Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06F—ELECTRIC DIGITAL DATA PROCESSING
  • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
  • G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
  • G06F21/82—Protecting input, output or interconnection devices
  • G06F21/83—Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
  • G07G1/00—Cash registers
  • G07G1/12—Cash registers electronically operated
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/20—Point-of-sale [POS] network systems
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
  • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
  • G06Q20/327—Short range or proximity payments by means of M-devices
  • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code

Definitions

• the present invention relates to the field of electronic payment technologies, and in particular, to a PIN pad, a payment system, and a payment method.
• the PIN pad is one of the indispensable computer external devices for the financial checkout system. It is widely used in communication, government, transportation, government, industry and commerce, taxation, supermarket and other service industries, with the banking system.
• POS Used in machine and management systems.
• the password keyboard in the traditional payment is used as a key input device, which is mainly used to input a password, has a single function, and has no multifunctional application.
• Sonic Pay is compatible with all kinds of smartphones on the market. PAD .
• the solution of sound wave payment mainly includes payment methods such as mobile phone to vending machine. The method of sound wave payment is easy to be stolen and analyze relevant data, and the security needs to be improved. Second, the communication process is easily interfered by external sounds. In view of this, it is necessary to further improve the above-mentioned PIN pad, integrate the sonic payment, and take advantage of both to eliminate the shortcomings of both.
• the technical problem to be solved by the present invention is to provide a cryptographic keyboard, a payment system and a payment method thereof that are safe and reliable and support sound wave payment.
• the technical solution adopted by the present invention is to provide a cryptographic keyboard, which includes a keyboard body, a key input component and a communication interface, and the key input component includes a digital key module and a function key module.
• the method further includes an acoustic processing component and a data processing chip, wherein the acoustic processing component is electrically connected to the data processing chip, and the data processing chip passes through a communication interface.
• the sound wave processing component includes an acoustic wave receiving module, an acoustic wave filtering module, a sound wave amplifying module, and a sound wave sampling module, wherein the sound wave receiving module is electrically connected to the sound wave filtering module, and the sound wave filtering module is electrically connected to the sound wave amplifying module.
• the sound wave amplification module is electrically connected to the sound wave sampling module;
• the data processing chip includes a sound wave analysis module and a key generation module;
• the sound wave receiving module is configured to receive an analog signal sent by the electronic device; and the sound wave filter module is used by Filtering the received analog signal, filtering out the interference signal, and improving the signal to noise ratio;
• the sound wave amplification module is configured to amplify the signal to a preset signal resolution amplitude;
• the sound wave sampling module is configured to The analog signal is subjected to sampling processing to form a digital signal;
• the sound wave parsing module is configured to demodulate, decode, and decrypt the digital signal to form a payment signal;
• the key generation module is configured to generate a key in response to a number entered by the user Signal; the communication interface for using a payment signal and a key letter Into POS terminal.
• a payment system including an electronic device, a PIN pad, and POS
• the PIN pad includes a keyboard body, a key input component, and a communication interface
• the key input component includes a numeric key module and a function key module
• the electronic device is communicably connected with the PIN pad, and the PIN pad and the PIN pad are POS
• the terminal is electrically connected;
• the electronic device includes a payment data generating module, a payment data processing module, and a payment data sending module;
• the payment data generating module is electrically connected to the payment data processing module;
• the payment data processing module and the payment data sending module are electrically
• the cryptographic keyboard further includes an acoustic wave processing component and a data processing chip, wherein the acoustic wave processing component is electrically connected to the data processing chip, and the data processing chip passes through a communication interface POS
• the sound wave processing component includes an acoustic wave receiving module, an acoustic wave filtering module,
• the sound wave amplification module is electrically connected to the sound wave sampling module; the data processing chip includes a sound wave analysis module and a key generation module; and the payment data generation module is configured to generate payment data used by the transaction according to the sound wave payment operation selected by the user.
