CN104102993A - Audio-based mobile near field payment system and communication technology - Google Patents
Audio-based mobile near field payment system and communication technology Download PDFInfo
- Publication number
- CN104102993A CN104102993A CN201310111968.7A CN201310111968A CN104102993A CN 104102993 A CN104102993 A CN 104102993A CN 201310111968 A CN201310111968 A CN 201310111968A CN 104102993 A CN104102993 A CN 104102993A
- Authority
- CN
- China
- Prior art keywords
- payment
- pos machine
- mobile phone
- audio
- communication technology
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The invention provides an audio-based mobile payment system and communication technology, and pertains to the technical field of electronic information. The objective of the invention is to provide a scheme and a technology for making a mobile phone send a digital audio signal through a phone channel so as to be in local communication with a POS machine in the air, through a series of background actions, the whole mobile payment process can be completed, and any software and hardware change does not need to be made on the mobile phone. According to the scheme and the technology, POS machine software, a loudspeaker, a transaction management platform, a mobile phone of a consumer, an automatic voice platform and an audio near field communication technology are comprised. The invention provides a complete set of payment process, a merchant inputs the payment amount on the POS machine software, the consumer dials a merchant service number, according to the voice prompt, the consumer put the mobile phone close to the POS machine, and then the consumer inputs the payment password according to the prompt, so that the payment process can be completed, and the safety and reliability of the payment can be ensured; an audio near field communication technology is further provided, merchant MSK modulation and RS encoding are adopted, digital information can be transmitted in the air through an audio frequency band, the transmission distance can reach one meter, and the transmission rate can reach 3kbps.
Description
Technical field
The present invention relates to electronic information technical field, especially relate to the communication technology, computer and network technology.
Background technology
Mobile near field pays, near field pays and refers to that consumer is when buying commodity or service, IMU is crossed mobile phone and is paid to businessman, the processing paying is carried out at the scene, and carry out under online, to use the passages such as mobile phone radio frequency (NFC), infrared, bluetooth, the local communication of realization and automatic vending machine and POS machine.These current schemes all need special-purpose hardware or software module, and these special modules can not be supported or do not installed to a large amount of mobile phones at present, have brought very large difficulty to the popularization of mobile payment, change and will bring huge cost and cycle.
Summary of the invention
An object of the present invention is to provide a kind of scheme and technology can allow mobile phone send digital audio and video signals by telephone channel in air, to realize local communication with POS machine, complete whole mobile payment process.Mobile phone does not need to increase any software and hardware module, only need to be with telephony feature, and POS machine need to increase a loudspeaker and corresponding software module.POS machine can be smart mobile phone or the panel computer that specific software is housed, and can be also the special-purpose POS machine through transformation.
In order to realize this object, the invention provides a whole set of payment flow, can guarantee security and the integrality of transaction, and a kind of closely communication technology based on voice-grade channel in air is provided.
Described payment flow is as follows: in the time of carrying out mobile payment, trade company initiates order on POS machine, input amount payable, POS machine connects trade management platform by network, on transaction platform, generate order, comprise name of firm, time, amount payable etc., send it back POS machine after pay invoice number is added to digital signature, the voice communication module of POS machine end generates the unrecognizable audio digital signals of people's ear after digital audio encoding modulation and circulation is broadcast.Consumer is with the specific telephone number of mobile phone dialing, access automatic speech platform, automatic speech platform can point out user by mobile phone near POS machine (in 50 centimetres), mobile microphone is accepted the sequence information that POS machine sends and is back to automatic speech platform by telephone channel, this signal demodulation of automatic speech platform, decode order number, deliver to trade management platform and carry out safety verification, after being verified, automatic speech platform prompting consumer inputs payment cipher by cell phone keyboard, after input payment cipher, transaction completes.
