CN114581068A - UWB-based payment method and device - Google Patents

UWB-based payment method and device Download PDF

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Publication number
CN114581068A
CN114581068A CN202111667218.9A CN202111667218A CN114581068A CN 114581068 A CN114581068 A CN 114581068A CN 202111667218 A CN202111667218 A CN 202111667218A CN 114581068 A CN114581068 A CN 114581068A
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uwb
terminal
payment
module
payment terminal
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狄刚
穆长春
赵新宇
郭建昌
崔沛东
王汀
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Digital Currency Institute of the Peoples Bank of China
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Digital Currency Institute of the Peoples Bank of China
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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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F9/00—Arrangements for program control, e.g. control units
    • G06F9/06—Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
    • G06F9/44—Arrangements for executing specific programs
    • G06F9/4401—Bootstrapping
    • G06F9/4418—Suspend and resume; Hibernate and awake
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D30/00—Reducing energy consumption in communication networks
    • Y02D30/70—Reducing energy consumption in communication networks in wireless communication networks

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

Abstract

The invention discloses a payment method and device based on UWB, and relates to the technical field of digital currency. One embodiment of the method comprises: establishing communication connection with the collection terminal through the UWB module of the payment terminal and the UWB module of the collection terminal; receiving order information and a receiver digital currency wallet address sent by the receiving terminal; wherein the order information includes a payment amount; generating a digital currency string according to the payment amount and the payee digital currency wallet address; and returning the digital currency string to the cash receiving terminal. This embodiment can reduce the requirement to the light and improve the payment convenience.

Description

UWB-based payment method and device
Technical Field
The invention relates to the technical field of digital currency, in particular to a payment method and device based on UWB.
Background
At present, the payment mode of a payment terminal is usually realized by code scanning payment, but the payment mode has high requirement on light, and a user is required to open a terminal interface during payment every time, so that the operation steps are complicated.
Disclosure of Invention
In view of this, embodiments of the present invention provide a payment method and apparatus based on UWB, so as to reduce the requirement for light and improve the payment convenience.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a UWB-based payment method applied to a payment terminal, including:
establishing communication connection with the collection terminal through the UWB module of the payment terminal and the UWB module of the collection terminal;
receiving order information and a receiver digital currency wallet address sent by the receiving terminal; wherein the order information includes a payment amount;
generating a digital currency string according to the payment amount and the payee digital currency wallet address;
and returning the digital currency string to the cash receiving terminal.
Optionally, establishing a communication connection with the payment terminal through the UWB module of the payment terminal and the UWB module of the payment terminal includes:
judging whether the angle and the distance between the UWB module of the payment terminal and the UWB module of the collection terminal meet preset conditions or not;
and if so, establishing communication connection between the UWB module of the payment terminal and the UWB module of the collection terminal so as to establish communication connection between the payment terminal and the collection terminal.
Optionally, before establishing a communication connection with the payee terminal through the UWB module of the payment terminal and the UWB module of the payee terminal, the method further includes:
receiving UWB wake-up operations submitted by a payer;
waking up the UWB module of the payment terminal.
Optionally, after waking up the UWB module of the payment terminal, the method further includes:
and sending a UWB awakening instruction to the collection terminal to awaken the UWB module of the collection terminal.
Optionally, the UWB wakeup operation submitted by the payer includes a voice wakeup operation and/or a touch wakeup operation.
In addition, according to another aspect of the embodiments of the present invention, there is provided a UWB-based payment method applied to a payee terminal, including:
establishing communication connection with the payment terminal through the UWB module of the collection terminal and the UWB module of the payment terminal;
sending order information and a payee digital currency wallet address to the payment terminal;
and receiving the generated digital currency string returned by the payment terminal.
Optionally, before establishing a communication connection with the payment terminal through the UWB module of the payment receiving terminal and the UWB module of the payment terminal, the method further includes:
receiving UWB (ultra wide band) awakening operation submitted by a payee, or receiving a UWB awakening instruction sent by the payment terminal;
and awakening the UWB module of the cash receiving terminal.
Optionally, the UWB wakeup operation submitted by the payee comprises a voice wakeup operation and/or a touch wakeup operation.
Optionally, establishing a communication connection with the payment terminal through the UWB module of the payment receiving terminal and the UWB module of the payment terminal includes:
judging whether the angle and the distance between the UWB module of the collection terminal and the UWB module of the payment terminal meet preset conditions or not;
if so, establishing communication connection between the UWB module of the collection terminal and the UWB module of the payment terminal so as to establish communication connection between the collection terminal and the payment terminal.