• the payment data processing module is configured to encrypt, encode, and modulate the payment data to form an analog signal; the payment data sending module is configured to send the modulated analog signal to the cryptographic keyboard in a sound wave manner;
• the sound wave receiving module is configured to receive an analog signal sent by the electronic device; the sound wave filtering module is configured to filter the received analog signal, filter the interference signal, and improve a signal to noise ratio; the sound wave amplifying module is used Amplify the signal to a preset signal resolution range
• the sound wave sampling module is configured to perform sampling processing on the amplified analog signal to form a digital signal; the sound wave parsing module is configured to perform demodulation, decoding, and decryption processing on the digital signal to form a payment signal; the key generation module Generating a key signal in response to a number entered by the user; the communication interface for feeding the payment signal and the key signal POS Terminal POS
• the terminal is configured to perform a confirmation transaction on the key signal, and then complete the payment transaction according to the payment signal.
• the third technical solution adopted by the present invention is to provide a payment method for a payment system, including the following steps:
• the transaction process of the terminal enters the state of sound wave payment to be received, and establishes a communication connection between the PIN pad and the electronic device;
• the electronic device generates the payment data used for the transaction according to the sonic payment operation selected by the user;
• the cryptographic keyboard receives the analog signal and filters and amplifies the analog signal
• the cryptographic keyboard samples and processes the analog signal after the amplification process to generate a digital signal
• the cryptographic keyboard demodulates, decodes, and decrypts the digital signal to obtain a payment signal and uploads it to POS terminal;
• the PIN pad generates a key signal in response to the number entered by the user and uploads it to POS terminal;
• the terminal After the terminal confirms the key signal, the terminal completes the payment transaction according to the payment signal.
• the invention has the beneficial effects that the payment system of the invention is provided with a sonic processing component and a data processing chip on the PIN pad, which can support the sound wave payment of the external electronic device, so that the traditional and emerging technologies are combined, and the user is provided with more payment.
• Payment options can greatly improve user fluency and satisfaction, and at the same time be compatible with a variety of traditional manual input payments and emerging mobile phones, PAD Such as mobile payment, payment is more convenient, reducing the error rate.
• the payment data processing module is arranged on the electronic device and the signal processing module is set on the cryptographic keyboard to encrypt or decrypt the payment data, thereby ensuring the safety and reliability of the sound wave payment.
• Figure 1 Is a structural block diagram of the cryptographic keyboard of the present invention
• Figure 2 Is a structural block diagram of the acoustic processing component of the present invention
• FIG. 3 Is a structural block diagram of the payment system of the present invention.
• Figure 4 It is a flow chart of the payment method of the payment system of the present invention.
• password keyboard 10- Acoustic processing component, 101- Sound wave receiving module, 102- Acoustic filter module, 103- Sound wave amplification module, 104- Acoustic sampling module, 201- Digital key module, 202- Function key module, 30- Data processing chip, 40- Communication Interface;
• the most critical idea of the present invention is that the sound wave processing component and the data processing chip are arranged on the cryptographic keyboard, and the manual input payment can be compatible while supporting the sound wave payment, which is safe, reliable, fast and convenient for people's lives.
• the present invention provides a cryptographic keyboard including a keyboard body, a key input component, and a communication interface.
• the key input component includes a digital key module 201 And function key module 202 also includes sonic processing components 10 Data processing chip 30 , the sonic processing component 10 Data processing chip 30 Electrical connection, the data processing chip 30 Communication interface 40 versus POS terminal 3 Electrical connection; the acoustic processing component 10 Sound wave receiving module 101 Acoustic filter module 102 Acoustic amplification module 103 Acoustic sampling module 104 The sound wave receiving module 101 Acoustic filter module 102 Electrical connection, the acoustic wave filter module 102 Acoustic amplification module 103 Electrical connection, the sound wave amplification module 103 Acoustic sampling module 104 Electrical connection; the data processing chip 30 The sound wave analysis module and the key generation module are included;
• Acoustic wave receiving module 101 For receiving electronic devices 2 Transmitted analog signal; the acoustic wave filtering module 102 , for filtering the received analog signal, filtering out the interference signal, and improving the signal to noise ratio; the sound wave amplification module 103 For amplifying the signal to a preset signal resolution amplitude; the sound sampling module 104 And the sampling process is performed to form a digital signal; the sound wave parsing module is configured to perform demodulation, decoding, and decryption processing on the digital signal to form a payment signal; and the key generation module is configured to respond to the user.
