KR100834845B1 - Contactless card - Google Patents

Abstract

A contactless card is provided to remove probability of personal information leakage and improve user convenience even if payment information and credit card information, which requires a high security level, are stored in one contactless card. A first memory chip(330a) stores first data and a second memory chip(330b) stores second data different from the first data. A first wireless antenna(320a) is directly connecting to the first memory chip. A second wireless antenna(320b) is connected to the second memory chip through a switch(340). The first wireless antenna transmits the first data with interaction with an external wireless reader by connecting to the first memory chip always. The second wireless antenna transfers the second data to the external wireless reader by electrically connecting to the second memory chip when the switch is turned off, and transfers no data to the outside by electrically disconnecting to the second memory chip when the switch is turned on.

Description

Contactless Card {CONTACTLESS CARD}

1 is a schematic diagram illustrating a contactless card according to the prior art;

Figure 2 is a schematic diagram showing another contactless card according to the prior art

3 is a schematic diagram showing a contactless card according to a first embodiment of the present invention;

4 is a schematic diagram showing a contactless card according to a second embodiment of the present invention;

Fig. 5 is a schematic diagram showing the configuration of a switch portion of a contactless card according to a second embodiment of the present invention.

6 is a schematic diagram showing a contactless card according to a third embodiment of the present invention;

7 is a schematic diagram showing a contactless card according to a fourth embodiment of the present invention.

8 is a schematic diagram showing a contactless card according to a fifth embodiment of the present invention;

The present invention relates to a contactless card, and more particularly, to a contactless card that enhances security and convenience by storing all of a plurality of information data having different importance, and allowing information data suitable for each situation to be drawn out.

In recent years, the use of contactless cards that communicate with external readers wirelessly to deliver embedded data is increasing.

1 is a schematic diagram illustrating a conventional contactless card.

Referring to FIG. 1, a conventional contactless card is composed of a substrate 11, a wireless antenna 12, and a chip 3. The chip 3 includes a smart card chip with a CPU and a memory chip including only a memory for storing data.

When a conventional contactless card such as that shown in FIG. 1 is brought close to the reader, the card information stored on the chip 13 is sent out to the reader via the wireless antenna 12 fixed on the substrate 11. In general, the user consciously uses the card to approach the reader, but since the information is transmitted in a non-contact wireless manner, there is a possibility that the information stored in the card is leaked in a state where the user does not recognize the non-contact wireless card. As the scope of use is extended to pass cards, transportation cards, cash cards, and credit cards, concerns about electronic theft of card information stored on the cards are increasing.

In particular, in recent years, it is common to store a plurality of types of information in one card, and as an example, rechargeable public transportation payment information (for example, T-money), credit card, and department store card without risk of personal information leakage. Attempts have been made to embed personally identifiable information or personal financial information, such as membership cards, into one contactless card.

For example, Korean Patent Application No. 2004-90385 relates to a financial automation device that can be used as a contactless IC chip that wants to use a desired financial transaction by accessing the financial automation device in a non-contact manner, and more specifically, to a transportation card. When accessing a certain distance of the automated teller machine using a personal information terminal or a mobile communication terminal in which a contactless IC card or a contactless IC chip is utilized, the automatic teller machine receives wireless data and authenticates it before depositing or withdrawing or transferring money. The present invention discloses a financial automation device and a method of operating the same, which can be used as a contactless IC chip that enables a user to use a financial automation device as easily as using a transportation card. In the prior art, it is intended to provide convenience to users by providing more various trading media, and to increase efficiency of work for financial institutions.

However, in such a case, it is very likely that financial information is leaked when the user does not recognize the traffic card. For example, if a wireless transaction reader is concealed and installed in close proximity to a traffic card reader, even if a user uses the card for a traffic card, the user unknowingly passes his / her financial information to the hidden reader and leaks personal financial information. It becomes possible.

As a solution for this, US Patent Publication No. 2003/0132301 A1, US Patent Publication No. US 2004/0124248 A1, and European Patent Publication EP 1544 787 A1 are button switches that are operated by a card user's hand on a wireless antenna embedded in the card. By attaching a card so that the card information is sent when the user presses the switch, thereby preventing the card information from being stolen electronically without the user being recognized while the card is placed in the user's pocket or purse. Doing.

