CN109903037A - Internet of Things payment platform and method of payment for diversification payment scene - Google Patents
Internet of Things payment platform and method of payment for diversification payment scene Download PDFInfo
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Abstract
The invention discloses a kind of Internet of Things payment platforms and method of payment for diversification payment scene.Internet of Things payment platform includes intelligent control center, and intelligent control center is connect with payment behavior detection sensor, operation conditions monitoring sensor, human-computer interactive control interface, payment operation control interface and Internet of Things wireless communication unit.Intelligent control center pays facilities and equipments with an at least human-computer interaction by human-computer interactive control interface and result feedback device is connected to and carries out information exchange.Intelligent control center is connected to at least one payment arithmetic element by payment operation control interface and carries out information exchange.Intelligent control center communicates wirelessly interaction by Internet of Things wireless communication unit and Internet of Things cloud service system.The present invention improves payment experience sense of the user under various payment scenes by payment is flexible, convenient, and improves trade company under various payment scenes to the control ability of payment facility, and security risk greatly reduces.
Description
Technical field
The present invention relates to a kind of Internet of Things payment platform for diversification payment scene and the Internet of Things payment platform are real
Existing method of payment belongs to mobile payment technical field.
Background technique
With the progress of e-finance technology, the especially rapid development of mobile payment technology, people's lives band is given
Come while convenience, various emerging payment technologies are in the ascendant, diversified financial industry payment scene, such as quotient are derived
Super, electric business etc., in addition, the huge non-financial industry of the scale of construction, there is also many non-financial industries to pay scene, such as public friendship
Logical, self-retailing etc..
Various payment scenes and payment technology are made a general survey of, there is following shortcomings for they:
First, payment scene only supports single payment technology: at present due to commercial competition, usual a certain payment scene is only propped up
Single payment technology is held, this makes user be forced to use specific means of payment, pays experience sense by poor.
Second, payment scene supports a variety of payment technologies: at present for the payment scene for supporting a variety of payment technologies,
Since various payment facilities are successively laid with, cause between each payment technology interconnection and interflow relationship missing or insufficient, from each other without
Method effectively links, and trade company is needed to carry out manual intervention, intelligent insufficient, not only increases cost of labor, and cause similar
The payment facility of function repeats to be laid with, and leads to the invisible waste of resource.
Third, inter-trade payment scene: due to industry barrier, the payment technology of financial industry and non-financial industry will be grown
Phase coexists, this makes payment facility become to become increasingly complex, compliance is higher, and in conventional payment technology and emerging branch
Pay technology between switch when will lead to use it is not convenient, pay experience sense by poor.
4th, trade company more betides inter-trade payment and sets to the control scarce capacity of payment facility, this situation
It applies.For the payment facility of industry non-financial for tradition, due to the limitation of communication condition, trade company is difficult to carry out payment facility
It timely and effectively manages and monitors, there are certain risks.
It can be seen that increasingly refining, under the status that payment technology is more and more diversified in payment scene, one kind is designed
It can be flexibly applied to the payment platform of diversification payment scene, be current urgent problem.
Summary of the invention
The purpose of the present invention is to provide a kind of Internet of Things payment platforms and the Internet of Things for diversification payment scene
The method of payment that payment platform is realized, the Internet of Things payment platform improve payment experience sense of the user under various payment scenes
By payment is flexible, convenient, and improves trade company under various payment scenes to the control ability of payment facility, security risk pole
It is big to reduce.
To achieve the goals above, the invention adopts the following technical scheme:
A kind of Internet of Things payment platform for diversification payment scene, it is characterised in that: it includes intelligent control center,
Intelligent control center with for detect user's payment behavior payment behavior detection sensor, for monitor intelligent control center fortune
The common physical parameter of row situation operation conditions monitoring sensor, human-computer interactive control interface, payment operation control interface and
Internet of Things wireless communication unit connection, in which: intelligent control center passes through human-computer interactive control interface and an at least human-computer interaction
Payment facilities and equipments are connected to result feedback device carries out information exchange；Intelligent control center by payment operation control interface with
At least one payment arithmetic element connection carries out information exchange；Intelligent control center passes through Internet of Things wireless communication unit and Internet of Things
Cloud service system communicates wirelessly interaction.
A kind of method of payment realized based on the Internet of Things payment platform for diversification payment scene, feature are existed
In it includes the following steps:
S1) idle state: the payment behavior of the payment behavior detection sensor real-time detection user, the intelligent control
Center, the human-computer interactive control interface, the payment operation control interface and the Internet of Things wireless communication unit be in
Machine；
S2) when the payment behavior detection sensor detects payment behavior, based on payment behavior detection sensing
Device physical parameter detected, the intelligent control center judge the payment technology that user may use；
S3) intelligent control center is judged as what user may use by the human-computer interactive control orifice
The human-computer interaction payment facilities and equipments and the result feedback device corresponding to payment technology；
S4) intelligent control center is paid by the human-computer interactive control interface from the human-computer interaction of connection real
Standby middle acquisition payment technology performance data is arranged, payment technology performance data is based on, calculates each man-machine friendship being actually connected to
The priority for the payment technology that mutually payment facilities and equipments use is used using the payment technology of highest priority as user is practical
Then payment technology passes through the payment arithmetic element corresponding to the payment operation control orifice payment technology；
S5) the intelligent control center acquisition is judged as described man-machine corresponding to the practical payment technology used of user
The payment information that interaction payment facilities and equipments are this time traded, after authentication passes through and confirms that payment is feasible, the payment
Arithmetic element off line or online completion pay operation；
S6) the payment arithmetic element feeds back off line or the online transaction results obtain after payment operation,
And the result feedback device shows transaction results information to user, and payment process terminates, and returns to S1).
