WO2008127044A1

WO2008127044A1 - Contactless card

Info

Publication number: WO2008127044A1
Application number: PCT/KR2008/002066
Authority: WO
Inventors: Kyo Yang Park; Kyung Yang Park
Original assignee: Harex Infotech Inc
Current assignee: Harex Infotech Inc
Priority date: 2007-04-13
Filing date: 2008-04-11
Publication date: 2008-10-23
Anticipated expiration: 2009-10-13
Also published as: KR100834845B1

Abstract

Provided is a contactless card for transmitting stored data through wireless communication with an external reader. The contactless card includes a first memory chip for storing a first data, a second memory chip for storing a second data different from the first data, a first wireless antenna connected to the first memory chip through a first switch, and a second wireless antenna connected to the second memory chip through a second switch. The first memory chip, the first switch, and the first wireless antenna are connected in series to form a closed circuit, and the second memory chip, the second switch, and the second wireless antenna are connected in series to form a closed circuit. The second switch is closed when the first switch is opened, and the second switch is opened when the first switch is closed.

Description

CONTACTLESS CARD

Technical Field

[1] The present invention relates to a contactless card, and more particularly, to a contactless card that can store a plurality of information data with different importance degrees and output information data suitable for circumstances to the outside, thereby enhancing security and convenience. Background Art

[2] Recently, the use of contactless cards has been increased. The contactless cards transmit stored data through wireless communication with an external reader.

[3] FIG. 1 is a schematic view of a typical contactless card.

[4] Referring to FIG. 1, the typical contactless card includes a board 11, a wireless antenna 12, and a chip 13. The chip 13 includes a smart card chip with a built-in CPU, and a memory chip with only a data backup memory.

[5] If the typical contactless card of FIG. 1 approaches a reader, card information stored in the chip 13 is transmitted to the reader through the wireless antenna 12 fixed on the board 11. Generally, the contactless card is used in a way that a user consciously approaches the reader, but the information is transmitted in a contactless wireless manner. Therefore, information stored in the card may leak out without a user's perception. The application range of such contactless wireless cards is expanding. For example, the contactless wireless cards are used in ID cards, transportation cards, cash cards, and credit cards. Therefore, apprehensions about electronic robbery of information stored in the cards are increasing.

[6] Particularly, in recent years, it is general that various types of information are stored in a single card. For example, an attempt has been made to embed rechargeable transportation payment information (e.g., T-money), which has no risk of personal information leakage, and personal identification information or personal financial information of a credit card, a department store card, or a membership card in a single contactless card.

[7] For example, Korean Patent Application No. 2004-90385 discloses an ATM using a contactless IC chip and an operating method thereof, which can conduct a desired financial transaction by accessing the ATM in a contactless manner. More specifically, if a personal digital assistant (PDA) or mobile communication terminal with a built-in contactless IC card or contactless IC chip, which is used as a transportation card, approaches the ATM within a predetermined distance, the ATM receives wireless data and authenticates the received wireless data. Then, the ATM enables financial services such as cash deposit or withdrawal or transfer. Therefore, the users can easily use the ATM as if they use the transportation card. An object of the above-described related art is to provide various transaction media, thereby improving user's convenience and service efficiency of financial institutions.

[8] In these cases, however, there is a significant possibility that financial information will leak out without user's perception. For example, if a wireless reader for financial transaction is secretly installed near a transportation card reader, the personal financial information may leak out because the user's financial information is unconsciously transmitted to the hidden reader even though the user uses the card as the transportation card.

[9] As approaches to solving the above-described problems, U.S. Patent Publication No.

2003/0132301 Al, U.S. Patent Publication No. 2004/0124248 Al, and European Patent Publication No. 1544 787 Al are disclosed. A button-type switch manually operated by a card user is attached to an on-card wireless antenna, and the card information is transmitted when the card user presses the switch. Therefore, such a structure can prevent electronic robbery of the card information without user's perception when the card is put in a user's pocket or wallet.

