WO2015165427A1 - 基于电子钱包的支付方法和系统 - Google Patents

基于电子钱包的支付方法和系统 Download PDF

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Publication number
WO2015165427A1
WO2015165427A1 PCT/CN2015/082863 CN2015082863W WO2015165427A1 WO 2015165427 A1 WO2015165427 A1 WO 2015165427A1 CN 2015082863 W CN2015082863 W CN 2015082863W WO 2015165427 A1 WO2015165427 A1 WO 2015165427A1
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WIPO (PCT)
Prior art keywords
payment
account
electronic wallet
user
terminal
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PCT/CN2015/082863
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English (en)
French (fr)
Inventor
刘若鹏
许伟成
王旭东
黄薇子
Original Assignee
深圳光启智能光子技术有限公司
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Priority claimed from CN201410183006.7A external-priority patent/CN104166915B/zh
Priority claimed from CN201410182993.9A external-priority patent/CN104166910B/zh
Application filed by 深圳光启智能光子技术有限公司 filed Critical 深圳光启智能光子技术有限公司
Publication of WO2015165427A1 publication Critical patent/WO2015165427A1/zh

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    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes

Definitions

  • the present invention relates to a payment method and system, and more particularly to an electronic wallet based payment method and system.
  • bank card for example, a credit or debit card or a third-party bank card
  • this traditional "swipe-in" payment method allows consumers to avoid carrying large amounts of cash with them, consumers still have to carry a bank card for credit card payment, which limits transaction payments.
  • the electronic wallet payment method is rapidly being promoted.
  • Common such as "Alipay” e-wallet.
  • This e-wallet method is to install an app (app) on the mobile phone side, and an e-wallet account (Alipay account) will be generated when the account is registered.
  • the user can recharge the Alipay account with the bank card in advance, and directly deduct the balance in the Alipay account in the subsequent consumption process.
  • One aspect of the present invention provides an electronic wallet payment method and system to improve payment efficiency and success rate and enhance payment security.
  • the invention provides an electronic wallet payment system, which comprises a payment terminal and a consumer terminal.
  • the payment terminal sends account information to the consumer terminal through a transmission channel.
  • the consumer terminal After receiving the account information, the consumer terminal sends payment feedback information to the payment terminal, and is connected by the payment terminal.
  • the payment feedback information received updates the balance of the electronic wallet.
  • the invention also provides an electronic wallet payment method, comprising the following steps: the payment terminal sends the account information to the consumer terminal through a transmission channel; after receiving the account information, the consumer terminal sends the payment feedback information to the payment terminal; The payment terminal updates the balance of the electronic wallet after receiving the payment feedback information.
  • the electronic wallet-based payment method and system of the present invention has the following beneficial effects compared with the prior art: the solution of the present invention is to install an application on the mobile terminal, set an electronic wallet in the application and bind the payment account.
  • the e-wallet is recharged with a payment account before use, and the offline payment is made with an e-wallet at the time of payment.
  • sound waves, radio frequency signals or optical signals are used as signal carriers.
  • the electronic wallet payment method of the present invention has advantages in convenience, security and cost control.
  • FIG. 1 shows a block diagram of an embodiment of an electronic wallet payment system of the present invention.
  • FIG. 2 is a flow chart showing an embodiment of an electronic wallet payment method of the present invention.
  • FIG. 3 is a diagram showing the correspondence relationship between the account of the payment terminal and the bank card.
  • FIG. 4 is a diagram showing the correspondence between the account of the consumer terminal and the bank card.
  • Figure 5 shows a flow chart of an electronic wallet refill for an embodiment.
  • Figure 6 shows a block diagram of another embodiment of an electronic wallet payment system of the present invention.
  • FIG. 7 is a flow chart showing another embodiment of the electronic wallet payment method of the present invention.
  • Fig. 8 is a diagram showing the correspondence relationship between the account of the photonic payment terminal and the bank card.
  • Fig. 9 is a diagram showing the correspondence relationship between the account of the photonic consumer terminal and the bank card.
  • Figure 10 is a flow chart showing the electronic wallet refill of another embodiment.
  • FIG. 1 shows a block diagram of a preferred embodiment of an electronic wallet payment system of the present invention.
  • the system of this embodiment includes: a payment terminal 1 and a consumer terminal 2, and preferably also includes an account settlement platform server 3 and a user management platform server 4.
  • the payment terminal 1 can be any suitable portable terminal, such as a cellular telephone, a satellite telephone, a cordless telephone, a personal digital assistant (PDA), a handheld device with wireless connectivity, a computing device, or other processing device connected to a wireless modem, and the like.
  • the payment terminal 1 communicates with the consumer terminal 2 using a transmission channel, such as a sound wave (preferably an ultrasonic wave) or an electromagnetic wave (such as a radio frequency signal).
  • a transmission channel such as a sound wave (preferably an ultrasonic wave) or an electromagnetic wave (such as a radio frequency signal).
  • the transmission channel may be based on the WiFi protocol or the NFC protocol.
  • the user management platform server 4 can implement management of user information.
  • the payment terminal 1 can access the user management platform server 4 through a wireless communication system.
  • the wireless communication system herein may be, for example, CDMA, TDMA, FDMA, OFDMA, SC-FDMA, and other systems.
  • a CDMA system can implement radio technologies such as Universal Terrestrial Radio Access (UTRA), CDMA2000, and the like.
  • UTRA includes Wideband CDMA (W-CDMA) and other CDMA variants.
  • W-CDMA Wideband CDMA
  • CDMA2000 covers the IS-2000, IS-95, and IS-856 standards.
  • a TDMA system can implement a radio technology such as the Global System for Mobile Communications (GSM).
  • GSM Global System for Mobile Communications
  • An OFDMA system can implement such as Evolved UTRA (E-UTRA), Ultra Mobile Broadband (UMB), IEEE 802.11 (Wi-Fi), IEEE 802.16 (WiMAX), IEEE 802.20, Radio technology such as the same.
  • E-UTRA Evolved UTRA
  • UMB Ultra Mobile Broadband
  • IEEE 802.11 Wi-Fi
  • WiMAX IEEE 802.16
  • these wireless communication systems may also include peer-to-peer (eg, mobile-to-mobile) ad hoc networks that often use unpaired unlicensed spectrum, 802.xx wireless LAN, Bluetooth, and any other short-range or long-range wireless communication technologies. system.
  • the user management platform server 4 includes a registration module 41.
  • the user requests registration from the user management platform server 4 through the payment terminal 1.
  • the registration module 41 is configured to register a user account.
  • the registration module 41 registers a user account for the payment terminal 1, and the user account is the user identity of the user, corresponding to the user's electronic wallet.
  • These registration related user information may be stored on the user management platform server 4, for example, in a database of the user management platform server 4.
  • the user can choose to bind a bank card while registering the user account. This bound bank card serves as the default bank card for the user to recharge the corresponding electronic wallet of the account.
  • the user submits a request for binding the bank card to the user account, and can simultaneously submit the bank card information of the corresponding bank card, such as the card number, the account opening bank, The cardholder's name, ID number, and the like are sent to the user management platform server 4.
  • the user management platform server 4 can transmit the bank card information submitted by the user to the bank for verification, for example, through the account settlement platform 3 described below.
  • the user management platform server 4 may submit the information packaged by the user to the account settlement platform server 3 according to the specified interface and the communication protocol, and the account settlement platform server 3 reports the information to the bank according to the interface and the communication protocol provided by the payment transaction system. And receive verification prompts from bank feedback.
  • the user management platform server 4 can bind the user account to the bank card.
  • the user can bind multiple bank cards to the user account, and can set a default bank card or select the corresponding bank card for payment when the electronic wallet is recharged.
  • the user can set the payment password of the electronic wallet through the payment terminal 1.
  • the registration module 41 can set the payment password of the electronic wallet.
  • the payment password can be retrieved or reset by the bank card association information or the personally associated identity information.
  • the payment password may include a numeric password, and may also include a gesture password or the like.
  • the user account, the payment password, and the bank card information of the bundled at least one bank card may be stored in a database of the user management platform server 4.
  • the user can also choose to re-select the bank card when recharging.
  • the balance of the electronic wallet on the payment terminal 1 is stored in one of the terminal software, the chip card and the memory of the payment terminal 1, or a combination of any one of them.
  • the user After registering the user account, the user can set a corresponding login password and can log in to the user account using the payment terminal 1. If the user forgets the login password, the original login password can be retrieved. The manner of recovering the password can be verified by SMS, email verification or identity related information verification, etc., as is well known to those skilled in the art.
  • the payment terminal 1 can implement the registration request, the password setting, and the binding of the bank card of the above user account through corresponding payment software.
  • the payment software can be installed on the payment terminal 1.
  • the user can open the payment software on the payment terminal 1, and use the payment software to register and manage the user account.
  • the bank card can be bound, the default bank card is set, and the bank card is tied. Set to lift and so on.
  • FIG. 4 has a merchant account, and the merchant account and the bank card to which the merchant belongs are bound.
  • the principle of binding the user account and the user bank card on the payment terminal 1 is the same.
  • the merchant account on the consumer terminal 2 and the bank card to which it belongs are also bound in the same manner. The specific process is not described here.
  • Bank card the following is a bank card as an example to recharge the user account.
  • the bank card is bound by the user registration as an example.
  • the user initiates a refill request on the payment terminal 1, for example, the user clicks the recharge button on the user interface of the payment software. Enter the recharge amount and initiate a recharge request (step 1).
  • the user management platform server 4 generates a refill order based on the received refill request, and transmits the refill order number to the payment terminal 1 (step 2), and simultaneously transmits the refill order number to the account settlement platform server 3, which is recorded by the account settlement platform. Go down (step 3).
  • the payment terminal 1 After receiving the refill order number, the payment terminal 1 performs input of the payment password on the payment terminal 1 (step 4). Further, the user management platform server 4 verifies the payment password, and after confirming the validity, sends the bank card number and the recharge order information (such as the order number and the refill amount) bound by the user to the account settlement platform server 3 (step 5).
  • the account settlement platform server 3 transmits the bank information and the debit amount bound by the user to the banking system according to the bank's debit interface (step 6). After the bank confirms that the information is correct, the money is credited to the bank card account on the account settlement platform server 3 (step 7).
  • step 8 the amount information of the electronic wallet on the user management platform server 4 (step 8) and the amount information displayed on the payment terminal 1 are updated (step 9).
  • the user can choose the bank card at the time of recharging, but the process is the same as the example of binding the bank card, the only difference is whether the bank card is pre-bound or temporary. Selected.
