CN104850988A - Mobile payment system, method thereof and related equipment - Google Patents
Mobile payment system, method thereof and related equipment Download PDFInfo
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- CN104850988A CN104850988A CN201510234539.8A CN201510234539A CN104850988A CN 104850988 A CN104850988 A CN 104850988A CN 201510234539 A CN201510234539 A CN 201510234539A CN 104850988 A CN104850988 A CN 104850988A
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Abstract
The present invention discloses a mobile payment system, a method thereof and related equipment. According to the technical scheme of the invention, through the flicker of a light emitting element on a handheld terminal, the needed interactive information in the mobile payment process is converted into a visible light signal, wherein the interactive information comprises the needed identity authentication information in the mobile payment process, the visible light signal is received by a visible light signal receiving end and is converted into a level signal, and a payment and settlement system obtains the interactive information and executes a corresponding payment service according to the level signal. Compared with the existing mobile payment mode, the system, the method and the related equipment have the advantages of simple operation process, high safety, high efficiency, good man-machine interactive experience and low cost.
Description
Technical field
The present invention relates to technical field of information processing, particularly relate to a kind of mobile-payment system, method and relevant device.
Background technology
Along with popularizing of mobile terminal, mobile payment is risen fast at the proportion in whole payment market, and wherein, near field pays the one as mobile payment, along with the combination of internet and entities business becomes important all the more.
Particularly, at present, near field pays and mainly contains following several form:
One, terminal initiatively barcode scanning payment.That is, swept by terminal camera and get bar code on commodity or advice of settlement or Quick Response Code, the display amount of money to be paid or manually the input amount of money to be paid automatically, complete payment by terminal network afterwards.
Two, the passive barcode scanning of terminal pays.That is, terminal demonstration one can the bar code of representative of consumer identity or Quick Response Code, scans this bar code or Quick Response Code, under the help of clearing software, automatically complete clearing with dedicated scan rifle.
Three, sound wave pays.That is, sent the sound wave carrying identity information and payment information by terminal, receive this information by distant terminal or cash register etc. and complete payment; In addition, under this scene, also can send corresponding sound wave by cash register and receive payment by terminal.
Four, terminal initiatively NFC (Near Field Communication, near-field communication) payment.That is, the terminal possessing NFC chip, close to the commodity containing NFC label or charge equipment, reads the commodity in NFC label or service mark, and completes payment by terminal network.
Five, the passive NFC of terminal pays.That is, by the interior terminal containing NFC label near charge equipment, read the identity information in NFC label by charge equipment, complete respective pay.
But there is corresponding problem in said method in operation convenience, economy and security.Such as, terminal active barcode scanning pays and there is scanning process problem longer, not easy to identify consuming time; The passive barcode scanning of terminal pays to exist to be needed to customize special scanner equipment, makes payment cost problem costly; Sound wave pays exists the problem such as not easily connection or tie-time length in concrete use; There is the problems such as the scene that can support is limited, extendability is poor in NFC active or passive payment.In addition, fixing bar code, Quick Response Code, NFC label etc. also exist and are easily forged, and then the problem making payment system security lower.
That is, there is operating process complexity in existing mobile-payment system, security is low, efficiency is low or high in cost of production problem, therefore, needs badly and provide a kind of new mobile-payment system to solve the problem.
Summary of the invention
Embodiments provide a kind of mobile-payment system, method and relevant device, in order to solve, operating process existing for existing mobile-payment system is complicated, security is low, efficiency is low or high in cost of production problem.
Embodiments provide a kind of mobile-payment system, comprise handheld terminal, visible light signal receiving end and the payment and settlement system with light-emitting component, wherein:
Described handheld terminal, for receiving delivery operation instruction, and according to the described delivery operation instruction received, by controlling lighting or extinguishing of described light-emitting component, is converted to visible light signal by interactive information required in mobile payment process; Wherein, described interactive information comprises authentication information required in mobile payment process;
Described visible light signal receiving end, for receiving the described visible light signal that described light-emitting component is launched, and is converted to level signal by described visible light signal;
Described payment and settlement system, for according to described level signal, obtains described interactive information, and according to the described interactive information got, performs corresponding payment transaction.
