KR101226611B1 - Security card device - Google Patents

Security card device Download PDF

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Publication number
KR101226611B1
KR101226611B1 KR1020120129109A KR20120129109A KR101226611B1 KR 101226611 B1 KR101226611 B1 KR 101226611B1 KR 1020120129109 A KR1020120129109 A KR 1020120129109A KR 20120129109 A KR20120129109 A KR 20120129109A KR 101226611 B1 KR101226611 B1 KR 101226611B1
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South Korea
Prior art keywords
security
chip
card
nfc chip
mobile phone
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KR1020120129109A
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Korean (ko)
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정균태
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주식회사 미래테크놀로지
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Priority to KR1020120129109A priority Critical patent/KR101226611B1/en
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Publication of KR101226611B1 publication Critical patent/KR101226611B1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0701—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management
    • G06K19/0712—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement being capable of triggering distinct operating modes or functions dependent on the strength of an energy or interrogation field in the proximity of the record carrier
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
    • G06K7/10297—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
    • G06K7/10366—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the interrogation device being adapted for miscellaneous applications
    • G06K7/10376—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the interrogation device being adapted for miscellaneous applications the interrogation device being adapted for being moveable
    • G06K7/10386—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the interrogation device being adapted for miscellaneous applications the interrogation device being adapted for being moveable the interrogation device being of the portable or hand-handheld type, e.g. incorporated in ubiquitous hand-held devices such as PDA or mobile phone, or in the form of a portable dedicated RFID reader
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3228—One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key

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  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Health & Medical Sciences (AREA)
  • Toxicology (AREA)
  • Theoretical Computer Science (AREA)
  • Electromagnetism (AREA)
  • General Physics & Mathematics (AREA)
  • Artificial Intelligence (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • General Health & Medical Sciences (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Hardware Design (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Signal Processing (AREA)
  • Telephone Function (AREA)

Abstract

PURPOSE: A security card device including a mobile phone with an NFC(Near Field Communication) chip is provided to reduce the risk of hacking by including a security code in the security card. CONSTITUTION: An NFC chip(11) is connected with a loop antenna(15) and senses a near security card(2). A phone OS unit(12) controls the whole operation of a mobile phone. A security application(13) is activated when the security card is sensed by the NFC chip. The security application transmits a security code request signal to the security card through the NFC chip and outputs the security code request signal through a display unit(14). The security card is formed into a card shape and includes an IC chip(21). The IC chip is activated by receiving power from a magnetic field generated in the loop antenna and transmits an operating signal to the NFC chip. [Reference numerals] (11) NFC chip; (12) Phone OS unit; (13) Security application; (14) Display unit; (21) IC chip; (AA) Security code request; (BB) Security code

Description

엔에프씨 칩이 내장된 핸드폰을 이용한 보안카드장치{Security card device}Security card device using cell phone embedded with NFC chip {Security card device}

본 발명은 NFC 칩이 내장된 핸드폰을 이용한 보안카드장치에 관한 것으로서, 더욱 상세하게는 근거리 통신용 NFC 칩과 보안코드출력용 보안 앱이 장착된 핸드폰과, 핸드폰에 근접되었을때 NFC 칩의 루프안테나에서 발생되는 자기장으로 전원을 공급받아 활성화되어 보안코드를 전송하는 IC칩이 장착된 보안카드로 구성하므로서, 보안코드를 보안카드에 내장시킴에 따라 해킹의 위험으로 부터 벗어날 수 있으며, 보안카드에 별도의 밧데리를 내장시키지 않아도되고, 보안카드를 휴대폰에 밀착시키는 것으로 자동으로 휴대폰에 탑재된 보안 앱이 동작하여 보안카드에서 전송된 보안코드번호를 화면 출력하므로 조작이 매우 간편해진 NFC 칩이 내장된 핸드폰을 이용한 보안카드장치에 관한 것이다.
The present invention relates to a security card device using a mobile phone with a built-in NFC chip, and more particularly, a mobile phone equipped with a NFC app for short-range communication and a security code output security code, and generated in a loop antenna of the NFC chip when approaching the mobile phone. It consists of a security card equipped with an IC chip that is powered by a magnetic field that is activated and transmits a security code.By embedding the security code in the security card, it can escape from the risk of hacking. There is no built-in, by attaching the security card to the mobile phone automatically security app mounted on the mobile phone is activated by outputting the security code number sent from the security card screen using a mobile phone with a built-in NFC chip is very easy to operate It relates to a security card device.

일반적으로 보안코드가 인쇄된 보안카드는 금융거래시 사용자를 인증하기 위해 사용되고 있으며, OTP(One Time Password)는 일회용 비밀번호 발생기를 뜻하는 것으로 금융거래, 전자상거래, 소액결재, 시스템인증 등 다양한 분야에서 사용자를 인증하는 용도로 널리 활용되고 있다.In general, a security card printed with a security code is used to authenticate a user during a financial transaction. One time password (OTP) refers to a one-time password generator, and is used in various fields such as financial transactions, e-commerce, micropayment, and system authentication. It is widely used for authenticating users.

