KR101777651B1 - Payment method using blank card system - Google Patents

Payment method using blank card system Download PDF

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Publication number
KR101777651B1
KR101777651B1 KR1020160014639A KR20160014639A KR101777651B1 KR 101777651 B1 KR101777651 B1 KR 101777651B1 KR 1020160014639 A KR1020160014639 A KR 1020160014639A KR 20160014639 A KR20160014639 A KR 20160014639A KR 101777651 B1 KR101777651 B1 KR 101777651B1
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South Korea
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card
bio
signal
body part
blank card
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KR1020160014639A
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Korean (ko)
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KR20170089374A (en
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이섬규
정성훈
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주식회사 리얼아이덴티티
정성훈
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • H04W4/008—

Abstract

The present invention relates to a blank card system and a payment processing method using the same. The present invention comprises a nonvolatile memory, a volatile memory, and at least one microprocessor unit (MPU), configured with a series of instructions for processing the card information and the card information from the smartphone using the communication module Generating a data format to be stored in the intact IC chip using the received card information and the processing algorithm according to the processing algorithm, recording the data format in the replica IC chip, and converting the card information into NFC And a card information processing module for generating a data format suitable for the transmission method and transmitting the generated data format to the force device.

Description

PAYMENT METHOD USING BLANK CARD SYSTEM [0001]

The present invention relates to a blank card payment processing method, and more particularly, to a blank card payment processing method in which payment information required only at the time of payment is transmitted from a smartphone to a force device.

Since the industrialization of modern society, credit card called "plastic money" has been used for money as much as money after going through rapid information and credit. As a result, the number of credit cards held by ordinary adults has also increased significantly, and the number of credit cards held by ordinary adults has increased frequently, from 2 to 3 to 10 or more. In addition, according to the activation of marketing, issuance of various point cards became an essential marketing item in most companies based on B2C, and now it is a common means to increase sales in small shops located in the alley.

As a result, it is a reality that dozens of cards have been issued by individuals without knowing them. However, in most cases, unnecessary issuance costs are incurred, and it is also true that they are discarded and cause social costs. Furthermore, point cards and discount cards at stores that are not frequently visited frequently are not available at the time of actual visit. This phenomenon leads to the avoidance of card issuance due to troublesome and complicated card management from the viewpoint of the consumer and wastes and unreasonableness in all aspects of demand and supply which cause unnecessary marketing cost in the view of the enterprise. In the case of credit cards, which are deemed to be relatively more efficient than actual point cards, the number of credit cards held by the credit card lender continued to increase after the credit card liquidity crisis, The number of credit cards per person is 4.9, and the total number of card issuance is about 121.23 million.

Meanwhile, the number of cards issued has been steadily increasing, but only 1.4 cards are actually used. As a result, most of the credit cards held by individuals become dormant cards, and more than 20 million (about 40 billion won) are being abandoned. It would not be an exaggeration to say that if you include a variety of cards such as debit, check, cash, and prepaid cards or cards for marketing purposes such as point cards or discount cards, astronomical costs are wasted.

Security issues are more serious than those related to issuing cards. If the owner loses or stolen the card, and the cardholder or the stolen person uses the card without notifying the card company, the original owner of the card will suffer damage.

In order to solve the inconvenience and problems of using these cards, a new payment method called PINTECH is emerging. Representatives of PinTech include Samsung F & M and Apple Fay. SamsungPay converts the card information stored in the smartphone into a magnetic field signal in the form of MST (Magnetic Secured Transfer) and transmits it to the force device. Samsung Fee has an advantage of being excellent in compatibility because a conventional force device equipped with a magnetic reader can be used as it is. However, credit cards with magnetic street bars are becoming increasingly replaced with IC card credit cards that incorporate IC cards because of frequent security problems such as easy copying. In Samsung Pay, there is still a problem of compatibility that can not be settled in POS devices with IC card readers. The ApplePay has a separate memory and transmits the contents stored in the memory to the force device as NFC wireless data. Although ApplePay has the advantage of being more secure than SamsungPay, it has a disadvantage that a separate NFC reader should be attached to the conventional force device, which is regarded as a problem in terms of compatibility. Meanwhile, to improve such compatibility, LG F & M was launched later than Samsung F & F and Apple F & e. LGP provides a payment system that stores payment information in a smart card having a form similar to a conventional plastic and then selects payment information at the time of settlement to use the conventional POS device. However, in the case of LGP, it is implemented so that it can be used only in association with a smartphone authenticated by the manufacturer, and it is inconvenient that a non-smart card can not be used by a non-smart card issuer. For example, even if a father lends his / her smart card to his son, he / she can not pay using the smart card.

In other words, the newly proposed PinTech has an advantage of enhancing the security rather than the use of the conventional plastic card, but in some cases, it has a problem that it is incompatible with the force device currently used in the market, Some methods have the problem of not being able to use a smart card even if it is lent.

