenna 22, and the second part of the antenna 22 includes another part of the metal circuit of the metal loop circuit and the second chip C2, wherein part of the metal circuit of the first part of the antenna 21 and the second Another part of the metal circuit of the antenna 22 can be electrically connected to form a metal loop circuit together, and the metal loop circuit and the second chip C2 form the second antenna 20 .

In detail, the metal lines of the first part of the antenna 21 are preferably several metal wire segments, one end of each metal wire segment jointly forms the first connection port 211 , and the other end of each metal wire segment jointly forms the second connection port 212 . The metal lines that the second part antenna 22 has are also preferably several metal line segments, and among these metal line segments, the outermost and innermost two metal line segments each have one end connected to the second chip C2, and one end of the other metal line segments is connected to the outermost one. The other ends of the metal line segments jointly form the third connection port 221 , and the other ends of the other metal line segments and the other end of the innermost metal line segment jointly form the fourth connection port 222 . Thus, when the first connecting port 211 is electrically connected to one of the third connecting port 221 and the fourth connecting port 222, and the second connecting port 212 is electrically connected to one of the third connecting port 221 and the fourth connecting port 222 When the other one is used, the metal lines of the first part antenna 21 and the metal lines of the second part antenna 22 can jointly form a spiral metal loop circuit, and then for transmitting or receiving electromagnetic waves, so as to carry out the second chip C2 Reading or writing of digital data.

In addition, the first sub-card 1 preferably includes a first joint J1, and the second sub-card 2 preferably includes a second joint J2, so combining the first sub-card 1 with the second sub-card 2 further includes connecting the first joint J1 and the second joint portion J2 are detachably engaged with each other, so as to make the structure of the first sub-card 1 and the second sub-card 2 more stable when they are combined. In detail, the first joint part J1 and The second joint portion J2 is a fastener installed on the first sub-card 1 and the second sub-card 2 respectively. Therefore, when the first sub-card 1 is combined with the second sub-card 2 (as shown in FIG. 1B ), the columnar portion of the first joint J1 will engage in the hollow column of the second joint J2, and the first The connecting port 211 is electrically connected to one of the third connecting port 221 and the fourth connecting port 222, and the second connecting port 212 is electrically connected to the other of the third connecting port 221 and the fourth connecting port 222. By. In this embodiment, when the first daughter card 1 and the second daughter card 2 are in a combined state, they can be formed into a single flat plate; and when the first daughter card 1 and the second daughter card 2 are in a separated state, the first daughter card 2 A surface of the sub-card 1 can be overlapped with a surface of the second sub-card 2, thereby reducing the maximum surface area of the radio frequency identification card of the present invention compared with the combined state, so as to achieve the purpose of more convenient storage.

Wherein, the implementation of the first joint part J1 and the second joint part J2 shown in this embodiment is only an example, which means that the first joint part J1 and the second joint part J2 are not as shown in Figures 1A and 1B. Fasteners are limited.

Therefore, when the first daughter card 1 and the second daughter card 2 are combined, the first chip C1 and the second chip C2 can be read and written by the reader (RFID reader), which means that the first part and the second part can be read The writer writes to the first chip C1 and the second chip C2 at the same time; or the first part and the second part can be combinedly read by the reader.

The above-mentioned first chip C1 of the first daughter card 1 and the second chip C2 of the second daughter card 2 are used to store the first part and the second part of the data. In other words, the data is at least divided into a first part and a second part, the first chip C1 may be the first part for storing data, and the second chip C2 may be the second part for storing data. Wherein the first part is preferably associated with a user's identity data, such as at least one or Its combination; the second part is preferably the financial information associated with the second sub-card 2, such as the transaction records of the second sub-card 2, credit card number, security code, card issuance date, expiration date, password and serial number At least one or a combination thereof, but the present invention is not limited thereto.

Therefore, when the first sub-card 1 is stolen, the thief can only read the identity information of the cardholder; Two parts, and because the thief does not have the identity information of the cardholder, it is even more impossible to steal cash or engage in other financial thefts only with the financial information stored in the second sub-card 2.

