CN103955822A - Method for mobile payment by transmitting data through variable frequency sound waves - Google Patents
Method for mobile payment by transmitting data through variable frequency sound waves Download PDFInfo
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- CN103955822A CN103955822A CN201410209610.2A CN201410209610A CN103955822A CN 103955822 A CN103955822 A CN 103955822A CN 201410209610 A CN201410209610 A CN 201410209610A CN 103955822 A CN103955822 A CN 103955822A
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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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention discloses a method for mobile payment by transmitting data through variable frequency sound waves. The method includes the steps that an initiator sends transaction data to a server end to obtain an encrypted transaction conversation ID; the sound waves to be detected are played, and transmission frequency is analyzed and determined; the transaction conversation ID is encoded through the frequency to generate an audio fingerprint; frequency information and the audio fingerprint are played in a sound wave signal mode in a specific format; signal frequency is recognized after a sound wave signal is monitored by a receiver; the audio fingerprint is decoded at the determined frequency to obtain the transaction conversation ID; the encrypted transaction conversation ID is decoded to obtain an initial transaction conversation ID and send the initial transaction conversation ID to the server end, and the server end feeds back initial transaction data; transaction information or identity information is determined, and a transaction is finished. The sound wave information is transmitted by means of a loudspeaker and a microphone matched with an intelligent mobile device, special hardware supports are not needed, use cost of a whole system is lowered, and market popularization is facilitated.
Description
Technical field
Patent of the present invention relates to a kind of method of carrying out mobile payment by variable ratio frequency changer sound wave transmission data, and the method is mainly used in mobile payment field, uses the mobile devices such as smart mobile phone, PAD to carry out closely without cardization, paying.
Background technology
Along with the progress at full speed of the mobile device performances such as the flourish and smart mobile phone of mobile e-business, PAD, make on implement business EC O2O(line with line under in conjunction with) become possibility.And carry out near field payment by mobile devices such as mobile phones, be to realize the requisite important step of O2O.
The implementation that near field pays at present comprises: paste non-card, NFC mobile phone terminal, audio port card reader, SimPass, intelligent SD card, bar code Quick Response Code etc. of connecing outward.There is following problem in existing these modes: 1, needs specialized hardware support or terminal device is had to special requirement; 2, the production cost of specialized hardware is higher, is unfavorable for popularizing; 3, cannot compatible all mobile devices.
Alipay released " sound wave payment " in the end of the year 2013, substantially solved the problem of hardware-dependent, but it deposits problem both ways: 1, use fixed frequency sound wave, be vulnerable to disturb cause Fail Transaction; 2, be subject to the restriction of Alipay own service pattern, must initiate transaction by paying party, do not meet the use habit of traditional trade company.
Summary of the invention
For the weak point existing in above-mentioned technology, the invention provides a kind of low to hardware requirement, the method and system of transmission data stabilization reliable mobile payment.
For achieving the above object, the invention provides a kind of method of carrying out mobile payment by variable ratio frequency changer sound wave transmission data, comprise following step:
Step 1, initiator obtains by sending on transaction data the transaction session ID that encrypts after service end;
Step 2, play to detect sound wave, and carries out from recording, analyzes recording result, finds the highest one group of signal to noise ratio (S/N ratio) as transmission frequency;
Step 3, encodes transaction session ID to generate audio-frequency fingerprint by this frequency;
Step 4, by frequency information and audio-frequency fingerprint according to the rules form in acoustic signals mode, play;
Step 5, take over party listens to after acoustic signals, and signal frequency is identified;
Step 6, adopts the frequency consistent with transmit leg to carry out the decoding of audio-frequency fingerprint, obtains encrypting transaction session ID;
Step 7, is decrypted encrypting transaction session ID, obtains sending service end on original transaction session ID, and service end is returned to original transaction data;
Step 8, confirms Transaction Information or identity information, completes transaction.
Wherein, described initiator is beneficiary, carries out cash register operation, and described step 8, comprises following two steps,
The first step, payer checks the errorless rear input payment cipher of payment information and confirms payment, and paying party client is to service end payment request;
Second step, service end is carried out payment processes by bank paying gateway, returns to payment result to receiving, pay the bill both sides, completes transaction.
