KR20170062115A - Financial card - Google Patents
Financial card Download PDFInfo
- Publication number
- KR20170062115A KR20170062115A KR1020150167544A KR20150167544A KR20170062115A KR 20170062115 A KR20170062115 A KR 20170062115A KR 1020150167544 A KR1020150167544 A KR 1020150167544A KR 20150167544 A KR20150167544 A KR 20150167544A KR 20170062115 A KR20170062115 A KR 20170062115A
- Authority
- KR
- South Korea
- Prior art keywords
- user
- financial card
- unique information
- password
- base substrate
- Prior art date
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/073—Special arrangements for circuits, e.g. for protecting identification code in memory
- G06K19/07309—Means for preventing undesired reading or writing from or onto record carriers
- G06K19/07318—Means for preventing undesired reading or writing from or onto record carriers by hindering electromagnetic reading or writing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/0701—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management
- G06K19/0702—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/073—Special arrangements for circuits, e.g. for protecting identification code in memory
- G06K19/07309—Means for preventing undesired reading or writing from or onto record carriers
- G06K19/07345—Means for preventing undesired reading or writing from or onto record carriers by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
- G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
- G06K19/07707—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual the visual interface being a display, e.g. LCD or electronic ink
Landscapes
- Engineering & Computer Science (AREA)
- Computer Hardware Design (AREA)
- Physics & Mathematics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- General Engineering & Computer Science (AREA)
- Electromagnetism (AREA)
- Computer Networks & Wireless Communication (AREA)
- Credit Cards Or The Like (AREA)
Abstract
An embodiment of the present invention relates to a semiconductor device comprising: a base substrate; A unique information input unit that is exposed on a surface of the base substrate and receives unique information used for user authentication; An RF IC chip exposed on the base substrate and storing a financial card number; And a control unit provided in the base substrate and activating the RF IC chip to wirelessly transmit the financial card number when the unique information input through the unique information input unit coincides with the registered authentication information.
Description
The present invention relates to a financial card, such as a smart credit card, a check card, and a membership card, which can improve security.
Generally, a credit card has a magnetic or smart chip to store information about the owner of the credit card and the payment. The process of making a credit transaction using a credit card reads an information recorded on a credit card through a credit card terminal such as a POS terminal and then transmits an approval request signal including credit information to the credit card settlement bank Or the server of the credit card intermediary company. The server of the credit card settlement bank or the credit card transit company compares the received credit request information with the information stored in the own database in order to approve credit information and usage information.
In recent years, the introduction of the concept of e-commerce has led to a rapid increase in the use of credit cards in real transactions and online transactions, thereby improving the credit card acceptance system for enhancing the security of credit card use, And the number of user information to be exchanged is increased to enhance the stability of the transaction, the type of service, and the efficiency of the card such as the incorporation of an electronic chip in the credit card in order to increase the transaction efficiency.
Such an expansion of the credit card function has been developed in such a manner that an electronic chip is embedded in a credit card and a communication method is diversified into a contact type / contactless type so as to improve the convenience of use and enable quick settlement. , But it is necessary to improve the portability and security such as the fact that there is not enough preparation for malicious credit card acquisition and abuse.
Meanwhile, if the credit card can be used according to the card usage setting, the user can receive the cash service by applying the card to the ATM, inputting the password, and after applying the card to the card terminal, The purchase of goods or the use of the service becomes possible. In addition, it is possible to provide card information to a terminal of a point of sale (POS) system and input a password or provide a digital signature to purchase goods or services.
In order to prevent the risk of hacking, various security solutions (anti-hacking program, ISP system, certificate authentication system, etc.) as well as password confirmation are required when credit payment is made at a shopping mall connected to the Internet using a credit card And safety is improved.
As a result, in the case of using credit card payment or cash service using credit card, security of the credit payment through internet connection is secured by using various security solutions. However, in case of using in cash dispenser or in a specific POS terminal In case of face-to-face payment (small-sized shops, restaurants, department stores, gas stations, etc.) that occupies most of the credit card use, the credit card terminal The security is very weak because payment is made immediately by card number only when payment is made through. In other words, no one can use credit cards at weaker merchants until they are lost or stolen, and there is no way to prevent them from using the credit card fraudulently if they acquire the card fraudulently.
The technical problem of the present invention is to provide a means for blocking financial card information from being leaked to the outside.
An embodiment of the present invention relates to a semiconductor device comprising: a base substrate; A unique information input unit that is exposed on a surface of the base substrate and receives unique information used for user authentication; An RF IC chip exposed on the base substrate and storing a financial card number; And a control unit provided in the base substrate and activating the RF IC chip to wirelessly transmit the financial card number when the unique information input through the unique information input unit coincides with the registered authentication information.
