KR20030016336A - Money settlement of accounts and personal recognition system using rfid skill and method therof - Google Patents

Abstract

PURPOSE: A system for a credit payment and an individual recognition using an RFID technique and a method thereof are provided to check an individual recognition by embodying a tag having a copy guard inherent number(ID information) as a medium capable of being carried or possessed by an individual or attached on an article carried or possessed by an individual using an RFID(Radio Frequency IDentification) technique, thereby automatically recognizing an individual inherent recognition number(ID) in the tag of the medium through a reader. CONSTITUTION: A subminiature RFID tag(11) is manufactured for being possessed by an individual conveniently and includes a copy guard individual inherent recognition number therein. An RFID tag reader(12) in a member store reads the individual inherent recognition number of the RFID tag(11) included in a valid scope of a specific frequency, inquires a credit payment or not, and performs a credit payment process. A credit information supply server(13) recognizes an individual and decides a credit payment or not based on credit information with a corresponding financial institution, informs the result to the RFID tag reader(12), and informs payment details to the corresponding financial institution. A financial institution server(14) processes a payment from a payment account of an individual corresponded to the inherent recognition number to a payment account of a member store.

Description

MONEY SETTLEMENT OF ACCOUNTS AND PERSONAL RECOGNITION SYSTEM USING RFID SKILL AND METHOD THEROF}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit settlement and personal identification system and method using radio frequency identification (RFID) technology. TAG is built in a form that can be carried and carried by an individual, and through the ID recognition of the tag, as well as personal identification confirmation, the individual's unique identification number is linked with the individual's bank account information to make various credit settlements. The present invention relates to a credit settlement and personal identification system using RFID technology and a method thereof that can be conveniently used.

That is, the present invention provides a lot of inconveniences of the credit settlement system using a conventional credit card through a medium using RFID technology that can be implemented in a simple, convenient, low risk, low cost as well as individuals. It can contribute to securing national competitiveness by improving personal awareness and credit society, reducing the overall cost of society, and efficiently managing corporate and national human resources by improving and reducing damages caused by loss and duplication. The present invention relates to a credit settlement and personal identification system using RFID technology and a method thereof.

The payment method using a conventional credit card is as follows.

First, when a customer who purchases a product or service at a credit card merchant that deals with a credit card wants to pay for the product or service with a credit card, the credit card merchant recognizes the customer's credit card at the credit card checker. Read information such as your credit card number.

Subsequently, the credit card checker transmits necessary information such as credit card information and payment amount read from the credit card to a VAN (Value Added Network) company that provides a credit information request for payment approval.

The VAN then forwards the authorization request to the credit card company, receives the response to the authorization request, and forwards it to the credit card merchant that requested the authorization.

However, the conventional payment method using a credit card has the following problems.

First, in the process of recognizing a credit card, it is inconvenient to go through an artificial process of recognizing the credit card in a checker.

Second, magnetic tapes and IC chips used in credit cards are easy to copy, and when a loss accident occurs, illegal use cases caused by their copying are very dangerous.

Third, current cards use magnetics, so they can be forged and copied, and data can be lost or destroyed when accessed near magnetic materials.

Fourth, various credit cards are issued from various existing credit card companies, and many individuals receive and use dozens of credit cards, resulting in inconvenience in managing cards, waste of national resources and manpower, and high cost. .

This high expenditure leads directly to high interest rate burden on consumers and high commission rate burden on merchants.

Fifth, merchants have to wait several days to receive payments made by credit cards from financial institutions, so there is an additional interest burden.

Sixth, some use a smart card that can store a large amount of personal credit information, but this is because a large amount of personal credit and financial information stored on the card may be leaked due to duplication or hacking. It can cause enormous damage.

As described above, the conventional payment method using a credit card has various inconveniences and costs, and a risk of an accident.

On the other hand, RFID technology uses a radio frequency, and consists of a reader, a tag with a unique identification number, a computer, or a device capable of processing data, and specific data (ID, etc.) contained in the tag. After reading the data from the reader and converting it into a digital signal and verifying it, normal data is sent to a computer or other controller through a wired or wireless link.

The advantage of this method is that there is no need for direct manipulation such as direct contact to connect the tag or connecting the connection line for direct operation.

The present invention has been proposed in order to solve the above problems, the object of which is to carry or possess a tag or a medium that can be carried and carried by a person with a unique number (ID information) that can not be replicated using RFID technology Implemented as a medium that can be attached to the object, through the reader to automatically recognize the personal identification number (ID) in the tag of the medium to verify the personal recognition, and by linking the personal identification number with the bank account information of the individual To provide credit settlement and personal recognition system and method using RFID technology that can be conveniently used for all credit settlement, such as credit transaction, bank settlement, product purchase settlement, tax settlement, various utility bill settlement, transportation expenses settlement, student settlement settlement Is in.