Preferably, described payment system comprises: POS machine software and loudspeaker, trade management platform, consumer's mobile phone, automatic speech platform;
Described POS machine software, have a plurality of different versions can adapt to special-purpose POS machine, Android system equipment and apple system equipment, described POS machine software is by forming as lower module: payment interface module, trade management module, network communication module and voice communication module.The account of Internet bank's account, credit number or third party's payment platform that 1. described payment interface module can user bound is as Alipay account, and wealth is paid logical account, also can supplement with money at described trade management service platform.2. described trade management module can be initiated payment, the historical data that also can inquire about payment.3. described network communication module can connect described trade management service platform by WIFI or mobile data network, transmission transaction data, and utilize https to guarantee the security of data transmission.4. voice communication module can be carried out coded modulation by trading card data, become the sound signal that is difficult for discovering (more than 17kHz) for people's ear, and the croaking of a frog that superposes, chirp or other melodious low-frequency sound signals sheltered, allow user in process of exchange obtain good experience.Described POS machine software has the button of a gathering, press the button and input the amount of money, POS machine connects trade management platform by mobile network automatically, trade management platform generates a unique transaction odd numbers, then transaction odd numbers is signed by transaction security software module, beam back POS machine, POS machine is undertaken data to send to mobile phone after Digital Modulation by voice communication module closely.POS machine software can also be inquired about the All Activity record of this trade company in addition.
Described loudspeaker is regular handset loudspeaker, supports the audio frequency output of 20-20kHz.
Described trade management platform, by network communication module, user/trade management module, transaction management database, family administration module, transaction security module form.1. described network communication module, can be carried out data interaction and be guaranteed its security by https by internet and POS machine, automatic speech platform.2. described user management module can complete the operations such as registration, checking, inquiry, data modification, rights management that comprise user, take telephone number as index.3. the request that the trade management module described in can respond POS machine and mobile phone completes order operation, comprises generation order, revises order, inquires about order and complete statistical function, and regularly export statistics etc.4. described user/transaction management database can be stored user/transaction data, and support to data generate, revise, inquiry and statistical operation, can guarantee security and the rapid reaction to operation of its data.5. described transaction security module can adopt SHA1 algorithm to sign to order data, to prevent that data are tampered, guarantee the security in its transmission, adopt asymmetric secret key to adopt RSA Algorithm to be encrypted the order data in database, to guarantee the security of data storage.Described trade management platform receives order operational order and the data of the POS of trade company machine and consumer's mobile phone, and guarantees its security, and all data and operation note be store transaction management database all, and this database can real-time query, output statistics.
Described consumer's mobile phone is common mobile phone, can normally call.
Described automatic speech platform, have a special telephone number, can support to connect a plurality of consumers' phone simultaneously, after access consumer's phone, automatic speech platform first finds user's accounts information according to telephone number by trading service platform, the sound transmitting in Real-Time Monitoring consumer phone, if the sequence information that discovery is Digital Modulation is just carried out demodulation code, solve and give described trade management platform after sequence information and verify and start payment operation, while needing user to input password, by voice message user, use cell phone keyboard input, when user inputs password authentification when errorless, the described trade management of notice completes payment.
Described audio frequency near-field communication technology can transfer data message to sound signal by special modulation and coding, in air, propagates, and coverage can surpass 1 meter, and transfer rate can reach 3kbps.Modulation system is a kind of special minimum frequency shift keying signal MSK, and coded system is RS coding.
The advantages such as MSK modulation technique has power spectrum density to concentrate, and channel utilization factor is high, and frequency band is narrower, permanent envelope, the waveform quadrature of 1 yard and 0 coded signal, is conducive to form optimum reception system and reduces code check.But 1 yard of msk signal and 0 code frequency interval very little, it is very large that carrier synchronization and bit synchronization software are realized calculated amount, if the interval of 0 yard and 1 yard is added and is twice, carrier synchronization and bit synchronous problem will be improved greatly, reduce the bit error rate of Demodulation Systems simultaneously, therefore propose a kind of new MSK modulation system:
0≤t≤T
b, a wherein
n=± 1 represents respectively 1 and 0, θ of binary message
nit is the phase constant of n code element.0 yard of new MSK and 1 yard of corresponding waveform just in time differ 1 carrier cycle, in the phase place of code element conversion moment signal, still keep continuous.The modulation of 1 yard is output as S (t)=cos2 π (f
c+ f
b/ 2) t, the modulation of 0 yard is output as S (t)=cos2 π (f
c-f
b/ 2) t, its complexity, far below standard MSK, is very easy to realize with software.
