WO2018216977A1 - Smart card - Google Patents

Smart card Download PDF

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Publication number
WO2018216977A1
WO2018216977A1 PCT/KR2018/005765 KR2018005765W WO2018216977A1 WO 2018216977 A1 WO2018216977 A1 WO 2018216977A1 KR 2018005765 W KR2018005765 W KR 2018005765W WO 2018216977 A1 WO2018216977 A1 WO 2018216977A1
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WO
WIPO (PCT)
Prior art keywords
card
user
magnetic signal
unit
card information
Prior art date
Application number
PCT/KR2018/005765
Other languages
French (fr)
Korean (ko)
Inventor
손창배
Original Assignee
트위닝 주식회사
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 트위닝 주식회사 filed Critical 트위닝 주식회사
Publication of WO2018216977A1 publication Critical patent/WO2018216977A1/en

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Classifications

    • 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
    • G06K19/0723—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 an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G06K19/0724—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 an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs the arrangement being a circuit for communicating at a plurality of frequencies, e.g. for managing time multiplexed communication over at least two antennas of different types
    • 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
    • G06K19/0716—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 at least one of the integrated circuit chips comprising a sensor or an interface to a sensor
    • G06K19/0718—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 at least one of the integrated circuit chips comprising a sensor or an interface to a sensor the sensor being of the biometric kind, e.g. fingerprint sensors
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/356—Aspects of software for card payments
    • G06Q20/3563—Software being resident on card

Definitions

  • the present invention relates to a smart card.
  • credit card companies provide credit card users with various benefits, such as discounts, for the promotion of credit cards. Users have various cards to enjoy the benefits provided by these credit card companies. Therefore, since the number of cards carried carry a large volume of the wallet, there is a problem that causes inconvenience to the user.
  • the technical problem to be solved by the present invention is to provide a smart card that includes a variety of card information in one card, the user to select and use the card when using.
  • the smart card of one embodiment of the present invention the display unit disposed on one side of the plate; An integrated circuit (IC) chip for storing a plurality of card information; An input unit configured to receive a selection input of a user; A first communication unit for transmitting data corresponding to the card information selected by the user by a non-contact communication method; A plurality of magnetic signal generators which transmit magnetic signals for transmitting data corresponding to the card information selected by the user and are spaced apart from each other; And a controller configured to control data corresponding to the card information selected by the user, among the plurality of card information, to interwork with an external payment device through the first communication unit, the magnetic unit, and the IC chip, and the plurality of magnetic signal generation units
  • the magnetic signal may be arranged on one side of the plate to transmit data corresponding to the card information selected by the user based on a position relative to the card reader.
  • the smart card of one embodiment of the present invention may further include a second communication unit for receiving card information.
  • the second communication unit may receive the card information from the mobile terminal of the user.
  • the fingerprint input unit for receiving a fingerprint input of the user; And an input unit configured to receive a user input.
  • the magnetic signal generation unit for detecting whether or not inserted into the card reader; And a coil configured to generate a magnetic signal for transmitting data corresponding to the card information selected by the user when it is detected that the card reader is inserted into the card reader.
  • the insertion detecting unit may be an optical sensor.
  • the magnetic signal generation unit the head detecting unit for detecting the head of the card reader; And a coil for generating a magnetic signal for transmitting data corresponding to the card information selected by the user when the head of the card reader is detected by the head detecting unit.
  • the magnetic signal generation unit further comprising a head detecting unit for detecting the head of the card reader, the coil, when the head of the card reader is detected by the head detecting unit, A magnetic signal may be generated to transmit data corresponding to the card information selected by the user.
  • the present invention can use a variety of cards by a single card, thereby reducing the issuance cost of the card company, thereby eliminating the inconvenience that the user must carry a large number of cards.
  • the user since the user transmits the card information through the coil when the user activates the smart card and the card reader is close, power can be minimized, and data is not written to the coil when the smart card is idle. It can provide stronger security.
  • FIG. 1 is a configuration diagram for schematically illustrating a smart card according to an embodiment of the present invention.
  • FIGS. 2A and 2B are exemplary views for conceptually explaining the appearance of a smart card according to an embodiment of the present invention.
  • FIG 3 is an exemplary view illustrating an example in which a user registers a fingerprint on a smart card according to an embodiment of the present invention.
  • FIG. 4 is an exemplary diagram conceptually illustrating communication between a smart card and a mobile terminal according to an embodiment of the present invention.
  • FIG. 5 illustrates an example of transmitting a card information to a smart card by selecting a card in the mobile terminal according to an embodiment of the present invention.
  • FIG. 6 illustrates an example of transmitting card information to a smart card by inputting card information in a mobile terminal according to an embodiment of the present invention.
  • FIG. 7 illustrates a process of using a smart card according to an embodiment of the present invention.
  • FIG 8 is an exemplary view showing an application example in which a smart card is used according to the present invention.
  • FIG. 9 is an exemplary view for explaining a front surface of a smart card according to another embodiment of the present invention.
  • 10A to 10F are exemplary views for explaining a method of operating a smart card according to another embodiment of the present invention.
  • FIG. 1 is a configuration diagram for schematically illustrating a smart card according to an embodiment of the present invention.
  • the smart card 1 of the embodiment of the present invention the control unit 11, the first communication unit 12, the second communication unit 13, integrated circuit (IC) chip ( 14, a battery 15, a display unit 16, an input unit 17, a magnetic unit 18, and a fingerprint input unit 19.
  • IC integrated circuit
  • the smart card 1 of the present invention stores a plurality of credit card information in one card, and when the user selects a card to be used, the credit card information is temporarily displayed, and the displayed card information is temporarily limited. It can be linked to the outside. In this case, the interworking of the card information may be performed in a contact or contactless manner. This will be described in more detail with reference to the drawings.
  • the first communication unit 12 may communicate with the mobile terminal of the user by a predetermined first communication method.
  • the first communication unit 12 may be used.
  • the first communication unit 12 may be a BLE (Bluetooth Low Energy, BLE) module, but the present invention is limited thereto. It doesn't happen. That is, the first communication unit 12 may be configured to receive card information directly from an external server (not shown). In this case, the user may input card information through a web provided by an external server, receive the information through the first communication unit 12, and store the information in the IC chip 14.
  • BLE Bluetooth Low Energy
  • the second communication unit 13 may transmit the card information to the outside by the second communication method without contact. When the user approaches the reader within a certain distance, the card information may be transmitted from the second communication unit 13 without physical contact.
  • the second communication unit 13 may be, for example, a near field communication (NFC) module, but the present invention is not limited thereto, and various communication methods capable of transmitting card information to the outside in a non-contact manner may be applied. will be.
  • NFC near field communication
  • the IC chip 14 may store a plurality of card information under the control of the controller 11 and transmit the card information to the outside in a contact manner.
  • card information can be transmitted from the IC chip 14.
  • the IC chip 14 may be an IC chip based on a universal subscriber identity module (USIM), and the storage capacity may be 1.2 Mbyte or more. In this case, more than 30 card information may be stored. However, this is merely an example, and its capacity may be determined according to the number of card information to be stored.
  • USIM universal subscriber identity module
  • the power supply unit 15 may supply power to each component of the smart card of the present invention, and may be, for example, a sheet-shaped lithium-ion battery.
  • the power supply unit 15 may be configured to be capable of charging, and may further include, for example, an antenna (not shown) for wireless charging, or an induction current provided when communicating through the second communication unit 13. You can also charge using.
  • a terminal for charging the battery may be inserted to allow charging through a power input means such as, for example, a micro 5 pin.
  • the display unit 16 occupies a considerable area of the front surface of the smart card, and may be, for example, an electrophoretic display (EPD). However, this is merely an example, and the present invention is not limited thereto, and may be a touch screen. The user may view the card displayed through the display unit 16 and may select a card to be used.
  • EPD electrophoretic display
  • the input unit 17 may generate a user input signal. For example, an input for turning on or off the smart card 1 of the embodiment of the present invention may be generated, or an input for selecting a credit card may be generated.
  • the input unit 17 may be configured as a membrane switch or a touch pad, but is not limited thereto, and may be configured in various ways.
  • the magnetic unit 18 may transmit card information to the outside through a magnetic field.
  • the fingerprint input unit 19 may receive a fingerprint input for authentication of the smart card 1.
  • the smart card 1 may be turned on when the fingerprint is input through the fingerprint input unit 19, or when the input for turning on the input unit 17 is received, the smart card 1 is turned on. You may.
  • an example of inputting a fingerprint to turn on the smart card 1 will be described, but is not limited thereto.
  • the controller 11 may control the overall operation of the smart card 11 of the present invention. That is, when a user wants to register a fingerprint, the fingerprint input unit 19 may receive a fingerprint input and store it in the IC chip 14. When the user wants to register a card, the first communication unit 12 may be connected to the mobile terminal. The card information may be received from the mobile terminal by the communication and stored in the IC chip 14. In addition, when the user wants to use the card, the card information selected by the display unit 16 may be linked to the outside through any one of the second communication unit 13, the IC chip 14, and the magnetic unit 18. There will be. The operation of the control unit 11 will be described in more detail later with reference to the drawings.
  • Figure 2a is an exemplary view for conceptually explaining the appearance of the smart card 1 of an embodiment of the present invention, (a) is the front, (b) is the rear, Figure 2b is the rear of the smart card The internal state of the is shown in detail.
  • the display unit 16 may be disposed on the front surface of the smart card 1, and the fingerprint input unit 19 and the input unit 17 may be disposed.
  • the display unit 16 may display card information such as a card number 2A, an expiration date 2B, a user name 2C, and a card type 2D.
  • the user manipulates the input unit 17 to operate the IC chip.
  • the card information stored in (14) can be flickered and selected. That is, the card information is checked by pressing the left button 2E or the right button 2F, and when the desired card is displayed, the corresponding card information can be transmitted to the outside by pressing the selection button 2G.
  • the input unit 17 may be configured as a membrane switch or may be implemented in a touch pad type as described above. However, the number and type of input units 17 may be more various or simplified.
  • the user may input a fingerprint to the fingerprint input unit 19 to wake up the smart card 1 in the idle state, or may press the fingerprint input unit 19 (in this case, for the fingerprint input module and the wakeup).
  • the membrane switch may be disposed at the same time), or the selection button 2G of the input unit 17 may be pressed.
  • the magnetic area 2H may be disposed on the rear surface of the smart card 1.
  • the magnetic region 2H may include a coil for transmitting the card information received from the IC chip 14 by the controller 11 in a magnetic transmission method.
  • the magnetic region 2H will be described in more detail with reference to FIG. 2B.
  • the magnetic region 2H is, for example, the outside of which can be finished with magnetic tape, and is the region in which the magnetic portion 18 is disposed.
  • the magnetic part 18 may include a magnetic generating coil 2P and a card reader detecting sensor 2Q.
  • the controller 11 may activate the detection sensor 2Q when the fingerprint information of the user is input through the fingerprint input unit 19 or when the user is authenticated by a predetermined method.
  • the sensor 2Q may notify the controller 11 when the card reader approaches a predetermined distance or more of the smart card 1.
  • the sensor 2Q may continuously detect that the card reader is within a predetermined distance and notify the controller 11.
  • the controller 11 confirming that the card reader is within a predetermined distance from the detection sensor 2Q may receive the card information selected by the user from the IC chip 14 and emit it through the coil 2P.
  • the present invention is not limited thereto. That is, for example, the coil 2P may be disposed in any area of the smart card 1.
  • the sensing sensor 2Q is also described as being disposed inside the coil 2P, for example, but is not limited thereto.
  • the sensing sensor 2Q and the coil 2P may be disposed in separate areas, respectively. There will be.
  • the sensor 2Q may be disposed at one end of the magnetic region 2H.
  • the coil 2P is formed to have a predetermined length inside the magnetic region 2H, the present invention is not limited thereto, and is formed by the length of the entire card. It may be formed in a variety of lengths and widths, such as the width of the entire card.
  • FIG 3 is an exemplary view for explaining an example in which a user enrolls a fingerprint in the smart card 1 according to an embodiment of the present invention.
  • the controller 11 may display a message 3A requesting fingerprint registration as shown in (a).
  • the controller 11 may display a message 3B indicating that the fingerprint is registered on the display unit 16 as shown in (b).
  • control unit 11 may request to re-register the fingerprint two or more times for accurate fingerprint registration. If the first enrolled fingerprint and the second enrolled fingerprint are different, the fingerprint registration may be withheld.
  • the fingerprint information registered as described above may be stored in the IC chip 14.
  • FIG. 4 is an exemplary diagram conceptually illustrating communication between a smart card 1 and a mobile terminal 2 according to an embodiment of the present invention.
  • the user may connect the mobile terminal 2 and the smart card 1 via a communication method of the first communication unit 12, for example, Bluetooth, but is not limited thereto. same.
  • a communication method of the first communication unit 12 for example, Bluetooth, but is not limited thereto. same.
  • the mobile terminal 2 of the user may be, for example, a smartphone or a smart pad, and according to an embodiment of the present invention, an application for downloading a smart card may be received and stored from a server (not shown).
  • FIG. 5 illustrates an example of transmitting a card information to a smart card by selecting a card in the mobile terminal according to an embodiment of the present invention.
  • icons corresponding to a plurality of applications on the mobile terminal 2 may be displayed on the display unit 21, and the user corresponds to an application for downloading a smart card according to an embodiment of the present invention.
  • the icon 5A can be selected (hereinafter, ' ⁇ ' indicates that it is selected by touch or the like).
  • the user can download to the mobile terminal 2 in the application store, a detailed description thereof will be omitted.
  • the user can input the means (ID and PW) for identity authentication in the application.
  • the display unit 21 of the mobile terminal 2 may display a message 5B requesting to connect (pair) the mobile terminal 2 with the smart card 1.
  • the corresponding message 5B may be displayed before the input of the ID and the PW, or may be displayed after the input.
  • the user may enter the setting window to turn on the communication method of the first communication unit and pair the smart card 1.
  • a message indicating that the pair is paired may be displayed on the display unit 16 of the smart card 1 (not shown).
  • the means for identity authentication may be input once and it may be stored in the storage of the mobile terminal (2).