The bank card includes a battery, which is provided on the base substrate and supplies driving power thereto. And a power button, which is exposed from a surface of the base board and is selected from a user, for turning on or off a bank card to supply driving power of the battery, If the unique information input through the unique information input unit is identical to the registered authentication information after receiving the unique information by supplying the drive power of the battery to the unique information input unit The driving power of the battery is supplied to the RF IC chip to activate the RF IC chip.
The unique information input unit may include at least one of a number input keypad for inputting a password, a fingerprint recognition pad for recognizing a fingerprint of a user, and an iris recognition sensor for recognizing a user's iris.
And a display unit which is exposed on a surface of the base board and displays a password inputted by the user through the number input keypad, wherein the controller controls the operation of the financial card through a user operation of the power button, On, a driving power of a battery is supplied to the display unit, and a password input from a user through the number input keypad can be displayed through the display unit.
The control unit may encrypt the password input through the number input keypad and display the encrypted password on the display unit.
The control unit may encrypt the encryption by adding one number previously registered by the user to each digit of the password input through the number input keypad.
The financial card includes an NFC tag in which traffic card information is stored, and the display unit is an EPD (electrophoresis display).
According to the embodiment of the present invention, the means for inputting the authentication information and the means for authenticating the financial card are provided, so that it is possible to fundamentally block the possibility that the financial card information can be leaked to the outside. Therefore, security can be improved.
BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a functional block diagram of a financial card according to an embodiment of the present invention; FIG.
BACKGROUND OF THE
Figure 3 is a block diagram of a financial card that is deactivated upon power-off of a power button according to an embodiment of the present invention;
FIG. 4 is a diagram illustrating a process of activating a financial card according to an embodiment of the present invention; FIG.
FIG. 5 is a diagram illustrating a state in which a password inputted according to an embodiment of the present invention is displayed on a display unit as it is. FIG.
FIG. 6 is a diagram illustrating a state in which an input password is encrypted and displayed on a display unit according to an embodiment of the present invention. FIG.
FIG. 7 is a view showing a settlement using a financial card according to an embodiment of the present invention. FIG.
BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and how to achieve them, will be apparent from the following detailed description of embodiments thereof taken in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the exemplary embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete and will fully convey the concept of the invention to those skilled in the art. And the present invention is only defined by the scope of the claims. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.
2 is a block diagram of a financial card which is activated according to an operation of a power button according to an embodiment of the present invention. FIG. 2 is a block diagram of a financial card, FIG. 3 is a block diagram of a financial card which is inactivated according to an operation of the power button according to an embodiment of the present invention, FIG. 4 is a diagram illustrating a process of activating a financial card according to an embodiment of the present invention, 5 is a diagram illustrating a state in which a password inputted according to an embodiment of the present invention is displayed on the display unit as it is. FIG. 6 is a diagram illustrating a screen in which a password is encrypted and displayed on the display unit according to an embodiment of the present invention. It is a picture.
The
Hereinafter, the
1, the
The
The unique
The unique
The number input keypad (digital number input keypad) is a keypad provided with a number key for inputting a password, and receives a password from a user. The entered password is verified with the authentication number, which is previously registered authentication information, and the authentication of the user is completed only when the inputted password is matched.
A finger scan sensor is a sensor for recognizing a fingerprint of a user, and is an input means for acquiring image information of a fingerprint, which indicates a characteristic difference inherent to each person, as unique information. The acquired original fingerprint image is extracted from the feature of the fingerprint, and then verified with the fingerprint information, which is authentication information of the user registered in advance, to complete the authentication of the user only when they match.
An iris scan sensor is a sensor that recognizes a user's iris and uses the iris pattern of an eye having unique characteristics for each person to informationize the iris pattern. The obtained image of the iris is authenticated only when the image of the iris matches the iris information, which is the authentication information of the user registered in advance, through the process of changing the corrugation of the iris to the frequency.
In the following description of the drawings and the embodiments of the present invention, it is assumed that the unique
The
The
The
The
4, the
On the other hand, when the unique
The
In addition, the
5, the
When the inputted password is displayed on the
Such encryption can be performed in various manners. It is possible to add one number (hereinafter, referred to as 'private key number') registered in advance from the user to the number of digits of the password input through the number input keypad, respectively. If the sum of the number of the private key and the number of one-digit entered exceeds 10, the number of the last digit of the added digit should be displayed.
For example, assuming that the user is set to the private key number '4', if the user inputs' 6 'through the number input keypad as shown in FIG. 6,' 4 '(registered private key number) +' '(Input number) =' 10 ', so that' 0 'is displayed in the last job unit number. If the user subsequently inputs '4' through the number input keypad, '4' (registered private key number) + '4' (input number) = '8' is displayed. If the user subsequently inputs '9' through the number input keypad, '4' (registered private key number) + '9' (input number) = '13' Display.
