CN210270975U - Safe and convenient charging terminal and payment system - Google Patents
Safe and convenient charging terminal and payment system Download PDFInfo
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- CN210270975U CN210270975U CN201921372727.7U CN201921372727U CN210270975U CN 210270975 U CN210270975 U CN 210270975U CN 201921372727 U CN201921372727 U CN 201921372727U CN 210270975 U CN210270975 U CN 210270975U
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Abstract
The application discloses safe convenient charging terminal and payment system belongs to the mobile payment field. The charging terminal includes: the device comprises a UWB module, a detection module, an authentication module and a payment module. The payment system includes: the charging terminal and the mobile terminal comprise: UWB module, authentication module and payment module. According to the method and the device, two-dimensional codes are not needed, the risk that the graphic codes are maliciously copied is avoided, and the risk that hackers remotely embezzle the graphic codes is avoided to the greatest extent by utilizing position information provided by UWB; the user is not required to take out and open the mobile phone to start the APP to aim at the charging terminal and then to perform the payment operation, a series of complex steps are omitted, automatic recognition payment is achieved, and safety and convenience of mobile payment are greatly improved.
Description
Technical Field
The application relates to the field of mobile payment, in particular to a safe and convenient charging terminal and a payment system.
Background
Mobile internet and AI (Artificial Intelligence) technologies are developing vigorously, and mobile payment has become more and more popular. The mobile payment technology of the mobile phone terminal at the present stage mainly comprises the following steps: two-dimensional code payment, NFC (near field communication) payment, face payment, and the like. Two-dimensional code payment is represented by payment treasure and WeChat payment, and a large market space is obtained in China. NFC payment is represented by apple Pay, Hua as Pay, Samsung Pay, millet Pay and the like, and certain user support is obtained.
The key focus of mobile payment is security and convenience. In the aspect of security, the two-dimensional code payment security is low, and the graphic code is easy to be maliciously copied and attacked by Trojan and other modes. NFC payment has promoted the security through increasing hardware chip, and is safer than the two-dimensional code, still can be cracked. In the aspect of rapidity, the two-dimensional code payment additionally needs to open WeChat or Paibao APP (application), and the NFC needs the mobile phone to be close to the card reader for swiping once. If the mobile phone is mounted on the body or in a bag, or both hands hold things, the mobile phone needs to be turned out first and then unlocked to open the corresponding APP to aim at the charging terminal for payment, so that the payment is slightly troublesome, and is not convenient and fast enough.
Therefore, both the two-dimensional code and the NFC have room for improvement and promotion, regardless of security or convenience.
SUMMERY OF THE UTILITY MODEL
It is an object of the present application to overcome the above problems or to at least partially solve or alleviate the above problems.
According to an aspect of the present application, there is provided a secure and convenient charging terminal, including:
a UWB module configured to set a fixed payment area based on a UWB ultra-wideband in advance;
a detection module configured to detect in real time that a mobile terminal enters the payment area, identifying the mobile terminal as a payment terminal;
an authentication module configured to authorize and securely authenticate payment with the mobile terminal;
a payment module configured to perform a charging operation on the mobile terminal or trigger the mobile terminal to perform a payment operation.
Optionally, the detection module is specifically configured to:
and detecting whether a mobile terminal enters the payment area or not through UWB real-time ranging or positioning, and if so, identifying the mobile terminal as the payment terminal.
Optionally, the authentication module is specifically configured to:
and carrying out authorization and security authentication of payment with the mobile terminal by utilizing a UWB link, a Bluetooth link or other encrypted data link.
Optionally, the charging terminal is:
a gate machine, a POS sale terminal machine or a mobile terminal with built-in UWB devices; or the like, or, alternatively,
a gate or POS equipped with an external UWB accessory; or the like, or, alternatively,
proprietary UWB devices.
According to yet another aspect of the present application, there is provided a secure and convenient payment system, including: the charging terminal is safe and convenient, and the mobile terminal is provided;
the mobile terminal includes:
a UWB module configured to communicate with the toll terminal based on UWB and to range or position;
an authentication module configured to authorize and securely authenticate payment with the toll terminal;
a payment module configured to perform a payment operation upon receiving the notification of the charging terminal.