  • the control unit 11 of the smart card 1 may determine that the smart card 1 is for registration of card information when the smart card 1 is connected through the communication method between the mobile terminal 2 and the first communication unit 12. There will be. In one embodiment of the invention, it may be necessary to activate the smart card 1 before pairing the smart card 1 and the mobile terminal 2.
  • the type of card to be registered may be displayed on the display unit 21 of the mobile terminal 2.
  • the credit card company can be displayed, allowing the user to select the card company information to be registered ( In one embodiment of the present invention 'A card company' is selected).
  • the display unit 21 of the mobile terminal 2 is required to input means (ID and PW) for authentication to the A card company selected by the user as shown in (e).
  • the credit card information 5C of the A card company owned by the user may be received from the card company server and displayed.
  • the credit card information may be transmitted.
  • control unit 11 that receives the card information through the first communication unit 12 may store the card information in the IC chip 14.
  • FIG. 6 illustrates an example of transmitting card information to a smart card by inputting card information in a mobile terminal according to an embodiment of the present invention.
  • icons corresponding to a plurality of applications on the mobile terminal 2 may be displayed on the display unit 21, and the user corresponds to an application for downloading a smart card according to an embodiment of the present invention.
  • the icon 6A can be selected.
  • the display unit 21 of the mobile terminal 2 can be inquired whether to directly enter the card information or log in to the card company. If the user selects to directly enter the card information, the display unit 21 of the mobile terminal 2 has a card number input window 6B, an expiration date input window 6C, and a security number input window as shown in (c). 6D) is displayed so that the user can enter information in the corresponding window.
  • the user who inputs all the card information may request to transmit it to the smart card, whereby the corresponding card information may be transmitted to the smart card, and the control unit 11 that receives the card information through the first communication unit 12. ) May store the card information in the IC chip 14.
  • FIG. 7 illustrates a process of using a smart card according to an embodiment of the present invention.
  • the smart card 1 when the user fingerprints the fingerprint input unit 19 in the idle state of the smart card 1, the smart card 1 may be activated.
  • the control unit 11 may display card information used immediately before, as shown in (b).
  • the preset frequently used card information may be displayed instead of displaying the card information used immediately before the control unit 11.
  • Setting of frequently used card information may be performed through a predetermined menu of an application of an embodiment of the present invention, and frequently used card information may be stored in the IC chip 14. In addition, setting of frequently used card information may be set in advance through communication with the mobile terminal (2).
  • the sensor 2Q is activated, if the card reader of the magnetic method is near, it may be detected and provided to the control unit 11.
  • the controller 11 may sequentially display the stored card information on the display unit 16 when the user inputs the move button 7A or 7B. That is, each time the push button 7A or 7B is pressed, the card information stored in the IC chip 14 may be sequentially displayed on the display unit 16.
  • the user inputs the selection button 7C, and when the controller 11 confirms this, one of the IC chip 14, the magnetic unit 18, or the second communication unit 13 is displayed.
  • the card information can be controlled to be linked to the outside.
  • the control unit 11 may provide data corresponding to the corresponding card information.
  • the coil 2P may be transmitted to the outside through a magnetic communication method such as a magnetic strip transmission (MST).
  • the coil 2P does not transmit data until the user detects the card reader after selecting the card information even if the smart card 1 is idle or activated, and the user does not send the smart card.
  • the card information may be transmitted by the method.
  • the data corresponding to the card information is not stored in the coil (2P) in the idle state
  • the user activates the smart card 1 through a user authentication method such as fingerprint authentication
  • the controller 11 After the controller 11 reads data corresponding to the card information stored in the IC chip 14, the controller 11 provides the coil 2P to the coil 2P in a magnetic manner. Can transmit
  • the card information may be transmitted to the card reader by the magnetic communication method using the minimum power.
  • leakage of card information can be prevented.
  • FIG 8 is an exemplary view showing an application example in which a smart card is used according to the present invention.
  • the card information of (d) is the IC chip 14, the magnetic unit It may be transmitted to the payment device through any one of (18) and the second communication unit (13).
  • the detection sensor 2P detects the payment device 8A, the coil 2Q is used. Data corresponding to the card information can be transmitted.
  • data corresponding to the corresponding card information may be transmitted through the second communication unit 13.
  • Data corresponding to such card information may be temporarily transmitted. That is, when a predetermined time elapses after the selection of the card information, the corresponding card information may no longer be transmitted to the payment device. When the transmission of the card information is terminated, the power of the smart card 1 may also be switched off.
  • the user can select a traffic card and pay by NFC or a self-transmission method.
  • the user can select a membership card to receive a discount, and then select A credit card from the smart card to pay with the IC chip method.
  • the present invention since a variety of cards can be used by a single card, it is possible to reduce the issuance cost of the card company, and can eliminate the inconvenience that the user has to hold a lot of cards.
  • the user since the user activates the smart card through fingerprint recognition, it is possible to eliminate the fear of theft even when the smart card is lost.
  • FIG 9 is an exemplary view for explaining the front surface of a smart card of another embodiment of the present invention.
  • the display unit 16 may be disposed on the front of the smart card 1', and the fingerprint input unit 19 and the input unit 17 may be disposed. ) May be arranged.
  • the magnetic region 2H of FIG. 2 may not be disposed on the rear surface of the smart card 1 ′ of another embodiment of the present invention.
  • the MST 18 may be omitted.
  • First to third magnetic signal generators 91, 92, and 93 may be disposed on the display unit 16. However, this is merely illustrative, and in one embodiment of the present invention, the first to third magnetic signal generators 91, 92, and 93 are described as being disposed, but the present invention is not limited thereto.
  • the magnetic signal generator may be arranged.
  • the first to third magnetic signal generators 91, 92, and 93 are exposed to the front of the smart card 1 ′, for example. Or, it may be arranged on the inner layer of the smart card (1 ') may be configured not to be exposed on the front of the smart card (1'), it may be arranged on the back of the smart card (1 ').
  • first to third magnetic signal generators 91, 92, and 93 are all disposed to be the same, the present invention is not limited thereto and the first to third magnetic signal generators 91, The separation distances 92 and 93 may be set differently from each other.
  • the first to third magnetic signal generators 91, 92, and 93 are disposed on the upper side of the smart card 1 ′ is described, but is not limited thereto. It may be arranged in various ways, such as being disposed on the side and left side, respectively, or only on the left or right side.
  • the first magnetic signal generating unit 91 may include a first insertion detecting unit 91a for detecting whether the smart card 1 'is inserted into the card reader, and a magnetic signal for transmitting data corresponding to the card information.
  • the first coil 91b may be generated.
  • the second magnetic signal generating unit 92 may include a second insertion detecting unit 92a for detecting whether the smart card 1 'is inserted into the card reader, and a magnetic field for transmitting data corresponding to the card information.
  • the third magnetic signal generator 93 may include a second coil 92b for generating a signal, and the third magnetic signal generator 93a detects whether the smart card 1 'is inserted into the card reader. And a third coil 93b generating a magnetic signal for transmitting data corresponding to the card information.
  • the first insertion detecting unit 91a detects that the first magnetic signal generator 91 is inserted into the card reader. Then, the first coil 91b generates a magnetic signal for transmitting data corresponding to the card information, so that the card reader can collect data corresponding to the card information.
  • the second insertion detection unit 92a causes the second magnetic signal generator 92 to be the card reader. If it is detected that the card is further inserted into the card, as a result, at least one of the first coil 91b and the second coil 92b generates a magnetic signal for transmitting data corresponding to the card information, and the card reader responds to the card information. To collect data.
  • the third insertion detection unit 93a may be configured to include the first magnetic signal generator 91.
  • the three magnetic signal generator 93 is further inserted into the card reader, and as a result, at least one of the first coil 91a, the second coil 92b, and the third coil 93b corresponds to the card information.
  • a magnetic signal for transmitting data is generated to enable the card reader to collect data corresponding to the card information.
  • the smart card 1 ′ of the embodiment of the present invention selectively activates only the magnetic signal generator inserted into the card reader among the plurality of magnetic signal generators 91, 92, and 93, thereby consuming the battery. Can be reduced.
  • the first to the third insertion detection unit (91a, 92a, 93a) may be an optical sensor, the first to third magnetic signal generation in the order in which the change in the amount of light is detected by the optical sensor
  • the portions 91, 92, 93 can be activated.
  • the first to third magnetic signal generators 91, 92, and 93 may further include first to third head detectors 91c, 92c, and 93c, respectively.
  • the first to third magnetic signal generators 91, 92, and 93 are magnetic signal generators of the first and third head detectors 91c, 92c, and 93c that detect the head of the card reader. Only activated, the remaining magnetic signal generator may be deactivated. As a result, since only the magnetic signal generator that detects the head of the card reader is activated, the battery consumption can be reduced.
  • first to third magnetic signal generators 91, 92, and 93 each include one embodiment including both an insertion sensing unit and a head sensing unit, the present disclosure is not limited thereto. It may be configured to include only, or may be configured to include only the head sensing unit and the coil.
  • the first magnetic signal generating unit 91 comes into contact with the head of the card reader, the first head detecting unit 91c detects the head of the card reader, and as a result, the first coil 91a receives the card.
  • the card reader may collect data corresponding to the card information by generating a magnetic signal for transmitting data corresponding to the information.
  • the second head detector 92c detects the head of the card reader.
  • the second coil 92b generates a magnetic signal for transmitting data corresponding to the card information, so that the card reader may collect data corresponding to the card information.
  • the third head detector 93c detects the head of the card reader, and as a result, the third coil 93b generates a magnetic signal for transmitting data corresponding to the card information, so that the card reader can collect data corresponding to the card information.
  • the first to third head detectors 91c, 92c, and 93c may detect the head of the card reader based on whether electricity is conducted through the head of the card reader, respectively.
  • the first to third head sensing units 91c, 92c, and 93c may be formed of two spaced apart conductive object pairs, respectively.
  • the first to third head sensing units 91c, 92c, and 93c may be formed.
  • the two pairs of conductive objects included in each are not electrically conductive.
  • the two spaced apart conductive object pairs are electrically connected to each other through the heads of the card readers, and thus, the two conductive objects.
  • the pair may be inverted.
  • the user is authenticated through the fingerprint input unit 19, and if the user authentication is successful, the controller 11 may set the magnetic signal generators 91, 92, and 93 to be in an activated state. That is, when the fingerprint input through the fingerprint input unit 19 is not a registered user's fingerprint, even when the magnetic signal generating units 91, 92, and 93 are respectively inserted into the card reader, the control unit 11 performs the magnetic signal.
  • the generators 91, 92, and 93 may be controlled to not operate. This can improve security.
  • 10A to 10F are exemplary views for explaining a method of operating a smart card according to another embodiment of the present invention.
  • the smart card 1 ' may also select card information that the user wants to use through the process as shown in FIG.
  • the smart card 1 ' is inserted into the card reader 8A of FIG.
  • the head 4 may be arranged at the center of the card reader 3.
  • the operation method in the case where the magnetic signal generating unit (91, 92, 93) includes both the insertion detection unit (91a, 92a, 93a) and the head detection unit (91c, 92c, 93c)
  • the magnetic signal generating unit inserted into the card reader 3 may be sequentially activated, including only the insertion detecting units 91a, 92a and 93a.
  • the smart card 1 ′ of the embodiment of the present invention selects card information through the process as shown in FIG. 7 and approaches the card reader 3, all magnetic signals are detected.
  • the generators 91, 92, and 93 may be deactivated.
  • the first insertion detecting unit of the first magnetic signal generating unit 91 When the first magnetic signal generating unit 91 of the smart card 1 'of the present invention shown in FIG. 10B is inserted into the card reader 3, the first insertion detecting unit of the first magnetic signal generating unit 91 ( By the operation of 91a, it is possible to detect that the first magnetic signal generator 91 is inserted into the card reader 3.
  • the first magnetic signal generator 91 of the smart card 1 'of the present invention passes the head 4 of the card reader 3, the first magnetic signal generator ( The first head detecting unit 91c of 91 detects the head 4 of the card reader 3, and as a result, the first coil 91a generates a magnetic signal for transmitting data corresponding to the card information.
  • the card reader 3 may collect data corresponding to the card information.
  • the second insertion detection unit 92a of the second magnetic signal generator 92 may detect that the second magnetic signal generator 92 is inserted into the card reader 3.
  • the second magnetic signal generator 92 of the smart card 1 when the second magnetic signal generator 92 of the smart card 1 'passes the head 4 of the card reader 3, the second magnetic signal generator 92
  • the second head detecting unit 92c detects the head 4 of the card reader 3, and as a result, the second coil 92a generates a magnetic signal for transmitting data corresponding to the card information, thereby generating a card reader.
  • (3) may collect data corresponding to the card information.
  • the first insertion detection unit 91a of the first magnetic signal generator 91 and the third insertion detection unit 93a of the third magnetic signal generator 93 are the first magnetic signal generator 91.
  • the third magnetic signal generator 93 is inserted into the card reader 3.
  • the third magnetic signal generator 93 of the smart card 1 ′ passes the head 4 of the card reader 3, the third magnetic signal generator 93
  • the third head detecting unit 93c detects the head 4 of the card reader 3, and as a result, the third coil 93a generates a magnetic signal for transmitting data corresponding to the card information, thereby generating a card reader.
  • (3) may collect data corresponding to the card information.
  • the second insertion detection unit 92a of the second magnetic signal generator 92 may detect that the second magnetic signal generator 92 is inserted into the card reader 3.
  • the third magnetic signal generating unit 93 may be removed.
  • the third insertion detection unit 93a may detect that the third magnetic signal generation unit 93 is still inserted into the card reader 3. In this state, however, there may be no magnetic signal transmitted through the coil.
  • the smart card 1 ' only the magnetic signal generator corresponding to the position of the head 4 of the card reader 3 is activated, so that the magnetic signal is generated from the coil. It can reduce the consumption.
  • the magnetic signal generating unit may include the insertion detecting unit only, and the coil of the magnetic signal generating unit corresponding to the insertion detecting unit that detects that the magnetic signal generating unit is inserted into the card reader 3 may generate the magnetic signal. That is, the first coil 91b in FIG. 10B, the first and second coils 91b and 92b in FIG. 10C, the first to third coils 91b, 92b and 93b in FIG. 10C, and the first coil 91b and 92b in FIG. 10C.