Further, the embodiment of the present invention additionally provides a kind of method of mobile payment, comprising:
Handheld terminal receives delivery operation instruction;
According to the described delivery operation instruction received, by controlling lighting or extinguishing of light-emitting component in described handheld terminal, interactive information required in mobile payment process is converted to visible light signal, by visible light signal receiving end, described visible light signal is converted to level signal, by payment and settlement system according to described level signal, obtain described interactive information and perform corresponding payment transaction, wherein, described interactive information comprises authentication information required in mobile payment process.
Further, the embodiment of the present invention additionally provides another kind of method of mobile payment, comprising:
Visible light signal receiving end receives the visible light signal that the light-emitting component in handheld terminal is launched; Wherein, described visible light signal is that described handheld terminal is according to interactive information required in mobile payment process, light described light-emitting component or extinguish that control obtains, wherein, described interactive information comprises authentication information required in mobile payment process;
Described visible light signal is converted to level signal, by payment and settlement system according to described level signal, obtains described interactive information and perform corresponding payment transaction.
Further, the embodiment of the present invention additionally provides another kind of method of mobile payment, comprising:
The level signal that payment and settlement system generates according to visible light signal receiving end, obtains interactive information required in mobile payment process; Wherein, the described level signal visible light signal that to be described visible light signal receiving end launch the light-emitting component in handheld terminal carries out signal conversion and obtains; Described visible light signal is described handheld terminal according to interactive information required in mobile payment process, lights or extinguish that control obtains to described light-emitting component; Described interactive information comprises authentication information required in mobile payment process;
According to the described interactive information got, perform corresponding payment transaction.
Further, the embodiment of the present invention additionally provides a kind of handheld terminal, comprising:
Command reception module, for receiving delivery operation instruction;
Signal processing module, for the described delivery operation instruction that basis receives, by controlling lighting or extinguishing of light-emitting component in described handheld terminal, interactive information required in mobile payment process is converted to visible light signal, by visible light signal receiving end, described visible light signal is converted to level signal, by payment and settlement system according to described level signal, obtain described interactive information and perform corresponding payment transaction, wherein, described interactive information comprises authentication information required in mobile payment process.
Further, the embodiment of the present invention additionally provides a kind of visible light signal receiving equipment, comprising:
Visible ray receiver module, the visible light signal that the light-emitting component for receiving in handheld terminal is launched; Wherein, described visible light signal is that described handheld terminal is according to interactive information required in mobile payment process, light described light-emitting component or extinguish that control obtains, wherein, described interactive information comprises authentication information required in mobile payment process;
Signal processing module, for described visible light signal is converted to level signal, by payment and settlement system according to described level signal, obtains described interactive information and performs corresponding payment transaction.
Further, the embodiment of the present invention additionally provides a kind of payment and settlement system, comprising:
Signal processing module, for the level signal generated according to visible light signal receiving end, obtains interactive information required in mobile payment process; Wherein, the described level signal visible light signal that to be described visible light signal receiving end launch the light-emitting component in handheld terminal carries out signal conversion and obtains; Described visible light signal is described handheld terminal according to interactive information required in mobile payment process, lights or extinguish that control obtains to described light-emitting component; Described interactive information comprises authentication information required in mobile payment process;
Business execution module, for according to the described interactive information got, performs corresponding payment transaction.
Beneficial effect of the present invention is as follows:
Embodiments provide a kind of mobile-payment system, method and relevant device, in technical scheme described in the embodiment of the present invention, interactive information required in mobile payment process is converted into visible light signal by the flicker by light-emitting component on handheld terminal, wherein, described interactive information comprises authentication information required in mobile payment process, received this visible light signal by visible light signal receiving end and this visible light signal is converted to level signal and pass to payment and settlement system, by payment and settlement system according to this level signal, obtain interactive information and perform corresponding payment transaction, thus compared to existing mobile payment mode, there is operating process simple, high safety, efficiency is high, and man-machine interaction experience is good, the advantage of the low grade of cost.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, below the accompanying drawing used required in describing embodiment is briefly introduced, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Figure 1 shows that a kind of possible structural representation of mobile-payment system described in the embodiment of the present invention;
Figure 2 shows that the schematic flow sheet of the first method of mobile payment described in the embodiment of the present invention;
Figure 3 shows that the schematic flow sheet of the method for mobile payment of the second described in the embodiment of the present invention;
Figure 4 shows that the schematic flow sheet of the third method of mobile payment described in the embodiment of the present invention;
Figure 5 shows that a kind of possible structural representation of handheld terminal described in the embodiment of the present invention;
Figure 6 shows that can by a kind of possible structural representation of light signal receiving end described in the embodiment of the present invention;
Figure 7 shows that a kind of possible structural representation of payment and settlement system described in the embodiment of the present invention.
