WO2015154560A1 - Procédé et système de paiement sécurisé par onde acoustique - Google Patents

Procédé et système de paiement sécurisé par onde acoustique Download PDF

Info

Publication number
WO2015154560A1
WO2015154560A1 PCT/CN2015/070701 CN2015070701W WO2015154560A1 WO 2015154560 A1 WO2015154560 A1 WO 2015154560A1 CN 2015070701 W CN2015070701 W CN 2015070701W WO 2015154560 A1 WO2015154560 A1 WO 2015154560A1
Authority
WO
WIPO (PCT)
Prior art keywords
audio
frame
transaction
key
unit
Prior art date
Application number
PCT/CN2015/070701
Other languages
English (en)
Chinese (zh)
Inventor
黄继翔
张炽成
Original Assignee
福建联迪商用设备有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 福建联迪商用设备有限公司 filed Critical 福建联迪商用设备有限公司
Publication of WO2015154560A1 publication Critical patent/WO2015154560A1/fr

Links

Images

Classifications

    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • H04B—TRANSMISSION
    • H04B11/00—Transmission systems employing sonic, ultrasonic or infrasonic waves

Definitions

  • the present invention relates to the field of electronic payment, and in particular, to a sound wave security payment method and system.
  • the existing methods for providing the short-range communication connection include Bluetooth technology, infrared data transmission, and near field communication (NFC).
  • NFC near field communication
  • Bluetooth technology needs to be manually operated to establish a paired device at both ends to operate, and the Bluetooth chip has a higher price and a larger business volume or needs to be fast.
  • the payment occasion is time-consuming and inconvenient, and the hardware modification cost of the equipment at both ends is high; since the infrared data transmission is a kind of line-of-sight transmission, the two mutually communicating devices must be aligned and the middle cannot be blocked by the object to be successfully connected.
  • near-field communication NFC technology uses two-way identification and connection, the distance in the range of 10cm-20cm is 13.56MHZ high frequency range Internal work is a relatively safe near-field communication technology, but its NFC chip is expensive, currently Only limited mobile terminals support this technology; two-dimensional code scanning technology has better fault tolerance and recognition rate for payment, but there are certain requirements for the camera lens of payment and cashier terminals, and there are also requirements for the display of two-dimensional codes, and The operation process takes a long time, and it is inconvenient to manually scan the QR code. Quick payment.
  • the sound wave payment technology that overcomes the above shortcomings is quietly emerging.
  • the payment through sonic audio is realized by the short-range mobile payment method using the audio modulation codec technology to realize the short-range mobile payment, and the implementation cost is extremely low, and the paying party is as follows.
  • the cost of the audio equipment of the POS terminal is also much lower than that of the other short-range communication technologies mentioned above.
  • the use of most handheld mobile terminals can be used to voice, combined with sonic technology to achieve near-distance communication to complete offline mobile payments, but there are still problems to be improved.
  • the payment technology of the short-distance communication connection in the prior art generally fails to meet the requirements of fast and easy to use and low-cost and easy to popularize for offline payment, so it is necessary to provide a quick, convenient and easy to use.
  • a low-cost and payment process that guarantees reliability, security, and efficiency of short-range secure payment methods and systems to meet the requirements of convenient, safe, reliable, and efficient electronic payment.
  • the object of the present invention is to provide a short-range acoustic wave secure payment method capable of satisfying the requirements of convenient, safe, reliable and efficient electronic payment, realizing quick, convenient, simple, easy to use, low-cost and payment process to ensure reliability, safety and high efficiency. Its system.
  • Providing a method for secure payment of sound waves includes the following steps:
  • 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 orthogonal amplitude modulation on the data frame. Audio frame and play the corresponding audio;
  • the receiving end After receiving the audio, the receiving end performs orthogonal amplitude demodulation to generate a data frame, performs RS decoding on the data frame, decrypts the pre-stored key to generate transaction information, and then uses the transaction information from the network side database. Obtaining corresponding transaction data and displaying the same, and then sending a confirmation transaction instruction corresponding to the transaction data to the network side database;
  • the network side database After receiving the confirmation transaction instruction, the network side database performs a payment operation on the corresponding transaction data.
  • a sound wave secure payment system comprising a payment terminal, a payment terminal and a network end database, the payment terminal comprising a first audio transmitting unit and a first audio receiving unit, the receiving end comprising a second audio transmitting unit and a a second audio receiving unit, wherein the payment terminal includes;
  • An order establishing unit for establishing an order and obtaining transaction information corresponding to the transaction data of the order from the network side database
  • a first transaction unit configured to encrypt a transaction information using a key and perform RS coding to generate a data frame, and then perform orthogonal amplitude modulation on the data frame to generate an audio frame and play the corresponding audio through the first audio sending unit;
  • the payment end includes:
  • a second transaction unit configured to acquire the data frame by performing quadrature amplitude demodulation on the audio by the second audio receiving unit, performing RS decoding on the data frame, and decoding the pre-stored key to generate transaction information
  • a transaction confirmation unit configured to use the transaction information to obtain corresponding transaction data from a network end database and display the same, and then send a confirmation transaction instruction with the transaction data to the network end database;
