SMART PAYMENT AND VERIFICATION CARD

Abstract

This invention relates to smart card (1) technology and encompasses a new generation card solution that combines contactless payment and advanced security functions. The card body (2) and outer frame (3) ensure the placement and durability of all components. The LED contour line (4) and micro-display (8), which provide visual feedback to the user, display biometric authentication, balance, and transaction status. The EMV chip module (5) supports standard payment functions, while the front-facing fingerprint sensor (6) and rear-facing fingerprint sensor (10) provide biometric authentication, preventing unauthorized use by the cardholder. The NFC / contactless communication antenna (7) enables wireless contactless payment with POS devices. The card (1) contains a process control and security chipset (9) that securely manages operations and an anti-cloning security circuit (16) that prevents unauthorized copying. The dynamic CVV generation module (11) and the CVV deletion timer (12) with automatic shutdown generate a single-use CVV for each operation and automatically delete it after a specified time. The card (1) uses a power collection module (17) and a micro power storage unit (18) for energy collection and storage; thus, it activates when the card is lost or location tracking is required, working with a low-power location signal module (19) and an ultra-low-power microcontroller (20). Location signals from the card are transmitted to the user via a smartphone (21) and cloud location service (22) with GNSS / GPS. The card (1) also provides an integrated transaction flow via POS device and POS terminal (13), POS keypad / user interface (14) and bank approval screen (15). This structure offers the user direct control and transparency in both the payment process and security management.

Description

1 TARIFF SMART PAYMENT AND VERIFICATION CARD Technical Area This invention relates to electronic payment systems and biometric authentication technologies. contactless (NFC / EMV) payment infrastructures, secure authentication cards, energy 5 energy harvesting systems and smart card technologies technical fields Access is provided only to authorized personnel and is biometrically activated via fingerprint. It works with contactless payment infrastructures that can operate after user verification. (NFC / EMV) compliant operation, every operation performed Afterwards, the remaining balance is displayed as a real 10 via the micro-screen on the card. LED-based visual warning system that displays timely and direct information to the user. Thanks to this, you can see the card's active / passive status, balance level, and transaction approval status. Hardware-based dynamic CVV code that provides real-time feedback. capable of generating data, the card automatically switches to passive mode after the process is complete. The area features energy harvesting and micro-15 technology that allows it to operate without requiring external charging. equipped with energy storage infrastructure, capable of GPS / UWB supported location tracking, and a new generation smart payment system featuring a multi-layered hardware security architecture and This relates to the verification card. Here, the card's validity period and POS transaction details are specified. Once completed, it is limited to a maximum of 7 seconds. Dynamic CVV code. The validity period is 30 seconds, regardless of card activation. 20 This card, developed within the scope of the invention, is suitable for banking, finance, retail, and transportation. systems, access control and transition infrastructures, public services, e-commerce platforms, IoT-based authentication applications and security systems, primarily including all electronic applications that require identity verification and payment 25 It is designed for use with biometric activation. Thanks to this, the card remains constantly active, which is commonly seen in current technologies. the ability to make transactions without verification within contactless limits and the card critical issues such as the possibility of being used by third parties in case of loss or theft. Security vulnerabilities are eliminated at the hardware level. Technically, 30 The invention, when viewed from this perspective, involves communication between the card, POS terminal, and bank during the payment process. 2 The current system leaves security in the supply chain solely to software and external systems. Unlike other solutions, transaction security is directly restored on the card. It creates an active security layer that verifies the micro balance screen and Thanks to the LED warning system, the user can operate independently of the POS terminal. The transaction has been initiated, approval has been received from the bank, and the balance after spending is 5. They can directly observe the changes on the card; this allows them to identify errors or excesses. or unauthorized collections can be detected instantly. Dynamic CVV generation Hardware and biometric triggering, internet and remote payment Fraud risks arising from the use of fixed CVV in transactions by eliminating it, it