WO2017173764A1 - 支付方法、设备及系统 - Google Patents

支付方法、设备及系统 Download PDF

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Publication number
WO2017173764A1
WO2017173764A1 PCT/CN2016/095555 CN2016095555W WO2017173764A1 WO 2017173764 A1 WO2017173764 A1 WO 2017173764A1 CN 2016095555 W CN2016095555 W CN 2016095555W WO 2017173764 A1 WO2017173764 A1 WO 2017173764A1
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Prior art keywords
payment
wearable device
payment server
optical signal
biometric identity
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PCT/CN2016/095555
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English (en)
French (fr)
Inventor
张建
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中兴通讯股份有限公司
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Publication of WO2017173764A1 publication Critical patent/WO2017173764A1/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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Definitions

  • the present application relates to, but is not limited to, the field of communications technologies, and in particular, to a payment method, device and system.
  • the mobile payment methods in the related art include a two-dimensional code payment method and a Near Field Communication (NFC) payment method.
  • the implementation method of the two-dimensional code payment is that, under the condition of networking, the two-dimensional code image is scanned, and the information contained in the two-dimensional code image is analyzed to complete the payment; the NFC payment is performed by the host-based card emulation (Host-based Card Emulation). , HCE) is implemented in the cloud.
  • HCE host-based card emulation
  • the two-dimensional code payment method requires the user to take out the mobile phone, open the application, wait for loading, scan information, and then perform payment, the steps are cumbersome and inconvenient to use, and the two-dimensional code image is easy to copy, lacks uniqueness, and depends on the network. If a user accesses the network through a public hotspot, there is a security risk of payment; while the corresponding software of the NFC payment method has not been popularized, the payment service based on the HCE is also related to the security mechanism of the data security, code security, and transmission security. The problem cannot be ignored.
  • This paper provides a payment method, device and system to make payment shopping more secure and convenient.
  • An embodiment of the present invention provides a payment method, where the method includes:
  • the wearable device After receiving the optical signal sent by the payment server, the wearable device reads the biometric identity input by the user;
  • the wearable device sends a payment light cluster corresponding to the biometric identity to the payment server according to the biometric identity and the infrared light cluster mapping table.
  • the wearable device receives the optical signal sent by the payment server, including:
  • the wearable device receives an optical signal transmitted by a payment server through a light sensor, and converts the optical signal into billing data for display.
  • the method further includes:
  • the wearable device sends a payment light cluster corresponding to the biometric identity to the payment server according to the biometric identity and the infrared light cluster mapping table, including:
  • the wearable device After the validity verification of the biometric identity is passed, the wearable device sends a payment light cluster corresponding to the biometric identity to the payment according to the biometric identity and the infrared light cluster mapping table. server.
  • the wearable device performs validity verification on the biometric identity, including:
  • the wearable device identifies feature information of the biometric identity, and analyzes whether the feature information is identifiable;
  • the validity of the biometric feature is verified.
  • the biometric identity and infrared light cluster mapping table is after the validity verification of the biometric identity by the wearable device, based on the beam coding information generated according to the feature information of the biometric identity feature. Formed; wherein the beam coding information includes the number of beams and the wavelength or frequency of the beam.
  • the method before the wearable device receives the optical signal sent by the payment server by using the light sensor, the method further includes:
  • the wearable device sends a client identifier to the payment server; the client identifier is used by the wearable device to establish a session with the payment server;
  • the wearable device receives an establishment session identifier sent by the payment server.
  • the method further includes:
  • the wearable device sends an end transaction session light cluster to the payment server.
  • the embodiment of the invention further provides a payment method, the method comprising:
  • the payment server encodes the bill data into an optical signal and sends it to the wearable device
  • the payment server analyzes the type of the transaction optical signal, and performs a corresponding operation according to the analysis result.
  • the type of the transaction optical signal includes a payment light cluster and an end transaction session light cluster
  • the payment server analyzes the type of the transaction optical signal, and performs a corresponding operation according to the analysis result, including:
  • the payment server When the payment server analyzes that the type of the transaction optical signal is a payment light cluster, the payment server converts the payment light cluster into a payment key to complete payment;
  • the payment server When the payment server analyzes that the type of the transaction optical signal is the end of the transaction session optical signal, the payment server ends the current payment transaction.
