Metal Chip Card Antenna Layout for Off-Center NFC Coupling

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Solution Overview

Problem

Metal chip cards with RF antennas face significant challenges in maintaining effective contactless communication due to electromagnetic shielding, especially when the card is not centered with respect to the NFC reader, leading to disrupted transactions.

Innovation Solution

A chip card design featuring a metal layer with a cut-out zone and two RF antennas, where the second RF antenna is insulated from the metal layer and positioned to collect induced currents, allowing magnetic coupling regardless of the card's orientation relative to the NFC reader.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Shape

If a metal layer is used in the card body to provide aesthetic appearance and quality perception, then the card's visual appeal and perceived quality are improved, but electromagnetic shielding blocks RF signals and disrupts contactless communication

Engineering Contradiction:
Improveaesthetic appearanceVSAvoidcontactless communication reliability
Core Design Contradiction:
ShapeVSReliability

Solution Approach 1:

The metal layer is segmented by introducing a cut-out zone that divides the metal into first and second regions. This segmentation allows the RF antenna to be positioned in the cut-out zone free from metal shielding, while the metal layers in the first and second regions maintain aesthetic appearance. The segmentation resolves the contradiction by creating separate functional zones: one for communication and another for aesthetics.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

Different regions of the card have different properties: the cut-out zone provides electromagnetic transparency for RF communication, while the first and second metal regions provide aesthetic appearance and structural integrity. This local differentiation of properties allows the card to simultaneously achieve both communication reliability and visual appeal without compromise.

Inventive Principle:
Principle #3Local quality

2Adaptability or versatility

If the RF antenna is positioned to maximize communication range, then contactless transaction capability is improved, but the metal layer interferes with signal transmission especially when the card is off-center

Engineering Contradiction:
Improvecommunication rangeVSAvoidelectromagnetic shielding interference
Core Design Contradiction:
Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The metal layer is segmented into first and second regions by a cut-out zone, creating an electromagnetic corridor for RF signals. This allows the antenna to achieve maximum communication range while the segmented metal structure minimizes shielding interference, especially when the card is positioned off-center during transactions.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The cut-out zone acts as an intermediary element between the RF antenna and the metal layers. It mediates the electromagnetic field by providing a path through which RF signals can propagate with minimal interference from the metal shielding, enabling reliable communication across the entire card surface including off-center positions.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Reliability

If ferrite material is added to reduce electromagnetic shielding effects, then contactless communication is improved, but device complexity and manufacturing difficulty increase

Engineering Contradiction:
Improvecontactless communication reliabilityVSAvoidstructure complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The harmful electromagnetic shielding effect is extracted and isolated into specific metal regions (first and second regions), while the cut-out zone removes the shielding material completely in the antenna area. This extraction approach eliminates the need for additional ferrite materials, reducing device complexity while maintaining communication reliability.

Inventive Principle:
Principle #2Taking out (Extraction)

Solution Approach 2:

The metal layer, which originally causes harmful electromagnetic shielding, is reconfigured through segmentation to provide beneficial electromagnetic directionality. The first and second metal regions can be designed to guide and focus RF fields toward the antenna, converting the harmful shielding effect into a beneficial field-guiding mechanism that improves communication without adding ferrite.

Inventive Principle:
Principle #22Blessing in disguise (Convert harm into benefit)

4Strength

If the metal layer is made thicker to enhance structural integrity and aesthetic appearance, then card strength and quality perception are improved, but electromagnetic shielding capability increases and communication is blocked

Engineering Contradiction:
Improvestructural integrityVSAvoidelectromagnetic shielding strength
Core Design Contradiction:
StrengthVSObject-generated harmful factors

Solution Approach 1:

The metal layer is segmented into distinct first and second regions with a cut-out zone, allowing optimization of thickness in different locations. The metal can be made thicker in the first and second regions for structural integrity and aesthetics, while the cut-out zone maintains electromagnetic transparency. This spatial differentiation of thickness resolves the contradiction between strength and shielding.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

Different local regions of the metal layer have different thickness characteristics: the first and second regions can have greater thickness for structural strength and aesthetic appearance, while the cut-out zone has zero thickness to maintain electromagnetic communication. This local quality variation allows simultaneous optimization of both structural integrity and communication capability.

Inventive Principle:
Principle #3Local quality

Applied Scientific Principles

This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.

Function Achieved in This Case

Ensures reliable contactless communication by maximizing energy collection from eddy currents, ensuring transactions are possible even when the card is off-center, without the need for ferrite, thus simplifying manufacturing and enhancing user experience.

Implementation Method 1

maximizing energy collection from eddy currents

Methodology Applied
Scientific EffectEddy currents: Eddy Currents

Implementation Method 2

the second RF antenna being electrically insulated from the metal layer and from the first RF antenna and configured to allow coupling to the first antenna

Methodology Applied
Scientific EffectElectromagnetic induction: Electromagnetic Induction

Data Source

PatentUS12488215B2Chip card with radio-frequency antennas
Publication Date: 2025.12.02 IDEMIA FRANCE SAS
  • US12488215B2 patent drawing
  • US12488215B2 patent drawing
  • US12488215B2 patent drawing

AI summary

A chip card including a card body including a metal layer, an RF chip, and a first RF antenna placed in a cut-out zone and connected to the chip. The metal layer has two regions, the first region completely containing the cut-out zone. A first slit connects the cut-out zone to an edge of the first region, a second slit opens onto an edge of the layer or into the cut-out zone and ends in the second region. A second RF antenna allows coupling to the first antenna. The chip card includes at least one turn facing the first slit and at least one turn facing the second slit.