The basic configuration disclosed in the above three prior documents is as shown in FIG. 2, wherein this type of contactless card is connected to a push button in addition to the substrate 21, the wireless antenna 22 and the chip 23. It further includes.

When the user presses a button and the switch 24 is short-circuited, the chip 23 and the antenna 22 are electrically connected, and the card information stored in the chip 23 is transmitted to the reader through the wireless antenna 22.

However, the above-described method requires the user to consciously manipulate the card to use the card, and otherwise, the card cannot be used. Therefore, the convenience of the non-contact type is largely impaired, so that it is different from the use of the conventional magnetic card. There will be no.

In particular, small payments (e.g. transportation cards) where card information security is not very important and are frequently used or contain no personal information, such as contact cards (including contactless information carriers other than card types) in wallets or bags Since it is common to use it, it is inconvenient to use it by causing a new hassle when manipulating the card (pressing a button) every time of payment.

In this case, regardless of the type of information to be transmitted wirelessly, the card must be manipulated every time, rather it may act as a detrimental factor in the spread of the contactless card.

The present invention is to solve the above-mentioned problems, even if a single contactless card stores the payment information used when there is no fear or rare personal information leakage and credit information requiring high security, such as credit cards, It is an object of the present invention to provide a contactless card that can eliminate the possibility of personal information leakage and improve the convenience of the user.

SUMMARY OF THE INVENTION In order to achieve the above object, the present invention provides a non-contact card for wirelessly communicating with an external reader to transmit embedded data, comprising: a first memory chip storing first data and second data different from the first data; A non-contact type including a second memory chip to be stored, a first wireless antenna connected to the first memory chip via a first switch, and a second wireless antenna connected to the second memory chip via a second switch Provide the card.

Here, the first wireless antenna is always connected to the first memory chip, and interacts with an external wireless reader to transmit the first data, and the second wireless antenna is electrically connected to the second memory chip when the switch is shorted. The second data is transmitted to an external wireless reader, and when the switch is opened, the second data is electrically disconnected from the second memory chip so that the second data is not transmitted to the outside, thereby requiring no security. Can be stored in the first memory chip and secured data can be stored in the second memory to improve the security of important personal information and at the same time improve the convenience of card utilization.

According to another aspect of the invention, a non-contact card for transmitting the embedded data by wireless communication with an external reader, the first memory chip for storing the first data, and for storing the second data different from the first data A contactless card comprising a second memory chip, a first wireless antenna connected to the first memory chip via a first switch, and a second wireless antenna connected to the second memory chip via a second switch. Is provided.

In this case, the first memory chip, the first switch and the first wireless antenna are connected in series to each other to form a closed circuit, and the second memory chip, the second switch and the second wireless antenna are connected in series to each other. And to form a closed circuit, when the first switch is opened, the second switch is shorted, and when the first switch is shorted, the second switch is configured to be opened.

In another embodiment, the first memory chip and the first wireless antenna are connected in series to form a closed circuit, the first switch is connected in parallel to the first wireless antenna, the second memory chip, the second switch And the second wireless antenna may be connected in series to each other to form a closed circuit, and the first switch and the second switch may be configured to simultaneously short-circuit and open.

That is, through the above configuration, in addition to the above-described security and convenience, the data stored in the first memory and the data stored in the second memory are mutually exclusively transmitted, so that two informations are simultaneously transferred to one reader. Can prevent communication crosstalk.

According to still another aspect of the present invention, there is provided a contactless card for wirelessly communicating with an external reader to transmit embedded data, comprising: a memory for storing a plurality of data, an arithmetic device connected to the memory and capable of performing its own operation; And a battery for supplying operation power to the computing device, and an antenna connected to the computing device and transmitting and receiving wireless signals to and from an external wireless reader, wherein the data are mutually exclusively accessed and transferred to an external card reader. A contactless card is provided.

In this case, the apparatus may further include a control button for transmitting the memory region selection command to the computing device, or the computing device checks a protocol for establishing a communication session with the external reader to determine what data the external reader requires. It is preferable to determine, and to read / select the stored data according to the determination result and transfer the stored data to the external reader through the antenna.

