WO2014086310A1 - 一种支付终端、支付系统及支付方法 - Google Patents

一种支付终端、支付系统及支付方法 Download PDF

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Publication number
WO2014086310A1
WO2014086310A1 PCT/CN2013/088707 CN2013088707W WO2014086310A1 WO 2014086310 A1 WO2014086310 A1 WO 2014086310A1 CN 2013088707 W CN2013088707 W CN 2013088707W WO 2014086310 A1 WO2014086310 A1 WO 2014086310A1
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WIPO (PCT)
Prior art keywords
audio
data
module
payment terminal
interface
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PCT/CN2013/088707
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English (en)
French (fr)
Inventor
林峰
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国民技术股份有限公司
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Publication of WO2014086310A1 publication Critical patent/WO2014086310A1/zh

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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3234—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3215—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a plurality of channels

Definitions

  • the present invention relates to the field of electronic payment, and in particular, to a payment terminal, a payment system, and a payment method.
  • a traditional payment terminal is a device widely used in public places (such as banks, merchants, etc.) to provide various payment functions for users.
  • the user can complete the payment function only when he arrives at a public place with such a payment terminal, which brings inconvenience to people's use.
  • the invention provides a payment terminal, a payment system and a payment method, which solves the problem that the traditional payment terminal cannot be applied to the terminal device held by the user; further, the problem that the traditional payment terminal cannot be compatible with different devices is solved.
  • the present invention adopts the following technical solutions:
  • a payment terminal includes a main control module, and further includes a first USB interface and a first audio interface; the first USB interface and the first audio interface are respectively connected to the main control module; and the main control module is used for identity
  • the first USB interface and the first audio interface are used by the main control module to perform data interaction with an external device.
  • the first audio interface includes an audio plug and a first data conversion module
  • the audio plug is configured to be connected to an audio slot of the external device, and perform audio data interaction with the audio slot
  • the data conversion module is configured to convert the audio data received by the audio plug into digital data, and send the data to the main control module, and convert the digital data sent by the main control module into audio data, and send the data to the audio plug; or ,
  • the first audio interface includes a microphone, a speaker, and a second data conversion module; the microphone and the speaker are configured to perform audio data interaction with an external device by means of sound waves; and the second data conversion module is configured to receive the microphone
  • the audio data is converted into digital data and sent to the main control module, and used to convert the digital data sent by the main control module into audio data and sent to the horn.
  • the main control module includes a security chip or multiple PSAM cards supporting different card issuers.
  • the payment terminal further includes a power module for supplying power, and the power module is connected to the main control module.
  • the payment terminal further includes a storage module for storing data, a display module for displaying data, and/or a biometric module for identifying by biometrics; the storage module, the display module, and the biometric identification The modules are respectively connected to the main control module.
  • the payment terminal further includes a button module for opening and/or closing the first USB interface and the first audio interface, and the button module passes the main control module and the first USB interface, An audio interface is connected or directly connected to the first USB interface and the first audio interface.
  • the payment terminal further includes a card swiping module, and the card swiping module is connected to the main control module for supporting a user's card swiping operation, and performing a reading and/or writing operation on the card.
  • a payment system comprising the payment terminal of any of the above, further comprising a mobile terminal having a second audio interface that matches a first audio interface of the payment terminal, the payment terminal and the mobile terminal
  • the first audio interface and the second audio interface perform data interaction.
  • a payment system comprising the payment terminal according to any one of the preceding claims, further comprising a computer having a second USB interface matching the first USB interface of the payment terminal, the payment terminal and the The computer performs data interaction through the first USB interface and the second USB interface.
  • a payment method includes: receiving, by a first USB interface and/or a first audio interface, data to be validated by an external device; performing identity identification and security authentication according to the data to be validated; and correspondingly passing the first USB interface And/or the first audio interface feeds back the results of the validation to the external device.
  • receiving, by the first audio interface, the to-be-validated data sent by the external device is: receiving, by the audio plug, the to-be-validated data of the audio format sent by the external device, and converting the to-be-validated data of the audio format into a digital format;
  • the first audio interface feeds back the verification result to the external device, specifically: converting the verification result of the digital format into an audio format, and feeding back to the external device through the audio plug.
  • receiving, by the first audio interface, the to-be-validated data sent by the external device is: receiving, by the microphone, the to-be-validated data of the audio format sent by the external device, and converting the to-be-validated data of the audio format into a digital format;
  • the result of the feedback of an audio interface to the external device is specifically: converting the effect of the digital format into an audio format, and feeding back to the external device through the speaker.
  • the payment terminal includes a first USB interface and a first audio interface
  • the first USB interface can perform data interaction with an external device having a communication unit matched thereto, for example, A computer having a USB interface performs data interaction
  • the first audio interface can perform data interaction with an external device having a communication unit matched thereto, such as data interaction with a mobile terminal also having an audio interface.
  • the payment terminal provided by the present invention includes both a first USB interface and a first audio interface, and is compatible with various devices, so that the same payment terminal can be used on the mobile terminal, and can be used on a computer, and the application The scope is more extensive.
  • FIG. 1 is a schematic diagram of a payment terminal according to an embodiment of the present invention.
  • FIG. 2 is a schematic diagram of a first audio interface in the payment terminal shown in FIG. 1;
  • FIG. 3 is another schematic diagram of a first audio interface in the payment terminal shown in FIG. 1;
  • FIG. 4 is a schematic diagram of a payment terminal according to another embodiment of the present invention.
  • FIG. 5 is a schematic diagram of a payment terminal according to another embodiment of the present invention.
  • FIG. 6 is a schematic diagram of a payment terminal according to another embodiment of the present invention.
  • FIG. 7 is a schematic diagram of a first audio interface in the payment terminal shown in FIG. 6;
  • FIG. 8 is another schematic diagram of a first audio interface in the payment terminal shown in FIG. 6;
  • FIG. 9 is a schematic diagram of a payment terminal according to another embodiment of the present invention.
  • FIG. 10 is a schematic diagram of a payment terminal according to another embodiment of the present invention.
  • the payment terminal of the present invention includes a first USB interface and a first audio interface.
  • the first USB interface is used for data interaction with an external device having a communication unit matched thereto, such as data interaction with a computer having the same USB interface;
  • the first audio interface is used for communication with a communication unit having the same
  • the external device performs data interaction, such as data interaction with a mobile terminal that also has an audio interface.
