KR20010008371A - A electronic billing system using RF equipment and biometric recognition - Google Patents

Abstract

PURPOSE: An electronic payment system is provided to embed a user information, coded by a combination of keys with a user's biological pattern, in an RF(Radio Frequency) device and decode the user information by a self biological pattern when the user performs an electronic payment on the RF device. CONSTITUTION: An electronic payment system comprises steps of coding user information by using user's characteristic biological data as a coding key(20), generating an identification code for an RF device by the characteristic biological data(22), embedding the coded user information and the identification code in the RF device, supplying the RF device for the user, the user inputting the biological pattern by using a scanner installed in the RF device when the user perform an electronic payment, generating an identification code by using the scanned biological pattern, establishing a communication channel between the RF device and an approved terminal(24), transmitting the decoded user information from the RF device to the terminal(26), decoding the user information by using the scanned biological pattern as a key(27), transmitting the decoded user information to an authority server(29), and receiving an approval message for the payment from the authority server(31).

Description

Electronic billing system using RF equipment and biometric recognition

Existing payment by conventional credit card is troublesome to deal immediately with user or credit card issuer about the risk of card use caused by the loss of credit card and stolen card. In addition, the smart card that complements this has a similar problem, and both the regular credit card and smart card has to take out the card for payment. In addition, the existing RF card is convenient to use in a non-contact manner, and is used in the form of automatically paying a certain amount when approaching within a certain distance from subways and buses. However, when using an RF card as a credit card, it is difficult to authenticate a user other than a signature, such as a conventional credit card, or there is a possibility that an undesired authentication may be performed when the RF card is used within a certain distance. In addition, there is a problem that the consumer has to bear the amount used for the lost credit card if the same loss problem occurs in the existing credit card does not immediately report the lost credit card.

In order to prevent this, there is a device that enters the user's fingerprint on the smart card and checks it against the user's fingerprint input on the terminal, but this is a problem such as credit card duplication by the magnetic reader, which is a problem even in the current state. May occur, so that if a user's fingerprint is stolen or duplicated, socially significant problems may arise, such as the need to supplement the entire card or the entire system.

The present invention is to provide an electronic payment system that can solve the inconvenience of the user to take out the credit card from the wallet each time to pay with the problem of the loss or theft. This problem can be achieved by encrypting and restoring user information using a combination of keys embedded in an authenticated terminal together with data extracted from the features of the user biometric pattern.

1 is a flowchart illustrating a process of issuing an RF device containing encrypted user information of the present invention.

Figure 2a is a block diagram of an electronic payment system using biometrics and personal portable RF device according to a first embodiment of the present invention.

Figure 2b is a flow chart of an electronic payment system using biometrics and personal portable RF device according to a first embodiment of the present invention.

Figure 3a is a block diagram of an electronic payment system using the RF device and biometrics mounted on a vehicle according to a second embodiment of the present invention.

Figure 3b is a flow chart of the electronic payment system using biometrics and the RF device mounted on the vehicle according to the second embodiment of the present invention.

In order to achieve the above technical problems will be described in detail according to an embodiment of the present invention.

1 is a flowchart illustrating a process of issuing an RF device in which encrypted user information of the present invention is included.

Referring to Figure 1 describes the RF device issuing process in detail,

(10) Combining the 128-bit or more digital data generated by extracting the features of the user's biometric pattern from the user information and the user's biometric pattern presented first, and the keys embedded in the authenticated terminal. The information is encrypted. The key embedded in the authenticated terminal is known only inside the password recovery module and should not be made available to the outside. In this case, the encryption algorithm may use a public key RSA, and may select an encryption method that is suitable for an authenticated terminal or is further improved as necessary. (15) The encrypted user information is embedded in the RF device, and the RF device may be various media. For example, a portable device such as a card with a built-in RF module, a mobile phone, a PDA, a watch, an accessory, or a vehicle equipped with an RF device may be the target. (12) In addition, the RF device to be issued is inserted with a key unique to a terminal embedded in an authenticated terminal and the code of the RF device together with the biopattern data. The unique number is used as a means for establishing a communication channel with one RF device selected from among a plurality of RF devices owned by a plurality of neighboring users or various RF devices owned by the user. (16) The RF device in which the user information and the unique number are input is issued to the user.

