F0RM2
THE PATENTS ACT, 1970
(39 of 1970)
&
THE PATENTS RULES, 2003
COMPLETE SPECIFICATION
(See section 10, rule 13)
"CONTACTLESS PAYMENT CARD READER WITH A FRUSTO CONICAL
OPERATING VOLUME"
MASTERCARD INTERNATIONAL INCORPORATED an US company of 2000 Purchase Street, Purchase, NY 10577 (US)
The following specification particularly describes the invention and the manner in which it is to be performed.

WO 2006/019990

PCT/US2005/025110

CONTACTLESS PAYMENT CARD READER WITH A FRUSTO-CONICAL
OPERATING VOLUME
SPECIFICATION
CROSS-REFERENCE TO RELATED APPLICATIONS
This application claims the benefit of United States provisional patent application No. 60/588,270 filed on July 15,2004. This application is also related to
United States patent applications S/N , and S/N , S/N , and S/N
, co-filed on even date, all of which claim the benefit of the aforementioned
patent application No. 60/588,270. All of the aforementioned patent applications are hereby incorporated by reference herein in their entireties
BACKGROUND OF THE INVENTION
Radio Frequency Identification (RFID) tags are small integrated circuits (ICs) connected to an antenna, which can respond to an interrogating RF signal with simple identifying information, or with more complex signals depending on the size of the IC. RFID technology does not require contact or line of sight for communication. Radio Frequency Identification (RFID) technology is now economically viable and is deployed in more and more commercial and industrial applications. For example, RFID technology is now widely used for tags on items in warehouses, shops, ID or access cards, etc. In addition, RFID technology has been introduced in the payment card industry (e.g., by MasterCard, American Express and Visa) in the form of "contactless" payment or credit cards embedded with RFID tags. These contactless payment cards can be used to make electronic payment transactions via radio communication with an RFID-enabled payment terminal. The contactless payment cards can provide consumers with simple, fast and convenient ways to pay for goods and services, for example, in retail establishments, stores or supermarkets.
Several RFID technologies are available for use in contactless payment cards and card readers/terminals. The basic components of a contactless system are the contactless reader (or Proximity Coupling Device (PCD)) and a transponder. The contactless reader is an antenna connected to an electronic circuit. A transponder consists of an inductive antenna and an integrated circuit connected to the ends of this antenna. The combination reader-transponder behaves as a transformer. An alternating current passes through o primary coil (reader antenna) that creates an
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electromagnetic field, which induces a current in the secondary coil (transponder antenna). The transponder converts the electromagnetic field (or RF field) transmitted by the contactless reader (PCD) into a DC voltage by means of a diode rectifier. This DC voltage powers up the transponder's internal circuits. The configuration and
5 tuning of both antennas determines the coupling efficiency from one device to the other. The transponders may be the contactless payment cards.
For contactless payment card systems to be economically viable and to gain commercial acceptance, the contactless payment cards must be interoperable at all or most RFID-enabled payment terminals, even when the cards and terminals have
10 technological features that are proprietary to specific card providers/issuers, vendors or terminal manufacturers. Industry-wide interoperability is desirable. Towards this end, industry standards organizations and groups (e.g., International Organization for Standards (ISO) and International Electro Technical Committee (TEC)) have formulated voluntary industry standards for implementation of contactless payment
15 technologies. Three such exemplary standards which have been defined by ISO/DEC are the ISO/IEC 10536, ISO/IEC 14443, and ISO/DEC 15693 standards applicable to Close Coupling, Proximity and Vicinity cards, respectively.
The ISO/IEC 14443 proximity card standards (ISO 14443) have been used for several contactless card deployments worldwide. The targeted range of
20 operations for ISO 14443 proximity cards is up to 10 cms, although this range varies depending on power requirements, memory size, CPU, and co-processor. The ISO 14443 standards document has four distinct parts.
• Part 1: Physical Characteristics, defines the physical dimensions
25 for a Proximity Integrated Circuit Card (PICC). The card is the ID-1 size (85.6 mm x
54.0 mm x.76 mm). This is the same size as a bank credit card.
• Part 2: Radio Frequency Power and Signal Interface, defines key
technical characteristics of the contactless IC chips, including items such as
frequency, data rate, modulation, and bit coding procedures. Two variations are
