CN110782248A - Payment method, payment device, mobile terminal and payment terminal - Google Patents
Payment method, payment device, mobile terminal and payment terminal Download PDFInfo
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- CN110782248A CN110782248A CN201911024678.2A CN201911024678A CN110782248A CN 110782248 A CN110782248 A CN 110782248A CN 201911024678 A CN201911024678 A CN 201911024678A CN 110782248 A CN110782248 A CN 110782248A
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- 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
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B10/00—Transmission systems employing electromagnetic waves other than radio-waves, e.g. infrared, visible or ultraviolet light, or employing corpuscular radiation, e.g. quantum communication
- H04B10/11—Arrangements specific to free-space transmission, i.e. transmission through air or vacuum
- H04B10/114—Indoor or close-range type systems
- H04B10/1143—Bidirectional transmission
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Abstract
The application is suitable for the technical field of communication, and provides a payment method, a payment device, a mobile terminal and a payment terminal, wherein the mobile terminal and the payment terminal are respectively provided with an ultraviolet light receiving module and an ultraviolet light emitting module, and the payment method comprises the following steps: when the ultraviolet light receiving module receives a first ultraviolet light signal, payment information is obtained, wherein the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal; sending a second ultraviolet light signal to the payment terminal through the ultraviolet light emitting module, wherein the second ultraviolet light signal is payment information sent in the form of an ultraviolet light signal; obtaining payment result information through the payment terminal receiving the second ultraviolet light signal; and displaying the payment result information. The method and the device can improve the safety of the mobile terminal in the payment process.
Description
Technical Field
The application belongs to the technical field of communication, and particularly relates to a payment method, a payment device, a mobile terminal and a payment terminal.
Background
With the rapid development of communication technology, mobile phones integrate more and more functions, for example, in a shopping mall or a supermarket, the mobile phones can be used for completing payment or confirming payment, and payment modes such as cash, bank cards or checks are replaced. In the prior art, a two-dimensional code for payment is generally displayed on a mobile phone, and a merchant scans the two-dimensional code through a scanning gun to perform payment operation. However, the two-dimensional code in the prior art has poor confidentiality and low security in the payment process.
Disclosure of Invention
The application provides a payment method, a payment device, a mobile terminal and a payment terminal, so that the safety of the mobile terminal in the payment process is improved.
The first aspect of the application provides a payment method, which is applied to a mobile terminal, wherein the mobile terminal is provided with an ultraviolet light receiving module and an ultraviolet light emitting module, and the payment method comprises the following steps:
when the ultraviolet light receiving module receives a first ultraviolet light signal, payment information is obtained, wherein the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal;
sending a second ultraviolet light signal to the payment terminal through the ultraviolet light emitting module, wherein the second ultraviolet light signal is payment information sent in the form of an ultraviolet light signal;
obtaining payment result information through the payment terminal receiving the second ultraviolet light signal;
and displaying the payment result information.
A second aspect of the present application provides a payment method applied to a payment terminal, where the payment terminal is provided with an ultraviolet light receiving module and an ultraviolet light emitting module, and the payment method includes:
acquiring payment request information;
sending a first ultraviolet light signal to the mobile terminal through the ultraviolet light emitting module, wherein the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal;
receiving a second ultraviolet light signal through the ultraviolet light receiving module, wherein the second ultraviolet light signal is fed back after the mobile terminal receives the first ultraviolet light signal;
obtaining payment result information according to the second ultraviolet light signal;
and displaying the payment result information.
A third aspect of the present application provides a mobile terminal provided with an ultraviolet light receiving module and an ultraviolet light emitting module, the mobile terminal including:
the payment information acquisition module is used for acquiring payment information when the ultraviolet light receiving module receives a first ultraviolet light signal, wherein the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal;
the payment information sending module is used for sending a second ultraviolet light signal to the payment terminal through the ultraviolet light emitting module, wherein the second ultraviolet light signal is payment information sent in the form of an ultraviolet light signal;
the payment result acquisition module is used for acquiring payment result information through the payment terminal receiving the second ultraviolet light signal;
and the payment result display module is used for displaying the payment result information.
A fourth aspect of the present application provides a payment terminal, the payment terminal is provided with an ultraviolet light receiving module and an ultraviolet light emitting module, the payment terminal includes:
the payment request acquisition module is used for acquiring payment request information;
the payment request sending module is used for sending a first ultraviolet light signal to the mobile terminal through the ultraviolet light emitting module, wherein the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal;
the ultraviolet light signal receiving module is used for receiving a second ultraviolet light signal through the ultraviolet light receiving module, wherein the second ultraviolet light signal is fed back after the mobile terminal receives the first ultraviolet light signal;
the payment information acquisition module is used for acquiring payment result information according to the second ultraviolet light signal;
and the payment information display module is used for displaying the payment result information.
