EP4552525B1 - Portemonnaie ou portefeuille avec une puce pour fonction de paiement et/ou de localisation - Google Patents

Portemonnaie ou portefeuille avec une puce pour fonction de paiement et/ou de localisation

Info

Publication number
EP4552525B1
EP4552525B1 EP24178932.0A EP24178932A EP4552525B1 EP 4552525 B1 EP4552525 B1 EP 4552525B1 EP 24178932 A EP24178932 A EP 24178932A EP 4552525 B1 EP4552525 B1 EP 4552525B1
Authority
EP
European Patent Office
Prior art keywords
chip
wallet
purse
outer side
payment
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
EP24178932.0A
Other languages
German (de)
English (en)
Other versions
EP4552525A1 (fr
EP4552525C0 (fr
Inventor
Steffen Malessa
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Pinkey Ag
Original Assignee
Pinkey Ag
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Pinkey Ag filed Critical Pinkey Ag
Priority to PCT/DE2024/100949 priority Critical patent/WO2025098570A1/fr
Publication of EP4552525A1 publication Critical patent/EP4552525A1/fr
Application granted granted Critical
Publication of EP4552525C0 publication Critical patent/EP4552525C0/fr
Publication of EP4552525B1 publication Critical patent/EP4552525B1/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • A—HUMAN NECESSITIES
    • A45—HAND OR TRAVELLING ARTICLES
    • A45C—PURSES; LUGGAGE; HAND CARRIED BAGS
    • A45C1/00—Purses; Money-bags; Wallets
    • A45C1/06—Wallets; Notecases
    • A—HUMAN NECESSITIES
    • A45—HAND OR TRAVELLING ARTICLES
    • A45C—PURSES; LUGGAGE; HAND CARRIED BAGS
    • A45C1/00—Purses; Money-bags; Wallets
    • A45C1/06—Wallets; Notecases
    • A45C2001/065—Wallets; Notecases combined with card holders

