Smart Credit Card or Debit Card with Multi-Layer Security Features

Abstract

The invention is an innovative system providing multi-layered security for credit cards used in banking and financial transactions, and is a smart credit card or debit card with multi-layered security features, including secure eSIM-based authentication, biometric fingerprint authorization, location-based security, cryptographic signature, energy efficiency, or transaction-oriented activity, used in payment systems, smart card technologies, biometric authentication, location-based authentication, cryptographic signature, or low-power energy management. This invention provides a secure, bidirectional cellular connection with the bank infrastructure thanks to the eSIM chip integrated into the card body (1) and the communication module, and a biometric fingerprint reader (3) that only allows the cardholder to approve transactions.It is a bank card with "active card architecture" that has multi-layered security features, resistant to both physical attacks (tampering, theft) and remote fraud, and has the ability to store biometric templates and cryptographic keys inside the card via the Secure Element (13), preventing export, generating an immutable cryptographic signature for each transaction, comparing the physical location of the card with the location of the device making the transaction thanks to the Location Determination Module (8) and Mobile Location Verification Module (12), integrating multiple energy sources with the Multiple Energy Harvesting Unit to ensure energy independence, and storing the energy obtained from all these sources in the lithium-polymer micro internal battery (5), the microcontroller (6), which is the brain of the card, managing all components and coordinating the transaction flow together with the secure element (13), using an LED indicator to give visual notification to the user, and having "active card architecture".

Description

1 TARIFF Smart Credit Card or Debit Card with Multi-Layer Security Features TECHNICAL AREA 5 The invention generally refers to a smart credit card with multi-layered security features, or bank cards and credit cards used in banking and financial transactions. It relates to an innovative system that provides multi-layered security for cardholders. The invention is particularly relevant to payment systems, smart card technologies, and biometric authentication. (biometric authentication), location-based authentication or in the fields of low-power energy management Secure eSIM-based authentication and biometric fingerprint authorization are used. Location-based security, cryptographic signature, energy efficiency, or transaction-oriented activity 15 with a smart credit card or debit card that offers multi-layered security features It is related. STATE OF THE ART Smart credit / debit cards with multi-layered security features are available in both physical and digital formats. By providing multiple lines of defense against attacks, it protects the user and finances. It aims to protect transactions. These cards typically use chip-based encryption, PIN, or password, biometric authentication, tokenization, or the use of masked numbers, Multiple security elements work together, such as real-time fraud monitoring. 25 The purpose of these applications is to prevent card theft, copying, data leakage, or counterfeiting. Minimizing risks such as transaction attempts; transactions should only be carried out by an authorized person. to ensure this is done; to increase trust between the bank and the user, and to regulate The goal is to ensure compliance with the requirements. This way, the "card only + PIN" model... Vulnerabilities are addressed, and security is enhanced with additional authentication layers. It is moved to the next level. Current credit and debit cards use magnetic stripe or contactless eSIM. It operates using embedded SIM (EMV) or contactless NFC technology. Security, 2 Typically, static passwords, CVV codes, and phone numbers are used for online shopping. This is ensured through SMS verification codes sent. Copying them, especially of the card... Inadequate in cases of copying, theft, or remote fraud. This remains the case. The user does not have access to SMS messages or SMS Security vulnerabilities arise in situations such as fraud. SMS-based 5 Verification methods protect against vulnerabilities such as SIM card cloning. They are vulnerable. PIN and CVV / CVC codes can be forgotten, stolen, or misplaced. It can be passed through. Current card systems typically require a 10-day grace period after fraud has occurred. It focuses on intervention and cannot always provide adequate security. Current biometric card solutions are powered solely by energy supplied from the POS terminal. It is capable of functioning, therefore the card's security role is passive in mobile or online transactions. It remains. Existing cards do not have e-SIM integration. Location Verification: Card-in-card encryption is not performed. Energy independence is limited. 15 The user is not offered direct feedback like with an LED. Therefore, the card The owner's physical identity and location are directly displayed on the card. A smart card that verifies, provides multi-layered security, and is energy-independent. A solution is needed. Based on research conducted under the known state of the art, US20200019956A1 Application number [number] was encountered. This application serves both the payment card function. It relates to a card system that includes and also provides "multi-functional" support. Specifically Storing biometric data on the card, interaction with the card terminal, and different cards 25 on the ability to combine functions (payment and other functions) on a single card The focus is on traditional card forgery, magnetic stripe copying, and PIN fraud. In an environment where risks such as cyberattacks exist, on-card biometric authentication is crucial. The aim is to reduce these risks through integration. This application involves storing biometric data within the card and integrating it with card transactions. This approach to using eSIM has been expanded. Here, “eSIM” or “embedded SIM / The concepts of "SIM profile" and "multifunction card" are not mentioned. software modules within, biometric authentication and terminal-card interaction The focus has been on the mechanisms. Location-dependent control of the process, GPS-based. 