CN114493579A - Mobile payment method, mobile payment device, electronic equipment and storage medium - Google Patents

Mobile payment method, mobile payment device, electronic equipment and storage medium Download PDF

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CN114493579A
CN114493579A CN202011268425.2A CN202011268425A CN114493579A CN 114493579 A CN114493579 A CN 114493579A CN 202011268425 A CN202011268425 A CN 202011268425A CN 114493579 A CN114493579 A CN 114493579A
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payment
uwb
communication link
equipment
module
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郭富祥
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Guangdong Oppo Mobile Telecommunications Corp Ltd
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Guangdong Oppo Mobile Telecommunications Corp Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the application discloses a mobile payment method, which comprises the following steps: determining a separation distance between the payment device and the collection device; if the spacing distance is within the spacing distance range, establishing a UWB encrypted communication link between a first UWB module of the payment equipment and a second UWB module of the collection equipment; receiving a payment request from a second UWB module through a UWB encrypted communication link; and responding to the payment request, and sending the payment code to the collection equipment through the UWB encryption communication link so that the collection equipment deducts money from the account corresponding to the payment code through the second UWB module. The embodiment of the application also discloses a mobile payment device, electronic equipment and a storage medium.

Description

Mobile payment method, mobile payment device, electronic equipment and storage medium
Technical Field
The present application relates to the field of communications technologies, and in particular, to a mobile payment method, a mobile payment device electronic device, and a storage medium.
Background
With the rapid development of mobile internet technology and artificial intelligence technology, mobile payment has become the mainstream mode of payment at present, and great convenience is brought to the life of people because the use of paper money is reduced.
In the related art, the mobile payment process is that a consumer opens a payment Application (APP) or pays a two-dimensional code in advance before a cash receiving station to pay. However, in an actual payment scenario, there is often a case that the payment APP or the payment two-dimensional code is not opened in advance when the consumer receives the cash desk, or the speed of opening the payment APP or the payment two-dimensional code is very slow due to a special reason such as a payment device being stuck, and at this time, queuing payment is caused. As can be seen, improving the payment efficiency of mobile payments has been a problem that is urgently to be solved.
Disclosure of Invention
The embodiment of the application expects to provide a mobile payment method, a mobile payment device, an electronic device and a storage medium, which solve the problem of low payment efficiency of mobile payment in the related technology, and the mobile payment method provided by the application at least has the following beneficial effects: the non-contact payment between the payment equipment and the collection equipment is realized through the UWB encrypted communication link, so that the user operation is reduced as much as possible, the payment rapidness is improved, and the payment safety is ensured.
The technical scheme of the application is realized as follows:
a mobile payment method, the method comprising:
determining a separation distance between the payment device and the collection device;
if the spacing distance is within the spacing distance range, establishing a UWB encrypted communication link between a first UWB module of the payment device and a second UWB module of the collection device;
receiving a payment request from the second UWB module over a UWB encrypted communications link;
and responding to the payment request, and sending a payment code to the collection device through the UWB encrypted communication link so that the collection device deducts the account corresponding to the payment code through the second UWB module.
In the above solution, the sending a payment code to the payment apparatus through the UWB encrypted communication link in response to the payment request, where the payment request carries an apparatus identifier of the payment apparatus, includes:
responding to the payment request, and acquiring historical payment information associated with the equipment identification in a historical period;
and if the historical payment information represents that the payment service associated with the equipment identifier exists between the payment equipment and the collection equipment for the target times, the payment code is sent to the collection equipment through the UWB encrypted communication link.
In the above scheme, the payment request carries a payment amount, the number of times of the target is at least two, and the sending of the payment code to the payment apparatus through the UWB encrypted communication link includes:
if the payment amount is larger than a payment amount threshold value, acquiring the maximum payment amount in the payment services of the target times;
and if the payment amount is less than or equal to the maximum payment amount, sending the payment code to the collection device through the UWB encrypted communication link.
In the above scheme, after obtaining the historical payment information associated with the device identifier in the historical period, the method further includes:
if the historical payment information represents that the payment service associated with the equipment identifier does not exist between the payment equipment and the collection equipment for the target times, authenticating the second UWB module;
and if the authentication is passed, the payment code is sent to the money receiving equipment through the UWB encrypted communication link.
In the above scheme, the sending the payment code to the payment apparatus through the UWB encrypted communication link includes:
acquiring an identification category to which the equipment identification belongs;
and if the identification type accords with the target type and the payment amount is less than the target payment amount corresponding to the target type, sending the payment code to the collection equipment through the UWB encrypted communication link.
In the foregoing solution, before determining the distance between the payment device and the payment receiving device, the method further includes:
determining the number of a plurality of positioning devices searched by the global positioning system;
acquiring a carrier-to-noise ratio of each of the plurality of positioning devices;
if the number is larger than a target threshold value and each carrier-to-noise ratio is larger than a carrier-to-noise ratio threshold value, determining a first position of the payment equipment through the global positioning system;
determining the checkout device having a communication distance with the payment device within a target communication distance.
In the above scheme, the determining the separation distance between the payment device and the payment receiving device includes:
transmitting ranging signals according to a bilateral two-way ranging algorithm through the first UWB module and the second UWB module when a channel is in an idle state;
acquiring the transmission time and the transmission speed of the ranging signal in the transmission process;
determining the separation distance based on the transmission time and the transmission speed.
A mobile payment device, the device comprising:
a determination unit for determining a separation distance between the payment apparatus and the payment apparatus;
the first processing unit is used for establishing a UWB encrypted communication link between a first UWB module of the payment device and a second UWB module of the collection device if the spacing distance is within the spacing distance range;
the receiving unit is used for receiving a target payment request from the second UWB module through a UWB encrypted communication link;
and the second processing unit is used for responding to the target payment request, sending a payment code to the collection device through the UWB encrypted communication link, so that the collection device deducts the account corresponding to the payment code through the second UWB module.
An electronic device, the electronic device comprising: a processor, a memory, and a communication bus;
the communication bus is used for realizing communication connection between the processor and the memory;
the processor is used for executing the mobile payment program stored in the memory so as to realize the mobile payment method.
A storage medium storing one or more programs executable by one or more processors to implement the mobile payment method described above.
