Contactless proximity communications apparatus and method

• US 20070040030A1
• Filed: 08/04/2006
• Published: 02/22/2007
• Est. Priority Date: 08/16/2005
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Wankmueller, John, Kranzley, Arthur, Lulic, Mark
• Application Number:
  US11/499,098
• Publication Number:
  US 20070040030A1
• Time in Patent Office: Days
• US Class Current: 235/451
• CPC Class Codes: G06K 19/07327 Passive means, e.g. Faraday cages Faraday-type protection of electric circuits in general H05K9/00

Abstract

Techniques for reducing or eliminating the likelihood of fraud in a contactless proximity communications apparatus are provided. The apparatus can include a body portion with a body, a communications circuit, and an antenna. The apparatus can also include a signal-disrupting portion that is mounted for motion, such as rotary or linear motion, with respect to the body portion and configured to substantially disrupt RF signals in a first position, and to move to a second position where RF communication is possible.

Claims

1. A contactless proximity communication apparatus comprising:

a body portion, said body portion in turn comprising;

a body;

a communications circuit associated with said body; and

an antenna electrically coupled to said communications circuit; and

a signal-disrupting portion mounted for motion with respect to said antenna, said signal-disrupting portion being configured to substantially disrupt RF signals associated with said antenna in a first position and to permit substantially unimpeded passage of the RF signals associated with said antenna in a second position, said signal-disrupting portion being formed from a material exhibiting low magnetic permeability.

2. The apparatus of claim 1, wherein said signal disrupting portion is generally planar, said antenna has first and second major sides, and said signal disrupting portion is substantially adjacent only a single one of said first and second major sides of said antenna in said first position.

3. The apparatus of claim 2, wherein said signal disrupting portion substantially covers said single one of said first and second major sides of said antenna in said first position.

4. The apparatus of claim 3, wherein said signal-disrupting portion is at least partially formed from a conductive material.

5. The apparatus of claim 4, wherein said conductive material is metallic.

6. The apparatus of claim 4, wherein:

said body is in the form of a card having a peripheral portion;

said antenna comprises a coil formed substantially about said peripheral portion; and

said circuit comprises a passive transponder.

7. The apparatus of claim 3, wherein said motion is substantially rotary motion, further comprising a hinge, said hinge mounting said signal-disrupting portion for said substantially rotary motion with respect to said antenna.

8. The apparatus of claim 7, wherein said body is in the form of a card, said card defining a keyhole-shaped region adapted for releasable retention of said hinge.

9. The apparatus of claim 3, wherein said body portion further comprises a contact- readable portion and said signal-disrupting portion is configured to permit substantially free access to said contact-readable portion in at least said second position.

10. The apparatus of claim 3, wherein said signal-disrupting portion is configured to function as:

a handle in at least one of said first and second positions; and

a visual indicator of whether said apparatus is presently enabled for RF communication.

11. The apparatus of claim 3, wherein said body portion is in the form of a card and said signal-disrupting portion is also in the form of a card, said signal disrupting portion being substantially coextensive with said first portion in said first position.

12. The apparatus of claim 11, wherein said signal disrupting portion comprises a substrate and a metallic foil associated with said substrate.

13. The apparatus of claim 3, wherein said motion is substantially linear motion, further comprising a track formed on one of said body portion and said signal-disrupting portion, said track mounting said signal-disrupting portion for said substantially linear motion with respect to said antenna.

14. The apparatus of claim 13, wherein said track is formed on said signal-disrupting portion, said track comprising channel-like extensions for receiving said body portion.

15. The apparatus of claim 13, wherein said body portion, said antenna, and said signal-disrupting portion each have a planform area, said planform area of said antenna is no more than about one-half of said planform area of said body portion, and said planform area of said signal-disrupting portion is at least substantially the same as that of said antenna.

16. A kit of parts comprising:

a signal-disrupting structure having a conductive portion adapted to substantially disrupt radio frequency (RF) signals, said signal-disrupting portion being formed from a material exhibiting low magnetic permeability; and

a mounting portion securable to said signal-disrupting structure.

17. The kit of parts of claim 16, adapted for use with an RF payment card comprising an antenna having first and second major sides, further comprising an instruction sheet providing instructions for assembling said signal-disrupting structure to the payment card with said mounting portion such that said signal-disrupting structure will be mounted for motion with respect to the payment card upon assembly thereto, said signal-disrupting structure being configured to substantially disrupt the RF signals in a first position relative to the antenna and to permit substantially unimpeded passage of the RF signals in a second position relative to the antenna.

18. The kit of parts of claim 17, wherein said signal disrupting structure is configured to be substantially adjacent only a single one of said first and second major sides of said antenna in said first position.

19. The kit of parts of claim 18, wherein said signal disrupting structure is configured to substantially cover said single one of said first and second major sides of said antenna in said first position.

20. The kit of parts of claim 19, wherein said motion is substantially rotary, further comprising the RF payment card with the antenna having the first and second major sides, wherein said mounting portion comprises a hinge.