  • the second and third coils 92b and 93b may generate magnetic signals for transmitting data corresponding to the card information by the third coil 93b in FIG. 10F.
  • the smart card (1 ') has been described as an example of being inserted from one side to the other side of the card reader 3, it may be inserted in the vertical direction. That is, when the smart card 1 'is inserted in the vertical direction of the card reader 3, the second coil 92b of the second magnetic signal generator 92 corresponding to the position of the head 4 is used for card information.
  • a magnetic signal may be generated to transmit data corresponding to the first or third insertion detection units 91a, 92a, and 93a, respectively, and the first to third coils 91b, 92b, 93b) may all generate a magnetic signal for transmitting data corresponding to the card information.

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Abstract

A smart card is disclosed. According to the present invention, a mobile terminal transmits, through a predetermined application, card information input by a user, and a smart card stores data received from the mobile terminal, selects information of any one of a plurality of cards according to a selection of the user, and transmits the information of the card to an external payment device.

Description

스마트카드Smart card
본 발명은 스마트카드에 대한 것이다.The present invention relates to a smart card.
일반적으로, 신용카드사는 신용카드의 판촉을 위하여 할인혜택 등 다양한 혜택을 신용카드 사용자에게 제공한다. 사용자들은 이러한 신용카드사에서 제공하는 혜택을 누리기 위해 다양한 카드를 소지하게 된다. 따라서, 소지하고 다니는 카드가 많아지므로 지갑의 부피가 커지게 되며, 이는 사용자의 불편을 초래하게 되는 문제점이 있다.Generally, credit card companies provide credit card users with various benefits, such as discounts, for the promotion of credit cards. Users have various cards to enjoy the benefits provided by these credit card companies. Therefore, since the number of cards carried carry a large volume of the wallet, there is a problem that causes inconvenience to the user.
또한, 신용카드뿐만 아니라, 주유카드, 멤버쉽 카드, 선불카드, 직불카드, 일회용 패스워드(one time password, OTP) 등 다양한 카드가 존재하며, 이는 더욱 사용자가 소지하여야 하는 카드를 늘리게 되어, 사용자는 다량의 카드를 소지하고 다녀야 하는 불편함이 있다.In addition to the credit card, there are a variety of cards, such as gasoline card, membership card, prepaid card, debit card, one time password (OTP), which increases the number of cards that the user must possess, the user It is inconvenient to carry with you a card.
본 발명이 해결하고자 하는 기술적 과제는, 하나의 카드에 다양한 카드정보를 포함하며, 사용시 사용자가 카드를 선택하여 사용하게 하는 스마트카드를 제공하는 것이다. The technical problem to be solved by the present invention is to provide a smart card that includes a variety of card information in one card, the user to select and use the card when using.
상기와 같은 기술적 과제를 해결하기 위해, 본 발명의 일실시예의 스마트카드는, 플레이트의 일측에 배치되는 디스플레이부; 복수의 카드정보를 저장하는 집적회로(IC) 칩; 사용자의 선택입력을 수신하는 입력부; 사용자가 선택한 카드정보에 대응하는 데이터를 비접촉의 통신방식에 의해 전송하는 제1통신부; 상기 사용자가 선택한 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 전송하고, 각각 상호 이격하여 배치되는 복수의 자기신호 발생부; 복수의 카드정보 중 상기 사용자가 선택한 카드정보에 대응하는 데이터를 상기 제1통신부, 상기 자기부 및 상기 IC 칩을 통해 외부 결제기기와 연동하도록 제어하는 제어부를 포함하고, 상기 복수의 자기신호 발생부는, 상기 플레이트의 일측에 배열되며, 카드리더기와의 상대적인 위치에 기초하여 상기 사용자가 선택한 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생할 수 있다.In order to solve the above technical problem, the smart card of one embodiment of the present invention, the display unit disposed on one side of the plate; An integrated circuit (IC) chip for storing a plurality of card information; An input unit configured to receive a selection input of a user; A first communication unit for transmitting data corresponding to the card information selected by the user by a non-contact communication method; A plurality of magnetic signal generators which transmit magnetic signals for transmitting data corresponding to the card information selected by the user and are spaced apart from each other; And a controller configured to control data corresponding to the card information selected by the user, among the plurality of card information, to interwork with an external payment device through the first communication unit, the magnetic unit, and the IC chip, and the plurality of magnetic signal generation units The magnetic signal may be arranged on one side of the plate to transmit data corresponding to the card information selected by the user based on a position relative to the card reader.
본 발명의 일실시예의 스마트카드는, 카드정보를 수신하는 제2통신부를 더 포함할 수 있다.The smart card of one embodiment of the present invention may further include a second communication unit for receiving card information.
본 발명의 일실시예에서, 상기 제2통신부는, 사용자의 이동단말로부터 상기 카드정보를 수신할 수 있다.In one embodiment of the present invention, the second communication unit may receive the card information from the mobile terminal of the user.
본 발명의 일실시예의 스마트카드는, 사용자의 지문입력을 수신하는 지문입력부; 및 사용자 입력을 수신하는 입력부를 더 포함할 수 있다.Smart card according to an embodiment of the present invention, the fingerprint input unit for receiving a fingerprint input of the user; And an input unit configured to receive a user input.
본 발명의 일실시예에서, 상기 자기신호 발생부는, 상기 카드리더기에 삽입되는지 여부를 감지하는 삽입감지부; 및 상기 삽입감지부에 의해 상기 카드리더기에 삽입되었음이 감지되면, 상기 사용자가 선택한 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하는 코일을 포함할 수 있다.In one embodiment of the present invention, the magnetic signal generation unit, the insertion detection unit for detecting whether or not inserted into the card reader; And a coil configured to generate a magnetic signal for transmitting data corresponding to the card information selected by the user when it is detected that the card reader is inserted into the card reader.
본 발명의 일실시예에서, 상기 삽입감지부는 광센서일 수 있다.In one embodiment of the present invention, the insertion detecting unit may be an optical sensor.
본 발명의 일실시예에서, 상기 자기신호 발생부는, 상기 카드리더기의 헤드를 감지하는 헤드감지부; 및 상기 헤드감지부에 의해 상기 카드리더기의 헤드가 감지되면, 상기 사용자가 선택한 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하는 코일을 포함할 수 있다.In one embodiment of the present invention, the magnetic signal generation unit, the head detecting unit for detecting the head of the card reader; And a coil for generating a magnetic signal for transmitting data corresponding to the card information selected by the user when the head of the card reader is detected by the head detecting unit.
본 발명의 일실시예에서, 상기 자기신호 발생부는, 상기 카드리더기의 헤드를 감지하는 헤드감지부를 더 포함하고, 상기 코일은, 상기 헤드감지부에 의해 상기 카드리더기의 헤드가 감지되는 경우에, 상기 사용자가 선택한 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생할 수 있다.In one embodiment of the present invention, the magnetic signal generation unit, further comprising a head detecting unit for detecting the head of the card reader, the coil, when the head of the card reader is detected by the head detecting unit, A magnetic signal may be generated to transmit data corresponding to the card information selected by the user.
상기와 같은 본 발명은, 한장의 카드에 의해 다양한 카드를 사용할 수 있으므로, 카드사의 발급비용을 줄일 수 있으며, 사용자가 많은 카드를 소지하여야 하는 불편을 해소하게 하는 효과가 있다.As described above, the present invention can use a variety of cards by a single card, thereby reducing the issuance cost of the card company, thereby eliminating the inconvenience that the user must carry a large number of cards.
또한, 본 발명에 의하면, 사용자는 지문인식을 통해 스마트카드를 활성화하므로, 스마트카드 분실시에도 도용우려를 해소하게 하는 효과가 있다.In addition, according to the present invention, since the user activates the smart card through the fingerprint recognition, there is an effect of eliminating the fear of theft even when the smart card is lost.
또한, 본 발명에 의하면, 사용자가 스마트카드를 활성화하고 카드리더가 근접한 경우에 코일을 통해 카드정보를 전송하므로, 전력을 최소화할 수 있으며, 스마트카드의 유휴시에는 코일에 데이터가 쓰여지지 않으므로, 보다 강력한 보안을 제공할 수 있다.Further, according to the present invention, since the user transmits the card information through the coil when the user activates the smart card and the card reader is close, power can be minimized, and data is not written to the coil when the smart card is idle. It can provide stronger security.
도 1은 본 발명의 일실시예의 스마트카드를 개략적으로 설명하기 위한 구성도이다.1 is a configuration diagram for schematically illustrating a smart card according to an embodiment of the present invention.
도 2a 및 도 2b는 본 발명의 일실시예의 스마트카드의 외관을 개념적으로 설명하기 위한 일예시도이다.2A and 2B are exemplary views for conceptually explaining the appearance of a smart card according to an embodiment of the present invention.
도 3은 본 발명의 일실시예에 의해 사용자가 스마트카드에 지문등록하는 예를 설명하기 위한 일예시도이다.3 is an exemplary view illustrating an example in which a user registers a fingerprint on a smart card according to an embodiment of the present invention.
도 4는 본 발명의 일실시예에 따라, 스마트카드와 이동단말이 통신하는 것을 개념적으로 도시한 일예시도이다.4 is an exemplary diagram conceptually illustrating communication between a smart card and a mobile terminal according to an embodiment of the present invention.
도 5는 본 발명의 일실시예에 따라 이동단말에서 카드를 선택하여 스마트카드로 카드정보를 전송하는 예를 나타낸 것이다. 5 illustrates an example of transmitting a card information to a smart card by selecting a card in the mobile terminal according to an embodiment of the present invention.
도 6은 본 발명의 일실시예에 따라 이동단말에서 카드정보를 입력하여 스마트카드로 카드정보를 전송하는 예를 나타낸 것이다. 6 illustrates an example of transmitting card information to a smart card by inputting card information in a mobile terminal according to an embodiment of the present invention.
도 7은 본 발명의 일실시예에 의해 스마트카드를 사용하는 과정을 설명한 것이다. 7 illustrates a process of using a smart card according to an embodiment of the present invention.
도 8은 본 발명에 의해 스마트카드가 사용되는 적용예를 나타내는 일예시도이다.8 is an exemplary view showing an application example in which a smart card is used according to the present invention.
도 9는 본 발명의 다른 실시예의 스마트 카드의 전면을 설명하기 위한 일예시도이다.9 is an exemplary view for explaining a front surface of a smart card according to another embodiment of the present invention.
도 10a 내지 도 10f는 본 발명의 다른 실시예의 스마트카드의 동작방법을 설명하기 위한 일예시도이다.10A to 10F are exemplary views for explaining a method of operating a smart card according to another embodiment of the present invention.
본 발명은 다양한 변경을 가할 수 있고 여러가지 실시예를 가질 수 있는바, 특정 실시예들을 도면에 예시하고 상세한 설명에 상세하게 설명하고자 한다. 그러나, 이는 본 발명을 특정한 실시 형태에 대해 한정하려는 것이 아니며, 본 발명의 사상 및 기술범위에 포함되는 모든 변경, 균등물 내지 대체물을 포함하는 것으로 이해되어야 한다.As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention.
제1, 제2 등과 같이 서수를 포함하는 용어는 다양한 구성요소들을 설명하는데 사용될 수 있지만, 상기 구성요소들은 상기 용어들에 의해 한정되지는 않는다. 상기 용어들은 하나의 구성요소를 다른 구성요소로부터 구별하는 목적으로만 사용된다.Terms including ordinal numbers such as first and second may be used to describe various components, but the components are not limited by the terms. The terms are used only for the purpose of distinguishing one component from another.
어떤 구성요소가 다른 구성요소에 "연결되어" 있다거나 "접속되어" 있다고 언급된 때에는, 그 다른 구성요소에 직접적으로 연결되어 있거나 또는 접속되어 있을 수도 있지만, 중간에 다른 구성요소가 존재할 수도 있다고 이해되어야 할 것이다. 반면에, 어떤 구성요소가 다른 구성요소에 "직접 연결되어" 있다거나 "직접 접속되어" 있다고 언급된 때에는, 중간에 다른 구성요소가 존재하지 않는 것으로 이해되어야 할 것이다.When a component is referred to as being "connected" or "connected" to another component, it may be directly connected to or connected to that other component, but it may be understood that other components may be present in between. Should be. On the other hand, when a component is said to be "directly connected" or "directly connected" to another component, it should be understood that there is no other component in between.
이하, 첨부된 도면을 참조하여 본 발명에 따른 바람직한 일실시예를 상세히 설명한다. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.
도 1은 본 발명의 일실시예의 스마트카드를 개략적으로 설명하기 위한 구성도이다.1 is a configuration diagram for schematically illustrating a smart card according to an embodiment of the present invention.
도면에 도시된 바와 같이, 본 발명의 일실시예의 스마트카드(1)는, 제어부(11), 제1통신부(12), 제2통신부(13), 금융 집적회로(integrated circuit, IC) 칩(14), 배터리(15), 디스플레이부(16), 입력부(17), 자기부(18) 및 지문입력부(19)를 포함할 수 있다.As shown in the figure, the smart card 1 of the embodiment of the present invention, the control unit 11, the first communication unit 12, the second communication unit 13, integrated circuit (IC) chip ( 14, a battery 15, a display unit 16, an input unit 17, a magnetic unit 18, and a fingerprint input unit 19.
본 발명의 스마트카드(1)는, 복수의 신용카드 정보를 한장의 카드에 저장하고, 사용자가 사용하고자 하는 카드를 선택하는 경우 해당 신용카드 정보가 한시적으로 디스플레이되며, 디스플레이되는 카드정보가 한시적으로 외부로 연동될 수 있다. 이때 카드정보의 연동은 접촉식 또는 비접촉식으로 수행될 수 있다. 이에 대해 도면을 참조로, 더욱 상세하게 설명하기로 한다. The smart card 1 of the present invention stores a plurality of credit card information in one card, and when the user selects a card to be used, the credit card information is temporarily displayed, and the displayed card information is temporarily limited. It can be linked to the outside. In this case, the interworking of the card information may be performed in a contact or contactless manner. This will be described in more detail with reference to the drawings.
