CN103942691A - Method and system for realizing electronic transaction through sound waves - Google Patents
Method and system for realizing electronic transaction through sound waves Download PDFInfo
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- CN103942691A CN103942691A CN201410164750.2A CN201410164750A CN103942691A CN 103942691 A CN103942691 A CN 103942691A CN 201410164750 A CN201410164750 A CN 201410164750A CN 103942691 A CN103942691 A CN 103942691A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention provides a method and system for realizing an electronic transaction through sound waves. The method comprises the steps that a user uses a mobile terminal of the user to log in an App account to select a sound-wave electronic transaction item, the user obtains a sound wave file, and the sound wave file is played; after a sound wave recognition device receives and recognizes information contained in the sound wave file, a transaction terminal device encrypts the information contained in the sound wave file and sends the encrypted information to a bank server; the bank server decrypts the encrypted information, then carries out transaction confirm according to the information contained in the sound wave file, and sends related information of the transaction to the App when the transaction is confirmed to be successful; when the user selects the confirm item, and selects some bank card on an interface, responded by the App, of bank cards which are in the account of the user, are successfully authenticated and bound, the App sends information of the bank card and the sound wave file or the information contained in the sound wave file to the bank server after carrying out encryption, and the transaction is completed after the bank server carries out decryption, and the user inputs a correct bank card password on the transaction terminal device.
Description
Technical field
The present invention relates to electronic transaction field, relate in particular to a kind of method and system of utilizing sound wave to realize electronic transaction.
Background technology
Nowadays, the mode of electronic transaction is more and more abundanter, function is also more and more, the method of the intercommunication of electronic equipment also has a variety of, such as passing through communication network, WiFi, bluetooth, infrared ray etc., but for the transmission of private data information, while particularly relating to electronic transaction etc., in data, transmit the aspects such as security, efficiency, existing equipment transformation and have certain constraint.For this reason, now some enterprises or individual all in research, some are safer, easy, without the technical method to existing electronic equipment transformation.Near-field communication NFC technology (the Near Field Communication rising gradually in recent years, near field communication (NFC)), utilize RFID technology (Radio Frequency IDentification, non-contact radio-frequency technology) data have been realized in close-distance safety wireless transmission, but this technology has a shortcoming, need exactly all built-in relevant hardware chips of sending ending equipment and receiving device, this makes on applying, to have very large difficulty, and can increase corresponding cost.
At present, when people need to deposit, transfer accounts, withdraw the money etc., general operation is to carry bank to snap on automatic teller machine and operate accordingly, but the situation that bank card loss occurs much occurs, and in this process, plug-in card card taking step is essential, sometimes may forget card taking, sometimes can cannot conclude the business because of reader device fault again, run into even sometimes after bank card insertion, the problem of can not getting out, such mode of doing business, operates more loaded down with trivial details, consuming time, and user experiences to be improved.
At present, E-Payment becomes the modes of payments of widespread use in daily life, common E-Payment is to pay on the line based on third party's payment platform, for example Taobao's shopping, Alipay payment etc., but still be mainly reflected in remote payment, and pay in the short range of point of sale, such as supermarket, market shopping etc., mainly or by brush bank card or cash pay, when people do shopping in point of sale for this reason, need to carry one's purse along or bank card, once and forget or lose, be difficult at point-of-sale purchasing commodity, especially when the on-the-spot user that need to pay is more, make to pay in cash, the time of waiting in line to check will be increased greatly, greatly affect consumer's consumption satisfaction.And in the process paying at brush bank card, may be utilized by malicious user or businessman, thereby user's bank card account information is stolen, therefore dangerous in the extreme.
Self-service machine, rise recent years, for making user that the machine of Self-Service is provided, comprise automatic machine, automatic vending machine etc., but the modes of payments that user can use is very limited, mainly still by cash, pay, and use bank card to pay, and there is larger potential safety hazard, safety practice can not put in place again.And while making to pay down, also need to prepare change, although there is the self-service machine with change making function, the cost that this again can corresponding increase self-service machine, and also it is more loaded down with trivial details, consuming time to operate.
Summary of the invention
In order to solve above problems of the prior art, the invention provides a kind of method and system of utilizing sound wave to realize electronic transaction.The problems such as it can solve while using prior art to carry out electronic transaction, and transaction data easily suffers to tackle, steals, distorts, security is low.And utilize sound wave as carrier, can be without increase hardware on existing mobile terminal, and improved the efficiency of electronic transaction.While concluding the business on automatic teller machine, can just can on automatic teller machine, carry out and be equal to the transaction operation of using bank card to conclude the business, and overcome the many loaded down with trivial details problem of using bank card to bring without carrying bank card, improve user's experience.When paying by mails, also can just can realize the payment of required purchase commodity or service without carrying bank card or cash, more convenient, improved the efficiency of payment and user's consumption satisfaction, simultaneously safer.