  • the payment terminal 1 sends user account information to the consumer terminal 2 through the transmission channel when approaching the consumer terminal 2.
  • the payment software on the payment terminal 1 generates a user payment interface, displays the information such as the purchase order number and the amount, the user needs to confirm the order, and enters the payment password on the user payment interface of the payment software (the payment password has two payment methods, one is Input is made on the interface of the payment software, one is a key input on the keyboard on the POS terminal device 22).
  • the user account information is transmitted to the consumer terminal 2 along with the payment password (step 1).
  • the manner in which the user account information and the payment password are transmitted through the transmission medium signal is implemented in an encrypted manner.
  • the communication between the payment terminal 1 and the consumer terminal 2 is implemented by means of sound waves or radio frequency signals.
  • a corresponding encoding module can be set on the payment terminal 1 to perform encoding of the original signal (for example, encoding of sound wave transmission, Encoding of radio frequency signals, etc.). Need to pay attention to the user account information and payment password Encryption and encoding are two separate processes, either encoding or encoding first, or encoding after encryption.
  • a corresponding decoding module is set at the consumer terminal 2 to perform decoding processing (for example, sound wave decoding, radio frequency signal decoding, etc.) on the encoded transmission information.
  • the structure may be implemented by a conventional POS integrated decoding module, or may be implemented by a computer in combination with a decoder, or the decoder and the POS are two components of a single stand.
  • the consumer terminal 2 can be a POS terminal.
  • the POS terminal 2 is used instead of the consumer terminal 2.
  • the POS terminal 2 After receiving the user account information, the POS terminal 2 sends payment feedback information to the payment terminal 1 by means of sound waves or radio frequency signals, and the payment terminal 1 updates the balance of the electronic wallet based on the received payment feedback information (step 2).
  • the POS terminal 2 can provide a two-dimensional code or similar visual object for the payment terminal 1 to scan as payment feedback information.
  • a request for settlement of the amount sent to the server is received (step 3).
  • the account settlement platform server performs settlement of the amount of the user account on the payment terminal on the account settlement platform, and updates the balance on the electronic wallet of the user account on the server (step 4).
  • the billing platform can be billed with merchants on a regular basis.
  • the main body of the electronic wallet payment method is based on the electronic wallet payment process, and also includes the registration of the user account and the bank card binding process, and the refilling process of the electronic wallet. The following three processes are described separately.
  • the user requests registration and bank card binding from the user management platform server through the payment terminal.
  • the user management platform server responds to the registration request of the payment terminal, and registers a user account for the payment terminal.
  • the user account is the user identity consumed by the electronic wallet, and corresponds to the user's electronic wallet.
  • the user After registering the user account, the user can set the corresponding login password and log in to the user account using the payment terminal. If the user forgets the login password, the original login password can be retrieved. The manner of recovering the password can be verified by SMS, email verification or identity related information verification, etc., as is well known to those skilled in the art.
  • a request to bind the bank card to the user account can be submitted.
  • the user can submit the bank card information of the bank card, such as the card number, the bank, the cardholder's name, the ID number, etc. to the user management platform.
  • the user management platform can send the bank card information submitted by the user to the bank for verification, for example, through an account settlement platform.
  • the user management platform may submit the information packaged by the user to the account settlement platform server according to the specified interface and the communication protocol, and the account settlement platform server reports the information to the bank according to the interface and communication protocol provided by the payment transaction system, and receives the bank feedback. Verification prompt.
  • the user account (e-wallet) can be bound to the bank card.
  • the user can bind multiple bank cards to the user account, and can set a default bank card or select the corresponding bank card for payment when the electronic wallet is recharged.
  • the user can set the payment password of the electronic wallet through the payment terminal, and the payment password of the electronic wallet can be set in response to the user's input.
  • the payment password can be retrieved or reset by the bank card association information or the personally associated identity information.
  • the payment password may include a numeric password, and may also include a gesture password or the like.
  • the user account, the payment password, and the bank card information of the bundled at least one bank card may be stored in a database of the user management platform server.
  • the payment terminal can implement the registration request, the password setting, and the binding of the bank card of the above user account through corresponding payment software.
  • the payment software can be installed on the payment terminal.
  • the user can open the payment software on the payment terminal, and use the payment software to register and manage the user account, and bind the bank card, set the default bank card, and release the binding of the bank card.
  • the recharging process is shown in FIG. 5.
  • the user initiates a refill request on the payment terminal.
  • the user management platform server generates a refill order based on the received recharge request, and sends the refill order information (including recharge order number, recharge amount and the like) to the payment terminal, and simultaneously sends the refill order number to the account settlement platform server, The account settlement platform is recorded.
  • the payment terminal After receiving the refill order information, the payment terminal sends the bank card number, the order number and the recharge amount bound by the user to the account settlement platform server after confirming the validity.
  • the binding of the bank card is only an example of the present invention. In another example of the present invention, it is not necessary to bind the bank card at the time of registration, but to temporarily select a bank card for refilling at the time of recharging.
  • bank cards are only an example of e-wallet recharge. Other payment accounts similar to bank cards are applicable to the flow of this embodiment.
  • the account settlement platform server sends the bank information and deduction amount bound by the user to the banking system according to the bank's debit interface. After the bank confirms that the information is correct, the money is credited to the bank card account on the account settlement platform server.
  • the amount information of the electronic wallet on the user management platform server and the amount information of the displayed electronic wallet on the payment terminal are updated.
  • the user account information is sent to the consumer terminal.
  • the payment software on the payment terminal generates a user payment interface, displays information such as the purchase order number, the amount, and the like, and the user needs to confirm the order, and at the same time, input the payment password through the user payment interface of the payment software (or input the keyboard key on the POS terminal device). password).
  • the user account information is sent to the consumer terminal along with the payment password in the manner of a signal of a certain transmission medium (eg, sonic, Wifi or radio frequency signals).
  • a signal of a certain transmission medium eg, sonic, Wifi or radio frequency signals.
  • the manner in which the user account information and the payment password are transmitted through the above transmission medium is implemented in an encrypted manner.
  • the communication between the payment terminal and the consumer terminal is implemented by means of sound waves or radio frequency signals.
  • a corresponding coding module can be set on the payment terminal to perform coding of the original signal (for example, coding of the acoustic wave transmission, radio frequency signal) Coding, etc.).
  • the encryption and encoding of the user account information and the payment password are two separate processes, which may be performed by encoding and then encrypting, or encoding and encoding.
  • a corresponding decoding module is set at the consumer terminal to perform decoding processing (for example, sound wave decoding, radio frequency signal decoding, etc.) on the encoded transmission information.
  • the structure may be implemented by a conventional POS integrated decoding module, or may be implemented by a computer in combination with a decoder, or the decoder and the POS are two components of a single stand.
  • the consumer terminal can be a POS terminal.
  • the consumer terminal After receiving the information, the consumer terminal sends payment feedback information to the payment terminal by means of sound waves or electromagnetic wave signals (for example, radio frequency signals or optical signals), and the payment terminal updates the balance of the electronic wallet based on the received payment feedback information.
  • the consumer terminal may provide a two-dimensional code or similar visual object for the payment terminal 1 to scan as payment feedback information.
  • the amount settlement of the user account on the payment terminal is performed on the account settlement platform on the account settlement platform server, and the balance of the electronic wallet of the user account on the server is updated.
  • the settlement platform can be regularly connected with merchants. Line settlement.
  • the payment terminal transmits information to the consumer terminal through sound waves or radio frequency signals.
  • the RF signal is usually based on the WIFI protocol or the NFC protocol.
  • other signal carriers may be used with embodiments of the present invention.
  • another different signal carrier that is, visible light, will be exemplified.
  • the payment terminal, the photon consumer terminal, and the account are respectively defined as photon payment terminals, photon consumer terminals, and optical accounts.
  • Figure 6 shows a block diagram of another embodiment of an electronic wallet payment system of the present invention.
  • the system of this embodiment includes a photon payment terminal 10 and a photon consumer terminal 20.
  • the account settlement platform server 30 and the user management platform server 40 are also included.
  • the photonic payment terminal 10 can be any suitable portable terminal having a light transmitting function, such as a cellular telephone, a satellite telephone, a cordless telephone, a personal digital assistant (PDA), a handheld device with wireless connectivity, a computing device, or a wireless connection. Other processing devices for the modem, etc.
  • the photonic payment terminal 10 performs optical communication with other devices having optical communication capabilities using the light emitting unit 14.
  • Visible light communication technology is a new type of wireless optical communication technology developed on LED technology. Communication is carried out by high-frequency flickering of the LED light source, with light representing 1, no light representing 0, and visible light communication having a transmission rate of up to Gigabits per second. Visible light communication has a very rich spectrum of resources, which is unmatched by general wireless communication including microwave communication. At the same time, visible light communication can be applied to any communication protocol, suitable for any environment, and the device for visible light communication is flexible and convenient to install, and low in cost, and is suitable for mass popularization applications.
  • the visible light communication system uses visible light for short-range communication, and the visible light has high directivity and cannot penetrate obstacles, and has higher security than wireless communication.
  • the light emitting unit 14 can utilize a, for example, a light emitting diode (LED) to illuminate in a regular high frequency flash to convey a meaningful signal. For example, by having a light representing a high level and no light representing a low level.
  • LED light emitting diode
  • the user management platform server 40 can implement management of user information.
  • the photonic payment terminal 10 can access the user management platform server 40 through a wireless communication system.
  • the wireless communication system herein may be, for example, CDMA, TDMA, FDMA, OFDMA, SC-FDMA, and other systems.
  • a CDMA system can implement radio technologies such as Universal Terrestrial Radio Access (UTRA), CDMA2000, and the like.
  • UTRA includes Wideband CDMA (W-CDMA) and other CDMA variants.
  • W-CDMA Wideband CDMA
  • CDMA 2000 covers the IS-2000, IS-95, and IS-856 standards.
  • a TDMA system can implement a radio technology such as the Global System for Mobile Communications (GSM).
  • GSM Global System for Mobile Communications
  • An OFDMA system can implement such as Evolved UTRA (E-UTRA), Ultra Mobile Broadband (UMB), IEEE 802.11 (Wi-Fi), IEEE 802.16 (WiMAX), IEEE 802.20, Radio technology such as the same.
  • E-UTRA Evolved UTRA
  • UMB Ultra Mobile Broadband
  • IEEE 802.11 Wi-Fi
  • WiMAX IEEE 802.16
  • these wireless communication systems may also include peer-to-peer (eg, mobile-to-mobile) ad hoc networks that often use unpaired unlicensed spectrum, 802.xx wireless LAN, Bluetooth, and any other short-range or long-range wireless communication technologies. system.
