CN104166913B - Photon method of payment and system - Google Patents

Photon method of payment and system Download PDF

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Publication number
CN104166913B
CN104166913B CN201410183908.0A CN201410183908A CN104166913B CN 104166913 B CN104166913 B CN 104166913B CN 201410183908 A CN201410183908 A CN 201410183908A CN 104166913 B CN104166913 B CN 104166913B
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payment
photon
platform
identity information
account
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CN104166913A (en
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不公告发明人
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Foshan Shunde Guangqi Advanced Equipment Co ltd
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Kuang Chi Intelligent Photonic Technology Ltd
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Priority to CN201410183908.0A priority Critical patent/CN104166913B/en
Publication of CN104166913A publication Critical patent/CN104166913A/en
Priority to PCT/CN2015/082854 priority patent/WO2015165426A1/en
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Publication of CN104166913B publication Critical patent/CN104166913B/en
Priority to US15/336,830 priority patent/US20170046705A1/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/16Payments settled via telecommunication systems
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04BTRANSMISSION
    • H04B10/00Transmission systems employing electromagnetic waves other than radio-waves, e.g. infrared, visible or ultraviolet light, or employing corpuscular radiation, e.g. quantum communication
    • H04B10/11Arrangements specific to free-space transmission, i.e. transmission through air or vacuum
    • H04B10/114Indoor or close-range type systems
    • H04B10/116Visible light communication

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Electromagnetism (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

An aspect of of the present present invention provides a kind of photon method of payment, comprising: photon payment terminal sends payment identity information with the form of light signal to photon acceptor end; This photon acceptor end sends transaction request to settlement platform, and this transaction request comprises this payment identity information; And this settlement platform performs clearing based on to the checking of this payment identity information.Another aspect of the present invention additionally provides a kind of photon payment system.

Description

Photon method of payment and system
Technical field
The present invention relates to method of payment and system, particularly relate to a kind of photon method of payment and system.
Background technology
Visible light communication technology is a kind of novel radio optical communication technique grown up in LED technology.Communicated by the flicker of the high-frequency of LED light source, have light to represent 1, unglazedly represent 0, the transfer rate of visible light communication is up to gigabit per second.Visible light communication has quite abundant frequency spectrum resource, and this is that to comprise the general radio communication of microwave communication incomparable.Meanwhile, visible light communication can be suitable for any communication protocol, be applicable to any environment, and the erection of the equipment of visible light communication is convenient, with low cost flexibly, is applicable to extensive popularization and application.Visible light communication system utilizes visible ray to carry out short-range communication, and the directive property of visible ray is high, can not penetrate barrier, has higher security than use communication.
At present, consumer to swipe the card clearing by payment account (such as, businessman distribution prepaid card, all-purpose card etc.) when transacting business and paying on POS end.This traditional " card-scanning type ", although method of payment can allow consumer avoid carrying with buckets of cash, consumer still must carry payment account to carry out payment of swiping the card, and this makes transaction payment be restricted.Along with popularizing of mobile communication technology, people often can carry with mobile terminal.The multimedia function of mobile terminal has been that standard is equipped with, and such as a lot of mobile terminal all has flashlamp function.Therefore, if it will be extremely easily that the visible light communication of mobile terminal can be utilized to realize transaction payment.
Summary of the invention
Below provide the brief overview of one or more aspect to provide the basic comprehension to these aspects.Detailed the combining of this not all aspect contemplated of general introduction is look at, and both not intended to be pointed out out the scope of key or decisive any or all aspect of elements nor delineate of all aspects.Its unique object is the sequence that some concepts that will provide one or more aspect in simplified form think the more detailed description provided after a while.
According to an aspect of the present invention, provide a kind of photon method of payment, comprising: photon payment terminal sends payment identity information with the form of light signal to photon acceptor end; This photon acceptor end sends transaction request to settlement platform, and this transaction request comprises this payment identity information; And this settlement platform performs clearing based on to the checking of this payment identity information.
In one example, this photon payment terminal comprises to photon acceptor end transmission payment identity information with the form of light signal: encode to this payment identity information; And send this encoded payment identity information with the form of this light signal to this photon acceptor end.
In one example, this payment identity information is encoded specifically comprise: first this payment identity information is encrypted; And this coding is carried out to this payment identity information encrypted.
In one example, the method also comprises: receive this light signal in this photon acceptor termination and by opto-electronic conversion, this light signal be converted to electric signal.
In one example, this settlement platform specifically comprises based on performing clearing to the checking of this payment identity information: this payment identity information is forwarded to platform of user management by this settlement platform; This platform of user management is verified this payment identity information; If be proved to be successful, then this platform of user management transmits for the payment account information of the first payment account that pays or the account related information of this payment account information to this settlement platform; And in response to obtaining this payment account information of this first payment account, this settlement platform performs clearing.
In one example, this payment identity information is forwarded to platform of user management and specifically comprises by this settlement platform: this payment identity information of the electrical signal form from this photon acceptor end is transmitted to this platform of user management by this settlement platform; And this platform of user management performs decoding to obtain this payment identity information to this electric signal.
