WO2017126917A1 - Multicarte à puce - Google Patents
Multicarte à puce Download PDFInfo
- Publication number
- WO2017126917A1 WO2017126917A1 PCT/KR2017/000684 KR2017000684W WO2017126917A1 WO 2017126917 A1 WO2017126917 A1 WO 2017126917A1 KR 2017000684 W KR2017000684 W KR 2017000684W WO 2017126917 A1 WO2017126917 A1 WO 2017126917A1
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- WO
- WIPO (PCT)
- Prior art keywords
- card
- magnetic field
- unit
- magnetic
- header
- Prior art date
- Legal status (The legal status 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 status listed.)
- Ceased
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Classifications
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
Definitions
- the present invention relates to a smart multi-card, and more particularly, to a smart multi-card that outputs the card data only when the user performs an operation for payment or accumulation using the smart multi-card.
- a card that can be used by integrating various cards such as a debit card, a check card, a credit card, and a membership card.
- Existing cards store card information specific to a magnetic stripe (ie, a magnetic stripe) or an IC chip, so that card data could be transferred to the card reader by inserting or swiping the card into the card reader.
- the smart multi card including a plurality of card data is selected and output to the outside when a specific card data is selected at the time of payment or accumulation, so that the user can easily pay or accumulate with the smart multi card and save the power of the smart multi card. It is necessary to output the card data appropriately at the time of inserting or swiping into the card reader.
- the smart multi-card when outputting a time-division (or time-series) magnetic signal to the magnetic card reader, the smart multi-card outputs the card data in chronological order so that the magnetic signal corresponding to the card data can be properly transmitted to the header of the card reader. If the output of the magnetic signal is started in the missing position there is a problem that the card reader can not properly recognize the card data.
- the card data outputting the card data at an appropriate time when the user performs a payment operation (for example, inserting in the card reader, swiping in the card reader, or contacting the card reader through a contactless payment method).
- a payment operation for example, inserting in the card reader, swiping in the card reader, or contacting the card reader through a contactless payment method.
- the header of the card reader enters the magnetic field generating region and starts outputting the magnetic signal when the magnetic signal can be transmitted to the header.
- An object of the present invention is to provide a smart multi-card that allows the entire card data divided in time series to be transmitted as a header.
- the magnetic field generating unit for outputting a magnetic signal corresponding to the card data; Insertion detection unit for detecting the proximity of the header of the card reader; And a control unit for detecting the departure within a specific range after the header detects an entry within a specific range from the insertion detecting unit, and provides a specific card data to a magnetic field generating unit to request the magnetic signal output upon detecting the departure. do.
- the insertion detecting unit may include a circuit in which a sensing coil and a capacitor are connected in parallel, and apply a voltage to the controller to reduce the intensity at a specific rate while the direction thereof is constantly changed.
- a sensing coil and a capacitor are connected in parallel, and apply a voltage to the controller to reduce the intensity at a specific rate while the direction thereof is constantly changed.
- an inductor including, it may be to output a magnetic field whose direction is changed to the outside.
- the insertion detection unit may generate an eddy current by a magnetic field generated by the detection coil in a header of an approaching card reader.
- the controller may measure the number of peaks equal to or greater than a specific value in the voltage after passing through the sensing coil, and the specific range may be a range in which the number of peaks per unit time is less than or equal to the reference number.
- the magnetic field generating unit may be disposed on one surface of the plate along a long direction of the plate and include at least one track for generating the magnetic signal, and the sensing coil may have a specific position adjacent to the magnetic field generating unit on the plate. Characterized in that, the plate may be to mount one or more components of the smart multi-card.
- the sensing coil may be formed to have a length including the one or more tracks, disposed close to the magnetic field generating unit, and the conductive wire may be wound in the length direction.
- the magnetic field generating unit may include one or more tracks, and the control unit may detect a deviation within the specific range of the header, and then apply driving currents to which the current direction is adjusted in time series to each track. It may be characterized by requesting time series magnetic signal generation.
- the control unit may set an output time length of the time series magnetic signal.
- the magnetic field generating unit may include a first insertion detecting unit and a second insertion detecting unit at both ends, and the controller may detect the entry into the magnetic field generating unit by the first insertion detecting unit and then the second insertion detecting unit. By measuring the time until the magnetic field generating area deviation is detected by.
- the apparatus may further include an information output unit configured to provide a notification to the user, and the controller may request generation of a sweep re-execution notification to the information output unit when the measured time is shorter than a set output time length.
- the magnetic field generation unit may output a magnetic signal corresponding to the card data from the time when the header of the card reader enters, so that the initial portion of the card data is not transferred to the header, thereby preventing the card reader recognition rate from falling.
- the magnetic signal can be started at the same position regardless of the speed at which the user scratches the smart multi card.
- the magnetic field strength of the magnetic cell is strong at both ends of the magnetic cell, but the strength of the magnetic field becomes weaker as it gets closer to the center of the magnetic cell. Therefore, as soon as the magnetic field generating unit enters the magnetic field generating unit, the magnetic signal may be transferred to the header of the card reader in the region having strong magnetic field strength.
- the magnetic signal of the magnetic field generating unit is precisely generated at the point of entering the magnetic field generating unit. I can regulate it.
- 1 is an internal configuration of a smart multi-card according to an embodiment of the present invention.
- FIG. 2 is a front configuration diagram of a smart multi-card according to an embodiment of the present invention.
- FIG. 3 is a rear configuration diagram of the smart multi-card according to an embodiment of the present invention.
- FIG. 4 is an exemplary diagram of a smart multi card including a plurality of tracks and a plurality of insertion detecting units according to an embodiment of the present invention.
- FIG. 5 is a side view of a smart multi-card including a magnetic cell wound in a horizontal direction according to an embodiment of the present invention as a track.
- FIG. 6 is a configuration diagram of a first layer and a second layer of a horizontal magnetic cell according to an embodiment of the present invention.
- FIG. 7 is an exemplary view illustrating a magnetic cell in which a first layer, a second layer, and a core material are combined according to an embodiment of the present invention.