The invention has the advantages that
1, the present invention supports a variety of payment technologies, the payment skill of payment technology and non-financial industry including financial industry
Art can be adapted for the inter-trade payment scene between a variety of payment scenes, especially financial industry and non-financial industry, user
Good payment experience sense be can get by avoiding user from being forced to use specific means of payment, avoid becoming multiple because of payment facility
Miscellaneous, compliance gets higher bring benefit inconvenient for use.
2, the invention enables interconnecting between various payment technologies, the payment technology including financial industry and non-financial row
Effective linkage between the payment technology of industry reduces manual intervention of the trade company in process of exchange, avoids the payment of identity function
Facility repeats to be laid with, and reduces cost of labor and the wasting of resources.
3, this payment facility of Internet of Things payment platform of the present invention is the terminal device of Internet of Things cloud service system, and trade company can
Payment facility is effectively managed by Internet of Things cloud service system, promotes trade company to the control ability of payment facility, especially
It is so that trade company is become effective management and monitoring in real time from without control or weak control as inter-trade payment facility, it is effectively anti-
Model financial risks.
Detailed description of the invention
Fig. 1 is the composition block diagram of Internet of Things payment platform of the present invention.
Fig. 2 is the method for payment flow diagram that Internet of Things payment platform of the present invention is realized.
Fig. 3 is an embodiment composition block diagram of Internet of Things payment platform of the present invention.
Specific embodiment
As shown in Figure 1, Internet of Things payment platform of the present invention for diversification payment scene includes intelligent control center 30,
The corresponding signal port of intelligent control center 30 respectively with for detecting user's payment behavior payment behavior detection sensor 10,
Operation conditions for monitoring the common physical parameter of 30 operation conditions of intelligent control center monitors sensor 20, human-computer interaction control
Interface 60 processed, payment operation control interface 70 are connected with the signal port of Internet of Things wireless communication unit 40, in which: intelligent control
Center 30 pays facilities and equipments 90 by human-computer interactive control interface 60 and an at least human-computer interaction and result feedback device 100 connects
It is logical to carry out information exchange；Intelligent control center 30 is connected to by payment operation control interface 70 at least one payment arithmetic element 80
Carry out information exchange；Intelligent control center 30 carries out nothing by Internet of Things wireless communication unit 40 and Internet of Things cloud service system 50
Line communication interaction.
Operation conditions monitoring sensor 20 is used to measure the common physical parameter of reflection 30 operation conditions of intelligent control center,
Such as positioning, speed, temperature, electricity physical parameter, and these physical parameters are fed back into intelligent control center 30.
In the present invention, operation conditions monitoring sensor 20 is GPS 201, temperature sensor 202, velocity sensor, electricity
Any one of quantity sensor or appoint it is several, certainly it is without limitations.
Payment behavior detection sensor 10, which is used to detect the payment behavior of user and will test signal, feeds back to intelligent control
Center 30 improves accuracy rate and response speed that intelligent control center 30 identifies payment technology.
In the present invention, payment behavior detection sensor 10 be range sensor 101 and NFC power sensor 102, certainly
It is without limitations.
In the present invention, human-computer interaction payment facilities and equipments 90 are camera 901, Unionpay's sudden strain of a muscle pair card 902 and a public transport
Card 903, it is certainly without limitations.
As a result feedback device 100 is used to the transaction results after transaction feeding back to user in a manner of showing etc..As a result
Feedback device 100 is display screen 1001, certainly without limitations.
Payment arithmetic element 80 is that face recognition arithmetic element 801, non-kernel arithmetic element 802 and the PSAM of connecing verify operation
Unit 803, it is certainly without limitations.
Internet of Things wireless communication unit 40 is RF wireless communication equipment 401, certainly without limitations.
Intelligent control center 30 is backbone module, effect specifically include that provide multimedia human-computer interaction function, intelligence at
Reason multimedia messages, the various payment technologies of intelligent recognition simultaneously guide interconnection between payment process, intelligent coordinated each payment technology
Intercommunication；Health information of entire platform, including positioning, speed, temperature, electricity etc. are acquired, and health information is led to
It crosses Internet of Things wireless communication unit 40 and is uploaded to Internet of Things cloud service system 50 by eating dishes without rice or wine, make trade company that can obtain related letter in real time
Breath, convenient for control；Control the method for operation of entire platform, such as booting, suspend mode, authorization, OTA upgrading；Voluntarily issue control life
It enables or control command is issued by trade company (path is trade company by Internet of Things cloud service system 50, Internet of Things wireless communication unit
40 send control command to intelligent control center 30), trade company is promoted to the managerial ability of payment facility.
