KR20100062525A

KR20100062525A - Card module with plural card ics and system using the same

Info

Publication number: KR20100062525A
Application number: KR1020080121208A
Authority: KR
Inventors: 전병욱
Original assignee: 전병욱
Priority date: 2008-12-02
Filing date: 2008-12-02
Publication date: 2010-06-10

Abstract

PURPOSE: A card module equipping a plurality of IC card chips and a system using the same for increasing the security function of a magnetic strip are provided to selectively use the IC card chips by integrating IC card chips by a plurality of an issue company. CONSTITUTION: A plurality of IC chips performs one or more functions among a financial function and an information offering function. A chip selecting unit selects one of a plurality of card IC chips. An MS(Magnetic Strip) unit(105) stores the information. An MS record(109) records the information stored in the selected card IC chip in the MS unit.

Description

Card module having a plurality of card IC chips and a system using the same {Card module with plural card ICS AND SYSTEM USING THE SAME}

The present invention relates to a card module having a plurality of card IC chips, which can be used independently by integrating the card IC chips issued by a plurality of issuers into a single card module, and have a plurality of card ICs having enhanced security functions. It relates to a card module having a chip.

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. 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.

In addition, in the case of a card having a magnetic strip, since it is necessary to directly contact the reader, there is a problem in that security is vulnerable because it can be easily duplicated.

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.

In addition, an additional object of the present invention is to provide a card module with enhanced security of the magnetic strip.

Another object of the present invention is to provide a payment system using a card module having at least one of the above objects.

A card module having a plurality of card IC chips according to the present invention for achieving the above object includes a plurality of IC chips for performing one or more functions of a financial function and an information providing function; A chip selector capable of selecting any one of the plurality of card IC chips; An MS unit capable of storing information, and an MS recorder for recording information stored in the selected card IC chip into the MS unit.

The card module further includes an OTP generating unit for generating an OTP. When the IC chip is selected by the chip selecting unit, the OTP generating unit generates the OTP, and the MS recording unit is generated by the OTP generating unit. The information stored in the selected OTP and the IC chip selected by the chip selector may be recorded in the MS unit.

The card module may further include a display unit, and the display unit may display an OTP generated by the OTP generating unit.

On the other hand, the card module, the password input unit for receiving a password from the user; And a password authentication unit for authenticating the validity of the input password. The card module may operate only when the password is valid.

Payment system using a card module having a plurality of card IC chip according to the present invention for achieving the above object, a plurality of IC chips for performing one or more functions of a financial function and information providing function, the plurality of cards A chip selector for selecting any one of the IC chips, an MS unit for storing information, an OTP generator for generating OTP, an OTP generated by the OTP generator and stored in an IC chip selected by the chip selector A card module including an MS recording unit for recording information in the MS unit; A reader receiving a payment request from the card module; A payment server that authenticates the validity of the payment based on the information read by the reader; And an authentication server for authenticating the OTP validity based on the OTP included in the information read by the reader, wherein the payment server accepts the payment request only when the validity and the OTP validity of the payment server are authenticated. can do.

On the other hand, the payment server is a plurality, each of the plurality of payment server, each corresponding to the plurality of IC chips, the payment server corresponding to the selected IC chip can authenticate the validity of the payment.

According to another aspect of the present invention, there is provided a card module including a plurality of card IC chips, the plurality of IC chips performing one or more of a financial function and an information providing function; A chip selector capable of selecting any one of the plurality of card IC chips; An MS unit capable of storing information, and a communication unit for transmitting the information stored in the selected card IC chip to the card reader.

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. In addition, the security function of the magnetic strip is enhanced, so that the card module provided with the magnetic strip can be used with confidence.

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 Figure 1, the card module 100 of the present invention, the card body 120 is made of a synthetic resin material such as PVC, a plurality of IC (IC) chips (107a, 107b, 107c) mounted to the card body (Hereinafter, collectively referred to as "107" when there is no need to distinguish them separately), chip selector 101, power supply 103, magnetic strip 105 (hereinafter referred to as "MS section"), magnetic strip recording section (Hereinafter referred to as "MS recorder").