[10] A basic structure disclosed in the above-listed three references is illustrated in FIG. 2.

Referring to FIG. 2, the contactless card includes a board 21, a wireless antenna 22, a chip 23, and a switch 24 connected to a push button.

[11] When the user presses the button to close the switch 24, the chip 23 and the antenna

22 are electrically connected so that the card information stored in the chip 23 is transmitted to the reader through the wireless antenna 22.

[12] According to the above-described method, however, the user must consciously manipulate the card in order to use the card. Otherwise, the card cannot be used. Thus, the convenience of the contactless card is degraded and there is no difference from a conventional magnetic card.

[13] Particularly, it is general that the contactless card for petty payment (e.g., transportation card) (including a contactless information carrier), of which card information security is not greatly important and which is frequently used or does not contain personal information, is used with being put in a wallet or bag. The user must press the button in each payment, causing new troublesomeness and inconvenient use.

[14] In this case, the manipulation of the card in each payment, regardless of the types of information transmitted in a wireless manner, may suppress the distribution of the contactless card. Disclosure of Invention Technical Problem [15] Therefore, an object of the present invention is to provide a contactless card, which is capable of eliminating the possibility of personal information leakage and simultaneously enhancing user's convenience even though payment information having little or no apprehension of personal information leakage and credit information requiring high-grade security such as a credit card are stored together in a single contactless card. Technical Solution

[16] To achieve these and other advantages and in accordance with the purpose(s) of the present invention as embodied and broadly described herein, a contactless card for transmitting stored data through wireless communication with an external reader in accordance with an aspect of the present invention includes: a first memory chip for storing a first data; a second memory chip for storing a second data different from the first data; a first wireless antenna directly connected to the first memory chip; and a second wireless antenna connected to the second memory chip through a switch.

[17] The first wireless antenna is always connected to the first memory chip to transfer the first data through mutual communication with an external wireless reader. The second wireless antenna is electrically connected to the second memory chip when the switch is closed, and transmits the second data to the external wireless reader, and the second wireless antenna is electrically disconnected from the second memory chip when the switch is opened, and does not transmit the second data to the outside. The data requiring no security is stored in the first memory chip, and the data requiring the security is stored in the second memory chip, thereby enhancing the security of important personal information and providing the convenient use of the card.

[18] To achieve these and other advantages and in accordance with the purpose(s) of the present invention as embodied and broadly described herein, a contactless card for transmitting stored data through wireless communication with an external reader includes: a first memory chip for storing a first data; a second memory chip for storing a second data different from the first data; a first wireless antenna connected to the first memory chip through a first switch; and a second wireless antenna connected to the second memory chip through a second switch.

[19] The first memory chip, the first switch, and the first wireless antenna are connected in series to form a closed circuit. The second memory chip, the second switch, and the second wireless antenna are connected in series to form a closed circuit. The second switch is closed when the first switch is opened, and the second switch is opened when the first switch is closed.

[20] According to another embodiment of the present invention, the first memory chip and the first wireless antenna are connected in series to form a closed circuit, and the first switch is connected in parallel to the first wireless antenna. The second memory chip, the second switch, and the second wireless antenna are connected in series to form a closed circuit. The first switch and the second switch are simultaneously closed and opened.

[21] This structure provides the above-described security and convenience and exclusively transmits the data stored in the first memory and the data stored in the second memory in a wireless manner, thereby preventing two data from being simultaneously transmitted to one reader. Therefore, the communication crosstalk can be prevented.

[22] To achieve these and other advantages and in accordance with the purpose(s) of the present invention as embodied and broadly described herein, a contactless card for transmitting stored data through wireless communication with an external reader includes: a memory for storing a plurality of data; an operation unit connected to the memory and performing a self -operation; a battery for supplying power to the operation unit; and an antenna connected to the operation unit to transmit and receive wireless signals to/from an external wireless reader. The data are exclusively accessed and transmitted to the external card reader.