In the present invention, intelligent control center 30 can have information collection, place for desktop processor or mobile processor etc.
The Intelligent treatment chip of the functions such as reason, transmitting.
Human-computer interaction pays facilities and equipments 90 and is used for as the intermediary interacted between user and payment facility, on the one hand, it
The payment behavior of user is sent to intelligent control center 30, on the other hand, intelligent control center 30 passes through it to user feedback
Payment result information.In general, human-computer interaction payment facilities and equipments 90 can be divided into financial industry payment technology, the payment of non-financial industry
The applicable human-computer interaction of technology pays facilities and equipments, and specific form payment technology used by user determines.
Human-computer interactive control interface 60 for control each human-computer interaction payment facilities and equipments 90 and intelligent control center 30 it
Between connected state, i.e. human-computer interactive control interface 60 gates wherein one or more human-computer interactions payment facilities and equipments 90 and intelligence
It can control center 30 and carry out information exchange.
Each payment arithmetic element 80 is respectively used to store the corresponding payment mathematical algorithm of various payment technologies, and has and execute
The function of operation is paid, function includes identification, key acquisition, on-line state inquiry, transaction results inquiry etc..In general, branch
The payment operation that payment operation is carried out to financial industry payment technology, non-financial industry payment technology can be divided by paying arithmetic element 80
Unit.
In the present invention, payment arithmetic element 80 is the hardware electronics with abilities such as storing data, execution operations.
Payment operation control interface 70 is used to control the connection between each payment arithmetic element 80 and intelligent control center 30
State, i.e. payment operation control interface 70 gate between wherein one or more payment arithmetic elements 80 and intelligent control center 30
Carry out information exchange.
The effect of Internet of Things cloud service system 50 mainly provides control ability for trade company, specifically, including function: prison
Function is controlled, trade company can obtain real-time traffic information of payment facility, including positioning, speed, temperature, electricity etc.；Management function, quotient
Family can the entire platform of real-time control, the i.e. method of operation of payment facility, including booting, suspend mode, authorization, OTA upgrading etc..Internet of Things
The ability that also there is cloud service system 50 collaboration payment arithmetic element 80 to carry out payment operation.
In the present invention, Internet of Things cloud service system 50 includes cloud service hardware device.
Internet of Things wireless communication unit 40 between base band and radio frequency for wirelessly carrying out the interaction of data information
Transmitting, specifically: it is converted in the base band data of up direction, intelligent control center 30 via Internet of Things wireless communication unit 40
Meet the radiofrequency signal of National Radio standard, and by eating dishes without rice or wine to launch, to upload to Internet of Things cloud service system 50.
In down direction, Internet of Things wireless communication unit 40 is from eating dishes without rice or wine to receive radiofrequency signal that Internet of Things cloud service system 50 is sent and turn
Intelligent control center 30 is issued to after being changed to base band data.
In the present invention, Internet of Things wireless communication unit 40 is to transmit the hard of data capability with wireless telecommunications, uplink and downlink
Part electronic equipment such as has the LTE/NB-IoT RF device of LTE and NB-IoT wireless communication function.
In actual design, intelligent control center 30, human-computer interactive control interface 60 and payment operation control interface 70 can
Become one, such as is integrated into intelligent machine platform 301 shown in Fig. 3.
The method of payment that Internet of Things payment platform of the present invention is realized is described below with reference to Fig. 2, it is suitable for various payments
Payment transaction under scene.
Such as Fig. 2, the Internet of Things payment platform of scene is paid for diversification based on aforementioned present invention, the invention also provides
A kind of method of payment, includes the following steps:
S1) idle state: the payment behavior of 10 real-time detection user of payment behavior detection sensor, intelligent control center
30, human-computer interactive control interface 60, payment operation control interface 70 and Internet of Things wireless communication unit 40 are in standby；
S2) when payment behavior detection sensor 10 detects payment behavior, it is based on 10 institute of payment behavior detection sensor
The physical parameter (such as distance, electromagnetic field power) of detection, intelligent control center 30 judges the payment skill that user may use
Art (one or more payment technologies)；
S3) intelligent control center 30 is judged as the payment that user may use by the connection of human-computer interactive control interface 60
Human-computer interaction corresponding to technology pays facilities and equipments 90 (one or more human-computer interaction payment facilities and equipments) and result is anti-
Present equipment 100；
S4) intelligent control center 30 pays facilities and equipments 90 from the human-computer interaction of connection by human-computer interactive control interface 60
Middle acquisition payment technology performance data, payment technology performance data represent the payment that this human-computer interaction payment facilities and equipments 90 use
The characteristic of technology is then based on payment technology performance data, calculates each human-computer interaction payment facilities and equipments 90 being actually connected to and adopts
Then the priority of payment technology is led to using the payment technology of highest priority as the practical payment technology used of user
It crosses payment operation control interface 70 and is connected to payment arithmetic element 80 corresponding to the payment technology；
S5) the acquisition of intelligent control center 30 is judged as human-computer interaction branch corresponding to the practical payment technology used of user
The payment information that facilities and equipments 90 are this time traded is paid, after authentication passes through and confirms that payment is feasible, pays arithmetic element
80 off lines or online completion pay operation；
S6) payment arithmetic element 80 passes through intelligent control center 30 for off line or the online friendship obtain after payment operation
Easy result is fed back, and result feedback device 100 shows transaction results information to user, and payment process terminates, and is returned
S1)。
Execute step S1) while further include it is following any one or appoint several steps:
Operation conditions monitoring 20 real-time monitoring of sensor is used to reflect the common physical of 30 operation conditions of intelligent control center
Parameter；
Trade company obtains the health information of Internet of Things payment platform of the present invention by Internet of Things cloud service system 50 (as determined
The physical parameters such as position, speed, temperature, electricity)；
Trade company assigns the control Internet of Things payment platform method of operation of the present invention by Internet of Things cloud service system 50 and (such as opens
Machine, suspend mode, authorization, OTA upgrading etc.) control command.