- FIG 8 is an exemplary diagram in which a vertical magnetic cell is disposed according to an embodiment of the present invention.
- FIG 9 is an exemplary view of a sheet printed with a coil pattern on one side according to an embodiment of the present invention.
- FIG. 10 is a side view illustrating a vertical magnetic cell in which a via hole is disposed such that a current flows in a specific rotational direction in a sheet according to an embodiment of the present invention.
- FIG. 11 is an exemplary view of a vertical magnetic cell formed of a plurality of sheets and cores according to an embodiment of the present invention.
- FIG. 12 is an exemplary view illustrating that an eddy current is generated in a header when the header is approached to the insertion detecting unit according to an embodiment of the present invention.
- FIG. 13 is an exemplary view illustrating a change in position of a header and magnetic field strength of a magnetic cell in a horizontal direction when swiping of a smart multi card according to an embodiment of the present invention.
- FIG. 14 (a) is a voltage graph applied to a control unit when the header is located away from the insertion detecting unit according to an embodiment of the present invention.
- 14 (b) is a voltage graph applied to a control unit when the header is located close to the insertion detecting unit according to an embodiment of the present invention.
- 15 is a circuit diagram of an insertion sensing unit according to an embodiment of the present invention.
- the smart multi-card 100 is one or more card information in one card (that is, device), unlike the existing card that contains only one card information in the IC (Integrated Circuit) chip or magnetic strip in one card Corresponds to the card may include.
- the smart multi-card 100 is a card that can be loaded one or more of the stored one or more card information to perform payment or point accumulation.
- 1 is an internal configuration of a smart multi-card according to an embodiment of the present invention.
- 2 is a front configuration diagram of a smart multi-card according to an embodiment of the present invention.
- 3 is a rear configuration diagram of the smart multi-card according to an embodiment of the present invention.
- the smart multi-card according to an embodiment of the present invention, the plate 110; Card data output unit 120; Insertion detecting unit 130; And all or a part of the controller 140.
- the plate 110 may be formed in a square plate shape, and the corner portion of the square plate shape may be rounded.
- the plate 110 may include (or mount) a configuration of the smart multi card 100 such as the card data output unit 120 and the controller 140.
- Plate 110 may be made of a plastic or metal plate of a resilient material, such as a general card, it may be configured by stacking a number of layers.
- the plate 110 may be formed by molding a substrate on which the configuration of the smart multi-card 100 is disposed with a material of a specific material.
- the plate 110 may include a card data output unit 120 to be described later.
- the card data output unit 120 is an integrated circuit chip (162)
- the card data output unit 120 may be disposed to be exposed to the outside on one side of the front surface.
- the card data output unit 120 includes a magnetic field generating unit 121 for generating a magnetic signal (that is, a magnetic signal)
- the plate 110 is formed in a rectangular shape. It may be arranged to be exposed to the outside on one side of the rear surface adjacent to one of the two long sides of the).
- the plate Built in the 110 may transmit a wireless communication signal corresponding to the card information to the outside.
- the plate 110 may include an insertion detecting unit 130 on one side.
- the plate 110 is exposed to the outside of the insertion detection unit 130 to be described later in the direction (for example, the card reader insertion direction of the plate 110) continuous with one end of the magnetic field generating unit 121. It may be provided to be. Through this, when the user makes a payment to the magnetic card reader using the smart multi-card, power consumption can be reduced by generating a magnetic signal only when the payment is detected by detecting the start of swiping.
- the plate 110 may include an insertion detecting unit 130 in a lower region adjacent to the long side of the magnetic field generating unit 121. That is, as will be described later, when the magnetic field generating unit 121 generates a time series magnetic signal (ie, time division data), the payment may be performed by simply inserting the smart multi-card into the card reader without performing swiping. As such, the plate may detect the insertion by mounting the insertion detecting unit 130 under the magnetic field generating unit 121.
- a control unit 140 an electric wiring (not shown), a memory (not shown), a power supply unit (not shown), etc., which are not configured, may be built in.
- the electrical wiring when the plate 110 is composed of several layers, may be composed of a plurality of sheets between the layers of each plate 110, each of the layers of the plate 110 vias corresponding to the wiring passage ( Via Via).
- an information output unit ie, a display unit
- a user input unit 160 to be described later may be provided at one side of the front surface of the plate 110 to be exposed to the outside.
- the card data output unit 120 performs a function of transmitting card information to perform payment or accumulation.
- the card data output unit 120 may correspond to various components that can transmit card information to an external card reader.
- the card data output unit 120 may include a magnetic field generator 121, an IC chip 122, and the like.
- some modules for example, NFC communication module, BLE communication module, etc.
- the wireless communication unit 170 to be described later may perform the function of the card data output unit 120 by transmitting the card data to the payment terminal. .
- the magnetic field generator 121 outputs card data in the form of a magnetic signal and transmits the card data to the card reader.
- the magnetic field generating unit 121 may include one or more magnetic cells 200 that form a magnetic field through current flow and output card information magnetic signals.
- the magnetic cell 200 may be configured in various forms.
- the magnetic cell 200 as shown in Figure 5, is formed in the form of a coil wound around the long side of the plate (hereinafter referred to as a horizontal magnetic cell 210), N pole and S on both sides The pole is formed, and the position of the N pole and the S pole is changed according to the direction of the driving current, thereby generating a change in the magnetic field direction.
- a single magnetic cell 210 may constitute a magnetic field generating unit 121 (or a track to be described later), and the plurality of magnetic cells 210 may include a magnetic field generating unit 121. ) (Or a track to be described later).
- the magnetic field generating unit 121 may receive a driving current whose current direction changes with time from the controller 140 to output a time-series magnetic signal corresponding to the card data. .
- driving currents of the same direction are simultaneously applied to the plurality of magnetic cells to generate a change in the magnetic field direction to the magnetic field generating unit 121 (or track), and the current is changed over time.
- the drive current of which direction is changed may be applied to output a time-series magnetic signal corresponding to the card data.
