WO2015169107A1 - Password keyboard, payment system and payment method therefor - Google Patents

Abstract

A password keyboard, a payment system and a payment method therefor. The password keyboard (1) comprises a keyboard body, a key input assembly and a communication interface, wherein the key input assembly comprises a numeric key mapping module (201) and a functional key mapping module (202), and the password keyboard also comprises a sound wave processing assembly (10) and a data processing chip (30), the sound wave processing assembly (10) being electrically connected to the data processing chip (30), and the data processing chip (30) being electrically connected to a POS terminal (3) through a communication interface (40); the sound wave processing assembly (10) comprises a sound wave receiving module (101), a sound wave filtering module (102), a sound wave amplification module (103) and a sound wave sampling module (104), the sound wave receiving module (101) being electrically connected to the sound wave filtering module (102), the sound wave filtering module (102) being electrically connected to the sound wave amplification module (103), and the sound wave amplification module (103) being electrically connected to the sound wave sampling module (104); and the data processing chip (30) comprises a sound wave parsing module and a key generation module.

Description

Password keyboard, payment system and payment method thereof

Technical field

The present invention relates to the field of electronic payment technologies, and in particular, to a PIN pad, a payment system, and a payment method.

Background technique

With the emergence of emerging payment methods, the traditional payment methods have been slightly single. Personal portable payment has become a hot topic in future electronic payments. This requires traditional payment methods to be self-sufficient, to be constantly updated, to be closely integrated with emerging payment methods, to take advantage of the solid advantages of traditional payments, and to occupy a larger market share in emerging payment opportunities.

The PIN pad is one of the indispensable computer external devices for the financial checkout system. It is widely used in communication, government, transportation, government, industry and commerce, taxation, supermarket and other service industries, with the banking system. POS Used in machine and management systems. The password keyboard in the traditional payment is used as a key input device, which is mainly used to input a password, has a single function, and has no multifunctional application. As a new mobile payment method, Sonic Pay is compatible with all kinds of smartphones on the market. PAD . The solution of sound wave payment mainly includes payment methods such as mobile phone to vending machine. The method of sound wave payment is easy to be stolen and analyze relevant data, and the security needs to be improved. Second, the communication process is easily interfered by external sounds. In view of this, it is necessary to further improve the above-mentioned PIN pad, integrate the sonic payment, and take advantage of both to eliminate the shortcomings of both.

Summary of the invention

The technical problem to be solved by the present invention is to provide a cryptographic keyboard, a payment system and a payment method thereof that are safe and reliable and support sound wave payment.

In order to solve the above technical problem, the technical solution adopted by the present invention is to provide a cryptographic keyboard, which includes a keyboard body, a key input component and a communication interface, and the key input component includes a digital key module and a function key module. The method further includes an acoustic processing component and a data processing chip, wherein the acoustic processing component is electrically connected to the data processing chip, and the data processing chip passes through a communication interface. POS The sound wave processing component includes an acoustic wave receiving module, an acoustic wave filtering module, a sound wave amplifying module, and a sound wave sampling module, wherein the sound wave receiving module is electrically connected to the sound wave filtering module, and the sound wave filtering module is electrically connected to the sound wave amplifying module. The sound wave amplification module is electrically connected to the sound wave sampling module; the data processing chip includes a sound wave analysis module and a key generation module; the sound wave receiving module is configured to receive an analog signal sent by the electronic device; and the sound wave filter module is used by Filtering the received analog signal, filtering out the interference signal, and improving the signal to noise ratio; the sound wave amplification module is configured to amplify the signal to a preset signal resolution amplitude; the sound wave sampling module is configured to The analog signal is subjected to sampling processing to form a digital signal; the sound wave parsing module is configured to demodulate, decode, and decrypt the digital signal to form a payment signal; the key generation module is configured to generate a key in response to a number entered by the user Signal; the communication interface for using a payment signal and a key letter Into POS terminal.