In step S2), when payment behavior detection sensor 10 detects payment behavior, issued to intelligent control center 30
Interrupt requests, intelligent control center 30 is according to the physical parameter detected of payment behavior detection sensor 10 for issuing interrupt requests
Judge at least one payment technology that user may use.
In step S4):
Physical parameter that payment technology performance data is detected with payment behavior detection sensor 10, priority critical parameter phase
In conjunction with, calculated by weight calculation mode be actually connected to each human-computer interaction payment facilities and equipments 90 payment technology it is preferential
Grade, is established in payment technology priority list, and in payment technology priority list, priority sorts from high to low, then will
Payment technology positioned at payment technology priority list the first (highest priority) as the practical payment technology used of user,
In: for being judged as the payment facilities and equipments 90 of human-computer interaction corresponding to the payment technology that user may use, if intelligence control
Center 30 processed can not be paid from this human-computer interaction by human-computer interactive control interface 60 and obtain payment technology spy in facilities and equipments 90
Property data, then this human-computer interaction payment facilities and equipments 90 use payment technology be judged as not being the practical payment used of user
Technology.
In actual design, priority critical parameter can be payment scene etc., payment technology performance data, payment behavior inspection
Physical parameter, the weighted shared by each priority critical parameter that sensor 10 detects are surveyed, can be rationally designed according to actual needs.
When actually calculating, based on payment technology performance data, the physical parameter of the detection of payment behavior detection sensor 10, each priority
Weight size shared by critical parameter, calculates the numerical value for representing priority height, and the calculation method of the numerical value can be used such as lower section
Formula:
PRI (n, m)=f (n, m) × WD (n, m)+p (n, m) × WP (n, m) 1)
Formula 1) in:
N indicates n payment technology, and the setting present invention loads N kind payment technology in total, and the value of n is 1,2 ... ..., N,
N is the positive integer greater than 1,
M indicates m-th of payment scene (i.e. priority critical parameter), and the setting present invention is suitable for M kind in total and pays scene,
The value of m is 1,2 ... ..., and M, M are the positive integer greater than 1,
(n, m) indicates to use n payment technology under m-th of payment scene,
F (n, m) indicates the performance data equivalent that n payment technology is used under m-th of payment scene.When performance data with
When the payment technology matches, otherwise it is 0 that f (n, m), which is 1,
WD (n, m) indicates the performance data weight that n payment technology is used under m-th of payment scene, can be according to reality
Border demand rationally designs,
P (n, m) indicates the physical parameter equivalent that n payment technology is used under m-th of payment scene.When physical parameter accords with
When closing the threshold range of the payment technology, otherwise it is 0 that p (n, m), which is 1,
WP (n, m) indicates the physical parameter weight that n payment technology is used under m-th of payment scene, can be according to reality
Border demand rationally designs,
PRI (n, m) indicates the numerical priority value that n payment technology is used under m-th of payment scene.
According to formula 1), all payment technologies used under scene are paid to m-th and calculate separately its numerical priority value, are obtained
Following sequence of values:
PRI (1, m), PRI (2, m) ... ..., PRI (N, m) 2)
To formula 2) sequence of values, arranged according to sequence from big to small to get to payment technology priority list.
In step S5):
When payment 80 off line of arithmetic element carries out payment operation, intelligent control center 30 passes through human-computer interactive control interface 60
This time payment information of transaction is obtained from human-computer interaction payment facilities and equipments 90 and payment information is fed back into payment arithmetic element
80, after payment 80 off line of arithmetic element progress authentication passes through and determines that payment is feasible, payment 80 off line of arithmetic element is completed
Operation is paid, on the contrary, paying arithmetic element 80 if authentication does not pass through or is judged to paying infeasible and not executing Zhi Fuyun
It calculates.
For specific payment technology, arithmetic element 80 is online for payment when carrying out payment operation, and intelligent control center 30 is logical
It crosses human-computer interactive control interface 60 and from human-computer interaction payment facilities and equipments 90 obtains this time payment information of transaction and by disbursement letter
Breath feeds back to payment arithmetic element 80, and payment information is encrypted in payment arithmetic element 80, then by intelligent control
The heart 30, Internet of Things wireless communication unit 40 and the networking of Internet of Things cloud service system 50 carry out authentication and pass through and determine that payment can
After row, Internet of Things cloud service system 50 complete payment operation, on the contrary, if authentication do not pass through or be judged to paying it is infeasible,
Then Internet of Things cloud service system 50 does not execute payment operation.