In one example, the method also comprises: this platform of user management performs deciphering to obtain this payment identity information to this electric signal through decoding.
In one example, this settlement platform specifically comprises based on performing clearing to the checking of this payment identity information: if authentication failed, then this platform of user management transmits authentication failed message to this settlement platform; And in response to receiving this authentication failed message, this authentication failed message is transmitted to this photon acceptor end by this settlement platform.
In one example, this settlement platform performs to settle accounts and specifically comprises: this settlement platform transmits to settle accounts to the trading server corresponding with this first payment account and asks, and this clearing request comprises this payment account information of this first payment account; And this trading server is withholdd to this first payment account according to payment, and put withholdd item the trading account of this settlement platform under.
In one example, the method also comprises: this trading server feeds back payment and settlement information to this settlement platform after withholing: and this settlement platform forwards this payment and settlement information to this photon acceptor end.
In one example, this payment identity information comprises payment ID, and this platform of user management carries out checking to this payment identity information and comprises: this platform of user management retrieves this payment ID from database; If do not retrieve this payment ID, then authentication failed; If retrieve this payment ID, be then proved to be successful.
In one example, this payment identity information also comprises payment cipher, this platform of user management is verified this payment identity information and is specifically comprised: if retrieve this payment ID, then further by this database compared with this payment ID payment cipher be associated and this payment cipher being received from this settlement platform; If both are consistent, be then proved to be successful, otherwise authentication failed.
In one example, this first payment account is the payment account of acquiescence for paying, and the payment account information that this platform of user management transmits the first payment account to this settlement platform specifically comprises: this platform of user management directly retrieves the acquiescence that is associated with this payment identity information this payment account information of this first payment account for paying in response to receiving this payment identity information.
In one example, this payment identity information is also accompanied with the identifier of this first payment account of instruction, and the payment account information that this platform of user management transmits the first payment account to this settlement platform specifically comprises: this platform of user management goes out this payment account information of this first payment account according to this identifier retrieval.
In one example, when this platform of user management to send the account related information of the payment account information of this first payment account to this settlement platform, the method also comprises: this settlement platform finds out this payment account information of this first payment account according to account related information in the database of this settlement platform.
According to a further aspect in the invention, provide a kind of photon payment system, comprising: photon payment terminal, this photon payment terminal is used for sending with the form of light signal paying identity information; Photon acceptor end, this photon acceptor end send transaction request for receiving this payment identity information being concurrent, and this transaction request comprises this payment identity information; And settlement platform, this settlement platform is for receiving this transaction request and performing clearing based on to the checking of this payment identity information.
In one example, this photon payment terminal comprises: coding unit, and this coding unit is used for encoding to this payment identity information; And Optical Transmit Unit, this light emitting units emitting indicates this light signal of this encoded payment identity information.
In one example, this photon payment terminal also comprises: ciphering unit, this ciphering unit is used for first being encrypted this payment identity information before this coding unit carries out this coding, and wherein this coding unit is used for carrying out this coding to this payment identity information encrypted.
In one example, this photon acceptor end comprises: light receiving unit, and this light receiving unit is for receiving this light signal and by opto-electronic conversion, this light signal being converted to electric signal.
In one example, this system also comprises platform of user management, this platform of user management is used for verifying this payment identity information being received from this settlement platform, if and be proved to be successful, then transmit for the payment account information of the first payment account that pays or the account related information of this payment account information to this settlement platform, wherein this settlement platform is further used for, in response to this payment account information obtaining this first payment account, performing clearing.
In one example, if this platform of user management is also for authentication failed, then transmit authentication failed message to this settlement platform, wherein this settlement platform is also for being transmitted to this photon acceptor end in response to receiving this authentication failed message by this authentication failed message.
In one example, this system also comprises trading server, wherein this settlement platform is also for transmitting clearing request to this trading server, this clearing request comprises this payment account information of this first payment account, and this trading server is used for withholing according to payment to this first payment account and withholdd item being put under the trading account of this settlement platform.
Accompanying drawing explanation
After the detailed description of reading embodiment of the present disclosure in conjunction with the following drawings, above-mentioned feature and advantage of the present invention can be understood better.In the accompanying drawings, each assembly is not necessarily drawn in proportion, and the assembly with similar correlation properties or feature may have identical or close Reference numeral.
Fig. 1 shows the block diagram of photon payment system according to an aspect of the present invention;
Fig. 2 shows the block diagram of photon payment terminal according to an aspect of the present invention;
Fig. 3 shows the block diagram of photon acceptor end according to an aspect of the present invention;
Fig. 4 shows the block diagram of platform of user management according to an aspect of the present invention; And
Fig. 5 shows the process flow diagram of photon method of payment according to an aspect of the present invention.
Embodiment
Below in conjunction with the drawings and specific embodiments, the present invention is described in detail.Note, the aspects described below in conjunction with the drawings and specific embodiments is only exemplary, and should not be understood to carry out any restriction to protection scope of the present invention.
