The invention relates to the field of chip cards. Chip cards are well known to the public, who have multiple uses therefor: payment cards, SIM cards for mobile phones, transport cards, identity cards, etc.
The chip cards comprise transmission means for transmitting data from an electronic chip (integrated circuit) to a card reader device (reading), or from this device to the card (writing). These transmission means can be “with contact”, “contactless” or else dual-interface, when they combine the above two means.
The chip cards generally consist of a rigid card body made of plastic material of PVC, PVC/ABS, PET or polycarbonate type forming most of the card, in which an electronic module is incorporated. The electronic module generally comprises a flexible printed circuit provided with an electronic chip and contact lands electrically connected to bonding pads of the chip. The contact lands sit flush on the electronic module, on the surface of the card body, for a connection by electrical contact with a card reader device. The dual-interface chip cards further comprise at least one antenna for transmitting data between the chip and a radiofrequency system allowing data to be read or written, contactlessly.
In the dual-interface cards, the electronic module comprising contacts and the chip, on the one hand, and the antenna possibly incorporated in an inlay, on the other hand, are generally fabricated separately. Then, the antenna and its possible inlay are laminated with at least one other sheet of plastic material, to form the body of the card. A cavity is then milled in the body of the card and the module is housed in this cavity and connected to the antenna.
In order to add other functions to the chip cards, there is proposed a method for fabricating a chip cards, according to claim 1.
According to this method, at least one second cavity is also produced in the thickness of the card body, for example by milling after lamination or by cutting out from one of the sheets before lamination, to place at least one second module comprising an electronic component therein, and to connect this second module to the conductive circuit intended to be connected to the first module or to another conductive circuit.
Thus, by virtue of the invention, it is possible to add at least one other functional module to a chip card. This additional module can be connected to a conductive circuit laminated in the card body before or after lamination. In all cases, one surface of the modules is flush with the surface of the card, for example to establish an electrical contact, or to allow an interaction with a user (for a detection of fingerprints, to display an item of information, to exert a pressure on a pushbutton, etc.), or for any other function which requires a module part not to be embedded in the card body.
One of the difficulties encountered for fabricating such chip cards is linked to the positioning of the connections between the modules and the conductive circuits, both along their thickness and in a plane parallel to their main surfaces. Using bonding pads precisely positioned one relatively to one another on a flexible substrate helps coping with such difficulties.
A module is, for example, a substrate, composed of a layer of flexible dielectric material, supporting at least one electronic component. A module can also be an electronic component, such as a sensor of biometric characteristics or a display device, or a pushbutton, etc. A module can also comprise an electrical energy power supply device, electrically connected to the electronic component. This electrical energy power supply device can be a battery—possibly rechargeable by photovoltaic effect—or a capacitor discharging, on demand, its electrical charge, stored by virtue of an electromagnetic coupling between an antenna linked to this capacitor (called “supercapacitor”) and the antenna of a contactless reader. In other cases, the module does not have its own power supply system and it is the reader with contacts which supplies the energy required for the operation of the components upon the introduction of the card into this reader.
The method according to the invention possibly comprises one or other of the features mentioned in claims 2 to 16, considered alone or in combination with one or more other features.
According to another aspect, the invention relates to a chip card according to claim 17. The chip card according to the invention possibly comprises one or other of the features mentioned in claims 18 to 20, considered alone or in combination with one or more other features:
Other features and advantages of the invention will become apparent on reading the following detailed description, and in the attached drawings. In these drawings:
In this document, the terms “front”, “rear”, “above”, “below”, “upper”, lower”, etc. are purely conventional and, as appropriate, refer to the orientations as represented in the figures.
The first module 3 is for example of bank type and corresponds to the ISO 7816 standard. The second module 4 comprises, for example, a sensor of biometric characteristics 5 (see also
The first 3 and second 4 modules are housed in cavities 6, 7 produced in the card body 2 (see
The card represented in
The bottom 8 and top 10 sheets are, for example, composed of one or more layers of PVC. The intermediate sheet 9 is generally itself, as is known, composed of one or more layers on, or between, which there is incorporated an antenna 12 which is wired or etched in a metallic sheet. The one or more different constituent layers of the intermediate sheet 9 are for example also produced in PVC.