  • the method further includes:
  • the payment server sends a setup session identifier to the wearable device.
  • the method further includes:
  • the payment server scans billing information and generates billing data based on the billing information.
  • the embodiment of the invention further provides a computer readable storage medium storing computer executable instructions, which are implemented when the computer executable instructions are executed.
  • the embodiment of the invention further provides a wearable device, the wearable device comprising:
  • the first receiving module is configured to: receive an optical signal sent by the payment server;
  • the verification module is configured to: after the first receiving module receives the optical signal sent by the payment server, read the biometric identity input by the user;
  • the first sending module is configured to: according to the biometric identity and the infrared light cluster mapping table, the trigger beam transmitter sends the payment light cluster corresponding to the biometric identity to the payment server.
  • the first receiving module is configured to:
  • the optical signal transmitted by the payment server is received by the light sensor, and the optical signal is converted into billing data for display.
  • the verification module is further configured to: perform validity verification on the biometric identity
  • the first sending module is configured to: after the validity verification of the biometric feature is passed, trigger the beam transmitter to correspond to the biometric identity according to the biometric identity and the infrared light cluster mapping table Sent to the payment server.
  • the verification module is set to:
  • Identifying feature information of the biometric identity analyzing whether the feature information is identifiable; when the feature information is unrecognizable, validity verification of the biometric identity fails; when the feature information is identifiable, Validation of the validity of biological identity features.
  • the biometric identity and infrared light cluster mapping table is after the validity verification of the biometric identity by the wearable device, based on the beam coding information generated according to the feature information of the biometric identity feature. Formed; wherein the beam coding information includes the number of beams and the wavelength or frequency of the beam.
  • the first sending module is further configured to:
  • the client identifier is used by the wearable device to establish a session with the payment server;
  • the first receiving module is further configured to: receive an establishment session identifier sent by the payment server.
  • the first sending module is further configured to: send an end transaction session light cluster to the payment server.
  • An embodiment of the present invention further provides a payment server, where the payment server includes:
  • the second sending module is configured to: encode the bill data into an optical signal, and send the data to the wearable device Prepared
  • a second receiving module configured to: receive a transaction optical signal sent by the wearable device
  • the analyzing module is configured to: analyze the type of the transaction optical signal received by the second receiving module, and perform a corresponding operation according to the analysis result.
  • the type of the transaction optical signal includes a payment light cluster and an end transaction session light cluster
  • the analysis module is set to:
  • the second receiving module is further configured to: receive a client identifier sent by the wearable device; the client identifier is used by the wearable device to establish a session with the payment server;
  • the second sending module is further configured to: send a setup session identifier to the wearable device.
  • the payment server further includes:
  • the scanning module is configured to: scan billing information, and generate billing data according to the billing information.
  • the embodiment of the invention further provides a payment system, the system comprising:
  • the wearable device after receiving the optical signal sent by the payment server, the wearable device reads the biometric identity input by the user; and the wearable device according to the biometric identity and the infrared light cluster mapping table
  • the trigger beam transmitter transmits a payment light cluster corresponding to the biometric identity to the payment server to complete the payment.
  • the wearable device is used as an optical payment client, and the biometric identity and the payment light cluster are formed into a mapping table by using the preset biometric identity, and the corresponding optical signal is converted and generated by the corresponding biometric feature information during payment.
  • POS point of sales
  • FIG. 1 is a flowchart of a payment method according to Embodiment 1 of the present invention.
  • FIG. 2 is a schematic diagram of a pulse width modulation coding method used in a payment method according to an embodiment of the present invention
  • FIG. 3 is a flowchart of a payment method according to Embodiment 2 of the present invention.
  • FIG. 4 is a schematic structural diagram of a wearable device according to an embodiment of the present invention.
  • FIG. 5 is a schematic structural diagram of a payment server according to an embodiment of the present invention.
  • FIG. 6 is a schematic structural diagram of a payment system according to an embodiment of the present invention.
