WO2018206927A1

WO2018206927A1 - Multi-layer film assembly suitable for use in a multi-layer card

Info

Publication number: WO2018206927A1
Application number: PCT/GB2018/051222
Authority: WO
Inventors: Shane ASHBY; Emily PARNHAM; Felicity CHILD; Mark Hodgson
Original assignee: DuPont Teijin Films US LP
Current assignee: Mylar Specialty Films US LP
Priority date: 2017-05-08
Filing date: 2018-05-08
Publication date: 2018-11-15
Anticipated expiration: 2019-11-08
Also published as: US20200070486A1; KR20200005733A; EP3634746A1; CN110621502A; EP3634746B1; JP7250002B2; JP2020519511A; GB201707361D0; KR102540603B1

Abstract

A muiti-iayer film comprising: (i) a polyester base layer (B) having a first and second surface wherein the polyester of the base layer is a crystals isabie polyester; and (ii) a heat-sealabie copolyester Iayer (A) disposed on one or both surfaces of said polyester base layer (B); wherein the polyester base iayer (S) comprises titanium dioxide particles in an amount of from about 1 to about 30 wt% by total weight of the base iayer, wherein said particles are coated with an organic coating; and a muiii-layer card comprising said muiii-layer film, a polymeria inlay layer and a polymeric overlay layer such that the layer order is poiymeric inlay iayer, first multi-layer film and first polymeric overlay layer.

Description

MULTI-LAYER Filfifl ASSEMBLY SUITABLE FOR USE IN A fiflULTi-LAYER CARD

This invention relates to a multi-layer film suitable for use in a multi-layer card such as an identification, credit or magnetic card, and further relates to the multi-layer card itself.

Polyester films, such as polyethylene terephthalate (PET) films, have been widely used in the production of an identification card or magnetic card, such as a credit card, and including pre-paid cards such as travel or telephone cards, and "smart" cards such as cards capable of storing information about financial transactions. Such cards are usually constructed of muitipie sheets of the same or different polymeric materials, including polyesters (such as PET), polycarbonate, polyolefin, polyvinyl chloride (PVC), ABS (acrylonitriie butadiene styrene) and paper. The cards are iypically opaque and contain at least one opaque layer.

US patents 7,785,680 and 7,232,602 disclose multi-layer cards containing a multi-layer film which comprises a polyester base layer, a copoiyester heat-seaiable layer disposed on the first side of the base layer, and a printable layer (for instance, an ink-receptive layer) disposed on the second side of the base layer. Preferably, the copoiyester of the heat-seaiable layer is derived from terephthalic acid, isophthalic acid (IPA) and ethylene glycol (hereinafter referred to as PET-IPA copoiyester). The polyester base layer comprises a copolyesterether in order to reduce the tendency of the card to delaminate in use. In conventional cards, the multi-layer film is adhered to one or both sides (typically both sides) of a polymeric core layer (also referred to as an Inlay") via said copoiyester heat-seaiable layer, i.e. so that the engraveabie/ptintable layer is exposed or outward-facing. The inlay is typically PVC, but may also be, for example, polycarbonate, poSyolefin or ABS, An adhesive is typically interposed between the inlay and the copoiyester heat-seaiable layer of the multi-layer film in order to achieve the required adhesion.

In the use of the cards described in US patents 7,785,680 and 7,232,802, information is imparted to the printable layer, by a suitable printing technique. Typically, the cards are then generated after printing by punching the card shape from a printed sheet. The cards are finished with a protective cover layer (also referred to as an "overlay") to provide protection, Including security, to the printable layer and the information contained thereon. The overlay may also function as an engraveable layer, particularly a laser-engraveable layer, which is capable of carrying additional information. Laser-engraving techniques and equipment are well-known in the art. The overlay is typically PVC, but may also be, for example, polycarbonate, polyolefin or ABS, An adhesive is typically interposed between the overlay and the multi-layer film, and this is usually achieved by virtue of an adhesive coating on one surface of the overlay, in order to achieve the required adhesion. Conventional cards of the sort described above can be susceptible io deiamination, which is problematic in itself and also reduces the durability, security and tamper-resistance of the card, An object of the present invention is to improve the deiamination resistance of the card and the multi-layer films which constitute the card, and hence improve durability, security and tamper- resistance of the card. Furthermore, the present inventors have also observed that the plane of failure during deiamination of conventional cards is typically within the polyester base layer of the multi-layer film(s) present in the card. An object of the present invention is to reduce or eliminate cohesive failure in the polyester base layer, i.e. to increase the cohesive strength of the polyester base layer, thereby increasing the deiamination resistance of the multi-layer fiim and card. A further object of the present invention is to improve the deiamination resistance of the card while maintaining excellent optical properties such as high opacity , high whiteness and low yellowness, i.e. without significant detriment to the optical properties of the card,

According to a first aspect of the present invention, there is provided a multi-layer film comprising:

(i) a polyester base layer (B) having a first and second surface wherein the polyester of the base layer is a crystaSlisabSe polyester; and

(ii) a heat-sealable copoSyester layer (A) disposed on one or both surfaces of said polyester base layer (B),

wherein the polyester base layer (B) comprises titanium dioxide particles in an amount of from about 1 to about 30 wt% by total weight of the base layer, wherein said particles are coated with an organic coating. The present inventors have unexpectedly found that the multi-layer films and cards of the present invention exhibit superior deiamination resistance, and hence improved security and tamper- resistance, while simultaneously exhibiting excellent optical properties. The multi-layer film of the present invention further exhibits superior cohesive strength within the polyester base layer, thereby improving deiamination resistance and hence the durability, security and tamper- resistance of the multi-layer card.

The multi-layer film is a self-supporting film or sheet by which is meant a fiim or sheet capable of independent existence in the absence of a supporting base. The polyester base layer (B) is preferably uniaxially or biaxtally oriented, preferably biaxial ly oriented. As discussed below, orientation is effected by stretching the film in one or two directions ). The stretching step(s) is/are preferably conducted on the multi-layer film comprising said base layer and said copolyester layers.

The polyesters which make up the multi-layer film are typicaiiy synthetic linear polyesters. The polyesters are suitably thermoplastic polyesters. Suitable polyesters are obtainable by condensing one or more dicarboxylic acid(s) or their lower alkyl (up to 6 carbon atoms) diesiers with one or more diols. The dicarboxylic acid component contains at least one aromatic dicarboxylic acid, which is preferably terephthalic acid (TA), isophthalic add (SPA), phthaiic acid, 1 ,4-, 2,5-, 2,6- or 2,7-naphthalenedicarboxylic acid, and is preferably terephthalic add or 2,6- naphfbalenedicarboxyiic acid, and preferably terephthalic acid. The polyester may also contain one or more residues derived from other dicarboxyiic acids such as 4,4'-diphenyldicarboxylic acid, hexahydro-terephihalic acid, 1 ,10-decanedicarboxylic add, and aliphatic dicarboxylic acids including those of the general formula Cr,H_2n,(COOH)2 wherein n is 2 to 8, such as succinic acid, glutaric acid sebacic acid, adipic acid, azelaic acid, suberic acid or pimelic acid. The diols are preferably selected from aliphatic and cycioaiiphatic glycols. Preferably, the aliphatic glycol has from 2 to 4 carbon atoms and is suitably a straight chain dioi, such as ethylene glycol (EG), 1,3- propanediol or 1 ,4-butanedioS. Preferably the cycioaiiphatic glycol contains a single ring, preferably a 6-membered ring, and is preferably 1 ,4-cyciohexanedimethanol (CHDSVt). Preferably the glycol is selected from ethylene glycol (EG) and 1,4~cyciohexanedimethanoS. The film-forming polyester resin is the major component of a polyester layer of the multi-layer film, and makes up at least 50% by weight of the total weight of a given layer, preferably at least 65%, typicaiiy at least 80%, more typically at least 85% by weight of the total weight of a given layer.

The polyester of the polyester base layer (B) is a crystallisable polyester. The polyester of the base layer (8) is preferably derived from the carboxyilc acids (preferably the aromatic dicarboxyiic acids) and glycols described above. Preferably the polyester of the base layer (B) contains only one dicarboxylic acid, preferably an aromatic dicarboxylic acid, preferably terephthalic acid or 2,6- naphthalenedicarboxylic acid, and preferably terephthalic acid. Preferably the polyester of the base layer (B) contains only one glycol, preferably an aliphatic glycol, preferably ethylene glycol Preferably the polyester contains one aromatic dicarboxyiic acid and one aliphatic glycol. Polyethylene terephthaiate (PET) or polyethylene 2,6-naphihaSate (PEN), particularly PET, is the preferred polyester of the base layer (B). The polyester of the base layer (B) may optionally contain relatively minor amounts of one or more residues derived from the other dicarboxylic acids and/or diols described above, and where such minor amounts are present then the total amount of said other dicarboxylic acid(s) is preferably less than 10 moi%, preferably less than 5 mol%, preferably less than 1 mol% of the total dicarboxylic acid fraction of the polyester of the base layer and/or the total amount of said other diol(s) is preferably less than 15 mol%, preferably less than 10 mol%, preferably less than 5 mol% of the total diol fraction of the polyester of the base layer. The aforementioned polyester is the major component of the base layer (B) and makes up at least 50% by weight of the total weight of the layer, preferably at least 65%, typically at least 70% or at least 80% by weight of the total weight of the layer.

The intrinsic viscosity of the polyester from which the base layer (B) is manufactured is preferably at least about 0.60, preferably at least about 0.61 , preferably no more than about 0.70.

