• 专利附录
  • 专利说明
  • 权利要求
  • 类似技术
  • 同族专利
  • 引用文献
  • 法律状态
  • 优先权
    • 专利摘要:
    An electronic payment terminal having a magnetic stripe payment card reader comprising a card slot reinforced in its lower part by a metal rail (102) and a radio module integrated with at least one printed circuit (104). of said electronic payment terminal. According to the invention, the electronic payment terminal comprises a coupling device connected to said radio module via a metal part (302) assembled to a plastic part (301), said coupling device being adapted to form, with said metal rail (102 ), an antenna associated with said radio module.
    公开号:FR3040101A1
    申请号:FR1557675
    申请日:2015-08-11
    公开日:2017-02-17
    发明作者:Herman Demir；Cyril Janot
    申请人:Ingenico Group SA；
    IPC主号:
    专利说明:

    Electronic payment terminal and coupling device.
    1 FIELD OF THE INVENTION
    The present invention relates to the field of electronic payment terminals and more particularly to terminals offering magnetic stripe card payment functionality, via the passage of the magnetic stripe card in a specific reader, as well as radio communication functionalities ( GSM, GPRS, Wl Fl ...).
    More precisely, the invention relates to the optimization of the radiated performances of the antenna or antennas integrated in the terminals for the implementation of these radio communication functionalities.
    2 SOLUTIONS OF THE PRIOR ART
    The current electronic payment terminals typically offer several means of making a payment to a merchant: • the payment "contactless" (or "contactless" in English), by presentation, in front of a contactless reader, a credit card also presenting the contactless payment functionality; • the payment by insertion, in a specific reader, of a smart card and the entry, by the holder of the smart card, his PIN via the keyboard or screen of the electronic payment terminal; • the payment by reading the magnetic strip of a card, during the passage of the card in a specific reader. This function is commonly called the "swipe" function, and is illustrated for example in FIG. 1a, where a payment card 11 can be slid into a passage 101 of the electronic payment terminal 10 so that its magnetic strip can be read by the electronic payment terminal.
    The repeated passes of the cards for the payment by magnetic stripe reading entail a plastic wear in the passage of the cards in the electronic payment terminal. This is why most current electronic payment terminals have a reinforced card passage, for example by adding a metal piece having the shape of an integrated rail at the bottom of the card passage. Such a rail 102 is illustrated for example in FIG. 1b and presents an inexpensive solution against the wear of the passage 101 of the electronic payment terminal 10 due to the use of the "swipe" function. Moreover. this rail "swipe bottom" also allows precise positioning of the magnetic stripe payment card, during its passage, so as to ensure a quick payment and error-free reading of the magnetic strip. Nevertheless, from a radiofrequency point of view, and more particularly from the point of view of the radiated performances of the antennas, this metal part is a constraint. However, most current electronic payment terminals actually have "radio" functions, allowing for example communications via GSM, GPRS, WIFI and / or 3G technologies, in order to allow a wireless communication link between a bank server ( for example) and the electronic payment terminal.
    Schematically, the "radio" function in an electronic payment terminal can be broken down as follows, as illustrated in FIG. 2: • a radio module 20, corresponding to the part relating to the "conduit", integrated in the printed circuit of the terminal of electronic payment; • a radiating element or antenna, corresponding to the part relating to "radiated", which is highly dependent on the environment and in particular metal elements that may be nearby. Indeed, an antenna is a reversible emission-reception device of the field of electromagnetism, which allows the optimization of the propagation of a signal from the radio module in a media (air, vacuum, water, etc. .. .). This is known as impedance matching, the properties and performance of which are highly dependent on the environment.
    Thus, the radiated performances (efficiency, gain, directivity) of a radio function in an electronic payment terminal therefore essentially depend on the radiating element constituted by the antenna. It is therefore necessary and indispensable to have the most favorable environment possible for the implementation of this antenna.
    However, certain functional constraints disturb the environment of an antenna, such as for example the metal rail for reinforcing the magnetic card passage background, which has a great impact on the adaptation of the antenna, and therefore on the radiated performance of the terminal. electronic payment.