In the present invention, payment information is, for example, the payment informations such as the user's face ID that camera 901 extracts, public friendship
The payment informations such as card number, the application menu for paying card 902 dodge in the payment informations such as card number, the application menu of logical card 903, Unionpay.
In actual implementation, payment operation when paying 80 off line of arithmetic element may include identification, key acquisition, connection
Machine status queries, transaction results calculating etc., payment operation when payment arithmetic element 80 is online may include key acquisition, online shape
Condition inquiry, transaction results calculating etc., it is certainly without limitations.Pay payment calculating process and the payment of use of arithmetic element 80
Algorithm etc. is technology known in the art, therefore is not described in detail herein.
In step S6):
When payment 80 off line of arithmetic element carries out payment operation, payment arithmetic element 80 will be handed over by intelligent control center 30
Easy result feeds back to human-computer interaction payment facilities and equipments 90 via human-computer interactive control interface 60；
Arithmetic element 80 is online for payment when carrying out payment operation, and Internet of Things cloud service system 50 will after completing payment operation
Transaction results feed back to payment arithmetic element 80 via Internet of Things wireless communication unit 40, intelligent control center 30, pay operation
Transaction results are decrypted in unit 80, and the human-computer interaction for receiving demand for no datas such as cameras pays facilities and equipments
For 90, the transaction results of decryption processing are fed back into intelligent control center 30, pay card, public transport alternatively, dodging for Unionpay
For card etc. has the human-computer interaction payment facilities and equipments 90 of data receiver demand, by intelligent control center 30 by decryption processing
Transaction results feed back to human-computer interaction payment facilities and equipments 90 via human-computer interactive control interface 60.
Fig. 3 shows an embodiment of Internet of Things payment platform of the present invention, which is applicable to novel public transport
Payment, is a kind of payment scene across financial industry and Public Transport Trade.In this embodiment, 3 kinds of technology (i.e. N=are loaded
3), and the payment scene is set as the 8th payment scene (i.e. m=8), set face recognition payment technology and pay as the 1st kind
Technology, finance is non-connects that payment technology is the 2nd kind of payment technology, public transport card payment technology is the 3rd kind of payment technology, setting power
Weight WD (1,8)=50, WD (2,8)=40, WD (3,8)=50, WP (1,8)=30, WP (2,8)=50, WP (3,8)=50.
In Fig. 3, intelligent control center 30, human-computer interactive control interface 60 and payment operation control interface 70 are integrated into one
Body becomes intelligent machine platform 301, intelligent machine platform 301 and range sensor 101, NFC power sensor 102, GPS 201, temperature
Spend sensor 202, camera 901, Unionpay's sudden strain of a muscle pair card 902, public transport card 903, display screen 1001, face recognition arithmetic element
801, non-kernel arithmetic element 802, PSAM verifying arithmetic element 803, the RF wireless communication equipment 401 of connecing connects, wireless radiofrequency
Communication apparatus 401 with background management system 501 based on cloud for communicating wirelessly, in which:
Range sensor 101, NFC power sensor 102 are payment behavior detection sensor 10, wherein range sensor
101 for detecting the payment behavior of face recognition payment technology, and for detecting, finance is non-to connect payment skill to NFC power sensor 102
The payment behavior of art, public transport card payment technology；
GPS 201, temperature sensor 202 are that operation conditions monitors sensor 20, provide location information, temperature letter respectively
Breath, trade company can monitor the operation conditions of entire platform accordingly；
Camera 901, Unionpay, which are dodged, pays card 902, public transport card 903 as human-computer interaction payment facilities and equipments 90, wherein takes the photograph
As first 901 for implementing face recognition payment technology, Unionpay, which is dodged, to pay card 902 finance is non-to connect payment technology, public friendship for implementing
Logical card 903 is for implementing public transport card payment technology；
Display screen 1001 is result feedback device 100, for showing transaction results to user；
Face recognition arithmetic element 801, non-kernel arithmetic element 802, the PSAM verifying arithmetic element 803 of connecing is payment operations
Unit 80, wherein face recognition arithmetic element 801 is for implementing face recognition payment operation；It is non-to connect the use of kernel arithmetic element 802
A pair payment operation is dodged in implementing the non-Unionpay connect of finance；PSAM verifying arithmetic element 803 is for implementing public transport card Zhi Fuyun
It calculates；
RF wireless communication equipment 401 is Internet of Things wireless communication unit 40, and tool can be used in RF wireless communication equipment 401
The wireless telecommunications system of standby LTE and NB-IoT function；
Background management system 501 based on cloud is Internet of Things cloud service system 50.
Embodiment illustrated in fig. 3 is related to three kinds of payment technologies, is that face recognition payment technology, finance non-connect payment skill respectively
Art, public transport card payment technology.
