CN104091261A - Financial payment terminal, mobile terminal, data transmission method and data processing method - Google Patents
Financial payment terminal, mobile terminal, data transmission method and data processing method Download PDFInfo
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- CN104091261A CN104091261A CN201410366609.0A CN201410366609A CN104091261A CN 104091261 A CN104091261 A CN 104091261A CN 201410366609 A CN201410366609 A CN 201410366609A CN 104091261 A CN104091261 A CN 104091261A
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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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- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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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Abstract
The embodiment of the invention discloses a financial payment terminal, a mobile terminal, a data transmission method and a data processing method. The financial payment terminal comprises a preprocessing unit, an information processing unit and a communication unit. The preprocessing unit is used for receiving signals which are sent by the mobile terminal according to the wireless technology and carry useful information, and converting the signals into digital signals, wherein the useful information is acquired by the mobile terminal from an on-line payment platform and a third-party platform and bound to preset operation. The information processing unit is used for carrying out information processing on the digital signals to obtain the useful information. The communication unit is used for providing the acquired useful information for the one-line payment platform so that the one-line payment platform can execute the operation bound to the useful information. Thus, the financial payment terminal is in communication with the mobile terminal through the wireless technology signals so as to acquire the useful information, and therefore more ways are provided for the financial payment terminal to acquire the useful information.
Description
Technical field
The present invention relates to communication technical field, more particularly, relate to financial payment terminal, mobile terminal, data transmission method and data processing method.
Background technology
The financial payment terminals such as POS machine, ATM are multi-functional terminal ends, it can be arranged on the franchised business of bank card (for example credit card, debit card) and accept in site, be unified into network with (can be described as payment platform on line) such as bank background servers, realize electronic funds automatic account transfer, it has the functions such as the consumption of support, pre-authorization, inquiry into balance and account transfer, uses safety, quick, reliable.
But above-mentioned financial payment terminal can only obtain useful information by the mode of user card punching or plug-in card at present mostly, as user is not with card, financial payment terminal cannot assisting users complete operation.Therefore the mode that, existing financial payment terminal obtains useful information needs to expand.
Summary of the invention
In view of this, the object of the embodiment of the present invention is to provide financial payment terminal, mobile terminal, data transmission method and data processing method, obtains the mode of useful information to expand financial payment terminal.
For achieving the above object, the embodiment of the present invention provides following technical scheme:
According to the first aspect of the embodiment of the present invention, a kind of financial payment terminal is provided, comprising:
Pretreatment unit, adopts signal that wireless technology is sent, carrying useful information for mobile terminal receive, and described signal is converted to digital signal; Described useful information is that described mobile terminal payment platform or third-party platform from line obtain; Described useful information is bound mutually with predetermined registration operation;
Information process unit, for described digital signal is carried out to information processing, obtains described useful information;
Communication unit, for the useful information that payment platform provides described information process unit to obtain on described line, so that payment platform is carried out the operation of binding mutually with described useful information on described line.
In conjunction with first aspect, in the possible implementation of the first, the signal that described mobile terminal sends is acoustic signals, described acoustic signals carrying useful information, and through FSK modulation; Described pretreatment unit comprises: receiving element, and the acoustic signals sending for mobile terminal receive, is converted to analog electrical signal output by described acoustic signals; FSK demodulating unit, for the analog electrical signal of input is carried out to FSK demodulation process, obtains digital signal output.
In conjunction with the possible implementation of first aspect the first, in the possible implementation of the second, described FSK demodulating unit comprises: bandpass filtering unit, for described analog electrical signal is carried out to bandpass filtering; Frequency discrimination unit, carries out frequency discrimination for the analog electrical signal to after bandpass filtering, obtains digital signal output.
In conjunction with first aspect first or the possible implementation of the second, in the third possible implementation, described information process unit comprises: data check unit, for the digital signal of described FSK demodulating unit output is carried out to data check; Decryption processing unit, is decrypted processing for the digital signal to verification succeeds, obtains the useful information after deciphering.
According to the second aspect of the embodiment of the present invention, a kind of mobile terminal is provided, comprising:
Acquiring unit, obtains useful information for payment platform from line or third-party platform; Described useful information is bound mutually with predetermined registration operation;
Transmitting element, for generating the signal of the described useful information of carrying, and adopt wireless technology to send to financial payment terminal, so that described financial payment terminal provides described useful information to payment platform on described line, by the operation that payment platform on described line is carried out and described useful information is bound mutually.
