KR100888462B1 - Card medium and method for controlling the card medium - Google Patents

Abstract

A card medium and a method for controlling the card medium are provided to display card information on a card surface only when user authentication is normally performed. A display unit displays the information non-related to card information before an authentication key is inputted(S200). An authentication key input unit receives the authentication key(S204), and it is judged whether or not the authentication key is valid(S206). If the authentication key is valid, a controller supplies power from a power supply unit in a card and displays the card information corresponding to the inputted authentication key on a display unit consisting of an electronic paper(S208).

Description

Card medium and method for controlling the card medium

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to card media, and more particularly, to a card media with enhanced security and a control method of the card media.

In the present specification, a credit card is described as an example for convenience of description.

Credit cards can be classified in various ways depending on how they are used, whether or not they have a built-in microprocessor, and whether or not they have a battery.

Most such credit cards have the configuration shown in FIG. 1A is a surface view of a typical credit card, and FIG. 1B is a back view of a typical credit card.

In the drawing, the logo of the credit card company (1) is printed on the surface of the credit card, and the credit card number (2), the personal name (3), and the expiration date (4) are printed on the pressing so that it can be sensed. Stamping is protruded and printed. Of course, a worker or a creditor of each store can easily identify the owner of the credit card and the user to use, and the upper body photo of the owner may be printed on the surface of the credit card for the purpose of preventing theft. In addition, a magnetic tape 5 is attached to the back side so as to recognize the credit status of the credit card or the user's credit and to obtain permission for use. When the credit card is a contactless card, an IC (Integrated Circuit Chip) chip is embedded in the credit card. And there is a signature writing column (6) which allows the credit card holder to take his signature.

A credit card having such a structure allows a magnetic tape 5 to pass through a card reader, or a credit card close to an RFID recognition device to read card information in a credit card, and the card information is read through a communication network. Request for approval. If the credit card is a valid result, the payment is normally performed.

However, since the above credit card is already printed on the front and back of the credit card (1) (2) (4) and personal information (3), if the credit card is lost or stolen, Likely to be used.

That is, since the third party can immediately identify what kind of credit card the credit card is, the payment process can be easily performed at a store or the like where the credit card can be used. In addition, when purchasing goods and payments in offline stores, etc., most payments are made without checking whether the owner of the credit card is true, so there is a limit to preventing unauthorized use. Although the signature of the holder signed on the back of the credit card is verified at the time of payment, since the signature information of the card holder signed on the back of the credit card is exposed, the other person who acquired the credit card must sign the signature. By imitating the information and signing it, no problem occurs in the payment process until the credit card holder is reported lost or stolen. Because of this, even if the credit card is lost and stolen, another person can normally use the credit card until the original owner's report is issued, which causes a great economic impact on the legitimate holder of the credit card.

In addition, in order to receive various services of each credit card company, an individual must carry a plurality of cards applied thereto. In this case, as a result of carrying a plurality of cards used as cash, not only is it inconvenient to carry, It causes troublesome management and use.

After all, the current credit card is limited to prevent the illegal use of the credit card if the credit card is stolen or lost, and due to the inconvenience of carrying, a new type of credit card is required.

An object of the present invention is to solve the above problems, and to improve the security by not displaying information on the card surface.

Another object of the present invention is to display card information on the card surface only when the card holder user authentication is normally authenticated.

Another object of the present invention is to improve portability of the card.

According to a feature of the present invention for achieving the above object, a power supply for power supply, a storage unit for storing at least one or more card information and authentication key information corresponding to the card information, and performing a control operation A card body with a built-in control unit; A display unit integrally formed on a surface of the card body to display the card information; And an authentication key input unit provided in the display unit to receive an authentication key, wherein the control unit supplies power to the display unit only when the authentication key input by the authentication key input unit is valid. Control to display card information corresponding to the authentication key.

The display unit is formed only on a portion of the surface of the card body, and the authentication key input unit is formed on the surface of the card body in which the display unit is not formed.