In order to achieve the above object, the invention provides a kind of method of utilizing sound wave to realize electronic transaction, the method comprises the following steps:
When step 1, user conclude the business, transaction terminal device is opened sound wave recognition device;
When the account of the App application program that step 2, described user login to its mobile terminal are installed selection " sound wave electronic transaction ", described App application program will obtain a wave file, and utilize this wave file of described mobile terminal playing, described wave file to comprise this time identification string of transaction;
Step 3, described sound wave recognition device receive and identify described wave file and identify the information that this wave file comprises, and are sent to bank server after the information encryption that the described wave file identifying is comprised of described transaction terminal device;
After the deciphering of step 4, described bank server, obtain the information that described wave file comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described wave file, if exist, perform step 5, otherwise execution step 6;
Step 5, described bank server is sent to described App application program by the relevant information of this transaction, described App application program is confirmed the content feed of described relevant information to described user's described account for user, when described user selects to confirm the content of this relevant information, described App application program is the bank card interface that completes authentication and binding to described account by response, described in when this user selects a certain bank card in this interface, App application program will extract the card number of this bank card the data message from described bank card, and continue to perform step 7,
Step 6, described bank server notify to described transaction terminal device the result that it is invalid that this is concluded the business with ∕ or described App application program are closed the trade;
After the information encryption that step 7, described App application program comprise the card number of described bank card and described wave file or described wave file, be sent to described bank server;
The information that after step 8, the deciphering of described bank server, the card number of the described bank card of acquisition and described wave file or described wave file comprise, and by this extremely described transaction terminal device of effective result notice of concluding the business, and described transaction terminal device will point out user to input the password of described bank card;
Step 9, on described transaction terminal device, input after described password as described user, described transaction terminal device will be sent to described bank server after the password encryption of this user's input;
Step 10, described bank server utilize bank card account information corresponding to bank card number described in its data base querying, and judge that whether the described password obtaining after deciphering is consistent with the bank card password in described bank card account information, if unanimously realize transaction, otherwise close the trade.
Wherein, described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described sound wave recognition device, and
Described financial service terminal comprises ATM (automatic teller machine), automatic teller machine;
Described electronic settling terminal comprises POS machine, self-service machine and the mobile terminal that described App application program is installed equally.
Wherein, in described step 2, when the account of the App application program that described user's login to its mobile terminal is installed selection " sound wave electronic transaction ", described App application program will obtain a wave file, specifically comprise:
Mode a, described App application program is asked for this time wave file of transaction to described bank server, described bank server will generate this time unique identification string of transaction, and described identification string is become to wave file by specific algorithm coding, and described wave file is sent to described App application program, described App application program will obtain this wave file;
Or
Mode b, described App application program is asked for this time identification string of transaction to described bank server, described bank server will generate unique identification string of this time transaction and send to described App application program, described App application program becomes wave file by described identification string by specific algorithm coding, thereby obtains described wave file.
Wherein, in described step 3, described sound wave recognition device receives and identifies described wave file and identify the information that this wave file comprises, and specifically comprises:
When described sound wave recognition device receives described wave file, position while judging this wave file of described mobile terminal playing and the distance between it whether in the first distance range and sound wave frequency whether within the scope of first frequency, if position when described sound wave recognition device determines this wave file of described mobile terminal playing and the distance between it are in the first distance range and sound wave frequency is within the scope of first frequency, this wave file are decoded and therefrom extract described identification string.
Wherein, in described step 4, after the deciphering of described bank server, obtain the information that described wave file comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described wave file, specifically comprise:
When described App application program is asked for this wave file of concluding the business or this transaction ID string to described bank server, described bank server is saved to its database by the described identification string generating, when described transaction terminal device sends to described bank server the information that described wave file comprises, the consistent described identification string of described identification string whether described bank server utilizes its data base querying to exist to comprise with described wave file, if exist this time transaction for effectively, if do not exist this time transaction for invalid.
Wherein, in described step 5, described bank server is sent to described App application program by the relevant information of this transaction, specifically comprises:
If described transaction terminal device is described financial service terminal, and when this time transaction is effective, described bank server will send the information of " whether confirming to conclude the business on XXX automatic teller machine " to described App application program, described relevant information comprises this content;
If described transaction terminal device is described electronic settling terminal, and when this time transaction is effective, described bank server will be asked for this time consumption order of transaction to described transaction terminal device, described transaction terminal device will send to described bank server according to the commodity of described user's purchase or the described consumption order of service creation, and described bank server is sent to described App application program, the content that described relevant information comprises this consumption order by the described consumption order obtaining.
Wherein, in described step 5, when described user selects to confirm the content of described relevant information, described App application program is the bank card interface that completes authentication and binding to described account by response, also comprises before this:
Described user's login to the described account of described App application program completes the binding authentication to described bank card, and described account can be bound multiple bank cards.
Wherein, when described transaction terminal device is described electronic settling terminal, described step 8-10 also can be carried out by the following method:
Described bank server is when deciphering obtains the information that the card number of described bank card and described wave file or described wave file comprise afterwards, judge whether the amount of money that described consumption order need pay does not surpass a setting consumption amount of money value, if the result that described bank server completes this transaction notice is to described transaction terminal device, and described user is without completing payment transaction by input the password of described bank card on described transaction terminal device; Described bank server notifies this effective result of concluding the business to described transaction terminal device if not, and completes payment transaction after described user inputs the password of correct described bank card on described transaction terminal device.
