TW201643790A - Electronic payment system with dual-band sound transmit technology and electronic payment method thereof - Google Patents
Electronic payment system with dual-band sound transmit technology and electronic payment method thereof Download PDFInfo
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Abstract
Description
本發明有關於一種電子交易系統以及電子交易方法，特別是有關於一種應用雙頻聲紋通訊技術之電子交易系統以及電子交易方法。 The invention relates to an electronic transaction system and an electronic transaction method, in particular to an electronic transaction system and an electronic transaction method using dual frequency voiceprint communication technology.
近年來，行動支付技術逐漸成熟，可分為線下(實體店面)支付與線上支付，而線下支付的常見方式係透過智慧型行動電話之電子產品進行無線傳輸以完成電子交易。然而電子交易系統所採用的傳輸方式需考慮傳輸速度及安全性。 In recent years, mobile payment technology has matured and can be divided into offline (physical storefront) payment and online payment. The common way of offline payment is to wirelessly transmit electronic products through smart mobile phones to complete electronic transactions. However, the transmission method adopted by the electronic transaction system needs to consider the transmission speed and security.
傳統的聲波通訊由於傳輸速度慢，難以在短時間內傳送大量資訊，也不能對聲波訊號進行加密，故不適合應用在需要兼顧速度及安全性的電子交易系統中。而應用藍牙通訊、Wi-Fi、3G或4G方式的無線電信傳輸的電子交易系統，雖可以兼顧傳輸速度與安全性，但要面臨交 易雙方各自的電子裝置之間不會自動配對的問題，造成雙方在進行電子交易之前先須透過手動輸入配對密碼的繁複認證方式來建立電子裝置之間的連線，使得電子交易的便利性便大打折扣。另外，為了達成電子裝置之間連線與資訊傳輸，電子裝置尚需要配有額外的通訊用硬體(例如：藍牙晶片、NFC晶片或特定傳輸設備)才能使用無線電信傳輸進行電子交易，因此未配置的機型或是雙方之間的通訊規格無法搭配時，便無法使用這些無線電信技術，這將造成電子交易無法進行。 Traditional acoustic communication is difficult to transmit a large amount of information in a short period of time due to its slow transmission speed, and it cannot encrypt the acoustic signal. Therefore, it is not suitable for use in an electronic transaction system that requires both speed and security. The electronic trading system using Bluetooth communication, Wi-Fi, 3G or 4G wireless telecommunication transmission can balance the transmission speed and security, but it must face the handover. The problem of automatic matching between the electronic devices of the two parties is that the two parties must establish a connection between the electronic devices by manually inputting the passwords of the pairing passwords before electronic transactions, so that the convenience of electronic transactions is facilitated. Great discount. In addition, in order to achieve the connection between the electronic devices and the information transmission, the electronic device still needs to be equipped with additional communication hardware (for example: Bluetooth chip, NFC chip or specific transmission device) to use the wireless telecommunication transmission for electronic transactions, so When the configured model or the communication specifications between the two parties cannot be matched, these wireless telecommunication technologies cannot be used, which will make the electronic transaction impossible.
因此，為解決上述問題，本發明的目的即在提供一種應用雙頻聲紋通訊技術之電子交易系統以及其電子交易方法，能便利地執行電子交易，並且兼顧傳輸速度及安全性。 Therefore, in order to solve the above problems, an object of the present invention is to provide an electronic transaction system using dual-frequency voiceprint communication technology and an electronic transaction method thereof, which can conveniently perform electronic transactions and take into consideration transmission speed and security.
本發明為解決習知技術之問題所採用之技術手段係提供一種應用雙頻聲紋通訊技術之電子交易系統，其包含一客戶端電子裝置、一銷售端電子裝置以及一網路伺服器。其中客戶端電子裝置包含一客戶端雙頻聲紋通訊模組與一客戶端處理模組。客戶端雙頻聲紋通訊模組訊號連接客戶端處理模組，客戶端雙頻聲紋通訊模組收發一高頻聲紋載波，此高頻聲紋載波載有一第一電子交易資訊。再者，銷售端電子裝置包含一銷售端雙頻聲紋通訊模組與一銷售端處理模組。其中銷售端雙頻聲紋通訊模組訊號連接 銷售端處理模組，且銷售端雙頻聲紋通訊模組收發高頻聲紋載波。至於網路伺服器則透過網路連接客戶端電子裝置與銷售端電子裝置。此外，客戶端電子裝置與銷售端電子裝置係透過客戶端雙頻聲紋通訊模組與銷售端雙頻聲紋通訊模組之間執行一雙頻聲紋通訊傳輸而通訊連接。而在客戶端雙頻聲紋通訊模組與銷售端雙頻聲紋通訊模組之間所執行的雙頻聲紋通訊傳輸中，客戶端電子裝置及銷售端電子裝置會取得共同之一加密金鑰。銷售端電子裝置依據加密金鑰將第一電子交易資訊予以加密，並將加密後的第一電子交易資訊傳輸至客戶端電子裝置，以由客戶端電子裝置依據加密金鑰對加密後的第一電子交易資訊進行解碼，並回傳一確認訊號至銷售端電子裝置。客戶端電子裝置或銷售端電子裝置可經由網路傳送第一電子交易資訊至網路伺服器。 The technical means adopted by the present invention to solve the problems of the prior art provides an electronic transaction system using dual-frequency voiceprint communication technology, which comprises a client electronic device, a sales-end electronic device and a network server. The client electronic device includes a client dual-frequency voiceprint communication module and a client processing module. The client dual-frequency voiceprint communication module signal is connected to the client processing module, and the client dual-frequency voiceprint communication module sends and receives a high-frequency voiceprint carrier, and the high-frequency voiceprint carrier carries a first electronic transaction information. Furthermore, the sales-end electronic device includes a sales-end dual-frequency voiceprint communication module and a sales-end processing module. The sales terminal dual-frequency voiceprint communication module signal connection The sales side processing module, and the sales side dual-frequency voiceprint communication module sends and receives high-frequency voiceprint carriers. As for the web server, the client electronic device and the sales terminal electronic device are connected through the network. In addition, the client electronic device and the sales terminal electronic device communicate through a dual-frequency voiceprint communication module between the client and the dual-frequency voiceprint communication module at the sales terminal to perform a dual-frequency voiceprint communication transmission. In the dual-frequency voiceprint communication transmission between the client dual-frequency voiceprint communication module and the sales-side dual-frequency voiceprint communication module, the client electronic device and the sales-end electronic device will obtain one of the common encryption gold. key. The sales terminal electronic device encrypts the first electronic transaction information according to the encryption key, and transmits the encrypted first electronic transaction information to the client electronic device, so that the encrypted electronic key device encrypts the first one according to the encryption key pair. The electronic transaction information is decoded and a confirmation signal is sent back to the sales terminal electronic device. The client electronic device or the sales terminal electronic device can transmit the first electronic transaction information to the network server via the network.