According to the mobile payment method, the mobile payment device, the electronic equipment and the storage medium, the distance between the payment equipment and the collection equipment is determined; if the spacing distance is within the spacing distance range, establishing a UWB encryption communication link between a first UWB module of the payment equipment and a second UWB module of the collection equipment; receiving a payment request from a second UWB module through a UWB encrypted communication link; responding to the payment request, and sending the payment code to the collection equipment through the UWB encryption communication link so that the collection equipment deducts money from the account corresponding to the payment code through the second UWB module; therefore, as long as the spacing distance between the payment device and the collection device is within the spacing distance range, the non-contact payment between the payment device and the collection device can be realized through the UWB encrypted communication link, the user operation is reduced as much as possible, the payment rapidity and the payment efficiency are improved, and the payment safety is ensured.
Drawings
Fig. 1 is an alternative flow chart of a mobile payment method provided in the embodiment of the present application;
fig. 2 is an optional scenario diagram of a mobile payment method according to an embodiment of the present application;
fig. 3 is an alternative flow chart of a mobile payment method provided in the embodiment of the present application;
fig. 4 is an alternative flow chart of the mobile payment method provided in the embodiment of the present application;
fig. 5 is an alternative flow chart of a mobile payment method according to an embodiment of the present application;
fig. 6 is an alternative flow chart of a mobile payment method provided in the embodiment of the present application;
FIG. 7 is a schematic diagram of the position of a payment device in an embodiment of the application;
fig. 8 is an alternative flowchart of a mobile payment method provided in the embodiment of the present application;
fig. 9 is an alternative flowchart of a mobile payment method provided in the embodiment of the present application;
FIG. 10 is an interaction diagram illustrating the transmission of a ranging signal between a payment device and a payment device in an embodiment of the present application;
FIG. 11 is a schematic diagram of an alternative ranging in an embodiment of the present application;
FIG. 12 is a schematic diagram of another alternative ranging in an embodiment of the present application;
fig. 13 is an alternative structural diagram of a mobile payment device according to an embodiment of the present application;
fig. 14 is an alternative structural schematic diagram of an electronic device according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application.
It should be appreciated that reference throughout this specification to "an embodiment of the present application" or "an embodiment described previously" means that a particular feature, structure or characteristic described in connection with the embodiment is included in at least one embodiment of the present application. Thus, the appearances of the phrases "in the embodiments of the present application" or "in the embodiments" in various places throughout this specification are not necessarily all referring to the same embodiments. Furthermore, the particular features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the embodiments of the present application, the sequence numbers of the above-mentioned processes do not mean the execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application. The above-mentioned serial numbers of the embodiments of the present application are merely for description and do not represent the merits of the embodiments.
In the mobile payment method mentioned in the background art, in the payment process, a consumer needs to open a payment APP or pay a two-dimensional code in advance before receiving a bank platform to pay. However, in an actual payment scenario, there is often a case that the payment APP or the payment two-dimensional code is not opened in advance when the consumer receives the cash desk, or the speed of opening the payment APP or the payment two-dimensional code is very slow due to a special reason such as a payment device being stuck, and at this time, queuing payment is caused. As can be seen, improving the payment efficiency of mobile payments has been a problem that is urgently to be solved.
In the related art, in addition to the mobile payment process mentioned in the background art, there is also a mobile payment process, specifically, the association between the mobile terminal and the receiving device is realized based on a dynamic password, a payment confirmation request is sent to the mobile terminal, and the mobile terminal receives the payment confirmation request and, after detecting a deduction trigger signal sent by the receiving device, realizes automatic deduction confirmation based on the deduction trigger signal. However, in the scheme, a consumer needs to actively initiate a dynamic password, but in domestic supermarkets and convenience stores, staff generally scan codes of commodities and then require the consumer to open a payment APP or show a payment two-dimensional code, so that the method cannot be widely applied in domestic. It can be seen that other mobile payment schemes in the related art still fail to solve the above-mentioned problems in the background art.
The embodiment of the application provides a mobile payment method, which is applied to payment equipment and shown in fig. 1, and the method comprises the following steps:
step 101, determining the separation distance between the payment device and the payment receiving device.
The payment device may be a mobile terminal device such as a mobile phone, a tablet computer, a notebook computer, a Personal Digital Assistant (PDA), a camera, a wearable device, an intelligent bracelet, and an intelligent watch, which are internally provided with a first Ultra-Wideband (UWB) module.
The money receiving device may be a mobile terminal device such as a mobile phone, a tablet computer, a notebook computer, a Personal Digital Assistant (PDA), a camera, a wearable device, an intelligent bracelet, and an intelligent watch, which are built in with the second UWB module, or a fixed terminal device such as a desktop computer, which is built in with the second UWB module.
Illustratively, as shown in FIG. 2, in one achievable payment scenario, the payment device 1 determines its own separation distance from the checkout device 2. The payment device 1 is integrated with a first UWB module 20, wherein the first UWB module 20 comprises a first storage module 201, a first processing module 202, a first UWB communication module 203, a first antenna 204 connected with the first UWB communication module 203, a first wireless communication module 205, and a second antenna 206 connected with the first wireless communication module 205. The first antenna 204 is used for supporting the first UWB communication module 203 of the payment device 1 to perform UWB signal transceiving, and the second antenna 206 is used for supporting the first wireless communication module 205 of the payment device 1 to perform transceiving of communication signals different from the UWB signals, for example, transceiving of ranging signals. The money receiving apparatus 2 is integrated with a second UWB module 21, wherein the second UWB module 21 includes a second storage module 211, a second processing module 212, a second UWB communication module 213, a third antenna 214 connected to the second UWB communication module 213, a second wireless communication module 215, and a fourth antenna 216 connected to the second wireless communication module 215. The third antenna 214 is used to support the second UWB communication module 213 of the money receiving device 2 to perform UWB signal transmission and reception, and the fourth antenna 216 is used to support the second wireless communication module 215 of the money receiving device 2 to perform transmission and reception of a communication signal different from the UWB signal, for example, transmission and reception of a ranging signal.
Referring to fig. 2, in the above payment scenario, the payment apparatus may further include a router 3 and a cloud server 4, the money receiving device 2 may connect the router 3 through the second UWB module 21, and upload configuration information of the second UWB module 21 to the cloud server 4, where the configuration information includes, but is not limited to, a UWB address of the second UWB module 21, and a second UWB communication configuration, where the second UWB communication configuration includes a communication channel of the second communication module 213, a second preamble (preamble) length, a second Pulse Repetition Frequency (PRF), and a second data rate (data rate). As such, before the payment device 1 communicates with the payment device 2, the payment device 1 may query configuration information of the payment device 2 from the cloud server 4 to determine whether the payment device 2 supports the UWB recognition function and the UWB auxiliary payment function.
The separation distance refers to a distance between a current position of the payment device and a current position of the collection device.