• the typed number generates a key signal; the communication interface 40 For sending payment signals and key signals POS terminal 3 .
• the microphone is disposed in the keyboard body, and the keyboard is provided with a through hole, and the microphone receives an analog signal through the through hole.
• the microphone is integrated into the keyboard and does not occupy the keyboard vacancy, which is convenient for miniaturization.
• the communication interface 40 For serial port or USB interface.
• the acoustic signal transmission rate can be reached 1.2kbps Above, compared to most of the current market 200bps The rate is greatly improved, which greatly shortens the transaction time and improves the user experience.
• the beneficial effect of the solution is that the sonic processing component is set on the password keyboard.
• 10 And data processing chip 30 Can support external electronic devices 2
• the sonic payment makes traditional and emerging technologies combine to provide users with a variety of payment options, which can greatly improve user's universality and satisfaction, and at the same time be compatible with various traditional manual input payments and emerging mobile phones. PAD Such as mobile payment, payment is more convenient, reducing the error rate. Plus, in electronic devices 2 Payment data processing module twenty two And setting the signal processing module on the PIN pad can encrypt or decrypt the payment data, ensuring the safety and reliability of the sound wave payment.
• the microphone is integrated into the keyboard and does not occupy the keyboard vacancy, which is convenient for miniaturization.
• the present invention provides a payment system including an electronic device 2 ,password keyboard 1 as well as POS End, the PIN pad 1 Including keyboard body, key input component, and communication interface 40
• the key input component includes a digital key module 201 And function key module 202 , the electronic device 2 And password keyboard 1 Communication connection 1 versus POS Electrical connection; the electronic device 2 Payment data generation module twenty one Payment data processing module twenty two And payment data sending module twenty three The payment data generation module twenty one Payment data processing module twenty two Electrical connection; the payment data processing module twenty two Payment module twenty three Electrical connection 1 Acoustic processing component 10 And data processing chip 30 , the sonic processing component 10 Data processing chip 30 Electrical connection, the data processing chip 30 Communication interface 40 versus POS terminal 3 Electrical connection; the acoustic processing component 10 Sound wave receiving module 101 Acoustic filter module 102 Acoustic amplification module 103 Acoustic sampling module 104 The sound wave receiving module 101 Acoustic filter module 102 Electrical connection, the acoustic wave filter module 102 Acoustic amplification module 103 Electrical connection, the sound wave amplification
• Payment data generation module twenty one And for generating payment data used by the transaction according to the sound wave payment operation selected by the user; the payment data processing module twenty two And used for encrypting, encoding, and modulating the payment data to form an analog signal; the payment data sending module twenty three For transmitting the modulated analog signal to the cryptographic keyboard by sound wave 1
• the sound wave receiving module 101 For receiving electronic devices 2 Transmitted analog signal; the acoustic wave filtering module 102 , for filtering the received analog signal, filtering out the interference signal, and improving the signal to noise ratio; the sound wave amplification module 103 For amplifying the signal to a preset signal resolution amplitude; the sound sampling module 104 And the sampling processing is performed to form a digital signal; the signal parsing module is configured to perform demodulation, decoding, and decryption processing on the digital signal to form a payment signal; and the sound wave parsing module is configured to use the digital signal Performing demodulation, decoding, and decryption processing to form a payment signal;
• the payment data sending module twenty three For the speaker the speaker is 10kHZ-20kHZ Frequency of the analog signal sent out
• the sound wave receiving module 101 For the microphone the microphone is disposed in the keyboard body, and the keyboard is provided with a through hole, and the microphone receives an analog signal through the through hole.
• the microphone is integrated into the keyboard and does not occupy the keyboard vacancy, which is convenient for miniaturization.