  • the payment terminal of the present invention may be a smart key device for performing identity recognition and secure authentication in an electronic payment process, or may be a POS terminal having a card swipe function.
  • FIG. 1 is a schematic diagram of a payment terminal according to an embodiment of the present invention.
  • the payment terminal 1 includes a main control module 11, a first USB interface 12, and a first audio interface 13; a first USB interface 12, a first The audio interface 13 is connected to the main control module 11.
  • the main control module 11 is used for identity recognition and security authentication.
  • the main control module 11 comprises a security chip or a plurality of PSAM cards supporting different card issuers.
  • First USB interface 12 The first audio interface 13 is used by the main control module 11 to perform data interaction with an external device.
  • the first USB interface 12 is configured to perform data interaction with an external device having a communication unit matched thereto, such as data interaction with a computer having the same USB interface;
  • the first audio interface 13 is configured to have a match with the same
  • the external device of the communication unit performs data interaction, such as data interaction with a mobile terminal (such as a mobile phone, an IPAD, a notebook, etc.) that also has a corresponding audio interface.
  • the payment terminal 1 may further include a switch module for turning on and/or off the first USB interface 12 and the first audio interface 13.
  • the switch module is a button module, and the button module can pass the main module.
  • the control module 11 is connected to the first USB interface 12, the first audio interface 13, or directly connected to the first USB interface 12 and the first audio interface 13.
  • the button module can also be used to input information, such as input payment password, transaction amount, check code, etc., and can also be used for confirming information or canceling information, such as pressing the confirm button, indicating that the user agrees to the transaction, pressing the cancel button to indicate the user Abandon the transaction.
  • the first audio interface 13 further includes an audio plug 131 and a first data conversion module 132.
  • the audio plug 131 is used for external devices.
  • the audio slots are connected, and the audio data is exchanged with the audio slot, that is, the payment terminal is connected to the audio slot of the external device through the first audio plug 131 to perform data interaction with the external device.
  • the data may include other data than the data used for payment.
  • the first data conversion module 132 is configured to connect the main control module 11 with the audio plug 131 for converting the audio data received by the audio plug 131 into digital data, and transmitting the data to the main control module 11, and transmitting the main control module 11
  • the digital data is converted into audio data and sent to the audio plug 131.
  • the first data conversion module 132 may include an A/D conversion module and a D/A conversion module, and the A/D conversion module is configured to convert the audio data received by the audio plug 131 into digital data, and send the data to the main control module 11, D/
  • the A conversion module is configured to convert the digital data sent by the main control module 11 into audio data and send it to the audio plug 131.
  • FIG. 3 is another schematic diagram of a first audio interface 13 according to an embodiment of the present invention.
  • the first audio interface 13 further includes a microphone 133, a speaker 134, and a second data conversion module 135.
  • Wireless communication is more convenient.
  • the microphone 133 is configured to receive the audio data of the external device by means of sound waves
  • the speaker 134 is configured to send the audio data to the external device by means of sound waves
  • the second data conversion module 135 connects the microphone 133 and the speaker 134 with the main control module 11 for use.
  • the audio data received by the microphone 133 is converted into digital data, and sent to the main control module 11, and the digital data sent from the main control module 11 is converted into audio data, and sent to the speaker 134.
  • the second data conversion module 135 may also include an A/D conversion module for converting audio data received by the microphone 133 into digital data, and transmitting the data to the main control module 11, D/.
  • the A conversion module converts the digital data sent by the main control module 11 into audio data and sends it to the speaker 134.
  • the payment terminal 1 in the above embodiment does not include the card swipe module, so it does not have the card swipe function, and is only used for identity recognition and security authentication in the electronic payment process, such as a smart key device, and the working process may be:
  • the first USB interface 12 of the payment terminal 1 is connected to the second USB interface of the computer. After the connection is completed, when the user generates a transaction on the computer, the computer passes the first The second USB interface sends a command to the first USB interface 12 of the payment terminal 1.
  • the first USB interface 12 forwards the received command to the main control module 11, and the main control module 11 verifies the legality of the command (including identification).
  • the security certification after the verification is completed, through the connection between the first USB interface 12 and the second USB interface, the verification result is fed back to the computer, and the computer completes or cancels the electronic payment according to the verification result.
  • the first audio interface 13 of the payment terminal 1 includes an audio plug 131 and a first data conversion module 132, and the user performs a transaction on the mobile terminal having the audio slot as an example, and the audio plug 131 of the payment terminal 1 is inserted into the mobile terminal.
  • the mobile terminal sends an audio format command to the audio plug 131 of the payment terminal 1 through the audio slot, and the audio plug 131 sends the command to the first terminal.
  • the data conversion module 132 converts the command of the audio data format into a digital format and forwards the command to the main control module 11, and the main control module 11 verifies the legality of the command (including identification and security authentication).
  • the verification result is sent to the first data conversion module 132, and the first data conversion module 132 converts the verification result of the digital format into an audio format, and connects to the mobile terminal through the connection between the audio plug and the audio slot. Feedback, the mobile terminal completes or cancels the electronic payment according to the verification result.
  • the first audio interface 13 of the payment terminal 1 includes a microphone 133, a speaker 134 and a second data conversion module 135, and the user performs a transaction on a mobile terminal having a speaker and a microphone, and the user moves when a transaction is generated on the mobile terminal.
  • the terminal sends a command by means of a sound wave emitted by the speaker, the microphone 133 of the payment terminal 1 receives the command of the audio format, and the microphone 133 forwards the command of the received audio format to the second data conversion module 135, and the second data conversion module 135
  • the command of the audio data format is converted into a digital format and forwarded to the main control module 11.
  • the main control module 11 verifies the legality of the command (including identification and security authentication), and after the verification is completed, sends the verification result to the second.
  • the data conversion module 135, the second data conversion module 135 converts the verification result of the digital format into an audio format, and sends the sound wave through the speaker 134, and the microphone of the mobile terminal receives the verification result, and the mobile terminal performs the verification according to the verification.
  • the result is to complete or cancel the electronic payment.
  • the payment terminal 1 may further include a power module for power supply, such as the payment terminal shown in FIG. 4, which is different from the payment terminal 1 shown in FIG. 1 in that the payment terminal 1 A power module 14 for supplying power to the payment terminal 1 is also included, and the power module 14 is connected to the main control module 11.
