KR100871322B1 - Virtual Magnetic Line Strip type IC Card being Readable with Card Reader for Magnetic Card - Google Patents

Abstract

A virtual magnetic stripe type IC card capable of reading card information with a magnetic stripe card reader is disclosed. On the IC card substrate, a card information storage section, an information transmission control section, a magnetic current drive section, and a magnetic transmission section are provided. The card information storage unit stores card information provided by the card issuer of the IC card, and the information delivery control unit reads card information from the card information storage unit and outputs a pulse signal corresponding to the magnitude information of the value. The magnetic current driving unit receives the pulse signal from the information transmission control unit and generates an analog type magnetic driving current corresponding to the change in the magnitude of the pulse signal. The magnetic transmission section causes the magnetic drive current to flow, thereby generating a time-varying magnet corresponding to the change in polarity of the magnetic drive current at predetermined points corresponding to the positions of the tracks defined by the standard for the magnetic stripe card. This time-varying magnet is read by a card reader. An alignment detection unit is further provided for providing an information transmission control unit with an alignment state between the magnetic head of the card reader and the head of the magnetic transmission unit. The apparatus may further include means for authenticating a card user using a fingerprint or a password of the user. The IC card provides card information in a form that can be read by a conventional card reader for magnetic stripe cards, so that it can be used without installing a new card reader. In addition, it is possible to physically store a plurality of card information in a single IC card to logically function as a plurality of IC cards.

Description

Virtual Magnetic Line Strip type IC Card being Readable with Card Reader for Magnetic Card}

1 shows the track layout of a conventional magnetic stripe card.

Fig. 2 shows a standard (ISO7811 / 2-1985) relating to the length of data, character standards, character density, and the like, in which information is recorded on three tracks of a magnetic stripe card.

3A and 3B are diagrams for explaining a method of reading information recorded on a magnetic stripe card into the magnetic head 50 of the card reader.

4 is a block diagram showing functionally divided the configuration of the virtual magnetic stripe type IC card 100 according to the present invention.

5 shows an example of a schematic layout of the virtual magnetic stripe type IC card 100.

6 through 9 illustrate various preferred embodiments of the magnetic transmitter 110.

FIG. 10 is a view for explaining a method of reading information of the IC card having the magnetic transmitter 110a of FIG. 6 through the magnetic head 50,

FIG. 11 is a view for explaining a method of reading information of the IC card having the magnetic transmitters 110b, 110c, and 110d of FIGS. 7 to 9 through the magnetic head 50. As shown in FIG.

** Description of the symbols for the main parts of the drawings **

50: magnetic head 100: IC card

110, 110a, 110b, 110c, 110d: magnetic transmitter

112: magnetic coil 116: virtual magnetic strip

130: fingerprint sensor 212: magnetic coil

214, 314, 414: magnetic circuit of magnetic material

The present invention relates to an IC card incorporating an integrated circuit (IC) chip, and more particularly, to an IC card capable of reading card information even in a conventional magnetic stripe card reader.

Credit cards include IC cards that incorporate a magnetic stripe credit card and an integrated circuit (IC) chip using a largely "magnetic strip" (MS) method, depending on how the information is recorded on the card. The IC chip of the IC card has a processor capable of memory and arithmetic functions, etc. The IC chip can be used to perform security functions such as digital signatures and access control functions (physical access control and online control access). It can also provide services such as point services, e-tickets, as well as payment financial services such as card payment, cash withdrawal. Magnetic stripe cards do not have any security and identity verification features, which can cause great damage to cardholders and card-issuing financial institutions if the card is lost or if the card is forged or tampered with. However, in the case of an IC card, the card itself can be used relatively securely through a user identification function such as a fingerprint recognition function or a password verification operation through a card reader. Due to the various functions and safety of such IC cards, IC cards are expected to become the mainstream of the next generation card business, and the types of cards are gradually being replaced from magnetic stripe cards to IC cards all over the world.

However, despite the advantages of the IC card, the replacement of the credit card from the magnetic stripe card to the IC card is slower than planned. The main reason for this problem is that the existing IC card cannot be read by the reader of the magnetic stripe card. Therefore, a separate IC card reader must be installed. The IC card reader is actively installed due to the burden of installation cost. It is not progressing. In Korea, the VAN provider must replace the magnetic stripe card reader with the IC card reader in the infrastructure using the existing magnetic stripe credit card. Because there is no ability.

An object of the present invention is to provide an IC card capable of increasing the speed of dissemination of an IC credit card without adding a costly magnetic strip card reader by adding a function that can be used in a conventional magnetic strip card reader.

It is another object of the present invention to provide an IC card designed to prevent the card reader from reading information embedded in the card without identifying the user by using security, which is an advantage of the IC card.

According to an aspect of the present invention for achieving the above object, there is provided a virtual magnetic stripe type IC card capable of reading card information with a card reader for a magnetic stripe card. The IC card includes: a card information storage unit for storing card information provided by a card issuer of the IC card; An information sending control unit which reads the card information from the card information storing unit and outputs a pulse signal corresponding to the magnitude information of the value; A magnetic current driver for receiving the pulse signal from the information transmission controller and generating an analog type magnetic driving current corresponding to a change in the magnitude of the pulse signal; And transmitting the time-varying magnet corresponding to the change in polarity of the magnetic driving current at predetermined points corresponding to the positions of the tracks defined by the standard for the magnetic stripe card by flowing the magnetic driving current so that the card information is read by the card reader. And a magnetic transmission section for reading by. These components are installed on the IC card substrate.

The IC card may further include a card issuer connection unit connected to the card issuer and providing an interface to the card issuer such as transferring the card information provided by the card issuer to the card information storage unit.

Preferably, the IC card further includes an alignment detection unit which detects whether the magnetic head of the card reader and the head of the magnetic transmission unit are aligned and provides the alignment detection signal to the information transmission control unit. In this case, the information transmission control unit outputs the pulse signal when it is confirmed through the alignment detection signal that the magnetic head of the card reader is aligned with the head of the magnetic transmission unit. The alignment detection unit is an impedance measuring unit for measuring the impedance of the magnetic transmission unit, and the information transmission control unit is that the magnetic head of the card reader and the head of the magnetic transmission unit are aligned when the measured impedance value is within the set range. To judge.

In order to allow the IC card to be used only by a legitimate user, the IC card stores the standard authentication information of the owner of the IC card in advance by using a repository, and receives the user authentication information from the card user when the IC card is used. A user authentication means is provided for authenticating the use of the IC card by providing a user authentication signal only when matching the authentication information. Here, the reference authentication information is at least one of fingerprint information and password. In order to configure an IC card that is physically a single IC card, but logically functions as a plurality of IC cards, the card information storage unit and the user authentication means each store a plurality of card information and a plurality of standard authentication information. One-to-one correspondence is stored to physically include a plurality of IC cards logically in one IC card, and the user authentication means compares the user authentication information input by the card user with the plurality of reference authentication information. And provide the user authentication signal with respect to card information corresponding to the reference authentication information that matches the user authentication information to authenticate card use.