Embodiment
In order to make the object, technical solutions and advantages of the present invention clearly, below in conjunction with accompanying drawing, the present invention is described in further detail, and obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making other embodiments all obtained under creative work prerequisite, belong to the scope of protection of the invention.
Embodiment one:
The embodiment of the present invention one provides a kind of mobile-payment system, as shown in Figure 1, its a kind of possible structural representation being mobile-payment system described in the embodiment of the present invention one, described mobile-payment system can comprise handheld terminal 11, visible light signal receiving end 12 and the payment and settlement system 13 with light-emitting component 10, wherein:
Described handheld terminal 11, can be used for receiving delivery operation instruction, and according to the described delivery operation instruction received, by controlling lighting or extinguishing of described light-emitting component 10, interactive information required in mobile payment process is converted to visible light signal; Wherein, described interactive information comprises authentication information required in mobile payment process;
Described visible light signal receiving end 12, can be used for the described visible light signal receiving the transmitting of described light-emitting component 10, and described visible light signal is converted to level signal;
Described payment and settlement system 13, can be used for, according to described level signal, obtaining described interactive information, and according to the described interactive information got, performs corresponding payment transaction.
Alternatively, any one during described delivery operation instruction is not limited to give an order: input through keyboard instruction, touch instruction, gesture motion instruction or phonetic order etc., as long as it is mutual to make described handheld terminal 11 can perform operation interactive information required in mobile payment process being converted to visible light signal that it can realize between user and handheld terminal 11, the embodiment of the present invention does not repeat this.
In addition, it should be noted that, described delivery operation instruction is also carried in described interactive information, and (namely described interactive information is except can comprising authentication information required in mobile payment process, also can comprise described delivery operation instruction), to pass to described payment and settlement system 13 by described visible light signal receiving end 12, the embodiment of the present invention does not also repeat this.
Further, described authentication information (namely for information that the obligation authority to user, identity etc. are verified or identified) at least can comprise in following information any one or multiple: account, encrypted message or subscriber identity information (as identity ID etc. can the information of unique identification user identity) etc., as long as its can receive by payment and settlement system 13 and cause it to perform corresponding payment transaction.
In addition, the login account (as bank's card number etc.) that account described herein can comprise the mobile-payment systems such as banking system or the login account etc. of other system (as the network social intercourse system such as microblogging, micro-letter) be associated with mobile-payment system; Encrypted message described herein can comprise preset static password (the fixing login password etc. as matched with corresponding login account number), or the dynamic password etc. dynamically generated, and the embodiment of the present invention does not all repeat this.Further, it should be noted that, the authentication information described in the embodiment of the present invention normally described handheld terminal 11 generates (comprising direct acquisition) in real time according to the delivery operation instruction received, and the embodiment of the present invention does not also repeat this.
Further, described handheld terminal 11 be not limited in following terminal any one: the special hand-held terminal etc. of mobile phone, panel computer, notebook computer or setting, as long as it has the light-emitting component 10 of sparkling, and, can be completed by hand-held by user and of the present invention interactive information required in mobile payment process is converted to visible light signal.
Further, described light-emitting component 10 at least can comprise the one or more luminescent devices for assisted photographic and/or shooting in described handheld terminal 11, or the one or more luminescent devices being exclusively used in transmitting visible light signal in described handheld terminal 11, as long as its can control by handheld terminal 11, interactive information required in mobile payment process is converted to visible light signal.In addition, described light-emitting component 10 is not limited to the light-emitting component 10 that LED forms, and also can be the light-emitting component 10 that the common luminescent device such as incandescent lamp, fluorescent light forms, the embodiment of the present invention is not all limited in any way this.
Further, the visible light signal receiving end 12 in described mobile-payment system can be one or more.And, each visible light signal receiving end 12 can be the autonomous device independent of payment and settlement system 13, or, can also be integrated in integrated equipment on payment and settlement system 13 (as, it can be embedded in the inside or surface etc. of payment and settlement system 13 according to actual needs), as long as it can receive the visible light signal that the described light-emitting component 10 on described handheld terminal 11 produces, and this visible light signal is converted to corresponding level signal and passes to described payment and settlement system 13, the embodiment of the present invention is not construed as limiting this.