30 detailed in Part 2, the Type A interface and the Type B interface. Both operate at the
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same frequency and use the same data rate, but they differ from one another in the
areas of modulation and bit coding.
• Part 3: Initialization and Anticollision. Initialization describes the
requirements for proximity coupling device (PCD) (i.e., the reader) and the card to
5 establish communication when the card is brought into the reader's radio frequency
(RF) field. Anticollision defines what happens when multiple cards enter the
magnetic field at the same time, identifying how the system determines which card to
use in the transaction and ensuring that all cards presented are inventoried and
processed.
10 • Part 4: Transmission Protocols, defines the data format and data
elements that enable communication during a transaction.
For a system of contactless payment cards and card readers to be compliant with ISO 14443, they must meet the requirements of at least some of parts of the voluntary standard. In addition to contactless technologies that are
15 standardized under ISO 14443, a number of proprietary contactless interfaces are also used in the industry (e.g., Cubic's GO-Card and Sony's FeliCa card). With existing card technology deployments, interoperability can be an issue. Card readersfdeploy*E by vendors in the marketplace should preferably accommodate several different card types. For example, a desirable card reader would support ISO 14443 Type A and
20 Type B cards, ISO 1S693 cards and any additional proprietary card types.
Interoperability issues can arise even with card deployments that are presumably compliant with a single ISO standard (e.g., ISO 14443). In the ISO 14443 standard, all requirements or specifications related to RF Power and signal interfaces in the contactless card and reader system (i.e., the physical layer in an Open
25 System Interconnection (OSI) model view of the system) are defined using separate standardized tests for cards and for readers. The ISO/IEC 10373 Standard Part 6 (ISO 10373-6) deals with test methods, which are specific to contactless integrated circuit
card technology (proximity card). Compliance of contactless cards and readers to ISO 14443 is verified using reference devices. According to ISO 10373-6, a set of
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"reference" cards (i.e., Reference PICC), which represent the characteristics of contactless cards, is used for measuring specification compliance of a contactless reader. (See, e.g., FIG. la). For example, the Reference PICC is used to test the
magnetic field produced or transmitted by a PCD, and to test the ability of the PCD to 5 power a PICC. Similarly, a "reference" reader (i.e., a Test or Reference PCD), which
may represent the characteristics of a typical contactless reader, is used for measuring specification compliance of contactless cards. For example, the Reference PCD in conjunction with a pair of external sense coils is used to test the load modulation that is generated by cards during testing.
10 While the separate card and reader compliance test procedures under
ISO 10373-6 may ensure that deployed product devices individually have characteristics that fall in either the designated specification ranges for cards or readers, the procedures do not ensure interoperability in the field. Cards and/or readers verified as compliant maybe only marginally so (e.g., by having a
15 characteristic value at the end or edge of a designated specification range). This manner of standards compliance can lead to operational failure in the field. For example, a marginally compliant card may be unreadable or difficult to read using a card reader that is also only marginally compliant.
Further, with respect to verifying important data transmission and
20 reception functions of contactless devices, ISO 10373-6 makes provisions for only indirect measurements of the load modulated data signals generated by cards.»A PCD Test Assembly prescribed by ISO 10373-6 for testing product cards has a pair of sense coils that are external to the reference PCD reader. These external sense coils are utilized to measure the load modulated data signal generated and transmitted by
25 card under test. However, there is no direct or obvious relation between the load modulated signal measured by the sense coils and the signal that is physically received by the reference PCD antenna. Therefore, testing of data transmission functions of a product card using the external sense coils does provide direct assurance that a putatively ISO compliant product card's modulation of data signals is
30 sufficient or compatible with a product reader's ability to receive or process the modulated data signals properly.
U.S. patent applications S/N , S/N, , S/N , and S/N
, disclose solutions for enhancing device interoperability based on
improvements in specification definitions, reference equipment and compliance

