CN107194686B - Voice payment method and system - Google Patents
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- CN107194686B CN107194686B CN201710320284.6A CN201710320284A CN107194686B CN 107194686 B CN107194686 B CN 107194686B CN 201710320284 A CN201710320284 A CN 201710320284A CN 107194686 B CN107194686 B CN 107194686B
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- 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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Abstract
The invention discloses a method and a system for voice payment, wherein the method comprises the following steps: the payment system generates a payment identifier in advance, and feeds the payment identifier back to a first client when the first client processes a payment task; the first client converts the payment identifier into sound information and plays the sound information through a loudspeaker; the second client receives the sound information through a microphone and converts the received sound information into a target identifier; and the second client feeds back the target identification to the payment system, and when the target identification is consistent with the payment identification, the payment system distributes the payment amount of the specified amount to the resource set bound with the second client from the resource set bound with the first client. The technical scheme provided by the invention can improve the payment speed.
Description
Technical Field
The invention relates to the technical field of communication, in particular to a method and a system for voice payment.
Background
With the continuous development of internet technology, people are more and more used to make online payment by using tools such as payment treasures and WeChat. Currently, a sound wave payment method exists for a payment device, and generally, a piece of sound information is continuously played at a mobile phone end of a user, and then a sensor of a merchant receives the sound information and then verifies and collects money. However, the acoustic wave payment method for the payment instrument has the following defects: the played sound information is long, and if a noisy environment is met, the payment can be completed only by playing the sound information for many times, so that the payment speed is too slow.
Disclosure of Invention
In view of the above, an object of the embodiments of the present invention is to provide a method and a system for voice payment, which can improve payment speed. The technical scheme is as follows:
in one aspect, a method of voice payment, the method comprising:
the payment system generates a payment identifier in advance, and feeds the payment identifier back to a first client when the first client processes a payment task;
the first client converts the payment identifier into sound information and plays the sound information through a loudspeaker;
the second client receives the sound information through a microphone and converts the received sound information into a target identifier;
and the second client feeds back the target identification to the payment system, and when the target identification is consistent with the payment identification, the payment system distributes the payment amount of the specified amount to the resource set bound with the second client from the resource set bound with the first client.
Further, the payment identifier generated by the payment system is updated according to a specified period.
Further, the first client converting the payment identifier into sound information includes:
the first client converts the payment identifier into a binary numeric string; wherein the binary digit string is composed of 0 and 1;
replacing 0 and 1 in the binary digit string with a signal of a first frequency and a signal of a second frequency respectively to generate sound information corresponding to the binary digit string; wherein the first frequency is lower than the second frequency.
Further, when the sound information corresponding to the binary digit string is generated, the complementary bit information for verification is added to the sound information.
Further, the range of the first frequency is greater than or equal to 10Hz and less than or equal to 10000 Hz; the second frequency is in a range greater than 10000Hz and less than or equal to 20000 Hz.
Further, the second client converting the received sound information into the target identifier includes:
the second client compares frequency information contained in the sound information with a specified frequency, and when the frequency information is greater than the specified frequency, the frequency information is analyzed to be 1; when the frequency information is less than or equal to the designated frequency, resolving the frequency information into 0 to resolve the sound information into a binary digit string;
performing complement check on the binary digit string to determine the correctness of the binary digit string;
and when the binary numeric string is correct, converting the binary numeric string into a corresponding character string, and taking the character string as the target identifier.
In another aspect, a system for voice payment includes a payment system, a first client, and a second client, wherein:
the payment system is used for generating a payment identifier in advance and feeding back the payment identifier to a first client when the first client processes a payment task;
the first client is used for converting the payment identifier into sound information and playing the sound information through a loudspeaker;
the second client is used for receiving the sound information through a microphone and converting the received sound information into a target identifier; and feeding back the target identification to the payment system, so that when the target identification is consistent with the payment identification, the payment system allocates the payment amount of the specified amount to the resource set bound with the second client from the resource set bound with the first client.
Further, the payment identifier generated by the payment system is updated according to a specified period.
