CN104867008A - Offline mobile payment method and system - Google Patents
Offline mobile payment method and system Download PDFInfo
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- CN104867008A CN104867008A CN201510289398.XA CN201510289398A CN104867008A CN 104867008 A CN104867008 A CN 104867008A CN 201510289398 A CN201510289398 A CN 201510289398A CN 104867008 A CN104867008 A CN 104867008A
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- 230000005291 magnetic effect Effects 0.000 claims abstract description 121
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- 230000003068 static effect Effects 0.000 claims description 11
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- 230000008859 change Effects 0.000 description 4
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Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/347—Passive cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention discloses an offline mobile payment method. The method can realize non-contact type offline payment of a POS terminal, and result of the non-contact type offline payment is the same with that of card swiping payment. The method comprises that software is used to process source data including magnetic stripe information of a bankcard so that the source data passes a coding unit and a waveform modulation unit successively, and a modulation signal is generated; a smart phone outputs the modulation signal to a magnetic pulse emitter; the magnetic pulse emitter converts the modulation signal into a magnetic pulse signal, and transmits the magnetic pulse signal to a magnetic head of the POS terminal; and the POS terminal converts the magnetic pulse signal into magnetic stripe information of the bankcard, and payment is carried out. The invention also discloses an offline mobile payment system corresponding to the method.
Description
Technical field
Mobile payment technical field under the invention belongs to line, is specifically related to method of mobile payment and system thereof under a kind of line.
Background technology
Magnetic card is a kind of magnetic recording medium of card-like, and it utilizes magnetic carrier record character and numerical information, for identifying holder's identity or being used as other purposes.Such as the bank card of our use, is exactly a kind of modal magnetic card.Usually, the one side being applied to the magnetic card of banking system is printed with and indicative information is described, another side is then provided with magnetic stripe.Magnetic stripe generally has 3 magnetic tracks, to record relevant information data (comprising the information such as primary account number, date of expiration).Wherein, the 1st magnetic track is alphanumeric magnetic track, and the 2nd magnetic track is digital magnetic track, and the 3rd magnetic track is read-write magnetic track.In international standard ISO 7811 and 7813, the coding of magnetic stripe is illustrated.
Generally come to magnetic stripe recording information data by write head.Write head is had the annular core in space by interior and formed around the coil on iron core.When to magnetic stripe recording information data, magnetic stripe moves with certain speed relative record magnetic head, or write head moves relative to magnetic stripe with certain speed, and magnetic stripe is contacted with the space of write head.In the process of magnetic stripe and write head relative movement, the time dependent record current meeting certain rule is connected with in the coil of write head, thus gap produces the magnetic field proportional with record current, and the part that magnetic stripe is contacted with space is magnetized.After being magnetized, the magnetic stripe leaving the space of write head leaves and changes corresponding remanent magnetism with record current, thus information data being stored on magnetic stripe with remanent magnetism form.
When using magnetic card, such as, when using POS terminal brush bank card to pay in supermarket, magnetic card with certain speed by being equipped with the working head of coil, the magnetic induction line sectioned coil that remanent magnetism in magnetic stripe produces, in coil, produce induction electromotive force, thus complete information data from magnetic stripe to the transmission of working head.
If magnetic stripe is wiped free of magnetic strip information because of accident, when using bank card to carry out payment transaction, possibly cannot be read magnetic strip information by POS terminal, now just needing to adopt keyed input relevant information, even Cancelling Transaction.Nearly the magnetic stripe of 2/3rds reads is unsuccessfully caused by accidental erasure magnetic strip information (falling magnetic).Usually following several situation causing magnetic strip information to be lost is had:
1) magnetic card be placed in magnet or have near the household electrical appliance compared with high-intensity magnetic field effect, so that in card, magnetic medium lost efficacy by magnetic fields;
2) position of magnetic card in wallet or leather wallet too proximate magnetic bag buckle, cause magnetic medium on card by unbuilding;
3) because of keeping or use accidentally, magnetic card makes the magnetic strip information on card lose by External Force Acting, such as magnetic card pressurized, rolled over, scratched, made dirty;
4) unintentionally two magnetic cards are put together back-to-back, cause its magnetic medium phase mutual friction, collision and wrecking.
In daily life, when we go on a journey, usually carry with several magnetic cards (such as credit card, debit card, transportation card, member card etc.).Due to the magnetic card limited amount can put in a wallet, the magnetic card putting into wallet is caused to exist by the risk of demagnetization.In addition, along with increasing of magnetic card access times, magnetic card also can be increased by the risk of demagnetization.
Under improving subscribers feeder in the internet financial epoch, pay experience, and solve above-mentioned magnetic card loss of excitation risk problem, facilitate the use of magnetic card, smart mobile phone can be adopted to substitute the method for magnetic card, such as, use mobile phone to carry out near field and pay the payment of alternative bank card.At present, mobile phone near field pays mainly based on the short distance wireless communication technology (i.e. NFC, Near Field Communication), pays to complete fund.Adopt the short distance wireless communication technology to realize mobile phone near field to pay, need to implant NFC chip in smart mobile phone, need POS terminal to support NFC communication function simultaneously.And NFC chip is not set in normally used most of smart mobile phone, and pay huge equipment cost, recursion cost and training cost to not supporting the POS terminal transformation of NFC communication function to need.This just greatly limit the range of application adopting the short distance wireless communication technology to pay to realize mobile phone near field.