  • the power module 14 can be a primary battery (primary Cell, primary battery, that is, the primary battery, commonly known as dry battery, is the battery that can not be recharged after discharge to recover), secondary battery (Rechargeable A battery, also referred to as a rechargeable battery, refers to a battery that can be activated by activation of the active battery after the battery is discharged, and/or a power management module.
  • the power management module is connected to the main control module 11 and is also connected to the first USB interface 12 and/or the first audio interface 13 for obtaining power supply power from the first USB interface 12 and/or the first audio interface 13.
  • the power module includes a secondary battery and a power management module, and the power management module charges the secondary battery after acquiring the power supply from the first USB interface 12 and/or the first audio interface 13.
  • the payment terminal 1 may further include a storage module, a display module, and/or a biometric module.
  • the storage module, the display module, and the biometric module may obtain power supply power from the power module 14 through the main control module 11, or store
  • the module, the display module, and the biometric module are directly connected to the power module 14 to directly obtain power supply from the power module 14.
  • the biometric module is configured to acquire a biometric feature of the user, and the biometric module is used to identify the user.
  • the biometric module in this embodiment may be a fingerprint identification module, an eye mask recognition module, or the like. As shown in FIG. 5, the payment terminal is different from the payment terminal 1 shown in FIG.
  • the payment terminal 1 further includes a storage module 15 and a display module 16, and the storage module 15 and the display module 16 respectively and the main The control module 11 is connected.
  • the storage module 15 is configured to store a user's private key, a digital certificate, an arithmetic algorithm, transaction data generated in a payment process, and the like.
  • the display module 16 is configured to display transaction data generated during the payment process, such as amount data that needs to be confirmed by the user, a key generated by the main control module 11, and the like.
  • the payment terminal 1 may further include a memory expansion interface for connecting an external storage unit, and the memory expansion interface is connected to the main control module 11.
  • the purpose of setting the memory expansion interface is to expand the storage space of the payment terminal 1.
  • FIG. 6 is a schematic diagram of a payment terminal according to another embodiment of the present invention.
  • the payment terminal 2 includes a main control module 21, a first USB interface 22, a first audio interface 23, and a card swipe module 24.
  • the first USB interface 22, the first audio interface 23, and the swipe module 24 are respectively connected to the main control module 21.
  • the main control module 21 is used for identity recognition and security authentication.
  • the main control module 21 comprises a security chip or a plurality of PSAM cards supporting different card issuers.
  • the card swiping module 24 is configured to support the user's swipe operation, perform read and/or write operations on the card, send read data read from the card to the main control module 21, and write data written by the main control module 21 to the card. .
  • the first audio interface 23 is used by the main control module 21 to perform data interaction with an external device.
  • the first USB interface 22 is configured to perform data interaction with an external device having a communication unit matched thereto, such as data interaction with a computer having the same USB interface; the first audio interface 23 is configured to have a match with the same
  • the external device of the communication unit performs data interaction, such as data interaction with a mobile terminal (such as a mobile phone, an IPAD, a notebook, etc.) that also has a corresponding audio interface.
  • the card swiping module 24 in this embodiment supports a plurality of card swiping methods such as a magnetic stripe card reader, a contact IC card reader card, and a non-contact IC card card reader.
  • the payment terminal 2 may further include a switch module for turning on and/or off the first USB interface 22 and the first audio interface 23.
  • the switch module is preferably a button module, and the button module can pass the main module.
  • the control module 21 is connected to the first USB interface 22, the first audio interface 23, or directly connected to the first USB interface 12 and the first audio interface 23.
  • the button module can also be used to input information, such as input payment password, transaction amount, check code, etc., and can also be used for confirming information or canceling information, such as pressing the confirm button, indicating that the user agrees to the transaction, pressing the cancel button to indicate the user Abandon the transaction.
  • FIG. 7 is a schematic diagram of a first audio interface 23 according to an embodiment of the present invention.
  • the first audio interface 23 further includes an audio plug 231 and a first data conversion module 232, and the audio plug 231 is used for external devices.
  • the audio slot is connected to the audio slot for audio data interaction
  • the first data conversion module 232 is connected to the main control module 21 and the audio plug 231 for converting the audio data received by the audio plug 231 into digital data and transmitting
  • the digital data sent by the main control module 21 is converted into audio data and sent to the audio plug 231.
  • the first data conversion module 232 can include an A/D conversion module and a D/A conversion module, and the A/D conversion module is configured to convert the audio data received by the audio plug 231 into digital data, and send the data to the main control module 21, D/.
  • the A conversion module is configured to convert the digital data sent by the main control module 21 into audio data and send it to the audio plug 231.
  • FIG. 8 is another schematic diagram of a first audio interface 23 according to an embodiment of the present invention.
  • the first audio interface 23 includes a microphone 233, a speaker 234, and a second data conversion module 235, which is a wireless device. Communication method is more convenient.
  • the microphone 233 is configured to receive the audio data of the external device by means of sound waves, and the speaker 234 transmits the audio data to the external device by means of sound waves, and the second data conversion module 235 is connected to the microphone 233, the speaker 234, and the main control module 21,
  • the audio data received by the microphone 233 is converted into digital data, and sent to the main control module 21, and the digital data sent by the main control module 21 is converted into audio data, and sent to the speaker 234.
  • the second data conversion module 235 may include an A/D conversion module and a D/A conversion module, and the A/D conversion module is configured to convert the audio data received by the microphone 233 into digital data, and send the data to the main control module 21, D/A.
  • the conversion module converts the digital data sent by the main control module 21 into audio data and sends it to the speaker 234.
  • the payment terminal 2 in this embodiment is provided with a card swipe module 24, similar to a POS terminal, and the working process may be:
  • the first USB interface 22 of the payment terminal 2 is connected to the second USB interface of the computer. After the connection is completed, when the user generates a transaction on the computer, the computer passes the first The second USB interface sends a command to the first USB interface 22 of the payment terminal 2, and the first USB interface 22 forwards the received command to the main control module 21, and the main control module 21 verifies the legality of the command (including identification). And the security certification), after the verification is passed, the notification card module 24 waits for the card to be swiped.
  • the card swipe module 24 transfers the data read from the card to the main control module 21, and the main control module 21 passes the first USB interface 22 and the first The connection between the two USB interfaces is fed back to the computer, and the computer completes or cancels the electronic payment according to the data.
  • the first audio interface 23 of the payment terminal 2 includes an audio plug 231 and a first data conversion module 232, and the user performs a transaction on the mobile terminal having the audio slot as an example, and the audio plug 231 of the payment terminal 2 is inserted into the mobile terminal.