제1통신부(12)는 사용자의 이동단말과 소정 제1통신방식에 의해 통신을 수행할 수 있다. 사용자의 이동단말로부터 카드정보를 수신하는 경우 제1통신부(12)가 사용될 수 있으며, 예를 들어 제1통신부(12)는 BLE(Bluetooth Low Energy, BLE) 모듈일 수 있으나, 본 발명이 이에 한정되는 것은 아니다. 즉, 제1통신부(12)는 외부의 서버(도시되지 않음)로부터 직접 카드정보를 수신하도록 구성될 수도 있다. 이때 사용자는 외부의 서버가 제공하는 웹을 통해 카드정보를 입력하고, 이를 제1통신부(12)를 통해 수신하여 IC 칩(14)에 저장할 수도 있을 것이다. The first communication unit 12 may communicate with the mobile terminal of the user by a predetermined first communication method. When receiving card information from a mobile terminal of a user, the first communication unit 12 may be used. For example, the first communication unit 12 may be a BLE (Bluetooth Low Energy, BLE) module, but the present invention is limited thereto. It doesn't happen. That is, the first communication unit 12 may be configured to receive card information directly from an external server (not shown). In this case, the user may input card information through a web provided by an external server, receive the information through the first communication unit 12, and store the information in the IC chip 14.
제2통신부(13)는 비접촉의 제2통신방식에 의해 카드정보를 외부로 전송할 수 있다. 사용자가 일정한 거리 내에서 리더에 근접시키면, 물리적인 접촉이 없이 제2통신부(13)로부터 카드정보가 전송될 수 있다. 제2통신부(13)는 예를 들어 근거리통신(near field communication, NFC) 모듈일 수 있으나, 본 발명이 이에 한정되는 것은 아니며 비접촉방식으로 카드정보를 외부로 전송할 수 있는 다양한 통신방식이 적용될 수 있을 것이다. The second communication unit 13 may transmit the card information to the outside by the second communication method without contact. When the user approaches the reader within a certain distance, the card information may be transmitted from the second communication unit 13 without physical contact. The second communication unit 13 may be, for example, a near field communication (NFC) module, but the present invention is not limited thereto, and various communication methods capable of transmitting card information to the outside in a non-contact manner may be applied. will be.
IC 칩(14)은 제어부(11)의 제어에 따라 복수의 카드정보가 저장될 수 있으며, 접촉방식으로 카드정보를 외부로 전송할 수 있다. 사용자가 소정의 리더(reader) 내부에 본 발명의 일실시예의 카드를 삽입하면, IC 칩(14)으로부터 카드정보가 전송될 수 있다. 본 발명의 일실시예에서, IC 칩(14)은 USIM(universal subscriber identity module) 기반의 IC 칩일 수 있으며, 저장용량이 1.2Mbyte 이상일 수 있다. 이와 같은 경우, 30개 이상의 카드정보가 저장될 수 있을 것이다. 다만, 이는 예시적인 것으로서 그 용량은 저장될 카드정보의 수에 따라 결정될 수 있을 것이다.The IC chip 14 may store a plurality of card information under the control of the controller 11 and transmit the card information to the outside in a contact manner. When the user inserts the card of one embodiment of the present invention inside a predetermined reader, card information can be transmitted from the IC chip 14. In an embodiment of the present invention, the IC chip 14 may be an IC chip based on a universal subscriber identity module (USIM), and the storage capacity may be 1.2 Mbyte or more. In this case, more than 30 card information may be stored. However, this is merely an example, and its capacity may be determined according to the number of card information to be stored.
전원부(15)는 본 발명의 스마트카드의 각 구성요소에 전원을 공급할 수 있는 것으로서, 예를 들어 시트(sheet) 형상의 리튬-이온 배터리일 수 있다. 전원부(15)는 충전이 가능하도록 구성될 수 있으며, 예를 들어 무선충전을 위한 안테나(도시되지 않음)를 더 포함할 수도 있으며, 또는 제2통신부(13)를 통해 통신시에 제공되는 유도전류를 사용하여 충전할 수도 있다. 또는, 도시되지는 않았으나, 배터리 충전을 위한 단자가 삽입되어, 예를 들어 마이크로5핀과 같은 전원입력 수단을 통해 충전이 가능할 수도 있다. The power supply unit 15 may supply power to each component of the smart card of the present invention, and may be, for example, a sheet-shaped lithium-ion battery. The power supply unit 15 may be configured to be capable of charging, and may further include, for example, an antenna (not shown) for wireless charging, or an induction current provided when communicating through the second communication unit 13. You can also charge using. Alternatively, although not shown, a terminal for charging the battery may be inserted to allow charging through a power input means such as, for example, a micro 5 pin.
디스플레이부(16)는 스마트카드의 전면의 상당한 면적을 차지하는 것으로서, 예를 들어 전기영동 디스플레이(Electrophoretic Display, EPD)일 수 있다. 다만, 이는 예시적인 것으로서 본 발명이 이에 한정되는 것은 아니며, 터치스크린일 수도 있다. 사용자는 디스플레이부(16)를 통해 디스플레이되는 카드를 열람할 수 있으며, 사용할 카드를 선택할 수 있을 것이다.The display unit 16 occupies a considerable area of the front surface of the smart card, and may be, for example, an electrophoretic display (EPD). However, this is merely an example, and the present invention is not limited thereto, and may be a touch screen. The user may view the card displayed through the display unit 16 and may select a card to be used.
입력부(17)는 사용자가 입력신호를 발생시킬 수 있다. 예를 들어 본 발명의 일실시예의 스마트카드(1)의 온오프에 대한 입력을 발생시킬 수도 있고, 또는 신용카드 선택을 위한 입력을 발생시킬 수도 있다. 본 발명의 일실시예에서, 입력부(17)는 멤브레인 스위치로 구성될 수도 있고, 또는 터치패드로 구성될 수도 있으나, 이에 한정되는 것은 아니며, 다양한 방식으로 구성될 수 있을 것이다. The input unit 17 may generate a user input signal. For example, an input for turning on or off the smart card 1 of the embodiment of the present invention may be generated, or an input for selecting a credit card may be generated. In an embodiment of the present invention, the input unit 17 may be configured as a membrane switch or a touch pad, but is not limited thereto, and may be configured in various ways.
자기부(18)는 자기장을 통해 카드정보를 외부로 전송할 수 있다. The magnetic unit 18 may transmit card information to the outside through a magnetic field.
지문입력부(19)는 스마트카드(1)의 인증을 위한 지문입력을 수신할 수 있다. 본 발명의 일예에서, 지문이 지문입력부(19)를 통해 입력되면 스마트카드(1)가 온되도록 할 수도 있고, 또는 입력부(17)에 온을 위한 입력이 수신되면 스마트카드(1)가 온되도록 할 수도 있다. 이하에서는, 스마트카드(1)가 온되기 위해 지문을 입력하는 것을 예를 들어 설명하겠으나, 이에 한정되는 것은 아니다.The fingerprint input unit 19 may receive a fingerprint input for authentication of the smart card 1. In one embodiment of the present invention, the smart card 1 may be turned on when the fingerprint is input through the fingerprint input unit 19, or when the input for turning on the input unit 17 is received, the smart card 1 is turned on. You may. Hereinafter, an example of inputting a fingerprint to turn on the smart card 1 will be described, but is not limited thereto.
제어부(11)는 본 발명의 스마트카드(11)의 동작을 전반적으로 제어할 수 있다. 즉, 사용자가 지문등록을 원하는 경우, 지문입력부(19)로부터 지문입력을 수신하여 이를 IC 칩(14)에 저장할 수도 있고, 사용자가 카드등록을 원하는 경우, 제1통신부(12)가 이동단말과 통신하도록 하여 카드정보를 이동단말로부터 수신하고 이를 IC 칩(14)에 저장할 수도 있다. 또한, 사용자가 카드를 사용하기를 원하는 경우, 디스플레이부(16)에서 선택된 카드정보를 제2통신부(13), IC 칩(14) 및 자기부(18) 중 어느 하나를 통해 외부로 연동할 수 있을 것이다. 제어부(11)의 동작에 대해서는 추후 도면을 참조로 더욱 상세하게 설명하기로 한다.The controller 11 may control the overall operation of the smart card 11 of the present invention. That is, when a user wants to register a fingerprint, the fingerprint input unit 19 may receive a fingerprint input and store it in the IC chip 14. When the user wants to register a card, the first communication unit 12 may be connected to the mobile terminal. The card information may be received from the mobile terminal by the communication and stored in the IC chip 14. In addition, when the user wants to use the card, the card information selected by the display unit 16 may be linked to the outside through any one of the second communication unit 13, the IC chip 14, and the magnetic unit 18. There will be. The operation of the control unit 11 will be described in more detail later with reference to the drawings.
도 2a는 본 발명의 일실시예의 스마트카드(1)의 외관을 개념적으로 설명하기 위한 일예시도로서, (a)는 전면을, (b)는 후면을 나타낸 것이고, 도 2b는 스마트카드의 후면의 내부상태를 상세하게 나타낸 것이다.Figure 2a is an exemplary view for conceptually explaining the appearance of the smart card 1 of an embodiment of the present invention, (a) is the front, (b) is the rear, Figure 2b is the rear of the smart card The internal state of the is shown in detail.
도 2a의 (a)에 도시된 바와 같이, 스마트카드(1)의 전면에는 디스플레이부(16)가 배치될 수 있고, 지문입력부(19) 및 입력부(17)가 배치될 수 있다. 디스플레이부(16)에는 카드번호(2A), 유효기간(2B), 사용자 이름(2C) 및 카드종류(2D)와 같은 카드정보가 디스플레이될 수 있으며, 사용자는 입력부(17)를 조작하여 IC 칩(14)에 저장된 카드정보를 플리킹하며 선택할 수 있다. 즉, 좌측버튼(2E) 또는 우측버튼(2F)을 눌러 카드정보를 확인하고, 원하는 카드가 디스플레이되면 선택 버튼(2G)을 눌러 해당 카드정보를 외부로 전송할 수 있는 것이다. As shown in (a) of FIG. 2A, the display unit 16 may be disposed on the front surface of the smart card 1, and the fingerprint input unit 19 and the input unit 17 may be disposed. The display unit 16 may display card information such as a card number 2A, an expiration date 2B, a user name 2C, and a card type 2D. The user manipulates the input unit 17 to operate the IC chip. The card information stored in (14) can be flickered and selected. That is, the card information is checked by pressing the left button 2E or the right button 2F, and when the desired card is displayed, the corresponding card information can be transmitted to the outside by pressing the selection button 2G.
입력부(17)는 멤브레인 스위치로 구성될 수도 있고, 터치패드 형식으로 구현될 수도 있음은 이미 설명한 바와 같다. 다만, 입력부(17)의 수 및 종류는 더욱 다양하거나 단순화될 수 있을 것이다. The input unit 17 may be configured as a membrane switch or may be implemented in a touch pad type as described above. However, the number and type of input units 17 may be more various or simplified.
사용자는 유휴상태의 스마트카드(1)를 웨이크업하기 위해 지문입력부(19)에 지문을 입력할 수도 있고, 또는 지문입력부(19)를 누를 수도 있으며(이 경우에는 지문입력모듈과 웨이크업을 위한 멤브레인 스위치가 동시에 배치되는 경우이다), 또는 입력부(17)의 선택 버튼(2G)을 누를 수도 있을 것이다.The user may input a fingerprint to the fingerprint input unit 19 to wake up the smart card 1 in the idle state, or may press the fingerprint input unit 19 (in this case, for the fingerprint input module and the wakeup). The membrane switch may be disposed at the same time), or the selection button 2G of the input unit 17 may be pressed.
스마트카드(1)의 후면은 자기영역(2H)이 배치될 수 있다. 자기영역(2H)은 제어부(11)가 IC 칩(14)으로부터 수신한 카드정보를 자기전송 방식으로 전송하는 코일을 포함할 수 있다. 자기영역(2H)에 대해 도 2b를 통해 더욱 상세하게 설명기로 한다.The magnetic area 2H may be disposed on the rear surface of the smart card 1. The magnetic region 2H may include a coil for transmitting the card information received from the IC chip 14 by the controller 11 in a magnetic transmission method. The magnetic region 2H will be described in more detail with reference to FIG. 2B.
자기영역(2H)은 예를 들어 그 외부가 자기 테이프로 마감될 수 있는 것으로서, 자기부(18)가 배치되는 영역이다. 도 2b를 참조로 하면, 자기영역(2H)에서, 자기부(18)는 자기발생코일(2P) 및 카드리더 감지센서(2Q)를 포함할 수 있다.The magnetic region 2H is, for example, the outside of which can be finished with magnetic tape, and is the region in which the magnetic portion 18 is disposed. Referring to FIG. 2B, in the magnetic region 2H, the magnetic part 18 may include a magnetic generating coil 2P and a card reader detecting sensor 2Q.
제어부(11)는 지문입력부(19)를 통해 사용자의 지문정보가 입력되거나, 또는 소정의 방식에 의해 사용자가 인증되는 경우, 감지센서(2Q)를 활성화할 수 있다. 감지센서(2Q)가 활성화되면, 감지센서(2Q)는 카드리더(reader)가 스마트카드(1)의 소정 거리 이상 접근하는 경우, 이를 제어부(11)에 알릴 수 있다. 감지센서(2Q)는 지속적으로 카드리더가 소정 거리 이내인 것을 검출하여 제어부(11)에 알릴 수 있을 것이다.The controller 11 may activate the detection sensor 2Q when the fingerprint information of the user is input through the fingerprint input unit 19 or when the user is authenticated by a predetermined method. When the sensor 2Q is activated, the sensor 2Q may notify the controller 11 when the card reader approaches a predetermined distance or more of the smart card 1. The sensor 2Q may continuously detect that the card reader is within a predetermined distance and notify the controller 11.