Publication number is that the Chinese patent of CN102256001A discloses a kind of near field payment method for smart phone, and the method adopts scheme as described below:
One is adopted not possess the mobile phone of NFC chip and the intelligent memory card of an application encipher algorithm, the digital certificate of bank card is downloaded in the intelligent memory card matched with this digital certificate, as evidence for payment, again intelligent memory card is inserted smart mobile phone, in the fuselage internal memory or intelligent memory card of smart mobile phone, near field communication transaction software is installed.By this smart mobile phone near POS terminal, utilize the radio communication installation of mobile phone and POS terminal to carry out near-field communication, obtain bank card authorization by certification digital certificate, then in POS terminal and mobile phone, show dealing money respectively.Finally by the near field communication transaction software in smart mobile phone, realize mobile-phone payment.
In the technical scheme that above-mentioned Chinese patent adopts, the smart mobile phone adopted and POS terminal must have the radio communication function matched simultaneously, and this radio communication can be infrared communication, Bluetooth communication or WIFI communication.Which limits the range of application (such as just can not use when smart mobile phone does not mate with the radio communication function of POS terminal) of this near field payment method for smart phone.In addition, use this near field payment method for smart phone, also need the pre-first to file of user to open Internet-based banking services and personal digital certificate, and digital certificate is downloaded to intelligent memory card, and this brings inconvenience to user.
On the other hand, be US4 in the patent No., 734,897, name is called in the United States Patent (USP) of " CASSETTE ADAPTER FORPLAYBACK DEVICE; SUCH AS A COMPACT DISK PLAYER ", disclose a kind of equipment, the other forms of audio stream of employing can be converted to magnetic-pulse signal by this equipment, and is passed to the magnetic head of tape player.Audio stream is passed to magnetic head with the form of magnetic-pulse signal identical with in the effect of magnetic head place brush tape.Magnetic-pulse signal is converted into the form can play by tape player further.
Based on above-mentioned United States Patent (USP), be US88 in the patent No., 140, in the United States Patent (USP) that 46B1, name are called " SYSTEM ANDMETHOD FOR A BASEBAND NEARFIELD MAGNETIC STRIPE DATATRANSMITTER ", further disclose a kind of near field magnetic stripe information communication system and method thereof, this near field magnetic stripe information communication system is made up of smart mobile phone and magnetic strip information transfer device.In an embodiment of this patent, magnetic strip information transfer device comprises apparatus for shaping, drive unit and induction installation.This communication system has carried out the communication from smart mobile phone to POS terminal by magnetic strip information transfer device, so that the bank card magnetic strip information in smart mobile phone is passed to POS terminal.The core function unit of this system, comprises waveform and generates and shaping, by hardware implementing, is restricted meeting in dirigibility and low-power consumption.Further, when this magnetic strip information transfer device is implemented mobile payment with peripheral hardware form (relative to being integrated in mobile phone), because its power consumption is comparatively large, so cannot accomplish passive.
Summary of the invention
The invention provides and a kind ofly may be used for realizing the magnetic-pulse communication means of mobile payment under contactless line and corresponding system.User can use smart mobile phone to substitute magnetic card, needing to use bank card to carry out the occasion paid, use its corresponding system according to this magnetic-pulse communication means, complete payment in the mode of mobile payment under contactless line in POS terminal, what this Zhi Fuyu swiped the card and pays comes to the same thing.
On the one hand, the invention provides method of mobile payment under a kind of line, the method comprises: use software, to the source data comprising bank card magnetic strip information, according to making described source data process through the order of coding unit, waveform modulated unit successively, generate modulation signal; Described modulation signal is exported to magnetic-pulse transmitter by smart mobile phone; Described magnetic-pulse transmitter converts described modulation signal to magnetic-pulse signal, and described magnetic-pulse signal is sent to the magnetic head of POS terminal; Described POS terminal converts the described magnetic-pulse signal received the magnetic strip information data of bank card to, and pays.On the other hand, the invention provides mobile-payment system under a kind of line, this system comprises: coding unit, for the source data comprising bank card magnetic strip information for input, generate the pulse signal matched with described source data; Waveform modulated unit, for described pulse signal for input, generate the modulation signal matched with described pulse signal; Smart mobile phone, for receiving and exporting described modulation signal; Magnetic-pulse transmitter, for receiving described modulation signal by the audio sockets of described smart mobile phone, and converts described modulation signal to magnetic-pulse signal, and exports described magnetic-pulse signal; POS terminal, for passing through its magnetic head from magnetic-pulse signal described in described magnetic-pulse transmitter receipt, converting the magnetic strip information data of bank card to, and paying by described magnetic-pulse signal.The present invention has following beneficial effect:
1, technical scheme of the present invention is adopted, the user profile data that can will the magnetic stripe of multiple magnetic cards record, or the user profile data comprised in IC-card, Quick Response Code, bar code, manual input or scanning are downloaded to smart mobile phone to carry out mobile payment, avoid carrying multiple cards simultaneously, it also avoid card and to lose or by the risk of demagnetization.