3 from a security layer such as control or geographical boundary demarcation There is no mention of a location-based control mechanism here. It has not been mentioned. Here, in order to ensure energy independence, the card is integrated with each other. It has sophisticated energy units consisting of working main layers, the energy unit, different Energy 5 is a multi-structured system that continuously or momentarily gathers energy from various sources. The layers are not mentioned. This card is designed to provide energy independence. It has sophisticated energy units consisting of a main layer that works in an integrated manner, an energy unit is a system that continuously or momentarily gathers energy from different sources. Energy layers with a structure have not been mentioned. In conclusion, a smart credit card or bank card with multi-layered security features. Improvements are being made to the cards, therefore the disadvantages mentioned above... new structures are needed that will eliminate these problems and provide solutions to existing systems. It is heard. THE PURPOSE OF THE INVENTION The present invention meets the aforementioned requirements and overcomes all the disadvantages. It has multi-layered security features that eliminate these problems and bring additional advantages. This relates to smart credit cards or debit cards. 20 The main purpose of the invention is to develop payment systems, smart card technologies, and biometric identification. authentication (biometric authentication), location-based authentication authentication) or low-power energy management Used in these fields, secure eSIM-based authentication with biometric fingerprinting 25 authorization, location-based security, cryptographic signature, energy efficiency, or transaction A smart credit card with multi-layered security features offering focused activity or It is to provide bank cards. One aim of the invention is to increase the financial security of users, enabling banks to... 30 reducing the costs of combating fraud and digital payments in general to reinforce confidence in their systems. 4 Another aim of the invention is to create a system that can solve problems in existing systems. Our goal is to provide a layered and integrated security solution. Another aim of the invention is to replace a passive card with one that is in constant communication with the bank and The subject of a self-sufficient process is to create an "active card" architecture. 5 The structural and characteristic features and all the advantages of the invention are given in the figures below. And thanks to the detailed explanation written with references to these figures, it becomes clearer. This will be understood as such. Therefore, the evaluation should also be based on these forms and details. This should be done taking the explanation into consideration. 10 BRIEF DESCRIPTION OF THE FIGURES The best way to utilize the advantages of the existing invention, together with its structure and additional elements. For understanding, it should be evaluated together with the figures explained below. It is necessary. 15 Figure 1. The subject of the invention is a smart credit card with multi-layered security features or This is the front view of a bank card. Figure 2. The subject of the invention is a smart credit card with multi-layered security features or This is the back view of a bank card. Figure 3. The subject of the invention is a smart credit system with multi-layered security features or 20 It shows the exploded appearance of a bank card. Figure 4. The subject of the invention is a smart credit or loan with multi-layered security features. This shows the block diagram of the Card Status Machine used in bank cards. REFERENCE NUMBERS 25 1. Card body 2. eSIM 3. Fingerprint reader 4. Solar panel 5. Internal battery 30 6. Microcontroller 7. Communication module 8. Location determination module 9. Status control module 10. LED Indicator 11. Mobile banking application 12. Mobile location verification module 5 13. Secure element IDLE: Waiting LOCATE: Location verification BIOMETRIC: Biometric reading 10 LOCK: Temporary lock SIGN: Signature TX: Transmission RESULT: Bank response OK: Successful 15 ERROR: Failed DETAILED EXPLANATION OF THE INVENTION This detailed description explains that the invention is a smart 20 with multi-layered security features. The preferred configurations for credit cards or debit cards are simply a better understanding of the subject. in order to facilitate understanding and without imposing any limiting effects It is explained. The invention, shown in Figure 3 with its exploded view, is for payment systems, smart cards 25 technologies, biometric authentication, location-based location-based authentication or low-power energy management used in power energy management fields, secure eSIM-based Verification, biometric fingerprint authorization, location-based security, 30 multi-layered systems offering cryptographic signatures, energy efficiency, or transaction-oriented activity. It is a smart credit card or debit card with security