  • the audio slot after the connection is completed, when the user generates a transaction on the mobile terminal, the mobile terminal sends an audio format command to the audio plug 231 of the payment terminal 2 through the audio slot, and the audio plug 231 sends the command received to the first
  • the data conversion module 232 converts the command of the audio data format into a digital format and forwards the command to the main control module 21, and the main control module 21 verifies the legality of the command (including identification and security authentication).
  • the notification card module 24 waits for the card to be swiped. After the user swipes the card, the card swipe module 24 transfers the data read from the card to the main control module 21, and the main control module 21 performs encryption (or may not encrypt) to send to the first
  • the data conversion module 232, the first data conversion module 232 converts the digital format data into an audio format, and passes through the audio plug and the audio slot. Feedback connected to the mobile terminal, the mobile terminal is completed or canceled based on the electronic payment data.
  • the first audio interface 23 of the payment terminal 2 includes a microphone 233, a speaker 234 and a second data conversion module 235, and the user performs a transaction on a mobile terminal having a speaker and a microphone, and the user moves when a transaction is generated on the mobile terminal.
  • the terminal sends a command by means of a sound wave emitted by the speaker
  • the microphone 233 of the payment terminal 2 receives the command of the audio format
  • the microphone transmits the command of the received audio format to the second data conversion module 235
  • the second data conversion module 235 transmits the audio.
  • the data format command is converted into a digital format and forwarded to the main control module 21, and the main control module 21 verifies the legality of the command (including identification and security authentication).
  • the notification card module 24 waits for the card to be swiped, and the user swipe the card. After completion, the card swipe module 24 transfers the data read from the card to the main control module 21, and the main control module 21 performs encryption (or may not encrypt) to the second data conversion module 235, and the second data conversion module will format the digital format. The data is converted into an audio format and sent out through the speaker 234 to emit sound waves, and the microphone of the mobile terminal is connected. Receiving the key, the mobile terminal completes or cancels the electronic payment according to the data.
  • the payment terminal 2 may further include a power module for power supply, such as the payment terminal shown in FIG. 9, which is different from the payment terminal 2 shown in FIG. 6 in that the payment terminal 2 A power module 25 for supplying power to the payment terminal 2 is also included, and the power module 25 is connected to the main control module 21.
  • the power module 25 can be a primary battery, a secondary battery, and/or a power management module.
  • the power management module is connected to the main control module 21 and is also connected to the first USB interface 22 and/or the first audio interface 23 for obtaining power supply power from the first USB interface 22 and/or the first audio interface 23.
  • the power module includes a secondary battery and a power management module, and the power management module charges the secondary battery after acquiring the power supply from the first USB interface 22 and/or the first audio interface 23.
  • the payment terminal 2 may further include a storage module, a display module, and/or a biometric module.
  • the biometric module is configured to acquire a biometric feature of the user, and identify the user by using the biometric feature.
  • the storage module, the display module, and the biometric module can obtain power supply from the power module through the main control module 21, or the storage module, the display module, and the biometric module are directly connected to the power module, and the power supply is directly obtained from the power module.
  • the payment terminal shown in FIG. 10 is different from the payment terminal 2 shown in FIG. 9 in that the payment terminal 2 further includes a storage module 26 and a display module 27, and the storage module 26 and the display module 27 respectively and the main The control module 21 is connected.
  • the storage module 26 is configured to store the user's private key, digital certificate, arithmetic algorithm, transaction data generated during the payment process, and the like.
  • the display module 27 is configured to display transaction data generated during the payment process, such as amount data that needs to be confirmed by the user, a key generated by the main control module 21, and the like.
  • the payment terminal 2 may further include a memory expansion interface for connecting to the external storage unit.
  • the memory expansion interface is connected to the main control module 21, and the purpose of setting the memory expansion interface is to expand the storage space of the payment terminal 2.
  • the present invention also includes a payment system comprising the payment terminal provided by any of the above embodiments, further comprising a mobile terminal having a second audio interface matching the first audio interface of the payment terminal, the payment terminal and the The mobile terminal performs data interaction through the first audio interface and the second audio interface. or,
  • the payment system includes the payment terminal provided by any of the above embodiments, and further includes a computer having a second USB interface matching the first USB interface of the payment terminal, the payment terminal and the computer passing the first USB interface, the second The USB interface performs data interaction.
  • the first USB interface in the payment terminal can perform data interaction with an external device having a communication unit matched thereto, such as data interaction with a computer having the same USB interface;
  • the first audio interface in the terminal can perform data interaction with an external device having a communication unit that matches it, such as data interaction with a mobile terminal that also has an audio interface.
  • the terminal devices currently held by individuals usually have ready-made USB interfaces and/or audio interfaces, such as existing computers have ready-made USB interfaces, mobile terminals have ready-made audio interfaces, and the payment provided by the present invention
  • the terminal includes the first USB interface and the first audio interface
  • the payment terminal provided by the present invention is compatible with various devices, and the same payment terminal can be used on the mobile terminal, and can be used on a computer, and the application range is wider. .

