WO2015154553A1 - 一种声波支付方法及系统 - Google Patents

一种声波支付方法及系统 Download PDF

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Publication number
WO2015154553A1
WO2015154553A1 PCT/CN2015/070395 CN2015070395W WO2015154553A1 WO 2015154553 A1 WO2015154553 A1 WO 2015154553A1 CN 2015070395 W CN2015070395 W CN 2015070395W WO 2015154553 A1 WO2015154553 A1 WO 2015154553A1
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audio
frame
transaction
unit
data
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PCT/CN2015/070395
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English (en)
French (fr)
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张炽成
黄继翔
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福建联迪商用设备有限公司
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3272Short range or proximity payments by means of M-devices using an audio code
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the present invention relates to the field of mobile payment, and in particular, to a method and system for sound wave payment.
  • Mobile payment enables consumers to use physical currency to settle goods and services, but to carry out corresponding mobile electronic terminal devices. Settlement and payment. Compared with the traditional physical money payment method, this electronic payment eliminates the trouble and risk of consumers carrying a large amount of cash money, and also effectively improves the efficiency of payment settlement, and is being welcomed by more and more merchants and consumers. . Most of these mobile electronic payments are applied to near-field communication technologies for data interaction.
  • Bluetooth Infrared data transmission
  • near-field communication NFC near-field communication NFC
  • two-dimensional code scanning The characteristics of these communication technologies are as follows:
  • Bluetooth technology requires manual operation to select a pairing object to establish a connection, which is not suitable for applications that require fast transmission (such as settlement payment, etc.), and the chip price is high.
  • Infrared data transmission is a kind of line-of-sight transmission. Two devices that communicate with each other must be aligned. Because of its weak penetrating power, there is no other object in the communication device. Therefore, its application, reliability and resistance are applicable. The interference capability is poor, and its data transmission rate is low, and most mobile terminals are not equipped with infrared components, so the transmission function cannot be supported.
  • the two-dimensional code technology has better fault tolerance and recognition rate, but it has certain requirements for the camera lens of the payment and cashier terminal, and also has certain requirements for the two-dimensional code displayed on the screen. And need manual alignment The QR code is scanned, so the operation takes a long time.
  • Table 1 below lists the applicability of these technologies to the offline payment requirements of mobile payment terminals and cashier devices. There is no single technology that perfectly satisfies all of the above key requirements.
  • the invention provides a method for secure payment of sound waves, comprising the following steps: S1.
  • the payment terminal establishes an order and acquires transaction information corresponding to the transaction data of the order from the network end database, encrypts the transaction information using the key, and performs RS coding to generate a data frame.
  • the data frame is modulated by a single tone multi-frequency algorithm to generate an audio frame and the corresponding audio is played; S2, the receiving end acquires the audio, and then performs a fast Fourier transform FFT algorithm to demodulate and generate a data frame, and the data frame
  • the pre-stored key is used to decrypt and generate the transaction information, and then the transaction information is used to obtain the corresponding transaction data from the network-side database and displayed, and then the confirmation transaction instruction corresponding to the transaction data is sent to the network-side database; S3.
  • the network side database After receiving the confirmation transaction instruction, the network side database performs a payment operation on the corresponding transaction data.
  • An acoustic secure payment system including a payment terminal, a payment terminal, and a network side database, the payment terminal includes a first audio transmitting unit and a first audio receiving unit, and the receiving terminal includes a second audio transmitting unit and a second audio receiving unit, the payment terminal comprising: an order establishing unit for establishing an order and acquiring transaction information corresponding to the transaction data of the order from the network side database; and a first transaction unit for using the key for the transaction information Encrypt and RS code to generate data frames, then The data frame is modulated by a tone multi-frequency algorithm to generate an audio frame and played by the first audio sending unit; the receiving end includes: a second transaction unit, configured to acquire the audio by using the second audio receiving unit Deriving a fast Fourier transform FFT algorithm to generate a data frame, performing RS decoding on the data frame, and decrypting using a pre-stored key to generate transaction information; and a transaction confirmation unit for using the transaction information from the network side database Obtaining corresponding transaction data and displaying the payment terminal
  • the invention has the beneficial effects that the encryption key K of the present invention is randomly generated, and the security is high and is not easily broken. Meanwhile, the process of transmitting the encryption key of the present invention simultaneously serves as a step of verifying whether the sound wave connection succeeds, and succeeds or fails.
  • the control frame informs the transmitting end to receive the result, thereby pushing the transmitting end to enter the next stage or retransmitting the data, thereby improving the transmission reliability; further, the present invention transmits the acoustic wave signal in the high frequency band (16-18 kHz), and adopts a single tone.
  • the frequency modulation mode improves the frequency interval used, and can effectively resist the sound frequency interference of the natural environment;
  • the sound wave transmission process of the present invention is composed of a connection establishment process and a data transmission process, and both are two-way communication processes, and have a controllable retransmission function. Improves transmission reliability.
  • FIG. 1 is a system block diagram of an acoustic wave payment system in accordance with an embodiment of the present invention
  • FIG. 2 is a flowchart of execution of an acoustic wave payment method according to an embodiment of the present invention
  • FIG. 3 is a flow chart showing an execution of sound wave payment in an example
  • Figure 4 is a schematic diagram of a control mark
  • FIG. 5 is a schematic structural diagram of a data frame
  • FIG. 6 is a schematic structural diagram of a control frame
  • FIG. 7 is a flow chart of execution of a handshake connection between a payment end and a payment end to establish an acoustic connection
  • Figure 8 is a flow chart showing the execution of sound wave transmission of transaction information.