features. The subject of the invention is very... Smart card body containing layered multi-layer security features (1) credit card or debit card; 6  Communicating with the bank using encryption and confirming transactions via the card. an eSIM (2),  The mentioned eSIM (2) enables the bank to communicate with the cellular network, a communication module containing modem and antenna (7)  Capacitive 5 to verify user identity while preventing unauthorized access. a biometric fingerprint reader containing a sensor (3),  A location module that determines the user's location (8),  Instantaneous moment of operation detected by the mentioned location determination module (8) location information, transaction source such as POS terminal or internet IP address geographic location 10 by comparing its location in real time a mobile location verification module that detects discrepancies (12),  Data such as cryptographic keys and biometric fingerprint templates storing encrypted queries from the bank with its own internal secret key. a secure element that generates a cryptographic signature that solves (13),  Fingerprint 15 that controls the electronic components on the card body (1) biometric confirmation received from the reader (3), mobile location verification module (12) receiving the location verification information and subsequently generating a cryptographic signature sends the command to the secure element (13) and confirms the cryptographic signature a microcontroller (6) that sends to the bank to complete  The approval or rejection status detected by the mentioned microcontroller (6) 20 an LED Indicator (10) that shows to the user,  Thin film photovoltaic that can generate energy, integrated onto the card body (1) a solar panel containing a panel (4),  During contactless payment at sources such as POS terminals and ATMs, the reader terminal an energy harvesting unit that collects energy from the electromagnetic field it generates, 25  Piezoelectric or electromagnetic placed inside the card body (1) via a sensor in the structure, the cardholder walks or shakes the card, etc. a kinetic energy that converts daily movements and vibrations into electrical energy harvest unit,  An integrated antenna can receive radio signals from nearby Wi-Fi, Bluetooth, or cellular networks. an RF energy harvesting unit that passively collects energy from frequencies,  Generates energy from the difference between the cardholder's body temperature and the ambient temperature. a thermoelectric energy harvesting unit,  Lithium-polymer micro internal battery (5) that stores the generated energy, 7  Signal transmission from the e-SIM / modem, biometric reading, or LEDs It draws very high power (peak current) instantaneously, like a flash, to generate energy. supercapacitor that stores peak current, The card body (1) is designed to save energy when not in use. a status control module (9) 5 that puts the components into low power mode It includes. The invention, a credit or debit card, is shown in the front view in Figure 1. an e-SIM (2) (eUICC - Embedded Universal Integrated) embedded in its body (1) Circuit Card) Bank and low power cellular networks such as LTE-M, NB-IoT 10 It establishes continuous and secure communication through the modem. Here, the modem connects the e-SIM (2) to the network. It is a critical communication module that enables connection (7). Communication module (7), e-SIM (2) It provides cellular communication and near-field communication via NFC / Bluetooth. It manages a direct, secure, and encrypted cellular communication channel with the bank. This is how it is established. Thanks to this, transaction confirmations are sent directly to the card instead of via SMS, and SIM 15 This prevents card cloning attacks. This communication occurs even when the card is inactive. The plan continues with low power consumption. The communication module (7) is bidirectional with the bank. By establishing cryptographic communication, data such as transaction confirmations and dynamic card information are securely stored. It ensures that the data is somehow transmitted into the card. Thanks to a capacitive fingerprint reader (3) integrated into the card body (1), Transactions can only be approved by the authorized cardholder. The key feature is that the biometric verification process is entirely for credit card or bank transactions. This happens within the card itself, independently of external servers. The fingerprint template is stored inside the secure element (13) inside the card and is printed on the outside of the card 25 never sent. Secure element (13) user's biometric fingerprint the template, where cryptographic keys and sensitive data are stored, tamper-proof It is a robust hardware area. Verification processes are carried out without leaving the card. It is carried out in a secure environment. Its main task is to process encrypted queries from the bank. (challenge) Solving it with its internal secret key and 30 minutes after biometric verification. The goal is to generate an unalterable cryptographic signature (response). All these operations are performed on the card. It takes place in a completely safe environment, without going outside. via both the physical card body (1) and the mobile banking application (11) User location detected by the location determination module (8) during the operations performed, 8 An additional security is provided by verification via the mobile location verification module (12). A layer is created. This layer is based on the location where the operation is performed and the user's registered or usual location. Additional verification steps in case of discrepancies between locations. It may be requested or the transaction may be blocked. The invention concerns a smart