Korean Patent Laid-Open No. 10-2015-0113296 (Published Oct. 20, 2015)

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems and it is an object of the present invention to solve the security problem of the conventional card and to use the force device used in the current market without any additional device, Which can be used in a manner similar to a usage pattern of a blank card.

The object of the present invention is to provide a smart phone having a force device including at least one reader selected from a magnetic reader, an IC chip reader and an NFC reader, a memory for storing a plurality of card information, A wearable biomedical device comprising: a first bio-signal sensor for measuring a bio-signal; a blank card having a replica ic chip having the same interface as the genuine isoc chip; and a second bio-signal sensor for measuring a bio-signal of the second body part of the wearer A blank card payment processing method for processing a card settlement through a blank card using a signal meter, comprising: a first step of sending a request for measuring a bio-signal to a wearable bio-signal measuring device; A second step of sensing a bio-signal of a wearer's first body part, The wearable bio-signal measuring device according to claim 1, wherein the wearable bio-signal measuring device is adapted to transmit a bio-signal of a first body part to the wearable bio- And transmits the result of the determination to the blank card. In the second step, the first and second body parts of the first and second body parts are sensed, A fourth step of receiving the blank card, and a processing algorithm composed of a series of instructions for processing card information to be used for payment from the smartphone and the card information only when the discrimination result of the fourth step is discriminated as the same person The method comprising the steps of: A sixth step of analyzing the processing algorithm; A seventh step of converting the card information into a data format stored in an intrinsic IC (IC) chip provided in a normal plastic card according to the interpreted processing algorithm, and storing the data in a replica IC chip having the same interface as the intrinsic IC chip Wherein the first body part and the second body part are different body parts. The method of claim 1, wherein the first body part and the second body part are different body parts.

It is another object of the present invention to provide a smart phone having a force device having at least one reader selected from a magnetic reader, an IC chip reader and an NFC reader, and a memory for storing a plurality of card information, And a second bio-signal sensor for measuring a bio-signal of the second body part of the wearer, a blank card having a first bio-signal sensor for measuring a bio-signal of the wearer, a blank card having a replica ic chip having the same interface as the genuine & A blank card payment processing method for processing card settlement through a blank card using a bio-signal meter, comprising: a first step of sending a request for measuring a bio-signal to a wearable bio-signal measuring device; A second step of sensing a bio-signal of the wearer's first body part; The wearable bio-signal measuring device senses a bio-signal of the second body part of the wearer using a second bio-signal sensor, and then transmits a bio-signal of the second body part to the blank card, A fourth step of discriminating whether a person is the same person using a bio-signal of the first body part and a bio-signal of the second body part transmitted in the third step, A fifth step of wirelessly receiving a processing algorithm consisting of a card information to be used for settlement from the smartphone and a series of instructions for processing the card information only when the result is determined to be the same person; A sixth step of analyzing the processing algorithm; A seventh step of converting the card information into a data format stored in an intrinsic IC (IC) chip provided in a normal plastic card according to the interpreted processing algorithm, and storing the data in a replica IC chip having the same interface as the intrinsic IC chip Wherein the first body part and the second body part are different body parts. The method of claim 1, wherein the first body part and the second body part are different body parts.

The blank card according to the present invention temporarily stores or generates data related to settlement including card information only during card settlement and deletes all related data after completing settlement, And does not have data related to settlement.

In addition, while the payment is not processed, the card information is stored only in the smartphone. In order to access the card information stored in the smartphone, one or more user authentication methods including the fingerprint authentication provided by the smart phone can be applied. It was possible.
The blank card system according to the present invention is secure because it can not pass the user authentication provided by the smartphone 10 even when the smart phone 10 and the blank card are lost at once. In addition, if a technology for controlling the use of the smartphone 10 remotely is used in a case where the smartphone 10 is lost as a technology that has been used recently, it is possible to further prevent illegal use of the smart card.

Furthermore, there is an advantage that smartphone users who can process settlement using the blank card according to the present invention can borrow a specific blank card. Of course, in order to restrict such a situation, it is needless to say that the blank card according to the present invention can be restricted by using software information including hardware information including a MAC address or version information of an operating system, .

1 is a configuration diagram of a blank card system and a force device according to an embodiment of the present invention;
Fig. 2 is a configuration diagram of a blank card according to an embodiment of the present invention; Fig.
3 is a flowchart of a settlement process using a blank card according to the present invention.
4 is a configuration diagram of a blank card and a wearable bio-signal measuring device according to an embodiment of the present invention.
Fig. 5 is a flowchart of a user authentication performed between the blank card and the wearable bio-signal meter shown in Fig. 4; Fig.
6 is a graph showing the heartbeat of an example.
FIG. 7 is a flowchart for explaining a case in which the blank card 20 performs matching with respect to two signals.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, the terms "comprises" or "having" and the like refer to the presence of stated features, integers, steps, operations, elements, components, or combinations thereof, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

Also, in the present specification, the term " above or above "means to be located above or below the object portion, and does not necessarily mean that the object is located on the upper side with respect to the gravitational direction. It will also be understood that when a section of an area, plate, or the like is referred to as being "above or above another section ", this applies not only to the case where the other section is " And the like.