Hereinafter, with reference to the accompanying drawings a preferred embodiment according to the present invention will be described in detail. The following description is provided to enable any person skilled in the art to make or use the present invention and to comply with the patent application and its patent requirements. Various modifications to the preferred embodiment will be apparent to those skilled in the art, and the generic principles herein may be applied to other embodiments. Thus, the present invention is not limited to the illustrated embodiments but extends to the maximum extent consistent with the principles and features described herein.

For example, the term 'card' throughout this specification, including claims, refers not only to flat rectangular cards, such as current credit cards, but also to accessories, key holders, cell phone rings, and watches. Of course, it includes a non-contact data storage that can have a variety of forms, such as form.

[First Embodiment]

3 is a schematic diagram showing a contactless card according to a first embodiment of the present invention.

Referring to FIG. 3, the contactless card according to the first embodiment of the present invention may include a substrate 310, a first wireless antenna 320a, a second wireless antenna 320b, a first memory chip 330a, and a second memory. It consists of a chip 330b and a switch unit 340.

The substrate 310 may function to fix the first wireless antenna 320a and the second wireless antenna 320b and may be made of a plastic material constituting the card.

The first wireless antenna 320a and the second wireless antenna 320b are connected to the first memory chip 330a and the second memory chip 330b to transfer data stored in the memory chip to an external reader, respectively. To perform.

In the present embodiment, the first small memory chip 330a stores rechargeable small payment information such as information related to the payment of public transportation costs, and the second memory chip 330b stores personal financial information or personal identification requiring high security. Information is included. Each data is transmitted to the reader through the first wireless antenna 320a and the second wireless antenna 420b respectively connected to the first memory chip 330a and the second memory chip 330b.

The switch unit 340 is installed between the second memory chip 330b and the second wireless antenna 320b to determine whether to transfer data requiring security stored in the second memory chip 330b.

At this time, the switch unit 340 preferably uses a button-type switch.

An insulating material (not shown) may be included to protect the first memory chip 330a, the second memory chip 330b, and the first and second antennas from being electrically interference with the substrate 310.

In the configuration of the first embodiment, since the first memory chip 330a and the first antenna 320a are always in electrical contact with each other, information related to payment of public transportation expenses stored in the first memory chip 330a may be transferred to an external corresponding reader. If there is a proximity, it is sent to the reader without limitation to perform the payment related process. That is, the user can conveniently use the wallet in the purse or bag as in the past with respect to the payment of a small amount of public transportation expenses.

On the other hand, the second memory chip 330b, which stores information that requires strong security, such as personal financial information, is connected to the second antenna 320b via a switch 340 and presses a button connected to the switch 340. In other cases, since the switch remains open, even if there is a reader corresponding to the surroundings, valuable personal data is not transferred to an external reader in a situation where the user does not want or recognizes the reader.

In addition, the types of data handled in the present embodiment and the following embodiments are not limited to information related to payment of transportation charges, personal financial information or identification information, and data with less need for various types of security and data with high need for security. Of course, it is extended to.

Second Embodiment

4 is a schematic diagram showing a contactless card according to a second embodiment of the present invention.

As shown, the contactless card according to the second embodiment of the present invention further includes a switch between the first memory chip and the first antenna in the configuration of the contactless card according to the first embodiment of the present invention. The same reference numerals are given to the same components as in FIG. 3.

In the following description, to distinguish between the two switches, a switch connected to the first antenna 320a is referred to as a first switch 410 and a switch connected to the second antenna 330a as a second switch 340.

In the case of the first embodiment described above, when the wireless standards of the first memory chip 330a and the second memory chip 330b (or the first antenna and the second antenna) are the same, or the specifications are different from each other, an external reader In case of supporting both wireless standards of the first memory chip 330a and the second memory chip 330b (or the first antenna and the second antenna), and when trying to transmit the stored data of the second memory chip 330b, 2 Species of data can be sent out at the same time, causing communication interference or processing errors in the reader.

In order to prevent this, in the present embodiment, when the data of the first memory chip 330a and the second memory chip 330b are mutually exclusive, that is, when the stored data of the first memory chip 330a is transferred, the second memory chip ( When the data of the 330b is blocked or vice versa, the data of the first memory chip 330a is blocked so that the data of the second memory chip 330b is blocked.