  • a wearable device also known as a wearable computing device, refers to a mobile smart device that is worn on a person or integrated into clothes and accessories, and is a new technical direction.
  • the corresponding electronic products of wearable devices have gradually entered our lives.
  • the features of the wearable device include: the wearable device is based on an artificial carrier, that is, the person is in use at any time, and has a good security feature such as a smart watch or a wristband connected to each person's physical characteristics; but related art
  • the application level of the wearable device is in the aspect of human health care and motion tracking. According to the above feature, if the wearable device can be used for payment, the shopping payment will have a new form and is safer and more convenient.
  • the embodiments of the present invention are based on this.
  • a new payment method using optical communication based on a wearable device is adopted, and the wearable device can be used as an optical payment client, and the biometric identity is preset and the biometric identity is adopted.
  • FIG. 1 is a flowchart of a payment method according to Embodiment 1 of the present invention. As shown in FIG. An example provides a payment method, including:
  • Step 101 After receiving the optical signal sent by the payment server, the wearable device reads the biometric identity input by the user.
  • the payment server may be referred to as an optical payment server.
  • Receiving, by the wearable device, the optical signal sent by the payment server, the method may include:
  • the wearable device receives an optical signal transmitted by a payment server through a light sensor, and converts the optical signal into billing data for display.
  • the wearable device can convert the optical signal into billing data according to a codec protocol, and display it on the screen of the wearable device, so that the user can check the billing data.
  • the user may choose to complete the payment or cancel the payment. If the user chooses to cancel the payment, the wearable device may be triggered to send the end of the transaction session light cluster to the payment server. The payment server cancels the transaction.
  • the wearable device can read the biometric identity input by the user and verify whether the biometric identity input by the user is identifiable, that is, the biometric identity is performed. Validation.
  • step 102 is performed.
  • the wearable device identifies feature information of the biometric identity, and analyzes whether the feature information is identifiable; when the feature information is unrecognizable, the validity verification of the biometric identity fails; When the feature information is identifiable, the validity of the biometric identity is verified.
  • the wearable device needs to be pre-positioned with the biometric identity of the user.
  • the common biometric identity of the fingerprint may be selected, or other biometric features may be selected. Such as iris, face and so on.
  • the fingerprint identification device may be built in or externally placed on the wearable device; the fingerprint direction, curvature, position and the like may be extracted according to the fingerprint. Information and analyze whether it is identifiable, that is, whether a valid fingerprint sample can be obtained based on the relevant feature information.
  • the beam coding information can be generated by the infrared beam modulation device built into the wearable device, including the number of beams and the wavelength or frequency of the beam, forming a biological identity feature.
  • an infrared light cluster mapping table which can trigger the emission of the corresponding infrared light cluster according to the biological identity feature during payment, wherein the biometric identity and the key of the infrared light cluster mapping table (ie, the index) can be biological identity features, such as fingerprint characteristics.
  • the corresponding value of the key in the mapping table may be beam coding information, and the sum of the beams set by the beam coding information may be a payment light cluster.
  • the biometric identity (such as fingerprint feature) is unrecognizable and cannot be used as a preset sample (such as a fingerprint sample)
  • the invalid biometric feature may be prompted to be entered on the display of the wearable device, and then the feature information may be entered again (such as fingerprint information).
  • the above-mentioned infrared beam modulation device built in the wearable device generates beam coding information, and the process including the number of beams and the wavelength or frequency of the beam may include:
  • the fingerprint information is read, and the fingerprint feature is extracted according to an algorithm in the related art, such as a texture pattern matching algorithm, and the data of the feature is stored according to the graphic gray information, and the stored value is between 0 and 255.
  • the data information (such as the stored sequence of values) is then converted into binary information, such as a feature block, which is based on a protocol that conforms to the biometric identity and infrared beam mapping relationship given in this embodiment (see Table 1). Generated; the protocol may include a sequence region, a check region (generated by a cyclic redundancy check code), a feature data region, and an additional information region.
