KR20080059346A - Personal identity and settlement system for service using rfid and method for operating the same - Google Patents

Abstract

A system and a method for authenticating and paying for a service object with RFID(Radio Frequency IDentification) are provided to authenticate legality of the service object and perform payment for a provided service when the service is provided to the service object attached with an RFID tag, which includes a non-duplicable unique number. An RFID tag(112) is attached to a service object, and stores a unique number capable of recognizing the service object and being decoded by a private key. An antenna or a memory of the RFID tag is broken automatically when the RFID tag is removed from the service object. An authentication/payment card(114) encodes/stores service receiver information and private key information of the RFID tag. An authentication/payment terminal(310) processes authentication/payment by reading encoded information from the RFID tag, obtaining the private key information from the authentication/payment card, and restoring the unique number of the RFID tag based on the unique number decoded by the private key. An authentication/payment server(320) recognizes a service receiver(100) and determines credit payment by using the decoded information when the authentication/payment terminal restores the information for the service object.

Description

Personal identity and settlement system for service using RFID and method for operating the same}

1 is a block diagram of an authentication and payment system using RFID according to an embodiment of the present invention.

Figure 2 is a block diagram showing in detail a part of the configuration of the authentication and payment system according to an embodiment of the present invention.

3 is a block diagram of an RFID tag according to an embodiment of the present invention.

4 illustrates an authentication procedure of an authentication and payment system using RFID according to an embodiment of the present invention.

5 illustrates various payment procedures of an authentication and payment system using RFID according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

100: service recipient 112: RFID tag

114: authentication / payment card 200: service provider

210: service supply 220: service gauge

300: authentication / payment network 310: authentication / payment terminal

320: authentication / payment server 322: information database

The present invention relates to an authentication and payment system and a method of authentication and payment using radio frequency identification (RFID), which is a contactless wireless recognition technology, and more particularly, to a service object with an RFID tag embedded with a unique number that cannot be duplicated. The present invention relates to a system and a method for authenticating the legitimacy of a service object and performing a payment for the provided service.

In the purchase and settlement of general goods and services, the purchaser pays the above amount by direct cash payment, purchaser authentication such as credit card, debit card or debit card and authentication of buyer account / card. There is a payment. However, in the case of a specific service, it is not sufficient to authenticate only payment for a purchase price, and there may be a case where authentication of an object to which the service and the supplied object are to be used together must be linked.

A representative example is the oil price subsidy system, which has been implemented by the government since 2001. Since 2000, the oil price subsidy system is a logistics / distributor, carrier, or freighter who consumes a lot of oil due to rising domestic oil prices. This system was implemented to relieve the burden of the public.

However, the construction of supporting documents for receiving oil subsidies using the oil price subsidy system and certification of whether fueling of actual operating vehicles is carried out is simply done by manual labor, which is not a subsidized vehicle. There is a growing number of illegal behaviors in which subsidies are received on the basis of proofs paid for documents and bills paid for other purposes.

Another example is the logistics support system provided by the country / government. In Korea, tax-free oil is provided to farmers, while in other countries, the government pays the fuel to the people. There is no system to prevent the use of other systems, and there is a demand for a system that ensures transparency of authentication and payment for proper operation of the system.

The present invention has been proposed to solve the above problems, when providing a specific service for a service object with an RFID tag embedded with a unique number that can not be duplicated, to authenticate the legitimacy of the service object, the provided service It is an object of the present invention to provide a safer and more convenient system and method for performing a payment.

In addition, it is not limited to a fuel subsidy payment system such as an example of the present invention, and the authentication of the service acceptance / consumption object and the authentication of the payment subject for the business model that can be linked to the authentication and payment of various service objects. By linking inseparably, it is possible to transparently provide legitimate services, accept and settle legitimate services, and prevent illegal illegal exploitation by unfairly exploiting a specific service against its original purpose.