Therefore, the user can add the number of the private key registered in advance and the number inputted by himself / herself, and if the last unit number of the result value is displayed on the
Meanwhile, the
FIG. 7 is a diagram illustrating a settlement using a financial card according to an embodiment of the present invention.
First, when the user receives the
When the
The
The embodiments of the present invention described above are selected and presented in order to facilitate the understanding of those skilled in the art from a variety of possible examples. The technical idea of the present invention is not necessarily limited to or limited to these embodiments Various changes, modifications, and other equivalent embodiments are possible without departing from the spirit of the present invention.
100: Financial card 110: NFC tag
120: RF IC chip 130: Unique information input unit
140: Display unit 150: Power button
160: control unit 170: battery
Claims (7)
A unique information input unit that is exposed on a surface of the base substrate and receives unique information used for user authentication;
An RF IC chip exposed on the base substrate and storing a financial card number; And
A control unit provided on the base substrate and activating the RF IC chip to wirelessly transmit a financial card number when the unique information input through the unique information input unit coincides with the registered authentication information;
Financial card.
A battery provided on the base substrate to supply driving power; And
And a power button that is exposed from a surface of the base substrate and selects a user from a user to turn on or off a financial card drive to supply drive power of the battery,
Wherein the control unit receives the unique information by supplying driving power of the battery to the unique information input unit when the user selects the financial card driving on through the user operation of the power button, Is supplied with the driving power of the battery to the RF IC chip only when it matches the previously registered authentication information.
A fingerprint input pad for inputting a password, a keypad for inputting a password, a fingerprint recognition pad for recognizing a fingerprint of a user, and an iris recognition sensor for recognizing a user's iris.
And a display unit which is exposed on a surface of the base substrate and displays a password inputted by the user through the number input keypad,
The control unit may supply the driving power of the battery to the display unit to display the password input from the user through the number input keypad through the display unit when the user selects the financial card driving on through the user operation of the power button Financial card.
And a password inputted through the number input keypad is encrypted and displayed on the display unit.
Wherein the encryption is performed by adding one number previously registered from a user to each digit of a password input through the number input keypad.
The financial card includes an NFC tag in which traffic card information is stored,
Wherein the display unit is an EPD (Electrophoresis Display).
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020150167544A KR20170062115A (en) | 2015-11-27 | 2015-11-27 | Financial card |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020150167544A KR20170062115A (en) | 2015-11-27 | 2015-11-27 | Financial card |
Publications (1)
Publication Number | Publication Date |
---|---|
KR20170062115A true KR20170062115A (en) | 2017-06-07 |
Family
ID=59223437
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
KR1020150167544A KR20170062115A (en) | 2015-11-27 | 2015-11-27 | Financial card |
Country Status (1)
Country | Link |
---|---|
KR (1) | KR20170062115A (en) |
-
2015
- 2015-11-27 KR KR1020150167544A patent/KR20170062115A/en active IP Right Grant
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US11620634B2 (en) | Multi-function smart tokenizing electronic payment device | |
CA2665417C (en) | Proxy authentication methods and apparatus | |
US20080028230A1 (en) | Biometric authentication proximity card | |
US10783514B2 (en) | Method and apparatus for use in personalizing identification token | |
EP1873729A1 (en) | Portable terminal, settlement method, and program | |
KR20080008373A (en) | One-time password credit/debit card | |
KR20240013148A (en) | Transaction authorization using biometric identity verification | |
KR20150065167A (en) | Fingerprint certification smart intergrated circuit card and method of certification of thereof | |
KR101713956B1 (en) | Financial card | |
US20200302428A1 (en) | Secure Biometric Card and Method for Securing Information | |
KR20170062115A (en) | Financial card | |
KR20110029033A (en) | System and method for issueing public certificate of attestation using usim information and recording medium | |
KR100736379B1 (en) | Smart card with one time password generation and display | |
KR20120021118A (en) | System for processing card transactions using electronic code-image, and device | |
JP2024053174A (en) | Payment terminal and payment system | |
KR20120021120A (en) | System for processing card transactions using encoded volatile data on electronic code-image, and device | |
KR20140092051A (en) | Security device and system using short range wireless communication | |
KR20030069967A (en) | Contactless electronic card having to authentication function of user |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
A201 | Request for examination | ||
A302 | Request for accelerated examination | ||
E902 | Notification of reason for refusal | ||
AMND | Amendment | ||
E601 | Decision to refuse application | ||
AMND | Amendment | ||
E902 | Notification of reason for refusal | ||
AMND | Amendment | ||
J201 | Request for trial against refusal decision | ||
J301 | Trial decision |
Free format text: TRIAL NUMBER: 2017101001120; TRIAL DECISION FOR APPEAL AGAINST DECISION TO DECLINE REFUSAL REQUESTED 20170306 Effective date: 20181211 |
|
S901 | Examination by remand of revocation | ||
GRNO | Decision to grant (after opposition) |