KR100859707B1 - Smart card apparatus for personal authentication, terminal system for processing the smart card apparatus and method for personal authentication of the smart card apparatus - Google Patents

Abstract

The present invention discloses a smart card device for performing personal authentication, a smart card processing terminal system, and a personal authentication method.

It is a ring-type device with external satisfaction so that the holder can carry it at all times, so it is highly portable and can be used as an electronic tension for personal authentication, which enables the maintenance of a secure system, and enables contact and contactless communication. The card terminal can be used without modification, so that it can be applied to various fields, and the contact part of the existing contact terminal can be improved to be used more conveniently in connection with a PC and a mobile phone. It can be utilized as a kind of electronic tension concept. This enables more thorough personal authentication and denial of results. In addition, a plurality of body information and passwords can be appropriately combined or applied together, providing flexibility in system configuration for the applied service, and controlling access, identification, and PC login as a kind of key. It can be used and equipped with electronic seal (electronic signature), authorized certificate and electronic seal of the institution if necessary, can increase the safety in the overall environment by utilizing personal authentication in wired and wireless Internet environment, such as electronic documents.

Description

Smart card apparatus for personal authentication, terminal system for processing the smart card apparatus and method for personal authentication of the smart card apparatus}

Figure 1 shows a schematic view of a general type of ring-shaped smart card device according to the present invention.

Figure 2 shows an example of a schematic internal structure of a general type of ring-shaped smart card device according to the present invention.

Figure 3a is a schematic diagram of the application type 1 of the ring-shaped smart card to which the present invention is applied, Figure 3b shows an example of its schematic internal structure.

Figure 4a is a schematic diagram of the application type 2 of the ring-shaped smart card to which the present invention is applied, Figure 4b shows an example of its schematic internal structure.

Figure 5a is a schematic diagram of the application type 3 of the ring-shaped smart card to which the present invention is applied, Figure 5b shows an example of its schematic internal structure.

Figure 6a shows the external shape of the contact portion corresponding to the contact type of the smart card device for general / application type 1 / application type 2 of the ring-type smart card processing terminal system according to the present invention.

6B and 6C show the appearance of an embodiment according to the present invention.

7 illustrates a state in which a ring-type smart card processing to which the present invention is applied is processed in a non-contact manner.

8A and 8B are an external view and a side view of an example of the configuration of a contact portion of a smart card processing terminal system corresponding to the contact portion of the ring-shaped smart card device of FIG. 5A or 5B, respectively.

9A and 9B show another embodiment of the embodiment according to the present invention.

10 and 11 illustrate an example of a flow of a personal authentication method of a smart card device linked to a smart card processing terminal system according to the present invention.

The present invention relates to a smart card, a person who can block identity theft, fraud, etc. by enabling identification of individuals in the field of credit card use, transportation, e-commerce and other services, and personal authentication of use. A smart card device for authentication, a smart card processing terminal system, and a personal authentication method.

In general, smart cards are credit card-sized, highly secure devices that, unlike ordinary magnetic cards, can store vast amounts of information, and have programs within them to provide a number of application services on their own. Implemented as a cryptographic module is essentially built-in, it is a device that is not allowed to access important content without passing through the password set by the holder.

Conventional smart card system has a variety of products internationally and already has the technology of ring smart card, such as credit ring or IC decorative ring, but these are all promoted to replace the existing traffic card function, the actual perfect card holder status Authentication has a problem that is difficult to use directly.

In addition, conventional ring-type smart cards give up the decorative part of the ring, and only access to the functional side is practically little use of the state.

In other words, the nature of the ring, the decorative function and the convenience of possession, and the idea that the individual does not take off the ring is important, but the conventional technologies are only at the level of simply moving the smart card or transportation card to the ring.

Therefore, the conventional technology has a problem in that its use is very limited due to the lack of diversity of information stored in the smart card and the limitation of its use method, and it is difficult to reliably cope with being a legitimate individual user for the smart card.