The present invention also provides a kind of system of utilizing sound wave to realize electronic transaction, and this system comprises:
Transaction terminal device, for sending to bank server the information that wave file comprises, and receives the effective or invalid result of this time concluding the business, and realizes transaction or close the trade according to described result;
Sound wave recognition device, for receiving and identify the wave file of mobile terminal playing, and the position while judging wave file described in described mobile terminal playing and the distance between it whether in the first distance range and sound wave frequency whether within the scope of first frequency;
Mobile terminal, it,, for the hardware device of accessible network, comprises smart mobile phone, panel computer or personal digital assistant, for play described wave file by its loudspeaker;
App application program, by network environment, realize the operation of electronic transaction, for user account and account having been completed to the bank card of authentication and binding, manage, and receive wave file of this time transaction that bank server sends or the identification string of transaction this time;
Bank server, belong to bank's internal server, have database, for generating this time unique identification string of transaction, and described identification string is sent to described App application program or becomes wave file to be sent to described App application program by specific algorithm coding, and the information that the wave file sending according to described transaction terminal device comprises carries out acknowledgment of your inquiry to this transaction, and Query Result is sent to described transaction terminal device with ∕ or described App application program;
Network, comprises internet or mobile Internet.
Wherein, described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described sound wave recognition device, and
Described financial service terminal comprises ATM (automatic teller machine), automatic teller machine;
Described electronic settling terminal comprises POS machine, self-service machine and the mobile terminal that described App application program is installed equally.
The invention has the beneficial effects as follows: the present invention, by the distance harmony wave frequency while carrying out electronic transaction limits to the both sides of transaction, has improved the security of transaction, has reduced the possibility that transaction data is blocked, steals, distorts.And the form transmission transaction data by sound wave, especially, carries out sonic transmissions by the loudspeaker on mobile terminal, does not need transformation or increases hardware device, and extendability is strong, and compatible low side mobile terminal, and cost is low.
Meanwhile, method provided by the invention has adapted to the development trend of " without card life ", makes internet finance and internet mobile payment more incorporate people's life.By the present invention, can make people needn't carry bank card or cash, just can realize transaction operation or purchase and consumption as using bank card, facilitate people to use the custom of bank card.By method and system of the present invention no matter be transaction terminal device of the present invention, or other people, businessman etc. all cannot get from the transaction terminal device for concluding the business user's accounts information and bank card account information, avoided the malicious attack behavior of wooden horse software etc., ensured the safety of user account information and bank account capital, the situation that while more not worrying meeting picture brush bank card, information may be stolen, copy occurs.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet that utilizes sound wave to realize electronic trade method of the present invention.
Fig. 2 is the schematic flow sheet that user of the present invention completes bank card binding authentication method.
Fig. 3 is the principle schematic of utilizing sound wave to realize electronic trading system of the present invention.
Embodiment
Below in conjunction with drawings and Examples, the present invention will be further described, for convenience of explanation, only shows the part relevant to the embodiment of the present invention.But it will be appreciated by those skilled in the art that the specific embodiment that this place is described, only for explaining the present invention, not in order to limit the present invention.
As shown in Figure 1, the method for utilizing sound wave to realize electronic transaction of the present invention, the method comprises the following steps.
When step 1, user conclude the business, transaction terminal device is opened sound wave recognition device.
It should be noted that, described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described sound wave recognition device, and described financial service terminal comprises ATM (automatic teller machine), automatic teller machine; Described electronic settling terminal comprises POS machine, self-service machine (comprising that automatic machine, automatic vending machine etc. are a series of for the self-service machine of self-service commodity or service is provided) and the mobile terminal that App application program of the present invention is installed equally.
When the account of the App application program that step 2, described user login to its mobile terminal are installed selection " sound wave electronic transaction ", described App application program will obtain a wave file, and utilize this wave file of described mobile terminal playing, described wave file to comprise this time identification string of transaction.
It should be noted that, described mobile terminal can be smart mobile phone, panel computer, personal digital assistant or other intelligent terminal, as long as it can be realized described wave file is play, does not repeat them here.
It should be noted that, in described step 2, when the account of the App application program that described user's login to its mobile terminal is installed selection " sound wave electronic transaction ", described App application program will obtain a wave file, specifically comprise:
Mode a, described App application program is asked for this time wave file of transaction to described bank server, described bank server will generate this time unique identification string of transaction, and described identification string is become to wave file by specific algorithm coding, and described wave file is sent to described App application program, described App application program will obtain this wave file;
Or mode b, described App application program is asked for this time identification string of transaction to described bank server, described bank server will generate unique identification string of this time transaction and send to described App application program, described App application program becomes wave file by described identification string by specific algorithm coding, thereby obtains described wave file.
It should be noted that, the present invention does not carry out any restriction to these algorithms, and all coding techniquess that can be used for the data message to form wave file in prior art all can be used for the present invention.In actual use, can select according to actual needs suitable coding techniques, as efficiency, the security of coding, the accuracy of transmission etc. of coding.
Step 3, described sound wave recognition device receive and identify described wave file and identify the information that this wave file comprises, and are sent to bank server after the information encryption that the described wave file identifying is comprised of described transaction terminal device.
It should be noted that, in described step 3, described sound wave recognition device receives and identifies described wave file and identify the information that this wave file comprises, and specifically comprises:
When described sound wave recognition device receives described wave file, position while judging this wave file of described mobile terminal playing and the distance between it whether in the first distance range and sound wave frequency whether within the scope of first frequency, if position when described sound wave recognition device determines this wave file of described mobile terminal playing and the distance between it are in the first distance range and sound wave frequency is within the scope of first frequency, this wave file are decoded and therefrom extract described identification string.