보안카드는 일련번호와 그에 대응하는 보안코드가 짝을 이루도록 인쇄된 것으로, 사용자가 전자상거래시 보안용으로 사용하는 것이나, 보안코드가 보안카드에 인쇄된 것이기 때문에 보안카드를 분실할경우 중요한 인증정보가 노출되는 것이어서 보안성이 취약한 문제점이 발생하고 있었다.The security card is printed so that the serial number and the corresponding security code are paired. It is used by the user for security purposes in electronic commerce, or because the security code is printed on the security card. Was exposed to the problem that the security was weak.

또한, OTP 번호를 발생하는 수단으로는 별도의 OTP발생용 토큰을 사용하거나 아니면 핸드폰에 탑재된 OTP 발생기를 작동시켜 OTP를 생성하도록 하고 있다.Also, as a means for generating an OTP number, a separate OTP generation token is used or an OTP generator mounted in a mobile phone is operated to generate an OTP.

OTP 발생용 토큰은 밧데리가 내장된 별도의 장비를 사용자가 휴대하고 다니면서 인증이 필요할 때 OTP 발생용 토큰을 작동시켜 OTP번호를 입력하는 것이고, 휴대폰에 탑재된 OTP 발생기를 사용하는 것은 휴대폰에 프로그램적으로 탑재된 OTP 발생기 또는 휴대폰에 탑재된 유심칩에 OTP 발생 프로그램을 내장시켜 OTP 번호를 발생시키고, 그 발생된 OTP번호를 휴대폰 화면에 출력시키는 것이다.The OTP generation token is to enter the OTP number by operating the OTP generation token when the user carries a separate device with a built-in battery and requires authentication, and using the OTP generator installed in the mobile phone is programmatic to the mobile phone. The OTP number is generated by embedding the OTP generation program in the mounted OTP generator or the SIM chip mounted in the mobile phone, and outputs the generated OTP number on the screen of the mobile phone.

그러나, OTP 토큰은 구동용 밧데리와 OTP 번호의 출력을 위한 표시수단을 구비해야만 하므로 OTP토큰의 부피가 커지고 휴대가 불편해지는 문제점이 있었으며, OTP 토큰의 작동을 위해 사용자가 필수적으로 버튼 조작을 수행해야만 하는 문제점이 발생하고 있었다.However, since the OTP token has to have a driving battery and a display means for outputting the OTP number, there is a problem in that the volume of the OTP token becomes large and the portability is inconvenient, and a user must perform a button operation for the operation of the OTP token. There was a problem.

또한, 휴대폰에 탑재되는 OTP 발생기는 휴대폰이 해킹에 취약함에 따라 OTP 발생용 정보가 유출되는 문제점이 발생하고 있었다.
In addition, the OTP generator mounted on the mobile phone has a problem that OTP generation information is leaked as the mobile phone is vulnerable to hacking.

따라서, 상기 문제점을 해결하기 위한 본 발명은 근거리 통신용 NFC 칩과 보안코드출력용 보안 앱이 장착된 핸드폰과, 핸드폰에 근접되었을때 NFC 칩의 루프안테나에서 발생되는 자기장으로 전원을 공급받아 활성화되어 보안코드를 전송하는 IC칩이 장착된 보안카드로 구성하므로서, 보안코드를 보안카드에 내장시킴에 따라 해킹의 위험으로 부터 벗어날 수 있으며, 보안카드에 별도의 밧데리를 내장시키지 않아도되고, 보안카드를 휴대폰에 밀착시키는 것으로 자동으로 휴대폰에 탑재된 보안 앱이 동작하여 보안카드에서 전송된 보안코드번호를 화면 출력하므로 조작이 매우 간편해진 NFC 칩이 내장된 핸드폰을 이용한 보안카드장치를 제공함을 목적으로 한다.
Therefore, the present invention for solving the problem is a mobile phone equipped with a NFC app for short-range communication and a security app for security code output, and is activated by receiving power from a magnetic field generated from a loop antenna of the NFC chip when the mobile phone is in proximity to the mobile phone. It consists of a security card equipped with an IC chip that transmits the security code, so that the security code can be embedded in the security card, thereby avoiding the risk of hacking, and there is no need to install a separate battery in the security card. Its purpose is to provide a security card device using a mobile phone with built-in NFC chip, which is very easy to operate because it automatically outputs the security code number transmitted from the security card by automatically operating the security app mounted on the mobile phone.

상기 목적달성을 위한 본 발명은 In order to achieve the above object,

근거리 무선 송수신용 루프안테나(15)가 연결되고, 근접한 보안카드(2)를 감지하는 NFC 칩(11)과; 핸드폰(1)의 전체적인 동작을 제어하는 폰 OS부(12)와; NFC 칩(11)에 의해 보안카드(2)가 감지되었을때 활성화되고, 보안코드요청신호를 NFC 칩(11)을 통해 보안카드(2)로 전송하며, 보안카드(2)로 부터 전송된 보안코드를 표시부(14)를 통해 화면 출력하는 보안 앱(13)과; 휴대폰(1)의 작동상태를 화면 출력하는 표시부(14); 로 구성된 휴대폰(1)과;An NFC chip 11 to which a loop antenna 15 for short-range wireless transmission and reception is connected and detects an adjacent security card 2; A phone OS unit 12 for controlling the overall operation of the mobile phone 1; It is activated when the security card 2 is detected by the NFC chip 11, and transmits the security code request signal to the security card 2 through the NFC chip 11, the security transmitted from the security card (2) A security app 13 for outputting the code through the display unit 14; A display unit 14 for screen outputting an operating state of the mobile phone 1; A mobile phone 1 composed of;