The MSK demodulation of standard need to adopt bandpass filter that the very little low-and high-frequency signal in interval is carried out to separation, can bring a large amount of computings, to hardware device, requires very high.The demodulation of described audio frequency near-field communication technology has been carried out significant improvement to MSK equally, has proposed a kind of demodulation method based on DFT, in the time of send 1 yard, this sequence of symhols is carried out to DFT, obtains respectively f
1and f
2the amplitude A of corresponding numerical frequency component
1and A
2, should have A
1> > A
2; Equally when transmission be 0 yard time, have A
1< < A
2.Msk signal code-element period is carried out to periodic sampling, the integral multiple that sampling rate is bit rate, same sampling rate also should be far longer than carrier frequency f
1and f
2, then to the sampled value in each code-element period for carrier frequency f
1and f
2carry out twice DFT computing, obtain respectively corresponding amplitude information A
1and A
2.For the ease of narration, establishing 1 yard has 11 cycles, and 0 yard has 10 cycles, and each symbol sample 80 point, is designated as x
1, x
2... x
80.
DFT computing for 1 yard:
Corresponding amplitude is:
DFT computing for 0 yard:
Corresponding amplitude is:
Then judge amplitude A
1and A
2size just can recover digital baseband signal.Work as A
1> A
2time, judgement code element is 1 yard; Work as A
1< A
2time, adjudicating code element is 0 yard.
New msk signal demodulation method based on DFT recited above, comparing operand with traditional orthogonalization demodulation is only 1/10, has saved the process of low-pass filtering and data pick-up.Because DFT computing itself just has certain filtration to noise, so this algorithm interference free performance also makes moderate progress.Separating timing does not need to carry out carrier synchronization, only requires that sample frequency is the integral multiple of bit rate, and not high to sampling timing accuracy requirement yet, has both brought into play the feature of msk signal orthogonality, has that to have computing few, the advantage of good in anti-interference performance.Chnnel coding adopts RS coding, and code length is 15, and effective code element is 9, can correct 3 wrong code elements.System actual measurement transmission range can reach 1 meter, and transfer rate can reach 3kbps.
Accompanying drawing explanation
By the description of a preferred embodiment of the present invention being carried out below in conjunction with accompanying drawing, it is clearer that technical scheme of the present invention and technique effect thereof will become, and easy to understand more.Wherein:
Fig. 1 shows according to the process schematic diagram that certain pays based on audio frequency near field of the present invention;
Embodiment
Below with reference to appended accompanying drawing, a preferred embodiment of the present invention is described.
Embodiment 1
Certain near field based on audio frequency that the present invention first implements pays, and its process as shown in Figure 1, comprising: described POS machine 1, described trade management platform 2, described mobile phone 3, automatic speech platform 4.
When starting certain near field based on audio frequency and pay, the first step, trade company initiates order on described POS machine 1, input amount payable, described POS machine 1 connects described trade management platform 2 by network, on described transaction platform, generate order, comprise name of firm, time, amount payable etc., send it back described POS machine 1 after pay invoice number is added to digital signature.Second step, the voice communication module of described POS machine 1 generates the unrecognizable audio digital signals of people's ear and is circulated and broadcast by loudspeaker after digital audio encoding modulation.The 3rd step, consumer dials specific telephone number with described mobile phone 3, accesses described automatic speech platform 4, described automatic speech platform 4 can prompting users by mobile phone near described POS machine 1.The 4th step, the microphone of described mobile phone 3 is accepted the sequence information that POS machine sends and is back to described automatic speech platform 4 by telephone channel, described automatic speech platform 4 these signal demodulation, decode order number, deliver to described trade management platform 2 and carry out safety verification, after being verified, described automatic speech platform 4 prompting consumers are by the keyboard input payment cipher of described mobile phone 3.The 6th step, described automatic speech platform 4 prompting consumers are by described mobile phone 3 keyboard input payment ciphers, and after input payment cipher, transaction completes.
For person of ordinary skill in the field, along with the development of technology, the present invention's design can realize by different way.Embodiments of the present invention are not limited in embodiment described above, and can change within the scope of the claims.
