KR101285125B1 - System and method for smart card service - Google Patents

Abstract

The present invention relates to a smart card service system and method, comprising: a display module; Keypad module; A memory module storing card information and user password including charge remaining liquid information; And a control module for displaying the card information on the display module when the user password inputted to the keypad module matches the user password stored in the memory module. Accordingly, by strengthening the security function of the smart card having a display function and granting various additional functions, it is possible to prevent the information stored in the smart card from being misused even if the smart card is lost or stolen. The convenience of use can be promoted through.

Description

Smart card service system and method {SYSTEM AND METHOD FOR SMART CARD SERVICE}

The present invention relates to a smart card service system and method, and more particularly, to enhance the convenience of use by adding a display function to the smart card, while enhancing the security function of the smart card having a display function and various additional functions. The present invention relates to a smart card service system and method that can prevent misuse of information stored in a smart card even if the smart card is lost or stolen, and can enhance convenience of use through various additional functions. .

Smart cards are defined as credit card-sized plastic cards with integrated circuit chips that have the ability to process specific transactions by having a microprocessor, card operating system, and memory in a dictionary.

Smart card is a rechargeable payment method that supports functions such as transportation card payment and Internet payment. Such smart cards are easy to carry and manage compared to real money such as cash and checks, and are easy to use and easy to use the payment function.

By the way, the information of the conventional smart card can be confirmed only through a separate device such as a card terminal, there is a disadvantage that it is not easy to check the information, such as the remaining balance or payment amount.

This may give distrust to the smart card system, and if it is implemented as a charging type, the balance may not be known, and thus, a situation may occur in which the payment function cannot be used because it cannot be charged in advance.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-described problems, and there is a technical problem in improving convenience of use by adding a display function to a smart card to directly display charging balance information and the like to a user.

In addition, by strengthening the security function of the smart card having a display function and granting various additional functions, information stored in the smart card can be prevented from being misused even if the smart card is lost or stolen. There is a technical problem to provide a smart card service system and method that can promote the ease of use through.

Smart card of the present invention for achieving the above object, the display module; Keypad module; A memory module storing card information and user password including charge remaining liquid information; And a control module for displaying the card information on the display module when the user password inputted to the keypad module matches the user password stored in the memory module.

Here, further comprising an RF module for external communication; The control module displays the charge request amount received by the RF module on the display module, and when the user password inputted to the keypad module matches the user password stored in the memory module, the charge request amount is stored in the memory. It can be charged and reflected in the remaining liquid of the module.

And, if the remaining charge amount stored in the memory module is less than the reference value, the control module displays the automatic charge amount on the display module, the user password input to the keypad module matches the user password stored in the memory module In this case, the automatic charging amount may be reflected in the remaining amount of the memory module, and the charging process may be performed and the automatic charging details may be stored.

Here, the sheet or the injection molded material laminated on the display area of the display module, and may further include a laser marking layer marked with a dot shape on the surface thin film of the sheet or injection.

Smart card service system of the present invention for achieving the above object, the financial server for generating a charge request message; A card terminal for receiving the charging request message from the financial server and transmitting the RF message by RF communication; And a display module for displaying the charge request amount when the charge request message is received from the card terminal. Keypad module; A memory module storing a user password; And a smart card having a control module configured to perform charging processing by reflecting the charge request amount to the remaining amount of the memory module when the user password inputted to the keypad module matches the user password stored in the memory module.

A control method of a smart card of the present invention for achieving the above object, the control method of a smart card comprising a display module and a keypad module, comprising: receiving a display function execution through the keypad module; Displaying a user password input message on the display module; Receiving a user password through the keypad module; And displaying information on the display module when the input password matches a previously stored user password.

Here, the step of displaying the charge request amount received wirelessly on the display module; Displaying a user password input message on the display module; Receiving a user password through the keypad module; And if the input password matches a pre-stored user password, charging the remaining amount according to the wireless received charge request amount.

And, if the remaining charge amount is less than the reference value, displaying a predetermined automatic charge amount on the display module; Displaying a user password input message on the display module; Receiving a user password through the keypad module; If the input password matches a pre-stored user password, charging the remaining amount according to the set automatic charging amount; And it may include the step of storing the automatic charge history.