Alternatively, in embodiment of the present invention, described handheld terminal 11 specifically can be used for by built-in software systems, performs and receives delivery operation instruction and according to the described delivery operation instruction received, interactive information required in mobile payment process be converted to the operation of visible light signal etc.
Further, described handheld terminal 11 specifically can be used for by built-in software systems, interactive information required in mobile payment process is converted to binary code stream, and light-emitting component 10 is lighted or extinguishes according to described binary code current control, so that interactive information required in mobile payment process is converted to visible light signal.Such as, the lighting elements 10 when data are 0, extinguishes light-emitting component 10 when data are 1; Or the lighting elements 10 when data are 1, extinguish light-emitting component 10 etc. when data are 0, the embodiment of the present invention is not limited in any way this.
Further, in embodiment of the present invention, described visible light signal receiving end 12 specifically can be used for lighting or extinguishing two states according to described light-emitting component 10, and the described visible light signal that described light-emitting component 10 is launched is converted to level signal; Or, specifically can be used for the luminance difference between the light signal brightness of center position of the uneven light field formed on the surface of described visible light signal receiving end 12 according to described light-emitting component 10 and the light signal brightness at the marginal position place of described uneven light field, the described visible light signal that described light-emitting component 10 is launched is converted to level signal, to improve the anti-interference and sensitivity etc. in mobile payment process, the embodiment of the present invention is not limited in any way this.
Further, in order to carry out corresponding control to mobile payment process to improve the security of mobile payment process further, described mobile-payment system also can comprise payment administrative system 14:
Described payment administrative system 14, can be used for by carrying out information interaction with described handheld terminal 11, participates in the generation of authentication information required in mobile payment process; And/or,
Can be used for, by carrying out information interaction with described payment and settlement system 13, participating in the execution of corresponding payment transaction.
Such as, what to participate in mobile payment process required authentication information with described payment administrative system 14 is generated as example, and described payment administrative system 14 participates in the generation of authentication information, can comprise:
By carrying out information interaction with described handheld terminal 11, obtain a series of information such as the account of mobile payment user, encrypted message or subscriber identity information, and according to the information got, adopt the algorithm of setting to carry out the generation of dynamic password, and the authentication information that the dynamic password of generation is required in mobile payment process is returned to described handheld terminal 11.
It should be noted that, because the effective time of dynamic password is shorter, after user completes corresponding mobile payment, namely password lost efficacy, and security is high, thus, used dynamic password also greatly can improve the security of system as authentication information.
That is, in embodiment of the present invention, described handheld terminal 11, by carrying out the mode of information interaction with described payment administrative system 14, in the presence of described payment administrative system 14, carries out the generation of authentication information required in mobile payment process.
Certainly, it should be noted that, described handheld terminal 11 also can in the presence without the need to described payment administrative system 14, and carry out the generation of authentication information required in mobile payment process, the embodiment of the present invention is not construed as limiting this.As, described handheld terminal 11 is at least also by generating authentication information required in mobile payment process with under type:
Obtain a series of information such as the account of mobile payment user, encrypted message or subscriber identity information, and directly using authentication information required in mobile payment process for the above-mentioned information got; Or,
Obtain a series of information such as the account of mobile payment user, encrypted message or subscriber identity information, and according to the information got, the algorithm of setting is adopted to carry out the generation of dynamic password, and using authentication information required in mobile payment process for the dynamic password of generation.
Further, participate in the execution of payment transaction for described payment administrative system 14, described payment administrative system 14 participates in the execution of payment transaction, can comprise:
Judge the executive condition of payment transaction, when determining that the executive condition of payment transaction meets, instruction payment and settlement system 13 performs corresponding payment transaction.
Wherein, carry out judgement to the executive condition of payment transaction can comprise: judge whether the user corresponding to the authentication information that described payment and settlement system 13 gets possesses corresponding obligation authority, during as being the static password information of the account of banking system and correspondence when authentication information, judge whether these two information mate.Correspondingly, when determining that the user corresponding to the authentication information that described payment and settlement system 13 gets possesses corresponding obligation authority etc., then can determine that the executive condition of payment transaction is satisfied.
That is, in embodiment of the present invention, described payment and settlement system 13, by carrying out the mode of information interaction with described payment administrative system 14, in the presence of described payment administrative system 14, performs corresponding payment transaction.