Here, UWB is a wireless carrier communication technology, which uses a nanosecond-level narrow pulse sequence of non-sinusoidal waves to spread pulses within a frequency range by orthogonal frequency division modulation or direct sequencing, and performs data transmission, and has the characteristics of high transmission rate, large spatial capacity, low cost, low power consumption, and the like. The mobile payment method adopts UWB communication payment, is not easily interfered by a mobile network, and has high payment safety.
In the embodiment of the application, the payment device may determine the spacing distance between the payment device and the payment device based on a Double-sided Two-Way Ranging (DS-TWR) algorithm; of course, the payment device may also determine the separation distance between itself and the payment apparatus based on other technical solutions, for example, the payment device may also determine the separation distance between the payment device and the payment apparatus based on a Single-sided Two-Way Ranging (SS-TWR) algorithm.
And 102, if the spacing distance is within the spacing distance range, establishing a UWB encrypted communication link between a first UWB module of the payment device and a second UWB module of the payment device.
Wherein the separation distance range may be considered a secure payment range, the separation distance range may be pre-stored in the payment device before the separation distance is determined.
The UWB encryption communication link is a communication link which is based on protocol agreement and obtained by encrypting a first UWB module in the payment equipment and a second UWB module in the collection equipment. Illustratively, the UWB encrypted communication link is a link obtained by first agreeing on a communication link based on a UWB protocol specified in the 802.15.4 protocol between a first UWB module in the payment device and a second UWB module in the payment device, and then encrypting the communication link. The protocol used for the UWB encrypted communication link is not particularly limited in this application. When the UWB encryption communication link transmits data, the UWB encryption communication link has the performances of high speed, low power consumption, strong safety and multipath interference resistance, namely, the UWB encryption communication link established between the first UWB module of the payment equipment and the second UWB module of the money collection equipment ensures that the data transmission is fast and safe, and has a restraining effect on interference signals.
Here, the first UWB module includes a first UWB communication configuration including at least a communication channel of the first UWB communication module, a first preamble length, a first PRF, and a first data rate.
Here, the second UWB module includes a second UWB communication configuration including at least a communication channel of the second UWB communication module, a second preamble length, a second PRF, and a second data rate.
In the embodiment of the present application, if the payment device determines that the separation distance is within the separation distance range, a communication channel, a first preamble length, a first PRF, and a first data rate of the first UWB communication module in the configuration information of the first UWB communication module 203 are obtained; acquiring a communication channel, a second preamble length, a second PRF and a second data rate of a second UWB communication module in configuration information of a second UWB communication module 213 of the cash register; the payment apparatus determines that the payment apparatus 2 supports the UWB recognition function and the UWB auxiliary payment function based on the acquired configuration information. Therefore, the payment device and the collection device establish a UWB encryption communication link through the respective UWB modules, and the safety of message transmission or data transmission is further ensured.
Step 103, receiving a payment request from the second UWB module through the UWB encrypted communication link.
Wherein the payment request is a deduction request initiated by the payment device to the payment device. The payment request includes at least a payment amount and a device identification of the payment device.
In the embodiment of the application, the payment device receives the payment request from the second UWB module of the payment device through the UWB encrypted communication link established between the first UWB module of the payment device and the second UWB module of the payment device.
And step 104, responding to the payment request, and sending the payment code to the collection equipment through the UWB encrypted communication link so that the collection equipment deducts money from the account corresponding to the payment code through the second UWB module.
The payment code can be a graphic identification code or a digital identification code. For example, the graphic identification code may be a payment two-dimensional code or a payment barcode, which is not specifically limited in the present application.
In the embodiment of the application, the payment device responds to the payment request to acquire the payment code, and sends the payment code to the collection device through the UWB encryption communication link, so that the collection device deducts the payment amount of the account required to be paid corresponding to the payment code through the second UWB module.
According to the mobile payment method provided by the embodiment of the application, the distance between the payment device and the collection device is determined; if the spacing distance is within the spacing distance range, establishing a UWB encryption communication link between a first UWB module of the payment equipment and a second UWB module of the collection equipment; receiving a payment request from a second UWB module through a UWB encrypted communication link; responding to the payment request, and sending the payment code to the collection equipment through the UWB encryption communication link so that the collection equipment deducts money from the account corresponding to the payment code through the second UWB module; therefore, as long as the spacing distance between the payment device and the collection device is within the spacing distance range, the non-contact payment between the payment device and the collection device can be realized through the UWB encrypted communication link, the user operation is reduced as much as possible, the payment rapidity and the payment efficiency are improved, and the payment safety is ensured.
An embodiment of the present application provides a mobile payment method, which is applied to a payment device, and as shown in fig. 3, the method includes the following steps:
step 301, determining the separation distance between the payment device and the payment receiving device.
Step 302, if the separation distance is within the separation distance range, establishing a UWB encrypted communication link between the first UWB module of the payment device and the second UWB module of the payment device.
Step 303 receives a payment request from the second UWB module over the UWB encrypted communication link.
Step 304, obtaining historical payment information associated with the device identification in a historical period in response to the payment request.
The payment request carries the device identifier of the payment receiving device.
The historical payment information is payment information generated by payment between the payment support device and the money receiving device with the device identification in the historical time period.
For example, after the payment device responds to the payment request, historical payment information associated with the device identifier of the payment receiving device in historical one-week time including the current day may be acquired, and historical payment information associated with the device identifier of the payment receiving device in historical one-month time including the current day may also be acquired. Of course, the present application is not particularly limited with respect to the history period. It should be noted that the historical payment information may be stored in the payment device, and the historical payment information may also be stored in the cloud server.
And 305, if the historical payment information represents that the payment service associated with the equipment identifier has the target times between the payment equipment and the collection equipment, sending a payment code to the collection equipment through the UWB encrypted communication link so that the collection equipment deducts the account corresponding to the payment code through the second UWB module.
Wherein the target number of times is one or more.
Illustratively, the payment device determines that a payment code is sent to the collection device through the UWB encrypted communication link when at least one payment transaction exists between the payment device and the collection device; or the payment device sends a payment code to the collection device through the UWB encrypted communication link under the condition that the payment device determines that at least N payment services exist between the payment device and the collection device, wherein N is a positive integer greater than 1; therefore, the payment device determines that the payment service of the target times exists between the payment device and the collection device, the UWB encryption communication link is judged to be a safe and reliable communication link, the collection device integrated with the second UWB module is a safe and reliable collection device, and the payment device can send the payment code to the collection device through the UWB encryption communication link.