Wherein, described initiator is paying party, carries out the operation of transferring accounts, and described step 8, comprises following three steps,
The first step, service end sends to paying party service end for checking payee's identity information;
Second step, payer checks the errorless rear input payment cipher of paying party identity information and confirms payment, and paying party client is to service end payment request;
The 3rd step, service end is carried out payment processes by bank paying gateway, returns to payment result to receiving, pay the bill both sides, completes transaction.
Wherein, in described step 2, the detection sound wave of broadcasting is five built-in class frequency sounds.
The high frequency sound wave of the good concealment that wherein, described detection sound wave is transmitting procedure.
Compared to prior art, method of carrying out mobile payment by variable ratio frequency changer sound wave transmission data provided by the invention, adopt the technical solution of pure software, utilize loudspeaker and the microphone of the Intelligent mobile equipment standard configurations such as mobile phone, PAD can transmit information of acoustic wave, do not need the support of specialized hardware, greatly reduce the implementation cost of whole system, be conducive to marketing universal; Mobile device itself is not had to high request, can compatible most of Intelligent mobile equipments, even the Android mobile phone of low side also can normally use this mobile payment function; Adopt frequency conversion technology of acoustic wave to improve signal to noise ratio (S/N ratio), guarantee data transmission precise and high efficiency, possess good user's experience; Service logic is versatile and flexible, can adapt to various application scenarios, meets traditional trade company and consumer's use habit, reduces user's learning cost.
Accompanying drawing explanation
Fig. 1 is the process flow diagram that carries out the method for mobile payment by variable ratio frequency changer sound wave transmission data provided by the invention;
Fig. 2 is the process flow diagram of the present invention when carrying out cash register operation.
Embodiment
In order more clearly to explain the present invention, below in conjunction with accompanying drawing, the present invention is further described.
Refer to Fig. 1, a kind of method of carrying out mobile payment by variable ratio frequency changer sound wave transmission data provided by the invention, comprises following step:
Step 1, initiator obtains by sending on transaction data the transaction session ID that encrypts after service end;
Step 2, play to detect sound wave, and carries out from recording, analyzes recording result, finds the highest one group of signal to noise ratio (S/N ratio) as transmission frequency;
Step 3, encodes transaction session ID to generate audio-frequency fingerprint by this frequency;
Step 4, by frequency information and audio-frequency fingerprint according to the rules form in acoustic signals mode, play;
Step 5, take over party listens to after acoustic signals, and signal frequency is identified;
Step 6, adopts the frequency consistent with transmit leg to carry out the decoding of audio-frequency fingerprint, obtains encrypting transaction session ID;
Step 7, is decrypted encrypting transaction session ID, obtains sending service end on original transaction session ID, and service end is returned to original transaction data;
Step 8, confirms Transaction Information or identity information, completes transaction.
Compared to prior art, method of carrying out mobile payment by variable ratio frequency changer sound wave transmission data provided by the invention, adopt the technical solution of pure software, utilize loudspeaker and the microphone of the Intelligent mobile equipment standard configurations such as mobile phone, PAD can transmit information of acoustic wave, do not need the support of specialized hardware, greatly reduce the implementation cost of whole system, be conducive to marketing universal; Mobile device itself is not had to high request, can compatible most of Intelligent mobile equipments, even the Android mobile phone of low side also can normally use this mobile payment function; According to the frequency of sound wave of environmental noise automatic adaptation the best, possess good user's experience, can strengthen signal to noise ratio (S/N ratio) according to environmental noise situation on the one hand, improve communication reliability, frequency due to each transmission is not quite similar on the other hand, has greatly increased the difficulty of illegally intercepting; Service logic is versatile and flexible, can adapt to various application scenarios, meets traditional trade company and consumer's use habit, reduces user's learning cost.
Specifically, detect the high frequency sound wave of the good concealment that sound wave is transmitting procedure.Approach hyperacoustic high frequency sound wave and cannot see to can not touch also and be difficult for being heard to possess stronger disguise, can guarantee the security of data transmission.