provides a much higher level of security compared to existing systems. It also provides an automatic shutdown mechanism, energy collection, and Storage system combined with GPS / UWB based location security. Upon evaluation, the invention is not only a means of payment, but also its own... Self-governing, adaptable to environmental conditions, loss and unauthorized use. Smart and interactive verification that actively provides protection in scenarios 15 It serves as a platform. This integrated structure is based on the existing smart card. functions that are found separately or in a limited way in different technologies into a single one. by bringing them together in hardware architecture, both user safety and system safety are ensured. This represents a significant technical advancement in terms of transaction transparency. State of the art 1. Traditional Bank and Credit Cards (Magnetic Stripe / EMV Chip-Based) (Systems) In the known state of the art, the most common payment methods are magnetic stripe payments. These are the cards and later developed EMV chip bank and credit cards. These cards, 25 Payments are made by connecting to bank infrastructure via POS terminals or ATMs. and processes withdrawal transactions. But on these cards: The card is always active. 3 The cardholder does not have biometric authentication. The card features any screen, LED, or user feedback system. There are no hardware components. Transaction security depends entirely on the POS terminal and the bank's software systems. It has been abandoned. 5 In case the card is stolen or lost, until the card is blocked (Card payment and processing functions are disabled; power collection, position signal and security. Monitoring functions remain active.) by third parties Ease of use is the most fundamental security vulnerability of these systems. Also 10 the user wants to know the actual amount of the transaction or You cannot instantly verify the remaining balance on your card. These systems are based on a passive card architecture, and the card is actively involved in transaction security. He does not take on a role. 15 2. Contactless (NFC) Payment Cards and Contactless Limit Applications In the current state of technology, contactless payment cards aim to increase transaction speed. It was developed for this purpose. Thanks to NFC technology, when the card is brought close to the POS terminal, 20 The payment process can be initiated. However, with contactless cards: For transactions below a certain amount, password, signature, or biometric verification is required (25). It is not necessary. Even when the card is in your pocket, payment will be processed if it is accidentally brought close to the POS terminal. It can be triggered. The user can check whether the card is active or their pre-transaction balance via the card. He cannot understand. 30 4 This situation presents serious security vulnerabilities in exchange for the ease of use of contactless cards. This has led to the inclusion of a contactless feature on the card, making it safer for card security. It creates a situation where transactions are carried out outside the owner's control. 3. PIN Code and Signature Authentication Systems In current technology, card security is largely based on PIN codes or signatures. This is ensured through verification. However, these methods: Observing, guessing, or obtaining PIN codes through social engineering passing through, 10 The fact that signatures are often not checked in practice, For reasons such as PIN entry being dependent on the POS or ATM device, it is secure. It is not accepted. These verification methods verify the information, not the cardholder; that is, the 15 who obtained the card. A person can trick the system if they know the necessary information. 4. Current Approaches to Biometric Cards In the current state of the technology, several biometric card solutions have been developed. These 20 Solutions usually include: Featuring a single fingerprint sensor, Only **uses fingerprint authentication instead of PIN** Cards without a display, balance indicator, or visual warning system, 25 Dynamic CVV systems are those that do not involve energy harvesting or position tracking. Fingerprint verification on these types of cards is usually a single function, and the card itself... It does not create an active architecture that manages the entire lifecycle. Fingerprint authentication. Once activated, the card behaves like a classic passive card. 30 5. Dynamic CVV and Online Security Solutions In the current state of the art, dynamic methods are used to prevent internet fraud. The CVV concept has been implemented software-wise in some solutions. In these systems... CVV: 5 It is produced via a mobile application. It is being modified on the server side. The card itself does not participate in this process in terms of hardware. These approaches are used when the card is physically seized or when CVV information is obtained. It does not provide complete security when copied. Furthermore, CVV generation... It is not mostly dependent on biometric authentication. 