According to the third aspect of the embodiment of the present invention, a kind of data transmission method is provided, comprising:
Signal that financial payment terminal mobile terminal receive employing wireless technology is sent, carrying useful information, and described signal is converted to digital signal; Described useful information is that described mobile terminal payment platform or third-party platform from line obtain; Described useful information is bound mutually with predetermined registration operation;
Described financial payment terminal carries out information processing to described digital signal, obtains described useful information;
Described financial payment terminal provides described useful information to payment platform on described line, so that payment platform is carried out the operation of binding mutually with described useful information on described line.
In conjunction with the third aspect, in the possible implementation of the first, the signal that described mobile terminal sends is acoustic signals, described acoustic signals carrying useful information, and through FSK modulation; The described digital signal that is converted to comprises: described acoustic signals is converted to analog electrical signal; Described analog electrical signal is carried out to FSK demodulation process, obtain digital signal.
In conjunction with the possible implementation of second aspect the first, in the possible implementation of the second, described FSK demodulation process comprises: described analog electrical signal is carried out to bandpass filtering; Analog electrical signal after bandpass filtering is carried out to frequency discrimination.
In conjunction with the third aspect first or the possible implementation of the second, in the third possible implementation, described information processing comprises: described digital signal is carried out to data check, and the digital signal of verification succeeds is decrypted to processing, obtain the useful information after deciphering.
According to the fourth aspect of the embodiment of the present invention, a kind of data processing method is provided, comprising:
Mobile terminal payment platform or third-party platform from line obtain useful information; Described useful information is bound mutually with predetermined registration operation;
Described mobile terminal generates the signal of the described useful information of carrying, and adopts wireless technology to send to financial payment terminal;
Described financial payment terminal receives described mobile terminal and adopts signal that wireless technology is sent, carrying useful information, and described signal is converted to digital signal;
Described financial payment terminal carries out information processing to described digital signal, obtains described useful information;
The useful information that described financial payment terminal provides described information process unit to obtain to payment platform on described line;
On described line, payment platform is carried out the operation of binding mutually with described useful information.
Visible, in embodiments of the present invention, between financial payment terminal and mobile terminal, can adopt wireless technology signal to carry out communication, and then obtain useful information, thereby expand financial payment terminal and obtain the mode of useful information.
Brief description of the drawings
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 skill in the art, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
The financial payment terminal structural representation that Fig. 1 provides for the embodiment of the present invention;
The mobile terminal structure schematic diagram that Fig. 2 provides for the embodiment of the present invention;
Another structural representation of financial payment terminal that Fig. 3 provides for the embodiment of the present invention;
The another structural representation of financial payment terminal that Fig. 4 provides for the embodiment of the present invention;
The another structural representation of financial payment terminal that Fig. 5 provides for the embodiment of the present invention;
The another structural representation of financial payment terminal that Fig. 6 provides for the embodiment of the present invention;
The another structural representation of financial payment terminal that Fig. 7 provides for the embodiment of the present invention;
The another structural representation of financial payment terminal that Fig. 8 provides for the embodiment of the present invention;
The data transmission method process flow diagram that Fig. 9 provides for the embodiment of the present invention;
The data processing method process flow diagram that Figure 10 provides for the embodiment of the present invention.
Embodiment
For making object, technical scheme and the advantage of the embodiment of the present invention clearer, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiment.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtaining under creative work prerequisite, belong to the scope of protection of the invention.
Financial payment terminal can only obtain useful information by the mode of user card punching or plug-in card at present mostly, and as user is not with card, financial payment terminal cannot assisting users complete operation.Therefore, the mode of obtaining useful information of existing financial payment terminal is more single, needs to expand.
In addition, the application scenarios of financial payment terminal is also confined to payment (on-site payment) under line at present.
For addressing the above problem, the embodiment of the present invention provides financial payment terminal.The services such as above-mentioned financial payment terminal can participate in providing the whole people of Unionpay to pay, POS is logical.
Fig. 1 shows a kind of example arrangement of above-mentioned financial payment terminal 100, and it can comprise:
Pretreatment unit 101, adopts signal that wireless technology is sent, carrying useful information for mobile terminal receive, and above-mentioned signal is converted to digital signal.