  • the present invention provides an acoustic wave payment system and method, in which the payment encryption key K is randomly generated, and the process of transmitting the encryption key is used as a step of verifying whether the sound wave connection is successful, and succeeds. Or the failed control frame informs the transmitting end to receive the result, thereby pushing the transmitting end to enter the next stage or retransmitting the data, thereby improving the transmission reliability; in addition, the present invention transmits the acoustic signal in the high frequency band (16-18 kHz) and adopts a single tone.
  • the multi-frequency modulation method improves the frequency interval used and can effectively resist the sound frequency interference of the natural environment.
  • FIG. 1 is a system block diagram of an acoustic wave payment system according to an embodiment of the present invention.
  • the sonic payment system 100 includes a payment terminal 10, a network side database 20, and a payment terminal 30.
  • the payment terminal 30 includes a first audio transmitting unit and a first audio receiving unit
  • the receiving terminal 10 includes a second audio transmitting unit and a second audio receiving unit.
  • the payment terminal 10 is installed on the cash register terminal or the financial POS of the merchant with the audio function
  • the payment terminal 30 is installed on the mobile terminal (such as a mobile phone or a tablet computer) with the audio function of the customer
  • the network side database is located to provide the payment service.
  • the payment service provider system In the payment service provider system.
  • the payment terminal 30 includes an order establishing unit and a first transaction unit, and the order establishing unit is configured to establish an order and acquire transaction information corresponding to the transaction data of the order from the network end database; the first transaction unit is used for The transaction information is encrypted using a key and RS-encoded to generate a data frame, and then the data frame is subjected to a monophonic multi-frequency algorithm modulation to generate an audio frame and the corresponding audio is played by the first audio transmitting unit.
  • the payment terminal 10 includes a second transaction unit and a transaction confirmation unit, and the second transaction unit is configured to obtain the data frame by performing fast Fourier transform FFT algorithm on the audio after acquiring the audio by the second audio receiving unit, After the data frame is RS decoded, the pre-stored key is used for decryption to generate transaction information; the transaction confirmation unit is configured to use the transaction information to obtain corresponding transaction data from the network-side database and display the transaction data. Then, the confirmation transaction instruction corresponding to the transaction data is sent to the network side database.
  • the network side database 20 is configured to perform a payment operation on the corresponding transaction data after receiving the confirmation transaction instruction.
  • the payment end further includes a first feedback unit
  • the payment terminal further includes a first feedback response unit.
  • the first feedback unit is configured to: after the second transaction unit successfully decodes, play the successful control audio corresponding to the successful control frame modulated by the tone multi-frequency algorithm by the second audio sending unit; when the decoding fails, pass the second audio
  • the sending unit plays the failure control audio corresponding to the failure control frame modulated by the tone multi-frequency algorithm.
  • the first feedback response unit is configured to: after the first audio receiving unit acquires the successfully controlled audio or the failed control audio, perform a fast Fourier transform FFT algorithm to generate a successful control frame or a failure control frame, and The first transaction unit is notified to perform the "play corresponding audio by the first audio transmitting unit" operation when the failure control frame is generated.
  • the first transaction unit includes a first connection unit and a connection confirmation unit, where the first connection unit is configured to randomly generate a DES key and RS-encode it to form a key data frame, and then compact The key data frame is modulated into a key audio frame by a tone multi-frequency algorithm and played by the first audio transmitting unit; the second transaction unit includes a second connection unit for acquiring by the second audio receiving unit After the key audio, it is subjected to fast Fourier transform FFT algorithm demodulation, and then RS decoding is performed to determine whether the decoding is successful. If successful, the DES key is stored and played through the second audio transmitting unit through the tone multi-frequency modulation.
  • the connection confirming unit is configured to pass the first audio receiving unit
  • the obtained successful control audio or failure control audio is subjected to fast Fourier transform FFT algorithm demodulation to obtain a successful control frame or a failure control frame, And when the success control frame is generated, the first transaction unit is notified to perform the “monophonic multi-frequency algorithm modulation on the data frame to generate an audio frame and play the corresponding audio through the first audio sending unit”.
  • the data frame or the key data frame includes data, a start flag, and an end flag;
  • the success control frame includes a start flag, an end flag, and a correct flag;
  • the failure control frame includes a start flag, End flag and error flag; each start flag, end flag, error flag, or correct flag is composed of two control symbols.
  • the “monophonic multi-frequency algorithm modulation on the data frame” is specifically: encoding, for each byte of data, a high frequency tone signal of four frequencies, Each symbol is encoded with a high frequency tone signal of 2 frequencies.
  • FIG. 2 is a flowchart of execution of a method for sound wave payment according to an embodiment of the present invention.
  • the sound wave secure payment method is applied to the sound wave secure payment system, and the method comprises the following steps:
  • Step S1 The payment terminal establishes an order and acquires transaction information corresponding to the transaction data of the order from the network end database, encrypts the transaction information using the key, performs RS coding to generate a data frame, and then performs monophonic multi-frequency on the data frame.
  • the algorithm modulates to generate an audio frame and plays the corresponding audio;
  • Step S2 After receiving the audio, the receiving end performs a fast Fourier transform FFT algorithm to demodulate and generate a data frame, performs RS decoding on the data frame, decrypts the generated information with a pre-stored key, and then uses the transaction information. Obtaining corresponding transaction data from the network side database and displaying the same, and then sending a confirmation transaction instruction corresponding to the transaction data to the network side database;
  • Step S3 After receiving the confirmation transaction instruction, the network side database performs a payment operation on the corresponding transaction data.