Fig. 1 shows the block diagram of the photon payment system 100 according to the first embodiment of the present invention.Photon payment system 100 can comprise photon payment terminal 110.As shown in Figure 2, photon payment terminal 110 can be any suitable portable terminal comprising Optical Transmit Unit 116, such as cell phone, satellite phone, wireless phone, personal digital assistant (PDA), the portable equipment with wireless connection capability, computing equipment or be connected to other treatment facilities etc. of radio modem.Photon payment terminal 110 can carry out optical communication with other equipment with optical communication ability by sharp Optical Transmit Unit 116.Such as, by there to be light to represent high level, unglazedly represent low level, Optical Transmit Unit 116 can utilize such as light emitting diode (LED) with the luminescence of certain rule high frequency flicker to pass on significant signal.
Photon payment system 100 can comprise platform of user management 140, to realize the management of user profile.Photon payment terminal 110 is by wireless communication system calling party management platform 140.Here wireless communication system can be such as CDMA, TDMA, FDMA, OFDMA, SC-FDMA and other system.Cdma system can realize such as radiotelegraphy such as universal terrestrial radio electricity access (UTRA), cdma2000 etc.UTRA comprises wideband CDMA (W-CDMA) and other CDMA variants.In addition, cdma2000 contains IS-2000, IS-95 and IS-856 standard.Tdma system can realize the radiotelegraphys such as such as global system for mobile communications (GSM).OFDMA system can realize such as evolved UTRA (E-UTRA), Ultra-Mobile Broadband (UMB), IEEE802.11 (Wi-Fi), IEEE802.16 (WiMAX), IEEE802.20, deng and so on radiotelegraphy.
User by photon payment terminal 110 to platform of user management 140 request registration.As shown in Figure 4, platform of user management 140 can comprise registering unit 141 for registration light account.In response to the registration request of photon payment terminal 110, registering unit 141 can be photon payment terminal 110 and registers a smooth account, and is that this light account distributes a payment identity information, such as, can comprise and pay ID.This payment ID can be stored in platform of user management 140 place, such as, be stored in the database 143 of platform of user management 140.
After registration light account, user can arrange corresponding login password, and photon payment terminal 110 can be used to log in this light account.If user forgets login password, former login password can be given for change, give the mode of password for change by short-message verification, mailbox checking or Identity Association Information Authentication etc., as known to those skilled in the art.
After user logs in this light account, can submit to payment account and this light account and pay the request that ID binds.User and can pay multiple payment account and this light account ID and binds.Here payment account can be prepaid card, all-purpose card etc.User can submit the payment account authorization information of payment account to, and such as card number, bank of deposit or card issuer, holder name, identification card number, cell-phone number wait until platform of user management 140.The payment account authorization information that user can submit to by platform of user management 140 directly or by hereafter describing settlement platform 130 etc. is sent to payment account providing gear indirectly, such as trading server 150 is verified, payment account providing gear is all if any payment account bank, Third-party payment mechanism, credit card providing gear, prepaid card providing gear, city one-card providing gear etc.Such as, information can be submitted to settlement platform 130 according to specified interface and communication protocol by the information that user packs by platform of user management 140, and receives the verification tip of the payment account providing gear such as feedback such as prepaid card providing gear, city one-card providing gear.Can be money in payment account, also can be integration, such as member's integration.
If be proved to be successful, then this light account can be bound with this payment account by registering unit 141 mutually, such as, be associated with this payment account by payment ID corresponding for this light account.User can bind multiple payment account for this light account, can arrange the payment account of acquiescence simultaneously, or selects corresponding payment account to pay when paying.
More preferably, pay identity information and also can to comprise payment cipher to do the checking of payment identity information.This payment cipher can be arranged by the selection of registering unit 141 in response to user.Meanwhile, when user forgets this payment cipher, the identity information by payment account related information or individual's association is given for change or resets payment cipher.Payment cipher can comprise numerical ciphers, gesture password, finger print information etc.The payment account information of at least one payment account of this light account, corresponding payment ID, payment cipher and binding can be stored in database 143.In one example, with specific light account with pay multiple payment accounts that ID binds and can be numbered as 1 to N, this multiple payment account and this light account, pay ID and payment cipher is stored together associatedly, as shown in table 1.
Table 1
Photon payment terminal 110 can realize the registration request of above-mentioned smooth account by corresponding photon payment software, password is arranged, the bindings of payment account.This photon payment software can be arranged in photon payment terminal 110.Such as, user can open this photon payment software in photon payment terminal 110, carried out registration, the management of light account by this photon payment software, and the binding of payment account, the setting of acquiescence payment account and the binding of payment account are removed etc.
Photon payment system 100 also can comprise photon acceptor end 120.Photon acceptor end 120 can be the simple receiving equipment with optical communication capabilities being arranged on place of trade company, also can be to have optical communication capabilities and make single, to input the functions such as password POS (PointofSales) machine.Although illustrate only a photon acceptor end 120 in Fig. 1, it will be appreciated by those skilled in the art that and can comprise multiple photon acceptor end.Photon acceptor end 120 can be relevant to payment account issuer, and different photon acceptor ends is under the jurisdiction of different payment account issuers.Such as, the first photon acceptor end is under the jurisdiction of the first payment account issuer, and the second photon acceptor end is under the jurisdiction of second payment account issuer etc.These payment account issuers provide respective payment account.