[23] The contactless card further includes a control button for transmitting a memory region selection command to the operation unit, and the operation unit checks the protocol in establishing a communication session with the external reader, determines to which one of the first data region and the second data region the external reader requests the data, reads/selects the stored data according to the determination result, and transmits the selected data to the external reader through the antenna.

Advantageous Effects

[24] The contactless card according to the present invention stores the credit card requiring no security such as the transportation card and the credit card requiring the high-grade security such as the credit card and the personal information, and can controls them by allowing the user to turn on/off the switches.

Brief Description of the Drawings

[25] FIG. 1 is a schematic view of a typical contactless card.

[26] FIG. 2 is a schematic view of another typical contactless card.

[27] FIG. 3 is a schematic view of a contactless card according to a first embodiment of the present invention. [28] FIG. 4 is a schematic view of a contactless card according to a second embodiment of the present invention. [29] FIGS. 5 and 6 are schematic views of a switch part of the contactless card according to the second embodiment of the present invention. [30] FIG. 7 is a schematic view of a contactless card according to a third embodiment of the present invention.

[31] FIG. 8 is a schematic view of a contactless card according to a fourth embodiment of the present invention.

[32] FIG. 9 is a schematic view of a contactless card according to a fifth embodiment of the present invention. Best Mode for Carrying Out the Invention

[33] Hereinafter, preferred embodiments will be described in detail with reference to the accompanying drawings. The following description will disclose the invention in a manner sufficiently clear and complete for the invention to be carried out by those skilled in art, and to meet the requirements for patent application and patent registration. It is apparent to those skilled in the art that various modification may be made, and a general principle of this specification can be applied to other embodiments. Therefore, the present invention is not limited to the exemplary embodiments set forth herein, and extends to the maximum range of the principles and features described herein.

[34] For example, the term "card" described throughout the specification including claims may refer to contactless data storages having various shapes, for example, an accessory type, a key holder type, a mobile phone ring, a type of being built in a watch, as well as flat rectangular cards such as credit cards.

[35] [Embodiment 1]

[36] FIG. 3 is a schematic view of a contactless card according to a first embodiment of the present invention.

[37] Referring to FIG. 3, the contactless card according to the first embodiment of the present invention includes a board 310, a first wireless antenna 320a, a second wireless antenna 320b, a first memory chip 330a, a second memory chip 330b, and a switch part 340.

[38] The board 310 functions to fix the first wireless antenna 320a and the second wireless antenna 320b, and may be formed of plastic, which constitutes the card.

[39] The first wireless antenna 320a and the second wireless antenna 320b are connected to the first memory chip 330a and the second memory chip 330b, respectively. The first wireless antenna 320a and the second wireless antenna 320b transmit data stored in the first memory chip 330a and the second memory chip 330b to an external reader.

[40] In this embodiment of the present invention, the first memory chip 330a stores rechargeable petty payment information, such as information related to public transportation charge payment, and the second memory chip 330b stores personal financial information or personal ID information, which require high-grade security. The data are transmitted to the reader through the first wireless antenna 320a and the second wireless antenna 420a, which are respectively connected to the first memory chip 330a and the second memory chip 330b.

[41] The switch part 340 is disposed between the second memory chip 330b and the second wireless antenna 320b to determine whether to transmit data that is stored in the second memory chip 330b and requires a security.

[42] At this point, it is preferable to use a button-type switch.

[43] An insulating material (not shown) may be included in order to prevent electrical interference of the first and second memory chips 330a and 330b and the first and second antennas.

[44] In the first embodiment of the present invention, the first memory chip 330a and the first antenna 320a always electrically contact each other. Thus, when the card approaches an external reader, the information related to the public transportation charge payment stored in the first memory chip 330a is transmitted to the reader without limitation, and a payment processing is executed. That is, the user can conveniently pay petty public transportation charge, with carrying the card in his/her wallet or bag.