Definitions

  • the present invention relates to a purse or wallet with a payment chip according to the features in claim 1.
  • Such wallets are also called bifold or trifold wallets, meaning they can be folded out once or twice.
  • the trend is increasingly shifting toward wallets that store cards inside the wallet, for example, with a hard case made of plastic or aluminum, into which several cards can be inserted. These cards can then be gradually ejected via a dispensing mechanism.
  • a wallet for storing a tracker is known.
  • the wallet has a cutout so that the tracker is held in a pocket, directly visible from the outside.
  • a wallet with a chip in a front pocket is known, which can be connected to a computer via a USB port, for example.
  • the chip can be removed from the front pocket and connected to a computer's USB port.
  • the invention therefore has the object of providing a payment option that offers the consumer more security and at the same time more convenience compared to the prior art, and alternatively or additionally provides a location function for a corresponding purse or wallet.
  • the purse or wallet has an exterior. This exterior is made of a flexible material, particularly leather. This leather can be animal leather, synthetic leather, or even a microfiber material. Inside the purse or wallet, there is an interior compartment for cards and/or cash. There may be various card slots. The wallet may also contain a hard case for credit cards.
  • a chip is now integrated into the outer wall in such a way that it can be used for wireless contact payment, for example as a payment chip.
  • this is a tracking chip, which can also be called a tag or tracker.
  • Two chips can therefore be used: a tracking chip and a payment chip.
  • the chip is therefore an electronic component, which can also be referred to as an electrical circuit board.
  • the chip is programmable within the meaning of the invention.
  • the chip can also be referred to as a tracking chip or payment chip below. Both functions, i.e. tracking and payment, can also be fulfilled together by one chip.
  • the chip is incorporated into a leather or artificial leather or other flexible material on the outside in such a way that the chip is covered by the outside in relation to the environment, and is therefore covered or covered by the leather.
  • the chip is preferably based on NFC or RFID technology; in particular, it is a passive chip.
  • the chip is particularly formed from a microchip and antenna.
  • the chip can also be referred to as a board or module.
  • a battery can also be present to supply power to the chip and/or its antennas.
  • the payment chip can be individually loaded by the user with a specific amount of currency, or a credit card could be mirrored onto the payment chip. If a user now wants to pay for an item on-site, for example, in a restaurant, bakery, or even a store, they simply pull out their wallet and hold it with the payment chip against the payment terminal, usually a card reader.
  • the payment chip is programmed so that the predetermined currency is debited from the payment chip, similar to the function of an EC card or credit card.
  • the key advantage of the present invention is that it's no longer necessary to remove individual cards or cash from the wallet; instead, the wallet is simply held in front of the card reader or payment terminal.
  • the wallet doesn't even need to be opened. This is significantly more convenient, especially for multiple individual payments, especially for smaller amounts. For example, this involves picking up a few rolls from a bakery every day, where a few euros are needed to buy a few rolls. This eliminates the need to remove the credit card from the wallet.
  • the payment chip can be loaded with a predefined limit. Even if the payment chip were fraudulently read, the maximum amount debited will be the amount up to the limit, but not the entire amount, such as the balance on an EC card or the limit on a credit card.
  • RFID protection is the flat incorporation of an RFID grid or RFID film into the outer shell or underneath the outer shell. This RFID grid or RFID film then surrounds the interior of the purse or wallet.
  • RFID protection can also be the case, for example, made of a light metal, in which the credit cards are located. The chip is then located outside the case.
  • the chip is a tracking chip, it is also located outside or above the RFID protection, and the tracking function is not restricted or disturbed by the RFID protection.
  • the tracking chip also offers the advantage that a separate tracking device, i.e. an additional tag or tracker or even an additional tracking card, i.e. a tracking chip in the Credit card format can be dispensed with as it is already present in the wallet.
  • the chip can be charged with money, but in the case of a tracking chip, it can also be charged with electrical energy, for example, through inductive charging. While current battery technology allows for a tracking chip with a lifespan of two or three years, this lifespan can be extended even further through inductive charging.
  • the outer skin is formed with a wall thickness of more than 1 mm, especially with a wall thickness of 1.5 mm to 5 mm, and most advantageously from 2 mm to 3 mm.
  • the payment chip itself has a construction height of less than 3 mm, preferably less than 2 mm, preferably less than 1 mm, and can thus be integrated seamlessly and almost invisibly, in particular without increasing the thickness of the outer skin.