Optionally, the authentication module of the mobile terminal is specifically configured to:
and carrying out authorization and security authentication of payment with the charging terminal by utilizing a UWB link, a Bluetooth link or other encrypted data link.
Optionally, the mobile terminal is a mobile phone, a smart band, a smart watch or a smart pendant with built-in UWB devices.
The above-mentioned technical scheme that this application provided sets up the fixed payment region of scope based on the UWB ultra wide band in advance through the charging terminal, and real-time detection has the mobile terminal to get into the payment region, discernment the mobile terminal is the payment terminal, with authorization and security certification that the mobile terminal paid carry out, right the mobile terminal carries out the charging operation, or triggers the mobile terminal carries out the payment operation, need not to use the two-dimensional code, has stopped the risk that graphic coding was maliciously duplicated, also need not the user and opens the cell-phone and starts APP and aim at the charging terminal and carry out the payment operation again, has left out a series of loaded down with trivial details steps, has realized automatic identification payment, has greatly improved the security and the convenience of mobile payment.
In addition, whether a mobile terminal enters a payment area or not is detected through UWB real-time ranging or positioning, and safety and convenience are further improved. UWB can both bring beneficial change for two dimensions of mobile payment safety and convenience, and some scenes have great appeal and imagination space.
The above and other objects, advantages and features of the present application will become more apparent to those skilled in the art from the following detailed description of specific embodiments thereof, taken in conjunction with the accompanying drawings.
Drawings
Some specific embodiments of the present application will be described in detail hereinafter by way of illustration and not limitation with reference to the accompanying drawings. The same reference numbers in the drawings identify the same or similar elements or components. Those skilled in the art will appreciate that the drawings are not necessarily drawn to scale. In the drawings:
FIG. 1 is a block diagram of a secure and convenient toll terminal according to one embodiment of the present application;
FIG. 2 is a schematic diagram of a payment scenario application according to another embodiment of the present application;
FIG. 3 is a block diagram of a secure and convenient payment system according to another embodiment of the present application;
FIG. 4 is a schematic diagram of a payment system application according to another embodiment of the present application.
Detailed Description
The application relates to an Ultra Wide Band (UWB) technology, which is a radio technology acknowledged in the industry to have the highest ranging and positioning accuracy, wherein the ranging accuracy is better than 10cm in a good environment, and the positioning accuracy is within 30 cm. UWB technology may be integrated into mobile terminals, such as mobile phones, for example, by using UWB devices built into mobile terminals to implement mobile terminals having UWB functionality. By utilizing the UWB technology, whether the mobile terminal enters an effective payment area or not can be identified, and payment can be automatically completed.
Fig. 1 is a block diagram of a secure and convenient charging terminal according to an embodiment of the present application. Referring to fig. 1, the charging terminal includes:
a UWB module 101 configured to set a fixed payment area based on a UWB ultra wide band in advance;
a detection module 102 configured to detect in real time that a mobile terminal enters a payment area, identifying the mobile terminal as a payment terminal;
an authentication module 103 configured to authorize and securely authenticate payment with the mobile terminal;
a payment module 104 configured to perform a charging operation on the mobile terminal or trigger the mobile terminal to perform a payment operation.
In this embodiment, in the first manner, performing the charging operation on the mobile terminal means that the charging terminal directly interacts with the background server through the network to actively deduct the fee from the mobile terminal, and the fee deduction process does not need the participation of the mobile terminal, and can be applied to a scenario where the mobile terminal has no network signal or a weak network signal. In the second mode, triggering the mobile terminal to execute the payment operation means that the mobile terminal interacts with the background server through the network without participation of a charging terminal to finish active payment.
In this embodiment, optionally, the detection module is specifically configured to:
and detecting whether a mobile terminal enters a payment area or not through UWB real-time ranging or positioning, and if so, identifying the mobile terminal as the payment terminal.