    The current techniques for developing the architecture of an electronic payment terminal are therefore based on obtaining a compromise between the functionalities (radio and "swipe" function) and the performances, necessarily leading to non-optimal solutions.
    There is therefore a need for a new technique for implementing the radio communication means of an electronic payment terminal also having the "swipe" function, allowing optimum performance at a lower cost.
    SUMMARY OF THE INVENTION The invention proposes a new solution that does not have all of these disadvantages of the prior art, in the form of an electronic payment terminal having a magnetic stripe payment card reader comprising a card slot reinforced in its lower part by a metal rail and a radio module integrated in at least one printed circuit of the electronic payment terminal, and comprising a coupling device connected to the radio module via a metal part assembled to a plastic part, the coupling device being adapted to form, with the metal rail, an antenna associated with the radio module.
    Thus, the invention proposes, according to its various embodiments, a new and inventive solution of the design of an electronic payment terminal having both a radio function and a "swipe" function, by integrating the reinforcement rail of the passage of the magnetic stripe card of the "swipe" function in the radiated part of the electronic payment terminal's radio function.
    To this end, the invention, according to its different embodiments, implements a so-called "coupling" device, connected to the radio module integrated in the printed circuit of the electronic payment terminal (to ensure the radio function) via a metal part. (for coupling) "carried" by a plastic part which makes it possible to control the positioning of the metal part with respect to the metal rail. Thus, the coupling device and the metal rail constitute the antenna associated with the radio module to ensure the radio function of the electronic payment terminal.
    In this way, the invention, according to its various embodiments, makes it possible to integrate the metal rail in the design of the antenna of the radio function of the electronic payment terminal, instead of considering this metal rail as a constraint for the architecture of the radio function of the electronic payment terminal, as in the prior art. Indeed, the metal part of the coupling device is directly connected to the radio module of the printed circuit of the electronic payment terminal, so as to ensure the connection between the "antenna" part (constituted by this metal part and the metal rail) and the part "leads" of the radio function.
    The plastic and metal parts of the coupling device are assembled / joined together, the plastic part serving as a support for the metal part and for arranging the metal part at the appropriate distance from the metal rail to obtain the best antenna performance. For example, these two parts of the coupling device are fixed by "bouterollage" technique commonly used to create a mechanical connection between several parts by partial deformation of a plastic part and in particular to assemble different materials such as metal and plastic.
    According to a particular aspect, the metal part of the coupling device has a shape adapted to ensure a coupling between the metal rail and the coupling device.
    Thus, according to this embodiment of the invention, the shape of the metal part of the coupling device makes it possible to define the adaptation of the coupling between the metal rail and the coupling device itself. The shape of the metal part of the coupling device therefore depends on various parameters related to other elements of the electronic payment terminal, such as for example the dimensions of the metal rail itself, the different frequencies of the radio technologies concerned ...
    The "shape" of this metallic part means not only its geometrical shape but also all its dimensions (width, length, thickness) which make it possible to obtain optimal antenna performances taking into account the metal rail.
    For example, the adapted shape of the metal part takes into account at least one parameter belonging to the group comprising: At least one dimension of the metal rail; • At least one operating characteristic of the radio module.
    According to a particular characteristic, the plastic part is assembled to the printed circuit and has a shape and a positioning relative to the metal rail adapted to respect a predetermined distance between the metal part and the metal rail.
    Thus, according to this embodiment of the invention, the shape and the positioning of the plastic part of the coupling device make it possible to optimize the coupling by precisely controlling the positioning of the metal part with respect to the metal rail. Indeed, the coupling is very strongly dependent on the gap between the coupling device (and more particularly its metal part) and the metal rail, and it is thanks to the plastic part (attached to the printed circuit) supporting the metal part that the best gap can be precisely respected. The plastic part thus contributes to the adaptation of the coupling between the metal rail and the coupling device. The invention also relates to a coupling device comprising at least one metal part assembled to a plastic part, adapted to be connected, via the metal part, to a radio module integrated with at least one printed circuit of an electronic payment terminal comprising a card passage reinforced in its lower part by a metal rail, and also adapted to form, with the metal rail, an antenna associated with the radio module.
