KR20150089295A - Near field credit card and manufacturing method thereof - Google Patents

Abstract

An NFC credit card is disclosed. According to an embodiment of the present invention, the NFC credit card comprises: a main frame including metallic materials; a front sheet combined with the main frame unit, which includes metallic materials; a non-contact payment module unit placed in the main frame for saving payment information to perform payment to a payment terminal by a wireless signal; a wireless antenna connected to the non-contact payment module unit for generating induced power for the operation of the non-contact payment module unit when the non-contact payment module unit approaches the payment terminal and for transmitting a wireless signal; and a protective sheet placed in between the front sheet and the wireless antenna for performing at least one operation from among increasing a wireless signal output from the wireless antenna and protecting when the non-contact payment module unit approaches the payment terminal.

Description

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BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to an NFC credit card, and more particularly, to an NFC credit card in which settlement information is recognized at a close distance and settlement can proceed.

Generally, credit cards are a means of payment that can be used in place of cash.

Such a credit card can be classified into a regular card made by stacking a plurality of plastic sheets, and a premium card in which a metal sheet and a plastic sheet are stacked and adorned with various patterns and aesthetics.

Further, the credit card is provided with a magnetic or IC chip that provides payment information so that payment can be made at the card terminal. At this time, the NFC technology is applied to the IC chip so as to provide the payment information embedded in the chip at a close distance.

The high-grade card is manufactured by superimposing the metal material on the plastic sheet. The magnetism of the attached magnet and the IC chip were not abnormal, but the radio signal for the IC chip could be absorbed by the metal material.

That is, a radio wave signal used in an IC chip generates a radio signal in accordance with an electromagnetic induction phenomenon. Such a radio wave signal is so weak that it is easily absorbed into a metal material, so that a radio wave signal is not properly transmitted to a payment terminal.

In the high-grade card in which the IC chip is mounted on the conventional metal sheet, radio waves generated during wireless communication are absorbed by the metal material, and there is a difficulty in wireless communication between the RF antenna built in the IC chip and the payment terminal.

Korean Patent Application No. 10-2012-129508

In an embodiment of the present invention, an NFC technique is applied to block the phenomenon that radio waves of wireless communication occurring between an IC chip of a high-grade card using a metal material and a payment terminal are absorbed by a metal material, And to provide an NFC credit card in which the communication between the IC chip and the payment terminal is smoothly performed and the settlement can be performed at an appropriate distance in accordance with the NFC technology.

According to an aspect of the present invention, there is provided a display device comprising: a main frame provided with a metal material; A front sheet coupled to the main frame portion and including a metallic material; A contactless payment module disposed in the main frame, wherein the contactless payment module stores payment information and is configured to perform settlement for payment terminals by wireless signals; A wireless antenna connected to the non-contact type payment module and generating inductive power for operation of the contactless payment module when the contactless payment module is accessed to the payment terminal, and transmitting the wireless signal; And a protection sheet disposed between the front sheet and the wireless antenna and performing at least one of an increase and a protection of a wireless signal output from the wireless antenna when the contactless payment module is accessed to the payment terminal An NFC credit card may be provided.

A contact type payment information unit disposed in at least one of the front seat and the main frame, wherein the contact type payment information unit stores financial information and is arranged to perform payment for the payment terminal in a contact manner; And a rear seat disposed between the front seat and the main frame, the rear seat being provided with a magnet having payment information and adapted to allow a radio signal to pass therethrough.

The wireless antenna may be disposed at an edge of the protective sheet.

The protection sheet may be provided with a hole in which the noncontact type payment module is disposed.

And a wireless arrangement sheet in which the wireless antenna is disposed and disposed in the main frame so as to correspond to the protection sheet, wherein at least one of the contact type payment information section and the wireless arrangement sheet is disposed in the main frame One or more holes may be provided.

The non-contact type payment module unit may be disposed apart from the protective sheet.

