KR20090035781A - Card module with plural card ics - Google Patents

Card module with plural card ics Download PDF

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Publication number
KR20090035781A
KR20090035781A KR1020070100735A KR20070100735A KR20090035781A KR 20090035781 A KR20090035781 A KR 20090035781A KR 1020070100735 A KR1020070100735 A KR 1020070100735A KR 20070100735 A KR20070100735 A KR 20070100735A KR 20090035781 A KR20090035781 A KR 20090035781A
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KR
South Korea
Prior art keywords
card
chip
function
module
information
Prior art date
Application number
KR1020070100735A
Other languages
Korean (ko)
Inventor
전병욱
Original Assignee
전병욱
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 전병욱 filed Critical 전병욱
Priority to KR1020070100735A priority Critical patent/KR20090035781A/en
Publication of KR20090035781A publication Critical patent/KR20090035781A/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
    • G06K19/072—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 the record carrier comprising a plurality of integrated circuit chips
    • G06K19/0721—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 the record carrier comprising a plurality of integrated circuit chips the plurality of chips mutually cooperating so as to represent itself to the world as a single entity
    • 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
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • G06K19/07707—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual the visual interface being a display, e.g. LCD or electronic ink
    • 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
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07766—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card comprising at least a second communication arrangement in addition to a first non-contact communication arrangement
    • G06K19/07769—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card comprising at least a second communication arrangement in addition to a first non-contact communication arrangement the further communication means being a galvanic interface, e.g. hybrid or mixed smart cards having a contact and a non-contact interface

Abstract

The present invention relates to a card module having a plurality of card IC chips, the card IC for activating the function of the connected card IC chip when the card IC chip for performing at least one function of the financial function and the information providing function is connected And a terminal interface for transmitting and receiving card data from the connection portion and the activated card IC chip to the card reader. Accordingly, card ICs issued by multiple issuers can be integrated into one card module and used selectively without additional equipment such as a mobile phone, a card terminal, and a server for supporting the IC chip control function. Can be used and managed.

Description

Card module with a plurality of card IC chip {Card module with plural card ICS}

The present invention relates to a card module having a plurality of card IC chips, a card having a plurality of card IC chips for integrating card IC chips issued by a plurality of issuers into one card module to be used independently of each other. It is about a module.

IC card is a general term for a card having a card IC (Integrated Circuit) chip that performs payment, approval, authentication, and various information providing functions. According to the interface method with a card terminal, an IC card, a contactless card, a hybrid card, It can be classified as a combination card.

The non-contact IC card is designed to be used in correspondence with a card terminal by embedding an IC chip and an antenna in a card made of a material such as PVC. When the IC card is brought close to the card terminal, it is embedded in the IC card by electromagnetic waves generated from the card terminal. Induced current is generated in the antenna. Accordingly, the IC chip mounted in the IC card is driven through the supplied power and pulse signal to perform the payment function by processing data according to the payment and transmitting / receiving data with the card terminal.

The contact card forms a magnetic stripe of magnetic material on the outside of the card, and records the information on the magnetic stripe data track so that the recorded information can be identified by changing the magnetic field. Accordingly, the contact card may perform a function such as payment and authentication through a dedicated card reader having a head capable of reading information stored in the magnetic stripe.

In addition, there are hybrid cards and combination cards that allow the use of non-contact and contact card systems. In the hybrid card, a contact card and a contactless card are physically present in one card, and each has a separate memory and a separate operating system. On the other hand, the combination card is a card in which a contact card and a contactless card share a memory space and are combined, and share a contact and a contactless interface on a single chip card so that a contact or contactless interface can be supported by the same chip. .

Meanwhile, in recent years, various types of service cards have been provided and used, which is inconvenient for carrying and managing a card of business card size.

Therefore, a technology of mounting a plurality of card information in one card IC chip, and mounting the IC chip in the chip card socket of the mobile phone can be selectively used. However, this conventional technique has a problem that it can be used only when using a mobile phone that can control the IC chip. In addition, in order to select and use the desired card IC chip in the mobile phone, there is a hassle of having to go through the card selection process through the menu by the key operation.