According to an example of the preferred configuration of the user authentication means, the user authentication means includes an authentication information storage unit for storing the fingerprint information of the IC card holder as reference authentication information; A fingerprint sensor which collects the fingerprint of the IC card user and converts the fingerprint into digital fingerprint information; And receiving the fingerprint information as the user authentication information from the fingerprint sensor, receiving the reference authentication information from the authentication information storage unit, comparing the user authentication information with the reference authentication information, and confirming the user authentication when the two match. And a user authentication unit for providing a signal to the information transmission control unit. In this case, the information sending control unit outputs the pulse signal in response to the input of the user authentication signal to activate the IC card in a usable state. In this case, the reference authentication information stored in the authentication information storage unit as the reference authentication information is the first one fingerprint information of the IC card owner or the first two times that the IC card owner is collected from the fingerprint sensor for the first time after the IC card is reset. The fingerprint information of the IC card owner is determined by the representative fingerprint information selected from the matched fingerprint information or the IC card issuing company, and the card issuer is provided through the card issuer connection unit.

According to another example of the preferred configuration of the user authentication means, the user authentication means includes an authentication information storage unit for storing the password set by the IC card owner as reference authentication information; A password input unit for allowing the IC card user to input a password; And receiving the password as user authentication information from the password input unit, receiving the reference authentication information from the authentication information storage unit, comparing the user authentication information with the reference authentication information, and comparing the user authentication signal with the user authentication signal. And a user authentication unit provided to the information transmission control unit.

The IC card may further include an LED lamp that is turned on for a predetermined time by a control signal provided by the user authentication means when the use of the IC card is authenticated, and the power required by each component of the IC card. It is preferable to further provide a battery to be provided.

In the IC card, according to a preferred configuration example of the magnetic current driving unit, the pulse signal is received from the information transmission control unit and outputs an analog type magnetic driving current whose polarity is changed in response to the level change of the pulse signal. Magnetic current driving circuit; And a low pass filter connected between the magnetic current driving circuit and the magnetic transmission unit to transfer the magnetic driving current to the magnetic transmission unit.

In the IC card, according to a preferred configuration of the magnetic transfer unit, the magnetic transfer unit includes as many magnetic coils as the number of tracks disposed at the predetermined points inside the card substrate, respectively. Both arms are separately connected to output ends of the magnetic current driver.

According to another preferred configuration of the magnetic transmission unit, the magnetic transmission unit is arranged in the predetermined position of the card substrate by the number corresponding to the number of the track and the magnetic generating coil; And a strip line penetrates the inside of each of the plurality of magnetic generating coils, and each strip line extends to the vicinity of the predetermined point while drawing a substantially circular, elliptical or polygonal shape so as not to cross each other, and both ends of each strip line are formed at the predetermined point. It includes a magnetic material magnetic circuit corresponding to the number of the track, which is spaced by a predetermined interval and the time-varying magnet is transmitted through this, wherein each of the arms of each of the magnetic generating coil is separately at the output terminal of the magnetic current driving circuit Connected. Furthermore, one end of the open portion of each of the magnetic material magnetic circuits is terminated by a "⊃" shaped stripline and the opposite end is a straight strip disposed slightly spaced apart facing the "⊃" shaped stripline. It is preferable to be configured in the form of terminating in a line.

According to still another preferred configuration of the magnetic transmission unit, the magnetic transmission unit may include: a magnetic generating coil disposed at a predetermined position of the card substrate corresponding to the number of tracks; And a plurality of first strip lines including portions penetrating through the magnetic generating coils, the half corresponding to the number of the tracks being semi-circular or semi-elliptical, and the other half having the width in which the first strip lines are disposed. And a second common stripline of semicircular or semi-elliptic shape having a width greater than or equal to each other, wherein the first stripline and the second common stripline face each other to form a circular or elliptical shape. One end is connected to one end of the second common stripline and the other end is spaced apart from the other end of the second common stripline by a predetermined distance from the predetermined point, through which the time-varying magnet is configured to send out Material magnetic circuits. Furthermore, three "⊃" shaped grooves are provided at opposite ends of the second common stripline to face the ends of the first stripline, and each end of each of the first stripline has a "⊃". It is desirable to be spaced slightly apart facing the grooves.

In the above-mentioned preferred configuration of the magnetic transmitter, the predetermined points are three points of specific positions of each of three tracks arranged in parallel at predetermined intervals. In addition, the arrangement interval of the magnetic head portion of the magnetic transmission unit that generates magnetism and transmits it to the magnetic head, that is, the arrangement interval of the three points is preferably the same as the placement interval of the three magnetic heads of the card reader.

 In the second and third preferred embodiments of the magnetic transmission unit, one end portion of the stripline enters the “⊃” shaped stripline or the “⊃” shaped groove to overlap each other by a predetermined length. The overlapping length is preferably set in a range of not less than the width of the core of the magnetic head of the card rear device in the direction of card movement or less than the length of the magnetic strip of the IC card. This overlapping length is long enough for all the card information to be read by the header of the card reader when the IC card is inserted into the card reader and moved.

On the other hand, according to a preferred embodiment of the present invention, a virtual magnetic stripe type IC card capable of reading card information with a magnetic stripe card reader, the card information storage unit for storing the card information provided by the card issuer of the IC card; A card issuer connection unit connected to the card issuer and providing an interface to the card issuer such as transferring the card information provided by the card issuer to the card information storage unit; In response to the input of the user authentication signal, when the alignment detection signal for confirming that the magnetic head of the card reader is aligned with the head of the magnetic transmission unit is input, the card information is read from the card information storage unit and the magnitude of the value thereof is read. An information transmission control unit outputting a pulse signal corresponding to the information; It is installed on the IC card board, and stores the standard authentication information of the owner of the IC card in advance by using the storage device, and receives the user authentication information from the card user when the IC card is used, and the user only matches the standard authentication information. User authentication means for authenticating the use of the IC card by providing an authentication signal to the information transmission control unit; A magnetic current driver for receiving the pulse signal from the information transmission controller and generating an analog type magnetic driving current corresponding to a change in the magnitude of the pulse signal; By flowing the magnetic drive current, a time-varying magnet corresponding to a change in polarity of the magnetic drive current is transmitted at predetermined points corresponding to the positions of the tracks defined by the magnetic stripe card standard so that the card information is transferred to the card reader. A magnetic transmission unit to be read by; And an alignment detection unit for detecting whether the magnetic head of the card reader and the head of the magnetic transmission unit are aligned and providing the alignment detection signal to the information transmission control unit, which are provided on an IC card substrate.

The IC card of the present invention having such a configuration generates magnetic information that can be read even in a conventional magnetic strip card reader. Therefore, it has the advantage of being a card that can be used immediately even in an environment built with a card reader for a conventional magnetic stripe card.

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

The IC card 100 to be proposed by the present invention has a function of an IC card, and can use the information reading method of the conventional card reader 40 as it is without modifying the conventional magnetic stripe card reader 40. There are major features to having. If the method to utilize the existing magnetic stripe card reader is simply to attach the magnetic stripe to the IC credit card, it will not use the security of the IC card at all, thereby exposing the disadvantages of the existing magnetic stripe card. Inappropriate There is a need to simultaneously maintain the security and availability of the conventional magnetic stripe card reader.

In order to facilitate understanding of the IC card according to the present invention, a method of reading card information recorded on an existing magnetic stripe card will first be briefly described. Currently used magnetic stripe type credit card includes three tracks on the magnetic stripe as shown in FIG. Card information is recorded in each of these tracks. The method of recording the information on the track of the magnetic stripe is standardized. As shown in FIG. 2, the standard on the length, the character standard, and the degree of integration of the data recording the information on three tracks is ISO7811 / 2-1985. There is also a standard for recording information on one track. Card information recording of magnetic stripe cards is made according to this standard.