The service method of the smart card of the present invention for achieving the above object comprises the steps of generating and transmitting a charge request message in the financial server according to the charge request of the card terminal; Receiving the charge request message from the card terminal and transmitting the RF message by RF communication; Receiving, at the smart card, the charge request message from the card terminal and displaying the charge request message on its own display module; Displaying a user password input message on the display module; And if the password input by the user matches a pre-stored user password, charging the remaining amount according to the wirelessly received charge request amount.

As described above, the smart card service system and method of the present invention can enhance the convenience of use by adding a display function to the smart card to display the charge balance information directly to the user.

In addition, by strengthening the security function of the smart card having a display function and granting various additional functions, information stored in the smart card can be prevented from being misused even if the smart card is lost or stolen. The convenience of use can be enhanced.

1 is an exploded perspective view of a smart card according to an embodiment of the present invention;
2 is a control block diagram of a smart card according to an embodiment of the present invention;
3 is a data storage state diagram of a smart card according to an embodiment of the present invention;
4 is a configuration diagram of a smart card service system according to an embodiment of the present invention;
5 is a control flowchart of a smart card according to an embodiment of the present invention;
6 is a control flowchart of a smart card service system according to an embodiment of the present invention;
7 is a control flowchart of a smart card service system according to another embodiment of the present invention.

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

1 is an exploded perspective view of a smart card 100 according to an embodiment of the present invention, Figure 2 is a control block diagram of the smart card 100.

As shown in the figure, the smart card 100 according to an embodiment of the present invention, the circuit board 13 including the keypad module 50 and the display module 40 is stacked on the lower printed layer 12 and In addition, the upper printed layer 11 shielding the circuit board 13 is stacked to expose the use area of the keypad module 50 and the display module 40.

The RF module 20, the RF antenna 30, the display module 40, the keypad module 50, the memory module 60, and the control module 70 are mounted on the circuit board 13 of the smart card 100. .

The RF module 20 converts an RF signal into a digital signal or converts a digital signal into an RF signal and generates driving power from the RF signal. The RF module 20 may be configured in the form of an RF chip including a digital signal processor, a power generator, and the like in a single chip form.

The RF antenna 30 connects the RF module 20 and the control module 70 to relay transmission and reception of data signals and power signals therebetween. The RF antenna 30 transmits the data of the card terminal 200 received through the RF module 20 to the control module 70, and transmits the information of the control module 70 to the RF module 20 to the terminal ( 200).

The display module 40 may display data stored in the memory module 60 or processing results of the control module 70 under the control of the control module 70. The display module 40 may include a thin film liquid crystal display (TFT-LCD), an electronic paper display (e-paper LCD), or a plastic flexible display.

Here, a display security device may be formed on the display area of the display module 40 to identify the display area only when the display module 40 is lit. The display security device is formed by forming a sheet or an injection molded product and then forming a thin film on the surface thereof, and marking a dot having a diameter of 1 μm or more and 40 μm or less on the thin film using a laser.

When light is applied to the display security device, light may be transmitted through a laser marked dot to display a light under the display security device, that is, a display screen. On the other hand, nothing is displayed when there is no light. Therefore, when the display security device is formed on the entire front portion of the smart card 100, or when the display security device having the same color as other areas is formed on the display module 40, the display module 40 is not driven. If not, it is not possible to recognize the presence of the display screen on the smart card (100). In addition, when the display module 40 starts to drive, the display screen transmitted by the display security device may be checked. Accordingly, if the owner of the smart card 100 is not the owner of the display module 40, the presence of the display module 40 cannot be recognized, and thus the security effect on information leakage can be further enhanced.

The display security device may be formed to shield the front of the smart card 100, or may be limited to the exposed area of the display module 40. When the diameter of the dot is 1 μm or less, even though the display module 40 is driven, light is hardly transmitted through the dot, and when the dot is marked at 40 μm or more, the marked shape may be displayed at the installation position of the display module 40. As such, it may not be suitable for the purpose of hiding the display module 40.

The keypad module 50 transmits the key input signal selected by the user to the control module 70. The keypad module 50 may include a numeric key, a direction key, a character key, and the like.