2, adopt technical scheme of the present invention, smart mobile phone can be used to substitute bank card and pay in POS terminal, convenient and swift; Under multiple-enciphered protection and dynamic payment code protection, use mobile-phone payment mode higher than the security of bank card payment.
3, adopting technical scheme of the present invention, can avoiding when using bank card payment, the risk that static bank card magnetic strip information is stolen.
4, technical scheme of the present invention is adopted, do not need to implant extra chip in smart mobile phone, do not need to transform existing POS terminal yet, and do not need POS terminal to have the radio communication function matched with smart mobile phone, technical scheme of the present invention is had wide range of applications, and saves a large amount of improvement costs.
5, adopt technical scheme of the present invention, when magnetic-pulse transmitter is used as peripheral device smart mobile phone, can accomplish completely passive; In the process generating magnetic-pulse signal, its coding, waveform modulated are all realized by the mode of software, thus make method dirigibility of the present invention high, and the power consumed is relatively low.
Accompanying drawing explanation
Fig. 1 .1 is the schematic diagram according to mobile-payment system under line of the present invention;
Fig. 1 .2 is schematic diagram biological characteristic/other special thing features and user account being carried out binding;
Fig. 1 .3 is the schematic diagram of a kind of magnetic-pulse communication means according to an embodiment of the invention;
Fig. 1 .4 is the schematic diagram of a kind of mobile-payment system of the U.S. Patent Publication of patent No. US88,140,46B1;
Fig. 2 is the vertical view according to the smart mobile phone in mobile-payment system under line of the present invention;
Fig. 3 is the front elevation of the magnetic-pulse transmitter under line according to an embodiment of the invention in mobile-payment system;
Fig. 4 is the vertical view of the transmitting terminal in the magnetic-pulse transmitter shown in Fig. 3;
Fig. 5 is the front elevation of the transmitting terminal in the magnetic-pulse transmitter shown in Fig. 3;
Fig. 6 be according in the transmitting coil in the magnetic-pulse transmitter in mobile-payment system under line of the present invention by magnetic effect phenomenon schematic diagram during electric current;
Fig. 7 be according to the magnetic-pulse transmitter in an embodiment of mobile-payment system under line of the present invention with adopt hollow bite type structure encapsulating shell coordinate schematic diagram;
Fig. 8 is the cut-open view of encapsulating shell along A-A direction in Fig. 7 of the bite type structure adopting hollow;
Fig. 9 be according to the magnetic-pulse transmitter in an embodiment of mobile-payment system under line of the present invention with adopt hung and buckled structure encapsulating shell coordinate schematic diagram;
Figure 10 is the vertical view of the encapsulating shell of the hung and buckled structure of the employing shown in Fig. 8;
Figure 11 is the use process flow diagram of mobile-payment system under line according to an embodiment of the invention.
Embodiment
Below, will by reference to the accompanying drawings, to being described according to some embodiments of the present invention and illustrating.Those of ordinary skill in the art will understand, these embodiments are illustrative and nonrestrictive.In other words, the embodiment shown in accompanying drawing is the embodiment of a part of the present invention and not all.And based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain when not making creative work, all belongs to the scope of this patent protection.
In addition, those of ordinary skill in the art also will understand, can be mobile phone peripheral hardware according to product of the present invention, it can adopt the forms such as card, key chain, bracelet.Alternatively, also product according to the present invention directly can be integrated in hand set machine shell.
With reference now to Fig. 1 .1, which schematically illustrates according to mobile-payment system under line of the present invention.As shown in Fig. 1 .1, under this line, mobile-payment system comprises smart mobile phone 10, magnetic-pulse transmitter 20 and POS terminal 40.The edge of this smart mobile phone 10 is provided with volume adjusting key 12, and audio jack 11 (see Fig. 2).This magnetic-pulse transmitter 20 inserts this smart mobile phone 10 by this audio jack 11.Magnetic head 41 is provided with in this POS terminal 40.Smart mobile phone 10 exports modulation signal to magnetic-pulse transmitter 20 by its audio jack 11, and this modulation signal is converted to magnetic-pulse signal by the latter, and launches this magnetic-pulse signal to the magnetic head of POS terminal 40.Use this system, can realize and the payment effect of swiping the card identical in POS terminal, thus payment consumption under completing line.Following steps are consisted essentially of according to method of mobile payment under line of the present invention:
S1. export modulation signal by the audio jack 11 of smart mobile phone 10 to magnetic-pulse transmitter 20, this modulation signal generates after source data modulation;
S2. simultaneously, provide energy needed for its work by audio jack 11 to magnetic-pulse transmitter 20 by smart mobile phone 10, modulation signal is converted to magnetic-pulse signal by magnetic-pulse transmitter 20;
S3. magnetic-pulse transmitter 20 launches magnetic-pulse signal to the magnetic head 41 of POS terminal 40 in a non contact fashion;
S4.POS terminal 40 receives this magnetic-pulse signal, and pays under completing line, and it is identical that the effect that pays of swiping the card in POS terminal 40 paid by lower of this line.