21. The kit of parts of claim 19, wherein said motion is substantially linear, further comprising the RF payment card with the antenna having the first and second major sides, wherein said mounting portion comprises one of:

a track formed on said signal-disrupting structure for receipt of said card; and

a track-engaging portion formed on said signal-disrupting structure so as to engage a track of said card;

said mounting portion mounting said signal-disrupting structure to said card for said substantially linear motion with respect to said antenna.

22. A method of reducing the likelihood of unauthorized access to a proximity communication apparatus while permitting appropriate access, said method comprising the steps of:

maintaining said apparatus in a first state wherein a signal-disrupting structure is positioned to substantially disrupt radio frequency (RF) communication with said apparatus, said signal-disrupting structure being formed from a material exhibiting low magnetic permeability; and

transitioning said apparatus to a second state when RF communication is desired, said signal-disrupting structure being moved, in said second state, such that RF communication can proceed in a substantially unimpeded manner.

23. The method of claim 22, wherein said signal disrupting structure is generally planar, said apparatus comprises an antenna, said antenna has first and second major sides, and said signal disrupting structure is substantially adjacent only a single one of said first and second major sides of said antenna in said first state.

24. The method of claim 23, wherein said signal disrupting structure substantially covers said single one of said first and second major sides of said antenna in said first state.

25. The method of claim 24, wherein said signal-disrupting structure is at least partially formed from a conductive material.

26. The method of claim 25, wherein said signal-disrupting structure is moved in a substantially rotary manner with respect to said antenna.

27. The method of claim 25, wherein said signal-disrupting structure is moved in a substantially linear manner with respect to said antenna.

28. A contactless proximity communication apparatus comprising:

a body portion, said body portion in turn comprising;

a body;

a communications circuit associated with said body; and

an antenna electrically coupled to said communications circuit; and

a signal-disrupting portion mounted for motion with respect to said body portion, said signal-disrupting portion being configured to substantially disrupt RF signals associated with said antenna in a first position and to permit substantially unimpeded passage of the RF signals associated with said antenna in a second position, wherein said signal disrupting portion is generally planar, said antenna has first and second major sides, and said signal disrupting portion is substantially adjacent only a single one of said first and second major sides of said antenna in said first position.

29. The apparatus of claim 28, wherein said signal disrupting portion substantially covers said single one of said first and second major sides of said antenna in said first position.

30. The apparatus of claim 29, wherein said signal-disrupting portion is at least partially formed from a conductive material.

31. The apparatus of claim 30, wherein said conductive material is metallic.

32. The apparatus of claim 30, wherein said motion is substantially rotary motion, further comprising a hinge, said hinge mounting said signal-disrupting portion for said substantially rotary motion with respect to said antenna.

33. The apparatus of claim 32, wherein said body is in the form of a card, said card defining a keyhole-shaped region adapted for releasable retention of said hinge.

34. The apparatus of claim 30, wherein said motion is substantially linear motion, further comprising a track formed on one of said body portion and said signal-disrupting portion, said track mounting said signal-disrupting portion for said substantially linear motion with respect to said antenna.

35. A kit of parts adapted for use with an RF payment card comprising an antenna having first and second major sides, said kit comprising:

a signal-disrupting structure having a conductive portion adapted to substantially disrupt radio frequency (RF) signals when in a first position relative to the antenna and to permit substantially unimpeded passage of the RF signals when in a second position relative to the antenna; and

a mounting portion securable to said signal-disrupting structure;

wherein said signal disrupting structure is configured to be substantially adjacent only a single one of said first and second major sides of said antenna in said first position.

36. The kit of parts of claim 35, wherein said signal disrupting structure is configured to substantially cover said single one of said first and second major sides of said antenna in said first position.

37. The kit of parts of claim 36, further comprising an instruction sheet providing instructions for assembling said signal-disrupting structure to the payment card with said mounting portion such that said signal-disrupting structure will be mounted for motion with respect to the payment card upon assembly thereto.

38. The kit of parts of claim 37, wherein said motion is substantially rotary, further comprising the RF payment card, wherein said mounting portion comprises a hinge.

39. The kit of parts of claim 38, wherein said motion is substantially linear, further comprising the RF payment card, wherein said mounting portion comprises one of:

a track formed on said signal-disrupting structure for receipt of said card; and

a track-engaging portion formed on said signal-disrupting structure so as to engage a track of said card;

said mounting portion mounting said signal-disrupting portion to said card for said substantially linear motion with respect to said antenna.

40. A method of reducing the likelihood of unauthorized access to a proximity communication apparatus while permitting appropriate access, said method comprising the steps of:

maintaining said apparatus in a first state wherein a signal-disrupting structure is positioned to substantially disrupt radio frequency (RF) communication with said apparatus; and

transitioning said apparatus to a second state when RF communication is desired, said signal-disrupting structure being moved, in said second state, such that RF communication can proceed in a substantially unimpeded manner;

wherein said signal disrupting structure is generally planar, said apparatus comprises an antenna, said antenna has first and second major sides, and said signal disrupting structure is substantially adjacent only a single one of said first and second major sides of said antenna in said first state.

