Electronic Transaction System for User Authentication and E-Payment Application Based on RFID Smart Card

Abstract

In this digital era, everything various aspects in life needs to be done fast, practical, and reliable. All these demands encourage people to consider adopting technology in life that includes microtransaction. Until this day, most of the microtransactions still carried by using conventional cash transactions. Although some people already use a debit card when as the times progressed, people began to switch to cashless transactions. Another similar system that has been implemented has each different design, but always prioritizes the principle of robustness, scalability, and flexibility. This paper proposes a cashless transaction system for the small-scale organization such as school, college, office, and other organization by designing an RFID terminal device and database server. This system aimed to be more user-friendly and straightforward. The designed system consists of an RFID card as e-money, terminal transaction device, and database server. RFID serves as a unique ID owned by the user to identify themselves to authorize their transactions. The user will be able to make a payment on the terminal device installed in the vendor shop by using the smart card. The device will access the database connected by a local network using wireless communication. The server will receive data from the terminal device that consists of user ID, vendor ID code, transaction type code, and transaction nominal. The results of the connectivity test show that at a distance of 1-6 m TD (Terminal Device) does not experience connection failure and delivery. However, starting at a distance of 7 m, TD indicates a failure of 18% of all experiments. TD can connect when separated from access points at a distance of 10 m but has a low success rate at distances of 9 and 10 m. TD always restarts connections after multiple shipments (5-6 shipments for a distance of 9 m, and 3-4 shipments at a distance of 10 m). In testing the connection delay, access time at a distance of 1-6 meters is quite stable with a range of 3-4s. The time needed for TD to connect can be said to be quite stable between 3-4 seconds. It will increase when separated from access points at a distance of 6 m even though the success rate remains stable up to a distance of 8m. For the next development, it is planned to use a single board computer hardware.