This source data packet contains the data of the track data coded format meeting magnetic card, its can be static payment code or dynamic payment code one of them, and there is binding relationship with corresponding user's Bank Account Number.
When source data is static payment code (such as, this static payment code can be the offline electronic payment code regularly replaced provided by mark service provider), this static payment code or by mark service provider directly generate, or adopt biological attribute data to generate by mark service provider, or other special thing characteristics (as keepsake, jewellery etc. have the object of uniqueness) are adopted to generate by mark service provider.This biological attribute data is one of them or its combination of voice print database, finger print data, palm print data, human face data or other biological characteristic.This static payment code adopts biological attribute data or other special thing characteristics to generate by marking service provider, can improve the security classification of user when carrying out mobile payment under line.
Fig. 1 .2 illustrates the flow process of biological attribute data or other special thing characteristics and user's Bank Account Number being carried out binding: first use smart mobile phone to gather biological attribute data or other special thing characteristics, then, the biological attribute data of collection or other special thing characteristics are uploaded to mark service provider (TSP, TokenService Provider) place; Mark service provider uses certain algorithm, and generate corresponding mark according to the biological attribute data uploaded or other special thing characteristics, this mark is the one piece of data in aforementioned payment code; Meanwhile, the mark of generation is bound with corresponding user's Bank Account Number, forms binding relationship one to one.In other words, when user uses biological attribute data (such as fingerprint) or other special thing characteristics pay, mark in the payment code generated just represents corresponding user's account No., also namely use this biological attribute data (as fingerprint) or other special thing characteristics to pay at mobile phone A PP end, be just equivalent to the user's Bank Account Number employed with its binding and pay.
When source data is dynamic payment code, this dynamic payment code generates by marking service provider, and joins with time correlation.Such as, this dynamic payment code can be by the payment code of mobile network to the one-time pad character of mark service provider application.
Described modulation signal both can be generated after modulation by source data smart mobile phone is local, also can be generated after modulation by source data beyond the clouds by operative intelligence phone network and by smart mobile phone through web download to smart mobile phone.
1) described modulation signal is if generated through modulation by source data in smart mobile phone this locality, in smart mobile phone, then need mobile payment program under hookup wire in advance, under this source data warp, the coding unit of mobile payment program, waveform modulated unit run generation modulation signal successively;
This modulation signal directly can export described magnetic-pulse transmitter 20 to by the audio jack 11 of smart mobile phone 10 in real time; Or in the data storage cell being first stored in smart mobile phone 10, when user implements mobile payment under line, remove the modulation signal file called in this data storage cell again, make this modulation signal export described magnetic-pulse transmitter 20 to by the audio jack 11 of smart mobile phone 10.
2) described modulation signal is if generated through modulation by source data beyond the clouds by operative intelligence phone network, then the coding unit of this source data through high in the clouds, waveform modulated unit run generation modulation signal successively;
This modulation signal can select one of following manner to export: after the described modulation signal of high in the clouds modulation generation is downloaded to smart mobile phone, directly export described magnetic-pulse transmitter 20 in real time to by the audio jack 11 of smart mobile phone 10, on mobile phone, such as use browser or other players to play back (such as in real time in the streaming media, now modulation signal file can be regarded as an audio file that can play, browser can be used to play online or use music player to play this audio file, this modulation signal is made to export magnetic-pulse transmitter with the form of music to from the audio jack of mobile phone), or first modulation signal is stored in smart mobile phone 10, when user calls the modulation signal file stored, exports magnetic-pulse transmitter 20 again to.
The modulation signal file of storage above-mentioned can be audio file or other files that can play or call.
See Fig. 1 .3, be generated as example in smart mobile phone this locality by source data modulation with modulation signal.This source data is payment code (dynamic or static), and under described line, mobile payment program divides two to carry out modulation treatment by the waveform processing unit of software simulating to payment code, and these two waveform processing unit are respectively coding unit, waveform modulated unit.
This coding unit be input as payment code, it exports the pulse signal for matching with payment code.This pulse signal is passed to this waveform modulated unit, the output of this waveform modulated unit is the modulation signal matched with this pulse signal.Finally, modulation signal exports at the audio jack place of smart mobile phone.This shows, under line of the present invention, method of mobile payment adopts software to carry out modulation treatment to source data to generate modulation signal, the modulation signal exported at the audio jack place of smart mobile phone does not need to carry out modulation treatment to it again, is directly converted to magnetic-pulse signal by magnetic-pulse transmitter and exports POS terminal to.