In this embodiment, optionally, the authentication module is specifically configured to:
and the authorization and the safety certification of payment are carried out with the mobile terminal by utilizing a UWB link, a Bluetooth link or other encrypted data links.
In this embodiment, optionally, the charging terminal specifically includes:
a gate machine, a POS sale terminal machine or a mobile terminal with built-in UWB devices; or the like, or, alternatively,
a gate or POS equipped with an external UWB accessory; or the like, or, alternatively,
proprietary UWB devices.
Wherein the proprietary UWB device may be a UWB base station or the like, and is not limited in particular.
FIG. 2 is a schematic diagram of a payment scenario application according to yet another embodiment of the present application. Referring to fig. 2, the scene is a charging scene of a subway entrance. The charging gate is a gate system with a UWB function, a user carries a mobile phone supporting the UWB technology, and when the user walks into the gate, the gate can measure the distance from the mobile phone to the gate based on the UWB in real time, so that whether the mobile phone enters a designated payment area or not is judged in real time. And if the mobile phone is determined to enter the payment area, automatically identifying the mobile phone as a payment terminal, performing authorization and security authentication of payment with the mobile phone, and then performing charging operation on the mobile phone or triggering the mobile phone to perform payment operation. The user does not need to take the mobile phone out of the pocket or the bag specially, and the mobile phone is not required to be brushed on the gate particularly even if the mobile phone is taken by hand. The user directly walks close to the gate, and the gate is automatically opened and the fee is deducted, so that the operation is very convenient and fast.
The above-mentioned charging terminal that this embodiment provided sets up the fixed payment region of scope through setting up the UWB ultra wide band in advance, and the real-time detection has the mobile terminal to get into the payment region, discernment the mobile terminal is the payment terminal, with the mobile terminal carries out the authorization and the safety certification of paying, right the mobile terminal carries out the charging operation, or triggers the mobile terminal carries out the payment operation, need not to use the two-dimensional code, has stopped the risk that graphic code was maliciously duplicated, also need not the user and opens the cell-phone and starts APP and aim at the charging terminal and carry out the payment operation again, has left out a series of loaded down with trivial details steps, has realized automatic identification payment, has greatly improved mobile payment's security and convenience. In addition, whether a mobile terminal enters a payment area is detected through UWB real-time ranging or positioning, meanwhile, the risk of remote embezzlement of hackers is stopped to the greatest extent by utilizing position information provided by UWB, and safety and convenience are further improved.
Fig. 3 is a block diagram of a secure and convenient payment system according to another embodiment of the present application. Referring to fig. 3, the payment system includes: the charging terminal 10 with safety and convenience provided by the above embodiment, and the mobile terminal 20;
wherein, this mobile terminal includes:
a UWB module 201 configured to communicate with a toll terminal based on UWB, and to range or position;
an authentication module 202 configured to authorize and securely authenticate payment with a toll terminal;
a payment module 203 configured to perform a payment operation upon receiving the notification of the charging terminal.
In this embodiment, optionally, the authentication module 202 of the mobile terminal is specifically configured to:
and the authorization and the safety certification of payment are carried out with the charging terminal by utilizing a UWB link, a Bluetooth link or other encrypted data links.
In this embodiment, optionally, mobile terminal is built-in cell-phone, intelligent bracelet, intelligent wrist-watch or the intelligence of having the UWB device and hangs weighing down.
FIG. 4 is a schematic diagram of a payment system application according to yet another embodiment of the present application. Referring to fig. 4, the system includes a UWB mobile terminal and a UWB charging terminal, which may be a UWB gate, a UWB POS machine, a UWB mobile terminal or other proprietary UWB device, and the like. The UWB may be implemented by using an external accessory or a built-in device, and is not particularly limited to the mobile terminal or the charging terminal. The UWB charging terminal performs ranging or positioning based on UWB, thereby executing charging operation or triggering mobile terminal payment after detecting that the UWB mobile terminal enters a payment area.