Wherein, above-mentioned mobile terminal can be smart mobile phone, panel computer etc.
Wireless technology specifically can be the technology such as NFC (Near Field Communication, close range wireless communication), sound wave, bluetooth, infrared, Quick Response Code scanning.
Above-mentioned useful information is that mobile terminal payment platform or third-party platform from line obtain.So-called third-party platform, specifically can be Alipay, micro-letter, bank's background server etc.APP can be installed in mobile terminal, complete the information interaction between financial payment terminal 100, and the information interaction of payment platform or third-party platform on mobile terminal and line.
Useful information specifically can be authorization code, bank's card number, transaction sequence number, user profile, commodity identification code etc.
In addition, useful information can be bound mutually with predetermined registration operation, and on line, payment platform can be stored the binding relationship of this useful information and predetermined registration operation.
That mobile terminal is obtain from third-party platform in the situation that at useful information, on line payment platform need to the made an appointment binding relationship of useful information and predetermined registration operation of third-party platform, because follow-up financial payment terminal 100 can be communicated by letter with payment platform on line, therefore, above-mentioned binding relationship can be stored on line on payment platform.
Information process unit 102, for above-mentioned digital signal is carried out to information processing, obtains above-mentioned useful information;
In actual applications, if useful information is bank's card number, transaction sequence number etc., for safety, useful information is through encrypting.In addition,, for considerations such as reliabilities, also can in useful information, add checking data.
Therefore the information processing that, information process unit 102 is made may comprise data check and/or deciphering etc.This paper is follow-up also will carry out concrete introduction.
Communication unit 103, for the useful information that payment platform provides information process unit 102 to obtain on above-mentioned line, so that payment platform is carried out the operation of binding mutually with above-mentioned useful information on line.
The operation of binding specifically can be bank card delivery operation, account balance delivery operation, note validating etc. mutually.Follow-up being introduced herein.
In contrast should, refer to Fig. 2, a kind of example arrangement of the mobile terminal 200 providing for the embodiment of the present invention, it can comprise:
Acquiring unit 201, obtains useful information for payment platform from line or third-party platform;
Above-mentioned useful information is bound mutually with predetermined registration operation;
Transmitting element 202, for generating the signal of the above-mentioned useful information of carrying, and adopt wireless technology to send to financial payment terminal, so that financial payment terminal provides this useful information to payment platform on above-mentioned line, by the operation that payment platform on line is carried out and this useful information is bound mutually.
In embodiments of the present invention, between financial payment terminal and mobile terminal, can adopt wireless technology signal to carry out communication, and then obtain useful information, thereby expansion financial payment terminal obtains the mode of useful information.
Below by the angle so that payment platform interacts on financial payment terminal, mobile terminal, line, point three scenes, to line, the lower combination of reaching the standard grade is described in detail.
Scene one:
User (consumer) has selected commodity or service, suppose to amount to and need 100 yuan of consumption, on line, payment platform generates authorization code (being aforesaid useful information), and authorization code and the operation of 100 yuan that certain account (or bank card) is withholdd are bound mutually, be then sent on user's mobile terminal.More specifically, on line, payment platform can push to authorization code in the APP of customer mobile terminal by instant messaging mode.Or payment platform can be sent to authorization code by short message mode user's mobile terminal on line.
User's operating mobile terminal, gives financial payment terminal with wireless communication mode alternately by the authorization code getting.
Authorization code is sent to payment platform on line by financial payment terminal, withholdd accordingly by payment platform on line.
Afterwards, after withholing successfully, on line, payment platform can notify financial payment terminal to pay successfully, the printable receipt of financial payment terminal, and user's signature, completes trade confirmation.
Scene two:
User (consumer) has installed bank or third party's client (for example micro-letter) in mobile phone, has embedded the logical plug-in unit of POS in bank or third party's client.
User (consumer) has selected commodity or service by bank or third party's client, suppose to amount to and need 100 yuan, the server of bank or third party's client generates authorization code (being aforesaid useful information), and authorization code and the operation of 100 yuan that certain account (bank card) or mobile phone wallet are withholdd are bound mutually, be then sent on user's mobile terminal.