card system that enhances the security and flexibility of card usage. for the purpose of working integrated with a mobile banking application (11) This mobile banking application (11) is designed by the cardholder using a smart card. It is installed on the device (phone / tablet) and specifically on the card's internal location module. (8) cannot receive the signal (e.g. in enclosed spaces or if the signal is deliberately blocked) (in cases where it is blocked) or online (Card-Not-Present) transactions are made It aims to provide additional security in these situations. In the invention, the reverse view of which is given in Figure 2, the thin material on the card body (1) Film photovoltaic (PV) solar panel (4), POS / NFC energy harvesting and kinetic energy 15 It collects energy from multiple sources such as harvesting. This energy is stored in the internal battery (5) and By storing energy in the supercapacitor, it remains constantly active without the need for external charging. It provides built-in solar panel (4) and POS / contactless charging that manages the energy from the charger. optimizing battery (5) charging and power flow to other components of the card It is an integrated circuit. 20 Biometric data on the card body (1) is kept inside the card before being sent out By processing and only transmitting the transaction confirmation signal, user privacy is maximized. It is intended to protect at the level of mobile banking application (11) Integration: Ensuring that the card's security features work in integration with the mobile application. 25 It enhances application security by providing location information within the mobile application. Verification is based on the mobile device's location, regardless of the card's physical location. It offers an extra layer of security by confirming the transaction. The card is only used securely for each transaction. a single-use element (13) that can be produced with a secret key stored inside. It creates a cryptographic signature (digital signature). This signature verifies that the transaction uses both the correct card and 30 mathematical and biometric verification confirming that it has been confirmed by the correct person. It provides irrefutable evidence. This mechanism is far superior to traditional methods of verification. It provides a level of security beyond that. 9 One of the most important innovations of our invention is that it is physically displayed on the card. an additional secret key (password) that is invisible but known to banking systems It provides a layer of verification. Here, the card is assigned a unique layer of authentication. a verification code (digital) using a fixed, immutable cryptographic key (signature) is generated. The bank uses this code with a secret key that it stores in its systems. It verifies its accuracy by comparing it with other methods such as card numbers or CVVs. It prevents fraud even in the event that physical data is stolen. Within the scope of the invention, the card is encrypted for every transaction made with the banking system. It uses a verification mechanism. This verification mechanism is integrated into the bank's infrastructure. depending on whether it's a fixed password-based or dynamically generated card-based password. It can be password / token based. In a hard encryption method, the confidential information is stored in the bank. The data from the card is verified with the key. In dynamic methods, the card is secure. a one-time password or cryptographic signature for each transaction via element (13) It produces and transmits it to the bank. Which method will be used will be decided during the implementation phase. While left to the discretion of banking institutions, the essential feature of the invention is its encryption. The verification infrastructure is provided by secure components located within the card. As shown in Figure 4, in the sample uses of the card that is the subject of the invention, the card, It manages its functionality through a series of states and transitions called the "Card Status Machine": 20 Deep Sleep is the state where the card is normally located, consuming minimum energy. This is the situation. Heartbeat, on the other hand, refers to the transfer of small amounts of money to the bank at specific intervals. It sends a heartbeat message. This ensures the connection between the card and the bank remains constant. It keeps the card active and takes the card out of the "passive" state. When a transaction begins, The banking system sends a special "wake-up" signal via the heartbeat channel. This 25 The signal changes the card from Deep Sleep or Heartbeat state to Challenge state. Event-Based Awakening is triggered by contact with a physical POS device or NFC. An event such as proximity can also trigger the card to become active. Card status the machine, the software and logical workflow of the card, different operational It shows the states and the transitions between these states. 30 Idle: The card is in its initial state when no transactions are taking place. It is in idle mode. Location Verification (LOCATE): A "Launch signal: eSIM message" from the bank. This triggers the process and the card enters the Location Verification (LOCATE) state. In the next step, the card's current location is determined by the authorized areas specified by the bank. They are compared. Biometric Reading (BIOMETRIC): After the location is successfully verified, the system, Biometric Reading (BIOMETRIC) status where it expects fingerprint data from the user. It is valid. Fingerprint reading and template comparison process, Secure Element (13) 5 It is done inside. Temporary Lock: Incorrect during Biometric Scanning. If an attempt is made, the card will enter Temporary Lock (LOCK) mode to protect itself. Signature: When biometric verification is successful, the card will be signed for the transaction. It switches to Signature status to prepare the summary. This summary is Secure Element (13) 10 It is cryptographically signed within. Transmission (TX): Signed data packet generated in SIGN status, Communication Module (7) It enters Transmission (TX) status to be sent to the bank. Bank Response (RESULT): The card is ready after the signature has been verified by the bank. It enters the Bank Response (RESULT) status to await the upcoming result. 