There has also been proposed a technology in which a plurality of card information is mounted on an Internet server, and a user having one IC card can select card information to be used in the Internet server through a card terminal. In this case, there is a problem in that the function can be performed only when various facilities such as a card terminal and a server storing card information are established.

As described above, in the conventional IC card function integration method, there is a problem in that a medium such as a mobile phone supporting the IC chip control function is required or a large-scale facility such as a card terminal or a server must be added.

The present invention has been made to solve the above-mentioned problems, without a separate device such as a mobile phone, card terminal, server, etc. to support the IC chip control function, a card module issued by a number of issued by a single card module It is an object of the present invention to provide a card module having a plurality of card IC chips that can be selectively integrated and used and managed easily.

A card module having a plurality of card IC chips according to the present invention for achieving the above object, when the card IC chip for performing one or more of the financial function and information providing function is connected, A card IC connection for activating the function; And a terminal interface for transmitting and receiving card data from the activated card IC chip to a card reader.

The card module may further include a card IC chip accommodating part for storing a plurality of card IC chips, and at least two shopping card IC connecting parts according to the number of card IC chips accommodating the card IC chip accommodating part. It can be provided above.

The card module may further include: a security data input unit for inputting security information of the card IC chip; An authentication unit configured to store the security information set through the security data input unit and to activate a function of the card IC chip connected to the IC connection unit when the security information input when the card IC chip is used coincides with a preset security information. It may further include.

The card module may further include a display unit for displaying at least one of the card IC information connected to the card IC connection unit, an operation state of the card IC, and the security information setting state. .

On the other hand, the terminal interface is a magnetic stripe of magnetic material applied to one area of the card module; The card module may include a magnetic update unit that writes the information of the card IC chip to the magnetic stripe.

The card module may further include a power supply unit supplying driving power for the operation of the card module.

On the other hand, a card module mounted with a card IC chip for performing at least one of the financial function and information providing function, the card module comprising: a first card body; A card IC chip accommodating part provided on one surface of the first card main body to accommodate a plurality of the card IC chips; A card IC connecting portion provided in an adjacent region of the card IC chip storing portion and printed with a circuit for activating a function of the card IC chip when the card IC chip is connected; It may include a second card body having an opening for receiving and transporting the card IC chip, and is provided to shield the first card body.

The card module may further include a magnetic stripe made of a magnetic material applied to one area of the second card body to store information of the card IC chip.

As described above, the card module having a plurality of card IC chips of the present invention is a card issued by a number of issuers without additional equipment such as a mobile phone, a card terminal, a server, etc. to support the IC chip control function. The IC can be integrated into one card module and used selectively, and it can be easily used and managed by the user.

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

However, in describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

1 is a structural diagram of a card module having a plurality of card IC chips according to the present invention. As shown in FIG. 1, the card module 1 of the present invention includes a first card body 10 made of a synthetic resin material such as PVC, and a plurality of card ICs on a rear surface of the first card body 10. The card IC chip accommodating part 15 provided to accommodate the chip 50 and the card IC connecting part 100 for activating the function of the card IC chip 50 when the card IC chip 50 is connected to each other are provided. Include. Here, the card IC chip accommodating part 15 and the card by using the second card body 20 corresponding to the first card body 10 and the opening 30 for storing and transporting the card IC chip 50 is formed. The circuits may be protected by shielding the IC connection unit 100.

The card IC chip 50 is manufactured in accordance with an integrated circuit chip (ICC) standard such as ISO / IEC 7816 and ISO / IEC 14443, and according to the issuing institution, the financial function such as payment, approval, authentication, etc. Can be done. The card IC chip 50 is connected through a contact point such as a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), an input / output (I / O), and the like. An input / output interface for communicating with the card reader 5, a processor for controlling various functions such as a financial function and an information providing function, and a memory for storing information such as a chip operating system for managing and operating an IC card internal resource. . Thus, when a predetermined power is supplied from the card reader 5 through the VCC contact point, the function of the card IC chip 50 is activated to use the corresponding function.

