Smart card with electrically conductive movable insert.

Abstract

The present invention relates to a contactless smart card (100), comprising: A first face (110) and a second face (120), opposite the first face (110), A first electronic circuit (111), comprising a first antenna (112) and a first secure element (113). It is essentially characterized in that it further comprises: A second electronic circuit (121), distinct from the first electronic circuit (111), comprising a second antenna (122) and a second secure element (123), and without electrical connection with the first electronic circuit (111), and An electrically conductive movable insert (200), the relative position of which with the smart card (100) makes it possible to selectively activate the first electronic circuit (111) or the second electronic circuit (121). Figure for abstract: Fig. 1

Description

Title of the invention: Smart card with electrically conductive mobile insert.

[0001] The present invention relates to the field of contactless smart cards.

[0002] Contactless smart cards are now well known and used for many numerous applications, indistinctly called functions. For example, in banking, a contactless chip card allows for cash payment or deferred or staggered payment over time.

[0003] There are also contactless smart cards for other non-banking applications, for example subscription cards, access cards, electronic purses, etc.

[0004] We are therefore seeing a multiplication of applications, which implies a multiplication of physical media. Such a multiplication of media is not eco-responsible since it requires, in particular, the use of just as much plastic.

[0005] Furthermore, from an ergonomic point of view, the multiplication of smart cards increases the volume required to store and transport them, with the same risks of loss or theft that this implies.

[0006] For the sake of brevity, the "contactless" character will generally be omitted in this description.

[0007] For the sake of brevity, a single example will also be taken here in which the contactless chip card is a bank card. This example is illustrative and not limiting.

[0008] In this field, it appears useful for a user to be able to use the same means of payment for several functions. If there are mobile applications for smartphones, the present invention aims here to propose a solution making it possible to implement at least two functions with a single smart card.

[0009] Thanks to the present invention, it is for example possible to implement: - A first payment function in a first currency, and - A second payment function in a second currency.

[0010] For example, the first currency is the EURO and the second currency is the US dollar or a cryptocurrency. A payment function is understood to mean indistinctly a debit (payment) or credit (reimbursement) order from a bank account.

[0011] It is also possible to implement: - A first immediate payment function in a first currency, and - A second deferred (or staggered) payment function in the first currency.

[0012] At a merchant, a user can thus choose the first function to pay in cash, or the second function to pay in X times, with X a natural integer which depends on the merchant.

[0013] For the purposes of the present invention, there is therefore a first electronic circuit which makes it possible to activate the first function, and a second electronic circuit which makes it possible to activate the second function, as described later.

[0014] In this context, the present invention relates to a contactless smart card (100),

[0015]

[0016]

[0017] including: - A first face (110) and a second face (120), opposite the first face (110), - A first electronic circuit (111), comprising a first antenna (112) and a first secure element (113). It is essentially characterized in that it further includes: - A second electronic circuit (121), distinct from the first electronic circuit (111), comprising a second antenna (122) and a second secure element (123), and without electrical connection with the first electronic circuit (111), and - An electrically conductive mobile insert (200), the relative position of which with the smart card (100) makes it possible to selectively activate the first electronic circuit (111) or the second electronic circuit (121). It can be provided that the movable insert (200) can be manually inserted into the smart card (100) on the first face (110) or on the second face (120), and, depending on the relative position of said insert and the smart card (100), the movable insert (200) ensures the closing of the first electronic circuit (111) or of the second electronic circuit (121), selectively activating said first electronic circuit (111) or said second electronic circuit (121). It can be predicted that: - The first antenna (112) and the second antenna (122) are superimposed on each other, - the first electronic circuit (111) is open by default, thanks to a discontinuity (130) of the first electronic circuit (111), the discontinuity (130) being physically accessible from the outside of the smart card (100) thanks to a cavity (140) arranged in one of the faces, and - the second electronic circuit (121) is open by default, thanks to a discontinuity (130) of the second electronic circuit (121) in this case a discontinuity (130) of the second antenna (122), the discontinuity (130) being physically accessible from the outside of the smart card (100) thanks to a cavity (140) arranged in the other face,

[0018] and in which: - the movable insert (200) can be selectively inserted into the cavity (140) of the first face (110), or into the cavity (140) of the second face (120), - said insert has a shape which matches that of the cavity (140) in which it can be inserted, - said insert comprising a conductive element which closes the circuit of the cavity (140) in which it is inserted, thus ensuring electrical conduction in the first electronic circuit (111) or in the second electronic circuit (121), - closing the first electronic circuit (111) or the second electronic circuit (121) selectively activating said first electronic circuit (111) or said second electronic circuit (121).