It should be noted that, the first described distance range can be 5 ~ 15 centimetres; First frequency scope can be that 1 ~ 10KHz(intensity of sound is in 0.5 ~ 1.0 decibel), distance between both parties' equipment will remain in the scope of 5 ~ 15 centimetres like this, and the frequency limitation of sound wave is within the scope of 1 ~ 10KHz, guarantee safety and the coverage transmission of sound wave, prevent that data are blocked, the hardware capabilities, sonic transmissions scope and the battery ability that adapt to both parties' equipment, also adapt to the distance limit between both parties, be unlikely in addition the too high people's of the causing ear of sound wave frequency uncomfortable.
After the deciphering of step 4, described bank server, obtain the information that described wave file comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described wave file, if exist, perform step 5, otherwise execution step 6.
It should be noted that, in described step 4, after the deciphering of described bank server, obtain the information that described wave file comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described wave file, specifically comprise:
When described App application program is asked for this wave file of concluding the business or this transaction ID string to described bank server, described bank server is saved to its database by the described identification string generating, when described transaction terminal device sends to described bank server the information that described wave file comprises, the consistent described identification string of described identification string whether described bank server utilizes its data base querying to exist to comprise with described wave file, if exist this time transaction for effectively, if do not exist this time transaction for invalid.
It should be noted that, described identification string can be one group by any character with ∕ or the numeral character string or the numeric string that form, and can only be in once concluding the business effectively, while again concluding the business, need to regenerate, and described identification string only retains 5 minutes on bank server, surpass and will cease to be in force automatically and delete for 5 minutes, improved the security of customer transaction.And it should be noted that, in specific implementation process, the time that described identification string retains on bank server can rationally be set according to actual conditions, and the present invention is not restricted this.
Step 5, described bank server is sent to described App application program by the relevant information of this transaction, described App application program is confirmed the content feed of described relevant information to described user's described account for user, when described user selects to confirm the content of this relevant information, described App application program is the bank card interface that completes authentication and binding to described account by response, described in when this user selects a certain bank card in this interface, App application program will extract the card number of this bank card the data message from described bank card, and continue to perform step 7.
It should be noted that, in described step 5, described bank server is sent to described App application program by the relevant information of this transaction, specifically comprises:
If described transaction terminal device is described financial service terminal, and when this time transaction is effective, described bank server will send the information of " whether confirming to conclude the business on XXX automatic teller machine " to described App application program, described relevant information comprises this content;
If described transaction terminal device is described electronic settling terminal, and when this time transaction is effective, described bank server will be asked for this time consumption order of transaction to described transaction terminal device, by sending to described bank server, according to the described consumption order of the commodity of described user's purchase or service creation, (consumption order can comprise payment to described transaction terminal device, name of firm, the transaction data information of order serial number etc.), and described bank server is sent to described App application program by the described consumption order obtaining, the content that described relevant information comprises this consumption order.
It should be noted that, the data message of the bank card of App application program management at least comprises bank of deposit, bank card number, name in an account book and bank card type etc., these data messages are when user completes the binding authentication of bank card, to offer App application program by bank server, and for user, check and understand the essential information of binding authentication bank card.
Step 6, described bank server notify to described transaction terminal device the result that it is invalid that this is concluded the business with ∕ or described App application program are closed the trade.
After the information encryption that step 7, described App application program comprise the card number of described bank card and described wave file or described wave file, be sent to described bank server.
It should be noted that, the technology that App application program is encrypted these data can adopt 3DES encryption technology or rsa encryption technique, and it is also feasible certainly adopting other encryption technology, and the present invention is not restricted this.And the data that should be understood that All Activity information of the present invention transmission all can be passed through encryption.
It should be noted that, if bank server confirms this time transaction for effectively and the relevant information of this transaction is sent to after App application program, App application program can confirm that the information that the wave file of this time transaction or the wave file of this time transaction comprise is effectively, if and described step 7 carries out is mode a, described wave file will be till App application program (comprising background server) will remain to transaction; If that described step 7 is carried out is mode b, the information that described wave file comprises will be till App application program (comprising background server) will remain to transaction.App application program can be concluded the business this after information encryption that bank card that user selects and wave file or wave file comprise and is sent to together bank server like this, the this time identification string of transaction comprising according to wave file after bank server deciphering, determine it is which electronic transaction in bank server and database thereof, thereby what can orient safely, exactly execution is which electronic transaction operation.The electronic transaction that and if the time that the information that described wave file or wave file comprise retains in App application program (comprising background server) surpasses time that banking data base retains or user selects to cancel this, the information that this wave file or wave file comprise is in App application program (comprising background server) will cease to be in force automatically equally He ∕ or deletion.
The information that after step 8, the deciphering of described bank server, the card number of the described bank card of acquisition and described wave file or described wave file comprise, and by this extremely described transaction terminal device of effective result notice of concluding the business, and described transaction terminal device will point out user to input the password of described bank card.
Step 9, on described transaction terminal device, input after described password as described user, described transaction terminal device will be sent to described bank server after the password encryption of this user's input.
It should be noted that, user on transaction terminal device, inputs keyboard that bank card password can carry by transaction terminal device or code keypad input ， with ∕ or the touch screen touch point that has by transaction terminal device hit input.
Step 10, described bank server utilize bank card account information corresponding to bank card number described in its data base querying, and judge that whether the described password obtaining after deciphering is consistent with the bank card password in described bank card account information, if unanimously realize transaction, otherwise close the trade.
It should be noted that, bank card account information comprises that bank of deposit, bank card number, bank card password, account holder's identity information and contact method, account balance, bank card business dealing record etc. are all about the record data of this bank card.