Certainly, it should be noted that, described payment and settlement system 13 also can in the presence without the need to described payment administrative system 14, perform corresponding payment transaction, such as, described payment and settlement system 13 self performs the judgement etc. of the executive condition of payment transaction, and the embodiment of the present invention is not construed as limiting this.
Alternatively, the information interaction approach between described handheld terminal 11 and described payment administrative system 14 and the information interaction approach between described payment and settlement system 13 and described payment administrative system 14 at least comprise wired mode or wireless mode.Such as, meet the network completing data communication between equipment, system carry out information interaction, as LAN (Local Area Network), internet, Ethernet and 485 buses, CAN etc. by any type of between described handheld terminal 11 and described payment administrative system 14 and between described payment and settlement system 13 and described payment administrative system 14.
Further, it should be noted that, described payment administrative system 14 can be special in coordinate with handheld terminal 11, payment and settlement system 13 etc., the set specical software system for completing corresponding payment transaction function, also can be corresponding non-dedicated software systems, the embodiment of the present invention be limited in any way this.
Below, for instantiation, brief description will be carried out to the reciprocal process of the mobile-payment system described in the embodiment of the present invention:
One, the payment scene of corresponding bill has been generated for the other side:
In supermarket, the consumption place such as market and food and drink, user is before payment, and businessman all can produce the clear and definite bill of amount, now, user obtains corresponding bill by setting means, and after determining that bill is errorless, sends delivery operation instruction to handheld terminal 11.Handheld terminal 11 is after receiving this delivery operation instruction, can in the presence of payment administrative system 14, generate the authentication information being used for confirming payment result, and change the interactive information comprising this authentication information into visible light signal by light-emitting component 10 and send to visible light signal receiving end 12, and then by visible light signal receiving end 12, this interactive information is passed to payment and settlement system 13, corresponding payment transaction is performed (wherein according to this interactive information by payment and settlement system 13, payment and settlement system 13 specifically can in the presence of payment administrative system 14, perform payment transaction).
Particularly, payment and settlement system 13 performs corresponding payment transaction according to interactive information and can comprise: according to the authentication information consumer positioning account in interactive information, and from the user account of location, the amount of money that need pay gives corresponding account, as the Merchant Account of correspondence.
Wherein, it should be noted that, user carry out payment mutual before or carry out in payment reciprocal process user, the Merchant Account that payment and settlement system 13 or payment administrative system 14 can be corresponding with bill to be paid is associated, and knows the information such as corresponding payment.That is, in this scenario, user can without the need to transmitting payment information by handheld terminal 11 to payment and settlement system 13, that is, in interactive information without the need to carrying payment information.
Further, in this scenario, user obtains corresponding bill by following manner:
By handheld terminal 11, subscriber identity information etc. is transmitted into visible light signal receiving end 12 with the form of visible light signal, subscriber identity information etc. is passed to payment and settlement system 13 by this visible light signal receiving end 12, the bill of this user is pushed on the handheld terminal 11 of user by network (or by payment administrative system 14 by network) by payment and settlement system 13.
In addition, alternatively, in this scenario, interactive information (comprising delivery operation instruction, authentication information etc.) required in payment process also can directly be sent to payment administrative system 14 by handheld terminal 11, completed the payment of statement by payment administrative system 14, the embodiment of the present invention does not repeat this.
Two, for the payment scene of each payment certain amount of money and corresponding visible light signal receiving end being carried out associating in advance:
For all kinds of automatic vending machine (as Drink dispenser, lottery ticket automatic vending machine, film ticket automatic vending machine etc.), the commodity that its feature there are provided one or more fixed price are selected for user, if in advance the commodity of each fixed price under this scene are associated (such as with corresponding visible light signal receiving end, a visible light signal receiving end be associated with corresponding commodity is placed) below each Commercial goods labels, then, now, user is when sending the interactive information of visible light signal form by handheld terminal 11 to visible light signal receiving end 12, can without the need to carrying corresponding payment information, only can carry authentication information and the payment affirmation information etc. of commodity associated by visible light signal receiving end 12 (be it should be noted that, as a rule, only send authentication information, also can give tacit consent to and be derived as the payment affirmation of user to associated articles), payment and settlement system 13 is after receiving interactive information by visible light signal receiving end 12, can according to this interactive information, consumer positioning account, and the payment information associated by the user account of locating and visible light signal receiving end 12 directly performs corresponding payment transaction.
