Bank card with display screen

#The invention relates to a bank card with a display screen.

#Bank cards have electronic chips for transaction security. The EMV standard was created by Europay, MasterCard and Visa, the initials of which relate to the definition of an interoperability and security standard between smart bank cards. For a card to have EMV certification, it must have a chip, which is itself certified and has a contact type interface according to the standard ISO 7816 and/or a contactless interface according to the standard ISO 14443. To limit the risks of hacking, EMV chips do not have any other communication interface.

#Besides, the making of smart cards with a screen and one or more pushbuttons to communicate with the cardholder is also known. These cards are not currently widespread and are used for generating single-use passwords for computer transactions. Such cards generally have a chip with a contact or contactless smart card communication interface and a communication port designed for communication with other integrated circuits such as for example an I2C communication interface or General Purpose Input/Output (GPIO) ports. It is thus possible for a smart card microcontroller to communicate with a display controller that controls a liquid crystal display or a so-called “electronic ink” display.

#The invention will be better understood and other particularities and benefits will become clear in the description below, which refers to the attached drawings, among which FIGS. 1 to 3 represent three embodiments of the invention.

#FIG. 1 is a functional diagram of a first embodiment of the invention. In this embodiment, the bank card 100 is a contact type smart card comprising a secure chip 101 with a communication interface in accordance with the standard ISO 7816 connected to a connector 102 comprising contact pads that are also defined by the standard 7816. The secure chip 101 is for example a chip that meets the EMV standard and comprises restricted-access data and other so-called public data. The restricted-access data require the use of a password or encrypted messages whereas public data may be accessed for reading and/or writing by any reader that complies with the standard ISO 7816.

#During a payment that uses the secure chip 101, the bank card 100 is inserted in a secure reader which verifies a PIN number entered by the holder of the card to verify that the card holder is the right one, followed by the exchange of secure information via encrypted messages between the card, the reader and possibly a remote server to verify if the card debit is or is not authorised. When the transaction is completed, the information is updated in the card and the reader to indicate the amount of the transaction completed and possibly the balance remaining in the card. The completed transaction amounts that are stored in the card have no legal value and do not contain confidential information, and are thus generally saved in a non-secure memory zone, which is thus accessible by any type of reader that complies with the standard ISO 7816. These data are not sensitive data and can thus be exchanged in clear form with identifiable writing commands.

#In order to display the latest transactions completed, the bank card 100 has an electronic display 103, a battery 104 and a command interception circuit 150. The interception circuit 150 may be made of a single integrated circuit or possibly several circuits. In terms of manufacturing, the interception circuit 150 may be laminated on a substrate in the card body using a known method with contact with the rear side of the contact pads of the connector 102 according to a known technique.