Also, in this specification, when an element is referred to as being "connected" or "connected" with another element, the element may be directly connected or directly connected to the other element, It should be understood that, unless an opposite description is present, it may be connected or connected via another element in the middle.

Also, in this specification, the terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

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

1 is a configuration diagram of a blank card system and a force device according to an embodiment of the present invention. A blank card system 100 according to the present invention is comprised of a smartphone 10 and a blank card 20.

The smartphone 10 is provided with a fingerprint input window 11 for scanning a user fingerprint, a memory 13 for storing card information and a processing algorithm, a security module 15 for performing fingerprint authentication or password authentication, a blank card 20 And a wireless data module 17 for wireless data communication.

The configuration of the smartphone 10 will be briefly described below.

The fingerprint input window 11 is an input window for scanning the fingerprint of the user. It is also commonly used to provide the function of a home button. The memory 13 stores therein a processing algorithm including card information for a plurality of cards and a command sequence in which a series of processes to be processed for each card company are recorded, and one of a plurality of cards can be used by user selection . This is because storing the processing algorithm may be different for each corporation providing stored cards. The security module 15 is a module for authenticating the user of the smartphone 15, and is a module for performing password authentication or fingerprint authentication. In order to access the memory 13 to select a card, a considerable level of authentication is required and a plurality of authentication methods for authenticating a legitimate user in an ordinary smartphone 10 are desired. The wireless data module 17 is a module that performs near-field and relatively near-field communication with the blank card 20. The wireless data module 17 is composed of a short distance communication module (NFC) for short distance communication and a Bluetooth module for performing long distance communication relatively to the NFC module.

The blank card 20 is disposed at a position where the dynamic magnetic display module 21 and the ordinary IC chip 23 are disposed at the same position as the position where the magnetic bar provided in the ordinary plastic card is installed, A communication module 33 for communicating with the display module 31, the smart phone 10 and the force device 50, a battery 35 for supplying power, A dynamic magnetic information generator 37 for generating magnetic information to be recorded in the dynamic magnetic display module 21 by using the card information transmitted from the smartphone 10 and a dynamic magnetic information generator 37 for transmitting And an IC chip emulator 39 for generating card settlement information to be stored in the replica IC chip 23 using the received card information.

Briefly, each configuration of the blank card 10 will be described.

The communication module 33 receives the card information and the processing algorithm selected by the user of the smartphone 10 through the NFC or Bluetooth communication from the smartphone 10 or transmits the payment data to the force device 50 through the NFC communication method And a communication module 33 that performs a function of transmitting the data. In order to minimize battery consumption, it is recommended to use BLE (Bluetooth Low Energy) method for Bluetooth. The dynamic magnetic information generating unit 37 is a module for generating magnetic information to be recorded in a dynamic magnetic display module 21 corresponding to a magnetic bar of a conventional plastic card using card information and processing algorithm received from the smartphone 10, The generated magnetic information is recorded in the dynamic magnetic display module 21. The dynamic magnetic display module 21 provides the force device 50 with the same function as the magnetic bar provided in the conventional plastic card. That is, when the blank card 10 according to the present invention is inserted into the magnetic reader of the conventional force device 50 and scratched, the same operation is performed. The technology relating to the dynamic magnetic information generation unit 37 and the dynamic magnetic display module 21 is a technique already known in Korean Patent Laid-Open No. 10-2015-0113296, and thus a detailed description thereof will be omitted.

The display module 31 is a module for displaying the payment amount to the user together with the card information selected by the blank card 20. [ In order to reduce power consumption, the display module 31 is preferably implemented as E-paper. The battery 35 is an element that supplies power to the circuit elements included in the blank card 20. [ The battery 35 may be implemented as a secondary battery, but it is not preferable because the charging device or the terminal must be separately provided.

The IC chip emulator 39 is a module for generating payment data to be stored in the replica IC chip 23 by using the card information and the processing algorithm received from the smart phone 10 and the replica IC chip 23 is a plastic (IC) chip of the card (referred to as 'Jinseong IC chip' in order to distinguish it from 'Clone IC chip') and equipped with the same interface method as the Jinsei IC chip. The MCU 41 is a control module, which is a module for generating control signals for the respective circuit elements included in the blank card 20. [

In the blank card 20 proposed in FIG. 1, the MCU 41, the dynamic magnetic information generating unit 37 and the IC chip emulator 39 are configured as separate elements. However, As a matter of course, it can be physically provided as one circuit element. 2 is a block diagram of a blank card according to an embodiment of the present invention and shows an example in which the MCU 41, the dynamic magnetic information generator 37 and the IC chip emulator 39 are implemented by a single card information processing module 38 FIG. The card information processing module 38 is provided with a nonvolatile memory (EEPROM, ROM), a volatile memory (RAM), and a microprocessing unit (MPU). As a communication module, BLE is used as a module for receiving the card information selected from the smartphone 10, and wireless data transmission to the force device 50 is designed as NFC. The EEPROM and the ROM of the card information processing module 38 are configured to store the operating system. The operating system can be updated by applying the EEPROM. If the EEPROM is provided, the ROM may be omitted. RAM is a memory for storing temporary data generated during arithmetic processing.

