CN103761648A - Sound wave payment method and related devices - Google Patents
Sound wave payment method and related devices Download PDFInfo
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- CN103761648A CN103761648A CN201410048049.4A CN201410048049A CN103761648A CN 103761648 A CN103761648 A CN 103761648A CN 201410048049 A CN201410048049 A CN 201410048049A CN 103761648 A CN103761648 A CN 103761648A
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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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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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B11/00—Transmission systems employing sonic, ultrasonic or infrasonic waves
Abstract
The embodiment of the invention discloses a sound wave payment method and related devices. The sound wave payment method includes the steps of obtaining transaction data information of a current transaction through a sending terminal, modulating the transaction data information into a transaction sound signal, sending the transaction sound signal to a receiving terminal to enable the receiving terminal to receive the transaction sound signal, extracting the transaction data information from the transaction sound signal, sending the transaction data information to a background, and completing the current transaction through a second account according to first account information sent by the background and the transaction data information. Visibly, transaction information is converted into the sound signal to be transmitted between the mobile terminals of the two parties of the transaction through microphones and telephone receivers, the microphones and the telephone receivers are arranged on all the mobile terminals, and therefore the application range is wide; in addition, only the transaction information is contained in the sound signal transmitted between the mobile terminals, sensitive information such as passwords of users or accounts can not be contained, and the high safety performance is achieved.
Description
Technical field
The present invention relates to communication field, particularly relate to a kind of sound wave method of payment and relevant apparatus.
Background technology
Development along with internet, means of payment of today slowly change and use electronic equipment to carry out the online E-Payment forms such as net purchase from the form of payment of the entity class such as paying in cash in the past, and except being usually used in the computer of net purchase, mobile terminal has also all possessed the ability of paying by mails now substantially, and mobile terminal is applied to payment technical field has become a current basic living technical ability.
Yet use at present mobile terminal to pay by mails to be all generally and serve both parties and do not meet mutually in other words under the payment sight on line, on this line, payment technology is very ripe, yet for the situation of concluding the business under line, how with mobile terminal, to pay and also not there is at present the modes of payments efficiently.
Summary of the invention
In order to solve the problems of the technologies described above, the invention provides a kind of sound wave method of payment and relevant apparatus, in the mode of sound wave, effectively carry out paying under line.
The embodiment of the invention discloses following technical scheme:
A sound wave method of payment, is applied to mobile terminal, comprising:
Transmitting terminal obtains the transaction data information of current transaction, and described transaction data information comprises current Transaction Information;
Described transmitting terminal is modulated into transaction voice signal to described transaction data information;
Described transmitting terminal sends described transaction voice signal by sound sending module to described receiving end, so that described receiving end receives described transaction voice signal by sound receiver module, from described transaction voice signal, extract described transaction data information, send described transaction data information to backstage, so that described backstage first accounts information corresponding according to described transaction data acquisition of information, the first accounts information and the described transaction data information that according to backstage, send are used the second account to complete current transaction.
Preferably, obtain the transaction data information of current transaction at described transmitting terminal before, also comprise:
Described transmitting terminal is sent to backstage by current Transaction Information and user profile;
So that generating described transaction data information and return to described transaction data information according to described current Transaction Information, described backstage turns back to described transmitting terminal;
So that described backstage obtains the first corresponding accounts information according to described user profile.
Preferably, described transmitting terminal is modulated into transaction voice signal to described transaction data information, comprising:
Described transmitting terminal is assembled into described transaction data information the message of default form;
Described transmitting terminal carries out transcoding by described message, obtains binary signal;
Described transmitting terminal is modulated into described transaction voice signal by described binary signal.
Preferably, described transmitting terminal also comprises before sending described transaction voice signal by sound sending module to described receiving end:
Described transmitting terminal will be sneaked into background music in described transaction voice signal;
Accordingly, the described transaction voice signal that described transmitting terminal is sneaked into background music by the transmission of sound sending module is to described receiving end.
Preferably, described transmitting terminal sends described transaction voice signal by sound sending module to described receiving end, comprising:
Described transmitting terminal is circulated in the given time and sends described transaction voice signal to described receiving end by sound sending module.