The base layer (B) preferably comprises a copoiyesterether. The copoiyesterether is preferably a block copolymer. The block copoiyesterether predominantly comprises at least one polyester block (referred to herein as a "hard" segment), and at least one polyether block (referred to herein as a "soft" segment), as described in US-7,232,802. The ratio of hardisoft biock in the copoiyesterether is preferably in the range from 10-95 : 5-90, more preferably 25-55 : 45-75, and particularly 35-45 : 55-65 hard:saft, by weight % of the copoiyesterether. The hard polyester biock of the copoiyesterether is suitably formed by condensing one or more dscarboxylic acids, or ester derivatives or ester forming derivatives thereof, with one or more glycols. The dscarboxylic acid or derivative thereof may be aliphatic, cydoaliphatic or aromatic. Suitable aliphatic or cydoaliphatic dicarboxyiic acids include 1 ,3- or 1 ,4-cyciohexane dicarboxyiic, adipic, glutaric, succinic, carbonic, oxalic and azeiaic acids. Aromatic dicarboxylic acids are preferred and include terephthaiic, isophthalic, phthaiic, bibenzoic and naphthalenedicarboxylic acids, and the dimethyl derivatives thereof. The glycol component may also be aliphatic, cydoaliphatic or aromatic. The glycol is preferably aliphatic or cydoaliphatic. Suitable glycols include ethylene glycol, 1 ,3-propanediol, 1 ,4-butanediot, neopentyl glycol, 1 ,6~hexanediof and 1 ,4-cyciohexane dimethanol. Terephthaiic acid is a preferred aromatic dicarboxyiic acid. Butylene giycol is a preferred glycol. The polyester biock suitably predominantly comprises (and preferably consists of) at least one alkylene terephthafate, for example ethylene terephthalate, butyiene terephthalate and/or hexylene terephthalate. Butyiene terephthalate is particularly preferred. The molecular weight (Mw) of the polyester block is preferably less than 15,000, more preferably in the range from 440 to 10,000, particularly 660 to 3000, and especially 880 to 1500. Molecular weight determination may be conducted on a Hewlett-Packard 1050 Series HPLC system equipped with two GPC Ultrastyragei columns, 10³ and 10⁴ A (5 m μmixed, 300 mm x 19 mm, Waters Miliipore Corporation, Milford, MA, USA) and THF as mobile phase. The molecular weight is calculated by comparison with the retention times of polystyrene standards. The soft polyether block of the copoiyesterether is a polymeric glycol suitably formed from one or more glycols such as ethylene glycol, 1 ,2- or 1 ,3-propanediol, 1 ,4-butanedioi, neopentyl glycol, 1 ,6-hexanedioi and 1 ,4-cyclohexane dimethanol. The polyether biock is preferably a poly(alkyiene oxide) glycol, for example polyethylene oxide) glycol, poly{1_s2- and 1 ,3-propyiene oxide) glycol, polyftetramethylene oxide) glycol, and random or block copolymers of ethylene oxide and propylene oxide. Poly(tetramethylene oxide) glycol is a preferred component of the polyether biock. The molecular weight (Mw; measured as noted above) of the polyether biock (preferably poly(tetramethylene oxide) glycol) is preferably in the range from 350 to 10,000, more preferably 600 to 5000, particularly 900 to 2000, and especially 1200 to 1800. In a particularly preferred embodiment, the copolyesterether comprises as the polyether block, a mixture of poiy(tetramethyiene oxide) glycol and poly(propylene oxide) glycol, suitably in a ratio of from 1 to 20:1 , preferabiy 5 to 15:1 , and more preferabiy 8 to 12:1. The molecular weight (Mw) of the polyi propylene oxide) glycol is preferabiy in the range from 1000 to 5000, more preferably 2000 to 3000.

The copoiyesterethers can be prepared by conventional polymerisation techniques. The copolyesterether is preferably dried prior to film formation and/or prior to incorporation in the composition of the base layer (B), The copolyesterether may be dried in isolation, or after mixing with one or more of the other components of the base layer, e.g. dried after mixing with any opacifying agent present in the base layer (which is discussed nereinbelow). The copolyesterether may be dried by conventional means, for example in a ftuidised bed, or in an oven, at elevated temperature, under vacuum or by passing through an inert gas, e.g. nitrogen. The water content of the copolyesterether prior to extrusion of the film-forming base layer composition is preferably in the range from about 0 to about 800 ppm, preferabiy from about 25 to about 600 ppm, more preferably from about 50 to about 400 ppm, particularly from about 100 to about 300 ppm, and especially from about 150 to about 250 ppm.

The amount of copolyesterether present in the base layer (B) is preferabiy in the range from 0.2 to 30, preferabiy from 1 to 20, preferably from 1 to 15, preferabiy from 1 to 12, preferably from 1 to 10, preferably at least 3, particularly at least 5, and preferabiy at least 6 % by weight, relative to the total weight of the base layer (B).

The copolyesterether preferabiy has a flexural modulus (measured at 23°C. according to ASTM D790) of 200 MPa or less, and more preferably in the range from 50 to 100 MPa. In addition, preferred copoiyesterethers have a Shore hardness (measured at 23°C. on the D scale according to DIN 53505) of 60 or less, particularly in the range from 35 to 45.

A heat-sealable copolyester iayer (A) preferably comprises a copoiyester selected from copoiyesters derived from one or more dioi(s) and one or more dicarboxylic acid(s), wherein the copolyesier comprises at ieast three different types of monomenc repeatsng units. Preferably, the aliphatic diol{s) and dicarboxylic acsd{s) are selected from the dicarboxylic acids and diols described above. The copolyester is preferably selected from (i) copoiyesters comprising and preferably consisting of a first aromatic dicarboxylic acid, a second aromatic dicarboxylic acid and an aliphatic glycol; (ii) copoiyesters comprising and preferably consisting of a first aromatic dicarboxylic acid, an aliphatic glycol and a cydoaliphatic glycol; and {lit} copoiyesters comprising and preferably consisting of an aromatic dicarboxylic acid, an aliphatic dicarboxylic acid and an aliphatic glycol, The acids and glycols are preferably those described hereinabove. This copolyester is preferably derived from repeating units consisting of a first aromatic dicarboxylic acid, a second aromatic dicarboxyiic acid and an aliphatic glycol; and is preferably derived from repeating units consisting of TA, IPA and EG. Where said copolyester consists of said acid(s) and diol(s), the copolyester may optionally contain relatively minor amounts of one or more different residues derived from the other dicarboxylic acids and/or diols described above, and where such minor amounts are present then the total amount of said other dicarboxylic acid(s) is preferably less than 10 mol%, preferably less than 5 mol%, preferably less than 1 mol% of the total dicarboxylic acid fraction of the copolyester and/or the total amount of said other dioi{s) is preferably less than 10 mol%, preferably less than 5 mol%, preferably less than 1 moS% of the total diol fraction of the copolyester; but preferably the copolyester does not contain said one or more different residues. Where the copolyesier is derived from repeating units consisting of first aromatic dicarboxylic acid, a second aromatic dicarboxylic acid and an aliphatic glycol {preferably TA, IPA and EG), the second aromatic dicarboxylic acid (preferably SPA) is preferably present in an amount of from about 5 to about 30 mol%, preferably from about 10 to about 25 mol% and preferably from about 15 to about 20 mol% of the acid fraction of the copolyester. The copoiyester of the heat-seaiable copolyester layer (A) is the major component of the layer, and makes up at least 50% by weight of the total weight of the layer, preferably at ieast 65%, preferably at ieast 80%, preferably at least 90%, more typically at Ieast 95% by weight of the totai weight of the layer.

The intrinsic viscosity (IV) of the copolyester from which the heat-seaiable layer (A) is manufactured is preferably at Ieast about 0.65, preferably at Ieast about 0.68, preferably at least about 0.70, and preferably no more than about 0.85, preferably no more than about 0.80. if the IV is too high, this may give rise to poor film profile and difficulties in processing and manufacturing the film.

Where a heat-sea labie copolyester layer is disposed on one or both surfaces of said polyester base layer (B), the copolyester layers are referred to herein as a first heat-seaiable copolyester layer (A1), which is disposed on the first surface of the polyester base layer (B), and a second heat-seaiable copoiyester layer (A2), which is disposed on the second surface of the polyester base layer (B). In such embodiments, the copolyester of the first heat-sealabie layer (A1 ) may be the same as or different to the copolyester of the second heat-seaiabte layer (A2) but preferably the same copolyester is used for the first and second heat-seaiabte layers (A1 ) and (A2). A symmetrical iayer structure is preferred.

It is preferred that the multi-layer film comprises a first heat-seaSable copolyester iayer (Ai) disposed on a first surface of said polyester base layer, and a second heat-sealable copolyester Iayer (A2) disposed on a second surface of said polyester base Iayer. Formation of the polyesters described hereinabove is conveniently effected in a known manner by condensation or ester interchange, generally at temperatures up to about 295 °C. In a preferred embodiment, solid state polymerisation may be used to increase the intrinsic viscosity of crystal Sisable polyesters to the desired value, using conventional techniques well-known in the art, for instance using a fiuidised bed such as a nitrogen fiuidised bed or a vacuum fiuidised bed using a rotary vacuum drier. In the following description of polymer and film manufacture, it will be understood that the term "polyester" includes "copolyester".

Formation of the multi-layer polyesier film of the present invention may be effected by conventional techniques, including co-extrusion, lamination and coating techniques well-known in the art, and most preferably by co-extrusion, fn general terms, the co-extrusion process comprises the steps of co-extruding the respective polyester compositions through independent orifices of a multi-orifice die, and thereafter uniting the sfiii molten layers or, preferably, by single- channel co-extrusion in which molten streams of the respective polyesters are first united within a channel leading to a die manifold, and thereafter extruded together from the die orifice under conditions of streamline flow without intermixing thereby to produce a laminated film. Thus, the multi-layer film is preferably a co-extruded multi-layer film, i.e, the polyester base Iayer (8) and the heat-seaiable copolyester layer(s) are co-extruded. The extrusion is generally carried out at a temperature within the range of from about 250 to about 300^*0, and is followed by quenching the extrudate and orienting the quenched exirudate. Orientation may be effected by any process known in the art for producing an oriented film, for example a tubular or flat film process. Biaxial orientation is effected by drawing in two mutually perpendicular directions in the plane of the film to achieve a satisfactory combination of mechanical and physical properties. In a tubular process, simultaneous biaxial orientation may be effected by extruding a thermoplastics polyester tube which is subsequently quenched, reheated and then expanded by internal gas pressure to induce transverse orientation, and withdrawn at a rate which wiil induce longitudinal orientation. In the preferred flat film process, the film-forming polyester is extruded through a slot die and rapidly quenched upon a chilled casting drum to ensure that the polyester is quenched to the amorphous state. Orientation is then effected by stretching the quenched extrudate in at least one direction at a temperature above the glass transition temperature of the polyester. Sequential orientation may be effected by stretching a fiat, quenched extrudate firstly in one direction, usually the longitudinal direction, i.e. the forward direction through the film stretching machine, and then in the transverse direction. Forward stretching of the extrudate is conveniently effected over a set of rotating rolfs or between two pairs of nip rolls, transverse stretching then being effected in a stenter apparatus. Stretching is generally effected so that the dimension of the oriented film is from 2 to 5, more preferably 2.5 to 4,5 times its original dimension in the or each direction of stretching. Typically, stretching is effected at temperatures higher than the Tg of the poiyesier, preferably about 15 X higher than the Tg. Greater draw ratios (for example, up to about 8 times) may be used if orientation in only one direction is required, it is not necessary to stretch equally in the machine and transverse directions although this is preferred if balanced properties are desired. The stretched film may be, and preferably is, dimenstonally stabilised by heat-setting under dimensional support at a temperature above the glass transition temperature of the polyester but below the melting temperature thereof, to induce the desired crystallisation of the polyester. During the heat-setting, a smali amount of dimensional relaxation may be performed in the transverse direction (TD) by a procedure known as "toe-in". Toe-in can involve dimensional shrinkage of the order 2 to 4% but an analogous dimensional relaxation in the process or machine direction (MD) is difficult to achieve since low iine tensions are required and film control and winding becomes problematic. The actual heaf~set temperature and time will vary depending on the composition of the film and its desired final thermal shrinkage but should not be selected so as to substantially degrade the toughness properties of the film such as tear resistance. Within these constraints, a heat set temperature of about 180 to 245^C,C is generally desirable. After heat- setting the film is typically quenched rapidly in order induce the desired crystal linity of the polyester.