  • the step S2 includes: after performing RS decoding on the data frame, the method further includes the following steps:
  • the receiving end plays the successful control audio corresponding to the successful control frame modulated by the single tone multi-frequency algorithm; when the decoding fails, the receiving end plays the failure control corresponding to the failed control frame modulated by the single tone multi-frequency algorithm. Audio; and
  • the payment terminal After the payment terminal obtains the successful control audio or the failure control audio, it performs a fast Fourier transform FFT algorithm to generate a success control frame or a failure control frame, and returns to perform step S1 when the failure control frame is generated.
  • the "Play the corresponding audio" step After the payment terminal obtains the successful control audio or the failure control audio, it performs a fast Fourier transform FFT algorithm to generate a success control frame or a failure control frame, and returns to perform step S1 when the failure control frame is generated.
  • the sound wave connection establishing step further includes: “the sound wave connection establishing step is further included before the “single tone multi-frequency algorithm modulation of the data frame to generate the audio frame and playing the corresponding audio”.
  • Step S11 The payment end randomly generates a DES key and RS-encodes it to form a key data frame, and then modulates the key data frame into a key audio frame by using a tone multi-frequency algorithm and plays the corresponding key audio;
  • Step S12 After receiving the key audio, the receiving end performs demodulation by a fast Fourier transform FFT algorithm, and then performs RS decoding to determine whether the decoding is successful; if successful, the receiving end stores the DES key and plays the single pass.
  • the successful control audio corresponding to the successful control frame modulated by the multi-frequency algorithm if the failure occurs, the receiving end plays the failure control audio corresponding to the failed control frame modulated by the single-tone multi-frequency algorithm;
  • Step S13 The payment terminal performs fast Fourier on the obtained successful control audio or failure control audio. Demodulating the FFT algorithm to obtain a successful control frame or a failure control frame, and when generating a successful control frame, entering the step of "modulating the data frame by using a tone multi-frequency algorithm to generate an audio frame and playing the corresponding audio"; and when generating When the control frame is failed, the process returns to the "Play corresponding key audio" step in step S11.
  • the data frame or the key data frame includes data, a start flag, and an end flag;
  • the success control frame includes a start flag, an end flag, and a correct flag;
  • the failure control frame includes a start flag and an end Flags and error flags; each start, end, error or correct flag consists of two control symbols.
  • the “monophonic multi-frequency algorithm modulation on the data frame” is specifically: encoding four high frequency tone signals for each byte of data, and using two high frequency tone signals for each flag. Encode.
  • FIG. 3 is an execution flowchart of implementing sound wave payment in an example. The process is specifically as follows:
  • the payment terminal establishes a transaction order and obtains the transaction identifier and required information from the network side database unit via the Internet;
  • the payment side encrypts the transaction identifier and information
  • the payment end and the receiving end handshake to establish an acoustic connection
  • the pay-end multi-frequency algorithm is modulated by the sound wave, and the receiving end successfully obtains the correct sound wave audio;
  • the receiving end monophonic multi-frequency decoding identifies the transaction identifier and information
  • the payment terminal obtains the order information from the network side database unit and confirms the transaction through the Internet by using the acquired transaction identifier and information;
  • the payment end and the payment end obtain an indication of completion of the transaction from the network side database unit through the Internet.
  • single tone multi-frequency coding there are 6 frequencies f0-f5 (range 16-18 kHz), and the following table 2 is formed by single tone multi-frequency coding, including four quaternary numbers and two control symbols. Each tone signal lasts 5ms. Each quaternary number represents 2 bits of information, so one byte (8 bits) requires 4 quaternary numbers, ie one byte takes 20 ms.
  • the tone encoding algorithm only needs to use six frequencies. Therefore, the interval between the selected frequencies is large, and the selected frequencies are all in the high frequency band, so the frequency anti-interference performance is good, and the larger frequency interval is favorable for the decoding end to correctly decode.
  • FIG. 4 is a schematic diagram of the control flag.
  • the control flag consists of two control symbols with a duration of 5ms. Therefore, the two control symbols can be combined to form four control flags with a duration of 10ms. As shown in Table 3, Table 3 lists the control symbols as a list of control flags.
  • control symbol is a list of control flags
  • Audio data frame and control frame format
  • FIG. 5 is a schematic structural diagram of a data frame.
  • the data frame frame length is 320ms, and the 4-byte check byte is obtained by the RS (15, 11) algorithm (Reed-Solomon error correction code), that is, 4 check bytes can be generated for every 11 bytes of valid data, Corrected a 2-byte transmission error, the data frame valid data is less than 11 bytes of padding 0.
  • FIG. 6 which is a schematic structural diagram of a control frame, and the control frame frame is 30 ms long.
  • FIG. 7 is a flowchart of execution of a handshake connection between the payment end and the payment end.
  • Figure 8 is a flow chart showing the execution of sound wave transmission of transaction information.
  • the payment terminal establishes an order according to the price of the commodity information
  • the payment terminal order information is transmitted to the network side database unit through the Internet to request to generate a transaction;
  • the network receives the order information and generates transaction information
  • the network sends the transaction indication and related information to the payment segment
  • the payment terminal receives the transaction indication and related information via the Internet;
  • the payment terminal randomly generates a 56-bit length DES encryption key K;
  • the payment end encrypts the transaction indication and related information obtained in step 7) by using the key K, and uses DES encryption;
  • step f If the receiving end successfully decodes the RS, it sends a successful control frame to step f); if it fails, it goes to step e);
  • step g) the receiving terminal sends a failed control frame, and proceeds to step g);
  • the payment terminal receives the failure control frame and returns to step b);
  • the payment terminal stores the secret key K;
  • the payment end performs RS coding on the encrypted data in step 9) to form a data frame;
  • step f If the receiving end successfully decodes the RS, it sends a successful control frame to step f); if it fails, it goes to step e);
  • step g) the receiving terminal sends a failed control frame, and proceeds to step g);
  • the payment terminal receives the failure control frame and returns to step b);
  • the receiving end uses the secret key K to DES decrypt to identify the transaction identifier and information;
  • the payment end sends the acquired transaction identifier and information to the network side database unit via the Internet;
  • the network responds to the transaction information order to the receiving end via the Internet
  • the receiving end sends a confirmation transaction command to the network via the Internet;
  • the network sends a successful transaction message to the payment terminal and the payment terminal via the Internet;
  • the sound wave payment method and system of the invention realizes the composition of the audio connection and the transmission process, and uses the single tone multi-frequency modulation transceiver algorithm and the audio signal frame transmission manner to realize the composition of the payment terminal, the payment terminal and the network terminal.