    4 LIST OF FIGURES Other features and advantages of the invention will appear more clearly on reading the following description of a particular embodiment, given as a simple illustrative and nonlimiting example, and the appended drawings, among which: :
    FIGS. 1a and 1b, already commented on in relation to the prior art, illustrate examples of payment terminals according to the state of the art;
    FIG. 2, already commented on in relation to the prior art, presents a diagram of the radio function in an electronic payment terminal;
    FIG. 3 shows an example of a part of an electronic payment terminal according to one embodiment of the invention;
    Figures 4a to 4c respectively show a front view, in profile and from above of an example of a coupling device integrated in an electronic payment terminal, according to one embodiment of the invention.
    DETAILED DESCRIPTION OF THE INVENTION 5.1 General Principle
    The principle of the invention consists in integrating, in the radiated part of a payment terminal, the functional constraints of the presence of a reinforcing rail of the magnetic card passage, also called "swipe bottom" rail (also noted hereinafter metal rail). The solution of the invention therefore makes it possible to improve the radiated performance of the electronic payment terminal by this integration of the initial stress of the metal rail, unlike the solutions of the prior art seeking a compromise between performance and functionalities.
    The inventors of the present patent application started from the observation that the rails "swipe bottom" correspond most of the time to metal rods of a certain length which proves to correspond to physical lengths characteristic of the radio technologies concerned.
    Indeed, the radio technologies concerned (gsm / gprs / 3g) operate in the spectral range close to gigahertz (from 824mhz to 2100mhz), which corresponds to a wavelength of the order of 30 to 12 cm, that is that is to say at half wavelengths of the order of 15 to 6 cm. However, a rail "swipe bottom" conventionally has a length of the order of these half wavelengths, that is to say approximately 10 to 15 cm. The "swipe bottom" rail can therefore be considered as a radiating element at the radio frequencies concerned.
    The inventors have therefore sought a technical solution consisting in resonating the rail "swipe bottom" with the portion relating to the conduit of the radio function.
    To do this, the invention, according to its various embodiments, implements a coupling between a device (called "coupling") directly connected to the radio module of the electronic payment terminal and the metal rail, so as to integrate this metal rail in the design of the transceiver antenna for providing the radio function (s) of the electronic payment terminal, thereby improving the uncompromised radiated performance between the magnetic stripe reading functionality of a card and the performance of the radio antenna. 5.2 Description of an embodiment
    An example of a coupling device implemented in an electronic payment terminal is now presented in connection with FIGS. 3 and 4a to 4c.
    FIG. 3 firstly illustrates, according to a particular embodiment of the invention, the plastic part 301 of the coupling device 30, as well as the electronic card (or printed circuit) 104 of the electronic payment terminal and the rail metallic 102.
    In this example, the plastic portion 301 of the coupling device has a particular shape, intended to allow obtaining optimum performance of the antenna formed by the metal part (not shown) of the coupling device and the metal rail 102, while by being adapted to any other internal constraints of the structure of the electronic payment terminal.
    Thus, the plastic part 301 forming a support for the metal part of the coupling device, it makes it possible to precisely respect the desired gap between the metal part of the coupling device and the metal rail, in order to obtain the best coupling for the antenna.
    It should be noted that this difference, as well as the shape of the metal part of the coupling device, are predetermined for example as a function of the frequencies of the radio data technologies for the radio function of the electronic payment terminal and according to certain characteristics of the rail electronic payment terminal.
    The interactions between the different parts of the coupling device and the elements of the electronic payment terminal are described in greater detail in connection with FIGS. 4a to 4c.
    These figures illustrate a particular embodiment of the invention, respectively in front view, profile and from above. The shapes (and dimensions) of the plastic parts 301 and metal 302 of the coupling device 30 have been chosen by way of example only, to illustrate an example of positioning of the coupling device in the electronic payment terminal, in particular by relative to the metal rail 102 and the printed circuit 104. The skilled person can easily refer to his knowledge to determine the most suitable forms for these two parts of the coupling device, depending in particular on the desired radiated performance for the radio function and dimensions of the metal rail.
