CN105931043A - Earphone with payment function, and application method thereof - Google Patents
Earphone with payment function, and application method thereof Download PDFInfo
- Publication number
- CN105931043A CN105931043A CN201610240780.6A CN201610240780A CN105931043A CN 105931043 A CN105931043 A CN 105931043A CN 201610240780 A CN201610240780 A CN 201610240780A CN 105931043 A CN105931043 A CN 105931043A
- Authority
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- Prior art keywords
- earphone
- communication equipment
- mobile communication
- payment
- function
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
The invention provides an earphone with a payment function, and an application method thereof. The earphone comprises a housing, a power supply, a control device, and a communication device. The power supply, the control device and the communication device are located in the housing. The power supply and the communication device are connected with the control device. The interior of the control device is provided with a payment device which can achieve the payment function of the earphone. The earphone increases the use diversity for a user, improves the earphone payment safety level, and reduces the risk of economic loss for the user.
Description
Technical field
The application relates to mobile payment technical field, is specifically related to a kind of earphone with payment function and makes
Use method.
Background technology
In recent years, mobile payment has become as the means of payment that people commonly use, near-field communication (NFC, Near
Field Communication) technology is a kind of short-distance wireless communication technology, is the mode of mobile payment
One of.NFC technique is operated in 13.56MHz frequency range, along with moving the general of consumption electronic product
And, the NFC system that energy consumption is low, data transmission bauds is fast is at mobile payment, electronic identity authentication, electronics
The fields such as ticket are widely used.
NFC terminal mainly has two kinds of mode of operations: (1) aggressive mode: NFC terminal in this mode
As a card reader, the radiofrequency signal actively sending oneself goes to identify and the other NFC device of read/write,
Such as apply in POS；(2) Passive Mode: in this mode, NFC terminal can be as one
Individual card by read/write, its only passive response in the radio-frequency field that other equipment send, such as apply at mobile
Pay on smart card.
The carrier that the IC of application NFC technique pays at present includes with paying the bracelet of IC chip, key
Button IC-card, standard card form IC-card, the kind of IC-card carrier is less, and multiformity when people use is low.
These IC-cards are during using, and without cryptographic check link, level of security is relatively low, it is possible to user
Bring the risk of economic loss.
Summary of the invention
In view of this, the application provide a kind of earphone with payment function, described earphone include housing,
Power supply, control device, communicator, described power supply, control device, communicator are positioned at described housing
In, described power supply, communicator are connected with described control device,
Described power supply, for powering to described earphone；
Described control device, for realizing each function of described earphone；
Described communicator, for communicating with other equipment.
Further, described control device includes: micro processor, apparatus, payment mechanism, storage device, press
Key asembly, described payment mechanism, storage device, button assembly be connected with described micro processor, apparatus,
Described micro processor, apparatus, for realizing the control function of described earphone；
Described payment mechanism, for realizing the payment function of described earphone；
Described storage device, for storing the key of described earphone, algorithm information；
Described button assembly, for realizing the confirmation of described earphone, cancellation, volume adjusting, on and off switch
Function.
Further, described micro processor, apparatus is provided with hardware timer, soft in described earphone
The setting of clock.
Further, described payment mechanism is provided with IC card chip, described IC card chip is provided with peace
Full chip, described IC card chip is with NFC function.
Further, described communicator is provided with data transmission device, audio decoding apparatus, power amplification device,
Described data transmission device, audio decoding apparatus, power amplification device are connected by wire,
Described data transmission device, for realizing the communications of data；
Described audio decoding apparatus, for the Audio Processing of described sound；
Described power amplification device, for the playing function of described earphone.
Further, described data transmission device can be blue-tooth device or tone frequency channel wire, described with paying merit
The earphone of energy realizes the communications of data by blue-tooth device or tone frequency channel wire.
Further, described power supply is rechargeable battery or aneroid battery.
The application also proposes the using method of a kind of earphone with payment function, and described method includes as follows
Step:
S1, earphone is attached with mobile communication equipment, it is achieved pairing；
S2, read the accounts information of IC card chip on a mobile communications device；
Accounts information is fed back to background server by S3, mobile communication equipment, and inputs trading password, after
Trading password is verified by station server；
S4, background server complete checking to trading password information, and notify mobile communication equipment transaction
Pay result.