감지센서(2Q)로부터 카드리더가 소정 거리 이내에 있는 것을 확인하는 제어부(11)는, 사용자가 선택한 카드정보를 IC 칩(14)으로부터 수신하여 이를 코일(2P)을 통해 방출할 수 있다.The controller 11 confirming that the card reader is within a predetermined distance from the detection sensor 2Q may receive the card information selected by the user from the IC chip 14 and emit it through the coil 2P.
본 발명의 일실시예에서는 코일(2P)이 자기영역(2H)의 내부에 배치되어 있는 예를 설명하고 있으나, 이는 예시적인 것으로서 본 발명이 이에 한정되는 것은 아니다. 즉, 예를 들어 코일(2P)는 스마트카드(1)의 어느 영역에 배치되어도 무방하다. 또한, 감지센서(2Q) 역시 코일(2P)의 내부에 배치되는 것을 예를 들어 설명하고 있으나, 이에 한정되는 것은 아니며, 별도의 영역에 감지센서(2Q)와 코일(2P)이 각각 배치될 수도 있을 것이다. 예를 들어 감지센서(2Q)는 자기영역(2H)의 일단에 배치될 수 있을 것이다. In an embodiment of the present invention, an example in which the coil 2P is disposed in the magnetic region 2H is described. However, the present invention is not limited thereto. That is, for example, the coil 2P may be disposed in any area of the smart card 1. In addition, the sensing sensor 2Q is also described as being disposed inside the coil 2P, for example, but is not limited thereto. The sensing sensor 2Q and the coil 2P may be disposed in separate areas, respectively. There will be. For example, the sensor 2Q may be disposed at one end of the magnetic region 2H.
또한, 본 발명의 일실시예에서, 코일(2P)은 자기영역(2H)의 내부에서 소정 길이로 형성되어 있는 것을 도시하고 있으나, 본 발명이 이에 한정되는 것은 아니며, 카드 전체의 길이만큼 형성되거나, 또는 카드 전체의 폭만큼 형성되는 등, 다양한 길이 및 폭으로 형성될 수 있을 것이다. In addition, in one embodiment of the present invention, although the coil 2P is formed to have a predetermined length inside the magnetic region 2H, the present invention is not limited thereto, and is formed by the length of the entire card. It may be formed in a variety of lengths and widths, such as the width of the entire card.
도 3은 본 발명의 일실시예에 의해 사용자가 스마트카드(1)에 지문등록하는 예를 설명하기 위한 일예시도이다.3 is an exemplary view for explaining an example in which a user enrolls a fingerprint in the smart card 1 according to an embodiment of the present invention.
사용자가 스마트카드(1)를 처음 활성화하면, 제어부(11)는 (a)와 같이 지문등록을 요구하는 메시지(3A)를 디스플레이할 수 있다. 사용자가 지문입력부(19)를 통해 지문을 입력하면, 제어부(11)는 (b)와 같이 지문이 등록되었음을 알리는 메시지(3B)를 디스플레이부(16)에 디스플레이할 수 있다. When the user activates the smart card 1 for the first time, the controller 11 may display a message 3A requesting fingerprint registration as shown in (a). When the user inputs the fingerprint through the fingerprint input unit 19, the controller 11 may display a message 3B indicating that the fingerprint is registered on the display unit 16 as shown in (b).
이때, 제어부(11)는 정확한 지문등록을 위해 2회 이상 지문을 재등록하기를 요구할 수도 있을 것이다. 만약 첫번째 등록한 지문과 두번째 등록한 지문이 다른 경우, 지문등록을 보류할 수도 있을 것이다.In this case, the control unit 11 may request to re-register the fingerprint two or more times for accurate fingerprint registration. If the first enrolled fingerprint and the second enrolled fingerprint are different, the fingerprint registration may be withheld.
이와 같이 등록된 지문정보는 IC 칩(14)에 저장될 수 있을 것이다.The fingerprint information registered as described above may be stored in the IC chip 14.
도 4는 본 발명의 일실시예에 따라, 스마트카드(1)와 이동단말(2)이 통신하는 것을 개념적으로 도시한 일예시도이다.4 is an exemplary diagram conceptually illustrating communication between a smart card 1 and a mobile terminal 2 according to an embodiment of the present invention.
도면에 도시된 바와 같이, 사용자는 이동단말(2)과 스마트카드(1)를 제1통신부(12)의 통신방식, 예를 들어 블루투스를 통해 연결할 수 있지만, 이에 한정되는 것은 아님은 이미 설명한 바와 같다.As shown in the figure, the user may connect the mobile terminal 2 and the smart card 1 via a communication method of the first communication unit 12, for example, Bluetooth, but is not limited thereto. same.
사용자의 이동단말(2)은 예를 들어 스마트폰 또는 스마트패드일 수 있으며, 본 발명의 일실시예에 의해 스마트카드 다운로드를 위한 어플리케이션을 서버(도시되지 않음)로부터 수신하여 저장할 수 있다. The mobile terminal 2 of the user may be, for example, a smartphone or a smart pad, and according to an embodiment of the present invention, an application for downloading a smart card may be received and stored from a server (not shown).
도 5는 본 발명의 일실시예에 따라 이동단말에서 카드를 선택하여 스마트카드로 카드정보를 전송하는 예를 나타낸 것이다. 5 illustrates an example of transmitting a card information to a smart card by selecting a card in the mobile terminal according to an embodiment of the present invention.
(a)와 같이, 이동단말(2)에 복수의 어플리케이션에 대응하는 아이콘이 디스플레이부(21)에 디스플레이될 수 있으며, 사용자는 본 발명의 일실시예에 의해 스마트카드 다운로드를 위한 어플리케이션에 대응하는 아이콘(5A)을 선택할 수 있다(이하, '√'는 터치 등에 의해 선택되었음을 나타냄). 이때 본 발명의 일실시예의 스마트카드 다운로드를 위한 어플리케이션은, 어플리케이션 스토어에서 사용자가 이동단말(2)에 다운로드할 수 있으며, 이에 대한 상세한 설명은 생략하기로 한다.As shown in (a), icons corresponding to a plurality of applications on the mobile terminal 2 may be displayed on the display unit 21, and the user corresponds to an application for downloading a smart card according to an embodiment of the present invention. The icon 5A can be selected (hereinafter, '√' indicates that it is selected by touch or the like). At this time, in the application for smart card download of an embodiment of the present invention, the user can download to the mobile terminal 2 in the application store, a detailed description thereof will be omitted.
이후, (b)와 같이, 사용자는 해당 어플리케이션에서 본인인증을 위한 수단(ID 및 PW)을 입력할 수 있다. 이때, 이동단말(2)의 디스플레이부(21)에는 이동단말(2)을 스마트카드(1)와 연결(페어링)할 것을 요구하는 메시지(5B)가 디스플레이될 수 있다. 다만, 이는 예시적인 것으로서, ID와 PW의 입력 전에 해당 메시지(5B)가 디스플레이될 수도 있고, 입력 후에 디스플레이될 수도 있다. 사용자는 설정 윈도우에 진입하여 제1통신부의 통신방식을 온으로 하고 스마트카드(1)를 페어링할 수 있을 것이다. 또한, 스마트카드(1)와 이동단말(2)이 페어링된 경우 스마트카드(1)의 디스플레이부(16)에는 페어링되었음을 알리는 메시지가 디스플레이될 수도 있을 것이다(도시되지 않음). 한편, 본인인증을 위한 수단은 일회적으로 입력될 수 있고 이는 이동단말(2)의 저장부에 저장될 수 있을 것이다. 스마트카드(1)의 제어부(11)는, 스마트카드(1)가 이동단말(2)과 제1통신부(12)의 통신방식을 통해 연결되는 경우에, 카드정보의 등록을 위한 것이라고 판단할 수 있을 것이다. 본 발명의 일예에서, 스마트카드(1)와 이동단말(2)의 페어링 전에 스마트카드(1)를 활성화할 필요가 있을 수도 있다. Then, as shown in (b), the user can input the means (ID and PW) for identity authentication in the application. In this case, the display unit 21 of the mobile terminal 2 may display a message 5B requesting to connect (pair) the mobile terminal 2 with the smart card 1. However, this is only an example, and the corresponding message 5B may be displayed before the input of the ID and the PW, or may be displayed after the input. The user may enter the setting window to turn on the communication method of the first communication unit and pair the smart card 1. In addition, when the smart card 1 and the mobile terminal 2 are paired, a message indicating that the pair is paired may be displayed on the display unit 16 of the smart card 1 (not shown). On the other hand, the means for identity authentication may be input once and it may be stored in the storage of the mobile terminal (2). The control unit 11 of the smart card 1 may determine that the smart card 1 is for registration of card information when the smart card 1 is connected through the communication method between the mobile terminal 2 and the first communication unit 12. There will be. In one embodiment of the invention, it may be necessary to activate the smart card 1 before pairing the smart card 1 and the mobile terminal 2.
이후, (c)와 같이 이동단말(2)의 디스플레이부(21)에는 등록할 카드의 종류가 디스플레이될 수 있다. 사용자가 어느 하나의 종류를 선택하면(본 발명의 일예에서는 '신용카드'를 선택함), (d)와 같이, 신용카드사를 디스플레이하여, 사용자가 등록을 원하는 카드사 정보를 선택하게 할 수 있다(본 발명의 일예에서는 'A 카드사' 선택함).Thereafter, as shown in (c), the type of card to be registered may be displayed on the display unit 21 of the mobile terminal 2. When the user selects any one type (in the example of the present invention, selects a 'credit card'), as shown in (d), the credit card company can be displayed, allowing the user to select the card company information to be registered ( In one embodiment of the present invention 'A card company' is selected).
이후, 이동단말(2)의 디스플레이부(21)에는, (e)와 같이 사용자가 선택한 A 카드사에 인증을 위한 수단(ID 및 PW)을 입력할 것이 요구되며, 사용자가 해당 수단을 입력하면, (f)와 같이 사용자가 보유하고 있는 A 카드사의 신용카드 정보(5C)를 해당 카드사 서버로부터 수신하여 디스플레이할 수 있다. Thereafter, the display unit 21 of the mobile terminal 2 is required to input means (ID and PW) for authentication to the A card company selected by the user as shown in (e). As shown in (f), the credit card information 5C of the A card company owned by the user may be received from the card company server and displayed.
사용자가 해당 정보를 스마트카드(1)로 전송하기를 원하는 경우 'Y' 버튼(5D)을 선택하면, 이동단말(2)로부터 스마트카드(1)로 제1통신부(12)의 통신방식에 의해 해당 신용카드 정보가 전송될 수 있다.If the user wants to transmit the information to the smart card 1, selecting the 'Y' button (5D), by the communication method of the first communication unit 12 from the mobile terminal 2 to the smart card (1) The credit card information may be transmitted.
이와 같이 카드정보를 제1통신부(12)를 통해 수신한 제어부(11)는, 해당 카드정보를 IC 칩(14)에 저장할 수 있다.As such, the control unit 11 that receives the card information through the first communication unit 12 may store the card information in the IC chip 14.
한편, 본 발명의 다른 일실시예에서는, 어플리케이션(5A)을 통해 사용자가 보유하고 있는 카드사의 서버에 접속하는 대신, 해당 카드정보를 직접 입력함으로써 이를 스마트카드에 전송할 수도 있을 것이다.On the other hand, in another embodiment of the present invention, instead of accessing the server of the card company owned by the user through the application (5A) it may be transmitted to the smart card by directly inputting the card information.
도 6은 본 발명의 일실시예에 따라 이동단말에서 카드정보를 입력하여 스마트카드로 카드정보를 전송하는 예를 나타낸 것이다. 6 illustrates an example of transmitting card information to a smart card by inputting card information in a mobile terminal according to an embodiment of the present invention.
(a)와 같이, 이동단말(2)에 복수의 어플리케이션에 대응하는 아이콘이 디스플레이부(21)에 디스플레이될 수 있으며, 사용자는 본 발명의 일실시예에 의해 스마트카드 다운로드를 위한 어플리케이션에 대응하는 아이콘(6A)을 선택할 수 있다.As shown in (a), icons corresponding to a plurality of applications on the mobile terminal 2 may be displayed on the display unit 21, and the user corresponds to an application for downloading a smart card according to an embodiment of the present invention. The icon 6A can be selected.
도 5의 (b)와 같은 본인인증을 거친 후, 이동단말(2)의 디스플레이부(21)에는, 카드정보를 직접 입력할 것인지 또는 카드사에 로그인할 것인지를 문의할 수 있다. 사용자가 카드정보를 직접 입력할 것을 선택한 경우, 이동단말(2)의 디스플레이부(21)에는 (c)와 같이 카드번호 입력창(6B), 유효기간 입력창(6C) 및 보안번호 입력창(6D)이 디스플레이되어 해당 창에 사용자가 정보를 입력할 수 있다.After the user authentication as shown in (b) of FIG. 5, the display unit 21 of the mobile terminal 2 can be inquired whether to directly enter the card information or log in to the card company. If the user selects to directly enter the card information, the display unit 21 of the mobile terminal 2 has a card number input window 6B, an expiration date input window 6C, and a security number input window as shown in (c). 6D) is displayed so that the user can enter information in the corresponding window.
카드정보를 모두 입력한 사용자는, 이를 스마트카드로 전송할 것을 요청할 수 있으며, 이에 의해 해당 카드정보가 스마트카드로 전송될 수 있을 것이며, 제1통신부(12)를 통해 카드정보를 수신한 제어부(11)는, 해당 카드정보를 IC 칩(14)에 저장할 수 있다. The user who inputs all the card information may request to transmit it to the smart card, whereby the corresponding card information may be transmitted to the smart card, and the control unit 11 that receives the card information through the first communication unit 12. ) May store the card information in the IC chip 14.
도 7은 본 발명의 일실시예에 의해 스마트카드를 사용하는 과정을 설명한 것이다. 7 illustrates a process of using a smart card according to an embodiment of the present invention.
