KR20000006590A - System and method for inquiring a multi function information record medium - Google Patents

Abstract

PURPOSE: A multi function information record medium inquiring system is provided to prevent an illegal use of a card by showing serviceable items read by a card terminal to a user. CONSTITUTION: The multi function information record medium inquiring system comprises: an information record medium access unit(10) which accesses an information record medium loading various card functions; a function setting unit(40) which selects user-appointed service functions; a multi function control unit(20) which displays items of the service functions recorded in the medium to read an information storage region of a corresponding medium when an information record medium is sensed, wherein the multi function control unit reads corresponding service function information from an information storage region when a service function is selected; a preservation module(31) which inquires information read from the access unit under an off-line condition and generates additional information according to the inquired result; and a communication unit(60) which communicates with an external inquiry equipment to inquire information of the information record medium under an on-line condition.

Description

Multifunctional information recording medium and its inquiry system and method

According to the present invention, various types of cards (or tags; hereinafter, the present invention will be described using the card as an example) classified according to a function or application service information associated with a card are mounted on a single card and mounted on the card. By recording the list of functions in the common information storage area, when the user later uses the card, the card terminal reads the information storage area of the card on its own and shows the user various lists of the service functions mounted thereon. The present invention relates to a multi-functional information recording medium which enables a convenient selection of a desired function, and an inquiry system and method using the same.

In particular, the present invention mounts a variety of biometric information of a cardholder on a card, and makes it possible to use the cardholder's identity to check the cardholder's identity by using the cardholder's information. The present invention relates to a multifunctional information recording medium, a multifunctional information recording medium inquiry system, and a retrieval method for preventing illegal use.

Generally, a card (or tag) is a magnetic stripe card, an IC card, or a radio frequency (RF) card depending on a medium storing information or a method of accessing stored information. The card is classified into credit card, debit card, prepaid card, cash card, ID (identity identification) card and affiliate service card according to the service function provided by the card. And its own unique identification information are stored in the information storage area of the card.

Since card terminals accessing and inquiring the cards generally have a processing step requiring only a password input in order to verify the identity of the cardholder, a certain security measure is required in case a password is leaked. Terminals for reading cards have a problem in that the access function is fixed to accommodate only cards having a predetermined service function, so that the correspondence of the card terminals is poor in the future.

Therefore, the present invention was created to solve the above problems, the present invention is equipped with various types of card information or application service information associated with the card, and records the list of functions mounted on the card in the information storage area The card terminal reads the information storage area of the card on its own and displays various lists of on-board service functions to the user so that the user can conveniently select the desired function, and the cardholders can store various biometric information in one card. It provides a multi-functional information recording medium and an inquiry system and method using the same, which can be prevented from counterfeiting and tampering with cards and illegal use by unjust users. There is a purpose.

In order to achieve the above object, in an embodiment of the present invention, an information storage area including a magnetic strip (MS) or a semiconductor chip (IC) for transmitting and receiving information through physical contact or non-contact by radio frequency or light may be applied to a corresponding medium. It provides a multi-function information recording medium characterized by storing the list information of the various service functions mounted, the service function information mounted on the corresponding medium and the biometric information of the card holder.

In order to achieve the above object, another embodiment of the present invention provides information recording medium access means for accessing an information recording medium having various card functions; Function setting means for selecting various service functions designated by a user; When the information recording medium is detected by the access means, the information storage area of the medium is read to display a list of service functions mounted on the medium. When the service function is selected from the user in the display state, the service function information is stored. Multi-function control means for querying information by reading from the area; A security module (SAM) for off-line retrieving the information read by the access means and generating additional information according to the retrieval result; Communication means for performing communication with an external inquiry device for on-line inquiry of information of the information recording medium; A multifunctional information recording medium inquiry system having display means for displaying a desired service message by said control means is provided.

In order to achieve the above object, in another embodiment of the present invention, when an information recording medium having various card functions is detected, the service function is displayed while reading the information storage area of the medium and displaying the service functions mounted on the medium. Waiting to be selected; When the service function is selected from the user in the standby state, a multi-function information recording medium inquiry method comprising a second step of reading and processing the corresponding service function information and password or biometric information of the cardholder from the information storage area is provided.

1 is a block diagram showing a schematic configuration of a multi-function information recording medium inquiry system of the present invention;

2A and 2B are flowcharts for explaining a multi-function information recording medium inquiry method according to the present invention.

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

10: access means 11: RF card recognition unit

12: IC card recognition unit 13: MS card recognition unit

14: RF card 15: IC card

16: MS card 20: multi-function control means

30: security module (SAM) 31: RF security module (SAM)

32: IC security module (SAM) 40: function setting section

50: display unit 60: communication means (modem)

70: biometric information recognition unit

Hereinafter, the multifunctional information recording medium according to the present invention, its inquiry system and method, and the effects thereof will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing a schematic configuration of a multi-function information recording medium inquiry system of the present invention. In particular, an inquiry system using a card as an information recording medium is given as an example. In the figure, the M / S card 16 represents a card or a module using magnetism. The IC card 15 is a contact module equipped with a semiconductor chip having an information storage area for transmitting and receiving information through physical contact, and represents an IC card, a tag, or a module. The RF card 14 is a non-contact module mounted with a semiconductor chip having an information storage area for transmitting and receiving information using radio frequency or light, and represents an RF card, tag, or module. Accordingly, although not shown in the drawings, the cards may be implemented in a tag form or other forms.