Further, described step S1 includes following sub-step:
S101, earphone and mobile communication equipment are carried out pairing by data transmission device it is connected；
S102, the payment software opened in mobile communication equipment, mobile communication equipment passes through payment software will
Login password is sent to earphone；
The login password that mobile communication equipment is sent by S103, earphone is verified, it may be judged whether by testing
Card, if being verified, performs step S104, if checking is not passed through, and the IC card chip in earphone and shifting
Dynamic communication equipment matches unsuccessfully；
IC card chip in S104, earphone and mobile communication equipment successful matching；
IC card chip in S105, earphone terminates with mobile communication equipment pairing.
Further, described step S3 includes following sub-step:
The accounts information of IC card chip is checked by S301: mobile communication equipment, and by accounts information
Feed back to background server；
S302: user inputs trading password on a mobile communications device, and mobile communication equipment starts hardware meter
Time device, open soft clock；
Trading password information is fed back to background server by S303: mobile communication equipment；
The trading password information that mobile communication equipment is sent by S304: background server is verified.
From above technical scheme, a kind of earphone with payment function of the application proposition and user
Method, the control device on earphone is provided with payment mechanism, adds the payment function of earphone, neither
Increase burden to user, the most convenient for users to use, add the use multiformity of user, paying
During, add cryptographic check link, improve the level of security that earphone pays, reduce user and produce
The risk of raw economic loss.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present application or technical scheme of the prior art, below will be to reality
Execute the required accompanying drawing used in example or description of the prior art to be briefly described, it should be apparent that below,
Accompanying drawing in description is only some embodiments described in the application, for those of ordinary skill in the art
From the point of view of, it is also possible to other accompanying drawing is obtained according to these accompanying drawings.
Fig. 1 is the structural representation of a kind of earphone with payment function of the application；
Fig. 2 is the structural representation controlling device of a kind of earphone with payment function of the application；
Fig. 3 is the structural representation of the payment mechanism of a kind of earphone with payment function of the application；
Fig. 4 is the structural representation of the communicator of a kind of earphone with payment function of the application；
Fig. 5 is the structural representation of the use state of a kind of earphone with payment function of the application；
Fig. 6 is the flow chart of the using method of a kind of earphone with payment function of the application；
Fig. 7 is that earphone and mobile communication equipment are attached, realize method flow when matching by the application
Figure；
Fig. 8 is that Transaction Information is fed back to background server, background server by the application mobile communication equipment
The flow chart that password is verified.
Detailed description of the invention
For the technical scheme making those skilled in the art be more fully understood that in the application, below in conjunction with this Shen
Please accompanying drawing in embodiment, the technical scheme in the embodiment of the present application is clearly and completely described,
Obviously, described embodiment is only some embodiments of the present application rather than whole embodiments.
Based on the embodiment in the application, the every other embodiment that those of ordinary skill in the art are obtained, all
The scope of the application protection should be belonged to.
Further illustrate the application below in conjunction with illustrations to implement.
The application proposes a kind of earphone 1 with payment function, as it is shown in figure 1, described earphone 1 includes
Housing 11, power supply 12, control device 13, communicator 14, described power supply 12, control device 13,
Communicator 14 is positioned at described housing 11, and described power supply 12, communicator 14 control dress with described
Put 13 connections,
Described power supply 12, for powering to described earphone 1；
Specifically, described power supply 12 is rechargeable battery or aneroid battery, if described earphone is wired earphone,
Then need not arrange power supply, can be directly attached with mobile communication equipment by the tone frequency channel wire of wired earphone；
Described control device 13, for realizing each function of described earphone 1；
Specifically, described control device 13, as in figure 2 it is shown, include: micro processor, apparatus 131,
Pay device 132, storage device 133, button assembly 134, described payment mechanism 132, storage device 133,
Button assembly 134 is connected with described micro processor, apparatus 131,
Described micro processor, apparatus 131, for realizing the control function of described earphone 1；
More specifically, be provided with hardware timer on described micro processor, apparatus 131, for described earphone
The setting of the soft clock in 1；When using the payment function of described earphone 1, described micro processor, apparatus
131 start described hardware timer, carry out time monitoring；
Described payment mechanism 132, for realizing the payment function of described earphone 1；
More specifically, described payment mechanism 132, as it is shown on figure 3, be provided with IC card chip 1321, institute
Stating and be provided with safety chip 13211 in IC card chip 1321, described IC card chip 1321 is with NFC
Function, described IC card chip 1321 completes the letter with mobile communication equipment by micro processor, apparatus 131
Breath is mutual, and then completes the payment function of described earphone 1；
Described storage device 133, for storing the individualized letter of the IC card chip 1321 of described earphone 1
Breath, such as card number, card issuer identification, pseudo random number, on-line transaction sequence number, key version, algorithm mark
And other extension information；
Described button assembly 134, for realizing the confirmation of described earphone, cancellation, volume adjusting, power supply
Switching function.