- the magnetic cells 210 as many as the number of bits of the card data is included, by adjusting the direction of the drive current applied to each magnetic cell can form a magnetic field arrangement, such as the magnetic strip of the existing magnetic card.
- the magnetic cell 210 may include a first layer 211; Second layer 212; And a core material 213.
- the first layer 211 may include a first circuit pattern on one side.
- the first circuit pattern may be directly printed on one side of the first layer 211, and the circuit pattern may be provided in the first layer.
- the first layer 211 may have parallel circuit patterns arranged in a predetermined direction.
- the second layer 212 may include a second circuit pattern on one side.
- the second circuit pattern may be directly printed on one side of the second layer 212, and a circuit pattern may be provided in the second layer 212.
- the second layer 212 may also include a circuit pattern arranged in parallel in a predetermined direction.
- each wire in the first circuit pattern and the second circuit pattern is sequentially connected so that a current can be continuously wound in a specific direction. Can be.
- FIG. 5 after the current enters through the first circuit pattern of the first layer 211, the second layer 212 through the point 214 where the first circuit pattern and the second circuit pattern meet. The current may flow in the second circuit pattern of. Thereafter, the current flows back to the first circuit pattern at the point 215 where the current flows through the second circuit pattern and meets the first layer. By repetition of the current flow, the current may be wound around the core material disposed between the first layer 211 and the second layer 212.
- first layer 211 and the second layer 212 may further include via holes (first via holes and second via holes).
- the via hole is the first layer 211 of the first layer 211 when the first circuit pattern and the second circuit pattern is provided on the surface corresponding to the outer surface when the first layer 211 and the second layer 212 is coupled
- a function of connecting the circuit pattern and the second pattern of the second layer 212 may be performed. That is, when the first circuit pattern and the second circuit pattern are not directly connected by the thickness of the first layer 211 or the second layer 212, they may be connected by the first via hole and the second via hole.
- the first via hole and the second via hole may be disposed and connected to the same position 214 when the first layer 211 and the second layer 212 are combined. Accordingly, the first via hole and the second via hole are directly matched, so that the current flows in a specific direction about the core material through the circuit pattern and the via hole.
- the core material 213 may be provided in a space between the first layer 211 and the second layer 212 to enhance a magnetic field. That is, the core material 230 may be formed of a magnetic material to enhance a magnetic field formed by a current flowing continuously in the first circuit pattern and the second circuit pattern. In particular, the core material 213 may be mixed with magnetic powder and an adhesive to provide adhesion. That is, the magnetic cell 200 may be formed by attaching, injecting, or inserting a core material in which an adhesive is mixed with magnetic powder between the first layer 211 and the second layer 212.
- the core material may vary in viscosity depending on the type of adhesive mixed with the ferromagnetic material or the mixing ratio of the ferromagnetic material and the adhesive.
- the core material 213 generated by mixing a low viscosity adhesive and a magnetic powder may be used.
- the core material 213 is mixed with a highly viscous adhesive and magnetic powder to have an adhesive force on both sides, such as a sticker
- the magnetic cell 200 is the first layer 211 or the second layer ( It may be formed by attaching the core material 213 to one surface of the 212 and combining the opposite layers.
- the adhesive may include all of various adhesives (eg, resin, etc.) that do not affect magnetic field generation.
- the magnetic powder may include iron, ferrite, nickel, cobalt, manganese, aluminum, platinum, silver, copper, zinc, lead, and the like.
- the magnetic powder may be made of an alloy containing the magnetic material (ie, iron, ferrite, nickel, cobalt, manganese, aluminum, platinum, silver, copper, zinc, lead).
- the structure of the horizontal magnetic cell 210 is not limited thereto, and may be formed in various structures.
- the horizontal magnetic cell 210 may include a first layer including a coil pattern; Second layer; And a third layer including a core material and disposed between the first layer and the second layer and including a via hole connecting the coil patterns of the first layer and the second layer.
- the vertical magnetic cell 220 is standing up so as to expose only a specific polarity to one side of the plate 100 when the magnetic field is generated, as shown in FIG. That is, the vertical magnetic cell 220 may be disposed on one side of the specific plate so that only a specific polarity according to the current direction is exposed in the magnetic signal output direction.
- the vertical magnetic cell 220 may be formed by stacking a plurality of sheets 221 including the coil pattern 222.
- the stacked sheets 221 that are in contact with each other include a coil pattern 222 wound up from one surface (for example, a bottom) to the other (for example, an upper surface), and the coil patterns 222 are exposed to two surfaces. Can be. An exposed portion of the coil pattern 222 in the contacted sheet 221 may be contacted to form a coil wound in a specific direction.
- the coil pattern 222 may generate a pattern that is wound more than once in one sheet 221, or may be generated by winding several sheets 221 connected to each other.
- the magnetic cell 200, the plurality of sheets 221, the coil pattern 222 is printed on one side is stacked, the coil pattern of the adjacent sheet 221 so that the current flows continuously in a specific rotation direction ( It may include a via hole connecting the 222.
- the coil pattern 222 may be printed on one side of the sheet 221, and the plurality of sheets 221 may be stacked.
- Via holes may be provided in each sheet 221 to connect the coil patterns 222 of the stacked sheets 221. Via holes may be disposed in each sheet 221 such that current flows in a sheet 221 in a predetermined direction (that is, in a specific rotational direction), as shown in FIG. 10.
- the coil pattern 222 when the coil pattern 222 is printed in a spiral form on the upper surface of each sheet 221, when a current flows in from the outside of the spiral shape, the adjacent sheet on the inner end of the spiral shape (up or down) A via hole connected to the 221 may be disposed.
- the sheet 221 wound around the coil pattern 222 may be stacked to allow current to flow in the entire direction of the magnetic cell 220. That is, when the coil pattern 222 is wound a plurality of times in one sheet 221, the coil pattern 222 of the adjacent sheet 221 should be in the opposite direction so that the current flows in a constant direction when each layer is connected to the via hole. Can flow.