FIG. 3 is a view for explaining a method of reading information recorded in a track 14 on a magnetic strip 12 of the magnetic strip card 10 into the magnetic head 50 of the card reader. B) is a plan view and a cross-sectional view showing a state where the magnetic head 50 of the card reader is located on the track 14 of the magnetic strip 12, respectively. The magnetic head 50 is a structure in which the coil 52 wound several times or more in the nonmagnetic object 54 is incorporated, and the coil 52 is interlocked with the core 56 inside the coil 52. The card information of the magnetic strip 12 is read by detecting the voltage V (t) induced at both ends of. In each track 14 of the magnetic strip 12, card information is recorded in the form of magnetic information in which the N pole and the S pole are recorded in a predetermined order as shown in Fig. 3A. In order to record such magnetic information, very fine magnetic powder is coated on the magnetic strip 12. The magnet has the north pole and the south pole, and the magnetic powder is arranged in a fixed manner to store information.

In order to read the information recorded in the track of the magnetic strip 12, the magnetic strip card 10 must be moved (scanned) so that the track of the magnetic strip card 10 passes under the magnetic head 50 of the card reader. By the scanning of the magnetic stripe card 10, magnetic information in which the N poles and the S poles are recorded in predetermined order on each track of the magnetic stripe 12 passes through the magnetic head 50 in sequence. As a result, a change in magnetism corresponding to the magnetic information recorded in the track appears under the coil 52 of the magnetic head 50, and due to the change in the magnetic force, the magnetic change is made in connection with the coil 52 of the magnetic head 50. As the magnetic flux causes a temporal change, an induced current is generated in the coil 52 of the magnetic head 50. Therefore, by detecting the induced current flowing in the coil 52, the magnetic information recorded in the track 14 can be read. As a result, the magnetic information recorded on each track 14 of the magnetic strip 12 induces an electrical signal flowing through the coil 52 of the magnetic head 50, and the induced electrical signal is internal to the card reader 40. The card reader can read the magnetic information of the magnetic stripe card 10 by performing signal processing such as conversion to a specific code of binary number in the circuit. At this time, the information of '1' and '0' is determined by the reversal speed of the N pole and the S pole as a standard, and is widely used. For reference, the magnetic head 50 is a ferromagnetic material is disposed inside the coil 52 to achieve a stronger magnetic induction, and the outside of the coil 52 is filled with a nonmagnetic material.

The present invention pays attention to the following points in order to apply the magnetic information reading principle of the conventional magnetic stripe card 10 to an IC card. That is, the magnetic head 50 of the card reader is arranged so that the 'specific portion (magnetic transmission portion 110 of FIG. 5)' of the IC card is aligned, and the 'specific portion' sequentially generates magnetism corresponding to the card information. In other words, the magnetic head 50 can detect such a sequential change of the magnet and convert it into a binary code. This is the same as the magnetic information detection method of the magnetic strip card 10 using the conventional magnetic head 50 described above. Therefore, in addition to the general components of the IC card, a new IC card further comprising components necessary for converting the card information into magnetic information sequentially changed through the 'specific portion' and the 'specific portion' (the IC card of the present invention). ), The card reader for the existing magnetic stripe card can be used as it is without conversion.

4 is a block diagram showing functionally divided the configuration of the virtual magnetic stripe type IC card 100 according to the present invention. The IC card 100 includes a card issuer connection unit 520, a card information storage unit 510, a user authentication means 200, an information transmission control unit 550, an impedance measuring unit 560, a magnetic current driving circuit 570, The low pass filter 580, LED lamp 150, the battery 140, and the magnetic transmission unit 110 and the like components.

The connection relations and functions or roles of the components of the IC card 100 shown in FIG. 4 are as follows.

(1) card issuer 600-an IC card issuing company equipped with an IC card having an interface that is electrically or magnetically connected to the IC card 100 according to the present invention and is intended to send and issue card information ( It is a card issuer with the function provided by 100). In addition, the card reset signal may be provided to the IC card 100 to further control the card owner's fingerprint information or password to be registered in advance in the IC card 100 as reference authentication information. The card issuer 600 may be configured by adding these functions to the existing magnetic card issuer. Electrical and magnetic connection interfaces can use standard techniques that are generally well known.

(2) card issuer connection unit 520-provides an interface to the card issuer 600 of the IC card issuing company. In detail, the card information of the card user is received from the card issuer 600 to be stored in the card information storage unit 510. In addition, the card issuer connection unit 520 receives the cardholder's standard authentication information provided by the card issuer 600 and stores it in the authentication information storage unit 530 (details will be described later).

(3) Card information storage unit 510-The card issuer 600 stores the card information of the credit card or other uses provided through the card issuer connection unit 520 to keep it from being lost. In addition, in response to a request of the information dispensing control unit 550, the card information being stored is provided. The card information storage unit 510 may be implemented as a nonvolatile memory device.

(4) User authentication means 200-It is preferable that only the user authenticated as the legitimate owner of the IC card 100 can use the card. The user authentication means 200 is a component for this purpose, comparing the authentication information input by the user of the IC card 100 with the standard authentication information of the IC card 100, and only if the user's IC card is identical. (100) Adopt an authentication method that allows use. The reference authentication information may be, for example, fingerprint information of the party owner of the IC card 100 or a password determined by the card owner. In this case, the user input authentication information is his fingerprint information or password which the user of the IC card 100 inputs when using the card. The user authentication means 200 may be configured to employ any one or both of a fingerprint authentication means and a password authentication means.

1) Fingerprint authentication means

The fingerprint authentication means includes a fingerprint sensor 130, an authentication information storage unit 530, and a user authentication unit 540. With this configuration, the fingerprint information of the owner of the IC card 100 can be registered in the IC card 100 as basic authentication information, and the user can be authenticated using the fingerprint information of the user when the IC card 100 is used. have.

a) Fingerprint sensor 130-This fingerprint sensor 130 is a fingerprint sensor (when the owner or user of the IC card 100 touches the fingerprint sensor 130 in a manner specified in the fingerprint sensor usage method using a fingerprint sensor ( 130 converts the user's fingerprint into fingerprint information in the form of digital data. The fingerprint information of the IC card owner obtained by the fingerprint sensor 130 is provided to the authentication information storage unit 530 to register as basic authentication information. In addition, the fingerprint information of the IC card user obtained by the fingerprint sensor 130 is provided to the user authentication unit 540 for authentication of the user. Acquisition of fingerprint information using a fingerprint sensor is a well known technique, and thus a detailed description thereof will be omitted.

b) Authentication information storage unit 530-consists of a nonvolatile memory device, and stores the standard authentication information of the IC card holder. That is, after resetting the card, it is determined whether the first fingerprint information provided by the fingerprint sensor 130 or the first two or more fingerprint information are matched, and the representative fingerprint information is selected from the matched fingerprint information. Used as. The card reset is performed by a card reset signal provided by the card issuer 600 or by providing a separate reset key (not shown) on the IC card 100 so as to be performed by a reset signal provided by the reset key.

As such, the standard authentication information may be directly collected from the IC card 100 and registered, but the standard authentication information may be provided through the card issuer 600 of the card company. That is, the card holder provides his / her fingerprint to the card company when the IC card is issued, and receives the fingerprint information through the card issuer 600 and stores the fingerprint information in the authentication information storage unit 530.

