Contactless bank and credit card with a security system

Abstract

The invention relates to the contactless bank or credit cards with security features that prevent the withdrawal of funds without the user`s permission or intent.

Description

[0001] CONTACTLESS BANK AND CREDIT CARD WITH A SECURITY SYSTEM

[0002] Technical Field

[0003] The invention primarily relates to contactless credit and bank cards equipped with a security system.

[0004] More specifically, the invention concerns contactless bank & credit cards that include security features preventing the withdrawal of funds without the user's permission or intention.

[0005] Background of the Invention

[0006] Today, payments for purchases are carried out via credit cards or bank cards either through contact or contactless methods, or through mobile payment systems.

[0007] Thanks to embedded chips and special software, bank and credit cards have the capability to perform intended functions intelligently (such as large data storage, encryption, mutual authentication, etc.).

[0008] The fundamental difference between contactless and standard credit cards lies in the contactless card’s ability to transmit personal information stored on the chip via radio frequency, which is similar to RFID technology.

[0009] In cards with a chip and PIN, the information on the chip is transmitted through direct physical contact using compatible card readers.

[0010] In contactless credit cards, there is no power source on the chip, as is the case with passive RFID technology.

[0011] When a bank or credit card is brought close to a contactless card reader POS terminal, the necessary energy for the chip is induced via the antenna from the magnetic field generated by the reader.

[0012] Then, a wireless communication protocol enables data transmission between the chip and the reader via radio frequency, which is similar to RFID technology.

[0013] Contactless credit and bank cards are capable of data storage, data access, executing cryptographic protocols (AES, 3DES, RSA, ECC), and mutual authentication. Contactless credit and bank cards operate less than 10 cm and follow specific security protocols during communication.

[0014] Especially, with contactless cards, payment can be made by simply bringing the card close to the POS terminal, without entering a PIN, using the embedded chip.

[0015] The main disadvantage of this feature is that contactless payments can be unintentionally processed when the card is brought near a POS terminal, without the cardholder’s awareness or consent.

[0016] Fingerprint authentication has been introduced in some systems to enhance the security of contactless payments in order to address such and similar issues.

[0017] However, such systems involve high production costs and usability challenges. Furthermore, scratches and cracks due to the storage and frequent use of fingerprint reading areas can prevent the card from functioning properly.

[0018] It’s necessary to overcome the deficiencies and disadvantages of today’s techniques for new structures and systems.

[0019] Purpose and Short Description of the Invention

[0020] The invention relates to a bank and credit card that operates in a contactless manner and includes security features preventing unauthorized fund withdrawal without the user's consent or intention.

[0021] The primary objective of the invention is to prevent the withdrawal of funds from contactless bank & credit cards without user authorization or intention.

[0022] Another purpose of the invention is to introduce security features at minimal cost.

[0023] A further purpose is to provide a contactless bank & credit card that is hygienic and secure, easy to manufacture and use, durable, and long-lasting.

[0024] To achieve these purposes, the contactless bank & credit card equipped with a security system is represented schematically in the accompanying drawings. Figures;

[0025] Figure-1 : A schematic view shows the contact between the chip and the system subject to the invention in the contactless bank or credit card.

[0026] Figure-2 and 3: Schematic views show an alternative configuration of the card, incorporating an active / passive lock.

[0027] REFERENCE NUMBERS

[0028] 10. Bank or Credit Card

[0029] 11. Microchip

[0030] 12. Contact Area

[0031] 13. Connection Line

[0032] 14. Active / Passive lock

[0033] DETAILED DESCRIPTION OF THE INVENTION

[0034] The invention relates to a contactless bank or credit card (10) with a security system that prevents unauthorized fund withdrawal without user permission.

[0035] The card (10) essentially comprises a microchip (11 ), a contact area (12), and a connection line (13) that links the microchip (11 ) to the contact area (12).