Bank or third party's client call POS are logical, give alternately financial payment terminal with wireless communication mode by the authorization code getting.
Authorization code is sent to payment platform on the line that POS is logical by financial payment terminal, and on the line being led to by POS, payment platform is withholdd accordingly.
Afterwards, after withholing successfully, on the logical line of POS payment platform can notifying bank or the server of third party's client withhold successfully, the server of bank or third party's client reinforms user and withholds successfully.
Certainly, on the logical line of POS, payment platform needs dock with the server of bank or third party's client in advance, appoints the binding relationship of useful information and predetermined registration operation.
In scene one and scene two, with the authorization code (useful information) of the operation binding such as withhold be that user's mobile terminal payment platform or third-party platform from line obtain, at financial payment terminal, useful information is offered on line after payment platform, on line, payment platform can be carried out the operation of binding mutually with useful information.Also, the embodiment of the present invention, utilizes the wireless interaction technology of mobile terminal and financial payment terminal, can reach online and offline combination, realizes mobile non-the accepting of payment that connect at financial payment terminal, the range of application of expansion financial payment terminal.From user perspective, financial payment terminal is by only by swiping the card or plug-in card is realized and withholdd and expanded to and can realized and being withholdd by wireless interaction mode, and its function has also obtained expansion.
Scene three:
User (consumer) has bought bill (for example film ticket) on line, and on line, payment platform, by bill (being aforesaid useful information), and is bound bill and verification operation mutually, is then sent on user's mobile terminal.More specifically, on line, payment platform can push to bill in the APP of customer mobile terminal by instant messaging mode.Or payment platform can be sent to bill by short message mode user's mobile terminal on line.
User arrives the wicket of film city, and operating mobile terminal is given the financial payment terminal of wicket with wireless communication mode alternately by the bill getting.
Bill is sent to payment platform on line by the financial payment terminal of wicket, entered the checking of comparing of the bill receiving and pre-stored bill by payment platform on line.
Afterwards, after being proved to be successful, on line, payment platform can notify financial payment terminal to be proved to be successful, and user can enter viewing district.
In scene three, mobile terminal is by the bill getting on line, offer financial payment terminal by wireless mode, financial payment terminal offers bill payment platform on line again and verifies, can reach online and offline combination, from user perspective, financial payment terminal is by only by swiping the card or plug-in card is realized and withholdd and expanded to and can realize note validating by wireless interaction mode, and the usable range of financial payment terminal has been expanded in the innovation of this technology and business model.
To sum up, from above-mentioned several scenes, useful information is payment platform from line, through the transmission of mobile terminal, financial payment terminal, return payment platform on line, formed useful information on line with line under closed loop mutual, In the view of user, realized mobile non-the accepting of payment of connecing at financial payment terminal.And technical scheme provided by the present invention can, by (financial payment terminal, trade company) under (mobile terminal, personal user) and line on line more effectively combination, experience better user.
Use at present wireless communication technique more widely to have bluetooth (Bluetooth), NFC (Near Field Communication), radio frequency identification (RFID) etc.
But above-mentioned Near Field Communication technology respectively has its deficiency:
Bluetooth need to artificially participate in connecting process of establishing, is not suitable for needing the fast transport application scenarios of (as settled accounts payment etc.).
NFC only has the mobile phone support of part at present, faces the universal problem of mobile phone terminal.
RFID, due to its cheap and comparatively safe reliable technical protocol, is widely used in the small amount payment occasions such as urban transportation card at present.But specific RFID chip need to be implanted or stick to the mobile terminal that user carries, and also needs certain Period of popularization.
For overcoming the shortcoming of above-mentioned near-field communication technology, in other embodiments of the invention, between the equipment of above-mentioned all embodiment, can adopt sound wave to communicate.
Also, the signal that above-mentioned mobile terminal sends is acoustic signals, and acoustic signals has carried useful information.And through FSK (Frequency-shift keying, frequency shift keying) modulation.
Accordingly, refer to Fig. 3, above-mentioned pretreatment unit 101 can comprise following device:
Receiving element 1, the acoustic signals sending for mobile terminal receive, is converted to analog electrical signal output by above-mentioned acoustic signals.
Mobile terminal (especially smart mobile phone) is generally all equipped with loudspeaker, and APP can be installed in mobile terminal, realizes FSK modulation by APP.