 The display unit may include a first display unit displaying the card information and a second display unit displaying usage information according to the use of the card.

The display unit is composed of electronic paper (E-Paper).

The card information may include at least one of a card company logo, a card number, and an expiration date information for identifying a card type of each card, and the usage information may include at least one of a card payment amount, card balance information, coupon, and mileage information. It includes.

According to another feature of the invention, the authentication key input step of inputting the authentication key through the input unit provided in the predetermined portion of the card; A determination step of determining whether the input authentication key is valid; And if the input authentication key is justified, displaying the card information corresponding to the input authentication key on the display unit integrally formed on the surface of the card while supplying power from the power supply unit inside the card. It is made to include.

Before the authentication key is input, the display unit causes predetermined information not to be displayed or information related to the card information is displayed.

In the displaying step, at least one of a card company logo, a card number, and an expiration date information for identifying a card type is displayed.

In the displaying step, the card company logo is first displayed, and then at least one of the card number, the expiration date information, and the personal signature information of the card holder is displayed.

In the state where the card company logo is displayed, further comprising the step of further inputting a card use authentication key through the input unit, only if the input card use authentication key is valid, out of the card number, expiration date information, personal signature information Display at least one.

After the card is used, the method further includes displaying usage information according to the use of the card on the display unit, wherein the display unit displays one or more of a card payment amount, card balance information, coupon, and mileage information. .

The card information and the usage information displayed on the display unit are displayed only for a predetermined time.

When the predetermined time elapses, the display unit causes information to not be displayed or information related to the card information to be displayed.

The card information and the usage information are displayed on a display unit made of electronic paper.

In the present invention, an electronic paper is integrally formed on the surface of a card medium such as a credit card, and no information is displayed before the credit card is used, so that a third party who acquires the credit card even if the credit card is lost or stolen is credited. By not knowing the type of the card at all, the unauthorized use of the credit card is provided at the source.

In addition, since the payment process is performed only when the authentication key for using the credit card is justified, the security of the credit card is further improved.

In addition, by integrating a card of several functions in one card design, it is possible to solve the inconvenience caused when carrying and storing a plurality of conventional cards.

Hereinafter, a preferred embodiment of a card medium and a method of controlling the card medium according to the present invention will be described in detail with reference to the accompanying drawings. In this embodiment, a non-contact credit card will be described as an example.

2 is a block diagram of a credit card according to a preferred embodiment of the present invention.

2, the credit card 100 is provided with a power supply 102. The power supply unit 102 uses internal power charged with predetermined power. However, when the credit card 100 is in contact with a card reader (not shown), the card reader receives power from the card reader or is charged through an external power supply, thereby providing power when using a credit card. Can be applied as In addition, a piezoelectric element may be incorporated in the credit card 100, and electricity may be generated using the piezoelectric element to be used as a power source for use of the credit card.

An authentication key input unit 104 for inputting an authentication key for normal use of the credit card 100 is provided. The authentication key input unit 104 is formed on at least one surface of the front or rear of the credit card 100, in the embodiment will be described as being formed on the front of the credit card 100. For example, FIGS. 3A to 3C show that an authentication key input unit 104 is formed on a part of the front surface of the credit card 100. The authentication key input unit 104 is installed in the credit card 100 in the form of an 8-segment so that a third party cannot know the formation position of the authentication key input unit 104. Of course, the authentication key input unit 104 may be formed in any number of other forms. Power is supplied from the power supply unit 102 so that information can be displayed on the display unit 110 described below only when the input authentication key input through the authentication key input unit 104 matches a pre-stored reference authentication key. Supplied. The power required for inputting the authentication key is stored in an unshown battery of the credit card 100, or when the credit card 100 is in contact with the card reader, it is supplied from the card reader.

 A storage unit 106 for storing the reference authentication key is provided. The storage unit 106 stores card information, personal information, and the like of the credit card 100.

