KR102196520B1 - Non face to face management and control system based on artificial intelligence for user authentication using radio frequency - Google Patents

Abstract

The present invention relates to an artificial intelligence-based non-face-to-face management and control system using radio frequency (RF) identification, which minimizes purchase and maintenance costs of payment processing devices in an offline store to reduce economic burden. According to the present invention, the system comprises: a consumer electronic wallet unit installed in a consumer smart device and transmitting payment request information to a seller smart device through RF communications; a seller payment processing unit installed in the seller smart device, generating order product information when an order product is paid, transmitting approval request information to the outside, and receiving approval processing information from the outside; and an integrated management server unit for transmitting the approval processing information to the seller payment processing unit.

Description

Artificial intelligence non-face-to-face management and control system using RF self-authentication {NON FACE TO FACE MANAGEMENT AND CONTROL SYSTEM BASED ON ARTIFICIAL INTELLIGENCE FOR USER AUTHENTICATION USING RADIO FREQUENCY}

An embodiment of the present invention relates to an artificial intelligence non-face-to-face management and control system using RF identity authentication, and relates to a system for non-face-to-face, authentication, order, payment, settlement, management, and control using RF identity authentication.

In general, when purchasing goods, contents, services, etc., cash payment method and financial card payment method are mainly used as payment methods. Financial cards used as payment methods have differences between prepaid and postpaid methods, but generally Cash cards, securities cards, debit cards, insurance cards, debit cards, transportation cards, and credit cards.

People have at least one financial card, and after purchasing goods, services, etc., payments are made with their own financial card.

Depending on the technology method, financial cards may be classified into magnetic methods and IC chip method financial cards.

Depending on the type of financial card, magnetic secure transmission (MST) method, which reads information from the magnetic of the financial card, and IC chip method, near field communication (NFC), which reads card information from the financial card. In recent years, barcode recognition, QR code recognition, and OCR shooting recognition methods have been developed and applied.

In general, when a merchant pays offline, if a financial card is read into a dedicated card payment terminal such as a magnetic stripe reader (MSR), a point of sales (POS) terminal, a wired or wireless card payment terminal, the dedicated card payment terminal Payment is completed by requesting payment approval from the relevant card company through a value added network (VAN) company for card information read from a financial card, and printing a receipt upon payment approval.

In addition, due to the spread of mobile communication terminals such as smart phones and the growth of e-commerce transactions, a non-face-to-face financial card payment method that cannot be directly faced between users and affiliates is required. The card information is stored in a mobile communication terminal such as a smart phone and a smart pad to perform payment in the form of a mobile financial card.

In addition, in order to solve the problem of exposing and leaking card information that may occur when storing real card information of real financial cards as well as digital financial cards, virtual financial cards having virtual card information instead of real card information (hereinafter referred to as "virtual finance A technology for performing payment in the form of a mobile financial card by registering a card") has been developed and applied. Here, in order to prevent exposure and leakage of even the virtual card information of the virtual financial card in recent years, one-time one-time virtual card information or one-time card number (One Time Card number), such as the One Time Password (OTP) method, has been further developed. : A method of performing payment using OTC) has been developed and applied to the card payment system.

In addition, in recent years, in order to increase the security of the mobile communication terminal, an identity authentication technology is applied to the mobile communication terminal. As such an identity authentication technology, a biometric identity authentication technology that uses biometric information such as a user's fingerprint and iris, and personal identification information (Personal Identification Number (PIN)) such as passwords and patterns set by the user are registered to perform identity authentication. PIN authentication technology is additionally applied.

As described above, the user may use a mobile communication terminal storing not only a real financial card but also a mobile financial card as if it were a real financial card.

Therefore, in addition to the existing payment terminals, the MST, NFC, barcode, QR code, and OCR-type dedicated card payment terminals that are recently installed in stores of affiliated merchants read real and virtual card information of mobile financial cards from the mobile communication terminal to make payments. It is configured to be able to perform.

In general, the dedicated card payment terminal could be used only after the opening of the general telephone network (PSTN) and wireless communication network, which is a VAN communication network, and approval for use of the affiliated store from the VAN company that manufactures and supplies the hardware and software. You need to get support.

In order to solve this problem, the affiliate store is provided with a plurality of dedicated card payment terminals and is configured to connect the provided card payment terminals to a plurality of VAN communication networks.

In addition, as mentioned above, the affiliate store must have a plurality of dedicated card payment terminals and subscribe to a number of VAN communication networks in order to prevent error situations such as failure, damage, communication failure, etc., as described above, so not only the construction cost for the card payment terminal, but also In the case of new stores or companies, there is a problem that the construction and operation costs of POS devices are high and are constantly required.