In FSK (Frequency-shift keying, frequency shift keying) modulation, modal is Binary Frequency Shift Keying, and its principle is: the frequency of the constant carrier signal of constant amplitude is switched along with the variation of code element.
By way of example, useful signal is binary element.The frequency of the carrier signal of code element 0 (can be described as the first code element) correspondence in this useful signal can be 15000Hz, and the frequency of the carrier signal of code element 1 (can be described as the second code element) correspondence can be 16000Hz.
In the time realizing FSK modulation, CPU operation APP in smart mobile phone, control loudspeaker is 0 o'clock in code element, sends the carrier signal that frequency is 15000Hz (acoustic signals), and be 1 o'clock in code element, send the carrier signal that frequency is 16000Hz (acoustic signals).
Certainly, those skilled in the art, can arrange the concrete frequency of acoustic signals.
Code element 0 corresponding frequency band also can be set, and for example this frequency range can comprise 800Hz, 12000Hz, 17000Hz, and code element 1 corresponding frequency band is set, and for example this frequency range can comprise 850Hz, 12050Hz, 17050Hz.
The acoustic signals that the loudspeaker of smart mobile phone sends, can be received unit 1 and receive and change into simulating signal.
More specifically, receiving element 1 can be microphone.
FSK demodulating unit 2, for the analog electrical signal of input is carried out to FSK demodulation process, obtains digital signal output.
Follow-up will introduction in more detail FSK demodulating unit herein.
In embodiments of the present invention, between mobile terminal and POS machine, adopt acoustic signals to carry out near-field communication.In before carrying out communication, POS machine and movement terminal do not need scanning pairing, and POS machine directly receives acoustic signals and it carried out to the processing such as demodulation, does not need manual operations and wait, thereby can realize fast transport.
In addition, smart mobile phone is installed APP, can carry out the operations such as FSK modulation, and send acoustic signals by loudspeaker, and the general smart mobile phone of loudspeaker is all joined and is got ready.Therefore, compared with NFC, RFID, more universal, do not need to implant or stick specific RFID chip yet.
And, in the embodiment of the present invention, be to send acoustic signals with the discernible frequency of people's ear, therefore, common loudspeaker and microphone just can be used to generate and receive acoustic signals, without generating apparatus and receiving trap are arranged to special requirement, and little to human injury.
In other embodiments of the invention, refer to Fig. 4, above-mentioned FSK demodulating unit can further comprise following device:
Bandpass filtering unit 21, for carrying out bandpass filtering to above-mentioned analog electrical signal.
More specifically, in bandpass filtering unit, can comprise multilevel band-pass filter or filtering circuit.Analog electrical signal is carried out to more accurate bandpass filtering.
Therefore, bandpass filtering unit specifically can be multi-stage bandpass filter unit.
Frequency discrimination unit 22, carries out frequency discrimination for the analog electrical signal to after bandpass filtering, obtains digital signal output.
Frequency discrimination unit 22 can be hardware circuit.More specifically, still taking in code element as 0 o'clock, loudspeaker sends the carrier signal that frequency is 15000Hz (acoustic signals), and is 1 o'clock in code element, it is example that loudspeaker sends the carrier signal that frequency is 16000Hz (acoustic signals).Frequency discrimination unit 22 is for the exportable low level 0 of 15000Hz, to 16000Hz output high level 1.
Certainly, frequency discrimination unit 22 also can adopt other modes to realize separate carrier and useful information from carrier wave, above-mentioned other modes can be software algorithms, also can realize by discriminator circuit, as long as can realize separate carrier and useful information just can, those skilled in the art can carry out flexible design according to actual needs.
In practice, the digital signal that frequency discrimination unit 22 the is exported interference that may superpose.For example, cell-phone bell can make digital signal occur spike burr.
Therefore, in other embodiments of the invention, refer to Fig. 5, above-mentioned FSK demodulating unit also can comprise:
Low-pass filter unit 23, for carrying out low-pass filtering to the digital signal of above-mentioned frequency discrimination unit output.
Low-pass filter unit 23 is similarly hardware circuit.Digital signal after low-pass filtering does not just have spike burr etc. and has disturbed.
