MIO (Multi-In-One) Card System Relieving all from the hassles of multiple cards with a Single Card

based on

RFID and Biometrics

Balamurali.P

Department Of Electronics and Communication Engineering Sri Sairam Institute of Technology

Chennai, India balaecetech23@gmail.com

Abstract—This Paper deals with the concept of using a single

access card for replacing all the cards one would have and use in

his day to day life. The proposed system uses RFID card and

Finger Print of the card holder for identification and validation

respectively. Thus making every citizen’s wallet to get reduced to

a single card. By using this card transactions can be done by

virtual money instead of physical money which also provides an

added advantage of reducing corruption in our nation, Also helps

us to reduce manual process carried in Government

organizations and banks by automating most of the process.

Index Terms— e-money card, RFID wallet, Advanced unique

identification access card, AP card, Multicard, Multipurpose

card, All purpose card

I. INTRODUCTION

An average Indian citizen uses multiple cards for various

purposes starting with the voter id, multiple debit cards,

multiple credit cards, driving license, PAN card, ration card,

Passport, Electricity card etc., The idea of integrating most of

them into a single card was put fort many times before but

could not cover most of them. This paper proposes the idea of

integrating all most of the card we use into a single RFID card

based system aided with biometrics for validation and internet

for connecting every government organization in the nook and

corners of the county. Thus reducing usage of physical money

reducing the corruption also saves millions of people from

standing in long queues for tax payments cause of the semi

automated not highly efficient system.

II. WHAT IS RFID-MIO CARD?

Radio-frequency identification (RFID) is the wireless non-

contact use of radio-frequency electromagnetic fields to

transfer data, RFID-MIO cards are passive RFID cards which

are used for the purposes of automatically identifying persons

in this proposed concept. The user can use this card for every

other card such as passport, debit card, credit card, driving

licence, voter id, PAN card, etc., The identity of the user is

validated with the help of his fingerprint and the requested

details can be obtained from the main server of the system. The

system is designed in such a way that not the complete details

of the user can be accessed only the allowed data can be

accessed by a particular reading module. For example an user’s

card while validated from a bank can get the details of his bank

transactions while the same card when accessed from a

Passport office or Airport shows details of his past travels, his

current travel details and other details required in a passport

office.

III. IMPLEMENTATION OF THE SYSTEM

The system considering the advantages the system can be

implemented can be easily adopted by means of lesser efforts,

This system comprises of a Central Data Server named as

Unified Citizen Data Resource (henceforth called as

UCDR),where a citizen's complete database is linked to his

card's unique code. The access to this database is only provided

after the validation of the citizen by using his fingerprint. now

to switch over to the proposed system effectively we need the

UCDR to filled with large volumes of valid data, that can be

done simply by making every citizen of our nation to submit

their Passport, License, Ration card, Voter Id, PAN card, etc.,

to their respective issuing authority and a unique data ID

numbers (UDINs) can be generated by each authority is issued

by them after the submission. A form is generated for filling

UCDR is made available online and the UDINs obtained from

each government body is collected for their respective data and

these UDINs are stored in UCDR for the respective card

holder. Each and every government organisation and banks

should have their own databanks in their headquarters which

would be working as the Organisation Level Citizen Data

Resource (henceforth called as OCDR) which will decode the

UDINs provided by their organisation and maps UCDR to the

respective region. Every government organisation or banks will

be having a regional headquarters and these would be having

the details of the citizen mapped to the UDINs provided by

them these are known as Regional Citizen Data Resource

(henceforth called as RCDR).The local nodes have smaller data

banks which will be instantly updating the changes of their

user’s account details in their RCDR. Thus all details about an

individual will be mapped to the UCDR by this hierarchy.

Node identification records his finger print for The Node is placed in each and every government validation. organization’s branch which comprises of a Reader module The node sends a single Info File comprising of interfaced with a PC. The Reader module consists of an the UCIN of the scanned card and the data RFID card reader which is used to read the UCIN of the obtained from the finger print scanner to the holder from the card coupled with a finger print reader UCDR with UNIN.

IV. DESCRIPTION OF COMPONENTS OF THE SYSTEM

Before getting deep on the working of the system let me

explain about the working of each and every components

hooked in this system. Thus I can give a clear view about the

system’s working later.

A. Card

A RFID card which is given to each and every citizen of

the nation. This card provides details about the holder of the

card by providing the unique citizen ID number (UCIN) of the

holder to the reader.

B.

The UCDR decodes the UNIN which is also sent

from the node, by means of which UCDR sends

query to the particular department’s OCDR

V. WORKING OF THE SYSTEM

The System works on two modes. The Mode of operation is

decided by the node terminal. The Two modes are 1.Data

Acquisition Mode 2.Data Updating Mode

A. Data Acquisition Mode

The card holder provides his RFID card for

which scans the finger print of the card holder. The RFID

card reading system used here will be a near field RFID

system. The Finger Print Reader will be a capacitive finger

print reader which is connected to the PC’s USB port. The

PC will be loaded with special software which will

interface the RFID reader and FPR. Each node has a

respective UNIN (Unique Nodal Indentification Number)

which is also attached with the InfoFile comprising of data

from FPR and UCIN is sent to the UCDR.The Node while

querying for details access UCDR while receiving or

updating data will access RCDR. The Software is designed

in such a way that the node differentiates these two process

and follows separate algorithm for respective process.