  • the offline trading method system It has the following beneficial effects:
  • the encryption key K of the present invention is randomly generated, has high security, and is not easily broken;
  • the sound wave transmission process of the present invention is composed of a connection establishment process and a data transmission process, and is a two-way communication process, that is, after the data verification is completed, the sender receives the result through a successful or failed control frame. Thereby pushing the sender to the next stage or resending the data, improving the transmission reliability.
  • the receiving end can correct 2 error bytes of the 11 valid bytes, further improving the transmission reliability;
  • the invention transmits an acoustic wave signal in a high frequency band (16-18 kHz), and adopts a single tone multi-frequency modulation mode to improve the frequency interval used, which can effectively resist the sound frequency interference of the natural environment and embodies the anti-interference property;
  • the invention adopts DES encryption, and the key is randomly generated, which provides effective security and is not easily broken;
  • the sound wave transmission process of the present invention consists of a connection establishment process and a data transmission process, and both are two-way communication processes, and have a controllable retransmission function, which improves transmission reliability.
  • the data frame adopts the RS error correction algorithm, and the receiving end can correct 2 error bytes of the 11 valid bytes, thereby further improving the transmission reliability.
  • the invention can effectively meet the security, reliability and anti-interference characteristics required for sound wave payment, and can be widely used in various offline electronic payment.

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Abstract

一种声波安全支付方法和系统,其中方法包括如下步骤:S1、付款端建立订单并从网络端数据库获取与订单的交易数据相应的交易信息,对交易信息使用密钥进行加密并进行RS编码生成数据帧,然后对所述数据帧进行单音多频算法调制生成音频帧并播放相应音频;S2、收款端获取所述音频后对其进行快速傅里叶变换FFT算法解调生成数据帧,对数据帧进行RS解码后用预存的密钥解密生成交易信息,然后使用所述交易信息从网络端数据库获取相应的交易数据并进行显示,之后发送与所述交易数据相应的确认交易指令至网络端数据库;S3、当接收到确认交易指令后,网络端数据库对相应的交易数据进行付款操作。

Description

一种声波支付方法及系统 技术领域
本发明涉及移动支付领域,尤其涉及一种声波支付方法及系统。
背景技术
近年来,随着互联网技术的推广和移动通信技术的普及,当前人们手中的移动终端设备越来越多,硬件性能越来越强大,功能也越来越多。与此相应,基于互联网和移动通信技术的移动支付也得到了蓬勃的发展,移动支付使得消费者可以不使用实物货币来进行商品和服务的结算,而是通过随身的移动电子终端设备进行相应的结算和支付。相对于传统的实物货币支付方式,这种电子支付免去了消费者携带大量现金货币的麻烦和风险,并且也有效地提高了支付结算的效率,正在受到越来越多商户和消费者的欢迎。这类移动电子支付,大多应用到近距离通信技术进行数据交互。