In addition, according to another aspect of an embodiment of the present invention, there is provided a UWB-based payment apparatus provided to a payment terminal, including:
the first communication module is used for establishing communication connection with the collection terminal through the UWB module of the payment terminal and the UWB module of the collection terminal;
the first receiving module is used for receiving the order information and the digital money wallet address of the receiver sent by the receiving terminal; wherein the order information includes a payment amount;
the payment module is used for generating a digital currency string according to the payment amount and the payee digital currency wallet address;
and the return module is used for returning the digital currency string to the cash receiving terminal.
Optionally, the first communication module is further configured to:
judging whether the angle and the distance between the UWB module of the payment terminal and the UWB module of the collection terminal meet preset conditions or not;
and if so, establishing communication connection between the UWB module of the payment terminal and the UWB module of the collection terminal so as to establish communication connection between the payment terminal and the collection terminal.
Optionally, the first communication module is further configured to:
receiving UWB awakening operation submitted by a payer before establishing communication connection with the collection terminal through the UWB module of the payment terminal and the UWB module of the collection terminal;
waking up the UWB module of the payment terminal.
Optionally, the first communication module is further configured to:
and after awakening the UWB module of the payment terminal, sending a UWB awakening instruction to a collection terminal so as to awaken the UWB module of the collection terminal.
Optionally, the UWB wakeup operation submitted by the payer includes a voice wakeup operation and/or a touch wakeup operation.
In addition, according to another aspect of the embodiments of the present invention, there is provided a UWB-based payment apparatus, provided at a payee terminal, including:
the second communication module is used for establishing communication connection with the payment terminal through the UWB module of the collection terminal and the UWB module of the payment terminal;
the sending module is used for sending order information and a payee digital currency wallet address to the payment terminal;
and the second receiving module is used for receiving the generated digital currency string returned by the payment terminal.
Optionally, the second communication module is further configured to:
before the UWB module of the collection terminal and the UWB module of the payment terminal establish communication connection with the payment terminal, UWB awakening operation submitted by a collection party is received, or UWB awakening instruction sent by the payment terminal is received;
and awakening the UWB module of the cash receiving terminal.
Optionally, the UWB wakeup operation submitted by the payee comprises a voice wakeup operation and/or a touch wakeup operation.
Optionally, the second communication module is further configured to:
judging whether the angle and the distance between the UWB module of the collection terminal and the UWB module of the payment terminal meet preset conditions or not;
if so, establishing communication connection between the UWB module of the collection terminal and the UWB module of the payment terminal so as to establish communication connection between the collection terminal and the payment terminal.
According to another aspect of the embodiments of the present invention, there is also provided an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors implement the method of any of the embodiments described above.
According to another aspect of the embodiments of the present invention, there is also provided a computer readable medium, on which a computer program is stored, which when executed by a processor implements the method of any of the above embodiments.
According to another aspect of the embodiments of the present invention, there is also provided a computer program product, including a computer program, which when executed by a processor, implements the method of any of the above embodiments.
One embodiment of the above invention has the following advantages or benefits: because the technical means that the communication connection is established between the payment terminal and the collection terminal through the UWB module and the digital currency payment is realized through the UWB communication connection is adopted, the technical problems of high light requirement and complicated payment operation steps in the prior art are solved. The embodiment of the invention realizes digital currency payment through UWB communication connection, can reduce the requirements on light compared with modes such as code scanning payment, and even can awaken a UWB module by directly adopting a preset UWB awakening mode without opening a payment terminal by a payer so as to finish payment, and has the advantages of high safety and convenient payment operation steps; moreover, even under the conditions of no network, weak network and busy network, the quick, safe and convenient payment can be realized.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. Wherein:
FIG. 1 is a schematic diagram of the main flow of a UWB-based payment method according to one embodiment of the invention;
fig. 2 is a block diagram of the construction of a payment terminal and a receipt terminal according to an embodiment of the present invention;
fig. 3 is a schematic diagram of a main flow of a UWB-based payment method according to a referential embodiment of the present invention;
FIG. 4 is a schematic diagram of the main flow of a UWB-based payment method according to another embodiment of the invention;
FIG. 5 is a schematic diagram of the main modules of a UWB-based payment device according to one embodiment of the invention;
fig. 6 is a schematic diagram of main blocks of a UWB-based payment apparatus according to another embodiment of the present invention;
FIG. 7 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 8 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of a main flow of a UWB-based payment method according to one embodiment of the present invention. As an embodiment of the present invention, as shown in fig. 1, the UWB-based payment method applied to a payment terminal may include:
and 101, establishing communication connection with the collection terminal through the UWB module of the payment terminal and the UWB module of the collection terminal.