The course of work of embodiment illustrated in fig. 3 are as follows:
When user uses face recognition payment technology, range sensor 101 detects physical parameter, i.e. distance, reflection
User is close and payment behavior has occurred out, and then range sensor 101 issues interrupt requests to intelligent machine platform 301.Intelligence
Machine platform 301 knows that face recognition payment technology is candidate payment technology based on interrupt requests.At this point, intelligent machine platform 301
Calculate p (1,8)=1, p (2,8)=0, p (3,8)=0.
Intelligent machine platform 301 connects camera 901 and display screen 1001.
Intelligent machine platform 301 obtains the payment technology performance data for representing face recognition payment technology by camera 901
(such as multimedia video image (user's face)), then, payment technology performance data is at a distance from the detection of range sensor 101
Numerical value, priority critical parameter combine, and calculate the priority of face recognition payment technology, establish payment technology priority list,
Specifically, when the requirement of performance data (face data) and face recognition payment technology matches, intelligent machine platform 301 is counted
Calculate f (1,8)=1, f (2,8)=0, f (3,8)=0.According to formula 2), intelligent machine platform 301 calculate sequence of values PRI (1,
8)=80, PRI (2,8)=0, PRI (3,8)=0, and get paid technology priority list 80 (n=1), 0 (n=2), 0 (n=
3).As it can be seen that face recognition payment technology is located at list first place, then determine that face recognition payment technology uses for user is practical
Payment technology.Intelligent machine platform 301 connects face recognition arithmetic element 801 immediately.
Intelligent machine platform 301 extracts user's face ID as payment information by camera 901, is sent to face recognition
Payment information is encrypted in arithmetic element 801, face recognition arithmetic element 801, then via intelligent machine platform 301, penetrate
Frequency wireless telecommunications system 401 is networked to background management system 501 based on cloud carries out authentication success and confirmation remaining sum abundance
After (payment is feasible), background management system 501 based on cloud completes payment operation, pays successfully.If authentication it is unsuccessful or
Sorry, your ticket has not enough value for confirmation, then background management system 501 based on cloud does not execute payment operation, payment failure.
Finally, background management system 501 based on cloud is completed to lead to transaction results via wireless radiofrequency after payment operation
News equipment 401, intelligent machine platform 301 feed back to face recognition arithmetic element 801,801 pairs of transaction knots of face recognition arithmetic element
Fruit feeds back to intelligent machine platform 301 after being decrypted, and shows on display screen 1001, completes transaction results to user's
Feedback, then returns to idle state.
When user connects payment technology using finance is non-, NFC power sensor 102 detects physical parameter, i.e. electromagnetic field
The variation of power is more than threshold value, and payment behavior has occurred in expression, and then NFC power sensor 102 is issued to intelligent machine platform 301
Interrupt requests.Intelligent machine platform 301, which is based on interrupt requests, to be known that finance is non-and connects payment technology and public transport card payment technology is
Candidate payment technology.At this point, intelligent machine platform 301 calculates p (1,8)=0, p (2,8)=1, p (3,8)=1.
Intelligent machine platform 301, which connects Unionpay and dodges to pay, blocks 902, public transport card 903 and display screen 1001.
Intelligent machine platform 301 dodges 902 acquisition of pair card by Unionpay and represents the non-payment technology characteristic for connecing payment technology of finance
Data (such as electromagnetic field power features, Unionpay's flag data).But intelligent machine platform 301 cannot connect to public transport card 903,
The payment technology performance data of public transport card payment technology is represented then so that can not obtain, and intelligent machine platform 301 calculates f
(1,8)=0, f (2,8)=1, f (3,8)=0.According to formula 2), intelligent machine platform 301 calculate sequence of values PRI (1,8)=0,
PRI (2,8)=90, PRI (3,8)=50, and get paid technology priority list 90 (n=2), 50 (n=3), 0 (n=1).
As it can be seen that the non-payment technology that connects of finance is located at list first place, then determine that the financial non-payment technology that connects uses for user is practical
Payment technology.Intelligent machine platform 301 connects immediately non-connects kernel arithmetic element 802.
Intelligent machine platform 301 dodges a pair card 902 by Unionpay and extracts the payment informations such as card number, application menu, is sent to non-
Kernel arithmetic element 802 is connect, payment information is encrypted in the non-kernel arithmetic element 802 that connects, then via intelligent machine platform
301, RF wireless communication equipment 401 carries out authentication success to background management system 501 based on cloud and confirmation payment can
After row, background management system 501 based on cloud completes payment operation, pays successfully.If authentication is unsuccessful or confirmation is paid
Infeasible, then background management system 501 based on cloud does not execute payment operation, payment failure.
Finally, background management system 501 based on cloud is completed to lead to transaction results via wireless radiofrequency after payment operation
News equipment 401, intelligent machine platform 301 feed back to it is non-connect kernel arithmetic element 802, it is non-to connect the 802 pairs of transaction of kernel arithmetic element and tie
Transaction results are fed back to Unionpay and dodge to pay by fruit after being decrypted by intelligent machine platform 301 blocks 902, and in display screen 1001
Upper display completes feedback of the transaction results to user, then returns to idle state.
