WO2020080977A1 - Module de paiement sans contact pour dispositif portable - Google Patents

Module de paiement sans contact pour dispositif portable Download PDF

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Publication number
WO2020080977A1
WO2020080977A1 PCT/RU2019/050185 RU2019050185W WO2020080977A1 WO 2020080977 A1 WO2020080977 A1 WO 2020080977A1 RU 2019050185 W RU2019050185 W RU 2019050185W WO 2020080977 A1 WO2020080977 A1 WO 2020080977A1
Authority
WO
WIPO (PCT)
Prior art keywords
loop antenna
contactless payment
dielectric substrate
closed
module according
Prior art date
Application number
PCT/RU2019/050185
Other languages
English (en)
Russian (ru)
Inventor
Олег Умарович АЙБАЗОВ
Original Assignee
Олег Умарович АЙБАЗОВ
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Олег Умарович АЙБАЗОВ filed Critical Олег Умарович АЙБАЗОВ
Publication of WO2020080977A1 publication Critical patent/WO2020080977A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier

Definitions

  • the utility model relates to the field of contactless payment means, in particular, to contactless payment modules integrated into wearable devices.
  • Contactless payment modules are widely known, including an antenna located on a dielectric substrate, which are part of smart-card payment devices (see, for example, RU 2251742 C2, July 26, 2017).
  • the disadvantage of such modules is the need to use a specific tool for transactions (cards), which is inconvenient for the user.
  • a contactless payment module which includes a loop antenna formed by turns of conductive material, a microchip, the terminals of which are connected to the leads of the loop antenna, and a capacitor connected in parallel to the loop antenna, located on a dielectric substrate, which is part of a payment device made in the form of a wearable devices, namely rings (see, for example, RU 183111 ⁇ , 09/11/2018).
  • This well-known contactless payment module is adopted as the closest analogue of the claimed contactless payment module.
  • this contactless payment module is located on a dielectric substrate having a shape that allows you to place the payment tool on the user's finger.
  • the user's hand must be clenched into a fist, which creates certain inconveniences and limitations in use.
  • such a design of the contactless payment module requires additional time in the manufacture of rings of various sizes for users with different physical data and the need, as a result, the certification of each new product.
  • Another disadvantage of the known contactless payment module is its limited use, due to the possibility of integration only into a specific wearable device (ring) and the impossibility, therefore, of integration into other wearable devices, including accessories.
  • the technical problem solved by the claimed utility model consists in creating a contactless payment module for a wearable device made in as a compact unit, structurally independent of the wearable device, which can be integrated into wearable devices of various shapes, sizes, etc.
  • the contactless payment module which includes a loop antenna formed by turns of conductive material, a microchip whose terminals are connected to the leads of the loop antenna, and a capacitor connected in parallel with the loop antenna located on the dielectric substrate.
  • the turns of the loop antenna are located on said dielectric substrate with the formation in plan of a closed figure consisting of two symmetrical parts, each of which has a substantially arc shape.
  • the said symmetrical parts are conjugated to each other with the formation on one side of the said closed figure of an angular depression, preferably with an angle of less than 90 degrees, preferably having a smooth curve, and on the opposite side, an angled protrusion, preferably with an angle of more than 90 degrees.
  • the microchip is located essentially in the center of the figure, inside the turns of the loop antenna.
  • the dielectric substrate has a lateral surface substantially congruent with said figure.
  • the distance between the outermost turn of the loop antenna and the side surface of the dielectric substrate is preferably from 0.3 to 1 mm.
  • the described configuration of the claimed contactless payment module and the layout topology of its components make it possible to ensure its rigidity with sufficiently compact dimensions of the module, which makes the contactless payment module applicable to a wide variety of wearable devices. So, the contactless payment module can be used in a wearable device selected from the group including a ring, bracelet, pendant, key chain and other accessory.
  • the technical problem is solved, and the specified technical result is also achieved in private versions of the contactless payment module, according to one of which the distance between the two most remote from each other by points in the plane of symmetry of the said closed figure is preferably from 75 to 80% of the distance between two points of maximum curvature of each of the arcs.
  • the thickness of the dielectric substrate is from 0.76 to 0.85 mm.
  • the antenna turns are formed of wire.