  • the user management platform server 40 includes a registration module 41.
  • the user requests registration from the user management platform server 40 through the photonic payment terminal 10.
  • the registration module 41 is configured to register a user account (also referred to as a light account).
  • the registration module 41 registers a user account (light account) for the photon payment terminal 10, and the user account. It is the user identity of photon consumption, corresponding to the user's e-wallet.
  • These registration related user information may be stored on the user management platform server 40, such as in a database of the user management platform server 40. The user can choose to bind a bank card while registering the user account.
  • This bound bank card serves as the default bank card for the user to recharge the corresponding electronic wallet of the account.
  • the user submits the bank card with The request for binding the optical account may simultaneously submit the bank card information of the corresponding bank card, such as the card number, the account bank, the cardholder name, the ID number, and the like to the user management platform server 40.
  • the user management platform server 40 can transmit the bank card information submitted by the user to the bank for verification, for example, through the account settlement platform server 30 described below.
  • the user management platform server 40 may submit the information packaged by the user to the account settlement platform server 30 according to the specified interface and the communication protocol, and the account settlement platform server 30 reports the information to the bank according to the interface and the communication protocol provided by the payment transaction system. And receive verification prompts from bank feedback.
  • the user management platform server 40 can bind the optical account (optical account, electronic wallet) to the bank card.
  • the user can bind multiple bank cards to the optical account, and can set a default bank card or select the corresponding bank card for payment when the electronic wallet is recharged.
  • the user can set the payment password of the electronic wallet through the photonic payment terminal 10.
  • the registration module 41 can set the payment password of the electronic wallet.
  • the payment password can be retrieved or reset by the bank card association information or the personally associated identity information.
  • the payment password may include a numeric password, and may also include a gesture password or the like.
  • the optical account, the payment password, and the bank card information of the bundled at least one bank card may be stored in the number of the user management platform server 40. According to the library.
  • the user can also choose to re-select the bank card when recharging.
  • the balance of the electronic wallet on the photon payment terminal 10 is stored in one of the terminal software, the chip card, and the memory of the photonic payment terminal 10, or any combination thereof.
  • the user After registering the optical account, the user can set a corresponding login password and log in to the optical account using the photonic payment terminal 1. If the user forgets the login password, the original login password can be retrieved. The manner of recovering the password can be verified by SMS, email verification or identity related information verification, etc., as is well known to those skilled in the art.
  • the photon payment terminal 10 can implement the registration request, the password setting, and the binding of the bank card of the above optical account through corresponding payment software.
  • the payment software can be installed on the photonic payment terminal 10.
  • the user can open the payment software on the photon payment terminal 10, and perform registration and management of the optical account through the payment software.
  • the bank card can be bound, the default bank card is set, and the bank card is Binding is released and so on.
  • FIG. 9 On the photon consumer terminal 20, please refer to FIG. 9, which has a merchant account, and the merchant account and the bank card to which the merchant belongs are bound.
  • the principle of binding the user account on the photonic payment terminal 10 to the user's bank card is the same.
  • the merchant account on the photonic consumer terminal 20 and the bank card to which it belongs are also bound in the same manner. The specific process is not described here. .
  • the user account After the user has registered the user account, the user account will be recharged using a payment account (one of which is a bank card, exemplified by a bank card below).
  • a payment account one of which is a bank card, exemplified by a bank card below.
  • the bank card is bound by the user registration as an example.
  • the user initiates a recharge request on the photon payment terminal 1, for example, the user clicks on the user interface of the payment software. Button, enter the recharge amount, initiate a recharge request (step 1).
  • the user management platform server 40 generates a refill order based on the received refill request, and transmits the refill order number to the photonic payment terminal 10 (step 2), and simultaneously transmits the refill order number to the account settlement platform server 30, which is the account settlement platform. Record it (step 3).
  • the photon payment terminal 10 After receiving the refill order number, the photon payment terminal 10 performs input of the payment password on the photon payment terminal 10 (step 4). Further, the user management platform server 40 verifies the payment password, and after confirming the validity, sends the bank card number and the recharge order information (such as the order number and the recharge amount) bound by the user to the account settlement platform server 30 (step 5).
  • the account settlement platform server 30 binds the bank information and deductions bound by the user according to the bank's debit interface. The amount is sent to the banking system (step 6). After the bank confirms that the information is correct, the money is credited to the bank card account on the account settlement platform server 30 (step 7).
  • the amount information of the electronic wallet on the user management platform server 40 (step 8) and the amount information displayed on the photonic payment terminal 10 (step 9) are updated.
  • the user can choose the bank card at the time of recharging, but the process is the same as the example of binding the bank card, the only difference is whether the bank card is pre-bound or temporary. Selected.
  • the photonic payment terminal 10 issues optical account information to the photon consumer terminal 20 when approaching the photon consumer terminal 20.
  • the payment software on the photon payment terminal 10 generates a user payment interface, displays information such as the purchase order number and the amount, the user needs to confirm the order, and enters the payment password on the user payment interface of the payment software (the payment password has two payment methods, one type
  • the input is made on the interface of the payment software, one is a key input on the keyboard on the POS terminal device 22).
  • the optical account information is transmitted to the photonic consumer terminal 20 along with the payment password (step 1).
  • the manner in which the optical account information and the payment password are transmitted by the optical signal is implemented in an encrypted manner.
  • the photonic payment terminal 10 includes an encoding unit 11 and a light emitting unit 12.
  • the encoding unit 11 encodes the optical account information, and then transmits the optical signal of the encoded optical account information outward through the light emitting unit 12.
  • the photon consumption terminal 20 is configured to receive an optical signal.
  • the specific example may be a photon POS end, and may be an integrated POS machine including the light receiving module 21, or a conventional POS machine connected to the single light receiving module 21, It may be a computer integrated with the light receiving module 21.
  • a conventional POS machine can communicate with the light receiving module 21 through a communication interface (such as RS232, USB interface), or communicate with the light receiving module 21 through a wireless network.
  • a communication interface such as RS232, USB interface
  • the photo POS terminal is described below by taking an integrated POS architecture as an example.
  • the photon POS terminal 20 can implement optical communication with the photon payment terminal 10 through the light receiving module 21.
  • the encoding unit 11 in the photon payment terminal 10 encodes the original communication data to be communicated, and the original communication data may be any information data to be communicated to the photonic POS terminal 20 by the photonic payment terminal 10. Common methods such as NRZ coding.
  • the light emitting unit 12 may transmit the received encoded signal in the form of visible light, for example, by indicating a high level signal with light and a low level with no light. go with.
  • the light receiving unit 211 in the light receiving module 21 is configured to receive the visible light signal emitted by the light emitting unit 12 and convert the visible light signal into an electrical signal.
  • the light may represent a high level. No light can represent a low level, or vice versa, so that the received visible light signal can be converted to a digital signal.
  • the light receiving unit 122 may include a photosensitive device such as a photodiode, a phototransistor, or the like.
  • the electrical pulse signal is formed by photoelectric conversion using the characteristics of the electrical signal and the optical signal of the photodiode.
  • the photoelectric conversion circuit adjusts the output voltage level to a high level; when the current value through the photodiode is lower than a certain threshold, the photoelectric conversion The circuit adjusts the output voltage level to a low level.
  • the threshold value is set according to different environments through a mathematical model. If the distance is long, the threshold value may decrease; the distance near threshold may be relatively increased. Through the above process, the level can be adjusted to a certain range to ensure the correct pulse shape to ensure the accuracy of sampling as much as possible.
  • the decoding unit 212 in the photon POS terminal 20 can decode the photoelectrically converted electrical signal to obtain original communication data (such as optical account information, payment password, etc.) transmitted by the photon payment terminal 10.
  • original communication data such as optical account information, payment password, etc.
  • the user can send the payment identity information to the photonic POS terminal 20 through the photon payment terminal 10 in the form of an optical signal.
  • the encoding unit 11 may encode the payment identity information, and may include, for example, RZ pulse count coding, PPM coding, and the like.
  • the photon POS terminal 20 After receiving the optical account information, the photon POS terminal 20 sends payment feedback information to the photon payment terminal 1 by means of sound waves or electromagnetic wave signals (for example, radio frequency signals or optical signals), and is based on the received payment feedback information by the photon payment terminal 1. Update the balance of your Wallet (Step 2).
  • photon POS end 20 may provide a two-dimensional code or similar visual object for scanning by photon payment terminal 10.
  • a request for settlement of the amount sent to the server is received (step 3).
  • the account settlement platform server performs settlement of the amount of the user account on the photonic payment terminal on the account settlement platform, and updates the balance on the electronic wallet of the user account on the server (step 4).
  • the billing platform can be billed with merchants on a regular basis.
  • the main body of the electronic wallet-based photon payment method is based on the electronic wallet payment process, and also includes the registration of the user account (light account) and the bank card binding process, and the refilling process of the electronic wallet. The following three processes are described separately.
  • the user requests registration and bank card binding from the user management platform server through the photonic payment terminal.
  • the user management platform server registers a user account (light account) for the photon payment terminal in response to the registration request of the photon payment terminal, and the user account is a user identity of the photon consumption, corresponding to the user's electronic wallet.
  • These registration related user information can be stored on the user management platform server, for example, in a database of the user management platform.
  • the user After registering the optical account, the user can set the corresponding login password and log in to the optical account using the photonic payment terminal. If the user forgets the login password, the original login password can be retrieved. The manner of recovering the password can be verified by SMS, email verification or identity related information verification, etc., as is well known to those skilled in the art.
  • the user management platform can send the bank card information submitted by the user to the bank for verification, for example, through an account settlement platform.
  • the user management platform may submit the information packaged by the user to the account settlement platform server according to the specified interface and the communication protocol, and the account settlement platform server reports the information to the bank according to the interface and communication protocol provided by the payment transaction system, and receives the bank feedback. Verification prompt.
  • the optical account (user account, electronic wallet) can be bound to the bank card.
  • the user can bind multiple bank cards to the optical account, and can set a default bank card or select the corresponding bank card for payment when the electronic wallet is recharged.
  • the user can set the payment password of the electronic wallet through the photon payment terminal, and the payment password of the electronic wallet can be set in response to the user's input.
  • the payment password can be retrieved or reset by the bank card association information or the personally associated identity information.
  • the payment password may include a numeric password, and may also include a gesture password or the like.
  • the optical account, the payment password, and the bank card information of the bundled at least one bank card may be stored in a database of the user management platform server.