  • the network side database is configured to perform a payment operation on the corresponding transaction data after receiving the confirmation transaction instruction.
  • the invention has the beneficial effects that, by establishing an acoustic wave connection between the payment terminal and the payment terminal, the randomly generated key of the payment terminal is encrypted by the process of sound wave connection, and then RS coding and orthogonal amplitude modulation are performed into a key audio frame. Passed to the receiving end, after the successful establishment of the sonic connection, the payment terminal establishes an order and obtains the transaction information of the order, and encrypts the transaction information using the key, and performs RS coding and quadrature amplitude modulation to divide each four bits of the data frame into one.
  • the symbol is mapped to the I channel signal and the Q channel signal through the constellation diagram, and the two signals are represented by the phase and amplitude of the two carriers with a phase difference of 90 degrees; and the modulated I channel signal and the Q channel signal are phased
  • the audio frame is added, the audio is played; after the receiver obtains the audio, it performs orthogonal coherent demodulation processing to obtain a data frame, which is decrypted by RS decoding and pre-stored key to obtain transaction information, and then the transaction information is used.
  • the network side database obtains corresponding transaction data and displays, and simultaneously sends the confirmation transaction instruction corresponding to the transaction data to the network database to complete the corresponding transaction data. Payment.
  • the order transaction information of the payment end is encrypted, and after RS coding and quadrature amplitude modulation, it is converted into an audio frame and then transmitted to the receiving end through the sound wave, and the receiving end accepts and uses the pre-stored information.
  • the key decryption and RS decoding and quadrature coherent demodulation processing are converted into transaction information to complete the payment process, and the transmission data is encrypted by the encryption of the sound wave transmission data to ensure that the transmission data is not stolen and changed; by using the RS with error correction function for the transmission data.
  • the decoding method can effectively correct the transmission error of a certain byte and avoid the error of transmitting data as much as possible; the modulation and demodulation by using the orthogonal amplitude mode with high transmission efficiency to effectively improve the anti-interference performance and Stable performance, avoiding demodulation errors or missing codes at the receiving end; ensuring a two-way transfer between the payment terminal and the receiving end, and a feedback response that conveys the correctness of the order information, ensuring a between the payment end and the receiving end
  • the correctness of information transmission avoids the phenomenon that the transmission of data is still in error during transmission, and the reliability is high.
  • FIG. 1 is a system block diagram of an acoustic wave secure payment method according to an embodiment of the present invention
  • FIG. 2 is a flowchart of execution of a method for sound wave payment payment 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 5 is a schematic structural diagram of a control frame
  • FIG. 6 is a flow chart of execution of a handshake connection between a payment end and a payment end to establish an acoustic connection
  • Fig. 7 is a flow chart showing the execution of sound wave transmission of transaction information.
  • the present invention provides an acoustic wave secure payment method and system, in which a payment end encryption key K is randomly generated, and a process of transmitting an encryption key is used as verification. Whether the sound wave is connected successfully, the success or failure of the control frame is sent to the sender to receive the result, and the feedback response of the data transmission is obtained, thereby pushing the sender to enter the next stage or resending the data, thereby improving the transmission reliability;
  • the high frequency band (16-18 kHz) transmits the acoustic wave signal and adopts the quadrature amplitude modulation mode, which can effectively improve the anti-interference performance and stability performance, avoid the decoding terminal decoding error or missing code, and can ensure the payment terminal and the payment.
  • the correctness of information transmission between the ends is highly reliable.
  • 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 10 is installed on the cash register terminal or the financial POS of the merchant equipped 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 20 is located to provide payment. Service in the payment service provider system.
  • the payment terminal 30 includes a first audio transmitting unit and a first audio receiving unit, and the payment terminal further includes an order establishing unit for establishing an order and acquiring transaction data with the order from the network side database.
  • Corresponding transaction information and a first transaction unit, configured to encrypt the transaction information using a key and perform RS coding to generate a data frame, and then perform orthogonal amplitude modulation on the data frame to generate an audio frame and pass the first audio sending unit Play the corresponding audio;
  • the payment terminal 10 includes a second audio transmitting unit, a second audio receiving unit, a second transaction unit, and a transaction confirmation unit, and the second transaction unit is configured to obtain the audio by the second audio receiving unit and then perform positive Performing amplitude demodulation to generate a data frame, performing RS decoding on the data frame, and decoding the pre-stored key to generate transaction information, and;
  • a transaction confirmation unit configured to use the transaction information to obtain corresponding transaction data from a network end database and display the same, and then send a confirmation transaction instruction with the transaction data to the network end database;