Claims (6)
1. the mobile-payment system based on audio frequency and the communication technology, is characterized in that, comprising: described audio frequency near field payment flow, described POS machine software, described trade management platform, described automatic speech platform, described programme collection analysis module, described audio frequency near-field communication technology.
2. audio frequency near field payment flow according to claim 1, is characterized in that, does not need mobile phone to carry out any software and hardware installation and transformation, can complete audio frequency near field payment flow.
3. described POS machine software according to claim 1, is characterized in that, can connect safely described trade management platform by mobile network, initiates payment process; Sequence information can be utilized to digital audio encoding modulation in 17-20KHz frequency range, and utilize chirp or croaking of a frog sound to shelter at 3KHz, in air, be sent to consumer's mobile phone.
4. trade management platform according to claim 1, is characterized in that, can be carried out data interaction and be guaranteed its security by https by internet and POS machine, automatic speech platform; The operations such as registration that can completing user, checking, inquiry, data modification, rights management, take telephone number as index; The request that can respond POS machine and mobile phone completes order operation, comprises generation order, revises order, inquires about order and complete statistical function, and regularly export statistics etc.
5. automatic speech platform according to claim 1, it is characterized in that, can find according to telephone number user's accounts information, the sound transmitting in can Real-Time Monitoring consumer phone, Real-time demodulation and decode sequence information, delivers to described trade management platform by sequence information and verifies and start payment operation, while needing user to input password, by voice message user, uses cell phone keyboard input, when user inputs password authentification when errorless, the described trade management of notice completes payment.
6. audio frequency near-field communication technology according to claim 1, is characterized in that, a kind of special MSK modulation system, and the modulation of 1 yard is output as S (t)=cos2 π (f
c+ f
b/ 2) t, the modulation of 0 yard is output as S (t)=cos2 π (f
c-f
b/ 2) t; Demodulation mode based on DFT, carries out periodic sampling to msk signal code-element period, the integral multiple that sampling rate is bit rate, and same sampling rate also should be far longer than carrier frequency f
1and f
2, then to the sampled value in each code-element period for carrier frequency f
1and f
2carry out twice DFT computing, obtain respectively corresponding amplitude information A
1and A
2, work as A
1> A
2time, judgement code element is 1 yard; Work as A
1< A
2time, adjudicating code element is 0 yard.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310111968.7A CN104102993A (en) | 2013-04-02 | 2013-04-02 | Audio-based mobile near field payment system and communication technology |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310111968.7A CN104102993A (en) | 2013-04-02 | 2013-04-02 | Audio-based mobile near field payment system and communication technology |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104102993A true CN104102993A (en) | 2014-10-15 |
Family
ID=51671125
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310111968.7A Pending CN104102993A (en) | 2013-04-02 | 2013-04-02 | Audio-based mobile near field payment system and communication technology |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104102993A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103354461A (en) * | 2013-08-12 | 2013-10-16 | 朱成敏 | Sound-based near field communication system and method thereof |
| CN104537529A (en) * | 2015-01-15 | 2015-04-22 | 上海亘好信息技术有限公司 | Field off-line payment transaction system and method based on portable terminal universal interface |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1479551A (en) * | 2003-06-03 | 2004-03-03 | �����ɷ� | Method of mobile terminal payment and its system |
| CN202267993U (en) * | 2011-09-30 | 2012-06-06 | 重庆南天数据资讯服务有限公司 | System for implementing mobile communication terminal-based point-of-sale (POS) card swiping payment device |
| CN102891927A (en) * | 2011-07-17 | 2013-01-23 | 白壮 | Mobile phone near field communication method based on audio air transmission |
-
2013
- 2013-04-02 CN CN201310111968.7A patent/CN104102993A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1479551A (en) * | 2003-06-03 | 2004-03-03 | �����ɷ� | Method of mobile terminal payment and its system |
