CN107133790A - A kind of method of payment and system - Google Patents
A kind of method of payment and system Download PDFInfo
- Publication number
- CN107133790A CN107133790A CN201710228172.8A CN201710228172A CN107133790A CN 107133790 A CN107133790 A CN 107133790A CN 201710228172 A CN201710228172 A CN 201710228172A CN 107133790 A CN107133790 A CN 107133790A
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- China
- Prior art keywords
- card information
- frequency
- signal
- payment
- audio file
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
- G06Q20/327—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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
Abstract
The present invention relates to data processing field, more particularly to a kind of method of payment and system.The present invention passes through the terminal plays audio file towards reception card information, so that playing the coil mutual inductance on terminal magnetic head of the coil with receiving card information in the terminal horn of audio file, so as to convert audio signals into electric signal, decoding is carried out further according to electric signal and obtains corresponding card information, has reached that analogue magnetic card carries out the purpose of data interaction with service end.Compared with existing NFC payment technologies, NFC payment technologies need to increase NFC hardware modules in two terminals for carrying out data interaction simultaneously, and use method of payment proposed by the present invention without carrying out any hardware modification to existing terminal.
Description
Technical field
The present invention relates to data processing field, more particularly to a kind of method of payment and system.
Background technology
Traditionally, after people consume at trade company, magnetic card (including deposit card and credit card) is put into or presses close to POS
Row delivery operation.Due to trade company often from the different preferential activities of financial institution's cooperation development, promote people to be carried when going on a journey many
Magnetic card is opened, is inconvenient.
In order to solve the above-mentioned technical problem, the patent document of Application No. 200910009231.8 disclose a kind of NFC mobile phone-
POS method of payment, comprises the following steps：POS terminal starts NFC module；NFC mobile phone terminal is built with NFC POS terminals
Vertical NFC connections；NFC POSs terminal is sent by NFC signals to NFC mobile phone terminal and pays request；NFC mobile phone terminal is to bank
Network Mobility paying server sends payment instruction；Bank network mobile payment server sends payment instruction；Bank network is moved
Dynamic paying server sends to pay to NFC mobile phone terminal and NFC POSs terminal completes information.By above-mentioned technological means,
Mobile phone terminal binding magnetic card after, mobile phone can analogue magnetic card by POS carry out delivery operation, without carrying magnetic card.
But, increase NFC module is very difficult on the former mobile phone without NFC module and POS, and its reason exists
In first, the mobile phone of the POS/sold on having layouted, which carries out HardwareUpgring, can not only influence the normal of trade company/user to make
With also needing to expend substantial amounts of manpower and materials；Secondly, after the completion of POS/Cell Phone Design, internal usually not space installs any additional
Part.Similarly, it is other that data friendship between user and trade company is carried out by magnetic card in addition to the scene of bankcard consumption is carried out by POS
The problem of mutually scene of (e.g., the payment consumption amount of money and integration etc.) has same.
The content of the invention
The technical problems to be solved by the invention are：How on the premise of without adding hardware, client is set to simulate
Magnetic card carries out data interaction with service end.
In order to solve the above-mentioned technical problem, the technical solution adopted by the present invention is：
The present invention provides a kind of method of payment, including：
Receive the audio signal with card information；
The audio signal is decoded, the card information is obtained；
Delivery operation is performed according to the card information.
The present invention separately provides a kind of method of payment, including：
Obtain audio file corresponding with card information；
Play the audio file.
The present invention also provides a kind of method of payment, it is characterised in that including：
Client obtains audio file corresponding with card information；
Audio file described in client terminal playing；
Service end receives the audio signal with card information；
Service end decodes the audio signal, obtains the card information；
Service end performs delivery operation according to the card information.
The present invention also provides a kind of payment system, including：
Receiving module, for receiving the audio signal with card information；
Decoder module, for decoding the audio signal, obtains the card information；
Performing module, for performing delivery operation according to the card information.
The present invention also provides a kind of payment system, including：
Acquisition module, for obtaining audio file corresponding with card information；
Playing module, for playing the audio file.
The present invention also provides a kind of payment system, including：
Acquisition module, audio file corresponding with card information is obtained for client；
Playing module, for audio file described in client terminal playing；
Receiving module, the audio signal with card information is received for service end；
Decoder module, decodes the audio signal for service end, obtains the card information；
Performing module, delivery operation is performed for service end according to the card information.