The control unit 108 for controlling the overall operation of the credit card 100 is provided. The controller 108 is mounted inside the credit card 100 in the form of an IC chip. The control unit 108 determines whether the input authentication key is valid, and supplies power from the power supply unit 102 only when the input authentication key is matched with the reference authentication key. The information is controlled to be displayed on the display unit to be described below. Preferably, the card information and the personal information are displayed only for a predetermined time.

The display unit 110 is provided on a part or the whole of the front and rear of the credit card 100. The display unit 110 uses electronic paper (E-Paper). The display unit 110 may include a first display unit 112 displaying a card company logo, card number, and expiration date information, and a second display unit displaying card payment amount, card balance information, coupon, and mileage information according to the use of the card ( 114). Of course, only one display unit 110 may be configured, and the card company logo, card number, expiration date information, card payment amount, card balance information, coupon, and mileage information may be sequentially displayed according to the order of using the card.

On the other hand, it is preferable that the authentication key input unit 104 is provided together with the display unit 110. That is, when the authentication key input unit 104 is provided on the surface of the credit card 100, an input device having a predetermined physical shape should be configured. However, when the authentication key input unit 104 is provided on the display unit 110, This is because the display unit 110 is made of electronic paper, so that an authentication key or the like can be input by simple touch operation. The authentication key is used in the form of at least one or a combination of numbers, letters, patterns.

3 is a front view of a front surface of various types of card media according to an embodiment of the present invention. 3A to 3C are surface views of a card medium. 3A illustrates that the display unit 110 of the electronic paper is integrally formed on the front of the credit card 100 having a predetermined size. At this time, no information is displayed on the display unit 110. 3B shows that the display portion of the electronic paper is partitioned into a first display portion 112 and a second display portion 114 on the front of the credit card 100. The card company logo, card number, and expiration date information are displayed on the first display unit 112, and the card payment amount, card balance information, coupon and mileage information, etc. are displayed on the second display unit 114. Of course, the display units 112 and 114 may be formed on the back of the credit card 100, and the first display unit 112 and the second display unit 114 may be formed on the front of the credit card 100. can do. In FIG. 3C, the display unit 116 is formed only on a predetermined portion of the front surface of the credit card 100, and information that is not related to the card, such as personal information, advertisement information, and current information, is printed on the remaining card surfaces. 3C is an example in which personal information is displayed. The personal information is printed on the cardholder's name and telephone number. That is, in the present embodiment, the formation positions of the display units 110, 112, 114, and 116 are not important, and a display unit capable of displaying information on the surface of the credit card 100, that is, electronic paper is integrally formed. For example, the electronic paper may display information only when the authentication key is legitimate. If the card is not used, no information may be displayed or information unrelated to the card may be displayed. Will make it unknown.

Next, a control method of the credit card having the above configuration will be described.

4 is a flowchart illustrating a credit card control method according to a first embodiment of the present invention. In the first embodiment, the credit card shown in FIG. 3A will be described as an example.

First, since no power is supplied to the display unit 110 when the credit card 100 is not used, no information is displayed on the front and rear surfaces of the credit card 100 (S200). Alternatively, even when power is supplied to the display unit 110, only information that has nothing to do with the credit card, or business card information of the credit card holder is displayed. Therefore, even if the credit card is stolen or lost, the user who acquires it cannot know at all whether the credit card can be used for payment, what kind of card, and at which merchant. .

In order to use the credit card (s202), an authentication key is input through the authentication key input unit 104 (s204). The input authentication key may be input in at least one or more forms, such as numbers, letters, and patterns, using 8-segments.

The controller 108 compares the authentication key input through the authentication key input unit 104 with the reference authentication key stored in the storage unit 106 and determines whether or not a match exists (S206). As a result of the determination, if the input authentication key is abnormal, the controller 108 maintains the current state. That is, power is not supplied from the power supply unit 102 so that no information is displayed on the display unit 110. On the other hand, if the input authentication key is matched with the reference authentication key stored in the storage unit 106, the control unit 108 is to supply a predetermined level of power from the power supply unit 102 to the display unit 110, The card information corresponding to the input authentication key is displayed on the display unit 110 (s208). That is, as shown in FIG. 5, the logo of the credit card company, the credit card number, the holder's name, and the expiration date information are displayed on the display unit 110 of the credit card 100.