藉此，本發明的電子交易系統可透過雙頻聲紋通訊技術傳輸加密的第一電子交易資訊，能便利地執行電子交易，並且兼顧傳輸速度以及安全性。 Thereby, the electronic transaction system of the present invention can transmit the encrypted first electronic transaction information through the dual-frequency voiceprint communication technology, can conveniently perform the electronic transaction, and takes into consideration the transmission speed and security.
在本發明的一實施例中係提供一種應用雙頻聲紋通訊技術之電子交易系統，其中前述之加密金鑰係由客戶端電子裝置或銷售端電子裝置任一方產生並傳送至另一方，或者由客戶端電子裝置與銷售端電子裝置雙方共同產生。 In an embodiment of the present invention, an electronic transaction system using dual-frequency voiceprint communication technology is provided, wherein the foregoing encryption key is generated by one of a client electronic device or a sales-end electronic device and transmitted to another party, or It is generated by both the client electronic device and the sales terminal electronic device.
在本發明的一實施例中係提供一種應用雙頻聲紋通訊技術之電子交易系統，其可包含一金流伺服器。此 金流伺服器透過網路連接網路伺服器，其可用以進行交易支付處理。 In an embodiment of the invention, an electronic transaction system using dual frequency voiceprint communication technology is provided, which may include a gold flow server. this The Golden Streaming Server connects to the web server through the network, which can be used for transaction payment processing.
在本發明的一實施例中係提供一種應用雙頻聲紋通訊技術之電子交易系統，其中前述之銷售端電子裝置之第一電子交易資訊係由客戶端電子裝置所產生，並傳輸至銷售端電子裝置。 In an embodiment of the present invention, an electronic transaction system using dual-frequency voiceprint communication technology is provided, wherein the first electronic transaction information of the aforementioned sales terminal electronic device is generated by the client electronic device and transmitted to the sales terminal. Electronic device.
在本發明的一實施例中係提供一種應用雙頻聲紋通訊技術之電子交易系統，其中前述之銷售端電子裝置可包含一展示構件。而銷售端雙頻聲紋通訊模組之發送構件可通過音源線而延伸設置於展示構件上。 In an embodiment of the invention, an electronic transaction system using dual frequency voiceprint communication technology is provided, wherein the aforementioned sales terminal electronic device can include a display component. The transmitting component of the sales-end dual-frequency voiceprint communication module can be extended on the display member through the audio source line.
本發明為解決習知技術之問題所採用之另一技術手段係提供一種應用雙頻聲紋通訊技術之電子交易方法，其用於一應用雙頻聲紋通訊技術之電子交易系統。其中應用雙頻聲紋通訊技術之電子交易系統包含客戶端電子裝置、銷售端電子裝置以及網路伺服器。其中客戶端電子裝置與銷售端電子裝置係透過客戶端雙頻聲紋通訊模組與銷售端雙頻聲紋通訊模組之間執行一雙頻聲紋通訊傳輸而通訊連接。客戶端電子裝置或銷售端電子裝置係透過網路連接網路伺服器。此外，應用雙頻聲紋通訊技術之電子交易方法包含聲波交握步驟、加密傳輸步驟以及確認付款步驟。聲波交握步驟係利用客戶端電子裝置及銷售端電子裝置取得共同之一加密金鑰。而加密傳輸步驟係利用銷售端電子裝置依據加密金鑰將第一電子交易資訊予以加密，並將加密後的第一電子交易資訊傳輸至客戶端電子裝置。另 外，確認付款步驟係利用客戶端電子裝置依據加密金鑰對加密後的第一電子交易資訊進行解碼，並回傳一確認訊號至銷售端電子裝置。客戶端電子裝置或銷售端電子裝置透過網路傳送第一電子交易資訊至網路伺服器。 Another technical means for solving the problems of the prior art is to provide an electronic transaction method using dual-frequency voiceprint communication technology for an electronic transaction system using dual-frequency voiceprint communication technology. The electronic transaction system using dual-frequency voiceprint communication technology includes client electronic devices, sales-side electronic devices, and network servers. The client electronic device and the sales terminal electronic device communicate with each other through a dual-frequency voiceprint communication module of the client and a dual-frequency voiceprint communication module at the sales terminal. The client electronic device or the sales terminal electronic device connects to the network server through the network. In addition, an electronic transaction method using dual-frequency voiceprint communication technology includes a sonic handshake step, an encrypted transmission step, and a confirmation payment step. The sonic handshake step uses the client electronic device and the sales terminal electronic device to obtain one of the common encryption keys. The encrypted transmission step uses the sales terminal electronic device to encrypt the first electronic transaction information according to the encryption key, and transmits the encrypted first electronic transaction information to the client electronic device. another In addition, the confirmation payment step uses the client electronic device to decode the encrypted first electronic transaction information according to the encryption key, and returns a confirmation signal to the sales terminal electronic device. The client electronic device or the sales terminal electronic device transmits the first electronic transaction information to the network server through the network.
藉此，本發明的電子交易方法可透過雙頻聲紋通訊技術傳輸加密的第一電子交易資訊，不但能便利地執行電子交易，還可兼顧傳輸速度以及安全性。 Thereby, the electronic transaction method of the present invention can transmit the encrypted first electronic transaction information through the dual-frequency voiceprint communication technology, which not only can conveniently perform electronic transactions, but also can cope with transmission speed and security.
