A kind of method of mobile payment based on bluetooth and system
Technical field
The present invention relates to mobile payment field, be specifically related to a kind of method of mobile payment based on bluetooth and system.
Background technology
Universal along with mobile network and smart mobile phone, substitutes various function card with the mobile phone carried with and carries out mobile payment, just becoming inevitable.Such as various bank card, mass transit card, subway card etc.So-called mobile payment, allows user to use its mobile terminal (normally mobile phone) to carry out a kind of method of service of account payment to consumed commodity or service exactly.In all multi-methods of existing near field mobile payment, the method for existing mobile terminal pairing has the mode such as NFC (NearFieldCommunication, near field wireless telecommunications), bluetooth, Quick Response Code.This mode of NFC because of deployment cost high, at present mostly mobile phone does not configure this function, is difficult to be widely applied.
At the most mobile phone of existing market all with Bluetooth function, provide basis for being widely used near field mobile payment.But because the broadcast signal range of bluetooth is wide, positioning precision is usually to about meter level.Not high easily the making the mistake when concluding the business of positioning precision links or activates without permission.Such as when queuing brush machine is concluded the business, easily cause the unauthorized brush by mistake of user, be also difficult to the mistake brush of user before and after distinguishing.On the other hand, Bluetooth signal is easily blocked, and after such as being intercepted by people's malice during user's brush machine, by the user's legal information obtained in the transaction of another POS brush machine, causes the loss of user or businessman.
Summary of the invention
The technical problem to be solved in the present invention: in prior art, when carrying out mobile payment with mobile intelligent terminal, adopting single Blue-tooth communication method easily to make the mistake when concluding the business to link or activate without permission, existing and paying problem not high between dangerous and Consumer's Experience.Namely propose a kind of safety requirements that can meet information in small amount payment, the method for user's fast transaction can be met again.
Realize above-mentioned purpose for this reason, the invention provides a kind of method of mobile payment based on bluetooth, it is characterized in that comprising the following steps:
S1: mobile intelligent terminal logs in APP client, obtains consumption certificate by network support platform to the back-end, and opens sound wave and intercept and Bluetooth function;
S2:POS terminal generates the identification code for confirming identity, sends to mobile intelligent terminal after being modulated into the sound wave of corresponding frequencies;
S3: mobile intelligent terminal converts described sound wave to described identification code, and the broadcast data packet comprising described identification code and described consumption certificate is broadcasted by bluetooth;
S4:POS terminal obtains described broadcast data packet by bluetooth scanning;
S5: when containing the identification code that described POS terminal sends in the broadcast data packet obtained, POS terminal resolves described consumption certificate, is verified, and carries out transaction processing.
Further, also comprise step S6:POS terminal and transaction processing result is formed code and the sound wave converting corresponding frequencies to is sent to mobile intelligent terminal.
Further, also comprise step S7: described Transaction Information is uploaded to the support platform of rear end by described POS terminal, carry out sorting and clearing by described support platform.
For improving security, step S3 also comprises with described identification code for broadcast data packet described in double secret key is encrypted process; Correspondingly, step S4 also comprises with described identification code for broadcast data packet described in double secret key is decrypted process.
Described sound wave is 4khz ~ 19khz
.
Described mobile intelligent terminal is smart mobile phone, panel computer or wearable device.
The sound wave of described POS terminal and bluetooth are by sensor-triggered, and described sensor is for responding to mobile intelligent terminal.
The present invention also provides the another kind of method of mobile payment based on bluetooth, specifically:
S1: mobile intelligent terminal logs in APP client, obtains consumption certificate by network support platform to the back-end, and opens sound wave and Bluetooth function;
S2: mobile intelligent terminal generates the identification code for confirming identity, sends to POS terminal after being modulated into the sound wave of corresponding frequencies;
S3: mobile intelligent terminal will comprise described identification code and described consumption certificate synthesis broadcast data packet, and be broadcasted by bluetooth;
S4:POS terminal obtains described broadcast data packet by bluetooth scanning, obtains described identification code by intercepting sound wave simultaneously;
S5: when the identification code that contains in the broadcast data packet that POS terminal obtains with by intercept identification code that sound wave obtains identical time, resolve described consumption certificate, be verified, carry out transaction processing.
Further, also comprise step: described Transaction Information is uploaded to the support platform of rear end by described POS terminal, carry out sorting and clearing by described support platform.
The present invention also provides a kind of mobile-payment system based on bluetooth, comprise mobile intelligent terminal, POS terminal and be located at the support platform of network backend, it is characterized in that: described mobile intelligent terminal is provided with microphone module, data conversion module, bluetooth module I, mixed-media network modules mixed-media; Described POS terminal is provided with sound wave modulation module, loudspeaker module, bluetooth module II, CPU (central processing unit) module, memory module, mixed-media network modules mixed-media; The sound wave modulation module of described POS terminal is used for digital signal modulated to become corresponding frequency of sound wave signal; Described loudspeaker module is used for sending sound wave; The microphone module of described mobile intelligent terminal is for receiving sound wave; Described data conversion module is used for information of acoustic wave to be converted to authentication code; Described memory module is used for store transaction information; Described support platform is for providing user the consumption certificate of legal proof.