Photon acceptor end 120 can be the integral type POS comprising light receiving unit.Or photon acceptor end also can be the conventional POS be connected with the Optical Receivers of a Dan Li.Such as, this conventional POS is by communication interface, and such as RS232, USB interface, communicate with this Optical Receivers, or communicated with this Optical Receivers by wireless network.Hereafter for integral type POS framework, photon acceptor end is described, as shown in Figure 3.Photon acceptor end 120 can comprise light receiving unit 122 and perform the POS unit 124 of conventional POS function.
Photon acceptor end 120 realizes optical communication by light receiving unit 122 and photon payment terminal 110.Photon payment terminal 110 can comprise coding unit 112, and usually, coding unit 112 can be encoded to the communication data that will pass on.Communication data can be any information data that photon payment terminal 110 will convey to photon acceptor end 120, such as, pays identity information.Common coding can comprise RZ step-by-step counting coding.RZ step-by-step counting coding is one group by raw information with n bit, is provided with between group the time interval, often the interior information representing n bit in this group signal with the number of pulse of group between two adjacent groups signal.Such as work as n=2, when being namely one group with two bits, represent 00,01,10 and 11 with 1,2,3 and 4 pulse respectively.Common coding also can comprise PPM coding.
More preferably, photon payment terminal 110 also can comprise ciphering unit 114.Ciphering unit 114 can first be encrypted communication data, and then carries out above-mentioned coding by coding unit 112 to encrypted communication data.
After encoding to communication data, with not luminous, Optical Transmit Unit 116 such as can represent that the coded signal received sends with the form of visible ray by low level by representing high level signal with luminescence.
The light receiving unit 122 of photon acceptor end 120 can be used for the visible light signal of reception Optical Transmit Unit 116 transmitting and visible light signal is converted to electric signal, such as, to obtain the communication data of electrical signal form.Such as, for the high-frequency flicker that LED produces, there is light to represent high level, unglazedly represent low level, otherwise or, thus the visible light signal of reception can be converted to digital signal.Light receiving unit 122 can comprise photosensitive device, such as photodiode, phototriode etc.Utilize the electric signal of photosensitive device and the characteristic of light signal, will electric impulse signal be formed by opto-electronic conversion.Because photon payment terminal 110 is different with the relative position of photon acceptor end 120 in practice, namely the light signal strength that each photon payment terminal 110 is transmitted into photon acceptor end 120 is different, so its electric signal power is also different, so need the electric current to photodiode is formed to carry out commutating ratio comparatively.As the current value that passes through when diode higher than certain certain threshold value time, the voltage level values of output is adjusted to high level by photoelectric switching circuit; When the current value by photodiode is lower than a certain threshold value, the voltage level values of output is adjusted to low level by photoelectric switching circuit.The setting of this threshold value is set according to different environment by a mathematical model, and as time distant, threshold value may reduce; May relatively raise apart from threshold value time near.By above process, can level be adjusted in certain limit, ensure correct pulse shape with this, to ensure the accuracy of sampling as far as possible.
When user is in trade company's consumer need payment, user sends payment identity information with the form of light signal to photon acceptor end 120 by photon payment terminal 110, such as, comprise and pay ID and payment cipher.Particularly, coding unit 112 can be encoded to payment identity information, such as, can comprise RZ step-by-step counting coding, PPM coding etc.More preferably, ciphering unit 114 also can first be encrypted payment identity information, and then is encoded to encrypted payment identity information by coding unit 112.Optical Transmit Unit 116 can send the light signal of this encoded payment identity information of instruction.
Be that this payment identity information has been bound multiple payment account and do not arranged acquiescence in the situation of payment account that pays user, user also can select the payment account for paying from this bound multiple payment account.Now, pay identity information and also can be accompanied with the identifier that instruction is selected for this payment account of payment, such as, this identifier can indicate the numbering of this payment account when bound.
User can start the payment transmission of identity information, the selection of payment account etc. by the photon payment software in photon payment terminal 110.Before startup payment function, user can input payment cipher.More preferably, photon payment software carries out delivery operation after passing through payment cipher preliminary identification again.
The light receiving unit 122 of photon acceptor end 120 can receive light signal that photon payment terminal 110 sends and by opto-electronic conversion, light signal is converted to electric signal, to obtain the payment identity information of electrical signal form.In one example, photon acceptor end 120 can comprise decoding unit with this electric signal of decoding, thus recovers payment identity information.In preferably another example, photon acceptor end 120 is not decoded to this electric signal, but directly forwards the encoded payment identity information of electrical signal form by POS unit 124.In one example, user, after sent payment identity information by photon payment terminal 110, can input the account verification information of payment account as required.The account verification information of this payment account is verified by the providing gear (such as, trading server) of payment account in continuation payment flow process.Photon acceptor end 120 can comprise input block 126, such as keyboard, hand-written dish, fingerprint identification module, iris recognition module, sound recognition module etc.User inputs account verification information, as password, signature, fingerprint, iris, sound etc. by this input block 126.