在本發明的一實施例中係提供一種應用雙頻聲紋通訊技術之電子交易方法，其中前述之加密金鑰係由客戶端電子裝置或銷售端電子裝置任一方產生並傳送至另一方，或者由客戶端電子裝置與銷售端電子裝置雙方共同產生。 In an embodiment of the present invention, an electronic transaction method using dual-frequency voiceprint communication technology is provided, wherein the foregoing encryption key is generated by one of a client electronic device or a sales-end electronic device and transmitted to another party, or It is generated by both the client electronic device and the sales terminal electronic device.
在本發明的一實施例中係提供一種應用雙頻聲紋通訊技術之電子交易方法，其中前述之聲波交握步驟係由客戶端電子裝置發送一隨機碼至銷售端電子裝置之後，銷售端電子裝置依據隨機碼產生加密金鑰，再回傳加密金鑰至客戶端電子裝置進行確認。 In an embodiment of the present invention, an electronic transaction method using dual-frequency voiceprint communication technology is provided, wherein the aforementioned acoustic wave handshake step is performed after the client electronic device sends a random code to the sales terminal electronic device, and the sales terminal electronic The device generates an encryption key according to the random code, and then returns the encryption key to the client electronic device for confirmation.
在本發明的一實施例中係提供一種應用雙頻聲紋通訊技術之電子交易方法，其中前述之聲波交握步驟係利用客戶端雙頻聲紋通訊模組與銷售端雙頻聲紋通訊模組收發一高頻聲紋載波，而隨機碼載於高頻聲紋載波上傳輸。 In an embodiment of the present invention, an electronic transaction method using dual-frequency voiceprint communication technology is provided, wherein the aforementioned acoustic wave handshake step utilizes a client dual-frequency voiceprint communication module and a sales-end dual-frequency voiceprint communication module. The group transmits and receives a high frequency voiceprint carrier, and the random code is transmitted on the high frequency voiceprint carrier.
在本發明的一實施例中係提供一種應用雙頻聲紋通訊技術之電子交易方法，其中前述之聲波交握步驟係 由銷售端電子裝置發送一隨機碼至客戶端電子裝置之後，客戶端電子裝置依據隨機碼產生加密金鑰，再回傳加密金鑰至銷售端電子裝置進行確認。 In an embodiment of the invention, an electronic transaction method using dual-frequency voiceprint communication technology is provided, wherein the aforementioned acoustic wave handshake step is After the random electronic code is sent by the sales terminal electronic device to the client electronic device, the client electronic device generates an encryption key according to the random code, and then returns the encryption key to the sales electronic device for confirmation.
在本發明的一實施例中係提供一種應用雙頻聲紋通訊技術之電子交易方法，其中前述之加密傳輸步驟係由客戶端電子裝置及銷售端電子裝置分別使用至少兩種不同頻段之高頻聲紋載波。 In an embodiment of the present invention, an electronic transaction method using dual-frequency voiceprint communication technology is provided, wherein the encrypted transmission step is performed by using a high-frequency voiceprint of at least two different frequency bands by a client electronic device and a sales-end electronic device, respectively. Carrier.
經由本發明所採用之技術手段，客戶端及銷售端之間透過雙頻聲紋通訊技術能夠在極短的時間內完成電子裝置之連線並藉以傳輸經加密之第一電子交易資訊。再者，本發明的雙頻聲紋通訊模組係可在行動電話的收音器和揚聲器之基本的音訊硬體配備下進行，而無須額外搭載特殊的通訊用硬體。因此，本發明能夠適用於絕大多數的電子裝置，從而提供買賣雙方以最便利的方式自動完成電子交易，並同時兼顧傳輸速度以及高安全性。 Through the technical means adopted by the present invention, the dual-frequency voiceprint communication technology between the client and the sales terminal can complete the connection of the electronic device and transmit the encrypted first electronic transaction information in a very short time. Furthermore, the dual-frequency voiceprint communication module of the present invention can be carried out under the basic audio hardware of the radio and the speaker of the mobile phone without additional special communication hardware. Therefore, the present invention can be applied to most electronic devices, thereby providing buyers and sellers with automatic completion of electronic transactions in the most convenient manner, while at the same time taking into consideration the transmission speed and high security.
100、100a‧‧‧應用雙頻聲紋通訊技術之電子交易系統 100, 100a‧‧‧Electronic trading system using dual-frequency voiceprint communication technology
1‧‧‧客戶端電子裝置 1‧‧‧Client electronic device
11‧‧‧客戶端雙頻聲紋通訊模組 11‧‧‧Client dual-frequency voiceprint communication module
12‧‧‧客戶端處理模組 12‧‧‧Client Processing Module
2、2a‧‧‧銷售端電子裝置 2, 2a‧‧‧Sale-end electronic devices
21‧‧‧銷售端雙頻聲紋通訊模組 21‧‧‧Sale-end dual-frequency voiceprint communication module
211‧‧‧發送構件 211‧‧‧Send component
213‧‧‧音源線 213‧‧‧ audio source line
200‧‧‧應用雙頻聲紋通訊技術之電子交易方法 200‧‧‧Electronic transaction method using dual-frequency voiceprint communication technology
S11‧‧‧聲波交握步驟 S11‧‧‧Sonic handshake step
S111‧‧‧發送隨機碼子步驟 S111‧‧‧Send random code substeps
S112‧‧‧產生加密金鑰子步驟 S112‧‧‧ Generate encryption key substeps
S12‧‧‧加密傳輸步驟 S12‧‧‧Encryption transmission steps
S121‧‧‧加密資訊子步驟 S121‧‧‧Encryption information substep
S122‧‧‧傳輸資訊子步驟 S122‧‧‧Transfer information substep
S13‧‧‧確認付款步驟 S13‧‧‧ Confirm payment steps
22‧‧‧銷售端處理模組 22‧‧‧Sale-end processing module
23‧‧‧展示構件 23‧‧‧Display components
24‧‧‧銷售端電子模組 24‧‧‧Sales electronic module
3‧‧‧網路伺服器 3‧‧‧Web server
4‧‧‧金流伺服器 4‧‧‧Gold Streaming Server
S131‧‧‧解密資訊子步驟 S131‧‧‧Decryption information substep
S132‧‧‧回傳確認訊號子步驟 S132‧‧‧Return confirmation signal substep
S133‧‧‧傳送相關資訊子步驟 S133‧‧‧Transfer related information sub-steps
第1圖係繪示根據本發明一實施例的應用雙頻聲紋通訊技術之電子交易系統的方塊圖。 1 is a block diagram showing an electronic transaction system using dual-frequency voiceprint communication technology according to an embodiment of the present invention.