Described communicator 14, for communicating with other equipment.
Specifically, described communicator 14, as shown in Figure 4, it is provided with data transmission device 141, sound
Frequently decoding apparatus 142, power amplification device 143, described data transmission device 141, audio decoding apparatus 142,
Power amplification device 143 is connected by wire,
Described data transmission device 141, for realizing the communications of data；
More specifically, described data transmission device 141 can be blue-tooth device or tone frequency channel wire, described with
The earphone of payment function realizes the communications of data by blue-tooth device or tone frequency channel wire；
When described earphone 1 is attached with mobile communication equipment, if described earphone 1 is bluetooth earphone,
It is attached by opening the blue-tooth device of earphone 1 and mobile communication equipment, it is achieved the transmission of data, if
When described earphone is wired earphone, it is attached with mobile communication equipment by the tone frequency channel wire on wired earphone,
Realize the transmission of data.
Described audio decoding apparatus 142, for the Audio Processing of described sound；
Described power amplification device 143, for the playing function of described earphone；
More specifically, described power amplification device 143 includes microphone, speaker, all with described audio decoder
Device 142 connects.
The application also proposes the using method of a kind of earphone 1 with payment function, as shown in Figure 6, institute
State the structural representation of the use state of earphone 1, as it is shown in figure 5, the using method bag of described earphone 1
Include following steps:
S1, earphone 1 is attached with mobile communication equipment 2, it is achieved pairing；
Specifically, described step S1 includes following sub-step, as shown in Figure 7:
S101, earphone 1 and mobile communication equipment 2 is carried out pairing by data transmission device 141 it is connected；
During more specifically, described earphone 1 is attached with mobile communication equipment 2, if described earphone 1 is
During bluetooth earphone, it is attached by opening the blue-tooth device of earphone 1 and mobile communication equipment 2, it is achieved
The transmission of data, if described earphone 1 is wired earphone, by the tone frequency channel wire on wired earphone and movement
Communication equipment 2 is attached, it is achieved the transmission of data；
S102, the payment software opened in mobile communication equipment 2, mobile communication equipment 2 is by paying
Login password is sent to earphone 1 by software；
More specifically, described login password is the password that user sets in banking system, when mobile communication sets
When payment software on standby 2 enters input login password interface, mobile communication equipment 2 starts mobile communication
Hardware timer on equipment, opens soft clock 1；The micro processor, apparatus 131 of described control device 13
Starting hardware timer, open soft clock 2, the time of described soft clock 1 and soft clock 2 keeps synchronizing,
The timing time of hardware timer is set, can be arbitrary a period of time, such as 20s～30s, to movement
Communication equipment 2 sends the time of login password and is monitored；
The login password that mobile communication equipment 2 is sent by S103, earphone 1 is verified；
The login password that mobile communication equipment 2 is sent by S103, earphone 1 is verified, it may be judged whether logical
Crossing checking, if being verified, performing step S104, if checking is not passed through, the IC-card core in earphone 1
Sheet 1321 and mobile communication equipment 2 match failure；
More specifically, password is sent to payment mechanism 132, payment mechanism 132 by micro processor, apparatus 131
The login that the login password sent by mobile communication equipment 2 arranges preservation with user at bank management system is joined
Comparing password, now the safety chip 13211 in IC card chip 1321 is to mobile communication equipment
The 2 login password information sent complete deciphering, carry out login password authentication；
Described soft clock 1 and soft clock 2 time synchronized, if the pairing time is when hardware timer sets
In, then successful matching；If the pairing time exceedes the time that hardware timer sets, described pairing time
During time-out, earphone 1 and mobile communication equipment 2 match failure, can arrange input login password mistake time
Number or expired times, be controlled safety input number of times；
IC card chip 1321 in S104, earphone 1 and mobile communication equipment 2 successful matching；
IC card chip 1321 in S105, earphone 1 terminates with mobile communication equipment 2 pairing.