When various types of information are displayed as shown in FIG. 5, it is possible to know what kind of credit card the credit card 100 is. It will be in the form of a general credit card. The payment process using the credit card 100 in which the information is displayed is the same as the general process (S210). That is, when a credit card is submitted for payment after a transaction, the merchant contacts the card reader so that the terminal reads the card information, and then sends the card information to the credit card information server through a communication network to request approval. The credit card information server analyzes the transferred credit card information and sends data to the credit card company server to check whether the credit card is a valid credit card. After receiving the inquiry result from the credit card company server, if the credit card is a valid credit card, the terminal Send the approval signal to the. At this time, the information transmitted from the credit card information server to the terminal is printed as a transaction statement on the terminal as simple data.

After the use of the credit card is completed (s212), the control unit 108 cuts off power supply to the display unit 110 so that the card information is not displayed, or the control unit 108 displays the display unit 110. While supplying power to the card information unrelated to the card information is displayed (S214).

On the other hand, the credit card is not used as a single credit card, but can be used in the form of an integrated card that includes functions such as credit cards, debit cards, prepaid cards, cash cards, partnership cards, identification cards of other financial institutions.

In this case, the card-specific information and ID information must be stored in the storage unit 106, respectively. In addition, the storage unit 106 should be stored in each of the authentication key corresponding to the card-specific information and ID information. Hereinafter, with reference to Figure 6 will be described with reference to the integrated card that can be used as a credit card, partnership card, identification card. 6 illustrates an example in which corresponding card information is displayed when an authentication key is input in the integrated card.

In Fig. 6, the integrated card holder selects a card to be used from among the cards provided in the integrated card. That is, if a credit card of 'A' card company is used, the holder inputs a first authentication key preset for use of the credit card of 'A' card company through the authentication key input unit 104. If you are using a credit card on a 'B' card, you must enter a second authentication key that is preset to use your credit card on a 'B' card, and to use your debit card, you must pre-set it. You must enter an authentication key.

The control unit 108 compares the input authentication key with the authentication key stored in the storage unit 106. As a result of the comparison, the card information of the card to be used, for example, the logo of the credit card company, the credit card number, the holder's name and the expiration date information, etc. are displayed while supplying power to the display unit 110 of the integrated card only when there is a match. .

Therefore, different card information is displayed on the display unit 110 according to the type of card to be used.

In this way, even if the integrated card is stolen or lost, it is impossible to know at all what kind of card and a usable card the integrated card is.

7 is a flowchart illustrating a credit card control method according to a second embodiment of the present invention. In the second embodiment, the information displayed on the credit card described in the first embodiment is the same. However, when the credit card is settled, an additional authentication key is input to determine the validity of the user.

That is, when the authentication key inputted through the authentication key input unit 104 and the reference authentication key in the credit card 100, in which information is not displayed as in the first embodiment, the controller 108 credits the display unit 110. The card company's logo, credit card number, holder's name and expiration date are displayed (s300).

In such a state, the authentication key input unit 104 receives a payment authentication key for actual credit card use (s302).

The controller 108 determines whether the input payment authentication key is valid (S304). If the input payment authentication key is valid, the payment process is performed (S306). That is, when the credit card 100 is in contact with the card reader, the controller 108 transmits the card information to the terminal connected to the card reader. Up to this point, the power supply must ensure that power is supplied to the credit card. Thereafter, the card information is transmitted to the credit card information server through the communication network for the authorization request, and the credit card information server analyzes the transferred credit card information and transmits the data to the corresponding credit card company server to check whether it is a valid credit card. After receiving the inquiry result from the credit card company server, if the credit card is a valid credit card and transmits the approval signal to the terminal. At this time, the credit card information server transmits payment information such as a payment amount, a payment account balance, and a card remaining limit to the terminal.