  • the photon payment terminal can implement the registration request, the password setting, and the binding of the bank card of the above optical account through corresponding payment software.
  • the payment software can be installed on the photonic payment terminal.
  • the user can open the payment software on the photonic payment terminal, and register and manage the optical account through the payment software, and Binding of bank cards, setting of default bank cards, and binding of bank cards.
  • the recharge process is first initiated by the user on the photonic payment terminal. For example, the user clicks the recharge button on the user interface of the payment software, inputs the recharge amount, and initiates a refill request.
  • the user management platform server generates a refill order based on the received recharge request, and sends the refill order information (including the recharge order number, recharge amount and the like) to the photonic payment terminal, and simultaneously sends the refill order number to the account settlement platform server. Recorded by the account settlement platform.
  • the photon payment terminal After receiving the recharge order information, the photon payment terminal sends the bank card number, the order number and the recharge amount bound by the user to the account settlement platform server after confirming the validity.
  • the binding of the bank card is only an example of the present invention. In another example of the present invention, it is not necessary to bind the bank card at the time of registration, but to temporarily select a bank card for refilling at the time of recharging.
  • the bank card is only an example of the electronic wallet refilling, and other payment accounts similar to the bank card are applicable to the flow of the embodiment.
  • the account settlement platform server sends the bank information and deduction amount bound by the user to the banking system according to the bank's debit interface. After the bank confirms that the information is correct, the money is credited to the bank card account on the account settlement platform server.
  • the amount information of the electronic wallet on the user management platform server and the amount information displayed on the photonic payment terminal are updated.
  • the principle of payment based on the electronic wallet is shown in FIG. 7.
  • the photo account information is sent to the photon consumer terminal.
  • the payment software on the photon payment terminal generates a user payment interface, displays information such as the purchase order number and the amount, the user needs to confirm the order, and at the same time inputs the payment password through the user payment interface of the payment software (or the keyboard key input on the POS terminal device) Pay the password).
  • the optical account information along with the payment password is sent to the photonic consumer terminal in the form of an optical signal.
  • the manner in which the optical account information and the payment password are transmitted by the optical signal is implemented in an encrypted manner.
  • the photon consumer terminal After receiving the information, the photon consumer terminal sends payment feedback information to the photonic payment terminal by means of sound waves or electromagnetic waves (for example, radio frequency signals or optical signals), and the photon payment terminal updates the balance of the electronic wallet based on the received payment feedback information.
  • the photonic consumer terminal can provide a QR code. Or a similar visual object is scanned by the photonic payment terminal as payment feedback information.
  • the photonic payment terminal needs to encode the optical account information in the step of transmitting the optical account information, and then transmit the optical signal of the encoded optical account information to the outside.
  • the encryption and encoding of the optical account information and the payment password are two separate processes, which may be performed by encoding and then encrypting, or encoding and encoding.
  • the photon consumer terminal is used for receiving an optical signal.
  • the specific example may be a photon POS end, which may be an integrated POS machine including a light receiving module, or a conventional POS machine connected to a single vertical light receiving module, or may be integrated.
  • a computer that has a light receiving module.
  • a conventional POS machine can communicate with a light receiving module through a communication interface (such as RS232, USB interface), or communicate with a light receiving module through a wireless network.
  • a communication interface such as RS232, USB interface
  • the photo POS end is described below by taking an integrated POS architecture as an example.
  • the photon POS end can realize optical communication with the photon payment terminal through the light receiving module.
  • the photonic payment terminal encodes the original communication data to be transmitted, and the original communication data may be any information data that the photonic payment terminal is to convey to the photon POS end. Common methods such as NRZ coding.
  • the photonic payment terminal can transmit the received encoded signal in the form of visible light, for example, by indicating a high level signal with illumination and a low level with no illumination.
  • the light receiving chip of the optical consumer terminal receives the transmitted visible light signal and converts the visible light signal into an electrical signal. For example, for high frequency flicker generated by the LED light, light may represent a high level, and no light may represent a low level, or Conversely, the received visible light signal can thus be converted to a digital signal.