A sound wave payment mechanism, is applied to mobile terminal, comprising:
Acquiring unit, for obtaining the transaction data information of current transaction, described transaction data information comprises current Transaction Information;
Modulating unit, for being modulated into transaction voice signal to described transaction data information;
Transmitting element, for sending described transaction voice signal by sound sending module to described receiving end, so that described receiving end receives described transaction voice signal by sound receiver module, from described transaction voice signal, extract described transaction data information, send described transaction data information to backstage, make described backstage first accounts information corresponding according to described transaction data acquisition of information, receive the first accounts information that backstage sends, and use the second account to complete current transaction according to described transaction data information, to described transmitting terminal, returned to the confirmation of current transaction.
Preferably, also comprise:
User profile transmitting element, for before triggering acquiring unit, is sent to backstage by current Transaction Information and user profile;
So that generating described transaction data information and return to described transaction data information according to described current Transaction Information, described backstage turns back to described transmitting terminal;
So that described backstage obtains the first corresponding accounts information according to described user profile.
A sound wave method of payment, is applied to mobile terminal, comprising:
Receiving end obtains by sound receiver module the transaction voice signal that transmitting terminal sends, and described transaction voice signal is that described transmitting terminal is modulated the transaction data information that comprises current Transaction Information to obtain;
Described receiving end extracts described transaction data information from described transaction voice signal;
Described receiving end sends described transaction data information to backstage, so that described backstage first accounts information corresponding according to described transaction data acquisition of information;
The first accounts information and described transaction data information that described receiving end sends according to backstage are used the second account to complete current transaction.
Preferably, described receiving end extracts described transaction data information from described transaction voice signal, comprising:
Described receiving end converts described transaction voice signal to binary signal;
Described receiving end, by the reverse transcoding of described binary signal, obtains the message of default form;
Described receiving end obtains described transaction data information according to described message.
Preferably, also comprise:
Described backstage completes after current transaction at described receiving end, sends transaction results confirmation respectively to described transmitting terminal and described receiving end.
A sound wave payment mechanism, is applied to mobile terminal, comprising:
Acquiring unit, the transaction voice signal sending for obtain transmitting terminal by sound receiver module, described transaction voice signal is that described transmitting terminal is modulated the transaction data information that comprises current Transaction Information to obtain;
Extraction unit, for extracting described transaction data information from described transaction voice signal;
Transmitting element, for sending described transaction data information to backstage, so that described backstage first accounts information corresponding according to described transaction data acquisition of information;
The unit of having concluded the business, is used the second account to complete current transaction for the first accounts information and the described transaction data information that send according to backstage.
Preferably, described extraction unit, also comprises:
Conversion subelement, for converting described transaction voice signal to binary signal;
Transcoding subelement, for by the reverse transcoding of described binary signal, obtains the message of default form;
Obtain subelement, for obtain described transaction data information according to described message.
A sound wave payment system, is applied to mobile terminal, comprising:
Arbitrary device described in described claim 6 or 7, and,
Arbitrary device described in described claim 11 or 12.
By technique scheme, can be found out, convert Transaction Information to voice signal the microphone all having by all mobile terminals and receiver propagates between both parties' mobile terminal, the scope of application is very large, and only contain Transaction Information for the voice signal of propagating between mobile terminal, and can not comprise the sensitive informations such as password of user or account, there is very high security.A kind of effective and rapid mode of doing business paying with mobile terminal under online is provided thus.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, to the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skills, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is one of method flow diagram of a kind of sound wave method of payment of the present invention;
Fig. 2 be a kind of sound wave method of payment of the present invention method flow diagram two;
Fig. 3 is the method flow diagram of a kind of audio signal modulation of the present invention;
Fig. 4 be a kind of sound wave method of payment of the present invention method flow diagram three;
Fig. 5 be a kind of sound wave method of payment of the present invention method flow diagram four;
Fig. 6 is the signaling diagram of a kind of sound wave method of payment of the present invention;
Fig. 7 is one of structure drawing of device of a kind of sound wave payment mechanism of the present invention;
Fig. 8 be a kind of sound wave payment mechanism of the present invention structure drawing of device two;
Fig. 9 be a kind of sound wave payment mechanism of the present invention structure drawing of device three;
Figure 10 be a kind of sound wave payment mechanism of the present invention structure drawing of device four.