A fifth aspect of the present application provides a mobile terminal comprising a memory, a processor, an ultraviolet light receiving module, an ultraviolet light emitting module, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the payment method according to the first aspect when executing the computer program.
A sixth aspect of the present application provides a payment terminal comprising a memory, a processor, an ultraviolet light receiving module, an ultraviolet light emitting module, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the payment method according to the first aspect when executing the computer program.
A seventh aspect of the present application provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the payment method as described in the first aspect above; or the computer program when executed by a processor implements the steps of the payment method as described in the second aspect above.
An eighth aspect of the present application provides a computer program product, which, when run on a mobile terminal, causes the mobile terminal to perform the steps of the payment method as described in the first aspect above; or cause a payment terminal to perform the steps of the payment method according to the second aspect as described above, when the computer program product is run on the payment terminal.
It can be seen from above that, this application sets up ultraviolet ray receiving module and ultraviolet ray emission module in mobile terminal, can realize the ultraviolet ray communication between mobile terminal and the payment terminal through ultraviolet ray receiving module and ultraviolet ray emission module, because ultraviolet ray communication's confidentiality is better, the background interference is less, consequently realizes the payment interaction between mobile terminal and the payment terminal through ultraviolet ray communication, can improve mobile terminal at the security of payment process.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
Fig. 1 is a schematic network architecture of a payment system provided in an embodiment of the present application;
FIG. 2 is a diagram showing an exemplary structure of an ultraviolet light detector;
fig. 3 is a schematic flow chart of an implementation of the payment method provided in the second embodiment of the present application;
FIG. 4 is a schematic flow chart illustrating an implementation of a payment method provided in the third embodiment of the present application;
fig. 5 is a schematic structural diagram of a mobile terminal according to a fourth embodiment of the present application;
fig. 6 is a schematic structural diagram of a payment terminal provided in the fifth embodiment of the present application;
fig. 7 is a schematic structural diagram of a mobile terminal according to a sixth embodiment of the present application;
fig. 8 is a schematic structural diagram of a payment terminal provided in the seventh embodiment of the present application.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It will be further understood that the terms "includes," "including," "has," "having," and variations thereof mean "including but not limited to," unless otherwise specifically noted.
Furthermore, in the description of the present application and the appended claims, the terms "first," "second," "third," and the like are used for distinguishing between descriptions and not necessarily for describing or implying relative importance.
It should be understood that, the sequence numbers of the steps in this embodiment do not mean the execution sequence, and the execution sequence of each process should be determined by the function and the inherent logic of the process, and should not constitute any limitation to the implementation process of the embodiment of the present application.
In order to explain the technical solution described in the present application, the following description will be given by way of specific examples.
Referring to fig. 1, a network architecture of a payment system provided in an embodiment of the present application is shown, and for convenience of description, only a part related to the embodiment of the present application is shown.
As shown in fig. 1, the payment system includes a mobile terminal 11 and a payment terminal 12. The mobile terminal 11 may refer to a device owned or controlled by a consumer, such as a smart phone, a tablet computer, etc., capable of paying a consumption amount. The payment terminal 12 is a device owned or controlled by the merchant that can perform the transaction requirements of charging the consumer for the amount of the consumption, such as a POS machine, a manual cash register that requires the operation of a cashier, or a self-service cash register that the consumer can operate at his or her own.
Wherein, an ultraviolet light receiving module and an ultraviolet light emitting module are arranged in the mobile terminal 11 and the payment terminal 12. The ultraviolet light receiving module is used for receiving an ultraviolet light signal; the ultraviolet light emitting module is used for emitting an ultraviolet light signal, such as an ultraviolet light source. Optionally, the ultraviolet light receiving module is an ultraviolet light detector, the ultraviolet light detector adopted in the present application is an ultraviolet light detector based on an organic bulk heterojunction structure, as shown in fig. 2, the ultraviolet light detector includes a substrate, and a gate, a gate dielectric layer, a monomolecular self-assembled layer, a channel semiconductor layer and a charge transport layer which are once disposed on the substrate, a source electrode and a drain electrode are further disposed in a partial region on the charge transport layer, and a bulk heterojunction light absorbing layer is further disposed in a channel region between the source electrode and the drain electrode on the charge transport layer. Based on the specific layered structure, the ultraviolet light detector can fully utilize the Charge Trapping Effect (CTE), effectively separate photogenerated excitons and reduce the recombination probability of the photogenerated excitons, ensure the efficient transmission of Charge carriers in a channel, and obviously improve the performances such as the light detection sensitivity, the response speed and the like of Organic photo detectors (OPTs).