It should be noted that, when described transaction terminal device is electronic settling terminal, described step 8-10 also can be carried out by the following method:
Described bank server is when deciphering obtains the information that the card number of described bank card and described wave file or described wave file comprise afterwards, judge whether the amount of money that described consumption order need pay does not surpass a setting consumption amount of money value, if the result that described bank server completes this transaction notice is to described transaction terminal device, and described user is without completing payment transaction by input the password of described bank card on described transaction terminal device; Described bank server notifies this effective result of concluding the business to described transaction terminal device if not, and completes payment transaction after described user inputs the password of correct described bank card on described transaction terminal device.
It should be noted that, described setting consumption amount of money value is system default one pays numerical value, and this payment numerical value can be exempted from close payment the same day and is the maximum dollar amount value of progressive payment for user.Certainly user can App application program interface is set in change this numerical value or Guan Bi ∕ and open small amount and exempt from close payment function, and this operation will synchronously be updated to bank server and database thereof, improve convenience when user's purchase and consumption pays.
By method of the present invention, the distance harmony wave frequency when both sides of transaction are carried out to electronic transaction controls, and has improved the security of transaction, has reduced the possibility that transaction data is blocked, steals, distorts, and trading efficiency is high.And the form transmission transaction data by sound wave, especially, carries out sonic transmissions by the loudspeaker on mobile terminal, does not need transformation or increases hardware device, and extendability is strong, and compatible low side mobile terminal, and cost is low.By the encryption and decryption to transaction data, further improved the security in transaction data transmittance process, further reduced the possibility that transaction data is blocked, steals, distorts.
Meanwhile, by method of the present invention, can make people needn't carry bank card or cash, just can realize transaction operation or purchase and consumption as using bank card, facilitate people to use the custom of bank card.User only need utilize mobile phone, the mobile terminals such as panel computer are logined to the account of App application program management, select " sound wave electronic transaction ", just can obtain a wave file and play, when the sound wave recognition device of transaction terminal device receives this wave file and identifies after the information that wave file comprises, after the information encryption that transaction terminal device comprises the wave file identifying, be sent to bank server, the confirmation that the information comprising by this wave file after bank server deciphering is concluded the business, and when confirming successfully, the relevant information of this transaction is sent to App application program, and when user confirms the content of this relevant information and completed at App application response to user account the bank card interface that authenticates and bind to select after a certain bank card, after the information encryption that App application program comprises this bank card and wave file or wave file, be sent to bank server, after bank server deciphering, obtain these data messages, and this effective result of concluding the business is notified to transaction terminal device, after inputting correct bank card password on transaction terminal device, user completes transaction.
Correspondingly, by method of the present invention, aspect security, obtained great guarantee.Than using bank card input password to increase the account of logining together App application program management, the operation that just can conclude the business, and can password setting input continuously several times and can not in section, again input password sometime after password mistake, simultaneously App application program of the present invention can be resolved again the IP address, login ground of mobile terminal etc., when occurring in the situation of other mobile terminal or different-place login user account, will carry out abnormality processing (this has been applied to QQ, Alipay etc.), thereby ensure the safety of user account information.And no matter be transaction terminal device of the present invention, or other people, businessman etc. all cannot get from the transaction terminal device for concluding the business user's accounts information and bank card account information, avoided the malicious attack behavior of wooden horse software etc., ensured the safety of user account information and bank account capital, the situation that while more not worrying meeting picture brush bank card, information may be stolen, copy occurs.
It should be noted that, in one of them embodiment of the present invention, when transaction terminal device is financial service terminal, for avoiding user to submit after easy to operate and do not exit and leave automatic teller machine at automatic teller machine, by other people, again operated this transaction interface, can take following measures to take precautions against: when user successfully logins to bank account, at automatic teller machine, submit when easy to operate, if the executing instruction operations again not within upper 15 second of command operating basis on completing once, automatic teller machine will automatically exit this bank account and get back to first interface.
It should be noted that, in one of them embodiment of the present invention, when transaction terminal device is financial service terminal, for avoiding user to submit after easy to operate and do not exit and leave automatic teller machine at automatic teller machine, by other people, again operated this transaction interface, can take following measures to take precautions against: this time identification string of transaction that wave file comprises can only be carried out once transaction operation on automatic teller machine, can only withdraw the money, deposit, transfer accounts etc. in transaction operation and select one, after completing, can only operate " checking remaining sum ", the option such as " exit ", if withdrawn the money and need to again carry out, deposit, while the transaction operation such as transferring accounts, need to regenerate new wave file and successfully login to bank account, the operation of could again concluding the business.
It should be noted that, above method and measure only just as a reference, in specific implementation process, can be selected to implement or in conjunction with implementing, also can implement by other method and measure on demand, and the present invention is not construed as limiting this.
It should be noted that, in described step 5, when described user selects to confirm the content of described relevant information, described App application program is the bank card interface that completes authentication and binding to described account by response, also comprise before this: described user's login to the described account of described App application program completes the binding authentication to described bank card, and described account can be bound multiple bank cards.The realization of this technology can utilize the quick method of opening that pays of bank card in prior art to be achieved, by specific embodiment, the method is further explained below, but only just explain, not in order to be limited to the method for this kind of binding authentication bank card.As shown in Figure 2, user completes the method to described bank card binding authentication, and the method specifically comprises:
Step 21, user login card number, name in an account book and the phone number of inputting required binding authentication bank card to the account of App application program;
Step 22, App application program are sent to bank server after the bank card number of user's input, name in an account book and phone number are encrypted;
After step 23, bank server deciphering, obtain described bank card number, described name in an account book and described phone number;
Step 24, bank server utilize the bank card account information that this card number of its data base querying is corresponding and utilize the correctness of name in an account book and described phone number described in described bank card account validation of information, and will confirm that result notifies the application program to App;
Step 25, when confirming that result be successfully time, App application program will transmission mobile phone dynamic password to the mobile phone of described phone number;
Step 26, when user inputs after correct mobile phone dynamic password, complete the binding authentication to described bank card.