2A is a block diagram of a personal portable RF device and an electronic payment system using biometrics according to the first embodiment of the present invention.

2B is a flowchart of an electronic payment system using a personal portable RF device and biometrics according to the first embodiment of the present invention.

Referring to Figures 2a, 2b will be described in detail the first embodiment of the present invention,

(20) A user who wants to pay with the RF device first inputs the user's biometric pattern into a scanner installed in an authenticated terminal. The scanner preferably has a biometric function in which a sensor capable of measuring temperature and electrical resistance of a human body is additionally installed, and a scanner in which security means are introduced to prevent a user's fingerprint, etc. from being left in the scanner and duplicated. Electronic payment using biometrics will be fully processed. (21) The process of extracting a feature from the input user biopattern and converting it into data is the same as the process of extracting the feature of the user biopattern for the first time and encrypting user information by the biopattern data. Should be. (22) A unique number of the RF device for establishing a communication channel is generated from the combination of the extracted user biopattern data and the key embedded in the authenticated terminal. (23) At this time, if the user has a plurality of RF devices, the authorized terminal should be pre-designated. For example, if a user has a plurality of registered RF devices such as an RF mobile phone, an RF national visa card, and an RF BC card, a communication channel can be established with the designated device only by specifying the type of the RF device in advance. (24) When a communication channel is established by searching for an RF device having the unique number, (26) encrypted user information from the RF device having the unique number is received by an RF reader installed in an authenticated terminal. (25) The process of establishing the communication channel and receiving the encrypted user information is completed within a few seconds. If the communication channel is not established even after a certain time has elapsed, the user's biopattern input and the RF device type designation are repeated again. Do it. (27) The encrypted user information is restored by the combination of the user biopattern data and the key embedded in the authenticated terminal. (28) Only when the restored user information is normal. (29) The user information is transmitted to the authentication server. (31) The payment is made only when the user is authenticated as possible by the authentication server (32) and the electronic payment system is terminated.

Adding an RF reader and a module to restore the user information encrypted with the biopattern scanner and the user biopattern data to the existing terminal authenticated terminal contacting the user can easily supplement the existing electronic payment system with minimal cost. Furthermore, in order to fully utilize the new RF equipment including security problems, it is possible to authenticate the user information and the user biopattern data once again in the new security-enhanced terminal and authentication server. It would also be desirable to use encrypted packets for communication between authentication servers.

3A is a block diagram of an electronic payment system using biometrics and an RF device mounted on a vehicle according to a second embodiment of the present invention.

3B is a flowchart of an electronic payment system using biometrics and an RF device mounted on a vehicle according to a second embodiment of the present invention.

3A and 3B, the second embodiment of the present invention will be described in detail.

According to the second embodiment of the present invention, as described in the first embodiment, the process of distributing the RF device containing the user information to the user is the same, except that the issued RF device is mounted on the vehicle. Unlike the one used, it has a unique code number that enables direct communication channel setting from an authenticated terminal, and sufficient output and power should be supplied to facilitate communication with the authenticated terminal even in a short distance of several meters or more. In addition, an RF mobile phone or an RF PDA is suitable as a user's RF device because a liquid crystal panel for displaying the contents of the payment after payment is provided.