    Thus, in FIG. 4a (front view), the metal part 302 of the coupling device 30 is represented in the form of a black rectangle of thickness chosen to allow optimal coupling with the metal rail, knowing that the plastic part 301 allows, thanks to its shape and its positioning on the printed circuit 104 of the electronic payment terminal, optimal positioning of the metal part relative to the metal rail 102.
    For example, the metal part 302 corresponds to a piece of folded sheet fairly thin. Indeed, the thickness of the sheet for the metal part is not critical at the desired frequencies of use (skin effect known to those skilled in the art). For example, at 800MHz (low frequency), the skin effect gives a minimum critical thickness of about 2.5pm, so a piece of folded sheet of 200pm thick may be suitable for example.
    In Figure 4b (side view), the metal portion 302 is shown hatched, as in Figure 4c (top view), on which the gap between the metal portion 302 and the metal rail 102 is visible.
    These figures therefore also make it possible to illustrate one of the main functions of the plastic part 301 of the coupling device 30 which consists in forming a support for the metal part 302 so as to ensure its precise positioning with respect to the metal rail 102. Indeed, as already indicated above, the coupling between the two metal elements (metal part 302 and metal rail 102) of the antenna is very dependent on the difference between these two elements.
    Moreover, different joining / joining techniques can be implemented to ensure the support function of the metal part 302 by the plastic part 301, as by pegging. Any other technique for assembling the plastic and metal parts of the coupling device can be used.
    Similarly, the plastic portion 301 is assembled to the circuit board 104 of the electronic payment terminal by clipping for example. Here again, any other assembly technique for securing the plastic portion 301 and the printed circuit 104 that can be implemented.
    Finally, the metal part 302 is connected to the radio module 20 integrated in the printed circuit 104, in a known manner and not detailed in the present application, to allow the operation of the antenna thus obtained by coupling of this metal part and the metal rail ( present in the electronic payment terminal to strengthen the magnetic card pass). The integration of the coupling device 30 formed of a metal part 302, connected to the radio module 20 of the electronic payment terminal, and a plastic part 301 forming a support for the plastic part and being itself assembled to the printed circuit the electronic payment terminal, therefore allows, according to the various embodiments of the invention, to optimize the performance radiated from the radio function of the electronic payment terminal without degrading the other functions of the latter. 5.3 Other features and benefits
    Another problem is also solved by the present solution, concerning the impact of electrostatic discharges on the electronic payment terminal, in particular likely to damage the radio module.
    Indeed, the radio modules are generally not intended to withstand discharges greater than 2, see 6 kV, which is generally insufficient in view of the conventional operation of an electronic payment terminal. To overcome this drawback, antennas, being conductive, are generally made inaccessible or are protected against electrostatic attack (via the use of radome for example), according to different techniques of the prior art.
    However, the solution according to the different embodiments of the invention of integrating the metal rail in the implementation of the radio function of the electronic payment terminal, and more particularly in the antenna, allows, via the coupling carried out between the coupling device and the metal rail, to isolate the radio module of the electronic payment terminal and thus protect it against electrostatic attacks, despite the accessibility of this metal rail and its exposure to electrostatic discharges.
    The solution according to the different embodiments of the invention thus makes it possible to improve the performance radiated without compromise between the magnetic strip reading functionality of a card, the performance of the radio antenna and the immunity with respect to electrostatic attacks.
    权利要求:
    Claims (5)
    [1" id="c-fr-0001]
    An electronic payment terminal (10) having a magnetic stripe payment card reader including a card slot (101) reinforced in its lower portion by a metal rail (102) and a radio module (20) integrated with at least one a printed circuit board (104) of said electronic payment terminal (10), characterized in that it comprises a coupling device (30) connected to said radio module (20) via a metal part (302) assembled to a plastic part (301) ), said coupling device (30) being adapted to form, with said metal rail (102), an antenna associated with said radio module (20).
    [2" id="c-fr-0002]
    2. electronic payment terminal according to claim 1, characterized in that said metal portion (302) of said coupling device (30) has a shape adapted to ensure a coupling between said metal rail (102) and said coupling device (30). ).