Embodiment
The embodiment of the present invention provides a kind of sound wave method of payment and relevant apparatus.Utilize existing hardware, the microphone that namely mobile terminal has (being sound receiver) and receiver (being sound dispensing device) carry out the transaction under line, convert Transaction Information (such as serial number of current transaction) to voice signal and microphone and receiver by mobile terminal carry out the sending and receiving of acoustic information between both parties' mobile terminal, the scope of application is very large, and only contain Transaction Information for the voice signal of propagating between mobile terminal, and can not comprise the sensitive informations such as password of user or account, there is very high security.A kind of effective and rapid mode of doing business paying with mobile terminal under online is provided thus.
For above-mentioned purpose of the present invention, feature and advantage can be become apparent more, below in conjunction with accompanying drawing, the embodiment of the present invention is described in detail.
Embodiment mono-
The present embodiment, by describing technical scheme of the present invention from the angle of transmitting terminal, refers to Fig. 1, and one of its method flow diagram that is a kind of sound wave method of payment of the present invention, is applied to mobile terminal, and the method comprises the following steps:
S101: transmitting terminal obtains the transaction data information of current transaction, described transaction data information comprises current Transaction Information;
Described transmitting terminal in the present invention generally refers to the beneficiary of initiating current transaction, can be also paying party in some cases certainly, with practical operation situation, determines, and the present invention does not limit this.
Here it should be noted that, described current Transaction Information mainly refers to the serial number obtaining after a side in transaction, or other are for determining the data message of current transaction, and the present invention does not limit this.For described transmitting terminal, how to obtain described transaction data information, will be described in detail in the embodiment shown in Figure 2.
S102: described transmitting terminal is modulated into transaction voice signal to described transaction data information;
To being modulated into voice signal, need to describe, the invention provides a kind of technical scheme that preferably how a data-signal is converted to sound signal, as shown in Figure 3, it is the method flow diagram of a kind of audio signal modulation of the present invention, comprising:
S301: described transmitting terminal is assembled into described transaction data information the message of default form;
Here it should be noted that, described default form refers to puts 1 byte flag position, the length position of 2 bytes, be used to specify message data partial-length, the odd-even check of 1 position, remaining is exactly the assembled form of data division, certainly, can be also other assembled forms of other messages of being convenient to implement technical solution of the present invention.
S302: described transmitting terminal carries out transcoding by described message, obtains binary signal;
The coding pattern that this step is used generally comprises ASCII (American Standard Code for Information Interchange, ASCII) or Chinese Internal Code Specification GBK, can certainly be other coding patterns.
S303: described transmitting terminal is modulated into described transaction voice signal by described binary signal.
S103: described transmitting terminal sends described transaction voice signal by sound sending module to described receiving end, so that described receiving end receives described transaction voice signal by sound receiver module, from described transaction voice signal, extract described transaction data information, send described transaction data information to backstage, so that described backstage first accounts information corresponding according to described transaction data acquisition of information, the first accounts information and the described transaction data information that according to backstage, send are used the second account to complete current transaction.
Here it should be noted that, sound sending module mainly comprises the loudspeaker on mobile terminal, can be also that on mobile terminal, other can be for equipment, the module of sounding, and the present invention does not limit this.
How described receiving end will carry out concrete analysis according to the described transaction acoustic information receiving in embodiment bis-.
For transmitting terminal described in step S101, how to obtain described transaction data information, as shown in Figure 2, two of its method flow diagram that is a kind of sound wave method of payment of the present invention, comprising:
S200: described transmitting terminal is sent to backstage by current Transaction Information and user profile;
So that generating described transaction data information and return to described transaction data information according to described current Transaction Information, described backstage turns back to described transmitting terminal;
So that described backstage obtains the first corresponding accounts information according to described user profile.
Here it should be noted that, the current Transaction Information that this step sends can be the card number etc. of amount of money user first account of transaction, be used for allowing backstage generate accordingly transaction data information (such as transaction journal number), so that transmitting terminal and receiving end carry out subsequent operation according to described transaction journal number.