(40) When a vehicle equipped with an RF device arrives at a place such as a highway toll gate requiring electronic payment, (41) establishes a communication channel with an RF device mounted on a vehicle that passes a designated place from a nearby authorized terminal. (42) If the communication channel with the RF device is normally set (43) to display the amount to be paid to the liquid crystal panel to send a beep to call the user's attention. (44) Also, a separate light blinks on the biopattern scanner to induce the biopattern input. At this time, the user enters the user's biopattern into the scanner to authenticate the user for the amount to be paid. The biopattern scanner may be embedded or combined in a device such as an RF mobile phone or an RF PDA. If the user needs to authenticate in advance, input the biometric pattern of the user with the scanner of the RF device before arriving at the place where the authenticated terminal is installed, encrypt it with a key known to the authenticated terminal, and encrypt the encrypted biopattern for a certain time. By storing it inside the RF device, the electronic payment may be made while passing through the highway toll gate without stopping. At this time, the RF device should be equipped with a method for checking whether or not the user's bio-pattern inputted in advance is valid, and if it is valid, it may emit blue light and if not valid, yellow light may be induced. (46) After transmitting the encrypted biometric pattern along with the encrypted user information of the RF device to the authenticated terminal (47) The biometric pattern of the user encrypted by the authenticated terminal is restored (48) The restored biometric pattern It extracts the feature points of the data and restores the information of the encrypted user with the key embedded in the authenticated terminal. (50) If the restored user information is normal, (51) the user information is transmitted to the authentication server, and (52) the payment is made only when the user is authenticated as authorized by the authentication server. The electronic payment system is terminated. After the electronic payment is made, the result may be displayed on the user's RF device again.

The electronic payment system using the RF device and the biometrics of the present invention has a structure in which encrypted user information of the RF device is restored by the biometric pattern of the recognized user and the key embedded in the authenticated terminal while the user's biometric is made. It is designed to be a secure structure that does not make a payment without using the bio pattern, the authenticated terminal and the RF device at the same time. In addition, by using the RF device, it is possible to easily transmit user information at a suitable short distance, thereby eliminating the inconvenience of the user removing the card each time. The present invention can be applied to existing electronic payment system using credit card, unmanned electronic payment system using automated equipment of bank, electronic payment system using internet, etc. Will be prevented.

Claims (5)

There is a safe and convenient electronic payment system using a portable RF device and biometric pattern, Encrypting user information with a key of characteristic data of the user biopattern; Generating a unique number of the RF device using characteristic data of the user's biometric pattern; Embedding the encrypted user information and the RF device unique number in an RF device and distributing the same to a user; Inputting a biometric pattern into a scanner installed in an authenticated terminal by a user who wants to pay the possession of the RF device; Generating a unique number of a user's RF device using characteristic data of the user's biometric pattern; Establishing a communication channel with the authenticated terminal and the RF device having the unique number; Transmitting encrypted user information from the RF device to the authenticated terminal; Restoring user information encrypted with key data characteristic of the user biometric pattern; Sending the restored user information to the authentication server for user authentication; Payment system using the RF device and biometrics characterized in that the payment is made to the authenticated user. There is a safe and convenient electronic payment system using RF equipment and biometrics mounted on the vehicle, Encrypting user information with a key of characteristic data of the user biopattern; Generating a unique RF device unique number capable of communicating with an authenticated terminal; Embedding the encrypted user information and the RF device unique number in the RF device and mounting the vehicle in a vehicle; Arriving at a payment location and establishing a communication channel between the RF device and an authenticated terminal; Transmitting and displaying a payment amount to an RF device through the communication channel; Inputting a biometric pattern into a scanner coupled to an RF device for payment of the payment amount; Encrypting the biometric pattern with a key known to an authenticated terminal; Transmitting the encrypted biometric pattern and encrypted user information to an authenticated terminal; Restoring the transmitted user biopattern; Restoring user information encrypted with the key characteristic data of the restored biopattern; Sending the restored user information to the authentication server for user authentication; Payment system using the RF device and biometrics characterized in that the payment is made to the authenticated user. The RF device and the biometric of claim 1 or 2, wherein the user information embedded in the RF device is encrypted by a key having a length of 128 bits or more including characteristic data of the user's biometric pattern. Payment system using. The payment system of claim 1 or 2, wherein the biological pattern is any one selected from the group consisting of a fingerprint pattern, a vein pattern on the back of a hand, and a blood vessel pattern on the retina. The encrypted biopattern according to claim 2, wherein the user inputs the biopattern into a scanner associated with the RF device and encrypts the biopattern in advance before the vehicle arrives at the settlement place and receives the payment amount from the authenticated terminal. And transmitting the encrypted user information to the authenticated terminal to complete the payment process in the shortest time.