41. The method of claim 40, wherein said signal disrupting structure substantially covers said single one of said first and second major sides of said antenna in said first state.

42. The method of claim 41, wherein said signal-disrupting portion is at least partially formed from a conductive material.

43. The method of claim 42, wherein said signal-disrupting structure is moved in a substantially rotary manner with respect to said antenna.

44. The method of claim 42, wherein said signal-disrupting structure is moved in a substantially linear manner with respect to said antenna.

45. A contactless proximity communication apparatus comprising:

a body portion, said body portion in turn comprising;

a body defining a keyhole-shaped region;

a communications circuit associated with said body; and

an antenna electrically coupled to said communications circuit;

a signal-disrupting portion configured to substantially disrupt RF signals associated with said antenna in a first position and to permit substantially unimpeded passage of the RF signals associated with said antenna in a second position; and

a hinge, said keyhole-shaped region being adapted for releasable retention of said hinge, said hinge mounting said signal-disrupting portion for said substantially rotary motion with respect to said body portion between said first and second positions.

46. A kit of parts adapted for use with an RF payment card comprising an antenna having first and second major sides and a body defining a keyhole-shaped region, said kit comprising:

a signal-disrupting structure having a conductive portion adapted to substantially disrupt radio frequency (RF) signals when in a first position relative to the antenna and to permit substantially unimpeded passage of the RF signals when in a second position relative to the antenna; and

a hinge portion securable to said signal-disrupting structure and configured to snap into the keyhole-shaped region of the card.

47. The kit of parts of claim 46, further comprising an instruction sheet providing instructions for assembling said signal-disrupting structure to the payment card with said hinge portion such that said signal-disrupting structure will be mounted for substantially rotary motion with respect to the antenna upon assembly thereto by snapping said hinge into the keyhole-shaped region of the card.

48. The kit of parts of claim 47, further comprising the RF payment card having:

a body, said body defining the keyhole-shaped region;

a communications circuit associated with said body; and

the antenna having the first and second major sides and electrically coupled to said communications circuit;

wherein said hinge portion is adapted to snap into said keyhole-shaped region and to secure said RF payment card to said signal-disrupting structure such that said antenna and said structure are capable of said substantially rotary motion between said first position and said second position.

49. A kit of parts adapted for use with a wallet and an RF payment card comprising an antenna having first and second major sides, said kit comprising:

a signal-disrupting structure having a conductive portion adapted to substantially disrupt radio frequency (RF) signals when in a first position relative to the antenna and to permit substantially unimpeded passage of the RF signals when in a second position relative to the antenna, said first position being collocated with the card in the wallet, said second position being in the wallet with the card moved away from the wallet;

wherein said signal disrupting portion is configured to be substantially adjacent only a single one of said first and second major sides of said antenna in said first position; and

an instruction sheet providing instructions for collocating said signal-disrupting structure in the wallet with the card when protection from communication is desired and for removing the card from the wallet while leaving said signal-disrupting structure in the wallet when communication is desired.

50. The kit of parts of claim 49, further comprising the RF payment card comprising the antenna having the first and second major sides.

51. The kit of parts of claim 49, wherein said signal-disrupting structure is formed from a material exhibiting low magnetic permeability.

52. The kit of parts of claim 51, wherein said material is metallic.

53. The kit of parts of claim 49, wherein said signal-disrupting portion and the card have substantially similar form factors.

54. A method of reducing the likelihood of unauthorized access to a proximity communication apparatus while permitting appropriate access, said method comprising the steps of:

maintaining said apparatus in a wallet adjacent a signal-disrupting structure that is positioned to substantially disrupt radio frequency (RF) communication with said apparatus; and

removing said apparatus from said wallet when RF communication is desired, while leaving said signal-disrupting apparatus therein, such that RF communication can proceed in a substantially unimpeded manner;

wherein said signal disrupting portion is generally planar, said apparatus comprises an antenna having first and second major sides, and said signal disrupting portion is substantially adjacent only a single one of said first and second major sides of said antenna in said wallet.

55. The method of claim 54, wherein said signal-disrupting portion is formed from a material exhibiting low magnetic permeability.

56. The method of claim 55, wherein said material is conductive.

57. The method of claim 56, wherein said material is metallic.

58. A system comprising:

a wallet;

an RF payment card comprising an antenna having first and second major sides; and

a signal-disrupting structure having a conductive portion adapted to substantially disrupt radio frequency (RF) signals when in a first position relative to the antenna and to permit substantially unimpeded passage of the RF signals when in a second position relative to the antenna, said first position being collocated with the card in the wallet, said second position being in the wallet with the card moved away from the wallet;

wherein said signal disrupting portion is configured to be substantially adjacent only a single one of said first and second major sides of said antenna in said first position.