RF Proximity Financial Transaction Card Having Metallic Foil Layer(s)

• US 20110031319A1
• Filed: 08/05/2009
• Published: 02/10/2011
• Est. Priority Date: 08/05/2009
• Status: Active Grant

• Current Assignee: Perfect Plastic Printing Corporation
• Original Assignee: Perfect Plastic Printing Corporation
• Inventors: Rudolph, Nancie A., Kiekhaefer, John H.
• Granted Patent: US 8,393,547 B2
• Time in Patent Office: Days
• US Class Current: 235/492
• CPC Class Codes: G06K 19/02 characterised by the selection of materials, e.g. to avoid wear during transport through the machine
• CPC Class Codes: G06K 19/07722 the record carrier being multilayered, e.g. laminated sheets flat articles in general, see B32B37/00
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06K 19/07771 the record carrier comprising means for minimising adverse effects on the data communication capability of the record carrier, e.g. minimising Eddy currents induced in a proximate metal or otherwise electromagnetically interfering object

Abstract

A contactless financial transaction card includes a plastic inlay having first and second substantially planar surfaces bounded by a continuous peripheral edge. An integrated circuit carried by the inlay stores card-specific data. An antenna carried by the inlay is operatively connected to the integrated circuit. The foil layer provides the financial transaction card with a decorative metallic reflective appearance and is constructed to permit the antenna to inductively couple with the card reader within the maximum coupling distance. Printed graphics or text may be disposed on or above the metallic foil layer. The card is constructed to inductively couple with a card reader that is spaced from the card in order to support limited-range wireless communication between the card and the card reader up to a maximum coupling distance, beyond which it will not couple.

Claims

1. An RF proximity financial transaction card, comprising:

a plastic inlay having first and second substantially planar surfaces bounded by a continuous peripheral edge;

an integrated circuit carried by said inlay storing card-specific data;

an antenna carried by said inlay that is operatively connected to said integrated circuit;

a metallic foil layer substantially overlying at least one of said substantially planar surfaces, said foil layer providing said financial transaction card with a decorative metallic reflective appearance;

printed graphics or text on or above said metallic foil layer; and

said card being constructed to inductively couple with an RF proximity card reader that is spaced from said card in order to support limited-range wireless communication between the card and the card reader up to a maximum coupling distance, beyond which said card will not couple.

2. The RF proximity financial transaction card of claim 1, additionally including a magnetic storage device storing card specific data.

3. The RF proximity financial transaction card of claim 1, additionally including a signature panel.

4. The RF proximity financial transaction card of claim 1, wherein there is a single one of said metallic foil layers that includes a plastic backing layer supporting a metal layer, said metallic foil layer overlying a first one of said substantially planar surfaces, and wherein said financial transaction card further comprises a substitute plastic substrate overlying a second one of said substantially planar surfaces.

5. The RF proximity financial transaction card of claim 1, wherein there are two of said metallic foil layers that each include a plastic backing layer supporting a metal layer, said metallic foil layers respectively overlying said first and second substantially planar surfaces.

6. The RF proximity financial transaction card of claim 1, further including one or more additional protective plastic layers or protective press-polish coatings respectively overlying said metallic layer and said first and second substantially planar surfaces.

7. The RF proximity financial transaction card of claim 1, wherein said maximum coupling distance is less than approximately 10 cm.

8. The RF proximity financial transaction card of claim 1, wherein said maximum coupling distance is less than approximately 4 cm.

9. The RF proximity financial transaction card of claim 1, wherein said maximum coupling distance is between approximately 4 and 10 cm.

10. The RF proximity financial transaction card of claim 1, wherein said maximum coupling distance is approximately 8 cm.

11. The RF proximity financial transaction card of claim 1, wherein said card is designed to inductively couple with said card reader operating at a frequency of approximately 13-17.5 MHz.

12. The RF proximity financial transaction card of claim 1, wherein said card is designed to inductively couple with said card reader operating at a frequency of approximately 13-17.5 MHz and at approximately 1.5-7.5 A/m rms field strength.

13. The RF proximity transaction card of claim 1, wherein said antenna comprises one or more four-sided antenna windings arranged in proximity to said peripheral edge on at least two sides thereof.

14. The RF proximity transaction card of claim 1, wherein said antenna comprises one or more four-sided antenna windings arranged in proximity to said peripheral edge on four sides thereof.

15. The RF proximity financial transaction card of claim 1, wherein said metallic foil layer has a surface appearance or finish that is selected from the group consisting of mirror reflective, gloss, semi-gloss, matte, rainbow, tinted, anodized, brushed, embossed, chemically etched, laser etched, holographically imaged, holographically etched, and combinations of any of the foregoing, and wherein said metallic foil layer has a color selected from the group consisting of aluminum, silver, gold, copper, chrome, bronze, gun-metal, charcoal, black, grey, blue, red, green and combinations of any of the foregoing.