카드 형태로 형성되고, 휴대폰(1)에 근접되었을 때 루프안테나(15)에서 발생된 자기장으로 부터 전원을 공급받아 활성화되어 동작신호를 NFC 칩(11)으로 전송하고, 보안 앱(13)으로 부터 전송된 보안코드요청신호에 따라 자체 저장되어 있는 보안코드를 NFC 칩(11)으로 근거리 전송하는 IC 칩(21)이 장착되어 있는 보안카드(2); 로 구성한 것을 특징으로 한다.
Is formed in the form of a card, when the proximity to the mobile phone 1 is supplied with power from the magnetic field generated in the loop antenna 15 is activated to transmit the operation signal to the NFC chip 11, from the security app 13 A security card (2) equipped with an IC chip (21) for transmitting the security code stored therein in close proximity to the NFC chip (11) according to the transmitted security code request signal; .

본 발명에 의하면, 보안코드를 보안카드에 내장시킴에 따라 해킹의 위험으로 부터 벗어날 수 있으며, 보안카드에 별도의 밧데리를 내장시키지 않아도되고, 보안카드를 휴대폰에 밀착시키는 것으로 자동으로 휴대폰에 탑재된 보안 앱이 동작하여 보안카드에서 전송된 보안코드번호를 화면 출력하므로 조작이 매우 간편해지는 효과를 기대할 수 있다.
According to the present invention, it is possible to escape from the risk of hacking by embedding the security code in the security card, do not need to embed a separate battery in the security card, by mounting the security card in close contact with the mobile phone automatically The security app operates and outputs the security code number transmitted from the security card, so the operation can be expected to be very simple.

도 1 은 본 발명의 NFC 칩이 내장된 핸드폰을 이용한 OTP 발생장치를 보인 도면.
도 2 는 본 발명에 적용된 보안카드의 샘플을 보인 사진.
도 3 은 본 발명의 사용상태를 보인 도면.
도 4 는 본 발명의 다른 실시예를 보인 도면.
도 5 는 본 발명의 작동과정을 보인 플로우챠트.
도 6 은 본 발명의 다른 실시예의 작동과정을 보인 플로우챠트.
도 7 내지 도 9 는 본 발명의 작동상태를 예시한 사진.1 is a view showing an OTP generator using a mobile phone with a built-in NFC chip of the present invention.
Figure 2 is a photograph showing a sample of a security card applied to the present invention.
3 is a view showing a state of use of the present invention.
4 is a view showing another embodiment of the present invention.
5 is a flow chart showing the operation of the present invention.
6 is a flow chart showing the operation of another embodiment of the present invention.
7 to 9 are photographs illustrating the operating state of the present invention.

이하, 첨부된 도면 도 1 내지 도 9 를 참조하여 본 발명의 바람직한 실시예를 설명하면 다음과 같다.Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings, FIGS. 1 to 9.

상기 도면에 의하면, 본 발명은,According to the above drawings,

근거리 무선 송수신용 루프안테나(15)가 연결되고, 근접한 보안카드(2)를 감지하는 NFC 칩(11)과; 핸드폰(1)의 전체적인 동작을 제어하는 폰 OS부(12)와; NFC 칩(11)에 의해 보안카드(2)가 감지되었을때 활성화되고, 보안코드요청신호를 NFC 칩(11)을 통해 보안카드(2)로 전송하며, 보안카드(2)로 부터 전송된 보안코드를 표시부(14)를 통해 화면 출력하는 보안 앱(13)과; 휴대폰(1)의 작동상태를 화면 출력하는 표시부(14); 로 구성된 휴대폰(1)과;An NFC chip 11 to which a loop antenna 15 for short-range wireless transmission and reception is connected and detects an adjacent security card 2; A phone OS unit 12 for controlling the overall operation of the mobile phone 1; It is activated when the security card 2 is detected by the NFC chip 11, and transmits the security code request signal to the security card 2 through the NFC chip 11, the security transmitted from the security card (2) A security app 13 for outputting the code through the display unit 14; A display unit 14 for screen outputting an operating state of the mobile phone 1; A mobile phone 1 composed of;

카드 형태로 형성되고, 휴대폰(1)에 근접되었을 때 루프안테나(15)에서 발생된 자기장으로 부터 전원을 공급받아 활성화되어 동작신호를 NFC 칩(11)으로 전송하고, 보안 앱(13)으로 부터 전송된 보안코드요청신호에 따라 자체 저장되어 있는 보안코드를 NFC 칩(11)으로 근거리 전송하는 IC 칩(21)이 장착되어 있는 보안카드(2); 로 구성한 것을 특징으로 한다.Is formed in the form of a card, when the proximity to the mobile phone 1 is supplied with power from the magnetic field generated in the loop antenna 15 is activated to transmit the operation signal to the NFC chip 11, from the security app 13 A security card (2) equipped with an IC chip (21) for transmitting the security code stored therein in close proximity to the NFC chip (11) according to the transmitted security code request signal; Characterized in that configured.