6. Limited Solutions for Boards with Displays or LEDs 15 In some experimental or limited applications, small screens are displayed on the card or Indicators have been used. However, these solutions: It usually displays only a single piece of information (e.g., CVV), 20 It does not update the balance after the transaction. It does not show the card's active / passive status or transaction flow. In terms of energy management, it uses an external battery or a limited battery capacity. Therefore, they do not offer a long-lasting, secure, and multifunctional card architecture. 25 7. Passive Card Structures That Do Not Include Energy Harvesting and Location Tracking Almost all current payment cards: It does not have the ability to generate or collect external energy. 6 It does not include GPS, UWB, or similar location tracking modules. The card cannot be physically tracked once it is lost. These cards are completely passive and defenseless in scenarios of loss or theft. is in this situation. 5 THE DIFFERENCES AND DISTINCTIVE POINTS OF THE INVENTION FROM EXISTING TECHNIQUES Considering the current state of the technique described in detail above, 10 Each of the existing solutions offers singular and limited security approaches It is observed that no existing solution combines the features listed below into a single card. It does not present them within its architecture or together with it. 1. Active Card Architecture The card that is the subject of your invention differs from existing passive cards in the following way: * It is not always open, * It will not work without biometric verification. * It automatically shuts down after the operation. 20 In this respect, the card becomes the active control point of the transaction. 2. Two-Sided, Dual-Purpose Biometric Verification 25 While current biometric cards are limited to a single sensor, the invention: * Front-facing fingerprint sensor → physical payment and access activation, 7 * Rear-facing fingerprint sensor → dynamic CVV generation and online transaction Two-stage and functionally separated biometric authorization. Architecture is present. This structure does not exist in the known state of the art. 5 3. Real-time Transaction and Balance Verification on the Card In current technologies, the user is dependent on the POS screen; in this invention: * Bank approval, * Amount spent, * The remaining balance is displayed directly on the card's microscreen and LED system. It is shown to the user. This situation shifts the POS-centric security model to a card-centric security model. It transforms. 4. Hardware and Biometric Triggered Dynamic CVV In current solutions, dynamic CVV is software-based; in this invention: * On the card, * In terms of hardware, * It is generated by being triggered by biometric verification. This combination technique is 25 It is not in its known state. 5. Energy-Collecting, Long-Lasting Card Structure While existing cards are passive, energy-inefficient devices, this invention: 30 8 * Solar, * Piezo, * Collecting energy from thermal sources to power the display, LEDs, and security system on the board. It keeps its modules constantly operational. This structure represents a fundamental architectural breakthrough in smart card technologies. 6. Location Tracking and Self-Protection Card Thanks to GPS / UWB supported location tracking and zone-based locking, the card has: 10 * It can be tracked if it gets lost, * It may lock itself in unauthorized areas. Current payment cards do not have this capability. 15 Advantages of the Invention This invention is used in the fields of payment, identity verification, and access control. Current card technologies have limitations in terms of security, transparency, user control, and hardware. to eliminate the structural deficiencies it has in terms of capabilities It has been improved upon with numerous techniques and methods, which are detailed below. It provides a functional advantage. 1. Hardware-Based Biometric Activation That Prevents Unauthorized Use 25 Advantage One of the key advantages of the invention is that the card is only for the cardholder's biometric data. It becomes active after verification. Activated via fingerprint sensor. The card is passive in terms of its non-transmittable contactless antenna, chip module, and all processing components. 30 remains in that state. 9 Thanks to this structure: The card cannot be used by third parties if it is stolen or lost. Eliminates reliance on weak security methods such as PINs, signatures, or contactless limits. He gets up, Security risks arising from the card being "always active" are completely eliminated. This advantage lies in the fact that security is placed directly on the card, not on software or external systems. It enables integration into the hardware. 2. Two-Factor Biometric Architecture: Separate Physical and Digital Transactions Protection 15 The front and rear fingerprint sensors included in the invention are for different transaction types. By providing separate authorization, it offers a significant technical advantage. Thanks to this structure: 20 Physical POS and access control operations are performed via a front-facing sensor. Internet and remote payment transactions are handled by a rear-facing sensor. It becomes biometrically identifiable. This allows online transactions to proceed without the need for a physical card. Even if it is transmitted, it will be subject to additional biometric protection. This dual biometric configuration offers an advanced level of functionality not found in current card solutions. It creates a security layer. 