The card information processing module 23 is a module for processing the dynamic magnetic display module 21, the replica IC chip 23, or the NFC method using the card information and the processing algorithm regarding the specific card dynamically transmitted from the smartphone 10 Format, and transmits the generated payment data to the magnetic display module 21, the replica IC chip 23, or the force device 50 by the NFC method. That is, the card information processing module 38 is implemented so as to process the functions performed by the dynamic magnetic information generator 37 and the IC chip emulator 39 in software.

Specifically, the card information processing module 38 is provided with an instruction reception analysis control module, a card information reception conversion module, a card activation control module, and a card inactivation control module. The command reception analysis control module is a module for interpreting the processing algorithm transmitted together with the card information about the selected card transmitted from the smartphone 10 according to the operating system stored in the EEPROM and generating a series of control signals for processing the corresponding task to be. The card information reception / conversion module is a function that receives the dynamic magnetic display module 21, the replica IC chip 23, or the data suitable for the NFC scheme using the information about the specific card dynamically transmitted from the smartphone 10 Format, and transmits the converted information to the magnetic display module 21, the replica IC chip 23, or the force device 50 by the NFC method. The card activation control module and the card deactivation control module are modules that determine when a specific condition is satisfied and activate or deactivate the blank card 20. [

The force device 50 which is not applicable to the configuration of the present invention but is necessary for explaining the invention will be briefly described. The force device 50 used in the market essentially includes a display unit 51, an input unit 53 and a magnetic reader 55 and additionally includes an IC chip reader 57 and / or an NFC reader 59, . As the input unit 53, a touch panel which can be constituted by an input key having a plurality of numeric keys and / or can be inputted by a touch method is mainly used. In the case of a plastic card having a chip A chip, if the card is provided with an NFC antenna, (1) the payment data stored through the NFC antenna is transmitted to the force device 50, or (2) It is possible to use both of the methods of contacting the device 50 and transmitting payment data. If the NFC antenna is not provided with a plastic card having an intricate IC chip, payment data can be transmitted only in the latter method.

The blank card 20 according to the present invention is provided with only a communication function and an arithmetic processing function and does not retain any information when the card is inactive. 10). For example, the user authentication by the password input, the user authentication by the pattern recognition, the user authentication by the face contour, and the fingerprint recognition by the smart phone 10 are applied alone or in combination The card information stored in the smart phone 10 is used for card authentication to select it.

Further, even when the smartphone 10 requests payment, it is detected whether the blank card 20 is located within a certain range (this is achieved through the strength of the WiFi signal or the hardness of the NFC signal) The card is activated, and if it is out of a certain range, the blank card 20 is disabled so that it can not be used. In addition, the blank card system according to the present invention is secure because it can not pass the user authentication provided by the smartphone 10 even when the smartphone 10 and the blank card 20 are lost at once. Also, as a technique that has been recently used, it is possible to further prevent the illegal use of the blank card by using a technique of remotely controlling the use of the smartphone 10 when the smartphone 10 is lost.

Another method of providing a blank card is to form a mounting portion and a sensor capable of mounting a blank card on a smartphone case or the like, to attach and detach a payment card from the mounting portion, It can also be enabled for use. The activated blank card is deactivated when a predetermined time elapses, or the command is sent from the smartphone 10 and the blank card is switched to the inactive state by performing the blank card.

Hereinafter, a settlement flow using the blank card according to the present invention will be described with reference to FIG.

A user who wishes to use the card inputs the authentication information to process payment using the card stored in the smartphone 10 (ST 10). As described above, the smartphone 10 provides authentication means of various methods such as user authentication by password input, user authentication by pattern recognition, user authentication by face contour, and user authentication by finger fingerprint recognition. And at least one authentication means with high security is used to authenticate the card user. The smartphone 10 authenticates whether the user is a legitimate user by using the information input from the user (ST 20).

In order to enhance the security, it is needless to say that the authentication may be performed through the external server instead of performing the authentication in the smartphone 10. For example, authentication may be enhanced by storing minutiae points of a legitimate user's fingerprint in an external server and transmitting minutiae points of the user fingerprint acquired using the smartphone 10 to the server. In this case, it is also possible to perform device authentication of the smartphone 10, and in the device authentication, the hardware information such as the MAC address of the smartphone 10 and / or the software corresponding to the version of the operating system (for example, Android) Of course, can be used.

If the user is a legitimate user, a plurality of pieces of card information stored in the smartphone 10 are displayed and a card to be used for payment is selected (ST 30). The card information stored in the smart phone 10 can be set to a memory large enough to be installed simultaneously up to n (n is a natural number of 1 or more) and can be automatically deleted for a certain period of time (or days) .