As shown in FIG. 4, the first memory chip 330a and the first wireless antenna 320a are connected in series to form a closed circuit, and the first switch 410 is connected to the first wireless antenna in parallel. The second memory chip 330b, the second switch 340, and the second wireless antenna 320b are connected in series to each other to form a closed circuit, and the first switch 410 and the second switch. When 340 is simultaneously shorted and open, the first antenna and the second antenna are mutually exclusive.

In order to simultaneously short-circuit and open the first switch 340 and the second switch 410, for example, as shown in FIGS. 5A and 5B.

That is, one end 341 of the first switch 340 and one end 411 of the second switch 410 are connected to each other via the insulating plate 510 to be fixed to each other, and the other end 412 of the first switch 410 is fixed. Is spaced apart from one end 411, and the other end 342 of the second switch 340 is disposed to be spaced apart from the one end 341.

Usually, one end 411 and 341 and the other end 412 and 342 of the first switch 410 and the second switch 340 are separated from each other by a predetermined support structure (not shown). When pressure is applied to a predetermined position of the card, one end 411 and the other end 412 of the first switch 410 is in contact, and at the same time the one end 341 and the other end 342 of the second switch 340 is configured to contact do. When the pressure is released, one end 411, 341 and the other end 412, 342 of the first and second switches are separated from each other by the elasticity of the variable support structure described above.

One end and the other end of the first and second switches may be configured as illustrated in FIG. 5B. That is, a donor-shaped insulating plate 511 is disposed on one end of the switch, and the other end 412 of the switch is disposed on the insulating plate, and the other end 412 uses a dome-shaped tip plate. Thus, one end 411 and the other end 412 is normally spaced apart and the switch is opened, and when pressure is applied, the center of the other end 412 is recessed to contact the one end 411, thereby shorting the switch.

In the contactless card having the above configuration, since both the first and second switches are normally open, data stored in the first memory chip 330a may be transferred to an external reader through the first antenna 320a. Since the data stored in the second memory chip 330b does not form a closed circuit with the second antenna 320b, data transmission is impossible even when the reader is close to an external reader.

On the other hand, when pressure is applied to the card so that one end of each of the first and second switches and the other end are short-circuited by contact, the first switch 410 is connected in parallel to the first antenna 320a, so that the first antenna ( 320a) A short circuit is formed on its own to block electrical connection to the first memory chip 330a. On the other hand, since the second switch 340 is connected in series with the second memory chip 330b and the second antenna 320b, when the second switch 340 is short-circuited, the second switch 340 is connected to the second memory chip 330b. By allowing the second antenna 320b to form a closed circuit, data of the second memory chip may be transmitted to the external reader through the second antenna.

Third Embodiment

6 shows a third embodiment of the present invention. This embodiment is the same in that the first antenna 320a and the second antenna 330b operate mutually exclusively as in the second embodiment, but the circuit configuration is partially different as shown in FIG.

That is, the first switch 410 is not connected in parallel to the first antenna 320a, but the first switch 410, the first antenna 320a, and the first memory chip 330a are configured to be connected in series. have.

In this case, opening and closing operations of the first switch 410 and the second switch 340 may be performed in opposite directions, thereby obtaining the same effects as in the second embodiment. That is, normally, the first switch 410 is short-circuited and the second switch 340 is opened to transfer data of the first memory chip 330a to an external reader. The switch 410 is opened and the second switch 340 is shorted to transmit the data of the second memory chip 330b to an external reader.

Since the switch structure operating exclusively as described above is widely known in various forms in the art, a detailed description thereof will be omitted.

[Example 4]

7 shows the configuration of the fourth embodiment according to the present invention.

This embodiment is a configuration for achieving the object of the present invention in a contactless smart card that includes a computing device capable of self computing.

As shown, the contactless card of the fourth embodiment further includes an arithmetic unit 710 connected to the second memory chip 330b and a battery 720 for supplying power to the second memory chip 330b in the configuration of the first embodiment. The antenna 320b is configured to be connected to the computing device 710.

In addition, a switch 730 is interposed between the battery 720 and the computing device 710 to control the operation of the computing device 610.

The second memory chip 330b may be configured as a separate chip from the arithmetic unit 710 or may be implemented in a single chip with the arithmetic unit 710.

In the above configuration, since the first memory 330a is electrically connected to the first antenna 320a, data stored in the first memory 330a may always transmit data to an external reader.