In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a payment system including an electronic device, a PIN pad, and POS The PIN pad includes a keyboard body, a key input component, and a communication interface, the key input component includes a numeric key module and a function key module, and the electronic device is communicably connected with the PIN pad, and the PIN pad and the PIN pad are POS The terminal is electrically connected; the electronic device includes a payment data generating module, a payment data processing module, and a payment data sending module; the payment data generating module is electrically connected to the payment data processing module; and the payment data processing module and the payment data sending module are electrically The cryptographic keyboard further includes an acoustic wave processing component and a data processing chip, wherein the acoustic wave processing component is electrically connected to the data processing chip, and the data processing chip passes through a communication interface POS The sound wave processing component includes an acoustic wave receiving module, an acoustic wave filtering module, a sound wave amplifying module, and a sound wave sampling module, wherein the sound wave receiving module is electrically connected to the sound wave filtering module, and the sound wave filtering module is electrically connected to the sound wave amplifying module. The sound wave amplification module is electrically connected to the sound wave sampling module; the data processing chip includes a sound wave analysis module and a key generation module; and the payment data generation module is configured to generate payment data used by the transaction according to the sound wave payment operation selected by the user. The payment data processing module is configured to encrypt, encode, and modulate the payment data to form an analog signal; the payment data sending module is configured to send the modulated analog signal to the cryptographic keyboard in a sound wave manner; The sound wave receiving module is configured to receive an analog signal sent by the electronic device; the sound wave filtering module is configured to filter the received analog signal, filter the interference signal, and improve a signal to noise ratio; the sound wave amplifying module is used Amplify the signal to a preset signal resolution range The sound wave sampling module is configured to perform sampling processing on the amplified analog signal to form a digital signal; the sound wave parsing module is configured to perform demodulation, decoding, and decryption processing on the digital signal to form a payment signal; the key generation module Generating a key signal in response to a number entered by the user; the communication interface for feeding the payment signal and the key signal POS Terminal POS The terminal is configured to perform a confirmation transaction on the key signal, and then complete the payment transaction according to the payment signal.

In order to solve the above technical problem, the third technical solution adopted by the present invention is to provide a payment method for a payment system, including the following steps:

, password keyboard response POS The transaction process of the terminal enters the state of sound wave payment to be received, and establishes a communication connection between the PIN pad and the electronic device;

And the electronic device generates the payment data used for the transaction according to the sonic payment operation selected by the user;

Encrypting, encoding, and modulating the payment data in the electronic device, and transmitting the analog signal to the cryptographic keyboard in a sonic manner;

The cryptographic keyboard receives the analog signal and filters and amplifies the analog signal;

And the cryptographic keyboard samples and processes the analog signal after the amplification process to generate a digital signal;

The cryptographic keyboard demodulates, decodes, and decrypts the digital signal to obtain a payment signal and uploads it to POS terminal;

The PIN pad generates a key signal in response to the number entered by the user and uploads it to POS terminal;

, POS After the terminal confirms the key signal, the terminal completes the payment transaction according to the payment signal.

The invention has the beneficial effects that the payment system of the invention is provided with a sonic processing component and a data processing chip on the PIN pad, which can support the sound wave payment of the external electronic device, so that the traditional and emerging technologies are combined, and the user is provided with more payment. Payment options can greatly improve user fluency and satisfaction, and at the same time be compatible with a variety of traditional manual input payments and emerging mobile phones, PAD Such as mobile payment, payment is more convenient, reducing the error rate. In addition, the payment data processing module is arranged on the electronic device and the signal processing module is set on the cryptographic keyboard to encrypt or decrypt the payment data, thereby ensuring the safety and reliability of the sound wave payment.

DRAWINGS

Figure 1 Is a structural block diagram of the cryptographic keyboard of the present invention;

Figure 2 Is a structural block diagram of the acoustic processing component of the present invention;

Figure 3 Is a structural block diagram of the payment system of the present invention;

Figure 4 It is a flow chart of the payment method of the payment system of the present invention.