  • each data block can be modulated into a beam by a pulse width modulator, and the number of beams is p beam, and the wavelength of each beam can be different, and can be selected in the wavelength range of the infrared light, and the wavelength of the infrared light can be selected. It is between 770 nm and 1 mm.
  • These data blocks can be converted into infrared light by the signal transmitting device when the user pays, and sequentially emitted by the infrared emitting light emitting diode to form a light cluster; according to the wavelength of the light beam, there are n possible choices in each light beam, then the array is arranged.
  • the manner of combining the coded information forming each light cluster may include: It can be understood that the richer the beam information corresponding to the beam coding information corresponding to the biometric identity in the mapping table, the more secure the transaction information setting.
  • the wearable device may send a client identifier to the payment server; the client identifier is used for the The wearable device establishes a session with the payment server; the wearable device can receive the establishment session identifier sent by the payment server, thereby completing the establishment of the session.
  • Step 102 The wearable device sends a payment light cluster corresponding to the biometric identity to the payment server according to the biometric identity and the infrared light cluster mapping table.
  • the wearable device may perform validity verification on the biometric identity, and after the validity verification is passed, the wearable device may be based on a biometric identity and an infrared light cluster mapping table.
  • the trigger beam transmitter transmits a payment light cluster corresponding to the biometric identity to the payment server.
  • the biometric identity and infrared light cluster mapping table may be formed by beam coding information generated according to the feature information of the biometric identity feature after the validity verification of the biometric identity feature by the wearable device is passed.
  • the beam coding information includes the number of beams and the wavelength or frequency of the beam.
  • the implementation manner of generating the beam coding information according to the biological identity feature and the infrared light cluster mapping table may include: reading the biometric information block saved in the data storage area, that is, the data information encoded according to the protocol based on the biological identity feature and the infrared beam mapping relationship, It can be seen from the above description that there are a total of p such data blocks; the pulse width modulator device is connected, and the characteristic information block data is pulse width modulated to form a pulse sequence of a certain wavelength or frequency, and a pulse width modulation code thereof is given here. In this way, as shown in Figure 2, each code stores information (a wide pulse represents 1, and a narrow pulse represents 0), that is, a beam of light carries the complete binary information of a feature block.
  • the pulse sequence is then transmitted to the space by emitting an infrared pulse to the space by driving the infrared emitting light emitting diode, that is, carrying the characteristic information
  • the infrared beam of the block-encoded binary information is transmitted; the payment server converts the received infrared light information into electrical signal information, and is reduced to a feature information block by the filter demodulation device.
  • the technical solution of this embodiment can improve the security of payment.
  • FIG. 3 is a flowchart of a payment method according to Embodiment 2 of the present invention. As shown in FIG. 3, the method provided in this embodiment may be performed by a payment server. Accordingly, the method provided in this embodiment includes:
  • Step 201 The payment server encodes the bill data into an optical signal and sends the data to the wearable device.
  • the payment server may scan billing information, generate billing data according to the billing information, and wait for a session to be established with the wearable device, and correspondingly, the payment server may receive the wearable a client identifier sent by the device; the client identifier is used by the wearable device to establish a session with the payment server; the payment server may send a setup session identifier to the wearable device, thereby completing session establishment.
  • the process of generating the billing data according to the billing information may include: encoding the billing data into an optical signal.
  • the account data may be converted into a high frequency flicker signal of the LED.
  • the brightness and darkness of the LEDs are represented as 0 and 1, respectively. This change in brightness and darkness is perceived by the receiver built into the wearable device, because the frequency is too high and we are not aware of it.
  • the data can be converted to a binary representation of 0 and 1.
  • the signals of 0 and 1 are inversely converted into corresponding data; the client and the server of the optical payment system need to comply with the codec protocol, and the data for binary representation and the people can recognize.
  • ACSII American Standard Code for Information Interchange
  • GBK Chinese Character Internal Code Extension Specification
  • Step 202 The payment server receives a transaction light signal sent by the wearable device.
  • Step 203 The payment server analyzes the type of the transaction optical signal, and performs a corresponding operation according to the analysis result.