The film may be further stabilized through use of an in-line relaxation stage. Alternatively the relaxation treatment can be performed off-line. In this additional step, the film is heated at a temperature lower than that of the heat-setting stage, and with a much reduced MD and TD tension. The tension experienced by the film is a low tension and typically less than 5 kg/m, preferably less than 3,5 kg/m, more preferably in the range of from 1 to about 2,5 kg/m, and typically in the range of 1.5 to 2 kg/m of film width. For a relaxation process which controls the film speed, the reduction in film speed (and therefore the strain relaxation) is typically in the range 0 to 2.5%, preferably 0.5 to 2.0%. There is no increase in the transverse dimension of the film during the heat-stabilisation step. The temperature to be used for the heat stabilisation step can vary depending on the desired combination of properties from the final film, with a higher temperature giving better, i.e. lower, residual shrinkage properties. A temperature of 135 to 250 "C is generally desirable, preferably 150 to 230 °C, more preferably 170 to 200 ^*€. The duration of heating will depend on the temperature used but is typically in the range of 10 to 40 seconds, with a duration of 20 to 30 seconds being preferred. This heat stabilisation process can be carried out by a variety of methods, including flat and vertical configurations and either "off-Sine" as a separate process step or "in-line" as a continuation of the film manufacturing process. Film thus processed will exhibit a smaller thermal shrinkage than that produced in the absence of such post heat-setting relaxation.

The multi-layer film (and preferably the base layer (B)) is preferably opaque, by which is meant substantially impermeable to light, and preferably exhibits a Transmission Optical Density (TOD) of at least 0.3, preferably at least 0.4, preferably at least 0.5, preferably at least 0.8, preferably at least 0.8, preferably at least 1.0, and preferably in the range from 0.6 to 2.0, more preferably 0.8 to 2.0, particularly 1.0 to 2.0. It will be appreciated that optical density varies with thickness. A film having a thickness of 150 μηι or greater preferably exhibits an optical density of at least 1.0 and a film having a thickness of 250 μ omr more preferably exhibits an optical density of at least 1.7.

The multi-layer film (and preferably the base layer (B)} is preferably white and suitably exhibits a whiteness index, measured as herein described, of at least 60, preferably at least 85, preferably at least 90, preferably at least 92, preferably at least 94, typically no more than about 120, more preferably in a range from 90 to 105, particularly 95 to 105, and especially 97 to 103 units

The multi-layer film (and preferably the base layer {B}) preferably has the following ClE laboratory colour co-ordinate values for l_*, a* and b*. measured as herein described. The L* value is suitably greater than 85.00, preferably greater than 90.00, preferably greater than 92.00, preferably greater than 93.00, and typically in the range from 90.00 to 100.00, more typically from 92.00 to 99.00, preferably from 92,00 to 97,00, more preferably from 92,00 to 95,00, The a* value is preferably in the range from -2.00 to -0.50, preferably from -1.60 to -0.50. The b^* value is preferably in the range from -4,00 to -1 ,00,

The multi-layer film (and preferably the base layer (8)} preferably exhibits a yefiowness index, measured as herein described, of less than or equal to 3, more preferably in the range from -10 to 0, particularly -8 to -3. and especially -7 to -5.

The multi-layer film is rendered opaque by incorporating an opacifying agent into one or more layers of the multi-layer film, and specifically into the polyester base Iayer {B>. The heat-sealabSe layer{s} are typically not opaque; they typically do not contain opacifying agent in an amount effective to impart opacity. The opacifying agent suitably also functions as a whitening agent.

In the present invention, titanium dioxide particles coated with an organic coating function as the opacifying and whitening agent. Preferably, the titanium dioxide is rutile titanium dioxide

The present inventors have observed that titanium dioxide particles (particulariy rutile titanium dioxide particles) are a surprisingly advantageous opacifying agent, in that they provide surprisingly good properties, namely superior deiamination resistance, improvement of the cohesive strength of the polyester base layer, and hence superior tamper-resistance. The cohesive strength of the film is polyester base layer may be measured as the deiamination strength or peel strength as described herein, or may be measured as one or more of the mechanical properties of the multi-layer film.

The organic coating is preferably coated uniformly on said titanium dioxide particles. The organic coating is preferably coated discretely on said titanium dioxide particles. The organic material which coats the titanium dioxide particles is thus suitably a film-forming organic material.

Preferably, the organic coating does not comprise or is not derived from a siiane.

The organic coating is not, and preferably does not comprise, a polysiloxane. ln a first preferred embodiment (referred to herein as Embodiment A), the organic coating is an organophosphorus compound.

Preferably, the titanium dioxide particles are coated with an alkylphosphonic acid or an ester of an alkylphosphonic acid wherein the alkylphosphonic acid contains from 8 to 22 carbon atoms.

The alkylphosphonic acid or ester thereof is preferably represented by the formula P(R)(=0){OR1 )(OR2), wherein:

R is an alkyl group or a cycloaikyi group containing 6 to 22 carbon atoms; and

R¹ and R² are each hydrogen, an alkyl group, a cycloaikyi group, an aryS group or an aralkyi group.

When R¹ and R² are both hydrogen, the compound is an alkyiphosphonic acid. When at ieast one of R¹ and R² is a hydrocarbyi group the formula represents an ester of an aikyiphosphonic acid. Preferably, R contains from 8 to 14 carbon atoms.

Preferably, R is a straight chain alkyl group. However, branched chain alkytphosphonic acids and their esters are also suitable. ln the case of the esters, R¹ and R² are preferabiy independently selected from an aikyi group, a cycioalkyl group, an aryi group or an aralkyl group containing up to 10 carbon atoms and more preferably up to 8 carbon atoms (i.e. the ester is an ester of an alcohol containing up to 10, and preferably up to 8 carbon atoms). R¹ and R² are preferabiy hydrocarbyl groups. Where R¹ and R² is aryi or aralkyi, the aryi group is preferabiy phenyl

R¹ and R² can be different but are typically the same. Preferabiy R¹ and R² are hydrogen.

Particularly suitable esters include ethyi esters, butyi esters, octyl esters, cyclohexyl esters and phenyl esters.

Particularly preferred phosphorus compounds include n-octylphosphonic acid and its esters, n- decyiphosphonic acid and its esters, 2-ethyihexylphosphonic acid and its esters and eamphyi phosphonic acid and its esters.

Coated particles according to Embodiment A may be prepared using the processes taught in EP~ 0707051-A, the process of manufacture of which is incorporated herein by reference.

In a further preferred embodiment (referred to herein as Embodiment B), the organic coating is a poiymeric organic coating.

The poiymeric backbone of a polymeric organic coating preferabiy does not contain silicon atoms,

A polymeric organic coating is preferabiy derived from monomers containing carbon, hydrogen and oxygen atoms, and optionally further comprising nitrogen and/or phosphorus and/or sulphur atoms. Thus, it wili be appreciated that the polymeric organic coating is preferably derived from monomers which do not contain silicon atoms. A polymeric organic coating is preferabiy not a poiyolefin resin or preferabiy does not comprise a poiyolefin resin. The coated titanium dioxide particles coated by a poiymeric organic coating are preferably obtained by dispersing titanium dioxide particles in water at a pH value higher than the isoelectric point of said titanium dioxide particles (and preferably at a pH above 7 and preferabiy at a pH of 9 to 11 ) in the presence of a dispersing agent comprising a polymeric polybasic acid or a salt thereof to produce particles having a modified isoelectric point; adjusting the pH of fie dispersion to a value below 9 but above the modified isoelectric point of the particles; and polymerising in the presence of the dispersion so produced one or more ethylenicaHy unsaturated monomer(s) so thai said titanium dioxide particles are coated with polymerised monomer; Preferably the particles are manufactured in accordance with the disclosure of EP-G572128-A, the disciosure of which is incorporated herein, and particularly the disciosure of the process of manufacture of the coated particles is incorporated herein. Without being bound by theory, it is believed that the coated titanium dioxide particles comprise a coherent inner coating formed from the dispersing agent and an outer coating formed from the polymerisation of one or more ethylenicaHy unsaturated monomer(s) and/or the dispersing agent is incorporated into the polymeric coating during polymerisation of the ethylenicaHy unsaturated monomerfs),

The polymeric polybasic acids are preferably selected from poiysulphonic acids, polyphosphonic acids and poSycarboxyiic acids, and preferably from poSycarboxyiic acids, or salts thereof . When the polymeric polybasic acids are in salt form, the acids may be partially or fully neutralised. Suitable salts are the alkali metal salts or ammonium salts. Suitable poiysulphonic acids are preferably selected from Signosulphonates, petroleum sulphonates and poly{styrene sulphonates), including poly{sodium 4-styrene sulphonate).

Suitable poSycarboxyiic acids are preferably selected from polymaleic acids, polyacrylic acids, substituted acrylic acid polymers, acrylic copolymers, including copolymers of an acrylic acid with sulphonic acid derivatives, including 2-acrylamido and 2-methyl propane sulphonic acid. Other comonomers polymerisabie with the acrylic acid or the substituted acrylic acid may contain a carboxyl group.

Preferably, the dispersing agents exhibit a molecular weight (Mw; measured as described hereinabove) of from about 1 ,000 to about 10,000. Preferably, the dispersing agents are substantially linear molecules.

Preferably, the amount of dispersing agent is from about 0.05 to about 5.0 wt%, preferably from about 0.1 to about 1.0 wt%, by weight of the titanium dioxide particle, i.e. the core, uncoated titanium dioxide particle prior to treatment with the dispersing agent and polymerisabie coating monomer{s). 3

Preferably the polymeric organic coating comprises a polymer derived from one or more ethyienicaily unsaturated monomer(s}. Sn other words, the polymeric organic coating comprises a polymer derived from the polymerisation of one or more ethyienicaily unsaturated monomer(s).

The ethyienicaily unsaturated monomeris) are preferably polymerisable in aqueous solvents, preferably wherein the polymer produced is insoluble in water and optionally cross-linked by a cross-Sinking agent The ethyienicaily unsaturated monomeris) are preferabiy selected from aliphatic and aromatic compounds containing a polymerisable unsaturated group, preferably wherein the polymerisable unsaturated group is selected from unsaturated carboxylic acids and unsaturated carboxySic acid esters. The ethyienicaily unsaturated monomer(s) are preferably acidic monomers selected from acrylic acid, methacrylic acid, itaconic acid, maleic acid or its anhydride, fumaric acid and croionic acid, and esters of said acidic monomers, including methyl aery late, ethyl acryiate, methyl methacrylate, butyl acrylate and ethyl methacrylate. The ethyienicaily unsaturated monomer may also be selected from siyrene, vinyl toluene, alpha methySstyrene, ethylene, vinyl acetate, vinyl chloride, acryionitrile, and fiuorinated monomers including fiuorinated alkenes, fiuorinated ethers, fiuorinated acrylic and methacrylic acids and esters thereof and fiuorinated heterocyclic compounds. Preferably, the ethylenicaliy unsaturated monomer(s) are selected from unsaturated carboxylic acids and unsaturated carboxylic acid esters, preferabiy from methyl acrylate, ethyl acrylate, butyl acrylate, butyl methacrylate, vinyl acetate and vinyl isobutyfether.

