KR20150015596A

KR20150015596A - RF eName Card

Info

Publication number: KR20150015596A
Application number: KR1020130090573A
Authority: KR
Inventors: 탁승호
Original assignee: 탁승호
Priority date: 2013-07-31
Filing date: 2013-07-31
Publication date: 2015-02-11

Abstract

The present invention relates to a system which includes a name card in a spare memory sector of an ISO1443 PIC prepaid/deferred payment transportation card, and delivers electronic name card information within 10 cm distance of a smart phone embedded with an NFC or EPD/IPC function by recording mileage/point, cash receipt and food stamp. A non-contact type card and an NFC smart phone electronic name card can reduce waste of a paper name card used by being printed on a paper, onerousness, error and time of exchanging the name card and re-inputting information of the name card. The non-contact type card and the NFC smart phone electronic name card enable a card holder, an operator or an affiliated store to be able to create new added value, by inputting personal information to an anonymous transportation card from which a user can not know about micro payment. When transportation card holders of a neglected class of people pay electronically instead of the food stamp, they can pay using a micro payment system and a lower communication network as they are, and a related organization can know information of the food stamp user.

Description

Contactless card and NFC smartphone electronic business card {RF eName Card}

The present invention can be applied to a contactless card or a contactless credit card or an RF-EMV contactless credit card, an anonymous prepaid card, a credit card, or a credit card, instead of a business card printed on paper of a certain size, Transportation cards, NFC smart phones, etc., to electronically exchange electronic business cards with those who first meet and exchange them electronically.

It is not only Korea but also universal practice that most people who live in social life exchange business cards or paper cards with their names and contacts on people they meet for the first time.

Input devices such as a scanner and a camera that can receive business cards printed on paper and scan business card information and convert them into electronic information such as a computer or a smart phone are commercially available and recently have been used in the Internet, Electronic business cards that can be exchanged with wired / wireless communication networks are commercially available.

However, electronic business card exchange method and delivery method have limitations, problems and constraints that are not as simple or as free as paper business cards, and thus it is difficult to expand and spread.

I received a business card printed on a paper with a name, affiliation job contact phone number, e-mail address, etc., and I entered the wrong number in the process of inputting to a computer or smart phone or input a phone number. It is difficult and difficult to find stored business cards. Even though electronic business cards scanned by electronic business card scanners are scanned and managed electronically, problems such as the recognition rate of scanners are becoming a stumbling block.

It is a reality that the people who download the app to the smartphone and make their own business card, exchange the same app for 1: 1 or exchange the electronic business card with the group, are still in parallel with the existing paper business card.

The present invention relates to an apparatus and a method for transferring a name, a telephone number, an e-mail address, an address, an address, and the like to a memory sector / block other than two prepaid areas and three additional used sectors / blocks of an ISO14443 Proximity Integrated Circuit Card (PICC) Business card information such as affiliation, department, and position is recorded in an extra memory sector / block, and the business card information is electronically exchanged through the NFC smartphone or the related information terminal.

An anonymous prepaid transportation card is a payment medium settled as a micropayment means such as a bus, a subway transportation fee payment, and a convenience store by charging a certain amount of money into a card without any information such as an individual's name or unique number.

(SAM) for charging money and the information security network structure of the network server, it is possible to prevent the charged amount from being charged and used. It has its own security structure and it can deal with small amount of transactions offline by a security module for paying a small amount at buses, subway gates, convenience stores, etc., and settle the transactions through the network. As a result, I am using a transportation card.

Meanwhile, the non-contact credit debit card, which has been used in the metropolitan subway of Korea since 1999, records credit card information in ISO14443 PICC 2 sectors / block and 3 additional sectors / blocks. Since the system started to use the system to collect the subway fare by computing the distance by electronically reading the credit card number again from the gate that arrived, the transfer discount is applied in connection with the bus fare collection system to date.

Unlike an anonymous prepaid card, post-pay credit cards have information on the card holder's name, credit card number, expiration date, etc., so that it is inevitable that the privacy of those who use the public transportation is known.