S2, on mobile communication equipment 2 read IC card chip 1321 accounts information；
Specifically, the accounts information of described IC card chip 1321 through safety chip 13211 encrypt after,
Be transferred to described mobile communication equipment 2, mobile communication equipment 2 by information decipher after to described IC card chip
The accounts information of 1321 is read out, and the accounts information of described IC card chip 1321 is card number, card issuer
Mark, pseudo random number, on-line transaction sequence number, key version, algorithm mark and other extension information；
Accounts information is fed back to background server 3 by S3, mobile communication equipment 2, and inputs trading password,
Trading password is verified by background server 3；
Specifically, described trading password is the password that user is arranged in bank, described step S3 include as
Lower sub-step:
The accounts information of IC card chip 1321 is checked by S301: mobile communication equipment 2, and by account
Family information feeds back to background server 3；
Described background server 3 is according in the public key decryptions process of exchange corresponding with IC card chip 1321
The information through private key encryption produced, determines the legitimacy of transaction.
More specifically, background server 3 judges that pseudo random number is the most legal, on-line transaction sequence number and its
The Account Transaction History of remaining IC card chip is the most correct；
S302: user inputs trading password on mobile communication equipment 2, and mobile communication equipment 2 starts firmly
Part timer, opens soft clock；
More specifically, user inputs trading password, mobile communication equipment on described mobile communication equipment 2
2 start hardware timer, open soft clock；The timing time of hardware timer is set, can be any
A period of time, such as 20s～30s, the time of the trading password of mobile communication equipment 2 input is supervised
Control；If input trading password success, then enter next step, if input trading password mistake or time-out, then
Fail Transaction, can arrange number of times or the expired times of input trading password mistake, enters safety input number of times
Row controls.
Trading password information is fed back to background server 3 by S303: mobile communication equipment 2；
The trading password information that mobile communication equipment 2 is sent by S304: background server 3 is verified.
S4, background server 3 complete checking to trading password information, and notify that mobile communication equipment 2 is handed over
Easily payment result.
Specifically, background server 3 completes checking to trading password, completes transaction, background server 3
With banking system communication, complete the change to IC card chip 1321 accounts information, and Transaction Information is sent out
Giving mobile communication equipment 2, mobile communication equipment 2 communicates with earphone 1, completes card chip 1321
The change of accounts information.
Although having been described for the preferred embodiment of the application, but those skilled in the art once knowing
Basic creative concept, then can make other change and amendment to these embodiments.So, appended power
Profit requires to be intended to be construed to include preferred embodiment and fall into all changes and the amendment of the application scope.
Obviously, those skilled in the art can carry out various change and modification without deviating from the application to the application
Spirit and scope.So, if the application these amendment and modification belong to the application claim and
Within the scope of its equivalent technologies, then the application is also intended to comprise these change and modification.
Claims (10)
1. the earphone with payment function, it is characterised in that described earphone includes housing, power supply, control
Device processed, communicator, described power supply, control device, communicator are positioned at described housing, described
Power supply, communicator are connected with described control device,
Described power supply, for powering to described earphone；
Described control device, for realizing each function of described earphone；
Described communicator, for communicating with other equipment.
2. as claimed in claim 1 with the earphone of payment function, it is characterised in that described control device
Including micro processor, apparatus, payment mechanism, storage device, button assembly, described payment mechanism, deposit
Storage device, button assembly are connected with described micro processor, apparatus,
Described micro processor, apparatus, for realizing the control function of described earphone；
Described payment mechanism, for realizing the payment function of described earphone；
Described storage device, for storing the key of described earphone, algorithm information；
Described button assembly, for realizing the confirmation of described earphone, cancellation, volume adjusting, on and off switch
Function.
3. as claimed in claim 2 with the earphone of payment function, it is characterised in that described microprocessor
Hardware timer it is provided with, the setting of the soft clock in described earphone on device.
4. as claimed in claim 2 with the earphone of payment function, it is characterised in that described payment mechanism
On be provided with IC card chip, described IC card chip is provided with safety chip, described IC card chip with
NFC function.