The polymeric organic coating may be cross-linked, preferabiy by virtue of the presence of one or more cross-linking ageni{s), preferably wherein the cross-Sinking agent is selected from di- and poly-functional ethylenicaliy unsaturated monomers, preferabiy from ethylene glycol dSmethacrylate, ethylene glycol diacrylate, allyl methacrylate, allyl acrylate, 1 ,3-butanedtoi diacrylate, divinyi benzene and 1 ,3-butanedioi dtmethacrySate, preferably wherein said cross- linking agent in an amount of from about 1 wt% to about 20 wt%, preferabiy from about 1 wt% to about 10 wt%, based on the total weight of the ethylenicaliy unsaturated monomer(s).

The organic coating is preferably present in an amount of from about 0.1 to about 200 wt%, preferably from about 0,1 to about 100 wt%, from about 0,5 to about 100 wt%, from about 2,0 to about 20 wt%, by weight of the titanium dioxide. Preferably, the volume ratio of the titanium dioxide particie particles to the organic coating is from 1 :1 to 1 :25 by volume, and preferably from 1 :2 to 1 :8.

The titanium dioxide preferabiy has a water content such that it exhibits a loss at 290 °C of no greater than 1.0%, preferabiy no greater than 0,5%.

The organic coated titanium dioxide is preferably not hydrophobic. Preferably the organic coated titanium dioxide coating is hydrophilic. The titanium dioxide particles preferabiy also carry an inorganic coating, typically a metal oxide, preferably selected from aluminium, silicon, zirconium and magnesium oxides, and preferabiy an alumina, zirconia and/or silica coating, preferably an alumina and/or silica coating or an alumina and/or zircon ia coating, preferably an alumina coating. Where the titanium dioxide particles carry an organic coating and an inorganic coating, the organic coating is applied subsequently to the application of the inorganic coating onto the underlying titanium dioxide core.

The titanium dioxide particles are preferabiy not titanium dioxide particles coated with poiyolefin resin, and particularly are not titanium dioxide particles coated with a coupling agent (such as an organic oxide of a tetravaSent element, such as a titanate, siiane or zirconate) and a poiyolefin resin. The amount of said titanium dioxide particles incorporated into the polyester base layer (8) is preferabiy in the range from about 5 to about 25, preferably from about 8 to about 20, preferably from about 10 to about 18, and preferably from about 10 to about 15% by weight, relative to the total weight of the polyester layer.

The individual or primary particles suitably have a volume-distributed median particle diameter (as defined below) in the range from 0,05 to 0,40 , μ pmreferabiy from 0.10 to 0.25 prrs, preferabiy from 0.15 to 0.25 prn. Typically, the primary particles aggregaie to form clusters or agglomerates comprising a plurality of particles. The aggregation process of the primary particles may take place during the actual synthesis of the filler and/or during the polyester and film making process. The aggregated particles preferably have a volume-distributed median particle diameter (equivalent spherical diameter corresponding to 50% of the volume of alt the particles, read on the cumulative distribution curve relating volume % to the diameter of the particles, which is often referred to as the "D{v,0.5)^H value), as determined by laser diffraction, in the range from 0.3 to 1 ,5 pm, more preferably 0.4 to 1 ,2 μ,m and particularly 0.5 to 0.9 prn. Preferably at least 90%, more preferably at least 95% by volume of the particles are within the range of the volume-distributed median particle diameter ± 0.8 μm, and particularly ± 0.5 , μ amnd particularly ± 0,3 . P μamrticle size of the filler particles may be measured by electron microscope, coulter counter, sedimentation analysis and static or dynamic light scattering. Techniques based on laser light diffraction (Fraunhofer diffraction) are preferred, A particularly preferred method utilises a Mastersizer (e.g. a 3000) available from Malvern. The median particle size may be determined by plotting a cumulative distribution curve representing the percentage of particle volume below chosen particle sizes and measuring the 50th percentile.

Optionally, the polyester base layer (B) may comprise one or more additional opacifying and/or whitening agent{s), and these are preferably be selected from one or more other particulate inorganic filler(s). Preferably, however, more than 50 wt%, preferably more than 60 wt%, preferably more than 70 wt%, preferably more than 80 wt%, preferably more than 90 wt%, preferably more than 95 wt%, preferably more than 98 wt%, preferably more than 99 wt% and preferably substantially all the opacifying and/or whitening agent(s) present in the polyester base layer (B) is said titanium dioxide particles coated with an organic coating. Other particulate inorganic fillers suitable for generating an opaque polyester layer include other metal or metalloid oxides (such as alumina, talc and silica (especially precipitated or diatomaceous silica and silica gels)), calcined china clay, and alkaline metal salts {such as the carbonates and sulphates of calcium and barium). Said other particulate inorganic fillers, where used in the present invention, are preferably of the non-voiding type.

Preferably, an opaque polyester layer has a degree of voiding in the range from 0 to 15, more preferably 0.01 to 10, particularly 0,05 to 5, and especially 0.1 to 1% by volume. Thus, an opaque polyester layer is preferably substantially free of voids. In other words, non-voiding opacifying agents are preferred. The degree of voiding can be determined, for example, by sectioning the film using scanning electron microscopy, and measuring the voids by image analysis.

The density of the polyester base layer (B) is preferably in the range from 1.2 to 1.5, more preferably 1 ,3 to 1.45, and particularly 1 ,35 to 1.4.

The multi-layer film optionally comprises an optical brightener, which is typically incorporated into the base layer (B). The optical brightener is preferably present in amounts in the range from 50 to 1500 ppm, more preferably 200 to 1000 ppm, and especially 400 to 600 ppm by weight, relative to the weight of the polyester of the layer. Suitable optical bnghteners include those available commercially under the trade names "Uvttex* IVIES, "Uvitex" OB, "Leucopur" EGM and "Eastobrite" OB-1.

The multi-layer film optionally comprises a blue dye, which is typically incorporated into the base layer (B). A blue dye, where present, is typically present in amounts in the range from 100 to 3000 ppm, more preferably 200 to 2000 ppm, and especially 300 to 1QQG ppm by weight, relative to the weight of the polyester of the layer.

The multi-layer film may further comprise other additives conventionally employed in the manufacture of polyester films. Thus, additives such as cross-linking agents, dyes, pigments, laser additives/markers, lubricants, hydrolysis stabilisers, antioxidants, UV absorbers, radical scavengers, thermal stabilisers, flame retardants and inhibitors, anti-blocking agents, surface active agents, slip aids, gloss improvers, prodegradents, viscosity modifiers and dispersion stabilisers may be incorporated as appropriate into the base layer (B) and/or a heat-sealable Iayer (A, A1 and/or A2). it is preferred, however, that the films do not comprise an organic hydrolysis stabiliser, particularly wherein at least a portion of the titanium dioxide particles are coated with said organic coating. it is also preferred that the films do not comprise an organic UV absorber, such as a benzophenone, benzotriazoie, benzoxazinone or triazine.

A heat-sealable layer (A, A1 and/or A2) may also contain particulate filler. Suitable particulate fillers, where present, may be selected from the particulate fillers described above. The amount of particulate filler in a heat-sealable Iayer is preferably less than the amount of particulate filler in base Iayer (B). Preferably, a heat-seaiabie layer is free of particulate filler or contains particulate filler only in minor amounts. Thus, a heat-sealable iayer may contain no more than 2.5% by weight, or no more than 2% by weight, or no more than 1% by weight, or no more than 0.6% by weight, or no more than about 0.3% by weight, based on the weight of the polyester in the layer. The particulate filler in a heat-sealable layer may be included for the purpose of improving handling of the film, for instance windability {i.e. the absence of blocking or sticking when the film is wound up into a roll), in a preferred embodiment, a heat-sealable Iayer is optically clear or translucent. As used herein, the term "optically clear" refers to a layer that provides a percentage of scattered transmitted light in the visible wavelength range of no more than 30%, preferably no more than 15% preferably no more than 10%, preferably no more than 6%, more preferably no more than 3,5% and particularly no more than 1.5%, and/or a total luminous transmission (TLT) for Sight in the visible region (400 nm to 700 nm) of at least 80%, preferably at least 85%, more preferably at least about 90%. Preferably, an optically clear layer fulfils both of these criteria. As used herein, the term translucent^* refers to a layer having a TLT of at least 50%, preferably at least 60%, and preferably at least 70%.

The components of a given polyester layer composition may be mixed together in conventional manner. For example, by mixing with the monomeric reactants from which the polyester is derived, or the components may be mixed with the polyester by tumble or dry blending or by compounding in an extruder, followed by cooling and, usually, comminution into granules or chips. Masterbatching technology may also be employed. Typically, the copoiyesterether is fed separately to the extruder from which the polyester of the base layer (B) is extruded to form the base layer. Any optical brightener and/or blue dye may be included at any stage of the polyester or polyester film production, but is preferably added to the glycol, or alternatively to the polyester prior to the formation of the polyester film (for instance by injection during extrusion).

The intrinsic viscosity of the base layer (B) of the multi-layer film, and preferably also a heat- sealable copoiyester layer (A, A1 and/or A2), is preferably at least 0.85, preferably at ieast 0.7, and in one embodiment in the range of from about 0.65 to about 0.75.

The thickness of the polyester base layer (B) is preferably in the range from 25 to 400 μm , more preferably at Ieast 50 μm , more preferably at least 75 μm , more preferably at least 100 μm , more preferably 100 to 350 μm .

The thickness of a heat-seaiabie copoiyester layer (A, A1 and/or A2) is preferably no more than 50 μm , and is preferably in the range of from about 0.5 to about 25 μm , preferably from about 3 to about 30 μm , preferably about 5 to about25 μm , more preferably about 12 to about 18 μm .

The thickness of polyester base layer (B) is preferably greater than the thickness of a heat- sealable copoiyester fayers (A, A1 and A2). The thickness of polyester base layer (B) is preferably greater than 50%, preferably at least 60%, more preferably at Ieast 70% and preferably from about 75% to about 95% of the total thickness of the film . A heat-seaiable copoiyester layer (A, A1 , A2) may also function as an ink-receptive layer, which functions to improve the adhesion of inks, dyes and/or lacquers etc. An ink-receptive layer may carry pictorial information, such as an ordinary photograph, and/or written information such as typed script, a signature etc., as appropriate, information may be imparted to the ink-receptive layer by means of traditional printing processes such as off-set, gravure, silk screen, and fiexographic printing, or by writing by hand, or by thermal transfer printing (TTP), or by laser transfer printing (LTP), or by laser engraving.

In a first embodiment, the multi-layer film comprises a poiyester base iayer (8), a first heat- sealable copoiyester Iayer (A1 ) disposed on a first surface of the poiyester base layer and a second heat-sealable copoiyester Iayer (A2) disposed on a second surface of the polyester base layer, as described hereinabove. in a second embodiment, the multi-layer film comprises a poiyester base Iayer (B), a heat- seaiable copoiyester layer (A) disposed on a first surface of the polyester base Sayer and an ink- receptive layer disposed on the second surface of the poiyester base Iayer (wherein said ink- receptive layer is different from said heat-seaiable copolyester layer (A)), preferably wherein the ink-receptive layer comprises an acrylic resin, in this embodiment, it is the second surface of the polyester base layer which is disposed towards the polymeric overlay layer in the multi-layer cards described hereinbelow, and if is the first surface of the polyester layer and the first heat-sealable layer (A1 ) which is disposed towards the polymeric inlay layer in the multi-layer cards described hereinbelow.