Optionally, the payment system further includes a payment platform 13, where the payment platform 13 may refer to a platform for executing a deduction operation in a transaction, such as a paypal platform and a wechat platform, and the payment platform 13 may be in communication connection with the mobile terminal 11 and the payment terminal 12 in a wireless manner.
In order to improve the security of the mobile terminal in the payment process, the payment terminal 12 sends the first ultraviolet light signal to the mobile terminal 11 through the ultraviolet light emitting module, the payment information is obtained when the mobile terminal 11 receives the first ultraviolet light signal through the ultraviolet light receiving module, the second ultraviolet light signal is sent to the payment terminal 12 through the ultraviolet light emitting module, and the payment result information is obtained according to the second ultraviolet light signal when the payment terminal 12 receives the second ultraviolet light signal through the ultraviolet light receiving module.
Optionally, the mobile terminal 11 obtains the target payment application program when the ultraviolet light receiving module receives the first ultraviolet light signal; and acquiring payment information according to the target payment application program.
Optionally, before the ultraviolet light receiving module receives the first ultraviolet light signal, the mobile terminal 11 starts an ultraviolet light communication function.
Optionally, the mobile terminal 11 acquires the target payment application from the memory; or
The mobile terminal 11 acquires a payment application that starts the ultraviolet light communication function, which is a target payment application in which the ultraviolet light communication function is configured.
Optionally, the payment terminal 12 sends the third ultraviolet light signal to the mobile terminal 11 through the ultraviolet light emitting module, and the mobile terminal 11 receives the third ultraviolet light signal through the ultraviolet light receiving module, and obtains the payment result information according to the third ultraviolet light signal.
Optionally, the payment terminal 12 obtains payment information according to the second ultraviolet light signal; sending payment information to the payment platform 13; after receiving the payment information, the payment platform 13 executes a deduction operation and acquires payment result information, the payment platform 13 can directly send the payment result information to the mobile terminal 11, and the mobile terminal 11 displays the payment result information after receiving the payment result information sent by the payment platform 13; or when the payment platform 13 sends the payment result information to the payment terminal 12, the payment terminal 12 sends the payment result information to the mobile terminal 11 in the form of an ultraviolet light signal through the ultraviolet light emitting module, and the mobile terminal 11 restores the payment result information and displays the payment result information after receiving the payment result information sent in the form of an ultraviolet light signal through the ultraviolet light receiving module.
The embodiment of the application is characterized in that the ultraviolet light receiving module and the ultraviolet light emitting module are arranged in the mobile terminal and the payment terminal, and ultraviolet light communication between the mobile terminal and the payment terminal is realized through the ultraviolet light receiving module and the ultraviolet light emitting module.
Referring to fig. 3, is a schematic view of an implementation flow of a payment method provided in the second embodiment of the present application, where the payment method is applied to a mobile terminal, and the mobile terminal is provided with an ultraviolet light receiving module and an ultraviolet light emitting module, as shown in the figure, the payment method may include the following steps:
step S301, when the ultraviolet light receiving module receives a first ultraviolet light signal, obtaining payment information, where the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal.
In this embodiment of the application, the ultraviolet light receiving module and the ultraviolet light emitting module in the mobile terminal may be disposed in a front sensing area of the mobile terminal, where the front sensing area generally refers to an area where a camera, a distance sensor, a light sensor, and other devices are disposed on the front side of the mobile terminal. Optionally, the ultraviolet light receiving module and the ultraviolet light emitting module may also be disposed in other areas of the mobile terminal, which is not limited herein. It should be noted that the ultraviolet light receiving module and the ultraviolet light emitting module in the mobile terminal are usually disposed in the same area.
The payment request information is used for indicating the mobile terminal to carry out mobile payment or payment, after the mobile terminal receives the first ultraviolet light signal, the information contained in the first ultraviolet light signal can be restored from the first ultraviolet light signal, when the information is the payment request information, payment information used for one transaction, namely different transactions, is generated, the payment information is different, and the payment information can be formed by combining the information of the mobile terminal according to the current time, a payment password, a payment account number, an identification code of a payment platform and the like according to preset rules.
Optionally, the payment request information may include a bill, the mobile terminal may restore the payment request information from the first ultraviolet light signal after receiving the first ultraviolet light signal including the payment request information, acquire the bill in the payment request information, and display the bill on a screen of the mobile terminal, after determining that the bill is correct, the user triggers generation of a confirmation instruction, and when receiving the confirmation instruction, the mobile terminal acquires the payment information.
Optionally, before the ultraviolet light receiving module receives the first ultraviolet light signal, the method further includes:
and starting the ultraviolet light communication function.