In an implementable payment scenario, where the payment request carries the payment amount, the target number is at least two, and step 305, if the historical payment information indicates that there is a payment service associated with the device identifier for the target number between the payment device and the payment receiving device, sends the payment code to the payment receiving device through the UWB encrypted communication link, as shown in fig. 4,
step 3051, if the payment amount is greater than the payment amount threshold, obtaining the maximum payment amount in the payment services of the target times.
The payment device may set a payment amount threshold in advance, and the payment amount threshold may be regarded as an upper limit amount of general privacy-free payment.
The payment device looks up the maximum payment amount in the historical payment information based on the device identification of the recipient device.
In the embodiment of the application, the payment device determines that the payment amount carried in the payment request is larger than the payment amount threshold value, and determines that at least two payment services associated with the payment device exist in a historical period, and then obtains the maximum payment amount in the at least two payment services. In this case, the payment device may determine whether the payment apparatus integrated with the second UWB module is a safe and reliable payment apparatus based on the maximum payment amount in the historical payment information.
Step 3052, if the payment amount is less than or equal to the maximum payment amount, the payment code is sent to the collection device through the UWB encryption communication link, so that the collection device deducts money from the account corresponding to the payment code through the second UWB module.
In the embodiment of the application, the payment device determines that the payment amount is less than or equal to the maximum payment amount, and sends the payment code to the collection device through the UWB encrypted communication link, that is, when the payment device determines that the payment amount is less than or equal to the maximum payment amount, the maximum payment amount is determined to be the temporary upper limit amount of the password-free payment. Therefore, the payment device can flexibly adjust the maximum secret-free payment amount under different payment scenes based on the payment condition of the historical time period, and meanwhile, the property safety of the account corresponding to the payment device is ensured.
It should be noted that the payment device may further obtain historical payment information associated with the device identifier in a historical time period corresponding to the device identifier of the payment receiving device, and further obtain the maximum payment amount in at least two payment services based on the historical payment information. For example, when the device identifier belongs to the first identifier range, the payment device may obtain historical payment information associated with the device identifier in historical one-week time including the current day, and further obtain the maximum payment amount in at least two payment services in historical one-week time including the current day; when the device identifier belongs to the second identifier range, the payment device may obtain historical payment information associated with the device identifier in historical one month time including the current day, and further obtain the maximum payment amount in the payment service at least twice in historical one month time including the current day. The first identification range and the second identification range are different, and the device identification belongs to different identification ranges, so that the device identification has different security priorities.
In another payment scenario where the payment request carries a payment amount, the sending of the payment code to the payment device via the UWB encrypted communication link in step 305 may also be accomplished, as shown in figure 5,
step 3053, obtaining an identification category to which the device identification belongs.
The identification category is used for representing the category of a merchant corresponding to the cash register, wherein the category of the merchant depends on the main business or the operating range of the merchant. Illustratively, the merchant category of the lodging service type merchant is different from that of the supermarket type merchant.
In this embodiment of the application, the payment device may search for an identifier category to which the device identifier belongs based on a correspondence between a preset device identifier stored in the payment device and a preset identifier category. The payment device can also send the device identifier to the cloud server, and then receives the identifier category fed back by the cloud server for the device identifier.
Step 3054, if the identification type is in accordance with the target type and the payment amount is less than the target payment amount corresponding to the target type, the payment code is sent to the collection device through the UWB encryption communication link, so that the collection device deducts the account corresponding to the payment code through the second UWB module.
Wherein, the identification category of the device identification is in accordance with the target category, which indicates that the payment device with the device identification has a specific temporary quota. Further, if the payment amount is smaller than the target payment amount corresponding to the target type, it indicates that the specific temporary amount is valid.
In the embodiment of the application, target payment amount corresponding to a target type is stored in the payment device or the cloud server in advance, if the payment device determines that the identification type of the device identification accords with the target type and the payment amount carried in the current payment request is smaller than the target payment amount corresponding to the target type, the payment code acquired by the payment device is sent to the collection device through the UWB encrypted communication link; in this way, although the payment amount carried in the payment request exceeds the general secret-free payment amount, the payment amount does not exceed the specific temporary amount of the payment device with the device identifier, and therefore, the temporary secret-free payment can be achieved no matter whether historical payment information exists between the payment device and the collection device or not.
In other embodiments of the present application, if the historical payment information represents that there is no payment service associated with the device identifier for the target number between the payment device and the payment receiving device, the second UWB module is authenticated; if the second UWB module passes the authentication, the payment code is sent to the collection device through the UWB encryption communication link.
Wherein, payment equipment authenticates the second UWB module, and is specific, and payment equipment authenticates the second UWB communication module of second UWB module through the first UWB communication module of first UWB module. Here, the authentication process may be understood as an authentication process of a digital certificate, which may be a user certificate issued by a certificate authority, and the digital certificate may include at least one of the following: user identification, user public key, certificate issuing time, certificate validity and the like; the authentication of the digital certificate and the key agreement process of the first UWB communication module and the second UWB communication module may adopt any encryption algorithm that can implement authentication and obtain a random key.
In the embodiment of the application, the payment device determines that at least one transaction payment service associated with the device identifier does not exist between the payment device and the collection device, the payment device authenticates and authenticates a digital certificate between a second UWB communication module of a second UWB module through a first UWB communication module of a first UWB module, if the payment device authenticates and authenticates the digital certificate of the second UWB communication module through the first UWB communication module, the collection device integrated with the second UWB module is judged to be safe and reliable collection device, and the payment device can send a payment code to the collection device through a UWB encrypted communication link; therefore, under the condition that the historical payment information is not stored between the payment device and the collection device, the authentication and authorization of the digital certificate can be carried out on the second UWB module in the collection device, so that the current password-free payment is realized after the collection device is judged to be safe and reliable.
It should be noted that, for the descriptions of the same steps and the same contents in this embodiment as those in other embodiments, reference may be made to the descriptions in other embodiments, which are not described herein again.
An embodiment of the present application provides a mobile payment method, which is applied to a payment device, and as shown in fig. 6, the method includes the following steps:
step 401, determining the number of the plurality of positioning devices searched by the global positioning system.
The global positioning system refers to a medium-distance circular orbit satellite navigation system which utilizes a navigation satellite to perform time measurement and distance measurement based on a satellite and a communication technology. The positioning device comprises a satellite.
As an example, the Global Positioning System (GPS) is a satellite System consisting of 24 satellites covering the world. It should be noted that the GPS needs to be located by satellite communication, and the accuracy of simultaneous communication and location of several satellites is higher. The search for satellites is a precondition for GPS positioning, and if the GPS cannot search for satellites, the GPS cannot work normally.