The terminal transmits the payment information to the credit card (100). The credit card displays the payment information on the display unit 110 under the control of the controller 108 (S308). If so, the credit card user can immediately check the payment information of the credit card when using the credit card (s310). After the predetermined time elapses, the card information and the payment information displayed on the display unit 110 are removed (S312), and no information is displayed on the display unit 110 (S314).

Meanwhile, when displaying card information and payment information, if the credit card is a credit card divided into the first display unit 112 and the second display unit 114 as shown in FIG. 3B, the card information is the first display unit 112. The payment information is displayed on the second display unit 114. In this case, the card information and the payment information may be displayed together, or the card information and the payment information may be sequentially displayed according to the order of using the credit card.

Although described with reference to the illustrated embodiment of the present invention as described above, this is merely exemplary, those skilled in the art to which the present invention pertains various modifications without departing from the spirit and scope of the present invention. It will be apparent that other embodiments may be modified and equivalent. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

1A is a front view of a typical credit card, and FIG. 1B is a back view of a typical credit card.

2 is a block diagram of a credit card according to a preferred embodiment of the present invention.

Figure 3 is a front view showing the front of the card medium of various forms in accordance with an embodiment of the present invention.

4 is a flowchart of a credit card control method according to a first embodiment of the present invention;

FIG. 5 is a credit card surface view showing a logo of a credit card company, a credit card number, a holder name, and an expiration date on a display unit of a credit card according to an embodiment of the present invention. FIG.

6 is an exemplary view that the corresponding card information is displayed when the authentication key in the integrated card.

7 is a flowchart of a credit card control method according to a second embodiment of the present invention;

* Description of the symbols for the main parts of the drawings *

102: power supply unit 104: authentication key input unit

106: storage unit 108: control unit

110: display unit

Claims (8)

A card body having a power supply unit for supplying power, a storage unit for storing at least one or more card information and authentication key information corresponding to the card information, and a control unit for performing a control operation; A display unit integrally formed on a surface of the card body to display the card information; And, An authentication key input unit provided in the display unit to receive an authentication key; The control unit displays card information corresponding to the input authentication key while supplying power to the display unit only when the authentication key input by the authentication key input unit is legitimate. The display unit is a card medium, characterized in that consisting of electronic paper (E-Paper). The method of claim 1, wherein the display unit, Is formed on only part of the surface of the card body, and comprises a first display unit for displaying the card information, and a second display unit for displaying the usage information in accordance with the use of the card, And the authentication key input unit is formed on a surface of the card body in which the display unit is not formed. The method of claim 2, The card information includes at least one of a card company logo, a card number, and an expiration date information for identifying the card type for each card,  The use information, the card medium, characterized in that at least one of the balance information, card balance information, coupons and mileage information. An authentication key input step of inputting an authentication key through an input unit provided in a predetermined portion of the card; A determination step of determining whether the input authentication key is valid; And, A display step of displaying on the display unit made of electronic paper integrally formed on the surface of the card only the card information corresponding to the input authentication key while the power is supplied from the power supply unit inside the card if the input authentication key is justified. Including; Before the authentication key is input, the display unit controls the card medium to display predetermined information that is not displayed or information related to the card information. The method of claim 4, wherein The card information control method of the card medium, characterized in that at least one of the card company logo, card number, expiration date information that can confirm the card type is displayed. The method of claim 5, In the displaying step, the card company logo is first displayed; In a state where the card company logo is displayed, further comprising the step of further inputting a card use authentication key through the input unit, And at least one of the card number, the expiration date information, and the personal signature information of the card holder, when the input card use authentication key is justified. The method of claim 6, And after the card is used, displaying usage information according to the use of the card on the display unit, At least one of a card payment amount, card balance information, coupon and mileage information is displayed on the display unit. And the card information and the usage information displayed on the display unit are displayed only for a predetermined time. The method of claim 7, wherein And after the predetermined time has elapsed, display information is not displayed or information unrelated to the card information is displayed.

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