상기 휴대폰(1)에는 NFC 칩(11), OS부(12), 보안 앱(13), 표시부(14)가 구성된다.The mobile phone 1 includes an NFC chip 11, an OS unit 12, a security app 13, and a display unit 14.

NFC 칩(11)은 루프안테나(15)가 연결되어 있어서 근거리 무선 송수신 기능을 갖고 있으며, 자체적으로 정보를 저장하고 연산이 가능한 것이다.NFC chip 11 has a short-range wireless transmission and reception function is connected to the loop antenna 15, it is possible to store information and calculate itself.

최근에는 NFC 칩(11)을 이용하여 소액결재, 버스요금 결재 등 다양한 기능을 구현하고 있다.Recently, the NFC chip 11 has implemented various functions such as micropayment and bus fare payment.

OS부(12)는 휴대폰(1)의 전반적인 동작을 총괄 제어하는 것으로, 휴대폰(1)을 이용한 통화, 데이터 송수신, 프로그램의 동작을 제어한다.The OS unit 12 controls the overall operation of the mobile phone 1, and controls the operation of the call, data transmission and reception, and the program using the mobile phone 1.

본 발명에서는 NFC 칩(11)이 보안카드(2)의 IC칩(21)을 감지했을 때 자동으로 보안 앱(13)을 동작시킨다.In the present invention, when the NFC chip 11 detects the IC chip 21 of the security card (2) automatically operates the security app (13).

상기 보안 앱(13)은 휴대폰(1) 내에 프로그램 형태로 탑재되고 OS부(12)에 의해 자동으로 활성화되고, 활성화 된 이후에는 보안코드의 출력을 위해 NFC 칩(11)과 IC칩(21)이 무선통신라인으로 연결되도록 한 후 IC칩(21)으로 보안코드를 요청하며, 보안코드가 수신되면 이를 표시부(14)를 통해 화면 출력한다.The security app 13 is mounted in the form of a program in the mobile phone 1 and automatically activated by the OS unit 12, after being activated NFC chip 11 and IC chip 21 for the output of the security code After allowing the wireless communication line to be connected, the IC chip 21 requests a security code, and when the security code is received, the screen is output through the display unit 14.

표시부(14)는 LCD 화면으로 휴대폰(1)의 작동상태를 화면 표시하고, 보안 앱(13)의 제어에 따라 OTP번호를 화면출력한다.The display unit 14 displays the operation state of the mobile phone 1 on the LCD screen, and outputs the OTP number under the control of the security app 13.

본 발명에 적용되는 보안카드(2)는 신용카드, 체크카드로 사용되는 공지의 금융거래용 카드(IC칩이 내장된 것)이거나 보안코드출력을 위해 카드형태로 별도 제작되는 것이다.The security card 2 applied to the present invention is a credit card, a credit card for a known financial transaction used as a check card (IC chip is embedded), or a separate card type for security code output.

보안카드(2)에 장착된 IC칩(21)에는 도 2 에 도시된 바와같은 보안코드표가 저장되는데, 보안코드표는 이미지파일로 저장되거나 아니면 보안코드표의 일련번호에 대응하는 각각의 코드번호가 데이타 형태로 저장될 수 있다.
In the IC chip 21 mounted on the security card 2, a security code table as shown in FIG. 2 is stored. The security code table is stored as an image file or each code number corresponding to the serial number of the security code table. Can be stored in the form of data.

이와같이 구성된 본 발명의 동작을 설명하면 다음과 같다.Referring to the operation of the present invention configured as described above is as follows.

도 3 과 같이 IC칩(21)이 장착된 보안카드(2)를 NFC 칩(11)이 탑재된 휴대폰(1)에 밀착시키면, NFC 칩(11)의 루프안테나(15)에서 발생된 자기장에 의해 IC칩(21)으로 전원이 공급되어 IC칩(21)이 활성화되고, IC칩(21)의 활성화된 상태를 NFC 칩(11)이 감지한다.As shown in FIG. 3, when the security card 2 equipped with the IC chip 21 is in close contact with the mobile phone 1 equipped with the NFC chip 11, the magnetic field generated by the loop antenna 15 of the NFC chip 11 may be attached. Power is supplied to the IC chip 21 to activate the IC chip 21, and the NFC chip 11 detects the activated state of the IC chip 21.

NFC 칩(11)에 의해 IC칩(21)이 감지되면 휴대폰(1)에 탑재된 폰 OS부(12)가 보안 앱(13)을 동작시킨다.When the IC chip 21 is detected by the NFC chip 11, the phone OS unit 12 mounted on the mobile phone 1 operates the security app 13.

보안 앱(13)은 동작한 후 NFC 칩(11)과 IC칩(21)을 무선통신라인으로 연결시키고, 보안코드요청신호를 NFC 칩(11)을 통해 IC칩(21)으로 전송한다.The security app 13 operates and connects the NFC chip 11 and the IC chip 21 to a wireless communication line, and transmits a security code request signal to the IC chip 21 through the NFC chip 11.

보안 앱(13)으로 부터 보안코드요청신호를 수신한 IC칩(21)은 자체저장되어 있는 보안코드를 NFC 칩(11)을 통해 보안 앱(13)으로 전송한다.The IC chip 21 receiving the security code request signal from the security app 13 transmits the security code stored therein to the security app 13 through the NFC chip 11.