Further, POS terminal also comprises sensor assembly, after described sensor assembly is used for sensing mobile intelligent terminal, trigger described loudspeaker module play and described bluetooth module II scan.
The present invention contrasts prior art and has following beneficial effect:
In the present invention, adopt bluetooth in conjunction with the double verification mode of Acoustic Wave Propagation data, solve because alone Bluetooth broadcast range of signal extensively causes the problem of brushing by mistake, and prevent from illegally being grabbed broadcast packet and then usurping consumption certificate carrying out transaction issues, guarantee transaction security.Contain the consumption certificate of user profile by the bluetooth transmission transmission package of broadcast-scanning simultaneously, realize without the need to pre-setting address information, also connect without the need to the coupling of carrying out between mobile intelligent terminal and POS terminal, improve payment speed greatly, further increase Consumer's Experience.
Accompanying drawing explanation
Fig. 1 is the method for mobile payment schematic flow sheet of the embodiment of the present invention one;
Fig. 2 is the method for mobile payment schematic flow sheet of the embodiment of the present invention two;
Fig. 3 is the another kind of method of mobile payment schematic flow sheet of the embodiment of the present invention three;
Fig. 4 is the structural representation of mobile-payment system of the present invention.
Embodiment
Below in conjunction with accompanying drawing, the present invention is further described, but protection scope of the present invention is not only confined to following specific embodiment.Herein " POS(PointofSales) terminal " comprise the data that can gather mobile intelligent terminal, and carry out a kind of equipment of data processing, transmission feedback." consumption certificate " is for generating in the support platform of network backend and issuing one section of ciphertext of mobile intelligent terminal herein, comprises the information such as user profile, rise time, remaining sum, limit.Prove for transmission of information and legitimacy in this process of consumption of user, user need conclude the business with this voucher.
Be described for underground ticket checking method below.For with mobile intelligent terminal when underground ticket checking, often have these problems: 1, my wish non-brush by mistake; 2, front and back user brush by mistake; 3, legal consumption certificate is stolen at other POS terminal brush machine; 4, transactions velocity is slow, and Consumer's Experience is not good.
Embodiment one:
See Fig. 1, a kind of method of mobile payment based on bluetooth comprises the steps:
S1: mobile intelligent terminal logs in APP client, obtains consumption certificate by network support platform to the back-end, and opens sound wave and intercept and Bluetooth function;
S2: user, by the sensor of mobile intelligent terminal (as smart mobile phone) near POS terminal, triggering POS terminal stochastic generation for confirming an identification code of identity, sending to mobile intelligent terminal after being modulated to the sound wave of corresponding frequencies; In order to reduce interference, being such as 4 ~ 19khz with sound wave, being corresponding in turn to character 0 ~ 9, A ~ F, corresponding to following table, the 2nd row unit is khz:
0 |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
A |
B |
C |
D |
E |
F |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
13 |
14 |
15 |
16 |
17 |
18 |
19 |
Such as, in one embodiment, CPU (central processing unit) generating identification code is: 2A9735, then will be converted to the sound wave of several class frequencys of frequency 6khz, 14khz, 13khz, 11khz, 7khz, 9khz;
S3: described sound wave is converted to identification code (being 2A9735 in one embodiment) by mobile intelligent terminal, identification code is become broadcast data packet with the information combination of consumption certificate etc., and is broadcasted by bluetooth;
S4:POS terminal obtains broadcast data packet by bluetooth scanning;
S5: when POS terminal judges the identification code (in one embodiment as 2A9735) containing POS terminal transmission just now in the broadcast data packet obtained, thinks that identity of this transaction of this mobile intelligent terminal is legal; So POS terminal resolves the consumption certificate received, the information such as legitimacy, remaining sum of this user of checking, if the verification passes, then carries out transaction processing further;
The sound wave that the code that transaction processing result (such as " time-out " " Sorry, your ticket has not enough value ") is formed converts corresponding frequencies to is sent to mobile intelligent terminal by S6:POS terminal.The information displaying that mobile terminal is corresponding according to transaction results code; Such as " 1 " representative " Sorry, your ticket has not enough value " etc.;
S7: after having concluded the business, Transaction Information is uploaded to the support platform of network backend by POS terminal, carries out sorting and clearing by rear end support platform.
When not comprising the identification code that POS terminal sends in the broadcast data packet that POS terminal scans, then think that this mobile intelligent terminal is not the validated user that this is concluded the business, POS terminal refusal resolves checking consumption certificate further, and wait is concluded the business next time.
Described sound wave is sent by the loudspeaker module of described POS terminal to receive with the microphone module of described mobile intelligent terminal.
Described mobile intelligent terminal comprises smart mobile phone, panel computer or wearable device.