User profile mainly can comprise that card number, cell-phone number of the first account etc. can prove the information of user identity.By these, can be used for proving the user profile of user identity, backstage can obtain the first corresponding accounts information accordingly, wherein can comprise account owner's the information such as name, so that receiving end is concluded the business according to the first accounts information.
The content of S201 to S203 refer to embodiment illustrated in fig. 1 in description to S101 to S103, repeat no more here.
Due in general, the frequency range of modulating the voice signal obtaining by data message may have certain stimulation concerning human body, or lawless person likely decodes out wherein content by intercepting voice signal, forge transaction etc., therefore to also providing preferred embodiment a kind of in this technical scheme of the present invention, described transmitting terminal also comprises before sending described transaction voice signal by sound sending module to described receiving end:
Described transmitting terminal will be sneaked into background music in described transaction voice signal;
Accordingly, the described transaction voice signal that described transmitting terminal is sneaked into background music by the transmission of sound sending module is to described receiving end.
That is to say, sneak into after background music, the voice signal that transmitting terminal can be sent out by sound sending modules such as loudspeakers can not cause stimulation to the human body of periphery, such as just to listening, sing equally in the process of concluding the business, improve the practicality of technical scheme, and can also improve certain security.But it is also to be noted that, the means that also can modulate sound by improvement reach above-mentioned effect, and it is not necessary whether will in transaction voice signal, sneaking into background music.
Further, when transmitting terminal is play transaction voice signal, likely because external interference, software and hardware problem etc. causes receiving end could not just identify at once the content of described transaction voice signal, therefore in order to improve the success ratio of transaction, the mode that has also proposed a kind of preferred transmission transaction voice signal in technical scheme of the present invention, described transmitting terminal is circulated in the given time and sends described transaction voice signal to described receiving end by sound sending module.By loop play, can, so that off-line transaction mode provided by the present invention can not cause Fail Transaction because of non-technical matterss such as external interference, further improve Transaction Success rate.
By the present embodiment, can find out, convert Transaction Information to voice signal the microphone all having by all mobile terminals and receiver propagates between both parties' mobile terminal, the scope of application is very large, and only contain Transaction Information for the voice signal of propagating between mobile terminal, and can not comprise the sensitive informations such as password of user or account, there is very high security.A kind of effective and rapid mode of doing business paying with mobile terminal under online is provided thus.
Embodiment bis-
The present embodiment, by describing technical scheme of the present invention in the angle of receiving end, refers to Fig. 4, and three of its method flow diagram that is a kind of sound wave method of payment of the present invention, is applied to mobile terminal, comprising:
S401: receiving end obtains by sound receiver module the transaction voice signal that transmitting terminal sends, and described transaction voice signal is that described transmitting terminal is modulated the transaction data information that comprises current Transaction Information to obtain;
Here it should be noted that, sound receiver module mainly comprises the microphone on mobile terminal, or on mobile terminal, other can be for receiving equipment, the module of sound, and the present invention does not limit this.
S402: described receiving end extracts described transaction data information from described transaction voice signal;
It should be noted that if be also mixed with background music in the transaction voice signal receiving, also need first effective voice signal and background music to be made a distinction.The method that extracts transaction data information from transaction voice signal is mainly that transmitting terminal is modulated into transaction data signal the reverse operating of voice signal, a kind of mode of preferably extracting transaction data information from transaction voice signal is provided in technical scheme of the present invention, will be described in detail in the embodiment shown in fig. 5.
S403: described receiving end sends described transaction data information to backstage, so that described backstage first accounts information corresponding according to described transaction data acquisition of information;
Here it should be noted that, described the first accounts information is that backstage obtains according to the step S200 in embodiment illustrated in fig. 2 in embodiment mono-.
S404: the first accounts information and described transaction data information that described receiving end sends according to backstage are used the second account to complete current transaction.
When receiving end obtains after the first accounts information, just obtained the main information of current transaction, (in general the receiving end described in the present invention mainly refers to the paying party of current transaction to receiving end now, certainly can be also beneficiary in some cases, with practical operation situation, determine, the present invention does not limit this) information such as the amount of money that only need to input current transaction can complete current transaction, the step that completes current transaction in this step substantially all belongs to the category of prior art, just repeats no more here.