It should be noted that, in described step 10, if bank server determines the password of user input and the password of bank card when inconsistent, prompting user is re-entered to described password, and if user repeatedly inputs after password mistake, the transaction terminal device that bank server is carried out this transaction by notice is closed the trade, and described bank card is locked, and before this bank card release, can not conclude the business.This mode is concluded the business and is shared the number of times of input password with use bank card, no matter still use the mode of doing business of bank card all can only input by mode of doing business of the present invention, ensured the safety that user's bank card is used in the number of times of a setting input password.
As shown in Figure 3, the system of utilizing sound wave to realize electronic transaction of the present invention, this system comprises:
Transaction terminal device, for sending to bank server the information that wave file comprises, and receives the effective or invalid result of this time concluding the business, and realizes transaction or close the trade according to described result;
Sound wave recognition device, for receiving and identify the wave file of mobile terminal playing, and the position while judging wave file described in described mobile terminal playing and the distance between it whether in the first distance range and sound wave frequency whether within the scope of first frequency;
Mobile terminal, it,, for the hardware device of accessible network, comprises smart mobile phone, panel computer or personal digital assistant, for play described wave file by its loudspeaker;
App application program, by network environment, realize the operation of electronic transaction, for user account and account having been completed to the bank card of authentication and binding, manage, and receive wave file of this time transaction that bank server sends or the identification string of transaction this time;
Bank server, belong to bank's internal server, have database, for generating this time unique identification string of transaction, and described identification string is sent to described App application program or becomes wave file to be sent to described App application program by specific algorithm coding, and the information that the wave file sending according to described transaction terminal device comprises carries out acknowledgment of your inquiry to this transaction, and Query Result is sent to described transaction terminal device with ∕ or described App application program;
Network, comprises internet or mobile Internet.
It should be noted that, described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described sound wave recognition device, and
Described financial service terminal comprises ATM (automatic teller machine), automatic teller machine;
Described electronic settling terminal comprises POS machine, self-service machine and the mobile terminal that described App application program is installed equally.
It should be noted that, the content of the data transmission of carrying out between App application program, transaction terminal device and bank server is all Transaction Information, and these trading information datas all can pass through encryption.Especially, the transmission of the trading information data carrying out between App application program and bank server can adopt 3DES encryption technology or rsa encryption technique, and it is also feasible certainly adopting other encryption technology, and the present invention is not restricted this.
It should be noted that, transaction terminal device is also provided with input equipment, and described input equipment comprises keyboard with ∕ or touch-screen operate and input Transaction Information for carrying out transaction.
It should be noted that, when transaction terminal device is financial service terminal, also comprise currency checking module and fault judge module, described fault judge module is connected with described currency checking module.When user withdraws the money or deposits, fault judge module judges that this equipment whether can note output or deposit paper money, if currency checking module fault can not be concluded the business, interface prompt user can not carry out the transaction business of withdrawing the money, depositing.Described currency checking module is used for, when user withdraws the money, the cash in automatic teller machine is extracted to withdraw the money the accordingly amount of money currency examine, or when user deposits, the cash of putting into cash dispensing port is carried out to currency examine statistical magnitude.
It should be noted that, when transaction terminal device is electronic settling terminal, also can comprise for generating the generation module of consumption order.
It should be noted that, transaction terminal device is electronic settling terminal and while being self-service machine, also can comprise goods discharging module and fault judge module, and described fault judge module is connected with described goods discharging module.When user buys commodity on self-service machine, fault judge module judges that this equipment whether can shipment, if goods discharging module fault can not shipment, interface prompt customer transaction stops, and this is applicable to the self-service machine that automatic machine, automatic vending machine etc. have commodity nature.And for the self-service machine that service is provided, such as hotel self-service machine etc. can not arrange these modules.
It should be noted that, the first distance range of sound wave recognition device judgement can be 5 ~ 15 centimetres; First frequency scope can be that 1 ~ 10KHz(intensity of sound is in 0.5 ~ 1.0 decibel), distance between both parties' equipment will remain in the scope of 5 ~ 15 centimetres like this, and the frequency limitation of sound wave is within the scope of 1 ~ 10KHz, guarantee safety and the coverage transmission of sound wave, prevent that data are blocked, the hardware capabilities, sonic transmissions scope and the battery ability that adapt to both parties' equipment, also adapt to the distance limit between both parties, be unlikely in addition the too high people's of the causing ear of sound wave frequency uncomfortable.
It should be noted that, this time identification string of transaction that bank server generates can be one group by any character with character string or numeric string that ∕ or numeral form, and can only be in once concluding the business effectively, while again concluding the business, need to regenerate, and described identification string only retains 5 minutes on bank server, surpass and will cease to be in force automatically and delete for 5 minutes, improved the security of customer transaction.And it should be noted that, in specific implementation process, the time that described identification string retains on bank server can rationally be set according to actual conditions, and the present invention is not restricted this.