30 3. Ensuring Real-Time Transaction and Balance Transparency on the Card Thanks to the micro balance display and LED warning system, the user can see the full details of the transaction. The process can be tracked directly via the card without needing a POS screen. The advantages of this situation are as follows: Erroneous or excessive charges are detected immediately. Bank approval is reconfirmed on the card, 10 The user clearly sees their balance status before and after the transaction is completed. This transparency increases trust in payment transactions while reducing POS-related fraud. It significantly reduces the chances. 15 4. Internet Security with Hardware and Biometric Triggered Dynamic CVV Within the scope of the invention, the CVV code is a dynamic CVV module located on the card. It is generated at specific intervals or via biometric triggering. 20 The advantages of this system are: All security vulnerabilities arising from the use of fixed CVV are eliminated. The captured CVV information quickly becomes invalid. Active cardholder consent is required for online purchases. This approach is 30% more effective than existing solutions against internet fraud. It offers a level of security. 11 5. Automatic Shutdown Mechanism Prevents Accidental and Malicious Operations Prevention The card automatically switches to deactivated mode after the transaction is complete, both 5 It prevents both user errors and malicious contactless payment attempts. Thanks to this mechanism: Accidental payments won't be triggered while the card is in your pocket, 10 Card active, unforgettable, Malicious POS zoom attempts are rendered ineffective. This feature addresses security risks frequently encountered in contactless payment systems. This provides a significant advantage. 6. Long-Term Maintenance-Free Energy Harvesting and Storage Infrastructure Durable Building 20 The energy harvesting units used in the invention are derived from environmental sources. It stores micro-energy, enabling the active components on the board to function. Thanks to this: 25 The need for external batteries or charging is eliminated. The card's lifespan is significantly extended. Maintenance and renewal costs decrease for banks and institutions. 12 Energy independence is practical, despite the card having active components. This is a critical technical advantage that makes its use possible. 7. Location Tracking and Zone-Based Locking for Lost / Stolen Security 5 GPS / UWB supported location tracking in case the card is lost or stolen. It provides active security. Thanks to this feature: 10 The card's last known location can be determined. The card can be automatically locked when it leaves the designated secure zones. The risk of unauthorized use is minimized. While all existing cards are passive in such scenarios, this invention provides active defense. It offers the ability. 8. Hardware Protection Against Anti-Cloning and Physical Interference Security circuits located in the card's inner layers prevent skimming and copying. It detects the attempts and puts the card into security mode. In this way: Copying of magnetic stripe and chip data is prevented. Physical interventions are detected at an early stage, 30 13 The card acquires a self-protecting structure. This feature strengthens card security not only at the digital level but also at the physical level. 9. The Advantage of Enabling Multiple Sector Usage with a Single Card 5 The invention goes beyond being a payment card; it also enables access control and authentication. because it also supports its functions: Banking, 10 Transport, Corporate transition, It offers the possibility of using a single card in different areas such as hotel and campus systems. This simplifies the user experience while facilitating integration for organizations. provides. 10. Visual Alerts That Enhance User Experience and Universal Accessibility 20 The system LED warning system and display, specifically: Users with visual or reading difficulties, 25 Universal usability of the card for people with limited access to digital applications. It increases. Thanks to color-coded alerts, the card's status is intuitively understood. In conclusion, this invention offers high security, process transparency, energy independence, and active 30 By offering both defense and multi-functionality features, it complements existing payment and 14 Significant and measurable technical advantages compared to authentication cards. This invention transforms the card from a passive carrier into a means of ensuring transaction security. It transforms it into an active, intelligent, and self-governing system at its center. Detailed description of the invention DESCRIPTION OF THE FIGURES Figure 1 - Front view of the smart payment and verification card that is the subject of the invention, card 10 General