From Fig. 1 .3, can find out further, modulation signal after modulation treatment generates shows as the form of stream of pulses roughly, this stream of pulses with the recurrence interval long/combination that short (or frequency) and high/low level are formed makes modulation signal comprise the payment information of required transmission to state modulation signal.Further, the waveform of modulation signal can show as the rect.p. stream in non-critical meaning, and rect.p. stream has the fluctuation of either large or small amplitude usually in high level section or low level section, and amplitude fluctuation is as the criterion with the carrying out of mobile payment under not effect string; Rect.p. stream is also the VTOL (vertical take off and landing) edge in non-critical meaning at its negative edge or rising edge, and the duration of rising edge or negative edge and rate of change all can be converted to magnetic-pulse signal largely with modulation signal and be as the criterion.In addition, modulation signal can also show as other acceptable stream of pulses forms.
See Fig. 1 .4, be in a kind of near field magnetic stripe information communication system of the U.S. Patent Publication of US88,140,46B1 and the embodiment of method thereof in the patent No., what its smart mobile phone exported is the stream of pulses including bank card magnetic stripe data, and this stream of pulses signal that to be non-modulated cross.First, this signal smart mobile phone end export after, still need the modulation of the magnetic strip information transfer device through existing in the form of hardware (comprising apparatus for shaping, drive unit and induction installation) could receive by POS terminal.In addition, the signal that its smart mobile phone end exports is numerical coding stream, and now, what audio jack performed is communication effect, and audio jack just exports this numerical coding stream to magnetic strip information transfer device from smart mobile phone end.And, it can also be seen that from this patent, in its technical scheme, arranging magnetic stripe data emitter is because this numerical coding stream directly can not be passed to POS terminal, and this numerical coding stream just must can be POS terminal and receive after magnetic strip information transfer device is modulated further.
Referring now to Fig. 3 to Fig. 5, the magnetic-pulse transmitter 20 under line according to an embodiment of the invention shown in it in mobile-payment system.As shown in Figures 3 to 5, this magnetic-pulse transmitter 20 comprises audio connector 21, magnetic-pulse transmitting terminal 22, encapsulating shell 23.In addition, this magnetic-pulse transmitter 20 also comprises and gets source module and functional module (not shown).As shown in Figure 4 and Figure 5, magnetic-pulse transmitting terminal 22 is made up of magnet 221 and the transmitting coil 222 be wrapped on magnet 221, and this magnetic-pulse transmitting terminal 22 is encapsulated in encapsulating shell 23 inside.One end of transmitting coil 222 connects the R channel pole of audio connector 21, and its other end connects the common ground pole of audio connector 21.The cross-sectional dimension preferred value forming the wire of this transmitting coil 222 is 0.1 millimeter.
The source module of getting of magnetic-pulse transmitter is electrically connected with transmitting coil 222, and the functional module for magnetic-pulse transmitter provides required energy.Particularly, these transmitting coil two ends have voltage, and get source module with its two ends and be connected, and make to get source module and also have terminal voltage.Thus, get source module and there is electric energy, and energy can be provided for the functional module of such as magnetic-pulse transmitter.On the other hand, this functional module can comprise secret key storage unit, encryption and decryption/authentication ' unit, biological information extraction and authentication unit.The functional unit of functional module arranges and depends on concrete function demand when performing mobile payment under line and security classification.
Magnet 221 is in slice structure, and its profile is rectangle, ellipse or irregular shape.Why magnet 221 adopts slice structure, is to reduce its volume on the one hand, to facilitate encapsulation, is in order to reducing its volume while on the other hand, increases the surface area of transmitting coil 222, and makes it produce the magnetic field of wider coverage when being energized.The thickness of magnet 221 is preferably 0.1 millimeter.Encapsulating shell 23 can be cylindrical structure, or is the structure matched with the shape and structure of magnet 221.
Magnet 221 adopts magnetic material, and preferably, it can adopt soft magnetic material.Transmitting coil 222 can be entwined on magnet 221 by copper wire, and which kind of magnetic material the number of turns and the magnet of transmitting coil 222 adopt relevant, and the application scenarios also to concrete is relevant.Those skilled in the art know how this transmitting coil of Choice and design and this magnet, therefore repeat no more it.
For mobile-payment system under line of the present invention, when using it to pay, the audio connector 21 of magnetic-pulse transmitter 20 is in the state of the audio jack 11 inserting smart mobile phone.At audio jack 11 place of smart mobile phone 10, export this modulation signal with the form of the modulating current mating the Changing Pattern of SDI.Particularly, this modulating current flow through successively the R channel pole of audio connector 21, transmitting coil 222, audio connector 21 common ground pole (now suppose that modulating current value is for just; If modulating current value is negative, modulating current flow through direction in contrast).
When this modulating current flows through transmitting coil 222, as shown in Figure 6, this modulating current changes with certain rule, magnetic-pulse transmitting terminal 22 periphery is made to produce the magnetic field of certain limit, the scope in this magnetic field and magnetic induction density are determined by the Changing Pattern of modulating current, thus make magnetic-pulse transmitter 20 launch magnetic-pulse signal 50 to POS terminal.According to the distance of magnetic-pulse transmitter 20 with the magnetic head 41 of POS terminal 40, by the amplitude regulating the volume adjusting key 12 of smart mobile phone 10 to change modulation signal, to change the intensity of the magnetic-pulse signal 50 that magnetic-pulse transmitter 20 is launched to POS terminal 40.Or, do not adopt volume adjusting key 12 to carry out intensity adjustment, directly first the output intensity of magnetic-pulse signal 50 be set to maximal value.