[0019] It can be predicted that: - The first antenna (112) and the second antenna (122) are substantially coplanar, - the first electronic circuit (111) is open by default, by a discontinuity (130) of said first electronic circuit (111), which is physically accessible from the outside of the smart card (100) thanks to a cavity (140) arranged in one of the faces, and - the second electronic circuit (121) is open by default, by a discontinuity (130) of said second electronic circuit (121), which is physically accessible from outside the smart card (100) thanks to said cavity (140), - the movable insert (200), the shape of which matches that of the cavity (140), can be inserted into said cavity (140) selectively in a first position or in a second position, by rotation of the movable insert (200) in a plane parallel to the plane of the smart card (100).

[0020] It can be predicted that: - The first antenna (112) and the second antenna (122) are substantially coplanar, - the first electronic circuit (111) is open by default, by a discontinuity (130) of said first electronic circuit (111), which is physically accessible from the outside of the smart card (100) thanks to a cavity (140) arranged in one of the faces, and - the second electronic circuit (121) is open by default, by a discontinuity (130) of said second electronic circuit (121), which is physically accessible from outside the smart card (100) thanks to said cavity (140), - the movable insert (200), the shape of which matches that of the cavity (140), can be inserted into said cavity (140) selectively in a first position or in a second position, by translation of the movable insert (200) in a plane parallel to the plane of the smart card (100), - said insert comprising a first electrically conductive element making it possible to close the first electronic circuit (111) when the insert is arranged in the first position; and a second electrically conductive element making it possible to close the second electronic circuit (121) when the insert is arranged in the second position; • the first position ensuring the closing of the first circuit, selectively activating said first electronic circuit (111); and • the second position ensuring the closing of the second electronic circuit (121), selectively activating said second electronic circuit (121).

[0021] It can be predicted that: - The first antenna (112) and the second antenna (122) are superimposed on each other, - the first electronic circuit (111) is open by default, by a discontinuity (130) of said first electronic circuit (111), which is physically inaccessible from outside the smart card (100), and - the second electronic circuit (121) is open by default, by a discontinuity (130) of said second electronic circuit (121), which is physically inaccessible from outside the smart card (100), - The movable insert (200) is arranged in the smart card (100) between the discontinuity (130) of said first electronic circuit (111) and the discontinuity (130) of said second electronic circuit (121), - When the smart card (100) is substantially horizontal, by gravity the movable insert (200) selectively adopts: • a first position in which said movable insert (200) closes the first electronic circuit (111); or • a second position, returned around a horizontal axis relative to the first position, in which said movable insert (200) closes the second electronic circuit (121).

[0022] It can be provided that the movable insert (200) is in a solid or liquid form.

[0023] It can be provided that the movable insert (200) comprises a metal or alloy material, the density of which is greater than a predetermined threshold value.

[0024] It can be predicted that:

[0025] - the first antenna (112) and the second antenna (122) are arranged so that when the first antenna (112) emits a magnetic field, respectively when the second antenna (122) emits a magnetic field, then the inductive coupling with the second antenna (122), respectively with the first antenna (112), is less than a predetermined value.

[0026] A shielding element may be provided to limit inductive coupling between the first antenna (112) and the second antenna (122).

[0027] Preferably, the limitation of the inductive coupling between the first antenna (112) and the second antenna (122) consists of avoiding any inductive coupling.

[0028] Other characteristics and advantages of the present invention will appear more clearly on reading the following description given by way of illustrative and non-limiting example and made with reference to the appended figures.

[0029] The figures are not to scale. Some details have been omitted and others enlarged, to facilitate understanding.