Wherein the rear sheet is disposed in the main frame so as to correspond to an arrangement area of the wireless antenna with the front sheet and the main frame interposed therebetween, the magnetic unit including the magnet and adapted to allow a radio signal to pass therethrough; And one or more rear metal parts arranged to correspond to the remaining area of the main frame and made of metal.

Wherein the noncontact payment information unit is disposed on the rear metal part and the main frame so as to be spaced apart from the protective sheet and a signal line for connecting the noncontact payment information unit and the wireless antenna is disposed in the main frame, Can be provided.

The contactless payment information unit and the contact type payment information unit may be provided as one combi module, and at least one hole may be provided in the main frame so that at least one of the combination module and the protective sheet can be disposed.

The back sheet is disposed in the main frame so as to correspond to an arrangement area of the wireless antenna with respect to the front sheet with the main frame interposed therebetween, the magnetic sheet having the magnet and provided with a radio signal to pass therethrough; And one or more rear metal parts arranged to correspond to the remaining area of the main frame and made of metal.

The front sheet and the rear metal part may be coated with gold or silver.

The protective sheet may be formed of a paramagnetism material.

The paramagnetism material may be ferrite.

According to an embodiment of the present invention, the NFC technology is applied to block the phenomenon that the radio wave of wireless communication generated between the IC chip of the high-grade card using the metal material and the payment terminal is absorbed into the metal material, The communication between the IC chip and the payment terminal can be smoothly performed, and the NFC credit card can be provided which can be settled at an appropriate distance in accordance with the NFC technology.

1 is an exploded view of an NFC credit card according to an embodiment of the present invention.
2 is a sectional view taken along the line I-I in Fig.
3 is an exploded view of an NFC credit card according to another embodiment of the present invention.
4 is an exploded view of an NFC credit card according to another embodiment of the present invention.
5 is an exploded view of an NFC credit card according to another embodiment of the present invention.
6 is an exploded view of an NFC credit card according to another embodiment of the present invention.

Various embodiments of the present invention will now be described by way of specific embodiments shown in the accompanying drawings. The differences between the embodiments of the present invention described below are to be understood as mutually exclusive. That is, the specific shapes, structures, and characteristics described may be embodied in other embodiments in accordance with one embodiment without departing from the spirit and scope of the present invention, It is to be understood that the arrangements may be altered, where like reference numerals refer to like or similar features throughout the several views, and length and area, thickness, and the like may be exaggerated for convenience.

1 and 2, an NFC credit card according to an embodiment of the present invention includes a main frame 100 provided with a metal, a front sheet 100 coupled to the main frame 100, A contact type payment information unit 120 disposed in the main frame 100 and storing financial information and capable of making payment in a contact manner with respect to the payment terminal; Contact type payment module unit 130 connected to the contactless payment module unit 130 when the contactless payment module unit 130 accesses the payment terminal. The non-contact type payment module unit 130 is connected to the non-contact type payment module unit 130, A wireless antenna 150 for generating an inductive power for operation of the wireless terminal 150 and transmitting a wireless signal and a wireless antenna 150 disposed between the front sheet 110 and the wireless antenna 150. The non- The wireless antenna 150, And of at least one of increasing and protective action for the radio signal output containing any protective sheets (140) to perform one.

According to this embodiment, the NFC technology is applied, and the radio signal propagation generated between the contactless payment module unit 130 of the high-grade card using the metal material and the payment terminal is transmitted to the front sheet 110, And the induced current of the wireless antenna 150 can be increased by the temporary magnetization phenomenon of the protective sheet 140. [

Accordingly, the output of the non-contact type payment module unit 130 is increased and communication with the payment terminal is smoothly performed. That is, the signal of the non-contact type payment module unit 130 is smoothly transmitted to the payment terminal through the wireless antenna 150, so that the card settlement can be performed at a close distance corresponding to the NFC technique.