Certain nodes do have two RFID card readers thus enabling

transaction between two MIO cards.

C. RCDR

Regional Citizen Data Resource is placed on each

and every government body or banks do have

regional headquarters. This has all the data of a

particular card holder mapped to their respective

UDIN.

Any changes in card holder’s data fed in node get

synchronized with the RCDR instantly through

Internet.

The UCDR searches for the UCIN in its database

and checks whether the finger print matches the

one stored for that respective UCIN.

If Invalid then UCDR signals the node that

Authentication failed. Else UCDR decodes UNIN

which specifies which UDIN has to be accessed,

since many cards are attached to a particular

UCIN a particular UDIN has to be selected based

on the UNIN.

Selected UDIN attached with the info file is then

sent to the particular OCDR based on a special

algorithm which is also provided by the UNIN.

For example the node is a bank terminal then

UNIN specifies it needs respective bank account

details. Thus the respective UDIN along with

UNIN and UCIN is sent to that bank’s ODCR.

The ODCR as said earlier decodes the UDIN and

finds the card holder’s respective RCDR and

passes the Info file to the RCDR.

The RCDR then passes the details of the

respective UDIN to the respective node which is

identified by aid of UNIN.

D. OCDR

Organization level Citizen Data Resource is the highest data bank of an organisation.

They do not have the database comprising of the

card holder’s details, they do have the mapping of

each UDIN provided by them to the card holder’s

respective RCDR.

E. UCDR

Unified Citizen Data Resource is the Central data

bank containing database of UDINs of a particular

card holder mapped to their respective UCIN.

Fig 1. Flow In Query Mode of System

B. Data Updating Mode

This mode is especially used for the purpose of

card to card money transfer, much needed for

virtual money transaction

In this mode two cards will be used. One will be

the source for which UCIN and FPR data is

acquired by the node and only UCIN is obtained

for the destination card to which money is to be

transferred.

The destination card holder provides his RFID

card for identification, the node by default does

not expect a FPR data for the destination card .

Two UCINs, Source Card holder’s FPR data and

UNIN are sent to the UCDR, which as in Data

Acquisition mode validates the source card

chooses the UDIN based on UNIN.

UCDR decodes the OCDR for the two separately

and for source UCIN attaches an additional data to

info file to specify the amount to be deducted.

In this mode after the amount deduction is done

successfully an acknowledgement is send back to

the UCDR.

After getting the acknowledgement UCDR

decodes the UDIN of the destination UCIN,

makes a new info file with UDIN and UCIN with

the acknowledgement received from the RCDR to

the destination OCDR then get routed to the

destination RCDR. The acknowledgement from

source RCDR attached in info file will validate

fund transfer thus incrementing the amount in the

destination card holder’s account.

APPLICATIONS

1. Bill Payments

Electricity Bill,House tax,Telephone Bill,LPG Bill,etc., can be paid by using MIO card

Super markets can get UNIN from the government

to have a node in their venues for bill payments

2. Money Transfer

Virtual money can be transferred from one’s

account to another without physically handling the

money.Thus helps in building a corruption free

nation.

3. Proof of Photo,Address,etc.,

As MIO card replaces every other card card of a

citizen this card also serves an ID proof whether

for address or for photo.The needed data can be

obtained from the UCDR using the card by the

respective nodes

SCOPE FOR FURTHER DEVELOPMENT

The communication is done through Internet in

this proposed paper,Further research can help in

developing a separate network for MIO card

system thereby increasing the security, reliability,

Speed of accession.

Reducing the use of both RDCR and ODCR into a

single server thereby saving networking costs and

reducing the operation time relatively increasing

the accession speed.

ACKNOWLEDGMENT

I thank my family members for their encouragement which

helped me a lot to bring out this paper. I thank

Dr.K.Palanikumar, Principal of Sri Sairam Institute of

Technology for his energetic support helping me to bring out

this paper. I also thank Mrs.G.Thamarai Selvi, HOD,

Department of ECE, Sri Sairam Institute of Technology for the

immense support provided in bringing out this paper. I also

thank Mr. N. Oral Roberts, Assistant Professor, Mrs. R.

Lakshmi Devi, Assistant Professor, Ms. S. Surya, Assistant

Professor, and all other staff members, Dept. Of ECE, Sri

Sairam Institute of Technology for guiding me in the process of

developing this paper. I also thank My Friends for their

constant support in bringing out this paper.

REFERENCES

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[2] Lim,T.S.Fac. of Eng. & Technol., Multimedia Univ., Ayer

Keroh,Malaysia Sim, S.C. ; Mansor, M.M., “RFID based

attendance system Industrial Electronics & Applications, 2009.

ISIEA 2009. IEEE Symposium on (Volume:2 ) 2, pp. 778-782,

October2009