目前,得到广泛应用的近距离通讯技术包括有蓝牙,红外数据传输,近场通讯NFC以及二维码扫描等。这些通信技术特点如下:
蓝牙技术需要人工操作选择配对对象,以建立连接,不适合需要快速传输(如结算支付等)的应用场合,且芯片价格较高。
红外数据传输是一种视距范围的传输,两个相互通信的设备之间必须对准,由于其穿透力弱,故通信设备中间不能有其它物体阻隔,故其适用场合、可靠性和抗干扰能力差,而且其数据传输速率低,并且多数移动终端未配置红外部件,故无法支持该传输功能。
近年新兴的近场通讯NFC技术,采用双向的识别和连接。在20cm的距离内工作在13.56MHz高频范围内,安全性较高。但是由于芯片价格较贵,以及其芯片在市面上现有移动终端设备的普及范围较小,目前只有部分的移动终端支持这一技术,推广则需要大规模更新换代终端设备,故其适用场合有限。
二维码技术有较好的容错率和识别率,但其对于支付和收银终端的拍照摄像镜头有一定要求,对于显示于屏幕的二维码也有一定要求。且需要人工对准 二维码进行扫描,故操作过程用时较长。
下表1列出了这几种技术对于移动支付终端与收银设备的线下支付需求的适用性,尚未有一种技术能完美满足以上所有的关键需求。
表1、现有技术对于移动支付终端与收银设备的线下支付需求的适用性
  可靠性 安全性 易用性 支付端设备普及度 收银端改造成本
蓝牙
红外
NFC
二维码
发明内容
本发明的目的在于提供一种有效抵抗自然环境的声音频率干扰,并且能够根据传输情况控制进行重传的传输可靠的声波安全支付方法及系统。
为实现上述发明目的,本发明采用的一个技术方案是:
提供一种声波安全支付方法,包括如下步骤:S1、付款端建立订单并从网络端数据库获取与订单的交易数据相应的交易信息,对交易信息使用密钥进行加密并进行RS编码生成数据帧,然后对所述数据帧进行单音多频算法调制生成音频帧并播放相应音频;S2、收款端获取所述音频后对其进行快速傅里叶变换FFT算法解调生成数据帧,对数据帧进行RS解码后用预存的密钥解密生成交易信息,然后使用所述交易信息从网络端数据库获取相应的交易数据并进行显示,之后发送与所述交易数据相应的确认交易指令至网络端数据库;S3、当接收到确认交易指令后,网络端数据库对相应的交易数据进行付款操作。
本发明采用的另一种技术方案是:
提供一种声波安全支付系统,包括收款端、付款端、以及网络端数据库,所述付款端包括第一音频发送单元和第一音频接收单元,所述收款端包括第二音频发送单元和第二音频接收单元,所述付款端包括:订单建立单元,用于建立订单并从网络端数据库获取与订单的交易数据相应的交易信息;以及第一交易单元,用于对交易信息使用密钥进行加密并进行RS编码生成数据帧,然后对 所述数据帧进行单音多频算法调制生成音频帧并通过第一音频发送单元播放相应音频;所述收款端包括:第二交易单元,用于通过第二音频接收单元获取所述音频后对其进行快速傅里叶变换FFT算法解调生成数据帧,对数据帧进行RS解码后使用预存的密钥进行解密生成交易信息;以及交易确认单元,用于使用所述交易信息从网络端数据库获取相应的交易数据并进行显示,之后发送与所述交易数据相应的确认交易指令至网络端数据库;所述网络端数据库用于当接收到确认交易指令后,网络端数据库对相应的交易数据进行付款操作。
本发明的有益效果在于:本发明的加密密钥K为随机生成,安全性高不容易被攻破;同时,本发明的发送加密秘钥的过程同时作为验证是否声波连接成功步骤,通过成功或者失败的控制帧告知发送端接收结果,从而推动发送端进入下一阶段或者重发数据,提高了传输可靠性;进一步地,本发明在高频段(16-18kHz)发送声波信号,且采用单音多频的调制方式,提高使用的频率间隔,可以有效抵抗自然环境的声音频率干扰;本发明声波传输过程由连接建立过程和数据传输过程组成,且均为双向通信过程,具有可控的重传功能,提升了传输可靠性。
附图说明
图1是本发明一实施方式中一种声波支付系统的系统框图;
图2是本发明一实施方式中一种声波支付方法的执行流程图;
图3是一实例中实现声波支付的执行流程图;
图4是控制标志的示意图;
图5是数据帧的结构示意图;
图6是控制帧的结构示意图;
图7是付款端与收款端握手建立声波连接的执行流程图;
图8是交易信息的声波传输执行流程图。
主要元件符号说明
声波支付系统         100
收款端               10
网络端数据库         20
付款端               30
具体实施方式
为详细说明本发明的技术内容、构造特征、所实现目的及效果,以下结合实施方式并配合附图详予说明。
为解决背景技术中现有技术存在的缺陷,本发明提供一种声波支付系统及方法,支付端加密密钥K随机生成,同时将发送加密秘钥的过程作为验证是否声波连接成功步骤,通过成功或者失败的控制帧告知发送端接收结果,从而推动发送端进入下一阶段或者重发数据,提高了传输可靠性;另外,本发明在高频段(16-18kHz)发送声波信号,且采用单音多频的调制方式,提高使用的频率间隔,可以有效抵抗自然环境的声音频率干扰。
请参阅图1,是本发明一实施方式中一种声波支付系统的系统框图。该声波支付系统100包括收款端10、网络端数据库20和付款端30。所述付款端30包括第一音频发送单元和第一音频接收单元,所述收款端10包括第二音频发送单元和第二音频接收单元。
具体地,收款端10安装于商户的搭载音频功能的收银终端或金融POS上,付款端30安装于顾客具有音频功能的移动终端(如手机或平板电脑)上,网络端数据库位于提供支付服务的支付服务商系统中。