- the magnetic cell 220 as shown in Figure 11, a plurality of sheets 221; And a core 223.
- the plurality of sheets 221 may have grooves having a specific shape.
- the plurality of sheets 221 may be stacked to form a space in which the core 220 may be disposed.
- the sheet 221 may include a coil pattern 222 wound around a groove in which the core 223 is to be disposed.
- the coil pattern 222 may be printed on one surface of each sheet 221 or may be formed inside the sheet 221.
- the coil pattern 222 may be configured in a spiral shape to be wound, and various forms may be applied to allow a current to flow around a groove in which the core 223 is disposed.
- the magnetic cell 200 in which the sheets 221 are stacked may include via holes connecting the coil patterns 222 of the adjacent sheets 221 so that current flows continuously in a specific rotation direction.
- the coil pattern 222 when the coil pattern 222 is printed in a spiral form on the upper surface of each sheet 221, when a current flows in from the outside of the spiral shape, the adjacent sheet on the inner end of the spiral shape (up or down) A via hole connected to the 221 may be disposed.
- the sheet 221 wound around the coil pattern 222 may be stacked to allow current to flow in the entire direction of the magnetic cell 200. That is, when the coil pattern 222 is wound a plurality of times in one sheet 221, the coil pattern 222 of the adjacent sheet 221 should be in the opposite direction so that the current flows in a constant direction when each layer is connected to the via hole. Can flow.
- the core 220 is disposed in the groove provided in the sheet 221 and may be made of a magnetic material. That is, the core 220 may perform a function of collecting a magnetic field generated by a current flowing through the coil pattern 222 of the sheet 221.
- the core 220 may be formed by injecting or inserting a core material mixed with a magnetic material and an adhesive into the groove after the stacking of the plurality of sheets 221.
- the core material may vary in viscosity depending on the type of adhesive mixed with the magnetic body or the mixing ratio of the magnetic body and the adhesive. Accordingly, the core material may be formed and inserted to correspond to the groove shape, and the core material may be injected into the groove shape with low viscosity.
- the adhesive may include all of various adhesives (eg, resin, etc.) that do not affect magnetic field generation.
- the magnetic material may be a ferromagnetic substance.
- the ferromagnetic material corresponds to a magnetic material having strong magnetic properties because the magnetic moments of atoms are aligned. That is, a ferromagnetic material may correspond to a material in which magnetization remains even when the external magnetic field disappears after being strongly magnetized in the direction of the magnetic field when a strong magnetic field is applied from the outside.
- a ferromagnetic material is used as the magnetic material, a dense magnetic field may be output in the magnetic signal output direction by the magnetization of the ferromagnetic material.
- the sheet 221 forming the magnetic cell 200 may be formed of a magnetic material having a high permeability.
- Magnetic materials having high magnetic permeability are more likely to pass magnetic fields than air or other metals. As a result, most of the magnetism (ie, the magnetic field lines) passes inside the magnetic material with high permeability. Therefore, the magnetic field generated by the current flowing in the coil pattern 222 in the magnetic material having a high permeability does not escape to the outside and passes only the sheet 221 (ie, the magnetic cell 200). Accordingly, the generated magnetic field of the magnetic cell 200 may be prevented from interfering with the magnetic field of the adjacent track, and the magnetic field may be prevented from being dispersed to provide a strong magnetic signal with low power.
- the magnetic material having a high permeability may be a permalloy, a silicon steel sheet, an amorphous strip, a ferrite such as manganese-zinc system, or the like.
- the sheet 221 may not be formed of a magnetic material having a high permeability, but may be formed of a general polyamide or the like.
- the vertical magnetic cell 220 may further include a shielding film surrounding the magnetic cell side to prevent magnetic field interference on adjacent magnetic cells. Since the magnetic signals generated by the magnetic cells 200 in the same track may be formed in the same way, the shielding film may perform a function of preventing interference between tracks.
- the shielding film may be formed of a magnetic material having a high permeability. That is, the shielding film may play a role such that the magnetic field generated by the current flow in the magnetic cell 200 does not escape to the side but only upwards in the magnetic signal output direction. Therefore, the shielding film prevents magnetic field from escaping to the side, thereby preventing magnetic field interference with adjacent tracks.
- the magnetic field interference prevention effect is large.
- the coil pattern 222 is included in a general polyamide sheet, the magnetic field generated by the current flow may not be concentrated in the direction of the magnetic signal output, so that the magnetic cell formed of the polyamide sheet may be dispersed.
- a shielding film may be formed around the side part to prevent magnetic signal from being dispersed.
- the magnetic field generating unit 121 may include at least one track, as shown in FIG. 4. Each track may include a magnetic cell to generate a magnetic signal to be provided to the header 300 of the card reader. One or more tracks may be arranged in parallel in the magnetic field generating unit 121, and each track may output a different time series magnetic signal, or may output the same time series magnetic signal for amplifying the magnetic signal.
- the IC chip 122 may perform data exchange with the contact card reader. That is, the IC chip 122 is exposed to the outside of the plate 110, the connector portion that can be in physical contact with the card reader, the contact when the smart multi-card 100 is inserted into the contact card reader Direct data exchange can be performed by contacting the card contact portion of the card reader.
- the card data output unit 120 may output card data generated by the controller 140.
- the card data may correspond to the card number itself or may be data obtained by encrypting or tokenizing the card number. For example, when generating card data to be output using seed data corresponding to an encryption or tokenization criterion or an algorithm that performs encryption or tokenization, the card data output unit 120 encrypts or encrypts the control unit 140.
- the tokenized card data may be received and output, and the card data transmitted to the card reader may be transmitted to the financial company server and decrypted. Through this, it is possible to increase the security when performing the payment. In particular, when the payment is made using a magnetic card, there is a risk that the card number is easily exposed to others as the magnetic stripe is generated by the card information itself.
- the smart multi-card 100 outputs the token data through the magnetic field generating unit 121, even if someone detects a change in the magnetic field, the card information (that is, the card number, expiration date, CVC, etc.) cannot be confirmed. have.