Magnetic-pulse transmitter 20 is pressed close to the magnetic head 41 of POS terminal 40, make magnetic head 41 receive the magnetic-pulse signal 50 of magnetic-pulse transmitter 20 transmitting.Then, the magnetic-pulse signal 50 received is converted to the magnetic strip information data of magnetic card by POS terminal 40, thus to complete from described line mobile payment program to the communication of POS terminal.Processing mode magnetic-pulse signal being converted to the magnetic strip information data of magnetic card because of POS terminal is identical with the processing mode when POS terminal brush bank card, and those skilled in the art know this processing procedure, therefore do not repeat them here.
For ease of carrying, transmitter can be overlapped 30 and being designed to the bite type structure of hollow or hung and buckled structure.As shown in Figure 7 to 10, overlap on 30 at the transmitter of bite type structure and hung and buckled structure, be equipped with hanging hole 31 and fixed orifice 32, when carrying, make to reeve hanging hole 31, to hang transmitter cover 30, now the audio connector 21 of magnetic-pulse transmitter 20 inserts fixed orifice 32, with fixing magnetic-pulse transmitter 20.
As shown in figure 11, following steps are consisted essentially of according to the course of work of mobile-payment system under line of the present invention:
1) audio connector 21 of magnetic-pulse transmitter 20 is inserted in the audio jack 11 of smart mobile phone 10, and make smart mobile phone log in through password/fingerprint and open.
2) on smart mobile phone screen interface, select built-in wired mobile phone A PP software moving down dynamic payment program, and start this mobile phone A PP software.
3) on the mobile phone A PP software login interface started, username and password is used to log in.
4) from mobile phone A PP software application interface, select and enable the magnetic card preparing to use, mobile payment program under making the information data that the magnetic stripe of this magnetic card records be loaded into this line.
5) mobile phone A PP software applies for payment code by mobile network to mark service provider (TSP, Token ServiceProvider).
6) payment code is sent to smart mobile phone through mobile network, and two waveform processing unit of mobile payment program under this line, namely coding unit, waveform modulated unit, process payment code successively, and this payment code is modulated into modulation signal.
7) this magnetic-pulse transmitter 20 receives this modulation signal, is converted into magnetic-pulse signal 50.
8) magnetic-pulse transmitter 20 is pressed close to the magnetic head 41 of POS terminal 40, make this magnetic head 41 receive the magnetic-pulse signal 50 of magnetic-pulse transmitter 20 transmitting.The magnetic-pulse signal 50 received is converted to magnetic card magnetic strip information data by this POS terminal 40, and starts and pay, thus completes from the communication process of smart mobile phone 10 through magnetic-pulse transmitter 20 to POS terminal 40, realizes mobile payment under line.
In one embodiment, mobile payment program under user can directly use the line installed in smart mobile phone, the audio jack through smart mobile phone exports modulation signal, completes mobile payment under line.
In another embodiment, user can use the browser or other players installed in smart mobile phone, exports modulation signal in the mode of audio plays at the audio jack place of smart mobile phone, completes mobile payment under line.
In yet another embodiment, user can also use the player of other entities, as the entity player such as MP3 player, iPad, iPod, exports modulation signal equally with the pattern of audio plays at the audio jack place of smart mobile phone, completes mobile payment under line.
In the above-described embodiments, when modulation signal exports in the mode of audio plays, modulation signal exists with the form of audio file.This audio file can be stored in local audio file, also can be files in stream media, wherein, adopt the mode of real-time playing stream media file to be conducive to carrying out confidential treatment to mobile payment under line.
In addition, this audio file can only include the data of modulation signal self, and when playing this audio file, user can't hear music; This audio file can also be the data and the music that comprise modulation signal simultaneously, and namely the data of modulation signal are embedded among music, and when playing this audio file, user can hear the music of broadcasting.This just means, modulation signal can be contained in the specific song files of a certain head by user, embodies stronger personalization features.
In one embodiment of the invention, magnetic-pulse transmitter is with independently entity existence, and it relies on the hardware such as audio jack, audio jack and smart mobile phone to contact.Magnetic-pulse transmitter can also exist with dependent entity, as by the practical part of magnetic-pulse transmitter and magnetic-pulse transmitting terminal, comprise magnet and be wrapped in the transmitting coil on magnet, be arranged in smart mobile phone inside, and its part with the output aforementioned modulation signal of smart mobile phone is electrically connected.This integrated design can the use of convenient user and cost-saving.
Should be appreciated that exemplary embodiment as herein described is illustrative and nonrestrictive.And, can by each embodiment about each feature or in description be applicable to other similar characteristics in other embodiments or in.
Although describe one or more embodiment of the present invention by reference to the accompanying drawings, it should be understood by one skilled in the art that when not departing from the spirit and scope of the present invention limited by claims, the change of various forms and details can be made.