  • the type of the transaction optical signal includes a payment light cluster and an end transaction session light cluster; optionally, when the payment server analyzes that the type of the transaction optical signal is a payment light cluster, the payment server will Converting the payment light cluster into a payment key to complete payment; optionally, when the payment server analyzes that the type of the transaction optical signal is ending the transaction session optical signal, the payment service End this payment transaction.
  • the light sensor of the payment server can convert the infrared light pulse signal into an electrical signal, and then perform demodulation processing to restore the binary electrical signal, and then the binary signal of the payment server is converted into data and saved to the data.
  • the storage area that is, the data stored as a feature information protocol block, after receiving the data, may sort the data according to the serial number of the protocol, and use the check code to verify whether the received data is completed, and if complete, each of the data may be extracted.
  • the data indicating the biometrics of the protocol information block such as the fingerprint feature data, converts the data into a payment key; for ending the transaction session optical signal, it may be set to send the feature protocol information block that is coded to be empty, that is, the corresponding data area. No content.
  • the payment authentication and transaction authorization system can be accessed, and the system can confirm the authorization and the valid identity feature and perform payment, thereby completing the payment and printing the related ticket.
  • the technical solution of this embodiment can improve the security of payment.
  • the embodiment of the invention further provides a computer readable storage medium storing computer executable instructions, which are implemented when the computer executable instructions are executed.
  • FIG. 4 is a schematic structural diagram of a wearable device according to an embodiment of the present invention.
  • the wearable device 10 provided in this embodiment includes: a first receiving module 11, a verification module 12, and a first sending module 13.
  • the first receiving module 11 is configured to: receive an optical signal sent by the payment server;
  • the verification module 12 is configured to: after the first receiving module receives the optical signal sent by the payment server, read the biometric identity input by the user;
  • the first sending module 13 is configured to: according to the biometric identity feature and the infrared light cluster mapping table, the trigger beam transmitter sends the payment light cluster corresponding to the biometric identity to the payment server.
  • the first receiving module 11 is configured to: receive, by the light sensor, an optical signal sent by the payment server, and convert the optical signal into billing data for display.
  • the verification module 12 is further configured to: perform validity verification on the biometric identity;
  • the first sending module 13 is configured to: after the validity verification of the biometric feature is passed, according to the biometric identity and the infrared light cluster mapping table, the trigger beam emitter and the living body The payment light cluster corresponding to the feature is sent to the payment server.
  • the verification module 12 is configured to: identify feature information of the biometric identity, analyze whether the feature information is identifiable, and verify validity of the biometric identity when the feature information is unrecognizable Failure; when the feature information is identifiable, the validity of the biometric identity is verified.
  • the biometric identity and infrared light cluster mapping table is after the validity verification of the biometric identity by the wearable device, based on the beam coding information generated according to the feature information of the biometric identity feature. Formed; wherein the beam coding information includes the number of beams and the wavelength or frequency of the beam.
  • the first sending module 13 is further configured to: send a client identifier to the payment server; the client identifier is used by the wearable device to establish a session with the payment server;
  • the first receiving module 11 is further configured to: receive an establishment session identifier sent by the payment server.
  • the first sending module 13 is further configured to: send an end transaction session light cluster to the payment server.
  • the wearable device provided in this embodiment may be configured to perform the technical solution of the method embodiment shown in FIG. 1 , and the implementation principle and technical effects are similar, and details are not described herein again.
  • the first receiving module 11, the verification module 12, and the first sending module 13 may be a central processing unit (CPU), a microprocessor (MPU), a digital signal processor (DSP), or the like located on the wearable device.
  • CPU central processing unit
  • MPU microprocessor
  • DSP digital signal processor
  • Device implementation such as field programmable gate array (FPGA).
  • FIG. 5 is a schematic structural diagram of a payment server according to an embodiment of the present invention.
  • the payment server 20 provided in this embodiment includes: a second sending module 21, a second receiving module 22, and an analyzing module 23.
  • the second sending module 21 is configured to: encode the bill data into an optical signal, and send the data to the wearable device;
  • the second receiving module 22 is configured to: receive a transaction optical signal sent by the wearable device;
  • the analyzing module 23 is configured to: analyze the type of the transaction optical signal received by the signal receiving module, and perform a corresponding operation according to the analysis result.