  • the light receiving chip may include a photosensitive device such as a photodiode, a phototransistor or the like.
  • the electrical pulse signal is formed by photoelectric conversion using the characteristics of the electrical signal and the optical signal of the photodiode.
  • the photoelectric conversion circuit adjusts the output voltage level to a high level; when the current value through the photodiode is lower than a certain threshold, the photoelectric conversion The circuit adjusts the output voltage level to a low level.
  • the threshold value is set according to different environments through a mathematical model. If the distance is long, the threshold value may decrease; the distance near threshold may be relatively increased. Through the above process, the level can be adjusted to a certain range to ensure the correct pulse shape to ensure the accuracy of sampling as much as possible.
  • the photon POS terminal 20 decodes the electrical signal obtained by photoelectric conversion to obtain a photon payment terminal.
  • the original communication data sent.
  • the user can send the payment identity information to the photon POS terminal 20 in the form of an optical signal through the photon payment terminal.
  • the payment identity information may be encoded, for example, may include RZ pulse count coding, PPM coding, and the like.
  • the amount settlement of the user account on the photonic payment terminal is performed on the account settlement platform server on the account settlement platform server, and the balance of the electronic wallet of the user account on the server is updated.
  • the billing platform can be billed with merchants on a regular basis.
  • DSPs digital signal processors
  • ASICs application specific integrated circuits
  • FPGAs field programmable gate arrays
  • Programmable logic devices, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described herein are implemented or executed.
  • a general purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine.
  • the processor may also be implemented as a combination of computing devices, such as a combination of a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a DSP core, or any other such configuration.
  • a software module may reside in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
  • Exemplary storage The processor is coupled to the processor such that the processor can read and write information from/to the storage medium.
  • the storage medium can be integrated into the processor.
  • the processor and the storage medium can reside in an ASIC.
  • the ASIC can reside in the user terminal.
  • the processor and the storage medium may reside as a discrete component in the user terminal.
  • the functions described may be implemented in hardware, software, firmware, or any combination thereof. If implemented as a computer program product in software, the functions may be stored on or transmitted as one or more instructions or code on a computer readable medium.
  • Computer readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another.
  • a storage medium may be any available media that can be accessed by a computer.
  • such computer readable media may comprise RAM, ROM, EEPROM, CD-ROM or other optical disk storage, disk storage or other magnetic storage device, or can be used to carry or store instructions or data structures. Any other medium that is desirable for program code and that can be accessed by a computer.
  • any connection is also properly referred to as a computer readable medium.
  • the software is transmitted from a web site, server, or other remote source using coaxial cable, fiber optic cable, twisted pair, digital subscriber line (DSL), or wireless technologies such as infrared, radio, and microwave.
  • the coaxial cable, fiber optic cable, twisted pair cable, DSL, or wireless technologies such as infrared, radio, and microwave are included in the definition of the medium.
  • Disks and discs as used herein include compact discs (CDs), laser discs, optical discs, digital versatile discs (DVDs), floppy discs, and Blu-ray discs, in which disks are often reproduced magnetically. Data, and discs optically reproduce data with a laser. Combinations of the above should also be included within the scope of computer readable media.

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Abstract

一种电子钱包支付方法和系统，在移动终端上安装一个应用程序，在这个应用程序中设置一个电子钱包并和银行卡进行绑定，在使用前用银行卡对电子钱包进行充值，在支付时用电子钱包进行线下的支付。而且，在支付过程中是用声波、射频信号或光信号作为信号载体来实现的。较之传统刷卡式的线下支付而言，该支付方法无论是在便捷性、安全性还是成本控制方面都更有优势。

Description

基于电子钱包的支付方法和系统 技术领域
本发明涉及支付方法和系统，尤其涉及基于电子钱包的支付方法和系统。
背景技术
目前，消费者在作交易支付时可通过银行卡(例如，信用卡或借记卡或第三方银行卡)在POS端上刷卡结算。这种传统的“刷卡式”支付方法虽然可以让消费者避免随身携带大量现金，但是消费者仍然必须携带银行卡以进行刷卡支付，这使得交易支付受到限制。
除了这种刷卡式的支付方法，电子钱包式的支付方法正得到迅速推广。常见的例如“支付宝”电子钱包。这种电子钱包方式是在手机端安装一个应用程序(app)，注册账号的同时会生成一个电子钱包账户(支付宝账户)。用户可以事先用银行卡对支付宝账户充值，在后续的消费过程中直接用支付宝账户中的余额进行扣款。
像支付宝的这种电子钱包交易方式也存在着很多不足。首先这种交易是依靠通讯网络完成的，需要畅通的网络环境，当网络不通畅或者网速不够的情况下容易导致交易失败。其次是安全问题，电子账户的账号和密码信息在网络中传输，容易被不法者截取到，尤其是在Wifi网络中传输账户信息时更容易被盗取。
发明内容
以下给出一个或多个方面的简要概述以提供对这些方面的基本理解。此概述不是所有构想到的方面的详尽综览，并且既非旨在指认出所有方面的关键性或决定性要素亦非试图界定任何或所有方面的范围。其唯一的目的是要以简化形式给出一个或多个方面的一些概念以为稍后给出的更加详细的描述之序。
本发明的一个方面提供了一种电子钱包支付方法和系统，以提高支付效率和成功率，增强支付安全。
本发明提出一种电子钱包支付系统，包括支付终端以及消费终端。所述支付终端通过一传输通道发出账户信息至所述消费终端。所述消费终端接收到所述账户信息后，发出支付反馈信息至所述支付终端，并由所述支付终端基于接 收到的所述支付反馈信息更新电子钱包的余额。
本发明还提出一种电子钱包支付方法，包括以下步骤：支付终端向消费终端通过一传输通道发送账户信息；所述消费终端接收到账户信息后，发出支付反馈信息至所述支付终端；以及所述支付终端在接收到所述支付反馈信息后更新电子钱包的余额。