Photon acceptor end 120 is after receiving payment identity information, and can upload transaction request to settlement platform 130, this transaction request can comprise this payment identity information.Need in the example of the account verification information inputting payment account user, this transaction request also can comprise account verification information.In addition, photon acceptor end 110 is generally bound mutually with merchant account, and therefore transaction request also can comprise the information such as merchant identification identification number and payment.
Photon payment system 100 also can comprise settlement platform 130 with in realizing photon acceptor end 120, mutual between platform of user management 140 and trading server 150.Transaction request is uploaded to settlement platform 130 by dedicated line by photon acceptor end 120.After settlement platform 130 receives this transaction request, clearing can be performed based on to the checking of this payment identity information.
In one example, this payment identity information can be transmitted to platform of user management 140 by settlement platform 130, is verified this payment identity information by platform of user management 140.Platform of user management 140 can comprise authentication unit 142 to perform this checking.Such as, the light account of the user of photon payment terminal 110 is all stored in the database 143 of platform of user management 140 with the payment identity information be associated (such as, paying ID and payment cipher).Comprise in the example paying ID at payment identity information, authentication unit 142 can retrieve this payment ID being received from settlement platform 130 from database 143, if do not retrieve this payment ID, then this payment identity information is illegal identity, authentication failed; If retrieve this payment ID, be then proved to be successful.
Also comprise in the example of payment cipher at payment identity information, if this payment ID can be retrieved, then obtain the payment cipher be associated with this payment ID further, and this payment cipher and the payment cipher being received from settlement platform 130 are compared, if both are consistent, then be proved to be successful, otherwise authentication failed.
In one example, the payment identity information that receives of platform of user management 140 is through encryption and coding.In this example, platform of user management 140 can comprise decoding unit 144 and decryption unit 145.Decoding unit 144 can first be decoded to payment identity information, and then is decrypted to recover payment identity information by decryption unit 145.
In response to being proved to be successful, platform of user management 140 can retrieve the payment account information being used to the payment account paid be associated with this payment identity information from database 143, and transmits this payment account information of this payment account to settlement platform 130.Platform of user management 140 can be associated with multiple payment account issuer, thus stores the payment account information of the payment account of this multiple payment account issuers distribution.In one example, user is provided with the payment account of acquiescence for paying, and now, platform of user management 140 can directly retrieve this acquiescence of being associated with this payment identity information payment account information of payment account for paying in response to being proved to be successful.In another example, user does not arrange the payment account of acquiescence, but selects the payment account for paying when paying, as mentioned before.Now, user pays identity information can be accompanied with the identifier indicated for the payment account paid, such as, numbering when this payment account is bound.Platform of user management 140 can retrieve this payment account information of payment account for paying according to this identifier.This payment account information of this payment account retrieved can be sent to settlement platform 130 by platform of user management 140.
In an alternative embodiment, the payment account information of payment account can be stored in settlement platform 130 place.In this embodiment, in platform of user management 140, not store payment account information as described above ground, but store the account related information that can be used to obtain payment account information, such as account index information.Now, what platform of user management 140 sent to settlement platform 130 can be that this is for obtaining the account related information of payment account information.Settlement platform 130 can find out the payment account information of this payment account from self database according to account related information.
On the other hand, in response to authentication failed, platform of user management 140 can transmit authentication failed message to settlement platform 130.
In response to this payment account information obtaining this payment account, settlement platform 130 can perform clearing.
In one example, settlement platform 130 can send clearing request to corresponding trading server 150, and this clearing request can comprise this payment account information of this payment account.This payment request also can comprise payment and merchant identification identification number.When user have input account verification information in photon acceptor end 120, this clearing request also can comprise account verification information.
Although illustrate only a trading server 150 in Fig. 1, it will be understood by those skilled in the art that to there is multiple trading server.Each trading server is associated from different payment account issuers.Settlement platform 130 can transmit this clearing request to the trading server 150 corresponding with this payment account.Such as, take this payment account as the prepaid card of certain commercial undertaking distribution, this trading server 150 is correspondingly the trading server of this commercial undertaking.According to the payment account of different institutions distribution, settlement platform 130 can transmit clearing request to different trading servers 150.
Otherwise if receive authentication failed message, this authentication failed message can be transmitted to photon acceptor end 120 by settlement platform 130, to notify that trade company and user pay failure.
Trading server 150, after examining payment account information, can be withholdd according to payment, and put withholdd item the trading account of settlement platform 130 under from corresponding payment account.Comprise in the example of account verification information in clearing request, trading server 150 examines the legitimacy of payment account information by account authorization information.Note, detained payment is not directly directly squeezed into merchant account by trading server 150, but squeezes into settlement platform 130 in the trading account set by bank.Settlement platform 130 is understood regularly and trade company settles accounts.Therefore, settlement platform 130 receive trading server 150 the payment that turns can think to pay successfully.Trading server 150 can feed back payment and settlement information to settlement platform 130 after transferring accounts, such as payment account number, deducted amount etc.This payment and settlement information can be transmitted to photon acceptor end 120 by settlement platform 130
So far, user completes transaction payment by photon payment terminal 110.