[0036] The system is designed such that the card (10) includes at least one microchip (11 ) configured to run at least one application for data exchange via a remote communication protocol, and the connection line (13) provides the necessary energy supply to the chip (11 ) when in proximity to a POS terminal. The contact area (12) located on the connection line (13) interrupts the circuit and completes it only upon user touch.

[0037] In fundamental operation, the contact area (12) created on the card (10) is touched during payment, enabling the internal electronic circuit to function. This ensures that. the chip (11 ) only transmits data to the POS terminal under user control.

[0038] Since the user must complete the circuit by touching the card, unintended transactions are prevented.

[0039] There is not an internal power source for the (11 ) microchip on the contactless credit card & bank cards (10).

[0040] When the card (10) is brought near a POS terminal, the chip (11 ) receives the necessary power through induction via the antenna from the terminal’s magnetic field.

[0041] In the invention, this energy flow is controlled via the connection line (13). A contact line is created that cut off the circuit on this connection line (13) that provides the chip (11 ) with power.

[0042] The specified contact area (12) is created as a circuit that completes the power to the chip (11 ).

[0043] User’s holding the related contact area (12) with finger completes the chip circuit (11 ) through the connection line (13), then data is transmitted to the POS terminal.

[0044] In this way, contactless bank or credit card (10) cannot be used without user permission and intention.

[0045] If a POS terminal is brought near the card without the owner's knowledge, no transaction will occur because the circuit remains open.

[0046] When the cardholder intentionally touches or holds the contact area (12) formed on the Bank or Credit Card (10) that is the subject of the invention, the circuit is completed, and the desired data transmission is carried out by the chip (11 ) to the POS terminal, thereby enabling the transaction to be conducted securely.

[0047] Completion of the payment system occurs when the contact area (12) on the card is touched. Payment may be made directly via the POS terminal, or alternatively, the card may be read by the POS after the user touches the contact area. Whether the payment is processed with or without a PIN may vary depending on the preferences and agreements between the user, the bank, and the relevant institution. Contactless payment limits and related conditions can be adjusted at any time based on the mutual agreement between the user and the bank.

[0048] In another configuration of the invention, a secondary circuit completion is implemented within the same system. Another configuration subject to the invention includes an active / passive button (14), as shown representatively in Figures 2 and 3. This button allows the system to be switched between an active state and a passive state.

[0049] In this context, the terms "active" and "passive" refer to the regulation of the operation of the contact area. The active / passive button may be implemented on the card to prevent unintentional circuit completion by the contact area when the card is carried in a pocket, bag, or wallet. This structure, which provides secondary protection, can be optionally used as needed.

[0050] Fundamentally, in the system subject to the invention, unless the contact area is touched, the energy circuit required for the chip (11 ) is not completed, and thus no unintended contactless payment can be made from the Bank or Credit Card (10).

[0051] As a result, even if the Bank or Credit Card (10) has contactless functionality activated by both the bank and the user, no payment can be collected via PCS terminals capable of contactless transactions without the explicit consent and authorization of the cardholder.

[0052] When the cardholder intentionally touches the contact area (12), the circuit is completed via the connection line (13), allowing the chip (11 ) to enable the relevant transaction payment to be processed by the POS terminal.

[0053] The contactless Bank or Credit Card (10) incorporating the system of the invention is not only easy and cost-efficient to manufacture, but also offers superior usability and durability compared to existing systems.

[0054] In existing systems, inadvertent withdrawals from Bank or Credit Cards (12) are prevented.

Claims

CLAIMS1 - A Bank or Credit Card (10) configured for contactless operation and designed to prevent the withdrawal of funds without the consent and intention of the user, comprising at least one microchip (11) configured to execute at least one application for data exchange using a remote communication protocol, a connection line (13) configured to supply the energy required for the microchip to perform data exchange with a POS device, and a contact area (12) arranged on the specified connection line (13), the contact area (12) being adapted to interrupt the circuit and to complete the circuit upon being touched by the user.2- According to Claim 1 , the Bank or Credit Card (10) is characterized by an active / passive lock (14) that prevents the contact area from unintentionally completing the circuit or being activated.

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