In addition, a card for preferentially using a payment among a plurality of cards can be registered as a basic card which is used in advance, and when it is desired to use a basic card, the selection process can be omitted. Then, the smartphone 10 activates the Bluetooth low energy (BLE) and transmits card information necessary for settlement (ST40). (For example, IMEI, telephone number, MAC address, etc.) and / or software information of the smartphone 10 when transmitting the encrypted card information to the blank card 20 Security can be further strengthened.

The blank card 20 receives the card information to be used for settlement via the activated BLE (ST 50). In ST 50, the blank card 20 is activated. This activation is achieved when the smartphone 10 grasps the BLE signal strength and sends a specific processing algorithm to the blank card 20 when it is determined that the blank card 20 is in a certain distance range, It can be decrypted and waked and activated. Alternatively, the BLE signal strength may be sensed by the blank card 20, and may be determined by itself and activated. If you use Bluetooth, you can keep your card active for the first time or once a day. However, it is checked whether it is within the range at a predetermined time interval through the Bluetooth, and if it is within the range, the blank card 20 is continuously activated. If the blank card 20 is not within the range, it can be deactivated.

Thereafter, the information about the specific card transmitted using the card information processing module 38 is generated in the payment data format suitable for the dynamic magnetic display module 21, the replica IC chip 23, or the NFC method, Data is displayed as a magnetic signal on the magnetic display module 21 and / or stored in the replica IC chip 23 and / or is generated by the NFC transmission method (ST 60). It goes without saying that such data generation can be performed using the MCU 41, the dynamic magnetic information generator 37, and the IC chip emulator 39 in place of the card information processing module 38.

Thereafter, the converted card information is transmitted to the force device 50 using the NFC module (ST 70). The force device 50 processes the settlement using the settlement means (magnetic card reader, true chip reader or NFC reader) provided in the apparatus (ST 80). When the settlement is to be processed by the NFC method, the blank card 20 is notified that the settlement has been completed (ST 90), the blank card 20 notifies the smartphone 10 that the settlement has been normally processed, and deactivates the card (ST 100).

Disabling (invalidating) the blank card 20 means deleting the information so that the card information transmitted from the smartphone 10 can no longer be used for payment. For example, deleting the card information and the processing algorithm transmitted from the smartphone 10 to the BLE or the NFC, or deleting the data generated using the card information and stored in the card information processing module 38.

It is needless to say that the method of deactivating the blank card 20 can be achieved by applying various other methods in addition to being notified of completion of the settlement from the force device 50. [ In the case of the force device 50 which is substantially not provided with the NFC communication method, the completion of payment can not be notified to the blank card 20. In this case, the blank card 20 is provided with an internal timer. In step ST70, the settlement information is transmitted to the force device 50, and after a predetermined time has elapsed, the smartphone 10 is notified that settlement has been completed will be. In this case, if the ACK signal is not received from the smartphone 10 within a predetermined time, the blank card 20 enters the deactivation step (this will be referred to as a 'one-time method').

When the smartphone 10 and the blank card 20 perform NFC communication, the activation step may be maintained or deactivated by periodically checking the NFC signal strength. In the case of the Bluetooth communication method, it is possible to easily determine whether the blank card 20 is inactivated after checking the blank card 20 periodically.

As a modification, it is also possible to store the card information received from the smartphone 10 in the EEPROM without deleting the card information even after the settlement process is completed in step ST90. In this case, various operations can be performed according to the user's selection. That is, 1) it is inactivated when a certain time elapses, 2) it is inactivated when the date changes, 3) it is inactivated after a fixed period, and 3) it is maintained. The card activation control module wakes up the blank card 20 only for a time determined by the internal timer, and can proceed from ST60. The card information stored in the EEPROM is not used except for the wakeup time. For example, it is not possible to use the card stored in the EEPROM from 12 o'clock in the morning to 7 o'clock in the morning, and to wake up the card information stored in the EEPROM at 7 o'clock in the morning.

Next, whether or not there is a security problem when the smartphone 10 and / or the blank card 20 are lost will be described. When the smartphone 10 is lost, since the blank card 20 is not lost, there is no big problem, so there is no need to take any special measures. Even if the blank card 20 is lost, no security measures need to be taken . As a result, if the smartphone 10 and the blank card 20 are lost at once, there is no need to take any action if the one-time method is activated. If the NFC or Bluetooth communication method is used, It is possible to disable the blank card 20 by using the function of controlling the smartphone 10 remotely and to add a condition for activating the blank card 20 periodically when the remote control function is not available have. Therefore, even if the smartphone 10 and / or the blank card 20 are lost, it can be understood that there is no security problem.

The blank card 20 may be provided with an LED for displaying a separate operation other than the display module 31 and may be configured to display an activated state or a disabled state of the blank card.