UWB (Ultra Wide-Band, Ultra Wide Band wireless communication) is a carrier-free communication technology derived from a long-ago pulse communication technology, in which UWB uses not a carrier but a short energy pulse sequence and spreads pulses into a frequency range by orthogonal frequency division modulation or direct sequencing.
In 2002, the FCC (Federal Communications Commission, united states of america) approved that UWB radio can operate in the public communication band of 3.1GHz to 10.6GHz under strict restrictions, and has a frequency band of 7.5 GHz; in terms of radiated power, a level far lower than BLE/WiFi is defined, and the signal level is-41.3 dBm; and in the aspect of frequency spectrum, UWB is wider than BLE/WiFi. This strongly advances the development of UWB communications, with the consequent intense competition of various technical solutions around the formulation of international standards.
The UWB principle is Time Of Flight (TOF), and the distance between nodes is measured mainly by using the Time Of Flight Of a signal between two asynchronous transceivers (transceivers). Two-way time-of-flight (TW-TOF) each module generates a separate timestamp from start-up. The transmitter of module a transmits a pulse signal of the requested nature at Ta1 on its time stamp, and module B transmits a signal of the responsive nature at time Tb2, which is received by module a at its time stamp Ta2, whereby the time of flight of the pulse signal between the two modules can be calculated and the distance of flight S determined.
In the embodiment of the present invention, as shown in fig. 2, UWB modules are respectively installed at the payment terminal and the receipt terminal, and the payment terminal and the receipt terminal establish a communication connection through the respective UWB modules.
Optionally, step 101 may comprise: judging whether the angle and the distance between the UWB module of the payment terminal and the UWB module of the collection terminal meet preset conditions or not; and if so, establishing communication connection between the UWB module of the payment terminal and the UWB module of the collection terminal so as to establish communication connection between the payment terminal and the collection terminal. The payment terminal shows the information and the amount of money to be collected to a payer, the payer selects UWB payment on the payment terminal, the payment terminal enters a UWB payment mode, the payer points a UWB module of the payment terminal to a UWB module of the collection terminal, meanwhile, the payment terminal judges whether the angle and the distance between the UWB module of the payment terminal and the UWB module of the collection terminal meet preset conditions or not in real time, if so, the UWB module of the payment terminal is in communication connection with the UWB module of the collection terminal, and therefore the payment terminal is in communication connection with the collection terminal.
The payment terminal and the collection terminal complete accurate angle identification and distance judgment through the UWB module so that the payment terminal and the collection terminal establish UWB communication connection.
As shown in fig. 2, the payment terminal includes a POS for displaying the information and amount to be collected to the payer, and a UWB module for establishing a communication connection with the UWB module of the payment terminal. It should be noted that the POS device and the UWB module may be integrated or separated, and the embodiment of the present invention is not limited thereto.
Optionally, step 101 is preceded by: receiving UWB wake-up operations submitted by a payer; waking up the UWB module of the payment terminal. Generally speaking, the power of the payment terminal is limited, in order to save the power of the payment terminal, the UWB module is in a sleep state under the condition that the UWB communication connection is not required to be established, and when the communication connection is required to be established through the UWB, the UWB module is wakened through the UWB wakening module. As shown in fig. 2, the payment terminal includes a UWB wakeup module and a UWB module, and the UWB wakeup module receives a UWB wakeup operation submitted by the payment party and then wakes up the UWB module to place the payment terminal in a UWB payment mode.
Optionally, the UWB wakeup operation submitted by the payer may include a voice wakeup operation and/or a touch wakeup operation, and the payer may trigger the wakeup operation in a voice manner or in a touch manner. For example, the payer may wake up the UWB module by a custom button, such as a double click on a power key, or by voice customization. After the UWB module is awakened, the payer points the UWB module to the UWB module of the collection terminal and keeps a certain distance, and if the angle and the distance between the UWB module of the payment terminal and the UWB module of the collection terminal meet preset conditions, the UWB communication connection between the payment terminal and the collection terminal is established.
It should be noted that, if the power of the payee terminal is sufficient, the power of the payee terminal does not need to be considered, so the UWB module of the payee terminal may be in a working state all the time, and the operation of waking up the UWB module is omitted. However, if the power of the cash register terminal is insufficient, the UWB module may be in a sleep state to save the power of the cash register terminal.