- the insertion detecting unit 130 may perform a function of transmitting a signal or data for detecting the insertion of the smart multi card in the card reader to the controller 140. That is, the insertion detecting unit 130 may adjust to supply power to the card data output unit only while the card is inserted into the reader in order to reduce power consumption of the smart multi card.
- the insertion detecting unit 130 may be provided on one side of the plate 100 corresponding to the pressure sensor.
- pressure may be applied to the pressure sensor by the head. That is, when the header 300 is in contact with one side of the card reader, the card is inserted between the header 300 and one side of the card reader so that the header 300 presses the card, and the card is inserted into the card reader. It can recognize and supply power to the magnetic cell.
- the insertion detecting unit 130 is a pressure sensor is attached to one side of the smart multi-card (for example, short side adjacent to the IC chip), smart multi
- the insertion detecting unit 130 is a pressure sensor is attached to one side of the smart multi-card (for example, short side adjacent to the IC chip)
- smart multi When the card is inserted into the IC card reader and the side having the pressure sensor contacts one side of the inside of the card reader, it may be determined that the card is inserted.
- the insertion detecting unit 130 may detect whether the header 300 of the card reader is close. That is, the insertion detecting unit 130 is disposed at a specific position adjacent to the magnetic field generating unit 121 on the plate 110, and recognizes whether the header 300 of the card reader passes, and generates the magnetic field of the header 300. It may be determined whether to enter the range or area of the unit 121.
- Insertion sensing unit 130 for detecting the proximity or passing of the header 300 a function to generate a voltage (for example, a voltage across a specific end of the circuit) to the intensity decay with a specific frequency Can be.
- the insertion detecting unit 130 may include a LC parallel circuit to apply a voltage having a specific frequency to the control unit connected to the insertion detecting unit, and to attenuate at a specific ratio.
- the insertion detecting unit 130 includes an LC parallel circuit in which a capacitor C and an inductor L are connected in parallel, but the inductor includes an internal resistance of R0. can do. Accordingly, the LC parallel circuit region is expressed by Equation 1 below.
- [Equation 1] can be arranged in the form of [Equation 2] in the frequency domain (s-domain).
- the trigonometric equation may be expressed as an equation (e.g., an equation form such as A).
- the degree of attenuation may be determined by the ratio of inductance and resistance (ie, internal resistance of the inductor). Therefore, by connecting the control unit between the terminal A and the ground (Ground), the insertion detecting unit 130 may apply to the control unit 140 a voltage value which attenuates exponentially at a specific rate while vibrating at a specific frequency.
- the insertion detecting unit 130 may include a detection coil 131.
- the sensing coil 131 may perform a function of generating a magnetic field to the outside according to the sensing current.
- an inductor in an LC parallel circuit may be a sense coil. That is, the sensing coil 131 may be disposed on the plate such that the inductor in the LC parallel circuit of the insertion detecting unit 130 outputs a magnetic field to the outside.
- the sensing coil 131 may receive a current having a specific frequency by LC resonance to output a magnetic field whose direction changes to the outside, and sense the approach of the header 300 by using the sensing coil 131.
- the insertion detecting unit 130 may generate an eddy current through the magnetic field generated by the sensing coil 131 in the header 300 of the card reader approaching as shown in FIG. 12. Since the header 300 of the card reader is made of metal, an eddy current may be generated inside the header 300 by a magnetic field generated from the insertion detecting unit 130. The eddy current generated inside the header 300 may affect the sensing coil 131. That is, when the magnetic flux generated by the eddy current in the header 300 of the card reader is generated in the sensing coil 131 in the direction opposite to the magnetic flux direction of the sensing coil 131, the induced electromotive force is applied to the sensing coil 131 by the law of Lenz. This will occur.
- the insertion detecting unit 130 increases the magnetic field strength generated by the sensing current (ie, increases the magnetic flux size) in order to reduce the magnetic flux change in the sensing coil 131. As the insertion detecting unit 130 consumes more energy in the sensing coil 131 to increase the magnetic flux size, the magnitude of the voltage applied to the control unit 140 after the sensing coil 131 passes is reduced.
- the controller 140 which will be described later, uses the magnetic field generating unit 121 to pass through the insertion detecting unit 130 based on the voltage applied to the control unit 140 due to the eddy current generated in the header 300. ) Can be seen.
- the insertion detecting unit 130 may be attached at various positions adjacent to the magnetic field generating unit 121.
- the detection coil 131 of the insertion detecting unit 130 may be formed close to the short side of the magnetic field generating unit 121. That is, when the user swipes the smart multi-card, the header 300 is disposed close to the short side of the magnetic field generating unit 121 so as to pass through the insertion detecting unit 130 before entering the magnetic field generating unit 121. can do.
- the sensing coil 131 is formed to have a length including the one or more tracks and is disposed close to the magnetic field generator 121, and is perpendicular to the longitudinal direction (that is, the magnetic field generator 121 or the longitudinal direction of the track). Wires may be wound along one direction). As the number of windings wound on the sensing coil 131 increases, the magnetic field strength generated outside may be stronger, and the width of the header 300 may include only a specific track area, thereby increasing the length of the magnetic field generating unit 121. Need to have. In addition, since it may not affect the magnetic field generating unit 121 to be formed in a narrower region than the magnetic field generating unit 121, a vertically long form may be appropriate. Thus, as shown in FIG. 3 or 4, the sensing coil 131 may be formed of a coil formed long in the longitudinal direction including one or more tracks.
- the insertion detecting unit 130 may exist in a plurality in the smart multi-card.
- the smart multi-card may include a first insertion detection unit 130a and a second insertion detection unit 130b at both ends of the magnetic field generation unit 121.
- the card may be scratched in the reverse direction instead of the card in the forward direction. Therefore, regardless of the type of the card reader, the sensing coil 131 of the insertion detecting unit 130 passes before the magnetic field generating unit 121 enters. It may be disposed so as to be adjacent to both short sides of the magnetic field generating unit 121 so as to.