Please refer to FIGS. 2A and 2B , wherein FIGS. 2A and 2B are schematic diagrams of a financial radio frequency identification system according to another embodiment of the present invention.

The radio frequency identification system shown in FIGS. 2A and 2B includes a mobile device 3 and a reader (Reader) 4 in addition to the radio frequency identification card shown in FIGS. 1A and 1B . The second antenna 20 of the radio frequency identification card shown in FIGS. 2A and 2B also includes a first part antenna 21 and a second part antenna 22 .

Please refer to FIG. 2A first. The radio frequency identification card includes a first sub-card 1 and a second sub-card 2. If the first part of the antenna 21 of the second antenna 20 is set on the first sub-card 1, its implementation is as shown in the above figure. As shown in 1A and 1B, it means that when the first part of the antenna 21 and the second part of the antenna 22 are electrically connected to each other, the second chip C2 can be read or written into digital data, and preferably by the mobile device 3 The second part of the data is written into the second chip C2 by the reader-writer 4 through the read-write antenna 41 , but the present invention is not limited thereto. And if the first part of the antenna 21 is disposed on the second daughter card 2, the metal loop of the second antenna 20 is preferably integrally formed.

Please continue to refer to Figures 2A and 2B, the mobile device 3 shown in Figures 2A and 2B can write the second part of the data into the second chip C2 through the reader 4, wherein the reader 4 is a pluggable ground Sexually connected to the mobile device3.

Therefore, if the first part of the antenna 21 is installed on the first daughter card 1 as shown in FIG. 2A, and the second part of the antenna 22 is arranged on the second daughter card 2, when the first daughter card 1 and the second daughter card 2 are combined to The first part antenna 21 and the second part antenna 22 are electrically connected to each other, and when the second antenna 20 is within the signal transmission range of the read-write antenna 41, the reader-writer 4 can The content stored in the second chip C2 is read and written by the read-write antenna 41 . In other words, the mobile device 3 can use the reader 4 to write the second part of the data into the second chip C2, update the second part stored in the second chip C2, or rewrite the second part of the data into the second part of the data A third part, wherein the third part is, for example, financial data different from that of the second part, which means that the second part and the third part are preferably financial data of different banks respectively.

Similarly, please refer to FIG. 2B, the radio frequency identification card shown in FIG. 2B includes a first sub-card 1' and a second sub-card 2', if the first part of the antenna 21 and the second part of the antenna 22 of the second antenna 20' If it is installed on the second sub-card 2', then when the first sub-card 1' and the second sub-card 2' are within the signal transmission range of the read-write antenna 41, the reader-writer 4 can read-write antenna 41 to And read and write the content stored in the first chip C1 and the second chip C2, the mobile device 3 can also write the second part of the data into the second chip C2 through the reader-writer 4, and update the second chip stored in the second chip C2. part, or rewrite the second part of the data into the third part of the data.

Accordingly, the user can rewrite the content stored in the second chip C2 by operating the mobile device 3 , and can still carry out financial transactions and other activities in different banks without carrying multiple cards. In addition, the mobile device 3 can also update the first part stored in the first chip C1 through the reader/writer 4, and the present invention is not limited thereto.

To sum up, according to one or more embodiments of the radio frequency identification card and system of the present invention, the credit card can be prevented from being easily read by non-cardholders or the information stored in the chip can be changed. In addition, according to one or more embodiments of the radio frequency identification card and system of the present invention, the cardholder can also use the mobile device to rewrite the content stored in the chip through the reader to achieve the purpose of integrating multiple cards.

Although the present invention is disclosed by the aforementioned embodiments, they are not intended to limit the present invention. Without departing from the spirit and scope of the present invention, all changes and modifications are within the scope of patent protection of the present invention. For the scope of protection defined by the present invention, please refer to the appended scope of patent application.