The non-contact credit card, RF-EMV card, which can overcome the problem of privacy invasion, was commercialized as VisaWave of Visa card company and Paypass of MasterCard company. However, back-compatibility problem with post-payment card system developed and commercialized in URANA Because of this, the issue of privacy is neglected and used until now. As a result, it is not possible to pay public transportation charges or micropayments in Korea with the RF-EMV card issued in foreign countries, and it is not possible to use a post-payment transportation card (RF credit card) issued in Korea to go abroad.

In recent years, NFC functions have been incorporated into smartphones, and smart phones are used as contactless credit cards, sometimes as non-contact credit card readers. Smartphones and smart phones are used as peer-to-peer carriers with a carrier frequency of 13.56 MHz Information can be transmitted.

However, there is a serious security problem in SWP (Single Wire Protocole) communication where the NFC communicates through the antenna of the smartphone via the RF module to the outside via the contact terminal "C6" of the USIM card. In other words, EPD (or NFC) that replaces NFC is exposed to serious security vulnerability issues that can not meet the basic security requirements such as ATR (Answer To Reset) and clock synchronization, APDU (Application Protocole Data Unit) required by ISO7816 Part2, Part3, IPCD) is being developed as a new standard in ISO / IEC JTC1 / SC17 / WG8.

The present invention relates to an electronic business card in which a business card information such as a person's contact information and a telephone number is recorded by a legitimate procedure in a common spare memory section of an RF-EMV card, a domestic postpaid transportation card, and an anonymous prepaid transportation card, It is possible to exchange electronic business cards electronically through a terminal, and it is possible to store electronic business cards in NFC / EPD smart phones and exchange them with peers to peers.

When sending an e-mail or sending a message from a smartphone, the sender's electronic card stored in the sender's smartphone is sent as electronic information to the address book of the recipient of the electronic business card, The uncomfortable problems of paper business card exchange can be improved.

Most people who are economically active in almost every country, including Korea, have been using their name cards and contact cards printed on paper for several decades, replacing paper business cards, a long-established paper culture product, with electronic business cards You can eliminate the waste of paper by replacing business cards that people have printed and exchanged on paper with electronic business cards.

It takes a lot of time to re-enter the information printed on a business card into a computer or smart phone, and it is very cumbersome and time-consuming to find a business card to send an e-mail or a fax. When an electronic business card is recorded on a card or a smart phone, the information stored in the electronic business card is automatically sent to the address book of the other party when the electronic business card is delivered and the message is transmitted or the mail is transmitted. It is possible to replace old customs that have been used for printing paper business cards with electronic business cards and become a new medium suitable for the information society.

Anonymous prepaid card issued by a large number of unspecified persons, such as a bus, a subway bill, and a microcredit payment card, and a profit model of a prepaid card issuer and an operating company - An unspecified number of people pay the amount recorded on their anonymous prepaid transportation card However, in reality, there is a merit in that it is a strange debt (?) Which is deposited in TMC's financial account from the time of prepayment of the prepayment traffic card and the accounting account subject to interest income, but at some point an unspecified number of anonymous users , It is possible to collect information of consumers at the time of small payment by inputting personal information to an anonymous prepaid card and to use CRM information such as consumption propensity and consumption pattern of consumers, Can be compensated for.

Especially, the problem that the record such as the mileage point of the user who repeatedly uses the anonymous prepaid card continuously is limited to the card itself, rather than the information of the card holder, is not used as the electronic ID card but is utilized by the electronic card information It is possible to create great added value between the cardholder individual as well as the operating company.