Technical problem to be solved by the present invention, in order to solve the above problems, by utilizing for personal identification, such as access control to a specific place, login control such as PC, personal seal stamping function for electronic documents, etc. The present invention provides a smart card device and a smart card processing terminal system for personal identity authentication that can be used for an existing electronic payment and can accurately authenticate the owner.

The technical problem to be achieved by the present invention is to provide a personal authentication method in the smart card device.

According to the present invention for solving the technical problem, the smart card device for personal authentication according to the present invention, smart card chip containing information about the identity of the holder; A transceiver for contact or contactless communication of the smart card chip; And a biometric module that recognizes predetermined biometric information for the holder and transmits the information stored in the smart card chip through the transmitter / receiver only when the recognized biometric information corresponds to predetermined biometric information. It features.

The smart card device forms the shape of a ring, the smart card chip is mounted on the top of the ring, the biometric module is mounted on the bottom of the ring, it is preferable to recognize the surface of the finger of the holder to wear the ring.

The biometric information of the holder recognized by the biometric recognition module is preferably a pattern on the surface of the finger on which the ring is worn.

The transceiver preferably includes a contact point for contact communication and an RF antenna for contactless communication.

The contact is composed of a plurality of forms a predetermined pattern to function as a tension or when the smart card device forms a ring form a space in which the ring is mounted between the plurality of contacts, the contact is It is according to the ISO / IEC 7816-2 standard, and the RF antenna is preferably according to the ISO / IEC 14443 standard.

A display unit for informing a holder of a request to transmit specific information among information stored in the smart card chip; And a button unit for receiving a confirmation of the holder, wherein the smart card chip transmits the requested specific information through the transceiver unit only when receiving a confirmation input from the holder through the button unit.

The display unit may include a light emitting device that emits light when it is requested to transmit specific information among the information stored in the smart card chip, or when a request is made to transmit specific information among the information stored in the smart card chip. It is preferable to include an acoustic part to output.

The smart card chip includes a public certificate, electronic official, access control information to a specific area, personal seal information for electronic documents, electronic seal stamp for public documents, predetermined login information, personal authentication information, electronic money information. , Financial transaction information, credit card information, bank card information, and financial service information.

And a power supply unit capable of supplying power, wherein the power supply unit includes a condenser for storing power delivered in a contact or non-contact manner to the smart card device in conjunction with the smart card device, or there is no separate power supply. If it is insufficient, it is preferable to supply power using the power stored in the capacitor.

The smart card processing terminal system according to the present invention for solving the other technical problem, in conjunction with the smart card device to provide a power and operation clock in contact or contactless, the smart card according to a predetermined condition Read information stored on the device.

According to the present invention for solving the above-mentioned other technical problem, the personal authentication method of the smart card device interoperating with the smart card processing terminal system includes the personal authentication method in the smart card device interlocking with the smart card processing terminal system. a) receiving and responding to an application service file selection command and a signal comprising a power, clock and reset signal transmitted from the terminal system; (b) receiving, from the terminal system, information for recognizing a holder of the smart card device, and responding thereto; (c) informing the holder of the request of providing the authentication information when the authentication information from the smart card holder is requested from the terminal system; And (d) responding to the request for providing authentication information only after receiving confirmation from the holder.

At this time, it is preferable to perform one or more steps in steps (b) to (d) only when predetermined biometric information of the holder having the smart card device is recognized.

And the authentication information is the official certificate, electronic official, access control information to a specific area, personal seal information for electronic documents, electronic seal stamp information for public documents, predetermined login information, personal authentication information, electronic money information Preferably include at least one of financial transaction information, credit card information, bank card information, and financial service information.

In addition, in step (d), it is preferable to store the response details for the authentication information.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Figure 1 shows a schematic view of a general type of ring-shaped smart card device according to the present invention.