Registered Patent Publication No. 10-1644568 (Registration date: July 26, 2016)

An embodiment of the present invention provides minimal information for non-face-to-face authentication, order, payment, settlement, management, and control from a consumer's smart device to a seller's smart device through RF communication, and in an integrated server based on the provided minimum information. By integrating non-face-to-face authentication, ordering, payment, settlement, management, and control, from the perspective of consumers, it reduces the hassle of entering personal information and prevents exposure of personal information, thereby minimizing damage such as crime and accidents. It is possible to reduce the risk by identifying crimes and accidents caused by exposure of personal information in advance, and to respond quickly. From the seller's point of view, economic burden by minimizing the cost of purchasing and operating and managing payment processing devices of offline stores It provides an artificial intelligence non-face-to-face management and control system using RF self-authentication that can reduce

The artificial intelligence-based non-face-to-face management and control system using RF self-authentication according to an embodiment of the present invention is installed on a consumer smart device, includes pre-stored RF unique information, and is previously stored or the consumer smart device is A consumer electronic wallet unit that transmits payment request information selectively including personal authentication information and payment method information input through the terminal to the seller smart device through RF communication; It is installed on the seller's smart device, generates order product information when paying for order products, and includes one of identity authentication, payment, or payment cancellation based on the order product information and the payment request information received through RF communication. A seller payment processing unit that transmits approval request information to the outside and receives approval processing information from the outside; And receiving the approval request information, processing identity authentication according to the payment request information, and interlocking with a financial settlement system upon completion of identity authentication to proceed with payment or payment cancellation processing according to the approval request information, and the approval processing information It includes an integrated management server unit for transmitting to the seller payment processing unit.

In addition, the consumer electronic wallet unit, the RF unique information storage management unit for receiving and storing and managing the RF unique information from the integrated management server unit; A personal authentication information storage management unit receiving at least one of the consumer's biometric authentication information and personal identification information, storing and managing it, and registering it with the integrated management server unit; A payment means information storage management unit for registering the payment means information in the integrated management server unit and storing and managing the payment means information in the consumer smart device; When paying for an order product, in the case of a server storage method, payment request information including the RF-specific information is generated, and in the case of a non-server storage method, payment request information including the RF-specific information, the biometric authentication information, and the payment method information is generated. A payment request unit for generating and transmitting to the seller smart device through RF communication of the consumer smart device; And in the case of the non-server storage method, the biometric information of at least one of face, iris, retina, fingerprint, blood vessel pattern, vein, and voice is input from the consumer, and the biometric authentication information is generated and transmitted to the payment request unit, or In this case, it may include a biometric authentication information generation management unit that stores the generated biometric authentication information in an identity authentication information storage management unit.

In addition, the consumer electronic wallet unit may receive the approval processing information from the integrated management server unit, generate payment approval details based on the received approval processing information, and query the generated payment approval details for each preset category. It may further include a payment approval details confirmation unit provided to be provided.

In addition, the seller payment processing unit provides product information to be orderable, and generates the order product information including at least one of product identification information, product price information, and product discount information for the order product when ordering products. Information generation unit; Receiving the payment request information through RF communication, including the received payment request information and the order product information generated through the order product information generation unit, and the approval according to either self-authentication, payment, or payment cancellation An approval request unit for transmitting request information to the integrated management server unit; And an approval processing information providing unit receiving the approval processing information from the integrated management server unit and outputting the approval processing information through the seller smart device.

In addition, the seller payment processing unit includes at least one of sales and sales statistics information for each product, affiliate store operation strategy information, sales and sales calculation information, and recommended product configuration information based on the approval request information from the integrated management server unit. It may further include a consumer market analysis information verification unit receiving the analysis information.

In addition, the approval request unit may delete the identity authentication information and the payment method information when receiving the approval processing information from the integrated management server unit.

In addition, the seller payment processing unit may further include a receipt issuance management unit connected to a print output device through the seller smart device to output the approval processing information as a receipt through the print output device.

In addition, the integrated management server unit, the approval information transmitting and receiving unit for receiving the approval request information from the seller payment processing unit, and transmitting the approval processing information or non-approved information to the seller payment processing unit; In the case of the server storage method, the user authentication information that is matched with the same RF unique information as the RF unique information included in the approval request information among the previously stored RF unique information is matched with the RF unique information included in the approval request information. In the case of a non-server method, the identity authentication information that is matched with the RF unique information identical to the RF unique information included in the approval request information is matched to the identity authentication information included in the approval request information. A personal authentication processing unit that proceeds with the identification process compared with the And in the case of server storage in connection with the financial settlement system when authenticating the person according to the identity authentication procedure, payment processing or payment cancellation processing procedure is performed using the payment method information matched with the RF unique information, and In this case, it may include a payment processing unit that performs a payment processing or payment cancellation processing procedure by using payment method information included in the approval request information, and generates the approval processing information or the non-approval information according to the processing result.

In addition, the integrated management server unit includes at least one of sales statistics information for each product, affiliate store operation strategy information, sales and sales calculation information, and recommended product composition information through analysis of the approval request information based on an artificial intelligence algorithm. It may further include a consumption market information analysis unit that generates analysis information and provides it to the seller payment processing unit.

According to the present invention, the minimum information for product payment from the consumer's smart device to the seller's smart device is provided through RF communication, and the integrated server performs identity authentication and payment processing based on the provided minimum information. RF that reduces the hassle of inputting information and minimizes the damage caused by preventing the exposure of personal information, and reduces the economic burden by minimizing the cost of purchasing and operating and managing payment processing devices in offline stores for sellers. It can provide an artificial intelligence non-face-to-face management and control system using self-authentication.