[0030] DESCRIPTION OF THE DRAWINGS

[0031] [Fig.l] illustrates in cross-section a partial view of an embodiment of a smart card according to the invention, before insertion of the movable insert into the first face,

[0032] [Fig.2] illustrates the embodiment of [Fig.l], after insertion of the movable insert in the first position,

[0033] [Fig.3] illustrates the embodiment of [Fig.l], after insertion of the movable insert in the second position,

[0034] [Fig.4] illustrates in cross-section a partial view of an embodiment of a smart card according to the invention, before inserting the movable insert into the first face,

[0035] [Fig.5] illustrates the embodiment of [Fig.4], after insertion of the movable insert in the first position,

[0036] [Fig.6] illustrates the embodiment of [Fig.4], after insertion of the movable insert in the second position,

[0037] [Fig.7] illustrates in cross-section a partial view of an embodiment of a smart card according to the invention, after insertion of the movable insert, in the first position,

[0038] [Fig.8] illustrates the embodiment of [Fig.7], after insertion of the insert mobile, in the second position,

[0039] [Fig.9] illustrates in cross-section a partial view of an embodiment of a smart card according to the invention, with the movable insert in the first position,

[0040] [Fig. 10] illustrates the embodiment of [Fig.9], with the movable insert in the second position,

[0041] [Fig. 11] illustrates in top view an embodiment of a smart card according to the invention,

[0042] [Fig. 12] illustrates in cross-section the insert of [Fig. 11],

[0043] [Fig. 13] illustrates in top view, an embodiment of a smart card according to the invention. DETAILED DESCRIPTION

[0044] In a known manner, a smart card 100 is generally flat and comprises a first face 110 and a second face 120, opposite the first face 110.

[0045] In use, a contactless chip card 100 is intended to be placed substantially horizontally on a magnetic reader.

[0046] A smart card 100 comprises a first electronic circuit 111. The first electronic circuit 111 comprises a first antenna 112, enabling communication with a smart card reader 100, and a first secure element 113, which comprises a secure processor, and a data set.

[0047] Activation of the first electronic circuit 111 makes it possible to implement a first function, for example a payment in a first predetermined currency.

[0048] According to the invention, a smart card 100 further comprises a second electronic circuit 121, distinct from the first electronic circuit 111 and without electrical connection with the first electronic circuit 111.

[0049] The second electronic circuit 121 comprises a second antenna 122, enabling communication with a smart card reader 100, and a second secure element 123, which comprises a secure processor, and a data set.

[0050] Activation of the second electronic circuit 121 makes it possible to implement a second function, for example a payment in a second predetermined currency.

[0051] Preferably, a first module and a second module are provided, arranged on either side of the smart card 100.

[0052] Obviously, the activation of the first electronic circuit 111 must not activate the second electronic circuit 121, and vice versa.

[0053] For this purpose, it is provided that the first electronic circuit 111 and the second electronic circuit 121 are open by default, thanks to a discontinuity 130 of the first electronic circuit 111 and a discontinuity 130 of the second electronic circuit 121 respectively.

[0054] The first electronic circuit 111 and the second electronic circuit 121 are RLC circuits. Since they are open by default, the resistance R tends towards infinity and no current flows.

[0055] To selectively implement the first or second function, an electrically conductive mobile insert 200 is provided, the relative position of which with the card at chip 100 makes it possible to selectively close and respectively the first electronic circuit 111 or the second electronic circuit 121, therefore to selectively activate and respectively the first electronic circuit 111 or the second electronic circuit 121, that is to say to selectively implement and respectively a first or a second function, as described below.

[0056] The mobile insert 200 is entirely electrically conductive, or comprises an electrically conductive element 210, 211, 212, for example a coating, over all or part of its periphery. For brevity, we therefore mean here indistinctly “mobile insert” and “electrically conductive element”.

[0057] The movable insert 200, when it is in galvanic contact with the first electronic circuit 111, respectively with the second electronic circuit 121, fills the discontinuity 130 of the first electronic circuit 111, respectively of the second electronic circuit 121, and thus electrically closes the first electronic circuit 111, respectively the second electronic circuit 121.

[0058] In this case, the discontinuity 130 of the first electronic circuit 111, respectively of the second electronic circuit 121 is a discontinuity 130 of the first antenna 112, respectively of the second antenna 122.

[0059] In a first embodiment, illustrated in FIGS. 1 to 8, the movable insert 200 can be manually inserted into the smart card 100.