Ring-shaped smart card of the same shape as the lower end of Figure 1 is composed of an antenna portion 101, a contact portion 102, a button and a biometric module 103.

The upper part of the figure is the contact configuration of the contact IC card mentioned in the international standard ISO / IEC 7816-2, and the power, reset, clock, I / O (USB), ground, auxiliary power, I of reference numerals 111 to 118 The contacts of / O and I / O (USB) are shown to show consistency with standard specifications.

Figure 2 shows an example of a schematic internal structure of a general type of ring-shaped smart card device according to the present invention. It shows the location of the combination smart card chip, the contact part, the RF antenna, the LED, the capacitor, the button, and the biometric module.

Combi-type smart card chip 121 is a COB (Chip On Board) appearance of a general smart card, may include a contact portion (125).

The term combination is used for both contact and contactless operation, with a metal contact according to ISO / IEC 7816-2 for contact communication or a modified RF contactor according to ISO / IEC 14443 for contactless communication. Because of that.

The LED 122 performs a function of notifying the holder of sensitive or high importance information by a light or the like. Although not shown in the drawing, a small speaker may be used to inform the holder of the sound.

The RF antenna 123 is for contactless communication and is connected to the chip of the smart card chip 121 to comply with ISO / IEC 14443 and provides a communication range within 2 cm-10 cm. However, if the outer shape of the ring is made of metal, attenuation of radio waves may occur and may be performed in consideration of this.

The button 124 is used to reflect the owner's intention if necessary, and can be deleted for convenience or cost reduction. The LED 122 allows the holder to press a button 124 to inform the holder of a sensitive or important information request. This permission is required to send a response to the requested information.

The contact portion 125 refers to the contact portions 111 to 118 mentioned in the upper portion of FIG. 1 and has the same shape as that of FIG. 1. The condenser 126 is for the operation of the LED 122 and the biometric module 127 and secures and stores sufficient power from the smart card processing terminal system according to the present invention interworking with the smart card during the operation of the smart card, LED The 122 and the biometric module 127 perform a function of providing a stable power source. In this case, if the power is not supplied separately or is unstable, it can be used to supply power to other components.

Biometric module 127 is based on being mounted on the lower end of the ring smart card, for this purpose is suitable for the use of a straight scan method. This biometric module is based on fingerprint recognition. In this case, the surface pattern of the finger where the ring is inserted is recognized.

Figure 3a is a schematic diagram of the application type 1 of the ring-shaped smart card to which the present invention is applied, Figure 3b shows an example of its schematic internal structure. The contents shown in FIGS. 3A and 3B are similar to the contents of FIGS. 1 and 2. However, there is a difference between being able to insert a seal or an individual's seal such as a jewelry insertion or an organ into the jewelry / sentence / tension 130 which is a free space inside the contact portion 125. That is, there is a difference in the space where the gemstone is inserted. Therefore, most items are the same as the general type, but the positions of the contacts 111 to 118 are slightly different due to the jewelry / sentence / tension 130.

General type and application type 1 of FIGS. 1, 2, and 3 may have a slight difference in contact with a chip for a smart card since the outer contact portion of the ring should guarantee 1 cm X 1 cm. If it is not the actual jewelry is inserted into the jewelry / sentence / tensile portion 130 may be similar to the general form, but when the pattern used as a tension is inserted into the impact of the chip considering that the contact is pressed in use Prevention can be added.

In this case, the contacts of the power supply, reset, clock, I / O (USB), ground, auxiliary power supply, I / O and I / O (USB) of reference numerals 111 to 118 form a predetermined pattern so that the tension or sentence Can also be used as

Figure 4a is a schematic diagram of the application type 2 of the ring-shaped smart card to which the present invention is applied, Figure 4b shows an example of its schematic internal structure. This shape or structure is similar to the contents of Figs. 3A and 3B. However, in the case of FIG. 4A, the contact regulation of ISO / IEC 7816-2 is kept to a minimum, which is to reduce the outer shape of the ring to 0.7 cm X 0.7 cm. The rest is the same as Application 1.