  • the network side database is configured to perform a payment operation on the corresponding transaction data after receiving the confirmation transaction instruction.
  • the payment terminal 10 further includes a first feedback unit, and the payment terminal further includes a first feedback response unit: the first feedback unit is configured to: after the second transaction unit decrypts successfully, pass the first The second audio transmitting unit plays the successfully controlled audio corresponding to the successful control frame of the quadrature amplitude modulation; after the decryption fails, the second audio transmitting unit plays the failed control audio corresponding to the failed amplitude control modulated frame;
  • the first feedback response unit is configured to perform orthogonal amplitude demodulation to generate a success control frame or a failure control frame after the first audio receiving unit acquires the successfully controlled audio or failure control audio, and generate a failure control The frame is notified that the first transaction unit performs the "playing the corresponding audio through the first audio transmitting unit" operation.
  • 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 orthogonally amplitude modulated into a key audio frame and plays the corresponding key audio through the first audio transmitting unit;
  • the second transaction unit includes a second connection unit, configured to perform orthogonal amplitude demodulation on the second audio receiving unit after acquiring the key audio, and then perform RS decoding and determine whether the demodulation is successful. If successful, storing the DES key and playing the successfully controlled audio corresponding to the successfully controlled frame of the quadrature amplitude modulation, and if not, notifying the second audio sending unit to play the failed control audio corresponding to the failed amplitude control modulated frame ;
  • the first audio receiving unit is configured to obtain a success control audio or a failure control audio by the payment terminal to perform orthogonal amplitude demodulation to obtain a successful control frame or a failure control frame, and pass the first transaction unit pair when generating a successful control frame
  • the data frame performs orthogonal amplitude modulation to generate an audio frame and plays the corresponding audio; and returns to the first connection unit to play the corresponding key audio through the first audio transmitting unit when the failure control frame is generated.
  • 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.
  • the “performing orthogonal amplitude modulation” in the first transaction unit, the second audio sending unit, and the first connecting unit is specifically: each of the data frame, the key data frame, the success control frame, or the failure control frame.
  • the bit is divided into one symbol through the constellation map to the I channel signal and the Q channel signal, and the two signals are represented by the phase and amplitude of the two carriers with a phase difference of 90 degrees; and the modulated I channel signal and The Q signals are added to obtain an audio frame, a key audio frame or a control audio frame signal;
  • FIG. 2 is a flowchart of execution of an acoustic wave secure payment method 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:
  • 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 orthogonal amplitude modulation on the data frame. Audio frame and play the corresponding audio;
  • the receiving end After receiving the audio, the receiving end performs orthogonal amplitude demodulation to generate a data frame, performs RS decoding on the data frame, decrypts the pre-stored key to generate transaction information, and then uses the transaction information from the network side database. Obtaining corresponding transaction data and displaying the same, and then sending a confirmation transaction instruction corresponding to the transaction data to the network side database;
  • the network side database After receiving the confirmation transaction instruction, the network side database performs a payment operation on the corresponding transaction data.
  • the step S2 after performing RS decoding on the data frame, further includes:
  • the receiving end plays the successfully controlled audio corresponding to the successfully controlled frame of the quadrature amplitude modulation; when the decoding fails, the receiving end plays the failure control audio corresponding to the failed amplitude control modulated frame;
  • the payment terminal After the payment terminal obtains the successful control audio or the failure control audio, it performs orthogonal amplitude demodulation to generate a success control frame or a failure control frame, and returns to perform the corresponding audio in step S1 when the failure control frame is generated. "step.
  • the “and then orthogonally modulating the data frame to generate an audio frame and playing the corresponding audio” further includes a sound wave connection establishing step, specifically:
  • the payment end randomly generates a DES key and RS-encodes it to form a key data frame, and then performs orthogonal amplitude modulation on the key data frame into a key audio frame and plays the corresponding key audio.
  • the receiving end After receiving the key audio, the receiving end performs orthogonal amplitude demodulation, and performs RS decoding to determine whether the decoding is successful. If successful, the receiving end stores the DES key and plays the success of the orthogonal amplitude modulation. The control frame corresponds to the successful control audio, and if it fails, the receiving end plays the failure control audio corresponding to the failure control frame of the quadrature amplitude modulation;
  • the payment end performs orthogonal amplitude demodulation on the obtained successful control audio or failure control audio to obtain a successful control frame or a failure control frame, and enters the “normal amplitude modulation generation of the data frame when generating a successful control frame”.