The memory module 60 stores data related to the use and management of the smart card 100. As shown in FIG. 3, the memory module 60 may store data such as a card ID, a user password, a residual amount of a card, a used amount, an automatic charging history, and the like. The card ID is unique identification information given to the smart card 100 and may be given when the smart card 100 is issued. The user password is for authenticating the use permission of the smart card 100 and may be directly set by the user when registering the use of the smart card 100. The remaining amount is available charge amount information, and the used amount may include payment amount information. When the remaining amount is less than the reference amount, the automatic charge details are the amounts that the smart card 100 charges on its own, and then, when contacted with the card terminal 200, it is transmitted to the financial server 300.

The control module 70 includes a power controller 74, an RF modulator 76, a data processor 72, and a user authentication unit 78.

The power controller 74 receives a power signal from the RF module 20 and generates a supply power having a voltage that can be supplied to each component.

The RF modulator 76 receives a data signal from the RF module 20, converts the data signal into a signal that can be processed by the data processor 72, converts data to be transmitted by the data processor 72 into a digital signal, and then converts the data into a digital signal. 20).

The user authentication unit 78 compares the user password inputted to the keypad module 50 with the password stored in the memory module and provides the comparison result to the data processing unit 72. The user authentication unit 78 may be implemented in the form of software driven by the data processing unit 72, or may be implemented as a separate authentication module.

The data processor 72 may control a security function using a user password, an automatic charging function, a change charging function, etc., in addition to the general smart card 100 functions such as an RF transmission / reception control function, a charging and payment function, a display control function, and the like. .

The data processor 72 may update the remaining amount and use amount information of the memory module by controlling the charging and settlement function according to the signal received by the RF module 20. In addition, the data processor 72 may display the remaining liquid and the used liquid on the display module 40.

When executing the display function, the data processor 72 first requests a user password input. The data processing unit 72 authenticates the user's password input to the keypad module 50 through the user authentication unit 78 to display the information of the smart card 100 only when it is confirmed that the user is a legitimate user. For example, when the display function of the remaining amount is selected, the data processing unit 72 displays the remaining amount only when authentication is successful after performing user authentication.

In addition, the data processor 72 may request a user password input through the display module 40 when controlling a function related to charging and payment of a balance, such as a payment function, a charging function, an automatic charging function, and the like. The data processing unit 72 authenticates the user's password input to the keypad module 50 through the user authentication unit 78, and performs charging and payment functions only when it is confirmed that the user is a legitimate user.

Here, when it is determined that the password input by the user does not match the stored password, the data processing unit 72 may display an error message on the display module 40 without performing charging and payment. If the number of password errors is greater than or equal to the reference number of times, the use of the smart card 100 may be blocked, and a visit to the issuing authority of the smart card 100 may be induced to reset the user password.

As described above, the smart card 100 of the present invention, by using a user password when using the charging or payment function to enable the charging or payment function only for a legitimate user, the security function of the rechargeable smart card 100 Can strengthen.

In addition, the smart card 100 of the present invention restricts the display function from being executed according to whether the user password is authenticated, so that when the smart card 100 is lost or stolen, the card information such as the remaining balance is changed to another user. Exposure can be prevented.

In order to limit the display function, the data processor 72 may control the display module 40 to prevent information from being displayed on the display module 40.

In addition, in order to improve the security level of the display function, the display security device may be formed on the upper printed layer 11 so that the display module 40 may be recognized only when it is lit. The display security device forms a predetermined sheet or an injection molded product, forms a thin film on the surface of the sheet or an injection molded product, and uses a laser in an area corresponding to the display area of the display module 40 to have a diameter of 1 μm or more. It can form by marking the dot which is 40 micrometers or less. When the display module 40 is driven, the light is transmitted through the dot so that the user can check the displayed content.

4 is a configuration diagram of a smart card service system according to an exemplary embodiment of the present invention, and shows a system configuration when a financial service such as charging and payment is provided using the smart card 100 including the above-described configurations. It is.

As shown in FIG. 4, the smart card service system includes a smart card 100, a card terminal 200, and a financial server 300 connected to a network with the card terminal 200.

The card terminal 200 transmits an RF wireless signal when the transaction target smart card 100 is detected so that driving power is supplied to the smart card 100. The card terminal 200 transmits payment request information about the amount used to the smart card 100 and performs a payment function by receiving a confirmation signal therefor, and the financial server 300 displays the payment details of the smart card 100. To send.