(a)에 도시된 바와 같이, 사용자가 스마트카드(1)의 유휴상태에서 지문입력부(19)에 지문입력하면, 스마트카드(1)가 활성화될 수 있다. 스마트카드(1)가 활성화되면, 제어부(11)는 (b)와 같이 직전에 사용하였던 카드정보를 디스플레이할 수도 있다. 다만, 이는 예시적인 것으로서, 제어부(11)가 직전에 사용하였던 카드정보를 디스플레이하지 않고, 미리 설정된 자주 사용하는 카드정보가 디스플레이될 수도 있을 것이다. 자주 사용하는 카드정보의 설정은, 본 발명의 일실시예의 어플리케이션의 소정 메뉴를 통해 수행할 수 있을 것이며, 자주 사용하는 카드정보가 IC 칩(14)에 저장될 수 있을 것이다. 또한, 이때 자주 사용하는 카드정보의 설정은, 이동단말(2)과의 통신을 통해 미리 설정할 수 있을 것이다. 한편, 스마트카드(1)가 활성화되는 동시에, 감지센서(2Q)가 활성화되어, 자기방식의 카드리더가 근처에 있는 경우, 이를 감지하여 제어부(11)에 제공할 수 있을 것이다. As shown in (a), when the user fingerprints the fingerprint input unit 19 in the idle state of the smart card 1, the smart card 1 may be activated. When the smart card 1 is activated, the control unit 11 may display card information used immediately before, as shown in (b). However, this is merely an example, and the preset frequently used card information may be displayed instead of displaying the card information used immediately before the control unit 11. Setting of frequently used card information may be performed through a predetermined menu of an application of an embodiment of the present invention, and frequently used card information may be stored in the IC chip 14. In addition, setting of frequently used card information may be set in advance through communication with the mobile terminal (2). On the other hand, at the same time the smart card 1 is activated, the sensor 2Q is activated, if the card reader of the magnetic method is near, it may be detected and provided to the control unit 11.
사용자가 다른 카드를 사용하기를 원하는 경우, 이동버튼(7A, 7B)을 통해 원하는 카드를 선택할 수 있다. 제어부(11)는 사용자가 이동버튼(7A 또는 7B)을 입력하면 저장되어 있는 카드정보를 순차적으로 디스플레이부(16)에 디스플레이할 수 있을 것이다. 즉, 이동버튼(7A 또는 7B)을 누를 때마다 디스플레이부(16)에는 IC 칩(14)에 저장된 카드정보가 순차적으로 디스플레이될 수 있다.If the user wants to use another card, the desired card can be selected through the move buttons 7A and 7B. The controller 11 may sequentially display the stored card information on the display unit 16 when the user inputs the move button 7A or 7B. That is, each time the push button 7A or 7B is pressed, the card information stored in the IC chip 14 may be sequentially displayed on the display unit 16.
사용자가 원하는 카드가 디스플레이된 경우, 사용자는 선택버튼(7C)을 입력하고, 제어부(11)는 이를 확인하면, IC 칩(14), 자기부(18) 또는 제2통신부(13) 중 어느 하나 이상을 제어하여 해당 카드정보를 외부로 연동하도록 제어할 수 있다.When the card desired by the user is displayed, the user inputs the selection button 7C, and when the controller 11 confirms this, one of the IC chip 14, the magnetic unit 18, or the second communication unit 13 is displayed. By controlling the above, the card information can be controlled to be linked to the outside.
즉, 리더의 종류에 따라 사용되는 모듈이 다르겠지만, 각각 동일한 카드정보를 전송하고 있을 수 있다.That is, although the modules used vary depending on the type of reader, the same card information may be transmitted.
예를 들어, 카드리더가 자기부(18)에 연동하는 결제기기인 경우, 감지센서(2Q)가 이를 감지하여 제어부(11)에 제공하면, 제어부(11)는 해당 카드정보에 해당하는 데이터를 코일(2P)을 통해 MST(magnetic strip transmission) 등 자기통신 방식으로 외부로 전송할 수 있을 것이다. For example, when the card reader is a payment device that interlocks with the magnetic unit 18, when the detection sensor 2Q detects it and provides it to the control unit 11, the control unit 11 may provide data corresponding to the corresponding card information. The coil 2P may be transmitted to the outside through a magnetic communication method such as a magnetic strip transmission (MST).
본 발명의 일실시예에서, 코일(2P)은 스마트카드(1)가 유휴상태이거나, 또는 활성화되었더라도 사용자가 카드정보를 선택한 후 카드리더를 감지하기 이전에는 데이터를 전송하지 않으며, 사용자가 스마트카드(1)를 지문인증 등의 사용자 인증방식을 통하여 활성화하고, 본 발명의 일실시예에 따라 카드정보를 선택한 후 카드리더를 감지센서(2Q)가 검출하고 난 이후 자기통신(예를 들어 MST) 방식에 의해 카드정보를 전송할 수 있을 것이다.In one embodiment of the present invention, the coil 2P does not transmit data until the user detects the card reader after selecting the card information even if the smart card 1 is idle or activated, and the user does not send the smart card. Activate (1) through a user authentication method such as fingerprint authentication, select card information according to an embodiment of the present invention, and then detect the card reader by the sensor 2Q and then perform self-communication (for example, MST). The card information may be transmitted by the method.
이때 본 발명의 일실시예에서는, 유휴상태에서는 코일(2P)에 카드정보에 대응하는 데이터가 저장되어 있지 않으며, 사용자가 스마트카드(1)를 지문인증 등의 사용자 인증방식을 통하여 활성화하고, 본 발명의 일실시예에 따라 카드정보를 선택하는 경우, IC 칩(14)에 저장되어 있는 카드정보에 대응하는 데이터를 제어부(11)가 읽어온 후, 이를 코일(2P)에 제공하여 자기방식으로 전송할 수 있다.At this time, in one embodiment of the present invention, the data corresponding to the card information is not stored in the coil (2P) in the idle state, the user activates the smart card 1 through a user authentication method such as fingerprint authentication, In the case of selecting the card information according to an embodiment of the present invention, after the controller 11 reads data corresponding to the card information stored in the IC chip 14, the controller 11 provides the coil 2P to the coil 2P in a magnetic manner. Can transmit
이에 의해, 최소의 전력을 이용하여 자기통신 방식에 의해 카드정보를 카드리더로 전송할 수 있을 것이다. 또한, 코일(2P)에 데이터가 쓰여져 있지 않으므로, 카드정보의 유출을 막을 수 있다. As a result, the card information may be transmitted to the card reader by the magnetic communication method using the minimum power. In addition, since no data is written to the coil 2P, leakage of card information can be prevented.
도 8은 본 발명에 의해 스마트카드가 사용되는 적용예를 나타내는 일예시도이다.8 is an exemplary view showing an application example in which a smart card is used according to the present invention.
사용자는 디스플레이부(16)에 디스플레이되는 카드정보를 사용하기를 원하는 경우 도 7의 (c)와 같이 선택버튼(7C)을 입력하면, (d)의 카드정보가 IC 칩(14), 자기부(18) 및 제2통신부(13) 중 어느 하나를 통해 결제기기에 전송될 수 있다. 이때, 사용자가 (a)와 같이 자기부(18)에 연동하는 결제기기(8A)를 카드리더로써 사용하는 경우 감지센서(2P)가 결제기기(8A)를 검출하면, 코일(2Q)을 통해 카드정보에 대응하는 데이터를 전송할 수 있다.If the user wants to use the card information displayed on the display unit 16, and inputs the selection button 7C as shown in Fig. 7 (c), the card information of (d) is the IC chip 14, the magnetic unit It may be transmitted to the payment device through any one of (18) and the second communication unit (13). At this time, when the user uses the payment device 8A interlocking with the magnetic unit 18 as a card reader as shown in (a), when the detection sensor 2P detects the payment device 8A, the coil 2Q is used. Data corresponding to the card information can be transmitted.
또한, (c)와 같이 제2통신부(13)의 비접촉 통신방식에 연동하는 결제기기(8C)를 사용하는 경우 제2통신부(13)를 통해 해당 카드정보에 대응하는 데이터가 전송될 수 있을 것이다.In addition, when using the payment device 8C that interoperates with the contactless communication method of the second communication unit 13 as shown in (c), data corresponding to the corresponding card information may be transmitted through the second communication unit 13. .
이와 같은 카드정보에 대응하는 데이터는 한시적으로 전송될 수 있다. 즉, 카드정보 선택후 소정 시간이 경과하면 해당 카드정보는 더이상 결제기기에 전송되지 않을 수 있으며, 카드정보의 전송이 종료된 경우에는 스마트카드(1)의 전원도 오프로 전환될 수 있을 것이다.Data corresponding to such card information may be temporarily transmitted. That is, when a predetermined time elapses after the selection of the card information, the corresponding card information may no longer be transmitted to the payment device. When the transmission of the card information is terminated, the power of the smart card 1 may also be switched off.
본 발명의 스마트카드의 사용과 관련하여, 예를 들어 설명하기로 한다.Regarding the use of the smart card of the present invention, an example will be described.
사용자가 택시에 탑승한 경우, 본 발명의 스마트카드를 활성화한 후, 교통카드를 선택하여 NFC 또는 자기전송 방식으로 결제할 수 있다. 사용자가 카페에서 커피를 주문하는 경우, 사용자는 멤버쉽 카드를 선택하여 할인을 받은 후, 다시 스마트카드에서 A 신용카드를 선택하여 IC 칩 방식으로 결제할 수 있다.When a user boards a taxi, after activating the smart card of the present invention, the user can select a traffic card and pay by NFC or a self-transmission method. When the user orders coffee at the cafe, the user can select a membership card to receive a discount, and then select A credit card from the smart card to pay with the IC chip method.
또한, 사용자가 계좌이체를 원하는 경우, 스마트 OTP를 선택하여 전자통장으로 손쉽게 이체할 수 있으며, 공연예매시 할인되는 B 신용카드를 선택하여 공연을 관람할 수도 있다. 또한, 케익구매시 할인되는 C 신용카드를 선택하여 케익을 구매하는 등, 다양한 카드를 하나의 스마트카드를 이용하여 사용할 수 있다.In addition, if the user wants to transfer the account, you can easily transfer to the electronic bank account by selecting the smart OTP, you can also watch the performance by selecting the B credit card which is discounted when the performance reservation. In addition, a variety of cards can be used using a single smart card, such as purchasing a cake by selecting a C credit card discounted at the time of cake purchase.
이와 같은 본 발명에 의하면, 한장의 카드에 의해 다양한 카드를 사용할 수 있으므로, 카드사의 발급비용을 줄일 수 있으며, 사용자가 많은 카드를 소지하여야 하는 불편을 해소할 수 있다.According to the present invention, since a variety of cards can be used by a single card, it is possible to reduce the issuance cost of the card company, and can eliminate the inconvenience that the user has to hold a lot of cards.
또한, 본 발명에 의하면, 사용자는 지문인식을 통해 스마트카드를 활성화하므로, 스마트카드 분실시에도 도용우려를 해소할 수 있다.In addition, according to the present invention, since the user activates the smart card through fingerprint recognition, it is possible to eliminate the fear of theft even when the smart card is lost.
도 9는 본 발명의 다른 실시예의 스마트카드의 전면을 설명하기 위한 일예시도이다.9 is an exemplary view for explaining the front surface of a smart card of another embodiment of the present invention.
도면에 도시된 바와 같이, 본 발명의 다른 실시예의 스마트카드(1')는, 스마트카드(1')의 전면에는 디스플레이부(16)가 배치될 수 있고, 지문입력부(19) 및 입력부(17)가 배치될 수 있다. 다만, 본 발명의 다른 실시예의 스마트카드(1')의 후면에는 도 2와 같은 자기영역(2H)은 배치되지 않을 수도 있다. 따라서, 이 경우, MST(18)는 생략될 수도 있다. As shown in the figure, in the smart card 1 'according to another embodiment of the present invention, the display unit 16 may be disposed on the front of the smart card 1', and the fingerprint input unit 19 and the input unit 17 may be disposed. ) May be arranged. However, the magnetic region 2H of FIG. 2 may not be disposed on the rear surface of the smart card 1 ′ of another embodiment of the present invention. Thus, in this case, the MST 18 may be omitted.
디스플레이부(16)의 상부에는, 제1 내지 제3자기신호 발생부(91, 92, 93)가 배치될 수 있다. 다만, 이는 예시적인 것으로서, 본 발명의 일실시예에서는 제1 내지 제3자기신호 발생부(91, 92, 93)가 배치되는 것으로 설명하고 있으나, 이에 한정되는 것은 아니며, 더욱 많거나 적은 수의 자기신호 발생부가 배치될 수도 있을 것이다. First to third magnetic signal generators 91, 92, and 93 may be disposed on the display unit 16. However, this is merely illustrative, and in one embodiment of the present invention, the first to third magnetic signal generators 91, 92, and 93 are described as being disposed, but the present invention is not limited thereto. The magnetic signal generator may be arranged.
또한, 본 발명의 일실시예에서는 스마트카드(1')의 전면에 제1 내지 제3자기신호 발생부(91, 92, 93)가 드러나게 배치되는 것을 예를 들어 설명하고 있으나, 이에 한정되는 것은 아니며, 스마트카드(1')의 내부 레이어에 배치되어 스마트카드(1')의 전면에는 노출되지 않도록 구성될 수도 있고, 스마트카드(1')의 후면에 배치될 수도 있을 것이다. In addition, in the exemplary embodiment of the present invention, the first to third magnetic signal generators 91, 92, and 93 are exposed to the front of the smart card 1 ′, for example. Or, it may be arranged on the inner layer of the smart card (1 ') may be configured not to be exposed on the front of the smart card (1'), it may be arranged on the back of the smart card (1 ').
또한, 제1 내지 제3자기신호 발생부(91, 92, 93) 상호간의 이격거리가 모두 동일하게 배치되는 것으로 설명하고 있으나, 이에 한정되는 것은 아니며 제1 내지 제3자기신호 발생부(91, 92, 93)의 각각의 이격거리가 서로 상이하게 설정될 수도 있을 것이다. In addition, although the distances between the first to third magnetic signal generators 91, 92, and 93 are all disposed to be the same, the present invention is not limited thereto and the first to third magnetic signal generators 91, The separation distances 92 and 93 may be set differently from each other.