In the embodiment of the application, the payment device searches for a plurality of positioning devices based on a global positioning system, and further determines the number of the plurality of searched positioning devices.
Step 402, obtaining a carrier-to-noise ratio of each positioning device of the plurality of positioning devices.
Wherein, the carrier-to-noise ratio is used for measuring the quality and the strength of signals in communication.
In the embodiment of the application, after the payment device determines the number of the plurality of positioning devices, namely the plurality of satellites, searched by the global positioning system, the payment device also obtains the carrier-to-noise ratio of each satellite, and further determines the current network receiving rate, the network communication quality and the like of each satellite based on the carrier-to-noise ratio of each satellite.
Step 403, if the number is greater than the target threshold and each carrier-to-noise ratio is greater than the carrier-to-noise ratio threshold, determining a first position of the payment device through the global positioning system.
The target threshold may be a value preset in the payment device, and the target threshold may also be a value set in the payment device by the user in real time.
The carrier-to-noise ratio threshold may be a value preset in the payment device for a certain satellite based on a historical carrier-to-noise ratio of each satellite, or may be a value set in the payment device by a user in real time.
In the embodiment of the application, the payment equipment determines that the number of the positioning equipment is larger than a target threshold value, and the carrier-to-noise ratio of each positioning equipment is larger than a carrier-to-noise ratio threshold value, and then determines the first position of the payment equipment through a global positioning system; therefore, the first position of the payment equipment is accurately positioned based on the number of the positioning equipment and the carrier-to-noise ratio of each positioning equipment, and the phenomenon of misjudgment caused by inaccurate GPS positioning or false GPS positioning is avoided.
Step 404, determining a payment receiving device having a communication distance with the payment device within the target communication distance.
The target communication distance can be understood as a secure communication distance corresponding to the current position of the payment device. The communication distance may be understood as the distance between the current location of the payment device and the current location of the payment device.
Here, in one implementable payment scenario, as shown in fig. 7 and 8, the payment device determines 501 its first location by GPS; step 502, according to the first position, determining a first number of payment devices within a certain range from the payment device and positions of the payment devices through a wireless network and/or a cellular network; step 503, inquiring whether each device in the first amount of money collecting devices supports the UWB identification function and the UWB auxiliary payment function through the cloud server; if a receiving device supporting the UWB identification function and the UWB auxiliary payment function is inquired, the receiving device supporting the UWB identification function and the UWB auxiliary payment function is determined to be a receiving party capable of paying as a payment device in step 504.
Here, in the case where the payment apparatus determines that the payment apparatus supports the UWB recognition function and the UWB auxiliary payment function, the router hotspot identification of the merchant where each of the payment apparatuses is located is obtained from the cloud server. The payment device detects a router hot spot Received Signal Strength Indication (Rssi) with a router hot spot identifier through a first wireless communication module, and if the value of the Rssi is greater than a Signal Strength value preset by the payment device, the communication distance between the collection device and the payment device is determined to be within a target communication distance, at the moment, the communication distance is determined to be a spacing distance, and the target communication distance is determined to be a spacing distance range.
Step 405, establishing a UWB encrypted communication link between the first UWB module of the payment device and the second UWB module of the payment device.
Step 406 receives a target payment request from the second UWB module over the UWB encrypted communications link.
Step 407, responding to the target payment request, and sending the payment code to the collection device through the UWB encrypted communication link, so that the collection device deducts the account corresponding to the payment code through the second UWB module.
It should be noted that, for the descriptions of the same steps and the same contents in this embodiment as those in other embodiments, reference may be made to the descriptions in other embodiments, which are not described herein again.
An embodiment of the present application provides a mobile payment method, which is applied to a payment device, and as shown in fig. 9, the method includes the following steps:
step 601, transmitting ranging signals according to a bilateral two-way ranging algorithm through a first UWB module and a second UWB module when a channel is in an idle state.
The channel is used for the first UWB module and the second UWB module to transmit messages and/or data.
The DS-TWR algorithm may be that the payment device initiates a ranging signal, and the ranging signal is transmitted three times between the payment device and the payment apparatus to obtain two round-trip delay times, so as to measure a separation distance between the payment device and the payment apparatus at the payment device. The DS-TWR algorithm may also be that the payment device initiates a ranging signal, and the ranging signal is transmitted between the payment device and the payment apparatus four times, so as to obtain two round-trip delay times, and then the separation distance between the payment device and the payment apparatus is measured at the payment device.
In the embodiment of the application, the payment device acquires the UWB address of the second UWB module and the second UWB communication configuration on the cloud server through the wireless network and/or the cellular network. The payment device monitors the channel condition at regular intervals, such as every 1 second, through a first UWB communication module of a first UWB module, wherein the channel is a communication channel appointed by a second UWB communication configuration, such as Chanel5 and Chanel9, and if the channel is in an idle state, the payment device transmits a ranging signal to a UWB address of the second UWB module through the first UWB module according to a DS-TWR algorithm.
In one achievable payment scenario, as shown in fig. 10 and 11, the payment device listens that the channel is in an idle state through the first UWB communication module of the first UWB module, and the payment device initiates a ranging signal to the second UWB communication module of the second UWB module through the first UWB communication module of the first UWB module according to the DS-TWR algorithm so as to determine the separation distance between the payment device and the payment receiving device. Illustratively, the payment device initiates a ranging signal, and the ranging signal is transmitted by a message between the payment device and the payment apparatus three times, and two round-trip delay times are obtained, so that the distance between the payment device and the payment apparatus is measured at the payment device. It should be noted that, if the DS-TWR ranging procedure is successfully completed, the payment device measures the distance between the payment device and the payment receiving device, and meanwhile, the payment receiving device measures the distance between the payment device and the payment receiving device. If the DS-TWR ranging procedure fails, if the payment device cannot receive the reply Frame, the payment device continues to monitor the channel and repeatedly attempts to initiate a ranging request.
In other embodiments of the present application, as shown in fig. 12, the payment device monitors that the channel is in an idle state through the first UWB module, and the payment device may further initiate a ranging signal to the second UWB communication module of the second UWB module through the first UWB communication module of the first UWB module according to the SS-TWR algorithm, so as to determine the separation distance between the payment device and the payment receiving device. For example, the payment device initiates a ranging signal, and the ranging signal is transmitted twice between the payment device and the payment apparatus to obtain a round trip delay time, so that the distance between the payment device and the payment apparatus is measured at the payment device.
Step 602, obtaining the transmission time and transmission speed of the ranging signal in the transmission process.