- the insertion detecting unit 130 may be disposed long in the lower region of the magnetic field generating unit 121. That is, when the smart multi-card outputs a time-varying magnetic signal according to the card data, the magnetic signal may be transmitted to the header 300 as long as the header 300 is located in the magnetic field generating unit 121. 130 is disposed below the magnetic field generating unit 121 may detect whether the header 300 passes when the card is inserted.
- the insertion detecting unit 130 may utilize a pressure sensor and an inductive sensor together. Through this, it is possible to prevent the malfunction of the pressure sensor is applied to the pressure sensor by a different configuration than the header 300 of the card reader, and by an object in which a magnetic field change other than the header 300 of the card reader occurs The magnetic field change is detected in the magnetic cell to prevent the malfunction.
- the controller 140 is provided in the plate 110 to perform an overall control function required for using a multi-card.
- the controller 140 performs a function of transferring card information to a specific card data output unit 120.
- the control unit 140 transmits a driving current corresponding to the specific card data to the magnetic field generating unit 121 to transmit a specific magnetic signal.
- the controller 140 may generate a magnetic signal generated by the magnetic field generator 121 in time series by supplying or supplying a magnetic driving current signal. That is, the magnetic cell can adjust the direction of the magnetic field applied to the head of the card reader through the current control.
- the controller 140 may collectively control the current direction to generate the same polarity in the magnetic signal output direction (the direction of the card reader header 300) in each magnetic cell. have.
- the controller 140 may generate a magnetic field change in the head of the card reader corresponding to each track by adjusting a magnetic driving current input for each track.
- the controller 140 may determine whether the card is inserted into the card reader by receiving a signal from the insertion detecting unit 130. That is, the controller 140 detects a departure after the header 300 enters a specific range from the insertion detecting unit 130, and provides specific card data to the magnetic field generating unit 121 at the time of the detection of the magnetic signal. You can request an output.
- the specific range is an area in which the insertion detecting unit 130 is affected from the header 300 and may refer to a range that may be determined to enter the magnetic field generating unit 121 when the header 300 is separated after entering. .
- the control unit 140 is the insertion detecting unit 130 in which the header 300 of the card reader is disposed adjacent to the magnetic field generating unit 121 It can be determined whether or not passed.
- the insertion detecting unit 130 generates a current that attenuates at a specific ratio (for example, according to the degree of attenuation of) and after the control unit 140 passes the sensing coil 131, the control unit.
- the control unit 140 passes the sensing coil 131, the control unit.
- the controller 140 may count the number of peaks of a predetermined value or more in the measured voltage applied to the controller 140, and the header 300 is close to the base based on whether the number of peaks in the unit time is greater than or equal to the reference number. It can be determined whether or not. Therefore, the specific range may be a range in which the number of peaks that is greater than or equal to the reference voltage value per unit time is less than or equal to the reference number.
- the header 300 When the header 300 is located at the first point, since the header 300 which is a metal is close to each other, there is no influence of the metal. As shown in FIG. 14A, the number of peaks above a specific reference number may be measured. As the header 300 approaches and the header 300 is located at the second point, an eddy current is generated in the header 300 by the magnetic field generated by the insertion detecting unit 130, and the insertion detecting unit 130 is exposed to the eddy current. get affected. That is, the insertion detecting unit 130 consumes more energy in order to maintain the magnetic flux change by the eddy current of the header 300, thereby reducing the voltage applied to the control unit 140. Therefore, as shown in FIG.
- the controller 140 can recognize the approach of the header 300.
- the insertion detecting unit 130 is prevented from the eddy current in the metal.
- the magnitude of the voltage applied to the controller 140 is increased again because the influence of the magnetic field is reduced. Accordingly, the number of peaks in the unit time that is equal to or greater than the reference voltage value also increases. When the distance is greater than or equal to a certain distance, the peak number in the unit time that is greater than or equal to the reference voltage value becomes greater than or equal to the reference number, and the controller 140 may recognize that the header 300 has passed through the insertion detecting unit 130 at this time.
- the header 300 of the card reader passes from the end of the plate, passes through the insertion detecting unit 130, and enters the magnetic field generating unit 121, so that the control unit 140 includes a header ( When 300 is detected as leaving the insertion detecting unit 130, it may be determined that the magnetic field generating unit 121 has entered. Accordingly, the controller 140 may request the magnetic field generator 121 to output a magnetic signal corresponding to the card data.
- the magnetic field generating unit 121 may output a magnetic signal corresponding to the card data from the time when the header 300 of the card reader enters, so that the first part of the card data is not transmitted to the header 300 so that the card reader The recognition rate can be prevented from falling.
- the magnetic signal is generated at the same position regardless of the speed at which the user scratches the smart multi card. There is an effect that can be started.
- the magnetic field strength of the magnetic cell is strong at both ends of the magnetic cell, but the strength of the magnetic field is weaker as it is closer to the center of the magnetic cell. Become. Therefore, as soon as the magnetic field generating unit 121 enters the magnetic field generating unit 121, the magnetic signal may be transmitted to the header 300 of the card reader in the region having strong magnetic field strength.
- the point of entry into the magnetic field generating unit 121 by adjusting the reference voltage value or the reference number of the peak, which is a reference for calculating the peak number, according to the degree of separation of the insertion detecting unit 130 from the magnetic field generating unit 121.
- the reference voltage value or the reference number of the peak which is a reference for calculating the peak number
- the controller 140 may set the output time length of the time-series magnetic signal (that is, the controller 140 may drive the time-series magnetic signal to be output through the magnetic field generator 121 within a specific output time. Can be applied).
- the controller 140 may set the card data to be output as a magnetic signal within a specific time length. For example, the minimum output time length may be calculated based on the expected maximum speed of scratching the card of the user and the long side length of the magnetic field generator 121.
- the long side length of the magnetic field generating unit 121 may be scratched by the user.