Abstract

公开了一种支付终端、支付系统及支付方法。支付终端（1）包括主控模块（11），还包括分别与主控模块（11）连接的第一USB接口（12）和第一音频接口（13）；主控模块（11）用于身份识别及安全认证；第一USB接口（12）、第一音频接口（13）用于主控模块（11）与外部设备进行数据交互。支付系统包括上述支付终端（1），还包括具有与支付终端（1）中第一音频接口（13）相匹配的第二音频接口的移动终端，或者具有与支付终端中第一USB接口（12）相匹配的第二USB接口的计算机。通过以上技术方案，有效的解决了传统支付终端无法较好的应用在用户个人持有的终端设备上的问题。

Description

一种支付终端、支付系统及支付方法 技术领域
本发明涉及电子支付领域，尤其涉及一种支付终端、支付系统及支付方法。
 背景技术
传统的支付终端是一种广泛应用于公共场所（如银行、商户等）为用户提供各种支付功能的设备。用户只有到达设有这类支付终端的公共场所，才可以完成支付功能，这给人们的使用带来不便。
随着移动终端如手机、平板电脑等迅速的发展，人们的生活越来越便捷，如何实现支付终端的个人持有，即将支付终端应用在用户个人电脑、移动终端上，是目前急需要解决的问题。
 技术问题
本发明提供一种支付终端、支付系统及支付方法，解决传统支付终端无法应用在用户个人持有的终端设备上的问题；进一步的，解决传统支付终端无法与不同设备实现兼容的问题。
技术解决方案
为解决上述技术问题，本发明采用以下技术方案:
一种支付终端，包括主控模块，还包括第一USB接口和第一音频接口；所述第一USB接口、第一音频接口分别与所述主控模块相连；所述主控模块用于身份识别及安全认证；所述第一USB接口、第一音频接口用于所述主控模块与外部设备进行数据交互。
进一步的，所述第一音频接口包括音频插头和第一数据转换模块，所述音频插头用于与外部设备的音频插槽相连，与所述音频插槽进行音频数据的交互；所述第一数据转换模块用于将音频插头接收的音频数据转换成数字数据，并发送至所述主控模块，以及用于将所述主控模块发出的数字数据转换成音频数据，发送至音频插头；或者，
所述第一音频接口包括麦克风、喇叭和第二数据转换模块；所述麦克风和喇叭用于通过声波的方式与外部设备进行音频数据的交互；所述第二数据转换模块用于将麦克风接收的音频数据转换成数字数据，并发送至所述主控模块，以及用于将所述主控模块发出的数字数据转换成音频数据，发送至喇叭。
进一步的，所述主控模块包括安全芯片或者支持不同发卡商的多张PSAM卡。
进一步的，所述支付终端还包括用于供电的电源模块，所述电源模块与所述主控模块相连。
进一步的，所述支付终端还包括用于存储数据的存储模块、用于显示数据的显示模块和/或用于通过生物特征进行身份识别的生物识别模块；所述存储模块、显示模块、生物识别模块分别与所述主控模块相连。
进一步的，所述支付终端还包括用于开启和/或关闭所述第一USB接口、第一音频接口的按键模块，所述按键模块通过所述主控模块与所述第一USB接口、第一音频接口相连，或者直接与所述第一USB接口、第一音频接口相连。
进一步的，所述支付终端还包括刷卡模块，所述刷卡模块与所述主控模块相连，用于支持用户的刷卡操作，对卡片进行读和/或写操作。
一种支付系统，包括上述任一项所述的支付终端，还包括具有与所述支付终端中第一音频接口相匹配的第二音频接口的移动终端，所述支付终端与所述移动终端通过所述第一音频接口、第二音频接口进行数据交互。
一种支付系统，其特征在于，包括上述任一项所述的支付终端，还包括具有与所述支付终端中第一USB接口相匹配的第二USB接口的计算机，所述支付终端与所述计算机通过所述第一USB接口、第二USB接口进行数据交互。
一种支付方法，包括：通过第一USB接口和/或第一音频接口接收外部设备发送的待效验数据；根据所述待效验数据进行身份识别及安全认证；相应地通过所述第一USB接口和/或第一音频接口向外部设备反馈效验结果。
进一步的，通过第一音频接口接收外部设备发送的待效验数据具体为：通过音频插头接收外部设备发送的音频格式的待效验数据，并将所述音频格式的待效验数据转换成数字格式；通过第一音频接口向外部设备反馈效验结果具体为：将数字格式的效验结果转换成音频格式，通过音频插头向外部设备反馈。
进一步的，通过第一音频接口接收外部设备发送的待效验数据具体为：通过麦克风接收外部设备发送的音频格式的待效验数据，并将所述音频格式的待效验数据转换成数字格式；通过第一音频接口向外部设备反馈效验结果具体为：将数字格式的效验结果转换成音频格式，通过喇叭向外部设备反馈。
 有益效果
本发明提供的支付终端、支付系统及支付方法，支付终端中包括第一USB接口和第一音频接口，第一USB接口可以与具有与其相匹配的通信单元的外部设备进行数据交互，如与同样具有USB接口的计算机进行数据交互；第一音频接口可以与具有与其相匹配的通信单元的外部设备进行数据交互，如与同样具有音频接口的移动终端进行数据交互。解决了传统的支付终端无法应用在用户个人电脑、移动终端上的问题。同时，本发明提供的支付终端既包括第一USB接口，又包括第一音频接口，能够兼容各种不同的设备，实现同一支付终端即能够在移动终端上使用，又能够在计算机上使用，应用范围更加广泛。
 附图说明
图1为本发明一实施例提供的支付终端的示意图；
图2为图1所示支付终端中第一音频接口的示意图；
图3为图1所示支付终端中第一音频接口的另一示意图；
图4为本发明另一实施例提供的支付终端的示意图；
图5为本发明另一实施例提供的支付终端的示意图；
图6本发明另一实施例提供的支付终端的示意图；
图7为图6所示支付终端中第一音频接口的示意图；
图8为图6所示支付终端中第一音频接口的另一示意图；
图9本发明另一实施例提供的支付终端的示意图；
图10本发明另一实施例提供的支付终端的示意图。
 本发明的最佳实施方式
本发明的支付终端中包括第一USB接口和第一音频接口。其中，第一USB接口用于与具有与其相匹配的通信单元的外部设备进行数据交互，如与同样具有USB接口的计算机进行数据交互；第一音频接口用于与具有与其相匹配的通信单元的外部设备进行数据交互，如与同样具有音频接口的移动终端进行数据交互。本发明的支付终端可以是用于在电子支付过程中进行身份识别及安全认证的智能密钥装置，也可以是具备刷卡功能的POS终端。
下面通过具体实施方式结合附图对本发明作进一步详细说明。