[0060] In this case, it can be inserted on the first face 110 or on the second face 120 of the smart card 100, in a recess, or cavity 140, described later, the shape of which it matches.

[0061] Depending on the relative position of said insert and the smart card 100, the insert ensures the closing of the first electronic circuit 111 or the second electronic circuit 121, selectively activating said first electronic circuit 111 or said second electronic circuit 121.

[0062] The mobile insert 200 can be equipped with a pin to facilitate handling.

[0063] It is also possible to provide a keying device on the mobile insert 200 or on the smart card. 100, or a shape of the cavity 140 such that the movable insert 200 can only be inserted therein in a single position. It is also possible to provide a marking 220 on the movable insert 200, for example a symbol, or an inscription in the same direction as the alphanumeric characters of the first face 110 or the second face 120, allowing a user to know in which direction to insert the movable insert 200 into the cavity 140.

[0064] According to a first variant of the first embodiment, illustrated in FIGS. 1 to 3, the first antenna 112 and the second antenna 122 are substantially planar, parallel to the plane of the smart card 100 and superimposed on each other.

[0065] Typically, the two antennas are full antennas called “full ID1” which occupy the entire surface of the smart card 100.

[0066] The first face 110 comprises a first recess which provides access to at least one conductive track of the first electronic circuit 111.

[0067] Similarly, the second face 120 comprises a second recess which provides access to at least one conductive track of the second electronic circuit 121.

[0068] Preferably, the first recess and the second recess are identical, so that the same mobile insert 200 can be inserted indiscriminately into the first recess or into the second recess.

[0069] Alternatively, it is also possible to provide that the first recess and the second recess have a different shape, so as to have a respective mobile insert 200 per recess, therefore per face of the smart card 100.

[0070] The first electronic circuit 111 is open by default thanks to a discontinuity 130 of the first electronic circuit 111. This discontinuity 130 of the first electronic circuit 111 is physically accessible from the outside of the smart card 100 thanks to a cavity 140 arranged in the first face 110.

[0071] The second electronic circuit 121 is open by default thanks to a discontinuity 130 of the second electronic circuit 121. This discontinuity 130 of the second electronic circuit 121 is physically accessible from the outside of the smart card 100 thanks to a cavity 140 arranged in the second face 120.

[0072] The movable insert 200 can be selectively inserted into the cavity 140 of the first face 110 or into the cavity 140 of the second face 120. For this purpose, it has a shape which matches that of the cavity 140 in which it can be inserted.

[0073] When it is inserted into a cavity 140, the movable insert 200 is in contact with the first electronic circuit 111 or the second electronic circuit 121. As the movable insert 200 is conductive, its insertion closes the circuit of the cavity 140 in which it is inserted, thus ensuring electrical conduction in the first electronic circuit 111 or in the second electronic circuit 121.

[0074] Closing the first electronic circuit 111 or the second electronic circuit 121 selectively activates the first electronic circuit 111 or the second electronic circuit 121, thereby implementing a first function or a second function respectively.

[0075] It is also possible to provide a third cavity 140, in which the insert can be stored by default, and which does not close either the first electronic circuit 111 or the second electronic circuit 121.

[0076] According to a second variant of the first embodiment, illustrated in FIGS. 4 to 6, the first antenna 112 and the second antenna 122 are substantially coplanar, not superimposed.

[0077] In this variant, the first antenna 112 and the second antenna 122 are also called “half-antennas” and the smart card 100 has the first module and the second module on the same face, which comprises a single cavity 140, in this case on the first face 110.

[0078] The movable insert 200 can be inserted into said cavity 140 selectively in a first position or in a second position.

[0079] In the first position, the movable insert 200 is in contact with the first electronic circuit 111, and the second electronic circuit 121 remains open. As the movable insert 200 is conductive, its insertion closes the first electronic circuit 111, thus ensuring electrical conduction in the first electronic circuit 111.

[0080] In the second position, the movable insert 200 is in contact with the second electronic circuit 121, and the first electronic circuit 111 remains open. As the movable insert 200 is conductive, its insertion closes the second electronic circuit 121, thus ensuring electrical conduction in the second electronic circuit 121.