When user is because of reasons such as maloperations, while hand-held Unionpay's sudden strain of a muscle pair card 902 and public transport card 903 are paid,
NFC power sensor 102 detects physical parameter, i.e. the variation of electromagnetic field power is more than threshold value, and payment behavior has occurred in expression,
Then NFC power sensor 102 issues interrupt requests to intelligent machine platform 301.Intelligent machine platform 301 is known based on interrupt requests
Non- payment technology and the public transport card payment technology of connecing of finance is candidate payment technology.At this point, intelligent machine platform 301 calculates
P (1,8)=0, p (2,8)=1, p (3,8)=1.
Intelligent machine platform 301, which connects Unionpay and dodges to pay, blocks 902, public transport card 903 and display screen 1001.
Intelligent machine platform 301 dodges 902 acquisition of pair card by Unionpay and represents the non-payment technology characteristic for connecing payment technology of finance
Data (such as electromagnetic field power features, Unionpay's flag data), and public transport card is represented by the acquisition of public transport card 903
The payment technology performance data (such as electromagnetic field power features, public transport card flag data) of payment technology.Then, above-mentioned branch
Technical characteristic data are paid in conjunction with electromagnetic field power that NFC power sensor 102 detect, priority critical parameter, calculating is financial
The non-priority for connecing payment technology, public transport card payment technology, establishes payment technology priority list, specifically, intelligence
Machine platform 301 calculates f (1,8)=0, f (2,8)=1, f (3,8)=1.According to formula 2), intelligent machine platform 301 calculates numerical value
Sequence PRI (1,8)=0, PRI (2,8)=90, PRI (3,8)=100, and get paid technology priority list 100 (n=3),
90 (n=2), 0 (n=1).It is located at list first place because of the highest priority of public transportation card payment technology, then determines public
Transportation card payment technology is the practical payment technology used of user altogether.Intelligent machine platform 301 connects PSAM verifying operation list immediately
Member 803.
Intelligent machine platform 301 extracts the payment informations such as card number, application menu by public transport card 903, is sent to
PSAM verifies arithmetic element 803.At the same time, PSAM verifies 803 off line of arithmetic element and carries out more than authentication success and confirmation
After volume sufficient (payment is feasible), PSAM verifies 803 off line of arithmetic element and completes payment operation, pays successfully.If authentication is not
Success or confirmation payment are infeasible, then PSAM verifies arithmetic element 803 and do not execute payment operation, payment failure.
Finally, PSAM, which verifies arithmetic element 803, feeds back to public transport card by intelligent machine platform 301 for transaction results
903, and shown on display screen 1001, feedback of the transaction results to user is completed, idle state is then returned.
The invention has the advantages that
1, the present invention supports a variety of payment technologies, the payment skill of payment technology and non-financial industry including financial industry
Art can be adapted for the inter-trade payment scene between a variety of payment scenes, especially financial industry and non-financial industry, user
Good payment experience sense be can get by avoiding user from being forced to use specific means of payment, avoid becoming multiple because of payment facility
Miscellaneous, compliance gets higher bring benefit inconvenient for use.
2, the invention enables interconnecting between various payment technologies, the payment technology including financial industry and non-financial row
Effective linkage between the payment technology of industry reduces manual intervention of the trade company in process of exchange, avoids the payment of identity function
Facility repeats to be laid with, and reduces cost of labor and the wasting of resources.
3, this payment facility of Internet of Things payment platform of the present invention is the terminal device of Internet of Things cloud service system, and trade company can
Payment facility is effectively managed by Internet of Things cloud service system, promotes trade company to the control ability of payment facility, especially
It is so that trade company is become effective management and monitoring in real time from without control or weak control as inter-trade payment facility, it is effectively anti-
Model financial risks.
The above is present pre-ferred embodiments and its technical principle used, and is come for those skilled in the art
It says, without departing from the spirit and scope of the present invention, any equivalent transformation based on the basis of technical solution of the present invention,
Simple replacement etc. obviously changes, and all falls within the protection scope of the present invention.
Claims (9)
1. a kind of Internet of Things payment platform for diversification payment scene, it is characterised in that: it includes intelligent control center, intelligence
It can control center to run with the payment behavior detection sensor for detecting user's payment behavior, for monitoring intelligent control center
Operation conditions monitoring sensor, human-computer interactive control interface, payment operation control interface and the object of the common physical parameter of situation
Wireless communication unit of networking connects, in which: intelligent control center passes through human-computer interactive control interface and an at least human-computer interaction branch
It pays facilities and equipments and is connected to progress information exchange with result feedback device；Intelligent control center is by payment operation control interface and extremely
Few payment arithmetic element connection carries out information exchange；Intelligent control center passes through Internet of Things wireless communication unit and Internet of Things cloud
Service system communicates wirelessly interaction.
2. the Internet of Things payment platform as described in claim 1 for diversification payment scene, it is characterised in that:
Operation conditions monitoring sensor be any one of GPS, temperature sensor, velocity sensor, electrical quantity sensor or
Appoint several；
The payment behavior detection sensor is range sensor and NFC power sensor；
The human-computer interaction payment facilities and equipments are camera, Unionpay's sudden strain of a muscle pair card and a public transport card；
The result feedback device is display screen；
The payment arithmetic element is that face recognition arithmetic element, non-kernel arithmetic element and the PSAM of connecing verify arithmetic element；
The Internet of Things wireless communication unit is RF wireless communication equipment.