In the embodiment of the application, the payment equipment acquires the transmission time and the transmission speed of the ranging signal in the channel transmission process. It should be noted that the transmission speed may be an actual speed of the ranging signal obtained by real-time detection in the channel transmission process, and the transmission speed may also be an optical speed, and the application is not particularly limited to the transmission speed of the ranging signal.
Here, as shown in fig. 11, the payment device initiates a ranging signal, and the payment receipt device responds to the ranging signal, while the payment device and the payment receipt device precisely record time stamp information of signal transmission and reception. Here, the payment apparatus delays a return signal for a fixed time after receiving the ranging signal transmitted by the payment apparatus for the first time, and at this time, the payment apparatus transmits a second signal immediately after receiving the signal transmitted by the payment apparatus. The time difference between the time of the return signal of the payment device and the time of receiving the ranging signal sent by the payment device for the first time is Treply1The difference between the time when the payment device receives the signal of the cash register and the time when the payment device sends the signal for the first time is Tround1. The time difference between the time when the signal is sent back by the cash register and the time when the signal sent by the payment device for the second time is received is Tround2The time difference between the time when the payment device receives the return signal of the cash register and the time when the payment device sends the signal for the second time is Treply2. Wherein, Tround1、Treply1、Tround2、Treply2Are all known quantities, the time of transmission of the ranging signal between the payment device and the payment device can be obtained by the following formula,
Figure BDA0002776833380000171
step 603, determining the separation distance based on the transmission time and the transmission speed.
In the embodiment of the application, the payment device multiplies the transmission time of the ranging signal by the transmission speed to determine the spacing distance between the payment device and the collection device.
It should be noted that the payment device may measure a first separation distance between the payment device and the payment receiving device based on the transmission time and the transmission speed, and the payment receiving device may also measure a second separation distance between the payment device and the payment receiving device based on the transmission time and the transmission speed. The separation distance includes a first separation distance and a second separation distance.
And step 604, if the spacing distance is within the spacing distance range, establishing a UWB encrypted communication link between the first UWB module of the payment device and the second UWB module of the cash register.
In the embodiment of the application, if the payment device determines that the first spacing distance is within the spacing distance range and the collection device determines that the second spacing distance is within the spacing distance range, the UWB encrypted communication link between the first UWB module of the payment device and the second UWB module of the collection device is established.
Step 605 receives a target payment request from the second UWB module via the UWB encrypted communication link.
Step 606, responding to the target payment request, sending the payment code to the collection device through the UWB encrypted communication link, so that the collection device deducts the account corresponding to the payment code through the second UWB module.
It should be noted that, for the descriptions of the same steps and the same contents in this embodiment as those in other embodiments, reference may be made to the descriptions in other embodiments, which are not described herein again.
An embodiment of the present application provides a mobile payment device, which may be applied to a mobile payment method provided in embodiments corresponding to fig. 1, 3 to 6, and 9, and as shown in fig. 13, the mobile payment device 13 includes:
a determining unit 1301, configured to determine a separation distance between the payment device and the payment receiving device;
the first processing unit 1302 is configured to establish a UWB encrypted communication link between a first UWB module of the payment device and a second UWB module of the payment device if the separation distance is within the separation distance range;
a receiving unit 1303, configured to receive a target payment request from the second UWB module through the UWB encrypted communication link;
and the second processing unit 1304 is configured to send a payment code to the collection device through the UWB encrypted communication link in response to the target payment request, so that the collection device deducts a payment from an account corresponding to the payment code through the second UWB module.
In other embodiments of the present application, the payment request carries an apparatus identifier of the receiving apparatus, and the second processing unit 1304 is further configured to respond to the payment request and obtain historical payment information associated with the apparatus identifier in a historical period; and if the historical payment information represents that the payment service associated with the equipment identifier exists between the payment equipment and the collection equipment for the target times, sending a payment code to the collection equipment through the UWB encrypted communication link.
In other embodiments of the present application, the payment request carries a payment amount, the target number of times is at least two, and the second processing unit 1304 is further configured to obtain a maximum payment amount in the payment service of the target number of times if the payment amount is greater than the payment amount threshold; and if the payment amount is less than or equal to the maximum payment amount, sending the payment code to the collection equipment through the UWB encrypted communication link.
In other embodiments of the present application, the second processing unit 1304 is further configured to authenticate the second UWB module if the historical payment information represents that there is no payment service associated with the device identifier for the target number between the payment device and the payment receiving device; and if the authentication is passed, sending the payment code to the cash register device through the UWB encrypted communication link.
In other embodiments of the present application, the payment request carries a payment amount, and the second processing unit 1304 is further configured to obtain an identifier category to which the device identifier belongs; and if the identification type accords with the target type and the payment amount is less than the target payment amount corresponding to the target type, sending the payment code to the collection equipment through the UWB encrypted communication link.
In other embodiments of the present application, the determining unit 1301 is further configured to determine the number of the plurality of positioning apparatuses searched by the global positioning system; the first processing unit 1302 is further configured to obtain a carrier-to-noise ratio of each positioning device in the multiple positioning devices; if the number is larger than the target threshold value and each carrier-to-noise ratio is larger than the carrier-to-noise ratio threshold value, determining a first position of the payment equipment through a global positioning system; the determining unit 1301 is further configured to determine a payment apparatus with a communication distance to the payment apparatus within the target communication distance.
In other embodiments of the present application, the first processing unit 1302 is further configured to transmit a ranging signal according to a two-sided two-way ranging algorithm through the first UWB module and the second UWB module when the channel is in an idle state; acquiring the transmission time and the transmission speed of the ranging signal in the transmission process; the determining unit 1301 is further configured to determine the separation distance based on the transmission time and the transmission speed.
The mobile payment device provided by the embodiment of the application determines the spacing distance between the payment equipment and the collection equipment; if the spacing distance is within the spacing distance range, establishing a UWB encryption communication link between a first UWB module of the payment device and a second UWB module of the collection device; receiving a payment request from a second UWB module through a UWB encrypted communication link; responding to the payment request, and sending the payment code to the collection equipment through the UWB encryption communication link so that the collection equipment deducts money from the account corresponding to the payment code through the second UWB module; therefore, as long as the spacing distance between the payment device and the collection device is within the spacing distance range, the non-contact payment between the payment device and the collection device can be realized through the UWB encrypted communication link, the user operation is reduced as much as possible, the payment rapidity and the payment efficiency are improved, and the payment safety is ensured.