  • the data frame or 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, an end flag, and an error flag. .
  • the specific implementation step of performing “orthogonal amplitude modulation” includes: dividing each four bits of the data frame, the key data frame, the success control frame, or the failure control frame into one symbol and mapping it to the I path through the constellation map. Signal and Q channel signals, and the two signals are represented by the phase and amplitude of the two carriers with a phase difference of 90 degrees; and the modulated I channel signal and the Q channel signal are added to obtain an audio frame and a key audio frame. Successfully controlling the audio frame or failing to control the audio frame signal;
  • performing quadrature amplitude demodulation include: using orthogonal coherent demodulation to restore audio, key audio successfully controlled audio or failed control audio to an audio frame, a key audio frame, or a control audio frame.
  • FIG. 3 is an execution flowchart of implementing sound wave payment in an example. The process is specifically as follows:
  • the payment terminal unit establishes a transaction order and obtains the transaction identifier and the required information from the network side database unit through the Internet;
  • the payment terminal unit encrypts the transaction identifier and information
  • the payment end unit and the payment end unit handshake to establish an acoustic connection
  • the payment end unit is orthogonally amplitude modulated and then played through the sound wave, and the receiving end unit successfully obtains the correct sound wave audio;
  • the receiving end unit RS decodes and decrypts the key to identify the transaction identifier and information
  • the payment end unit obtains the order information from the network side database unit and confirms the transaction through the Internet by using the obtained transaction identifier and information;
  • the payment end unit and the payment end unit both obtain an indication of completion of the transaction from the network side database unit via the Internet.
  • the quadrature amplitude QAM modulation method is a modulation technique for amplitude modulation on two orthogonal carriers.
  • the two carriers are sine waves with a phase difference of 90 degrees, and the data frames and codes that have been encoded by the RS algorithm are dense.
  • the amount of information contained in each symbol is log 2 M bit, therefore, only According to the needs of practical applications, increasing or decreasing the value of M during modulation can achieve the purpose of increasing or decreasing the transmission rate, and all of the selected frequencies are in the high frequency band, so the frequency anti-interference performance is better, which is beneficial to the decoding end. decoding.
  • the length of the control flag is 1 byte, the start flag is byte 0x0F, the end flag is byte 0xF0, the correct flag is 0x34, and the error flag is 0xAB.
  • Audio data frame and control frame format
  • FIG. 4 is a schematic structural diagram of a data frame.
  • the 4-byte check byte in the data frame 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, which can be corrected 2
  • the byte transmission error, the data frame valid data is less than 11 bytes of padding 0.
  • FIG. 5 is a schematic structural diagram of a control frame, which is three bytes in length.
  • FIG. 6 is a flow chart of performing an acoustic wave connection between the payment end and the payment end.
  • Fig. 7 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;
  • the payment terminal performs QAM modulation on the data frame into an audio signal
  • step e If the RS decoding is successful, the QAM modulation sends a successful control frame, and proceeds to step g); if it fails, it proceeds to step f);
  • step h) the receiving terminal sends a failed control frame, and proceeds to step h);
  • the payment terminal receives the success control frame, and the sound wave connection is established;
  • the payment terminal receives the failure control frame and returns to step c);
  • 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;
  • the payment terminal performs QAM modulation on the data frame into an audio signal
  • step g If the receiving end succeeds in PSK modulation and RS decoding, it proceeds to step g); if it fails, it proceeds to step f);
  • step h) the receiving terminal sends a failed control frame, and proceeds to step h);
  • the payment terminal receives the success control frame, and the sound wave transmission is completed;
  • the payment terminal receives the failure control frame and returns to step c);
  • the payment end uses the key K to decrypt the DES to identify the transaction identifier and information;
  • the payment end unit 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;
  • an acoustic wave secure payment method and system which establishes a protocol rule of an audio connection and a transmission process, and uses a DES encryption, an RS codec and a quadrature amplitude modulation method to implement a payment terminal, a collection end, and a network end.
  • Offline trading method system It has the following beneficial effects:
  • the present invention adopts DES encryption, and the encryption key K is randomly generated, which provides effective 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, and has a controllable retransmission function, thereby improving transmission reliability, that is, after receiving the data verification, The success or failure of the control audio frame will inform the sender to receive the result, thereby pushing the sender to the next stage or resending the data, improving the transmission reliability.
  • the receiving end can correct 2 error bytes out of 11 valid bytes, further improving the transmission reliability.
  • the present invention transmits an acoustic signal in a high frequency band (16-18 kHz) and adopts a quadrature amplitude modulation method.
  • QAM phase modulation technique of a quadrature carrier phase
  • the invention adopts DES encryption, and the key is randomly generated, which provides effective security and is not easily broken.
  • 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.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Reverberation, Karaoke And Other Acoustics (AREA)

