Near field communication device, authentication system using the same and authentication method thereof

Abstract

A near field communication (NFC) device, an authentication system using the NFC device and an authentication method thereof are provided. The NFC device includes a RFID tag, a loop antenna, a flexible fabric packaging material and an EMI shielding material. The device can be easily adhered to objects including most handsets for mobile phone services. By adopting the authentication system and the authentication method, the device can be paired with a typical mobile phone and used to authenticate the user, thereby enabling mobile payment and mobile banking activities using mobile phones.

What is claimed is: 
     
         1 . A near field communication (NFC) device, comprising:
 a radio frequency identification (RFID) tag, adapted for storing a user identification (ID);   a loop antenna connected to the RFID tag, adapted for sending the user ID to a NFC reader device when the NFC device is near the NFC reader device;   an electromagnetic interference (EMI) shield disposed at a side of the NFC device, adapted for preventing electromagnetic interference and magnetic interference around the side; and   a flexible fabric wrapping material, adapted for completely wrapping the RFID tag, the loop antenna, and the EMI shield.   
     
     
         2 . The NFC device as claimed in  claim 1 , wherein when the NFC device is used in a transaction activity, the NFC device does not record a transaction amount data of the transaction activity. 
     
     
         3 . The NFC device as claimed in  claim 1 , wherein when the NFC device is used in a transaction activity, the NFC device does not calculate a transaction amount data of the transaction activity. 
     
     
         4 . A NFC device, comprising:
 a RFID tag, adapted for storing a user ID;   a loop antenna connected to the RFID tag, adapted for sending the user ID to a NFC reader device when the NFC device is near the NFC reader device;   a flexible fabric wrapping material, adapted for providing an adhesiveness to adhere the NFC device to an outer shell of an electronic device; and   an EMI shield disposed at a side of the NFC device, adapted for preventing electromagnetic interference and magnetic interference emitted internally from the electronic device;   wherein the flexible fabric wrapping material wraps the RFID tag, the loop antenna, and the EMI shield.   
     
     
         5 . An authentication method, comprising:
 obtaining a user ID from a user device at an application terminal, and further sending the user ID and a transaction data to a certification authority center;   performing a user authentication action with the end user, using the user device and over the Internet, in as many interactive multi-factor steps as needed per a required security level for the transaction;   after the certification authority center completes the user authentication action, sending an authentication success message, the user ID, and the transaction data to an application server;   refreshing a transaction record or a service record of an account corresponding to the user ID with the application server, wherein the user device does not record any transaction amount data or service data; and   after the application server refreshes the transaction record or the service record, optionally sending an acknowledgement message to the application terminal and/or the user device.   
     
     
         6 . The authentication method as claimed in  claim 5 , further comprising:
 after the certification authority center completes the user authentication action, sending an identity related data corresponding to the user ID to an application server; and   refreshing a transaction record or a service record of an account corresponding to the user ID with the application server; and   after the application server refreshes the transaction record or the service record, optionally sending an acknowledgement message to the application terminal and/or the user device.