[45] On the other hand, the second memory chip 330b storing personal financial information requiring high-grade security is connected to the second antenna 320b through the switch 340. The switch 340 is in an open state unless the user presses the button connected to the switch 340. Therefore, even though a reader is disposed around the card, the valuable personal data are not transmitted to the external reader when the user does not want or does not perceive.

[46] The types of data used in the current embodiment and the following embodiments are not limited to the information related to the transportation charge payment or personal financial information or ID information. It is apparent that the types of data can extend to data with low-grade security and data with high-grade security.

[47] [Embodiment 2]

[48] FIG. 4 is a schematic view of a contactless card according to a second embodiment of the present invention.

[49] As illustrated in FIG. 4, the contactless card according to the second embodiment of the present invention differs from the contactless card according to the first embodiment of the present invention in that a switch is further disposed between the first memory chip and the first antenna. In FIGS. 3 and 4, like reference numerals refer to like elements.

[50] In order to discriminate the two switches in the following description, the switch connected to the first antenna 320a is referred to as a first switch 410, and the switch connected to the second antenna 330a is referred to as a second switch 340.

[51] In the first embodiment of the present invention, communication crosstalk or processing error of the reader may occur because two types of data are simultaneously transmitted when the wireless standards of the first memory chip 330a and the second memory chip 330b (or the first antenna and the second antenna) are identical to each other, or when the external reader supports both the wireless standards of the first memory chip 330a and the second memory chip 330b (or the first antenna and the second antenna), or when the data stored in the second memory chip 330b is transmitted.

[52] To prevent this problem, the contactless card according to the second embodiment of the present invention is designed to exclusively transmit data stored in the first memory chip 330a and the second memory chip 330b. That is, when the data stored in the first memory chip 330a is transmitted, the transmission of the data stored in the second memory chip 330b is interrupted. When the data stored in the second memory chip 330b is transmitted, the transmission of the data stored in the first memory chip 330a is interrupted.

[53] As illustrated in FIG. 4, the first memory chip 330a and the first wireless antenna

320a are serially connected to form a closed circuit. The first switch 410 is connected in parallel to the first wireless antenna. The second memory chip 330b, the second switch 340, and the second wireless antenna 320b are serially connected to form a closed circuit. If the first switch 410 and the second switch 340 are simultaneously opened or closed, the first antenna and the second antenna are operated exclusively.

[54] The first switch 410 and the second switch 340 may be implemented as illustrated in

FIGS. 5 and 6 in order to simultaneously open and close them.

[55] That is, one terminal 441 of the first switch 410 and one terminal 341 of the second switch 340 are contacted with and fixed to each other, with an insulation plate 510 interposed therebetween. The other terminal 412 of the first switch 410 is spaced apart from one terminal 441 thereof, and the other terminal 342 of the second switch 340 is spaced apart from one terminal 341 thereof.

[56] In a normal state, the terminals 411 and 412 of the first switch 410 and the terminals

341 and 342 of the second switch 340 are spaced apart by a variable support structure (not shown). When the user applies a pressure to a predetermined position of the card, the terminals 411 and 412 of the first switch 410 contact each other and simultaneously the terminals 341 and 342 of the second switch 340 contact each other. When the pressure is released, the terminals 411 and 412 of the first switch 411 and the terminals 341 and 342 of the second switch 340 are again spaced apart by elasticity of the variable support structure.

[57] The terminals of the first and second switches may be implemented as illustrated in

FIG. 6. That is, a donut-shaped insulation plate 511 is disposed on the terminal 411 of the switch, and the terminal 412 of the switch is disposed on the insulation plate 511. The terminal 412 of the switch uses a dome-shaped ticker plate. Therefore, in the normal state, the terminals 411 and 412 of the switch are spaced apart to open the switch. When the pressure is applied, the center of the terminal 412 of the switch is depressed to contact the terminal 411 of the switch. Thus, the switch is closed.