At least two IC chips mounted on the card body may be mounted by being detached or embedded therein. For example, the IC chips may be manufactured according to an integrated circuit chip (ICC) standard such as ISO / IEC 7816 or ISO / IEC 14443. The card IC chip 107 may be provided with a power supply (VCC), a reset signal (RST), and a clock signal according to the issuing authority. Controls various functions such as input / output interface, which communicates with the card reader 550, and financial functions and information providing functions through contact points such as CLK, ground (GND), programming power supply (VPP), input / output (I / O), and the like. And a memory for storing information such as a chip operating system for managing and operating internal resources of the IC card, etc. When the predetermined power is supplied from the card reader 550 through the VCC contact point, the card IC chip ( 50) function is activated to In the case where the IC chips 107a, 107b, and 107c are embedded in the present card module, for example, the IC chips can be implemented as a circuit.

The card module 100 may perform a plurality of functions such as financial settlement, point accumulation and deduction, information provision, and the like based on the information stored in the IC chips 107a, 107b, and 107c. In the present specification, the term "payment request" is used to mean a request for financial settlement, or earn or deduct points, request for information, and the like.

The chip selector 101 provides a function of selecting any one of the IC chips 107a, 107b, and 107c.

The chip selector 101 according to an embodiment of the present invention may be a printed circuit. When the chip selector 101 is implemented as a circuit, the chip selector 101 is positioned to be spaced apart from each IC chip. When the external force is applied to the chip selector 101, the chip selector 101 is applied. The IC chip can be energized by being attached to the IC chip. For example, when the chip selector 101 is pressed by hand, it may be energized with any one of the IC chips 107a, 107b, and 107c. While pressing the chip selector 101 by hand, the MS unit 105 may transmit and / or receive information through a contact or non-contact method with a card terminal (not shown).

According to an exemplary embodiment, the chip selector 101 may be provided in plural numbers so as to correspond to IC chips, respectively. Each of the plurality of chip selectors may face the IC chips at a spatially short distance from each other, and by pressing the IC chip or the chip selector to be selected, the IC chip and the chip selector are connected to each other.

In this way, the users using the present card module can select the IC chips by pressing the chip selector 101 by hand in selecting the IC chips. For example, although a means such as a switch may be used, care may be taken in designing to minimize the thickness of the card module 100.

As another example, the IC chip may be selected by pushing or pulling a specific IC chip to a predetermined position among the IC chips 107a, 107b, and 107c. The predetermined position acts as a chip selector implemented in a circuit. As such, in the case of selecting the IC chip by pushing or pulling the IC chip, the thickness of the card module 100 should be minimized. Examples of selecting an IC chip by mounting a plurality of IC chips and pushing or pulling them to a predetermined position include the title of "Card module having a plurality of card IC chips" filed Oct. 8, 2007 and application number 10-2007. The techniques described in the patent application specification of -0100735 and the patent application of 10-2007-0100735 are incorporated as part of this specification.

The MS unit 105 is in magnetic contact with a contact terminal (not shown), and the MS unit 105 may store information by the operation of the MS recording unit 109. The MS recording unit 109 may store, in the MS unit 105, information for payment stored in the IC chip selected by the chip selecting unit 101.

The MS recording unit 109 records the information stored in the IC chip 107 selected by the chip selecting unit 101 in the MS unit 105. The MS recording unit 109 may delete information previously stored in the MS unit 105 and record the information stored in the currently selected IC chip 107 in the MS unit 105.

According to an embodiment of the present invention, the MS recording unit 109 can ensure that information common to the IC chip is always stored in the MS unit 105. Alternatively, since the purpose or the manufacturing location of the IC chip may be different from each other, the MS recording unit 109 may store only the information stored in the currently selected IC chip 107 in the MS unit 105.

The power supply unit 103 provides power required for each component, and the power supply unit 103 may include a replaceable battery or a rechargeable battery recharged by solar energy or kinetic energy. On the other hand, the power supply 103 is an optional component, when the power is supplied from the outside through RF, etc., the power supply 103 may not be required separately.