That is, under this scene, user can send a visible light signal by means of only handheld terminal 11 to the visible light signal receiving end 12 of correspondence, corresponding interactive information can be passed to payment and settlement system 13, and then complete payment.
Three, other pay scene:
In general payment scene, user needs, by handheld terminal 11, corresponding payment information is sent to visible light signal receiving end 12 (namely needing in interactive information to carry payment information), to complete payment, all the other payment flows and above-mentioned scene two similar, repeat no more herein.
The embodiment of the present invention one provides a kind of mobile-payment system, in technical scheme described in the embodiment of the present invention one, interactive information required in mobile payment process is converted into visible light signal by the flicker by light-emitting component on handheld terminal, wherein, described interactive information comprises authentication information required in mobile payment process, receive this visible light signal by visible light signal receiving end and this visible light signal is converted to level signal, by payment and settlement system according to this level signal, obtain interactive information and perform corresponding payment transaction.Namely, authentication information is transmitted to payment and settlement system by the flicker of light-emitting component on handheld terminal, to replace bar code scan conventional at present, the modes such as sonic transmissions or NFC communication, thus improve interactive efficiency, and, because whole use procedure cannot by peeping, take a picture, shooting, the modes such as radio-frequency apparatus reading steal transmitted information, thus, also can improve the security of system, have again, because whole process is without the need to equipment such as special scanners, thus, also can reduce the cost of system, thus compared to existing mobile payment mode, there is operating process simple, high safety, efficiency is high, and man-machine interaction experience is good, the advantage of the low grade of cost.
Embodiment two:
Based on same inventive concept, the embodiment of the present invention two provides three kinds respectively with the method for mobile payment that handheld terminal, visible light signal receiving end and payment and settlement system are executive agent, wherein, as shown in Figure 2, it for the first described in the embodiment of the present invention two is the schematic flow sheet of the method for mobile payment of executive agent with handheld terminal, and the first method of mobile payment described specifically can comprise the following steps:
Step 201: handheld terminal receives delivery operation instruction;
Step 202: according to the described delivery operation instruction received, by controlling lighting or extinguishing of light-emitting component in described handheld terminal, interactive information required in mobile payment process is converted to visible light signal, by visible light signal receiving end, described visible light signal is converted to level signal, by payment and settlement system according to described level signal, obtain described interactive information and perform corresponding payment transaction, wherein, described interactive information comprises authentication information required in mobile payment process.
Further, as shown in Figure 3, the schematic flow sheet of its method of mobile payment being executive agent with visible light signal receiving end for the second described in the embodiment of the present invention two, described the second method of mobile payment specifically can comprise the following steps:
Step 301: visible light signal receiving end receives the visible light signal that the light-emitting component in handheld terminal is launched; Wherein, described visible light signal is that described handheld terminal is according to interactive information required in mobile payment process, light described light-emitting component or extinguish that control obtains, wherein, described interactive information comprises authentication information required in mobile payment process;
Step 302: described visible light signal is converted to level signal, by payment and settlement system according to described level signal, obtains described interactive information and performs corresponding payment transaction.
Alternatively, described visible light signal receiving end can lighting or extinguishing two states according to described light-emitting component, and the described visible light signal launched by described light-emitting component is converted to level signal; Or,
Luminance difference between the light signal brightness of center position of the uneven light field that can be formed on the surface of described visible light signal receiving end according to described light-emitting component and the light signal brightness at the marginal position place of described uneven light field, the described visible light signal launched by described light-emitting component is converted to level signal, to improve the anti-interference and sensitivity etc. in mobile payment process, the embodiment of the present invention is not limited in any way this.
Further, as shown in Figure 4, it for the third described in the embodiment of the present invention two is the schematic flow sheet of the method for mobile payment of executive agent with payment and settlement system, and the third method of mobile payment described specifically can comprise the following steps:
Step 401: the level signal that payment and settlement system generates according to visible light signal receiving end, obtains interactive information required in mobile payment process; Wherein, the described level signal visible light signal that to be described visible light signal receiving end launch the light-emitting component in handheld terminal carries out signal conversion and obtains; Described visible light signal is described handheld terminal according to interactive information required in mobile payment process, lights or extinguish that control obtains to described light-emitting component; Described interactive information comprises authentication information required in mobile payment process;
Step 402: according to the described interactive information got, perform corresponding payment transaction.