Optionally, after waking up the UWB module of the payment terminal, the method further includes: and sending a UWB awakening instruction to the collection terminal to awaken the UWB module of the collection terminal. If the UWB module of the collection terminal is in a sleep state, after the UWB module of the payment terminal is awakened, the payment terminal can continuously send a UWB awakening instruction to the collection terminal, and the collection terminal awakens the UWB module after receiving the UWB awakening instruction sent by the payment terminal. In this embodiment, the payee terminal further includes a UWB wakeup module (not shown in fig. 2), and the UWB wakeup module of the payee terminal receives the UWB wakeup command and then wakes up the UWB module.
It should be noted that the UWB wakeup command may also be submitted by the payee, who submits the UWB wakeup command through the payee terminal, thereby waking up the UWB module to place the payee terminal in the UWB payment mode.
And 102, receiving order information and a payee digital currency wallet address sent by the cash receiving terminal. Wherein the order information includes a payment amount.
After the UWB communication connection is established between the payment terminal and the collection terminal, the collection terminal sends order information and a digital money wallet address of a collection party to the payment terminal, wherein the order information comprises collection amount and can also comprise collection party information, such as a collection party name, a collection party identifier and the like. As shown in fig. 2, the receiving terminal transmits order information and a receiving side digital money wallet address to the UWB module of the payment terminal through the UWB module.
Step 103, generating a digital currency string according to the payment amount and the payee digital currency wallet address.
As shown in fig. 2, after the UWB module of the payment terminal receives the payment amount and the payee digital money wallet address, the SE digital money wallet generates a digital money string according to the payment amount and the payee digital money wallet address.
It should be noted that the payment terminal can avoid secret payment and can prompt the payer to confirm payment. And if the order conforms to the password-free payment setting, generating a digital currency string directly according to the payment amount and the address of the digital currency wallet of the payee, and informing the payer in a voice mode or a text mode. If the payment operation needs to be confirmed, the payer authorizes the payment by inputting a password or a fingerprint or a voiceprint through the input box, and then the SE digital money wallet of the payment terminal generates a digital money string according to the payment amount and the address of the digital money wallet of the payee.
And 104, returning the digital currency string to the cash receiving terminal.
After the data currency string is generated, the payment terminal returns the digital currency string to the UWB module of the checkout terminal through the UWB module. And after receiving the digital currency string, the cash receiving terminal verifies the digital currency string and stores the digital currency string after the verification is passed. As shown in fig. 2, the SE digital money wallet of the payment terminal returns the digital money string to the SE digital money wallet of the collection terminal through the UWB module, and both parties complete the transaction confirmation.
According to the various embodiments, the technical means that the payment terminal and the collection terminal are in communication connection through the UWB module and digital currency payment is achieved through UWB communication connection is adopted in the embodiments of the invention, so that the technical problems that in the prior art, the requirement on light is high and the payment operation steps are complicated are solved. The embodiment of the invention realizes digital currency payment through UWB communication connection, can reduce the requirements on light compared with modes such as code scanning payment, and even can awaken a UWB module by directly adopting a preset UWB awakening mode without opening a payment terminal by a payer so as to finish payment, and has the advantages of high safety and convenient payment operation steps; moreover, even under the conditions of no network, weak network and busy network, the payment can be quickly, safely and conveniently realized.
Fig. 3 is a schematic diagram of a main flow of a UWB-based payment method according to a referential embodiment of the present invention. As still another embodiment of the present invention, as shown in fig. 3, the UWB-based payment method applied to a payment terminal may include:
step 301, receiving UWB wakeup operation submitted by a payer.
Optionally, the UWB wakeup operation submitted by the payer includes a voice wakeup operation and/or a touch wakeup operation. The UWB wakeup mode, such as a voice wakeup mode or a touch wakeup mode, may be preconfigured, and if the voice wakeup mode is the voice wakeup mode, the wakeup word may be preconfigured, and when the payment terminal receives the wakeup word, the UWB module of the payment terminal is woken up. If the mode is a touch wakeup mode, the UWB module can be awakened in a self-defined button mode, such as a mode of double-clicking a power key and the like.
Step 302, waking up the UWB module of the payment terminal.
The power of the payment terminal is limited, in order to save the power of the payment terminal, the UWB module is in a sleep state under the condition that UWB communication connection does not need to be established, and when the communication connection needs to be established through the UWB module, the UWB module is awakened through the UWB module.
Step 303, judging whether the angle and the distance between the UWB module of the payment terminal and the UWB module of the receipt terminal satisfy preset conditions; if yes, go to step 304; if not, the process is ended.
And 304, establishing communication connection between the UWB module of the payment terminal and the UWB module of the collection terminal so as to establish communication connection between the payment terminal and the collection terminal.