Abstract

L'invention concerne un procédé et un système de paiement sécurisé par onde acoustique (100). Le procédé comprend les opérations suivantes : un terminal de paiement (30) crée un ordre et obtient des informations de transaction correspondant à des données de transaction de l'ordre à partir d'une base de données de terminal de réseau (20), les informations de transaction sont chiffrées à l'aide d'une clé et un codage RS est réalisé pour générer une trame de données, une modulation d'amplitude en quadrature est réalisée sur la trame de données pour générer une trame audio, et un audio correspondant est lu ; un terminal de réception (10) obtient l'audio, puis réalise une démodulation d'amplitude en quadrature sur l'audio pour générer la trame de données, un décodage RS est réalisé sur la trame de données, puis un déchiffrement est réalisé à l'aide d'une clé préstockée pour générer les informations de transaction, les données de transaction correspondantes sont obtenues à partir de la base de données de terminal de réseau (20) à l'aide des informations de transaction, les données de transaction sont affichées, et une instruction de transaction de confirmation correspondant aux données de transaction est envoyée à la base de données de terminal de réseau (20) ; après que l'instruction de transaction de confirmation est reçue, la base de données de terminal de réseau (20) réalise une opération de paiement sur les données de transaction correspondantes. L'invention concerne un procédé de paiement commode et sécurisé et un système associé.
PCT/CN2015/070701 2014-04-10 2015-01-14 Procédé et système de paiement sécurisé par onde acoustique WO2015154560A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201410142521.0 2014-04-10
CN201410142521.0A CN103903135A (zh) 2014-04-10 2014-04-10 一种声波安全支付方法及系统

Publications (1)

Publication Number Publication Date
WO2015154560A1 true WO2015154560A1 (fr) 2015-10-15

Family

ID=50994445

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2015/070701 WO2015154560A1 (fr) 2014-04-10 2015-01-14 Procédé et système de paiement sécurisé par onde acoustique

Country Status (2)

Country Link
CN (1) CN103903135A (fr)
WO (1) WO2015154560A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11321689B2 (en) 2019-10-14 2022-05-03 Mastercard International Incorporated System and method for securely transacting over a landline

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103903135A (zh) * 2014-04-10 2014-07-02 福建联迪商用设备有限公司 一种声波安全支付方法及系统
CN103903139A (zh) * 2014-04-10 2014-07-02 福建联迪商用设备有限公司 一种声波支付方法及系统
CN103927657A (zh) * 2014-04-10 2014-07-16 福建联迪商用设备有限公司 一种声波支付方法及系统
CN104954078A (zh) * 2015-05-28 2015-09-30 广东欧珀移动通信有限公司 基于声波通信的控制及响应方法和装置
CN105354785A (zh) * 2015-09-29 2016-02-24 中科富创（北京）科技有限公司 基于微信平台实现的开箱方法及装置
CN106934891A (zh) * 2017-03-10 2017-07-07 广东雅达电子股份有限公司 一种基于声波数字通信的门禁系统
CN108736982B (zh) * 2017-04-24 2020-08-21 腾讯科技（深圳）有限公司 声波通信处理方法、装置、电子设备及存储介质
CN111818257A (zh) * 2020-06-05 2020-10-23 深圳市天视通技术有限公司 一种摄像机老化方法、系统、设备及存储介质
CN112073888A (zh) * 2020-08-06 2020-12-11 深圳市天视通技术有限公司 一种音频测试方法、系统、电子设备及存储介质