Figure 5a is a schematic diagram of the application type 3 of the ring-shaped smart card to which the present invention is applied, Figure 5b shows an example of its schematic internal structure.

5A is a modified contact point of ISO / IEC 7816-2, and thus it may be difficult to use terminals for a conventional contact IC card as it is, and the smart card processing terminal system according to the present invention At a minimum, the contact portion contacting the contacts of the smart card should be modified to correspond to the configuration of the contacts of the smart card. However, communication and other matters are in accordance with the standard, and the conventional terminals may be utilized by changing only the socket portion in contact with the contact point.

The device of FIGS. 5A and 5B is more similar to a general ring than in the case of FIGS. 1-4B, except that the contents of the contacts are the same as the application type 1 and 2 of FIGS. 3A to 4B.

Figure 6a shows the external shape of the contact portion corresponding to the contact type of the smart card device for general / application type 1 / application type 2 of the ring-type smart card processing terminal system according to the present invention. The contacts 111 to 118 correspond respectively to the contacts disclosed in the previous figures, and for that reason the same reference numerals are used.

FIG. 6A is a diagram illustrating the contact configuration of a contact IC card mentioned in the international standard ISO / IEC 7816-2 in the form of an exposure at the smart card processing terminal system level. It can be carried out.

6B and 6C show the appearance of an embodiment according to the present invention. The ring type smart card device 600 according to the present invention and the smart card processing terminal system according to the present invention are also portable terminals 610 and 620.

When transmitting important information such as an international call or a credit card number, the holder of the ring smart card device 600 according to the present invention may be contacted with a corresponding contact portion of the terminals 610 and 620. In addition, in the case of a mobile phone with a built-in smart card processing terminal system according to the present invention, instead of the button unit 124, it is possible to input the password by using the keypad of the mobile phone so that the holder can check it. In this case, the holder's authority authentication and the holder's personal authentication can be performed simultaneously.

7 illustrates a state in which a ring-type smart card processing to which the present invention is applied is processed in a non-contact manner. The ring smart card device 700 according to the present invention can be used as it is in the existing IC card terminal 710 for ISO / IEC 14443 in compliance with the ISO / IEC 14443 standard. If you put your hand close to the terminal while wearing a ring, personal authentication is performed. However, in case of illegally accessing or charging the holder's personal information using an illegal terminal that is not allowed, the holder may use the LED light, etc. built in the ring 700 to confirm the situation. To pass.

8A and 8B are an external view and a side view of an example of the configuration of a contact portion of a smart card processing terminal system corresponding to the contact portion of the ring-shaped smart card device of FIG. 5A or 5B, respectively.

For the smart card device of the application type 3 according to the present invention of Figs. 5A and 5B, there is a need for a corresponding contact configuration of a unique processing terminal system corresponding thereto.

As shown in FIG. 8A, all the contact items of IOS / IEC 7816-6 remain as they are, but the location information is different, so it is necessary to confirm this, and separately prepare means for designating the contact direction in order to prevent an error according to the direction of the contact Needs to be. For example, it is necessary to give the contact direction by using the direction of the LED used to notify the holder.

The power supply 111, ground 115, clock 113, and reset 112 that require persistence while the contacts (FIGS. 5A and 5B) of the ring-shaped smart card device according to the present invention are inserted are naturally installed on a concave wall. Corresponding contacts were connected to each other, and the I / O (117; 114, 118) and auxiliary power source 116 for data communication and capacitor charging were located in the center, which is the ring of FIGS. 5A and 5B. Unlike the contacts of the smart card device, it is intended to secure stability by increasing the area.

FIG. 8B is a side view concept of FIG. 8A, which is designed to be concave to insert and fix a ring, and the power source 111, the ground 115, the reset 112, and the clock 113 are located at a wall portion. And is determined according to the contact position of the corresponding smart card device.