The fingerprint information of the card holder registered in advance is later compared with the fingerprint information input by the IC card user and used to authenticate the user. In addition, if the standard authentication information is registered in the authentication information storage unit 530 of the IC card 100, user authentication is possible without going through a system (not shown) of the card company.

c) user authentication unit 540-receives the fingerprint information of the user who wants to use the current IC card 100 from the fingerprint sensor 130 and the fingerprint information is stored in advance in the authentication information storage unit 530 as reference authentication information In comparison with the fingerprint information, the authentication of the current user is determined according to whether they match. If it is recognized that there is a predetermined level of correlation between the fingerprint information provided by the fingerprint sensor 130 and the fingerprint information stored in the authentication information storage unit 530, both fingerprints are regarded as matched, and the current user is authenticated. . If the current user is authenticated, the user authentication unit 540 provides an authentication signal to the information transmission control unit 550. In response to the input of the authentication signal, the information sending buffer in the information sending control unit 550 is activated. From that point on, the IC card 100 is in a usable state.

The user authentication unit 540 also provides the authentication signal to the LED lamp 150 so that the LED lamp 150 is turned on. The user can recognize that the IC card 100 is in a usable state when the LED lamp 150 is turned on. The user authentication unit 540 provides a signal for canceling fingerprint authentication after a predetermined time to the information transmission control unit 550 and the LED lamp 150 to deactivate the information transmission buffer and to turn off the LED lamp 150.

d) other

Of course, user authentication is possible through the card company's system. In this case, the standard authentication information only needs to be registered in the card company system and does not need to be stored in the IC card 100. In addition, fingerprint information of the IC card 100 user must be collected locally for user authentication and provided to the card company system. In this case, the fingerprint information of the user is collected by using the fingerprint sensor 130 of the IC card 100 or by using a fingerprint sensor (not shown) separately provided in the local merchant card reader 40. The merchant card reader 40 may transmit the collected fingerprint information to the card company system. The card company system compares the fingerprint information received with respect to a specific IC card with the registered fingerprint information (standard authentication information) of the IC card owner to determine whether to authenticate, and notifies the merchant card reader 40 of the result. Just do it. In this way, since all or part of the user authentication function is made by a resource outside the IC card 100, the IC card 100 does not need to include all of the user authentication means 130. Instead, the IC card 100 may further include a component that receives the authentication signal provided by the card company system through the affiliated card reader 40 and transmits it to the information transmission control unit 550. Further, if necessary, the degree of the component providing the fingerprint information of the IC card user collected by the fingerprint sensor 130 and the fingerprint sensor 130 to the card reader 40 may need to be provided in the IC card 100.

2) Password authentication means

Authentication using a password differs only in that the fingerprint information is replaced with a password. When the IC card 100 is issued, the password is registered in advance as the standard authentication information. When the IC card 100 is used, the password is entered and the password is registered in advance. The procedure for authenticating a user by checking whether the matches are the same as using a fingerprint.

The password authentication means installed in the IC card 100 includes a password input unit 130-1 instead of the fingerprint sensor 130. The authentication information storage unit 530 and the user authentication unit 540 are configured to function as a password storage unit and a password authentication unit, respectively. In the case of using the fingerprint and password at the same time as the authentication information, the fingerprint sensor 130 and the password input unit 130-1 are provided together, and the authentication information storage unit 530 and the user authentication unit 540, respectively, the fingerprint authentication It is configured to have both a function and a password authentication function.

The password input unit 130-1 may be configured with numeric keys and reset keys for inputting numbers. The password functioning as the standard authentication information may be locally registered using the password input unit 130-1. That is, the user first presses the reset key and then enters the first password using the password input unit 130-1 to be stored in the authentication information storage unit 530 as reference authentication information. Of course, at the time of card issuance, the password set by the card company system may be registered as reference authentication information in the authentication information storage unit 530 through the card issuer 600. When the IC card 100 is used, a password input by the user through the password input unit 130-1 for user authentication is provided to the user authentication unit 540. The post-processing procedure of the user authentication unit 540 compares the password stored in the authentication information storage unit 530 with the password provided from the password input unit 130-1 and determines whether to authenticate the user. Same as the post-processing procedure of authentication used.

(5) LED lamp 150-means provided for allowing the user to visually check whether his or her fingerprint or password has been authenticated, which is only one example of the usable status indicator. The usable state display means is not necessarily limited thereto, and the IC card 100 for the visually impaired person may adopt means using the hearing or the tactile sense instead of or in addition to the LED lamp 150.

(6) Magnetic transmitter 110-serves to transmit the card information to the magnetic information so that the magnetic head 50 of the magnetic card reader 40 can be detected. That is, the card information is transmitted as the magnetic information by causing the magnetic drive current to flow to generate a time-varying magnet corresponding to the polarity change of the magnetic drive current at a point corresponding to the position of the tracks defined in the standard for the magnetic stripe card. A more detailed description thereof will be described later.

(7) Information transmission control unit 550-Reads the card information stored in the card information storage unit 510 converts the information into instantaneous changing current information and converts the current information into the magnetic current drive circuit 570 To be provided sequentially. In this case, in the case of a magnetic strip having several magnetic tracks, each track information is converted into current information at the same time. The provision of the current information to the magnetic current drive circuit 570 is that the IC card 100 is inserted into the card reader 40 so that the magnetic head 110 of the IC card 100 and the magnetic head of the card reader 40 ( 50) takes place at the moment of magnetic coupling. This magnetic coupling is obtained when the position of the magnetic transmission unit 110 and the position of the magnetic head 50 are aligned. The alignment between the magnetic head 50 and the magnetic transmitter 110 is confirmed by the magnetic header 50 alignment detection signal of the cardinal device 40 provided by the impedance measuring unit 560. The information transmission control unit 550 can determine the relative position between the magnetic head 50 and the magnetic transmission unit 110 from the alignment detection signal. For example, the information transmission control unit 550 determines that the magnetic head 50 of the card reader and the head of the magnetic transmission unit 110 are aligned when the measured impedance value falls within the set range, and confirms that both of them are aligned. When it is, the current information is sent to the magnetic current drive circuit 570 starts. In addition, when the use of the IC card 100 is configured to allow only the authenticated user, the information transmission control unit 550 controls the transmission of the card information is activated when the user authentication unit 200 provides the authentication signal.

(8) Impedance measuring unit 560-IC card 100 detects whether the magnetic head 50 of the card reader 40 and the head of the magnetic transmission unit 110 is aligned, and the alignment detection signal is transmitted to the information transmission control unit. It is necessary to provide alignment detection means provided to 550. The alignment detecting means may be implemented as an impedance measuring unit 560 for measuring the impedance of the magnetic transmission unit 110. The impedance measuring unit 560 measures the impedance of the magnetic transmitter 110 from the moment when the fingerprint authentication is valid, and detects the instant when the magnetic head 50 of the card reader 40 matches the head of the magnetic transmitter 110. To this end, the impedance measuring unit 560 flows a current through the magnetic transmitting unit 110 to measure the impedance of the magnetic transmitting unit 110. At this time, it is preferable that the frequency of the current used is sufficiently higher than 10 kHz, which is the bandwidth of the magnetic drive current output by the magnetic current drive circuit 570, in order to prevent an error of the card reader 40. Position alignment between the magnetic head 50 and the magnetic transmitter 110 is detected by detecting a variation in the impedance measurement result of the magnetic transmitter 110. That is, since the magnetic head 50 is a magnetic material, the impedance of the head of the magnetic transmission unit 110 increases as it approaches (may decrease depending on the type of the magnetic material), in particular, the magnetic head 50 is a magnetic transmission unit. When aligned with 110, the impedance is greatly increased. The impedance measuring unit 560 detects a change in the impedance, converts it into an alignment detection signal corresponding thereto, and transmits the same to the information transmission control unit 550.