Embodiment two:
Another kind as shown in process flow diagram 2 based on the method for mobile payment embodiment of bluetooth, specifically:
S1: user's mobile intelligent terminal logs in APP client, obtains consumption certificate by network support platform to the back-end, and opens sound wave and intercept and Bluetooth function;
S2: user, by the sensor of mobile intelligent terminal near POS terminal, triggers POS terminal and generates the identification code being used for this transaction, send to mobile intelligent terminal after being modulated into the sound wave of corresponding frequencies; In order to reduce interference, sound wave used is 4 ~ 19khz, is corresponding in turn to character 0 ~ 9, A ~ F; In order to reduce interference, being such as 4 ~ 19khz with sound wave, being corresponding in turn to character 0 ~ 9, A ~ F, the corresponding table as embodiment one correspondence,
Such as, in one embodiment, CPU (central processing unit) generating identification code is: 2A9735, then will be converted to the sound wave of several class frequencys of frequency 6khz, 14khz, 13khz, 11khz, 7khz, 9khz;
S3: the sound wave received is changed out described identification code by mobile intelligent terminal, and with this identification code for key, the broadcast data packet comprising this identification code and consumption certificate is encrypted, is then broadcasted by bluetooth;
S4:POS terminal obtains described broadcast data packet by bluetooth scanning, and with this identification code for key, is decrypted broadcast data packet;
S5: work as successful decryption, and when containing the identification code of described POS terminal transmission in the broadcast data packet obtained, think that this mobile terminal is the legal identity of this transaction, so POS terminal resolves received consumption certificate further, the information such as legitimacy, remaining sum of further this user of checking, by then carrying out transaction processing;
Transaction processing result is formed code to S6:POS terminal and the sound wave converting corresponding frequencies to is sent to mobile intelligent terminal;
S7: after having concluded the business, Transaction Information is uploaded to the support platform of rear end by POS terminal, carries out sorting and clearing by rear end support platform.
When POS terminal can not decipher the broadcast data packet scanned, or when packet does not comprise the identification code that POS terminal sends, then think that this user is not the validated user of this transaction, namely POS terminal refusal resolves checking consumption certificate further, Fail Transaction.
Embodiment three:
As Fig. 3 to be the present embodiment be another kind of method of mobile payment based on bluetooth, specifically comprise the following steps:
S1: mobile intelligent terminal logs in APP client, obtains consumption certificate by network support platform to the back-end, and opens sound wave and bluetooth playing function;
S2: mobile intelligent terminal generates an identification code for confirming identity, and send to POS terminal after being modulated into the sound wave of corresponding frequencies, frequency of sound wave is corresponding with character as aforementioned corresponding table, can be repeated no more;
S3: on the other hand, the broadcast data packet comprising identification code and consumption certificate is broadcasted by bluetooth by mobile intelligent terminal;
S4:POS terminal obtains described broadcast data packet by bluetooth scanning;
S5:POS terminal is when the identification code that contains in the broadcast data packet obtained and POS terminal are identical by the identification code of intercepting sound wave and obtaining, think that this mobile terminal is the legal identity of this transaction, so POS terminal resolves received consumption certificate further, the information such as legitimacy, remaining sum of further this user of checking, by then carrying out transaction processing.
Embodiment four:
See Fig. 4, a kind of mobile-payment system based on bluetooth that the present embodiment provides, comprise mobile intelligent terminal, POS terminal and be located at the support platform of network backend, described mobile intelligent terminal is provided with microphone module, data conversion module, bluetooth module I, mixed-media network modules mixed-media; Described POS terminal is provided with sound wave modulation module, loudspeaker module, bluetooth module II, CPU (central processing unit) module, memory module, mixed-media network modules mixed-media; The sound wave modulation module of described POS terminal is used for digital signal modulated to become corresponding frequency of sound wave signal; Described loudspeaker module is used for sending sound wave; The microphone module of described mobile intelligent terminal is for receiving sound wave; Described data conversion module is used for information of acoustic wave to be converted to authentication code; Described memory module is used for store transaction information; Described support platform is for providing user the consumption certificate of legal proof.
Further, described bluetooth module I and described bluetooth module II is more than 4.0 or 4.0 version of bluetooth.
Described mobile intelligent terminal comprises smart mobile phone, panel computer or wearable device.
Described mixed-media network modules mixed-media is wifi network, 3G network or 4G network.
Sonic transmissions and Bluetooth transmission are combined by the present invention.Solve because alone Bluetooth broadcast range of signal extensively causes the problem of brushing by mistake, and prevent from illegally being captured broadcast packet and then usurping consumption certificate carrying out transaction issues, guarantee transaction security.Mobile intelligent terminal and POS terminal confirm the legitimacy of both sides by exchange identification code simultaneously, even if be blocked, also cannot conclude the business in other POS terminal, strengthen the safety of transaction further.
Above content can not assert that the present invention specifically implements to be confined to these explanations; for general technical staff of the technical field of the invention; do not departing under concept thereof of the present invention, the some simple deduction or replace made, all should be considered as belonging to the scope of patent protection that the present invention determines.