1 is a schematic diagram illustrating the overall configuration of an artificial intelligence non-face-to-face management and control system using RF self-authentication according to an embodiment of the present invention and the system operation according to the non-server storage method.
FIG. 2 is a schematic diagram illustrating an overall configuration of an artificial intelligence non-face-to-face management and control system using RF self-authentication according to an embodiment of the present invention and system operation according to a server storage method.
3 is a block diagram showing the overall configuration of an artificial intelligence non-face-to-face management and control system using RF self authentication.
4 is a block diagram showing the configuration of a consumer electronic wallet according to an embodiment of the present invention.
5 is a block diagram showing the configuration of a merchant payment processing unit according to an embodiment of the present invention.
6 is a block diagram showing the configuration of an integrated management server according to an embodiment of the present invention.

The terms used in the present specification will be briefly described, and the present invention will be described in detail.

The terms used in the present invention have been selected from general terms that are currently widely used while considering functions in the present invention, but this may vary depending on the intention or precedent of a technician working in the field, the emergence of new technologies, and the like. In addition, in certain cases, there are terms arbitrarily selected by the applicant, and in this case, the meaning of the terms will be described in detail in the description of the corresponding invention. Therefore, the terms used in the present invention should be defined based on the meaning of the term and the overall contents of the present invention, not a simple name of the term.

When a part of the specification is said to "include" a certain component, it means that other components may be further included rather than excluding other components unless otherwise stated. In addition, terms such as "... unit" and "module" described in the specification mean a unit that processes at least one function or operation, which may be implemented as hardware or software or a combination of hardware and software. .

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art may easily implement the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and similar reference numerals are assigned to similar parts throughout the specification.

1 is a schematic diagram showing the overall configuration of an artificial intelligence non-face-to-face management and control system using RF self-authentication according to an embodiment of the present invention and the system operation according to the non-server storage method, and FIG. 2 is an implementation of the present invention. A schematic diagram showing the overall configuration of an artificial intelligence non-face-to-face management and control system using RF self-authentication according to an example and the system operation according to the server storage method, and FIG. 3 is an artificial intelligence non-face-to-face management and control using RF self-authentication. A block diagram showing the overall configuration of the system, FIG. 4 is a block diagram showing the configuration of a consumer electronic wallet according to an embodiment of the present invention, and FIG. 5 is a block diagram showing the configuration of a merchant payment processing unit according to an embodiment of the present invention. 6 is a block diagram showing the configuration of an integrated management server according to an embodiment of the present invention.

1 to 3, the artificial intelligence non-face-to-face management and control system 100 using RF personal authentication according to an embodiment of the present invention includes a consumer electronic wallet unit 100, a seller payment processing unit 200, and integrated management. It may include at least one of the server unit 300.

The consumer electronic wallet unit 100 and the seller payment processing unit 200 are implemented in the form of an application or/and a web program installed on a smart device, and transmit and receive data and information through RF communication between smart devices, and integrate with the smart device. The management server unit 300 may transmit and receive data and information through a wired or wireless Internet network.

The smart device of this embodiment is divided into a consumer smart device 10 in which the consumer electronic wallet unit 100 is installed and a merchant smart device 20 in which the merchant payment processing unit 200 is installed. These consumer and seller smart devices 10 and 20 are smart phones, tablet PCs, laptop computers, digital broadcasting terminals, personal digital assistants (PDAs), and portable multimedia players (PMPs). , A slate PC, an ultrabook, etc. may be a mobile communication terminal, but the present invention is not limited thereto, and may be a fixed terminal such as a digital TV or a desktop computer, but is not particularly limited.

The integrated management server unit 300 has the same configuration as a typical web server in hardware, and is implemented through various types of languages such as C, C++, Java, Visual Basic, Visual C, etc. It may include a functional program module. In addition, it can be implemented using web server programs that are variously provided according to operating systems such as dos, windows, linux, unix, and macintosh in general server hardware. have.