The moment the IC chip is selected by the chip selector 101, the MS recording unit 109 writes the information stored in the selected IC chip to the MS unit 105. Thereafter, when the MS unit 105 comes into contact with the contact terminal (not shown), payment is performed by the selected IC chip.

An embodiment of selecting an IC chip by pushing or pulling a specific IC chip to a predetermined position will be described in detail with reference to FIGS. 8 and 9.

8 is a rear photo of the card module according to an embodiment of the present invention, FIG. 9 is a photo of the front and back of the IC chip according to an embodiment of the present invention, and FIG. 10 is an embodiment of the present invention. Shows a rear photo of the IC card module.

Referring to FIG. 8, the card module includes IC chips 807a, 807b, 807c, 807d, and 807e, a chip selector 801, an MS unit 805, a card body 820, and an MS recording unit (not shown). Include.

As shown in FIG. 8, the IC chip can be selected by sliding the IC chip 807b down to contact the chip selector 801. When the back surface of the IC chip 807b is in contact with the chip selector 801, the MS recording unit writes the information stored in the IC chip 807b to the MS 805.

A card module according to another embodiment of the present invention will be described with reference to FIG. 10. Referring to FIG. 10, the card module includes IC chips 1007a, 1007b, 1007c, 1007d, 1007e, 1007f, 1007g, 1007h, chip select unit 1001, MS unit 1005, and card body 1020a, 1020b. And an MS recorder (not shown).

The card bodies 1020a and 1020b have a structure that can be separated from each other or adhered to each other based on a dotted line. In Fig. 10, the card bodies 1020a and 1020b are separated from each other.

If the IC chip 1007h is to be selected among the IC chips, the card bodies 1020a and 1020b are folded based on the dotted lines in the state of FIG. 10. As a result, the IC chip 1007h is electrically attached to the chip select unit 1001, and the MS recording unit (not shown) reads the information stored in the IC chip 1007h and writes it to the MS 1005.

If you want to select another IC chip (e.g. IC chip 1007c), first remove the IC chip 1007h and place the IC chip 1007c in place. The removed IC chip 1007h is in place of the original IC chip 1007c. Subsequently, when the card bodies 1020a and 1020b are folded, the IC chip 1007c and the chip selector 1001 are electrically attached to each other, and the MS recorder (not shown) reads the information stored in the IC chip 1007c to MS. It is written at (1005).

In the present embodiment, the chip selector 1001 and the IC chip 1007c have been described as being in electrical contact, but this is only an example, and for example, magnetic contact is also possible.

2 is a functional block diagram of a card module having a plurality of chips according to another embodiment of the present invention.

2, the card module 200 includes a chip selector 201, a power supply 203, a communication unit 205, and IC chips 207a, 207b, and 207c.

When the IC chip is selected by the chip selector 201, the information stored in the selected IC chip is transmitted to the card terminal (not shown) through the communication unit 205. Here, the communication unit 205 may be implemented in a configuration including a coil-type antenna for wireless communication.

The communication unit 205 may transmit information to the card terminal (not shown), or may receive information from the card terminal (not shown). The information received by the communication unit 205 may be stored in the selected IC chip.

Since the chip selector 201 and the power supply 203 perform the same functions as in the above-described embodiment of FIG. 1, a detailed description thereof will be omitted.

3 is a functional block diagram of a card module having a plurality of chips according to another embodiment of the present invention.

Referring to FIG. 3, the card module 300 includes a chip selector 301, a power supply 303, an MS unit 305, an IC chip 307a, 307b, and 307c, an OTP generator 311, and an MS. And a recording unit 309.

When the IC chip is selected by the chip selector 301, the OTP generator 311 generates an OTP by an OTP (One time Password) generation algorithm. The OTP generation algorithm may be an algorithm implemented by a secret key encryption method including, for example, a hashing algorithm, and the encryption method may be implemented through various methods such as DES, T-DES, or ARIA. Can be.

The MS recording unit 309 records in the MS unit 305 the OTP generated by the OTP generating unit 311 and information stored in the IC chip selected by the chip selecting unit 301.