보안 앱(13)은 IC칩(21)에서 전송된 보안코드를 표시부(14)를 통해 화면 출력하므로서, 사용자는 휴대폰(1)의 표시부(14)로 출력된 보안코드를 금융거래 및 소액결재, 또는 시스템 인증에 사용할 수 있게되는 것이다.
The security app 13 outputs the security code transmitted from the IC chip 21 through the display unit 14, so that the user outputs the security code output to the display unit 14 of the mobile phone 1 for financial transactions and micropayments, Or it can be used for system authentication.

한편, 도 4 는 본 발명의 다른 실시예를 도시한 것으로서, On the other hand, Figure 4 shows another embodiment of the present invention,

근거리 무선 송수신용 루프안테나(15)가 연결되고, 근접한 보안카드(2)를 감지하는 NFC 칩(11)과; 핸드폰(1)의 전체적인 동작을 제어하는 폰 OS부(12)와; NFC 칩(11)에 의해 보안카드(2)가 감지되었을때 활성화되어 사용자가 보안코드 또는 OTP번호를 선택할 수 있는 안내화면을 표시부(14)를 통해 화면출력하고, 사용자의 선택에 따라 보안코드요청신호 또는 OTP번호요청신호를 NFC 칩(11)을 통해 보안카드(2)로 전송하며, 보안카드(2)로 부터 전송된 보안코드 또는 OTP번호를 표시부(14)를 통해 화면 출력하는 보안 앱(13)과; 휴대폰(1)의 작동상태를 화면 출력하는 표시부(14); 로 구성된 휴대폰(1)과;An NFC chip 11 to which a loop antenna 15 for short-range wireless transmission and reception is connected and detects an adjacent security card 2; A phone OS unit 12 for controlling the overall operation of the mobile phone 1; When the security card 2 is detected by the NFC chip 11, the screen is output through the display unit 14 to display a guide screen through which the user can select a security code or an OTP number. Security app that transmits a signal or OTP number request signal to the security card (2) through the NFC chip 11, and outputs the security code or OTP number transmitted from the security card (2) through the display unit 14 ( 13); A display unit 14 for screen outputting an operating state of the mobile phone 1; A mobile phone 1 composed of;

카드 형태로 형성되고, 휴대폰(1)에 근접되었을 때 루프안테나(15)에서 발생된 자기장으로 부터 전원을 공급받아 활성화되어 동작신호를 NFC 칩(11)으로 전송하고, 보안 앱(13)의 요청에 따라 자체 저장되어 있는 보안코드 또는 보안 앱(13)으로 부터 전송된 표준시간정보와 자체 저장되어 있는 OTP발생정보(시리얼넘버, 비밀키, Pin번호)를 OTP발생용 알고리즘에 적용 연산하여 생성한 OTP번호를 NFC 칩(11)으로 근거리 전송하는 IC 칩(21)이 장착되어 있는 보안카드(2); 로 구성한 것을 특징으로 한다.Is formed in the form of a card, when the proximity to the mobile phone 1 is supplied with power from the magnetic field generated in the loop antenna 15 is activated to transmit the operation signal to the NFC chip 11, the request of the security app 13 According to OTP generation algorithm generated by applying the OTP generation information (serial number, secret key, Pin number) and the standard time information transmitted from the security code or the security app (13) stored in accordance with A security card 2 equipped with an IC chip 21 for short-range transmission of an OTP number to the NFC chip 11; Characterized in that configured.

본 발명의 다른 실시예는 보안카드(2)의 IC칩(21)에 보안코드와 OTP 발생용 알고리즘 및 OTP발생정보(시리얼넘버, 비밀키, Pin번호)를 저장시켜 보안앱(13)의 요청에 따라 보안코드 또는 OTP번호를 보안앱(13)으로 전송하여 화면 출력토록 구성한 것이다.Another embodiment of the present invention stores the security code and OTP generation algorithm and OTP generation information (serial number, secret key, Pin number) in the IC chip 21 of the security card (2) request of the security app 13 According to the security code or OTP number is configured to send the screen output to the security app (13).

이에따라, IC칩(21)에는 OTP발생정보(시리얼넘버, 비밀키, Pin번호)와 OTP 발생용 알고리즘이 더 내장되는데, 상기 OTP발생정보와 OTP발생용 알고리즘은 보안카드(2) 제조시 IC칩(21)에 저장되거나 아니면 금융기관에서 사용자에게 보안카드(2)를 발급할 때 현장에서 별도의 리더기에 의해 개별 입력된다.
Accordingly, the IC chip 21 further includes OTP generation information (serial number, secret key, and pin number) and an OTP generation algorithm. The OTP generation information and the OTP generation algorithm are IC chips when the security card 2 is manufactured. Or stored separately at 21 when the financial institution issues the security card 2 to the user.

이와같이 구성된 본 발명의 동작을 설명하면 다음과 같다.Referring to the operation of the present invention configured as described above is as follows.