In this embodiment of the present application, an ultraviolet communication function switch button may be configured in a system setting option of the mobile terminal, and when an on operation of the switch button is detected, it is determined that the mobile terminal turns on the ultraviolet communication function, and when an off operation of the switch button is detected, it is determined that the mobile terminal turns off the ultraviolet communication function. If the mobile terminal starts the ultraviolet communication function, an ultraviolet receiving module in the mobile terminal can receive an ultraviolet signal, and an ultraviolet transmitting module can transmit the ultraviolet signal; if the mobile terminal shuts down the ultraviolet communication function, the ultraviolet receiving module in the mobile terminal does not receive the ultraviolet signal (i.e., shuts down the ultraviolet receiving module), and the ultraviolet emitting module does not emit the ultraviolet signal (i.e., shuts down the ultraviolet emitting module).
Optionally, when the ultraviolet light receiving module receives the first ultraviolet light signal, acquiring the payment information includes:
when the ultraviolet light receiving module receives the first ultraviolet light signal, acquiring a target payment application program;
and acquiring the payment information according to the target payment application program.
The target payment application may refer to a payment application used for the transaction, and the payment application may refer to an application having a payment function, such as a payment treasure, a WeChat, and the like. Different payment applications have different corresponding payment information.
Optionally, the obtaining the target payment application includes:
obtaining a target payment application from a memory; or
And acquiring a payment application program for starting an ultraviolet light communication function, wherein the payment application program is the target payment application program, and the ultraviolet light communication function is configured in the payment application program.
In the embodiment of the application, the identification information of the payment application program for mobile payment can be stored in the memory in advance, the payment application program corresponding to the identification information stored in the memory in advance is a target payment application program, when the ultraviolet communication function in the system setting option is detected to be started, the identification information is obtained from the memory, and the payment application program corresponding to the identification information is the target payment application program; the method includes the steps that an ultraviolet communication function can be configured in a payment application program (for example, an ultraviolet communication function option is configured on a payment application program interface, a user can select whether to start the ultraviolet communication function through the ultraviolet communication function option), the payment application program for starting the ultraviolet communication function in all payment application programs installed on the mobile terminal is obtained, and if the number of the payment application programs for starting the ultraviolet communication function is one, the payment application program is determined to be a target payment application program; if the number of the payment applications with the ultraviolet light communication function is at least two, the priorities of the at least two payment applications are obtained (the priorities of the payment applications installed on the mobile terminal can be set in the mobile terminal in advance), and the payment application with the highest priority is determined to be the target application.
Step S302, a second ultraviolet light signal is sent to the payment terminal through the ultraviolet light emitting module, wherein the second ultraviolet light signal is payment information sent in the form of an ultraviolet light signal.
Step S303, obtaining payment result information through the payment terminal receiving the second ultraviolet light signal.
In this application embodiment, the mobile terminal can send the second ultraviolet light signal that contains payment information to payment terminal through ultraviolet emission module, after payment terminal received the second ultraviolet light signal through ultraviolet light receiving module, can restore payment information from the second ultraviolet light signal, send payment information to corresponding payment platform, payment platform can carry out the operation of deducting money according to payment information, and obtain the result of the operation of deducting money, the result of this operation of deducting money is payment result information promptly, payment result information includes but not limited to payment success, payment failure etc..
Optionally, the obtaining payment result information through the payment terminal receiving the second ultraviolet light signal includes:
receiving a third ultraviolet light signal through the ultraviolet light receiving module, wherein the third ultraviolet light signal is the payment result information sent by the payment terminal in the form of an ultraviolet light signal;
acquiring the payment result information according to the third ultraviolet light signal; or
And obtaining the payment result information from a payment platform, wherein the payment result information in the payment platform is fed back according to the payment information after the payment platform receives the payment information sent by the payment terminal.
In the embodiment of the application, after the payment platform acquires the payment result information, the payment result information can be sent to the payment terminal, and the payment terminal can display the payment result information on a screen of the payment terminal, so that a cashier can conveniently check whether the transaction is successfully paid. The payment platform can directly send the payment result information to the mobile terminal; the payment result information can also be sent to the mobile terminal through the payment terminal, for example, the payment terminal sends the payment result information to the mobile terminal in the form of an ultraviolet light signal through the ultraviolet light emitting module, after receiving the ultraviolet light signal, the mobile terminal can restore the payment result information from the ultraviolet light signal, and the payment result information can be obtained under the condition that the mobile terminal is not networked.
And step S304, displaying the payment result information.
In the embodiment of the application, the mobile terminal may display the payment result information on the screen, for example, the payment result information is displayed in a floating manner in a form of a pop-up window on the screen.
This application embodiment sets up ultraviolet ray receiving module and ultraviolet ray emission module in mobile terminal, can realize the ultraviolet ray communication between mobile terminal and the payment terminal through ultraviolet ray receiving module and ultraviolet ray emission module, compare in infrared light communication, ultraviolet ray communication can avoid carrying out the optics to the target and catch, trail and fight, better confidentiality has, and the background interference is less, consequently, realize the payment interaction between mobile terminal and the payment terminal through ultraviolet ray communication, can improve mobile terminal at payment process's security. In addition, in the payment process of the mobile terminal and the payment terminal, the ultraviolet light communication does not need a consumer to operate the mobile terminal to display the payment code, so that the payment process is simplified, and the payment efficiency is improved.