The antenna 12 for example comprises a conductive line wound over several loops or turns extending at the periphery of the card 1.
In the example represented in
Therefore, in this example, the conductive line of the antenna 12 is used both as conductive circuit for wiring, or for interconnection, to connect the first 3 and second 4 modules to one another and equally to ensure the antenna function required for the use of the card in “contactless” mode.
The opening or the closing of the conductive circuit composed of the conductive line of the antenna 12 is controlled by the second module 4. More specifically, the closing of this interconnection circuit can be performed only if the fingerprint of a holder authorized to use the card 1 is recognized by the biometric sensor 5 supported by the second module 4.
In
In this figure, the first 3 and second 4 modules are positioned respectively above the first 6 and second 7 cavities, in which they will be housed. The first 3 and second 4 modules comprise, for example, an inlay 15 composed of a flexible dielectric material (epoxy glass). On the front face of this inlay 15, the first module 3 comprises contacts 11 etched in a conductive layer (possibly with various coatings of this conductive layer in order to protect it from corrosion, reduce its contact resistance, improve the visual appearance thereof, etc.). The contacts 11 are linked electrically to an electronic chip 16 (for example of bank type compatible with the EMV interoperability standard) and to bonding pads 17 produced for example by etching a conductive layer deposited on the rear face of the inlay 15. The electrical link between the contacts 11 and the electronic chip 16, on the one hand, and the bonding pads 17, on the other hand, can be produced, as is known, using metallized holes, conductive wires—“wire bonding”—, or using any other appropriate technique.
The electronic chip 16 and any conductive wires thereof are protected by encapsulation.
As for the second module 4, it comprises, on the front face of its inlay 15, a biometric sensor 5. The electrical link between the biometric sensor 5 and the conductive circuit 12 can be produced according to one of the methods mentioned in relation to the description of the connection of the first module 3 to the conductive circuit 12. The electrical circuit situated on the rear face of the inlay of the second module comprises a controller 18 and a battery 19 which can be protected by encapsulation (which is the technique represented in
The connection between the antenna 12 and the bonding pads 17, 20 situated on the rear face of the first 3 and second 4 modules, can be made using one of the known connection types: solder connection, using a brazing paste or a conductive paste, or any other appropriate material. Alternatively, this connection can be made using connection units such as those described in the patent application filed under the number FR1652762 and the description of which is incorporated by reference.
The antenna 12, or other antenna dedicated to this function, and/or the contacts 11 can be used to recharge the battery 19 (respectively by induction or direct contact).
Thus, to fabricate such a card 1, it is possible to produce, on the one hand, the card body 2, by possibly implementing lamination steps, and, on the other hand, a functional module 4, possibly independent and comprising an energy power supply device 19. However, since the functional module 4 can be placed in a cavity formed in the body of the card 2 after the latter has been produced, the functional module does not risk being degraded during the lamination steps.
More particularly, with such a card 1, it is possible to separate the steps and the elements of its fabrication which come under the production of the body of the card and which exhibit risks for certain functional components (and in particular for the battery 19) and the steps and the elements of its fabrication which came under the production of the module or modules comprising the functional components to be protected. Thus, for example, a conductive circuit or an antenna can be laminated with the other constituent sheets of the card body 2, whereas the functional module or modules are connected to the conductive circuit or to the antenna when they are placed in their respective cavities produced in the card body 2.
Many variants can be envisaged to the embodiment described in relation to
Similarly, the second module 4 can comprise other functions in place of, or in addition to, the biometric measurement function mentioned above.
The second module 4, or even another module similar in its structure to the latter, can comprise a display device compatible, for example, with a “dynamic code verification” function (“dynamic CVV”) incorporated in the same module, or in another, as well as a battery 19, in particular for powering the display device. The display device is, for example, a device comprising an “electronic paper”, called “ePaper”, marketed by E-Ink®.
Other devices can be incorporated in the card, in addition to or in place of one or other of the devices already mentioned, either within a module such as the second module 4, or else in another module similar in its structure thereto: passive components, pushbutton (for example marketed by Nicomatic®), etc.