And 305, receiving order information and a payee digital currency wallet address sent by the cash receiving terminal. The order information comprises payment amount and payee information.
Step 306, generating a digital currency string according to the payment amount and the payee digital currency wallet address.
After the UWB module of the payment terminal receives the payment amount and the payee digital money wallet address, the SE digital money wallet generates a digital money string according to the payment amount and the payee digital money wallet address. The payment terminal can avoid secret payment and prompt the payer to confirm the payment. And if the order conforms to the password-free payment setting, generating a digital currency string directly according to the payment amount and the address of the digital currency wallet of the payee, and informing the payer in a voice mode or a text mode. If the payment operation needs to be confirmed, the payer authorizes the payment by inputting a password or a fingerprint or a voiceprint through the input box, and then the SE digital money wallet of the payment terminal generates a digital money string according to the payment amount and the address of the digital money wallet of the payee.
Step 307, returning the digital currency string to the checkout terminal.
After the data currency string is generated, the payment terminal returns the digital currency string to the UWB module of the checkout terminal through the UWB module. And after receiving the digital currency string, the cash receiving terminal verifies the digital currency string and stores the digital currency string after the verification is passed. As shown in fig. 2, the SE digital money wallet of the payment terminal returns the digital money string to the SE digital money wallet of the collection terminal through the UWB module, and both parties complete the transaction confirmation.
In addition, in one embodiment of the present invention, the detailed implementation of the UWB-based payment method is described in detail in the above-mentioned UWB-based payment method, and therefore, the repeated description is not repeated here.
Fig. 4 is a schematic diagram of a main flow of a UWB-based payment method according to another embodiment of the present invention. As another embodiment of the present invention, as shown in fig. 4, the UWB-based payment method is applied to a payee terminal, and may include:
step 401, establishing communication connection with the payment terminal through the UWB module of the collection terminal and the UWB module of the payment terminal.
As shown in fig. 2, the payment terminal and the payment receiving terminal are each equipped with a UWB module, and the payment terminal and the payment receiving terminal establish a communication connection through the respective UWB modules.
Optionally, before step 401, further comprising: receiving UWB (ultra wide band) awakening operation submitted by a payee, or receiving a UWB awakening instruction sent by the payment terminal; and awakening the UWB module of the cash receiving terminal. Optionally, the UWB wakeup operation submitted by the payee comprises a voice wakeup operation and/or a touch wakeup operation. In order to save the electric quantity of the money receiving terminal, the UWB module is in a sleep state under the condition that UWB communication connection does not need to be established, and when the communication connection needs to be established through the UWB, the UWB module is awakened through the UWB awakening module. The payee terminal may include a UWB wakeup module (not shown in fig. 2) and a UWB module, and the UWB wakeup module receives a UWB wakeup operation submitted by the payee or a UWB wakeup command transmitted from the payment terminal and then wakes up the UWB module to place the payee terminal in the UWB payment mode.
It should be noted that, if the power of the payee terminal is sufficient, the power of the payee terminal does not need to be considered, so the UWB module of the payee terminal may be in a working state all the time, and the operation of waking up the UWB module is omitted. However, if the power of the cash register terminal is insufficient, the UWB module may be in a sleep state to save the power of the cash register terminal.
Optionally, step 401 may comprise: judging whether the angle and the distance between the UWB module of the collection terminal and the UWB module of the payment terminal meet preset conditions or not; if so, establishing communication connection between the UWB module of the collection terminal and the UWB module of the payment terminal so as to establish communication connection between the collection terminal and the payment terminal. The collection terminal shows the information and the amount of money to be collected to a payer, the payer selects UWB payment on the payment terminal, the payment terminal enters a UWB payment mode, the payer points a UWB module of the payment terminal to a UWB module of the collection terminal, meanwhile, the collection terminal judges whether the angle and the distance between the UWB module of the payment terminal and the UWB module of the collection terminal meet preset conditions in real time, if so, the UWB module of the payment terminal and the UWB module of the collection terminal are in communication connection, and therefore the payment terminal and the collection terminal are in communication connection. Therefore, the payment terminal and the collection terminal complete accurate angle identification and distance judgment through the UWB module, so that the payment terminal and the collection terminal establish UWB communication connection.
It should be noted that, whether the angle and the distance between the UWB module of the payee terminal and the UWB module of the payment terminal satisfy the preset conditions may be determined by the UWB module of the payment terminal, and whether the angle and the distance between the UWB module of the payee terminal and the UWB module of the payment terminal satisfy the preset conditions may also be determined by the UWB module of the payee terminal.