도 3 과 같이 IC칩(21)이 장착된 보안카드(2)를 NFC 칩(11)이 탑재된 휴대폰(1)에 밀착시키면, NFC 칩(11)의 루프안테나(15)에서 발생된 자기장에 의해 IC칩(21)으로 전원이 공급되어 IC칩(21)이 활성화되고, IC칩(21)의 활성화된 상태를 NFC 칩(11)이 감지한다.As shown in FIG. 3, when the security card 2 equipped with the IC chip 21 is in close contact with the mobile phone 1 equipped with the NFC chip 11, the magnetic field generated by the loop antenna 15 of the NFC chip 11 may be attached. Power is supplied to the IC chip 21 to activate the IC chip 21, and the NFC chip 11 detects the activated state of the IC chip 21.

NFC 칩(11)에 의해 IC칩(21)이 감지되면 휴대폰(1)에 탑재된 폰 OS부(12)가 보안 앱(13)을 동작시킨다.When the IC chip 21 is detected by the NFC chip 11, the phone OS unit 12 mounted on the mobile phone 1 operates the security app 13.

보안 앱(13)은 동작한 후 NFC 칩(11)과 IC칩(21)을 무선통신라인으로 연결시키고, 표시부(14) 상에 사용자가 보안코드 또는 OTP번호를 선택할 수 있는 안내화면을 표시하며, 이 안내화면을 통해 사용자가 보안코드 또는 OTP번호를 선택하게 된다.The security app 13 operates and connects the NFC chip 11 and the IC chip 21 by a wireless communication line, and displays a guide screen for the user to select a security code or OTP number on the display unit 14 In this screen, the user selects a security code or OTP number.

사용자가 보안코드를 선택하면 앞서 설명한 바와같이 보안 앱(13)에서 보안코드요청신호를 IC칩(21)으로 전송하고, IC칩(21)이 자체 저장되어 있는 보안코드를 보안 앱(13)으로 전송함에 따라 표시부(14) 상에 도 2 와 같은 보안코드표가 화면 출력되는 것이다.
When the user selects a security code, as described above, the security app 13 transmits a security code request signal to the IC chip 21, and the security code of the IC chip 21 stored in itself is transferred to the security app 13. As it transmits, the security code table as shown in FIG. 2 is output on the display unit 14.

한편, 사용자가 OTP번호의 생성을 선택하게되면, 보안앱(13)은 시간동기방식 OTP번호 생성에 필요한 표준시간정보를 NFC 칩(11)을 통해 IC칩(21)으로 전송한다.On the other hand, when the user selects the generation of the OTP number, the security app 13 transmits the standard time information required for generating the time-synchronous OTP number to the IC chip 21 through the NFC chip (11).

보안 앱(13)으로 부터 표준시간정보를 수신한 IC칩(21)은 표준시간정보와 자체 저장되어 있는 OTP발생정보(시리얼넘버, 비밀키, Pin번호)를 OTP발생 알고리즘에 적용 연산하여 OTP번호를 생성하고, 생성된 OTP번호를 NFC 칩(11)을 통해 보안 앱(13)으로 전송한다.The IC chip 21 receiving the standard time information from the security app 13 calculates the OTP number by applying the OTP generation information (serial number, secret key, and pin number) stored in the standard time information to the OTP generation algorithm. To generate, and transmits the generated OTP number to the security app 13 through the NFC chip (11).

보안 앱(13)은 IC칩(21)에서 생성된 OTP번호를 표시부(14)를 통해 화면 출력하므로서, 사용자는 휴대폰(1)의 표시부(14)로 출력된 OTP번호를 금융거래 및 소액결재, 또는 시스템 인증에 사용할 수 있게되는 것이다.The security app 13 outputs the OTP number generated by the IC chip 21 through the display unit 14, so that the user can display the OTP number output to the display unit 14 of the mobile phone 1 for financial transactions and micropayments, Or it can be used for system authentication.

도 7 내지 도 9 는 본 발명의 작동상태를 촬영한 사진으로서, 도 7 은 휴대폰(1)과 보안카드(2)를 서로 이격시킨 상태, 즉 작동하기 전 상태를 촬영한 사진이다.7 to 9 are photographs of the operating state of the present invention, Figure 7 is a photograph of a state in which the mobile phone 1 and the security card 2 spaced apart from each other, that is, a state before operation.

도 8 은 휴대폰(1)과 보안카드(2)를 밀착시킨 상태로서, 휴대폰(1)에 보안카드(2)가 밀착됨에 따라 보안카드(2)에 탑재된 아씨칩(21)이 활성화되고, 아씨칩(21)을 감지한 휴대폰(1)의 OS부(12)가 보안 앱(13)을 동작시킴에 따라 표시부(14)상에 보안 앱 화면이 출력된 상태이다.8 shows a state in which the mobile phone 1 and the security card 2 are in close contact with each other. As the security card 2 is in close contact with the mobile phone 1, the Assy chip 21 mounted on the security card 2 is activated. As the OS unit 12 of the mobile phone 1 detecting the MS chip 21 operates the security app 13, the security app screen is output on the display unit 14.

이상태에서 보안 앱(13)이 아씨칩(21)으로 표준시간정보를 송신하고, 아씨칩(21)은 OTP번호를 생성하여 보안 앱(13)으로 전송하게된다.In this state, the security app 13 transmits standard time information to the AC chip 21, and the AC chip 21 generates an OTP number and transmits it to the security app 13.

도 9 는 보안 앱(13)이 아씨칩(21)에서 생성된 OTP번호를 수신하여 표시부(14)를 통해 출력한 상태이다.
9 is a state in which the security app 13 receives the OTP number generated in the ac chip 21 and outputs it through the display unit 14.