3. the Internet of Things payment platform as claimed in claim 1 or 2 for diversification payment scene, it is characterised in that:
The intelligent control center, the human-computer interactive control interface and the payment operation control Interface integration are integrated.
4. a kind of real based on the Internet of Things payment platform described in any one of claims 1 to 3 for diversification payment scene
Existing method of payment, which is characterized in that it includes the following steps:
S1) idle state: the payment behavior of the payment behavior detection sensor real-time detection user, in the intelligent control
The heart, the human-computer interactive control interface, the payment operation control interface and the Internet of Things wireless communication unit are in standby；
S2) when the payment behavior detection sensor detects payment behavior, it is based on the payment behavior detection sensor institute
The physical parameter of detection, the intelligent control center judge the payment technology that user may use；
S3) intelligent control center is judged as the payment that user may use by the human-computer interactive control orifice
The human-computer interaction payment facilities and equipments and the result feedback device corresponding to technology；
S4) intelligent control center is implemented to set by the human-computer interactive control interface from the human-computer interaction of connection payment
Standby middle acquisition payment technology performance data, is based on payment technology performance data, calculates each human-computer interaction branch being actually connected to
The priority for paying the payment technology that facilities and equipments use, using the payment technology of highest priority as the practical payment used of user
Then technology passes through the payment arithmetic element corresponding to the payment operation control orifice payment technology；
S5) the intelligent control center acquisition is judged as the human-computer interaction corresponding to the practical payment technology used of user
The payment information that facilities and equipments are this time traded is paid, after authentication passes through and confirms that payment is feasible, the payment operation
Unit off line or online completion pay operation；
S6) the payment arithmetic element feeds back off line or the online transaction results obtain after payment operation, and
The result feedback device shows transaction results information to user, and payment process terminates, and returns to S1).
5. method of payment as claimed in claim 4, it is characterised in that:
Executing the step S1) while further include it is following any one or appoint several steps:
The operation conditions monitoring sensor real-time monitoring is used to reflect the common physical of the intelligent control center operation conditions
Parameter；
Trade company obtains the health information of the Internet of Things payment platform by the Internet of Things cloud service system；
Trade company assigns the control command for controlling the Internet of Things payment platform method of operation by the Internet of Things cloud service system.
6. method of payment as claimed in claim 4, it is characterised in that:
In the step S2) in, when the payment behavior detection sensor detects payment behavior, Xiang Suoshu intelligent control center
Interrupt requests are issued, the intelligent control center is detected according to the payment behavior detection sensor for issuing interrupt requests
Physical parameter judges at least one payment technology that user may use.
7. method of payment as claimed in claim 4, it is characterised in that:
In the step S4) in:
Physical parameter, the priority critical parameter of the payment technology performance data and payment behavior detection sensor detection
It combines, the payment technology for each human-computer interaction payment facilities and equipments being actually connected to is calculated by weight calculation mode
Priority is established in payment technology priority list, and in payment technology priority list, priority sorts from high to low, in
It is the payment technology using payment technology priority list first place is located at as the practical payment technology used of user, in which: for
The human-computer interaction payment facilities and equipments corresponding to the payment technology that user may use are judged as, if the intelligent control
Center can not be paid from the human-computer interaction by the human-computer interactive control interface and obtain payment technology characteristic in facilities and equipments
Data, the then payment technology that the human-computer interaction payment facilities and equipments use are judged as not being the practical payment skill used of user
Art.
8. method of payment as claimed in claim 4, it is characterised in that:
In the step S5) in:
When the payment arithmetic element off line carries out payment operation, the intelligent control center is connect by the human-computer interactive control
Mouth obtains this time payment information of transaction from human-computer interaction payment facilities and equipments and payment information is fed back to the payment
Arithmetic element, after the payment arithmetic element off line progress authentication passes through and determines that payment is feasible, the payment operation list
First off line completes payment operation；
The payment arithmetic element is online when carrying out payment operation, and the intelligent control center is connect by the human-computer interactive control
Mouth obtains this time payment information of transaction from human-computer interaction payment facilities and equipments and payment information is fed back to the payment
Payment information is encrypted in arithmetic element, the payment arithmetic element, then passes through the intelligent control center, the object
After networking wireless communication unit and Internet of Things cloud service system networking progress authentication pass through and determine that payment is feasible, institute
It states Internet of Things cloud service system and completes payment operation.
9. method of payment as claimed in claim 4, it is characterised in that:
In the step S6) in:
When the payment arithmetic element off line carries out payment operation, the payment arithmetic element will by the intelligent control center
Transaction results feed back to the human-computer interaction via the human-computer interactive control interface and pay facilities and equipments；
The payment arithmetic element is online when carrying out payment operation, and the Internet of Things cloud service system will after completing payment operation
Transaction results feed back to the payment arithmetic element, institute via the Internet of Things wireless communication unit, the intelligent control center
It states payment arithmetic element transaction results are decrypted, the transaction results of decryption processing is fed back in the intelligent control
The transaction results of decryption processing are fed back to institute via the human-computer interactive control interface by the intelligent control center by the heart
State human-computer interaction payment facilities and equipments.
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