Referring to fig. 4, which is a schematic view of an implementation flow of a payment method provided in the third embodiment of the present application, the payment method is applied to a payment terminal, and the payment terminal is provided with an ultraviolet light receiving module and an ultraviolet light emitting module, as shown in the figure, the payment method may include the following steps:
step S401, payment request information is acquired.
In the embodiment of the application, the ultraviolet light receiving module and the ultraviolet light emitting module in the payment terminal can be arranged in a certain area on the back of the payment terminal, so that a consumer can align the area where the ultraviolet light receiving module and the ultraviolet light emitting module are located in the mobile terminal with the area where the ultraviolet light receiving module and the ultraviolet light emitting module are located in the payment terminal, and the accuracy of ultraviolet light communication is improved. Optionally, the ultraviolet light receiving module and the ultraviolet light emitting module in the payment terminal may also be arranged in a certain area on the front side of the payment terminal, and a cashier may hold the mobile terminal of a consumer, and align the area where the ultraviolet light receiving module and the ultraviolet light emitting module are located in the mobile terminal with the area where the ultraviolet light receiving module and the ultraviolet light emitting module are located in the self-service cash register. For a self-service cash register, the ultraviolet light receiving module and the ultraviolet light emitting module are usually arranged on the front surface of the self-service cash register, and a consumer can align the area where the ultraviolet light receiving module and the ultraviolet light emitting module are located in the mobile terminal with the area where the ultraviolet light receiving module and the ultraviolet light emitting module are located in the self-service cash register by himself. It should be noted that the ultraviolet light receiving module and the ultraviolet light emitting module in the payment terminal are usually disposed in the same area.
Step S402, a first ultraviolet light signal is sent to the mobile terminal through an ultraviolet light emitting module, wherein the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal.
In the embodiment of the application, the purchase bill of the consumer is displayed on the screen of the payment terminal, and after the bill is determined to be correct, the generation of payment request information can be triggered, and the payment request information is sent to the mobile terminal in the form of an ultraviolet light signal, wherein the payment request information is used for instructing the mobile terminal to carry out mobile payment or payment.
Step S403, receiving a second ultraviolet light signal through an ultraviolet light receiving module, where the second ultraviolet light signal is fed back by the mobile terminal after receiving the first ultraviolet light signal.
And S404, obtaining payment result information according to the second ultraviolet light signal.
And step S405, displaying the payment result information.
Wherein the second ultraviolet light signal comprises payment information.
Optionally, the obtaining payment result information according to the second ultraviolet light signal includes:
acquiring payment information according to the second ultraviolet light signal;
sending the payment information to a payment platform;
and obtaining payment result information, wherein the payment result information is fed back after the payment platform receives the payment information.
In this embodiment of the application, after the payment terminal receives the second ultraviolet light signal through the ultraviolet light receiving module, the payment information can be restored from the second ultraviolet light signal, and the payment information is sent to the corresponding payment platform, and the payment platform can perform a deduction operation according to the payment information and acquire a result of the deduction operation, where the result of the deduction operation is payment result information, and the payment result information includes, but is not limited to, payment success, payment failure, and the like.
Optionally, after obtaining the payment result information, the method further includes:
and sending a third ultraviolet light signal to the mobile terminal through the ultraviolet light emitting module, wherein the third ultraviolet light signal is the payment result information sent in the form of an ultraviolet light signal.
In the embodiment of the application, when the payment terminal acquires the payment result information from the payment platform, the payment result information can be displayed on a screen of the payment terminal, and the payment result information is sent to the mobile terminal in the form of the ultraviolet light signal, so that the mobile terminal is completed under the condition that the mobile terminal is not networked.
This application embodiment sets up ultraviolet ray receiving module and ultraviolet ray emission module in payment terminal, can realize the ultraviolet ray communication between mobile terminal and the payment terminal through ultraviolet ray receiving module and ultraviolet ray emission module, compare in infrared light communication, ultraviolet ray communication can avoid carrying out the optics to the target and catch, trail and fight, better confidentiality has, and the background interference is less, consequently, realize the payment interaction between mobile terminal and the payment terminal through ultraviolet ray communication, can improve payment terminal at payment process's security.
Referring to fig. 5, a schematic diagram of a mobile terminal provided in the fourth embodiment of the present application is shown, and for convenience of description, only the portions related to the embodiment of the present application are shown.