As used herein, the term "acrylic resin" refers to a resin which comprises at least one acrylic and/or methacryiic component.

The acrylic resin of the ink-receptive layer is suitably thermoset. The acrylic resin of the ink-receptive layer preferably comprises at least one monomer derived from an ester of acrylic acid and/or an ester of methacryiic acid, and/or derivatives thereof. Preferably, the acrylic resin comprises greater than 50 mote %, preferably less than 98 mole %, more preferably in the range from 60 to 97 mole %, particularly 70 to 96 mole %, and especially 80 to 94 mole % of at least one monomer derived from an ester of acrylic acid and/or an ester of methacryiic acid, and/or derivatives thereof. A preferred acrylic resin comprises an aikyl ester of acrylic and/or methacryiic acid where the alkyl group contains up to ten carbon atoms such as methyl, ethyl, n-propyl, isopropyl, n-butyl, isobutyl, terbutyi, hexyl, 2-ethylhexyi, heptyl, and n~ octyl. Preferably, the acrylic resin comprises an alkyl acrySate (preferably an ethyl acrylafe and/or butyl acrylate) and an alkyl methacrylate (preferably methyl methacrylate), and preferably the acrylic resin comprises ethyl acrylate and methyl methacrylate. The acrylate monomer is preferably present in a proportion in the range from 20 to 80 moie% (preferably 30 to 85 mole %). and the methacryiate monomer is preferably present in a proportion in the range from 20 to 80 mote % (preferably from 20 to 80 mole %)

Other monomers which are suitable for use in the preparation of the acrylic resin, which are preferably copolymerised as optional additional monomers together with said esters of acrylic acid and/or methacryiic acid and/or derivatives thereof, include acrylonstnte, mefhacrylonitrile, halo-substituted acrylonitrile, halo-substituted methacrylonitrile, acrylamide, methacrySamide, N~ methySoi acrylamide, N~ethanol acrylamide, N-propanol acrylamide, N~methacrylamide, N~ ethanol methacrytamide, N-methyi acrylamide, N-tertiary butyl acrylamide, hydroxyethyS methacryiate, glycidyi acrylate, glycidyi methacryiate, dimethyiamino ethyl methacryiate, itaconic acid, itaconic anhydride and half esters of itaconic acid. Other optional monomers include vinyl esters such as vinyl acetate, vinyl chlcroacetafe and vinyi benzoate, vinyl pyridine, vinyl chloride, vinyltdene chloride, maSeic acid, maieic anhydride, siyrene and derivatives of styrene such as chloro styrene, hydroxy styrene and alkylated styrenes, wherein the alkyl group contains from one to ten carbon atoms,

A preferred acryiic resin is derived from three monomers and comprises 35 to 60 mole % (preferabiy 40 to 50 mole %) of ethyl acrylate, 30 to 55 mole % (preferably 40 to 50 mole %) of methyl methacrylate, and 2 to 20 mole % {preferably 5 to 10 mol%) of acrylamide or methacryiamide, and preferably comprises approximate molar proportions 46/48/8% respectively of ethyl acrySate/methyl methacrylaie/acryiamide or methacryiamide, Preferabiy, the polymer is thermoset for example in the presence of about 25 weight % of a methylated meiamine- formaldehyde resin. A further preferred acrylic resin is derived from four monomers and comprises a copolymer comprising comonomers (a) 35 to 40 moie % alkyl aery late, (b) 35 to 40 mole % alkyl methacrylate, (c) 10 to 15 mole % of a monomer containing a free carboxyl group, and (d) 15 to 20 mole % of a monomer containing a suiphonic acid group and/or a salt thereof. Ethyl a cry I ate is a particularly preferred monomer (a) and methyl methacrylate is a particularly preferred monomer (b). Monomer (c) containing a free carboxyl group (i.e. a carboxyl group other than those involved in the polymerisation reaction by which the copolymer is formed) suitably comprises a copolymerisable unsaturated carboxylic acid, and is preferably selected from acrylic acid, methacrylic acid, maleic acid, and/or itaconic acid {and preferably from acrylic acid and itaconic acid). The suiphonic acid group monomer (d) may be present as the free acid and/or a salt thereof, for example as the ammonium, substituted ammonium, or an alkali metal, such as lithium, sodium or potassium, salt. The suiphonate group does not participate in the polymerisation reaction by which the copolymer resin is formed. The suiphonic acid group monomer is preferabiy aromatic, and more preferably is p-styrene suiphonic acid and/or a salt thereof. The weight average molecular weight (Mw; measured as described herein) of the acrylic resin can vary over a wide range but is preferabiy in the range from 10,000 to 1 ,000,000, and more preferably 50,000 to 200,000.

The acrylic resin component of the Ink-receptive layer preferably comprises at least 30% , more preferabiy in the range from 40 to 99%, particularly 50 to 85%, and especially 70 to 80% by weight relative to the total weight of the ink-receptive layer. The acrylic resin of the ink-receptive layer is preferabiy the major component of the layer.

The composition from which the ink-receptive layer of the second embodiment is derived suitably also contains a cross-linking agent, particularly wherein the ink-receptive layer is an acrylic resin- containing layer. The cross-Sinking agent functions to improve adhesion to the polyester base layer. The cross-linking agent should also function to internally cross-link the ink-receptive layer to provide solvent resistance. Suitable cross-linking agents comprise epoxy resins, alkyd resins, amine derivatives such as hexamethoxyniethyl meiamine, and/or condensation products of an amine, e.g. meiamine, diazine, urea, cyclic ethylene urea, cyclic propylene urea, thiourea, cyclic ethylene thiourea, alkyl melamines, aryi melamines, benzo guanamines, guanamines, alkyl guanamines and aryi guanamines, with an aldehyde, e.g. formaldehyde, A useful condensation product is that of meiamine with formaldehyde. The condensation product is optionally alkoxylated. The cross-linking agent may suitably be used in amounts of up to 70%, preferably in the range from 1 to 60%, more preferably 15 to 50%, and especially 20 to 30% by weight relative to the total weight of the ink-receptive layer. A cata lyst is preferabiy employed to facilitate cross- linking action of the cross-linking agent. Preferred catalysts for cross-linking meiamine formaldehyde include para toluene sulphonic acid, maleic acid stabilised by reaction with a base, rnorpholinium paratoluene suiphonate, and ammonium nitrate.

The composition from which the ink-receptive layer of the second embodiment is derived optionally contains a plasticizer to aid film formation and handling. Any suitable piastieizer may be used, for instance phthalate esters such as alkyl benzyl phthalates, dialkyi adipate and m.p- cresol propoxyiate.

The acrylic resin is generally water-insoluble. Typically, the acrylic resin is applied to the polyester base layer as a coating composition in the form of an aqueous dispersion, An acrylic resin -containing ink-receptive layer may be applied, typically in the form of a coating composition, before, during or after the stretching operation in the production of an oriented film. The coating composition is preferably applied to the polyester base layer between the two stages (longitudinal and transverse) of a biaxial stretching operation. An acrylic resin-coated polyester base layer is heated (typically up to 240°ϋ, preferably up to 220° C) in order to drive off the diluent of the composition (normally water, although organic soivent(s) can be used additionally or alternatively), and to assist in coalescing and forming the coating into a continuous and uniform layer, as well as facilitating cross-Sinking of cross-linkable coating compositions. Any suitable conventional coating technique such as dip coating, bead coating, reverse roller coating or slot coating may be used. The coating composition is preferably applied to the polyester base layer at a dry coat weight in the range from about 0.05 to 5 mg/dm², especially 0.1 to 2.0 mg/dm².

The thickness of an ink-receptive layer (preferably the acrylic resin-containing ink-receptive layer) in the second embodiment is preferably no more than 1.5 pm, more preferably in the range of from 0.01 to 1.0 μm, and particularly 0.02 to 0.5 . μm The multi-layer film of the present invention preferably exhibits an Ultimate Tensile Strength (UTS) in each of the longitudinal and transverse directions of the film of at least 1300 N/cm², preferably at least 1350 HI cm², preferably at least 1400 N/cm², Preferably, the UTS in at least one direction (preferably at least the longitudinal direction) is at least 1400, preferably at least 1450, preferably at least 1500 N/cm².

The multi-layer film of the present invention preferably exhibits an Elongation To Break (ETB) in each of the longitudinal and transverse directions of the film of at least 250 %, preferably at least 270 %, preferably at least 280 %, preferably at least 290 %, preferably at least 300 %.

The multi-layer film of the present invention preferably exhibits an F5 value (stress at 5% elongation) in each of the longitudinal and transverse directions of the film of at least 880 N/cm², preferably at least 870 N/cm², preferably at least 880 N/cm², preferably at least 890 N/cm², preferably at least 900 N/cm^a.

St will be appreciated that the terms "longitudinal direction" and "transverse direction" of the film refer to the directions in which a film was stretched during its manufacture. The term "machine direction" is also used herein to refer to the longitudinal direction.

The multi-layer film of the present invention exhibits a delamination strength (measured as the heat-seal strength of the multi-layer film to itself, wherein two multi-layer films comprising a polyester base layer and a copolyester heat-seaiable layer are heat-sealed together such the heat-seaiabie layers of each film are in contact with each other, as described herein) of at least 12 N/cm, preferably at least 13 N/cm, preferably at least 14 N/cm, preferably at feast 15 N/cm.

The multi-layer film of the present invention offers parttcuiar advantages in the manufacture of laminated cards, as described hereinabove.

According to a second aspect of the present invention, there is provided a multi-layer card comprising a polymeric inlay layer having a first surface and a second surface, further comprising a first multi-layer film according to the first aspect of the invention which is disposed on the first surface of the polymeric inlay layer, and further comprising a first polymeric overlay layer which is disposed on said first multi-layer film, such that the layer order is polymeric inlay layer, first multi-layer film and first polymeric overlay layer.

Preferably, the multi-layer card further comprises a second multi-layer film according to the first aspect of the invention which is disposed on a second surface of the polymeric inlay layer, and preferably further comprising a second polymeric overlay layer disposed on said second multilayer film, such that the layer order is second polymeric overlay layer, second multi-layer film, polymeric inlay layer, first multi-layer film and first polymeric overlay layer. The second multi-layer film may be the same as or different to the first multi-layer film, and is preferably the same. In other words, each of the polyester base layer and heat-sealabie copolyester layer(s) of the second multi-layer film may, independently, be the same as or different to the corresponding polyester base layer and heat-sealabie copolyester layers) of the first multi-layer film, but they are preferably the same. A symmetrical layer structure is preferred.

Where the multi-layer film comprises a single heat-sealabie copolyester layer (A), for instance in respect of the second embodiment of the multi-layer film described hereinabove, the multi-layer film is disposed in the multi-layer card such that the heat-sealabie copotyester layer (A), rather than the ink-receptive layer, is facing the polymeric inlay layer.