Since the chip selector 301 and the power supply 303 perform the same functions as in the above-described embodiment of FIG. 1, a detailed description thereof will be omitted. However, in the present embodiment, since there are many components that consume power, such as the OTP generating unit 311, it is preferable to provide the power supply unit 303 itself.

The MS unit 305 stores the OTP generated by the OTP generating unit 311 and the information stored in the IC chip selected by the chip selecting unit 301 by the operation of the MS recording unit 309.

Thereafter, when the MS unit 305 is in contact with the contact terminal (not shown), the information stored in the MS unit 305 is transferred to the contact terminal.

4 is a functional block diagram of a card module having a plurality of chips according to another embodiment of the present invention.

Referring to FIG. 4, the card module includes a chip selector 401, a power supply 403, an MS unit 405, an IC chip 407a, 407b, 407c, an OTP generating unit 411, and an MS recording unit 409. ), And a display unit 413.

The chip selector 401, the power supply unit 403, the OTP generating unit 411, the MS unit 405, and the MS recording unit 409 perform the same functions as in the above-described embodiment of FIG. Let's do it.

The display unit 413 may display, for example, the OTP generated by the OTP generating unit 411. Therefore, the card module according to the embodiment of FIG. 4 may be used as an OTP generator when OTP is required, such as Internet banking.

The OTP can be used individually for each bank, but since it can be used uniformly, the OTP generated by the card module will be able to deal with all banks.

For example, when using OTP in a transaction with a bank, such as Internet banking, the user of the card module 400 may select an arbitrary IC chip using the chip selector 401, and may use any IC chip. Even if this is selected, the OTP generator 411 may generate the OTP. Alternatively, in some embodiments, a separate user interface for the operation of the OTP generator 411 may be provided.

5 is a functional block diagram of a payment system using a card module having a plurality of chips according to an embodiment of the present invention.

Referring to FIG. 5, the payment system includes a card module 500, a reader 550, a payment server 570, and an authentication server 590.

As the card module 500, for example, a card module as illustrated in FIGS. 1 to 4 may be selected. The card module 500 performs a payment request to the reader 550 described later.

The reader 5550 is a terminal and may read and / or write information stored in the card module 500 in a contact or contactless manner with the card module 500, and in some cases, power is supplied to the card module 500. Can provide.

The payment server 570 performs a payment operation based on the information read by the reader 550. Meanwhile, the payment server 570 may accept the payment request only when the payment is valid and the OTP is valid.

As can be seen in the above examples, the card module 500 includes a plurality of IC chips, and any one of the IC chips is selected to perform a payment operation. Therefore, the payment server 570 may perform a payment operation corresponding to each IC chip so as to process each IC chip. Alternatively, a plurality of payment servers may be provided to perform a payment operation corresponding to each IC chip.

Alternatively, the payment system may further include a server that handles payment, such as a VAN company server (not shown). In this case, all information read by the reader 550 is transmitted to the VAN company server. In addition, the VAN company server performs a necessary payment operation based on the received information, and transmits the necessary information to each of the payment servers that operate corresponding to the IC chips.

When the OTP is included in the information read by the reader 550, the authentication server 590 performs an OTP authentication operation.

Thereafter, when the OTP validity authentication is completed by the payment server 570 and the authentication server 590, the authentication result is transmitted to the reader 550, and the reader 550 displays the authentication result to the user. .

Preferably, the reader 550 may indicate the reason when payment authentication or OTP validity authentication is invalid.

6 is a flowchart illustrating an operation of a card module having a plurality of chips according to an embodiment of the present invention.

Referring to FIG. 6, when an IC chip is selected by the chip selector (S601), only the selected IC chip is activated (S603), and the OTP generator generates OTP (S605). If the authentication of the authentication server 590 and the payment server 590 is valid (S607: Y), the payment operation is performed (S609), and if the authentication is not valid (S607: N), the authentication is not displayed (S611).

In this embodiment, S603 and S605 have no back and forth in time, and any operation may be performed first.

Referring to FIG. 7, the card module includes a chip selector 701, a power supply unit 703, an MS unit 705, an IC chip 707a and 707b, an OTP generator 711, an MS recording unit 709, And a display unit 713, a password input unit, and a password authentication unit.