    [3" id="c-fr-0003]
    3. electronic payment terminal according to claim 2, characterized in that said adapted form of said metal portion (302) takes into account at least one parameter belonging to the group comprising: • at least one dimension of said metal rail (102); At least one operating characteristic of said radio module (20).
    [4" id="c-fr-0004]
    An electronic payment terminal according to claim 1, characterized in that said plastic portion (301) is connected to said printed circuit (104) and has a shape and a positioning relative to said metal rail (102) adapted to respect a predetermined distance between said metal portion (302) and said metal rail (102).
    [5" id="c-fr-0005]
    5. Coupling device (30) characterized in that it comprises at least one metal part (302) assembled to a plastic part (301) and in that it is adapted to be connected via said metal part (302) , a radio module (20) integrated with at least one printed circuit (104) of an electronic payment terminal comprising a card slot (101) reinforced in its lower part by a metal rail (102), said coupling device (30) being adapted to form, with said metal rail (102), an antenna associated with said radio module (20).
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    同族专利:
    公开号 | 公开日
    US20170046678A1|2017-02-16|
    EP3131072A1|2017-02-15|
    US10217097B2|2019-02-26|
    FR3040101B1|2018-03-23|
    PL3131072T3|2019-03-29|
    CA2938640A1|2017-02-11|
    EP3131072B1|2018-10-03|
    ES2704287T3|2019-03-15|
    引用文献:
    公开号 | 申请日 | 公开日 | 申请人 | 专利标题
    US20050236480A1|2004-04-23|2005-10-27|Virtual Fonlink, Inc.|Enhanced system and method for wireless transactions|
    US20110084131A1|2009-10-13|2011-04-14|Mckelvey Jim|Systems and methods for card present transaction without sharing card information|
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    KR102330024B1|2015-03-27|2021-11-23|삼성전자 주식회사|Antenna apparatus and electronic device including the same|USD810817S1|2015-05-29|2018-02-20|Pax Computer TechnologyCo., Ltd.|Smart payment terminal|
    USD823935S1|2015-05-29|2018-07-24|Pax Computer TechnologyCo., Ltd.|Smart payment terminal|
    FR3057382B1|2016-10-07|2018-11-09|Ingenico Group|SYSTEM FOR CONVERTING A MOBILE ELECTRONIC PAYMENT TERMINAL TO A FIXED ELECTRONIC PAYMENT TERMINAL|
    CN109215215B|2018-09-06|2019-12-24|深圳中琛源科技股份有限公司|Mobile phone card reader with storage function based on block chain technology|
    USD915504S1|2019-08-21|2021-04-06|Pax Computer TechnologyCo., Ltd.|Smart payment terminal|
    法律状态:
    2016-08-24| PLFP| Fee payment|Year of fee payment: 2 |
    2017-02-17| PLSC| Publication of the preliminary search report|Effective date: 20170217 |
    2017-08-23| PLFP| Fee payment|Year of fee payment: 3 |
    2018-08-28| PLFP| Fee payment|Year of fee payment: 4 |
    2019-08-27| PLFP| Fee payment|Year of fee payment: 5 |
    2021-05-07| ST| Notification of lapse|Effective date: 20210405 |
    优先权:
    申请号 | 申请日 | 专利标题
    FR1557675A|FR3040101B1|2015-08-11|2015-08-11|ELECTRONIC PAYMENT TERMINAL AND COUPLING DEVICE|FR1557675A| FR3040101B1|2015-08-11|2015-08-11|ELECTRONIC PAYMENT TERMINAL AND COUPLING DEVICE|
    PL16183080T| PL3131072T3|2015-08-11|2016-08-05|Electronic payment terminal and coupling device|
    ES16183080T| ES2704287T3|2015-08-11|2016-08-05|Electronic payment terminal and coupling device|
    EP16183080.7A| EP3131072B1|2015-08-11|2016-08-05|Electronic payment terminal and coupling device|
    CA2938640A| CA2938640A1|2015-08-11|2016-08-10|Electronic payment terminal and coupling device|
    US15/234,156| US10217097B2|2015-08-11|2016-08-11|Electronic payment terminal and coupling device|
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