In addition, the object of the present invention is the damage caused by duplication and forgery in case of loss, inconvenience in carrying and using, the inconvenience of management due to the possession of various credit cards and the high cost of credit card company and thereby increase the burden of fee fees of consumers and merchants and RFID technology that solves irrational problems such as high interest payment, realizes ease of use, low cost and interest rate burden, and convenient management by using a single unique identification number integrated into one. The present invention provides a credit settlement and personal recognition system using the same and a method thereof.

In addition, the object of the present invention is to solve the above-mentioned problems that impede the implementation of a better credit society, provide advantages such as ease of use and less interest burden and risk reduction for consumers, and forgeries or replica cards for merchants To reduce the risk of paying the risks and pay the funds immediately after the payment is approved, thereby reducing the interest burden for several days. Credit providers can provide credit services at low cost and more at low cost nationally. The present invention is to provide a credit settlement and personal recognition system and method using RFID technology that can accelerate the implementation of a credit society that people can trust and trade and enable efficient financial settlement and personal management.

1 is a block diagram of a credit settlement and personal identification system using RFID technology according to the present invention,

2 is an operation flowchart showing a credit settlement and personal recognition method using the RFID technology according to the present invention.

<Explanation of symbols for the main parts of the drawings>

11: RFID Tag 12: RFID Tag Reader

13 credit information providing server 14 financial institution server

Credit settlement and personal identification system using the RFID technology of the present invention for achieving the above object, RFID tag that allows an individual to read their unique identification number in the proximity of the reader within the frequency range, and credit Installed at the merchant and specific place where you want to make a payment, it reads a unique identification number (ID information) from the RFID tag and requests approval of credit payment from the credit information providing server through wired or wireless communication, and decides whether to make a credit payment based on the result The RFID tag reader and the credit information related to the ID received from the financial institution with the ID information transmitted from the RFID tag reader and transmit the personal recognition and credit approval to the RFID tag reader. The state makes a final decision on the credit information providing server and credit settlement, It is characterized by consisting of a financial institution server that deposits the sales immediately or after a certain period of time to the payment bank account.

In addition, the credit settlement and personal recognition method using the RFID technology of the present invention, an individual who wants to use personal recognition and credit transactions using an RFID tag, first registers the RFID tag on a credit information providing server, After setting up a payment account linked to a trading account of a related financial institution and approving the usage amount according to the credit, such as a credit transaction, the merchant is equipped with an RFID tag reader. Alternatively, if the RFID tag is located within a frequency effective range of the reader in the merchant and the RFID tag is read within the merchant's effective frequency range, the reader reads the RFID tag's unique identification number and transmits it to the credit information providing server to approve the credit settlement. Providing credit information in accordance with the second step of inquiry and the request for approval of credit settlement of the second step A third step in which the server determines whether to confirm personal identification and credit settlement in connection with a public institution or a corresponding financial institution based on the unique identification number, and transmits the determined result to the reader and the financial institution server of the merchant; A fourth step of performing a payment processing by receiving a credit settlement approval notification from the third-party credit information providing server in a reader; and receiving a notification of not allowing approval of the third payment by the third stage by a reader of a merchant and canceling the payment processing; And a sixth step in which the financial institution server performs the deposit and withdrawal processing of the corresponding account according to the credit settlement and the financial settlement details of the individual received from the credit information providing server of the third step.

Hereinafter, with reference to the accompanying drawings will be described in detail the credit settlement and personal recognition system and method using the RFID technology according to the present invention.

1 is a block diagram of a credit settlement and personal identification system using RFID technology according to the present invention, which is made in a form convenient for a person to carry, and a small RFID tag inserted with a personal identification number that is not duplicated ( 11), the RFID tag reader 12 of the affiliated store that reads the personal identification number of the RFID tag 11 within the effective range of a specific frequency and performs a credit check inquiry and a credit settlement process, and a corresponding financial institution. Determining whether or not the personal recognition and credit settlement based on the credit information of the credit card reader 12 of the merchant and notifies the financial institution of the payment information to the credit information providing server 13 and the unique identification number It consists of a financial institution server 14 for payment processing from the payment account of the individual to the merchant's payment account.

Here, the RFID tag 11 and the RFID tag reader 12 are connected by a wireless communication network, and the RFID tag reader 12 and the credit information providing server 13 are connected to each other through a wired or wireless communication network. The information providing server 13 and the financial institution server 14 are connected to each other via a wired communication network.