Here, each information recording medium divides an information storage area into a common information storage area and a unique information storage area. The common information storage area stores list information of various service functions mounted on a corresponding medium, and the unique information. The storage area stores the service function information mounted on the medium, and also stores at least one or more information about the biological of the medium owner together with the service function information to confirm the identity of the card holder.

The biometric information stored in the unique information storage area is fingerprint, voiceprint, DNA information, hongmunmun, palmprint, foot print, facial feature information, varicose vein information, etc., and can be stored as it is, and compressed to save storage space. It is possible to extract a feature from a state or biometric information and store only that feature.

The information recording medium access means 10 reads or records the information recorded on the medium using the magnetic strip MS as the information storage area, that is, the information on the MS card 16 through the MS card recognition unit 13.

In addition, the information recording medium access means 10 records on the IC card 15, i.e., a medium for transmitting and receiving information by physical contact with the semiconductor chip, among the media using the semiconductor chip IC as an information storage area. Read or recorded information through the IC card recognizing unit 12 and recorded on the RF card 14, that is, a medium for transmitting and receiving information by non-contact using radio frequency or light without physically contacting the semiconductor chip. The information is read or recorded through the RF card recognition unit 11.

And the function setting means 40 is composed of a keypad or a touch screen, etc. according to the user's intention of various desired service functions, namely credit card function, debit card function, cash card function, prepaid card function, ID card function, various Used to select the affiliate service card function.

The biometric information recognition means 70 may include one or more sensors for obtaining human body information, that is, fingerprint, voiceprint, DNA information, iris print, palmprint, foot print, facial feature information, varicose vein information, and body temperature information. These sensors receive image signals of the external human body and convert them into electrical signals to recognize the biological information of the human body.

When the information recording medium is detected by the access means, the multifunction control means 20 first reads the common information storage area of the medium, displays a list of service functions mounted on the medium, and executes a function of notifying the user. When the service function is selected by the user in the display state, the service function information loaded on the card is read from the unique information storage area of the card, and the information is retrieved.

The security module (SAM) 30 may include an RF security module 31 and an IC security module 32 for inquiring information read from each of the RF card and the IC card, and generating additional information according to the inquiry result. Can be.

Each of the RF security module 31 and the IC security module 32 encrypts some of the information read from one card by a predetermined encryption method such as a secret key or a public key, respectively, to secure security. It may be.

The modem 60 is added for on-line inquiry of information of the information recording medium, and is used as a communication means for communicating with an external inquiry apparatus.

The display means 50 displays the desired service message by the control means.

2A and 2B are flowcharts illustrating a multi-function information recording medium inquiry method according to the present invention, which includes a plurality of card functions and user application service functions, and displays a list of the mounted functions and biometric information in an information storage area. A first step (FIG. 2A) and a second step (FIG. 2B) of accessing one recorded information recording medium for inquiry processing are provided.

In the first step of the process, first, whether one of the MS medium (MS card or tag), contact medium (IC card or tag) or non-contact medium (RF card or tag) equipped with various card functions is detected. Check (S201-S203). If one medium is detected as a result of the check, information is read from the common information storage area of the detected medium (S204) and displayed through the display means (S205), and there is a function selection operation (S208-S214) by the user within a specified time. Wait (S206, 207). At this time, the list of service functions mounted on the medium is stored in the common information storage area of the information recording media, so that the user can know what kind of service function the currently read medium has.

Therefore, in the first step, a desired card function can be selected from among a credit card function, a debit card function, a cash card function, a prepaid card function, an ID card function or a plurality of affiliate service functions using a function setting means such as a keypad or a touch screen. . In addition, when an error occurs when the card function is selected, the error state can be displayed (S215).

The second step is performed when the service function is selected from the user in the standby state, and it is determined whether there is a password option (S216), and if there is no password option (No branch of S216), the next judgment step (biological information). In step S219), if there is a password option (YES branch of S216), a password is input from the user within a specified time (S218).

If there is no biometric information option (S219), and if there is no biometric information option (NO branch of S219), the process proceeds to the next processing step (service function information reading step S221), and if there is a biometric information option (S219). "Yes" branch of S219) Read the signal detected from the biometric information recognition means (S219-1), read the biometric information from the unique information storage area of the information recording medium (S220) and compare the two biometric information to match It is determined whether or not (S220-1).

Finally, the corresponding service function information is read from the unique information storage area of the information recording medium detected in the first step (S221) and the information collected in each step (password input information, biometric information, service function of the card). Information, etc.) through the security module 31, 32 or the modem 60 (S222) to execute the service function according to the inquiry result.