In other embodiments of the invention, consider that the analog electrical signal that microphone changes out is fainter, therefore, refer to Fig. 6, above-mentioned financial payment terminal also can comprise: pre-amplifier 4, for the analog electrical signal of above-mentioned microphone output is amplified, and export to multi-stage bandpass filter unit 21.
Pre-amplifier 4 is hardware circuit, and those skilled in the art can design multiple amplifying circuit, and analog electrical signal is amplified.Therefore not to repeat here.
Before address, the information processing that information process unit is made may comprise check sum deciphering etc., therefore, refers to Fig. 7, above-mentioned information process unit can further comprise:
Data check unit 31, for carrying out data check to the digital signal of above-mentioned low-pass filter unit output.
Because acoustic signals is to send with common frequency of sound wave, through ambient noise stack, or packet of the not complete reception of microphone, may cause loss of data.Therefore, must carry out data check receiving after a packet.Method of calibration can be CRC check, LRC verification etc.Therefore not to repeat here.
Decryption processing unit 32, is decrypted processing for the digital signal to verification succeeds, obtains the useful information after deciphering.
Specifically how to decipher the encryption of visible mobile terminal and determine.Do not repeating.
Fig. 8 has provided a kind of common hardware structure of above-mentioned financial payment terminal, and it can comprise: at least one processor 5, for example CPU, at least one network interface 8 or other user interfaces 7, storer 9, at least one communication bus 6.
Communication bus 6 is for realizing the connection communication between these assemblies.This financial payment terminal optionally comprises user interface 7, keyboard or pointing device, for example, trace ball (trackball), touch-sensitive plate or touch sensitive display screen.
Storer 9 may comprise high-speed RAM storer, also may also comprise non-unsettled storer (non-volatile memory), for example at least one magnetic disk memory.
Storer 9 optionally can comprise at least one and be positioned at the memory storage away from aforementioned processing device 5.
In some embodiments, storer 9 has been stored following element, executable module or data structure, or their subset, or their superset:
Operating system 91, comprises various system programs, for realizing various basic businesses and processing hardware based task;
Application program module 92, comprises various application programs, for realizing various applied business.
In application program module 92, include but not limited to information process unit 102 (or data check unit 31 and deciphering processing unit 32).
In addition, application program module 92 also can complete the processing of transaction payment etc.
In addition, above-mentioned financial payment terminal also comprises microphone (receiving element 1), pre-amplifier 4, bandpass filtering unit 21, frequency discrimination unit 22 and low-pass filter unit 23.
To, taking useful information as commodity identification code is as example, carry out exemplary introduction to the cooperation between above-mentioned each module or unit below.
Step 1, cell-phone customer terminal obtains a string commodity identification code by platform, through encrypting, adding after checking data, carries out FSK modulation, the external repeat playing of acoustic signals then being modulated by the loudspeaker handle of mobile phone.
Step 2, the microphone 1 of financial payment terminal is received the acoustic signals that mobile phone terminal sends, and acoustic signals is converted to faint analog electrical signal.
Step 3, the analog electrical signal that microphone 1 is exported is through prime amplifying unit 4, and faint analog electrical signal is amplified to suitable multiple, exports to multi-stage bandpass filter unit 21.
Step 4, multi-stage bandpass filter unit 21 is filtered out the part of non-common sound frequency range in analog electrical signal, forms the signal that contains handset identity code information, and exports to frequency discrimination unit 22.
Step 5, frequency discrimination unit 22 carries out frequency discrimination processing, is formed with the digital signal of use.
Step 6, useful digital signal is carried out filtering through low-pass filter unit, forms clean digital signal.
Step 7, the application program in processor 5 invokes application modules 92, carries out data check, and the data of verification succeeds is decrypted to computing, obtains identification code.
Afterwards, above-mentioned identification code and the identification code on other means of communications of process and platform are compared judgement by the application program that processor 5 can call in application program module 92.
Afterwards, " identification code " that obtain sent to payment platform on line (backstage) by financial payment terminal, obtains detailed payment information, and finally complete payment action.
Visible, in above-mentioned flow process, the hardware device that financial payment terminal need to be used comprises microphone, amplifier, bandpass filter, frequency-discriminating circuit, low-pass filter etc., and hardware cost is very low.
Add present large-area use smart mobile phone, the technical scheme providing to the embodiment of the present invention has been built a good and sturdy foundation stone, and the popularization of scheme is no longer difficult as other Near Field Communication skill schemes.