For example, when the signal output of the non-contact type payment module unit 130 is assumed to be 5V maximum, when the wireless antenna 150 is in direct contact with the front sheet 110 provided by a metal material, When the protective sheet 140 provided with a paramagnetic material such as a ferrite described later is disposed between the front sheet 110 and the wireless antenna 150, And the settlement of the card can proceed smoothly.

The non-contact type payment module unit 130 according to the present embodiment is an RF chip or an RF card configured to generate an induced current when it is close to a payment terminal and to provide payment information by RF communication. The non-contact type payment module module 130 may include an IC chip including a controller and a storage device to store and process information, and a peripheral circuit configured to enable driving of the IC chip. That is, the non-contact type payment module unit 130 at this time may include an element and a circuit capable of rectifying the induction current.

At this time, when the RF communication is performed, the non-contact type payment module module 130 corresponding to the IC chip absorbs radio waves enabling the RF communication to be absorbed in the front sheet 110 corresponding to the metal material, The card settlement may not be smooth. However, in the non-contact type payment module unit 130 according to the present embodiment, the phenomenon that the radio waves are absorbed by the front sheet 110 when the radio wave is generated is blocked by the protective sheet 140 .

That is, since the wireless antenna 150 has the protective sheet 140 disposed between the front sheets 110, the phenomenon that the radio waves are absorbed from the side of the wireless antenna 150 toward the front sheet 110 can be blocked.

Such a protective sheet 140 may be provided including ferrite. Accordingly, a phenomenon that the induced current generated in the non-contact type payment module unit 130 leaks to the front sheet 110 side can be blocked by the protective sheet 140, and the protective sheet 140 including the ferrite can generate the induction current The induced voltage can be increased.

The ferrite is collectively referred to as iron oxide having magnetism. These ferrites are classified into soft ferrite and hard ferrite depending on the degree of magnetization.

Soft ferrites are magnetized rapidly even if they are applied with only a small amount of magnetic field. For example, the strontium or barium component may be calcined at a high temperature and then powdered, and then put into a mold to align the direction of magnetization during the main sintering process.

The ferrite is produced by applying a strong magnetic field. It is a plastic bond magnet that is solidified by mixing with plastic, and rubber magnet is mixed with rubber. The protective sheet 140 according to the present embodiment may be provided as soft ferrite such as plastic or rubber magnet.

Since the protective sheet 140 according to the present embodiment may be provided not only with ferrite but also with a paramagnetism material, the scope of right of the present invention is not limited to ferrite but can be extended to an equivalent material corresponding to a paramagnetic material . For example, the protective sheet 140 may include rare earths corresponding to the paramagnetic material.

In general, paramagnetism is weakly magnetized in the direction of a magnetic field when it is applied, and magnetic field dependence of the magnetization according to the Bryan function is shown in transition metals and rare earth metal elements.

Even if the material exhibits a spontaneous arrangement of spins, such as a ferromagnet, a half-ferromagnet, or a quasi-ferromagnet, at a temperature higher than the magnetization temperature, if the thermal disturbance is large, .

In general, the paramagnetic material has a magnetic susceptibility inversely proportional to temperature according to Curie's law, but the free electrons in the metal exhibit Fourier paramagnetism, which shows little dependence as a characteristic of the Fermi-Dirac statistics.

As described above, the wireless antenna 150 is connected to the non-contact type payment module 130 to perform at least one of generation of inductive power and radio wave when the non-contact type payment module 130 approaches the payment terminal And the protective sheet 140 may be disposed between the wireless antenna 150 and the front sheet 110. [

The wireless antenna 150 is disposed in a quadrangular closed loop manner. When the wireless terminal 150 approaches the payment terminal, an induction current is generated to provide a current that the non-contact type payment module unit 130 can operate, So that the signal of the module unit 130 can be smoothly transmitted to the payment terminal.