In the present embodiment, in step 2, the detection sound wave of broadcasting is five built-in class frequency sounds.Built-in five class frequency sounds in software, to determine transmission frequency.Certainly, this is only a specific embodiment of the present invention, and the quantity of frequency tone of the present invention is not limited in this, also can be other quantity.
Method of carrying out mobile payment by variable ratio frequency changer sound wave transmission data provided by the invention, initiator can be both beneficiary, also can be beneficiary.
Refer to Fig. 2, when initiator is beneficiary, carry out cash register operation, cash register comprises following nine steps:
1, cashier inputs the transaction data such as gathering project, the amount of money in system interface, and beneficiary client will be sent service end on transaction data, and service end is preserved transaction data, generates transaction session, and returns to the transaction session ID after encryption;
2, the built-in many class frequencys sound of beneficiary client terminal playing, and carrying out from recording, analyzes recording result, finds the highest one group of signal to noise ratio (S/N ratio) as transmission frequency;
3, by definite frequency, to encrypting transaction session ID, encode, produce audio-frequency fingerprint;
4, with the continuant (five select) of duration 50ms as frequency signal, play required wave file loop play with audio-frequency fingerprint combination results;
5, paying party client is monitored acoustic signals, and parses frequency signal;
6, by definite frequency, audio-frequency fingerprint is decoded, obtain encrypting transaction session ID;
7, to encrypting transaction session ID, be decrypted, obtain sending service end on original transaction session ID, service end is returned to original transaction data;
8, payer checks the errorless rear input payment cipher confirmation payment of payment information, and paying party client is to service end payment request;
9, service end is carried out payment processes by bank paying gateway, returns to payment result to receiving, pay the bill both sides, completes transaction.
When initiator is paying party, carry out the operation of transferring accounts, transfer accounts and comprise following ten steps:
1, payer inputs the transaction data such as pay item, the amount of money in system interface, and paying party client will be sent service end on transaction data, and service end is preserved transaction data, generates transaction session, and returns to the transaction session ID after encryption;
2, the built-in many class frequencys sound of paying party client terminal playing, and carrying out from recording, analyzes recording result, finds the highest one group of signal to noise ratio (S/N ratio) as transmission frequency;
3, by definite frequency, to encrypting transaction session ID, encode, produce audio-frequency fingerprint;
4, with the continuant (five select) of duration 50ms as frequency signal, play required wave file loop play with audio-frequency fingerprint combination results;
5, beneficiary client is monitored acoustic signals, and parses frequency signal;
6, by definite frequency, audio-frequency fingerprint is decoded, obtain encrypting transaction session ID;
7, to encrypting transaction session ID, be decrypted, obtain sending service end on original transaction session ID, service end is returned to original transaction data;
8, service end sends to paying party service end for checking payee's identity information;
9, payer checks the errorless rear input payment cipher confirmation payment of paying party identity information, and paying party client is to service end payment request;
10, service end is carried out payment processes by bank paying gateway, returns to payment result to receiving, pay the bill both sides, completes transaction.
Disclosed is above only several specific embodiment of the present invention, but the present invention is not limited thereto, and the changes that any person skilled in the art can think of all should fall into protection scope of the present invention.
Claims (5)
1. by variable ratio frequency changer sound wave, transmit the method that data are carried out mobile payment, it is characterized in that, comprise following step:
Step 1, initiator obtains by sending on transaction data the transaction session ID that encrypts after service end;
Step 2, play to detect sound wave, and carries out from recording, analyzes recording result, finds the highest one group of signal to noise ratio (S/N ratio) as transmission frequency;
Step 3, encodes transaction session ID to generate audio-frequency fingerprint by this frequency;
Step 4, by frequency information and audio-frequency fingerprint according to the rules form in acoustic signals mode, play;
Step 5, take over party listens to after acoustic signals, and signal frequency is identified;
Step 6, adopts the frequency consistent with transmit leg to carry out the decoding of audio-frequency fingerprint, obtains encrypting transaction session ID;
Step 7, is decrypted encrypting transaction session ID, obtains sending service end on original transaction session ID, and service end is returned to original transaction data;
Step 8, confirms Transaction Information or identity information, completes transaction.