Label description:

password keyboard, 10- Acoustic processing component, 101- Sound wave receiving module, 102- Acoustic filter module, 103- Sound wave amplification module, 104- Acoustic sampling module, 201- Digital key module, 202- Function key module, 30- Data processing chip, 40- Communication Interface;

Electronic equipment, twenty one- Payment data generation module, twenty two- Payment data processing module, twenty three- Payment data sending module;

terminal.

detailed description

The detailed description of the technical contents, structural features, and the objects and effects of the present invention will be described in detail below with reference to the accompanying drawings.

The most critical idea of the present invention is that the sound wave processing component and the data processing chip are arranged on the cryptographic keyboard, and the manual input payment can be compatible while supporting the sound wave payment, which is safe, reliable, fast and convenient for people's lives.

Please refer to the picture 1 And map 2 The present invention provides a cryptographic keyboard including a keyboard body, a key input component, and a communication interface. 40 The key input component includes a digital key module 201 And function key module 202 Also includes sonic processing components 10 Data processing chip 30 , the sonic processing component 10 Data processing chip 30 Electrical connection, the data processing chip 30 Communication interface 40 versus POS terminal 3 Electrical connection; the acoustic processing component 10 Sound wave receiving module 101 Acoustic filter module 102 Acoustic amplification module 103 Acoustic sampling module 104 The sound wave receiving module 101 Acoustic filter module 102 Electrical connection, the acoustic wave filter module 102 Acoustic amplification module 103 Electrical connection, the sound wave amplification module 103 Acoustic sampling module 104 Electrical connection; the data processing chip 30 The sound wave analysis module and the key generation module are included;

Acoustic wave receiving module 101 For receiving electronic devices 2 Transmitted analog signal; the acoustic wave filtering module 102 , for filtering the received analog signal, filtering out the interference signal, and improving the signal to noise ratio; the sound wave amplification module 103 For amplifying the signal to a preset signal resolution amplitude; the sound sampling module 104 And the sampling process is performed to form a digital signal; the sound wave parsing module is configured to perform demodulation, decoding, and decryption processing on the digital signal to form a payment signal; and the key generation module is configured to respond to the user. The typed number generates a key signal; the communication interface 40 For sending payment signals and key signals POS terminal 3 .

Further, the sound wave receiving module 101 For the microphone, the microphone is disposed in the keyboard body, and the keyboard is provided with a through hole, and the microphone receives an analog signal through the through hole. The microphone is integrated into the keyboard and does not occupy the keyboard vacancy, which is convenient for miniaturization.

Further, the communication interface 40 For serial port or USB interface.

Above, the acoustic signal transmission rate can be reached 1.2kbps Above, compared to most of the current market 200bps The rate is greatly improved, which greatly shortens the transaction time and improves the user experience.

The beneficial effect of the solution is that the sonic processing component is set on the password keyboard. 10 And data processing chip 30 Can support external electronic devices 2 The sonic payment makes traditional and emerging technologies combine to provide users with a variety of payment options, which can greatly improve user's universality and satisfaction, and at the same time be compatible with various traditional manual input payments and emerging mobile phones. PAD Such as mobile payment, payment is more convenient, reducing the error rate. Plus, in electronic devices 2 Payment data processing module twenty two And setting the signal processing module on the PIN pad can encrypt or decrypt the payment data, ensuring the safety and reliability of the sound wave payment. The microphone is integrated into the keyboard and does not occupy the keyboard vacancy, which is convenient for miniaturization.