[58] In such a contactless card, since both the first and second switches are opened in the normal state, the data stored in the first memory chip 330a can be transmitted to the external reader through the first antenna 320a. However, since the second memory chip 330b does not form the closed circuit with the second antenna 320b, the data stored in the second memory chip 330b is not transmitted even though the second memory chip 330b approaches the external reader.

[59] Meanwhile, when the pressure is applied to the card and the terminals of the first and second switches contact each other so that the first and second switches are closed, the first antenna 320a itself forms a closed circuit because the first switch 410 is connected in parallel to the first antenna 320a. Therefore, electrical connection to the first memory chip 330a is interrupted. On the contrary, the second switch 340 is connected in series to the second memory chip 330b and the second antenna 320b. Thus, when the second switch 340 is closed, the second memory chip 330b and the second antenna 320b form a closed circuit, so that the data stored in the second memory chip is transmitted to the external reader through the second antenna.

[60] [Embodiment 3]

[61] A third embodiment of the present invention is illustrated in FIG. 7. This embodiment is identical to the second embodiment in that the first antenna 320a and the second antenna 330b are operated exclusively, but there is a difference in a circuit configuration as illustrated in FIG. 7.

[62] That is, the first switch 410 is not connected in parallel to the first antenna 320a, but the first switch 410, the first antenna 320a, and the first memory chip 330a are connected in series.

[63] In this case, the same effect as the second embodiment can be obtained by performing the opening/closing operations of the first switch 410 and the second switch 340 in an opposite manner. That is, in the normal state, the first switch 410 is closed and the second switch 340 is opened, so that the data stored in the first memory chip 330a is transmitted to the external reader. On the contrary, when the pressure is applied to the card, the first switch 410 is opened and the second switch 340 is closed, so that the data stored in the second memory chip 330b is transmitted to the external reader.

[64] Since the exclusively operating switch structure is well known in various forms in the art to which the invention pertains, its detailed description will be omitted.

[65] [Embodiment 4] [66] A fourth embodiment of the present invention is illustrated in FIG. 8.

[67] This embodiment includes an operation unit to achieve the object of the present invention in a contactless smart card that can perform a self-operation. [68] As illustrated, the contactless card according to the fourth embodiment of the present invention further includes an operation unit 710, which is connected to the second memory chip 330b, and a battery 720 for supplying power to the operation unit 710, as well as the structure of the first embodiment. The second antenna 320b is connected to the operation unit 710. [69] In addition, a switch 730 is disposed between the battery 720 and the operation unit

710 and controls the operation unit 610. [70] The second memory chip 330b may be implemented with a chip separately from the operation unit 710, or may be integrated into a single chip with the operation unit 710. [71] In such a structure, since the first memory 330a is electrically connected to the first antenna 320a, data stored in the first memory 330a can always be transmitted to the external reader. [72] When the switch 730 is closed by the user's manipulation, the operation unit 710 is operated to read the data stored in the second memory 330b and transfer the read data to the external reader through the second antenna 320b. [73] In this way, the same effect as the first embodiment of the present invention can be obtained. [74] Meanwhile, as a modification of this embodiment, a switch (not shown) is further provided between the first memory 330a and the first antenna 320a. If the simultaneous transmission of the data stored in the first and second memories to the external reader is prevented by manipulating the switch under control of the operation unit 710, the same effect as the second and third embodiments of the present invention can be obtained.

[75] [Embodiment 5]

[76] As illustrated in FIG. 9, a contactless card according to a fifth embodiment of the present invention includes an operation unit 810, a battery 820, an antenna 830, and a memory storing a first data region 840a and a second data region 840b. [77] The operation unit 810 checks a request of an external reader according to a predefined protocol and transmits/receives data stored in the card. [78] The battery 820 supplies power to the operation unit 810. In case where the power is supplied by a wireless signal of the reader, the battery 820 is not included in the contactless card. [79] As described above, the memory may be implemented with two separate memory chips that respectively store the first data region and the second data region, or may be implemented with a single memory chip with divided data regions, or may be integrated into a single chip with the operation unit 810.