  • the thickness of the antenna turns is preferably from 0.05 to 0.15 mm.
  • FIG. 1 is a schematic representation of the claimed contactless payment module in plan.
  • FIG. 2 is a schematic representation of the claimed contactless payment module in a preferred embodiment, in isometry.
  • the contactless payment module shown in FIG. 1 and FIG. 2 includes a loop antenna 1 formed by turns (e.g., wires) of conductive material (e.g., copper), a microchip 2, the terminals of which are connected to the terminals of the loop antenna 1, and a capacitive load (capacitor) 3 connected in parallel to the loop antenna 2, located on a flat dielectric (e.g. plastic) substrate 4.
  • a loop antenna 1 formed by turns (e.g., wires) of conductive material (e.g., copper)
  • a microchip 2 the terminals of which are connected to the terminals of the loop antenna 1
  • a capacitive load (capacitor) 3 connected in parallel to the loop antenna 2, located on a flat dielectric (e.g. plastic) substrate 4.
  • the turns of the frame antenna 1 are located on a flat dielectric substrate 4 with the formation in plan of a closed figure consisting of two symmetrical parts 1a and lb, each of which has a substantially arc shape.
  • the said symmetrical parts 1a and lb are conjugated with each other with the formation on one side of the said closed figure of an angular depression, preferably having a smooth rounding, preferably with an angle less than 90 degrees, and on the opposite side, an angled protrusion, preferably with an angle greater than 90 degrees.
  • the distance between two points as far as possible from each other in the plane of symmetry of the figure may, but not necessarily, be 75 to 80% of the distance between two points of maximum curvature of each of the arcs.
  • the shape of the said closed figure can be a stylized image of the heart and in the Cartesian coordinate system can be described, for example, by the following equation:
  • the dielectric substrate 4 has a side surface substantially congruent with said closed figure.
  • the distance between the outermost turn of the loop antenna 1 and the side surface of the dielectric substrate 4 is preferably from 0.3 to 1 mm. A larger value of this distance can lead to an unreasonable increase in the total size of the contactless payment module, and a smaller one - to the possible damage to the external turns of the frame antenna 1 when integrating the contactless payment module into a wearable device.
  • the loop antenna 1 of the described shape with the corresponding shape of the substrate 4 provides a more compact implementation of the claimed contactless payment module while maintaining its sufficient rigidity and ease of manufacture. This is achieved as a result of the arrangement of the turns of the frame antenna 1 and the implementation of the substrate 4 in the form of a symmetrical (i.e., evenly perceiving possible loads) closed figure having a smaller but nevertheless sufficient surface area and smooth bends to transmit the radio frequency signal without distortion determined by the shape of the figure and not requiring, therefore, additional technological methods for their formation, providing, in addition, an additional increase in the module's resistance to mechanical them loads.
  • the microchip 2 is located essentially in the center of the figure, i.e. inside the turns of the loop antenna 1, which also provides the contactless payment module compactness and the required rigidity and, therefore, versatility when integrated into various wearable devices.
  • the claimed contactless payment module having an external protective shell 5 (see Fig. 2), in which a loop antenna 1, a microchip 2 and a capacitive load 3 are provided, suitably provided by any prior art, including the initial placement of these module components in a fragment dielectric plate.
  • the claimed contactless payment module is used in the traditional way for funds for this purpose.
  • a contactless payment module into a wearable device, for example, a ring
  • the wearable device is brought to the contactless payment terminal and a transaction (payment) is carried out.
  • the terminal may additionally request information allowing identification of the owner of the wearable device, in particular, the pin code. Then the user enters the requested information, and if approved, the transaction is carried out.
  • the claimed contactless payment module due to its compact and rigid configuration, can be easily integrated into any suitable wearable device, in particular, in an accessory, including, but not limited to, a ring, bracelet, pendant, keychain.
  • the location of the turns of the loop antenna on a flat surface provides convenient use of the module as part of the payment instrument - a wearable device. It is possible to carry out a contactless payment module on a separate production line, which minimizes the time spent on manufacturing both the contactless payment module itself and the wearable device, providing the possibility of parallel technological operations, and also allows testing and subsequent certification of the contactless payment module, as separately from the final product, and in its composition.