The mobile terminal is provided with an ultraviolet light receiving module and an ultraviolet light emitting module;
the mobile terminal includes:
a payment information obtaining module 51, configured to obtain payment information when the ultraviolet light receiving module receives a first ultraviolet light signal, where the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal;
a payment information sending module 52, configured to send a second ultraviolet light signal to the payment terminal through the ultraviolet light emitting module, where the second ultraviolet light signal is payment information sent in the form of an ultraviolet light signal;
a payment result obtaining module 53, configured to obtain payment result information through the payment terminal that receives the second ultraviolet light signal;
and a payment result display module 54, configured to display the payment result information.
Optionally, the payment information obtaining module 51 includes:
the target acquisition unit is used for acquiring a target payment application program when the ultraviolet light receiving module receives the first ultraviolet light signal;
and the information acquisition unit is used for acquiring the payment information according to the target payment application program.
Optionally, the target obtaining unit is specifically configured to:
obtaining a target payment application from a memory; or
And acquiring a payment application program for starting an ultraviolet light communication function, wherein the payment application program is the target payment application program, and the ultraviolet light communication function is configured in the payment application program.
Optionally, the payment result obtaining module 53 includes:
the signal receiving unit is used for receiving a third ultraviolet light signal through the ultraviolet light receiving module, wherein the third ultraviolet light signal is the payment result information sent by the payment terminal in the form of an ultraviolet light signal;
the first acquisition unit is used for acquiring the payment result information according to the third ultraviolet light signal; or
And the second acquisition unit is used for acquiring the payment result information from a payment platform, wherein the payment result information in the payment platform is fed back according to the payment information after the payment platform receives the payment information sent by the payment terminal.
The mobile terminal provided in the embodiment of the present application may be applied to the second method embodiment, and for details, refer to the description of the second method embodiment, which is not described herein again.
Referring to fig. 6, a schematic diagram of a payment terminal provided in the fifth embodiment of the present application is shown, and for convenience of description, only the portions related to the embodiment of the present application are shown.
The payment terminal is provided with an ultraviolet light receiving module and an ultraviolet light emitting module;
the payment terminal includes:
a payment request obtaining module 61, configured to obtain payment request information;
a payment request sending module 62, configured to send a first ultraviolet light signal to the mobile terminal through the ultraviolet light emitting module, where the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal;
an ultraviolet light signal receiving module 63, configured to receive a second ultraviolet light signal through the ultraviolet light receiving module, where the second ultraviolet light signal is fed back by the mobile terminal after receiving the first ultraviolet light signal;
a payment information obtaining module 64, configured to obtain payment result information according to the second ultraviolet light signal;
and a payment information display module 65, configured to display the payment result information.
Optionally, the payment information obtaining module 64 includes:
the payment acquisition unit is used for acquiring payment information according to the second ultraviolet light signal;
the information sending unit is used for sending the payment information to a payment platform;
and the information acquisition unit is used for acquiring payment result information, and the payment result information is fed back after the payment platform receives the payment information.
Optionally, the payment terminal further includes:
an ultraviolet light signal sending module 66, configured to send a third ultraviolet light signal to the mobile terminal through the ultraviolet light emitting module, where the third ultraviolet light signal is the payment result information sent in the form of an ultraviolet light signal.
The payment terminal provided in the embodiment of the present application may be applied to the third method embodiment, and for details, refer to the description of the third method embodiment, which is not described herein again.
Fig. 7 is a schematic diagram of a mobile terminal according to a sixth embodiment of the present application. The mobile terminal as shown in the figure may include: one or more processors 701 (only one shown); one or more input devices 702 (only one shown), one or more output devices 703 (only one shown), and memory 704. The input device 702 includes an ultraviolet light receiving module, and the output device 703 includes an ultraviolet light emitting module. The processor 701, the input device 702, the output device 703, and the memory 704 are connected by a bus 705. The memory 704 is used for storing instructions and the processor 701 is used for executing the instructions stored by the memory 704. Wherein:
the processor 701 is configured to obtain payment information when the ultraviolet light receiving module receives a first ultraviolet light signal, where the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal; sending a second ultraviolet light signal to the payment terminal through the ultraviolet light emitting module, wherein the second ultraviolet light signal is payment information sent in the form of an ultraviolet light signal; obtaining payment result information through the payment terminal receiving the second ultraviolet light signal; and displaying the payment result information.
Optionally, the processor 701 is specifically configured to:
when the ultraviolet light receiving module receives the first ultraviolet light signal, acquiring a target payment application program;
and acquiring the payment information according to the target payment application program.
Optionally, the processor 701 is specifically configured to:
obtaining a target payment application from a memory; or
And acquiring a payment application program for starting an ultraviolet light communication function, wherein the payment application program is the target payment application program, and the ultraviolet light communication function is configured in the payment application program.