Claims (28)
1. a method of mobile payment under line, comprising:
Using software, to the source data comprising bank card magnetic strip information, according to making described source data process through the order of coding unit, waveform modulated unit successively, generating modulation signal;
Described modulation signal is exported to magnetic-pulse transmitter by smart mobile phone;
Described magnetic-pulse transmitter converts described modulation signal to magnetic-pulse signal, and described magnetic-pulse signal is sent to the magnetic head of POS terminal;
Described POS terminal converts the described magnetic-pulse signal received the magnetic strip information data of bank card to, and pays.
2. method of mobile payment under line as claimed in claim 1, wherein, described software is mobile payment program under the line installed in described smart mobile phone.
3. method of mobile payment under line as claimed in claim 1, wherein, described software runs beyond the clouds, and under described line, method of mobile payment also comprises, and after the described modulation signal of generation, described smart mobile phone obtains described modulation signal by web download.
4. method of mobile payment under line as claimed in claim 2 or claim 3, wherein, described magnetic-pulse transmitter is arranged in described smart mobile phone, under described line, method of mobile payment also comprises, after the described modulation signal of generation, described smart mobile phone exports described modulation signal to described magnetic-pulse transmitter in real time.
5. method of mobile payment under line as claimed in claim 2 or claim 3, wherein, described magnetic-pulse transmitter is arranged in described smart mobile phone, under described line, method of mobile payment also comprises, after the described modulation signal of generation, be stored in described smart mobile phone, when needs pay, described smart mobile phone calls the modulation signal file stored, and exports described modulation signal to described magnetic-pulse transmitter.
6. method of mobile payment under line as claimed in claim 2 or claim 3, wherein, described magnetic-pulse transmitter is arranged on beyond described smart mobile phone, under described line, method of mobile payment also comprises, after the described modulation signal of generation, export described modulation signal to described magnetic-pulse transmitter in real time by described smart mobile phone by its audio jack.
7. method of mobile payment under line as claimed in claim 2 or claim 3, wherein, described magnetic-pulse transmitter is arranged on beyond described smart mobile phone, under described line, method of mobile payment also comprises, after the described modulation signal of generation, be stored in described smart mobile phone, when needs pay, described smart mobile phone calls the modulation signal file stored, and exports described modulation signal to described magnetic-pulse transmitter by its audio jack.
8. method of mobile payment under line as claimed in claim 1, wherein, described source data be static payment code or dynamic payment code one of them, and to bind with corresponding bank card account number.
9. method of mobile payment under line as claimed in claim 8, wherein, described static payment code directly generates by marking service provider, or adopts biological attribute data to generate by mark service provider, or adopts other special thing characteristics to generate by mark service provider.
10. method of mobile payment under line as claimed in claim 9, wherein, described biological attribute data is one of them or its combination of voice print database, finger print data, palm print data, human face data or other biological characteristic.
Method of mobile payment under 11. lines as claimed in claim 10, wherein, described dynamic payment code is generated by mark service provider, and joins with time correlation.
Method of mobile payment under 12. lines as claimed in claim 11, wherein, described dynamic payment code is by the payment code of mobile network to the one-time pad character of mark service provider application.
Mobile-payment system under 13. 1 kinds of lines, comprising:
Coding unit, for the source data comprising bank card magnetic strip information for input, generate the pulse signal matched with described source data;
Waveform modulated unit, for described pulse signal for input, generate the modulation signal matched with described pulse signal;
Smart mobile phone, for receiving and exporting described modulation signal;
Magnetic-pulse transmitter, for receiving described modulation signal from described smart mobile phone, and converts described modulation signal to magnetic-pulse signal, and exports described magnetic-pulse signal;
POS terminal, for passing through its magnetic head from magnetic-pulse signal described in described magnetic-pulse transmitter receipt, converting the magnetic strip information data of bank card to, and paying by described magnetic-pulse signal.
Mobile-payment system under 14. lines as claimed in claim 13, wherein, described coding unit, waveform modulated unit are integrated in described smart mobile phone.
Mobile-payment system under 15. lines as claimed in claim 13, wherein, described coding unit, waveform modulated unit are integrated in high in the clouds, and described smart mobile phone obtains described modulation signal by web download.
Mobile-payment system under 16. lines as described in claims 14 or 15, wherein, described magnetic-pulse transmitter is arranged in described smart mobile phone.
Mobile-payment system under 17. lines as described in claims 14 or 15, wherein, described magnetic-pulse transmitter is arranged on beyond described smart mobile phone, and receives described modulation signal by the audio interface of described smart mobile phone.
Mobile-payment system under 18. lines as described in claims 14 or 15, wherein, described source data be static payment code or dynamic payment code one of them, and to bind with corresponding bank card account number.
Mobile-payment system under 19. lines as claimed in claim 18, wherein, described static payment code directly generates by marking service provider, or adopts biological attribute data to generate by mark service provider, or adopts other special thing characteristics to generate by mark service provider.
Mobile-payment system under 20. lines stated as claim 19, wherein, described biological attribute data is one of them or its combination of voice print database, finger print data, palm print data, human face data or other biological characteristic.