Step 402, sending order information and a payee digital currency wallet address to the payment terminal.
After the UWB communication connection is established between the payment terminal and the collection terminal, the collection terminal sends order information and a digital money wallet address of a collection party to the payment terminal, wherein the order information comprises collection amount and can also comprise collection party information, such as a collection party name, a collection party identifier and the like. As shown in fig. 2, the receiving terminal transmits order information and a receiving side digital money wallet address to the UWB module of the payment terminal through the UWB module.
And step 403, receiving the generated digital currency string returned by the payment terminal.
As shown in fig. 2, after the UWB module of the payment terminal receives the payment amount and the payee digital money wallet address, the SE digital money wallet generates a digital money string according to the payment amount and the payee digital money wallet address. The payment terminal then returns the digital currency string to the UWB module of the checkout terminal via the UWB module.
And after receiving the digital currency string, the cash receiving terminal verifies the digital currency string and stores the digital currency string after the verification is passed. As shown in fig. 2, the SE digital money wallet of the payment terminal returns the digital money string to the SE digital money wallet of the collection terminal through the UWB module, and both parties complete the transaction confirmation.
In addition, in another embodiment of the present invention, the detailed implementation of the UWB-based payment method is described in detail in the above-mentioned UWB-based payment method, and therefore, the repeated description is not repeated here.
Fig. 5 is a schematic diagram of main blocks of a UWB-based payment apparatus according to an embodiment of the present invention. As shown in fig. 5, the UWB-based payment apparatus 500 is disposed at a payment terminal, and includes a first communication module 501, a first receiving module 502, a payment module 503, and a return module 504; the first communication module 501 is configured to establish a communication connection with the payment terminal through the UWB module of the payment terminal and the UWB module of the payment terminal; the first receiving module 502 is configured to receive the order information and the digital money wallet address of the receiving party sent by the receiving terminal; wherein the order information includes a payment amount; the payment module 503 is configured to generate a digital currency string according to the payment amount and the payee digital currency wallet address; the return module 504 is configured to return the digital currency string to the checkout terminal.
Optionally, the first communication module 501 is further configured to:
judging whether the angle and the distance between the UWB module of the payment terminal and the UWB module of the collection terminal meet preset conditions or not;
and if so, establishing communication connection between the UWB module of the payment terminal and the UWB module of the collection terminal so as to establish communication connection between the payment terminal and the collection terminal.
Optionally, the first communication module 501 is further configured to:
receiving UWB awakening operation submitted by a payer before establishing communication connection with the collection terminal through the UWB module of the payment terminal and the UWB module of the collection terminal;
waking up the UWB module of the payment terminal.
Optionally, the first communication module 501 is further configured to:
and after the UWB module of the payment terminal is awakened, sending an UWB awakening instruction to a collection terminal so as to awaken the UWB module of the collection terminal.
Optionally, the UWB wakeup operation submitted by the payer includes a voice wakeup operation and/or a touch wakeup operation.
It should be noted that, in the implementation of the UWB-based payment apparatus of the present invention, the details of the UWB-based payment method are already described in detail, and therefore, the repeated description is not repeated here.
Fig. 6 is a schematic diagram of main blocks of a UWB-based payment apparatus according to an embodiment of the present invention. As shown in fig. 6, the UWB-based payment apparatus 600 is disposed at a cash receiving terminal, and includes a second communication module 601, a sending module 602, and a second receiving module 603; the second communication module 601 is configured to establish a communication connection with the payment terminal through the UWB module of the payment terminal and the UWB module of the payment terminal; the sending module 602 is configured to send order information and a payee digital money wallet address to the payment terminal; the second receiving module 603 is configured to receive the generated digital currency string returned by the payment terminal.
Optionally, the second communication module 601 is further configured to:
before the UWB module of the collection terminal and the UWB module of the payment terminal establish communication connection with the payment terminal, UWB awakening operation submitted by a collection party is received, or UWB awakening instruction sent by the payment terminal is received;
and awakening the UWB module of the cash receiving terminal.
Optionally, the UWB wakeup operation submitted by the payee comprises a voice wakeup operation and/or a touch wakeup operation.
Optionally, the second communication module 601 is further configured to:
judging whether the angle and the distance between the UWB module of the collection terminal and the UWB module of the payment terminal meet preset conditions or not;
if so, establishing communication connection between the UWB module of the collection terminal and the UWB module of the payment terminal so as to establish communication connection between the collection terminal and the payment terminal.