In principle, the blank card 20 can download the card information from the smartphone 10 only at the time of use and deactivate (delete) the card information after use, so that illegal use of the card can be fundamentally blocked. However, a delay may occur due to a communication environment or the like required at the time of downloading, and it may be inconvenient to download card information from the smartphone 10 every time it is used frequently. For this purpose, the downloaded card information can be set to be maintained for a certain period of time (for example, 8 hours) or, in this case, the card information is kept stored in the blank card 20 during the corresponding period. However, even if the period has not expired, it can be configured to be deleted by user's selection if necessary. However, if the blank card 20 continues to store the card information, a security problem may occur that the blank card 20 can be used by the learner due to the loss of the blank card 20. In order to prevent this, the blank card 20 must be provided with an additional authentication means for authenticating a legitimate user such as a password or fingerprint recognition, which causes an increase in the unit price and inconvenience of use. Additional safeguards and methods will be described to address these inconveniences. It is needless to say that the additional security device and method described below can be applied to an electronic card that has card information in addition to the blank card 20 and can communicate with the outside in two directions.

FIG. 4 is a configuration diagram of a blank card and a wearable bio-signal measuring device 60 according to an embodiment of the present invention, and FIG. 5 is a flowchart of a user authentication process performed between the blank card and the wearable bio-signal measuring device shown in FIG. The blank card 20 shown in Fig. 4 is constructed by adding the first bio-signal sensor 45 to the blank card 20 shown in Fig. Therefore, the configuration of the blank card 20 shown in FIG. 4 is the same as the configuration of the blank card 20 shown in FIG. 2 except for the first living body signal sensor 45. In addition, a legitimate user must have a wearable bio-signal measuring device 60 that can be worn on a body part such as a wrist, and a wearable bio-signal measuring device 60 also has a second bio-signal sensor (not shown). Of course, the blank card 20 and the wearable bio-electrical signal measurer 60 must be registered in advance as products mutually authenticated.

Hereinafter, a step of authenticating a legitimate user using the blank card 20 and the wearable bio-electrical signal measuring instrument 60 will be described with reference to FIG.

When the card user touches a body part such as a finger with the first living body signal sensor 45 provided on the blank card 20, the card information processing module pairs the Bluetooth with the wearable living body signal measuring device 60 (ST 211) , And requests the wearable bio-signal measurer 60 to measure the bio-signal (ST 213). The blank card 20 uses the first living body signal sensor 45 The biological signal A is sensed in the first body part (ST 215), and the wearable biological signal measurer 60 senses the biological signal A 'in the second body part using the second biological signal sensor (ST 216).

A photoplethysmograph may be used as the most suitable first biological signal sensor 45 or the second biological signal sensor. The optic volume meter is also called the optic perfusion meter. Photoplethysmography is a term that is formed by combining Greek photo, light, plethysmos, which means increase, and grphos, which means record, which means a machine that records the volume change of an object using light. Clinically, it is widely used for blood flow measurement and is also referred to as a photoelectric pulse wave system or a photorefractive system. Since it was introduced around 1937, the optic volume system has been used for evaluation of blood flow such as back clapping, evaluation of endarterial pressure, measurement of oxygen saturation, microfluidic circulation after skin transplantation, drug ingestion, burn, and vascular graft. In general, the plethysmograph is naturally changed in shape or shape when the body organs such as the heart, lung, bladder or blood vessels are changed in volume due to any physiological cause. This type of change is measured It is a mechanism to estimate changes in volume. Plethysmography (PPG) is the process of estimating the clinical significance of a plethysmogram obtained using this device.

Hereinafter, an optical volume meter is used as the first living body signal sensor 45 or the second living body signal sensor, and the change of the blood flow by the heart (heartbeat) is measured using the optical volume meter. Briefly, for reference, heart rate can be measured by other measurement methods such as using heart rate sound as well as measuring blood flow change.

The first living body signal sensor 45 senses the heartbeat for a predetermined period of time in a specific body part (for example, the right hand detection) of the holder of the blank card 20 and then measures the number of pulses of the heartbeat pulse during the measurement period, (Hereinafter, referred to as " biological signal value A ") including the interval between pulses. Of course, depending on the biological signal sensor 45, the measurement data relating to the heartbeat may be simply output as an analog or digital signal, and the card information processing module 38 may calculate the biological signal sensing value A using analog or digital measurement values .

The wearable bio-electrical signal measurer 60 measures the heart beat for a predetermined period of time in another body part (for example, the left-hand neck) of the corresponding card user using the second bio-signal sensor, measures the number of pulses of the heartbeat, (Hereinafter referred to as "biological signal value A") including the duration of each pulse and the interval between pulses.

Thereafter, the blank card 20 transmits the biological signal value A to the wearable biological signal measurer 60, and the wearable biological signal measurer 60 stores it (ST 217). The wearable bio-signal measurer 60 compares the bio-signal value A and the bio-signal value A 'to authenticate whether the user is the same user (ST 219). In the case of the same user, the pulse number of the heartbeat, the duration of the pulse, and the interval between the pulses constituting the biological signal value A will be the same within the error range in the biological signal A '. For example, by using the first living body signal sensor 45 provided on the blank card 20, the heartbeat is measured for a predetermined time (for example, 6 seconds) in the right hand detection and the biological signal value A is calculated, When the heartbeat of the left-hand neck is measured using a second living body signal sensor (not shown) provided in the signal measuring device 60 to calculate the living body signal value A ', the living body signal value A and the living body signal value A' The number of pulses, pulse duration, and interval between pulses that have only a difference but are sensed over a period of time will exhibit the same characteristics. Therefore, when the coincidence is determined in ST 219, there is a slight difference at the time when the same heartbeat is expressed according to the body part to be measured. The difference in the time when the heart beat is expressed at each part of the body is because the heart beat is propagated from the heart and is transmitted through the change of the blood flow to each part of the human body.