The beneficial effects of the present invention are：The terminal for being generally used for receiving card information carries magnetic head, is used when magnetic card is contacted
When the terminal of card information is received, the change of magnetic flux can be caused, so that magnetic head interior loop two ends produce induced electromotive force, from
And magnetic signal is converted into electric signal, carrying out decoding further according to electric signal obtains corresponding card information；The branch that the present invention is provided
The method of paying passes through the terminal plays audio file towards reception card information so that play the line in the terminal horn of audio file
Coil mutual inductance on terminal magnetic head of the circle with receiving card information, so that electric signal is converted audio signals into, further according to telecommunications
Number carrying out decoding obtains corresponding card information, has reached that analogue magnetic card carries out the purpose of data interaction with service end.With it is existing
NFC payment technologies compare, NFC payment technologies need simultaneously carry out data interaction two terminals on increase NFC hardware moulds
Block, and method of payment proposed by the present invention is used without carrying out any hardware modification to existing terminal.
Brief description of the drawings
A kind of FB(flow block) of the embodiment for method of payment that Fig. 1 provides for the present invention；
A kind of FB(flow block) of the embodiment for method of payment that Fig. 2 separately provides for the present invention；
A kind of FB(flow block) of the embodiment for method of payment that Fig. 3 also provides for the present invention；
A kind of structured flowchart of the embodiment for payment system that Fig. 4 provides for the present invention；
A kind of structured flowchart of the embodiment for payment system that Fig. 5 separately provides for the present invention；
A kind of structured flowchart of the embodiment for payment system that Fig. 6 also provides for the present invention；
A kind of structured flowchart of the embodiment for payment system that Fig. 7 is provided again for the present invention；
A kind of structured flowchart of the embodiment for payment system that Fig. 8 is provided again for the present invention；
Label declaration：
1st, receiving module；2nd, decoder module；3rd, performing module；4th, acquisition module；5th, playing module；6th, audio makes mould
Block；61st, converting unit；62nd, the first generation unit；63rd, the second generation unit；
64th, the 3rd generation unit；7th, client；8th, service end.
Embodiment
To describe technology contents, the objects and the effects of the present invention in detail, below in conjunction with embodiment and coordinate attached
Figure is explained.
The design of most critical of the present invention is：By receiving and decoding the audio signal with card information, realize in nothing
On the premise of needing adding hardware, make client can analogue magnetic card and service end progress data interaction.
Fig. 1 be refer to Fig. 8,
As shown in figure 1, the present invention provides a kind of method of payment, including：
Receive the audio signal with card information；
The audio signal is decoded, the card information is obtained；
Delivery operation is performed according to the card information.
Further, in addition to：
The card information is changed into binary coding；
Generation audio signal corresponding with the binary coding.
Seen from the above description so that the audio signal of generation carries card information.
Further, audio signal corresponding with the binary coding is generated, is specially：
Default first frequency and second frequency；The second frequency is twice of the first frequency；
According to first frequency generation the first signal wave corresponding with the binary-coded state；
According to second frequency generation secondary signal ripple corresponding with the binary-coded another state；
First signal wave and the secondary signal ripple are synthesized according to the binary coding, the audio letter is obtained
Number.
Further, the audio signal with card information is received, is specially：
In the terminal with playing the audio signal audio signal is received within 5 millimeters.
Seen from the above description, within 5 millimeters, the audio signal with card information can be received.
As shown in Fig. 2 the present invention separately provides a kind of method of payment, including：
Obtain audio file corresponding with card information；
Play the audio file.
Further, the audio file is played, is specially：
In the terminal with receiving the card information within 5 millimeters, the audio file is played.
Further, in addition to：
The frequency of audio signal corresponding with the audio file is set in 2 KHzs to 20 kilohertz ranges.
Further, in addition to：
The card information is changed into binary coding；
Generation signal wave corresponding with the binary coding；
The audio file is generated according to the signal wave.
Further, signal wave corresponding with the binary coding is generated, is specially：
Default first frequency and second frequency；The second frequency is twice of the first frequency；
According to first frequency generation the first signal wave corresponding with the binary-coded state；
According to second frequency generation secondary signal ripple corresponding with the binary-coded another state；
First signal wave and the secondary signal ripple are synthesized according to the binary coding, obtained and the binary system
Encode corresponding signal wave.
Further, in addition to：
The terminal for receiving the card information performs delivery operation according to the signal wave received.