It should be noted that, in the implementation of the UWB-based payment apparatus of the present invention, the details of the UWB-based payment method are already described in detail, and therefore, the repeated description is not repeated here.
Fig. 7 illustrates an exemplary system architecture 700 for a UWB-based payment method or UWB-based payment device to which embodiments of the present invention may be applied.
As shown in fig. 7, the system architecture 700 may include terminal devices 701, 702, 703, a network 704, and a server 705. The network 704 serves to provide a medium for communication links between the terminal devices 701, 702, 703 and the server 705. Network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 701, 702, 703 to interact with a server 705 over a network 704, to receive or send messages or the like. The terminal devices 701, 702, 703 may have installed thereon various communication client applications, such as a shopping-like application, a web browser application, a search-like application, an instant messaging tool, a mailbox client, social platform software, etc. (by way of example only).
The terminal devices 701, 702, 703 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 705 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 701, 702, 703. The background management server can analyze and process the received data such as the article information query request and feed back the processing result to the terminal equipment.
It should be noted that the UWB-based payment method provided by the embodiment of the present invention may be executed by the terminal devices 701, 702, and 703, and accordingly, the UWB-based payment apparatus may be disposed in the terminal devices 701, 702, and 703.
It should be understood that the number of terminal devices, networks, and servers in fig. 7 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 8, shown is a block diagram of a computer system 800 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU)801 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM803, various programs and data necessary for the operation of the system 800 are also stored. The CPU 801, ROM 802, and RAM803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.
The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program executes the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 801.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer programs according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems that perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes a first communication module, a first receiving module, a payment module, and a return module, where the names of the modules do not in some cases constitute a limitation on the module itself.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor comprises a second communication module, a sending module and a second receiving module, wherein the names of the modules do not in some way constitute a limitation of the modules themselves.
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, implement the method of: establishing communication connection with the collection terminal through the UWB module of the payment terminal and the UWB module of the collection terminal; receiving order information and a receiver digital currency wallet address sent by the receiving terminal; wherein the order information includes a payment amount; generating a digital currency string according to the payment amount and the address of the digital currency wallet of the payee; and returning the digital currency string to the cash receiving terminal.
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, implement the method of: establishing communication connection with the payment terminal through the UWB module of the collection terminal and the UWB module of the payment terminal; sending order information and a payee digital currency wallet address to the payment terminal; and receiving the generated digital currency string returned by the payment terminal.
As another aspect, an embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the method described in any of the above embodiments.
According to the technical scheme of the embodiment of the invention, because the technical means that the UWB module is used for establishing the communication connection between the payment terminal and the collection terminal and realizing the digital currency payment through the UWB communication connection is adopted, the technical problems of high light requirement and complicated payment operation steps in the prior art are solved. The embodiment of the invention realizes digital currency payment through UWB communication connection, can reduce the requirements on light compared with modes such as code scanning payment, and even can awaken a UWB module by directly adopting a preset UWB awakening mode without opening a payment terminal by a payer so as to finish payment, and has the advantages of high safety and convenient payment operation steps; moreover, even under the conditions of no network, weak network and busy network, the quick, safe and convenient payment can be realized.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (21)

1. A payment method based on UWB, applied to a payment terminal, comprising:
establishing communication connection with the collection terminal through the UWB module of the payment terminal and the UWB module of the collection terminal;
receiving order information and a receiver digital currency wallet address sent by the receiving terminal; wherein the order information includes a payment amount;
generating a digital currency string according to the payment amount and the payee digital currency wallet address;
and returning the digital currency string to the cash receiving terminal.
2. The method of claim 1, wherein establishing a communication connection with the payment terminal via the UWB module of the payment terminal and the UWB module of the payment terminal comprises:
judging whether the angle and the distance between the UWB module of the payment terminal and the UWB module of the collection terminal meet preset conditions or not;
and if so, establishing communication connection between the UWB module of the payment terminal and the UWB module of the collection terminal so as to establish communication connection between the payment terminal and the collection terminal.
3. The method as claimed in claim 1, wherein before establishing the communication connection with the payment terminal through the UWB module of the payment terminal and the UWB module of the payment terminal, further comprising:
receiving UWB wake-up operations submitted by a payer;
waking up the UWB module of the payment terminal.
4. The method of claim 3, wherein after waking up the UWB module of the payment terminal, further comprising:
and sending a UWB awakening instruction to the collection terminal to awaken the UWB module of the collection terminal.
5. The method of claim 3, wherein the UWB wake-up operations submitted by the payer include voice wake-up operations and/or touch wake-up operations.