Step S404 mainly also refers to that the mobile terminal as receiving end is the operation that how current exchange completed, and when the aforesaid operations of receiving end arrives backstage, backstage completes after final processing, and the disposition according to receiving end, also comprises:
Described backstage completes after current transaction at described receiving end, sends transaction results confirmation respectively to described transmitting terminal and described receiving end.
That is to say, by backstage, to described transmitting terminal and described receiving end, send the transaction results confirmation of corresponding current transaction, can allow transmitting terminal and receiving end confirm the stateful transaction (such as Transaction Success or Fail Transaction etc.) of current transaction, and in the situation that transmitting terminal is loop play transaction voice signal, if just received the described transaction results confirmation that backstage sends within the ticket reserving time (such as 5s or 10s), also can wait until that the ticket reserving time just directly stops continuing to play the described transaction voice signal of current transaction.
Next will how from described transaction voice signal, to extract described transaction data information to described receiving end and describe, as shown in Figure 5, four of its method flow diagram that is a kind of sound wave method of payment of the present invention, comprising:
S501 please refer to content described in the step S401 in embodiment illustrated in fig. 4.
S502: described receiving end converts described transaction voice signal to binary signal;
In this step, the voice data sample conversion receiving in transaction voice signal is become to digital signal, again by fast fourier transform (Fast Fourier transform, FFT) and Hanning window (Hanning) calculate time-frequency corresponding relation, the frequency that is loaded with data is intercepted out, by frequency, filter out noise signal.
S503: described receiving end, by the reverse transcoding of described binary signal, obtains the message of default form;
The coding pattern that this step is used generally comprises ASCII or GBK, can certainly be other coding patterns, but the coding form of necessarily using with S302 in embodiment is as shown in Figure 3 identical.
S504: described receiving end obtains described transaction data information according to described message.
It in this step, is also the reverse operating that belongs to the S301 institute using method in embodiment as shown in Figure 3.
S505 and S506 please refer to content described in step S403 in embodiment illustrated in fig. 4 and S404.
Next in connection with the transmitting terminal in embodiment mono-, technical scheme of the present invention is further detailed, as shown in Figure 6, it is the signaling diagram of a kind of sound wave method of payment of the present invention, comprises transmitting terminal, receiving end and backstage:
S601: transmitting terminal is sent to backstage by current Transaction Information and user profile.
S602: described backstage generates described transaction data information and obtains the first corresponding accounts information according to described user profile according to described current Transaction Information.
S603: described transaction data information is returned to described receiving end in described backstage.
Priority execution sequence for step S602 and S603 it should be noted that, backstage is not necessarily need to wait until to obtain after the first accounts information just transaction data information to be returned to receiving end, and backstage is as long as can return to described transaction data information to described receiving end after generating transaction data information.
S604: described transmitting terminal is modulated into transaction voice signal and sends described transaction voice signal by sound sending module to described receiving end described transaction data information.
In this step, the mode that the sends described transaction voice signal transmission that can circulate.
S605: described receiving end obtains by sound receiver module the transaction voice signal that transmitting terminal sends, from described transaction voice signal, extract described transaction data information and by described transaction data information to backstage.
S606: the first accounts information that described backstage is corresponding according to described transaction data acquisition of information, and return to described the first accounts information to described receiving end.
S607: the first accounts information and described transaction data information that described receiving end sends according to backstage are used the second account to complete current transaction.
S608: described receiving end sends trade confirmation information to described backstage.
S609: described backstage sends transaction results confirmation according to transaction results to described receiver section.
S610: described backstage sends transaction results confirmation according to transaction results to described delivery section.
Execution sequence between step S609 and S610 in no particular order, also can complete simultaneously.If step S604 is circulation, send described transaction voice signal, and step S610 completes within ticket reserving time of sending in circulation, step S604 also can complete along with completing of step S610 circulation transmit operation.
As can be seen from the above-described embodiment, convert Transaction Information to voice signal the microphone all having by all mobile terminals and receiver propagates between both parties' mobile terminal, the scope of application is very large, and only contain Transaction Information for the voice signal of propagating between mobile terminal, and can not comprise the sensitive informations such as password of user or account, there is very high security.A kind of effective and rapid mode of doing business paying with mobile terminal under online is provided thus.