In more detail, the RFID tag 11 may be made in various media forms such as a card, a wallet, a mobile phone, a key ring, a neckband, a watch, a bracelet, etc., so that a consumer can always carry it. In addition, the RFID tag reader 12 may read the RFID tag reader 12 in a wireless manner.

In the initial stage, an ID is registered as a personal identification number on the credit information providing server 13, and a personal identification number is used for future credit settlement, various financial settlement, and identity verification procedures. If the RFID tag 11 is lost or damaged, the credit information providing server 13 is immediately notified to take a stop action to prevent illegal use.

As described above, the RFID tag 11 is an ultra-miniature micro tag that can be embedded in personal belongings of various shapes and sizes, that is, a mobile phone, a card, a watch, a key ring, a wallet, etc., so that an individual can carry and carry it easily and conveniently. TAG) and RFID technology, which can be recognized at a certain distance rather than contact type, using wireless recognition technology for personal recognition, making it impossible to copy and forge, and can be easily disabled in case of loss or suspension. .

The RFID tag reader 12 transmits a personal identification number (ID information) read from the RFID tag 11 within a specific frequency effective range to the credit information providing server 13 by wire or wireless communication to recognize the personal information. Confirmation and request for approval of credit settlement, and receives the approval from the credit information providing server 13 to process the payment.

The credit information providing server 13 analyzes personal identification and credit related information of the personal identification number registered by the RFID tag 11 from financial institutions and public institutions to determine whether to approve the credit settlement, and determine the result of the determination. The RFID tag reader 12 is transmitted, and the financial institution server 14 transmits payment details and amounts.

The financial institution server 14 transmits the credit information of the person corresponding to the personal identification number to the credit information providing server 13, deposits a payment from the corresponding payment account to the merchant's payment account or performs various payment processing. do.

Next, the operation of the credit settlement and personal recognition system using the RFID technology according to the present invention configured as described above will be described with reference to FIG.

First, in the first step (S1), if the individual who wants to use personal recognition and credit transaction using the RFID tag 11 is provided with the RFID tag 11 in a form of a medium that he / she is comfortable with, the credit information is provided. Register with the server 13 to establish a payment account linked to the identity verification and trading account of the financial institution associated with the person, and approve the details of usage, payment terms, interest rate, transfer time, password setting, etc. according to the credit rating from the financial institution After undergoing a series of processes for credit, such as receiving, the RFID tag 11 can be used at a merchant or a specific place where the RFID tag reader 12 is installed.

Next, in the second step S2, when the RFID tag 11 is brought close to a specific frequency effective range of the RFID tag reader 12 in the merchant that the individual trades, the RFID tag reader 12 of the RFID tag 11 Reads a personal identification number (ID number), and transmits the credit or financial transaction details such as transaction amount and payment terms to the credit information providing server 13 together with the read ID number to approve credit or financial settlement. Look up.

Subsequently, in the third step S3, the credit information providing server 13 associates the payment data received from the RFID tag reader 12 in the affiliated store with the corresponding public institution or financial institution and the ID number of the RFID tag 11 and the individual. After confirming whether the identification number and credit settlement are approved by checking whether the registration number matches, the determined result is provided to the RFID tag reader 12 and the financial institution server 14 in the merchant.

Next, in the fourth step S4, if the result of the third step S3 is a credit settlement approval notification of the credit information providing server 14, the merchant's RFID tag reader 12 performs the payment processing according to the result. In the fifth step (S5), if the result of the third step (S3) is not approved for credit settlement of the credit information providing server 14, the merchant's RFID tag reader 12 performs a payment process according to this result. Cancel.

Subsequently, in the sixth step S6, when the financial institution server 14 receives the credit settlement approval notification in the third step S3, the financial institution server 14 according to the individual's credit settlement and financial settlement details received from the credit information providing server 13. Perform deposit or withdrawal or loan processing of the account.

As described above, the present invention reduces the use of conventional and expensive and expensive credit cards, and instead of being limited to credit cards, a variety of media, that is, a simple and low cost RFID-embedded mobile phone, You can make credit and financial payments (securities, banks, insurance, loans, etc.) by using one medium that you prefer, such as watches, cards, key chains, wallets, etc. It can be effectively used for management.

By attaching a unique number that can not be duplicated on various media that are always carried by individuals, anyone can easily utilize the financial settlement system and personal recognition system in daily life, thereby improving convenience of life.

In addition, each individual can be easily integrated by eliminating many problems such as management inconvenience, loss fear, and duplication that occur because an individual must possess several credit cards, transportation cards, access cards, and identity cards. By using all of the above payment systems and personal identification systems using only one media with unique identification number, it brings about the effect of reducing the overall cost of society, greatly improving the convenience of users, and making it impossible to duplicate. Since the unique number is assigned to the RFID, the individual's credit becomes more reliable, thereby accelerating the leap as a full-fledged credit society.