Optionally, the processor 701 is specifically configured to:
receiving a third ultraviolet light signal through the ultraviolet light receiving module, wherein the third ultraviolet light signal is the payment result information sent by the payment terminal in the form of an ultraviolet light signal;
acquiring the payment result information according to the third ultraviolet light signal; or
And obtaining the payment result information from a payment platform, wherein the payment result information in the payment platform is fed back according to the payment information after the payment platform receives the payment information sent by the payment terminal.
It should be understood that, in the embodiment of the present Application, the Processor 701 may be a Central Processing Unit (CPU), and the Processor may also be other general processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, and the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The input device 702 may include a touch pad, a fingerprint sensor (for collecting fingerprint information of a user and direction information of the fingerprint), a microphone, a data receiving interface, an ultraviolet light receiving module, and the like. The output devices 703 may include a display (LCD, etc.), speakers, a data transmission interface, an ultraviolet light emitting module, and the like.
The memory 704 may include both read-only memory and random-access memory, and provides instructions and data to the processor 701. A portion of the memory 704 may also include non-volatile random access memory. For example, the memory 704 may also store device type information.
In a specific implementation, the processor 701, the input device 702, the output device 703, and the memory 704 described in this embodiment may execute the implementation described in the embodiment of the payment method provided in this embodiment, or may execute the implementation described in the mobile terminal described in the fourth embodiment, which is not described herein again.
Fig. 8 is a schematic diagram of a payment terminal provided in the seventh embodiment of the present application. The payment terminal as shown may include: one or more processors 801 (only one shown); one or more input devices 802 (only one shown), one or more output devices 803 (only one shown), and a memory 804. The input device 802 includes an ultraviolet light receiving module, and the output device 803 includes an ultraviolet light emitting module. The processor 801, the input device 802, the output device 803, and the memory 804 described above are connected by a bus 805. The memory 804 is used for storing instructions and the processor 801 is used for executing the instructions stored by the memory 804. Wherein:
the processor 801 is configured to obtain payment request information; sending a first ultraviolet light signal to the mobile terminal through the ultraviolet light emitting module, wherein the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal; receiving a second ultraviolet light signal through the ultraviolet light receiving module, wherein the second ultraviolet light signal is fed back after the mobile terminal receives the first ultraviolet light signal;
and acquiring payment result information according to the second ultraviolet light signal.
Optionally, the processor 801 is specifically configured to:
acquiring payment information according to the second ultraviolet light signal;
sending the payment information to a payment platform;
and obtaining payment result information, wherein the payment result information is fed back after the payment platform receives the payment information.
Optionally, the processor 801 is further configured to:
and sending a third ultraviolet light signal to the mobile terminal through the ultraviolet light emitting module, wherein the third ultraviolet light signal is the payment result information sent in the form of an ultraviolet light signal.
It should be understood that in the embodiment of the present application, the processor 801 may be a CPU, and the processor may also be other general processors, digital signal processors DSP, application specific integrated circuits ASIC, off-the-shelf programmable gate arrays FPGA or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, and the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The input device 802 may include a touch pad, a microphone, a data receiving interface, an ultraviolet light receiving module, and the like. The output device 803 may include a display (LCD, etc.), a speaker, a data transmission interface, an ultraviolet light emitting module, and the like.
The memory 804 may include both read-only memory and random access memory, and provides instructions and data to the processor 801. A portion of the memory 804 may also include non-volatile random access memory. For example, the memory 804 may also store device type information.
In a specific implementation, the processor 801, the input device 802, the output device 803, and the memory 804 described in this embodiment of the present application may execute the implementation described in the embodiment of the payment method provided in this embodiment of the present application, or may execute the implementation described in the payment terminal described in the fifth embodiment of the present application, which is not described herein again.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiments provided in the present application, it should be understood that the disclosed mobile terminal/payment terminal and method may be implemented in other ways. For example, the above-described mobile terminal/payment terminal embodiments are merely illustrative, and for example, the division of the modules or units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The embodiment of the present application further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the computer program implements the steps of the payment method according to the second embodiment; or the computer program when executed by a processor implements the steps of the payment method described in the third embodiment above.
The embodiment of the present application provides a computer program product, which when running on a mobile terminal, enables the mobile terminal to implement the steps of the payment method according to the second embodiment when executed; or when the computer program product runs on a payment terminal, the payment terminal is enabled to implement the steps of implementing the payment method in the third embodiment.
The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow in the method of the embodiments described above can be realized by a computer program, which can be stored in a computer-readable storage medium and can realize the steps of the embodiments of the methods described above when the computer program is executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.