本发明的基于电子钱包的支付方法和系统对比现有技术有如下的有益效果：本发明的方案是在移动终端上安装一个应用程序，在这个应用程序中设置一个电子钱包并和支付账户进行绑定，在使用前用支付账户对电子钱包进行充值，在支付时用电子钱包进行线下的支付。而且，在支付过程中是用声波、射频信号或者光信号作为信号载体来实现的。较之传统刷卡式的线下支付而言，本发明的电子钱包支付方法无论是在便捷性、安全性还是成本控制方面都更有优势。
附图概述
本发明的特征、性能由以下的实施例及其附图进一步描述。
图1示出了本发明的电子钱包支付系统的一实施例的框图。
图2示出了本发明的电子钱包支付方法的一实施例的流程图。
图3示出了支付终端的账户和银行卡的对应关系的示意图。
图4示出了消费终端的账户和银行卡的对应关系的示意图。
图5示出了一实施例的电子钱包充值的流程图。
图6示出了本发明的电子钱包支付系统的另一实施例的框图。
图7示出了本发明的电子钱包支付方法的另一实施例的流程图。
图8示出了光子支付终端的账户和银行卡的对应关系的示意图。
图9示出了光子消费终端的账户和银行卡的对应关系的示意图。
图10示出了另一实施例的电子钱包充值的流程图。
本发明的最佳实施方式
在结合以下附图阅读本公开的实施例的详细描述之后，能够更好地理解本发明的上述特征和优点。在附图中，各组件不一定是按比例绘制，并且具有类似的相 关特性或特征的组件可能具有相同或相近的附图标记。
电子钱包支付系统的一实施例
图1示出了本发明的电子钱包支付系统的较佳实施例的框图。请参见图1，本实施例的系统包括：支付终端1以及消费终端2，较佳的还可以包括账户结算平台服务器3以及用户管理平台服务器4。
支付终端1可以是任何合适的便携式终端，例如蜂窝电话、卫星电话、无绳电话、个人数字助理(PDA)、具有无线连接能力的手持式设备、计算设备、或连接到无线调制解调器的其他处理设备等。支付终端1利用一传输通道和消费终端2进行通信，这种传输通道的信号载体例如为声波(较佳是超声波)或者电磁波(例如射频信号)等。以射频信号为例，传输通道可以是基于WiFi协议或者NFC协议。
用户管理平台服务器4可以实现用户信息的管理。支付终端1可通过无线通信系统访问用户管理平台服务器4。这里的无线通信系统可以是诸如CDMA、TDMA、FDMA、OFDMA、SC-FDMA和其他系统。CDMA系统可实现诸如通用地面无线电接入(UTRA)、CDMA2000等无线电技术。UTRA包括宽带CDMA(W-CDMA)和其他CDMA变体。此外，CDMA2000涵盖IS-2000、IS-95和IS-856标准。TDMA系统可实现诸如全球移动通信系统(GSM)等无线电技术。OFDMA系统可实现诸如演进型UTRA(E-UTRA)、超移动宽带(UMB)、IEEE 802.11(Wi-Fi)、IEEE 802.16(WiMAX)、IEEE 802.20、
Figure PCTCN2015082863-appb-000001
等之类的无线电技术。此外，这些无线通信系统还可包括常常使用非配对无许可频谱、802.xx无线LAN、蓝牙以及任何其他短程或长程无线通信技术的对等(例如，移动对移动)自组织(ad hoc)网络系统。
用户管理平台服务器4包括注册模块41。用户通过支付终端1向用户管理平台服务器4请求注册。请同时参见图3，注册模块41用于注册用户账户，响应支付终端1的注册请求，注册模块41为支付终端1注册一个用户账户，用户账户是消费的用户身份，对应于用户的电子钱包。这些注册相关的用户信息可以存储在用户管理平台服务器4上，例如存储在用户管理平台服务器4的数据库中。用户可以在注册用户账户的同时选择绑定某张银行卡，这张绑定的银行卡就作为用户对账户对应的电子钱包进行充值的默认银行卡。在本实施例中用户提交将银行卡与该用户账户相绑定的请求，可同时提交对应的银行卡的银行卡信息，例如卡号、开户行、 持卡人姓名、身份证号等等到用户管理平台服务器4。用户管理平台服务器4可例如通过下文描述的账户结算平台3，将用户提交的银行卡信息发送到银行进行验证。例如，用户管理平台服务器4可将用户打包的信息按照指定接口与通信协议将信息提交到账户结算平台服务器3，账户结算平台服务器3根据支付交易系统提供的接口与通信协议将信息上报给银行，并接收银行反馈的验证提示。
若验证成功，则用户管理平台服务器4可将该用户账户与该银行卡相绑定。用户可以为该用户账户绑定多张银行卡，同时可以设置默认的银行卡，或者在电子钱包充值时选择相应的银行卡进行支付。
绑定银行卡后，用户可通过支付终端1设定电子钱包的支付密码，响应于用户的输入，注册模块41可设置电子钱包的支付密码。同时，当用户忘记该支付密码时，可通过银行卡关联信息或者个人关联的身份信息找回或者重新设置支付密码。支付密码可以包括数字密码，也可以包括手势密码等。该用户账户、支付密码、以及绑定的至少一张银行卡的银行卡信息可被存储在用户管理平台服务器4的数据库中。
当然，用户也可以选择在充值的时候再选定银行卡。支付终端1上的电子钱包的余额存储在支付终端1的终端软件、芯片卡和存储器的其中之一，或者是当中的任意一种组合。
注册用户账户后，用户可设置相应的登录密码，并可使用支付终端1登录该用户账户。若用户忘记登录密码，可找回原登录密码，找回密码的方式可通过短信验证，邮箱验证或者身份关联信息验证等等，如本领域技术人员所熟知的。
支付终端1可以通过相应的支付软件来实现上述用户账户的注册请求、密码设置、银行卡的绑定。该支付软件可以安装在支付终端1上。例如，用户可以在支付终端1上打开该支付软件，通过该支付软件进行用户账户的注册、管理，较佳的还可以实现银行卡的绑定、默认银行卡的设定、以及银行卡的绑定解除等等。
而在消费终端2上，请参见图4，其上设有商户账户，商户账户和商户所属的银行卡绑定在一起。和支付终端1上的用户账户和用户银行卡的绑定的原理相同，消费终端2上的商户账户和其所属的银行卡也用同样的方式绑定在一起，具体过程此处不赘述。
用户在实现了用户账户的注册之后，还会使用支付账户(其中一个示例为银 行卡，以下以银行卡为例进行说明)对用户账户进行充值。充值的原理请参见图5，本实施例中以用户注册时已绑定银行卡为例来说明，首先由用户在支付终端1上发起充值请求，例如用户在支付软件的用户界面上点击充值按钮，输入充值金额，发起充值请求(步骤①)。
用户管理平台服务器4基于接收到的充值请求产生充值订单，并将充值订单号发送到支付终端1(步骤②)，与此同时将充值订单号发送到账户结算平台服务器3，由账户结算平台记录下来(步骤③)。
支付终端1在接收到充值订单号后，用户在支付终端1上进行支付密码的输入(步骤④)。进而由用户管理平台服务器4验证支付密码，经确认有效后将用户绑定的银行卡号、充值订单信息(如订单号和充值金额等信息)发送到账户结算平台服务器3(步骤⑤)。
账户结算平台服务器3按照银行的扣款接口，将用户绑定的银行信息和扣款金额发送到银行系统(步骤⑥)。银行确认信息正确后，将款项打入账户结算平台服务器3上的银行卡账户(步骤⑦)。
银行款项到账后，更新用户管理平台服务器4上的电子钱包的金额信息(步骤⑧)以及支付终端1上的显示的金额信息(步骤⑨)。
当然，正如前述内容所记载的，用户可以在充值的时候再来选择银行卡，但是和绑定银行卡的示例相比，流程上都是相同的，区别仅仅在于银行卡是预先绑定的还是临时选定的。
基于电子钱包进行支付的原理请参见图2所示，支付终端1在靠近消费终端2时，通过传输通道发出用户账户信息给消费终端2。支付终端1上的支付软件生成用户支付界面，显示消费订单号、金额等信息，用户需要确认订单，同时在支付软件的用户支付界面上输入支付密码(支付密码有两种支付方式，一种是在支付软件的界面上进行输入，一种是在POS终端设备22上的键盘上按键输入)。用户账户信息连同支付密码被发送到消费终端2(步骤①)。较佳的，用户账户信息和支付密码通过传输介质信号发送的方式是以加密的方式来实现的。
支付终端1和消费终端2之间的通信是借助声波或者射频信号来实现的，具体而言，可在支付终端1上设置对应的编码模块，以进行原始信号的编码(例如声波传输的编码、射频信号的编码等)。需要注意的是，用户账户信息和支付密码的 加密和编码是两个独立的过程，既可以先进行编码后加密，也可以先进行加密后编码。同时在消费终端2处设置对应的解码模块，以对编码传输来的信息进行解码处理(例如声波解码、射频信号解码等)。对于消费终端2，其结构可以是传统POS机集成解码模块来实现，也可以是计算机结合解码器的方式来实现，或者解码器和POS机是单立的两个组件。在本实施例中，消费终端2可以是一个POS机终端，以下的描述中以POS端2来代替消费终端2。
POS端2在接收到用户账户信息后，通过声波或者射频信号的方式发出支付反馈信息至支付终端1，并由支付终端1基于接收到的支付反馈信息更新电子钱包的余额(步骤②)。作为替代，POS端2可以提供二维码或者类似的可视对象供支付终端1扫描，作为支付反馈信息。
在账户结算平台服务器3上，接收到发送到服务器上的金额结算的请求(步骤③)。账户结算平台服务器在账户结算平台上进行支付终端上的用户账户的金额结算，更新服务器上的用户账户的电子钱包上的余额(步骤④)。结算平台可定期与商户进行结算。
电子钱包支付方法的一实施例
电子钱包支付方法的主体是基于电子钱包的支付流程，此外还包括了用户账户的注册和银行卡绑定流程、以及电子钱包的充值流程。以下就这三个流程分别进行说明。
用户账户的注册和银行卡绑定流程
用户通过支付终端向用户管理平台服务器请求注册和银行卡绑定。请同时参见图3，首先，用户管理平台服务器响应支付终端的注册请求，为支付终端注册一个用户账户，用户账户是电子钱包消费的用户身份，对应于用户的电子钱包。这些注册相关的用户信息可以存储在用户管理平台服务器上，例如存储在用户管理平台的数据库中。
注册用户账户后，用户可设置相应的登录密码，并可使用支付终端登录该用户账户。若用户忘记登录密码，可找回原登录密码，找回密码的方式可通过短信验证，邮箱验证或者身份关联信息验证等等，如本领域技术人员所熟知的。
用户登录该用户账户后，可以提交将银行卡与该用户账户相绑定的请求。用户可提交银行卡的银行卡信息，例如卡号、开户行、持卡人姓名、身份证号等等到用户管理平台。用户管理平台可例如通过账户结算平台，将用户提交的银行卡信息发送到银行进行验证。例如，用户管理平台可将用户打包的信息按照指定接口与通信协议将信息提交到账户结算平台服务器，账户结算平台服务器根据支付交易系统提供的接口与通信协议将信息上报给银行，并接收银行反馈的验证提示。
若验证成功，则可将该用户账户(电子钱包)与该银行卡相绑定。用户可以为该用户账户绑定多张银行卡，同时可以设置默认的银行卡，或者在电子钱包充值时选择相应的银行卡进行支付。
绑定银行卡后，用户可通过支付终端设定电子钱包的支付密码，响应于用户的输入可设置电子钱包的支付密码。同时，当用户忘记该支付密码时，可通过银行卡关联信息或者个人关联的身份信息找回或者重新设置支付密码。支付密码可以包括数字密码，也可以包括手势密码等。该用户账户、支付密码、以及绑定的至少一张银行卡的银行卡信息可被存储在用户管理平台服务器的数据库中。
支付终端可以通过相应的支付软件来实现上述用户账户的注册请求、密码设置、银行卡的绑定。该支付软件可以安装在支付终端上。例如，用户可以在支付终端上打开该支付软件，通过该支付软件进行用户账户的注册、管理，以及银行卡的绑定、默认银行卡的设定、以及银行卡的绑定解除等等。
电子钱包的充值流程
充值流程请参见图5，首先由用户在支付终端上发起充值请求，例如用户在支付软件的用户界面上点击充值按钮，输入充值金额，发起充值请求。
用户管理平台服务器基于接收到的充值请求产生充值订单，并将充值订单信息(包括充值订单号、充值金额等信息)发送到支付终端，与此同时将充值订单号发送到账户结算平台服务器，由账户结算平台记录下来。
支付终端在接收到充值订单信息后，经确认有效后将用户绑定的银行卡号、订单号和充值金额发送到账户结算平台服务器。银行卡的绑定仅仅是本发明的一个示例，在本发明的另一个示例中，无需在注册时进行银行卡的绑定，而是在充值的时候临时选择一张银行卡进行充值。此外，银行卡也仅是电子钱包充值的一个举例， 其他类似于银行卡的支付账户都适用于本实施例的流程。
账户结算平台服务器按照银行的扣款接口，将用户绑定的银行信息和扣款金额发送到银行系统。银行确认信息正确后，将款项打入账户结算平台服务器上的银行卡账户。
银行款项到账后，更新用户管理平台服务器上的电子钱包的金额信息以及支付终端上的显示的电子钱包的金额信息。
电子钱包的支付流程
基于电子钱包进行支付的原理请参见图2所示，支付终端在靠近消费终端时，发出用户账户信息至消费终端。支付终端上的支付软件生成用户支付界面，显示消费订单号、金额等信息，用户需要确认订单，同时通过在支付软件的用户支付界面上输入支付密码(或者在POS终端设备上的键盘按键输入支付密码)。用户账户信息连同支付密码以某一传输介质的信号的方式(例如声波、Wifi或者射频信号)被发送到消费终端。较佳的，用户账户信息和支付密码通过上述传输介质发送的方式是以加密的方式来实现的。
支付终端和消费终端之间的通信是借助声波、或者射频信号来实现的，具体而言，可在支付终端上设置对应的编码模块，以进行原始信号的编码(例如声波传输的编码、射频信号的编码等)。而且，用户账户信息和支付密码的加密和编码是两个独立的过程，既可以先进行编码后加密，也可以先进行加密后编码。同时在消费终端处设置对应的解码模块，以对编码传输来的信息进行解码处理(例如声波解码、射频信号解码等)。对于消费终端，其结构可以是传统POS机集成解码模块来实现，也可以是计算机结合解码器的方式来实现，或者解码器和POS机是单立的两个组件。在本实施例中，消费终端可以是一个POS机终端。