本实施例中的支付终端同时包括第一USB接口和第一音频接口，当然实际应用中，可以仅包括两者之一。图1为本实施例提供的支付终端的示意图，如图1所示，该支付终端1，包括主控模块11、第一USB接口12和第一音频接口13；第一USB接口12、第一音频接口13与主控模块11相连。主控模块11用于身份识别及安全认证。优选的，主控模块11包括安全芯片或者支持不同发卡商的多张PSAM卡。第一USB接口12 、第一音频接口13用于主控模块11与外部设备进行数据交互。具体的，第一USB接口12用于与具有与其相匹配的通信单元的外部设备进行数据交互，如与同样具有USB接口的计算机进行数据交互；第一音频接口13用于与具有与其相匹配的通信单元的外部设备进行数据交互，如与同样具有对应的音频接口的移动终端（例如手机、IPAD或笔记本等）进行数据交互。
在本发明一实施例中，支付终端1还可以包括用于开启和/或关闭第一USB接口12、第一音频接口13的开关模块，优选该开关模块为按键模块，该按键模块可以通过主控模块11与第一USB接口12、第一音频接口13相连，或者直接与第一USB接口12、第一音频接口13相连。按键模块还可以用于输入信息，如输入支付密码、交易金额、校验码等，还可以用于确认信息或取消信息，如按下确认键，表示用户同意交易，按下取消键，表示用户放弃交易。
图2为本发明一实施例提供的第一音频接口13的示意图，如图2所示，第一音频接口13进一步包括音频插头131和第一数据转换模块132，音频插头131用于与外部设备的音频插槽相连，与音频插槽进行音频数据的交互，也即支付终端通过第一音频插头131与外部设备的音频插槽相连以与外部设备进行数据交互，应当理解的是，此处所交互的数据可包括用于支付用的数据外的其他数据。第一数据转换模块132用于将主控模块11与音频插头131相连，用于将音频插头131接收的音频数据转换成数字数据，并发送至主控模块11，以及将主控模块11发送的数字数据转换成音频数据发送至音频插头131。第一数据转换模块132可以包括A/D转换模块和D/A转换模块，A/D转换模块用于将音频插头131接收的音频数据转换成数字数据，并发送至主控模块11，D/A转换模块用于将主控模块11发送的数字数据转换成音频数据，发送至音频插头131。
图3为本发明一实施例提供的第一音频接口13的另一示意图，如图3所示，第一音频接口13进一步包括麦克风133、喇叭134和第二数据转换模块135，这是一种无线通讯方式，更加便捷。麦克风133用于通过声波的方式接收外部设备的音频数据，喇叭134用于通过声波的方式向外部设备发送音频数据，第二数据转换模块135将麦克风133、喇叭134与主控模块11相连，用于将麦克风133接收的音频数据转换成数字数据，并发送至主控模块11，以及将主控模块11发出的数字数据转换成音频数据，发送至喇叭134。第二数据转换模块135也可以包括A/D转换模块和D/A转换模块，A/D转换模块用于将麦克风133接收的音频数据转换成数字数据，并发送至主控模块11，D/A转换模块将主控模块11发出的数字数据转换成音频数据，发送至喇叭134。
以上实施例中的支付终端1不包括刷卡模块，因此其不具备刷卡功能，仅用于在电子支付过程中进行身份识别及安全认证，类似如智能密钥装置，其工作过程可以是：
以用户在具有第二USB接口的计算机上进行交易为例，将支付终端1的第一USB接口12与计算机的第二USB接口相连，完成连接后，用户在计算机上产生交易时，计算机通过第二USB接口下发命令给支付终端1的第一USB接口12，第一USB接口12将接到的命令转送至主控模块11，主控模块11对命令的合法性做校验（包括身份识别及安全认证），效验完成后，通过第一USB接口12与第二USB接口之间的相连，向计算机反馈校验结果，计算机根据该校验结果完成或取消电子支付。
以支付终端1的第一音频接口13包括音频插头131和第一数据转换模块132，且用户在具有音频插槽的移动终端上进行交易为例，将支付终端1的音频插头131插入移动终端的音频插槽，完成连接后，用户在移动终端上产生交易时，移动终端通过音频插槽下发音频格式的命令给支付终端1的音频插头131，音频插头131将接到的命令发送至第一数据转换模块132，第一数据转换模块132将音频数据格式的命令转换成数字格式，转送至主控模块11，主控模块11对命令的合法性做校验（包括身份识别及安全认证），效验完成后，将校验结果发送至第一数据转换模块132，第一数据转换模块132将数字格式的校验结果转换成音频格式，并通过音频插头与音频插槽之间的相连向移动终端反馈，移动终端根据该校验结果完成或取消电子支付。
以支付终端1的第一音频接口13包括麦克风133、喇叭134和第二数据转换模块135，且用户在具有喇叭和麦克风的移动终端上进行交易为例，用户在移动终端上产生交易时，移动终端通过喇叭发出声波的方式下发命令，支付终端1的麦克风133接收该音频格式的命令，麦克风133将接到的音频格式的命令转送至第二数据转换模块135，第二数据转换模块135将音频数据格式的命令转换成数字格式，转送至主控模块11，主控模块11对命令的合法性做校验（包括身份识别及安全认证），效验完成后，将校验结果发送至第二数据转换模块135，第二数据转换模块135将数字格式的校验结果转换成音频格式，并通过喇叭134发出声波的方式发送出去，移动终端的麦克风接收该校验结果，移动终端根据该校验结果完成或取消电子支付。
以上各实施例中，支付终端1还可以进一步包括用于供电的电源模块，如图4所示的支付终端，该支付终端与图1所示的支付终端1的不同之处在于：支付终端1还包括用于给支付终端1供电的电源模块14，电源模块14与主控模块11相连。电源模块14可以为一次电池（primary cell 、primary battery，即原电池，俗称干电池，是放电后不能再充电使其复原的电池）、二次电池（ Rechargeable battery，又称为充电电池，是指在电池放电后可通过充电的方式使活性物质激活而继续使用的电池）和/或电源管理模块。电源管理模块与主控模块11相连，还与第一USB接口12和/或第一音频接口13相连，用于从第一USB接口12和/或第一音频接口13获取供电电能。优选的，电源模块包括二次电池和电源管理模块，电源管理模块从第一USB接口12和/或第一音频接口13获取供电电能之后，给二次电池进行充电。
以上各实施例中，支付终端1还可以进一步包括存储模块、显示模块和/或生物识别模块，存储模块、显示模块、生物识别模块可以通过主控模块11从电源模块14获取供电电能，或者存储模块、显示模块、生物识别模块直接与电源模块14相连，直接从电源模块14获取供电电能。生物识别模块用于获取用户的生物特征，通过该生物特征对用户进行身份识别；本实施例中的生物识别模块可以为指纹识别模块、眼膜识别模块等。如图5所示的支付终端，该支付终端与图4所示的支付终端1的不同之处在于：支付终端1还包括存储模块15和显示模块16，存储模块15、显示模块16分别与主控模块11相连。存储模块15用于存储用户的私钥、数字证书、运算算法、支付过程中产生的交易数据等。显示模块16用于显示支付过程中产生的交易数据，如需要用户确认的金额数据、主控模块11产生的密钥等。