6. A payment method based on UWB is characterized in that the payment method is applied to a cash collection terminal and comprises the following steps:
establishing communication connection with the payment terminal through the UWB module of the collection terminal and the UWB module of the payment terminal;
sending order information and a payee digital currency wallet address to the payment terminal;
and receiving the generated digital currency string returned by the payment terminal.
7. The method as claimed in claim 6, wherein before establishing the communication connection with the payment terminal through the UWB module of the payment receiving terminal and the UWB module of the payment terminal, further comprising:
receiving UWB (ultra wide band) awakening operation submitted by a payee, or receiving a UWB awakening instruction sent by the payment terminal;
and awakening the UWB module of the cash receiving terminal.
8. The method of claim 7, wherein the UWB wake-up operations submitted by the payee comprise voice wake-up operations and/or touch wake-up operations.
9. The method of claim 6, wherein establishing a communication connection with the payment terminal via the UWB module of the payee terminal and the UWB module of the payment terminal comprises:
judging whether the angle and the distance between the UWB module of the collection terminal and the UWB module of the payment terminal meet preset conditions or not;
if so, establishing communication connection between the UWB module of the collection terminal and the UWB module of the payment terminal so as to establish communication connection between the collection terminal and the payment terminal.
10. A payment apparatus based on UWB, characterized in that, set up in a payment terminal, includes:
the first communication module is used for establishing communication connection with the collection terminal through the UWB module of the payment terminal and the UWB module of the collection terminal;
the first receiving module is used for receiving the order information and the digital money wallet address of the receiver sent by the receiving terminal; wherein the order information includes a payment amount;
the payment module is used for generating a digital currency string according to the payment amount and the address of the digital currency wallet of the payee;
and the return module is used for returning the digital currency string to the cash receiving terminal.
11. The apparatus of claim 10, wherein the first communication module is further configured to:
judging whether the angle and the distance between the UWB module of the payment terminal and the UWB module of the collection terminal meet preset conditions or not;
and if so, establishing communication connection between the UWB module of the payment terminal and the UWB module of the collection terminal so as to establish communication connection between the payment terminal and the collection terminal.
12. The apparatus of claim 10, wherein the first communication module is further configured to:
receiving UWB awakening operation submitted by a payer before establishing communication connection with the collection terminal through the UWB module of the payment terminal and the UWB module of the collection terminal;
waking up the UWB module of the payment terminal.
13. The apparatus of claim 12, wherein the first communication module is further configured to:
and after awakening the UWB module of the payment terminal, sending a UWB awakening instruction to a collection terminal so as to awaken the UWB module of the collection terminal.
14. The apparatus of claim 12, wherein the payer submitted UWB wakeup operations include voice wakeup operations and/or touch wakeup operations.
15. The utility model provides a payment device based on UWB which characterized in that sets up in the collection terminal, includes:
the second communication module is used for establishing communication connection with the payment terminal through the UWB module of the collection terminal and the UWB module of the payment terminal;
the sending module is used for sending order information and a payee digital currency wallet address to the payment terminal;
and the second receiving module is used for receiving the generated digital currency string returned by the payment terminal.
16. The apparatus of claim 15, wherein the second communication module is further configured to:
before the UWB module of the collection terminal and the UWB module of the payment terminal establish communication connection with the payment terminal, UWB awakening operation submitted by a collection party is received, or UWB awakening instruction sent by the payment terminal is received;
and awakening the UWB module of the cash receiving terminal.
17. The apparatus of claim 16, wherein the UWB wakeup operation submitted by the payee comprises a voice wakeup operation and/or a touch wakeup operation.
18. The apparatus of claim 15, wherein the second communication module:
judging whether the angle and the distance between the UWB module of the collection terminal and the UWB module of the payment terminal meet preset conditions or not;
if so, establishing communication connection between the UWB module of the collection terminal and the UWB module of the payment terminal so as to establish communication connection between the collection terminal and the payment terminal.
19. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
the one or more programs, when executed by the one or more processors, implement the method of any of claims 1-9.
20. A computer-readable medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1-9.
21. A computer program product comprising a computer program, characterized in that the computer program realizes the method according to any of claims 1-9 when executed by a processor.
CN202111667218.9A 2021-12-31 2021-12-31 UWB-based payment method and device Pending CN114581068A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2023246069A1 (en) * 2022-06-20 2023-12-28 中国银联股份有限公司 Payment method and apparatus, and device and computer-readable storage medium

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2023246069A1 (en) * 2022-06-20 2023-12-28 中国银联股份有限公司 Payment method and apparatus, and device and computer-readable storage medium

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