This paper proposes a dynamic magnetic field emulator (DMFE), which can electrically emulate information for the magnetic stripes of most widely used credit cards. Payment transactions with most common credit cards are performed by reading the card’s information, encoded in magnetic stripes, using the reader head of a point-of-sale (POS) system. A stripe-type permanent magnet is attached to the back side of the credit card, and information for payments or value-added service is reorganized by exposing it to strong magnetic field. The process of data recording and retrieving as stated above has been pointed out as a major cause of illegal credit card use, because the information on the magnetic stripe is always exposed, and is thus vulnerable to forgery or alteration. A dynamic magnetic field emulator displays card information only when necessary by using the principle of solenoidal magnets. The DMFE proposed in this paper can prevent fraudulent use if it is operated with a device, like a smart phone, or a separate user-authentication procedure. In addition, because it is possible to display various information as needed, it can be utilized for a smart multi-card application, in which information for multiple cards is stored in one card, and can be selected and used as needed. This paper introduces the necessity of the DMFE and its manufacturing principles. As a result, this study will be helpful for making various application cases in payment, which is a core area of the Fintech (a newly-coined word of finance and technology) industry.

1. 서 론
 2. 유관 연구
  2.1 자기 띠 방식의 카드 규격
  2.2 자기 띠 카드의 작동 원리
 3. 동적자장모사장치의 개발
  3.1 동적자장모사장치의 작동원리
  3.2 동적자장모사장치의 구현
  3.3 스마트멀티카드의 구현
 4. 결 론
 Acknowledgement
 References

• 배재호(오산대학교 산업공학과) | Jae-Ho Bae (Dept. of Industrial Engineering, Osan University) Corresponding author