9A and 9B show another embodiment of the embodiment according to the present invention. 9A and 9B illustrate that the smart card processing terminal system according to the present invention disclosed in FIGS. 8A and 8B is mounted on the portable terminals 910 and 920. This is an example in which the smart card processing terminal system according to the present invention is exposed. This is the same as the embodiment of FIGS. 6B and 6C. That is, when transmitting important information such as international calls or credit card numbers, the ring-type smart card device 900 may be contacted with a contact point of the smart card processing terminal system according to the present invention to authenticate the holder.

10 and 11 illustrate an example of a flow of a personal authentication method of a smart card device linked to a smart card processing terminal system according to the present invention.

10 is an embodiment in which the holder contacts or approaches the ring smart card to the processing terminal system and uses a characteristic service. When the holder touches or approaches the ring smart card to the processing terminal system, step S10-FIG. In step 01, the processing terminal system recognizes the ring smart card and supplies power, clock (CLK) and reset (RST) signals to the ring smart card.

In step S10-02, the ring smart card operates normally, and transmits an Answer-To-Reset (ATR) signal to the processing terminal system. In step S10-03, the ATR of the ring smart card is checked by the processing terminal system. Send the appropriate application service file select command.

In step S10-04, the ring-type smart card checks the transmitted command, selects the corresponding file, and transmits a response. In step S10-05, the ring smart card transmits a command for confirming whether the holder possesses the proper authority such as the holder's ID. In step S10-06, the ring smart card interprets the command and transmits a response including the appropriate information therefor.

If personal authentication is required, in step S10-07, the holder's authentication request command is sent. In step S10-08, the ring-shaped smart card lights up an LED to interpret the command and recognizes it to the holder, and the level of the request information and the prescribed procedure. By pressing the button or receiving the biometric information of the holder using the biometric module, and transmits a response with an electronic seal, such as a signature using a public certificate.

In this case, according to the embodiment, the holder can receive the final confirmation through the pressing of a button, and can be executed only when the biometric information is recognized at each step. In other words, by installing a double safety net to increase the degree of security.

In step S10-09, the processing terminal system checks the response of the ring smart card and performs appropriate measures.

FIG. 11 is similar to FIG. 10, but an embodiment of a case where a personal authentication is requested in a situation in which an appropriate process is first performed, in step S11-01, a holder uses a PC, a mobile phone, or another stationary processing terminal system to designate a specific service. If a holder's personal authentication request occurs through the screen or the speaker of the processing terminal system while the user's authentication is required while using the device, the holder contacts or approaches the ring-shaped smart card to the processing terminal system in step S11-02. .

If the processing terminal system recognizes the ring smart card in step S11-03 and supplies power, clock (CLK) and reset (RST) signals to the ring smart card, the ring smart card resumes normal operation in step S11-04. In addition, an ATR (Answer-To-Reset) signal is transmitted to the processing terminal system. In step S11-05, the processing terminal system checks the ATR of the ring-shaped smart card and transmits an appropriate application service file select command.

In step S11-06, the ring smart card checks the transmitted command, selects the corresponding file, and transmits a response. In step S11-07, the ring smart card is sent in step S11-08. Turns on the LED to interpret the command and recognizes the holder, presses a button or checks the biometric information of the holder using the biometric module according to the requested information level and prescribed procedure. Send the tensioned response.

In step S11-09, the processing terminal system checks the response of the ring smart card and performs appropriate measures.

As shown in FIG. 10, the holder may receive the final confirmation through the pressing of a button, and may be executed only when biometric information is recognized at each step.

In order to deny the provision of a service corresponding to the use after the use of the smart card device according to the present invention or the denial of providing such a service after the access permission, the response details for the authentication information provided as needed to be processed as described above are provided. Can be stored.