• the electronic device 2 For mobile phones, PAD , tablet or notebook. It should be noted that in addition to the above electronic devices 2 In addition, it can be other electronic devices with speakers.
• the beneficial effects of the solution are: using an electronic device to send an analog signal to the cryptographic keyboard in a sound wave manner, and adding a sound wave receiving module and a signal processing module on the PIN pad, capable of receiving and processing the analog signal to form a payment signal, and passing through the user.
• Type a digitally generated key signal on the PIN pad to confirm the security of the payment, and finally POS
• the terminal completes the payment transaction, which combines the traditional and emerging technologies, provides a variety of payment options for the user to pay, can greatly improve the user's universality and satisfaction, and at the same time is compatible with various traditional manual input payment and emerging mobile phones, PAD Such as mobile payment, payment is more convenient, reducing the error rate.
• the payment data processing module is arranged on the electronic device and the signal processing module is set on the cryptographic keyboard to encrypt or decrypt the payment data, thereby ensuring the safety and reliability of the sound wave payment.
• the microphone is integrated in the keyboard, does not occupy the keyboard vacancy, and is convenient for miniaturization design.
• the present invention provides a payment method for a payment system, including the following steps.
• the transaction process of the terminal enters the state of sound wave payment to be received, and establishes a communication connection between the PIN pad and the electronic device;
• the electronic device generates the payment data used for the transaction according to the sonic payment operation selected by the user;
• the cryptographic keyboard receives the analog signal and filters and amplifies the analog signal
• cryptographic keyboard samples and processes the analog signal after the amplification process to generate a digital signal
• the cryptographic keyboard demodulates, decodes, and decrypts the digital signal to obtain a payment signal
• the PIN pad generates a key signal in response to the number entered by the user and uploads it to POS terminal;
• the terminal After the terminal confirms the key signal, the terminal completes the payment transaction according to the payment signal.
• the encrypted and encoded payment data is processed by a two-phase or four-phase phase modulation processing method; the step “ The cryptographic keyboard demodulates, decodes, and decrypts the payment signal.
• the digital signal is demodulated, decoded, and decrypted by a two-phase or four-phase phase modulation demodulation method.
• Data transmission adopts phase modulation modulation, which can be adopted as needed 2 phase, 4 In a different way, even if the signal is recorded, it is not easy to be cracked. Due to the phase modulation method adopted by the present invention, the transmission rate can be greatly improved, and sufficient data capacity can be encrypted to encrypt the useful data in the transaction time allowed by the user, and the data packet structure is improved to make the data less. Easy to be cracked.
• the frequency of the analog signal is 10kHZ-20kHZ .
• the frequency of the analog signal can be designed according to specific needs, and can be 10kHZ , 15KHZ , 20kHZ Equal frequency points are available.
• the beneficial technical effects of the solution are: enabling sound wave payment, ensuring the reliability of payment, meeting design needs, and facilitating people's lives. And the data transmission adopts the modulation mode of phase modulation, which can be adopted as needed. 2 phase, 4 In a different way, even if the signal is recorded, it is not easy to be cracked, which greatly increases the security of sound wave payment.

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• Engineering & Computer Science (AREA)
• Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Theoretical Computer Science (AREA)
• Physics & Mathematics (AREA)
• Accounting & Taxation (AREA)
• Strategic Management (AREA)
• General Business, Economics & Management (AREA)
• Computer Hardware Design (AREA)
• Computer Networks & Wireless Communication (AREA)
• Finance (AREA)
• Computer Security & Cryptography (AREA)
• Software Systems (AREA)
• General Engineering & Computer Science (AREA)
• Cash Registers Or Receiving Machines (AREA)
• Input From Keyboards Or The Like (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

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• 2014
  • 2014-05-05 CN CN201410185861.1A patent/CN103984911B/zh active Active
• 2015
  • 2015-01-14 WO PCT/CN2015/070698 patent/WO2015169107A1/zh active Application Filing
  • 2015-01-14 JP JP2016565301A patent/JP6236171B2/ja active Active

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