16. The RF proximity transaction card of claim 1, wherein said metallic foil layer comprises metal selected from the group consisting of aluminum, copper, nickel, gold, silver, chromium, tin and lead.

17. The RF proximity transaction card of claim 1, wherein said metallic foil layer comprises a self-supporting metal foil sheet having a metal thickness of approximately 0.2-10 mils.

18. The RF proximity financial transaction card of claim 17, wherein said metallic foil layer is selectively patterned with one or more cutouts in the vicinity of said antenna.

19. The RF proximity financial transaction card of claim 18, wherein said one or more cutouts include a cutout that is shaped, sized and located to conform to said antenna.

20. The RF proximity financial transaction card of claim 18, wherein said one or more cutouts are shaped as notches that cross said antenna.

21. The RF proximity financial transaction card of claim 18, wherein said one or more cutouts are shaped as slits that cross said antenna.

22. The RF proximity financial transaction card of claim 1, wherein said metallic foil layer comprises a plastic substrate having a continuous metal coating vacuum deposited or sputtered thereon.

23. The RF proximity financial transaction card of claim 22, wherein said metallic foil layer comprises a plastic substrate having a continuous metal coating vacuum deposited thereon at a thickness of approximately 5-1000 Angstroms or sputtered thereon at a thickness of approximately 5-5000 Angstroms.

24. The RF proximity financial transaction card of claim 22, wherein said metal coating has a metal weight/area of approximately 0.000111 g/sq. in. or less.

25. The RF proximity financial transaction card of claim 22, wherein said metal coating comprises aluminum and has a thickness of approximately 5-640 Angstroms.

26. The RF proximity financial transaction card of claim 22, wherein said metal coating comprises aluminum and has a thickness of approximately 5-350 Angstroms.

27. The RF proximity financial transaction card of claim 22, wherein said metal coating is patterned as necessary in the vicinity of said antenna if said metal coating is too thick to otherwise allow said card to couple to said reader.

28. The RF proximity financial transaction card of claim 22, wherein said metal coating is selected from the group consisting of aluminum, copper, nickel, gold, silver, chromium, tin and lead or combinations thereof.

29. An RF contactless financial transaction card, comprising:

a plastic inlay having first and second substantially planar surfaces bounded by a continuous peripheral edge;

an integrated circuit carried by said inlay storing card-specific data;

an antenna carried by said inlay that is operatively connected to said integrated circuit;

said antenna including one or more four-sided antenna windings arranged in proximity to said peripheral edge on least two, three or four sides thereof.

a metallic foil layer substantially overlying at least one of said substantially planar surfaces, said foil layer providing said financial transaction card with a decorative metallic reflective appearance;

said card being constructed to inductively couple with an RF card reader that is spaced from said card in order to support limited-range wireless communication between said card and said card reader up to a maximum coupling distance of approximately 10 cm, beyond which said card will not couple with said card reader, said card reader operating at a frequency of approximately 13-17.5 MHz and at approximately 1.5-7.5 A/m rms field strength;

said metallic foil layer having a surface appearance/finish that is selected from the group consisting of mirror reflective, gloss, semi-gloss, matte, rainbow, tinted, anodized, embossed, chemically etched, laser etched, holographically imaged, holographically etched, or combinations of any of the foregoing;

said metallic foil layer further having a color selected from the group consisting of aluminum, silver, gold, copper, chrome, bronze, gun-metal, charcoal, black, grey, blue, red, green and combinations of any of the foregoing;

said metallic foil layer comprising a metal selected from the group consisting of aluminum, copper, nickel, gold, silver, chromium, tin and lead;

said metallic foil layer comprising a self-supporting metal foil sheet having a metal thickness of approximately 0.2-10 mils;

said metallic foil layer being selectively patterned with one or more cutouts in the vicinity of said antenna;

said one or more cutouts being selected from the group consisting of (1) a cutout that is shaped, sized and located to conform to said antenna windings, (2) cutouts that are shaped as notches that cross said antenna windings, and (3) cutouts that are shaped as slits that cross said antenna windings;

said card having one of (1) a single one of said metallic layer that includes a plastic backing layer overlying a first one of said substantially planar surfaces, and a substitute plastic layer overlying a second one of said substantially planar surfaces, or (2) two of said metallic layers that each include a plastic backing layer respectively overlying said first and second substantially planar surfaces;

said card having one or more additional protective plastic layers or protective press-polish coatings respectively overlying said metallic layer and said first and second substantially planar surfaces; and

printed graphics or text on or overlying said metallic foil layer.