第2圖係繪示根據本發明一實施例的應用雙頻聲紋通訊技術之電子交易方法的流程圖。 2 is a flow chart showing an electronic transaction method using dual-frequency voiceprint communication technology according to an embodiment of the invention.
第3圖係繪示根據本發明一實施例的應用雙頻聲紋通訊技術之電子交易系統的示意圖。 3 is a schematic diagram of an electronic transaction system using dual-frequency voiceprint communication technology according to an embodiment of the invention.
以下將參照圖式說明本發明之複數個實施例。為明確說明起見，許多實務上的細節將在以下敘述中一併說明。然而，應瞭解到，這些實務上的細節不應用以限制本發明。也就是說，在本發明部分實施例中，這些實務上的細節是非必要的。此外，為簡化圖式起見，一些習知慣用的結構與元件在圖式中將以簡單示意的方式繪示之；並且重複之元件將可能使用相同的編號表示之。 Hereinafter, a plurality of embodiments of the present invention will be described with reference to the drawings. For the sake of clarity, many practical details will be explained in the following description. However, it should be understood that these practical details are not intended to limit the invention. That is, in some embodiments of the invention, these practical details are not necessary. In addition, some of the conventional structures and elements are illustrated in the drawings in a simplified schematic manner, and the repeated elements may be represented by the same reference numerals.
請參閱第1圖，第1圖係繪示根據本發明一實施例的應用雙頻聲紋通訊技術之電子交易系統100之方塊圖。此應用雙頻聲紋通訊技術之電子交易系統100包含客戶端電子裝置1、銷售端電子裝置2、網路伺服器3以及金流伺服器4。 Please refer to FIG. 1. FIG. 1 is a block diagram of an electronic transaction system 100 for applying dual-frequency voiceprint communication technology according to an embodiment of the invention. The electronic transaction system 100 for applying dual-frequency voiceprint communication technology includes a client electronic device 1, a sales terminal electronic device 2, a network server 3, and a golden stream server 4.
客戶端電子裝置1具有客戶端雙頻聲紋通訊模組11以及客戶端處理模組12。客戶端雙頻聲紋通訊模組11訊號連接客戶端處理模組12，且客戶端雙頻聲紋通訊模組11收發一高頻聲紋載波，此高頻聲紋載波為一種聲波，其載有一第一電子交易資訊。 The client electronic device 1 has a client dual-frequency voiceprint communication module 11 and a client processing module 12. The client dual-frequency voiceprint communication module 11 signal is connected to the client processing module 12, and the client dual-frequency voiceprint communication module 11 transmits and receives a high-frequency voiceprint carrier. The high-frequency voiceprint carrier is a kind of sound wave, which carries a first electron. Trading information.
銷售端電子裝置2具有銷售端雙頻聲紋通訊模組21以及銷售端處理模組22，其中銷售端雙頻聲紋通訊模組21包含發送構件211。銷售端雙頻聲紋通訊模組21訊號連接銷售端處理模組22，且銷售端雙頻聲紋通訊模組21收發高頻聲紋載波。換句話說，銷售端雙頻聲紋通訊模 組21可藉由高頻聲紋載波而收發第一電子交易資訊。而發送構件211則用以發送和接收聲波，其可為喇叭和麥克風。此外，客戶端電子裝置1與銷售端電子裝置2透過客戶端雙頻聲紋通訊模組11與銷售端雙頻聲紋通訊模組21之間執行雙頻聲紋通訊傳輸而通訊連接。所謂雙頻聲紋通訊技術(Dual-Band Sound Transmit Technology，DBST)，乃同時發送二個以上的高頻聲紋載波訊號，並透過跳頻展頻(Frequency-Hopping Spread Spectrum)，而使傳輸速度比傳統聲波傳輸的速度快，因而可以快速傳送如數位安全加密簽章之大量資訊。除此之外，雙頻聲紋通訊的訊號之間能同調性互補，而且可以用類比之比對演算法來檢查、修復資料損失。再者，雙頻聲紋通訊能傳輸大量的錯誤辨別碼(Partial Bit)，加上編碼的自體驗證性，使得資料傳輸錯誤率極低，是相當安全且傳輸速度極快的通訊方式。在本發明的應用中，DBST可透過行動電話上的收音器和揚聲器進行一連串的加密動作，讓資訊傳送方以人耳聽不見的高頻聲紋載波傳送加密訊息到達接收方，然後由接收方藉以特定的解密鑰匙還原資料訊息。詳細地說，在客戶端雙頻聲紋通訊模組11與銷售端雙頻聲紋通訊模組21之間所執行的DBST傳輸中，客戶端電子裝置1及銷售端電子裝置2會取得共同之加密金鑰。而銷售端電子裝置2會依據加密金鑰將第一電子交易資訊予以加密，並將加密後的第一電子交易資訊傳輸至客戶端電子裝置1。然後，再由客戶端電子裝置1依 據加密金鑰對加密後的第一電子交易資訊進行解碼，並回傳一確認訊號至銷售端電子裝置2。藉此，本發明的應用雙頻聲紋通訊技術之電子交易系統100可透過DBST傳輸加密的第一電子交易資訊，能便利地執行電子交易，並且兼顧傳輸速度以及安全性。 The sales-end electronic device 2 has a sales-end dual-frequency voiceprint communication module 21 and a sales-side processing module 22, wherein the sales-end dual-frequency voiceprint communication module 21 includes a transmitting component 211. The sales terminal dual-frequency voiceprint communication module 21 signal is connected to the sales-end processing module 22, and the sales-end dual-frequency voiceprint communication module 21 transmits and receives the high-frequency voiceprint carrier. In other words, the sales side dual-frequency voiceprint communication module Group 21 can transmit and receive first electronic transaction information by means of a high frequency voiceprint carrier. The transmitting component 211 is used to transmit and receive sound waves, which may be a speaker and a microphone. In addition, the client electronic device 1 and the sales terminal electronic device 2 perform a dual-frequency voiceprint communication transmission and communication connection between the client dual-frequency voiceprint communication module 11 and the sales-end dual-frequency voiceprint communication module 21. The so-called Dual-Band Sound Transmit Technology (DBST) transmits two or more high-frequency voiceprint carrier signals simultaneously and transmits the frequency-frequency-spreading spread spectrum (Frequency-Hopping Spread Spectrum). The speed of sound wave transmission is fast, so that a large amount of information such as a digital security encryption signature can be quickly transmitted. In addition, the signals of the dual-frequency voiceprint communication can be complementarily complementary, and the analogy can be used to check and repair the data loss. Furthermore, dual-frequency voiceprint communication can transmit a large number of Partial Bits, and the self-verification of the code makes the data transmission error rate extremely low, which is a very safe and fast transmission method. In the application of the present invention, the DBST can perform a series of encryption actions through the microphone and the speaker on the mobile phone, so that the information transmitting party transmits the encrypted message to the receiving party with the high frequency voiceprint carrier that is inaudible to the human ear, and then the receiver transmits the specific message. The decryption key restores the data message. In detail, in the DBST transmission performed between the client dual-frequency voiceprint communication module 11 and the sales terminal dual-frequency voiceprint communication module 21, the client electronic device 1 and the sales terminal electronic device 2 will acquire the same. Encryption key. The sales terminal electronic device 2 encrypts the first electronic transaction information according to the encryption key, and transmits the encrypted first electronic transaction information to the client electronic device 1. Then, by the client electronic device 1 The encrypted first electronic transaction information is decoded according to the encryption key, and a confirmation signal is sent back to the sales terminal electronic device 2. Thereby, the electronic transaction system 100 of the present invention using the dual-frequency voiceprint communication technology can transmit the encrypted first electronic transaction information through the DBST, and can conveniently perform electronic transactions, and at the same time, the transmission speed and security are taken into consideration.