FIG. 1 shows an example of an anonymous prepaid transportation card and two post-payment transportation cards each using two prepaid sectors / blocks of 16 sectors / block and three sectors / three sectors / blocks
FIG. 2 shows an example in which an electronic business card, mileage / point, and double mileage information are recorded by a proper authentication procedure of an issuer in a memory block excluding two prepaid and two postpaid + three sectors /
FIG. 3 is a flowchart illustrating a mileage / point double mileage update and card information collection CRM application
FIG. 4 shows an example of transmission of an RF traffic card electronic business card to an NFC smartphone or EPD / IPCD smartphone
FIG. 5 shows an example of issuing an electronic business card of an RF traffic card using a transportation card charger (ISO14443 PCD)
6 is an example in which the electronic name card is exchanged with PEER TO PEER between NFC smartphones
7 shows an example of sending an SMS message by attaching an electronic business card recorded in a smart phone
FIG. 8 is a flowchart illustrating an example of a method of processing a cash receipt for a food stamp payment, an electronic business card, and an RF traffic (prepaid / postpaid) card in which a cash receipt ID is recorded,
FIG. 9 shows a comparison of the electronic identification card, the pass, and the electronic card requirement
10 ISO7501, ICAO9303 Electronic business card example using electronic passport general information
Fig. 11 ISO7501, ICAO9303 Electronic business card example using general information of the ePassport data group

BACKGROUND OF THE INVENTION AND RELEVANT INTERNATIONAL STANDARDS: An anonymous prepaid transportation card, as shown in FIG. 1, which was first used in the world in 1996 in the capital city of Seoul, is a My Fair Card developed by Micron Corporation (2) ), Prepaid card area of 5 (other pre-paid sectors) prepaid card area charges and prepaid traffic card in proximity to the terminal installed in the bus of Seoul city bus at 8725 by the Seoul bus business transport association, It started to be used as a payment method and is being used until now.

Prior to the creation of the international standard ISO14443 in 1996, it was before the subway postpay RF credit card (4) was commercialized in 1999. In addition, prior to the merger with Philips (currently NXP) in the Netherlands, the Austrian Micron formed ISO14443 in ISO / IEC JTC1 / SC17 / WG8, and the ISO 14443 was created in urgency, but most of the international standards were taken by Micron's My Fair .

Since then Innobatron of France has developed the ISO14443 Type B technology and the existing My Fair has been established as the ISO14443 Type A international standard and the international standard which is compatible with ISO14443 Type A (ASK100%) and Type B (ASK10%) is completed .

Meanwhile, Sony Corporation of Japan developed a Felica card using ASK 10% modulation technology like ISO14443 Type B. However, after developing Felica adopting new Manchester modulation method to avoid patent of French Innovatron, C), but has been rejected by ISO / IEC JTC1 / SC17 / WG8, and the international standard has failed.

Japan Sony has introduced NFC (Near Field Communication), which is compatible only with Felica card, ISO14443 Type A and Philips Mifare card, by bringing Philips (now NXP) in the Netherlands to ISO / IEC JTC1 / SC6, .

As a result, NFC has become incompatible with ISO14443 Type, and the ISO7816 C6 Single Wire Protocole (SWP) NFC communication security vulnerability can not be solved. (These facts are not disclosed in any literature, but are intended to illustrate the invention based on what the inventor has been working on for 24 years with the International Commission on Standards (ISO / IEC JTC1 / SC17)

ISO 14443 PCD and PICC in ISO / IEC JTC1 / SC17 / WG8 to solve the security problem and compatibility problem of NFC have EPD (Extented Proximity) as shown in FIG. 4 and FIG. 6, Device) or iPCD (Interactive Proximity Coupling Device) as a new international standard.

Specifically,

An anonymous prepaid transportation card (1) and a postpaid transportation card (4) used in Korea are provided with 2 sectors (2) and 3 additional sectors (28) in the prepaid card area And several additional sectors 28, such as transfers, are used in the two credit card area sectors 5 of the deferred card 4. [

Accordingly, as shown in FIG. 2, for example, mileage / point (8) and double mileage in seven sectors, student identification card / ID card (9) The business card 36 is recorded in 8.9, 10 sectors, and the food stamp is recorded in 11 sectors, respectively, for various purposes.

An ISO14443 PICC traffic card issued by an existing prepaid traffic card or a deferred transportation card is placed on a charging card in a traffic card charger 29 as shown in Fig. 5 installed in the subway history, and the personal information The PCD terminal of the traffic card charger writes the mileage 8, the electronic business card 36, and the like as shown in FIG. 2 on the traffic card to the memory sector through authentication of the server 30 through the wired / wireless communication network 31 do.