Between the consumer smart device 10 and the integrated management server unit 300 and between the seller smart device 20 and the integrated management server unit 300 may include at least one wired communication network or a wireless communication network, and a wired communication network of the network An example of may be a closed network such as a local area network (LAN) or a wide area network (WAN), and an open network such as the Internet is preferable. The Internet is the TCP/IP protocol and several services that exist in the upper layer, namely HTTP (HyperText Transfer Protocol), Telnet, FTP (File Transfer Protocol), DNS (Domain Name System), SMTP (Simple Mail Transfer Protocol), SNMP ( It refers to a global open computer network structure that provides Simple Network Management Protocol), Network File Service (NFS), and Network Information Service (NIS). In addition, as an example of a wireless communication network, technical standards or communication methods for mobile communication (for example, GSM (Global System for Mobile communication), CDMA (Code Division Multi Access), CDMA2000 (Code Division Multi Access 2000)), EV-DO (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), WCDMA (Wideband CDMA), HSDPA (High Speed Downlink Packet Access), HSUPA (High Speed Uplink Packet Access), LTE (Long Term Evolution), LTE- A (Long Term Evolution-Advanced), etc.) may be included, but is not particularly limited. The consumer electronic wallet unit 100 is installed in the consumer smart device 10, includes RF unique information previously stored at the time of order product payment, and personal authentication information and payment method information that are previously stored or input through the consumer smart terminal Payment request information selectively including the can be transmitted to the seller smart device 20 through the RF communication provided in the consumer smart device 10 or an RF communication device (not shown) connected to the consumer smart device 10. Here, in the case of adopting a non-server method as a self-authentication and payment method, RF unique information, self-authentication information, and payment method information are transmitted from the consumer smart device 10 to the seller smart device 20 when paying for order products, and the server method In the case of adopting, only RF unique information can be transmitted from the consumer smart device 10 to the seller smart device 20 when paying for an order product. More specifically, in the non-server method, personal authentication information and payment method information are stored in advance in the consumer smart device 10, or input through the consumer smart device 10 when making an order product payment to the seller smart device 20. In the server method, when only the RF unique information is transmitted from the consumer smart device 10 when paying for an order product, the matching identity authentication information and payment method information according to the RF specific information are stored in the server. There is a difference in that authentication and payment processing using the corresponding RF unique information and matching stored information are performed, and these methods can be set according to the consumer's choice when registering as a member after initial installation of the consumer electronic wallet unit 100. However, it is not limited thereto, and it is also possible to change settings between the non-server method and the server method between uses.

As shown in FIG. 4, the consumer electronic wallet unit 100 includes an RF unique information storage management unit 110, a personal authentication information storage management unit 120, a payment method information storage management unit 130, and a payment request unit 140 , It may include at least one of the payment approval details confirmation unit 150 and the biometric authentication information generation management unit 160.

The RF unique information storage management unit 110 may receive and manage RF unique information (device identification information, consumer ID information, separate RF identification information, etc.) from the integrated management server unit 300 and store and manage it. You can provide the stored information. At this time, as the unique RF information is issued from the integrated management server unit 300, the integrated management server unit 300 is also registered for matching with the corresponding consumer.

The identity authentication information storage management unit 120 may receive and manage at least one of a consumer's biometric authentication information and personal identification information, and register the information as the integrated management server unit 300. The identity authentication information according to the present embodiment may include the consumer's biometric information and personal identification information, wherein the biometric information includes information about the consumer's face, iris, retina, fingerprint, blood vessel pattern, vein, and voice. The personal identification information may include the consumer's PIN number, electronic signature, phone number, sex, name, age, etc., but in this embodiment, biometric information and personal identification information are not limited to such objects, Various information can be additionally applied.

The payment method information storage management unit 130 may register payment method information in the integrated management server unit 300 and store and manage the payment method information in the consumer smart device 10. The payment method information according to the present embodiment may include various information necessary for payment, such as credit card information, check (debit) card information, and automatic transfer account information.

The payment request unit 140 generates first payment request information including RF unique information in the case of a server storage method when paying for an order product, and RF unique information, biometric authentication information, and payment method information in the case of a non-server storage method. The second payment request information including a may be generated and transmitted to the seller smart device 20 through RF communication of the consumer smart device 10. Here, the first payment request information may include only RF specific information previously stored in the consumer smart device 10 as information for payment when the payment method is set as a server storage method, and such RF specific information is the seller smart device It is transmitted to the integrated management server 300 through the seller's payment processing unit 200 of (20), and the integrated management server 300 matches with only the corresponding RF unique information and authenticates the user using the stored consumer's identification information and payment method information. And payment processing, respectively. And, the second payment request information is stored in advance in the consumer smart device 10 as information for payment when the payment method is set as a non-server storage method, or personal authentication information input through the consumer smart device 10, Payment method information may be input and generated together with RF specific information. At this time, the second payment request information including RF unique information, identity authentication information, and payment method information is transmitted to the integrated management server 300 through the merchant payment processing unit 200 of the merchant smart device 20, and the integrated management server In (300), based on the RF unique information, the user's identity authentication information and payment method information are matched with the currently received identity authentication information and payment method information, so that identity authentication and payment processing can be carried out using the stored identity authentication information and payment method information. .

In the case of a non-server storage method, the biometric authentication information generation management unit 150 receives at least one of a face, an iris, a retina, a fingerprint, a blood vessel pattern, a vein, and a voice from a consumer, and generates biometric authentication information for payment. The biometric authentication information generated as described above can be transmitted to the request unit 140 or, in the case of a server method, stored in the personal authentication information storage management unit 120, and then provided at the time of order product payment. The biometric information generation management unit 150 according to the present embodiment includes functions and sensor modules for facial recognition, fingerprint recognition, voice recognition, iris recognition, vein recognition, electronic signature input, etc. to receive and recognize the above-described biometric information. This may be provided, or an auxiliary electronic device or a sensor module for this may be additionally connected to the consumer smart device 10.