perspective showing the body, outer frame of the card, and LED contour line. It is the appearance. Figure 2 - Reverse view of the card subject to the invention, the back body of the card, the rear side. contour reference, safety module area and components associated with dynamic CVV 15 This is a technical view showing its layout. Figure 3 - Biometric authentication of the card via the front-facing fingerprint sensor. This is a functional working diagram showing how the result is activated. Figure 4 - After the card is biometrically activated, it is inserted into the POS terminal. Contactless placement, communication via NFC, and payment. This is the functional scene that shows the initiation of the process. Figure 5A - The state of the card immediately before it is swiped on the POS device, 25 seconds before the transaction. Describes the stage where the current balance (e.g., €300.00) is displayed on the card screen. It is a functional drawing. Figure 5B - After the POS transaction is completed and approval is received from the bank, the transaction amount The new balance resulting from the deduction (e.g., €285.40) will be displayed on the card screen in real-time. It is a functional drawing showing that it has been transferred. Figure 6 - Dynamic CVV code of the second fingerprint located on the back of the card. Functional study demonstrating biometric triggering via sensor. It is the scene. Figure 7 - Generation of a dynamic CVV code and its validity for a specific period. and automatic deletion at the end of the time period, with LED warnings and operation direction arrows. It is a functional drawing that shows everything together. Figure 8 - Rear dynamic CVV display, 10 times the difference between the previous CVV and the newly generated CVV. as shown comparatively, CVV in each biometric authentication This is a technical drawing indicating that it has been updated. Figure 9 - Validation of dynamic CVV code with countdown (e.g., 30 seconds). Time-based 15 showing that it will be lost and automatically deleted at the end of the period. It is a functional drawing. Figure 10 - Dynamic CVV code generated by POS terminal after biometric authentication. ensure secure transmission to the terminal, keep the CVV hidden from the user, and This is the functional scene showing the reading from the terminal. 20 Figure 11 - What happens if the card is lost or someone other than the cardholder uses the card? If it works, the card will be rejected due to biometric verification failure. completely blocking the card (payment and transaction functions disabled) left active; energy harvesting, location signaling and security monitoring functions 25 (remains in place.) and security indicator showing that no functions are active. It is a screenplay illustration. Figure 12 - In case the card is lost, an ultra-low power consumption UWB / BLE based emitting a location signal, this signal being detected by the smartphone, and 30 16 determining the location of the card via the phone's GNSS / GPS system This is a functional architectural drawing illustrating the hybrid positioning system that provides this functionality. REFERENCE NUMBERS 1. Smart Card 5 2. Card Body 3. Card Outer Frame 4. LED Contour Line 5. EMV Chip Module 6. Front Fingerprint Sensor 10 7. NFC / Contactless Communication Antenna 8. Microscreen 9. Operation Control and Security Chipset 10. Rear Fingerprint Sensor 11. Dynamic CVV Generation Module 15 12. Automatic Shutdown and CVV Erase Timer 13. POS Terminal 14. POS Keypad / User Interface 15. Bank Approval and Transaction Feedback Screen 16. Anti-Cloning Security Circuit 20 17. Energy Harvesting Module 18. Micro Energy Storage Unit 19. Position Signal Module (UWB / BLE) 20. Ultra Low Power Microcontroller 21. Smartphone 25 22. GNSS / GPS and Cloud Location Services 23. Balance Screen The subject of the invention is the smart card (1); the card body (2) and the card outer frame. (3) Multi-layered hardware and software security integrated within it 30 working with its components, activated by biometric authentication, contactless payment and 17 It is an advanced electronic card capable of performing identity verification processes. The LED outline (4) placed around the card indicates the active / passive status of the card. The process steps, confirmations, error messages, and security alerts are displayed to the user instantly and visually. It is configured to report this as such. The EMV chip module is located inside the card. (5) ensures that the card works in compatibility with existing banking and payment infrastructures, 5 For the card to become active and all its functions to be usable, only the front side should be viewed. Biometric verification performed via fingerprint sensor (6) It becomes possible afterwards. When the user wants to use the card, press 10 on the front fingerprint sensor (6). he places his finger; this biometric data is used for transaction control and security chipset (9) It is verified by [the system], and if the verification is successful, the card becomes active. It is valid. At this stage, the LED contour line (4) indicates the active status, while NFC / contactless By activating