Further, the first client includes:
the binary conversion unit is used for converting the payment identifier into a binary numeric string; wherein the binary digit string is composed of 0 and 1;
a frequency replacing unit, which is used for replacing 0 and 1 in the binary digit string with a signal of a first frequency and a signal of a second frequency respectively so as to generate sound information corresponding to the binary digit string; wherein the first frequency is lower than the second frequency.
Further, the second client includes:
a frequency comparing unit configured to compare frequency information included in the sound information with a specified frequency, and when the frequency information is greater than the specified frequency, analyze the frequency information to 1; when the frequency information is less than or equal to the designated frequency, resolving the frequency information into 0 to resolve the sound information into a binary digit string;
the complement check unit is used for performing complement check on the binary digit string to determine the correctness of the binary digit string;
and the character string conversion unit is used for converting the binary numeric string into a corresponding character string when the binary numeric string is correct, and taking the character string as the target identifier.
The beneficial effects of the invention at least comprise:
the payment system of the invention can generate a unique payment identifier in advance, and the payment identifier can be converted into sound information. Since the payment identifier is generally short and unique, the generated sound information is also short and unique. Therefore, in the payment process, the speed of identifying the sound information can be improved, and the payment accuracy can be ensured due to the uniqueness of the sound information.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a flow chart of a method of voice payment in an embodiment of the present invention;
fig. 2 is a schematic diagram of a system structure of voice payment in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
Referring to fig. 1, the present application provides a method for voice payment, the method comprising:
s1: the payment system generates a payment identifier in advance, and feeds the payment identifier back to a first client when the first client processes a payment task;
s2: the first client converts the payment identifier into sound information and plays the sound information through a loudspeaker;
s3: the second client receives the sound information through a microphone and converts the received sound information into a target identifier;
s4: and the second client feeds back the target identification to the payment system, and when the target identification is consistent with the payment identification, the payment system distributes the payment amount of the specified amount to the resource set bound with the second client from the resource set bound with the first client.
Wherein the resource set may characterize an amount of money in a bank card.
In this embodiment, the payment identifier generated by the payment system is updated according to a specified period.
In this embodiment, the converting, by the first client, the payment identifier into sound information includes:
the first client converts the payment identifier into a binary numeric string; wherein the binary digit string is composed of 0 and 1;
replacing 0 and 1 in the binary digit string with a signal of a first frequency and a signal of a second frequency respectively to generate sound information corresponding to the binary digit string; wherein the first frequency is lower than the second frequency.
In the present embodiment, when generating the audio information corresponding to the binary number string, complementary bit information for verification is added to the audio information.
In the present embodiment, the range of the first frequency is greater than or equal to 10Hz and less than or equal to 10000 Hz; the second frequency is in a range greater than 10000Hz and less than or equal to 20000 Hz.
In this embodiment, the converting, by the second client, the received sound information into the target identifier includes:
the second client compares frequency information contained in the sound information with a specified frequency, and when the frequency information is greater than the specified frequency, the frequency information is analyzed to be 1; when the frequency information is less than or equal to the designated frequency, resolving the frequency information into 0 to resolve the sound information into a binary digit string;
performing complement check on the binary digit string to determine the correctness of the binary digit string;
and when the binary numeric string is correct, converting the binary numeric string into a corresponding character string, and taking the character string as the target identifier.
Specifically, the design process may be:
1. initiating a payment system;
2. requiring the user to define the bank card;
3. the system generates a KEY for payment in advance (the KEY is changed regularly);
4. when the user A needs to pay, the key is converted into a sound file through splitting;
5. playing by the user A through a loudspeaker;
6. when the user B needs to collect the money, the system is opened;
7. the user B receives the sound of the user A through the microphone;
8. the system splits the sound file;
9. converting the file back to a corresponding key after splitting;
10. and finally, confirming the transaction to a bank payment system through the key.
In the transaction system, there is a master key, and the master key can be used to make payment for the transaction. This key is time efficient. And this key is composed of a number and a letter (0-9, a-Z, A-Z).