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Details Of Aerials (AREA)

Abstract

Le modèle d'utilité se rapporte au domaine des moyens de paiement sans contact et concerne notamment des modules de paiement sans contact qui sont inégrés dans des dispositifs portables. Ce module de paiement sans contact comprend une antenne cadre formée par des spires d'un matériau conducteur de courant, une micropuce dont les sorties sont connectées aux sorties de l'antenne cadre, et une charge capacitive connectée en parallèle à l'antenne cadre, qui sont disposées sur un substrat diélectrique. Les spires de l'antenne cadre sont disposées sur un substrat diélectrique plan de manière à former dans le plan une figure close comprenant deux parties symétriques possédant chacune essentiellement une forme d'arc. Lesdites parties symétriques sont reliées entre elles de manière à former du côté de ladite figure close une gorge angulaire et, sur le côté opposé, une protubérance anguaire. La micropuce est disposée essentiellement au centre de la figure close, et le substrat diélectrique possède une surface latérale essentiellement congruente à ladite figure close. Ce modèle d'utilité permet d'augmenter la commodité d'utilisation du module paiement sans contact, d'élargir son domaine d'application, de réduire les pertes de temps lors de sa fabrication.
PCT/RU2019/050185 2018-10-16 2019-10-15 Module de paiement sans contact pour dispositif portable WO2020080977A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
RU2018136483 2018-10-16
RU2018136483 2018-10-16

Publications (1)

Publication Number Publication Date
WO2020080977A1 true WO2020080977A1 (fr) 2020-04-23

Family

ID=70284269

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2019/050185 WO2020080977A1 (fr) 2018-10-16 2019-10-15 Module de paiement sans contact pour dispositif portable

Country Status (1)

Country Link
WO (1) WO2020080977A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015128188A2 (fr) * 2014-02-27 2015-09-03 Féinics Amatech Teoranta Modules de puce rfid de transpondeur
RU167898U1 (ru) * 2016-06-29 2017-01-11 Акционерное общество "Пэй Ринг" Бесконтактная смарт-карта
RU2659184C1 (ru) * 2017-01-10 2018-06-28 Федеральное Государственное Унитарное Предприятие Ордена Трудового Красного Знамени Научно-Исследовательский Институт Радио (Фгуп Ниир) Составной электрически малый рамочный излучатель с зеркальной симметрией четвертого порядка и приемная триортогональная антенная система кв диапазона на его основе
RU183111U1 (ru) * 2018-06-06 2018-09-11 Акционерное общество "Пэй Ринг" Бесконтактная смарт-карта

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015128188A2 (fr) * 2014-02-27 2015-09-03 Féinics Amatech Teoranta Modules de puce rfid de transpondeur
RU167898U1 (ru) * 2016-06-29 2017-01-11 Акционерное общество "Пэй Ринг" Бесконтактная смарт-карта
RU2659184C1 (ru) * 2017-01-10 2018-06-28 Федеральное Государственное Унитарное Предприятие Ордена Трудового Красного Знамени Научно-Исследовательский Институт Радио (Фгуп Ниир) Составной электрически малый рамочный излучатель с зеркальной симметрией четвертого порядка и приемная триортогональная антенная система кв диапазона на его основе
RU183111U1 (ru) * 2018-06-06 2018-09-11 Акционерное общество "Пэй Ринг" Бесконтактная смарт-карта

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