15 Successful (OK) (LED Green) and Failed (ERROR) (LED Red): Received from the bank. The card status is finalized according to the "Bank verification" response. If the transaction is successful (OK). (LED turns green). If the operation fails (ERROR) for any reason. (LED turns red) The invention is based on a card that can operate on its own without needing an external charger for 20 seconds. an "active card" architecture that is capable and maintains constant communication with the bank. It creates. The card status machine, described in Figure 4, is a passive data reader for the card. from being a part of it to personally managing the authorization and verification flow in every transaction. technically proving that it is a central security controller (game changer) It is the most important component. To ensure energy independence, the card consists of 25 integrated components. It has sophisticated energy units consisting of working main layers: The energy unit, different It has a multi-faceted structure that continuously or momentarily gathers energy from various sources. This This ensures that the card never runs out of power under any circumstances. The card's power... To ensure its independence, a multi-energy harvesting system has been used. This system, It contains one or more energy units. For example, a 30 that collects energy from ambient light. Photovoltaic (PV) solar panels (4) collect energy from the cardholder's movements. kinetic energy harvesting sensor or thermoelectric device that generates energy from body heat They can have generators. The energy obtained from all these sources is stored in energy storage facilities. It is stored in the unit (5). The primary source, the solar panel (4), is integrated into the surface of the card. 11 It consists of thin-film photovoltaic (PV) panels and is powered by sunlight or artificial light. It continuously generates energy from ambient light. This energy feeds the internal battery (5) It keeps them alive by continuously feeding them using the "trickle-charge" method. Secondary In the energy harvesting unit, contactless payment methods are used, such as POS terminals and ATMs. Energy from the electromagnetic field generated by the reader terminal during payment 5 This allows for the collection of energy, especially from devices like biometric sensors and LEDs, that require high power at that moment. The necessary components are powered and additional support is provided to the battery. Supporting resources. The kinetic energy harvesting unit is placed inside the card body (1). Thanks to a piezoelectric or electromagnetic sensor, the cardholder's Everyday movements and vibrations, such as walking or shaking a card, are converted into electrical energy. It converts. As a passive source, it uses an RF energy harvesting unit, an integrated antenna, passively receives radio frequencies from nearby Wi-Fi, Bluetooth, or cellular networks. It can collect energy as a thermoelectric energy unit, card as a potential source. the potential to generate energy from the difference between the owner's body temperature and the ambient temperature It has the ability to efficiently store the energy produced and to meet immediate needs. A two-stage storage system is used for its usability. Lithium-polymer micro internal battery (5), solar panel (4) and other sources store energy It is the main power unit. In low-light environments or when power production stops. It ensures the card operates without interruption. Peak current stabilizing supercapacitor, e- 20 such as SIM / modem sending a signal, biometric reading, or LEDs turning on Used for processes that draw very high power (peak current) instantaneously. It extracts energy very quickly. thanks to its ability to discharge the load in some way, it takes this instantaneous charge not from the battery, It meets the demand from within itself. The invention is a power circuit that is an integrated circuit that manages all energy flow. It includes a power management unit (PMIC). It regulates energy from different sources. ensures safe and optimized charging of the battery and the other 25 of the card It distributes power to its components. When the card is not in use, the cellular modem, PSM (Power-On / Off) It switches to ultra-low power modes such as (Energy Saver Mode) or eDRX. In addition to its basic security features, our invention also offers protection against physical attacks. It protects itself. The Secure Element (SE) (13) of the card is protected when tampered with or impacted. When physical damage is detected, the Microcontroller (MCU) (6) saves sensitive data 30 By automatically deleting (self-destructing), it prevents information from being intercepted. Thus, Even if the card is lost or stolen, the biometric patterns and cryptographic information inside remain intact. The keys remain safe. 12 Unlike existing applications, the smart card that is the subject of this invention is only a passive one. It is not a verification element. The card receives messages via eSIM (embedded SIM) (2). two-way communication capability such as providing biometric authentication mechanisms and location Thanks to its verification, it