| CN102891927A (en) * | 2011-07-17 | 2013-01-23 | 白壮 | Mobile phone near field communication method based on audio air transmission |
| CN202267993U (en) * | 2011-09-30 | 2012-06-06 | 重庆南天数据资讯服务有限公司 | System for implementing mobile communication terminal-based point-of-sale (POS) card swiping payment device |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103354461A (en) * | 2013-08-12 | 2013-10-16 | 朱成敏 | Sound-based near field communication system and method thereof |
| CN103354461B (en) * | 2013-08-12 | 2019-06-28 | 东营市远信电器与技术有限责任公司 | A kind of near field communication system and method based on sound |
| CN104537529A (en) * | 2015-01-15 | 2015-04-22 | 上海亘好信息技术有限公司 | Field off-line payment transaction system and method based on portable terminal universal interface |
| CN104537529B (en) * | 2015-01-15 | 2018-04-27 | 上海亘好信息技术有限公司 | A kind of live offline electronic payment transaction system and method based on portable terminal device general-purpose interface |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN102223234B (en) | Electronic signature system and method based on audio communication | |
| CN103617532A (en) | Offline payment and collection method and device for mobile terminals | |
| CN102339499B (en) | System for realizing POS (point of sale) card swiping payment device based on mobile communication terminal | |
| CN102855561A (en) | Mobile phone payment device and payment method based on security chips and sound carrier wave communication | |
| CN103039035A (en) | Short-range secure data communication method based on sound wave or audio, and apparatus thereof | |
| KR20150020268A (en) | Method for the transmission of data between devices over sound waves | |
| CN103839340B (en) | The method and system of e-wallet information synchronization, space transference business platform | |
| CN102509218B (en) | System implementation method for realizing POS (point-of-sale) card swiping payment device based on mobile communication terminal | |
| CN103810591A (en) | Power purchasing method for mobile phone and portable IC card reader thereof | |
| CN103354461A (en) | Sound-based near field communication system and method thereof | |
| CN202267993U (en) | System for implementing mobile communication terminal-based point-of-sale (POS) card swiping payment device | |
| CN103955822A (en) | Method for mobile payment by transmitting data through variable frequency sound waves | |
| CN103020822B (en) | Financial acquirer's method based on double escape ways | |
| CN102592377A (en) | Method for realizing finance card terminal by Bluetooth mobile phone | |
| CN104898410B (en) | A kind of smartwatch recharge method | |
| CN103108277A (en) | Air business implement method and system based on mobile phone client-side | |
| CN101976403A (en) | Phone number payment platform, payment trading system and method thereof | |
| CN104102993A (en) | Audio-based mobile near field payment system and communication technology | |
| CN108960791A (en) | A kind of online, off-line cash system and its application method | |
| CN101964125B (en) | Mobile phone payment system authenticated by double communication paths and corresponding method | |
| CN103985204A (en) | POS terminal, POS system and payment method of POS system | |
| CN204759505U (en) | Remove and fuse payment mechanism and mobile payment system | |
| CN104166913A (en) | Photon payment method and system | |
| CN104636910A (en) | Mobile handheld terminal, payment system and payment method | |
| CN101093593A (en) | Electronic pay off method by value stored card or gathering and paying card, ID authentication terminal, and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| DD01 | Delivery of document by public notice |
Addressee: BEIJING ZHONGGUANG HENGTONG TECHNOLOGY CO., LTD. Document name: Notification that Application Deemed not to be Proposed |
|
| C06 | Publication | ||
| PB01 | Publication | ||
| DD01 | Delivery of document by public notice |
Addressee: BEIJING ZHONGGUANG HENGTONG TECHNOLOGY CO., LTD. Document name: Notification of Publication of the Application for Invention |
|
| DD01 | Delivery of document by public notice |
Addressee: BEIJING ZHONGGUANG HENGTONG TECHNOLOGY CO., LTD. Document name: Notification of before Expiration of Request of Examination as to Substance |
|
| DD01 | Delivery of document by public notice |
Addressee: BEIJING ZHONGGUANG HENGTONG TECHNOLOGY CO., LTD. Document name: Notification that Application Deemed to be Withdrawn |
|
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| DD01 | Delivery of document by public notice | ||
| DD01 | Delivery of document by public notice |
Addressee: BEIJING ZHONGGUANG HENGTONG TECHNOLOGY CO., LTD. Document name: Notification that Application Deemed to be Withdrawn |
|
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20141015 |