在本实施方式中,所述付款端30包括订单建立单元和第一交易单元,订单建立单元用于建立订单并从网络端数据库获取与订单的交易数据相应的交易信息;第一交易单元用于对交易信息使用密钥进行加密并进行RS编码生成数据帧,然后对所述数据帧进行单音多频算法调制生成音频帧并通过第一音频发送单元播放相应音频。
所述收款端10包括第二交易单元和交易确认单元,第二交易单元用于通过第二音频接收单元获取所述音频后对其进行快速傅里叶变换FFT算法解调生成数据帧,对数据帧进行RS解码后使用预存的密钥进行解密生成交易信息;交易确认单元用于使用所述交易信息从网络端数据库获取相应的交易数据并进行显 示,之后发送与所述交易数据相应的确认交易指令至网络端数据库。
所述网络端数据库20用于当接收到确认交易指令后,网络端数据库对相应的交易数据进行付款操作。
所述收款端还包括第一反馈单元,所述付款端还包括第一反馈响应单元。第一反馈单元用于当所述第二交易单元解码成功后,通过第二音频发送单元播放经过单音多频算法调制的成功控制帧对应的成功控制音频;当解码失败后,通过第二音频发送单元播放经过单音多频算法调制的失败控制帧对应的失败控制音频。第一反馈响应单元用于当所述第一音频接收单元获取到所述成功控制音频或失败控制音频后,对其进行快速傅里叶变换FFT算法解调生成成功控制帧或失败控制帧,并当生成失败控制帧时通知所述第一交易单元执行所述“通过第一音频发送单元播放相应音频”操作。
在本实施方式中,所述第一交易单元包含第一连接单元和连接确认单元,所述第一连接单元用于随机生成DES密钥并对其进行RS编码形成密钥数据帧,然后将密钥数据帧进行单音多频算法调制成密钥音频帧并通过第一音频发送单元播放相应密钥音频;所述第二交易单元包含第二连接单元,用于当通过第二音频接收单元获取所述密钥音频后对其进行快速傅里叶变换FFT算法解调,然后进行RS解码并判断解码是否成功,若成功则存储DES密钥并通过第二音频发送单元播放经过单音多频调制的成功控制帧对应的成功控制音频,若失败则通过第二音频发送单元播放经过单音多频调制的失败控制帧对应的失败控制音频;所述连接确认单元用于对通过第一音频接收单元获取到的成功控制音频或失败控制音频进行快速傅里叶变换FFT算法解调得到成功控制帧或失败控制帧,并当生成成功控制帧时通知第一交易单元执行所述“对所述数据帧进行单音多频算法调制生成音频帧并通过第一音频发送单元播放相应音频”。
在本实施方式中,所述数据帧或密钥数据帧中包含数据、开始标志和结束标志;所述成功控制帧包含开始标志、结束标志,和正确标志;所述失败控制帧包括开始标志、结束标志和错误标志;每个开始标志、结束标志、错误标志或正确标志分别由两个控制符号构成的。所述“对所述数据帧进行单音多频算法调制”的具体为:对每个字节的数据采用4个频率的高频单音信号进行编码, 对每个标志采用2个频率的高频单音信号进行编码。
请参阅图2,是本发明一实施方式中一种声波支付方法的执行流程图。该声波安全支付方法应用于所述声波安全支付系统中,该方法包括如下步骤:
步骤S1、付款端建立订单并从网络端数据库获取与订单的交易数据相应的交易信息,对交易信息使用密钥进行加密并进行RS编码生成数据帧,然后对所述数据帧进行单音多频算法调制生成音频帧并播放相应音频;
步骤S2、收款端获取所述音频后对其进行快速傅里叶变换FFT算法解调生成数据帧,对数据帧进行RS解码后用预存的密钥解密生成交易信息,然后使用所述交易信息从网络端数据库获取相应的交易数据并进行显示,之后发送与所述交易数据相应的确认交易指令至网络端数据库;
步骤S3、当接收到确认交易指令后,网络端数据库对相应的交易数据进行付款操作。
其中,所述步骤S2中“对数据帧进行RS解码后”后还包括步骤:
当解码成功后,收款端播放经过单音多频算法调制的成功控制帧对应的成功控制音频;当解码失败后,收款端播放经过单音多频算法调制的失败控制帧对应的失败控制音频;以及
所述付款端获取到所述成功控制音频或失败控制音频后对其进行快速傅里叶变换FFT算法解调生成成功控制帧或失败控制帧,并当生成失败控制帧时返回执行步骤S1中的“播放相应音频”步骤。
其中,所述“然后对所述数据帧进行单音多频算法调制生成音频帧并播放相应音频”前还包括声波连接建立步骤,该声波连接建立步骤具体包括:
步骤S11、付款端随机生成DES密钥并对其进行RS编码形成密钥数据帧,然后将密钥数据帧进行单音多频算法调制成密钥音频帧并播放相应密钥音频;
步骤S12、收款端获取所述密钥音频后对其进行快速傅里叶变换FFT算法解调,然后进行RS解码并判断解码是否成功;若成功则收款端存储DES密钥并播放经过单音多频算法调制的成功控制帧对应的成功控制音频,若失败则收款端播放经过单音多频算法调制的失败控制帧对应的失败控制音频;
步骤S13、付款端对获取到的成功控制音频或失败控制音频进行快速傅里叶 变换FFT算法解调得到成功控制帧或失败控制帧,并当生成成功控制帧时进入所述“对所述数据帧进行单音多频算法调制生成音频帧并播放相应音频”步骤;以及当生成失败控制帧时返回步骤S11中的“播放相应密钥音频”步骤。
在本实施方式中,所述数据帧或密钥数据帧中包含数据、开始标志和结束标志;所述成功控制帧包含开始标志、结束标志和正确标志;所述失败控制帧包括开始标志、结束标志和错误标志;每个开始标志、结束标志、错误标志或正确标志分别由两个控制符号构成的。所述“对所述数据帧进行单音多频算法调制”的具体为:对每个字节的数据采用4个高频单音信号进行编码,对每个标志采用2个高频单音信号进行编码。
下面结合一具体实例对本发明的声波支付方法及系统的实现进行具体详尽的说明:
请参阅图3,是一实例中实现声波支付的执行流程图。该流程具体为:
第一步,付款端建立交易订单,并通过互联网从网络端数据库单元获得交易标识和所需信息;
第二步,付款端加密交易标识和信息;
第三步,付款端和收款端握手建立声波连接;