The first multi-layer film may be disposed directly on the first surface of the polymeric inlay layer. The optional second multi-layer film may be disposed directly on the second surface of the polymeric inlay layer. Optionally, an intervening adhesive layer may be present between the polymeric inlay layer and multi-layer film in order to increase delamination resistance therebetween.

The first polymeric overlay layer may be disposed directly on the surface of said first multi-layer film. A second polymeric overlay layer may be disposed directly on the surface of said (optional) second multi-layer film. Optionally, an intervening adhesive layer may be present between a polymeric overlay layer and said multi-layer film in order io increase delamination resistance therebetween. Where an adhesive layer is used, the polymeric overlay layer typically comprises an adhesive coating on the surface which contacts said multi-layer film.

The composition of the polymeric overlay layer is suitably selected from materials which include polyester (such as PET and including copolyesters such as TA/CHDM/EG copolyesters, especially wherein the glycol fraction comprises about 33:67 of CHDM:EG), polycarbonate, polyolefin, PVC, ABS and/or paper, and preferably the polymeric overlay layer is PVC. Where the multi-layer card comprises multiple polymeric overlay layers, the polymeric overlay layers may be the same as or different to each other, but are preferably the same. A polymeric overlay layer is preferably a self-supporting film. The polymeric overlay layer provides support for the card, and to provide protection, including security, for information imparted to and contained in the card, it will be appreciated that the polymeric overlay layer is suitably optically clear in order that the information imparted to and contained in the card can be read. The thickness of a polymeric overlay layer is preferably from about 25 to about 150 μ, m preferably at least about 50 μητϊ, and preferably from about 80 μm to about 120 μ.m The composition of the polymeric inlay layer is suitably selected, independently, from the materials described hereinabove for the polymeric overlay layer. The thickness of the polymeric inlay layer is preferably from about 50 to about 500 , p μrmeferably at least about 76 , pref μemrably at least about 100 μm, preferably from about 100 μm to about 400 μ, m and preferably at least about 300 μm.

The multi-layer card according to the present invention can be used in any of the conventional card applications known in the art, including as an identification card or magnetic card, such as a credit card, and including contactless cards, pre-paid cards such as travel or telephone cards, and "smart" cards such as cards capable of storing information about financial transactions. An electronic chip may be present at the surface of the card, or encapsulated therein, for example in an epoxy material of other suitable encapsulant.

The multi-layer card preferably has a thickness in the range from 150 to 1000 , p μrmeferably at least about 200 μm, preferably at least about 250 , p μrmeferably at least about 500 , pref μemrably at least about 850 μm, and preferably no more than about 900 μm, particularly no more than about 850 μm.

The multi-layer card preferably has a length in the range from 70 to 100 mm, more preferably 80 to 90 mm, and particularly about 86 mm, and a width in the range from 40 to 70 mm, more preferably 50 to 60 mm, and particularly about 54.5 mm.

The multi-layer card is preferably formed by a lamination process, by which is meant that two or more separate self-supporting film structures, which may themselves contain more than one layer, are contacted and bonded together to form the card. Lamination is effected by conventional means, and typically comprises the application of heat and/or pressure.

It is generally desirable for a card comprising the multi-layer film(s), polymeric inlay layer and polymeric overlay layer(s) to be co-ferminous along all edges. According to a further aspect of the present invention, there is provided the use of the multi-layer film according to the first aspect of the present invention as one or more layer{s) {preferably an internal layer) in a multi-layer card further comprising a polymeric inlay layer and one or more polymeric cover Sayer{s), as described herein, preferably for the purpose of improving the delamination resistance and/or durability of said multi-layer cards.

According to a further aspect of the invention, there is provided the use of the titanium dioxide particles coated with an organic coating as described hereinabove in a mufti-iayer film according to the first aspect of the present invention for improving the deiarnination resistance of said multilayer film.

The invention is illustrated by reference to Figure 1 showing a multi-layer card (10), in which a first multi-layer film comprising a polyester base layer (B) (2), a first heat-seaiable copoiyesier layer (A1) (3) and a second heat-seaiable copoiyesier iayer (A2) (4) is disposed on a first surface of a polymeric inlay layer (1 ). A second multi-layer fiim comprising a polyester base layer (B) (6), a first heat-seaiable copoiyesier layer (A1 ) (7) and a second heat-seaiable copoiyesier Iayer (A2) (8) is disposed on the second surface of the polymeric inlay Iayer (1 ). On each of the second heat-seaiabie copoiyesier layers (A2) (4, 8), there is a disposed a polymer overlay iayer (5,9).

Figure 2 shows a muiti-iayer card (10), in which a first multi-layer fiim comprising a polyester base layer (B) (2), a heat-seaiable copoiyesier iayer (A) (3) and an ink-receptive layer (11 ) is disposed on a first surface of a polymeric inlay layer (1 ). A second multi-layer film comprising a polyester base layer (B) (6), a heat-seaiable copoiyesier iayer (A) (7) and an ink-receptive iayer (12) is disposed on the second surface of the polymeric inlay Iayer (1 ). On each of the ink-receptive layers (11 , 12), there is a disposed a polymer overlay layer (5,9).

Property Measurement

The following analyses were used to characterize the films described herein:

(i) Optical clarity is evaluated by measuring total luminance transmission (TLT) and haze (% of scattered transmitted visible light) through the total thickness of the fiim using an M57D spherical hazemeter (Diffusion Systems) according to the standard test method ASTSvt D1003.

(ii) Transmission Optical Density (TOD) is measured using a Macbeth Densitometer TR 927 (obtained from Dent and Woods Ltd, Basingstoke, UK) in transmission mode.

(iii) L\ a* and b* colour co-ordinate values (CIE (1976)), whiteness index and yellowness index are measured using standard colouring measuring apparatus conforming to the principles of ASTM D 313, such as a Konica Minolta CM3800a.

(iv) Intrinsic viscosity (in units of dl/g) of the polyester and polyester film is measured by solution viscometry in accordance with ASTM 05225-98(2003) on a Viscotek™ Y-501C Relative Viscometer (see, for instance, Hitchcock, Mammons & Yau in American Laboratory (August 1994) "The dual-capillary method for modem-day viscometry") by using a 0.5% by weight solution of polyester in o-chlorophenoi at 25°C and using the BiiSmeyer single-point method to calculate intrinsic viscosity:

wherein:

The Ultimate Tensile Strength (UTS), Elongation To Break (ETB) and the F5 value (stress at 5% elongation) are measured according to test method ASTM D882. Using a straight edge and a calibrated sample cutter {10mm+\~Q.5mm) five strips (100mm in length) of the film are cut along the machine direction. Each sample is tested using an Instron model 3111 materials test machine, using pneumatic action grips with rubber jaw faces. Temperature (23°C) and relative humidify (50%) are controlled. The crosshead speed (rate of separation) is 25 mm.min^{- 1}. The strain rate is 50%. Elongation to Break (€s (%)) is defined as:

where Lo is the original length of the sample between grips.

The delamination strength of the multi-layer films is assessed by measuring the heat-seal strength of the film to itself, as follows. A4 samples of the imprinted multJ-iayer film are laminated in a card structure similar to that shown in Figure 1 except that the polymeric inlay layer (1 ) is absent. Thus, two multi-layer films of the present invention comprising a polyester base layer and a copolyester heat-sealable layer are positioned together such that the heat-sealable layers of each film are in contact with each other, with polymer overlay layers (5,9) disposed on the polyester base layer of each multi-layer film. The polymeric overlay layer is an adhesive-coated PVC film (50 μm ; Sscopfast 167J3 with HP2L1 coating; Bilcare®), wherein the adhesive-coated surface of the PVC overlay is contacted with the polyester base layer of each multi-layer fil m. The assembly is laminated in a Carver press at 140*0 for 15 minutes at 6000 kg pressure. The laminates are then cooled to 50°C, the pressure released and the laminates removed from the press. The laminates are cut into cards (dimensions 88 x 54.5mm) using an Oasys card punch cutter and the cards are then cut lengthways into strips having a width of 10mm. The delamination is initiated by using a knife to cut a line across the 10mm strip deep enough such that it cuts through the overlay and just into the first layer of the multi-layer film. An attempt is then made to peel back the overlay from the strip, if initiated, the test strip is fixed to a card using double sided tape and the peel tail threaded through roller bars on an Instron test machine. The peel tail is ciamped in the bottom jaws of the Instron machine and the top head (roller bars) moved upwards at 300mm/min, measuring the force required to peel the overlay from the strip at a 90* angle, if an overlay peel cannot be initiated or immediately tears or snaps on peeling no numerical data is obtainable and the sample considered as impossible to peel.

Tamper-resistance may also be assessed as the overlay peel strength of the muSts-Sayer cards, measured as follows. A4 samples of the imprinted multi-layer film are laminated in the card structure according to Figure 1 in a Carver press at 14GT for 15 minutes at 6000 kg pressure. The overlay is an uncoated PVC film (100pm; Gemalto®). The inlay is a white un coated PVC film (27Qpm; Gemalto®). The iami nates are then cooled to 50°C, the pressure released and the laminates removed from the press. The laminates are cut into cards (dimensions 86 x 54.5mm) using an Oasys card punch cutter and the cards are then cut lengthways into strips having a width of 10mm. The overlay peel test was conducted substantially in accordance with ISO/SEC 10373-1. Thus, overlay peels are initiated by using a knife to cut a line across the 10mm strip deep enough such that it cuts through the overlay and just into the multi-layer film. An attempt is then made to peel back the overlay from the strip. If initiated, the test strip is fixed to a card using double sided tape and the peel tail threaded through roller bars on an lnstron test machine. The peel tail is ciamped in the bottom jaws of the Instron machine and the top head (roller bars) moved upwards at 300mm/min, measuring the force required to peel the overlay from the strip at a 90^* angle, lf the overlay peel cannot be initiated or immediately tears or snaps on peeling, no numerical data is obtainable and the sample considered as impossible to peel. Eight test strips are measured per film sample, and the overlay peel strength reported as the mean of these measurements.

The deSamination susceptibility of tfie multi-layer card may be further assessed by the "corner impact test", conducted as follows. A laminated card is prepared as described above for the "deSamination strength" test, except that that a polymeric inlay layer is present {100 μm TA/^'GHDM/EG copolyester having a CHDM;EG molar ratio of 33:67). A comer impact test is performed using an impact tester (see Figure 8), by dropping the card onto an exposed corner from a height of 265 mm in a weighted holder. The impact weight is 13.3 N +/-0.5N. A failure is delamination or fracture of the polymeric layers.

The water content of titanium dioxide is measured by a Karl Fischer titration, preferably a coulometric Karl Fischer titration. Typically, the sample is heated in an oven upstream of the titration cell and the released water is transferred by a flow of dry carrier gas to the titration cell where it is determined by a Karl Fischer titration. Suitably, a Metrohm 768 KF Goulometer coupled to a Metrohm 768 KF Oven is used to conduct a coulometric Karl Fischer titration. The invention is further illustrated by reference to the following examples. The examples are not intended to limit the scope of the invention as described above. EXAMPLES in the following discussion, intrinsic viscosity values are those measured on the polymer chip unless otherwise specified.