- the minimum output time length can be calculated by dividing by the expected maximum speed. As the card data is output within the minimum output time length, when the smart multi-card is scratched at a speed slower than the expected maximum speed, all the card data may be output while the header 300 is located in the magnetic field generating unit 121. Accordingly, the second half of the card data may be prevented from being transmitted to the header 300.
- the smart multi-card includes the first insertion detection unit 130 and the second insertion detection unit 130 adjacent to both short sides of the magnetic field generation unit 121
- the first insertion After the entry of the magnetic field generating unit 121 is detected by the detection unit 130, the time until the departure of the magnetic field generating unit 121 is detected by the second insertion detecting unit 130 may be measured. .
- the measurement time may be used to confirm whether the entire card data has been transferred to the header 300 of the card reader. That is, if the measured time is shorter than the set output time length, it may be determined that the latter part of the card data is not delivered to the header 300 as the card is scratched at a speed faster than the expected maximum speed.
- the controller 140 may request an information output unit, which will be described later, to generate a sweep (or swiping) redo notification.
- the controller 140 may perform a function of generating information or a screen to be displayed on the display unit 151 to be described later. That is, the controller 140 may generate a card UI screen and provide the card UI screen to the display unit 151. When the user can select or set a desired UI screen configuration, the controller 140 may generate a UI screen corresponding to the user's setting and provide it to the display unit 151.
- the controller 140 may receive an input operation from the user input unit 160, which will be described later, determine a corresponding operation, and perform a function of instructing the operation to be performed. Specifically, when the user input unit 160 is a touch screen combined with the display unit 151, the controller 140 determines the position of the input operation received by the touch screen, the type of the input operation or the type of the input operation. In this case, the corresponding control command can be determined. When an input operation is applied to the touch screen, the controller 140 may transfer card data of the card information corresponding to the input operation to a specific card data output unit 120, and transmit card information corresponding to the input operation. A display screen may be generated and transferred to the touch screen.
- the smart multi-card according to an embodiment of the present invention may further include an information output unit.
- the information output unit is a display unit for displaying information on the screen; And it may include an alarm unit for outputting vibration or voice.
- the display unit 151 is provided at one side of the plate 110 and performs a function of visually displaying card related data on a screen and providing the same to a user. That is, the display unit 151 displays a video or image data generated and provided by the controller 140.
- the card-related data may include card identification information such as a card image, a card name, a card company, and may include benefit information such as discount information of the card and interest-free installment information.
- the display unit 151 may include a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, and an electronic paper (E). -paper) may include at least one.
- two or more display units 151 may exist according to the implementation form of the multi-card.
- the display unit 151 may be provided in the front part and the rear part of the multi-card.
- the electronic paper is an electronic device that can feel the feeling of paper as it is and can act as a paper, also called e-paper.
- the electronic paper may be applied to various methods such as a method of making ink effect using a small ball or capsules and a paper effect by making a flat panel display such as a conventional liquid crystal display (LCD) thinner.
- LCD liquid crystal display
- the display unit 151 may be disposed on one side of the front surface of the plate 110.
- the display unit 151 may be disposed in an area which does not overlap the IC chip 122 disposed on one side of the front surface of the plate 110 and the magnetic field generator 121 disposed on one side of the rear surface of the plate 110. Through this, the display unit 151 may be prevented from being damaged when the magnetic field generating unit 121 is swiped in the magnetic card reader or when the multi-card is inserted into the IC card reader.
- the display unit 151 may be disposed at a position on the plate 110 adjacent to the user input unit (for example, the touch unit or the touch pad) so that the user may easily perform a touch operation while watching the display unit 151. have.
- the display unit 151 may be used as an input device in addition to the output device.
- the touch screen may display a user interface (UI) screen of the card and receive an input operation for a position corresponding to the screen from the user.
- the touch screen may receive various input operations such as a touch operation, a slide operation, a swiping operation, a knock operation, and the like from a user.
- the smart multi-card may further include a user input unit.
- the user input unit 160 performs a function of receiving input data for controlling the operation of the smart multi-card 100 from the user.
- the user input unit 160 may include a key pad, a dome switch, a touch pad (constant voltage / capacitance), a jog wheel, a jog switch, and the like.
- the touch pad forms a mutual layer structure with the display unit 151 to be described later, this may be referred to as a touch screen.
- the smart multi-card may further include a storage.
- the storage unit 150 stores a plurality of card information and card data.
- the storage unit 150 may classify and store cards in order to allow a user to quickly and easily select a card.
- the smart multi card 100 may classify and store cards according to card types such as credit card classification, check card classification, point card classification, membership card classification, and the like, based on the frequency of card use or the card issuer. Can be sorted and stored.
- the storage 150 may store a program for the operation of the controller 140.
- the smart multi-card may further include a wireless communication unit.
- the wireless communication unit 170 is provided in the plate 110 and performs a function of transmitting card information to the outside through wireless communication. That is, the wireless communication unit 170 may perform a function of transmitting card data to a payment terminal (ie, card reader).
- the wireless communication unit 170 performs data transmission and reception with the mobile terminal 200 through wireless communication, so as to generate card data corresponding to a specific card (for example, seed data used to generate first encryption data and token data). Can be received. That is, the smart multi card 100 receives card data (for example, a combination of first encryption data and seed data) from the card information management server 300 through the mobile terminal 200 (for example, the mobile terminal). The card 200 may be received from the card information management server 300 through Wi-Fi, LTE cellular communication, etc., and the mobile terminal 200 may be transmitted to the smart multi-card through short-range wireless communication.
- card data for example, a combination of first encryption data and seed data
- the card 200 may be received from the card information management server 300 through Wi-Fi, LTE cellular communication, etc.
- the wireless communication unit 170 may perform a function of receiving user authentication information from the mobile terminal 200. That is, the wireless communication unit 170 may receive information (ie, first user authentication information) for performing user authentication when receiving new card information from the mobile terminal 200 later.
- the user authentication information may correspond to biometric information such as fingerprint information of the user, and may correspond to various information for identifying the user.