When the determination of the coincidence is completed, the determination result is transmitted to the blank card 20 (ST 221), and the blank card 20 permits access to use the stored card information only when it is notified of the matching result (ST 223). Thereafter, the blank card 20 proceeds to settle the card, and terminates the Bluetooth pairing with the wearable bio-signal measurer 60 (ST 223).

Figure 6 is a graph showing heart rate measured at two body parts. FIG. 6 shows heart rate graphs measured at different body parts of the same person as measured (a) and (b). Assume that the heartbeat pulse shown in Fig. 6 (a) is a signal measured from the first living body signal sensor 45, and the heartbeat pulse shown in Fig. 6 (b) is a signal measured from the second living body signal sensor .

The wearable bio-signal measurer 60 receives the bio-signal value A for the heartbeat pulse (FIG. 6 (a)) measured from the first bio-signal sensor 45 from the blank card 20 and stores it in the memory. The biological signal value A includes the number of pulses (five pulses) for the heartbeat pulse measured from the first living body signal sensor 45 for a certain period of time, the durations d1, d2, ..., d5 of the pulses, interval 1, interval 2, interval 3, interval 4), and it is of course possible to add or exclude other characteristic data as needed.

At approximately the same time when the blank card 20 senses the biological signal A, the wearable biological signal measuring device 60 uses the second biological signal sensor to measure the biological signal for the heartbeat pearl (Fig. 6 (b) Lt; / RTI > The bio-signal value A 'is calculated from the sensed heartbeat pulse. (5), the durations (d1 ', d2', ..., d5 ') of the respective pulses and the time interval between pulses (interval 1', interval 2 ', interval 3' 4 ') are included. The wearable bio-signal measurer 60 can confirm whether or not the wearable bio-signal measurer 60 is the same person by comparing the bio-signal value A with the bio-signal value A '. As shown in FIG. 6, the heartbeat pulses measured at two different body parts of the same person show a time difference to some extent at the starting point, but the number of pulses and the durations of the pulses and the time intervals between the pulses are almost the same . Of course, the amplitude of the heartbeat may vary slightly with distance from the heart, so if you use amplitude, you can use a relative value rather than an absolute value.

Since it is a task that can be easily processed in the field of signal processing, it is possible to apply various methods other than the above-mentioned method to determine whether two pulse pulses match each other. For example, there may be a method of detecting the first vibration time of the first pulse in the heartbeat pulse, and then detecting the starting point and duration of the n consecutive pulses and comparing them.

The user authentication scheme shown in FIG. 5 has many advantages as compared with the conventional scheme. First, since it is a method of measuring a real-time bio-signal, it is not necessary to store data of a user who has been authenticated beforehand. Second, since the present invention uses a real-time bio-signal and the bio-signal changes every moment, it can not be simulated (it is used as a kind of one-time password). Third, the probability that the number of pulses transmitted from two sources composed of the biological signal A and the biological signal A ', the pulse duration, and the interval between pulses coincide is very low. Therefore, even if a person has a card, it is very unlikely to pass through accidentally, which can increase the reliability of the authentication.

Since the authentication method shown in FIG. 5 can be used to confirm that two devices (a blank card and a wearable biomedical signal measuring device) are in use by the same person, it is not bound to a specific person such as a fingerprint authentication. Therefore, There is an advantage to be able to use it immediately if you rent the signal meter to others at once.

In FIG. 5, it is shown that the wearable bio-signal measuring device determines whether the bio-signals detected by the two bio-signal sensors are coincident with each other, but it can also be performed by the blank card 20. FIG. 7 is a flowchart for explaining a case in which the blank card 20 performs matching for two signals.

Since the previous step including ST 216 is the same as the flow shown in FIG. 5, the description will be omitted. When the wearable bio-signal measurer 60 transmits the biometric signal A 'sensed value to the blank card 20 (ST 227), the blank card 20 compares the biometric signal A' sensed value with the sensed value (ST 227) (ST 231) to allow access to the card information. Bluetooth pairing between the blank card 20 and the wearable bio-signal measurer 60 can be performed at any stage after receiving the bio-signal A 'from the wearable bio-signal measurer 60 (ST 233).

While the preferred embodiments of the present invention have been described and illustrated above using specific terms, such terms are used only for the purpose of clarifying the invention, and it is to be understood that the embodiment It will be obvious that various changes and modifications can be made without departing from the spirit and scope of the invention. Such modified embodiments should not be understood individually from the spirit and scope of the present invention, but should be regarded as being within the scope of the claims of the present invention.