Examples 1a and lb

Polyester composition P1 comprised a PET polymer having SV ~ 0.82, 4 wt% copolyesterether (HytreS® 4068; DuPont), 12.5 wt% of rutiie TiQa comprising an organic coating on its surface (TR28, available from Tioxide ®), and 3 wt% commercially available antioxidant,

Copoiyester composition P2 comprised IPA-containing PET-based copoiyester (TArtPA - 82:18) having IV ~ 0.64 and containing 0.125 wt% china clay based on the weight of the copoiyester.

An acrylic resin coating composition was prepared with the following ingredients:

(i) Acrylic resin (46% w/w aqueous latex of methyl meihacrylate/ethyi acrylate/methacryiamide in a molar ratio of 46/46/8 mole %: Primal® AC201 ER): 14.1 litres;

(ii) IVSethoxylated melamine-formaldehyde (Cymel® 385; aqueous): 7.1 litres;

(sii) Ammonium nitrate (10% w/w aqueous solution): 90 ml ;

(sv) Alkyl (G7-C9) benzyl phthalate plasticizer (Santicizer 261 A):1 .5 litres; and

(v) Demineralised water to 25.2 litres.

A multi-layer film comprising a base layer of polyester composition Pi and a heat-sealabSe layer of copoiyester P2 was extruded and cast using a standard melt coextrusion system. The coextrusion system was assembled using two independently operated extruders which fed separate supplies of polymeric melt to a standard coextrusion block or junction at which these streams were joined. From the coextrusion block, the melt-streams were transported to a conventional, flat film extrusion die. The melt temperature of polyester P1 was 270°C, and the melt temperature of copoiyester P2 was 265*0. The melt curtain was cast from the common coextrusion die, and then quenched in temperature onto a rotating, chilled metal drum. The cast film was collected at a process speed of about 3.8 m/min. The cast extrudate was stretched in the direction of extrusion to approximately 2.9 times its original dimensions at a temperature of 82ºC. The stretched film was then coated on the surface of the polyester base layer with the acrylic resin coaling composition. The coated film was then passed into a stenter oven at a temperature of 115X where the film was dried and stretched in the sideways direction to approximately 3,2 times its original dimensions. The biaxiaily stretched film was heat-set at about 230°C. The final film was 152 μm in thickness and comprised three layers having an ABC structure, wherein the heai-sealable copolyester layer (A) was approximately 15 μm thick, and the acrylic ink-receptive layer (C) was approximately 0.04 pro thick. This film is referred to as Example 1a.

The process was also used to make a further multi-layer film, referred to herein as Example 1b, which had a final thickness 254 μm , and in which the heat-sealable copolyester layer and the acrylic ink-receptive layer (C) were approximately the same thicknesses as Example 1a.

Comparative Examples 1a {152 μm) and 1b (254 μm)

Mufti-fayer films similar to those described in Example 1 were prepared, except that anatase Τίθ2 (AHR-F, available from Clariant®), which does not have an organic coating, was used in the base layer. The film is therefore essentially the same as Example 4 in US-7232802-B, and it was this statcture on which the present inventors sought to improve.

Comparative Example 2 (254 μm)

A multi-layer film similar to that described in Comparative Exampie 1 b was prepared, except that anatase TiO₂ (1071 , available from Kronos®), which does not have an organic coating, was used in the base layer.

The optical properties of the 254 μm films of Example 1b and Comparative Examples 1b and 2 were tested as described herein. The results are presented in Tabie 1 below and demonstrate that the films of the present invention exhibit optical properties which are comparable to the current commercially available films, as represented by Comparative Example 1 b, and well within the targeted and desirable optical properties.

Table 1

The optical density of the 152 μm multi-layer films of Example 1a and Comparative Example 1a were measured as described herein. The optical density of the Example 1a film of the present invention exceeded 1.0 and was unexpectedly greater than that of the film of Comparative Example la.

The optical density of the 254 μm mufti-layer films of Example 1b and Comparative Example 1b were also measured as described herein. The optical density of the Exampie 1b film of the present invention exceeded 1.7 and was unexpectedly greater than that of the film of Comparative Example 1b.

Given that it was known in the art that anatase TiOa normally provides superior optical properties in polyester films compared to rutile TiCb, these results are particularly surprising.

The delamination strength of the Examples was assessed using the test method described herein. lt was observed that failure of the laminate normally occurs just beneath the surface of a polyester base layer, rather than at the interfacial boundary of the heat-seal abie copolyester layers with each other, or the interfacial boundary of heai-sealable layer and polyester base layer. The results are presented in Table 2 below, and show that the 152 μm multi-layer film of Example 1a unexpectedly exhibits statistically significantly greater cohesive strength within the polyester base layer, and hence provides significantly greater delamination resistance, compared to the current commercially available conventional films as represented by Comparative Example la. The same improvement is observed with the 254 μm film of Exampie 1b when compared to Comparative Examples 1b and 2. Table 2

The mechanical properties of the films of Example 1 b and Comparative Examples 1 b and 2 were tested as described herein and the results are shown in Figure 3 (UTS), Figure 4 (ETB) and Figure 5 (F5 value). The abbreviations "MD" and "TD" refer to the machine and transverse directions of the film, respectively. The results demonstrate the unexpectedly superior mechanical properties and cohesive strength of the films of the present invention. The deiamination susceptibility of multi-layer cards according to the present invention was tested using the corner impact test described herein, with up to 18 impacts. The results are presented in Table 3 below and demonstrate the unexpectedly superior deiamination and tensile properties of the multi-layer cards of the present invention.

Table 3

The films and cards of the present invention thus exhibit unexpectedly superior deiamination resistance, security and tamper-resistance.

Example 4

A multi-layer film comprising a base layer of polyester composition P1 above and two outer layers of copolyester composition P2 was extruded and cast using a standard melt coextrusion system. The coextaision system was assembled using two independently operated extruders which fed separate supplies of polymeric meit to a standard coextrusion block or junction at which these streams were joined. From the coextrusion block, the melt-streams were transported to a conventional, flat film extrusion die. The melt temperature of polyester P1 was 27GT, and the melt temperature of copolyester P2 was 265°C. The melt curtain was cast from the common coextrusion die, and then quenched in temperature onto a rotating, chilled metal drum. The cast extrudate was stretched in the direction of extrusion to approximately 2,9 times its original dimensions at a temperature of 82°C. The cooled stretched film was then passed into a stenter oven at a temperature of 1 iSX where the film was dried and stretched in the sideways direction to approximately 3.9 times its original dimensions. The biaxsaiiy stretched film was heat-set at about 230X. The final film was about 254 μm in thickness and comprised three layers having an ABA structure, wherein the outer layers (A1 ) and (A2) were each 15 thic μkm. The film exhibited excellent optical, properties, mechanical properties and deiamination strength, measured according to the test methods described herein. Multi-layer cards incorporating these muSti-iayer films exhibited excellent overlay peel strength and low deiamination susceptibility.

Claims

CLAIMS 1 . A multi-layer film comprising:

(i) a polyester base layer (6) having a first and second surface wherein the polyester of the base layer is a crystaliisable polyester: and

(ii) a heat-sealabie copolyester layer (A) disposed on one or both surfaces of said polyester base layer (B),

wherein the poiyester base layer (B) comprises titanium dioxide particles in an amount of from about 1 to about 30 wt% by total weight of the base layer, wherein said particles are coated with an organic coating.

2. A multi-layer fiim according to any claim 1 wherein the poiyester of the base layer is selected from polyethylene terephtnalaie (PET) and polyethylene 2,8-naphthalate (PEN).

3. A multi-layer film according to any preceding claim wherein the poiyester base layerfurther comprises a copolyesterether, preferably in an amount of from about 0,2 to about 10 wt% relative to the total weight of the poiyester base layer,

4. A multi-layer film according to claim 3 wherein the copolyesterether comprises at least one polyester block and at least one polyether block wherein the ratio of poiyestenpolyether is in the range 25-55 ; 45-75 by weight % of the copolyesterether. 5. A multi-layer film according to claim 3 or 4 wherein the copolyesterether comprises at least one poiyester block of an alkylene terephthalate, and wherein the copoiyesterether comprises at least polyether block which is a poly(alkylene oxide) glycol selected from polyethylene oxide) glycol, polypropylene oxide) glycol and poly(tetrameihyiene oxide) glycol.

8. A multi-layer film according to any preceding claim wherein the copolyester of the heat- sealable layer{s) is selected from copolyesters derived from repeating units comprising or consisting of a first aromatic dicarboxyiic acid, a second aromatic dicarboxySic acid and an aliphatic glycol, and preferably copolyesters derived from repeating units consisting of terephihailc acid, isophtrtalic acid and ethylene glycol, preferably wherein the isophthaSIc acid is present in an amount of from about 15 to about 20 mol% of the acid fraction of the copolyester.

7. A multi-layer film according to any preceding claim wherein the polyester base layer (B) is biaxially oriented.

8. A multi-layer film according to any preceding claim wherein said multi-layer fiim is a coextruded multi-layer film.

9. A multi-layer film according to any preceding claim which is opaque, and preferably exhibits a Transmission Optical Density (TOD) of at least 1.0.

10. A multi-layer film according to any preceding claim which is white, and preferably exhibits a whiteness index of at ieast 95.

11. A multi-layer film according to any preceding claim which exhibits an L^* value of greater than 92.00; an a* value in the range from -2.00 to -0.50; and a b^* value in the range from -4.00 to -1.00.

12. A multi-layer film according to any preceding claim wherein said titanium dioxide is rutiSe titanium dioxide.

13. A multi-layer film according to any preceding claim wherein the amount of titanium dioxide in the polyester base layer is in the range from about 10 to about 15% by weight, relative to the total weight of the polyester layer.

14. A multi-layer film according to any preceding claim wherein said organic coating does not comprise or is not derived from a si lane, and/or wherein the organic coating is not or does not comprise a poiysiloxane, and/or wherein said organic coating is not or does not comprise a polyoSefin resin, and/or wherein said titanium dioxide particles are not titanium dioxide particles coated with a coupling agent and a polyoSefin resin.

15. A multi-layer film according to any preceding claim wherein said organic coating is an organophosphofus compound,

16. A multi-layer film according to any preceding claim wherein the titanium dioxide particles are coated with an alkylphosphonic acid or an ester of an alkylphosphonic acid wherein the alkylphosphonic acid contains from 8 to 22 carbon atoms.

17. A multi-layer fiim according to claim 18 wherein the alkylphosphonic acid or ester thereof has the formula wherein;

R is an alkyl group or a cycloaikyi group containing 8 to 22 carbon atoms; and R' and R² are each hydrogen, an alkyl group, a cycloatkyf group, an aryl group or an aralkyl group,

18. A multi-layer film according to claim 17 wherein R¹ and R² are independently selected from hydrogen and hydrocarbyl groups containing up to 10 carbon atoms, and preferably R¹ and R² are hydrogen.

19. A multi-layer fiim according to claim 16, 17 or 18 wherein the alkyl group of said aikylphosphinie acid, or R, contains from 8 to 14 carbon atoms and is a straight chain alkyl group, 20. A multi-layer film according to claim 16, 17, 18 or 19 wherein the aikyiphosphonic acid or ester thereof is selected from n-octyiphosphonic acid and its esters, n-decylphosphonic acid and its esters, 2-ethyihexyiphosphonic acid and its esters and camphyl phosphonic acid and its esters.