  • either the outer side or outer skin is formed as a single layer. This can then be cut at least partially along its plane. The resulting two parts of the outer skin, also referred to as skin flaps, are unfolded, the payment chip is inserted, and then glued and/or sewn together.
  • the payment chip can be arranged between layers. Furthermore, a recess is particularly preferably provided in which the chip is arranged. Thus, increasing the wall thickness of the outer side is not necessary.
  • the payment chip is then arranged almost invisibly beneath the outer side, at least away from visual access. Furthermore, if the interior of the wallet is filled, causing it to bulge outward, the payment chip would not be unnecessarily stretched or damaged due to tension. To this end, the payment chip is still positioned in a corner of the wallet, rather than centrally in the middle of the outer side.
  • a logo, emblem, or pattern can be placed on the outside of the purse or wallet.
  • the payment chip is then placed in the wall directly below this logo. This provides users with guidance and allows them to directly place their wallet or purse at the appropriate location on the payment terminal. This ensures that the payment process is highly likely to work on the first attempt, increasing user satisfaction.
  • the chip is positioned relatively centrally. If the chip and/or a corresponding antenna has a corresponding dimension greater than 1 cm x 1 cm, the central position of the chip ensures that it is positioned in the wallet in such a way that a credit card is inserted, in particular, on the inside.
  • the credit card provides the wallet with inherent stability in this area, reliably preventing accidental bending and thus damage to the chip or the antennas surrounding the chip.
  • Figure 1 shows a purse or wallet 1, which has an outer side 2. This is a classic purse with an interior 3.
  • Wallet 1 is constructed of two foldable parts. Credit cards or cash (not shown in detail) are arranged in the interior 3. A payment chip 4, represented by a dashed line, is integrated into the outer side 2. The payment chip 4 is thus integrated into the outer side 2 and thus located below a surface 5 of the outer side. The payment chip 4 is located in an upper right corner, relative to the image plane, i.e., in the area of a corner of the wallet.
  • the payment chip 4 is arranged below a logo or coat of arms, thus a marking 6.
  • the marking 6 is arranged in or on the surface 5 so that a user can easily locate the payment chip 4, thus increasing user-friendliness.
  • FIG 3 now shows a cross section according to between the line AA from Figure 1
  • the chip 4 is arranged beneath a surface 5 of the outside of the wallet.
  • the outside 2 here is constructed in multiple layers with an outer layer 7.
  • an RFID film or an RFID grid 8 is incorporated flatly.
  • a lining 9 or an inner layer is incorporated in the region of an inner side.
  • the chip 4 is now arranged beneath the surface 5, in particular in a space between the outer layer 7 and the lining 9.
  • a recess 10 is particularly preferably arranged, with the chip 4 being within the recess 10. In particular, as can be clearly seen in the image, this also prevents any outward curvature of the outer layer 7, so that the chip 4 is not crushed or clamped and is inevitably not visible from the outside.
  • Figure 4 shows an alternative design variant.
  • the outer side 2 is formed as a single layer by an outer layer 7.
  • the outer layer 7 itself has an incision 11 coming from one side and present in its longitudinal plane in order to arrange the chip 4 in an intermediate space or a recess 10. After the positioning of the chip 4, this incision 11 is again glued.
  • an RFID film 8 is then arranged here in relation to an interior space 3.
  • an outer layer 2 can be in the form of a A wax layer 12 or the like can optionally be applied to the outside.
  • a lining 9 can be arranged on an inner side.
  • Figure 5 shows another alternative design variant.
  • an outer layer 7 is provided.
  • the recess can, for example, be designed in the form of a specific milled recess, thus enabling optimal positioning of the chip 4.
  • a stabilizing layer 13, for example, a hard case for credit cards (not shown in detail), can be arranged beneath the inner side of the lining 9.
  • Figure 6 shows a design variant of a purse or wallet 1. It is a classic bifold wallet.
  • the chip 4 is arranged centrally on one outer side 2. From the inner side 14, i.e. on the back of the chip 4 (not shown in detail here), it is possible to directly insert a credit card 15.
  • This credit card 15 is thus arranged on the back of the chip 4 and gives the chip 4 its own inherent stability, so that damage to or destruction of the chip 4 due to bending or kinking of the wallet is avoided as far as possible.
  • the layer structure is in Figure 7 shown according to the section line BB.
  • the outer side 2 in turn has an outer layer 7 with a surface 5.
  • an RFID film or an RFID grid 8 is incorporated over a large area.
  • the chip 4 is arranged below the surface 5, in particular in a recess 10 between the RFID film 8 and the outer layer 7, so that the overall wall thickness is not completely increased or thickened by the chip 4, but only to a justifiable extent.
  • An inner lining or lining 9 is arranged below the RFID film 8.
  • the individual layers can optionally be glued together.
  • a pocket 16 for a credit card 15 is then shown directly on the inner side 14.
  • the credit card 15 is thus located on the inner side 14 or on the back of the chip 4 and thereby provides the outer side 2, in which the chip 4 is mounted, with inherent stability, so that unintentional damage to the chip 4 is reliably avoided.