Another method of recording an electronic business card on a smart phone or a transportation card is to bring the transportation card 23 close to the NFC, EPD / IPCD smartphone 18.25, and send it via the mobile communication wireless network 12 The electronic card can be recorded on the transportation card or directly recorded on the smart phone via the authentication of the traffic card server 11. Another way is to record electronic business cards directly on the NFC, EPD / IPCD smartphone itself.

Electronic business card delivery: If the transportation card 23 in which the electronic business card is recorded is brought close to the electronic business card exchange mode as shown in FIG. 4 according to the guidance of the NFC / EPD / IPCD smartphone application, the electronic business card of the transportation card can be transmitted to the smartphone .

Electronic Business Card Exchange: As shown in FIG. 6, electronic business cards can be exchanged between NFC / E in which electronic business cards are recorded and IPCD smart phones at a distance of 10 cm from one another.

Alternatively, as shown in FIG. 7, when a message is transmitted or an email is sent, when an electronic business card is attached and sent, the recipient records the electronic business card in the smartphone contact and inputs the information recorded in the email address, You can use it at any time without asking.

In order to prevent the repetition of electronic business card, it is possible to prevent the repetition or double dispatch by recording the dispatching flag in the address book.

On the other hand, when adding an electronic business card to a transportation card, information of the electronic business card is recorded in the servers (30, 11) which have been authenticated, and the transportation fee is paid by the existing anonymous prepaid card (1) Instead of not knowing how much you paid, instead of collecting information such as WHO WHO WHO HOW MUCH was given from the POS terminal 34 as shown in FIG. 8, It can be used as high value CRM information such as customized sale information such as personal taste or purchase pattern.

In addition, when you make a small payment at a convenience store, a drugstore, or a fast-food restaurant, you need to record mileage / points, and give a separate coupon card to attract customers as regular customers (for example, Etc.) in the Double Mileage Sector, so that every time you receive it, you will be able to attract and manage regular customers by recording the thoughtful paper punching coupons as Double Miles.

In addition, it is possible to electronically replace the inconvenience of inputting the resident registration number at the time of each settlement by recording, for example, a cash receipt separately requested in the small amount settlement in the sector 10, for example.

On the other hand, food stamps (16) are recorded at the eup, myeon, and dong office of the transportation card used by the low-income marginalized groups such as the underprivileged children and the uncertified elderly, and the food stamp By recording the amount, you can purchase food, medicine, and other specified items free of charge at a convenience store or supermarket with food stamps.

As shown in Figs. 10-1 and 10-2, the ePassport records personal information of an individual who can access information defined in the ISO7501 and ICAO9303 standards without any special authority.

For example, when you check-in at a hotel and install an app on your EFT-POS terminal, you can collect CRM information corresponding to your electronic business card, and send out e-mails to your regular customers and manage your customers with special promotions.

As shown in FIG. 9, the identification (student ID), the passport, the book lease, and the ID and the like are required to have a function of preventing the issuer from identifying and modifying the issuer, that is, authentication of the issuing institution, prevention of tampering and tampering. However, since electronic business cards are electronicized business cards that have been used to print basic contact information such as a person's telephone number and e-mail address on a paper sheet and present it to the other party, authentication and verification are not necessarily required.

When the personal information of the electronic business card is additionally recorded on the transportation card, the individual can prevent the waste of the paper business card which is printed on the paper and delivered to the other party, and the other party can use the paper card Can be reduced.