Mobile-payment system under 21. lines as claimed in claim 18, wherein, described dynamic payment code is generated by mark service provider, and joins with time correlation.
Mobile-payment system under 22. lines as claimed in claim 21, wherein, described dynamic payment code is by the payment code of mobile network to the one-time pad character of mark service provider application.
Mobile-payment system under 23. lines as claimed in claim 16, wherein, described magnetic-pulse transmitter comprises:
Magnetic-pulse transmitting terminal, it is made up of magnet and the transmitting coil be wrapped on magnet, and is electrically connected with the part of the described modulation signal of the output of described smart mobile phone.
Mobile-payment system under 24. lines as claimed in claim 17, wherein, described magnetic-pulse transmitter comprises:
Encapsulating shell;
Audio connector, for inserting the audio jack of described smart mobile phone, receives described modulation signal from described smart mobile phone;
Magnetic-pulse transmitting terminal, it is inner that it is encapsulated in described encapsulating shell, and be made up of magnet and the transmitting coil be wrapped on magnet, one end of described transmitting coil connects the R channel pole of described audio connector, the other end connects the common ground pole of described audio connector, and for described modulation signal is converted to described magnetic-pulse signal.
Mobile-payment system under 25. lines as claimed in claim 13, wherein, described magnetic-pulse transmitter also comprises functional module, and described functional module comprises secret key storage unit, encryption and decryption/authentication ' unit, biological information extraction and authentication unit.
Mobile-payment system under 26. lines as claimed in claim 25, wherein, described magnetic-pulse transmitter also comprises gets source module, described in get source module and be electrically connected with described transmitting coil, for powering for described functional module.
27., according to mobile system under line according to claim 23, is characterized in that: described magnet is slice structure, and its profile is rectangle, ellipse or irregular shape.
28., according to mobile system under line according to claim 24, is characterized in that: described magnet is slice structure, and its profile is rectangle, ellipse or irregular shape.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510289398.XA CN104867008B (en) | 2015-05-29 | 2015-05-29 | It is a kind of that method of payment and its system are moved down the line based on magnetic field impulse near-field communication |
| PCT/CN2016/083419 WO2016192562A1 (en) | 2015-05-29 | 2016-05-26 | Method and system of offline contactless mobile payment based on magnetic near field communication |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510289398.XA CN104867008B (en) | 2015-05-29 | 2015-05-29 | It is a kind of that method of payment and its system are moved down the line based on magnetic field impulse near-field communication |
Publications (2)
| Publication Number | Publication Date |
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| CN104867008A true CN104867008A (en) | 2015-08-26 |
| CN104867008B CN104867008B (en) | 2019-02-19 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201510289398.XA Expired - Fee Related CN104867008B (en) | 2015-05-29 | 2015-05-29 | It is a kind of that method of payment and its system are moved down the line based on magnetic field impulse near-field communication |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN104867008B (en) |
| WO (1) | WO2016192562A1 (en) |
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| CN105335849A (en) * | 2015-11-03 | 2016-02-17 | 上海易码信息科技有限公司 | Mobile payment apparatus |
| CN105512874A (en) * | 2015-09-01 | 2016-04-20 | 上海易码信息科技有限公司 | Online to offline mobile payment method for wearable devices |
| CN105721025A (en) * | 2016-03-14 | 2016-06-29 | 张培蕾 | Device for simulating magnetic data transmission by mobile phone |
| CN106060019A (en) * | 2016-05-20 | 2016-10-26 | 张宇川 | Bank account management system and method based on intelligent client |
| WO2016192562A1 (en) * | 2015-05-29 | 2016-12-08 | Shanghai Wearapay, Inc. | Method and system of offline contactless mobile payment based on magnetic near field communication |
| CN106600243A (en) * | 2016-08-30 | 2017-04-26 | 广州云融信息科技有限公司 | Mobile payment method and system based on mixed mode |
| CN106960339A (en) * | 2017-03-15 | 2017-07-18 | 上海易码信息科技有限公司 | A kind of SMD mobile payment device |
| WO2018133497A1 (en) * | 2017-01-23 | 2018-07-26 | 上海讯联数据服务有限公司 | Mobile payment information processing device and mobile payment method and system |
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| CN111861431A (en) * | 2020-06-08 | 2020-10-30 | 西安艾润物联网技术服务有限责任公司 | Digital currency payment method and system |
| CN112543417B (en) * | 2020-11-23 | 2022-03-18 | 支付宝(杭州)信息技术有限公司 | Data feedback system and method |
| CN112464206B (en) * | 2020-11-23 | 2023-06-13 | 支付宝（中国）网络技术有限公司 | Data feedback system and method and information identification method and system |
| CN113240060A (en) * | 2021-04-28 | 2021-08-10 | 浙江公羽电器有限公司 | Magnetic communication receiving system and method based on magnetic force signal |
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Also Published As
| Publication number | Publication date |
|---|---|
| WO2016192562A1 (en) | 2016-12-08 |
| CN104867008B (en) | 2019-02-19 |
| WO2016192562A9 (en) | 2017-05-18 |
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