Claims (10)
1. A payment method is applied to a mobile terminal, and is characterized in that the mobile terminal is provided with an ultraviolet light receiving module and an ultraviolet light emitting module, and the payment method comprises the following steps:
when the ultraviolet light receiving module receives a first ultraviolet light signal, payment information is obtained, wherein the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal;
sending a second ultraviolet light signal to the payment terminal through the ultraviolet light emitting module, wherein the second ultraviolet light signal is payment information sent in the form of an ultraviolet light signal;
obtaining payment result information through the payment terminal receiving the second ultraviolet light signal;
and displaying the payment result information.
2. A payment method as recited in claim 1, wherein the obtaining payment information upon receipt of the first ultraviolet light signal by the ultraviolet light receiving module comprises:
when the ultraviolet light receiving module receives the first ultraviolet light signal, acquiring a target payment application program;
and acquiring the payment information according to the target payment application program.
3. A payment method as recited in claim 2, wherein the obtaining a targeted payment application comprises:
obtaining a target payment application from a memory; or
And acquiring a payment application program for starting an ultraviolet light communication function, wherein the payment application program is the target payment application program, and the ultraviolet light communication function is configured in the payment application program.
4. A payment method as claimed in any one of claims 1 to 3, wherein the obtaining payment result information by the payment terminal receiving the second ultraviolet light signal comprises:
receiving a third ultraviolet light signal through the ultraviolet light receiving module, wherein the third ultraviolet light signal is the payment result information sent by the payment terminal in the form of an ultraviolet light signal;
acquiring the payment result information according to the third ultraviolet light signal; or
And obtaining the payment result information from a payment platform, wherein the payment result information in the payment platform is fed back according to the payment information after the payment platform receives the payment information sent by the payment terminal.
5. A payment method is applied to a payment terminal, and is characterized in that the payment terminal is provided with an ultraviolet light receiving module and an ultraviolet light emitting module, and the payment method comprises the following steps:
acquiring payment request information;
sending a first ultraviolet light signal to the mobile terminal through the ultraviolet light emitting module, wherein the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal;
receiving a second ultraviolet light signal through the ultraviolet light receiving module, wherein the second ultraviolet light signal is fed back after the mobile terminal receives the first ultraviolet light signal;
obtaining payment result information according to the second ultraviolet light signal;
and displaying the payment result information.
6. The payment method of claim 5, wherein said obtaining payment result information based on said second UV light signal comprises:
acquiring payment information according to the second ultraviolet light signal;
sending the payment information to a payment platform;
and obtaining payment result information, wherein the payment result information is fed back after the payment platform receives the payment information.
7. Payment method according to claim 5 or 6, further comprising, after obtaining the payment result information:
and sending a third ultraviolet light signal to the mobile terminal through the ultraviolet light emitting module, wherein the third ultraviolet light signal is the payment result information sent in the form of an ultraviolet light signal.
8. The utility model provides a mobile terminal, its characterized in that, mobile terminal is provided with ultraviolet ray receiving module and ultraviolet ray emission module, mobile terminal includes:
the payment information acquisition module is used for acquiring payment information when the ultraviolet light receiving module receives a first ultraviolet light signal, wherein the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal;
the payment information sending module is used for sending a second ultraviolet light signal to the payment terminal through the ultraviolet light emitting module, wherein the second ultraviolet light signal is payment information sent in the form of an ultraviolet light signal;
the payment result acquisition module is used for acquiring payment result information through the payment terminal receiving the second ultraviolet light signal;
and the payment result display module is used for displaying the payment result information.
9. The utility model provides a payment terminal, its characterized in that payment terminal is provided with ultraviolet ray receiving module and ultraviolet ray emission module, payment terminal includes:
the payment request acquisition module is used for acquiring payment request information;
the payment request sending module is used for sending a first ultraviolet light signal to the mobile terminal through the ultraviolet light emitting module, wherein the first ultraviolet light signal is payment request information sent in the form of an ultraviolet light signal;
the ultraviolet light signal receiving module is used for receiving a second ultraviolet light signal through the ultraviolet light receiving module, wherein the second ultraviolet light signal is fed back after the mobile terminal receives the first ultraviolet light signal;
the payment information acquisition module is used for acquiring payment result information according to the second ultraviolet light signal;
and the payment information display module is used for displaying the payment result information.
10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the payment method according to any one of claims 1 to 4; or which computer program, when being executed by a processor, carries out the steps of the payment method according to any one of claims 5 to 7.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911024678.2A CN110782248A (en) | 2019-10-25 | 2019-10-25 | Payment method, payment device, mobile terminal and payment terminal |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911024678.2A CN110782248A (en) | 2019-10-25 | 2019-10-25 | Payment method, payment device, mobile terminal and payment terminal |
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| CN110782248A true CN110782248A (en) | 2020-02-11 |
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| CN201911024678.2A Pending CN110782248A (en) | 2019-10-25 | 2019-10-25 | Payment method, payment device, mobile terminal and payment terminal |
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