The payment approval details confirmation unit 160 may separately receive approval processing information from the integrated management server unit 300, and generate payment approval details based on the received approval processing information, and the generated payment approval details. It can be provided so that it can be searched for each preset category. For example, the payment approval details confirmation unit 160 may provide basic payment approval details on when and how much payments for what products at any affiliated store from January 1, 2020 to the present, and these basic payment approval details Based on the period of use, affiliated store location, product type, and payment price range, desired data can be provided by sorting or filtering.

The seller payment processing unit 200 is installed in the seller smart device 20, generates order product information when paying for order product, and payment request information received from the consumer smart device 10 through order product information and RF communication. Based on'personal authentication and payment' or'payment cancellation', the approval request information including one of the integrated management server unit 300 is transmitted to the integrated management server unit 300, and the approval processing information is received from the integrated management server unit 300. I can.

To this end, as shown in FIG. 5, the seller payment processing unit 200 includes an order product information generation unit 210, an approval request unit 220, an approval processing information providing unit 230, and a consumption market analysis information confirmation unit 240. ) And at least one of the receipt issuance management unit 250.

The order product information generation unit 210 provides product information so that it can be ordered, and generates order product information including at least one of product identification information, product price information, and product discount information for the order product when ordering products. I can. More specifically, when the identification information (i.e., product identification information) of the product to be paid is selected or the identification information of the barcode or QR code attached to the product is input or received, product price information and product discount related to the information After confirming the information, it is possible to automatically generate order product information along with the confirmed product identification information, product price information, and product discount information.

The approval request unit 220 receives payment request information from the consumer electronic wallet unit 100 of the consumer smart device 10 through RF communication, and provides the received payment request information and order product information generation unit 210 It includes order product information generated through and may transmit approval request information according to either'personal authentication and payment' or'payment cancellation' to the integrated management server unit 300. If the merchant smart device 20 according to this embodiment does not have a function or module capable of recognizing an RF signal, a separate RF reader 30 is connected to transmit data from the consumer smart device 10. Can receive.

The approval request unit 220 automatically completely deletes the consumer's identity authentication information and payment method information when payment approval is completed and the approval processing information is received from the integrated management server unit 300 so that personal information is not exposed. It can be prevented in advance.

The approval processing information providing unit 230 may receive approval processing information from the integrated management server unit 300 and output it through the screen of the seller smart device 20. In this case, when the consumer chooses not to issue a receipt, only payment approval details are displayed on the screen so that the information can be delivered.

The consumption market analysis information confirmation unit 240 includes at least one of sales and sales statistics information for each product, affiliate store operation strategy information, sales and sales calculation information, and recommended product configuration information based on the approval request information from the integrated management server unit 300. Consumption market analysis information including a can be provided. The approval request information according to the present embodiment includes the name, age, gender, information on the product paid, and information on the location/location of the merchant paid for the consumer, so that the integrated management server unit 300 provides statistics through an artificial intelligence algorithm. And analysis processing to provide sales and sales statistics information for each product, affiliate store operation strategy information, sales and sales settlement information, and recommended product composition information, etc., thereby providing various and useful information necessary for the operation and sales management of affiliate store owners.

The receipt issuance management unit 250 is connected through a wired/wireless communication method with the print output device 50 through the seller smart device 20 and transmits the approval processing information received from the integrated management server unit 300 to the print output device 50 ) To print the receipt, so that the receipt can be provided to consumers. At this time, when a receipt is not issued according to the consumer's selection, approval processing information may be provided through the screen of the seller smart device 20.

The integrated management server unit 300 receives approval request information from the seller payment processing unit 200 of the seller smart device 20, and identity authentication information or identity authentication information according to RF unique information included in the approval request information. Processes the identity authentication using and, upon completion of identity authentication, interlocks with the financial settlement system 40 to proceed with payment or payment cancellation processing procedures using payment method information or payment method information according to RF unique information included in the approval request information After that, the resultant approval processing information (payment approval information or payment cancellation approval information) may be generated and transmitted to the seller's payment processing unit 200.

To this end, the integrated management server unit 300, as shown in FIG. 6, is an approval information transmission/reception unit 310, an identity authentication processing unit 320, a payment processing unit 330, and a consumption market information analysis unit 340. ) May include at least one of.

The approval information transmission/reception unit 310 may receive approval request information from the seller payment processing unit 200 and transmit approval processing information or non-approval information to the seller payment processing unit 200. As described above, when identity authentication and payment processing is set in a non-server method, the approval request information includes RF unique information, identity authentication information, payment method information, etc., and if identity authentication and payment processing is set in a server method, RF unique It contains only information.

In the case of the server storage method, the identity authentication processing unit 320 stores the identity authentication information matched with the RF unique information identical to the RF unique information included in the approval request information among the previously stored RF unique information to the approval request information. It is possible to proceed with the self-authentication process by comparing it with other self-authentication information matched with the included RF unique information. In other words, in the case of the server storage method, the identity authentication process must be performed only with the received RF unique information, so after finding the identity authentication information A according to the received RF unique information, the received RF unique information is the same as the received RF unique information. RF-specific information is searched, and other self-authentication information B that is previously matched with the found RF-specific information is searched. Thereafter, the identity authentication procedure can be performed to determine whether the identity authentication information A and the identity authentication information B are the same.