消费终端在接收到这些信息后，通过声波或者电磁波信号(例如射频信号或者光信号)的方式发出支付反馈信息至支付终端，并由支付终端基于接收到的支付反馈信息更新电子钱包的余额。作为替代，消费终端可以提供二维码或者类似的可视对象供支付终端1扫描，作为支付反馈信息。
在账户结算平台服务器上在账户结算平台上进行支付终端上的用户账户的金额结算，并更新服务器上的用户账户的电子钱包的余额。结算平台可定期与商户进 行结算。
在上述的实施例中，支付终端是通过声波或者射频信号发送信息给消费终端的。射频信号通常基于WIFI协议或者NFC协议。但是可以理解，本发明的实施例还可以使用其它的信号载体。在下一实施例中，将例举另一种不同的信号载体，即可见光，在此实施例中，支付终端、光子消费终端及账户分别对应定义为光子支付终端、光子消费终端及光账户。
基于钱包的支付系统的另一实施例
图6示出了本发明电子钱包支付系统的另一实施例的框图。请参见图6，本实施例的系统包括：光子支付终端10以及光子消费终端20。较佳的，还可以包括账户结算平台服务器30以及用户管理平台服务器40。
光子支付终端10可以是具有光发射功能的任何合适的便携式终端，例如蜂窝电话、卫星电话、无绳电话、个人数字助理(PDA)、具有无线连接能力的手持式设备、计算设备、或连接到无线调制解调器的其他处理设备等。光子支付终端10利用光发射单元14与其他具有光通信能力的设备进行光通信。
可见光通信技术是一种在LED技术上发展起来的新型无线光通信技术。通过LED光源的高频率闪烁来进行通信，有光代表1，无光代表0，可见光通信的传输速率最高达每秒千兆。可见光通信有着相当丰富的频谱资源，这是包括微波通信在内的一般无线通信无法比拟的。同时，可见光通信可以适用任何通信协议、适用于任何环境，并且可见光通信的设备架设灵活便捷、成本低廉，适合大规模普及应用。可见光通信系统利用可见光进行近距离通信，可见光的指向性高，不能穿透障碍物，比使用无线通信方式具有更高的安全性。
光发射单元14可利用例如发光二极管(LED)以一定规律高频闪烁发光来传达有意义的信号。例如，通过以有光代表高电平、无光代表低电平。
用户管理平台服务器40可以实现用户信息的管理。光子支付终端10可通过无线通信系统访问用户管理平台服务器40。这里的无线通信系统可以是诸如CDMA、TDMA、FDMA、OFDMA、SC-FDMA和其他系统。CDMA系统可实现诸如通用地面无线电接入(UTRA)、CDMA2000等无线电技术。UTRA包括宽带 CDMA(W-CDMA)和其他CDMA变体。此外，CDMA 2000涵盖IS-2000、IS-95和IS-856标准。TDMA系统可实现诸如全球移动通信系统(GSM)等无线电技术。OFDMA系统可实现诸如演进型UTRA(E-UTRA)、超移动宽带(UMB)、IEEE802.11(Wi-Fi)、IEEE 802.16(WiMAX)、IEEE 802.20、
Figure PCTCN2015082863-appb-000002
等之类的无线电技术。此外，这些无线通信系统还可包括常常使用非配对无许可频谱、802.xx无线LAN、蓝牙以及任何其他短程或长程无线通信技术的对等(例如，移动对移动)自组织(ad hoc)网络系统。
用户管理平台服务器40包括注册模块41。用户通过光子支付终端10向用户管理平台服务器40请求注册。请同时参见图8，注册模块41用于注册用户账户(也称为光账户)，响应光子支付终端10的注册请求，注册模块41为光子支付终端10注册一个用户账户(光账户)，用户账户是光子消费的用户身份，对应于用户的电子钱包。这些注册相关的用户信息可以存储在用户管理平台服务器40上，例如存储在用户管理平台服务器40的数据库中。用户可以在注册用户账户的同时选择绑定某张银行卡，这张绑定的银行卡就作为用户对账户对应的电子钱包进行充值的默认银行卡，在本实施例中用户提交将银行卡与该光账户相绑定的请求，可同时提交对应的银行卡的银行卡信息，例如卡号、开户行、持卡人姓名、身份证号等等到用户管理平台服务器40。用户管理平台服务器40可例如通过下文描述的账户结算平台服务器30，将用户提交的银行卡信息发送到银行进行验证。例如，用户管理平台服务器40可将用户打包的信息按照指定接口与通信协议将信息提交到账户结算平台服务器30，账户结算平台服务器30根据支付交易系统提供的接口与通信协议将信息上报给银行，并接收银行反馈的验证提示。
若验证成功，则用户管理平台服务器40可将该光账户(光账户、电子钱包)与该银行卡相绑定。用户可以为该光账户绑定多张银行卡，同时可以设置默认的银行卡，或者在电子钱包充值时选择相应的银行卡进行支付。
绑定银行卡后，用户可通过光子支付终端10设定电子钱包的支付密码，响应于用户的输入，注册模块41可设置电子钱包的支付密码。同时，当用户忘记该支付密码时，可通过银行卡关联信息或者个人关联的身份信息找回或者重新设置支付密码。支付密码可以包括数字密码，也可以包括手势密码等。该光账户、支付密码、以及绑定的至少一张银行卡的银行卡信息可被存储在用户管理平台服务器40的数 据库中。
当然，用户也可以选择在充值的时候再选定银行卡。光子支付终端10上的电子钱包的余额存储在光子支付终端10的终端软件、芯片卡和存储器中的其中之一，或者是当中的任意一种组合。
注册光账户后，用户可设置相应的登录密码，并可使用光子支付终端1登录该光账户。若用户忘记登录密码，可找回原登录密码，找回密码的方式可通过短信验证，邮箱验证或者身份关联信息验证等等，如本领域技术人员所熟知的。
光子支付终端10可以通过相应的支付软件来实现上述光账户的注册请求、密码设置、银行卡的绑定。该支付软件可以安装在光子支付终端10上。例如，用户可以在光子支付终端10上打开该支付软件，通过该支付软件进行光账户的注册、管理，较佳的还可以实现银行卡的绑定、默认银行卡的设定、以及银行卡的绑定解除等等。
而在光子消费终端20上，请参见图9，其上设有商户账户，商户账户和商户所属的银行卡绑定在一起。和光子支付终端10上的用户账户和用户银行卡的绑定的原理相同，光子消费终端20上的商户账户和其所属的银行卡也用同样的方式绑定在一起，具体过程此处不赘述。
用户在实现了用户账户的注册之后，还会使用支付账户(其中一个示例为银行卡，以下以银行卡为例进行说明)对用户账户进行充值。充值的原理请参见图10，本实施例中以用户注册时已绑定银行卡为例来说明，首先由用户在光子支付终端1上发起充值请求，例如用户在支付软件的用户界面上点击充值按钮，输入充值金额，发起充值请求(步骤①)。
用户管理平台服务器40基于接收到的充值请求产生充值订单，并将充值订单号发送到光子支付终端10(步骤②)，与此同时将充值订单号发送到账户结算平台服务器30，由账户结算平台记录下来(步骤③)。
光子支付终端10在接收到充值订单号后，用户在光子支付终端10上进行支付密码的输入(步骤④)。进而由用户管理平台服务器40验证支付密码，经确认有效后将用户绑定的银行卡号、充值订单信息(如订单号和充值金额等信息)发送到账户结算平台服务器30(步骤⑤)。
账户结算平台服务器30按照银行的扣款接口，将用户绑定的银行信息和扣款 金额发送到银行系统(步骤⑥)。银行确认信息正确后，将款项打入账户结算平台服务器30上的银行卡账户(步骤⑦)。
银行款项到账后，更新用户管理平台服务器40上的电子钱包的金额信息(步骤⑧)以及光子支付终端10上的显示的金额信息(步骤⑨)。
当然，正如前述内容所记载的，用户可以在充值的时候再来选择银行卡，但是和绑定银行卡的示例相比，流程上都是相同的，区别仅仅在于银行卡是预先绑定的还是临时选定的。
基于电子钱包进行支付的原理请参见图2所示，光子支付终端10在靠近光子消费终端20时，发出光账户信息给光子消费终端20。光子支付终端10上的支付软件生成用户支付界面，显示消费订单号、金额等信息，用户需要确认订单，同时在支付软件的用户支付界面上输入支付密码(支付密码有两种支付方式，一种是在支付软件的界面上进行输入，一种是在POS终端设备22上的键盘上按键输入)。光账户信息连同支付密码被发送到光子消费终端20(步骤①)。较佳的，光账户信息和支付密码通过光信号发送的方式是以加密的方式来实现的。
光子支付终端10包括编码单元11和光发射单元12。编码单元11对光账户信息进行编码，然后通过光发射单元12向外发射经编码的光账户信息的光信号。需要注意的是，光账户信息和支付密码的加密和编码是两个独立的过程，既可以先进行编码后加密，也可以先进行加密后编码。光子消费终端20用于接收光信号，具体实例可以是光子POS端，可以是包括光接收模块21的一体式POS机，也可以是与单立的光接收模块21相连接的常规POS机，也可以是集成了光接收模块21的计算机。例如，常规POS机可通过通信接口(诸如RS232、USB接口)与光接收模块21通信，或者通过无线网络与光接收模块21通信，下文以一体式POS机架构为例对光子POS端进行描述。
光子POS端20可通过光接收模块21与光子支付终端10实现光通信。光子支付终端10中的编码单元11对要传达的原始通信数据进行编码，原始通信数据可以是光子支付终端10要传达给光子POS端20的任何信息数据。常见的例如NRZ编码等方式。
在对原始通信数据进行编码后，光发射单元12可以例如通过以发光表示高电平信号，而以不发光表示低电平来将接收到的经编码的信号以可见光的形式发送出 去。
光接收模块21中的光接收单元211用于接收光发射单元12发射的可见光信号，并将可见光信号转换为电信号，例如，对于LED灯产生的高频率闪烁，有光可代表高电平，无光可代表低电平，或反之，从而可将接收的可见光信号转换为数字信号。光接收单元122可包括光敏器件，例如光电二极管、光电三极管等。利用光电二极管的电信号与光信号的特性，通过光电转换将形成电脉冲信号。实践中由于光子支付终端10与光子POS端20的相对位置不一样，即每个光子支付终端10发射到光子POS端20的光信号强度是不一样的，所以其电信号强弱也是不一样的，所以需要对光电二极管所形成的电流进行整流比较。如当二极管通过的电流值高于某一定门限值时，光电转换电路将输出的电压电平值调整为高电平；当通过光电二极管的电流值低于某一门限值时，光电转换电路将输出的电压电平值调整为低电平。该门限值的设定是通过一个数学模型根据不同的环境来设定的，如距离较远时，门限值可能会降低；距离近时门限值可能会相对升高。通过以上过程，可以将电平调整到一定范围内，以此保证正确的脉冲形状，以尽可能保证采样的准确性。
光子POS端20中的解码单元212可对光电转换得到的电信号进行解码以获得光子支付终端10所发送的原始通信数据(例如光账户信息、支付密码等)。
当用户在商户消费需要支付交易费用时，用户可通过光子支付终端10以光信号的形式向光子POS端20发送支付身份信息。具体地，编码单元11可对支付身份信息进行编码，例如可包括RZ脉冲计数编码、PPM编码等等。
光子POS端20在接收到光账户信息后，通过声波或者电磁波信号(例如射频信号或者光信号)的方式发出支付反馈信息至光子支付终端1，并由光子支付终端1基于接收到的支付反馈信息更新电子钱包的余额(步骤②)。作为替代，光子POS端20可以提供二维码或者类似的可视对象供光子支付终端10扫描。
在账户结算平台服务器30上，接收到发送到服务器上的金额结算的请求(步骤③)。账户结算平台服务器在账户结算平台上进行光子支付终端上的用户账户的金额结算，更新服务器上的用户账户的电子钱包上的余额(步骤④)。结算平台可定期与商户进行结算。
基于电子钱包的支付方法的另一实施例
整个基于电子钱包的光子支付方法的主体是基于电子钱包的支付流程，此外还包括了用户账户(光账户)的注册和银行卡绑定流程、以及电子钱包的充值流程。以下就这三个流程分别进行说明。
用户账户的注册和银行卡绑定流程：
用户通过光子支付终端向用户管理平台服务器请求注册和银行卡绑定。请同时参见图8，首先，用户管理平台服务器响应光子支付终端的注册请求，为光子支付终端注册一个用户账户(光账户)，用户账户是光子消费的用户身份，对应于用户的电子钱包。这些注册相关的用户信息可以存储在用户管理平台服务器上，例如存储在用户管理平台的数据库中。
注册光账户后，用户可设置相应的登录密码，并可使用光子支付终端登录该光账户。若用户忘记登录密码，可找回原登录密码，找回密码的方式可通过短信验证，邮箱验证或者身份关联信息验证等等，如本领域技术人员所熟知的。
用户登录该光账户后，可以提交将银行卡与该光账户相绑定的请求。用户可提交银行卡的银行卡信息，例如卡号、开户行、持卡人姓名、身份证号等等到用户管理平台。用户管理平台可例如通过账户结算平台，将用户提交的银行卡信息发送到银行进行验证。例如，用户管理平台可将用户打包的信息按照指定接口与通信协议将信息提交到账户结算平台服务器，账户结算平台服务器根据支付交易系统提供的接口与通信协议将信息上报给银行，并接收银行反馈的验证提示。
若验证成功，则可将该光账户(用户账户、电子钱包)与该银行卡相绑定。用户可以为该光账户绑定多张银行卡，同时可以设置默认的银行卡，或者在电子钱包充值时选择相应的银行卡进行支付。
绑定银行卡后，用户可通过光子支付终端设定电子钱包的支付密码，响应于用户的输入可设置电子钱包的支付密码。同时，当用户忘记该支付密码时，可通过银行卡关联信息或者个人关联的身份信息找回或者重新设置支付密码。支付密码可以包括数字密码，也可以包括手势密码等。该光账户、支付密码、以及绑定的至少一张银行卡的银行卡信息可被存储在用户管理平台服务器的数据库中。