In order to achieve the above object, the present invention, in the service object authentication and payment system using RFID, the unique number attached to the service object to identify the service object in encrypted form with a secret key that can be decrypted in the future The recorded RFID tag, the authentication information of the service recipient and the secret key information of the RFID tag are stored encrypted, and the encrypted information is read from the RFID tag, and the encrypted information is read from the authentication / payment card. Obtaining the secret key information that can decrypt the information, and restores the unique number of the RFID tag to the authentication / payment terminal to handle the actual authentication and payment, and if the authentication / payment terminal restores information about the service object, An authentication / payment server for determining service recipient recognition and credit settlement using the above information; .

In another aspect, the present invention, in the authentication method of the service object authentication and payment system using RFID, recognizing the service object equipped with the RFID tag through the authentication / payment terminal, and the authentication / payment using the authentication / payment terminal Recognizing card data, using the recognized RFID tag data and the card data, restoring the unique number of the RFID tag, and transmitting the unique number to the authentication / payment server to verify whether or not a suitable service object is provided. And determining that a suitable service object is determined based on the authentication result, and supplying the service to the service object, and outputting the information related to the service in the form of a slip.

In addition, the present invention, in the payment method of the service object authentication and payment system using RFID, when the service object equipped with the RFID tag is recognized through the authentication / payment terminal, if the appropriate service target is authenticated, payment for the corresponding service Selecting a payment type; and, if the payment type is a card, checking and making payment by interworking with an external financial service network through an authentication / payment terminal, and setting the payment type in cash or monthly settlement date. In the case of interworking with an external management server, checking and settlement of transaction details and creditworthiness, and outputting a transaction slip through an authentication / payment terminal, and transmitting authentication and processing result data to an authentication / payment server.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. In the following description of the reference numerals to the components of the drawings it should be noted that the same reference numerals as possible even if displayed on different drawings.

1 is a block diagram of an authentication and payment system using RFID according to an embodiment of the present invention.

Referring to FIG. 1, the authentication and payment system using the RFID of the present invention generally includes a service provider 200 that provides a service for selling and supplying goods, and a service recipient 100 who purchases such goods. An activity for paying or authenticating goods and services is performed between the two, and in order to securely handle such an act, an authentication / payment network 300 for authentication and payment is configured.

The present invention allows the service provider 200 to legally supply the supply goods to the service receiving device 120 of the service recipient 100 in this triangular relationship, and to authenticate and reliably and securely process the authentication and payment procedures therefor. Provide a payment system.

In the authentication / payment system, first, when the authentication / payment terminal 310 of the authentication / payment network 300 recognizes the service receiving device 120 of the service recipient 100, the authentication / payment server 320 is legally authorized through the authentication / payment server 320. Check if it is a service object (authentication). When authenticating the legality, there is a need to supply an appropriate amount of service requested by the service recipient 100, and a separate service gauge (e.g., installed or controlled in the service provider 210 in order to closely connect the payment) 220 (for example, a gas station of a gas station).

When the correct service is supplied to the service object using the service gauge 220, the result value is notified to the authentication / payment terminal 310 again, and the authentication / payment terminal 310 is provided with the authentication / payment tool 110. Recognize and access the authentication / payment server 320 and performs the payment procedure to complete the corresponding service.

Figure 2 is a block diagram showing in detail a part of the configuration of the authentication and payment system according to an embodiment of the present invention.

Referring to Figure 2, the configuration of the system for performing authentication and payment of the present invention is largely the RFID tag 112 attached to the service supply object and the authentication / payment card 114 for authentication and payment purposes presented by the service recipient, The service receiver is recognized using the authentication / payment terminal 310 which recognizes them, obtains information through communication with them, and processes the actual authentication and payment, and the service receiver information transmitted through the authentication / payment terminal 310. And an authentication / payment server 320 for determining whether to pay by credit.

The RFID tag 112 is mounted on a service object and is composed of a basic data area of 16 bits or more and a unique data area as shown in FIG. 3. The basic data area is a company unique number | Machine Number / UID | It is composed of a reference number area and the unique data area may store the unique ID value of the service object and additional information about the service object.