As shown in figure 3, the present invention also provides a kind of method of payment, including：
Client obtains audio file corresponding with card information；
Audio file described in client terminal playing；
Service end receives the audio signal with card information；
Service end decodes the audio signal, obtains the card information；
Service end performs delivery operation according to the card information.
Further, audio file described in client terminal playing, be specially：
Within 5 millimeters, the audio file is being played with the service end.
Further, in addition to：
The frequency of audio signal corresponding with the audio file is set in 2 KHzs to 20 kilohertz ranges.
Further, in addition to：
The card information is changed into binary coding；
Generation signal wave corresponding with the binary coding；
Audio file is generated according to the signal wave.
Further, signal wave corresponding with the binary coding is generated, is specially：
Default first frequency and second frequency；The second frequency is twice of the first frequency；
According to first frequency generation the first signal wave corresponding with the binary-coded state；
According to second frequency generation secondary signal ripple corresponding with the binary-coded another state；
First signal wave and the secondary signal ripple are synthesized according to the binary coding, obtained and the binary system
Encode corresponding signal wave.
As shown in figure 4, the present invention provides a kind of payment system, including：
Receiving module 1, for receiving the audio signal with card information；
Decoder module 2, for decoding the audio signal, obtains the card information；
Performing module 3, for performing delivery operation according to the card information.
As shown in figure 5, the present invention separately provides a kind of payment system, including：
Acquisition module 4, for obtaining audio file corresponding with card information；
Playing module 5, for playing the audio file.
As shown in fig. 6, the present invention also provides a kind of payment system, including：
Acquisition module 4, audio file corresponding with card information is obtained for client；
Playing module 5, for audio file described in client terminal playing；
Receiving module 1, the audio signal with card information is received for service end；
Decoder module 2, decodes the audio signal for service end, obtains the card information；
Performing module 3, delivery operation is performed for service end according to the card information.
Embodiments of the invention one are：
A kind of method of payment, comprises the following steps：
S1, card information is changed into binary coding；
S2, generation audio signal corresponding with the binary coding；Specially：Default first frequency and second frequency；
The second frequency is twice of the first frequency；According to first frequency generation and a binary-coded state
Corresponding first signal wave；According to second frequency generation secondary signal corresponding with the binary-coded another state
Ripple；First signal wave and the secondary signal ripple are synthesized according to the binary coding, the audio signal is obtained；
Wherein, the signal wave includes the signal wave that sine wave and triangular wave etc. have fixed frequency；
The audio signal of S3, reception with card information；Specially：In the terminal with playing the audio signal at a distance of 5
The audio signal is received within millimeter；
S4, the decoding audio signal, obtain the card information；
S5, according to the card information perform delivery operation.
Embodiments of the invention two are：
A kind of method of payment, comprises the following steps：
S1, the card information is changed into binary coding；
S2, generation signal wave corresponding with the binary coding；Specially：Default first frequency and second frequency；Institute
State twice that second frequency is the first frequency；According to first frequency generation and a binary-coded state pair
The first signal wave answered；According to second frequency generation secondary signal corresponding with the binary-coded another state
Ripple；First signal wave and the secondary signal ripple are synthesized according to the binary coding, obtained and the binary coding
Corresponding signal wave；
S3, the audio file generated according to the signal wave；
S4, acquisition audio file corresponding with card information；
S5, setting audio signal corresponding with the audio file frequency in 2 KHzs to 20 kilohertz ranges；
S6, the broadcasting audio file；Specially：In the terminal with receiving the card information within 5 millimeters, broadcast
Put the audio file；
S7, the terminal of the reception card information perform delivery operation according to the signal wave received.
Embodiments of the invention three are：
The present embodiment provides a kind of method of payment, including：
S1, card information is changed into binary coding；
S2, generation signal wave corresponding with the binary coding；Specially：Default first frequency and second frequency；Institute
State twice that second frequency is the first frequency；Generated according to the first frequency corresponding with a binary-coded state
The first signal wave；According to second frequency generation secondary signal ripple corresponding with the binary-coded another state；
First signal wave and the secondary signal ripple are synthesized according to the binary coding, obtain corresponding with the binary coding
Signal wave；
S3, audio file generated according to the corresponding signal wave of the binary coding；
S4, setting audio signal corresponding with the audio file frequency in 2 KHzs to 20 kilohertz ranges；
S5, client obtain the audio file corresponding with card information；
Audio file described in S6, client terminal playing；Specially：In the range of, the sound is being played with the service end
Frequency file；
S7, service end receive the audio signal with card information；
S8, service end decode the audio signal, obtain the card information；
S9, service end perform delivery operation according to the card information.