(9) Magnetic current driving circuit 570-Converts a pulse signal provided from the information transmission control unit 570 into a magnetic driving current in the form of an analog signal required for driving the magnetic transmission unit 110. For example, the current signal can be generated in such a manner that the polarity of the self-driving current is changed in response to the amplitude of the pulse signal being changed (rising edge and falling edge). In addition, this magnetic drive current needs to be amplified to a current of a magnitude necessary to cause sufficient magnetic information to be induced in the magnetic head 50 of the card reader. Since the magnetic current driving circuit 570 functions as a current source i (t) for the magnetic transmission unit 110, impedance matching with the low pass filter 580, the magnetic transmission unit 110, and the magnetic head 50 of the card reader is performed. By doing this, the maximum magnetic signal is induced in the magnetic transmitter 110. The magnetic current drive circuit 570 is preferably designed to have a bandwidth of approximately 10 kHz, considering the amount of bit information of the magnetic strip which is at most 600 bits per track and the maximum moving speed of the card.

(10) Low pass filter 580-The magnetic driving current provided by the magnetic current driving circuit 57 is transmitted to the magnetic transmission unit 110 through the low pass filter 580. The low pass filter 580 is positioned between the magnetic current driving circuit 57 and the magnetic transmission unit 110 so that the magnetic current driving circuit 570 is shielded from the high frequency component of the impedance measuring unit 560.

(11) Battery 140—Use a disposable battery or secondary battery. In the case of a secondary battery, charging by an electrode or charging by magnetic coil is possible. When the battery 140 is implemented as a secondary battery, a charging circuit is separately required. Since the charging method, the charging circuit, etc. of a secondary battery are generally known widely, the description is abbreviate | omitted here.

On the other hand, card issuer connection unit 520, card information storage unit 510, user authentication means (fingerprint sensor 130, authentication information storage unit 530, user authentication unit 540), information transmission control unit 550 The digital circuit unit 500, the impedance measuring unit 560, the magnetic current driving circuit 570, the low pass filter 580, and the charging circuit of the battery 140 are analog circuit units. The digital circuit unit may be implemented as a single chip or ASIC chip such as a CPU or a microprocessor. In this case, the analog circuit unit is implemented as a separate analog circuit. The digital circuit unit and the analog circuit unit may be implemented in an ASIC, in which case the digital circuit unit and the analog circuit unit may be integrated into a single ASIC chip.

5 shows a schematic layout of the virtual magnetic stripe type IC card 100. In the drawing, reference numeral 120 denotes the sum of the analog circuit unit and the digital circuit unit. For example, the battery 140, the magnetic transmission unit 110, the analog circuit unit and the digital circuit unit are embedded in the plastic substrate 160, and the fingerprint sensor 130 and the LED lamp 150 are installed to be exposed to the outside of the substrate 160. do. According to this arrangement, the virtual magnetic strip 116 having a concept similar to that in which the magnetic strip is arranged is present at the lower end of the IC card 100 by the magnetic circuit formed by the magnetic transmission unit 110. Of course, the virtual magnetic strip 116 is not physically present.

Next, FIGS. 6 to 9 show various preferred embodiments of the magnetic transmitter 110.

First, FIG. 6 illustrates a magnetic transmitter 110a in which the magnetic transmitter 110 is implemented with a magnetic coil 112. This is the simplest implementation of the magnetic transmitter 110 among the presented embodiments. Three magnetic coils 112, which are wound several to several times with very thin copper wires, are arranged in a line at a position corresponding to each track of the magnetic strip of the predetermined area of the card substrate 160, for example. One magnetic head 50 is provided for each of the three tracks of the magnetic stripe card 10, so that the three magnetic coils 112 are arranged for alignment between the three magnetic coils 112 and the three magnetic heads 50. The separation interval of is equal to that of three magnetic heads corresponding to each track. 10 shows the position and size of the magnetic coil when it is located side by side with the magnetic sensor core (inside the magnetic coil 52) of the magnetic head 50 of the card reader. The inner diameter of the magnetic coil 112 is the same size as the outer diameter of the magnetic sensor core, when the outer diameter is made the same size as the inner diameter of the sensor case magnetic material surrounding the magnetic sensor core, efficiency is optimized. The design of the magnetic transmission unit 110a can expect the best efficiency, but considering the thickness of the credit card is generally used 0.8 mm, the thickness of the magnetic coil 112 is limited. Each of these magnetic coils 112 is connected to a magnetic current drive circuit 570 via a current source i (t), that is, a low pass filter 580.

A method of transferring information to the magnetic head 50 by the magnetic transmitter 110a will be described with reference to FIG. 10. When the magnetic current driving circuit 570 provides a magnetic driving current corresponding to the corresponding information based on the card information stored in the card information storage unit 510 for each coil 112 of the magnetic transmission unit 110a, The coil 112 induces a magnetic field by generating a magnetic signal in which magnetism is sequentially changed in response to the information. At this time, if the magnetic head 50 of the card reader 40 and each of the coils 112 of the magnetic transmission unit 110a are aligned as shown in the enlarged view "A" of FIG. 6, the magnetic coil 112 is The magnetic force line 219 of the time-varying magnetic field to generate is connected with the coil 52 of the magnetic head 50 to induce a time-varying current to the coil 52, and the card reader 40 detects the time-varying current to form an IC card. Information of 100 can be read. For example, the card information storage unit 510 stores information for each track determined according to the standard (ISO7811 / 2-1985) of information recording on magnetic stripe cards, and the digital data values " 0 " and " 1 " Is converted into, for example, a pulse signal by the information transmission control unit 550, and this pulse signal is converted into a magnetic drive current in the form of an analog signal corresponding by the magnetic current drive circuit 570. FIG. At this time, the magnetic drive current causes the polarity to be inverted according to the value of the pulse signal provided by the information transmission control unit 550, so that the order of change of the magnetic appearing in the head ("A" portion) of the magnetic transmission unit 110a is described above. The polarity change order of the magnetic drive current is matched.

FIG. 7 shows a second embodiment of the magnetic transmitter 110. The magnetic transmitter 110b includes three magnetic generating coils 212 and each of the magnetic generating coils 212, which are separately connected to the magnetic current driving circuit 570, respectively. It has three magnetic material magnetic circuits 214 in a stripline that passes through the interior of a substantially oval shape. Magnetic material Magnetic circuit 214 is preferably made of ferromagnetic material to induce more lines of magnetic force. The magnetic material magnetic circuit 214 does not completely close and forms an ellipse that is approximately as large as the size of the magnetic sensor core of the magnetic head 50. That is, the open portion of the magnetic circuit 214 of the magnetic transmission unit 110b. The left end of the head is a straight stripline 214a, whereas the right end facing the straight stripline 214b is connected to the end of the straight stripline with the mouth open, and the left stripline 214a is right. It is arranged in the shape of slightly entering into the mouth of the "⊃" type stripline 214b. As in the case of FIG. 6, for alignment between the three heads of the magnetic material magnetic circuit 214 and the three magnetic heads 50, the spacing of the three heads of these magnetic material magnetic circuits 214 is three magnetic. Equal to the spacing of the heads.