Thus, a fourth embodiment of the chip card according to the invention with a pushbutton is represented in relation to
According to this embodiment, the chip card 1 comprises a card body 2, a first module 3, a second module 4 and a third module 24.
The chip card 1 also comprises a bottom sheet 8, an intermediate sheet 9 and a top sheet 10, laminated together. The bottom 8 and top 10 sheets each comprise, respectively, an inner layer 25 and a finishing layer 26. Cavities 6, 7 are formed in the bottom sheet 8, in the top sheet 10 or in both. The intermediate sheet 9 comprises an interconnection conductive circuit 27. The conductive circuit 27 comprises, for example, a flexible substrate 28 on which electrically conductive tracks are produced, for example by etching a layer of conductive material laminated on the flexible substrate 28. The flexible substrate 28 is, for example, composed of a polyimide. The flexible substrate 28 supports several components such as a battery 19 (
The bonding pads 29 can be such as those produced on the connection units already mentioned above and described in the patent application filed under the number FR1652762. For example, the bonding pads 29 are produced on the flexible substrate 28 in the same way and at the same time as the conductive tracks. By contrast, the bonding pads 29 are not necessarily in electrical continuity with the conductive tracks. For example, bonding pads 29 can be used to establish an electrical connection between an antenna and the first module 3, whereas other bonding pads can be used to establish an electrical connection between the conductive circuit 27 and the second 4 and third 24 modules, without the antenna being connected to the conductive circuit 27. As represented in
The antenna 12 is described in relation to
The substrate 30 of the antenna 12 and the antenna 12, on the one hand, and the flexible substrate 28, are transferred one onto the other. The detail of this operation is not represented. Only the result thereof is visible in
Upon the assembly of the substrate 30 and of the flexible substrate 28 onto one another, the outer portions 36 of each bonding pad 29 are each linked electrically, respectively, to an end of the antenna 12.
The assembly comprising the flexible substrate 28 and its components as well as the substrate 30 and its antenna 12 forms the intermediate sheet 9.
The intermediate sheet 9 is laminated between the bottom 8 and top 10 sheets. The set of the bottom 8, top 10 and intermediate 9 sheets is represented in
A fifth exemplary embodiment of a chip card 1 is shown on
Rather than having several components (Micro-battery, microcontroller, etc.) mounted and connected to a flexible circuit 27, one can provide similar or identical functionalities with a single integrated circuit which already comprises several electronic elements mounted on a substrate and encapsulated or overmolded in an appropriate resin. Then, a second circuit can be provided as an interconnection flexible circuit with several pads for connecting the integrated circuit, on the one hand before lamination, and bonding pads (similar to those already described above, with first and second interconnected portions) for connecting an internal wiring and one or several other module(s), on the other hand, after lamination.
It is also to be noted that the connection of one or several modules 3, 4 to the bonding pads 29 can be made with solder drop or bumps or with anisotropic conductive films, etc. For example, solder drop or bumps are made by serigraphy in order to better control their shape. Possibly, a module 3 can be connected with bonding pads 29 provided with solder bumps and another module 4 can be connected with a different technique (e.g. anisotropic conductive films). In particular, when a module has many pads to be connected (e. g. 10 or 12 solder bumps may advantageously be replaced by anisotropic conductive films).
An example of method for fabricating a chip card according to the invention is shown on
At step A (
At step B (
At step C (
When several and/or large modules 3, 4 are intended to be inserted in the chip card 1, the surface of the connection units 27 compared to the chip card surface is relatively large. Further, depending on the material used as substrate 28 for connection units 27 and the material of the layers 25, 26, 33 below and/or above the connection units, card layers may not strongly adhere to one another after lamination. This can be an issue especially during the milling step. Advantageously, a layer of glue is then spread over at least a portion of one or both faces of the connection units 27.
The result of step C is shown on
At step D (
At step E (
Since the previous steps are advantageously carried out with a reel-to-reel process or at least with large sheets comprising several chip cards 1, chip cards 1 are cut out to individualize them. They are then ready to use.
Number | Date | Country | Kind |
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1751760 | Mar 2017 | FR | national |
Filing Document | Filing Date | Country | Kind |
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PCT/IB2018/000511 | 3/5/2018 | WO | 00 |