한편, 본 발명에서 표시부(14)를 통한 보안코드의 출력은 금융기관에서 발급된 보안코드표를 그대로 화면 출력 하거나 또는 사용자가 입력한 보안코드표의 일련번호에 해당하는 보안코드번호를 화면 출력하는 것을 특징으로 한다.On the other hand, the output of the security code through the display unit 14 in the present invention is to output the security code table issued by the financial institution as it is or to output the security code number corresponding to the serial number of the security code table entered by the user It features.

즉, IC 칩(21)에 보안코드표가 이미지파일 상태로 저장되어 있을 경우에는 사용자의 보안코드 요청시 IC칩(21)에 저장된 보안코드표가 핸드폰(1)으로 전송되어 표시부(14)를 통해 화면출력되는 것이고,That is, when the security code table is stored in the image file state in the IC chip 21, the security code table stored in the IC chip 21 is transmitted to the mobile phone 1 when the user requests a security code to display the display unit 14. Is output through

IC 칩(21)에 보안코드의 일련번호에 대응하는 보안코드번호가 데이타 형태로 저장되어 있는 경우에는 사용자가 표시부(14)를 통해 입력하는 일련번호에 대응하는 보안코드번호를 IC칩(21)이 핸드폰(1)으로 전송하여 일련번호에 대응하는 보안코드번호만이 화면에 표시되도록 하는 것이다.
If the security code number corresponding to the serial number of the security code is stored in the data form in the IC chip 21, the security code number corresponding to the serial number input by the user through the display unit 14 is stored in the IC chip 21. The security code number corresponding to the serial number is transmitted to the mobile phone 1 so that the screen is displayed.

그리고, 본 발명에서는 보안카드(2)의 뒷면에 도 2 와 같이 보안코드표를 인쇄하여 사용할 수도 있다.
In the present invention, the security code table may be printed on the back of the security card 2 as shown in FIG. 2.

한편, 본 발명의 핸드폰(1)에 탑재된 폰 OS부(12)는 보안카드(2) 감지에 의해 보안앱(13)이 초기 구동할 때 표시부(14) 화면에 비밀번호의 입력을 요구하는 안내화면을 출력하고, 안내화면에 따라 정상적인 비밀번호가 입력되었을때 보안앱(13)을 정상 작동시키며, 비밀번호가 설정횟수 이상 잘못 입력될 경우 보안앱(13)의 구동이 이루어지지 않도록 록킹하므로서, 보안성을 더욱 강화할 수 있다.On the other hand, the phone OS unit 12 mounted on the mobile phone 1 of the present invention is a guide for requesting input of a password on the display unit 14 screen when the security app 13 is initially driven by the detection of the security card 2. Outputs the screen, when the normal password is entered according to the guide screen, the security app 13 operates normally, and if the password is incorrectly entered more than the set number of times by locking the driving of the security app 13, security Can be further enhanced.

1: 핸드폰, 2: 보안카드,
11: NFC 칩,
12: 폰 OS부, 13: 보안 앱,
14: 표시부, 15: 루프안테나,
21: IC칩, 1: cell phone, 2: security card,
11: NFC chip,
12: phone OS section, 13: security apps,
14: display unit, 15: loop antenna,
21: IC chip,

Claims (5)