2. method of carrying out mobile payment by variable ratio frequency changer sound wave transmission data according to claim 1, is characterized in that, described initiator is beneficiary, carries out cash register operation, and described step 8 comprises following two steps,
The first step, payer checks the errorless rear input payment cipher of payment information and confirms payment, and paying party client is to service end payment request;
Second step, service end is carried out payment processes by bank paying gateway, returns to payment result to receiving, pay the bill both sides, completes transaction.
3. method of carrying out mobile payment by variable ratio frequency changer sound wave transmission data according to claim 1, is characterized in that, described initiator is paying party, carries out the operation of transferring accounts, and described step 8 comprises following three steps,
The first step, service end sends to paying party service end for checking payee's identity information;
Second step, payer checks the errorless rear input payment cipher of paying party identity information and confirms payment, and paying party client is to service end payment request;
The 3rd step, service end is carried out payment processes by bank paying gateway, returns to payment result to receiving, pay the bill both sides, completes transaction.
4. method of carrying out mobile payment by variable ratio frequency changer sound wave transmission data according to claim 1, is characterized in that, in described step 2, the detection sound wave of broadcasting is five built-in class frequency sounds.
5. method of carrying out mobile payment by variable ratio frequency changer sound wave transmission data according to claim 1, is characterized in that the high frequency sound wave of the good concealment that described detection sound wave is transmitting procedure.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201410209610.2A CN103955822A (en) | 2014-05-19 | 2014-05-19 | Method for mobile payment by transmitting data through variable frequency sound waves |
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| CN201410209610.2A CN103955822A (en) | 2014-05-19 | 2014-05-19 | Method for mobile payment by transmitting data through variable frequency sound waves |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104318752A (en) * | 2014-11-14 | 2015-01-28 | 陈尚卫 | Method and system for behavior data acquisition based on high-frequency acoustic waves |
| CN105243541A (en) * | 2015-11-13 | 2016-01-13 | 广西米付网络技术有限公司 | BLE Bluetooth and sound wave combined mobile payment method and system |
| CN106096968A (en) * | 2016-06-24 | 2016-11-09 | 南京紫米网络科技有限公司 | A kind of payment platform guard system based on trambling acoustic coded technology |
| CN107133790A (en) * | 2017-04-10 | 2017-09-05 | 上海汇尔通信息技术有限公司 | A kind of method of payment and system |
| CN107274173A (en) * | 2017-05-11 | 2017-10-20 | 吴世贵 | A kind of sound wave payment method |
| CN107480980A (en) * | 2016-06-08 | 2017-12-15 | 阿里巴巴集团控股有限公司 | A kind of method of virtual resource allocation, server and system |
| CN111640441A (en) * | 2020-05-22 | 2020-09-08 | 佛山市云立方互动科技有限公司 | Audio signal analysis method, service providing method, electronic device, server, and storage medium |
| CN113673982A (en) * | 2021-08-25 | 2021-11-19 | 苏州触达信息技术有限公司 | Electronic payment method using ultrasonic sound waves to replace two-dimensional codes |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104318752A (en) * | 2014-11-14 | 2015-01-28 | 陈尚卫 | Method and system for behavior data acquisition based on high-frequency acoustic waves |
| CN105243541A (en) * | 2015-11-13 | 2016-01-13 | 广西米付网络技术有限公司 | BLE Bluetooth and sound wave combined mobile payment method and system |
| CN107480980A (en) * | 2016-06-08 | 2017-12-15 | 阿里巴巴集团控股有限公司 | A kind of method of virtual resource allocation, server and system |
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| CN107133790A (en) * | 2017-04-10 | 2017-09-05 | 上海汇尔通信息技术有限公司 | A kind of method of payment and system |
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| CN111640441A (en) * | 2020-05-22 | 2020-09-08 | 佛山市云立方互动科技有限公司 | Audio signal analysis method, service providing method, electronic device, server, and storage medium |
| CN113673982A (en) * | 2021-08-25 | 2021-11-19 | 苏州触达信息技术有限公司 | Electronic payment method using ultrasonic sound waves to replace two-dimensional codes |
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