한편, 본 발명의 일실시예에서는 제1 내지 제3자기신호 발생부(91, 92, 93)가 스마트카드(1')의 상측부에 배치되는 예를 설명하고 있으나 이에 한정되는 것은 아니며, 상측부 및 좌측부에 각각 배치되거나, 좌측부 또는 우측부에만 배치되는 등, 다양한 방식으로 배치될 수 있을 것이다. Meanwhile, in an embodiment of the present invention, an example in which the first to third magnetic signal generators 91, 92, and 93 are disposed on the upper side of the smart card 1 ′ is described, but is not limited thereto. It may be arranged in various ways, such as being disposed on the side and left side, respectively, or only on the left or right side.
도 9의 설명에서, 제1 내지 제3자기신호 발생부(91, 92, 93)의 구성을 제외하고는 도 2에서 설명한 스마트카드(1)와 그 구성이 동일하다 할 것이므로, 이하에서는 제1 내지 제3자기신호 발생부(91, 92, 93)와 관련하여 설명하기로 한다.In the description of FIG. 9, except that the first to third magnetic signal generators 91, 92, and 93 are the same as those of the smart card 1 described with reference to FIG. 2, the first embodiment will be described below. The following description will be made with reference to the third magnetic signal generators 91, 92, and 93.
제1자기신호 발생부(91)는, 스마트카드(1')가 카드리더기에 삽입되는지 여부를 감지하는 제1삽입감지부(91a), 및 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하는 제1코일(91b)을 포함할 수 있다. 마찬가지로, 제2자기신호 발생부(92)는, 스마트카드(1')가 카드리더기에 삽입되는지 여부를 감지하는 제2삽입감지부(92a), 및 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하는 제2코일(92b)을 포함할 수 있고, 제3자기신호 발생부(93)는, 스마트카드(1')가 카드리더기에 삽입되는지 여부를 감지하는 제3삽입감지부(93a), 및 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하는 제3코일(93b)을 포함할 수 있다. The first magnetic signal generating unit 91 may include a first insertion detecting unit 91a for detecting whether the smart card 1 'is inserted into the card reader, and a magnetic signal for transmitting data corresponding to the card information. The first coil 91b may be generated. Similarly, the second magnetic signal generating unit 92 may include a second insertion detecting unit 92a for detecting whether the smart card 1 'is inserted into the card reader, and a magnetic field for transmitting data corresponding to the card information. The third magnetic signal generator 93 may include a second coil 92b for generating a signal, and the third magnetic signal generator 93a detects whether the smart card 1 'is inserted into the card reader. And a third coil 93b generating a magnetic signal for transmitting data corresponding to the card information.
이 경우, 제1자기신호 발생부(91)가 카드리더기(도시되지 않음)에 삽입되는 경우 제1삽입감지부(91a)는 제1자기신호 발생부(91)가 카드리더기에 삽입된 것을 감지하면, 제1코일(91b)이 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하여, 카드리더기가 카드정보에 대응하는 데이터를 수집할 수 있도록 한다.In this case, when the first magnetic signal generator 91 is inserted into the card reader (not shown), the first insertion detecting unit 91a detects that the first magnetic signal generator 91 is inserted into the card reader. Then, the first coil 91b generates a magnetic signal for transmitting data corresponding to the card information, so that the card reader can collect data corresponding to the card information.
연속하여, 제1자기신호 발생부(91) 및 제2자기신호 발생부(92)가 카드리더기에 삽입되면, 제2삽입감지부(92a)는 제2자기신호 발생부(92)가 카드리더기에 더 삽입된 것을 감지하면, 그 결과 제1코일(91b) 및 제2코일(92b) 중 적어도 하나가 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하여, 카드리더기가 카드정보에 대응하는 데이터를 수집할 수 있도록 한다.Subsequently, when the first magnetic signal generator 91 and the second magnetic signal generator 92 are inserted into the card reader, the second insertion detection unit 92a causes the second magnetic signal generator 92 to be the card reader. If it is detected that the card is further inserted into the card, as a result, at least one of the first coil 91b and the second coil 92b generates a magnetic signal for transmitting data corresponding to the card information, and the card reader responds to the card information. To collect data.
이어서, 제1자기신호 발생부(91), 제2자기신호 발생부(92) 및 및 제3자기신호 발생부(93) 모두가 카드리더기에 삽입되면, 제3삽입감지부(93a)는 제3자기신호 발생부(93)가 카드 리더기에 더 삽입된 것을 감지하고, 그 결과 제1코일(91a), 제2코일(92b) 및 제3코일(93b) 중 적어도 하나가 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하여, 카드리더기가 카드정보에 대응하는 데이터를 수집할 수 있도록 한다.Subsequently, when all of the first magnetic signal generator 91, the second magnetic signal generator 92, and the third magnetic signal generator 93 are inserted into the card reader, the third insertion detection unit 93a may be configured to include the first magnetic signal generator 91. The three magnetic signal generator 93 is further inserted into the card reader, and as a result, at least one of the first coil 91a, the second coil 92b, and the third coil 93b corresponds to the card information. A magnetic signal for transmitting data is generated to enable the card reader to collect data corresponding to the card information.
이와 같이, 본 발명의 일실시예의 스마트카드(1')는, 복수의 자기신호 발생부(91, 92, 93) 중 카드리더기에 삽입된 자기신호 발생부만을 선택적으로 활성화하도록 하여, 배터리의 소모량을 줄일 수 있다.As such, the smart card 1 ′ of the embodiment of the present invention selectively activates only the magnetic signal generator inserted into the card reader among the plurality of magnetic signal generators 91, 92, and 93, thereby consuming the battery. Can be reduced.
본 발명의 일실시예에서, 제1 내지 제3삽입감지부(91a, 92a, 93a)는 광센서일 수 있으며, 광센서에 의해 광량의 변화가 감지되는 순서대로 제1 내지 제3자기신호 발생부(91, 92, 93)가 활성화될 수 있다.In one embodiment of the present invention, the first to the third insertion detection unit (91a, 92a, 93a) may be an optical sensor, the first to third magnetic signal generation in the order in which the change in the amount of light is detected by the optical sensor The portions 91, 92, 93 can be activated.
또한, 본 발명의 일실시예에 따르면, 제1 내지 제3자기신호 발생부(91, 92, 93)는 각각 제1 내지 제3헤드감지부(91c, 92c, 93c)를 더 포함할 수 있으며, 이 경우 제1 내지 제3자기신호 발생부(91, 92, 93)는 제1 내지 제3헤드감지부(91c, 92c, 93c) 중 카드리더기의 헤드를 감지한 헤드감지부의 자기신호 발생부만 활성화되고, 나머지 자기신호 발생부는 비활성화될 수 있다. 이에 의해, 카드리더기의 헤드를 감지한 자기신호 발생부만이 활성화되기 때문에, 배터리 소모량을 감소시킬 수 있다.In addition, according to an embodiment of the present invention, the first to third magnetic signal generators 91, 92, and 93 may further include first to third head detectors 91c, 92c, and 93c, respectively. In this case, the first to third magnetic signal generators 91, 92, and 93 are magnetic signal generators of the first and third head detectors 91c, 92c, and 93c that detect the head of the card reader. Only activated, the remaining magnetic signal generator may be deactivated. As a result, since only the magnetic signal generator that detects the head of the card reader is activated, the battery consumption can be reduced.
다만, 제1 내지 제3자기신호 발생부(91, 92, 93)는 각각 삽입감지부 및 헤드감지부를 모두 포함하는 일실시예에 대해 설명하고 있으나, 이에 한정되는 것은 아니며, 삽입감지부와 코일만을 포함하도록 구성될 수도 있고, 또는 헤드감지부와 코일만을 포함하도록 구성될 수도 있을 것이다. However, although the first to third magnetic signal generators 91, 92, and 93 each include one embodiment including both an insertion sensing unit and a head sensing unit, the present disclosure is not limited thereto. It may be configured to include only, or may be configured to include only the head sensing unit and the coil.
이와 같은 구성에서, 제1자기신호 발생부(91)가 카드리더기의 헤드에 접하게 되면, 제1헤드감지부(91c)는 카드리더기의 헤드를 감지하고, 그 결과 제1코일(91a)은 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하여, 카드리더기가 카드정보에 대응하는 데이터를 수집할 수 있다.In such a configuration, when the first magnetic signal generating unit 91 comes into contact with the head of the card reader, the first head detecting unit 91c detects the head of the card reader, and as a result, the first coil 91a receives the card. The card reader may collect data corresponding to the card information by generating a magnetic signal for transmitting data corresponding to the information.
이어서, 제1자기신호 발생부(91)가 카드리더기의 헤드를 벗어나고, 제2자기신호 발생부가 카드리더기의 헤드에 접근하게 되면, 제2헤드감지부(92c)는 카드리더기의 헤드를 감지하고, 그 결과 제2코일(92b)이 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하여, 카드리더기가 카드정보에 대응하는 데이터를 수집할 수 있다.Subsequently, when the first magnetic signal generator 91 leaves the head of the card reader and the second magnetic signal generator approaches the head of the card reader, the second head detector 92c detects the head of the card reader. As a result, the second coil 92b generates a magnetic signal for transmitting data corresponding to the card information, so that the card reader may collect data corresponding to the card information.
연속하여, 제1자기신호 발생부(91) 및 제2자기신호 발생부(92)가 카드리더기의 헤드를 벗어나고, 제3자기신호 발생부가 카드리더기의 헤드에 접근하게 되면, 제3헤드감지부(93c)는 카드리더기의 헤드를 감지하고, 그 결과 제3코일(93b)이 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하여, 카드리더기가 카드정보에 대응하는 데이터를 수집할 수 있다.Subsequently, when the first magnetic signal generator 91 and the second magnetic signal generator 92 leave the head of the card reader and the third magnetic signal generator approaches the head of the card reader, the third head detector 93c detects the head of the card reader, and as a result, the third coil 93b generates a magnetic signal for transmitting data corresponding to the card information, so that the card reader can collect data corresponding to the card information. have.
본 발명의 일실시예에서, 제1 내지 제3헤드감지부(91c, 92c, 93c)는 각각 카드리더기의 헤드를 통해 전기가 전도되는지 여부에 기초하여, 카드리더기의 헤드를 감지할 수 있다. 예를 들어, 제1 내지 제3헤드감지부(91c, 92c, 93c)는 각각 2개의 이격된 도전성 물체 쌍으로 구성될 수 있으며, 그 결과 제1 내지 제3헤드감지부(91c, 92c, 93c) 각각에 포함된 2개의 도전성 물체 쌍은 전기가 전도되지 못한다. 이때 제1 내지 제3헤드감지부(91c, 92c, 93c)가 각각 카드리더기의 헤드에 접하게 되면, 2개의 이격된 도전성 물체 쌍은 카드리더기의 헤드를 통해 서로 전기적으로 연결되므로, 2개의 도전성 물체 쌍은 전도될 수 있다.In one embodiment of the present invention, the first to third head detectors 91c, 92c, and 93c may detect the head of the card reader based on whether electricity is conducted through the head of the card reader, respectively. For example, the first to third head sensing units 91c, 92c, and 93c may be formed of two spaced apart conductive object pairs, respectively. As a result, the first to third head sensing units 91c, 92c, and 93c may be formed. The two pairs of conductive objects included in each are not electrically conductive. In this case, when the first to third head sensing units 91c, 92c, and 93c respectively contact the heads of the card readers, the two spaced apart conductive object pairs are electrically connected to each other through the heads of the card readers, and thus, the two conductive objects. The pair may be inverted.
본 발명의 일실시예에서, 지문입력부(19)를 통해 사용자를 인증하며, 사용자 인증이 성공한 경우 제어부(11)는 자기신호 발생부(91, 92, 93)를 활성화 가능 상태로 설정할 수 있다. 즉, 지문입력부(19)를 통해 입력된 지문이 등록된 사용자의 지문이 아닌 경우, 자기신호 발생부(91, 92, 93)가 각각 카드리더기에 삽입되는 경우에도, 제어부(11)는 자기신호 발생부(91, 92, 93)가 동작하지 않도록 제어할 수 있다. 이에 의해 보안성이 향상될 수 있다. In one embodiment of the present invention, the user is authenticated through the fingerprint input unit 19, and if the user authentication is successful, the controller 11 may set the magnetic signal generators 91, 92, and 93 to be in an activated state. That is, when the fingerprint input through the fingerprint input unit 19 is not a registered user's fingerprint, even when the magnetic signal generating units 91, 92, and 93 are respectively inserted into the card reader, the control unit 11 performs the magnetic signal. The generators 91, 92, and 93 may be controlled to not operate. This can improve security.
이하에서는, 도면을 참조로 스마트카드(1')의 동작방법을 설명하기로 한다. Hereinafter, an operation method of the smart card 1 'will be described with reference to the drawings.
도 10a 내지 도 10f는 본 발명의 다른 실시예의 스마트카드의 동작방법을 설명하기 위한 일예시도이다.10A to 10F are exemplary views for explaining a method of operating a smart card according to another embodiment of the present invention.
먼저, 본 발명의 다른 실시에의 스마트카드(1') 역시, 도 7과 같은 과정을 거쳐 사용자가 사용하기를 원하는 카드정보를 선택할 수 있다. 또한, 본 발명의 일실시예에서는, 도 8의 (a)의 카드리더기(8A)에 스마트카드(1')가 삽입되어 동작하는 것을 설명하는 것이다. 설명의 편의를 위해, 카드리더기(8A)에서 카드가 삽입되는 부분만을 도시하고, 이를 '카드리더기(3)'라 하기로 한다. 카드리더기(3)의 중심부에는, 헤드(4)가 배치되어 있을 수 있다. First, the smart card 1 'according to another embodiment of the present invention may also select card information that the user wants to use through the process as shown in FIG. In addition, in the embodiment of the present invention, the smart card 1 'is inserted into the card reader 8A of FIG. For convenience of description, only the portion where the card is inserted in the card reader 8A is shown, which will be referred to as a 'card reader 3'. The head 4 may be arranged at the center of the card reader 3.