值得一提的是，前述之加密金鑰係由客戶端電子裝置1或銷售端電子裝置2任一方產生並傳送至另一方，或者由客戶端電子裝置1與銷售端電子裝置2雙方共同產生。另外，銷售端電子裝置2之第一電子交易資訊可由客戶端電子裝置1所產生，並傳輸至銷售端電子裝置2。換句話說，第一電子交易資訊可在客戶端電子裝置1與銷售端電子裝置2之間依據所需而雙向傳輸，進而增加資料傳輸之靈活度與可調性。 It should be noted that the foregoing encryption key is generated by the client electronic device 1 or the sales terminal electronic device 2 and transmitted to the other party, or is jointly generated by the client electronic device 1 and the sales terminal electronic device 2. In addition, the first electronic transaction information of the sales terminal electronic device 2 can be generated by the client electronic device 1 and transmitted to the sales terminal electronic device 2. In other words, the first electronic transaction information can be transmitted bidirectionally between the client electronic device 1 and the sales terminal electronic device 2 as needed, thereby increasing the flexibility and adjustability of data transmission.
網路伺服器3透過網路連接客戶端電子裝置1及銷售端電子裝置2。此外，客戶端電子裝置1或銷售端電子裝置2可經由網路傳送第一電子交易資訊至網路伺服器3。 The network server 3 connects the client electronic device 1 and the sales terminal electronic device 2 through the network. In addition, the client electronic device 1 or the sales terminal electronic device 2 can transmit the first electronic transaction information to the network server 3 via the network.
金流伺服器4透過網路連接網路伺服器3，使應用雙頻聲紋通訊技術之電子交易系統100用以透過金流伺服器4進行交易支付處理。 The gold stream server 4 connects to the network server 3 through the network, so that the electronic transaction system 100 applying the dual-frequency voiceprint communication technology can perform transaction payment processing through the gold stream server 4.
請一併參閱第1圖與第2圖。第2圖係繪示根據本發明一實施例的應用雙頻聲紋通訊技術之電子交易方法200的流程圖，其用於應用雙頻聲紋通訊技術之電子交易系統100上。如圖所示，應用雙頻聲紋通訊技術之電子 交易方法200包含聲波交握步驟S11、加密傳輸步驟S12以及確認付款步驟S13。 Please refer to Figure 1 and Figure 2 together. 2 is a flow chart showing an electronic transaction method 200 for applying dual-frequency voiceprint communication technology for use in an electronic transaction system 100 employing dual-frequency voiceprint communication technology, in accordance with an embodiment of the present invention. As shown in the figure, the electronic application of dual-frequency voiceprint communication technology The transaction method 200 includes a sonic handshake step S11, an encrypted transmission step S12, and a confirmation payment step S13.