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testing related to the RF power and signal interface between interacting card and reader devices.
Consideration is now being given to further ways of enhancing
interoperability of the electronic payment devices and* also to making the operation
5 the contactless electronic payment systems robust and failure proof. Attention is now directed to aspects of electronic payment systems related to the physical characteristics and dimensions of contactless payment devices.
SUMMARY OF THE INVENTION
A contactless card reader has a "frusto-conical" operating volume,
10 which is shaped as a cylinder that tapers into a frusto cone. An RF antenna circuit generates electromagnetic RF operating fields for powering and communicating with payment cards disposed in the frusto-conical operating volume. The RF Antenna, which is tuned to about 13.56 MHz, is placed about 15 cms below a cover plate, which serves as a landing plane of the reader. The smaller diameter base of the
15 frusto-conical operating volume rests on the landing plane. The operating RF fields (i.e. new field magnetic fields Hov) generated by the RF antenna in the frusto-conical shaped operating volume are specified to power and communicate with contactless payment cards of different origin that may be placed in the frusto-conical shaped operating volume.
20 In a version of the reader, the RF antenna has a diameter of about 7 .->
cms, and is positioned at a fixed distance of about 15 cms below the landing plane. The frusto-cone portion of the frusto-conical operating volume has an axial length of about 1 cm, a small base diameter of about 1 cm and a large base diameter of about 3 cms. The cylindrical portion of the frusto-conical operating volume cylinder portion
25 has a diameter of about 3 cms and an axial length of about 5 cms, respectively.
The reader with the frusto-conical operating volume can be configured as a reference reader whose external behavior is representative of the behaviors of the several readers deployed in an electronic payment system. The RF antenna circuit is configured to generate a magnetic field Hov in a frusto-conical shaped operating
30 volume that is representative of the operating volume magnetic fields of the several readers deployed in the electronic payment system. The reference reader may be used in a test procedure to characterize the functional or operating behavior of payment cards. In a test procedure, the data reception and power sensitivity of the product card
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placed in the frusto-conical operating volume are measured. The payment card under test is placed in different orientations and at different position in the frusto-conical operating volume to simulate field use of the cards.
Further features of the invention, its nature and various advantages vfiu
5 be more apparent from the accompanying drawings and the following detailed description.
BRIEF DESCRIPTION OF THE DRAWINGS
FIG. 1 is an illustration of a frusto-conical geometry of the minimum operating volume of an exemplary reader designed in accordance with the principles
10 of the present invention.
FIG. 2 is a picture of an exemplary PayPass - Reference reader designed in accordance with the principles of the present invention.
FIG. 3 is a picture of an exemplary PayPass - Reference card designed
in accordance with the principles of the present invention.
15 FIG. 4 is an illustration of a cover plate which serves as a landing
plane for the PayPass — Reference reader of FIG. 2
FIG. 5 is an illustration of a set of geometrical positions at which a subject payment card is placed in the frusto-conical operating volume of the PayPass - Reference reader to simulate field use of the payment card in a card testing
20 procedure in accordance with the principles of the present invention.
DETAILED DESCRIPTION OF THE INVENTION
The present invention provides a card reader arrangement having a frusto-conical shaped operating volume. The frusto-conical shaped operating volume has defined magnetic field strengths that are suitable for robust and consistent
25 interactions with proximity payment cards presented or placed in the operating
volume. FIG. 1 shows an example of a frusto-conical operating volume definition for a reader.
The reader arrangement can be used as a reference device for testing specification compliance of product payment cards. As an example, the PayPass -
30 Reference reader (FIG. 2), which is described in U.S. Patent application S/N
, may be designed to have a frusto- conical shaped operating volume for
evaluating or observing payment card behaviors and performance.
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The inventive reader arrangement is described herein in the exemplary context of implementations of electronic payment systems in which the contactless payment device specifications are intended to conform to a common industry standard
such as the ISO 14443 Standard, which further specifies standardized test methods
5 (i.e., ISO 10373 - 6 Test Methods, Proximity Cards) for verification of the specification of individual contactless payment devices. Recently, assignee MasterCard International Incorporated ("MasterCard") has developed proprietary specifications MasterCard PayPass™ ISO/IEC 14443 Implementation Specification ("PayPass") for implementation of proximity payment card technologies (e.g., by
10 issuers, vendors or manufacturers of cards and card readers). The PayPass
implementation is consistent with the ISO 14443 Standard and provides a convenient example illustrating the principles of the present invention. It will be understood that the selection of the PayPass implementation for purposes of illustration herein is only exemplary, and that the principles of the present invention can be more generally
15 applied to electronic payment devices and systems that operate under other common industry or proprietary standards.
With reference to FIG. 2, the PayPass - Reference reader includes an RF antenna 200, which is designed to resonate at 13.56 MHz. The reader antenna 200 is printed on a circuit board 210 mat is placed at a fixed distance below a cover plate
20 400 (FIG. 4). Cover plate 400 may serve as a landing plane i.e. a reader surface, on which a cardholder may tap or place his or her payment card for processing. ,In field/ 5 use, cover plate 400 may have suitable guide markings or logos, which can visually direct a cardholder to selected positions for tapping or placing his or her payment card for transaction processing.
2 5 The landing plane defines the base of the inverted frusto-conical
operating volume with the axis of the frusto-conical operating volume lying generally normal to die landing plane surface. The reader antenna has a circular shape, and generates magnetic fields that are generally cylindrically symmetrical around the normal to the landing plane. The size and the windings of the reader antenna may be
3 0 suitably designed using known RF antenna design principles to generate operating
magnetic fields (Hov) at 13.56 MHz for activating and communicating with proximity payment card devices. The Hov strengths are in a specified range at least within the inverted frusto-conical operating volume. The specified range is selected keeping in mind mat the payment cards deployed in die field, which may He manufactured by
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various card issuers or vendors to varying specifications, can exhibit a range of behaviors. For example, the inductive coupling antennas or RFID tags in the proximity cards issued by different vendors may have different size and shape. The
specified range of magnetic field strengths in the frusto-conical operating volume is
5 selected to provide adequate power to activate and communicate with a range of interacting payment cards of different origin and behaviors.
The frusto-conical operating volume is defined by geometrical parameters (e.g., base diameters Dl and D2, and cone axial length SI and cylindrical axial length S2), which are shown in FIG. 1). Table I lists nominal values of these
10 parameters selected for an exemplary definition of the frusto-conical operating volume for the PayPass - Reference reader of FIG. 2.
TABLE 1