Please refer to the picture 3 The present invention provides a payment system including an electronic device 2 ,password keyboard 1 as well as POS End, the PIN pad 1 Including keyboard body, key input component, and communication interface 40 The key input component includes a digital key module 201 And function key module 202 , the electronic device 2 And password keyboard 1 Communication connection 1 versus POS Electrical connection; the electronic device 2 Payment data generation module twenty one Payment data processing module twenty two And payment data sending module twenty three The payment data generation module twenty one Payment data processing module twenty two Electrical connection; the payment data processing module twenty two Payment module twenty three Electrical connection 1 Acoustic processing component 10 And data processing chip 30 , the sonic processing component 10 Data processing chip 30 Electrical connection, the data processing chip 30 Communication interface 40 versus POS terminal 3 Electrical connection; the acoustic processing component 10 Sound wave receiving module 101 Acoustic filter module 102 Acoustic amplification module 103 Acoustic sampling module 104 The sound wave receiving module 101 Acoustic filter module 102 Electrical connection, the acoustic wave filter module 102 Acoustic amplification module 103 Electrical connection, the sound wave amplification module 103 Acoustic sampling module 104 Electrical connection; the data processing chip 30 The sound wave analysis module and the key generation module are included;

Payment data generation module twenty one And for generating payment data used by the transaction according to the sound wave payment operation selected by the user; the payment data processing module twenty two And used for encrypting, encoding, and modulating the payment data to form an analog signal; the payment data sending module twenty three For transmitting the modulated analog signal to the cryptographic keyboard by sound wave 1 The sound wave receiving module 101 For receiving electronic devices 2 Transmitted analog signal; the acoustic wave filtering module 102 , for filtering the received analog signal, filtering out the interference signal, and improving the signal to noise ratio; the sound wave amplification module 103 For amplifying the signal to a preset signal resolution amplitude; the sound sampling module 104 And the sampling processing is performed to form a digital signal; the signal parsing module is configured to perform demodulation, decoding, and decryption processing on the digital signal to form a payment signal; and the sound wave parsing module is configured to use the digital signal Performing demodulation, decoding, and decryption processing to form a payment signal; the key generation module configured to generate a key signal in response to a number entered by the user; the communication interface 40 For sending payment signals and key signals POS terminal 3 ; said POS terminal 3 After confirming the key signal, the payment transaction is completed according to the payment signal.

Further, the payment data sending module twenty three For the speaker, the speaker is 10kHZ-20kHZ Frequency of the analog signal sent out, the sound wave receiving module 101 For the microphone, the microphone is disposed in the keyboard body, and the keyboard is provided with a through hole, and the microphone receives an analog signal through the through hole. The microphone is integrated into the keyboard and does not occupy the keyboard vacancy, which is convenient for miniaturization.

Further, the electronic device 2 For mobile phones, PAD , tablet or notebook. It should be noted that in addition to the above electronic devices 2 In addition, it can be other electronic devices with speakers.

The beneficial effects of the solution are: using an electronic device to send an analog signal to the cryptographic keyboard in a sound wave manner, and adding a sound wave receiving module and a signal processing module on the PIN pad, capable of receiving and processing the analog signal to form a payment signal, and passing through the user. Type a digitally generated key signal on the PIN pad to confirm the security of the payment, and finally POS The terminal completes the payment transaction, which combines the traditional and emerging technologies, provides a variety of payment options for the user to pay, can greatly improve the user's universality and satisfaction, and at the same time is compatible with various traditional manual input payment and emerging mobile phones, PAD Such as mobile payment, payment is more convenient, reducing the error rate. In addition, the payment data processing module is arranged on the electronic device and the signal processing module is set on the cryptographic keyboard to encrypt or decrypt the payment data, thereby ensuring the safety and reliability of the sound wave payment. In addition, the microphone is integrated in the keyboard, does not occupy the keyboard vacancy, and is convenient for miniaturization design.

See picture 4 The present invention provides a payment method for a payment system, including the following steps.