聲波交握步驟S11係利用客戶端電子裝置1及銷售端電子裝置2取得共同之加密金鑰。詳細地說，聲波交握(handshake)步驟S11包含發送隨機碼子步驟S111與產生加密金鑰子步驟S112。其中發送隨機碼子步驟S111係利用客戶端電子裝置1發送隨機碼給銷售端電子裝置2。而產生加密金鑰子步驟S112則是透過銷售端電子裝置2依據隨機碼而產生一加密金鑰，並回傳給客戶端電子裝置1以進行確認。在客戶端電子裝置1及銷售端電子裝置2正式傳輸第一電子交易資訊前，會先進行聲波交握步驟S11。也就是說，銷售端電子裝置2會透過DBST發出一等待連接訊號，同時等待連接。而客戶端電子裝置1收到等待連接訊號後，會回傳一回應訊號給銷售端電子裝置2，表示察覺且同意連線。此時，銷售端電子裝置2停止發送等待連接訊號，而改發送報數訊號(Query Command)，以確定目前正在溝通中的只有一個終端，可避免多重終端的干擾。當確認只有一個終端(客戶端電子裝置1)後，客戶端電子裝置1會發送隨機碼給銷售端電子裝置2。然後銷售端電子裝置2透過此隨機碼而產生一加密金鑰，並回傳給客戶端電子裝置1進行確認。客戶端電子裝置1於取得加密金鑰後比對先前送出的隨機碼，並檢查其是否吻合。若吻合則雙方開始透過DBST傳輸第一電子交易資訊；若不吻合則直接結束並停 止作動。另外值得一提的是，本發明的聲波交握步驟S11亦可由銷售端電子裝置2發送一隨機碼至客戶端電子裝置1之後，客戶端電子裝置1依據隨機碼產生加密金鑰，再回傳加密金鑰至銷售端電子裝置2進行確認。換言之，隨機碼與加密金鑰可由客戶端電子裝置1或銷售端電子裝置2發送產生，能大幅地增加資料傳輸之靈活度與可調性。而且聲波交握步驟S11還可利用客戶端雙頻聲紋通訊模組11與銷售端雙頻聲紋通訊模組21收發一高頻聲紋載波，而隨機碼載於高頻聲紋載波上傳輸，以增加電子交易之便利性、傳輸速度以及安全性。 The sonic handshake step S11 uses the client electronic device 1 and the sales terminal electronic device 2 to obtain a common encryption key. In detail, the sound wave handshake step S11 includes a step of transmitting a random code sub-step S111 and a step of generating an encryption key sub-step S112. The step of transmitting the random code sub-step S111 is to send the random code to the sales-end electronic device 2 by using the client electronic device 1. The step of generating the encryption key sub-step S112 is to generate an encryption key according to the random code through the sales terminal electronic device 2, and transmit it back to the client electronic device 1 for confirmation. Before the client electronic device 1 and the sales terminal electronic device 2 formally transmit the first electronic transaction information, the sound wave handshake step S11 is performed first. That is to say, the sales terminal electronic device 2 sends a waiting connection signal through the DBST while waiting for the connection. After receiving the connection signal, the client electronic device 1 sends back a response signal to the sales terminal electronic device 2, indicating that it is aware of and agrees to connect. At this time, the sales terminal electronic device 2 stops transmitting the waiting connection signal, and sends a Query Command to determine that only one terminal is currently communicating, and the interference of the multiple terminals can be avoided. When it is confirmed that there is only one terminal (client electronic device 1), the client electronic device 1 transmits a random code to the sales terminal electronic device 2. Then, the sales terminal electronic device 2 generates an encryption key through the random code, and transmits it back to the client electronic device 1 for confirmation. The client electronic device 1 compares the previously sent random code after obtaining the encryption key, and checks whether it matches. If they match, the two parties start to transmit the first electronic trading information through DBST; if they do not match, they will directly end and stop. Stop action. In addition, it is worth mentioning that the acoustic wave handshake step S11 of the present invention may also send a random code to the client electronic device 1 by the sales terminal electronic device 2, and the client electronic device 1 generates an encryption key according to the random code, and then transmits the encryption key. The encryption key is sent to the sales terminal electronic device 2 for confirmation. In other words, the random code and the encryption key can be generated by the client electronic device 1 or the sales terminal electronic device 2, which can greatly increase the flexibility and adjustability of the data transmission. Moreover, the sonic handshake step S11 can also transmit and receive a high-frequency voiceprint carrier by using the dual-frequency voiceprint communication module 11 of the client and the dual-frequency voiceprint communication module 21 of the sales terminal, and the random code is transmitted on the high-frequency voiceprint carrier to increase the electronic Transaction convenience, transmission speed and security.
加密傳輸步驟S12係利用銷售端電子裝置2依據加密金鑰將第一電子交易資訊予以加密，並將加密後的第一電子交易資訊傳輸至客戶端電子裝置1。詳細地說，加密傳輸步驟S12包含加密資訊子步驟S121與傳輸資訊子步驟S122。其中加密資訊子步驟S121係利用銷售端處理模組22依據加密金鑰加密第一電子交易資訊。而傳輸資訊子步驟S122則是讓客戶端電子裝置1及銷售端電子裝置2分別使用不同頻段之高頻聲紋載波來傳輸第一電子交易資訊。由此可知，加密傳輸步驟S12係由客戶端電子裝置1及銷售端電子裝置2分別使用至少兩種不同頻段之高頻聲紋載波。此外，第一電子交易資訊可由銷售端電子裝置2產生並傳輸至客戶端電子裝置1，或者是由客戶端電子裝置1所產生而傳輸至銷售端電子裝置2。而所謂的第一電子交易資訊則包含商品金額資訊、金流帳戶獨 立識別碼、裝置識別碼、用戶識別碼、動態安全碼、伺服器識別碼或者憑證機構資訊。另外，在加密傳輸步驟S12中，銷售端處理模組22基於加密金鑰將第一電子交易資訊加密，而客戶端處理模組12亦透過加密金鑰才能將加密後的資料還原成第一電子交易資訊。 The encrypted transmission step S12 uses the sales terminal electronic device 2 to encrypt the first electronic transaction information according to the encryption key, and transmits the encrypted first electronic transaction information to the client electronic device 1. In detail, the encrypted transmission step S12 includes an encrypted information sub-step S121 and a transmission information sub-step S122. The encrypted information sub-step S121 uses the sales-side processing module 22 to encrypt the first electronic transaction information according to the encryption key. The transmission information sub-step S122 is to enable the client electronic device 1 and the sales-end electronic device 2 to transmit the first electronic transaction information by using high frequency voiceprint carriers of different frequency bands respectively. It can be seen that the encrypted transmission step S12 uses the high frequency voiceprint carriers of at least two different frequency bands by the client electronic device 1 and the sales terminal electronic device 2, respectively. In addition, the first electronic transaction information may be generated by the sales terminal electronic device 2 and transmitted to the client electronic device 1 or generated by the client electronic device 1 and transmitted to the sales terminal electronic device 2. The so-called first electronic trading information contains the commodity amount information, the gold flow account alone Identification code, device identification code, user identification code, dynamic security code, server identification code or certificate authority information. In addition, in the encrypted transmission step S12, the sales end processing module 22 encrypts the first electronic transaction information based on the encryption key, and the client processing module 12 also restores the encrypted data to the first electronic device through the encryption key. Trading information.