In the exemplary PayPass - Reference reader, the reader antenna has a
15 diameter of about 7 cms and is positioned at about IS cms below the landing plane. The antenna has dual active and dummy windings, which when supplied with electrical currents, provide at least a minimum field strength Hmin required to powder and communicate with a payment card that is positioned within the specified frusto-conical operating volume. At the same time, the operating magnetic fields (Hov)
20 generated by the antenna are constrained to remain below a certain maximum strength Hmax- The value of Hmax is suitably selected to limit power dissipation in the payment cards to below commonly accepted thresholds to avoid device damage. Also, the magnetic field strengths both inside and outside the operating volume are limited to comply with all international and national regulations and laws concerning safe
25 and exposure limits for such radiation.
The operating volume of the exemplary PayPass - Reference reader
may be characterized or calibrated using a suitable reference card, for example, a
PayPass - Reference Card (FIG. 3), which is also described in co-pending U.S. patent
application No. . The strength of the operating magnetic fields (Hov) in

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the frusto-conical operating volume may be specified or measured in equivalent terms of the required power transfer (voltage Vw) from the reader to a payment card.
Table II shows a specification for the minimum and maximum values
for the power transfer voltages V0v in the frusto-conical operating volume of the
5 PayPass — Reference reader. The electromagnetic coupling (i.e. mutual inductance) between card and reader antennas perturbs the operating magnetic fields when a card is brought into the operating volume. In particular, the magnetic field strength within the operating volume decreases due to the extra load caused by the card. The V0v values for the reader and card may be measured at suitable definition points in
10 reference reader and reference card antenna circuits, respectively. The loading of a card can be measured by observing a circuit voltage drop AVov (VOV.FREE AIR — V ov,card) at a suitable point in the PayPass — Reference reader antenna circuit. Table II also shows a maximum acceptable value of AVov corresponding to a nominal card load.
15 TABLE II

The inventive reader arrangement (e.g., the PayPass — Reference reader) having the defined frusto-conical operating volume may be used in conjunction with the systems and methods disclosed in co-pending U.S. patent
2 0 application S/N for testing product payment cards, for example, for
verification of specification compliance. An exemplary procedure for verifying specification compliance of a product card, may involve the following steps:
(a) measuring the data transmission by the product card on the
PayPass - Reference reader, with the reader sending "average"
25 value commands to the product card and with the PayPass -
Reference reader providing an "average" power level. Both the
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power level and the command characteristics produced by the PayPass - Reference reader are calibrated with respect to a Reference card, and
(b) measuring the data reception and power sensitivity of the
5 product card under test using the PayPass — Reference reader.
In operation, a ± 600 mW signal may be fed into the reader antenna's 50 Ώ input impedance to generate a magnetic field, which is representative of most PayPass readers deployed in the field. The product cards may be characterized under conditions that simulate card use conditions in the field. For example, a product
10 card's behavior may be characterized or measured at different distances from and at different orientations relative to the reader antenna. In an exemplary test routine, the reader is held in stationary position and die subject product card is moved slowly through the operating volume from one test position to the next for measurements. FIG. 5 shows a set of such test positions used in the exemplary test routine. The set
15 of test positions is distributed through the 3-dimensional space of the frusto-conical
operating volume. The test positions are shown as quadruplet co-ordinates (r,