进一步的，支付终端1还可包括用于连接外部存储单元的内存扩展接口，内存扩展接口与主控模块11相连，设置内存扩展接口的目的是扩展支付终端1的存储空间。
图6为本发明另一实施例提供的支付终端的示意图，如图6所示，该支付终端2，包括主控模块21、第一USB接口22、第一音频接口23和刷卡模块24。第一USB接口22、第一音频接口23、刷卡模块24分别与主控模块21相连。主控模块21用于身份识别及安全认证。优选的，主控模块21包括安全芯片或者支持不同发卡商的多张PSAM卡。刷卡模块24用于支持用户的刷卡操作，对卡片进行读和/或写操作，将读从卡片读取到的数据发送至主控模块21，将主控模块21命令写入的数据写入卡片。第一USB接口22 、第一音频接口23用于主控模块21与外部设备进行数据交互。具体的，第一USB接口22用于与具有与其相匹配的通信单元的外部设备进行数据交互，如与同样具有USB接口的计算机进行数据交互；第一音频接口23用于与具有与其相匹配的通信单元的外部设备进行数据交互，如与同样具有对应的音频接口的移动终端（例如手机、IPAD或笔记本等）进行数据交互。本实施例中的刷卡模块24支持磁条式读卡、接触式IC卡读卡、非接触式IC卡读卡等多种刷卡方式。
在本发明一实施例中，支付终端2还可以包括用于开启和/或关闭第一USB接口22、第一音频接口23的开关模块，该开关模块优选为按键模块，该按键模块可以通过主控模块21与第一USB接口22、第一音频接口23相连，或者直接与第一USB接口12、第一音频接口23相连。按键模块还可以用于输入信息，如输入支付密码、交易金额、校验码等，还可以用于确认信息或取消信息，如按下确认键，表示用户同意交易，按下取消键，表示用户放弃交易。
图7为本发明一实施例提供的第一音频接口23的示意图，如图7所示，第一音频接口23进一步包括音频插头231和第一数据转换模块232，音频插头231用于与外部设备的音频插槽相连，与音频插槽进行音频数据的交互，第一数据转换模块232与主控模块21、音频插头231相连，用于将音频插头231接收的音频数据转换成数字数据，并发送至主控模块21，将主控模块21发出的数字数据转换成音频数据，发送至音频插头231。第一数据转换模块232可以包括A/D转换模块和D/A转换模块，A/D转换模块用于将音频插头231接收的音频数据转换成数字数据，并发送至主控模块21，D/A转换模块用于将主控模块21发出的数字数据转换成音频数据，发送至音频插头231。
图8为本发明一实施例提供的第一音频接口23的另一示意图，如图8所示，第一音频接口23包括麦克风233、喇叭234和第二数据转换模块235，这是一种无线通讯方式，更加便捷。麦克风233用于通过声波的方式接收外部设备的音频数据，喇叭用234于通过声波的方式向外部设备发送音频数据，第二数据转换模块235与麦克风233、喇叭234、主控模块21相连，用于将麦克风233接收的音频数据转换成数字数据，并发送至主控模块21，将主控模块21发出的数字数据转换成音频数据，发送至喇叭234。第二数据转换模块235可以包括A/D转换模块和D/A转换模块，A/D转换模块用于将麦克风233接收的音频数据转换成数字数据，并发送至主控模块21，D/A转换模块将主控模块21发出的数字数据转换成音频数据，发送至喇叭234。
该实施例中的支付终端2具备刷卡模块24，类似如POS终端，其工作过程可以是：
以用户在具有第二USB接口的计算机上进行交易为例，将支付终端2的第一USB接口22与计算机的第二USB接口相连，完成连接后，用户在计算机上产生交易时，计算机通过第二USB接口下发命令给支付终端2的第一USB接口22，第一USB接口22将接到的命令转送至主控模块21，主控模块21对命令的合法性做校验（包括身份识别及安全认证），效验通过后，通知刷卡模块24等待刷卡，用户刷卡完成后，刷卡模块24把从卡片读取的数据传至主控模块21，主控模块21通过第一USB接口22与第二USB接口之间的相连，向计算机反馈，计算机根据该数据完成或取消电子支付。
以支付终端2的第一音频接口23包括音频插头231和第一数据转换模块232，且用户在具有音频插槽的移动终端上进行交易为例，将支付终端2的音频插头231插入移动终端的音频插槽，完成连接后，用户在移动终端上产生交易时，移动终端通过音频插槽下发音频格式的命令给支付终端2的音频插头231，音频插头231将接到的命令发送至第一数据转换模块232，第一数据转换模块232将音频数据格式的命令转换成数字格式，转送至主控模块21，主控模块21对命令的合法性做校验（包括身份识别及安全认证），效验通过后，通知刷卡模块24等待刷卡，用户刷卡完成后，刷卡模块24把从卡片读取的数据传至主控模块21，主控模块21进行加密后（也可以不加密）发送至第一数据转换模块232，第一数据转换模块232将数字格式的数据转换成音频格式，并通过音频插头与音频插槽之间的相连向移动终端反馈，移动终端根据该数据完成或取消电子支付。
以支付终端2的第一音频接口23包括麦克风233、喇叭234和第二数据转换模块235，且用户在具有喇叭和麦克风的移动终端上进行交易为例，用户在移动终端上产生交易时，移动终端通过喇叭发出声波的方式下发命令，支付终端2的麦克风233接收该音频格式的命令，麦克风将接到的音频格式的命令转送至第二数据转换模块235，第二数据转换模块235将音频数据格式的命令转换成数字格式，转送至主控模块21，主控模块21对命令的合法性做校验（包括身份识别及安全认证），效验通过后，通知刷卡模块24等待刷卡，用户刷卡完成后，刷卡模块24把从卡片读取的数据传至主控模块21，主控模块21进行加密后（也可以不加密）发送至第二数据转换模块235，第二数据转换模块将数字格式的数据转换成音频格式，并通过喇叭234发出声波的方式发送出去，移动终端的麦克风接收该密钥，移动终端根据该数据完成或取消电子支付。
以上各实施例中，支付终端2还可以进一步包括用于供电的电源模块，如图9所示的支付终端，该支付终端与图6所示的支付终端2的不同之处在于：支付终端2还包括用于给支付终端2供电的电源模块25，电源模块25与主控模块21相连。电源模块25可以为一次电池、二次电池和/或电源管理模块。电源管理模块与主控模块21相连，还与第一USB接口22和/或第一音频接口23相连，用于从第一USB接口22和/或第一音频接口23获取供电电能。优选的，电源模块包括二次电池和电源管理模块，电源管理模块从第一USB接口22和/或第一音频接口23获取供电电能之后，给二次电池进行充电。