In addition, in the case of the non-server method, after finding the identity authentication information B that matches the RF unique information that is identical to the RF unique information included in the approval request information, the identity authentication information A included in the approval request information is compared to each other. You can proceed with the identity verification process.

The payment processing unit 330 interlocks with the financial settlement system 40 when authenticating the person according to the identity authentication procedure, and in the case of a server storage method, the payment process or the payment method information matched with the received RF unique information In the case of a payment cancellation processing procedure, in the case of a non-server method, payment processing or payment cancellation processing can be performed using the received payment method information, and the seller smart It may be transmitted to the device 20 and/or the consumer smart device 10.

The consumption market information analysis unit 340 statistically analyzes the approval request information received from the seller's smart device 20 based on the deep learning-based artificial intelligence algorithm and built big data, and through this, sales statistics information for each product. , Affiliate management strategy information, sales and sales calculation information, and consumption market analysis information including at least one of recommended product configuration information may be generated and provided to the seller payment processing unit 200. The approval request information according to the present embodiment includes the name, age, gender, information on the paid product, and information on the location/location of the merchant paid for the consumer, so that the consumption market information analysis unit 340 uses an artificial intelligence algorithm. By providing statistics and analysis processing, sales and sales statistics information for each product, affiliate store operation strategy information, sales and sales settlement information, and recommended product composition information, etc., it is possible to provide various and useful information necessary for the operation and sales management of affiliate store owners. .

The artificial intelligence-based non-face-to-face management and control system using RF identity authentication according to the present embodiment does not use existing physical cards (credit card, check (debit) card), etc. In addition, it is possible to increase security by not exposing personal information (phone number, PIN number, etc.) and biometric information for identification when making payment.

In addition, by transmitting various data and information necessary for payment using RF communication and smart devices in offline stores to make payment, you can use existing mobile devices such as smartphones or tablet PCs as they are, providing compatibility and versatility. At the same time, the cost for preparing devices such as POS terminals, card payment machines, and kiosks can be reduced.

The artificial intelligence-based non-face-to-face management and control system using RF identity authentication according to the present embodiment can be used not only in offline stores but also in online stores, and in the case of offline stores, non-face-to-face payments such as apartments or public parking lots, As non-face-to-face payments for drive-throughs, toll gates, clothing stores, and restaurants are possible, more convenient and safe payments at offline stores are possible.

On the other hand, consumer smart devices can use the payment service more conveniently by interlocking with belongings or accessories such as RF cards, RF air fresheners, and RF stickers, and wearable devices such as RF bracelets, RF earrings, and RF necklaces.

Hereinafter, an overall operation process of the artificial intelligence-based non-face-to-face management and control system 1000 using RF self authentication according to the present embodiment will be described.

In the first way, after the RF reader recognizes the RF card information (unique number, nickname, etc.), it requests a 1:1 matching of personal information (living information, etc.) to the integrated server. At this time, the integrated server provides personal information to the smart device and requests approval for matching.

In the smart devices, apps, and programs 100 and 200, after matching with registered RF information and other authentication information, personal information (such as raw material information) stored in the smart device is transmitted to the personal server/self server.

After matching (approval) authentication information to the smart device, the integrated manager transmits the personal information (living information) it has to the personal/self server linked to the smart device.

Personal information (living information) matching is performed on the personal server/self server.

The personal server/self server derives a result value (payment approval), and the result value is transmitted to the integrated management server 300. After transmitting the result value, personal information (fresh information) is deleted after a certain period/after transmitting the result value.

In the integrated management server 300, only payment, order, settlement, and management values exist, and payment is made with each result value. If payment is approved after a certain period of time, all data is deleted (integrated management server, personal/self server, etc.).

After matching the biometric information, personal information may be volatile after a certain period (configurable), or the biometric information may be deleted after payment is completed due to the matching information.

Alternatively, after the RF reader recognizes the RF card information (unique number, nickname, etc.), it requests a 1:1 matching of personal information (living information, etc.) to the integrated management server 100.

After matching the RF information registered in the smart device, app, and program 100 and 200, matching with personal information is performed.

After the matching is completed, the smart device transmits the payment approval and process approval result to the integrated management server 300, and then the integrated management server performs each process with only the result value. The result value is deleted after a certain period or after payment is completed.

Hereinafter, descriptions and problems of the prior art, and effects of the present embodiment for solving them will be described.

Conventional Samsung Pay or LG Pay recognizes magnetic card information and proceeds with payment using a magnetic field method. At this time, after biometric authentication, for each payment, a disposable number (code) is issued (MST+NFC).