In this embodiment, this may be converted from numbers and letters, with the first step being conversion to the 2-ary system. The final result may be: 10000011101010100110001100110000100. The converted data is only (0, 1).
After the converted 2-system is taken, 0 can be replaced by low frequency, 1 is replaced by high frequency, so that a sound file is generated, and a complementary bit is added during generation to prevent verification.
The range of sound waves sent by the loudspeaker is designed to be 10-20000Hz, low frequency below 10000Hz is set, high frequency above 10000Hz is set, and finally the loudspeaker plays the sound waves in a certain sequence.
In the present embodiment, the device that receives this piece of sound analyzes the piece of sound, and converts the piece of sound back to a 2-ary system by setting 10000Hz or less to a low frequency and 10000Hz or more to a high frequency. During which a bit complement check is performed to determine the correctness of the data. After taking 2, it is converted back to the original key.
In addition, when playing sound, some music is mixed, and when playing music, high and low frequency music tracks are added, so that the music cannot be greatly different from common music in sound.
In practical implementation, the hearing range of human ears is 20Hz to 20000Hz, and a normal person can generally hear about 15000Hz, so that the high frequency (high level) is actually set at about 16000Hz, the normal person can not hear the music, and the music can be well mixed with the high frequency.
Referring to fig. 2, the present application further provides a system for voice payment, which includes a payment system 100, a first client 200, and a second client 300, wherein:
the payment system 100 is configured to generate a payment identifier in advance, and feed back the payment identifier to a first client when the first client processes a payment task;
the first client 200 is configured to convert the payment identifier into sound information, and play the sound information through a speaker;
the second client 300 is configured to receive the sound information through a microphone, and convert the received sound information into a target identifier; and feeding back the target identification to the payment system, so that when the target identification is consistent with the payment identification, the payment system allocates the payment amount of the specified amount to the resource set bound with the second client from the resource set bound with the first client.
In this embodiment, the payment identifier generated by the payment system is updated according to a specified period.
In this embodiment, the first client includes:
the binary conversion unit is used for converting the payment identifier into a binary numeric string; wherein the binary digit string is composed of 0 and 1;
a frequency replacing unit, which is used for replacing 0 and 1 in the binary digit string with a signal of a first frequency and a signal of a second frequency respectively so as to generate sound information corresponding to the binary digit string; wherein the first frequency is lower than the second frequency.
In this embodiment, the second client includes:
a frequency comparing unit configured to compare frequency information included in the sound information with a specified frequency, and when the frequency information is greater than the specified frequency, analyze the frequency information to 1; when the frequency information is less than or equal to the designated frequency, resolving the frequency information into 0 to resolve the sound information into a binary digit string;
the complement check unit is used for performing complement check on the binary digit string to determine the correctness of the binary digit string;
and the character string conversion unit is used for converting the binary numeric string into a corresponding character string when the binary numeric string is correct, and taking the character string as the target identifier.
The beneficial effects of the invention at least comprise:
the payment system of the invention can generate a unique payment identifier in advance, and the payment identifier can be converted into sound information. Since the payment identifier is generally short and unique, the generated sound information is also short and unique. Therefore, in the payment process, the speed of identifying the sound information can be improved, and the payment accuracy can be ensured due to the uniqueness of the sound information.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.
Claims (8)
1. A method of voice payment, the method comprising:
the payment system generates a payment identifier in advance, and feeds the payment identifier back to a first client when the first client processes a payment task; updating the payment identifier generated by the payment system according to a specified period;
the first client converts the payment identifier into sound information and plays the sound information through a loudspeaker;
the second client receives the sound information through a microphone and converts the received sound information into a target identifier;
and the second client feeds back the target identification to the payment system, and when the target identification is consistent with the payment identification, the payment system distributes the payment amount of the specified amount to the resource set bound with the second client from the resource set bound with the first client.
2. The method of claim 1, wherein the first client converting the payment identifier into voice information comprises:
the first client converts the payment identifier into a binary numeric string; wherein the binary digit string is composed of 0 and 1;
replacing 0 and 1 in the binary digit string with a signal of a first frequency and a signal of a second frequency respectively to generate sound information corresponding to the binary digit string; wherein the first frequency is lower than the second frequency.