5. as claimed in claim 1 with the earphone of payment function, it is characterised in that described communicator
It is provided with data transmission device, audio decoding apparatus, power amplification device, described data transmission device, audio frequency
Decoding apparatus, power amplification device are connected by wire,
Described data transmission device, for realizing the communications of data；
Described audio decoding apparatus, for the Audio Processing of described sound；
Described power amplification device, for the playing function of described earphone.
6. as claimed in claim 4 with the earphone of payment function, it is characterised in that described data are transmitted
Device can be blue-tooth device or tone frequency channel wire, and the described earphone with payment function passes through blue-tooth device or sound
Frequently line realizes the communications of data.
7. as claimed in claim 1 with the earphone of payment function, it is characterised in that described power supply is for filling
Electricity battery or aneroid battery.
8. the using method with the earphone of payment function, it is characterised in that described method includes as follows
Step:
S1, earphone is attached with mobile communication equipment, it is achieved pairing；
S2, read the accounts information of IC card chip on a mobile communications device；
Accounts information is fed back to background server by S3, mobile communication equipment, and inputs trading password, after
Trading password is verified by station server；
S4, background server complete checking to trading password information, and notify mobile communication equipment transaction
Pay result.
9. the using method of the earphone with payment function as claimed in claim 8, it is characterised in that institute
State step S1 and include following sub-step:
S101, earphone and mobile communication equipment are carried out pairing by data transmission device it is connected；
S102, the payment software opened in mobile communication equipment, mobile communication equipment passes through payment software will
Login password is sent to earphone；
The login password that mobile communication equipment is sent by S103, earphone is verified, it may be judged whether by testing
Card, if being verified, performs step S104, if checking is not passed through, and the IC card chip in earphone and shifting
Dynamic communication equipment matches unsuccessfully；
IC card chip in S104, earphone and mobile communication equipment successful matching；
IC card chip in S105, earphone terminates with mobile communication equipment pairing.
10. the using method of the earphone with payment function as claimed in claim 8, it is characterised in that
Described step S3 includes following sub-step:
The accounts information of IC card chip is checked by S301: mobile communication equipment, and by accounts information
Feed back to background server；
S302: user inputs trading password on a mobile communications device, and mobile communication equipment starts hardware meter
Time device, open soft clock；
Trading password information is fed back to background server by S303: mobile communication equipment；
The trading password information that mobile communication equipment is sent by S304: background server is verified.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610240780.6A CN105931043A (en) | 2016-04-18 | 2016-04-18 | Earphone with payment function, and application method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610240780.6A CN105931043A (en) | 2016-04-18 | 2016-04-18 | Earphone with payment function, and application method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105931043A true CN105931043A (en) | 2016-09-07 |
Family
ID=56838333
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610240780.6A Pending CN105931043A (en) | 2016-04-18 | 2016-04-18 | Earphone with payment function, and application method thereof |
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| Country | Link |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109409898A (en) * | 2018-11-13 | 2019-03-01 | 爱宝达科技(深圳)有限公司 | A method of game is carried out by earphone and is supplemented with money |
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| CN204390293U (en) * | 2015-01-28 | 2015-06-10 | 中国工商银行股份有限公司 | A kind of bluetooth earphone, Bluetooth of mobile phone payment authentication system |
| CN104869490A (en) * | 2014-02-21 | 2015-08-26 | 中国银联股份有限公司 | Remote payment method based on wireless earphone with mobile payment function |
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104869490A (en) * | 2014-02-21 | 2015-08-26 | 中国银联股份有限公司 | Remote payment method based on wireless earphone with mobile payment function |
| CN104574068A (en) * | 2015-01-28 | 2015-04-29 | 中国工商银行股份有限公司 | Bluetooth earphone and mobile phone Bluetooth payment authentication system and method |
| CN204390293U (en) * | 2015-01-28 | 2015-06-10 | 中国工商银行股份有限公司 | A kind of bluetooth earphone, Bluetooth of mobile phone payment authentication system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109409898A (en) * | 2018-11-13 | 2019-03-01 | 爱宝达科技(深圳)有限公司 | A method of game is carried out by earphone and is supplemented with money |
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Application publication date: 20160907 |
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