This prior art, as the use of short-range communication, consumes a considerable amount of battery and can be used only where there is an NFC payment system, has low versatility, and is not easy to use in places where payment cancellation often occurs. For example, if you cancel a payment at CGV or Megabox, you can cancel only after entering the Samsung Pay app and setting it to the cancellation mode, and canceling it is possible, and it cannot be used at a general card reader, and certain affiliates such as gas stations or ticket vending machines. Cannot be used due to interest in

The RF unique number according to the present embodiment is recognized as a unique number through an RF reader, and the recognized unique number is matched with personal information (living information, etc.) through information linked to personal information such as nickname, PIN number, and phone number. By proceeding with the process, double security is performed, and payment is made after the final biometric authentication is performed. By recognizing magnetic card information or card information (information stored in apps, web programs, etc.), payment is made by frequency and magnetic field methods.After the smart device and RF card (intangible, tangible) are recognized by the RF reader, biometric authentication is performed. Payment can be processed (issuing a one-time number or payment by other methods) through (RF (unique number and random number) + Bio (personal authentication))

At this time, the credit card information is encrypted, the credit card information is matched with an RF unique number, and the RF unique number is linked with a nickname (information that can replace a real name) or personal information. When the RF smart device or RF card is read by the RF reader, the RF unique number starts matching with the nickname or personal information, and the biometric information is retrieved from the personal server/integrated server or smart device. Payment is processed after identification is completed with biometric information.

Meanwhile, the RF unique number may be linked with a nickname or personal information. When an RF smart device or RF card is read by an RF reader, biometric authentication is performed through the biometric authentication system linked to the smart device or store (store), and payment is made.

According to this embodiment, long-distance communication is possible using a frequency, so that payment for toll gates, parking machines, elevators, etc. is possible, and there is no battery consumption. In addition, payment can be canceled immediately through the payment cancellation manager, and the payment cancellation manager can be executed immediately online. In addition, there is no need to use a card reader, and payment is possible only with biometric authentication without a smart device.

In addition, in this embodiment, all other functions such as RF, RFID, USN, IR, and IC are combined, and interlocking, linking with RF (unique number) information and personal information (PIN number, phone number, etc.), It acts as a bridge that can be matched.

In particular, it can receive and transmit in all frequency bands such as KHz, MHz, and GHz, and various modulation methods (CDMA, FM, AM, etc.) can be used by using various modulation methods (cell phone frequency, radio frequency, etc.). In addition, if the relay station is connected to a general wired telephone network using TRS (Trunked Radio System, common frequency communication), it can be applied as a mobile phone, and other mobile phones (011,016,019, etc.) using identification number (0130) as well as landline telephones. It can provide a service that can also be connected to.

In addition, it is possible to use and apply an intermediate frequency (IF).

In addition, personal information may be deleted (volatile) after matching the non-server storage method, identity authentication, and biometric information through a method of obtaining real-time information from a smart device or an external device connected to the smart device, the cloud, etc., and only when matching Can be activated.

In addition, after authentication of a smart device or an integrated/personal server or external device and cloud, the corresponding information is destroyed, and the biometric information is directly matched or biometric information is converted to a block chain or one-time hash value including random numbers, PIN numbers, numbers, special characters Comprehensive information from combinations can be matched.

In addition, personal information stored in smart devices and servers can be encrypted. At this time, when the original information is re-registered, changed, or deleted, a specific key value may be added, changed, or deleted as the data value of the personal information. Accordingly, it is possible to solve the original problem that occurs when the original data information is stolen (data values added, changed, or deleted are randomly reflected in key values excluding existing data values through an algorithm).

In addition, an electronic access list may be created and managed through matching of an RF unique number and personal information (living information).

In addition, RF umbrella systems (public institutions, authorized institutions, companies, etc.) in the field of accidents (lost children, disappearances, etc.) and crimes (kidnapping, jailbreak, desertion, etc.) occurring in vulnerable groups such as lost children and the elderly It is possible to obtain accurate location and data by operating (transmitting and transmitting a huge umbrella-shaped frequency capable of reading), thereby preventing crimes and accidents and enabling quick rescue.

What has been described above is only one embodiment for implementing an artificial intelligence-based non-face-to-face management and control system using RF self authentication according to the present invention, and the present invention is not limited to the above embodiment, and the following claims As claimed in the scope, without departing from the gist of the present invention, anyone of ordinary skill in the field to which the present invention belongs will have the technical spirit of the present invention to the extent that various modifications can be implemented.

1000: Non-face-to-face management and control system based on artificial intelligence using RF self authentication
100: consumer electronic wallet
110: RF unique information storage management unit
120: Identity authentication information storage management unit
130: payment method information storage management unit
140: payment request unit
150: payment approval details confirmation unit
160: biometric authentication information generation management unit
200: merchant payment processing unit
210: order product information generation unit
220: approval request unit
230: Approval processing information provider
240: Consumer market analysis information verification unit
250: receipt issuance management department
300: integrated management server unit
310: approval information transmitting and receiving unit
320: personal authentication processing unit
330: payment processing unit
340: Consumer market information analysis department
10: consumer smart devices
20: Merchant Smart Device
30: RF reader
40: financial settlement system
50: printing output device

Claims (9)