As shown in Figure 7 and Figure 8, embodiments of the invention four are：
The present invention provides a kind of payment system, including client 7, service end 8 and audio make module 6；
Wherein, client 7 includes acquisition module 4 and playing module 5；The acquisition module 4, for acquisition and card information
Corresponding audio file；The playing module 5, for playing the audio file；
Wherein, client 7 may also include audio and make module 6；
Wherein, the client 7 includes mobile phone, tablet personal computer, computer and the equipment with loudspeaker；
Wherein, service end 8 includes receiving module 1, decoder module 2 and performing module 3；The receiving module 1, for receiving
Audio signal with card information；The decoder module 2, for decoding the audio signal, obtains the card information；Institute
Performing module 3 is stated, for performing delivery operation according to the card information；
Wherein, service end 8 may also include audio and make module 6；
Wherein, the service end 8 can receive the equipment of card information including POS etc.；
Wherein, audio, which makes module 6, following two implementations：
As shown in fig. 7, the first implementation：Audio, which makes module 6, includes the generation unit 62 of converting unit 61 and first；Institute
Converting unit 61 is stated, for changing the card information into binary coding；First generation unit 62, for generation and institute
State the corresponding audio signal of binary coding；
As shown in figure 8, the second implementation：Audio, which makes module 6, includes converting unit 61, the second generation unit 63 and the
Three generation units 64；The converting unit 61, for changing the card information into binary coding；Second generation unit
63, for generating signal wave corresponding with the binary coding；3rd generation unit 64, for according to the signal wave
Generate the audio file.
In summary, the present invention is provided method of payment and system, pass through the terminal plays sound towards reception card information
Frequency file so that the coil played on terminal magnetic head of the coil in the terminal horn of audio file with receiving card information is mutual
Sense, so as to convert audio signals into electric signal, carrying out decoding further according to electric signal obtains corresponding card information, has reached mould
Intend the purpose that magnetic card carries out data interaction with service end.Compared with existing NFC payment technologies, NFC payment technologies need simultaneously
Increase NFC hardware modules in two terminals for carrying out data interaction, and use method of payment proposed by the present invention without to existing
Some terminals carry out any hardware modification.
Embodiments of the invention are the foregoing is only, are not intended to limit the scope of the invention, it is every to utilize this hair
The equivalents that bright specification and accompanying drawing content are made, or the technical field of correlation is directly or indirectly used in, similarly include
In the scope of patent protection of the present invention.
Claims (18)
1. a kind of method of payment, it is characterised in that including：
Receive the audio signal with card information；
The audio signal is decoded, the card information is obtained；
Delivery operation is performed according to the card information.
2. method of payment according to claim 1, it is characterised in that also include：
The card information is changed into binary coding；
Generation audio signal corresponding with the binary coding.
3. method of payment according to claim 2, it is characterised in that generation audio letter corresponding with the binary coding
Number, it is specially：
Default first frequency and second frequency；The second frequency is twice of the first frequency；
According to first frequency generation the first signal wave corresponding with the binary-coded state；
According to second frequency generation secondary signal ripple corresponding with the binary-coded another state；
First signal wave and the secondary signal ripple are synthesized according to the binary coding, the audio signal is obtained.
4. method of payment according to claim 1, it is characterised in that receive the audio signal with card information, specifically
For：
In the terminal with playing the audio signal audio signal is received within 5 millimeters.
5. a kind of method of payment, it is characterised in that including：
Obtain audio file corresponding with card information；
Play the audio file.
6. method of payment according to claim 5, it is characterised in that play the audio file, is specially：
In the terminal with receiving the card information within 5 millimeters, the audio file is played.
7. method of payment according to claim 5, it is characterised in that also include：
The frequency of audio signal corresponding with the audio file is set in 2 KHzs to 20 kilohertz ranges.
8. method of payment according to claim 5, it is characterised in that also include：
The card information is changed into binary coding；
Generation signal wave corresponding with the binary coding；
The audio file is generated according to the signal wave.