According to the solution of the present invention, user without the need to carrying the various Payment Cards of a multitude of names, can complete payment by the mobile phone such as with flashlamp function.In addition, because some Payment Card does not have payment account password, be easy to if lose stolen, in the present invention by being bound mutually with light account by payment account, and payment cipher be set, can effectively prevent payment account stolen.
In addition, even if some payment accounts are provided with payment account password, in order to prevent payment account from losing, user often needs amendment payment account password.Now, user needs the webpage of the businessman logging in this payment account of distribution, first carries out registering and then revises payment account password, operate very loaded down with trivial details.In the present invention, user only need disposable obtain issuer authentication after, just payment account and light account can be bound.After this, when using this payment account, as long as by user be the unified payment cipher of light account setup, just can by verifying and carrying out respective pay.User without the need to revising the payment account password of each payment account again, and only need remember payment cipher.
And pay compared to card-scanning type under traditional line, the accounts information of payment account is easy to be stolen.But according to the solution of the present invention, POS end does not handle the accounts information of payment account, and therefore security is significantly improved.
Fig. 3 shows the process flow diagram of photon method of payment 300 according to an aspect of the present invention.
In step 302, send payment identity information with the form of light signal to photon acceptor end from photon payment terminal.
In one example, photon payment terminal can be encoded to this payment identity information, and sends this encoded payment identity information with the form of light signal to photon acceptor end.More preferably, photon payment terminal can first be encrypted payment identity information, and then encodes to encrypted payment identity information.Photon acceptor termination is received this light signal and by opto-electronic conversion, light signal is converted to electric signal, to obtain the payment identity information of electrical signal form.
In one example, pay identity information and can comprise payment ID.More preferably, this payment identity information also can comprise payment cipher.
In step 304, send transaction request from photon acceptor end to settlement platform, this transaction request can comprise this payment identity information.
Need in the example of the account verification information inputting payment account user, this transaction request also can comprise account verification information.In addition, photon acceptor end is generally bound mutually with merchant account, and therefore transaction request also can comprise the information such as merchant identification identification number and payment.
In step 306, settlement platform can perform clearing based on to the checking of this payment identity information.
In one example, this payment identity information can be forwarded to platform of user management by settlement platform, and platform of user management can be verified the payment identity information received.In one example, pay identity information and comprise payment ID.Platform of user management can retrieve this payment ID received from its data storehouse, if do not retrieve this payment ID, then this payment identity information is illegal identity, authentication failed.If this payment ID can be retrieved, be then proved to be successful.More preferably, when retrieving this payment ID, platform of user management also can obtain the payment cipher be associated with this payment ID further, and this payment cipher and the payment cipher received are compared, if both are consistent, be then proved to be successful, otherwise authentication failed.
In one example, the payment identity information that receives of platform of user management is through encryption and coding.In this example, platform of user management can first be decoded to payment identity information, and then is decrypted to recover this payment identity information.
In response to being proved to be successful, platform of user management can to the payment account of settlement platform transmission for paying, the payment account information of such as the first payment account.In an alternate embodiment, the account related information that platform of user management also can transmit this payment account information finds out this payment account information for settlement platform.In one example, this first payment account is the payment account of acquiescence for paying, now, platform of user management can directly retrieve the acquiescence that is associated with this payment identity information payment account information of this first payment account for paying in response to being proved to be successful.In another example, user does not arrange acquiescence payment account, now, pays the identifier that identity information also can be accompanied with instruction first payment account.Platform of user management can go out this payment account information of this first payment account be associated with this payment identity information according to this identifier retrieval.In response to receiving this payment account information, settlement platform can perform clearing.
In response to authentication failed, platform of user management can transmit authentication failed message to settlement platform.In response to receiving this authentication failed message, authentication failed message can be transmitted to photon acceptor end by settlement platform.
In one example, this settlement platform can transmit to settle accounts to the trading server corresponding with the first payment account and ask, and this clearing request can comprise the payment account information of this first payment account.This clearing request also can comprise payment.This trading server can be withholdd to the first payment account according to this payment and withholdd item be put under the trading account of settlement platform, and to settlement platform feedback payment and settlement information.In response to receiving payment and settlement information, settlement platform can forward payment and settlement information to photon acceptor end.
Said method illustrated although simplify for making explanation and is described as a series of actions, it should be understood that and understand, these methods not limit by the order of action, because according to one or more embodiment, some actions can occur by different order and/or with from illustrating herein and describe or not shown and to describe but other actions that it will be appreciated by those skilled in the art that occur concomitantly herein.
Those skilled in the art will understand further, and the various illustrative logic plates, module, circuit and the algorithm steps that describe in conjunction with embodiment disclosed herein can be embodied as electronic hardware, computer software or the combination of both.For clearly explaining orally this interchangeability of hardware and software, various illustrative components, frame, module, circuit and step are done vague generalization above with its functional form and are described.This type of is functional is implemented as hardware or software depends on embody rule and puts on the design constraint of total system.Technician can realize described functional by different modes for often kind of application-specific, but such realize decision-making and should not be interpreted to and cause having departed from scope of the present invention.