The card terminal 200 may charge the remaining amount of the smart card 100 by transmitting the filling amount information to the smart card 100 at the request of the financial server 300. Here, the card terminal 200 may perform a function of charging the amount of charge that the user wants to charge in the smart card 100 or charging the change that the user should receive. For example, when a user needs to receive a coin back after purchasing an item in a store, the store owner requests the recharge amount of the change amount to the financial server 300 to charge the smart card 100 through the card terminal 200. You can do that.

The card terminal 200 may receive the card ID and the automatic charging history of the smart card 100 from the smart card 100 and transmit it to the financial server 300. Thus, when the balance of the smart card 100 is automatically charged, the charge amount may be post-paid from the financial server 300.

When the payment request information is received from the card terminal 200, the smart card 100 may request a user to input a user password. If the user password is authenticated, the payment request of the card terminal 200 is approved. If the authentication fails, an error message is displayed on the display unit and the payment request is rejected.

When the smart card 100 receives the charging request information from the card terminal 200, the smart card 100 may request the user to input a user password. If the user password is authenticated, the smart card 100 updates the remaining amount information of the memory module to reflect the corresponding amount.

When the card terminal 200 is recognized, the smart card 100 may transmit the automatic charging history stored in the memory module together with the card ID. Here, the smart card 100 may control the user to select whether to transmit the automatic charging history through the keypad module.

Meanwhile, in the above description, the financial server 300 for transmitting and receiving the financial information with the card terminal 200 is described as one configuration, but the charging function, the change charging function, and the automatic charging function provided by the financial server 300 are provided. It is also possible to configure two or more servers according to each function, such as payment function.

5 is a control flowchart of the smart card 100 according to an embodiment of the present invention, illustrating a control flow of providing an authentication function when using the display function of the smart card 100.

The display function of the smart card 100 is selected (S110). For example, the user may select a display function of the remaining liquid of the smart card 100 through the keypad module 50.

The control module 70 displays the user password input message on the display module 40 and waits (S120).

The control module 70 determines whether a user password is input through the keypad module 50 (S130). If the user password is not input within a predetermined time, the control module 70 may display an error message on the display module 40 (S160).

When the user password is input, the control module 70 determines whether the user password stored in the memory module and the input user password match (S140).

If the user passwords match, the control module 70 displays the smart card 100 information requested by the user on the display module 40 (S150). For example, the card residual information stored in the memory module may be displayed.

On the other hand, if the user password does not match, the control module 70 may display an error message on the display module 40 (S160).

6 is a control flowchart of a smart card service system according to an embodiment of the present invention, and illustrates a control flow for providing an authentication function during automatic charging of the smart card 100.

The data processor 72 checks the residual liquid information of the memory module to determine whether the residual liquid reaches the minimum reference liquid for automatic charging (S300).

When it is determined that the minimum threshold is reached, the data processing unit 72 displays the preset automatic charging amount on the display module 40 (S310), and requests a user password input for charging the corresponding amount (S312). .

The data processor 72 compares the user password stored in the memory module with the user password input to the keypad module and determines whether the user password matches (S314).

If the authentication is successful, the data processor 72 performs the automatic charging function by reflecting the charged amount in the remaining liquid, generates the automatic charging details, and stores the stored details in the memory module (S316).

Thereafter, when connected to the card terminal 200, the smart card 100 transmits the stored automatic charging history to the card terminal 200 (S318). Accordingly, the financial server 300 may post-pay the user for the automatic charging history of the smart card 100.

7 is a control flowchart of a smart card service system according to another embodiment of the present invention, which illustrates a control flow for providing an authentication function when charging the smart card 100.

The card terminal 200 requests the charging of the smart card 100 to the financial server 300 (S210). The charge amount may be a change of the smart card 100 user. In addition, when charging is requested, the card ID received from the smart card 100 may be transmitted together.

The financial server 300 processes the request of the card terminal 200 and provides charging information (S212).

The smart card 100 receives the charging information from the card terminal 200 (S214).

The smart card 100 temporarily stores the received charging information (S216), and requests a password input from the user (S218). Here, the temporarily stored charging information is displayed on the display module 40, so that the user can check the change.