光子支付终端可以通过相应的支付软件来实现上述光账户的注册请求、密码设置、银行卡的绑定。该支付软件可以安装在光子支付终端上。例如，用户可以在光子支付终端上打开该支付软件，通过该支付软件进行光账户的注册、管理，以及 银行卡的绑定、默认银行卡的设定、以及银行卡的绑定解除等等。
电子钱包的充值流程
充值流程请参见图10，首先由用户在光子支付终端上发起充值请求，例如用户在支付软件的用户界面上点击充值按钮，输入充值金额，发起充值请求。
用户管理平台服务器基于接收到的充值请求产生充值订单，并将充值订单信息(包括充值订单号、充值金额等信息)发送到光子支付终端，与此同时将充值订单号发送到账户结算平台服务器，由账户结算平台记录下来。
光子支付终端在接收到充值订单信息后，经确认有效后将用户绑定的银行卡号、订单号和充值金额发送到账户结算平台服务器。银行卡的绑定仅仅是本发明的一个示例，在本发明的另一个示例中，无需在注册时进行银行卡的绑定，而是在充值的时候临时选择一张银行卡进行充值。此外，银行卡也仅是电子钱包充值的一个举例，其他类似于银行卡的支付账户都适用于本实施例的流程。
账户结算平台服务器按照银行的扣款接口，将用户绑定的银行信息和扣款金额发送到银行系统。银行确认信息正确后，将款项打入账户结算平台服务器上的银行卡账户。
银行款项到账后，更新用户管理平台服务器上的电子钱包的金额信息以及光子支付终端上的显示的金额信息。
电子钱包的支付流程
基于电子钱包进行支付的原理请参见图7所示，光子支付终端在靠近光子消费终端时，发出光账户信息至光子消费终端。光子支付终端上的支付软件生成用户支付界面，显示消费订单号、金额等信息，用户需要确认订单，同时通过在支付软件的用户支付界面上输入支付密码(或者在POS终端设备上的键盘按键输入支付密码)。光账户信息连同支付密码以光信号的方式被发送到光子消费终端。较佳的，光账户信息和支付密码通过光信号发送的方式是以加密的方式来实现的。
光子消费终端在接收到这些信息后，通过声波或者电磁波(例如射频信号或者光信号)的方式发出支付反馈信息至光子支付终端，并由光子支付终端基于接收到的支付反馈信息更新电子钱包的余额。作为替代，光子消费终端可以提供二维码 或者类似的可视对象供光子支付终端扫描，作为支付反馈信息。
光子支付终端在发送光账户信息的步骤中需要对光账户信息进行编码，然后向外发射经编码的光账户信息的光信号。而且，光账户信息和支付密码的加密和编码是两个独立的过程，既可以先进行编码后加密，也可以先进行加密后编码。光子消费终端用于接收光信号，具体实例可以是光子POS端，可以是包括光接收模块的一体式POS机，也可以是与单立的光接收模块相连接的常规POS机，还可以是集成了光接收模块的计算机。例如，常规POS机可通过通信接口(诸如RS232、USB接口)与光接收模块通信，或者通过无线网络与光接收模块通信，下文以一体式POS机架构为例对光子POS端进行描述。
光子POS端可通过光接收模块与光子支付终端实现光通信。光子支付终端对要传达的原始通信数据进行编码，原始通信数据可以是光子支付终端要传达给光子POS端的任何信息数据。常见的例如NRZ编码等方式。
在对原始通信数据进行编码后，光子支付终端可以例如通过以发光表示高电平信号，而以不发光表示低电平来将接收到的经编码的信号以可见光的形式发送出去。
光消费终端的光接收芯片接收发射的可见光信号，并将可见光信号转换为电信号，例如，对于LED灯产生的高频率闪烁，有光可代表高电平，无光可代表低电平，或反之，从而可将接收的可见光信号转换为数字信号。光接收芯片可包括光敏器件，例如光电二极管、光电三极管等。利用光电二极管的电信号与光信号的特性，通过光电转换将形成电脉冲信号。实践中由于光子支付终端与光子POS端的相对位置不一样，即每个光子支付终端发射到光子POS端的光信号强度是不一样的，所以其电信号强弱也是不一样的，所以需要对光电二极管所形成的电流进行整流比较。如当二极管通过的电流值高于某一定门限值时，光电转换电路将输出的电压电平值调整为高电平；当通过光电二极管的电流值低于某一门限值时，光电转换电路将输出的电压电平值调整为低电平。该门限值的设定是通过一个数学模型根据不同的环境来设定的，如距离较远时，门限值可能会降低；距离近时门限值可能会相对升高。通过以上过程，可以将电平调整到一定范围内，以此保证正确的脉冲形状，以尽可能保证采样的准确性。
光子POS端20对光电转换得到的电信号进行解码以获得光子支付终端所发 送的原始通信数据。
当用户在商户消费需要支付交易费用时，用户可通过光子支付终端以光信号的形式向光子POS端20发送支付身份信息。具体地，可对支付身份信息进行编码，例如可包括RZ脉冲计数编码、PPM编码等等。
在账户结算平台服务器上在账户结算平台上进行光子支付终端上的用户账户的金额结算，并更新服务器上的用户账户的电子钱包的余额。结算平台可定期与商户进行结算。
尽管为使解释简单化将上述方法图示并描述为一系列动作，但是应理解并领会，这些方法不受动作的次序所限，因为根据一个或多个实施例，一些动作可按不同次序发生和/或与来自本文中图示和描述或本文中未图示和描述但本领域技术人员可以理解的其他动作并发地发生。
本领域技术人员将进一步领会，结合本文中所公开的实施例来描述的各种解说性逻辑板块、模块、电路、和算法步骤可实现为电子硬件、计算机软件、或这两者的组合。为清楚地解说硬件与软件的这一可互换性，各种解说性组件、框、模块、电路、和步骤在上面是以其功能性的形式作一般化描述的。此类功能性是被实现为硬件还是软件取决于具体应用和施加于整体系统的设计约束。技术人员对于每种特定应用可用不同的方式来实现所描述的功能性，但这样的实现决策不应被解读成导致脱离了本发明的范围。
结合本文所公开的实施例描述的各种解说性逻辑板块、模块、和电路可用通用处理器、数字信号处理器(DSP)、专用集成电路(ASIC)、现场可编程门阵列(FPGA)或其它可编程逻辑器件、分立的门或晶体管逻辑、分立的硬件组件、或其设计成执行本文所描述功能的任何组合来实现或执行。通用处理器可以是微处理器，但在替换方案中，该处理器可以是任何常规的处理器、控制器、微控制器、或状态机。处理器还可以被实现为计算设备的组合，例如DSP与微处理器的组合、多个微处理器、与DSP核心协作的一个或多个微处理器、或任何其他此类配置。
结合本文中公开的实施例描述的方法或算法的步骤可直接在硬件中、在由处理器执行的软件模块中、或在这两者的组合中体现。软件模块可驻留在RAM存储器、闪存、ROM存储器、EPROM存储器、EEPROM存储器、寄存器、硬盘、可移动盘、CD-ROM、或本领域中所知的任何其他形式的存储介质中。示例性存储介 质耦合到处理器以使得该处理器能从/向该存储介质读取和写入信息。在替换方案中，存储介质可以被整合到处理器。处理器和存储介质可驻留在ASIC中。ASIC可驻留在用户终端中。在替换方案中，处理器和存储介质可作为分立组件驻留在用户终端中。
在一个或多个示例性实施例中，所描述的功能可在硬件、软件、固件或其任何组合中实现。如果在软件中实现为计算机程序产品，则各功能可以作为一条或更多条指令或代码存储在计算机可读介质上或藉其进行传送。计算机可读介质包括计算机存储介质和通信介质两者，其包括促成计算机程序从一地向另一地转移的任何介质。存储介质可以是能被计算机访问的任何可用介质。作为示例而非限定，这样的计算机可读介质可包括RAM、ROM、EEPROM、CD-ROM或其它光盘存储、磁盘存储或其它磁存储设备、或能被用来携带或存储指令或数据结构形式的合意程序代码且能被计算机访问的任何其它介质。任何连接也被正当地称为计算机可读介质。例如，如果软件是使用同轴电缆、光纤电缆、双绞线、数字订户线(DSL)、或诸如红外、无线电、以及微波之类的无线技术从web网站、服务器、或其它远程源传送而来，则该同轴电缆、光纤电缆、双绞线、DSL、或诸如红外、无线电、以及微波之类的无线技术就被包括在介质的定义之中。如本文中所使用的盘(disk)和碟(disc)包括压缩碟(CD)、激光碟、光碟、数字多用碟(DVD)、软盘和蓝光碟，其中盘(disk)往往以磁的方式再现数据，而碟(disc)用激光以光学方式再现数据。上述的组合也应被包括在计算机可读介质的范围内。
提供对本公开的先前描述是为使得本领域任何技术人员皆能够制作或使用本公开。对本公开的各种修改对本领域技术人员来说都将是显而易见的，且本文中所定义的普适原理可被应用到其他变体而不会脱离本公开的精神或范围。由此，本公开并非旨在被限定于本文中所描述的示例和设计，而是应被授予与本文中所公开的原理和新颖性特征相一致的最广范围。

Claims (20)

  1. 一种电子钱包支付系统，包括支付终端以及消费终端，其中：
    所述支付终端通过一传输通道发出账户信息至所述消费终端；以及
    所述消费终端接收到所述账户信息后，发出支付反馈信息至所述支付终端，并由所述支付终端基于接收到的所述支付反馈信息更新电子钱包的余额。
  2. 根据权利要求1所述的电子钱包支付系统，其特征在于，所述支付终端通过可见光信号发出所述账户信息至所述消费终端。
  3. 根据权利要求1所述的电子钱包支付系统，还包括：
    账户结算平台服务器，在账户结算平台上进行所述支付终端上的用户账户的金额结算，更新服务器上的所述用户账户的电子钱包上的余额。
  4. 根据权利要求3所述的电子钱包支付系统，还包括：
    用户管理平台服务器，分别和所述账户结算平台服务器、所述支付终端建立数据通讯，其中所述用户管理平台服务器包括：
    注册模块，接收用户发起的注册请求，基于注册请求分配一用户账户，其中所述用户账户代表用于消费的用户身份，对应用户的电子钱包。
  5. 根据权利要求1所述的电子钱包支付系统，其特征在于，所述支付终端通过所述传输通道的信号将在所述支付终端上输入的支付密码发送给所述消费终端，且所述账户信息以及支付密码均以加密方式来传输。
  6. 根据权利要求4所述的电子钱包支付系统，其特征在于，所述用户管理平台服务器基于用户发起的充值申请产生充值订单后发送到支付终端，并将支付账户和充值订单信息发送到所述账户结算平台服务器，由所述账户结算平台服务器和支付账户系统结算成功后，更新支付终端中的电子钱包的金额。
  7. 根据权利要求1、3-6中任一项所述的电子钱包支付系统，其特征在于，该传输通道的信号为声波或者射频信号。
  8. 根据权利要求2所述的电子钱包支付系统，其特征在于，所述支付终端还包括：
    编码单元，对所述账户信息进行编码；以及
    光发射单元，发射经编码的账户信息的光信号。
  9. 根据权利要求8所述的电子钱包支付系统，其特征在于，所述消费终端包括：
    光接收模块，其中包括：
    光接收单元，接收所述支付终端发出的光信号并通过光电转换将光信号转换为电信号；以及
    解码单元，对电信号执行解码以获得所述账户信息；以及
    POS设备或计算机，和所述光接收模块电性连接。
  10. 一种电子钱包支付方法，包括：
    支付终端向消费终端通过一传输通道发送账户信息；
    所述消费终端接收到账户信息后，发出支付反馈信息至所述支付终端；以及
    所述支付终端在接收到所述支付反馈信息后更新电子钱包的余额。
  11. 根据权利要求10所述的电子钱包支付方法，其特征在于，所述支付终端通过可见光信号向所述消费终端发出所述账户信息。
  12. 根据权利要求10所述的电子钱包支付方法，还包括：
    账户结算平台服务器在账户结算平台上进行所述支付终端上的用户账户的金额结算，更新服务器上的所述用户账户的电子钱包上的余额。
  13. 根据权利要求12所述的电子钱包支付方法，还包括账户注册流程，其包括：
    所述支付终端注册用户账户及其对应的电子钱包，并上传到用户管理平台服务器。
  14. 根据权利要求10所述的电子钱包支付方法，其特征在于，所述支付终端还通过所述传输通道的信号将所述支付终端上输入的支付密码发送给所述消费终端，且所述账户信息以及支付密码均以加密方式来传输。
  15. 根据权利要求10所述的电子钱包支付方法，其特征在于，所述消费终端通过声波、光信号、射频信号或者二维码的方式发出所述支付反馈信息。
  16. 根据权利要求12所述的电子钱包支付方法，还包括电子钱包充值流程，其包括：
    所述用户管理平台服务器基于用户发起的充值申请产生充值订单，将充值订单信息和所述支付账户发送到所述支付终端和所述账户结算平台服务器；
    由所述账户结算平台服务器和支付账户系统结算成功后，更新所述支付终端中的电子钱包的金额。
  17. 根据权利要求10、12-16中任一项所述的电子钱包支付方法，其特征在于，所述传输通道的信号包含声波或者射频信号。
  18. 根据权利要求11所述的电子钱包支付方法，其特征在于，所述消费终端是光子POS端或计算机。
  19. 根据权利要求11所述的电子钱包支付方法，其特征在于，所述支付终端发射账户信息的光信号的步骤进一步包括：
    对所述账户信息进行编码；
    发射经编码的所述账户信息的光信号。
  20. 根据权利要求19所述的电子钱包支付方法，其特征在于，所述消费终端接收经编码的账户信息的光信号的步骤进一步包括：
    接收所述支付终端发出的光信号并通过光电转换将光信号转换为电信号；
    对电信号进行解码以获得所述账户信息。
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