9. method of payment according to claim 8, it is characterised in that generation signal corresponding with the binary coding
Ripple, be specially：
Default first frequency and second frequency；The second frequency is twice of the first frequency；
According to first frequency generation the first signal wave corresponding with the binary-coded state；
According to second frequency generation secondary signal ripple corresponding with the binary-coded another state；
First signal wave and the secondary signal ripple are synthesized according to the binary coding, obtained and the binary coding
Corresponding signal wave.
10. method of payment according to claim 8, it is characterised in that also include：
The terminal for receiving the card information performs delivery operation according to the signal wave received.
11. a kind of method of payment, it is characterised in that including：
Client obtains audio file corresponding with card information；
Audio file described in client terminal playing；
Service end receives the audio signal with card information；
Service end decodes the audio signal, obtains the card information；
Service end performs delivery operation according to the card information.
12. method of payment according to claim 11, it is characterised in that audio file described in client terminal playing, is specially：
Within 5 millimeters, the audio file is being played with the service end.
13. method of payment according to claim 11, it is characterised in that also include：
The frequency of audio signal corresponding with the audio file is set in 2 KHzs to 20 kilohertz ranges.
14. method of payment according to claim 11, it is characterised in that also include：
The card information is changed into binary coding；
Generation signal wave corresponding with the binary coding；
Audio file is generated according to the signal wave.
15. method of payment according to claim 14, it is characterised in that generation signal corresponding with the binary coding
Ripple, be specially：
Default first frequency and second frequency；The second frequency is twice of the first frequency；
According to first frequency generation the first signal wave corresponding with the binary-coded state；
According to second frequency generation secondary signal ripple corresponding with the binary-coded another state；
First signal wave and the secondary signal ripple are synthesized according to the binary coding, obtained and the binary coding
Corresponding signal wave.
16. a kind of payment system, it is characterised in that including：
Receiving module, for receiving the audio signal with card information；
Decoder module, for decoding the audio signal, obtains the card information；
Performing module, for performing delivery operation according to the card information.
17. a kind of payment system, it is characterised in that including：
Acquisition module, for obtaining audio file corresponding with card information；
Playing module, for playing the audio file.
18. a kind of payment system, it is characterised in that including：
Acquisition module, audio file corresponding with card information is obtained for client；
Playing module, for audio file described in client terminal playing；
Receiving module, the audio signal with card information is received for service end；
Decoder module, decodes the audio signal for service end, obtains the card information；
Performing module, delivery operation is performed for service end according to the card information.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710228172.8A CN107133790A (en) | 2017-04-10 | 2017-04-10 | A kind of method of payment and system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710228172.8A CN107133790A (en) | 2017-04-10 | 2017-04-10 | A kind of method of payment and system |
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| CN107133790A true CN107133790A (en) | 2017-09-05 |
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ID=59715286
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| CN201710228172.8A Pending CN107133790A (en) | 2017-04-10 | 2017-04-10 | A kind of method of payment and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN202150155U (en) * | 2011-06-24 | 2012-02-22 | 吴沙林 | Magnetic card reader |
| CN102509216A (en) * | 2011-11-08 | 2012-06-20 | 南京音优行信息技术有限公司 | Method and device for realizing on-site mobile payment by using audio signal |
| CN102592359A (en) * | 2011-01-17 | 2012-07-18 | 胡旭光 | Bank card payment device of cellphone |
| CN103955822A (en) * | 2014-05-19 | 2014-07-30 | 刘飞 | Method for mobile payment by transmitting data through variable frequency sound waves |
| CN105681256A (en) * | 2014-11-18 | 2016-06-15 | 航天信息股份有限公司 | Audio communication method and audio communication application device |
-
2017
- 2017-04-10 CN CN201710228172.8A patent/CN107133790A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102592359A (en) * | 2011-01-17 | 2012-07-18 | 胡旭光 | Bank card payment device of cellphone |
| CN202150155U (en) * | 2011-06-24 | 2012-02-22 | 吴沙林 | Magnetic card reader |
| CN102509216A (en) * | 2011-11-08 | 2012-06-20 | 南京音优行信息技术有限公司 | Method and device for realizing on-site mobile payment by using audio signal |
| CN103955822A (en) * | 2014-05-19 | 2014-07-30 | 刘飞 | Method for mobile payment by transmitting data through variable frequency sound waves |
| CN105681256A (en) * | 2014-11-18 | 2016-06-15 | 航天信息股份有限公司 | Audio communication method and audio communication application device |
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