[80] The antenna 830 is connected to the operation unit 810 to transmit and receive data to/from the external reader.

[81] The above structure may further include a control button connected to the switch to transfer a memory region selection command to the operation unit.

[82] Unlike the operation unit 710 of the fourth embodiment, the operation unit 810 of the fifth embodiment checks the protocol in establishing a communication session with the external reader, and determines to which one of the first data region 840a and the second data region 840b the external reader requests the data. The operation unit 810 reads the data stored in one of the first and second data regions 840a and 840b according to the determination result, and transmits the read data to the external reader through the antenna.

[83] In this embodiment, the data stored in the first data region can be defined as one or more data related to a rechargeable petty payment, which do not contain the personal financial information. The data stored in the second data region can be defined as one or more data related to the financial payment, which contain the personal financial information. That is, in this embodiment, not one data but more than one data are stored in the respective data regions, and the operation unit 810 selects the data and transmits the selected data to the external reader.

[84] The first and second data regions are merely exemplary. The data regions are not limited to the two regions, but can extend over a plurality of regions. The data regions are divided not physically but logically. One data may construct one data region, or a plurality of data may construct one region.

[85] In this embodiment, the operation unit 810 determines which data is requested by the reader through the communication with the reader without user's separate manipulation, and automatically transfers the necessary data. In this way, only two types of data (for example, transportation payment information, personal credit information) are not transmitted, but various types of data (rechargeable transportation charge payment information, personal credit card information, personal membership card information, stock account information, bank finance information, USIM based communication information, etc.,) can be stored and data suitable for the request of the external reader can be transmitted.

[86] In this case, in order to prevent the important personal information from leaking out without the user's perception, the operation unit 810 interrupts the data access from the outside by closing the first and second data regions (that is, all data regions stored in the memory) when the data stored in the first and second data regions are simultaneously requested from the external reader.

[87] That is, a typical example of malicious data leakage is that when non-security petty payment such as a transportation card is used, a reader for financial payment is hidden near a reader for transportation charge payment. In this case, the operation unit 810 will receive the request of more than two data simultaneously or within a short time (for example, 3 seconds). This case is considered as card information robbery and interrupts the transmission of the data stored in the card, thereby preventing the leakage of the important information.

[88] When more than two data are requested from the external reader, both of the two data are interrupted, or the data requested earlier is transmitted while the data requested later is interrupted.

[89] In a modified embodiment, when information requiring security and information requiring no security are simultaneously requested from the external reader, the operation unit 810 may operate to transmit only the information requiring no security (for example, transportation charge payment information) and interrupt the information requiring the security.

[90] While the present invention has been described with respect to the preferred embodiments, it will be apparent to those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention. For example, the card described above may include contactless data storages having various shapes, for example, an accessory type, a key holder type, a mobile phone ring, a type of being built in a watch, as well as flat rectangular cards such as credit cards. Furthermore, the types of data used in the present invention are not limited to the information related to the transportation charge payment or the personal financial information or ID information. It is apparent that the types of data can extend to data with low-grade security and data with high-grade security. Therefore, the scope of the protection of the present invention should be defined by the following claims.

[91]

Industrial Applicability

[92] As described above, the possibility of the leakage of the personal information can be eliminated even though the credit information requiring high-grade security is stored in the contactless card, thereby contributing to the vigorous development of the contactless cards.