, password keyboard response POS The transaction process of the terminal enters the state of sound wave payment to be received, and establishes a communication connection between the PIN pad and the electronic device;

And the electronic device generates the payment data used for the transaction according to the sonic payment operation selected by the user;

Encrypting, encoding, and modulating the payment data in the electronic device, and transmitting the analog signal to the cryptographic keyboard in a sonic manner;

The cryptographic keyboard receives the analog signal and filters and amplifies the analog signal;

And the cryptographic keyboard samples and processes the analog signal after the amplification process to generate a digital signal;

The cryptographic keyboard demodulates, decodes, and decrypts the digital signal to obtain a payment signal;

The PIN pad generates a key signal in response to the number entered by the user and uploads it to POS terminal;

, POS After the terminal confirms the key signal, the terminal completes the payment transaction according to the payment signal.

Further, in the step of “encrypting, encoding, and modulating the payment data in the electronic device”, the encrypted and encoded payment data is processed by a two-phase or four-phase phase modulation processing method; the step “ The cryptographic keyboard demodulates, decodes, and decrypts the payment signal. The digital signal is demodulated, decoded, and decrypted by a two-phase or four-phase phase modulation demodulation method. Data transmission adopts phase modulation modulation, which can be adopted as needed 2 phase, 4 In a different way, even if the signal is recorded, it is not easy to be cracked. Due to the phase modulation method adopted by the present invention, the transmission rate can be greatly improved, and sufficient data capacity can be encrypted to encrypt the useful data in the transaction time allowed by the user, and the data packet structure is improved to make the data less. Easy to be cracked.

Further, the frequency of the analog signal is 10kHZ-20kHZ . The frequency of the analog signal can be designed according to specific needs, and can be 10kHZ , 15KHZ , 20kHZ Equal frequency points are available.

The beneficial technical effects of the solution are: enabling sound wave payment, ensuring the reliability of payment, meeting design needs, and facilitating people's lives. And the data transmission adopts the modulation mode of phase modulation, which can be adopted as needed. 2 phase, 4 In a different way, even if the signal is recorded, it is not easy to be cracked, which greatly increases the security of sound wave payment.

The above is only the embodiment of the present invention, and is not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformation of the present invention and the contents of the drawings may be directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of the present invention.

Claims (9)

1. A cryptographic keyboard includes a keyboard body, a key input component, and a communication interface, the key input component includes a digital key module and a function key module, and further includes an acoustic wave processing component and a data processing chip, The sound processing component is electrically connected to the data processing chip, and the data processing chip is electrically connected to the POS terminal through the communication interface;

   The sound wave processing component includes an acoustic wave receiving module, an acoustic wave filtering module, a sound wave amplifying module, and a sound wave sampling module, wherein the sound wave receiving module is electrically connected to the sound wave filtering module, the sound wave filtering module is electrically connected to the sound wave amplifying module, and the sound wave is amplified. The module is electrically connected to the sound sampling module;

   The data processing chip includes a sound wave analysis module and a key generation module;

   The sound wave receiving module is configured to receive an analog signal sent by the electronic device; the sound wave filtering module is configured to filter the received analog signal, filter the interference signal, and improve a signal to noise ratio; the sound wave amplifying module is used Amplifying the signal to a preset signal resolution amplitude; the sound wave sampling module is configured to sample and process the amplified analog signal to form a digital signal; the sound wave analysis module is configured to demodulate and decode the digital signal, and The decryption process forms a payment signal; the key generation module is configured to generate a key signal in response to a number entered by the user; and the communication interface is configured to send the payment signal and the key signal to the POS terminal.
2. The PIN pad according to claim 1, wherein the sound wave receiving module is a microphone, the microphone is disposed in the keyboard body, and the keyboard is provided with a through hole, and the microphone receives an analog signal through the through hole.
3. The cryptographic keyboard according to claim 1, wherein the communication interface is a serial port or a USB interface.
4. A payment system includes an electronic device, a PIN pad, and a POS end, the PIN pad includes a keyboard body, a key input component, and a communication interface, and the key input component includes a numeric key module and a function key module, The electronic device is communicatively coupled to the PIN pad, and the PIN pad is electrically connected to the POS terminal, wherein