以上各实施例中，支付终端2还可以包括存储模块、显示模块和/或生物识别模块，生物识别模块用于获取用户的生物特征，通过该生物特征对用户进行身份识别。存储模块、显示模块、生物识别模块可以通过主控模块21从电源模块获取供电电能，或者存储模块、显示模块、生物识别模块直接与电源模块相连，直接从电源模块获取供电电能。如图10所示的支付终端，该支付终端与图9所示的支付终端2的不同之处在于：支付终端2还包括存储模块26和显示模块27，存储模块26、显示模块27分别与主控模块21相连。存储模块26用于存储用户的私钥、数字证书、运算算法、支付过程中产生的交易数据等。显示模块27用于显示支付过程中产生的交易数据，如需要用户确认的金额数据、主控模块21产生的密钥等。
进一步的，支付终端2还可包括用于连接外部存储单元的内存扩展接口，内存扩展接口与主控模块21相连，设置内存扩展接口的目的是扩展支付终端2的存储空间。
本发明还包括一种支付系统，支付系统包括上述任一实施例提供的支付终端，还包括具有与该支付终端中第一音频接口相匹配的第二音频接口的移动终端，该支付终端与该移动终端通过该第一音频接口、第二音频接口进行数据交互。或者，
支付系统包括上述任一实施例提供的支付终端，还包括具有与该支付终端中第一USB接口相匹配的第二USB接口的计算机，该支付终端与该计算机通过该第一USB接口、第二USB接口进行数据交互。
本发明提供的支付终端、支付系统及支付方法，支付终端中的第一USB接口可以与具有与其相匹配的通信单元的外部设备进行数据交互，如与同样具有USB接口的计算机进行数据交互；支付终端中的第一音频接口可以与具有与其相匹配的通信单元的外部设备进行数据交互，如与同样具有音频接口的移动终端进行数据交互。解决了传统的支付终端无法应用在用户个人电脑、移动终端上的问题。同时，由于目前个人持有的终端设备通常具有现成的USB接口和/或音频接口，如现有的计算机都具有现成的USB接口、移动终端都具有现成的音频接口一样，而本发明提供的支付终端包括第一USB接口和第一音频接口时，因此本发明提供的支付终端兼容各种不同的设备，实现同一支付终端即能够在移动终端上使用，又能够在计算机上使用，应用范围更加广泛。
以上内容是结合具体的实施方式对本发明所作的进一步详细说明，不能认定本发明的具体实施只局限于这些说明。对于本发明所属技术领域的普通技术人员来说，在不脱离本发明构思的前提下，还可以做出若干简单推演或替换，都应当视为属于本发明的保护范围。
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  1. 一种支付终端，其特征在于，包括主控模块，还包括第一USB接口和第一音频接口；所述第一USB接口、第一音频接口分别与所述主控模块相连；所述主控模块用于身份识别及安全认证；所述第一USB接口、第一音频接口用于所述主控模块与外部设备进行数据交互。
  2. 如权利要求1所述的支付终端，其特征在于，所述第一音频接口包括音频插头和第一数据转换模块，所述音频插头用于与外部设备的音频插槽相连，与所述音频插槽进行音频数据的交互；所述第一数据转换模块用于将音频插头接收的音频数据转换成数字数据，并发送至所述主控模块，以及用于将所述主控模块发出的数字数据转换成音频数据，发送至音频插头；
    或者，
    所述第一音频接口包括麦克风、喇叭和第二数据转换模块；所述麦克风和喇叭用于通过声波的方式与外部设备进行音频数据的交互；所述第二数据转换模块用于将麦克风接收的音频数据转换成数字数据，并发送至所述主控模块，以及用于将所述主控模块发出的数字数据转换成音频数据，发送至喇叭。
  3. 如权利要求1所述的支付终端，其特征在于，所述主控模块包括安全芯片和/或支持不同发卡商的多张PSAM卡。
  4. 如权利要求1所述的支付终端，其特征在于，所述支付终端还包括用于供电的电源模块，所述电源模块与所述主控模块相连。
  5. 如权利要求1所述的支付终端，其特征在于，所述支付终端还包括用于存储数据的存储模块、用于显示数据的显示模块和/或用于通过生物特征进行身份识别的生物识别模块；所述存储模块、显示模块、生物识别模块分别与所述主控模块相连。
  6. 如权利要求1所述的支付终端，其特征在于，所述支付终端还包括用于开启和/或关闭所述第一USB接口、第一音频接口的按键模块，所述按键模块通过所述主控模块与所述第一USB接口、第一音频接口相连，或者直接与所述第一USB接口、第一音频接口相连。
  7. 如权利要求1至6任一项所述的支付终端，其特征在于，所述支付终端还包括刷卡模块，所述刷卡模块与所述主控模块相连，用于支持用户的刷卡操作，对卡片进行读和/或写操作。
  8. 一种支付系统，其特征在于，包括如权利要求1至7任一项所述的支付终端，还包括具有与所述支付终端中第一音频接口相匹配的第二音频接口的移动终端，所述支付终端与所述移动终端通过所述第一音频接口、第二音频接口进行数据交互。
  9. 一种支付系统，其特征在于，包括如权利要求1至7任一项所述的支付终端，还包括具有与所述支付终端中第一USB接口相匹配的第二USB接口的计算机，所述支付终端与所述计算机通过所述第一USB接口、第二USB接口进行数据交互。
  10. 一种支付方法，其特征在于，包括：
    通过第一USB接口和/或第一音频接口接收外部设备发送的待效验数据；
    根据所述待效验数据进行身份识别及安全认证；
    相应地通过所述第一USB接口和/或第一音频接口向外部设备反馈效验结果。
  11. 如权利要求10所述的支付方法，其特征在于，通过第一音频接口接收外部设备发送的待效验数据具体为：通过音频插头接收外部设备发送的音频格式的待效验数据，并将所述音频格式的待效验数据转换成数字格式；通过第一音频接口向外部设备反馈效验结果具体为：将数字格式的效验结果转换成音频格式，通过音频插头向外部设备反馈。
  12. 如权利要求10所述的支付方法，其特征在于，通过第一音频接口接收外部设备发送的待效验数据具体为：通过麦克风接收外部设备发送的音频格式的待效验数据，并将所述音频格式的待效验数据转换成数字格式；通过第一音频接口向外部设备反馈效验结果具体为：将数字格式的效验结果转换成音频格式，通过喇叭向外部设备反馈。
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