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102509216A (zh) * 2011-11-08 2012-06-20 南京音优行信息技术有限公司 一种通过音频信号进行手机现场支付的方法及装置
CN102722812A (zh) * 2012-05-22 2012-10-10 朱建 通过音频信号传递消费凭证号实现现场交易的方法及装置
CN103023580A (zh) * 2012-12-06 2013-04-03 深圳市创想天空科技有限公司 通过声音实现数据传输的方法
CN103903142A (zh) * 2014-04-10 2014-07-02 福建联迪商用设备有限公司 一种声波安全支付方法及系统
CN103903139A (zh) * 2014-04-10 2014-07-02 福建联迪商用设备有限公司 一种声波支付方法及系统
CN103903135A (zh) * 2014-04-10 2014-07-02 福建联迪商用设备有限公司 一种声波安全支付方法及系统
CN103927657A (zh) * 2014-04-10 2014-07-16 福建联迪商用设备有限公司 一种声波支付方法及系统

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102509216A (zh) * 2011-11-08 2012-06-20 南京音优行信息技术有限公司 一种通过音频信号进行手机现场支付的方法及装置
CN102722812A (zh) * 2012-05-22 2012-10-10 朱建 通过音频信号传递消费凭证号实现现场交易的方法及装置
CN103023580A (zh) * 2012-12-06 2013-04-03 深圳市创想天空科技有限公司 通过声音实现数据传输的方法
CN103903142A (zh) * 2014-04-10 2014-07-02 福建联迪商用设备有限公司 一种声波安全支付方法及系统
CN103903139A (zh) * 2014-04-10 2014-07-02 福建联迪商用设备有限公司 一种声波支付方法及系统
CN103903135A (zh) * 2014-04-10 2014-07-02 福建联迪商用设备有限公司 一种声波安全支付方法及系统
CN103927657A (zh) * 2014-04-10 2014-07-16 福建联迪商用设备有限公司 一种声波支付方法及系统

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11321689B2 (en) 2019-10-14 2022-05-03 Mastercard International Incorporated System and method for securely transacting over a landline

Also Published As

Publication number Publication date
CN103903135A (zh) 2014-07-02

Similar Documents

Publication Publication Date Title
WO2015154560A1 (fr) Procédé et système de paiement sécurisé par onde acoustique
WO2015154561A1 (fr) Procédé et système de paiement sécurisé par ondes acoustiques
JP7204705B2 (ja) セキュアデバイス機能へのオンラインアクセスの妥当性検査
WO2015154553A1 (fr) Procédé et système de paiement par ondes sonores
CN102737308B (zh) 一种移动终端及其查询智能卡信息的方法和系统
WO2015154552A1 (fr) Procédé et système de paiement par ondes sonores
CN102223234B (zh) 基于音频通信的电子签名系统及方法
US8930699B2 (en) Short-range secure data communication method based on sound wave or audio, and apparatus thereof
CN204965434U (zh) 用于生成动态安全值的强认证令牌
EP1758053A1 (fr) Portefeuille informatique sans fil pour les transactions physiques dans les points de vente (PDV)
WO2015135384A1 (fr) Procédé et système de paiement sécurisé o2o et terminal de point de vente
KR20150132471A (ko) 미디어 바인딩을 사용하는 안전한 모바일 결제
CN107784499B (zh) 近场通信移动终端的安全支付系统及方法
CN102081769A (zh) 支付数据处理方法、系统、支付终端及支付服务器
CN103037323B (zh) 基于移动终端的随机码验证系统及其验证方法
WO2012151894A1 (fr) Procédé et système de paiement de terminal mobile, et terminal mobile
CN103354461A (zh) 一种基于声音的近场通信系统及方法
CN103577977A (zh) 一种用于线上购物线下支付的方法和系统
CN104318436A (zh) 一种基于移动终端的安全支付方法及系统和移动终端
WO2015135393A1 (fr) Procédé et système de paiement sécurisé o2o, et arrière-plan de paiement sécurisé
CN103955822A (zh) 一种通过可变频声波传递数据进行移动支付的方法
CN105741116A (zh) 一种快捷支付方法、装置及系统
WO2010109060A1 (fr) Procédé et appareil permettant des opérations de paiement hors ligne avec un transfert de données minimal
CN105160531B (zh) 交易数据信息处理方法及装置
US11218348B2 (en) Acoustic secure transmission (AST)

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 15776990

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 15776990

Country of ref document: EP

Kind code of ref document: A1