   The electronic device includes a payment data generating module, a payment data processing module, and a payment data sending module; the payment data generating module is electrically connected to the payment data processing module; and the payment data processing module is electrically connected to the payment data sending module;

   The cryptographic keyboard further includes a sonic processing component and a data processing chip, the acoustic processing component is electrically connected to the data processing chip, and the data processing chip is electrically connected to the POS terminal through a communication interface; the acoustic wave processing component includes a sound wave receiving module, The sound wave filtering module, the sound wave amplifying module and the sound wave sampling module, the sound wave receiving module is electrically connected to the sound wave filtering module, the sound wave filtering module is electrically connected to the sound wave amplifying module, and the sound wave amplifying module is electrically connected to the sound wave sampling module;

   The data processing chip includes a sound wave analysis module and a key generation module;

   The payment data generating module is configured to generate payment data used by the transaction according to the sound wave payment operation selected by the user; the payment data processing module is configured to perform encryption, encoding, and modulation processing on the payment data to form an analog signal; a payment data sending module, configured to send the modulated analog signal to the cryptographic keyboard in a sound wave manner;

   The sound wave receiving module is configured to receive an analog signal sent by the electronic device; the sound wave filtering module is configured to filter the received analog signal, filter the interference signal, and improve a signal to noise ratio; the sound wave amplifying module is used Amplifying the signal to a preset signal resolution amplitude; the sound wave sampling module is configured to sample and process the amplified analog signal to form a digital signal; the sound wave analysis module is configured to demodulate and decode the digital signal, and The decryption process forms a payment signal; the key generation module is configured to generate a key signal in response to a number entered by the user; the communication interface is configured to send the payment signal and the key signal to the POS terminal;

   The POS terminal is configured to perform a confirmation process on the key signal, and then complete the payment transaction according to the payment signal.
5. The payment system according to claim 4, wherein the payment data transmitting module is a speaker, and the speaker transmits an analog signal outward at a frequency of 10 kHZ-20 kHZ, the sound wave receiving module is a microphone, and the microphone is The utility model is disposed in the keyboard body, and the keyboard is provided with a through hole, and the microphone receives the analog signal through the through hole.
6. The payment system according to claim 4, wherein the electronic device is a mobile phone, a PAD, a tablet or a notebook.
7. A payment method for a payment system, comprising the following steps,

   S10. The cryptographic keyboard responds to the transaction process of the POS terminal to enter the state of sound wave payment to be received, and establishes a communication connection between the PIN pad and the electronic device;

   S20. The electronic device generates payment data used for the transaction according to the sonic payment operation selected by the user;

   S30. Encrypt, encode, and modulate the payment data in the electronic device, and then send the analog signal to the cryptographic keyboard in a sonic manner;

   S40, the PIN pad receives the analog signal and filters and amplifies the analog signal;

   S50 and a cryptographic keyboard perform sampling processing on the analog signal after filtering and amplifying to generate a digital signal;

   S60, the cryptographic keyboard demodulates, decodes and decrypts the digital signal to obtain a payment signal and uploads it to the POS terminal;

   S70. The PIN pad generates a key signal in response to the number entered by the user and uploads the key signal to the POS terminal;

   S80. After confirming the key signal, the POS terminal completes the payment transaction according to the payment signal.
8. The payment method of a payment system according to claim 7, wherein said step "encryption, encoding, and modulation processing of payment data in an electronic device" is performed by a two-phase or four-phase phase modulation processing method Encrypted and encoded payment data for processing;

   In the step "decryption, decoding and decryption processing of the payment signal by the PIN pad", the digital signal is demodulated, decoded and decrypted by a two-phase or four-phase phase modulation demodulation method.
9. The payment method of a payment system according to claim 7, wherein the frequency of the analog signal is 10 kHZ-20 kHZ.