10: Smartphone 11: Fingerprint input window
13: memory 15: security module
17: wireless data module 20: blank card
21: Dynamic magnetic display module 23: Clone IC chip
31: display module 33: communication module
35: Battery 37: Dynamic magnetic information generator
38: Card information processing module 39: IC chip emulator
41: MCU 45: Biosensor
50: force device 51: display part
53: input unit 55: magnetic reader
57: IC chip reader 59: NFC reader
60: Wearable bio-signal measuring instrument

Claims (12)

delete delete delete delete A smart phone having a force device including at least one reader selected from a magnetic reader, an IC chip reader, and an NFC reader, and a memory for storing a plurality of card information, and a controller for measuring a bio- 1 bio-signal sensor, a blank card having a replica IC chip having the same interface as the genuine IC chip, and a second bio-signal sensor for measuring a bio-signal of the second body part of the wearer, A blank card payment processing method for processing a card payment through a blank card,
Wherein the blank card sends a request to the wearable bio-signal measuring device to measure a bio-signal,
A second step of sensing the bio-signal of the first body part of the wearer using the first bio-signal sensor,
A third step of transmitting the bio-signal of the first body part sensed in the second step to the wearable bio-signal measuring device,
Wherein the wearable bio-signal measuring device senses a bio-signal of a second body part of the wearer using a second bio-signal sensor according to the request of the first step, A fourth step of determining whether the same person is a person using the signal and the bio-signal of the second body part, transmitting the determination result to the blank card, and the blank card receiving the determination result;
Only when the discrimination result of the fourth step is discriminated as the same person, the blank card transmits a processing algorithm composed of a card information to be used for settlement from the smart phone and a series of instructions for processing the card information, step;
Said blank card comprising: a sixth step of interpreting a processing algorithm;
The blank card converts the card information into a data format stored in a genuine IC (IC) chip provided in a normal plastic card according to the analyzed processing algorithm, and transmits the card information to a replica IC chip having the same interface as the genuine IC chip And a seventh step of storing,
Wherein the bio signal of the first body part and the bio signal of the second body part have different delay characteristics when discriminating whether or not the same person is performed in the fourth step, Wherein the body part is a different body part.
A smart phone having a force device including at least one reader selected from a magnetic reader, an IC chip reader, and an NFC reader, and a memory for storing a plurality of card information, and a controller for measuring a bio- 1 bio-signal sensor, a blank card having a replica IC chip having the same interface as the genuine IC chip, and a second bio-signal sensor for measuring a bio-signal of the second body part of the wearer, A blank card payment processing method for processing a card payment through a blank card,
The blank card includes a first step of transmitting a request to measure a biological signal to a wearable biological signal measuring device,
A second step of sensing the bio-signal of the first body part of the wearer using the first bio-signal sensor,
According to the request of the first step, the wearable bio-signal measuring device senses the bio-signal of the second body part of the wearer using the second bio-signal sensor, and transmits the bio-signal of the second body part to the blank card A third step of receiving the blank card,
A fourth step of determining whether the blank card is the same person by using the bio-signal of the first body part and the bio-signal of the second body part received in the third step,
Only when the discrimination result of the fourth step is discriminated as the same person, the blank card transmits a processing algorithm composed of a card information to be used for settlement from the smart phone and a series of instructions for processing the card information, step;
A sixth step of analyzing the processing algorithm;
The blank card converts the card information into a data format stored in a genuine IC (IC) chip provided in a usual plastic card according to the interpreted processing algorithm, and stores the card information in a replica IC chip having the same interface as the genuine IC chip And a seventh step of:
Wherein the bio signal of the first body part and the bio signal of the second body part have different delay characteristics when discriminating whether or not the same person is performed in the fourth step, Wherein the body part is a different body part.
The method according to claim 5 or 6,
The method as set forth in claim 6,
Further comprising an eighth step of generating payment data of the NFC transmission type by using the card information according to the processing algorithm and transmitting the payment data to the force device.
The method according to claim 5 or 6,
The blank card further includes a magnetic bar,
The step of converting the card information into magnetic information to be recorded in a magnetic bar provided in a normal plastic card according to the processing algorithm and recording the converted magnetic information in a magnetic bar of the blank card Further comprising the eighth step. delete delete delete delete
KR1020160014639A 2016-01-26 2016-02-05 Payment method using blank card system KR101777651B1 (en)

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Publication number Priority date Publication date Assignee Title
US11334872B2 (en) * 2018-05-15 2022-05-17 Mastercard International Incorporated Systems and methods for personalizing payment cards

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WO2023249403A1 (en) * 2022-06-21 2023-12-28 주식회사 터치앤고 Method for supporting nfc payments and authentication, and device therefor
KR102626594B1 (en) * 2023-11-23 2024-01-19 김승호 A kiosk integrated card readers to issue corporate documents

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11334872B2 (en) * 2018-05-15 2022-05-17 Mastercard International Incorporated Systems and methods for personalizing payment cards

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