21. A multi-layer film according to any of claims 1 to 14 wherein said organic coating is a polymeric organic coating.

22. A multi-layer film according to claim 21 wherein the polymeric organic coating is derived from monomers containing carbon, hydrogen and oxygen atoms, and optionally further comprising nitrogen and/or phosphorus and/or sulphur atoms, and which preferably which do not contain silicon atoms,

23. A multi-iayer film according to claim 21 or 22 wherein the polymeric backbone of said polymeric coating does not contain silicon atoms.

24. A muiti-iayerfilm according to any of claims 21 to 23 wherein said titanium dioxide particles are obtainable by dispersing titanium dioxide particles in water at a pH value higher than the isoelectric point of said titanium dioxide particles (and preferably at a pH above 7 and preferably at a pH of 9 to 11 ) in the presence of a dispersing agent comprising a polymeric polybasic acid or a salt thereof to produce particles having a modified isoelectric point; adjusting the pH of the dispersion to a value below 9 but above the modified isoelectric point of the particles; and polymerising in the presence of the dispersion so produced one or more ethySenicaSSy unsaturated monomer(s) so that said titanium dioxide particles are coated with polymerised monomer.

25. A muiti-iayer film according to any of claims 21 to 24 wherein said coated titanium dioxide particles comprise a coherent inner coating formed from a dispersing agent comprising a polymeric poly basic acid or a salt thereof and an outer coating formed from the polymerisation of one or more ethylenicaliy unsaturated monomer(s).

26. A multi-layer film according to any of ciairns 21 to 25 wherein said coated titanium dioxide particles comprise a polymeric coating formed from the polymerisation of one or more ethylenically unsaturated rnonomer(s) wherein a dispersing agent comprising a polymeric polybasic acid or a salt thereof is incorporated into the polymeric coating during polymerisation.

27. A multi-layer film according to any of claims 24 to 28 wherein said polymeric polybasic acids are selected from: poiysulphonic acids, polyphosphonic acids and polycarboxylic acids, and preferably from polycarboxylic acids, or salts thereof. 28. A multi-layer film according to any of claims 24 to 27 wherein said polymeric polybasic acids are in salt form and wherein the acids are partially or fully neutralised, and/or the salts are the alkali metal salts or ammonium salts. 29. A multi-layer film according to claim 27 or 28 wherein said polymeric polybasic acids are selected from poiysulphonic acids selected from iignosulphonat.es, petroleum sutphonates and poSy(styrene sulphonates), including poly(sod!um 4~styrene suSphonate), or wherein said polymeric polybasic acids are selected from poiymaleic acids, polyacrylic adds, substituted acrylic acid polymers, acrylic copolymers, including copolymers of an acrylic acid with suiphonic acid derivatives, including 2-acrylamido, 2-methyl propane sulphonic acid, 30. A multi-layer film according to any of claims 24 to 29 wherein the amount of dispersing agent is from about 0.05 to about 5.0 wt%, preferably from about 0.1 to about 1.0 wt%, by weight of the titanium dioxide particle. 31. A multi-layer film according to any of ciairns 24 to 30 wherein said ethylenically unsaturated monomer is polymerisable in aqueous solvents, preferably wherein the polymer produced is insoluble in water and optionally cross-linked by a cross-linking agent. 32. A multi-layer film according to any of claims 24 to 31 wherein said ethylenically unsaturated monomer is selected from aliphatic and aromatic compounds containing a poiymerisabie unsaturated group, preferably wherein the poiymerisabie unsaturated group is selected from unsaturated carboxyiic acids and unsaturated carboxylic acid esters.

33. A multi-layer film according to any of claims 24 to 32 wherein said ethyienically unsaturated monomer is an acidic monomer selected from acrylic acid, methacrylic acid, iiacortic acid, maleic acid or its anhydride, fumaric acid and croionic acid, and esters of said acidic monomers, including methyl acrylate, ethyl acrylate, methyl methacrylate, butyl acrylate and ethyl methacrylate, and preferably wherein said ethyienically unsaturated monomer is selected from styrene, vinyl toluene, alpha methylstyrene, ethylene, vinyl acetate, vinyl chloride, acryionitrile, and fiuorinated monomers including fiuorinated alkenes, fiuorinated ethers, fiuorinated acrylic and methacrylic acids and esters thereof and fiuorinated heterocyclic compounds, and preferably wherein said ethyienically unsaturated monomer is selected from unsaturated carboxylic acids and unsaturated carboxylic acid esters, preferably from methyl acrylate, ethyl acrylate, butyl acrylate, butyl methacrylate, vinyl acetate and vinyl isobutylether. 34. A multi-layer film according to any of claims 24 to 33 wherein said polymeric organic coating is cross-linked, preferably by virtue of the presence of one or more cross-linking agents), preferably wherein the cross-linking agent is selected from di- and poly- functional ethyienically unsaturated monomers, preferably from ethylene glycol dimethacrySate, ethylene glycol diacrySate, allyl methacrylate, allyl acrylate, 1 ,3-butanedioi diacrylate, divinyl benzene and 1,3-butanediol dimethacryfate, preferably wherein said cross-linking agent in an amount of from about 1 wt% to about 20 wt%, preferably from about 1 wt% to about 10 wt%, based on the total weight of the ethylenically unsaturated monomer(s) 35. A multi-layer film according to any preceding ciaim wherein said coated titanium dioxide has a water content such that it exhibits a loss at 29Q°C of no greater than 1.0%, preferably no greater than 0,5%, as measured by couiometric Kari Fischer titration.

36. A multi-layer film according to any preceding claim wherein said organic coated titanium dioxide is not hydrophobic, and is preferably hydrophilic. 3 7. A multi-layer film according to any preceding claim wherein the organic coating is present in an amount of from about 0.1 to about 200 wt%, preferably from about 0.1 to about 100 wt%, from about 0.5 to about 100 wt%, from about 2.0 to about 20 wt%, by weight of the titanium dioxide.

38. A multi-layer film according to any preceding claim wherein the volume ratio of the titanium dioxide particle particles to the organic coating is from 1 ;1 to 1:25 by volume, and preferably from 1:2 to 1:8.

39. A multi-layer film according to any preceding claim wherein said titanium dioxide particles carry an inorganic coating, and wherein the organic coating is coated onto said inorganic- coated titanium dioxide particles.

40. A multi-layer film according to any preceding claim wherein said titanium dioxide particles have a volume-distributed median primary particle diameter in the range from 0,15 to 0.25 .

41. A multi-layer film according to any preceding claim wherein the thickness of the polyester base iayer (8) is in the range from 100 to 350 μ,m and the thickness of the or each heat- sealabie copolyester layer is in the range of from about 3 to about 30 . μm

42. A multi-layer fiim according to any of claims 1 to 41 wherein the multi-layer film comprises a polyester base layer (8), a first heat-sealable copolyester layer (A1) disposed on a first surface of the polyester base Iayer and a second heat-sealable copolyester layer (A2) disposed on a second surface of the polyester base Iayer.

43. A multi-layer film according to any of claims 1 to 41 wherein the multi-layer film comprises a polyester base iayer (B), a heat-sealable copolyester layer (A) disposed on a first surface of the polyester base Iayer and an ink-receptive layer disposed on the second surface of the polyester base layer, wherein said ink-receptive layer is different from said heat- sealable copolyester iayer (A), and wherein the ink-receptive layer comprises an acrylic resin.

44. A multi-layer film according to claim 43 wherein the acrylic resin comprises at least one monomer derived from an ester of acrylic acid and/or an ester of methacryiic acid, preferably an alkyl ester of acrylic and/or methacryiic acid where the alkyl group contains up to ten carbon atoms, and preferably wherein the acrylic resin comprises an alkyl acrylate and an alkyl methacrylafe, and preferably wherein the acrylate monomer is present in a proportion in the range from 20 to 80 mote% and the methacrylate monomer is present in a proportion in the range from 20 to 80 mole %.

45. A multi-layer film according to claim 43 or 44 wherein the thickness of the acrylic resin- containing Iayer is no more than 1 ,5 μ. m

46. A multi-layer film according to any preceding claim wherein the multi-layer film exhibits at least one and preferably all of the foilowing properties;

(i) an Ultimate Tensile Strength (UTS) in each of the longitudinal and transverse directions of the film of at least 1300 N/cm²;

(it) an Elongation To Break (ETB) in each of the longitudinal and transverse directions of the film of at least 250 %;

(iii) an F5 value in each of the longitudinal and transverse directions of the film of at least 860 N/cm²; and

(iv) a heat-seal strength to itself, wherein two multi-layer films comprising a polyester base layer and a copolyester heat-sealable layer are heat-sealed together such the heat- sea lable layers of each film are in contact with each other, of at least 12 N/cm, preferably at least 13 N/cm, preferably at least 14 N/cm, preferably at least 15N/cm. 47. A multi-layer card comprising a polymeric inlay layer having a first surface and a second surface, further comprising a first multi-layer film as defined in any of claims 1 to 48 which is disposed on the first surface of the polymeric inlay layer, and further comprising a first polymeric overlay layer which is disposed on said first multi-layer film, such that the layer order is polymeric inlay layer, first multi-iayer film and first polymeric overlay layer. 48. A multi-layer card according to claim 47 further comprising a second multi-layer film as defined in any of claims 1 to 46 which is disposed on a second surface of the polymeric inlay layer, and optionally further comprising a second polymeric overlay layer disposed on said second multi-layer film, such that the layer order is second polymeric overlay layer, second multi-layer film, polymeric inlay layer, first multi-layer film and first polymeric overlay layer, preferably wherein said second multi-layer film is the same as the first multilayer fiim, and preferably wherein said second polymeric overlay layer is the same as said first polymeric overlay layer. 49. A multi-layer card according to claim 47 or 48 wherein the or each multi-layer film comprises a single heat-sealabSe copolyester layer (A) and said multi-layer film is disposed in the multi-iayer card such that its heat-sealable copolyester layer (A) is facing the polymeric iniay layer. 50. A multi-layer card according to any of claims 47 to 49 wherein the polymeric inlay layer and the polymeric overlay layer are independently selected from polyester, polycarbonate, poSyolefin, PVC, ABS and paper, and preferably from PVC.

51. A multi-layer card according to any of claims 47 to SO wherein said polymeric cover layer is optically clear.

52. A multi-layer card according to any of claims 47 to 51 wherein the rnufti-iayer card has a thickness in the range from 250 to 850 μ, m 53, The use of the multi-layer film as defined in any of claims 1 to 48 as one or more iayer(s) in a multi-layer card further comprising a polymeric inlay layer and one or more polymeric cover layer(s) as defined in any of claims 47 to 52, preferably for the purpose of Improving the delamination resistance and/or durability of said multi-layer cards. 54. The use of titanium dioxide particles coated with an organic coating in a multi-layer film according to any of claims 1 to 46 for improving the delamination resistance of said multilayer film.

55. The use according to claim 54 wherein said titanium dioxide particles are as defined in any of claims 12 to 40.