TWM560064U - A verify system having mobile payment with sound wave - Google Patents

Abstract

The invention provides a verify system having mobile payments incorporating sound waves, including a consumer purchasing at least one merchandise; a cashier end for calculating the amount of the purchased object for data encoding, and further transmitting the encoded amount data to the consumer via a sound wave transmission pathway, thereafter, the encoded amount data is received, decoded and encrypted to be a digital signature and then transmitted to the cashier end; and a verify end for receiving the digital signature and the object amount transmitted from the cashier end via a transmission pathway, and then decrypting the digital signature to be another object amount and determining whether the other object amount and the object amount correspond to the identity of the consumer.

Description

Verification system with sonic action payment

This creation is about a system of mobile payments, especially a verification system with sonic mobile payments.

Mobile payment refers to a service that uses a mobile device to make a payment. Consumers can use mobile devices to pay for services or digital and physical goods without the use of cash, checks or credit cards.

At present, there are two main types of mobile payment methods: Bluetooth payment and contactless payment (NFC).

The existing Bluetooth payment is mainly a built-in non-contact chip and RF circuit built in the mobile phone, and the user account payment information is stored in the chip through a special format code. When the user pays, the mobile phone must be pointed at the Bluetooth receiving device, and the user's account information will be transmitted to the Bluetooth receiving device via Bluetooth, and the payment authentication and the transaction can be completed in a few seconds.

However, Bluetooth technology has a disadvantage when it is used as a medium for transmitting messages. It must be paired between the user's mobile phone and the payment device. It takes too long to complete the payment authentication and transaction.

Non-contact payment (NFC) payment methods are often used in physical stores or transportation facilities. Consumers must use a mobile phone equipped with an NFC chip and place the mobile phone in front of the sensor module. Most transactions do not require additional authorization, but some transactions require a password or fingerprint authorization before completing. Payments can be deducted from prepaid or bank accounts or charged to telecommunications charges.

Poorly, the current NFC action payment penetration rate and scope of application are facing serious challenges, because NFC action payments require mobile network operators, trust management service platforms and service providers (probably banks, merchants or Shipment of authorized units) is therefore due to complex infrastructure and complex ecosystem operator architecture, and high-end communications must be installed in handheld communication devices such as cell phones, personal digital assistants (PDAs) or tablets that use NFC mobile payments. The wafer thus derives the problem of excessive cost.

Therefore, how to provide a verification system with fast verification and low cost of action payment should be urgent and needed.

In view of the above-mentioned deficiencies of the prior art, the present invention provides a verification system with sonic mobile payment, which does not require the matching of pairing of Bluetooth payment, and does not have to use a high-order and expensive communication chip as NFC action payment. Therefore, the technical advantage of this creation is to convert the amount of the commodity into the encoded amount data, and transmit and receive the digital signature containing the encoded amount data between the consumer and the checkout end through an acoustic transmission path. After that, the verification terminal receives the message transmitted by the checkout terminal through the Internet. The digital signature sent and the identification number of the consumer and the amount of the item, the verification end searches for the public key corresponding to the private key of the consumer according to the identification code of the consumer, and decrypts the amount of the digital signature into another item, and then The verification end judges whether the amount of another item is the same as the amount of the item. If the amount of the two items is the same, the verification is successful.

As can be seen from the above, the process of using the two-way authentication not only ensures that the amount information of the items transmitted between the consumer and the checkout end is not falsified by the hacker, and since the transmission distance of the voice signal is controllable. The sending and receiving distance is very short, so the verification time will be very fast.

Therefore, for the above purpose, the present invention provides a verification system for voice action payment, comprising: a checkout end, after the consumer purchases at least one item, the amount of the at least one item is counted to be purchased The amount of the at least one item is encoded by the amount data, and the encoded amount of the data is transmitted to the consumer via an audio transmission path, and the consumer decodes and encrypts the encoded amount data to become a digital sign. a chapter for transmitting the digital signature to the checkout end through the sound wave transmission path; and a verification end receiving the digital signature transmitted by the checkout end and the purchased at least one item through a transmission path The amount of the verification, the verification end decrypts the digital signature into another amount, and further determines whether the other amount is the same as the amount of the item to verify the identity of the consumer.

1‧‧‧Verification system with sonic mobile payment

11‧‧‧ Consumers

12‧‧‧Checkout

13‧‧‧Verification

20‧‧‧Sonic transmission path

30‧‧‧Handheld communication device

40‧‧‧Internet

121, 302‧‧‧Sonic transmitter

122, 301‧‧‧Sonic Receiver

The first picture is a block diagram of the system of sonic action payment.

Figure 2 is the flow of the consumer of the creation obtaining the consumer's identification code and the consumer's private key from the verification side.

Figure 3 is a flow of the information on the amount of the item and the amount of the item received by the consumer and the checkout end of the creation.

Figure 4 is the flow of verifying the identity of the consumer at the verification end of the creation.

In the existing mobile payment system, the shortcoming of Bluetooth payment is the pairing matching to complete the payment authentication and transaction. It takes too long, complicated operation, large power consumption and NFC must install high-level communication. The wafer thus derives the problem of excessive cost.