Above content is in conjunction with concrete preferred implementation further description made for the present invention, can not assert that specific embodiment of the invention only limits to these explanations.For general technical staff of the technical field of the invention, without departing from the inventive concept of the premise, can also make some simple deduction or replace, all should be considered as belonging to protection scope of the present invention.
Claims (10)
1. utilize sound wave to realize a method for electronic transaction, it is characterized in that, the method comprises the following steps:
When step 1, user conclude the business, transaction terminal device is opened sound wave recognition device;
When the account of the App application program that step 2, described user login to its mobile terminal are installed selection " sound wave electronic transaction ", described App application program will obtain a wave file, and utilize this wave file of described mobile terminal playing, described wave file to comprise this time identification string of transaction;
Step 3, described sound wave recognition device receive and identify described wave file and identify the information that this wave file comprises, and are sent to bank server after the information encryption that the described wave file identifying is comprised of described transaction terminal device;
After the deciphering of step 4, described bank server, obtain the information that described wave file comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described wave file, if exist, perform step 5, otherwise execution step 6;
Step 5, described bank server is sent to described App application program by the relevant information of this transaction, described App application program is confirmed the content feed of described relevant information to described user's described account for user, when described user selects to confirm the content of this relevant information, described App application program is the bank card interface that completes authentication and binding to described account by response, described in when this user selects a certain bank card in this interface, App application program will extract the card number of this bank card the data message from described bank card, and continue to perform step 7,
Step 6, described bank server notify to described transaction terminal device the result that it is invalid that this is concluded the business with ∕ or described App application program are closed the trade;
After the information encryption that step 7, described App application program comprise the card number of described bank card and described wave file or described wave file, be sent to described bank server;
The information that after step 8, the deciphering of described bank server, the card number of the described bank card of acquisition and described wave file or described wave file comprise, and by this extremely described transaction terminal device of effective result notice of concluding the business, and described transaction terminal device will point out user to input the password of described bank card;
Step 9, on described transaction terminal device, input after described password as described user, described transaction terminal device will be sent to described bank server after the password encryption of this user's input;
Step 10, described bank server utilize bank card account information corresponding to bank card number described in its data base querying, and judge that whether the described password obtaining after deciphering is consistent with the bank card password in described bank card account information, if unanimously realize transaction, otherwise close the trade.
2. method according to claim 1, is characterized in that: described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described sound wave recognition device, and
Described financial service terminal comprises ATM (automatic teller machine), automatic teller machine;
Described electronic settling terminal comprises POS machine, self-service machine and the mobile terminal that described App application program is installed equally.
3. method according to claim 1, it is characterized in that, in described step 2, when the account of the App application program that described user's login to its mobile terminal is installed selection " sound wave electronic transaction ", described App application program will obtain a wave file, specifically comprise:
Mode a, described App application program is asked for this time wave file of transaction to described bank server, described bank server will generate this time unique identification string of transaction, and described identification string is become to wave file by specific algorithm coding, and described wave file is sent to described App application program, described App application program will obtain this wave file;
Or
Mode b, described App application program is asked for this time identification string of transaction to described bank server, described bank server will generate unique identification string of this time transaction and send to described App application program, described App application program becomes wave file by described identification string by specific algorithm coding, thereby obtains described wave file.
4. according to the method described in claim 1 or 3, it is characterized in that, in described step 3, described sound wave recognition device receives and identifies described wave file and identify the information that this wave file comprises, and specifically comprises:
When described sound wave recognition device receives described wave file, position while judging this wave file of described mobile terminal playing and the distance between it whether in the first distance range and sound wave frequency whether within the scope of first frequency, if position when described sound wave recognition device determines this wave file of described mobile terminal playing and the distance between it are in the first distance range and sound wave frequency is within the scope of first frequency, this wave file are decoded and therefrom extract described identification string.
5. according to the method described in claim 1 or 3, it is characterized in that, in described step 4, after described bank server deciphering, obtain the information that described wave file comprises, and the consistent identification string of described identification string that utilizes its data base querying whether to exist to comprise with described wave file, specifically comprise:
When described App application program is asked for this wave file of concluding the business or this transaction ID string to described bank server, described bank server is saved to its database by the described identification string generating, when described transaction terminal device sends to described bank server the information that described wave file comprises, the consistent described identification string of described identification string whether described bank server utilizes its data base querying to exist to comprise with described wave file, if exist this time transaction for effectively, if do not exist this time transaction for invalid.
6. method according to claim 1 and 2, is characterized in that, in described step 5, described bank server is sent to described App application program by the relevant information of this transaction, specifically comprises:
If described transaction terminal device is described financial service terminal, and when this time transaction is effective, described bank server will send the information of " whether confirming to conclude the business on XXX automatic teller machine " to described App application program, described relevant information comprises this content;
If described transaction terminal device is described electronic settling terminal, and when this time transaction is effective, described bank server will be asked for this time consumption order of transaction to described transaction terminal device, described transaction terminal device will send to described bank server according to the commodity of described user's purchase or the described consumption order of service creation, and described bank server is sent to described App application program, the content that described relevant information comprises this consumption order by the described consumption order obtaining.
7. method according to claim 1, it is characterized in that, in described step 5, when described user selects to confirm the content of described relevant information, described App application program is the bank card interface that completes authentication and binding to described account by response, also comprises before this:
Described user's login to the described account of described App application program completes the binding authentication to described bank card, and described account can be bound multiple bank cards.