The various illustrative logic plates, module and the circuit that describe in conjunction with embodiment disclosed herein can realize with general processor, digital signal processor (DSP), special IC (ASIC), field programmable gate array (FPGA) or other programmable logic device (PLD), discrete door or transistor logic, discrete nextport hardware component NextPort or its any combination being designed to perform function described herein or perform.General processor can be microprocessor, but in alternative, and this processor can be the processor of any routine, controller, microcontroller or state machine.Processor can also be implemented as the combination of computing equipment, the combination of such as DSP and microprocessor, multi-microprocessor, with one or more microprocessor of DSP central cooperation or any other this type of configure.
The method described in conjunction with embodiment disclosed herein or the step of algorithm can be embodied directly in hardware, in the software module performed by processor or in the combination of both and embody.Software module can reside in the storage medium of RAM storer, flash memory, ROM storer, eprom memory, eeprom memory, register, hard disk, removable dish, CD-ROM or any other form known in the art.Exemplary storage medium is coupled to processor and can reads and written information from/to this storage medium to make this processor.In alternative, storage medium can be integrated into processor.Processor and storage medium can reside in ASIC.ASIC can be in the user terminal resident.In alternative, it is in the user terminal resident that processor and storage medium can be used as discrete assembly.
In one or more exemplary embodiment, described function can realize in hardware, software, firmware or its any combination.If be embodied as computer program in software, then each function can as one or more bar instruction or code storage on a computer-readable medium or mat its transmit.Computer-readable medium comprises computer-readable storage medium and communication media, and it comprises facilitates computer program from a ground to any medium that another ground shifts.Storage medium can be can by any usable medium of computer access.Exemplarily non-limiting, such computer-readable medium can comprise RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic storage apparatus, maybe can be used to carry or store instruction or data structure form desirable program code and can by other medium any of computer access.Any connection is also properly termed a computer-readable medium.Such as, if software be use concentric cable, fiber optic cables, twisted-pair feeder, digital subscribe lines (DSL) or such as infrared, radio and microwave and so on wireless technology from web site, server or other remote source transmission, then this concentric cable, fiber optic cables, twisted-pair feeder, DSL or such as infrared, radio and microwave and so on wireless technology are just included among the definition of medium.Dish as used herein (disk) and dish (disc) comprise compact disc (CD), laser dish, laser disc, digital versatile dish (DVD), floppy disk and blu-ray disc, its mid-game (disk) is often with the mode rendering data of magnetic, and dish (disc) laser rendering data to be optically.Above-mentioned combination also should be included in the scope of computer-readable medium.
Thering is provided previous description of the present disclosure is for making any person skilled in the art all can make or use the disclosure.To be all apparent for a person skilled in the art to various amendment of the present disclosure, and generic principles as defined herein can be applied to other variants and can not depart from spirit or scope of the present disclosure.Thus, the disclosure not intended to be is defined to example described herein and design, but the widest scope consistent with principle disclosed herein and novel features should be awarded.

Claims (20)

1. a photon method of payment, comprising:
Photon payment terminal sends payment identity information with the form of light signal to photon acceptor end;
Described photon acceptor end sends transaction request to settlement platform, and described transaction request comprises described payment identity information; And
Described settlement platform performs clearing based on to the checking of described payment identity information;
Described settlement platform specifically comprises based on performing clearing to the checking of described payment identity information:
Described payment identity information is forwarded to platform of user management by described settlement platform;
Described platform of user management is verified described payment identity information;
If be proved to be successful, then described platform of user management transmits the payment account information of the first payment account for paying or the account related information of described payment account information to described settlement platform; And
In response to the described payment account information obtaining described first payment account, described settlement platform performs clearing.
2. photon method of payment as claimed in claim 1, is characterized in that, described photon payment terminal sends payment identity information with the form of light signal to photon acceptor end and comprises:
Described payment identity information is encoded; And
Encoded described payment identity information is sent to described photon acceptor end with the form of described light signal.
3. photon method of payment as claimed in claim 2, it is characterized in that, encoding to described payment identity information specifically comprises:
First described payment identity information is encrypted; And
Described coding is carried out to encrypted described payment identity information.
4. photon method of payment as claimed in claim 1, is characterized in that, also comprise:
Receive described light signal in described photon acceptor termination and by opto-electronic conversion, described light signal be converted to electric signal.
5. photon method of payment as claimed in claim 1, it is characterized in that, described payment identity information is forwarded to platform of user management and specifically comprises by described settlement platform:
The described payment identity information of the electrical signal form from described photon acceptor end is transmitted to described platform of user management by described settlement platform; And
Described platform of user management performs decoding to obtain described payment identity information to described electric signal.
6. photon method of payment as claimed in claim 5, is characterized in that, also comprise:
Described platform of user management performs deciphering to obtain described payment identity information to the described electric signal through decoding.