30. An RF contactless financial transaction card, comprising:

a plastic inlay having first and second substantially planar surfaces bounded by a continuous peripheral edge;

an integrated circuit carried by said inlay storing card-specific data;

an antenna carried by said inlay that is operatively connected to said integrated circuit;

said antenna including one or more four-sided antenna windings arranged in proximity to said peripheral edge on least two, three or four sides thereof a metallic foil layer substantially overlying at least one of said substantially planar surfaces, said foil layer providing said financial transaction card with a decorative metallic reflective appearance;

said card being constructed to inductively couple with an RF card reader that is spaced from said financial transaction card in order to support limited-range wireless communication between said card and said card reader up to a maximum coupling distance of approximately 10 cm, beyond which said card will not couple with said card reader, said card reader operating at a frequency of approximately 13-17.5 MHz and at approximately 1.5-7.5 A/m rms field strength;

said metallic foil layer having a surface appearance/finish that is selected from the group consisting of mirror reflective, gloss, semi-gloss, matte, rainbow, tinted, anodized, embossed, chemically etched, laser etched, holographically imaged, holographically etched, or combinations of any of the foregoing;

said metallic foil layer further having color selected from a group consisting of aluminum, silver, gold, copper, chrome, bronze, gun-metal, charcoal, black, grey, blue, red, green and combinations of any of the foregoing;

said metallic foil layer comprising a metal selected from the group consisting of aluminum, copper, nickel, gold, silver, chromium, tin and lead;

said metallic foil layer comprising a plastic substrate having a metal coating vacuum deposited or sputtered thereon having a metal weight/area of approximately 0.000000868-0.000111 g/sq. in.;

said card having one of (1) a single one of said metallic layer that includes a plastic backing layer overlying a first one of said substantially planar surfaces, and a substitute plastic layer overlying a second one of said substantially planar surfaces, or (2) two of said metallic layers that each include a plastic backing layer respectively overlying said first and second substantially planar surfaces;

said card having one or more additional protective plastic layers or protective press-polish coatings respectively overlying said metallic layer and said first and second substantially planar surfaces; and

printed graphics or text on or overlying said metallic foil layer.

31. An RF contactless financial transaction card, comprising:

a plastic inlay having first and second substantially planar surfaces bounded by a continuous peripheral edge;

an integrated circuit carried by said inlay storing card-specific data;

an antenna carried by said inlay that is operatively connected to said integrated circuit;

said antenna including one or more four-sided antenna windings arranged in proximity to said peripheral edge on least two, three or four sides thereof.

a metallic foil layer substantially overlying at least one of said substantially planar surfaces, said foil layer providing said financial transaction card with a decorative metallic reflective appearance and being constructed to permit said antenna to inductively couple with said card reader within said maximum coupling distance;

said card being constructed to inductively couple with an RF card reader that is spaced from said card in order to support limited-range wireless communication between said card and said card reader up to a maximum coupling distance of approximately 10 cm, beyond which said card will not couple with said card reader, said card reader operating at a frequency of approximately 13-17.5 MHz and at approximately 1.5-7.5 A/m rms field strength;

said metallic foil layer having a surface appearance/finish that is selected from the group consisting of mirror reflective, gloss, semi-gloss, matte, rainbow, tinted, anodized, embossed, chemically etched, laser etched, holographically imaged, holographically etched, or combinations of any of the foregoing;

said metallic foil layer further having color selected from a group consisting of aluminum, silver, gold, copper, chrome, bronze, gun-metal, charcoal, black, grey, blue, red, green and combinations of any of the foregoing;

said metallic foil layer comprising a metal selected from the group consisting of aluminum, copper, nickel, gold, silver, chromium, tin and lead;

said metallic foil layer comprising a plastic substrate having a metal coating vacuum deposited thereon to a thickness of approximately 5-1000 Angstroms or sputtered thereon to a thickness of approximately 5-5000 Angstroms;

said metallic foil layer being selectively patterned with one or more cutouts in the vicinity of said antenna;

said one or more cutouts being selected from the group consisting of (1) a cutout that is shaped, sized and located to conform to said antenna windings, (2) cutouts that are shaped as notches that cross said antenna windings, and (3) cutouts that are shaped as slits that cross said antenna windings;

said card having one of (1) a single one of said metallic layer that includes a plastic backing layer overlying a first one of said substantially planar surfaces, and a substitute plastic layer overlying a second one of said substantially planar surfaces, or (2) two of said metallic layers that each include a plastic backing layer respectively overlying said first and second substantially planar surfaces;

said card having additional protective plastic layers or protective press-polish coatings respectively overlying said metallic layers and first and second substantially planar surfaces; and

printed graphics or text on or overlying said metallic foil layer.