Corresponding with it, the embodiment of the present invention also provides data transmission method, refers to Fig. 9, and this data transmission method can at least comprise the steps:
S901, financial payment terminal mobile terminal receive employing wireless technology signal that send, carrying useful information, and above-mentioned signal is converted to digital signal.
Wherein, above-mentioned useful information is that mobile terminal payment platform or third-party platform from line obtain, and above-mentioned useful information is bound mutually with predetermined registration operation.
S902, financial payment terminal carry out information processing to above-mentioned digital signal, obtain above-mentioned useful information;
S903, financial payment terminal provide above-mentioned useful information to payment platform on line, so that payment platform is carried out the operation of binding mutually with above-mentioned useful information on line.
Correlative detail refers to aforementioned introduction herein, and therefore not to repeat here.
In other embodiments of the invention, the signal that above-mentioned mobile terminal sends can be acoustic signals (this acoustic signals carrying useful information, and process FSK modulation).
Accordingly, step S901 can refinement comprise following steps:
Above-mentioned acoustic signals is converted to analog electrical signal;
Above-mentioned analog electrical signal is carried out to FSK demodulation process, obtain digital signal.
Detail refers to aforementioned record herein, and therefore not to repeat here.
In other embodiments of the invention, the FSK demodulation process in above-mentioned all embodiment can comprise:
Above-mentioned analog electrical signal is carried out to bandpass filtering;
Analog electrical signal after bandpass filtering is carried out to frequency discrimination.
Detail refers to aforementioned record herein, and therefore not to repeat here.
In other embodiments of the invention, the FSK demodulation process in above-mentioned all embodiment also can comprise: the digital signal obtaining through frequency discrimination is carried out to low-pass filtering.Detail refers to aforementioned record herein, and therefore not to repeat here.
In other embodiments of the invention, the information processing in above-mentioned all embodiment can comprise:
Digital signal through low-pass filtering is carried out to data check, and the digital signal of verification succeeds is decrypted to processing, obtain the useful information after deciphering.Detail refers to aforementioned record herein, and therefore not to repeat here.
In other embodiments of the invention, before carrying out FSK demodulation process, the method in above-mentioned all embodiment also can comprise the steps:
Above-mentioned analog electrical signal is amplified to the analog electrical signal after being amplified.Related content refers to aforementioned record herein, and therefore not to repeat here.
Corresponding with it, the embodiment of the present invention also provides data processing method, refers to Figure 10, and this data processing method can at least comprise the steps:
S101, mobile terminal payment platform (or third-party platform) from line obtains useful information;
Above-mentioned useful information is bound mutually with predetermined registration operation;
S102, above-mentioned mobile terminal generate the signal of the above-mentioned useful information of carrying, and adopt wireless technology to send to financial payment terminal;
S103, above-mentioned financial payment terminal receive above-mentioned mobile terminal and adopt signal that wireless technology is sent, carrying useful information, and above-mentioned signal is converted to digital signal;
S104, above-mentioned financial payment terminal carry out information processing to above-mentioned digital signal, obtain above-mentioned useful information;
S105, above-mentioned financial payment terminal provide above-mentioned useful information to payment platform on above-mentioned line.
On S106, above-mentioned line, payment platform is carried out the operation of binding mutually with above-mentioned useful information.
The software module that the method for describing in conjunction with embodiment disclosed herein or the step of algorithm can directly use hardware, processor to carry out, or the combination of the two is implemented.Software module can be placed in the storage medium of any other form known in random access memory (RAM), internal memory, ROM (read-only memory) (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technical field.
To the above-mentioned explanation of the disclosed embodiments, make professional and technical personnel in the field can realize or use the present invention.To be apparent for those skilled in the art to the multiple amendment of these embodiment, General Principle as defined herein can, in the situation that not departing from the spirit or scope of the present invention, realize in other embodiments.Therefore, the present invention will can not be restricted to these embodiment shown in this article, but will meet the widest scope consistent with principle disclosed herein and features of novelty.