第四步,付款端单音多频算法调制后通过声波播放,收款端成功获取正确的声波音频;
第五步,收款端单音多频解码识别出交易标识和信息;
第六步,收款端利用获取的交易标识和信息通过互联网从网络端数据库单元获得订单信息并确认交易;
第七步,付款端和收款端均通过互联网从网络端数据库单元获得交易完成的指示。
单音多频编码算法:
其中,在采用单音多频编码时共有6个频率f0-f5(范围在16-18kHz),采用单音多频编码方式形成如下表2,包含四个四进制数字和两个控制符号。每个单音信号持续5ms。每个四进制数字代表2bit信息,故一个字节(8bit)需要4个四进制数字表示,即一个字节耗时20ms。该单音编码算法只需采用六个频率, 故所选频率之间间隔较大,且选取的都在高频段,因此频率抗干扰性能较好,且较大的频率间隔利于解码端正确解码。
表2、单音多频编码方式
f0 f1 f2 f3 f4 f5
控制符号1 0 1 2 3 控制符号2
请参阅图4,是控制标志的示意图。控制标志由两个时长5ms的控制符号前后搭配组成,故两种控制符号共可以搭配形成四种时长10ms的控制标志,如表3所示,表3为控制符号搭配为控制标志的列表。
表3、控制符号搭配为控制标志的列表
Figure PCTCN2015070395-appb-000001
音频数据帧和控制帧格式:
请参阅图5,是数据帧的结构示意图。数据帧帧长320ms,4字节校验字节通过RS(15,11)算法(里德-所罗门纠错码)得出,即每11字节有效数据可生成4个校验字节,可以纠正2字节的传输错误,数据帧有效数据不足11字节的填充0。请参阅图6,是控制帧的结构示意图,控制帧帧长30ms。
声波连接以及交易信息声波传输的详细工作流程:
请一并参阅图7、图8,图7是付款端与收款端握手建立声波连接的执行流程图。图8是交易信息的声波传输执行流程图。
1)付款端付款流程启动;
2)收款端收款流程启动;
3)付款端根据商品信息价格等建立订单;
4)付款端订单信息通过因特网传送到网络端数据库单元请求生成交易;
5)网络端收到订单信息,生成交易信息;
6)网络端发送交易标示和相关信息给付款段;
7)付款端通过因特网收到交易标示和相关信息;
8)付款端随机生成56bit长度的DES加密密钥K;
9)付款端利用密钥K加密步骤7)获得的交易标示和相关信息,采用DES加密;
10)开始声波连接过程(如图7)
a)付款端对密钥K进行RS编码形成数据帧;
b)付款端发送数据帧;
c)收款端单音多频解析;
d)收款端如果RS解码成功,发送成功的控制帧,进入步骤f);如果失败进入步骤e);
e)收款端发送失败的控制帧,进入步骤g);
f)付款端收到成功控制帧,声波连接建立完成;
g)付款端收到失败控制帧,回到步骤b);
11)收款端存储秘钥K;
12)开始声波传输过程(如图8)
a)付款端对步骤9)加密后的数据进行RS编码形成数据帧;
b)付款端发送数据帧;
c)收款端单音多频解析;
d)收款端如果RS解码成功,发送成功的控制帧,进入步骤f);如果失败进入步骤e);
e)收款端发送失败的控制帧,进入步骤g);
f)付款端收到成功控制帧,声波传输完成;
g)付款端收到失败控制帧,回到步骤b);
13)收款端利用秘钥K来DES解密识别出交易标识和信息;
14)收款端通过互联网向网络端数据库单元发送获取的交易标识和信息;
15)网络端通过互联网回应交易信息订单给收款端;
16)收款端通过互联网发送确认交易指令给网络端;
17)网络端处理付款;
18)网络端向收款端和付款端通过互联网发送交易成功的消息;
本发明的一种声波支付方法及系统,通过建立音频连接和传输过程的协议规则,并使用单音多频调制收发算法和音频信号帧传输的方式,实现付款端、收款端、网络端组成的线下交易方法系统。其具有如下有益效果:
1、安全性:本发明的加密密钥K为随机生成,安全性高,不容易被攻破;
2、可靠性:本发明声波传输过程由连接建立过程和数据传输过程组成,且均为双向通信过程,即收到数据校验完成后,会通过成功或者失败的控制帧告知发送端接收结果,从而推动发送端进入下一阶段或者重发数据,提高了传输可靠性。此外,采用RS纠错码编成的数据帧,接收端可以纠正11个有效字节中2个错误字节,进一步提升了传输可靠性;
3、本发明在高频段(16-18kHz)发送声波信号,且采用单音多频的调制方式,提高使用的频率间隔,可以有效抵抗自然环境的声音频率干扰,体现了抗干扰性;
4、本发明采用DES加密,密钥随机生成,提供了有效的安全性,不易被攻破;
5、本发明声波传输过程由连接建立过程和数据传输过程组成,且均为双向通信过程,具有可控的重传功能,提升了传输可靠性。而且数据帧采用RS纠错算法,接收端可以纠正11个有效字节中2个错误字节,进一步提升了传输可靠性。
综上所述,该发明可以有效满足声波支付所需的安全性、可靠性和抗干扰性的特性,可以广泛使用于各类线下电子支付中。
以上所述仅为本发明的实施例,并非因此限制本发明的专利范围,凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换,或直接或间接运用在其他相关的技术领域,均同理包括在本发明的专利保护范围内。

Claims (10)

  1. 一种声波安全支付方法,其特征在于,包括如下步骤:
    S1、付款端建立订单并从网络端数据库获取与订单的交易数据相应的交易信息,对交易信息使用密钥进行加密并进行RS编码生成数据帧,然后对所述数据帧进行单音多频算法调制生成音频帧并播放相应音频;
    S2、收款端获取所述音频后对其进行快速傅里叶变换FFT算法解调生成数据帧,对数据帧进行RS解码后用预存的密钥解密生成交易信息,然后使用所述交易信息从网络端数据库获取相应的交易数据并进行显示,之后发送与所述交易数据相应的确认交易指令至网络端数据库;