8. according to the method described in claim 1-6 any one, it is characterized in that, when described transaction terminal device is described electronic settling terminal, described step 8-10 also can be carried out by the following method:
Described bank server is when deciphering obtains the information that the card number of described bank card and described wave file or described wave file comprise afterwards, judge whether the amount of money that described consumption order need pay does not surpass a setting consumption amount of money value, if the result that described bank server completes this transaction notice is to described transaction terminal device, and described user is without completing payment transaction by input the password of described bank card on described transaction terminal device; Described bank server notifies this effective result of concluding the business to described transaction terminal device if not, and completes payment transaction after described user inputs the password of correct described bank card on described transaction terminal device.
9. utilize sound wave to realize a system for electronic transaction, it is characterized in that, this system comprises:
Transaction terminal device, for sending to bank server the information that wave file comprises, and receives the effective or invalid result of this time concluding the business, and realizes transaction or close the trade according to described result;
Sound wave recognition device, for receiving and identify the wave file of mobile terminal playing, and the position while judging wave file described in described mobile terminal playing and the distance between it whether in the first distance range and sound wave frequency whether within the scope of first frequency;
Mobile terminal, it,, for the hardware device of accessible network, comprises smart mobile phone, panel computer or personal digital assistant, for play described wave file by its loudspeaker;
App application program, by network environment, realize the operation of electronic transaction, for user account and account having been completed to the bank card of authentication and binding, manage, and receive wave file of this time transaction that bank server sends or the identification string of transaction this time;
Bank server, belong to bank's internal server, have database, for generating this time unique identification string of transaction, and described identification string is sent to described App application program or becomes wave file to be sent to described App application program by specific algorithm coding, and the information that the wave file sending according to described transaction terminal device comprises carries out acknowledgment of your inquiry to this transaction, and Query Result is sent to described transaction terminal device with ∕ or described App application program;
Network, comprises internet or mobile Internet.
10. system according to claim 9, is characterized in that: described transaction terminal device comprises financial service terminal and electronic settling terminal, and is provided with described sound wave recognition device, and
Described financial service terminal comprises ATM (automatic teller machine), automatic teller machine;
Described electronic settling terminal comprises POS machine, self-service machine and the mobile terminal that described App application program is installed equally.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410164750.2A CN103942691A (en) | 2014-04-23 | 2014-04-23 | Method and system for realizing electronic transaction through sound waves |
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| CN201410164750.2A CN103942691A (en) | 2014-04-23 | 2014-04-23 | Method and system for realizing electronic transaction through sound waves |
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| CN105096188A (en) * | 2015-08-07 | 2015-11-25 | 武汉万江龙网络有限公司 | Financing system and financing method |
| CN105575015A (en) * | 2015-06-30 | 2016-05-11 | 宇龙计算机通信科技(深圳)有限公司 | Self-service account settling method, equipment, server and system |
| CN106355394A (en) * | 2016-08-22 | 2017-01-25 | 广西咪付网络技术有限公司 | Payment control method based on mobile intelligent terminal sensor |
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| CN107038656A (en) * | 2016-02-03 | 2017-08-11 | 开曼群岛商红阳控股有限公司 | System and method are provided using the electronic menu of sonic transmissions |
| CN107153960A (en) * | 2017-04-25 | 2017-09-12 | 北京小米移动软件有限公司 | The settlement method and device of transaction |
| CN107977562A (en) * | 2017-11-30 | 2018-05-01 | 努比亚技术有限公司 | Personal identification method, identification terminal and storage medium |
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| CN108062705A (en) * | 2017-12-26 | 2018-05-22 | 北京京东金融科技控股有限公司 | Information interacting method and device, system, electronic equipment, storage medium |
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| CN105575015A (en) * | 2015-06-30 | 2016-05-11 | 宇龙计算机通信科技(深圳)有限公司 | Self-service account settling method, equipment, server and system |
| CN105096188A (en) * | 2015-08-07 | 2015-11-25 | 武汉万江龙网络有限公司 | Financing system and financing method |
| CN108028001A (en) * | 2015-08-19 | 2018-05-11 | 声付有限责任公司 | System and method for the formula interaction of audio signal intermediary |
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| CN107038656A (en) * | 2016-02-03 | 2017-08-11 | 开曼群岛商红阳控股有限公司 | System and method are provided using the electronic menu of sonic transmissions |
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| CN106651361A (en) * | 2016-12-20 | 2017-05-10 | 张涉应 | Internet terminal for financial IC (Integrated Circuit) card and transaction method thereof |
| CN107153960A (en) * | 2017-04-25 | 2017-09-12 | 北京小米移动软件有限公司 | The settlement method and device of transaction |
| JP2020537783A (en) * | 2017-10-20 | 2020-12-24 | ダンソル プラス カンパニー リミテッド | Short-distance payment system using sonic communication |
| CN107977562A (en) * | 2017-11-30 | 2018-05-01 | 努比亚技术有限公司 | Personal identification method, identification terminal and storage medium |
| CN108062705A (en) * | 2017-12-26 | 2018-05-22 | 北京京东金融科技控股有限公司 | Information interacting method and device, system, electronic equipment, storage medium |
| CN108062705B (en) * | 2017-12-26 | 2020-12-22 | 京东数字科技控股有限公司 | Information interaction method, device and system, electronic equipment and storage medium |
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Application publication date: 20140723 |