always plays an active role in mobile, internet, ATM and POS transactions. It acts as a 'game setter', playing the game and managing the transaction's approval process. Card 5 It receives and sends messages; that is, it is not just a receiver, but an active party. Confirmation mechanism. The card itself is issued. This process is done via mobile banking transactions, online. It works in any environment, like online shopping. In other words, it works regardless of the environment in which the user is conducting the transaction. The physical card's active approval is activated. In current applications, credit or bank... The cards are inactive. The card is only active for transactions made through the bank, POS device, or ATM. It responds to requests, but does not direct the process flow. In our invention, however, the physical card... It has been made the game's organizer. The card is not just a passive verification tool; an active entity that can receive messages, send messages, and directly influence the transaction process. It is a component. This invention, unlike display boards, uses LEDs only in critical stages. By activating the display and biometric sensor, it consumes energy at a minimum level. 15 This ensures long-term sustainability. Mobile transactions, Internet / PC based. In shopping, transactions via POS device or ATM, the physical card itself It is an approval mechanism. Thus, a single security standard is applied to every type of transaction. It is implemented. The working principle of the invention is to achieve energy efficiency and multi-layered safety. It has an integrated structure based on the principle of energy efficiency. The card consumes energy when not in use. In order to save energy, the status control module (9) is put into deep sleep (passive). It is kept in this mode. This maximizes the card's battery life while keeping it ready for operation at all times. This ensures that it is ready. The energy collected by the solar panel (4) is stored in the included battery (5) It is stored continuously. This self-sufficiency feature eliminates the need for external charging. eliminates. The user can make a financial transaction via the mobile banking application (11) 25 When you initiate a transaction or use the card at a physical terminal, the bank backend The system receives this request. This transaction request is sent to the card by the bank via eSIM (2). It activates the card with an encrypted signal. This method is SMS-based. Authentication systems are facing SIM card cloning and phone line hijacking. It directly eliminates security vulnerabilities such as data transfer. The bank's backend system, 30 Determining the location of the card via the eSIM (2) and the location of the device where the process was initiated. the location it receives from the module (8) through the mobile location verification module (12) This layer matches and detects unauthorized user attempts at location manipulation. and eliminates remote fraud attempts at the very first stage. 13 It is a strong security layer that stops the process. This layer is based on the location of the device performing the operation. It works by comparing the physical location of the card. When a user initiates a transaction, The bank's backend system receives this request. The location of the device where the transaction started is determined. This... This is done via the mobile banking application (11) or online terminal. location The identification module (8) determines the geographical location of the card when each financial transaction is initiated. The bank determines the card's location (current location) based on the incoming transaction request. Compares the real-time location information from the location determination module (8). If the locations don't match (for example, the POS terminal / internet IP location is from a different city) If it arrives), the transaction is immediately rejected. This communication takes place via eSIM (2). The bank can verify the card's location via the mobile location verification module (12). the position it receives from the determination module (8) and the device where the process starts It compares the position of the microcontroller (6) and the communication during the process. It also interacts with module (7). If the location where the operation is performed and the location of the card are interconnected. If a discrepancy is detected between the locations, the system recognizes this as a risk factor. It evaluates. In case of an inconsistency, the system activates the approval mechanism at all. 15 It automatically rejects the process before it even starts. This prevents an unauthorized user from... when a transaction is initiated remotely, the location where the transaction is being made and the physical location of the card are... The discrepancy immediately halts the fraud attempt. This feature is particularly important. The most effective way to protect against social engineering attacks such as phone scams It is one of the measures. The card is stored in the secure element (13) only in each transaction. a one-time cryptographic signature (digital signature) that can be generated with a secret key This signature verifies that the transaction is both the correct card and biometrically authenticated. It provides mathematical and irrefutable proof that it was approved by the correct person. This mechanism provides a level of security far beyond traditional authentication methods. One of the most important innovations of our invention is that it physically displays 25 on the card. an additional secret key (password) that is invisible but known to banking systems It provides a layer of verification. In this method, the card is unique to itself. Verification