    S3、当接收到确认交易指令后,网络端数据库对相应的交易数据进行付款操作。
  2. 根据权利要求1所述的一种声波安全支付方法,其特征在于,所述步骤S2中“对数据帧进行RS解码后”后还包括:
    当解码成功后,收款端播放经过单音多频算法调制的成功控制帧对应的成功控制音频;当解码失败后,收款端播放经过单音多频算法调制的失败控制帧对应的失败控制音频;
    所述付款端获取到所述成功控制音频或失败控制音频后对其进行快速傅里叶变换FFT算法解调生成成功控制帧或失败控制帧,并当生成失败控制帧时返回执行步骤S1中的“播放相应音频”步骤。
  3. 根据权利要求1所述的一种声波安全支付方法,其特征在于,所述“然后对所述数据帧进行单音多频算法调制生成音频帧并播放相应音频”前还包括声波连接建立步骤,具体为:
    S11、付款端随机生成DES密钥并对其进行RS编码形成密钥数据帧,然后将密钥数据帧进行单音多频算法调制成密钥音频帧并播放相应密钥音频;
    S12、收款端获取所述密钥音频后对其进行快速傅里叶变换FFT算法解调,然后进行RS解码并判断解码是否成功;若成功则收款端存储DES密钥并播放经过单音多频算法调制的成功控制帧对应的成功控制音频,若失败则收款端播放经过单音多频算法调制的失败控制帧对应的失败控制音频;
    付款端对获取到的成功控制音频或失败控制音频进行快速傅里叶变换FFT 算法解调得到成功控制帧或失败控制帧,并当生成成功控制帧时进入所述“对所述数据帧进行单音多频算法调制生成音频帧并播放相应音频”步骤;以及当生成失败控制帧时返回步骤S11中的“播放相应密钥音频”步骤。
  4. 根据权利要求1-3任意一项所述的一种声波安全支付方法,其特征在于,所述数据帧或密钥数据帧中包含数据、开始标志和结束标志;所述成功控制帧包含开始标志、结束标志和正确标志;所述失败控制帧包括开始标志、结束标志和错误标志;每个开始标志、结束标志、错误标志或正确标志分别由两个控制符号构成的。
  5. 根据权利要求4所述的一种声波安全支付方法,其特征在于,所述“对所述数据帧进行单音多频算法调制”的具体为:对每个字节的数据采用4个高频单音信号进行编码,对每个标志采用2个高频单音信号进行编码。
  6. 一种声波安全支付系统,包括收款端、付款端、以及网络端数据库,所述付款端包括第一音频发送单元和第一音频接收单元,所述收款端包括第二音频发送单元和第二音频接收单元,其特征在于,所述付款端包括:
    订单建立单元,用于建立订单并从网络端数据库获取与订单的交易数据相应的交易信息;以及
    第一交易单元,用于对交易信息使用密钥进行加密并进行RS编码生成数据帧,然后对所述数据帧进行单音多频算法调制生成音频帧并通过第一音频发送单元播放相应音频;
    所述收款端包括:
    第二交易单元,用于通过第二音频接收单元获取所述音频后对其进行快速傅里叶变换FFT算法解调生成数据帧,对数据帧进行RS解码后使用预存的密钥进行解密生成交易信息;以及
    交易确认单元,用于使用所述交易信息从网络端数据库获取相应的交易数据并进行显示,之后发送与所述交易数据相应的确认交易指令至网络端数据库;
    所述网络端数据库用于当接收到确认交易指令后,网络端数据库对相应的交易数据进行付款操作。
  7. 根据权利要求6所述的一种声波安全支付系统,其特征在于,所述收款端还包括第一反馈单元,所述付款端还包括第一反馈响应单元:
    第一反馈单元用于当所述第二交易单元解码成功后,通过第二音频发送单元播放经过单音多频算法调制的成功控制帧对应的成功控制音频;当解码失败后,通过第二音频发送单元播放经过单音多频算法调制的失败控制帧对应的失败控制音频;
    第一反馈响应单元用于当所述第一音频接收单元获取到所述成功控制音频或失败控制音频后,对其进行快速傅里叶变换FFT算法解调生成成功控制帧或失败控制帧,并当生成失败控制帧时通知所述第一交易单元执行所述“通过第一音频发送单元播放相应音频”操作。
  8. 根据权利要求6所述的一种声波安全支付系统,其特征在于,所述第一交易单元包含第一连接单元和连接确认单元,所述第一连接单元用于随机生成DES密钥并对其进行RS编码形成密钥数据帧,然后将密钥数据帧进行单音多频算法调制成密钥音频帧并通过第一音频发送单元播放相应密钥音频;
    所述第二交易单元包含第二连接单元,用于当通过第二音频接收单元获取所述密钥音频后对其进行快速傅里叶变换FFT算法解调,然后进行RS解码并判断解码是否成功,若成功则存储DES密钥并通过第二音频发送单元播放经过相移键控调制的成功控制帧对应的成功控制音频,若失败则通过第二音频发送单元播放经过相移键控调制的失败控制帧对应的失败控制音频;
    所述连接确认单元用于对通过第一音频接收单元获取到的成功控制音频或失败控制音频进行快速傅里叶变换FFT算法解调得到成功控制帧或失败控制帧,并当生成成功控制帧时通知第一交易单元执行所述“对所述数据帧进行单音多频算法调制生成音频帧并通过第一音频发送单元播放相应音频”。
  9. 根据权利要求6-8任意一项所述的一种声波安全支付系统,其特征在于,所述数据帧或密钥数据帧中包含数据、开始标志和结束标志;所述成功控制帧包含开始标志、结束标志,和正确标志;所述失败控制帧包括开始标志、结束标志和错误标志;每个开始标志、结束标志、错误标志或正确标志分别由两个控制符号构成的。
  10. 根据权利要求9所述的一种声波安全支付系统,其特征在于,所述“对所述数据帧进行单音多频算法调制”的具体为:对每个字节的数据采用4个频率的高频单音信号进行编码,对每个标志采用2个频率的高频单音信号进行编码。
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