  • the type of the transaction optical signal includes a payment light cluster and an end transaction session light cluster
  • the analyzing module 23 is configured to: when analyzing the type of the transaction optical signal as a payment light cluster, convert the payment light cluster into a payment key to complete payment; and analyze the type of the transaction optical signal as ending When the session light signal is traded, the payment transaction is ended.
  • the second receiving module 22 is further configured to: receive a client identifier sent by the wearable device; the client identifier is used by the wearable device to establish a session with the payment server;
  • the second sending module 21 is further configured to: send a setup session identifier to the wearable device.
  • the payment server 20 further includes:
  • the scanning module is configured to: scan billing information, and generate billing data according to the billing information.
  • the payment server provided in this embodiment may be configured to perform the technical solution of the method embodiment shown in FIG. 3, and the implementation principle and technical effects are similar, and details are not described herein again.
  • the second sending module 21, the second receiving module 22 and the analyzing module 23 may be implemented by a central processing unit (CPU), a microprocessor (MPU), a digital signal processor (DSP) or a field located on the payment server.
  • CPU central processing unit
  • MPU microprocessor
  • DSP digital signal processor
  • FPGA programmable gate array
  • FIG. 6 is a schematic structural diagram of a payment system according to an embodiment of the present invention. As shown in FIG. 6, the payment system provided in this embodiment includes:
  • the payment system provided by this embodiment may be configured to perform the technical solution of the foregoing embodiment, and the implementation principle and technical effects thereof are similar, and details are not described herein again.
  • all or part of the steps of the above embodiments may also be implemented by using an integrated circuit. These steps may be separately fabricated into individual integrated circuit modules, or multiple modules or steps may be fabricated into a single integrated circuit module. achieve.
  • the device/function module/functional unit in the above embodiment can be implemented by using a general-purpose computing device. Now, they can be concentrated on a single computing device or distributed over a network of multiple computing devices.
  • the device/function module/functional unit in the above embodiment When the device/function module/functional unit in the above embodiment is implemented in the form of a software function module and sold or used as a stand-alone product, it can be stored in a computer readable storage medium.
  • the above mentioned computer readable storage medium may be a read only memory, a magnetic disk or an optical disk or the like.
  • the payment method, device and system provided by the embodiment of the present invention after receiving the optical signal sent by the payment server, the wearable device reads the biometric identity input by the user; and the wearable device according to the biometric identity and the infrared light cluster mapping table
  • the trigger beam transmitter transmits a payment light cluster corresponding to the biometric identity to the payment server to complete the payment.
  • the wearable device is used as an optical payment client, and the biometric identity and the payment light cluster are formed into a mapping table by using the preset biometric identity, and the corresponding optical signal is converted and generated by the corresponding biometric feature information during payment.
  • the optical payment service end such as the optical sensing device of the POS machine
  • a payment key is generated, and the payment transaction is realized through the payment authentication and authorization system, thereby improving the security of payment.