The card IC chip accommodating part 15 accommodates the card IC chip 50 issued by a user from a financial institution. The contacts of the card IC chip 50 stored in the card IC chip accommodating portion 15 are kept insulated, so that power is not supplied or operated even when the card IC chip is close to the card reader 5. Here, the user may receive each card IC chip 50 through the opening 30 of the second card body 20. The card IC chip 50 accommodated in the card IC chip accommodating part 15 can be manually transferred by the user to the card IC connecting part 100.

The card IC connection unit 100 activates the function of the connected card IC chip 50 so that the corresponding function can be used. Thus, the card IC connection unit 100 can be configured by printing a circuit for activating the contact point provided in the card IC chip 50. The card IC connection unit 100 may be provided in plural so that the card IC chip 50 accommodated in the card IC chip storage unit 15 may be directly transferred and used. In the case where the card IC chip housing 15 is arranged in four directions or the like, the card IC chip 50 may be immediately provided even if only one card IC connection unit is provided in the center where the card IC chip housing 15 is arranged. Can be transferred to the card IC connection for use.

When any card IC chip 50 is activated in the card IC connection unit 100, information stored in the IC chip 50 may be transmitted in a non-contact manner with the card reader.

According to the present embodiment, when the card module 1 performs the non-contact IC card function, a function of performing a transmission / reception operation for data processing with the card reader may be implemented in the card IC connection unit 100. Of course, alternatively, as a separate functional block, as shown in the embodiment of Figure 2, it may be provided with a component that can perform a transmission and reception operation for the card reader and data processing in a non-contact manner. Alternatively, the IC connection unit 100 may be configured to perform only the activation function of the IC chip 50 and the IC chip 50 to directly perform the transmission / reception operation for data processing with the card reader. All such modifications are of course included in the scope of the present invention.

Meanwhile, a magnetic stripe 40 made of a magnetic material for storing information of the card IC chip 50 may be additionally provided at the lower end of the second card body 20. Accordingly, the card module 1 may also perform a contact card function. When the card module 1 performs the magnetic card function, the information of the IC chip 50 is stored in the magnetic stripe 40, and the IC chip 50 information stored in contact with the magnetic stripe 40 and the card reader is stored. Can be sent to the card reader.

2 is a control block diagram of a card module 1 having a plurality of card IC chips according to an embodiment of the present invention.

As shown in FIG. 2, the card module 1 corresponds to a case where a card IC chip accommodating part 15 and a card IC chip 50 are provided to accommodate a plurality of card IC chips 50. A card IC connection unit 100 for activating the function of the card IC chip 50, an IC input / output interface 110 for receiving data from the card IC chip 50 connected to the card IC connection unit 100, and an IC input / output interface. The contactless terminal interface 130 for transmitting and receiving card data input and output via the card reader 5 to the card reader 5, and the data transmitted between the card IC chip 50 and the card reader 5 and other card modules 1. The storage unit 120 stores data used for driving.

The card IC connection unit 100 activates the function of the connected card IC chip 50 and allows the circuit provided in the card module 1 and the card IC chip 50 to be electrically connected to each other. The card IC chip 50 may be activated by being supplied with a driving power when an induced current is generated in an antenna built in the card module 1 by electromagnetic waves transmitted by the card reader 5. Accordingly, the card IC connection unit 100 may be implemented in the form of an antenna for supplying an induced current to the card IC chip 50. In addition, the card IC connection unit 100 may supply driving power to the power supply (VCC) contact point of the card IC chip 50. Circuits that can supply can be applied. The card IC connection unit 100 may be provided in plural numbers in accordance with the number of card IC chips 50 that can be stored in the card module 1.

The IC input / output interface 110 provides the financial information, personal identification information, etc. drawn from the card IC chip 50 to the contactless terminal interface 130 through a memory, and the contactless terminal interface 130 is a card reader 5. Send this information to. The contactless terminal interface 130 transmits the information transmitted by the card reader 5 to the storage 120 and the IC input / output interface 110, thereby transmitting the information transmitted by the card reader 5 to the card IC chip 50. To be entered.