1 first child card 10 first antenna 2 second child card 20 second antenna 21 The first part of the antenna 22 The second part of the antenna 211 First port 212 Second port 221 third port 222 Fourth port C1 first chip C2 second chip J1 first junction J2 Second junction

Claims (10)

A financial radio frequency identification card for storing and transmitting a data, wherein the data is at least divided into a first part and a second part, the radio frequency identification card includes: a first sub-card, including a first antenna and a first part of the antenna, wherein the first antenna has a first chip and a metal loop circuit, the first chip is electrically connected to the metal loop circuit, and the first chip is used to store the data A first part, wherein the first part includes an identity data associated with a user; and a second sub-card, including a second part antenna, wherein the second part antenna has a second chip, and the second chip is used for storing the second portion of the data, wherein the second portion includes a financial data associated with the second sub-card, wherein the first sub-card and the second sub-card are detachably coupled, the first sub-card combined with the second daughter card to electrically connect the first part of the antenna and the second part of the antenna to form a second antenna for transmitting the second part stored in the second chip, and the first chip and the second part of the antenna The first part and the second part stored in two chips can be read in combination, wherein the second antenna is composed of another metal loop circuit and the second chip, and the first part antenna is the other metal loop A part of the metal circuit of the loop circuit, the second part of the antenna is another part of the metal circuit of the other metal loop circuit, and the second chip is electrically connected to the other part of the metal circuit. The financial radio frequency identification card as claimed in claim 1, wherein the other metal loop circuit is a spiral metal loop circuit. The financial radio frequency identification card as claimed in claim 1, wherein the other part of the metal line of the second part of the antenna is a plurality of metal line segments, and the outermost and innermost two metal line segments among the metal line segments each have an end connection the second wafer. The financial radio frequency identification card as described in Claim 1, wherein the identity information includes at least one of a name, a gender, a phone number, a date of birth, a household registration address and an ID number associated with the user one. The financial radio frequency identification card as described in claim 1, wherein the financial information includes a transaction record associated with the second sub-card, a credit card number, a security code, a card issuance date, an expiration date, a password and At least one of a serial number. The financial radio frequency identification card as described in claim 1, wherein the first sub-card further includes a first coupling portion, the second sub-card further includes a second coupling portion, the first sub-card and the second sub-card The cards are detachably combined with each other through the first combining portion and the second combining portion. A financial radio frequency identification system for storing and transmitting a data, wherein the data is at least divided into a first part and a second part, the radio frequency identification system includes: a first sub-card, including a first antenna , wherein the first antenna has a first chip and a metal loop circuit, the first chip is electrically connected to the metal loop circuit, and the first chip is used to store the first part of the data, wherein the The first part includes an identity data associated with a user; a second sub-card at least includes a second part antenna of a second antenna, wherein the second part antenna has a second chip, and the second chip is used for to store at least the second part of the data, wherein the second part includes a financial data associated with the second sub-card; a mobile device stores the second part of the data; and a reader, electronic Sexually connected to the mobile device, wherein the first sub-card and the second sub-card are detachably combined, the mobile device writes the second part into the second chip through the reader, and the second A first part of the antenna is set on the first daughter card, wherein the second antenna is composed of another metal loop circuit and the second chip, and the first part of the antenna is a part of the other metal loop circuit The metal circuit, the second part of the antenna is another part of the metal circuit of the other metal loop circuit, and the second chip is electrically connected to the other part of the metal circuit. The financial radio frequency identification system as claimed in item 7, wherein the other metal loop circuit is a spiral metal loop circuit. The financial radio frequency identification system as described in claim 7, wherein the other part of the metal line of the second part of the antenna is a plurality of metal line segments, and the outermost and innermost two metal line segments among the metal line segments each have a terminal connection the second wafer. The financial radio frequency identification system as described in claim 7, wherein the first sub-card further includes a first coupling portion, the second sub-card further includes a second coupling portion, the first sub-card and the second sub-card The cards are detachably combined with each other through the first combining portion and the second combining portion.

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