Claims (10)
1. a financial payment terminal, is characterized in that, comprising:
Pretreatment unit, adopts signal that wireless technology is sent, carrying useful information for mobile terminal receive, and described signal is converted to digital signal; Described useful information is that described mobile terminal payment platform or third-party platform from line obtain; Described useful information is bound mutually with predetermined registration operation;
Information process unit, for described digital signal is carried out to information processing, obtains described useful information;
Communication unit, for the useful information that payment platform provides described information process unit to obtain on described line, so that payment platform is carried out the operation of binding mutually with described useful information on described line.
2. financial payment terminal as claimed in claim 1, is characterized in that, the signal that described mobile terminal sends is acoustic signals, described acoustic signals carrying useful information, and through FSK modulation; Described pretreatment unit comprises:
Receiving element, the acoustic signals sending for mobile terminal receive, is converted to analog electrical signal output by described acoustic signals;
FSK demodulating unit, for the analog electrical signal of input is carried out to FSK demodulation process, obtains digital signal output.
3. financial payment terminal as claimed in claim 2, is characterized in that, described FSK demodulating unit comprises:
Bandpass filtering unit, for carrying out bandpass filtering to described analog electrical signal;
Frequency discrimination unit, carries out frequency discrimination for the analog electrical signal to after bandpass filtering, obtains digital signal output.
4. financial payment terminal as claimed in claim 2 or claim 3, is characterized in that, described information process unit comprises:
Data check unit, for carrying out data check to the digital signal of described FSK demodulating unit output;
Decryption processing unit, is decrypted processing for the digital signal to verification succeeds, obtains the useful information after deciphering.
5. a mobile terminal, is characterized in that, comprising:
Acquiring unit, obtains useful information for payment platform from line or third-party platform; Described useful information is bound mutually with predetermined registration operation;
Transmitting element, for generating the signal of the described useful information of carrying, and adopt wireless technology to send to financial payment terminal, so that described financial payment terminal provides described useful information to payment platform on described line, by the operation that payment platform on described line is carried out and described useful information is bound mutually.
6. a data transmission method, is characterized in that, comprising:
Signal that financial payment terminal mobile terminal receive employing wireless technology is sent, carrying useful information, and described signal is converted to digital signal; Described useful information is that described mobile terminal payment platform or third-party platform from line obtain; Described useful information is bound mutually with predetermined registration operation;
Described financial payment terminal carries out information processing to described digital signal, obtains described useful information;
Described financial payment terminal provides described useful information to payment platform on described line, so that payment platform is carried out the operation of binding mutually with described useful information on described line.
7. method as claimed in claim 6, is characterized in that, the signal that described mobile terminal sends is acoustic signals, described acoustic signals carrying useful information, and through FSK modulation;
The described digital signal that is converted to comprises:
Described acoustic signals is converted to analog electrical signal;
Described analog electrical signal is carried out to FSK demodulation process, obtain digital signal.
8. method as claimed in claim 7, is characterized in that, described FSK demodulation process comprises:
Described analog electrical signal is carried out to bandpass filtering;
Analog electrical signal after bandpass filtering is carried out to frequency discrimination.
9. method as claimed in claim 7 or 8, is characterized in that, it is characterized in that, described information processing comprises:
Described digital signal is carried out to data check, and the digital signal of verification succeeds is decrypted to processing, obtain the useful information after deciphering.
10. a data processing method, is characterized in that, comprising:
Mobile terminal payment platform or third-party platform from line obtain useful information; Described useful information is bound mutually with predetermined registration operation;
Described mobile terminal generates the signal of the described useful information of carrying, and adopts wireless technology to send to financial payment terminal;
Described financial payment terminal receives described mobile terminal and adopts signal that wireless technology is sent, carrying useful information, and described signal is converted to digital signal;
Described financial payment terminal carries out information processing to described digital signal, obtains described useful information;
The useful information that described financial payment terminal provides described information process unit to obtain to payment platform on described line;
On described line, payment platform is carried out the operation of binding mutually with described useful information.
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| CN201410366609.0A CN104091261B (en) | 2014-07-29 | 2014-07-29 | financial payment terminal, mobile terminal, data transmission method and data processing method |
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| CN201410366609.0A CN104091261B (en) | 2014-07-29 | 2014-07-29 | financial payment terminal, mobile terminal, data transmission method and data processing method |
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| WO2016192562A1 (en) * | 2015-05-29 | 2016-12-08 | Shanghai Wearapay, Inc. | Method and system of offline contactless mobile payment based on magnetic near field communication |
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