When the switch 730 is short-circuited by a user's manipulation, the operation unit 710 operates to extract data stored in the second memory 330b and transmit the data stored in the second memory 330b to an external reader through the second antenna 320b.

In this manner, the same effects as in the first embodiment can be obtained.

On the other hand, as a modified embodiment of the present embodiment, by adding a switch (not shown) interposed in the first memory 330a and the first antenna 320a and operating the switch under the control of the computing device 710, If the data stored in the first memory and the second memory are prevented from being simultaneously transferred to an external reader, the same effects as in the second and third embodiments of the present invention can be obtained.

[Example 5]

As shown in FIG. 8, the configuration of this embodiment includes a memory for storing arithmetic unit 810, a battery 820, an antenna 830, and a first data area 840a and a second data area 840b. do.

The arithmetic unit 810 is responsible for determining a reader's request and transmitting / receiving data embedded in the card according to a predetermined protocol with an external reader.

The battery 820 serves to supply power to the computing device 810, which is not included when the battery 820 is powered by a wireless signal from the reader.

As in each of the above-described embodiments, the memory may be composed of two separate memory chips that respectively store the first and second data regions, or may be implemented as one separate memory chip that divides the internal data regions. Of course, the operation apparatus 810 and one chip may be implemented.

The antenna 830 is connected to the arithmetic unit 810 to transmit and receive with an external reader.

In the above configuration, it may further include a control button connected to the switch to transfer the memory region selection command to the computing device.

Unlike the arithmetic unit 710 of the fourth embodiment, the arithmetic unit 810 according to the present embodiment checks the protocol at the time of establishing a communication session with an external reader, so that the external reader is connected to the first data area 840a and the second. It is determined which area of the data area 840b requires data, and according to the result of the determination, data stored in any one of the first and second data areas 840a and 840b is read out to the outside through the antenna. Pass it to the reader.

In this embodiment, the data stored in the first data area is one or more data related to a rechargeable micropayment that does not include personal financial information, and the data in the second data area is one or more data related to a financial payment including personal financial information. Can be defined as data. That is, in the present exemplary embodiment, more than one data may be stored in each data area, and the computing device 810 may select the data and transmit the data to an external reader.

In addition, the first and second data areas are merely examples, and the data areas are not limited to two, but may be extended to a plurality of areas, and the data areas may be, for example, logical divisions rather than physical divisions. Of course, one data may constitute one data region and a plurality of data may constitute one region.

The computing device 810 of the present embodiment is configured to determine what data the reader requires through communication with the reader without any user manipulation and automatically transfer necessary data. This not only stores and transmits two types of data (e.g., transportation payment information, personal credit information), but also various types of data (rechargeable transportation payment information, personal credit card information, personal membership card information, securities) Account information, bank financial information, USIM-based communication information, etc.) and store data suitable for the needs of external readers.

In this case, in order to prevent the leakage of important personal information without the user's recognition, the computing device 810 may request that data stored in the first and second data areas are simultaneously requested from an external reader. It is configured to close all data areas (i.e. all data areas stored in memory) to block data access from the outside.

That is, a typical example of malicious data leakage is a case where a financial settlement reader is concealed adjacent to a traffic settlement reader when using an insecure micropayment such as a transportation card. In this case, the computing device 810 Since two or more pieces of data will be required at the same time or in a close time (for example, 3 seconds), it is possible to prevent the leakage of important information by identifying the case as card information theft and blocking the transmission of data inside the card. have.

Blocking the transmission of the data inside the card, when two or more data are requested from an external reader, block both data, or first transfer the requested data to the outside, and subsequently block the requested data. It can be in the form of

As a variant embodiment, when information requiring security and information not required at the same time are requested from an external reader at the same time, only information that does not require security (e.g., transportation cost payment information) is transmitted and information requiring security is provided. The operation unit 810 may be configured to operate to block the operation.

As mentioned above, the structure of this invention was demonstrated in detail centering on the preferable Example which concerns on this invention. However, those skilled in the art will appreciate that various modifications and changes can be made without departing from the spirit of the invention. For example, in the present invention, but is represented as a card, this is not only a flat rectangular card like a current credit card, but also a contactless data storage that can have a variety of forms, such as accessories, key holders, cell phone rings, built-in watches Of course it covers the sieve. In addition, the type of data handled in the present invention is not limited to information related to payment of transportation charges, personal financial information or identification information, and is extended to data having a low need for various types of security and data having a high need for security. Of course. Therefore, the protection scope of the present invention should be defined by the following claims.

