Bank card with display screen

TECHNICAL FIELD

The present invention relates to a credit card with a display screen.

BACKGROUND ART

To protect transactions bank cards contain electronic chips. Company Europay, Mastercard and Visa developed the EMV standard (the initial letters of the name) in order to determine the standard interaction and security in the use of a credit card with a chip. To obtain EMV certification for a credit card, it is necessary to contain certified chip, which has a contact interface conforming to ISO7816 standard and / or a contactless interface that complies with ISO14443. To limit the risks of piracy EMV chips do not have other communication interfaces.

Moreover, implementation is also known chip cards, display screen and containing one or more push buttons for performing communication with the bearer of the card. Currently, these cards are not widely used and are intended to generate and displayed, one-time password for transactions carried out using a computer. Typically, these cards contain a chip equipped with a communication interface contact and contactless card with a chip and a communication port for communication with other integrated circuits, for example, such as the communication interface I2C, or programmable ports input / shared output (GPIO). This card microcontroller chip can communicate with the controller displays a screen that controls the liquid crystal display screen or the so-called "electronic ink."

You could create a bank card containing the screen to display the last transaction carried out. But the problem arises when you want to implement a card with a chip in the EMV standard. These cards do not have additional I / O port for this type of application, and preferred not to add other I / O ports for security reasons.

Therefore, the display can not be controlled using the EMV chip. In connection with this solution is necessary to enable the output at the last transaction screen performed using a chip card.

SUMMARY OF THE INVENTION

The invention provides a solution to the problem. To display the last screen in the transaction with a chip card microcontroller added a second in order to ensure the interception function and memorize transaction data.

In particular, the invention is a card with a chip for a secure transaction, comprising at least one secure chip equipped with a communication interface for communication with the reader card with the purpose of the transaction, characterized in that the card further comprises an electronic display screen, standalone battery and intercept circuit coupled to the communication interface for the secure chip interception of at least one type of instructions and stored in memory, at least information in order to derive its display screen.

Preferably interception circuit stores information exchanged in unencrypted form between the chip and a secure card reader. Capture information may be the amount of the transaction.

According to various embodiments, the card contains an actuator, which allows the card holder to display the intercepted information. This actuator may be a motion sensor. The actuator may be a push button, designed to enable energization of the display screen and interception scheme using an autonomous battery, power is turned off while exposure time scheme. The card may also include the use of a sensor to block or allow the reading of the work scheme. The sensor can be of use, for example, a light sensor.

According to various implementation options, the communication interface can be a contact interface, wherein the interception circuit is connected in parallel with the contacts cards, and / or may be a non-contact interface comprising first antenna, made in the form of coils inside the card, while intercepting circuit comprises a second antenna in the form of turns inside the card, the first and second antennas share a common magnetic flux. If the secure chip has two communication interfaces, the intercepting circuit being connected to both interfaces.

BRIEF DESCRIPTION OF DRAWINGS

The invention and its other features and advantages will be more apparent from the following description with reference to the accompanying drawings, in which: FIG. 1-3 illustrate three embodiments of the invention.

DESCRIPTION OF PREFERRED EMBODIMENTS

FIG. 1 shows a functional diagram of a first embodiment of the invention. In this embodiment, the bank card 100 is a contact chip card, which contains a protected chip 101 equipped with a communication interface corresponding to the ISO 7816 standard and connected to the connector 102, comprising contact pads 7816 also compliant chip 101 is protected, for example, microcircuit corresponding to the EMV standard, and includes a restricted data and other data called public. These restricted require a password or encrypted communications, while data may be publicly available for reading and / or writing by any reading device according to ISO7816 standard.