Conventional credit cards and cash cards are inconvenient to read by contacting the part where magnetic tape is attached to the corresponding checker or checker, but RFID tag can be read wirelessly without contact if it is within a certain frequency effective range. The built-in data (ID number) can be damaged, forged or duplicated, so it is safe.

In some cases, smart cards are used to make up for the shortcomings of conventional credit cards. However, there is a greater risk of accidents. Smart cards can store large amounts of information, so they contain a lot of personal information as well as financial information. Therefore, if a third party decrypts this information illegally and uses it illegally, it may cause a serious damage to the individual. However, the RFID tag of the present invention has only a simple unique number and other personal information or financial information is stored in a credit information server. Because financial institutions manage it, there is no risk of such accidents.

In addition, the credit settlement system using the RFID technology of the present invention improves the high-cost systems of credit card companies and financial institutions can be operated at a low cost, thereby reducing the interest rate for individuals, and the commission rate and financial costs for merchants. The credit card companies and financial institutions have the effect of enabling credit settlement services at low cost.

In the case of conventional credit cards, each bank and card company allows one person to register several cards each with almost unlimited number of credit cards, so that one person owns dozens of credit cards, thereby stimulating consumption and increasing credit. It is becoming a big problem socially and nationally by mass producing bad people. If you integrate this and make credit transaction using RFID tag with one unique identification number, you can effectively manage usage and credit according to individual credit rating. In addition, it provides the individual with the conditions to make credit transactions in accordance with his / her ability. Therefore, it can help to reduce the excessive consumption and reduce the bad credit, and to spread the credit transaction by improving the stability and convenience. This has the effect of speeding up implementation.

Claims (4)

An RFID tag that has a built-in identification number of an individual that cannot be duplicated and operates so that the unique identification number is wirelessly read when it falls within a specific frequency range, When the RFID tag is generated within the effective range of this specific frequency by generating a specific frequency, the credit or financial settlement is approved by reading the unique identification number of the RFID tag and transmitting it by wire or wirelessly with the credit transaction history or various financial transaction history. An RFID tag reader for inquiring whether to check whether the payment is made or for personal identification according to the inquiry result; The identification number transmitted from the RFID tag reader is determined in association with a financial institution and a public institution to determine whether personal recognition and credit settlement or financial settlement is approved, and the determined result is transmitted to the RFID tag reader. The credit information providing server that notifies the payment request details, Provides the credit information or financial information of the individual corresponding to the unique identification number to the credit information providing server, and processes the payment request details of the individual corresponding to the unique identification number received from the credit information providing server to the corresponding payment account. Credit settlement and personal recognition system using radio frequency recognition technology, characterized in that composed of institution server. The method of claim 1, Credit and personal identification system using radio frequency recognition technology, characterized in that the RFID tag is implemented in a variety of shapes and sizes that can be carried and carried by the individual. The method of claim 1, Credit and personal identification system using radio frequency recognition technology characterized in that the RFID tag is implemented to be attached directly to the object that can be carried and carried by the individual. The individual who wants to use personal identification and credit transaction using RFID tag registers the unique identification number embedded in RFID tag in the credit information providing server and goes through a series of processes for identity verification, payment account setting, and credit transaction. A first step of enabling the RFID tag to be used in a place where an RFID tag reader is installed, After performing the first step, when the RFID tag is approached within a specific frequency effective range generated by the RFID tag reader, the RFID tag reader reads a unique identification number of the RFID tag, along with credit history or various financial transaction details. A second step of inquiring whether personal recognition is confirmed and credit settlement or financial settlement approval is transmitted to the credit information providing server; The credit information providing server determines the personal identification confirmation and credit settlement or financial settlement approval by linking the unique identification number transmitted in the second step with the financial institution and public institution, and transmits the determined result to the RFID tag reader. The third step, As a result of the determination in the third step, when the identification or credit settlement of the corresponding unique identification number is approved, the credit information providing server transmits the credit settlement approval information to the RFID tag reader so that the RFID tag reader performs personal recognition and credit settlement processing. To perform the fourth step, As a result of the determination in the third step, if the identity or credit settlement of the corresponding unique identification number cannot be approved, the credit information providing server transmits the non-credit payment approval information to the RFID tag reader so that the RFID tag reader recognizes and recognizes the credit. The fifth step of canceling the payment process; As a result of the determination in the third step, when the identity or credit settlement of the corresponding unique identification number is approved, the credit information providing server transmits the payment request details to the financial institution server, and the financial institution server makes the corresponding payment according to the payment request details. Credit settlement and personal recognition method using a radio frequency recognition technology, characterized in that the sixth step of processing the credit or financial settlement to the account.