Embodiment tri-
The present embodiment is the device embodiment of corresponding embodiment mono-, and as shown in Figure 7, one of its structure drawing of device that is a kind of sound wave payment mechanism of the present invention, is applied to mobile terminal, comprising:
Acquiring unit 701, for obtaining the transaction data information of current transaction, described transaction data information comprises current Transaction Information;
Transmitting element 703, for sending described transaction voice signal by sound sending module to described receiving end, so that described receiving end receives described transaction voice signal by sound receiver module, from described transaction voice signal, extract described transaction data information, send described transaction data information to backstage, make described backstage first accounts information corresponding according to described transaction data acquisition of information, receive the first accounts information that backstage sends, and use the second account to complete current transaction according to described transaction data information, to described transmitting terminal, returned to the confirmation of current transaction.
In the device shown in earlier figures 7, preferred, also comprise user profile transmitting element 801, as shown in Figure 8:
User profile transmitting element 801, for before triggering acquiring unit, is sent to backstage by current Transaction Information and user profile;
So that generating described transaction data information and return to described transaction data information according to described current Transaction Information, described backstage turns back to described transmitting terminal;
So that described backstage obtains the first corresponding accounts information according to described user profile.
Embodiment tetra-
The present embodiment is the device embodiment of corresponding embodiment bis-, and as shown in Figure 9, three of its structure drawing of device that is a kind of sound wave payment mechanism of the present invention, is applied to mobile terminal, comprising:
Acquiring unit 901, the transaction voice signal sending for obtain transmitting terminal by sound receiver module, described transaction voice signal is that described transmitting terminal is modulated the transaction data information that comprises current Transaction Information to obtain;
Transmitting element 903, for sending described transaction data information to backstage, so that described backstage first accounts information corresponding according to described transaction data acquisition of information;
The unit 904 of having concluded the business, is used the second account to complete current transaction for the first accounts information and the described transaction data information that send according to backstage.
In the device shown in earlier figures 9, described extraction unit 902 also can further comprise to be changed subelement 9021, transcoding subelement 9022 and obtains subelement 9023, as shown in figure 10:
Obtain subelement 9023, for obtain described transaction data information according to described message.
Embodiment five
The present embodiment is a kind of sound wave payment system of the present invention, is applied to mobile terminal, comprising:
Arbitrary device described in embodiment tri-, and,
Arbitrary device described in embodiment tetra-.
It should be noted that, one of ordinary skill in the art will appreciate that all or part of flow process realizing in above-described embodiment method, to come the hardware that instruction is relevant to complete by computer program, described program can be stored in a computer read/write memory medium, this program, when carrying out, can comprise as the flow process of the embodiment of above-mentioned each side method.Wherein, described storage medium can be magnetic disc, CD, read-only store-memory body (Read-Only Memory, ROM) or random store-memory body (Random Access Memory, RAM) etc.
Above a kind of sound wave method of payment provided by the present invention and relevant apparatus are described in detail, applied specific embodiment herein principle of the present invention and embodiment are set forth, the explanation of above embodiment is just for helping to understand method of the present invention and core concept thereof; , for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention meanwhile.
Claims (13)
1. a sound wave method of payment, is applied to mobile terminal, it is characterized in that, comprising:
Transmitting terminal obtains the transaction data information of current transaction, and described transaction data information comprises current Transaction Information;
Described transmitting terminal is modulated into transaction voice signal to described transaction data information;
Described transmitting terminal sends described transaction voice signal by sound sending module to described receiving end, so that described receiving end receives described transaction voice signal by sound receiver module, from described transaction voice signal, extract described transaction data information, send described transaction data information to backstage, so that described backstage first accounts information corresponding according to described transaction data acquisition of information, the first accounts information and the described transaction data information that according to backstage, send are used the second account to complete current transaction.
2. method according to claim 1, is characterized in that, before obtaining the transaction data information of current transaction, also comprises at described transmitting terminal:
Described transmitting terminal is sent to backstage by current Transaction Information and user profile;
So that generating described transaction data information and return to described transaction data information according to described current Transaction Information, described backstage turns back to described transmitting terminal;
So that described backstage obtains the first corresponding accounts information according to described user profile.