the communication antenna (7), the card communicates wirelessly with the POS terminal (13). The card is securely stored. When the card is brought close to the POS terminal, the transaction data is securely stored. The information is transmitted in this way and the bank approval process is initiated. Card verification before and after the transaction. The current balance, transaction amount and transaction can be viewed via the micro screen (8) on it. The updated balance is then displayed to the user in real time; thus The user can verify the accuracy of the transaction directly with the card, independently of the POS device. You can confirm this via 20. For internet and remote payment transactions, the back of the card shows the back side. A second biometric verification using a fingerprint sensor (10) This is accomplished. With the triggering of this sensor, the dynamic CVV generation module... A one-time and time-limited security code is generated by (11). Online 25 and in remote payment transactions, the dynamic CVV code is displayed on the micro screen on the card. is displayed to the user. In physical POS transactions, the CVV code is displayed to the user. It is not displayed and is transmitted secretly, to be read only by the terminal. This generated dynamic CVV is displayed on the micro screen (8) or only It is transmitted in a hidden format that can be read by the terminal. Dynamic CVV 30 validity period, automatic shutdown and CVV deletion timer (12) 18 It is checked; at the end of the specified period, the CVV is automatically deleted and re-entered. It becomes unusable. Thus, the risks of online fraud and data theft increase. It is effectively eliminated. Dynamic CVV code, only back-facing fingerprint It is produced by reading the sensor (10); front face fingerprint sensor (6) CVV It does not cause any production and is only used for card activation purposes. 5 The card's security is ensured not only at the software level but also at the hardware level. The anti-cloning security circuit (16) located inside the card is provided. being copied, read without authorization, or subjected to physical interference In this situation, it detects the problem, switches the card to security mode, and the entire payment is processed with 10 It disables communication functions. The card's power requirement is met by an external battery. without dependence, energy is met through the energy collection module (17); this module, The NFC area uses microenergy derived from ambient light and card movement. The storage unit (18) stores and powers all the active components of the card. In case the card is lost or stolen, the location signal contained within the card will be used. module (19) and the ultra-low power microcontroller (20) that manages it come into play. This module operates with very low energy consumption, even when the card is switched off, enabling smartphones. (21) emits a UWB or BLE signal that can be detected by the smartphone. by combining the signal with its own GNSS / GPS and cloud location service (22), card 20 It informs the user of the approximate or exact location. Thus, the card is only used for payments. It's not just a verification tool, but also something that can be found when it's lost, itself. It becomes a smart security device capable of protection. Thanks to this holistic structure, the smart card (1) that is the subject of the invention, biometric authentication, 25 Real-time user feedback, dynamic security codes, automated shutdown, energy independence and location-based protection features in a single physical unit. By combining them on the card, it offers a level of security, transparency, and beyond existing techniques. It provides user control. 19 WORKING PRINCIPLE Smart card (1) starts with the user's physical interaction; user front face fingerprint When you place your finger on the sensor (6), the sensor reads the biometric data and Compares the card with the transaction control and security chip (9). If verification is successful, card 5 It becomes active and the LED contour line (4) visually informs the user of this. The card connects to the POS terminal (13) via the NFC / contactless communication antenna (7). The card is brought close to the POS terminal and the EMV chip module (5) is installed. It communicates with banks or payment networks, initiates the transaction approval process, and Real-time balance update via micro screen (8) when the transaction is completed 10 is sent to the user. After the POS transaction is completed and bank approval is received, the card is activated. It remains active for a maximum of 7 seconds, after which it automatically switches to passive mode. It passes. For online or remote transactions, a second 15 with rear-facing fingerprint sensor (10) Verification is performed. When this verification is triggered, the dynamic CVV generation module (11) It activates and produces a single-use, time-limited CVV. The use of the CVV... The duration is controlled by the automatic shutdown and CVV erase timer (12). This process involves the complete deletion of the CVV, making it impossible to reuse once the time limit expires. The card can only