確認付款步驟S13係利用客戶端電子裝置1依據加密金鑰對加密後的第一電子交易資訊進行解碼，並回傳一確認訊號至銷售端電子裝置2。詳細地說，確認付款步驟S13則包含解密資訊子步驟S131、回傳確認訊號子步驟S132以及傳送相關資訊子步驟S133。其中解密資訊子步驟S131對應加密資訊子步驟S121，此解密資訊子步驟S131係利用客戶端處理模組12依據加密金鑰進行解碼而讀取第一電子交易資訊。而回傳確認訊號子步驟S132則是透過客戶端電子裝置1回傳一確認訊號至銷售端電子裝置2。至於傳送相關資訊子步驟S133則是由客戶端電子裝置1依據第一電子交易資訊經由網路傳送相關於第一電子交易資訊之第二電子交易資訊(例如：付款資訊、客戶端ID以及客戶端銀行帳戶)至網路伺服器3。當然，客戶端電子裝置1或銷售端電子裝置2均可透過網路傳送第一電子交易資訊至網路伺服器3。此外，網路伺服器3可透過網路連接金流伺服器4，用以透過金流伺服器4進行交易支付處理。藉此，本發明的應用雙頻聲紋通訊技術之電子交易方法200可透過DBST傳輸加密的第一電 子交易資訊，不但能便利地執行電子交易，還可兼顧傳輸速度以及安全性。 The confirmation payment step S13 uses the client electronic device 1 to decode the encrypted first electronic transaction information according to the encryption key, and returns a confirmation signal to the sales terminal electronic device 2. In detail, the confirmation payment step S13 includes a decryption information sub-step S131, a return confirmation signal sub-step S132, and a transmission-related information sub-step S133. The decryption information sub-step S131 corresponds to the encrypted information sub-step S121. The decrypted information sub-step S131 uses the client processing module 12 to decode the first electronic transaction information according to the encryption key. The return confirmation signal sub-step S132 is to transmit a confirmation signal to the sales-end electronic device 2 through the client electronic device 1. As for the transmission related information sub-step S133, the second electronic transaction information related to the first electronic transaction information (for example, payment information, client ID, and client) is transmitted by the client electronic device 1 via the network according to the first electronic transaction information. Bank account) to web server 3. Of course, the client electronic device 1 or the sales terminal electronic device 2 can transmit the first electronic transaction information to the network server 3 through the network. In addition, the network server 3 can connect to the gold stream server 4 through the network for performing transaction payment processing through the gold stream server 4. Thereby, the electronic transaction method 200 of the present invention using the dual-frequency voiceprint communication technology can transmit the encrypted first power through the DBST Sub-transaction information not only facilitates the execution of electronic transactions, but also allows for both transmission speed and security.
在一個實施例中，買家與賣家分別各自持有一個電子裝置(例如：行動電話或平板電腦)。賣家的銷售端電子裝置2先透過網路上傳第一電子交易資訊至網路伺服器3，第一電子交易資訊包含商品金額、銷售端識別碼(ID)以及銷售端銀行帳戶資訊。買家至賣家的店面決定欲購買的商品，當買家與賣家對於交易金額達成共識後，買家的客戶端電子裝置1與賣家的銷售端電子裝置2彼此靠近並以DBST傳輸第一電子交易資訊。詳細來說，當客戶端雙頻聲紋通訊模組11與銷售端雙頻聲紋通訊模組21透過DBST完成第一電子交易資訊傳輸之後，客戶端電子裝置1會透過網路傳送相關於第一電子交易資訊之第二電子交易資訊至網路伺服器3，例如：欲付款金額、客戶端ID以及客戶端銀行帳戶資訊。當然，客戶端銀行帳戶資訊也可以事先登錄在網路伺服器3。網路伺服器3用以處理買家與賣家的銀行帳戶之間的金流支付。因此，買家與賣家不需主動操作電子裝置的介面進行裝置間的配對，只要讓各自的電子裝置彼此靠近，即能傳輸第一電子交易資訊並自動透過網路傳送第一電子交易資訊與第二電子交易資訊至網路伺服器3而完成交易。 In one embodiment, the buyer and the seller each hold an electronic device (eg, a mobile phone or a tablet). The seller's sales-side electronic device 2 first uploads the first electronic transaction information to the network server 3 through the network. The first electronic transaction information includes the commodity amount, the sales-side identification number (ID), and the sales-side bank account information. The buyer-to-seller store determines the item to be purchased. When the buyer and the seller reach a consensus on the transaction amount, the buyer's client electronic device 1 and the seller's sales-end electronic device 2 are close to each other and transmit the first electronic transaction in DBST. News. In detail, after the client dual-frequency voiceprint communication module 11 and the sales-end dual-frequency voiceprint communication module 21 complete the first electronic transaction information transmission through the DBST, the client electronic device 1 transmits the relevant information through the network. The second electronic transaction information of the electronic transaction information is sent to the network server 3, for example, the amount of the payment, the client ID, and the client bank account information. Of course, the client bank account information can also be logged in to the web server 3 in advance. The web server 3 is used to process the payment of the gold flow between the buyer and the seller's bank account. Therefore, the buyer and the seller do not need to actively operate the interface of the electronic device to perform pairing between the devices. As long as the respective electronic devices are close to each other, the first electronic transaction information can be transmitted and the first electronic transaction information and the first automatic electronic transaction information can be transmitted through the network. The second electronic transaction information is sent to the web server 3 to complete the transaction.
一般而言，DBST技術允許數公尺範圍內的通訊傳輸，並且可以經由設定而調整有效的傳輸距離，例如：調整DBST的聲波強度。因此，客戶端電子裝置1與 賣家的銷售端電子裝置2的距離必須在一定距離(法定安控規範)以下才能傳輸。 In general, DBST technology allows communication transmission within a few meters, and can adjust the effective transmission distance through setting, for example: adjust the sound intensity of DBST. Therefore, the client electronic device 1 and The distance of the seller's sales terminal electronic device 2 must be below a certain distance (legal security control specification).