The above-mentioned system that this embodiment provided, through set up the fixed payment region of scope based on UWB ultra wide band in advance, real-time detection has the mobile terminal to get into the payment region, discernment the mobile terminal is payment terminal, with authorization and the safety certification that the mobile terminal paid, right the mobile terminal carries out the charging operation, or triggers the mobile terminal carries out the payment operation, need not to use the two-dimensional code, has stopped the graphic code by the risk of maliciously duplicating, also need not the user and opens the cell-phone and starts APP and aim at the charging terminal and carry out the payment operation again, has left out a series of loaded down with trivial details steps, has realized automatic identification payment, has greatly improved mobile payment's security and convenience. In addition, whether a mobile terminal enters a payment area is detected through UWB real-time ranging or positioning, meanwhile, the risk of remote embezzlement of hackers is stopped to the greatest extent by utilizing position information provided by UWB, and safety and convenience are further improved. UWB can both bring beneficial change for two dimensions of mobile payment safety and convenience, and some scenes have great appeal and imagination space.
The above description is only for the preferred embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered within 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 (7)
1. A safe and convenient charging terminal is characterized by comprising:
a UWB module configured to set a fixed payment area based on a UWB ultra-wideband in advance;
a detection module configured to detect in real time that a mobile terminal enters the payment area, identifying the mobile terminal as a payment terminal;
an authentication module configured to authorize and securely authenticate payment with the mobile terminal;
a payment module configured to perform a charging operation on the mobile terminal or trigger the mobile terminal to perform a payment operation.
2. The charging terminal of claim 1, wherein the detection module is specifically configured to:
and detecting whether a mobile terminal enters the payment area or not through UWB real-time ranging or positioning, and if so, identifying the mobile terminal as the payment terminal.
3. The charging terminal according to claim 1, wherein the authentication module is specifically configured to:
and carrying out payment authorization and security authentication with the mobile terminal by utilizing a UWB link or a Bluetooth link.
4. A charging terminal according to any of claims 1-3, characterized in that the charging terminal is:
a gate machine, a POS sale terminal machine or a mobile terminal with built-in UWB devices; or the like, or, alternatively,
a gate or POS equipped with an external UWB accessory; or the like, or, alternatively,
proprietary UWB devices.
5. A secure and convenient payment system, comprising: a secure, convenient and fast charging terminal according to any of claims 1-4, and a mobile terminal;
the mobile terminal includes:
a UWB module configured to communicate with the toll terminal based on UWB and to range or position;
an authentication module configured to authorize and securely authenticate payment with the toll terminal;
a payment module configured to perform a payment operation upon receiving the notification of the charging terminal.
6. The system according to claim 5, characterized in that the authentication module of the mobile terminal is specifically configured to:
and carrying out payment authorization and security authentication with the charging terminal by utilizing a UWB link or a Bluetooth link.
7. The system according to claim 5, wherein the mobile terminal is a mobile phone, a smart bracelet, a smart watch or a smart pendant with built-in UWB device.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201921372727.7U CN210270975U (en) | 2019-08-22 | 2019-08-22 | Safe and convenient charging terminal and payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201921372727.7U CN210270975U (en) | 2019-08-22 | 2019-08-22 | Safe and convenient charging terminal and payment system |
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| CN210270975U true CN210270975U (en) | 2020-04-07 |
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| CN201921372727.7U Active CN210270975U (en) | 2019-08-22 | 2019-08-22 | Safe and convenient charging terminal and payment system |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112819656A (en) * | 2020-12-31 | 2021-05-18 | 神思电子技术股份有限公司 | Smart catering implementation method based on UWB |
| CN114493579A (en) * | 2020-11-13 | 2022-05-13 | Oppo广东移动通信有限公司 | Mobile payment method, mobile payment device, electronic equipment and storage medium |
-
2019
- 2019-08-22 CN CN201921372727.7U patent/CN210270975U/en active Active
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114493579A (en) * | 2020-11-13 | 2022-05-13 | Oppo广东移动通信有限公司 | Mobile payment method, mobile payment device, electronic equipment and storage medium |
| CN112819656A (en) * | 2020-12-31 | 2021-05-18 | 神思电子技术股份有限公司 | Smart catering implementation method based on UWB |
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