FIG. 8 is a third embodiment of the magnetic transmission unit 110, in which the magnetic material magnetic circuit 214 of FIG. 7 is slightly modified. The magnetic material magnetic circuit according to this embodiment consists of three approximately semi-elliptic striplines 314a, including the portion penetrating the magnetic generating coil 212, while the other right half has three strips. It differs from the case of FIG. 7 in that the line 314a is composed of one "⊃" shaped common strip line 314b having a width slightly wider than the width at which it is disposed. When half of the magnetic circuit is made into the common strip line 314b as described above, the area of the magnetic circuit in contact with the case of the magnetic head 50 is enlarged, so that the effective magnetic flux of the magnetic head 50 can be improved. As compared with the case of implementing three strip lines as shown in FIG. 7, there is an advantage of weakening the problem of cross-talk between each strip line. In addition, the end of one "⊃" shaped common strip line 314b facing the ends of the three strip lines 314a is the same as the case of FIG. 318 is formed and placed in the groove 318 with the end of each stripline 314a slightly entering.

FIG. 9 is a fourth embodiment of the magnetic transmitter 110, and both ends of an open portion (“D” portion) of the magnetic material magnetic circuit 414 are compared with the magnetic transmitter 110b shown in FIG. 7. The only difference is that they are terminated by straight striplines 414a and 414b. An embodiment in which this embodiment is mixed with the embodiment of FIG. 7 is also possible. That is, for example, in FIG. 7, the stripline 214b on one side of the stripline 214 is a straight stripline instead of a “⊃” shape, but the length of the overlapping line to be described later with the stripline 214a facing it. It can also be configured to overlap.

An information transmission method to the magnetic head 50 by the magnetic transmitters 110b, 110c, and 110d will be described with reference to FIG. In order to read the IC card having the magnetic transmitters 110b, 110c, and 110d of FIGS. 7 to 9 into the magnetic head 50 of the card reader 40 for the conventional magnetic stripe card, as shown in FIG. The heads ("B", "C", "D") of the magnetic material magnetic circuits 214, 314, and 414 generated must be aligned with the magnetic sensor core (inside the magnetic coil 52). Referring to the process of reading the information of the IC card using the example of FIG. 7 as an example, the magnetic current driving circuit 570 generates a magnetic driving current corresponding to the corresponding information for each magnetic generating coil 212 of the magnetic transmitting unit 110b. If provided, each magnetic generating coil 212 generates a magnetic signal in which the magnets are sequentially changed in response to the information, and a substantial portion of the generated magnetic signal follows the magnetic material magnetic circuit 214 penetrating therein. Will proceed. The line of magnetic force traveling along the magnetic material magnetic circuit 214 is a straight stripline 214a and a "스트립" shaped stripline 214b as shown in the head ("B" portion in FIG. 7) of the magnetic transmission unit 110b. The time-varying magnetic field is formed between When the stripline 214b is shaped like this, it is possible to reduce the loss of the line of magnetic force as compared to FIG. 6, thereby increasing the detection capability of the magnetic head 50. As shown in FIG. 7B, when the magnetic sensor core of the magnetic head 50 and the head of the magnetic material magnetic circuit 214 of the magnetic transmission unit 110b are aligned, as in the first embodiment of FIG. 6. Since the current corresponding to the information of the IC card 100 is induced in the coil 52 of the magnetic head 50, the card reader 40 can read the information of the IC card 100.

8 and 9, the magnetic head 50 is aligned with the heads (C portion of FIG. 8 and “D” portion of FIG. 8) of the magnetic transmitters 110c and 110d. The principle of reading the information of the IC card 100 from the magnetic fluxes 319 and 119 generated at the head of 110d) is the same as in the case of FIG.

In the above description, in the case of the conventional magnetic strip card 10, the information stored in the track of the magnetic strip by moving the card 10 is scanned by the magnetic head 50. The temporal change of the N pole and the S pole read by the magnetic head 50 by such track scanning is, in the case of the present invention, 'a magnetic drive current that changes with time in response to card information' (this is a magnetic current drive circuit. It can be seen that the same can be generated by applying 570) to the 'stopped' magnetic transmitter 110 aligned with the magnetic head 50. In other words, the present invention by inverting the polarity of the magnetic drive current applied to the magnetic transmission unit 100 at an appropriate time interval can achieve the same effect as inducing changes in the N pole and S pole while moving the card I use it. Here, the instantaneous polarity change of the magnetic driving current is generated based on the card information stored in the card information storage unit 510. Thereby, the IC card 100 of the present invention can generate instantaneous magnetic induction as if the magnetic strip card is moved to the magnetic head 50 of the existing card reader 40, and consequently the same information as the magnetic strip card. Can pass.

Meanwhile, in FIG. 7, the depth of the stripe line 214b, which is one end of the strip line 214, is sufficiently long, and the straight strip line 214a facing each other is placed deep therein. It is preferable that the overlapping intervals between the two cards be long enough to read all the card information by the magnetic head 50 of the card reader 40 when the IC card 100 is inserted into the card reader 40 and moved. Specifically, the overlapping section is preferably defined in the range of the width of the card moving direction of the core 56 of the magnetic head 50 (which is usually about 2 to 3 mm) or more and the length of the magnetic strip of the card. More preferably, about 1 to 2 cm is appropriate. Similarly, in FIG. 8, it is preferable to overlap the above-described reference between the straight stripline 314a and the groove 318 having a “⊃” shape formed at one end of the common stripline 314b. The length of the head ("B" in FIG. 7 and "C" in FIG. 8) of the magnetic transmission units 110b, 110c, and 110d that transmits the time-varying magnetic field corresponding to the card information is also increased when the length of overlap is sufficiently long. It will be longer. As a result, the IC card 100 is inserted into the card reader 40 so that the head of the magnetic transmitters 110b, 110c, and 110d has a sufficiently long contact time with the magnetic header 50 of the card reader 40. During the contact time, the magnetic header 50 of the card reader 40 can read all the card information of the IC card 100 of the time-varying magnetic field type transmitted from the heads of the magnetic transmitters 110b, 110c, and 110d. .

Next, the method and operation form of the IC card 100 according to the present invention will be described.

(1) When the card issuer employs a fingerprint authentication method to verify the identity of the card user, the IC card 100 extracts the fingerprint of the user and extracts data on the characteristics of the fingerprint to be used for fingerprint authentication. After storing in the authentication information storage unit 530 of 100, the IC card 100 is issued to the user. In the case of adopting a method other than fingerprint authentication as the identification method of the user, information for it may be stored in the information storage unit of the IC card 110.

(2) Before the card user who has issued the IC card 100 uses his IC card 100, first, the fingerprint is inputted to the fingerprint sensor 130 embedded in the card to confirm the user's identity.

(3) The user authentication unit 540 of the IC card 100 extracts data on the characteristics of the fingerprint from the fingerprint input to the fingerprint sensor 130, and then prints the fingerprint of the card holder stored in the authentication information storage unit 530. Compare the feature data with the correlation. As a result of the comparison, no action is taken if they differ. However, when the same fingerprint is determined, the user authentication unit 540 provides the information transmission control unit 550 with information confirming that the use of the card is authenticated, and at the same time, powers the LED lamp 150 to supply the LED 150. Turn on to indicate that the user's fingerprint verification has been successfully performed and that the current card can be used. After fingerprint authentication, the LED lamp 150 is kept on for a predetermined time (for example, 3 minutes), and during this time, the IC card 100 can be used. After that time, however, the card cannot be used.