- the wireless communication unit 170 transmits the first user authentication information to be compared with the second user authentication information stored in the mobile terminal 200 to the mobile terminal 200, and the first user authentication information and When the second user authentication information matches, the first encryption data and the seed data may be received from the mobile terminal 200. That is, the smart multi card 100 compares user authentication information when receiving new card information from the mobile terminal 200 and checks whether it corresponds to a device of the same user, and if it corresponds to a device of the same user, the mobile terminal ( New card data may be received in accordance with the approval of 200).
- Short-range communication technology used in the wireless communication unit including Bluetooth, BLE (Bluetooth Low Energy), Beacon, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, Near Field Communication (NFC), and the like may be used.
- the wireless communication unit receives the new card information and transmits the new card information to the control unit 140, and the control unit 140 performs information processing and stores the information in the memory.
- the magnetic field generation unit may output a magnetic signal corresponding to the card data from the time when the header of the card reader enters, so that the initial portion of the card data is not transferred to the header, thereby preventing the card reader recognition rate from falling.
- the magnetic signal can be started at the same position regardless of the speed at which the user scratches the smart multi card.
- the magnetic field strength of the magnetic cell is strong at both ends of the magnetic cell, but the strength of the magnetic field becomes weaker as it gets closer to the center of the magnetic cell. Therefore, as soon as the magnetic field generating unit enters the magnetic field generating unit, the magnetic signal may be transferred to the header of the card reader in the region having strong magnetic field strength.
- the magnetic signal of the magnetic field generating unit is precisely generated at the point of entering the magnetic field generating unit. I can regulate it.
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- Engineering & Computer Science (AREA)
- Computer Hardware Design (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Near-Field Transmission Systems (AREA)
- Electromagnetism (AREA)
Abstract
La présente invention concerne une multicarte à puce conçue pour ajuster une synchronisation de sortie de données de carte. D'après un mode de réalisation de la présente invention, la multicarte à puce conçue pour ajuster une synchronisation de sortie de données de carte comprend : une unité de production de champ magnétique destinée à émettre un signal magnétique correspondant à des données de carte; une unité de détection d'insertion destinée à détecter si un en-tête de lecteur de carte se rapproche; et une unité de commande destinée à détecter une entrée de l'en-tête dans une plage particulière à partir de l'unité de détection d'insertion, à détecter sa sortie dans la plage particulière et, lorsque la sortie est détectée, à fournir des données de carte particulières à l'unité de production de champ magnétique et à demander l'émission du signal magnétique. D'après la présente invention, l'unité de production de champ magnétique peut émettre un signal magnétique correspondant à des données de carte à partir de l'instant auquel l'en-tête de lecteur de carte entre et peut par conséquent prévenir une diminution du taux de reconnaissance du lecteur de carte lorsque la partie initiale des données de carte ne peut être transmise à l'en-tête.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR10-2016-0007464 | 2016-01-21 | ||
| KR1020160007464A KR101783710B1 (ko) | 2016-01-21 | 2016-01-21 | 스마트멀티카드 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2017126917A1 true WO2017126917A1 (fr) | 2017-07-27 |
Family
ID=59362740
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/KR2017/000684 Ceased WO2017126917A1 (fr) | 2016-01-21 | 2017-01-19 | Multicarte à puce |
Country Status (2)
| Country | Link |
|---|---|
| KR (1) | KR101783710B1 (fr) |
| WO (1) | WO2017126917A1 (fr) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116343351A (zh) * | 2023-04-10 | 2023-06-27 | 苏州雷格特智能设备股份有限公司 | 一种智能型、隐藏式的票卡充值回收模块 |
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| JP3563956B2 (ja) * | 1998-03-30 | 2004-09-08 | 株式会社三協精機製作所 | 磁気カードリーダ |
| KR100984155B1 (ko) * | 2007-11-19 | 2010-09-28 | (주)타마릭스 | 자기띠 에뮬레이터용 전자석을 이용한 자기신호 전달장치및 이를 이용한 아이씨 카드 |
| US20110028184A1 (en) * | 1994-11-04 | 2011-02-03 | Technology Licensing Corporation | Universal Credit Card Apparatus and Method |
| US8727219B1 (en) * | 2009-10-12 | 2014-05-20 | Dynamics Inc. | Magnetic stripe track signal having multiple communications channels |
| KR20150112903A (ko) * | 2015-04-06 | 2015-10-07 | 브릴리언츠 주식회사 | 가변 다중 자장발생장치를 포함한 멀티 카드 |
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- 2016-01-21 KR KR1020160007464A patent/KR101783710B1/ko not_active Expired - Fee Related
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- 2017-01-19 WO PCT/KR2017/000684 patent/WO2017126917A1/fr not_active Ceased
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20110028184A1 (en) * | 1994-11-04 | 2011-02-03 | Technology Licensing Corporation | Universal Credit Card Apparatus and Method |
| JP3563956B2 (ja) * | 1998-03-30 | 2004-09-08 | 株式会社三協精機製作所 | 磁気カードリーダ |
| KR100984155B1 (ko) * | 2007-11-19 | 2010-09-28 | (주)타마릭스 | 자기띠 에뮬레이터용 전자석을 이용한 자기신호 전달장치및 이를 이용한 아이씨 카드 |
| US8727219B1 (en) * | 2009-10-12 | 2014-05-20 | Dynamics Inc. | Magnetic stripe track signal having multiple communications channels |
| KR20150112903A (ko) * | 2015-04-06 | 2015-10-07 | 브릴리언츠 주식회사 | 가변 다중 자장발생장치를 포함한 멀티 카드 |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116343351A (zh) * | 2023-04-10 | 2023-06-27 | 苏州雷格特智能设备股份有限公司 | 一种智能型、隐藏式的票卡充值回收模块 |
| CN116343351B (zh) * | 2023-04-10 | 2025-08-29 | 苏州雷格特智能设备股份有限公司 | 一种智能型、隐藏式的票卡充值回收模块 |
Also Published As
| Publication number | Publication date |
|---|---|
| KR101783710B1 (ko) | 2017-11-06 |
| KR20170087641A (ko) | 2017-07-31 |
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