The RFID tag 112 is implemented as a standard technology of the RFID tag, but once mounted on a service object, the antenna or memory is automatically damaged when detached and attached so that it cannot be used by attaching to an object of another use and issuing a tag. The unique number recorded can be uniquely distinguished from the object, and is characterized by being treated as special encrypted data in order to disable the copying operation.

The authentication / payment card 114 stores information of a service recipient and secret key information of an RFID tag. The authentication / payment card 114 uses an IC card, such as a magnetic stripe (MS-Magnetic Stripe Card) or a smart card used in the form of a general credit card or check card, RF- which is a dedicated card for the service of the present invention IC cards can also be used. The RF-IC card is a service-oriented dedicated card of the present invention, which is equipped with an IC-based self computing module such as a smart card, and has a secret-master-key capable of decrypting the encryption data of the tag when the tag is issued. This is a card.

The authentication / payment server 320 analyzes the data of the service recipient received from the authentication / payment terminal 310 to determine whether the user is a legitimate user, and in the case of a credit transaction, determines whether to approve the credit settlement. When the approval is determined, the determined result is transmitted to the authentication / payment terminal 310, the contents are stored in the information database 322, and the payment details and the amount are transmitted to a separately connected financial institution server.

The information database 322 has a corresponding service target list which is separately registered, and includes a function that is connected to a database of a national agency information network which is constructed by the server itself or in which the information of the service recipient is stored. When using the database of the national institution, it is possible to fundamentally prevent the use by forgery / forgery of the identity of the service recipient.

The authentication / payment terminal 310 is a device that can accommodate both the authentication / payment card 114 and the RFID tag 112. The card / tag is mutually coupled according to the authentication and payment processing procedures according to the present invention. Configured to perform the authentication procedure. The authentication / payment terminal 310 transmits the information read from the RFID tag 112 and the authentication / payment card 114 to the authentication / payment server 320 in a wired or wireless manner to recognize the service recipient and to settle the credit. An approval request is made, and approval is received from the authentication / payment server 320 to process a payment.

4 illustrates an authentication procedure of an authentication and payment system using RFID according to an embodiment of the present invention. Hereinafter, a description will be given of the oil subsidy payment project implemented by the domestic government as an exemplary embodiment of the authentication and payment system of the present invention.

First, when a vehicle equipped with an RFID tag enters a gas station and makes a request for fueling, the vehicle driver provides a separate authentication / payment card to the gas station. The service station recognizes the RFID tag data mounted on the vehicle by using the authentication / payment terminal owned by the gas station or owned by the gas station (S412) and at the same time recognizes the authentication / payment card provided by the vehicle driver (S414). ).

The method of encrypting and restoring the unique number of the authentication / payment terminal, storing the unique number, etc. is described in detail in 10-2006-0131521 filed by the applicant.

The authentication / payment terminal restores the unique ID value (ID value assigned to the actual vehicle) encrypted and stored in the RFID tag using the recognized card data and the RFID tag data (S416), and authenticates the unique ID value. It transmits to the payment server to authenticate whether the appropriate service supply vehicle (S418).

When the authentication is completed at the authentication / payment server and an appropriate result value is transmitted to the authentication / payment terminal, the service provider transmits the requested fuel flow rate information to the service gauge of the tanker to inject the correct fuel flow amount into the service object, and the service gauge is filled with oil. Upon completion of the service processing completion response message is notified to the authentication / payment terminal (S420).

Subsequently, the authentication / payment terminal synthesizes the processing completion message received from the service gauge, previously obtained card, tag, and vehicle information, and outputs data such as fuel flow rate in a slip form (S422).

5 illustrates various payment procedures of an authentication and payment system using RFID according to an embodiment of the present invention.

First, when a vehicle equipped with an RFID tag enters a gas station (S512), when the authentication procedure and service supply procedure are completed (S514), the authentication / payment terminal receives a payment / payment type (S516).

When the payment type is a card (S518), the authentication / payment terminal checks whether payment is possible by interworking with an external financial service network (S520). The external financial service network may be authenticated by accessing through an authentication / payment server.