[0081] Closing the first electronic circuit 111 or the second electronic circuit 121 selectively activates the first electronic circuit 111 or the second electronic circuit 121, thereby implementing a first function or a second function respectively.

[0082] Preferably, the shape of the cavity 140 has, when viewed from above when the card is horizontal, a symmetry with respect to a vertical plane. For example, the cavity 140 has a rectangular shape.

[0083] The movable insert 200 can adopt the first position or the second position by rotation thereof in a plane parallel to the plane of the smart card 100, which includes in the plane of the smart card 100.

[0084] To indicate to the user the direction in which to insert the mobile insert 200, it may be provided that the mobile insert 200 comprises a graphic representation, for example a colored shape, in this case a triangle in [Fig. 1 1], possibly in relief or in hollow, in particular at the end by which the mobile insert 200 is conductive.

[0085] Preferably, it is provided that the corresponding face of the card also comprises a graphic representation, for example a colored shape, possibly in relief or in hollow, corresponding to that of the movable insert 200, making it possible to easily indicate to the user which circuit is activated. As illustrated in [Fig. 11] it can be provided that the currency EURO is written in one direction when the first electronic circuit is activated, and that the currency USD is written in the other direction when the second electronic circuit is activated. The marking 220, in this case a triangle symbol on the movable insert 200, makes it possible to easily determine which circuit EUR or USD is activated depending on the position of the movable insert 200. In this case, as illustrated in [Fig. 12], in cross-section, the marking 220 of the movable insert 200 is at the right of the electrically conductive element 210.

[0086] The movable insert 200 can be inserted into the cavity 140. For this purpose, it has a shape which matches that of the cavity 140, or which fits into it. For example, the shape of the cavity 140, seen from above, can be circular and that of the movable insert 200 rectangular, so that the free spaces between the movable insert 200 and the edges of the cavity 140 can allow a user to pivot the movable insert 200 in the plane of the smart card 100 (see [Fig. 13]).

[0087] According to a third variant of the first embodiment, illustrated in Figures 7 and 8, in a manner similar to the second variant above, the first antenna 112 and the second antenna 122 are substantially coplanar.

[0088] In this variant, the first antenna 112 and the second antenna 122 are also called “half-antennas” and the smart card 100 has the first module and the second module on the same face, which comprises a single cavity 140.

[0089] The movable insert 200 can be inserted into said cavity 140 selectively in a first position or in a second position. It comprises a first electrically conductive element 211 and a second electrically conductive element 212.

[0090] In the first position, the movable insert 200, via its first electrically conductive element 211, is in contact with the first electronic circuit 111, and the second electronic circuit 121 remains open. As the movable insert 200 is conductive, its insertion closes the first electronic circuit 111, thus ensuring electrical conduction in the first electronic circuit 111.

[0091] In the first position, the second electrically conductive element 212 of the movable insert 200 is not in contact with the first electronic circuit 111, nor with the second electronic circuit 121, for example thanks to a third discontinuity 130 (shown in [Fig.7] and [Fig.8]), said third discontinuity 130 being able to be replaced by an electrically insulating element (not illustrated).

[0092] In the second position, the movable insert 200, via its second electrically conductive element 212, is in contact with the second electronic circuit 121, and the first electronic circuit 111 remains open. As the movable insert 200 is conductive, its insertion closes the second electronic circuit 121, thus ensuring electrical conduction in the second electronic circuit 121.

[0093] Closing the first electronic circuit 111 or the second electronic circuit 121 selectively activates the first electronic circuit 111 or the second electronic circuit 121, thereby implementing a first function or a second function respectively.

[0094] The movable insert 200 can adopt the first position or the second position by translation thereof in the cavity 140, in a plane parallel to the plane of the chip card 100.

[0095] In a second embodiment, illustrated in Figures 9 and 10, the insert mobile 200 cannot be manually inserted into the smart card 100, but is contained within the body of the smart card 100.

[0096] In this embodiment, the first antenna 112 and the second antenna 122 are superimposed on each other, as according to the first variant of the first embodiment.

[0097] The first electronic circuit 111 is open by default thanks to a discontinuity 130 of the first electronic circuit 111. This discontinuity 130 of the first electronic circuit 111 is physically inaccessible from outside the smart card 100.