7. photon method of payment as claimed in claim 1, is characterized in that, described settlement platform specifically comprises based on performing clearing to the checking of described payment identity information:
If authentication failed, then described platform of user management transmits authentication failed message to described settlement platform; And
In response to receiving described authentication failed message, described authentication failed message is transmitted to described photon acceptor end by described settlement platform.
8. photon method of payment as claimed in claim 1, is characterized in that, described settlement platform performs clearing and specifically comprises:
Described settlement platform transmits to settle accounts to the trading server corresponding with described first payment account and asks, and described clearing request comprises the described payment account information of described first payment account; And
Described trading server is withholdd to described first payment account according to payment, and puts withholdd item the trading account of described settlement platform under.
9. photon method of payment as claimed in claim 8, is characterized in that, also comprise:
Described trading server feeds back payment and settlement information to described settlement platform after withholing: and
Described settlement platform forwards described payment and settlement information to described photon acceptor end.
10. photon method of payment as claimed in claim 1, it is characterized in that, described platform of user management carries out checking to described payment identity information and comprises:
Described platform of user management is retrieved and is paid ID from database;
If do not retrieve described payment ID, then authentication failed;
If retrieve described payment ID, be then proved to be successful.
11. photon methods of payment as claimed in claim 10, it is characterized in that, described payment identity information also comprises payment cipher, and described platform of user management is verified described payment identity information and specifically comprised:
If retrieve described payment ID, then pay compared with the ID payment cipher be associated and the described payment cipher being received from described settlement platform by described database with described further;
If both are consistent, be then proved to be successful, otherwise authentication failed.
12. photon methods of payment as claimed in claim 1, is characterized in that, described first payment account is the payment account of acquiescence for paying, and the payment account information that described platform of user management transmits the first payment account to described settlement platform specifically comprises:
Described platform of user management directly retrieves the acquiescence that is associated with the described payment identity information described payment account information of described first payment account for paying in response to receiving described payment identity information.
13. photon methods of payment as claimed in claim 1, it is characterized in that, described payment identity information is also accompanied with the identifier indicating described first payment account, and the payment account information that described platform of user management transmits the first payment account to described settlement platform specifically comprises:
Described platform of user management goes out the described payment account information of described first payment account according to described identifier retrieval.
14. photon methods of payment as claimed in claim 1, is characterized in that, when described platform of user management to send the account related information of the payment account information of described first payment account to described settlement platform, also comprise:
Described settlement platform finds out the described payment account information of described first payment account according to described account related information in the database of described settlement platform.
15. 1 kinds of photon payment systems, comprising:
Photon payment terminal, described photon payment terminal is used for sending with the form of light signal paying identity information;
Photon acceptor end, for receiving, described payment identity information is concurrent send transaction request to described photon acceptor end, and described transaction request comprises described payment identity information; And
Settlement platform, described settlement platform is for receiving described transaction request and performing clearing based on to the checking of described payment identity information;
Platform of user management, described platform of user management is used for verifying the described payment identity information being received from described settlement platform, if and be proved to be successful, then transmit the payment account information of the first payment account for paying or the account related information of described payment account information to described settlement platform, wherein said settlement platform is further used for, in response to the described payment account information obtaining described first payment account, performing clearing.
16. photon payment systems as claimed in claim 15, it is characterized in that, described photon payment terminal comprises:
Coding unit, described coding unit is used for encoding to described payment identity information; And
Optical Transmit Unit, described light emitting units emitting indicates the described light signal of encoded described payment identity information.
17. photon payment systems as claimed in claim 16, it is characterized in that, described photon payment terminal also comprises:
Ciphering unit, described ciphering unit is used for first being encrypted described payment identity information before described coding unit carries out described coding, and wherein said coding unit is used for carrying out described coding to encrypted described payment identity information.
18. photon payment systems as claimed in claim 15, it is characterized in that, described photon acceptor end comprises:
Light receiving unit, described light receiving unit is for receiving described light signal and by opto-electronic conversion, described light signal being converted to electric signal.
19. photon payment systems as claimed in claim 15, it is characterized in that, if described platform of user management is also for authentication failed, then transmit authentication failed message to described settlement platform, wherein said settlement platform is also for being transmitted to described photon acceptor end in response to receiving described authentication failed message by described authentication failed message.
20. photon payment systems as claimed in claim 15, it is characterized in that, also comprise trading server, wherein said settlement platform is also for transmitting clearing request to described trading server, described clearing request comprises the described payment account information of described first payment account, and described trading server is used for withholing according to payment to described first payment account and withholdd item being put under the trading account of described settlement platform.
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US15/336,830 US20170046705A1 (en) 2014-04-30 2016-10-28 Payment method and payment system

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WO2015165426A1 (en) * 2014-04-30 2015-11-05 深圳光启智能光子技术有限公司 Payment method and payment system
CN105631663A (en) * 2015-12-18 2016-06-01 郑州天迈科技股份有限公司 Photon-based bus ride payment method
CN107274181B (en) * 2016-04-06 2022-06-03 西安中兴新软件有限责任公司 Optical payment method, device and system based on wearable device
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