(4) After fingerprint authentication, after the card becomes available, the information transmission control unit 550 checks the output terminal of the impedance measuring unit 560 so that the magnetic head 50 of the card reader 40 is the magnetic transmission unit 110. Keep an eye on the alignment with. When the user contacts the IC card 100 with the magnetic head 50 according to the usage during the monitoring, it is immediately confirmed that the alignment is made between the magnetic head 50 and the magnetic transmission unit 110, and the information transmission control unit 550. By converting the card information into the instantaneous changing current information to sequentially transfer to the magnetic current drive circuit 570 to generate a time-varying magnet in the magnetic transmission unit 110. This time-varying magnetism is generated in such a way that the magnetisms are changed in order so that the magnetic stripe cards are in the same order as the magnetism representing the information stored in the magnetic stripe card.

On the other hand, the physically one IC card 100 may be configured to logically function as a plurality of IC cards. In order to configure such a logical multiple IC card, the card information storage unit 510 stores information of a plurality of cards at the same time and selectively transmits the corresponding card information to the information transmission control unit 550 when authentication is performed for user specific authentication information. To be provided). In addition, the authentication information storage unit 530 registers basic authentication information distinguished for each card. For example, a number of different fingerprint information (or passwords) correspond to card information of different accounts for each fingerprint (or password), and authentication information is stored by assigning a serial number to each fingerprint information to distinguish each fingerprint information. Stored in the unit 530. In addition, the user authentication unit 540 finds fingerprint information in which the fingerprint information of the card user provided from the fingerprint sensor 130 is recognized at a predetermined level of correlation among a plurality of fingerprint information stored in the authentication information storage unit 530. The serial number of the fingerprint information is transmitted to the information transmission control unit 550. In the case of a password, it is checked whether the password entered by the card user matches the password stored in the authentication information storage unit 530. The card information of the other account corresponding to each fingerprint (or password) can be authenticated for use. When a plurality of fingerprints are stored in one IC card 100 in this way, the card is physically one card, but can logically function as several cards.

It is also possible to provide an input function of fingerprint information or a password to the card reader 40 and to authenticate the user using the same. In this case, the IC card 100 may not be provided with a separate fingerprint sensor 130 or a password input unit 130-1.

The foregoing descriptions are merely preferred embodiments of the present invention, and those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the present invention as set forth in the claims below. Can be. Accordingly, all changes that come within the meaning or range of equivalency of the claims are to be embraced within their scope.

As described above, the IC card according to the present invention utilizes an already installed magnetic stripe card reader without having to install a separate card reader for the IC card while maintaining the convenience and security of the IC card. Has a great feature in that it can be read. This feature eliminates the need for extra costs to build an environment in which the IC card according to the invention can be used. Therefore, it is expected that the problem of delayed dissemination of IC cards due to the cost of installing a new card reader can be easily solved.

Claims (29)