At the time of payment using the secure chip 101 bank card 100 is inserted into a secure card reader, which verifies the PIN-code is entered by the cardholder to verify his identity, and then place secure exchanges of information through encrypted messages between the card reader and possibly , the remote server to check whether or not to withdraw the amount from the card. When a transaction is completed, the data in the card and updated by the reading device for the specified amount of the transaction and, if necessary, the money balance on the card. Since the amount of the transaction stored in the memory card, do not have any legal value and does not constitute confidential information, they are usually written in the unprotected memory area that is accessible to all types of reading devices, corresponding to ISO7816 standard. As these data are not sensitive data, they are transmitted in unencrypted form using identifiable write commands.

For visual display of recent transactions carried out the bank card 100 is equipped with an electronic display screens 103, 104 and the battery circuit 150 interception teams. Intercepting circuit 150 may be formed as a single integrated circuit or, may comprise multiple circuits if necessary. From the viewpoint of manufacturing a sensing circuit 150 to perform the interception of the substrate in the card body by laminating in a conventional manner, providing contact with the rear side 102 of connector pads.

Electronic display screen 103 may be an LCD screen, or on-screen electronic ink using microbeads. The main thing that the display screen 103 was thin enough to be integrated in a card with a chip and that it consumes little energy. Battery 104 is a super slim battery integrable in the card chip. Depending on the required lifetime of the card and on the power consumption of the circuit 150 to intercept and display screen 103, you can choose rechargeable or non-rechargeable batteries.

The circuit 150 comprises a microcontroller 151 pickup, which is the brain center of the device and contains the programs necessary for operation of the whole complex, an electronic screen displaying control circuit 152 103, 155 power regulator and pushbutton 156.

The microcontroller 151 is a general diagram of the control intercept. The control circuit 152 serves to convert the recorded number supplied from the microcontroller 151 serves to convert the voltage outputted from the battery, a voltage for displaying a screen 103 and intercept circuit 150 into electrical signals the electronic control 103. The screen displaying the controller 155 power. Power controller 155 may also serve as a battery charger when the battery 104 is rechargeable. Charging occurs when the card is connected to an external reading device at the time of the transaction.

The microcontroller 151 is connected to the connector pads 102 to allow reading of all the messages exchanged between the secure chip 101 and the card reader. During the transaction between the card 100 and the reader, such as type of payment terminal, the microcontroller receives all exchanges of commands and data which pass through the connector 102. When the microcontroller 151 detects a command that corresponds to recording transaction amount in the secure chip 101, the microcontroller 151 stores the information in the nonvolatile memory.

The push button 156 is an actuator available to the card holder and intended to run the display recent transactions. By pressing the button 156 the microcontroller 151 activates interception scheme. Then, the microcontroller 153 reads the last transaction, which he kept in the memory, and sends the command to the control circuit 152 to derive the amount in the display screen 103.

Pressing the push button 156 may start reading and display of the previous transaction. Long press stops reading the transaction and provides a transition to the standby mode in which power is protected by circuit 101, a screen 103, the interface 153 and the control circuit is stopped and in which the microcontroller power supply 151 is provided only for the part, allowing to make the reactivation through a new pressing the push button. Lack pressing pushbutton 156 for a predetermined period, e.g., 1 to 2 minutes, also leads to a transition of the entire system in the standby mode.

In the embodiment, to maximize battery savings, the use of the push button may start power supply to the card elements by direct contact of the push button to activate the electronic switch. The advantage of this system is that it is possible to use a time delay circuit, for example, one to two minutes, to deactivate the electronic switch and to disconnect the current in the map.

FIG. 2 shows a functional diagram of a second embodiment of the invention. To simplify the description of the common elements of the first and second embodiments are denoted by like reference numerals, detailed description thereof is omitted. Equivalent elements are denoted by reference numerals of the first embodiment with the addition of letter "b".

In this second embodiment, 100b bank card is a contactless card with a microcircuit that contains a secure chip 101b, equipped with a communication interface corresponding to the ISO 14443 standard, and connected to an antenna 105 constructed in the form of coils inside the card housing. Protected chip 101b is, for example, a chip corresponding to the EMV standard, and comprises a restricted access data and other so-called public data. These restricted require a password or encrypted communications, while the public data available for reading and / or recording for any reading device according ISO 14443 standard.