The contactless card according to the present invention includes a credit card that does not require security, such as a traffic card, and credit information, which requires high security, such as a credit card and personal information, in a single contact card so that the user turns on / off the switch. It has the advantage of being adjustable.

Claims (16)

In the non-contact card for wirelessly communicating with an external reader to deliver the embedded data, A first memory chip storing first data; A second memory chip storing second data different from the first data; A first wireless antenna directly connected to the first memory chip; A second wireless antenna connected to the second memory chip via a switch; And the first wireless antenna is always connected to the first memory chip to interact with an external wireless reader to transmit first data. delete The method of claim 1, wherein the second wireless antenna, When the switch is short-circuited, it is electrically connected to the second memory chip to transfer the second data to an external wireless reader, When the switch is open, the contactless card is electrically disconnected from the second memory chip so that the second data is not transmitted to the outside. delete In the non-contact card for wirelessly communicating with an external reader to deliver the embedded data, A first memory chip storing first data; A second memory chip storing second data different from the first data; A first wireless antenna connected to the first memory chip via a first switch; A second wireless antenna connected to the second memory chip via a second switch; The first memory chip, the first switch and the first wireless antenna are connected in series to each other to form a closed circuit, The second memory chip, the second switch and the second wireless antenna are connected in series to each other to form a closed circuit, When the first switch is open, the second switch is short-circuited, And the second switch is opened when the first switch is shorted. In the non-contact card for wirelessly communicating with an external reader to deliver the embedded data, A first memory chip storing first data; A second memory chip storing second data different from the first data; A first wireless antenna connected to the first memory chip via a first switch; A second wireless antenna connected to the second memory chip via a second switch; The first memory chip and the first wireless antenna are connected in series to form a closed circuit, and the first switch is connected in parallel to the first wireless antenna, The second memory chip, the second switch and the second wireless antenna are connected in series to each other to form a closed circuit, And the first switch and the second switch are shorted and opened at the same time. The method of claim 6, The first switch and the second switch are connected to one end of the first switch and one end of the second switch with an insulating plate interposed therebetween, and the other end of the first switch and the other end of the second switch are connected to each one end. Spaced apart a predetermined interval, When pressure is applied to the other end of the first switch or the second switch, one end and the other end of the first switch are in electrical contact, and at the same time, the one end and the other end of the second switch are in electrical contact. Contactless card. In the non-contact card for wirelessly communicating with an external reader to deliver the embedded data, A memory for storing at least two data; A computing device connected to the memory and capable of performing its own operation; An antenna connected to the arithmetic device, for transmitting and receiving a wireless signal with an external wireless reader, And a control button for transmitting the memory area selection command to the computing device. The two or more data are mutually exclusive to the external reader Contactless card. delete The method of claim 8, The memory is divided into two or more data areas, The arithmetic unit checks a protocol for establishing a communication session with the external reader, and determines which area of the two or more data areas the external reader requires data stored in the communication device, and according to the determination result, among the two or more data areas. A contactless card that reads data stored in one area and transfers the data to an external reader through the antenna. The method of claim 10, wherein the computing device, And when data stored in the two or more data areas are simultaneously requested from the external reader, closing all data stored in the memory to block access from the outside. The method of claim 10, wherein the computing device, And when data stored in the two or more data areas from the external reader are requested within a close time, transmit only the preceding request data to the outside, and block data for subsequent requests. In the non-contact card for wirelessly communicating with an external reader to deliver the embedded data, A first memory chip storing first data; A second memory unit for storing second data different from the first data; An arithmetic unit connected to the second memory unit; A first wireless antenna connected to the first memory chip; A second wireless antenna connected to the computing device; A battery connected to the computing device via a first switch; A second switch interposed between the first memory chip and the first wireless antenna; And the first switch and the second switch are mutually exclusive and shorted and opened. delete The method according to any one of claims 1, 3, 5 to 8, 13, And the data includes financial information, identification information, payment information, membership information, and communication related information. The method according to any one of claims 8 and 10 to 12, And the at least two data areas comprise a data area in which no security is required and a data area in which security is required.

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