3 is a control block diagram of a card module 1 having a plurality of card IC chips according to another embodiment of the present invention. In describing the exemplary embodiment of FIG. 3, the same reference numerals will be used for the same components as those of FIG. 2 for better understanding of the present disclosure.

As shown in FIG. 3, the card module 1 of the present invention includes a security data input unit 220 for inputting security information of the card IC chip 50 and a card IC chip 50 according to the input security data. Authentication unit 210 for authenticating the use of the device, the display unit 230, and the MS (Magnetic Stripe) update unit 240 for deleting and recording the information of the card IC chip 50 in the contact terminal interface 40 ), The authentication state of the card IC chip 50 through the authentication unit 210, the operation state of the card module 1, etc. are displayed on the display unit 230, and the information of the card IC chip 50 is updated by MS. The control unit 200 may be controlled to be recorded in the contact terminal interface 40 through the unit 240, and may include a power supply unit 250 supplying driving power to these components. In this embodiment, the contact terminal interface 40 may be a magnetic stripe.

The security data input unit 220 may be provided in the form of a keypad to receive a password of each card IC chip 50. In addition, when the security information is input to the user fingerprint, the security data input unit 220 may be provided in the form of a fingerprint reader. Here, the control unit 200 may store the security information set through the security data input unit 220 in the storage unit 120, or the security information is stored in the card IC chip 50 through the IC input / output interface 110. It is possible to.

The authentication unit 210 authenticates whether each card IC chip 50 is used according to the security information input through the security data input unit 220. If the security information inputted as a result of authentication does not match the previously stored security information, use of the corresponding card IC chip 50 is restricted. Here, the usage limit of the card IC chip 50 is controlled by the control unit 200 to block the data input and output to the card IC chip 50, or the card IC chip 50 connected to the card IC connection unit 100. This can be switched to an inactive state. It is also possible to configure the authenticator 210 to limit the use of the card IC chip 50 directly.

The MS updater 240 changes the magnetism of the contact terminal interface 40 applied to the second card module 1 according to the information of the card IC chip 50 input through the IC input / output interface 110, The card information corresponding to the card IC chip 50 currently connected to the card IC connection unit 100 is recorded in the contact terminal interface 40.

The controller 200 may display the card IC information connected to the card IC connection unit 100 and the operation state of the current card IC on the display 230. In addition, when the security data is input, the security data input by the user may be displayed and the authentication result may be displayed on the display 230.

The power supply unit 250 supplies driving power to various circuit components included in the card module 1 so that the display unit 230 can be driven, secure data setting and authentication process, and a contact terminal interface 40. Update process can be performed. The power supply unit 250 may be provided in the form of a battery or a solar battery having a thin photoelectric surface.

With this configuration, the card module 1 can set security information of the card IC chip 50 connected to the card IC connection unit 100 or authenticate the use of the card IC chip 50. In addition, when the card IC chip 50 connected to the card IC connector 100 is changed, the contact terminal interface 40 can also be updated through the MS updater 240, thereby making the contactless / magnetic method possible. Can be used as a combination card.

According to a modified embodiment of the present invention, the card IC chip 50 stores information written on the security card in digital form (text or image) (hereinafter referred to as "security card information"), and the present card module 1 May have a function of displaying the security card information to the user.

For example, the card module according to a modified embodiment of the present invention further includes a user interface (not shown) for the user to inquire security card information (preferably, a keypad for inquiring security card information in FIG. 4 is additionally added. When the user inquires the security card information through the user interface, the control unit 200 displays the security card information stored in the IC chip 50 to the user through the display unit 230. As such, according to the modified embodiment of the present invention, the user does not need to carry different security cards for each bank or store them in a secret place.

4 is a front perspective view of a card module 1 having a plurality of card IC chips according to an exemplary embodiment of the present invention. As shown in FIG. 4, the front surface of the card module 1 of the present invention may include a display unit 230 for displaying data and a security data input unit 220 having a keypad.