be used by authorized users and online 20 This ensures that the risk of fraud is minimized. The card's energy management consists of the energy harvesting module (17) and the micro energy storage unit. (18) is provided via; NFC area, motion and ambient light from different sources such as Energy is collected. Thus, the card retains all 25 energy even when it is active or in standby mode. It can continue to function. In case the card is lost, the position signal module (19), triggered by ultra-low power microcontroller (20) and smartphone (21) The location of the card was determined using the GNSS / GPS cloud positioning system (22). is detected. The card's position module only sends a signal; the actual position is not detected. The calculation is performed by the phone and cloud system. This mechanism is 30 Thanks to this, the card is protected in case of unauthorized use or loss, and It allows the user to quickly find the card. The integration of all these steps makes the smart card (1) both physical and digital. It ensures safe, user-centric, and energy-efficient operation in the environment. 5 The card supports contactless and biometric authentication, dynamic CVV generation, and real-time authentication. Simultaneously provides timely balance updates and location tracking. This enables the implementation of existing payment and authentication solutions. It offers a level of security and user control beyond that. CVV GENERATION AND CARD ACTIVATION LOGIC This invention, the smart card (1), is used for physical payment transactions and online / remote payment. a multi-stage system that manages its processes independently and in a controlled manner It operates with an activation and verification architecture. The card's operating principle is 15 It is carried out within the framework of the stages described below. STEP 1 – Activating the Card Biometrically When the user wants to use the card (1), the front fingerprint sensor (6) He places his finger. The biometric 20 is read via the front face fingerprint sensor (6). The data is verified by the process control and security chipset (9). Verification If successful, the card becomes active; NFC / contactless communication antenna (7) and the EMV chip module (5) is activated. At this stage, the front face fingerprint sensor (6), It is used solely for card activation purposes and does not generate dynamic CVV. Why not? 25 STEP 2 – Performing Physical POS Transactions Once the card is activated, only physical POS transactions will be processed. If this is to be done, the user card will be inserted into the POS terminal (13) It brings them closer. Communication is established between the card and the POS terminal via NFC, and 30 The bank approval process is initiated. Dynamic CVV code is used during physical POS transactions. 21 It is not generated and is not shown to the user. Payment is made after bank approval is received. The process is completed. STEP 3 – Card Deactivation After Physical POS Transaction After the physical POS transaction is completed and bank approval is received, the card (1), transaction 5 It remains active for a limited time for security purposes. This period covers POS transactions. The process takes a maximum of 7 seconds from the time of approval, after which the card will automatically close. The card switches to passive mode. Payments and transactions stop when the card switches to passive mode. The functions are disabled. STEP 4 – Generating Dynamic CVV for Online / Remote Transactions If online or remote payment transactions are requested, the rear fingerprint sensor (10) located on the back of the user card He places his finger. This is done via the rear fingerprint sensor (10). If biometric verification is successful, the dynamic CVV generation module (11) 15 It activates and a one-time dynamic CVV code is generated. Dynamic CVV The code is generated only by reading the rear fingerprint sensor (10) and the front Fingerprint sensor (6) does not cause dynamic CVV generation. STEP 5 – Dynamic CVV Duration and Deletion 20 Generated dynamic CVV code, automatic shutdown and CVV deletion timer (12) It is valid for the period controlled by the dynamic CVV code. The validity period is limited to 30 seconds. After this time, the dynamic CVV code will be activated. It is automatically deleted and cannot be used again. Dynamic CVV's Deletion is independent of the card's active status; even if the card remains active, CVV 25 It is not available. A fingerprint on the back is required to complete a new online transaction. The sensor (10) needs to be reread. Thanks to this phased structure, the card (1) can be used for physical POS transactions and online / remote transactions. They clearly separate the processes from each other; dynamic CVV generation, card 30 22 a clear, consistent and secure connection between activation and automatic shutdown processes It ensures functionality. 10 20 30

Claims