3. The method according to claim 2, wherein, when generating the sound information corresponding to the binary number string, complementary bit information for verification is added to the sound information.
4. The method of claim 2, wherein the first frequency ranges from greater than or equal to 10Hz and less than or equal to 10000 Hz; the second frequency is in a range greater than 10000Hz and less than or equal to 20000 Hz.
5. The method of claim 1, wherein the second client converting the received voice information into the target identifier comprises:
the second client compares frequency information contained in the sound information with a specified frequency, and when the frequency information is greater than the specified frequency, the frequency information is analyzed to be 1; when the frequency information is less than or equal to the designated frequency, resolving the frequency information into 0 to resolve the sound information into a binary digit string;
performing complement check on the binary digit string to determine the correctness of the binary digit string;
and when the binary numeric string is correct, converting the binary numeric string into a corresponding character string, and taking the character string as the target identifier.
6. A system for voice payment, the system comprising a payment system, a first client, and a second client, wherein:
the payment system is used for generating a payment identifier in advance and feeding back the payment identifier to a first client when the first client processes a payment task; updating the payment identifier generated by the payment system according to a specified period;
the first client is used for converting the payment identifier into sound information and playing the sound information through a loudspeaker;
the second client is used for receiving the sound information through a microphone and converting the received sound information into a target identifier; and feeding back the target identification to the payment system, so that when the target identification is consistent with the payment identification, the payment system allocates the payment amount of the specified amount to the resource set bound with the second client from the resource set bound with the first client.
7. The system of claim 6, wherein the first client comprises:
the binary conversion unit is used for converting the payment identifier into a binary numeric string; wherein the binary digit string is composed of 0 and 1;
a frequency replacing unit, which is used for replacing 0 and 1 in the binary digit string with a signal of a first frequency and a signal of a second frequency respectively so as to generate sound information corresponding to the binary digit string; wherein the first frequency is lower than the second frequency.
8. The system of claim 6, wherein the second client comprises:
a frequency comparing unit configured to compare frequency information included in the sound information with a specified frequency, and when the frequency information is greater than the specified frequency, analyze the frequency information to 1; when the frequency information is less than or equal to the designated frequency, resolving the frequency information into 0 to resolve the sound information into a binary digit string;
the complement check unit is used for performing complement check on the binary digit string to determine the correctness of the binary digit string;
and the character string conversion unit is used for converting the binary numeric string into a corresponding character string when the binary numeric string is correct, and taking the character string as the target identifier.
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| PT1327230E (en) * | 2000-10-18 | 2005-10-31 | Ultra Proizv Elektronskih Napr | SYSTEM FOR EXCHANGE OF PAYMENT DATA AND PAYMENT TERMINAL DEVICE FOR USE ON THE SAME |
| CN102355308A (en) * | 2011-06-24 | 2012-02-15 | 软库创投（北京）科技有限公司 | Information transmission method, receiving method and terminal equipment |
| CN103049849A (en) * | 2012-12-24 | 2013-04-17 | 江苏乐买到网络科技有限公司 | Electronic payment system |
| CN103761648A (en) * | 2014-02-11 | 2014-04-30 | 中国银行股份有限公司 | Sound wave payment method and related devices |
| CN106157022A (en) * | 2016-06-28 | 2016-11-23 | 成都育芽科技有限公司 | A kind of payment platform guard system processed based on acoustic coded and means of defence |
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Address after: 510000 unit 03-05, room 1601, No. 12, Zhujiang East Road, Tianhe District, Guangzhou City, Guangdong Province (office use only) Patentee after: Guangzhou saiyiyecai Technology Co.,Ltd. Address before: 510000 unit 03-05, room 1601, No. 12, Zhujiang East Road, Tianhe District, Guangzhou, Guangdong Patentee before: GUANGZHOU ENERGY BOX TECHNOLOGY Co.,Ltd. |