Landscapes

  • Purses, Travelling Bags, Baskets, Or Suitcases (AREA)

Claims (8)

  1. Porte-monnaie ou portefeuille (1), présentant un côté extérieur (2) en un matériau flexible, avec une épaisseur de paroi et un espace intérieur (3) pour recevoir des cartes et/ou de l'argent liquide, dans lequel une puce (4) est intégrée dans la paroi du côté extérieur (2), de telle sorte qu'elle puisse être utilisée comme moyen de paiement sans contact et/ou comme puce de localisation, caractérisé en ce que le côté extérieur (2) est réalisé en similicuir ou en matériau à base de cuir animal, dans lequel le côté extérieur (2) recouvre ou couvre la puce (4) côté extérieur par rapport à l'environnement (U).
  2. Porte-monnaie ou portefeuille (1) selon la revendication 1, caractérisé en ce que le côté extérieur (2) présente une épaisseur de paroi d'au moins 1 mm, de préférence comprise entre 1,5 et 5 mm, de manière particulièrement préférée entre 2 et 3 mm.
  3. Porte-monnaie ou portefeuille (1) selon l'une quelconque des revendications précédentes, caractérisé en ce qu'un film de protection RFID (8) est incorporé, dans lequel la puce (4) est disposée par rapport à l'environnement à l'extérieur du film de protection RFID (8).
  4. Porte-monnaie ou portefeuille (1) selon l'une quelconque des revendications précédentes, caractérisé en ce que le côté extérieur (2) présente un marquage (6), en particulier un logo de marque ou un logo de position, dans lequel la puce (4) est disposée en dessous du marquage (6).
  5. Porte-monnaie ou portefeuille (1) selon l'une quelconque des revendications précédentes, caractérisé en ce que la puce (4) est disposée dans la zone d'un coin ou que la puce (4) est disposée au centre lorsque le porte-monnaie (1) est fermé.
  6. Porte-monnaie ou portefeuille (1) selon l'une quelconque des revendications précédentes, caractérisé en ce que le côté extérieur (2) est réalisé en deux couches, dans lequel la puce (4) est disposée dans un creux, en particulier dans un évidement (10).
  7. Porte-monnaie ou portefeuille (1) selon l'une quelconque des revendications précédentes, caractérisé en ce que le côté extérieur (2) est réalisé en une seule couche, dans lequel le côté extérieur (2) est découpé à partir d'un coin, de telle sorte que la puce (4) est logée dans la paroi.
  8. Porte-monnaie ou portefeuille (1) selon l'une quelconque des revendications précédentes, caractérisé en ce qu'au moins une carte de crédit (15) est disposée sur un côté intérieur (14) dans la zone dans laquelle la puce (4) est disposée.
EP24178932.0A 2023-11-09 2024-05-29 Portemonnaie ou portefeuille avec une puce pour fonction de paiement et/ou de localisation Active EP4552525B1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/DE2024/100949 WO2025098570A1 (fr) 2023-11-09 2024-11-08 Porte-monnaie ou portefeuille ayant une puce pour fonction de paiement et/ou fonction de localisation

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE202023106571 2023-11-09

Publications (3)

Publication Number Publication Date
EP4552525A1 EP4552525A1 (fr) 2025-05-14
EP4552525C0 EP4552525C0 (fr) 2025-10-22
EP4552525B1 true EP4552525B1 (fr) 2025-10-22

Family

ID=95398927

Family Applications (1)

Application Number Title Priority Date Filing Date
EP24178932.0A Active EP4552525B1 (fr) 2023-11-09 2024-05-29 Portemonnaie ou portefeuille avec une puce pour fonction de paiement et/ou de localisation

Country Status (1)

Country Link
EP (1) EP4552525B1 (fr)

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN205671679U (zh) * 2016-06-17 2016-11-09 浪潮集团有限公司 一种物联网钱包
CN111904123A (zh) * 2019-05-10 2020-11-10 永惠企业有限公司 用于折叠式皮夹的防盗录及低射频信号隔离片
DE202021102205U1 (de) * 2021-04-23 2021-08-02 Pinkey Ag Aufnahme einer Funktion für Tag

Also Published As

Publication number Publication date
EP4552525A1 (fr) 2025-05-14
EP4552525C0 (fr) 2025-10-22

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