[0098] The second electronic circuit 121 is open by default thanks to a discontinuity 130 of the second electronic circuit 121. This discontinuity 130 of the second electronic circuit 121 is physically inaccessible from outside the smart card 100.

[0099] In this embodiment, the user of the smart card 100 therefore does not have to insert a mobile insert 200 into a cavity 140.

[0100] In this embodiment, the movable insert 200 is arranged in the smart card 100, between the discontinuity 130 of said first electronic circuit 111 and the discontinuity 130 of said second electronic circuit 121.

[0101] When the smart card 100 is substantially horizontal, by gravity the mobile insert 200 selectively adopts:

[0102] - a first position in which said movable insert 200 closes the first circuit electronics 111; or

[0103] - a second position, returned around a horizontal axis relative to the first position, in which said movable insert 200 closes the second electronic circuit 121.

[0104] As the movable insert 200 is conductive, its contact with the discontinuity 130 of an electronic circuit closes said electronic circuit of the smart card 100 with which it is in contact by gravity, thus ensuring electrical conduction in said electronic circuit, for example the first electronic circuit 111.

[0105] It is then sufficient to turn over the smart card 100 so that the mobile insert 200 is in contact, by gravity, with the other electronic circuit, for example the second electronic circuit 121.

[0106] Closing the first electronic circuit 111 or the second electronic circuit 121 selectively activates the first electronic circuit 111 or the second electronic circuit 121, thereby implementing a first function or a second function respectively.

[0107] In a first variant of the second embodiment, the mobile insert 200 is in an electrically conductive liquid, in particular in the form of a drop. Preferably, the viscosity of the liquid is provided to be within a predetermined range of values.

[0108] In a second variant of the second embodiment, the mobile insert 200 is in a solid form, for example a sphere or a rectangular parallelepiped, the edges of which may be rounded.

[0109] It can be provided that the mobile insert 200 comprises a first conductive face 110 and a second conductive face 120, opposite the first, or that the mobile insert 200 is entirely conductive.

[0110] The first conductive face 110 is configured to electrically close the discontinuity 130 of the first electronic circuit 111, and the second conductive face 120 is configured to electrically close the discontinuity 130 of the second electronic circuit 121.

[0111] For example, the mobile insert 200 comprises an electrically conductive metal or alloy material, for example at least one of: tungsten, osmium, silver, iridium, mercury, molybdenum, gold, palladium, platinum, lead, tantalum. Advantageously, the density of the mobile insert 200 is greater than a predetermined threshold value, for example greater than 10,000 kg / m3.

[0112] It can be provided that the mass of the mobile insert 200 is approximately 5g for dimensions such that the surface area of ​​said mobile insert 200 in the plane of the smart card 100 is less than or equal to 10 cm2.

[0113] Preferably, the first antenna 112 and the second antenna 122 are arranged so that when the first antenna 112 emits or receives a magnetic field, respectively when the second antenna 122 emits or receives a magnetic field, then the inductive coupling with the second antenna 122, respectively with the first antenna 112, is less than a predetermined value, preferably zero.

[0114] For this purpose, when the first antenna 112 and the second antenna 122 are substantially planar, parallel to the plane of the smart card 100 and superimposed on one another, a shielding element can be provided arranged between the first antenna 112 and the second antenna 122, to avoid inductive coupling between the first antenna 112 and the second antenna 122. In this case the shielding element is a shielding sheet, in particular made of ferrite.

[0115] Thanks to the present invention, a single smart card 100 can group together several applications, or functions, which can be selectively activated thanks to a mobile insert 200, which is a passive mechanical system making it possible to select one resonant electronic circuit or another.