As described above, the ring-shaped smart card according to the present invention stores an individual's authorized certificate and an electronic officer of an institution in the memory of a combination smart card, and provides access control function to a specific area, It is possible to provide the personal seal function and the private document seal function of public institutions in the public document, and the personal authentication function when logging in to a PC or using a specific service.

In addition, it can be equipped with electronic money or EMV functions to provide individual financial transactions, credit card transactions, and electronic payments with the same functions as using a normal card, bank card or credit card.

Also, more preferably, in the ubiquitous era, when a personal information is requested from an external terminal in the ubiquitous era, the ring smart card transmits a situation to the individual through LED lights, etc., and the holder is attached to the ring according to the importance of the information. Press or enter the biometric information of the individual in the biometric module to provide a function to deliver the internal information to the outside.

In addition, the ring smart card processing terminal system can be operated normally in the terminal for contactless IC card according to the existing ISO / IEC14443, and can be mounted in the form of mobile devices such as mobile phones and PC-equipped terminals, preferably ISO / IEC 7816-2. Alternatively, the modified ring-shaped smart card may be kept in a form that may be read, thereby providing power and a clock to the ring-shaped smart card and performing appropriate operations as described above through communication.

As described above, optimal embodiments have been disclosed in the drawings and the specification. Although specific terms have been used herein, they are used only for the purpose of describing the present invention and are not intended to limit the scope of the present invention as defined in the claims or the claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

It will be apparent to those skilled in the art that various embodiments in accordance with the present invention in addition to the above examples are possible. The scope of the present invention is shown not in the above description but in the claims, and all differences within the scope will be construed as being included in the present invention.

In addition, it can be easily understood by those skilled in the art that each of the above steps according to the present invention can be variously implemented in software or hardware using a general programming technique.

And some steps of the invention may also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, CD-RW, magnetic tape, floppy disks, HDDs, optical disks, magneto-optical storage devices, and carrier wave (eg, Internet It also includes the implementation in the form of). The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

The present invention made as described above has the following effects.

First, the present invention is a ring-shaped smart card, because the ring-type equipment with the external satisfaction so that the holder can always carry, high portability and can be used as an electronic seal for personal authentication, thereby enabling a secure system maintenance .

Second, the present invention is possible to contact and contactless communication can be used without modification existing terminal for the non-contact IC card can be applied to various fields, by improving the contact portion of the existing contact terminal in connection with PC and mobile phones, etc. It is convenient to use.

Third, the present invention can be utilized as a kind of electronic tension concept by mounting the certificate of the individual and, if necessary, the institution in the ring smart card. This enables more thorough personal authentication and denial of results.

Fourth, the present invention can apply a plurality of body information and passwords in appropriate combination or apply the whole together, providing flexibility in system configuration to the applied service.

Fifth, the present invention can be utilized as a kind of key by using a single ring-shaped smart card, access, identity authentication, PC login control, electronic seal (electronic signature), electronic certificate of the agency and, if necessary Equipped with personal authentication under wired / wireless internet environment such as electronic documents, it can increase the safety in the overall environment. In addition, it can be very useful for subscriber authentication in various applications such as credit card, e-commerce, transportation, and other parks and stadiums.

Sixth, in the present invention, when using a mobile phone as a processing terminal system in conjunction with a mobile phone, the mobile phone serves as a personal monitor and terminal in the ubiquitous environment without the smart card chip in the mobile phone, the ring-shaped smart card is used for personal information Can function as a key to protection.

Seventh, the present invention can ensure a high degree of reliability and safety for each application service operator and the corresponding service user due to the above effects.