The contact type settlement information unit 120 and the contactless settlement information unit 130 are inserted into and disposed on the main frame 100 in which the front sheet 110 is disposed on the front side. To this end, the main frame 100 is provided with holes 101 and 102 so that the contact type settlement information part 120 and the protection sheet 140 are inserted and arranged. The non-contact type payment information part 130 is provided on the protection sheet 140, A hole 141 may be provided so as to be inserted therein.

The non-contact type settlement module unit 130 is disposed on the protection sheet 140. The non-contact type settlement module unit 130 includes a hole 141 for inserting the non- Leakage of electric current is blocked to the main frame 100 and the front sheet 110 side.

That is, one hole 101 corresponding to a square shape is formed in one area of the main frame 100, and another hole 102 corresponding to a rectangular shape is formed in another area. The contact type settlement information unit 120 may be disposed in one hole 101 and the protective sheet 140 may be disposed in the other hole 102. [

The wireless antenna 150 may be disposed on the wireless deployment sheet 145 that is provided to correspond to the protection sheet 140 and may be disposed on the protection sheet 140 and the wireless deployment sheet 145 may be disposed on the protective sheet 140 May be disposed in the hole 102 together.

Meanwhile, the wireless antenna 150 according to the present embodiment may be disposed at the rim of the protective sheet 140. That is, the wireless antenna 150 is disposed along the rim of the protective sheet 140 in a rectangular shape. The wireless antenna 150 can generate an induction current as described above and can also serve as an antenna.

In the main frame 100 according to the present embodiment, a rear seat 115 is disposed to be able to pass a radio signal and in which a magnet 160 having payment information is disposed.

3, the noncontact payment information section 130 may include a contactless payment information section 130 spaced apart from the protective sheet 140 disposed to correspond to the magnet 160, Can be arranged in one area. The main frame 100 may be provided with a wire arrangement path 106 in which signal lines can be arranged to connect the non-contact type payment information unit 130 and the wireless antenna 150. [

4, the rear sheet 115 is disposed in a region where the wireless antenna 150 is disposed with the front sheet 110 and the main frame 100 interposed therebetween, according to another embodiment of the present invention. A magnetic portion 117 disposed on the main frame 100 to correspond to the main frame 100 and provided with a magnet 116 and adapted to allow radio signals to pass therethrough; And metal portions 118 and 119, as shown in FIG.

Accordingly, in the NFC credit card according to the present embodiment, the backside of the card except for the magnetic part 116, which is made of plastic so as to enable wireless communication between the wireless antenna 150 and the payment terminal, And can provide a high quality image by metallic luster.

5, the non-contact settlement information unit 130 is disposed between the rear metal part 118 and the main frame 100 so as to be spaced apart from the protective sheet 140. In the main frame 100, A wire arrangement path 105 may be provided so that a signal line for connecting the contactless payment information unit 130 and the wireless antenna 150 can be disposed. The signal lines corresponding to the wirings are arranged in the wire arrangement furnace 105 so that interference from the front sheet 110 and the rear sheet 115 is eliminated.

6, the contact type payment information unit 120 and the contactless payment information unit 130 are provided as one combination module 160, and the main frame 100 may be provided with the holes 101 and 102 as described above so that the combi module 160 and the protective sheet 140 can be disposed.

The combination module 160 may be provided in the main frame 100 by being provided with an IC card having both contact and noncontact functions so that the back sheet 115 and the protective sheet 140 are provided with a non- 130 are not provided.

At this time, the rear sheet 115 is disposed on the main frame 100 so as to correspond to the arrangement area of the wireless antenna 150 with the main frame 100 interposed therebetween with respect to the front sheet 110 as described above, 116 and a rear metal part 118 and 119 provided to correspond to the remaining area of the main frame 100 and made of metal.

According to the above-described embodiment, the above-described combi module 160 can be connected to the wireless antenna 150 by a signal line passing through the main frame 100.