At the time of payment using the secure chip 101b bank card 100b is placed in front of the antenna secure reader at this place secure exchanges of information through encrypted messages between the card reader and possibly a remote server, to check whether or not to write-off amounts from the card. When a transaction is completed, the data in the card in the reader and for said updated amount of the transaction and, if necessary, the money balance on the card. Since the amount of the transaction stored in the memory card, do not have any legal value and does not constitute confidential information, they are usually written in the unprotected memory area, and they are affordable for every type of reader according ISO14443 standard. In addition, the command to record the transaction amount is also unencrypted.

For visual display of the last transaction carried out bank card 100b is equipped with an electronic display screens 103, 104 and the battery circuit 150b interception. 150b interception scheme differs from the first embodiment of the communication interface 157 using the corresponding ISO standard 14443, and an antenna connected to the antenna 158. The antenna 158 is formed in the form of several turns and also inside the card body. Antennas 105 and 158 are arranged so that a common magnetic flux, the antenna has taken all the data transmitted and received secure chip 101b. Furthermore, the two antennas are arranged so as not to interfere with each other when they use electromagnetic flux reading device located outside the card.

The interface 157 also allows the receive energy from an external reading device for charging the battery 104 via the power controller 104. When the interface 157 detects the external field generated by the card reader, the interface 157 indicates this microcontroller 151, which activates the intercepting circuit 150b. The microcontroller 151 is programmed to monitor data exchanges, but not configured to automatically alarm when it detects the field. Thus, a transaction can be performed between the secure chip 101b and a card reader without interfering with the exchange of information by intercepting circuit 150b. When the microcontroller 151 detects a command that corresponds to the amount of the transaction record in a secure chip 101b, the microcontroller 151 stores the information in non-volatile memory.

By then pressing the pushbutton 156 on the transaction data is displayed, as described above with reference to FIG. 1.

FIG. 3 shows a functional diagram of a third embodiment of the invention, the improvement further comprising that can be used in combination with one of the embodiments described above execute. To simplify the description of the common elements of the first, second and third embodiments are denoted by like reference numerals, and detailed description thereof is omitted. Equivalent elements are denoted by reference numerals of the other embodiments with the addition of the letter "c".

In this third embodiment, bank card 100c is mixed card with a microcircuit that contains a secure chip 101c equipped with a communication interface corresponding to the ISO 7816 standard, which is connected to the connector 102, comprising the contact pads, also according to standard 7816 and is also equipped with a communication interface corresponding ISO 14443 and connected to standard antenna 105 constructed in the form of coils inside the card housing. Protected chip 101c is, for example, a chip corresponding to the EMV standard, and comprises a restricted access data and other so-called public data. These Restricted require the use of your password or encrypted messages, while the public data available for reading and / or writing for any reading device complying with standard ISO7816 or standard ISO 14443. Regardless of the type of connection both wired and wireless data transactions are sent using an unencrypted recording team.

For visual display of the last transaction carried out bank card 100c is equipped with an electronic display screens 103, 104 and the battery circuit interception 150c. 150c interception circuit differs from the two previous embodiments using both communication lines of the microcontroller 151 to connector pads 102 and communication interface 157 corresponding to ISO standard 14443, and an antenna 158 connected.

Among other changes can be noted that the push button 156 is replaced by the accelerometer 170 in order to avoid wear problems and faulty contacts associated with the push buttons, which are extremely sensitive to a microcircuit card. Thus, a simple gesture allows you to apply voltage to the interception scheme and display screen to display the transaction. It is possible to use the motion signatures to provide for a particular type of transaction, such as a previous or next transaction.

Using the push button or the accelerometer can also be run on the supply circuit 150c intercept power and display screen 1-3, when the card is in the reader or in the pocket. This type of operation can lead to premature battery. To avoid premature battery discharge, the use of light sensor 180 connected to the microcontroller 151, allows you to lock a job, if the sensor does not detect sufficient light.