That is, in technical scheme described in the embodiment of the present invention two, interactive information required in mobile payment process is converted into visible light signal by the flicker by light-emitting component on handheld terminal, wherein, described interactive information comprises authentication information required in mobile payment process, receive this visible light signal by visible light signal receiving end and this visible light signal is converted to level signal, by payment and settlement system according to this level signal, obtain interactive information and perform corresponding payment transaction, thus compared to existing mobile payment mode, there is operating process simple, high safety, efficiency is high, and man-machine interaction experience is good, the advantage of the low grade of cost.
Embodiment three:
Based on same inventive concept, the embodiment of the present invention three provides a kind of handheld terminal, the concrete enforcement of this handheld terminal can see the associated description in embodiment one, repetition part repeats no more, as shown in Figure 5, it is the structural representation of handheld terminal described in the embodiment of the present invention three, and described handheld terminal can comprise:
Command reception module 51, can be used for receiving delivery operation instruction;
Signal processing module 52, can be used for the described delivery operation instruction according to receiving, by controlling lighting or extinguishing of light-emitting component in described handheld terminal, interactive information required in mobile payment process is converted to visible light signal, by visible light signal receiving end, described visible light signal is converted to level signal, by payment and settlement system according to described level signal, obtain described interactive information and perform corresponding payment transaction, wherein, described interactive information comprises authentication information required in mobile payment process.
Further, based on same inventive concept, the embodiment of the present invention three additionally provides a kind of visible light signal receiving equipment (i.e. visible light signal receiving end), the concrete enforcement of this visible light signal receiving equipment can see the associated description in embodiment one, repetition part repeats no more, as shown in Figure 6, it can comprise for the structural representation of visible light signal receiving equipment described in the embodiment of the present invention three, described visible light signal receiving equipment:
Visible ray receiver module 61, can be used for the visible light signal of the light-emitting component transmitting received in handheld terminal; Wherein, described visible light signal is that described handheld terminal is according to interactive information required in mobile payment process, light described light-emitting component or extinguish that control obtains, wherein, described interactive information comprises authentication information required in mobile payment process;
Signal processing module 62, can be used for described visible light signal to be converted to level signal, by payment and settlement system according to described level signal, obtains described interactive information and performs corresponding payment transaction.
Alternatively, described signal processing module 62 specifically can be used for lighting or extinguishing two states according to described light-emitting component, and the described visible light signal launched by described light-emitting component is converted to level signal; Or,
Specifically can be used for the luminance difference between the light signal brightness of center position of the uneven light field formed on the surface of described visible light signal receiving end according to described light-emitting component and the light signal brightness at the marginal position place of described uneven light field, the described visible light signal launched by described light-emitting component is converted to level signal, to improve the anti-interference and sensitivity etc. in mobile payment process, the embodiment of the present invention is not limited in any way this.
Further, based on same inventive concept, the embodiment of the present invention three additionally provides a kind of payment and settlement system, the concrete enforcement of this payment and settlement system can see the associated description in embodiment one, repetition part repeats no more, as shown in Figure 7, it is the structural representation of payment and settlement system described in the embodiment of the present invention three, and described payment and settlement system can comprise:
Signal processing module 71, for the level signal generated according to visible light signal receiving end, obtains interactive information required in mobile payment process; Wherein, the described level signal visible light signal that to be described visible light signal receiving end launch the light-emitting component in handheld terminal carries out signal conversion and obtains; Described visible light signal is described handheld terminal according to interactive information required in mobile payment process, and light described light-emitting component or extinguish that control obtains, wherein, described interactive information comprises authentication information required in mobile payment process;
Business execution module 72, can be used for, according to the described interactive information got, performing corresponding payment transaction.
Although describe the preferred embodiments of the present invention, those skilled in the art once obtain the basic creative concept of cicada, then can make other change and amendment to these embodiments.So claims are intended to be interpreted as comprising preferred embodiment and falling into all changes and the amendment of the scope of the invention.
Obviously, those skilled in the art can carry out various change and modification to the present invention and not depart from the spirit and scope of the present invention.Like this, if these amendments of the present invention and modification belong within the scope of the claims in the present invention and equivalent technologies thereof, then the present invention is also intended to comprise these change and modification.