In addition, if the payment type is cash or monthly settlement (S518), check the transaction history and the degree of credit in conjunction with the gas station itself or a separate external management server (S522). The external management server may be authenticated by accessing through an authentication / payment server.

When the authentication is completed and the credit settlement is approved (S524), the authentication / payment terminal aggregates the authentication / payment card information, RFID tag information, transaction information, etc. and outputs the slip (S526).

Finally, the authentication and payment processing result data is transmitted to the authentication / payment server, recorded and managed (S528), and can be used as a cumulative slip at the end of the month.

In the above description of the present invention, specific embodiments such as an authentication and payment system for a service object using RFID have been described, but various modifications may be made without departing from the scope of the present invention. Therefore, the scope of the present invention is not to be determined by the embodiments described above, but will be apparent in the claims as well as equivalent scope.

As described above, the present invention, when providing a specific service for a service object with an RFID tag embedded with a non-replicable unique number, authenticates the legitimacy of the service object, and provides a payment for the provided service. Provides a safer and more convenient system and method for performing.

In addition, when used as a subsidies management system, such as the embodiment of the present invention, not only can reduce the excessive management work of the government, but also prevents many abuses, and is effective and convenient for service providers and consumers, and service managers such as the government. You can build an operating system.

Claims (8)

In the service object authentication and payment system using RFID, An RFID tag attached to a service object and recorded in an encrypted form with a secret key for identifying a service object, which can be identified later; An authentication / payment card in which information of a service recipient and secret key information of the RFID tag are encrypted and stored; Authentication / reading the encrypted information from the RFID tag, obtaining secret key information for decrypting the encrypted information from the authentication / payment card, and restoring the unique number of the RFID tag to process actual authentication and payment. A payment terminal; An authentication / payment server, when the authentication / payment terminal restores information on a service object, determining whether to recognize a service recipient and whether or not to make a credit payment using the information; Service object authentication and payment system using RFID consisting of. The method of claim 1, wherein the RFID tag, Once attached to a service object, the service object authentication and payment system using RFID, characterized in that the antenna or memory is automatically damaged when detached and cannot be reused, and special encrypted data is recorded to disable the copying operation. The method of claim 1, wherein the authentication / payment server, The service object authentication and payment system using RFID, characterized in that it has a separate service target list registered separately, or further comprising an information database that receives and stores the transaction history from the authentication / payment terminal. In the authentication method of the service object authentication and payment system using RFID, Recognizing a service object equipped with an RFID tag through an authentication / payment terminal; Recognizing the authentication / payment card data using an authentication / payment terminal; Restoring a unique number of the RFID tag by using the recognized RFID tag data and card data; Transmitting the unique number to an authentication / payment server to authenticate whether or not a suitable service object is provided; Supplying the corresponding service to the service object and outputting the information related to the service in the form of a slip when determining that it is a suitable service object based on the authentication result; Authentication method of the service object authentication and payment system using the RFID consisting of. The method of claim 4, wherein the providing of the corresponding service to the service object comprises: Authentication method of a service object authentication and payment system using RFID, characterized in that to supply the appropriate amount of the corresponding service using a separate service gauge module. The method of claim 4, wherein the information related to the service includes: Authentication / payment card data, RFID tag data, vehicle information and the service object authentication and payment system authentication method using the RFID, characterized in that it comprises a service supply of the service object. In the payment method of the service object authentication and payment system using RFID, Receiving the RFID tag-mounted service object through the authentication / payment terminal, and if the appropriate service object is authenticated, selecting a payment / payment type for the corresponding service; If the payment type is a card, checking whether payment is possible by interworking with an external financial service network through an authentication / payment terminal; If the payment type is cash or monthly settlement, checking and verifying transaction details and creditworthiness in connection with an external management server; Outputting a transaction slip through the authentication / payment terminal and transmitting the authentication and processing result data to the authentication / payment server; The payment method of the service object authentication and payment system using RFID. The method of claim 7, wherein the outputting the transaction slip, Authentication / payment card data, RFID tag data, payment information, transaction information, etc. The service object authentication and payment system payment method using the RFID, characterized in that the output.

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