using a fixed, assigned, and unchangeable cryptographic key It generates a code (digital signature). The bank stores this code in its own systems along with a secret key. It verifies its accuracy by comparing it with the card number or CVV 30. It prevents fraud even in cases where physical data, such as this, is stolen. Invention Within this scope, the card requires encrypted verification for every transaction made with the banking system. It uses a verification mechanism. This verification mechanism depends on the bank's infrastructure. either a fixed password-based system or a dynamically generated password / token by the card. 14 It can be based on. In a fixed encryption method, with a secret key stored at the bank. Data from the card is verified. In dynamic methods, the card is the secure element (13) It generates a one-time password or cryptographic signature for each transaction and It transmits this to the bank; the essential feature of the invention is the encrypted verification infrastructure located within the card. It is provided with secure components. From location verification and encryption and 5 verification, cryptographic verification signature mechanism for transactions that have passed successfully, The board's microcontroller (6) activates the LED indicator (10) without requiring a physical signal from the user. It indicates that it is awaiting approval. The user places their finger on the fingerprint reader on the card. (3) places it. This process ensures that the card is secured in case of theft or loss of an unauthorized card. This completely prevents its use. The most critical feature of this stage is biometric verification. 10 The entire process takes place within the card itself, independent of external servers and networks. This is how it happens. Biometric data is the secure element inside the card (13) It is compared with the template stored inside and is never sent outside the card. This approach protects user privacy and avoids centralizing biometric data in a central database. It completely eliminates the security vulnerabilities caused by keeping it at the base. 15 Once biometric verification is successful, the card is essentially "opened," and this status The card notifies the bank via the microcontroller (6). The card's microcontroller (6), eSIM (2) through the bank, confirmation that the transaction has been approved by the correct cardholder It sends an encrypted, immutable confirmation signal. This allows banking systems to verify the transaction. This is conclusive proof that it was carried out safely. At the same time, the 20 on the LED display... (10) The red light turns into a green light indicating that the transaction has been approved. Biometric If verification fails, the card sends a rejection signal to the bank and the light turns red. remains. The invention, in addition to financial transactions, allows for the verification of the cardholder's identity, whether physical or otherwise. It is also a reliable tool in any scenario where remote verification is required. will be used. This is a traditional form of identification such as a national identity card, driver's license, or passport. 25 It is a unique solution for situations where documents or signatures are insufficient. When a customer goes to a bank branch and needs to verify their identity, the officer on duty request authentication via the fingerprint reader (3) on the card This request is recorded by bank systems as a verification signal to the card. The message is sent. The customer instantly and securely identifies themselves by placing their finger on the reader within 30 minutes. This verifies the card. When verification is successful, the card will light up green and send the information to the bank. It confirms this by sending a confirmation signal. This is via phone authentication. the user verifies their identity during a conversation with customer service. If necessary, the bank customer representative will add an ID to the card via the system. It sends a verification signal. Upon receiving this signal, the card becomes active and prompts the user. It requests fingerprint authentication. The user physically places their finger on the card. It verifies your identity remotely. This verification is independent of the phone call. This only happens within the card itself. This allows malicious individuals to access the device via phone. This prevents the imitation or theft of personal information. 5 when the transaction is complete. or when no operation takes place within a certain period of time, the status control module (9) To minimize energy consumption, it switches the card back to passive mode. This situation, Our invention goes beyond being just a bank card; it's a multifunctional digital identity and transaction system. It indicates that it is a verification platform. Within the mobile banking application (11) The mobile location verification module (12) located on the smart device's (phone's) internal GPS 10 or determine the device's real-time geographic location using network-based location services. In the verification flow managed by the microcontroller (6), the card's internal when location information cannot be obtained or authorization query is online When it arrives from the source, the mobile location verification module (12) is activated. The card, When communicating with the bank via the Communication Module (7), the bank system is the same 15 By receiving real-time location information from this mobile application, the cardholder whether or not you were physically close to your card during the transaction Cross-verification. This secondary verification layer prevents remote fraud. It creates an additional safety barrier against these types of species."