Claims (10)
1. a mobile-payment system, is characterized in that, comprises handheld terminal, visible light signal receiving end and the payment and settlement system with light-emitting component, wherein:
Described handheld terminal, for receiving delivery operation instruction, and according to the described delivery operation instruction received, by controlling lighting or extinguishing of described light-emitting component, is converted to visible light signal by interactive information required in mobile payment process; Wherein, described interactive information comprises authentication information required in mobile payment process;
Described visible light signal receiving end, for receiving the described visible light signal that described light-emitting component is launched, and is converted to level signal by described visible light signal;
Described payment and settlement system, for according to described level signal, obtains described interactive information, and according to the described interactive information got, performs corresponding payment transaction.
2. mobile-payment system as claimed in claim 1, it is characterized in that, described mobile-payment system also comprises payment administrative system:
Described payment administrative system, for by carrying out information interaction with described handheld terminal, participates in the generation of authentication information required in mobile payment process; And/or,
For by carrying out information interaction with described payment and settlement system, participate in the execution of payment transaction.
3. mobile-payment system as claimed in claim 1 or 2, is characterized in that, described authentication information at least comprise in following information any one or multiple: account, encrypted message or subscriber identity information.
4. mobile-payment system as claimed in claim 1 or 2, it is characterized in that, described light-emitting component at least comprises the one or more luminescent devices for assisted photographic and/or shooting in described handheld terminal, or is exclusively used in the one or more luminescent devices launching visible light signal in described handheld terminal.
5. a method of mobile payment, is characterized in that, comprising:
Handheld terminal receives delivery operation instruction;
According to the described delivery operation instruction received, by controlling lighting or extinguishing of light-emitting component in described handheld terminal, interactive information required in mobile payment process is converted to visible light signal, by visible light signal receiving end, described visible light signal is converted to level signal, by payment and settlement system according to described level signal, obtain described interactive information and perform corresponding payment transaction, wherein, described interactive information comprises authentication information required in mobile payment process.
6. a method of mobile payment, is characterized in that, comprising:
Visible light signal receiving end receives the visible light signal that the light-emitting component in handheld terminal is launched; Wherein, described visible light signal is that described handheld terminal is according to interactive information required in mobile payment process, light described light-emitting component or extinguish that control obtains, wherein, described interactive information comprises authentication information required in mobile payment process;
Described visible light signal is converted to level signal, by payment and settlement system according to described level signal, obtains described interactive information and perform corresponding payment transaction.
7. a method of mobile payment, is characterized in that, comprising:
The level signal that payment and settlement system generates according to visible light signal receiving end, obtains interactive information required in mobile payment process; Wherein, the described level signal visible light signal that to be described visible light signal receiving end launch the light-emitting component in handheld terminal carries out signal conversion and obtains; Described visible light signal is described handheld terminal according to interactive information required in mobile payment process, lights or extinguish that control obtains to described light-emitting component; Described interactive information comprises authentication information required in mobile payment process;
According to the described interactive information got, perform corresponding payment transaction.
8. a handheld terminal, is characterized in that, comprising:
Command reception module, for receiving delivery operation instruction;
Signal processing module, for the described delivery operation instruction that basis receives, by controlling lighting or extinguishing of light-emitting component in described handheld terminal, interactive information required in mobile payment process is converted to visible light signal, by visible light signal receiving end, described visible light signal is converted to level signal, by payment and settlement system according to described level signal, obtain described interactive information and perform corresponding payment transaction, wherein, described interactive information comprises authentication information required in mobile payment process.
9. a visible light signal receiving equipment, is characterized in that, comprising:
Visible ray receiver module, the visible light signal that the light-emitting component for receiving in handheld terminal is launched; Wherein, described visible light signal is that described handheld terminal is according to interactive information required in mobile payment process, light described light-emitting component or extinguish that control obtains, wherein, described interactive information comprises authentication information required in mobile payment process;
Signal processing module, for described visible light signal is converted to level signal, by payment and settlement system according to described level signal, obtains described interactive information and performs corresponding payment transaction.
10. a payment and settlement system, is characterized in that, comprising:
Signal processing module, for the level signal generated according to visible light signal receiving end, obtains interactive information required in mobile payment process; Wherein, the described level signal visible light signal that to be described visible light signal receiving end launch the light-emitting component in handheld terminal carries out signal conversion and obtains; Described visible light signal is described handheld terminal according to interactive information required in mobile payment process, lights or extinguish that control obtains to described light-emitting component; Described interactive information comprises authentication information required in mobile payment process;
Business execution module, for according to the described interactive information got, performs corresponding payment transaction.
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