It should be noted that, for the descriptions of the same steps and the same contents in this embodiment as those in other embodiments, reference may be made to the descriptions in other embodiments, which are not described herein again.
Based on the foregoing embodiments, an embodiment of the present application provides an electronic device, which may be applied to a mobile payment method provided in embodiments corresponding to fig. 1, 3 to 6, and 9, and as shown in fig. 14, the electronic device 14 (the electronic device 14 in fig. 14 corresponds to the mobile payment apparatus 13 in fig. 13) includes: a processor 1401, a memory 1402, and a communication bus 1403, wherein:
the communication bus 1403 is used to enable communication connections between the processor 1401 and the memory 1402;
processor 1401 is configured to execute a mobile payment program stored in memory 1402 to perform the steps of:
determining a separation distance between the payment device and the collection device;
if the spacing distance is within the spacing distance range, establishing a UWB encrypted communication link between a first UWB module of the payment equipment and a second UWB module of the collection equipment;
receiving a payment request from a second UWB module through a UWB encrypted communication link;
and responding to the payment request, and sending the payment code to the collection equipment through the UWB encryption communication link so that the collection equipment deducts money from the account corresponding to the payment code through the second UWB module.
In other embodiments of the present application, processor 1401 is configured to execute a mobile payment program stored in memory 1402 to perform the steps of:
responding to the payment request, and acquiring historical payment information associated with the equipment identifier in a historical period; and if the historical payment information represents that the payment service which is associated with the equipment identifier and has the target times exists between the payment equipment and the collection equipment, sending a payment code to the collection equipment through the UWB encrypted communication link.
In other embodiments of the present application, processor 1401 is configured to execute a mobile payment program stored in memory 1402 to implement the steps of:
if the payment amount is larger than the payment amount threshold value, acquiring the maximum payment amount in the payment services of the target times; and if the payment amount is less than or equal to the maximum payment amount, sending the payment code to the collection equipment through the UWB encrypted communication link.
In other embodiments of the present application, processor 1401 is configured to execute a mobile payment program stored in memory 1402 to perform the steps of:
if the historical payment information represents that the payment equipment and the collection equipment have no payment service related to the equipment identification for the target times, authenticating the second UWB module; and if the authentication is passed, sending the payment code to the cash register device through the UWB encrypted communication link.
In other embodiments of the present application, processor 1401 is configured to execute a mobile payment program stored in memory 1402 to perform the steps of:
acquiring an identification category to which the equipment identification belongs; and if the identification type accords with the target type and the payment amount is less than the target payment amount corresponding to the target type, sending the payment code to the collection equipment through the UWB encrypted communication link.
In other embodiments of the present application, processor 1401 is configured to execute a mobile payment program stored in memory 1402 to perform the steps of:
determining the number of a plurality of positioning devices searched by the global positioning system; acquiring a carrier-to-noise ratio of each positioning device in a plurality of positioning devices; if the number is larger than the target threshold value and each carrier-to-noise ratio is larger than the carrier-to-noise ratio threshold value, determining a first position of the payment equipment through a global positioning system; a checkout device is determined that is within a communication distance of the target communication distance from the payment device.
In other embodiments of the present application, processor 1401 is configured to execute a mobile payment program stored in memory 1402 to perform the steps of:
transmitting ranging signals according to a bilateral two-way ranging algorithm through a first UWB module and a second UWB module when a channel is in an idle state; acquiring the transmission time and the transmission speed of the ranging signal in the transmission process; the separation distance is determined based on the transmission time and the transmission speed.
According to the electronic equipment provided by the embodiment of the application, the distance between the payment equipment and the collection equipment is determined; if the spacing distance is within the spacing distance range, establishing a UWB encryption communication link between a first UWB module of the payment equipment and a second UWB module of the collection equipment; receiving a payment request from a second UWB module through a UWB encrypted communication link; responding to the payment request, and sending the payment code to the collection equipment through the UWB encryption communication link so that the collection equipment deducts money from the account corresponding to the payment code through the second UWB module; therefore, as long as the spacing distance between the payment device and the collection device is within the spacing distance range, the non-contact payment between the payment device and the collection device can be realized through the UWB encrypted communication link, the user operation is reduced as much as possible, the payment rapidity and the payment efficiency are improved, and the payment safety is ensured.
It should be noted that, for the descriptions of the same steps and the same contents in this embodiment as those in other embodiments, reference may be made to the descriptions in other embodiments, which are not described herein again.
Based on the foregoing embodiments, embodiments of the present application provide a computer storage medium storing one or more programs, the one or more programs being executable by one or more processors to implement the steps of:
determining a separation distance between the payment device and the collection device;
if the spacing distance is within the spacing distance range, establishing a UWB encrypted communication link between a first UWB module of the payment equipment and a second UWB module of the collection equipment;
receiving a payment request from a second UWB module through a UWB encrypted communication link;
and responding to the payment request, and sending the payment code to the collection equipment through the UWB encryption communication link so that the collection equipment deducts money from the account corresponding to the payment code through the second UWB module.
In other embodiments of the present application, the one or more programs are executable by the one or more processors and further implement the steps of:
responding to the payment request, and acquiring historical payment information associated with the equipment identifier in a historical period; and if the historical payment information represents that the payment service associated with the equipment identifier exists between the payment equipment and the collection equipment for the target times, sending a payment code to the collection equipment through the UWB encrypted communication link.
In other embodiments of the present application, the one or more programs are executable by the one or more processors and further implement the steps of:
if the payment amount is larger than the payment amount threshold value, acquiring the maximum payment amount in the payment services of the target times; and if the payment amount is less than or equal to the maximum payment amount, sending the payment code to the collection equipment through the UWB encrypted communication link.
In other embodiments of the present application, the one or more programs are executable by the one or more processors and further implement the steps of:
if the historical payment information represents that the payment equipment and the collection equipment have no payment service related to the equipment identification for the target times, authenticating the second UWB module; and if the authentication is passed, sending the payment code to the cash register device through the UWB encrypted communication link.
In other embodiments of the present application, the one or more programs are executable by the one or more processors and further implement the steps of:
acquiring an identification category to which the equipment identification belongs; and if the identification type accords with the target type and the payment amount is less than the target payment amount corresponding to the target type, sending the payment code to the collection equipment through the UWB encrypted communication link.
In other embodiments of the present application, the one or more programs are executable by the one or more processors and further implement the steps of:
determining the number of a plurality of positioning devices searched by the global positioning system; acquiring a carrier-to-noise ratio of each positioning device in a plurality of positioning devices; if the number is larger than the target threshold value and each carrier-to-noise ratio is larger than the carrier-to-noise ratio threshold value, determining a first position of the payment equipment through a global positioning system; a checkout device is determined that is within a communication distance of the target communication distance from the payment device.