請參閱第3圖，第3圖係繪示根據本發明一實施例的應用雙頻聲紋通訊技術之電子交易系統100a的示意圖。此應用雙頻聲紋通訊技術之電子交易系統100a包含客戶端電子裝置1、銷售端電子裝置2a以及網路伺服器3。其中客戶端電子裝置1與網路伺服器3與第1圖之對應方塊相同，不再贅述。特別的是，第3圖的銷售端電子裝置2a包含一展示構件23、音源線213以及銷售端電子模組24。音源線213的兩端分別連接展示構件23與銷售端電子模組24，且展示構件23內設有發送構件211。展示構件23為立牌、告示板或收銀台之醒目且可提示買家付款的構件。發送構件211通過音源線213而延伸設置於展示構件23上。在本實施例中，買家的客戶端電子裝置1靠近展示構件23，而展示構件23的發送構件211即用以收發加密後的第一電子交易資訊，並透過音源線213訊號連接至銷售端電子模組24。也就是說，在本實施例中，買家的客戶端電子裝置1不直接靠近賣家的銷售端電子模組24，而是靠近展示構件23的發送構件211，透過展示構件23而間接地與銷售端電子模組24進行DBST傳輸。如此一來，賣家的銷售端電子模組24可不必直接、頻繁地接觸客戶端電子裝置1，使賣家可以充分利用銷售端電子模組24執行其他業務。 Please refer to FIG. 3, which is a schematic diagram of an electronic transaction system 100a using dual-frequency voiceprint communication technology according to an embodiment of the invention. The electronic transaction system 100a for applying dual-frequency voiceprint communication technology includes a client electronic device 1, a sales terminal electronic device 2a, and a network server 3. The client electronic device 1 and the network server 3 are the same as the corresponding blocks in FIG. 1 and will not be described again. In particular, the sales-end electronic device 2a of FIG. 3 includes a display member 23, a sound source line 213, and a sales-end electronic module 24. The display member 23 and the sales end electronic module 24 are respectively connected to the two ends of the sound source line 213, and the transmitting member 211 is disposed in the display member 23. The display member 23 is a member of the stand, the notice board or the checkout counter that is conspicuous and can prompt the buyer to pay. The transmitting member 211 is extended on the display member 23 via the sound source line 213. In this embodiment, the client's client electronic device 1 is adjacent to the display member 23, and the transmitting member 211 of the display member 23 is configured to send and receive the encrypted first electronic transaction information, and is connected to the sales terminal through the audio source line 213. Electronic module 24. That is to say, in the present embodiment, the client's client electronic device 1 is not directly adjacent to the seller's sales terminal electronic module 24, but is close to the transmitting member 211 of the display member 23, and indirectly sold through the display member 23. The end electronics module 24 performs DBST transmission. In this way, the seller's sales terminal electronic module 24 does not need to directly and frequently contact the client electronic device 1, so that the seller can fully utilize the sales terminal electronic module 24 to perform other services.
由上述實施方式可知，本發明具有下列優點：其一，利用DBST能夠以最便利的方式執行電子交易，且能以高安全性且快速的傳輸方式傳輸第一電子交易資訊。相較於傳統的聲波傳輸，本發明具有傳輸速度快、安全性高的優點。其二，相較於目前的無線電信傳輸技術，本發明的電子交易系統和電子交易方法採用DBST可自動使陌生的兩個電子裝置之間建立連線，並且不需高規格或額外的硬體裝置，使得電子交易系統及方法具有普及性、便利性而能廣泛運用。 As can be seen from the above embodiments, the present invention has the following advantages: First, the DBST can perform electronic transactions in the most convenient manner, and can transmit the first electronic transaction information in a highly secure and fast transmission manner. Compared with the conventional acoustic wave transmission, the invention has the advantages of high transmission speed and high safety. Secondly, compared with the current wireless telecommunication transmission technology, the electronic transaction system and the electronic transaction method of the present invention adopt DBST to automatically establish a connection between two unfamiliar electronic devices without high specification or extra hardware. The device enables the electronic transaction system and method to be widely used due to its popularity and convenience.
雖然本發明已以實施方式揭露如上，然其並非用以限定本發明，任何熟習此技藝者，在不脫離本發明之精神和範圍內，當可作各種之更動與潤飾，因此本發明之保護範圍當視後附之申請專利範圍所界定者為準。 Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention, and the present invention can be modified and modified without departing from the spirit and scope of the present invention. The scope is subject to the definition of the scope of the patent application attached.
100‧‧‧應用雙頻聲紋通訊技術之電子交易系統 100‧‧‧Electronic trading system using dual-frequency voiceprint communication technology
1‧‧‧客戶端電子裝置 1‧‧‧Client electronic device
11‧‧‧客戶端雙頻聲紋通訊模組 11‧‧‧Client dual-frequency voiceprint communication module
12‧‧‧客戶端處理模組 12‧‧‧Client Processing Module
2‧‧‧銷售端電子裝置 2‧‧‧Sales electronic device
21‧‧‧銷售端雙頻聲紋通訊模組 21‧‧‧Sale-end dual-frequency voiceprint communication module
211‧‧‧發送構件 211‧‧‧Send component
22‧‧‧銷售端處理模組 22‧‧‧Sale-end processing module
3‧‧‧網路伺服器 3‧‧‧Web server
4‧‧‧金流伺服器 4‧‧‧Gold Streaming Server
Claims (11)
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107274173A (en) * | 2017-05-11 | 2017-10-20 | 吴世贵 | A kind of sound wave payment method |
| TWI655590B (en) * | 2017-11-03 | 2019-04-01 | 愛美金科技股份有限公司 | A verify system having mobile payment with sound wave |
| TWI678635B (en) * | 2018-01-19 | 2019-12-01 | 遠傳電信股份有限公司 | Voiceprint certification method and electronic device thereof |
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| CN107483119A (en) * | 2017-07-04 | 2017-12-15 | 深圳市格思智能有限公司 | A kind of reading sensor and its system and Card Reader operating method using sound wave as transmission medium |
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| CN103888256B (en) * | 2012-12-24 | 2018-01-05 | 国民技术股份有限公司 | The authentication method and system of a kind of cipher key |
| CN104700262B (en) * | 2013-12-10 | 2019-01-18 | 中国银联股份有限公司 | A kind of payment system based on NFC mobile terminal and POS terminal |
| CN103927657A (en) * | 2014-04-10 | 2014-07-16 | 福建联迪商用设备有限公司 | Sound wave payment method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107274173A (en) * | 2017-05-11 | 2017-10-20 | 吴世贵 | A kind of sound wave payment method |
| TWI655590B (en) * | 2017-11-03 | 2019-04-01 | 愛美金科技股份有限公司 | A verify system having mobile payment with sound wave |
| TWI678635B (en) * | 2018-01-19 | 2019-12-01 | 遠傳電信股份有限公司 | Voiceprint certification method and electronic device thereof |
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