Claims

16 REQUESTS 1. Power supply with multi-layered safety features, independent of external charging. an active, intelligent system that has a management system and protects itself against physical attacks. Credit card or debit card containing card body (1), feature; 5  Communicating with the bank using encryption and confirming transactions via the card. an eSIM (2),  The mentioned eSIM (2) enables the bank to communicate with the cellular network, a communication module containing modem and antenna (7)  Capacitive 10 to verify user identity by preventing unauthorized access. a biometric fingerprint reader containing a sensor (3),  A location module that determines the user's location (8),  Instantaneous moment of operation detected by the mentioned location determination module (8) location information, transaction source such as POS terminal or internet IP address geographic location 15 by comparing its location in real time a mobile location verification module that detects discrepancies (12),  Data such as cryptographic keys and biometric fingerprint templates storing encrypted queries from the bank with its own internal secret key. a secure element that generates a cryptographic signature that solves (13),  Fingerprint 20 which controls the electronic components on the card body (1) biometric confirmation received from the reader (3), mobile location verification module (12) receiving the location verification information and subsequently generating a cryptographic signature sends the command to the secure element (13) and confirms the cryptographic signature a microcontroller (6) that sends to the bank to complete  Thin film photovoltaic 25, which can generate energy, integrated onto the card body (1) a solar panel (4) containing a panel and  Lithium-polymer micro internal battery (5) that stores the generated energy,  The card body (1) is electronic to save energy when not in use. a status control module that puts the components into low power mode (9) It includes. 30 17 2. Smart credit card or bank card according to claim 1, and its feature is; card body (1) Low electronic components to save energy when not in use. It includes a status control module (9) that puts it into power mode.

3. Smart credit card or debit card according to claim 1, and its feature is; 5 showing the user the approval or rejection status detected by the microcontroller (6) It includes an LED indicator (10).

4. According to Claim 1, it is a smart credit card or debit card whose feature is; POS, ATM, etc. According to the sources, the 10 generated by the reader terminal during contactless payment. It includes an energy harvesting unit that collects energy from the electromagnetic field.

5. Smart credit card or bank card according to claim 1, and its feature is that the card body (1) a piezoelectric or electromagnetic sensor placed inside through everyday actions such as the cardholder walking and waving the card, and 15 a kinetic energy harvesting unit that converts vibrations into electrical energy It includes.

6. According to Claim 1, it is a smart credit card or debit card with the feature of having an integrated antenna, Passive 20 from radio frequencies such as surrounding Wi-Fi, Bluetooth or cellular networks It includes an RF energy harvesting unit that collects energy.

7. According to Claim 1, a smart credit card or debit card is characterized by the fact that it is owned by the cardholder. a thermoelectric device that generates energy from the difference between body temperature and ambient temperature It includes an energy harvesting unit. 25 8. According to claim 1, it is a smart credit card or debit card, and its feature is; e-SIM / modem instantaneous signals such as sending a signal, biometric reading, or LEDs turning on A peak current stabilizer stores energy by drawing very high power (peak current). It contains a supercapacitor. 30

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