In other embodiments of the present application, the one or more programs are executable by the one or more processors and further implement the steps of:
when the channel is in an idle state, transmitting a ranging signal through a first UWB module and a second UWB module according to a bilateral two-way ranging algorithm; acquiring the transmission time and the transmission speed of the ranging signal in the transmission process; the separation distance is determined based on the transmission time and the transmission speed.
It should be noted that, for the descriptions of the same steps and the same contents in this embodiment as those in other embodiments, reference may be made to the descriptions in other embodiments, which are not described herein again.
The computer storage medium/Memory may be a Read Only Memory (ROM), a Programmable Read Only Memory (PROM), an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a magnetic Random Access Memory (FRAM), a Flash Memory (Flash Memory), a magnetic surface Memory, an optical Disc, or a Compact Disc Read-Only Memory (CD-ROM); but may also be various terminals such as mobile phones, computers, tablet devices, personal digital assistants, etc., that include one or any combination of the above-mentioned memories.
In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. The above-described device embodiments are merely illustrative, for example, the division of a unit is only one logical function division, and there may be other division ways in actual implementation, such as: multiple units or components may be combined, or may be integrated into another system, or some features may be omitted, or not implemented. In addition, the coupling, direct coupling or communication connection between the components shown or discussed may be through some interfaces, and the indirect coupling or communication connection between the devices or units may be electrical, mechanical or other forms.
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, that is, 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, all functional units in the embodiments of the present application may be integrated into one processing module, or each unit may be separately regarded as one unit, or two or more units may be integrated into one unit; the integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional unit. Those of ordinary skill in the art will understand that: all or part of the steps for implementing the method embodiments may be implemented by hardware related to program instructions, and the program may be stored in a computer readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: various media that can store program codes, such as a removable Memory device, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
The methods disclosed in the several method embodiments provided in the present application may be combined arbitrarily without conflict to obtain new method embodiments.
The features disclosed in the several product embodiments presented in this application can be combined arbitrarily, without conflict, to arrive at new product embodiments.
The features disclosed in the several method or apparatus embodiments provided in the present application may be combined arbitrarily, without conflict, to arrive at new method embodiments or apparatus embodiments.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily think of the changes or substitutions within the technical scope of the present application, and shall be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims (10)

1. A mobile payment method, the method comprising:
determining a separation distance between the payment device and the collection device;
if the spacing distance is within the spacing distance range, establishing a UWB encrypted communication link between a first UWB module of the payment device and a second UWB module of the collection device;
receiving a payment request from the second UWB module over a UWB encrypted communications link;
and responding to the payment request, and sending a payment code to the collection device through the UWB encrypted communication link so that the collection device deducts the account corresponding to the payment code through the second UWB module.
2. The mobile payment method of claim 1, wherein the payment request carries a device identifier of the payment receiving device, and wherein sending a payment code to the payment receiving device over the UWB encrypted communication link in response to the payment request comprises:
responding to the payment request, and acquiring historical payment information associated with the equipment identification in a historical period;
and if the historical payment information represents that the payment service associated with the equipment identifier exists between the payment equipment and the collection equipment for the target times, the payment code is sent to the collection equipment through the UWB encrypted communication link.
3. The mobile payment method of claim 2, wherein the payment request carries a payment amount for at least two target times, and wherein sending the payment code to the payment device via the UWB encrypted communication link comprises:
if the payment amount is larger than a payment amount threshold value, acquiring the maximum payment amount in the payment services of the target times;
and if the payment amount is less than or equal to the maximum payment amount, sending the payment code to the collection device through the UWB encrypted communication link.
4. A mobile payment method as recited in claim 2, wherein after obtaining historical payment information associated with the device identification within a historical period, the method further comprises:
if the historical payment information represents that the payment service associated with the equipment identifier does not exist between the payment equipment and the collection equipment for the target times, authenticating the second UWB module;
and if the authentication is passed, the payment code is sent to the money receiving equipment through the UWB encrypted communication link.
5. A mobile payment method as claimed in claim 3 or 4, wherein the payment request carries a payment amount, and the sending of the payment code to the payment receiving device via the UWB encrypted communication link comprises:
acquiring an identification category to which the equipment identification belongs;
and if the identification type accords with the target type and the payment amount is less than the target payment amount corresponding to the target type, sending the payment code to the collection equipment through the UWB encrypted communication link.
6. A mobile payment method as claimed in any one of claims 1 to 4, wherein prior to determining the separation distance of the payment device from the payment device, the method further comprises:
determining the number of a plurality of positioning devices searched by the global positioning system;
acquiring a carrier-to-noise ratio of each of the plurality of positioning devices;
if the number is larger than a target threshold value and each carrier-to-noise ratio is larger than a carrier-to-noise ratio threshold value, determining a first position of the payment equipment through the global positioning system;
determining the checkout device having a communication distance with the payment device within a target communication distance.
7. A mobile payment method as claimed in any one of claims 1 to 4, wherein the determining the separation distance of the payment device from the payment device comprises:
transmitting ranging signals according to a bilateral two-way ranging algorithm through the first UWB module and the second UWB module when a channel is in an idle state;
acquiring the transmission time and the transmission speed of the ranging signal in the transmission process;
determining the separation distance based on the transmission time and the transmission speed.
8. A mobile payment device, the device comprising:
a determination unit for determining a separation distance between the payment apparatus and the payment apparatus;
the first processing unit is used for establishing a UWB encrypted communication link between a first UWB module of the payment device and a second UWB module of the collection device if the spacing distance is within the spacing distance range;
the receiving unit is used for receiving a target payment request from the second UWB module through a UWB encrypted communication link;
and the second processing unit is used for responding to the target payment request, sending a payment code to the collection device through the UWB encrypted communication link, so that the collection device deducts the account corresponding to the payment code through the second UWB module.
9. An electronic device, characterized in that the electronic device comprises: a processor, a memory, and a communication bus;
the communication bus is used for realizing communication connection between the processor and the memory;
the processor is configured to execute a mobile payment program stored in the memory to implement the mobile payment method of any one of claims 1 to 7.
10. A storage medium storing one or more programs, the one or more programs executable by one or more processors to implement a mobile payment method as claimed in any one of claims 1 to 7.
CN202011268425.2A 2020-11-13 2020-11-13 Mobile payment method, mobile payment device, electronic equipment and storage medium Pending CN114493579A (en)

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