The smart card 100 checks whether the user succeeds in the password authentication (S220), and if the authentication is successful (S230).

The smart card 100 may return to the card terminal 200 that the charging is completed (S232), and thus, the card terminal 200 may also notify the financial server 300 that the charging is completed (S234). .

On the other hand, if the user fails password authentication, smart card 100 blocks the charging function (S240). This may be the case that the amount of change is not correct or the user is not a legitimate user.

When the smart card 100 transmits the charge failure details to the card terminal 200 (S242), the card terminal 200 may notify the financial server 300 of the received failure details (S244).

Thus, those skilled in the art will appreciate that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the embodiments described above are to be considered in all respects only as illustrative and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

According to the present invention, by enhancing the security function of the smart card having a display function and granting various additional functions, information stored in the smart card can be prevented from being abused even if the smart card is lost or stolen. It can be used in smart card service systems and methods that can enhance the convenience of use through the function.

11: upper printed layer 12: lower printed layer
13: circuit board 20: RF module
30: RF antenna 40: display module
50: keypad module 60: memory module
70: control module 72: data processing unit
74: power control unit 76: RF modulator
78: user authentication unit 100: smart card
200: card terminal 300: financial server

Claims (9)

Display module;
Keypad module;
A memory module storing card information and user password including charge remaining liquid information;
RF module for external communication; And
And a control module for displaying the card information on the display module when the user password inputted to the keypad module matches the user password stored in the memory module.
The control module includes:
If the charge request amount received by the RF module is displayed on the display module, and the user password input to the keypad module matches the user password stored in the memory module, the charge request amount is stored in the remaining amount of the memory module. Reflects the charging process,
When the remaining charge amount stored in the memory module is less than the reference value, the automatic charge amount is displayed on the display module, and if the user password input to the keypad module matches the user password stored in the memory module, the automatic charge amount Smart card, characterized in that the charge processing by reflecting the remaining amount of the memory module, and stores the automatic charging history.
delete delete The method of claim 1,
A smart card, characterized in that it further comprises a display security device in which a dot shape is marked on the surface thin film of the sheet or the injection molded product laminated on the display area of the display module.
A financial server generating a charging request message;
A card terminal for receiving the charging request message from the financial server and transmitting the RF message by RF communication; And
A display module for displaying a charge request amount when the charge request message is received from the card terminal; Keypad module; A memory module storing a user password; And a smart card having a control module configured to perform charging processing by reflecting the charge request amount to the remaining amount of the memory module when the user password inputted to the keypad module matches the user password stored in the memory module.
When the remaining charge amount stored in the memory module is less than the reference value, the automatic charge amount is displayed on the display module, and if the user password input to the keypad module matches the user password stored in the memory module, the automatic charge amount Smart card service system characterized in that the charge processing by reflecting the remaining amount of the memory module, and stores the automatic charging history.
delete In the control method of a smart card comprising a display module and a keypad module,
Receiving a display function execution through the keypad module;
Displaying the wireless charge amount received on the display module;
Displaying a user password input message on the display module;
Receiving a user password through the keypad module; And
If the input password matches a pre-stored user password, charging the remaining amount according to the wirelessly received charge request amount.
The method of claim 7, wherein
If the remaining charge amount is less than or equal to the reference value, displaying a preset automatic charge amount on the display module;
Displaying a user password input message on the display module;
Receiving a user password through the keypad module;
If the input password matches a pre-stored user password, charging the remaining amount according to the set automatic charging amount; And
Smart card control method comprising the step of storing the automatic charge history.
Generating and transmitting a charging request message from the financial server according to the charging request of the card terminal;
Receiving the charge request message from the card terminal and transmitting the RF message by RF communication;
Receiving a charge request message from the card terminal in a smart card and displaying the charge request message on its own display module;
Displaying a user password input message on the display module; And
If the password entered by the user matches the pre-stored user password, the step of processing the remaining amount according to the charge request amount,
If the remaining amount of the smart card is less than the reference amount, the automatic charge amount is displayed on the display module, and if the user password input to the keypad module matches the user password stored in the memory module, the automatic charge amount is stored in the memory Smart card service method characterized in that the charge processing to reflect the remaining amount of the module, and stores the automatic charging history.

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