근거리 무선 송수신용 루프안테나(15)가 연결되고, 근접한 보안카드(2)를 감지하는 NFC 칩(11)과; 핸드폰(1)의 전체적인 동작을 제어하는 폰 OS부(12)와; NFC 칩(11)에 의해 보안카드(2)가 감지되었을때 활성화되고, 보안코드요청신호를 NFC 칩(11)을 통해 보안카드(2)로 전송하며, 보안카드(2)로 부터 전송된 보안코드를 표시부(14)를 통해 화면 출력하는 보안 앱(13)과; 휴대폰(1)의 작동상태를 화면 출력하는 표시부(14); 로 구성된 휴대폰(1)과;
카드 형태로 형성되고, 휴대폰(1)에 근접되었을 때 루프안테나(15)에서 발생된 자기장으로 부터 전원을 공급받아 활성화되어 동작신호를 NFC 칩(11)으로 전송하고, 보안 앱(13)으로 부터 전송된 보안코드요청신호에 따라 자체 저장되어 있는 보안코드를 NFC 칩(11)으로 근거리 전송하는 IC 칩(21)이 장착되어 있는 보안카드(2); 로 구성한 것을 특징으로 하는 엔에프씨 칩이 내장된 핸드폰을 이용한 보안카드장치.
An NFC chip 11 to which a loop antenna 15 for short-range wireless transmission and reception is connected and detects an adjacent security card 2; A phone OS unit 12 for controlling the overall operation of the mobile phone 1; It is activated when the security card 2 is detected by the NFC chip 11, and transmits the security code request signal to the security card 2 through the NFC chip 11, the security transmitted from the security card (2) A security app 13 for outputting the code through the display unit 14; A display unit 14 for screen outputting an operating state of the mobile phone 1; A mobile phone 1 composed of;
Is formed in the form of a card, when the proximity to the mobile phone 1 is supplied with power from the magnetic field generated in the loop antenna 15 is activated to transmit the operation signal to the NFC chip 11, from the security app 13 A security card (2) equipped with an IC chip (21) for transmitting the security code stored therein in close proximity to the NFC chip (11) according to the transmitted security code request signal; Security card device using a cell phone embedded with NFC chip, characterized in that consisting of.
근거리 무선 송수신용 루프안테나(15)가 연결되고, 근접한 보안카드(2)를 감지하는 NFC 칩(11)과; 핸드폰(1)의 전체적인 동작을 제어하는 폰 OS부(12)와; NFC 칩(11)에 의해 보안카드(2)가 감지되었을때 활성화되어 사용자가 보안코드 또는 OTP번호를 선택할 수 있는 안내화면을 표시부(14)를 통해 화면출력하고, 사용자의 선택에 따라 보안코드요청신호 또는 OTP번호요청신호를 NFC 칩(11)을 통해 보안카드(2)로 전송하며, 보안카드(2)로 부터 전송된 보안코드 또는 OTP번호를 표시부(14)를 통해 화면 출력하는 보안 앱(13)과; 휴대폰(1)의 작동상태를 화면 출력하는 표시부(14); 로 구성된 휴대폰(1)과;
카드 형태로 형성되고, 휴대폰(1)에 근접되었을 때 루프안테나(15)에서 발생된 자기장으로 부터 전원을 공급받아 활성화되어 동작신호를 NFC 칩(11)으로 전송하고, 보안 앱(13)의 요청에 따라 자체 저장되어 있는 보안코드 또는 보안 앱(13)으로 부터 전송된 표준시간정보와 자체 저장되어 있는 OTP발생정보(시리얼넘버, 비밀키, Pin번호)를 OTP발생용 알고리즘에 적용 연산하여 생성한 OTP번호를 NFC 칩(11)으로 근거리 전송하는 IC 칩(21)이 장착되어 있는 보안카드(2); 로 구성한 것을 특징으로 하는 엔에프씨 칩이 내장된 핸드폰을 이용한 보안카드장치.
An NFC chip 11 to which a loop antenna 15 for short-range wireless transmission and reception is connected and detects an adjacent security card 2; A phone OS unit 12 for controlling the overall operation of the mobile phone 1; When the security card 2 is detected by the NFC chip 11, the screen is output through the display unit 14 to display a guide screen through which the user can select a security code or an OTP number. Security app that transmits a signal or OTP number request signal to the security card (2) through the NFC chip 11, and outputs the security code or OTP number transmitted from the security card (2) through the display unit 14 ( 13); A display unit 14 for screen outputting an operating state of the mobile phone 1; A mobile phone 1 composed of;
Is formed in the form of a card, when the proximity to the mobile phone 1 is supplied with power from the magnetic field generated in the loop antenna 15 is activated to transmit the operation signal to the NFC chip 11, the request of the security app 13 According to OTP generation algorithm generated by applying the OTP generation information (serial number, secret key, Pin number) and the standard time information transmitted from the security code or the security app (13) stored in accordance with A security card 2 equipped with an IC chip 21 for short-range transmission of an OTP number to the NFC chip 11; Security card device using a cell phone embedded with NFC chip, characterized in that consisting of.
제 1 항 또는 제 2 항에 있어서,
표시부(14)를 통한 보안코드의 출력은 금융기관에서 발급된 보안코드표를 그대로 화면 출력 하거나 또는 사용자가 입력한 보안코드표의 일련번호에 해당하는 보안코드번호를 화면 출력하는 것을 특징으로 하는 엔에프씨 칩이 내장된 핸드폰을 이용한 보안카드장치.
3. The method according to claim 1 or 2,
The output of the security code through the display unit 14 is characterized by outputting the security code table corresponding to the serial number of the security code table issued by the financial institution or the user inputs a screen Security card device using a chip-embedded cell phone.
제 1 항 또는 제 2 항에 있어서,
보안카드(2)의 일면에는 보안코드표가 인쇄된 것을 특징으로 하는 엔에프씨 칩이 내장된 핸드폰을 이용한 보안카드장치.
3. The method according to claim 1 or 2,
Security card device using a cell phone embedded NFC chip, characterized in that the security code table is printed on one side of the security card (2).
제 1 항 또는 제 2 항에 있어서,
폰 OS부(12)는 보안카드(2) 감지에 의해 보안앱(13)이 초기 구동할 때 표시부(14) 화면에 비밀번호의 입력을 요구하는 안내화면을 출력하고, 안내화면에 따라 정상적인 비밀번호가 입력되었을때 보안앱(13)을 정상 작동시키며, 비밀번호가 설정횟수 이상 잘못 입력될 경우 보안앱(13)의 구동이 이루어지지 않도록 록킹하는 것을 특징으로 하는 엔에프씨 칩이 내장된 핸드폰을 이용한 보안카드장치.



3. The method according to claim 1 or 2,
The phone OS unit 12 outputs a guide screen requesting input of a password on the display unit 14 screen when the security app 13 is initially driven by detecting the security card 2, and the normal password is displayed according to the guide screen. The security app 13 operates normally when input, and if the password is incorrectly entered more than the set number of times, the security card using a cell phone embedded with NFC chip, characterized in that the lock so that the driving of the security app 13 is not made Device.



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