As the display unit 230, an LCD which may be mounted on a thin film card module may be employed, and the security data input unit 220 may be provided in the form of a keypad for transmitting a key signal according to a user pressing selection.

In addition, when the solar battery is used as the driving unit, it is also possible to provide a thin film type photoelectric surface on the front surface of the card module.

5 is a block diagram illustrating a modification of the embodiment of FIG. 3 according to an embodiment of the present invention. 5 is a modified example except for the security function in the embodiment of FIG. 3, and thus, the function of FIG. 5 is the same as that of FIG. Thus, in understanding the functionality of the embodiment of FIG. 5, it is sufficient to refer to the description of FIG. 3.

Although the present invention has been described in detail with reference to exemplary embodiments above, those skilled in the art to which the present invention pertains can make various modifications to the above-described embodiments without departing from the scope of the present invention. I will understand. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

1 is a structural diagram of a card module having a plurality of card IC chips according to the present invention;

2 is a control block diagram of a card module having a plurality of card IC chips according to an embodiment of the present invention;

3 is a control block diagram of a card module having a plurality of card IC chips according to another embodiment of the present invention;

4 is a front perspective view of a card module having a plurality of card IC chips according to the present invention;

5 is a control block diagram illustrating a modification of the embodiment of FIG. 3 according to an embodiment of the present invention.

*** Explanation of symbols for the main parts of the drawing ***

 1: card module 5: card reader

10: first card body 15: card IC chip storage unit

20: second card body 30: opening

40: magnetic stripe 50: card IC chip

100: card IC connection 110: IC input and output interface

120: storage 130: contactless terminal interface

200: control unit 210: authentication unit

220: security data input unit 230: display unit

240: MS update unit 250: power unit

Claims (8)

A card IC connection unit for activating a function of the connected card IC chip when the card IC chip for performing at least one function of the financial function and the information providing function is connected; And a terminal interface for transmitting and receiving card data from the activated card IC chip to a card reader. The method of claim 1, Further comprising a card IC chip housing for storing a plurality of card IC chips, A card module comprising a plurality of card IC chips, wherein at least two shopping card IC connection units are provided according to the number of card IC chips that can be stored in the card IC chip storage unit. The method of claim 1, A security data input unit for inputting security information of the card IC chip; An authentication unit configured to store the security information set through the security data input unit and to activate a function of the card IC chip connected to the IC connection unit when the security information input when the card IC chip is used coincides with a preset security information. A card module having a plurality of card IC chip, characterized in that it further comprises. The method of claim 3, wherein And a display unit for displaying at least one of the card IC information connected to the card IC connection unit, the operation state of the card IC, and the security information setting state. Card module having a. The method of claim 1, The terminal interface is a magnetic stripe of magnetic material applied to one area of the card module; The card module has a plurality of card IC chip, characterized in that it further comprises a magnetic updating unit for recording the information of the card IC chip on the magnetic stripe. The method according to any one of claims 1 to 4, The card module having a plurality of card IC chip further comprises a power supply for supplying a driving power for the operation of the card module. In the card module that is equipped with a card IC chip for performing at least one of the financial function and information providing function, A first card body; A card IC chip accommodating part provided on one surface of the first card main body to accommodate a plurality of the card IC chips; A card IC connecting portion provided in an adjacent region of the card IC chip storing portion and printed with a circuit for activating a function of the card IC chip when the card IC chip is connected; And a second card main body having an opening for accommodating and transferring the card IC chip, the second card main body being provided to shield the first card main body. The method of claim 7, wherein And a magnetic stripe formed of a magnetic material applied to one area of the second card main body to store information of the card IC chip.
KR1020070100735A 2007-10-08 2007-10-08 Card module with plural card ics KR20090035781A (en)

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KR1020070100735A KR20090035781A (en) 2007-10-08 2007-10-08 Card module with plural card ics

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101298108B1 (en) * 2012-05-16 2013-08-20 김종선 Card with multi chip

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101298108B1 (en) * 2012-05-16 2013-08-20 김종선 Card with multi chip

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