A protective layer is typically encapsulated on the outside of the microchip on the card. The protective layer prevents the microchip from being folded, twisted, and the like to perform abnormal physical damage to the card. At the same time, the microchip is prevented from being exposed to ultraviolet rays, so that the card can be used for a long time.
However, from the point of view of electrical performance, the frequency of the oscillation circuit composed of the antenna on the IC and the card will change due to the addition of the protective layer. Because the protective layer adds an input loop capacitance Cmount to the IC microchip. Although this capacitor has only a few pf to several tens of pf, it will be important for a non-contact IC smart RF card that requires high frequency accuracy and stability.
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