Also, the front sheet 110 and the rear metal portions 118 and 119 according to the above-described embodiments may be coated with gold or silver. As such, the outer surface is coated with gold or silver so that the NFC credit card according to the present embodiments can be provided as a premium card.

Although not shown, according to another embodiment of the present invention, not only the above-described protective sheet 140 and the wireless antenna 150 can be equally disposed, but also the wireless antenna 150 May be disposed at other positions that do not correspond to the position of the magnet 116 but are capable of passing radio signals.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Deletion, addition or the like of the present invention may be variously modified and changed within the scope of the present invention.

100: Mainframe
101, 102: Hall
105: With wire arrangement
110: front sheet
115: rear seat
116: Magnetic
117: Magnetic part
118, 119: rear metal part
120: Contact payment information section
130: contactless payment module section
140: Protective sheet
141: hole
145: Wireless deployment sheet
150: Wireless antenna
160: Combi module

Claims (13)

A main frame provided with a metal material;
A front sheet coupled to the main frame portion and including a metallic material;
A contactless payment module disposed in the main frame, wherein the contactless payment module stores payment information and is configured to perform settlement for payment terminals by wireless signals;
A wireless antenna connected to the non-contact type payment module and generating inductive power for operation of the contactless payment module when the contactless payment module is accessed to the payment terminal, and transmitting the wireless signal; And
And a protective sheet disposed between the front sheet and the wireless antenna and performing at least one of an increase and a protection of a wireless signal output from the wireless antenna when the contactless payment module is accessed to the payment terminal NFC credit card. The method according to claim 1,
A contact type payment information unit disposed in at least one of the front seat and the main frame, wherein the contact type payment information unit stores financial information and is arranged to perform payment for the payment terminal in a contact manner; And
Further comprising a rear seat disposed between the front seat and the main frame, the rear seat having a magnet with payment information, the rear seat being configured to allow wireless signals to pass therethrough. 3. The method of claim 2,
Wherein the wireless antenna is disposed at a rim of the protective sheet. The method of claim 3,
Wherein the protection sheet is provided with a hole in which the noncontact type payment module is disposed. The method of claim 3,
Further comprising a wireless deployment sheet in which the wireless antenna is disposed and disposed in the mainframe so as to correspond to the protective sheet,
Wherein at least one hole is provided in the main frame so that at least one of the contact type payment information section and the wireless arrangement sheet can be disposed. The method of claim 3,
Wherein the noncontact type payment module unit is disposed apart from the protective sheet. 3. The method of claim 2,
The back sheet includes:
A magnetic portion disposed on the main frame so as to correspond to an arrangement region of the wireless antenna with the front sheet and the main frame interposed therebetween, the magnetic portion having the magnet and adapted to allow a wireless signal to pass therethrough; And
And one or more rear metal parts arranged to correspond to the remaining areas of the main frame and provided with a metal. 8. The method of claim 7,
Wherein the noncontact payment information unit is disposed on the rear metal part and the main frame,
Wherein a wire arrangement is provided in the main frame so that a signal line connecting the non-contact type payment information unit and the wireless antenna can be disposed. 3. The method of claim 2,
Wherein the contactless payment information unit and the contact type payment information unit are provided as one combi module and at least one hole is provided in the main frame so that at least one of the combination module and the protective sheet can be disposed. 10. The method of claim 9,
The back sheet includes:
A magnetic portion disposed on the main frame so as to correspond to an arrangement region of the wireless antenna with respect to the front sheet with the main frame interposed therebetween, the magnetic portion having the magnet and adapted to allow a wireless signal to pass therethrough; And
And one or more rear metal parts arranged to correspond to the remaining areas of the main frame and provided with a metal. The method according to any one of claims 2, 7, and 10,
Wherein the front sheet and the rear metal portion are coated with gold or silver. The method according to claim 1,
The protective sheet is made of a paramagnetism material. 13. The method of claim 12,
The paramagnetism material is a ferrite NFC credit card.

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