1. ISO14443 PICC memory block / sector 2. Anonymous prepaid card Prepaid area
3. prepayment security module (SAM) 4. ISO14443 PICC deferred card
5. Postpaid (credit card) memory area 6. Postpaid security module (SAM)
7. ISO14443 Line / Postpay Card Example of Electronic Business Card Memory Area
8. Mileage / Points, Double Mileage (E-Coupon) Memory Area
9. Cash receipt ID 10. School, ID card issuer
11. Pre-paid transportation card server 12. Wired / wireless network
13. Electronic Business Card Deposit Security Module 14. Food Stamp Server
15. Issuer of Food Stamps for Eup, Myeon, and Dong Office
16. ISO14443 Transportation Card Food Stamp Memory Area
17. CRM DB 18. NFC Smartphone
19. NFC USIM 20. NFC USIM C6 SWP terminal
21. NFC RF module 22. NFC RF loop antenna
23. ISO14443 PICC transportation card 24. ISO14443 13.56MHz operation volume
25. Smart phones without NFC (eg IPHONE)
26. USIM with EPD / IPCD and loop antenna
27. 26 ISO7816 ISO14443 COB PIN function 28. Additional use sector
29. An example of a transportation card amount charger that has an electronic business card addition screen
30. Traffic card server 31. Wired / wireless network
32. Transportation Card Amount Charger Electronic Business Card Issuance, Food Stamp Charging User Screen
33. Example of sending an SMS message with an electronic business card
34. Convenience store EFT-POS / POS terminal 35. Example of student ID card, book lease card and pass
36. Business cards, electronic business cards

Claims

Anonymous prepaid transportation card and post-paid transportation card or RF-EMV credit card, NFC / EPD / IPCD USIM Two memory sectors of 16 sectors each, prepaid card area 2 sectors and deferred card Credit card area 2 An electronic business card in which existing paper business card information such as a name, a telephone number, an e-mail address, a name of affiliation, a position, an address and a photograph is recorded as digital information in an extra memory sector /

A transportation card charger for inputting personal information to an extra memory sector / block of an anonymous prepaid card or an RF credit card to issue an electronic business card to a transportation card charger or a dedicated terminal or a financial unattended transaction (ATM) terminal, Configuration, server and network systems.
The electronic business card of claim 1 is authenticated by an anonymous prepaid transportation card, a deferred transportation card, a smartphone having RF-EMV function and / or a smartphone memory through a mobile phone communication network of an NFC / EPD / IPCD USIM Additional recorded electronic business cards.

Payment of the mileage / points, double mileage electronic coupon information and electronic coupon / mileage payment / payment at the POS terminal by recording the mileage / point and double mileage electronic coupon in the electronic business card of the claims 1 and 2 A system that allows you to issue mileage / points, double miles, electronic coupons, and replace payments / payments with mileage / double mileage.

A prepaid / postal transportation card that can be used in conjunction with the electronic business cards of claims 1, 2, and 3 and can also be used as an electronic business card, student card, booklet, and passbook by recording additional ID / ID and pass.

Food stamps issued by eup, myeon, government offices and related organizations are recorded in the transportation card for children who are under-illinated or elderly without health insurance, and are provided by transportation card chargers or other financial ATM terminals every month The system records the amount of food stamps and allows you to purchase food products such as food stamps at convenience stores, pharmacies and food banks free of charge.

Download the electronic business card application to smart phone or mobile phone including NFC function, EPD / IPCD function, execute electronic business card exchange application, and send electronic business card to 13.56MHz at 10Cm distance NFC, EPD, IPCD electronic business card exchange system to exchange with PEER TO PEERER.

When the electronic business card of claim 1 is read and stored by the smartphone or the mobile phone of claim 6 and the electronic business card information is included in the received message or the e-mail, A system that can be stored and used without re-entry by the recipient, and an electronic card information address book having a flag indicating whether or not the electronic business card is repeatedly shipped.

ISO7501, ICAO9303 System that can manage customer service by reading the electronic business card information corresponding to claim 1 of the personal information recorded in the ePassport to ISO14443 PCD.

When collecting a small amount of money with a prepaid card or a prepaid card, collects the electronic business card information, personal identification information, and personal information of the claims 1, 3, and 4 in the payment amount of the prepaid transportation card and post- (WHAT) and how much (HOW MUCH) it has purchased and purchased from the POS 34. The WHO information is stored in the CRM information, It is a system that can collect customized sales information such as personal preference and purchase pattern through a message or e-mail to provide customized customer management.

A system in which cash receipt information is additionally recorded on the prepaid and deferred transportation card of claim 1 and the cash receipt information is automatically input in the case of a small amount payment.