Claims (17)

delete A smart card chip containing information about the identity of the holder; A transceiver for contact or contactless communication of the smart card chip; And And a biometric module configured to recognize predetermined biometric information on the holder and to transmit the information stored in the smart card chip through the transceiver, when the recognized biometric information corresponds to predetermined biometric information. The smart card device forms the shape of a ring, The smart card chip is mounted on the top of the ring, the biometric module is mounted on the bottom of the ring smart card device for personal authentication, characterized in that for recognizing the surface of the finger of the holder is wearing the ring. The method of claim 2, The biometric information of the holder recognized by the biometric module is a smart card device for personal authentication, characterized in that the pattern of the surface of the finger on which the ring is worn. The method of claim 2, The transceiver unit is a smart card device for personal authentication, characterized in that it comprises a contact point for contact communication and the RF antenna for contactless communication. The method of claim 4, wherein The contact is composed of a plurality of constituting a predetermined pattern to function as a tension or when the smart card device to form a ring, characterized in that forming a space in which the ring is mounted between the plurality of contacts Smart card device. The method of claim 4, wherein The contact is in accordance with the ISO / IEC 7816-2 standard, the RF antenna is a smart card device for personal authentication, characterized in that according to the ISO / IEC 14443 standard. A smart card chip containing information about the identity of the holder; A transceiver for contact or contactless communication of the smart card chip; And A biometric module for recognizing predetermined biometric information on a holder, and transmitting information stored in the smart card chip through the transceiver unit only when the recognized biometric information corresponds to predetermined biometric information; A display unit for informing a holder of a request to transmit specific information among information stored in the smart card chip; And It includes; Button unit for receiving the holder's confirmation, The smart card chip transmits the requested specific information through the transceiver only when receiving a confirmation input from the holder through the button unit. The method of claim 7, wherein The display unit smart card device for personal authentication, characterized in that it comprises a light emitting element that emits light when it is requested to transmit specific information of the information stored in the smart card chip. The method of claim 7, wherein The display unit includes a sound unit for outputting a pre-input sound when a request is made to transmit specific information among the information stored in the smart card chip; smart card device for personal authentication. The method of claim 2, The smart card chip includes a public certificate, electronic official, access control information to a specific area, personal seal information for electronic documents, electronic seal stamp for public documents, predetermined login information, personal authentication information, electronic money information. And at least one of financial transaction information, credit card information, bank card information, and financial service information. The method according to any one of claims 2 to 10, Smart card device for personal authentication, characterized in that it further comprises; a power supply for supplying power. The method of claim 11, The power supply unit includes a condenser for storing the power delivered to the smart card device in contact or contactless contact with the smart card device, Smart card device for personal authentication, characterized in that for supplying power using the power stored in the capacitor when there is no separate power supply or lack. A smart card processing terminal which provides power and an operation clock in contact or non-contact with a smart card device according to any one of claims 2 to 10, and reads information stored in the smart card device according to a predetermined condition. system. In the personal authentication method in the smart card device in conjunction with the smart card processing terminal system, (a) receiving and responding to a signal including a power, clock and reset signal transmitted from the terminal system and an application service file selection command; (b) receiving, from the terminal system, information for recognizing a holder of the smart card device, and responding thereto; (c) informing the holder of the request of providing the authentication information when the authentication information from the smart card holder is requested from the terminal system; And (d) responding to the request for providing the authentication information only after receiving confirmation from the holder; and a personal authentication method of the smart card device linked with the smart card processing terminal system. The method of claim 14, Smart operation in conjunction with a smart card processing terminal system, characterized in that the steps of (b) to (d) are executed only when predetermined biometric information of the holder having the smart card device is recognized. Personal authentication method of card device. The method according to claim 14 or 15, The authentication information may include an official certificate, an electronic official, access control information to a specific area, an individual seal information for an electronic document, an electronic official seal information for a public document, predetermined login information, personal authentication information, electronic money information, Personal authentication method of the smart card device in conjunction with the smart card processing terminal system, characterized in that it comprises at least one of financial transaction information, credit card information, bank card information, financial service information. The method according to claim 14 or 15, The personal authentication method of the smart card device linked to the smart card processing terminal system, characterized in that for storing the response details for the authentication information in the step (d).

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