In order to solve the above problems, as shown in the first figure, a block diagram of a verification system 1 for voice action payment is proposed, which includes a consumer 11, a cash register, a computer, a mobile phone, a personal digital assistant or a tablet as a knot. An example of the account 12, the digital verification host is used as a verification terminal 13, and the consumer 11 carries out data by means of a handheld communication device 30 such as a mobile phone, a personal digital assistant (PDA) or a tablet computer. Transmission and reception functions.

First, as shown in FIG. 2, the figure shows a process in which the consumer obtains the identification code of the consumer and the private key of the consumer from the verification terminal. In the consumer 11 such as a supermarket, a retail store, a department store, or the like, this type of Before the shopping mall purchases at least one item, the consumer 11 inputs the account number and password to the verification terminal 13 through the transmission path of the Internet 40 via the handheld communication device 30 to register at the verification terminal 13 and obtain the consumer from the verification terminal 13. The identification code and the consumer's private key. Thereafter, the consumer 11 purchases at least one item at the mall and counts the amount of the item to the checkout terminal 12.

Receiver, as shown in Figure 3, the figure is for the consumer and the checkout end The process of sending information about the amount of the item and the amount of the item received. An sonic transmitter 121 for encoding at the checkout terminal 12 encodes the amount of the item to generate the encoded amount of money.

The sound wave transmitter 121 of the checkout terminal 12 transmits the encoded money amount data to the handwritten communication device 30 of the consumer 11 for decoding by a sound wave transmission frequency of 16 kHz to 22 kHz. Sound receiver 301.

The sound wave receiver 301 of the handheld communication device 30 of the consumer 11 decodes the received encoded amount data and uses an algorithm pair of one of an RSA algorithm or an Elliptic Curve Cryptography Algorithm. The encoded amount data is encrypted with the consumer's private key to generate a Digital Signature.

Thereafter, the sound wave transmitter 302 of the handheld communication device 30 of the consumer 11 transmits the digital signature and the consumer identification code to the sound wave receiver of the checkout terminal 12 through the sound wave transmission path 20 at a frequency of 16KHz to 22KHz sound wave transmission. 122.

Thereafter, as shown in FIG. 4, the figure is a flow of verifying the identity of the consumer by the verification terminal. The sound wave transmitter 121 of the checkout terminal 12 transmits the digital signature and the consumer's identification code and the amount of the original item to the verification terminal 13 via the Internet 40.

The verification terminal 13 searches for a public key (Public-key) corresponding to the private key of the previously given consumer according to the received identification code of the consumer to decrypt the digital signature into another amount, and then the verification terminal 13 judges another One amount and the original If the amount of the items is the same, if the two amounts are the same, the verification is successful, and regardless of whether the two amounts are the same or different, the verification terminal 13 transmits the determined result to the checkout end of the consumer 11 through the Internet 40, respectively. 12.

The verification system for sonic mobile payment proposed by this creation has the technical advantage that the process of two-way authentication not only ensures that the amount information of the items transmitted between the consumer and the checkout end is not intercepted by the hacker, and because of the sound The transmission distance of the signal is controllable, and the transmission and reception distance is very short, so the verification time will be very fast.

Claims (10)

A verification system for sound wave action payment, comprising: a checkout end, after the consumer purchases at least one item, the amount of the at least one item is counted, and the amount of the at least one item purchased is encoded by the amount data. And transmitting the encoded amount of data to the consumer via an audio transmission path, and decoding and encrypting the encoded amount data to become a digital signature to transmit the digital signature through the sound transmission path The digital signature is transmitted to the checkout end; and a verification end receives the digital signature transmitted by the checkout end and the amount of the purchased at least one item through a transmission path, and the verification end marks the digital sign The chapter decrypts into another amount, and further determines whether the other amount is the same as the amount of the at least one item to verify the identity of the consumer. The verification system for sound wave action payment according to claim 1, wherein the frequency of the sound wave transmission is 16 kHz to 22 kHz. The verification system for voice action payment according to claim 1, wherein the consumer performs a function of transmitting and receiving the amount data of the at least one item by means of a handheld communication device. The voice mobile payment verification system according to claim 3, wherein the handheld communication device and the checkout end include an acoustic wave transmitter for encoding and a sound wave receiver for decoding. The verification system for voice action payment as described in claim 3, wherein the handheld communication device is one of a mobile phone, a personal digital assistant (PDA) or a tablet computer. The verification system with the sonic action payment as described in claim 1, wherein the consumer registers the verification end to obtain the identification code of the consumer before the consumer purchases the at least one item. And the private key of the consumer, the consumer encrypting the received amount information and the private key of the consumer into the digital signature to transmit the digital signature to the consumption through the sound transmission path The identification code of the person is transmitted to the checkout end. The verification system with the sonic mobile payment as described in claim 6, wherein the verification terminal receives the digital signature transmitted by the checkout end and the identification code of the consumer through the transmission path and The amount of the at least one item, and searching for the public key corresponding to the previously given private key of the consumer according to the identification code of the consumer to decrypt the digital signature into the other amount, after which the verification end It is determined whether the other amount is the same as the amount of the at least one item, and if the two are the same, the verification is successful. The verification system for voice action payment as described in claim 1, wherein the transmission path is transmitted using the Internet. The verification system for voice action payment as described in claim 1, wherein the checkout end is one of a cash register, a computer, a mobile phone, a personal digital assistant or a tablet. The verification system for sound wave action payment according to claim 1, wherein the encryption is one of an RSA algorithm or an Elliptic Curve Cryptography Algorithm.