The above-mentioned multifunctional information recording medium and its inquiry system and method provide various functions to one card, and when the card terminal reads the card itself, it can read the service function mounted on the card. Can be useful in the case of a single integrated system, and this harmonized system and method can be used not only in the embodiments described above, but also in cash dispensers (CDs) or cash in / out machines (Automated Cash Receiving), where cash is the main processing task. Transaction Machine) and various similar equipment or semiconductor chips can be easily applied.

According to the present invention as described above, a plurality of card functions and user application service functions are mounted on an M / S card or a contact or contactless card, and a list of the mounted functions is recorded in a common information storage area, and the lists are subsequently added. By showing to the user, it gives the user the convenience of selecting various functions, and the cardholder biometric information such as fingerprint, gate, DNA, hongchemun, palm, foot prints, facial characteristics, and varicose veins By using the same for identification, there is an advantage of preventing the forgery and tampering of the card.

Claims (19)

A multifunctional information recording medium characterized by storing information on a list of various service functions mounted on a medium and information on service functions mounted on a medium in an information storage area. The method of claim 1, wherein the information storage area is divided into a common information storage area and a unique information storage area, and the common information storage area stores list information of various service functions mounted on a corresponding medium, and the unique information. Multi-purpose information recording medium, characterized in that the storage area is divided into the service function information mounted on the medium. 3. The multi-function information recording medium of claim 2, wherein the unique information storage area stores at least one piece of information on a living body of the owner of the medium together with service function information. 4. The multifunctional information recording medium according to claim 3, wherein the biometric information of the owner of the medium stored in the unique information storage area is stored as it is. 4. The multifunctional information recording medium of claim 3, wherein the biometric information of the owner of the media stored in the unique information storage area is compressed and stored. 4. The multi-function information recording medium according to claim 3, wherein the biometric information of the owner of the medium stored in the unique information storage area is extracted by storing characteristics in the information. 4. The multifunctional information recording medium according to claim 3, wherein the information storage area comprises a magnetic strip (MS) for transmitting and receiving information through physical contact. 4. The multifunctional information recording medium of claim 3, wherein the information storage area comprises a semiconductor chip (IC) for transmitting and receiving information through physical contact. 4. The multifunctional information recording medium according to claim 3, wherein the information storage area comprises a semiconductor chip (IC) for transmitting and receiving information through non-contact by radio frequency or light. Information recording medium access means for accessing the information recording medium having various card functions; Function setting means for selecting various service functions designated by a user; When the information recording medium is detected by the access means, the information storage area of the medium is read to display a list of service functions mounted on the medium. When the service function is selected from the user in the display state, the service function information is stored. Multi-function control means for querying information by reading from the area; A security module (SAM) for off-line retrieving the information read by the access means and generating additional information according to the retrieval result; Communication means for performing communication with an external inquiry device for on-line inquiry of information of the information recording medium; And a display means for displaying a desired service message by said control means. 11. The multifunctional information recording medium inquiry system according to claim 10, further comprising biometric information recognition means for receiving an image signal of an external human body and converting the image signal into an electrical signal to detect biometric information of the human body. 12. The multifunctional information recording medium inquiry system according to claim 11, wherein said information recording medium access means includes access means for reading or recording an information recording medium using a magnetic strip (MS) as an information storage area. 12. A multifunctional information recording medium according to claim 11, wherein said information recording medium access means includes access means for reading or recording an information recording medium using a semiconductor chip (IC) as an information storage area for transmitting and receiving information through physical contact. Inquiry system. 12. The apparatus according to claim 11, wherein said information recording medium access means includes access means for reading or recording an information recording medium using a semiconductor chip (IC) as an information storage area for transmitting and receiving information through non-contact by radio frequency or light. Multifunctional information recording medium inquiry system. 12. The apparatus according to claim 11, wherein the information recording medium accessing means, the function setting means, the security module (SAM), the biometric information recognition means, the communication means, and the multifunctional control means are mounted on a single substrate, and the whole thereof is mounted. Multi-functional information recording medium inquiry system, characterized in that sealed with one body made into a hybrid chip. 12. The multifunctional information recording medium according to claim 11, wherein the information recording medium accessing means, the function setting means, the biometric information recognizing means, the communication means, and the multifunctional control means are multi-functional one chip on a single board. Inquiry system. A first step of reading the common information storage area of the medium and displaying the service functions mounted on the medium when the information recording medium having various card functions is detected and waiting for the service function to be selected; And a second step of inquiring and processing the corresponding service function information from the unique information storage area when the service function is selected from the user in the standby state. 18. The multi-function information according to claim 17, wherein the second step reads the service function information from the unique information storage area under the condition that the password is input by the user and performs the inquiry processing together with the service function information and the input password. How to Inquire Record Media. 18. The method of claim 17, wherein the second step reads at least one biometric information of the owner of the information recording medium from the unique information storage area of the information recording medium and compares the biometric information detected from an external human body. The multi-function information recording medium query method, characterized in that the service function information and the biometric information is processed together if the match.