Payment request information that is installed on the consumer smart device, includes RF unique information previously stored at the time of order product payment, and optionally includes personal authentication information and payment method information previously stored or input through the consumer smart device, through RF communication. Consumer electronic wallet unit for transmitting to the seller smart device;
It is installed on the seller's smart device, generates order product information when paying for order products, and includes one of identity authentication, payment, or payment cancellation based on the order product information and the payment request information received through RF communication. A seller payment processing unit that transmits approval request information to the outside and receives approval processing information from the outside; And
Receiving the approval request information, processing the identity authentication according to the payment request information, and when the identity authentication is completed, interlock with the financial settlement system to proceed with the payment or payment cancellation processing procedure according to the approval request information to obtain the approval processing information. Including an integrated management server for transmitting to the merchant payment processing unit,
The consumer electronic wallet unit,
A personal authentication information storage management unit receiving at least one of the consumer's biometric authentication information and personal identification information, storing and managing it, and registering it with the integrated management server unit;
A payment means information storage management unit for registering the payment means information in the integrated management server unit and storing and managing the payment means information in the consumer smart device; And
When paying for an order product, in the case of a server storage method, payment request information including the RF-specific information is generated, and in the case of a non-server storage method, payment request information including the RF-specific information, the biometric authentication information, and the payment method information is generated. And a payment request unit for generating and transmitting to the seller smart device through RF communication of the consumer smart device,
The integrated management server unit,
An approval information transceiving unit for receiving the approval request information from the seller payment processing unit and transmitting the approval processing information or non-approval processing information to the seller payment processing unit; And
In the case of the server storage method, among the previously stored RF unique information, it searches for the identity authentication information that matches the RF unique information that is the same as the RF unique information included in the approval request information, and the found identity authentication information, the RF included in the approval request information. Personal authentication process is performed by comparing with other personal authentication information matched with the unique information, and in the case of the non-server method, the authentication information matching the same RF unique information as the RF unique information included in the approval request information is approved. A non-face-to-face management and control system based on artificial intelligence using RF identity, characterized in that it comprises a self-authentication processing unit that compares the biometric authentication information included in the request information with the identity authentication process.
The method of claim 1,
The consumer electronic wallet unit,
An RF-specific information storage management unit for receiving and storing and managing the RF-specific information from the integrated management server unit; And
In the case of the non-server storage method, the biometric information of at least one of face, iris, retina, fingerprint, blood vessel pattern, vein, and voice is input from the consumer and the biometric authentication information is generated and transmitted to the payment request unit, or in the case of the server method A non-face-to-face management and control system based on artificial intelligence using RF identity, further comprising a biometric authentication information generation management unit that stores the generated biometric authentication information in an identity authentication information storage management unit.
The method of claim 1,
The consumer electronic wallet unit,
A payment approval details verification unit receiving the approval processing information from the integrated management server unit, generating payment approval details based on the received approval processing information, and providing the generated payment approval details to be inquired by preset category Artificial intelligence-based non-face-to-face management and control system using RF self authentication, characterized in that it further comprises.
The method of claim 1,
The seller payment processing unit,
An order product information generation unit that provides product information to be orderable, and generates the order product information including at least one of product identification information, product price information, and product discount information for the order product when ordering products;
Receiving the payment request information through RF communication, including the received payment request information and the order product information generated through the order product information generation unit, and the approval according to either self-authentication, payment, or payment cancellation An approval request unit for transmitting request information to the integrated management server unit; And
An artificial intelligence-based non-face-to-face management and control system using RF self-authentication, comprising: an approval processing information providing unit that receives the approval processing information from the integrated management server unit and outputs it through the seller smart device.
The method of claim 4,
The seller payment processing unit,
Consumption market analysis receiving consumption market analysis information including at least one of sales and sales statistics information for each product, affiliate store operation strategy information, sales and sales calculation information, and recommended product configuration information based on the approval request information from the integrated management server unit Artificial intelligence-based non-face-to-face management and control system using RF self authentication, characterized in that it further comprises an information verification unit.
The method of claim 4,
The approval request unit,
An artificial intelligence-based non-face-to-face management and control system using RF identity, characterized in that when receiving the approval processing information from the integrated management server unit, the identity authentication information and the payment method information are deleted.
The method of claim 4,
The seller payment processing unit,
Non-face-to-face artificial intelligence based artificial intelligence using RF self-authentication, characterized in that it further comprises a receipt issuance management unit for outputting the approval processing information as a receipt through the printing output device by being connected to a print output device through the seller smart device Management and control system.
The method of claim 1,
The integrated management server unit,
In the case of server storage in connection with the financial settlement system when authenticating according to the identity verification procedure, payment processing or payment cancellation processing procedure is performed using payment method information matched with the RF unique information, and in the case of non-server method A payment processing unit that performs a payment process or a payment cancellation process using the payment method information included in the approval request information, and further comprises a payment processing unit for generating the approval processing information or the non-approval information according to the processing result. Non-face-to-face management and control system based on artificial intelligence using RF self-authentication.
The method of claim 1,
The integrated management server unit,
Based on an artificial intelligence algorithm, through the analysis of the approval request information, the seller pays by generating consumption market analysis information including at least one of sales statistics information for each product, affiliate store operation strategy information, sales and sales calculation information, and recommended product configuration information A non-face-to-face management and control system based on artificial intelligence using RF self authentication, characterized in that it further comprises a consumer market information analysis unit provided to the processing unit.

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