It is a virtual magnetic stripe type IC card that can read card information with a card reader for magnetic stripe card, and is installed on the IC card substrate, A card information storage unit for storing card information provided by the card issuer of the IC card; An information sending control unit which reads the card information from the card information storing unit and outputs a pulse signal corresponding to the magnitude information of the value; A magnetic current driver for receiving the pulse signal from the information transmission controller and generating an analog type magnetic driving current corresponding to a change in the magnitude of the pulse signal; And The magnetic drive at the predetermined points corresponding to the positions of the tracks defined by the standard for the magnetic stripe card by flowing the magnetic drive current provided by the magnetic current driver in itself without permanently storing the card information in itself. And a magnetic transmitter for transmitting the time-varying magnet corresponding to the polarity change of the current so that the card information is read by the card reader. The card issuer connection unit of claim 1, further comprising a card issuer connection unit connected to the card issuer and providing an interface to the card issuer such as transferring the card information provided by the card issuer to the card information storage unit. IC card made. 2. The apparatus of claim 1, further comprising an alignment detection unit for detecting whether the magnetic head of the card reader is aligned with the head of the magnetic transmission unit, and providing an alignment detection signal to the information transmission control unit. And when the magnetic head of the card reader is aligned with the head of the magnetic transmitter through the alignment detection signal, output the pulse signal. 4. The magnetic detector of claim 3, wherein the alignment detecting unit is an impedance measuring unit measuring an impedance of the magnetic transmitting unit, and wherein the information transmitting control unit has a magnetic head of the card reader and the magnetic transmitting unit when the measured impedance value is within a set range. An IC card, characterized in that the head is judged to be aligned. The method according to any one of claims 1 to 4, which is installed on the IC card substrate, stores the standard authentication information of the owner of the IC card in advance by using a repository, and receives user authentication information from a card user when using the IC card. And a user authentication means for authenticating the use of the IC card by providing a user authentication signal only when the input is identical with the reference authentication information. The IC card according to claim 5, wherein the reference authentication information is at least one of fingerprint information and password. 6. The IC card of claim 5, wherein the card information storage unit and the user authentication unit each store a plurality of card information and a plurality of reference authentication information in a one-to-one correspondence with each other to physically store a plurality of IC cards in one IC card. The user authentication means compares the user authentication information input by the card user with the plurality of reference authentication information, and the user authentication signal for the card information corresponding to the reference authentication information that matches the user authentication information. IC card characterized in that the authentication of the use of the card by providing. 6. The apparatus of claim 5, wherein the user authentication means comprises: an authentication information storage unit for storing fingerprint information of the IC card holder as reference authentication information; A fingerprint sensor which collects the fingerprint of the IC card user and converts the fingerprint into digital fingerprint information; And receiving the fingerprint information as the user authentication information from the fingerprint sensor, receiving the reference authentication information from the authentication information storage unit, and comparing the user authentication information with the reference authentication information to match the user authentication signal. And a user authentication unit for providing the information transmission control unit, wherein the information transmission control unit outputs the pulse signal in response to an input of the user authentication signal to activate the IC card in a usable state. 6. The apparatus of claim 5, wherein the user authentication means comprises: an authentication information storage unit for storing a password set by the IC card owner as reference authentication information; A password input unit for allowing the IC card user to input a password; And receiving the password as user authentication information from the password input unit, receiving the reference authentication information from the authentication information storage unit, comparing the user authentication information with the reference authentication information, and confirming the user authentication. And a user authentication unit for providing a signal to the information transmission control unit, wherein the information transmission control unit outputs the pulse signal in response to an input of the user authentication signal to activate the IC card in a usable state. . The method of claim 8, wherein the reference authentication information stored in the authentication information storage unit as the reference authentication information is the first one fingerprint information of the IC card owner or the first two times of the IC card owner collected from the fingerprint sensor after the IC card is reset. Determining whether the above fingerprint information is matched, the representative fingerprint information selected from the matching fingerprint information, or that the card issuer is extracted from the IC card issuing company is the fingerprint information of the IC card owner provided through the card issuer connection portion IC card characterized. 6. The IC card according to claim 5, further comprising an LED lamp which is turned on for a predetermined time by a control signal provided by the user authentication means when the use of the IC card is authenticated. The magnetic current driving circuit of claim 1, wherein the magnetic current driving unit receives the pulse signal from the information transmission control unit and outputs an analog-type magnetic driving current whose polarity is changed in response to a level change of the pulse signal. ; And a low pass filter connected between the magnetic current driving circuit and the magnetic transmission unit to transfer the magnetic driving current to the magnetic transmission unit. The IC card according to claim 1, further comprising a battery for providing power required by each component of the IC card. The magnetic transmission unit of claim 1, wherein the magnetic transfer unit includes magnetic coils corresponding to the number of tracks respectively disposed at the predetermined points within the card substrate, and each arm of each of the magnetic coils is separately provided at an output end of the magnetic current driver. IC card, characterized in that connected. The electronic device of claim 1, wherein the magnetic transfer unit comprises: a magnetic generating coil disposed at a predetermined position of the card substrate corresponding to the number of tracks; And a strip line penetrates the inside of each of the plurality of magnetic generating coils, and each strip line extends to the vicinity of the predetermined point while drawing a substantially circular, elliptical or polygonal shape so as not to cross each other, and both ends of each strip line are formed at the predetermined point. It includes a magnetic material magnetic circuit corresponding to the number of the tracks, which is spaced by a predetermined interval and the time-varying magnets are transmitted through this, wherein each arm of each of the magnetic generating coils is separately connected to an output terminal of the magnetic current driver. IC card characterized in that. 16. The circuit of claim 15, wherein one end of the open portion of each of the magnetic material magnetic circuits terminates in a "⊃" shaped stripline and the opposite end is spaced slightly apart facing the "⊃" shaped stripline. An IC card characterized by terminating in a straight stripline arranged. The magnetic generating unit of claim 1, wherein the magnetic transfer unit comprises: magnetic generating coils disposed at a predetermined position on the card substrate corresponding to the number of tracks; And a plurality of first strip lines including portions penetrating through the magnetic generating coils, the half corresponding to the number of the tracks being semi-circular or semi-elliptical, and the other half having the width in which the first strip lines are disposed. And a second common stripline of semicircular or semi-elliptic shape having a width greater than or equal to each other, wherein the first stripline and the second common stripline face each other to form a circular or elliptical shape. One end is connected to one end of the second common stripline and the other end is spaced apart from the other end of the second common stripline by a predetermined distance from the predetermined point, through which the time-varying magnet is configured to send out An IC card comprising a material magnetic circuit. 18. The method of claim 17, wherein the opposite end portion of the second common stripline is provided with three "⊃" shaped grooves in the position facing the end of the first stripline, each end of each of the first stripline The IC card, characterized in that spaced apart slightly facing the "⊃" shaped groove. 19. The IC card according to any one of claims 14 to 18, wherein the predetermined point is three points at specific positions of each of three tracks arranged in parallel at predetermined intervals. 20. The IC card according to claim 19, wherein an arrangement interval of the three points is the same as an arrangement interval of three magnetic heads of the card reader. 19. The magnetic material of claim 16 or 18, wherein both ends of the magnetic material magnetic circuit facing each other are disposed to overlap each other by a predetermined length, and the overlapping length is equal to or greater than the width of the card moving direction of the core of the magnetic head of the card reader. An IC card, characterized in that determined in the range below the magnetic stripe length of the IC card. It is a virtual magnetic stripe type IC card that can read card information with a card reader for magnetic stripe card, and is installed on the IC card substrate, A card information storage unit for storing card information provided by the card issuer of the IC card; A card issuer connection unit connected to the card issuer and providing an interface to the card issuer such as transferring the card information provided by the card issuer to the card information storage unit; In response to the user authentication signal input, when an alignment detection signal for confirming that the magnetic head of the card reader is aligned with the head of the following magnetic transmission unit is read, the card information is read from the card information storage unit and the magnitude of the value is read. An information transmission control unit outputting a pulse signal corresponding to the information; It is installed on the IC card board, and stores the standard authentication information of the owner of the IC card in advance by using the storage device, and receives the user authentication information from the card user when the IC card is used, and the user only matches the standard authentication information. User authentication means for authenticating the use of the IC card by providing an authentication signal to the information transmission control unit; A magnetic current driver for receiving the pulse signal from the information transmission controller and generating an analog type magnetic driving current corresponding to a change in the magnitude of the pulse signal; By flowing the magnetic drive current, a time-varying magnet corresponding to a change in polarity of the magnetic drive current is transmitted at predetermined points corresponding to the positions of the tracks defined by the magnetic stripe card standard so that the card information is transferred to the card reader. A magnetic transmission unit to be read by; And And an alignment detection unit for detecting whether the magnetic head of the card reader is aligned with the head of the magnetic transmission unit and providing the alignment detection signal to the information transmission control unit. 23. The IC card of claim 22, wherein the card information storage unit and the user authentication unit each store a plurality of card information and a plurality of reference authentication information in a one-to-one correspondence with each other to physically store a plurality of IC cards in one IC card. The user authentication means compares the user authentication information input by the card user with the plurality of reference authentication information, and the user authentication signal for the card information corresponding to the reference authentication information that matches the user authentication information. IC card characterized in that to provide. 23. The apparatus of claim 22, wherein the magnetic transfer unit includes magnetic coils corresponding to the number of tracks disposed at the predetermined points in the card substrate, and each arm of each of the magnetic coils is separately provided at an output end of the magnetic current driver. IC card, characterized in that connected. 23. The apparatus of claim 22, wherein the magnetic transfer unit comprises: a magnetic generating coil disposed at a predetermined position of the card substrate corresponding to the number of tracks; And a strip line penetrates the inside of each of the plurality of magnetic generating coils, and each strip line extends to the vicinity of the predetermined point while drawing a substantially circular, elliptical or polygonal shape so as not to cross each other, and both ends of each strip line are formed at the predetermined point. It includes a magnetic material magnetic circuit corresponding to the number of the tracks, which is spaced by a predetermined interval and the time-varying magnets are transmitted through this, wherein each arm of each of the magnetic generating coils is separately connected to an output terminal of the magnetic current driver. IC card characterized in that. 26. The device of claim 25, wherein one end of the open portion of each of the magnetic material magnetic circuits terminates in a "⊃" shaped stripline and the opposite end slightly enters the inlet of the "⊃" shaped stripline. An IC card, terminated by a straight stripline. 23. The apparatus of claim 22, wherein the magnetic transfer unit comprises: magnetic generating coils disposed at a predetermined position on the card substrate corresponding to the number of tracks; And a plurality of first strip lines including portions penetrating through the magnetic generating coils, the half corresponding to the number of the tracks being semi-circular or semi-elliptical, and the other half having the width in which the first strip lines are disposed. And a second common stripline of semicircular or semi-elliptic shape having a width greater than or equal to each other, wherein the first stripline and the second common stripline face each other to form a circular or elliptical shape. One end is connected to one end of the second common stripline and the other end is spaced apart from the other end of the second common stripline by a predetermined distance from the predetermined point, through which the time-varying magnet is configured to send out An IC card comprising a material magnetic circuit. 28. The method of claim 27, wherein the opposite end portion of the second common stripline is provided with three “⊃” shaped grooves at positions facing the end of the first stripline, each end portion of each of the first striplines The IC card, characterized in that spaced apart slightly facing the "⊃" shaped groove. 23. The apparatus of claim 22, further comprising: a battery for providing power required by each component of the IC card; And an LED lamp which is turned on for a predetermined time by a control signal provided by the user authentication means when the use of the IC card is authenticated.

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