3. method according to claim 1, is characterized in that, described transmitting terminal is modulated into transaction voice signal to described transaction data information, comprising:
Described transmitting terminal is assembled into described transaction data information the message of default form;
Described transmitting terminal carries out transcoding by described message, obtains binary signal;
Described transmitting terminal is modulated into described transaction voice signal by described binary signal.
4. according to the method described in claims 1 to 3 any one, it is characterized in that, described transmitting terminal also comprises before sending described transaction voice signal by sound sending module to described receiving end:
Described transmitting terminal will be sneaked into background music in described transaction voice signal;
Accordingly, the described transaction voice signal that described transmitting terminal is sneaked into background music by the transmission of sound sending module is to described receiving end.
5. method according to claim 1, is characterized in that, described transmitting terminal sends described transaction voice signal by sound sending module to described receiving end, comprising:
Described transmitting terminal is circulated in the given time and sends described transaction voice signal to described receiving end by sound sending module.
6. a sound wave payment mechanism, is applied to mobile terminal, it is characterized in that, comprising:
Acquiring unit, for obtaining the transaction data information of current transaction, described transaction data information comprises current Transaction Information;
Modulating unit, for being modulated into transaction voice signal to described transaction data information;
Transmitting element, for sending described transaction voice signal by sound sending module to described receiving end, so that described receiving end receives described transaction voice signal by sound receiver module, from described transaction voice signal, extract described transaction data information, send described transaction data information to backstage, make described backstage first accounts information corresponding according to described transaction data acquisition of information, receive the first accounts information that backstage sends, and use the second account to complete current transaction according to described transaction data information, to described transmitting terminal, returned to the confirmation of current transaction.
7. device according to claim 6, is characterized in that, also comprises:
User profile transmitting element, for before triggering acquiring unit, is sent to backstage by current Transaction Information and user profile;
So that generating described transaction data information and return to described transaction data information according to described current Transaction Information, described backstage turns back to described transmitting terminal;
So that described backstage obtains the first corresponding accounts information according to described user profile.
8. a sound wave method of payment, is applied to mobile terminal, it is characterized in that, comprising:
Receiving end obtains by sound receiver module the transaction voice signal that transmitting terminal sends, and described transaction voice signal is that described transmitting terminal is modulated the transaction data information that comprises current Transaction Information to obtain;
Described receiving end extracts described transaction data information from described transaction voice signal;
Described receiving end sends described transaction data information to backstage, so that described backstage first accounts information corresponding according to described transaction data acquisition of information;
The first accounts information and described transaction data information that described receiving end sends according to backstage are used the second account to complete current transaction.
9. method according to claim 8, is characterized in that, described receiving end extracts described transaction data information from described transaction voice signal, comprising:
Described receiving end converts described transaction voice signal to binary signal;
Described receiving end, by the reverse transcoding of described binary signal, obtains the message of default form;
Described receiving end obtains described transaction data information according to described message.
10. method according to claim 8, is characterized in that, also comprises:
Described backstage completes after current transaction at described receiving end, sends transaction results confirmation respectively to described transmitting terminal and described receiving end.
11. 1 kinds of sound wave payment mechanisms, are applied to mobile terminal, it is characterized in that, comprising:
Acquiring unit, the transaction voice signal sending for obtain transmitting terminal by sound receiver module, described transaction voice signal is that described transmitting terminal is modulated the transaction data information that comprises current Transaction Information to obtain;
Extraction unit, for extracting described transaction data information from described transaction voice signal;
Transmitting element, for sending described transaction data information to backstage, so that described backstage first accounts information corresponding according to described transaction data acquisition of information;
The unit of having concluded the business, is used the second account to complete current transaction for the first accounts information and the described transaction data information that send according to backstage.
12. devices according to claim 11, is characterized in that, described extraction unit, also comprises:
Conversion subelement, for converting described transaction voice signal to binary signal;
Transcoding subelement, for by the reverse transcoding of described binary signal, obtains the message of default form;
Obtain subelement, for obtain described transaction data information according to described message.
13. 1 kinds of sound wave payment systems, are applied to mobile terminal, it is characterized in that, comprising:
Arbitrary device described in described claim 6 or 7, and,
Arbitrary device described in described claim 11 or 12.
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