23 REQUESTS 1) The subject of the invention is the smart card (1), and its feature is that the card (1) forms the main structure. and the board that houses all the electronic and mechanical components Card outer shell (2) which provides structural durability and portability frame (3), which visually conveys the transaction and security status to the user LED contour line (4) ensures compatibility with banking and payment systems. EMV chip module (5) that provides the cardholder's biometric data front-facing fingerprint sensor (6) that activates the card by verifying it, POS NFC / 10 enables communication with devices or other contactless terminals. contactless communication antenna (7), pre-transaction balance, transaction amount and transaction Micro screen (8) showing the balance information in real time. managing biometric authentication, payment processing and security controls Process control and safety chipset (9), which enables dynamic CVV generation and The back fingerprint generates a time-limited, single-use security code. 15 Dynamic CVV generation module (11) with sensor (10) when CVV time expires automatic shutdown and CVV deletion timer (12), POS terminal (13) and POS keypad that enable user interactions / user interface (14), showing transaction confirmation and balance updates Bank approval and transaction feedback screen (15), unauthorized copying or 20 Anti-cloning that detects interference and limits card functionality. safety circuit (16), energy gathering which collects energy from environmental sources module (17) and micro energy storage unit (18) storing, card The position signal module (19) sends a low-power signal when it is lost. Ultra-low power microcontroller 25 that manages the module and energy usage (20), smartphone (21) that receives and displays location information to the user with GNSS It is characterized by GPS and cloud location service (22). 2) A smart card (1) that complies with Claim 1 and has the following feature: front face fingerprint sensor By performing biometric verification of the cardholder through (6) 30 card activation, classic payment with EMV chip module (5) 24 compatible operation with infrastructures, NFC / contactless communication antenna (7) can initiate contactless transactions via the micro screen (8) Real-time information on pre-transaction and post-transaction balance. It is characterized by its ability to demonstrate. 3) A smart card (1) that complies with Claim 1; its feature is a rear-facing fingerprint sensor. By triggering the dynamic CVV generation module (11) with (10), automatic thanks to the shutdown and CVV deletion timer (12) disposable CVV It is characterized by automatically deleting its code at the end of the specified period. 4) A smart card (1) that complies with Claim 1; its feature is the LED contour line (4) and Instant transaction status and security are shown to the user via the micro screen (8). It can transmit warnings, process control and security chipset (9) by managing and anti-cloning security circuit (16) unauthorized It is characterized by the prevention of its use. 15 5) A smart card (1) that complies with Claim 1; its feature is the energy collection module (17) and micro energy storage unit (18) with motion, NFC area or light By collecting and storing energy from its sources, it maintains its position even when the card is switched off. through the signal module (19) and the ultra-low power microcontroller (20) It is characterized by its ability to transmit position signals with low power. 6) A smart card (1) that complies with Claim 1; its feature is a smartphone (21) and GNSS / By integrating with GPS and cloud location service (22), lost 25 It is characterized by its transmission. 7) A smart card (1) that complies with claim 1; interacting with POS terminal (13) providing transaction entry via POS keypad / user interface (14). 30 checking and bank approval screen (15) to the user transaction approval It is characterized by including systems that transmit or reject information. 8) A smart card (1) that complies with Claim 1; transaction control and security chipset (9) and the entire process flow via the anti-cloning safety circuit (16) and By managing card security, it ensures that unauthorized use is prevented. It is characterized by the inclusion of systems. 9) A smart card (1) in accordance with claim 1; LED contour line (4) and micro screen (8) biometric verification, transaction status and balance to the user systems that transmit information in real time and provide visual feedback It is characterized by its inclusion. 10) A smart card (1) that complies with Claim 1; with a rear fingerprint sensor (10) Dynamic CVV generation module (11) and automatic shutdown and CVV deletion single-use CVV before each operation via timer (12) the code generates, limits the CVV usage period with a countdown, and processes it. It is characterized by including automatic deletion systems afterwards. 15 11) A smart card (1) in accordance with claim 1; energy collection module (17), micro energy storage unit (18), position signal module (19) and ultra-low power through the microcontroller (20) the card collects and stores energy, low power consumption location signal transmission and smartphone (21) 20 systems that enable GNSS / GPS and cloud location service (22) integration It is characterized by its inclusion. 30

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