The chip selector 401, the power supply unit 403, the OTP generator 411, the MS unit 405, the MS recording unit 409, and the display unit 413 perform the same functions as in the above-described embodiment of FIG. 4. Therefore, detailed description will be omitted.

The password input unit 713 is a user interface that can receive a password from the user.

The password authentication unit 715 authenticates the validity of the input password, and stores, for example, a previously input password, and compares the password inputted through the password input unit 713 with the previously input password. Validity can be authenticated.

Only when the password is valid, the card module operates. For example, if the password is not valid, the chip selector 401, the power supply unit 403, or the OTP generator 411 may not operate. If the password is not valid, the power supply unit 403 may not supply power to other components.

In the above-described embodiment of FIGS. 1 to 4 and 7, all components are illustrated as being connected by a common line to each other, but alternatively, only components that interact with each other may be individually connected.

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. 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 functional block diagram of a card module having a plurality of chips according to an embodiment of the present invention;

2 is a functional block diagram of a card module having a plurality of chips according to another embodiment of the present invention;

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

4 is a functional block diagram of a card module having a plurality of chips according to another embodiment of the present invention;

5 is a functional block diagram of a payment system using a card module having a plurality of chips according to an embodiment of the present invention;

6 is a flow chart for explaining the operation of the card module having a plurality of chips according to an embodiment of the present invention;

7 is a functional block diagram of a card module having a plurality of chips according to an embodiment of the present invention;

8 is a rear photo of the card module according to an embodiment of the present invention;

9 is a photo of the front and back of the IC chip according to an embodiment of the present invention, and

10 is a rear view of the IC card module according to an embodiment of the present invention.

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

100, 200, 300, 400, 500: Card module

101, 201, 301, 401: chip selector

103, 203, 303, 403: power supply

105, 305, 405: MS part

109, 309, 409: MS log

311, 411: OTP generator

205: communication unit

107a, 107b, 107c, 209a, 207b, 207c, 307a, 307b, 307c, 407a, 407b, 407c: IC chip

550: reader

570: payment server

590: authentication server

Claims

A plurality of IC chips for performing at least one of a financial function and an information providing function;

A chip selector capable of selecting any one of the plurality of card IC chips;

MS section that can store information: and

And a MS recording unit for recording information stored in the selected card IC chip into the MS unit.

The method of claim 1,

It further includes an OTP generating unit for generating an OTP,

When the IC chip is selected by the chip selector, the OTP generator generates OTP,

And the MS recording unit records the OTP generated by the OTP generating unit and the information stored in the IC chip selected by the chip selecting unit in the MS unit.

The method of claim 1,

Further comprising;

The display module comprises a plurality of card IC chip, characterized in that for displaying the OTP generated by the OTP generating unit.

The method of claim 1,

Password input unit for receiving a password from the user; And

And a password authentication unit for authenticating the validity of the input password.

And the card module operates only when the password is valid.

A plurality of IC chips for performing one or more functions of a financial function and an information providing function, a chip selector for selecting any one of the plurality of card IC chips, an MS part for storing information, and an OTP generating part for generating an OTP And a card module including an MS recorder for recording the OTP generated by the OTP generator and information stored in the IC chip selected by the chip selector to the MS.

A reader receiving a payment request from the card module;

A payment server that authenticates the validity of the payment based on the information read by the reader; And

And an authentication server for authenticating OTP validity based on the OTP included in the information read by the reader.

The payment server, the payment system using a card module having a plurality of card IC chip, characterized in that accepting the payment request only when the validity and OTP validity of the payment server is authenticated.

The method of claim 6,

The payment server is a plurality,

Each of the plurality of payment servers corresponds to each of the plurality of IC chips,

The payment system using the card module having a plurality of card IC chip, characterized in that the payment server corresponding to the selected IC chip authenticates the validity of the payment.

A chip selector capable of selecting any one of the plurality of card IC chips;

MS section that can store information: and

And a communication unit for transmitting the information stored in the selected card IC chip to a card reader.