[0116] Nomenclature

[0117] 100 Smart card

[0118] 110 first side

[0119]

[0120]

[0121]

[0122]

[0123]

[0124]

[0125]

[0126]

[0127]

[0128]

[0129]

[0130]

[0131]

[0132] 111 first electronic circuit 112 first antenna 113 first secure element 120 second face 121 second electronic circuit 122 second antenna 123 second secure element 130 discontinuity 140 cavity 200 movable insert 210 electrically conductive element 211 first electrically conductive element 212 second electrically conductive element 220 marking

Claims

1. Claims Contactless smart card (100), comprising: - A first face (110) and a second face (120), opposite the first face (110), - A first electronic circuit (111), comprising a first antenna (112) and a first secure element (113), - A second electronic circuit (121), distinct from the first electronic circuit (111), comprising a second antenna (122), and without electrical connection with the first electronic circuit (111), - An electrically conductive mobile insert (200), the relative position of which with the smart card (100) makes it possible to selectively activate the first electronic circuit (111) or the second electronic circuit (121) Characterized in that: - The first electronic circuit (111) comprises a first secure element (113), - the second electronic circuit (121) comprises a second secure element (123), - The first antenna (112) and the second antenna (122) are superimposed on each other, - the first electronic circuit (111) is open by default, thanks to a discontinuity (130) of the first electronic circuit (111),, and - the second electronic circuit (121) is open by default, thanks to a discontinuity (130) of the second electronic circuit (121) in this case a discontinuity (130) of the second antenna (122), and in which: - the movable insert (200) can be selectively inserted into the cavity (140) of the first face (110), or in the cavity (140) of the second face (120),

2. - said insert has a shape which matches that of the cavity (140) in which it can be inserted, - said insert comprising a conductive element (210) which closes the circuit of the cavity (140) in which it is inserted, thus ensuring electrical conduction in the first electronic circuit (111) or in the second electronic circuit (121), - closing the first electronic circuit (111) or the second electronic circuit (121) selectively activating said first electronic circuit (111) or said second electronic circuit (121). Contactless smart card (100), comprising: - A first face (110) and a second face (120), opposite the first face (110), - A first electronic circuit (111), comprising a first antenna (112) and a first secure element (113), - A second electronic circuit (121), distinct from the first electronic circuit (111), comprising a second antenna (122) and a second secure element (123), and without electrical connection with the first electronic circuit (111), and - An electrically conductive mobile insert (200), the relative position of which with the smart card (100) makes it possible to selectively activate the first electronic circuit (111) or the second electronic circuit (121) Characterized in that: - The first antenna (112) and the second antenna (122) are superimposed on each other, - the first electronic circuit (111) is open by default, by a discontinuity (130) of said first electronic circuit (111), which is physically inaccessible from outside the smart card (100), and - the second electronic circuit (121) is open by default, by a discontinuity (130) of said second electronic circuit (121), which is physically inaccessible from the exterior of the smart card (100), - The movable insert (200) is arranged in the smart card (100) between the discontinuity (130) of said first electronic circuit (111) and the discontinuity (130) of said second electronic circuit (121), - When the smart card (100) is substantially horizontal, by gravity the movable insert (200) selectively adopts: • a first position in which said movable insert (200) closes the first electronic circuit (111); or • a second position, returned around a horizontal axis relative to the first position, in which said movable insert (200) closes the second electronic circuit (121).

3. A smart card (100) according to claim 2, wherein the movable insert (200) is in a solid or liquid form.

4. A smart card (100) according to any one of claims 2 or 3, wherein the movable insert (200) comprises a metal or alloy material, the density of which is greater than a predetermined threshold value.

5. Smart card (100) according to any one of the preceding claims, wherein: - the first antenna (112) and the second antenna (122) are arranged so that when the first antenna (112) emits a magnetic field, respectively when the second antenna (122) emits a magnetic field, then the inductive coupling with the second antenna (122), respectively with the first antenna (112), is less than a predetermined value.

6. A smart card (100) according to claim 5, comprising a shielding element for limiting inductive coupling between the first antenna (112) and the second antenna (122).

7. Smart card (100) according to claim 6, in which the shielding element is a shielding sheet, in particular made of ferrite.

8. A smart card (100) according to any one of the preceding claims. preceding, wherein said smart card (100) is a bank card.

9. Smart card (100) according to claim 8, wherein: • the first electronic circuit (111) is configured to implement a first payment function in a first currency, and • the second electronic circuit (121) is configured to implement a second payment function in a second currency.

10. A smart card (100) according to claim 8, wherein: • the first electronic circuit (111) is configured to implement a first immediate payment payment function in a first currency, and • the second electronic circuit (121) is configured to implement a second deferred payment function in the first currency.

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