본 발명의 일실시예에서는, 자기신호 발생부(91, 92, 93)가 삽입감지부(91a, 92a, 93a) 및 헤드감지부(91c, 92c, 93c)를 모두 포함하는 경우의 동작방법을 설명하기로 하겠지만, 위에서 설명한 바와 같이, 삽입감지부(91a, 92a, 93a)만을 포함하여, 카드리더기(3)에 삽입된 자기신호 발생부가 순차적으로 활성화될 수도 있을 것이다.In one embodiment of the present invention, the operation method in the case where the magnetic signal generating unit (91, 92, 93) includes both the insertion detection unit (91a, 92a, 93a) and the head detection unit (91c, 92c, 93c) As will be described, as described above, the magnetic signal generating unit inserted into the card reader 3 may be sequentially activated, including only the insertion detecting units 91a, 92a and 93a.
도 10a에 도시된 바와 같이, 본 발명의 일실시예의 스마트카드(1')가 도 7과 같은 과정을 거쳐 카드정보를 사용자가 선택하고, 카드리더기(3)에 접근하는 과정에서는, 모든 자기신호 발생부(91, 92, 93)가 비활성화되어 있을 수 있다.As shown in FIG. 10A, in the process in which the smart card 1 ′ of the embodiment of the present invention selects card information through the process as shown in FIG. 7 and approaches the card reader 3, all magnetic signals are detected. The generators 91, 92, and 93 may be deactivated.
도 10b에 도시된 본 발명의 스마트카드(1')의 제1자기신호 발생부(91)가 카드리더기(3)에 삽입되면, 제1자기신호 발생부(91)의 제1삽입감지부(91a)의 동작에 의해 제1자기신호 발생부(91)가 카드리더기(3)에 삽입되었음을 감지할 수 있다. When the first magnetic signal generating unit 91 of the smart card 1 'of the present invention shown in FIG. 10B is inserted into the card reader 3, the first insertion detecting unit of the first magnetic signal generating unit 91 ( By the operation of 91a, it is possible to detect that the first magnetic signal generator 91 is inserted into the card reader 3.
도 10c에 도시된 바와 같이, 본 발명의 스마트카드(1')의 제1자기신호 발생부(91)가 카드리더기(3)의 헤드(4)를 지나는 시점에서, 제1자기신호 발생부(91)의 제1헤드감지부(91c)는 카드리더기(3)의 헤드(4)를 감지하고, 그 결과 제1코일(91a)은 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하여, 카드리더기(3)가 카드정보에 대응하는 데이터를 수집할 수 있다. 동일한 시점에서 제2자기신호 발생부(92)의 제2삽입감지부(92a)는 제2자기신호 발생부(92)가 카드리더기(3)에 삽입되었음을 감지할 수 있다.As shown in FIG. 10C, when the first magnetic signal generator 91 of the smart card 1 'of the present invention passes the head 4 of the card reader 3, the first magnetic signal generator ( The first head detecting unit 91c of 91 detects the head 4 of the card reader 3, and as a result, the first coil 91a generates a magnetic signal for transmitting data corresponding to the card information. The card reader 3 may collect data corresponding to the card information. At the same time, the second insertion detection unit 92a of the second magnetic signal generator 92 may detect that the second magnetic signal generator 92 is inserted into the card reader 3.
도 10d에 도시된 바와 같이, 스마트카드(1')의 제2자기신호 발생부(92)가 카드리더기(3)의 헤드(4)를 지나는 시점에서, 제2자기신호 발생부(92)의 제2헤드감지부(92c)는 카드리더기(3)의 헤드(4)를 감지하고, 그 결과 제2코일(92a)이 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하여, 카드리더기(3)가 카드정보에 대응하는 데이터를 수집할 수 있다. 동일한 시점에서 제1자기신호 발생부(91)의 제1삽입감지부(91a) 및 제3자기신호 발생부(93)의 제3삽입감지부(93a)는 제1자기신호 발생부(91) 및 제3자기신호 발생부(93)가 카드리더기(3)에 삽입되었음을 감지할 수 있다.As shown in FIG. 10D, when the second magnetic signal generator 92 of the smart card 1 'passes the head 4 of the card reader 3, the second magnetic signal generator 92 The second head detecting unit 92c detects the head 4 of the card reader 3, and as a result, the second coil 92a generates a magnetic signal for transmitting data corresponding to the card information, thereby generating a card reader. (3) may collect data corresponding to the card information. At the same time, the first insertion detection unit 91a of the first magnetic signal generator 91 and the third insertion detection unit 93a of the third magnetic signal generator 93 are the first magnetic signal generator 91. And the third magnetic signal generator 93 is inserted into the card reader 3.
도 10e에 도시된 바와 같이, 스마트카드(1')의 제3자기신호 발생부(93)가 카드리더기(3)의 헤드(4)를 지나는 시점에서, 제3자기신호 발생부(93)의 제3헤드감지부(93c)는 카드리더기(3)의 헤드(4)를 감지하고, 그 결과 제3코일(93a)이 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하여, 카드리더기(3)가 카드정보에 대응하는 데이터를 수집할 수 있다. 동일한 시점에서 제2자기신호 발생부(92)의 제2삽입감지부(92a)는 제2자기신호 발생부(92)가 카드리더기(3)에 삽입되었음을 감지할 수 있다.As shown in FIG. 10E, when the third magnetic signal generator 93 of the smart card 1 ′ passes the head 4 of the card reader 3, the third magnetic signal generator 93 The third head detecting unit 93c detects the head 4 of the card reader 3, and as a result, the third coil 93a generates a magnetic signal for transmitting data corresponding to the card information, thereby generating a card reader. (3) may collect data corresponding to the card information. At the same time, the second insertion detection unit 92a of the second magnetic signal generator 92 may detect that the second magnetic signal generator 92 is inserted into the card reader 3.
도 10f에 도시된 바와 같이, 스마트카드(1')의 제3자기신호 발생부(93) 만이 카드리더기(3)에 삽입된 상태를 유지하는 경우, 제3자기신호 발생부(93)의 제3삽입감지부(93a)는 제3자기신호 발생부(93)가 아직 카드리더기(3)에 삽입되어 있음을 감지할 수 있다. 다만, 이 상태에서는 코일을 통해 전송되는 자기신호는 없을 수 있다.As shown in FIG. 10F, when only the third magnetic signal generating unit 93 of the smart card 1 ′ is kept inserted into the card reader 3, the third magnetic signal generating unit 93 may be removed. The third insertion detection unit 93a may detect that the third magnetic signal generation unit 93 is still inserted into the card reader 3. In this state, however, there may be no magnetic signal transmitted through the coil.
즉, 스마트카드(1')는 카드리더기(3)의 헤드(4)의 위치에 대응하는 자기신호 발생부만이 활성화되어 코일에서 자기신호가 발생하므로, 스마트카드(1')의 전원부의 전력소모량을 줄일 수 있다.That is, in the smart card 1 ', only the magnetic signal generator corresponding to the position of the head 4 of the card reader 3 is activated, so that the magnetic signal is generated from the coil. It can reduce the consumption.
다만, 이는 예시적인 것으로서, 자기신호 발생부가 삽입감지부만을 포함하여, 카드리더기(3)에 삽입된 것을 감지한 삽입감지부에 대응하는 자기신호 발생부의 코일이 자기신호를 발생할 수 있다. 즉, 도 10b에서는 제1코일(91b)이, 도 10c에서는 제1 및 제2코일(91b, 92b)이 도 10c에서는 제1 내지 제3코일(91b, 92b, 93b)이, 도 10e에서는 제2 및 제3코일(92b, 93b)이, 도 10f에서는 제3코일(93b)이 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생할 수 있을 것이다.However, as an example, the magnetic signal generating unit may include the insertion detecting unit only, and the coil of the magnetic signal generating unit corresponding to the insertion detecting unit that detects that the magnetic signal generating unit is inserted into the card reader 3 may generate the magnetic signal. That is, the first coil 91b in FIG. 10B, the first and second coils 91b and 92b in FIG. 10C, the first to third coils 91b, 92b and 93b in FIG. 10C, and the first coil 91b and 92b in FIG. 10C. The second and third coils 92b and 93b may generate magnetic signals for transmitting data corresponding to the card information by the third coil 93b in FIG. 10F.
한편, 본 발명의 일실시예에서는, 스마트카드(1')가 카드리더기(3)의 일측으로부터 타측으로 삽입되는 것을 예를 들어 설명하였으나, 수직방향으로 삽입될 수도 있을 것이다. 즉, 카드리더기(3)의 수직방향으로 스마트카드(1')가 삽입되는 경우에는 헤드(4)의 위치에 대응하는 제2자기신호 발생부(92)의 제2코일(92b)이 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생할 수도 있고, 또는 제1 내지 제3삽입감지부(91a, 92a, 93a)가 각각 삽입된 것을 감지하여, 제1 내지 제3코일(91b, 92b, 93b)이 모두 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생할 수도 있을 것이다.On the other hand, in one embodiment of the present invention, the smart card (1 ') has been described as an example of being inserted from one side to the other side of the card reader 3, it may be inserted in the vertical direction. That is, when the smart card 1 'is inserted in the vertical direction of the card reader 3, the second coil 92b of the second magnetic signal generator 92 corresponding to the position of the head 4 is used for card information. A magnetic signal may be generated to transmit data corresponding to the first or third insertion detection units 91a, 92a, and 93a, respectively, and the first to third coils 91b, 92b, 93b) may all generate a magnetic signal for transmitting data corresponding to the card information.
이상에서 본 발명에 따른 실시예들이 설명되었으나, 이는 예시적인 것에 불과하며, 당해 분야에서 통상적 지식을 가진 자라면 이로부터 다양한 변형 및 균등한 범위의 실시예가 가능하다는 점을 이해할 것이다. 따라서, 본 발명의 진정한 기술적 보호 범위는 다음의 특허청구범위에 의해서 정해져야 할 것이다.Although embodiments according to the present invention have been described above, these are merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent embodiments of the present invention are possible therefrom. Therefore, the true technical protection scope of the present invention will be defined by the following claims.

Claims (8)

  1. 플레이트의 일측에 배치되는 디스플레이부;A display unit disposed on one side of the plate;
    복수의 카드정보를 저장하는 집적회로(IC) 칩;An integrated circuit (IC) chip for storing a plurality of card information;
    사용자의 선택입력을 수신하는 입력부;An input unit configured to receive a selection input of a user;
    사용자가 선택한 카드정보에 대응하는 데이터를 비접촉의 통신방식에 의해 전송하는 제1통신부;A first communication unit for transmitting data corresponding to the card information selected by the user by a non-contact communication method;
    상기 사용자가 선택한 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 전송하고, 각각 상호 이격하여 배치되는 복수의 자기신호 발생부; A plurality of magnetic signal generators which transmit magnetic signals for transmitting data corresponding to the card information selected by the user and are spaced apart from each other;
    복수의 카드정보 중 상기 사용자가 선택한 카드정보에 대응하는 데이터를 상기 제1통신부, 상기 자기부 및 상기 IC 칩을 통해 외부 결제기기와 연동하도록 제어하는 제어부를 포함하고, And a controller configured to control data corresponding to the card information selected by the user, among the plurality of card information, to interwork with an external payment device through the first communication unit, the magnetic unit, and the IC chip.
    상기 복수의 자기신호 발생부는, 상기 플레이트의 일측에 배열되며, 카드리더기와의 상대적인 위치에 기초하여 상기 사용자가 선택한 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하는 스마트카드.The plurality of magnetic signal generators are arranged on one side of the plate, the smart card for generating a magnetic signal for transmitting data corresponding to the card information selected by the user based on the relative position with the card reader.
  2. 제1항에 있어서, The method of claim 1,
    카드정보를 수신하는 제2통신부를 더 포함하는 스마트카드.Smart card further comprises a second communication unit for receiving the card information.
  3. 제2항에 있어서, 상기 제2통신부는, 사용자의 이동단말로부터 상기 카드정보를 수신하는 스마트카드.The smart card of claim 2, wherein the second communication unit receives the card information from a mobile terminal of a user.
  4. 제1항에 있어서, The method of claim 1,
    사용자의 지문입력을 수신하는 지문입력부; 및Fingerprint input unit for receiving a fingerprint input of the user; And
    사용자 입력을 수신하는 입력부를 더 포함하는 스마트카드.Smart card further comprises an input unit for receiving a user input.
  5. 제1항에 있어서, 상기 자기신호 발생부는,The magnetic signal generator of claim 1,
    상기 카드리더기에 삽입되는지 여부를 감지하는 삽입감지부; 및An insertion detecting unit detecting whether the card is inserted into the card reader; And
    상기 삽입감지부에 의해 상기 카드리더기에 삽입되었음이 감지되면, 상기 사용자가 선택한 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하는 코일을 포함하는 스마트카드.And a coil for generating a magnetic signal for transmitting data corresponding to the card information selected by the user when the insertion detecting unit detects that the card reader has been inserted into the card reader.
  6. 제5항에 있어서, 상기 삽입감지부는 광센서인 스마트카드.The smart card of claim 5, wherein the insertion detecting unit is an optical sensor.
  7. 제1항에 있어서, 상기 자기신호 발생부는,The magnetic signal generator of claim 1,
    상기 카드리더기의 헤드를 감지하는 헤드감지부; 및A head detecting unit detecting a head of the card reader; And
    상기 헤드감지부에 의해 상기 카드리더기의 헤드가 감지되면, 상기 사용자가 선택한 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하는 코일을 포함하는 스마트카드.And a coil for generating a magnetic signal for transmitting data corresponding to the card information selected by the user when the head of the card reader is detected by the head detecting unit.
  8. 제5항에 있어서, 상기 자기신호 발생부는,The method of claim 5, wherein the magnetic signal generation unit,
    상기 카드리더기의 헤드를 감지하는 헤드감지부를 더 포함하고,Further comprising a head detecting unit for detecting the head of the card reader,
    상기 코일은, 상기 헤드감지부에 의해 상기 카드리더기의 헤드가 감지되는 경우에, 상기 사용자가 선택한 카드정보에 대응하는 데이터를 전송하기 위한 자기신호를 발생하는 스마트카드.And the coil generates a magnetic signal for transmitting data corresponding to the card information selected by the user when the head of the card reader is detected by the head detecting unit.
PCT/KR2018/005765 2017-05-23 2018-05-21 Smart card WO2018216977A1 (en)

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