[93]

Claims

[1] A contactless card for transmitting stored data through wireless communication with an external reader, the contactless card comprising: a first memory chip for storing a first data; a second memory chip for storing a second data different from the first data; a first wireless antenna directly connected to the first memory chip; and a second wireless antenna connected to the second memory chip through a switch, wherein the first wireless antenna is always connected to the first memory chip to transfer the first data through mutual communication with an external wireless reader.

[2] The contactless card of claim 1, wherein the second wireless antenna is electrically connected to the second memory chip when the switch is closed, and transmits the second data to the external wireless reader, and the second wireless antenna is electrically disconnected from the second memory chip when the switch is opened, and does not transmit the second data to the outside.

[3] A contactless card for transmitting stored data through wireless communication with an external reader, the contactless card comprising: a first memory chip for storing a first data; a second memory chip for storing a second data different from the first data; a first wireless antenna connected to the first memory chip through a first switch; and a second wireless antenna connected to the second memory chip through a second switch, wherein the first memory chip, the first switch, and the first wireless antenna are connected in series to form a closed circuit; the second memory chip, the second switch, and the second wireless antenna are connected in series to form a closed circuit; the second switch is closed when the first switch is opened; and the second switch is opened when the first switch is closed.

[4] A contactless card for transmitting stored data through wireless communication with an external reader, the contactless card comprising: a first memory chip for storing a first data; a second memory chip for storing a second data different from the first data; a first wireless antenna directly connected to the first memory chip; and a second wireless antenna connected to the second memory chip through a switch, wherein the first memory chip and the first wireless antenna are connected in series to form a closed circuit, and the first switch is connected in parallel to the first wireless antenna; the second memory chip, the second switch, and the second wireless antenna are connected in series to form a closed circuit; and the first switch and the second switch are simultaneously closed and opened.

[5] The contactless card of claim 4, wherein a first terminal of the first switch contacts a first terminal of the second switch, with an insulation plate interposed therebetween, and a second terminal of the first switch and a second terminal of the second switch are spaced apart from the first terminals of the first switch and the second switch by a predetermined distance; and when pressure is applied to the second terminals of the first switch and the second switch, the first and second terminals of the first switch electrically contact each other, and simultaneously the first and second terminals of the second switch electrically contact each other.

[6] A contactless card for transmitting stored data through wireless communication with an external reader, the contactless card comprising: a memory for storing at least two or more data; an operation unit connected to the memory and performing a self -operation; an antenna connected to the operation unit to transmit and receive wireless signals to/from an external wireless reader; and a control button for transmitting a memory region selection command to the operation unit, wherein the two or more data are exclusively transmitted to the external reader.

[7] The contactless card of claim 6, wherein the memory is divided into two or more data regions; and the operation unit checks the protocol in establishing a communication session with the external reader, determines to which one of the first data region and the second data region the external reader requests the data, reads the data stored in one of the first and second data regions according to the determination result, and transmits the read data to the external reader through the antenna.

[8] The contactless card of claim 7, wherein the operation unit interrupts access from the outside by interrupting the transmission of the data stored in the memory when the data stored in the two or more data regions are simultaneously requested by the external reader.

[9] The contactless card of claim 7, wherein the operation unit transmits only data requested earlier to the outside and interrupts the data requested later when the data stored in the two or more data regions are requested from the external reader within a short time. [10] The contactless card of any one of claims 6 through 9, wherein the two or more data regions comprise a data region requiring no security and a data region requiring a security. [11] A contactless card for transmitting stored data through wireless communication with an external reader, the contactless card comprising: a first memory chip for storing a first data; a second memory part for storing a second data different from the first data; an operation unit connected to the second memory part; a first wireless antenna connected to the first memory chip; a second wireless antenna connected to the operation unit; a battery connected to the operation unit through a first switch; and a second switch separately disposed between the first memory chip and the first wireless antenna, wherein the first switch and the second switch are exclusively opened or closed. [12] The contactless card of any one of claims 1 through 9 and 11, wherein the data comprises financial information, identification information, payment information, membership information, and communication-related information.