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Abstract

一种支付方法包括：可穿戴设备接收到支付服务器发送的光信号后，读取用户输入的生物身份特征；所述可穿戴设备根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。

Description

支付方法、设备及系统 技术领域
本申请涉及但不限于通信技术领域，尤其涉及一种支付方法、设备及系统。
背景技术
随着移动产业设备的不断变革，智能终端迅速广泛地应用在多个领域，不断地加深着对人类生活的影响，方便着工作业务的处理，例如，使用手机进行购物支付已越来越多地应用于人们的生活中。
相关技术中的手机支付方式包括二维码支付方式和近场通信(Near Field Communication，NFC)支付方式。其中，二维码支付的实现方法有，在联网的条件下，扫描二维码图像，分析二维码图像包含的信息从而完成支付；NFC支付是通过基于主机的卡模拟(Host-based Card Emulation，HCE)的方式在云端实现。
然而，由于二维码支付方式需要用户取出手机，打开应用，等待加载、扫描信息再进行支付，使用时步骤繁琐，不便捷，且二维码图像容易复制，缺乏唯一性，且依赖于网络，如果用户通过公共热点接入网络，存在支付安全隐患；而NFC支付方式相应的软件尚未能普及，基于HCE的支付业务也因其实现机制的关系，从数据安全、代码安全到传输安全的安全问题也不可忽视。
发明内容
以下是对本文详细描述的主题的概述。本概述并非是为了限制权利要求的保护范围。
本文提供一种支付方法、设备及系统，以实现更加安全、便捷地进行支付购物。
本发明实施例提供一种支付方法，所述方法包括：
可穿戴设备接收到支付服务器发送的光信号后，读取用户输入的生物身份特征；
所述可穿戴设备根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。
可选地，所述可穿戴设备接收支付服务器发送的光信号，包括：
所述可穿戴设备通过光感应器接收支付服务器发送的光信号，并将所述光信号转化为账单数据进行显示。
可选地，所述读取用户输入的生物身份特征之后，所述方法还包括：
所述可穿戴设备对所述生物身份特征进行有效性验证；
所述可穿戴设备根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器，包括：
所述可穿戴设备在所述生物身份特征的有效性验证通过后，根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。
可选地，所述可穿戴设备对所述生物身份特征进行有效性验证，包括：
所述可穿戴设备识别所述生物身份特征的特征信息，分析所述特征信息是否可识别；
当所述特征信息不可识别时，所述生物身份特征的有效性验证失败；
当所述特征信息可识别时，所述生物身份特征的有效性验证通过。
可选地，所述生物身份特征与红外光簇映射表是所述可穿戴设备对所述生物身份特征的有效性验证通过后，基于根据所述生物身份特征的特征信息生成的光束编码信息所形成的；其中，所述光束编码信息中包括光束的数量和光束的波长或频率。
可选地，所述可穿戴设备通过光感应器接收支付服务器发送的光信号之前，所述方法还包括：
所述可穿戴设备向所述支付服务器发送客户端标识；所述客户端标识用于所述可穿戴设备与所述支付服务器建立会话；
所述可穿戴设备接收所述支付服务器发送的建立会话标识。
可选地，所述可穿戴设备将所述光信号转化为账单数据进行显示之后，所述方法还包括：
所述可穿戴设备向所述支付服务器发送结束交易会话光簇。
本发明实施例还提供一种支付方法，所述方法包括：
支付服务器将账单数据编码成光信号，并发送给可穿戴设备；
所述支付服务器接收所述可穿戴设备发送的交易光信号；
所述支付服务器分析所述交易光信号的类型，根据分析结果执行对应的操作。
可选地，所述交易光信号的类型包括支付光簇和结束交易会话光簇；
所述支付服务器分析所述交易光信号的类型，根据分析结果执行对应的操作，包括：
在所述支付服务器分析所述交易光信号的类型为支付光簇时，所述支付服务器将所述支付光簇转换成支付密钥，完成支付；
在所述支付服务器分析所述交易光信号的类型为结束交易会话光信号时，所述支付服务器结束本次支付交易。
可选地，所述支付服务器将账单数据编码成光信号并发送给可穿戴设备之前，所述方法还包括：
所述支付服务器接收所述可穿戴设备发送的客户端标识；所述客户端标识用于所述可穿戴设备与所述支付服务器建立会话；
所述支付服务器向所述可穿戴设备发送建立会话标识。
可选地，所述方法还包括：
所述支付服务器扫描账单信息，根据所述账单信息生成账单数据。
本发明实施例还提供了一种计算机可读存储介质，存储有计算机可执行指令，所述计算机可执行指令被执行时实现上述支付方法。
本发明实施例还提供一种可穿戴设备，所述可穿戴设备包括：
第一接收模块，设置为：接收支付服务器发送的光信号；
验证模块，设置为：在所述第一接收模块接收到所述支付服务器发送的光信号后，读取用户输入的生物身份特征；
第一发送模块，设置为：根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。
可选地，所述第一接收模块是设置为：
通过光感应器接收支付服务器发送的光信号，并将所述光信号转化为账单数据进行显示。
可选地，所述验证模块还设置为：对所述生物身份特征进行有效性验证；
所述第一发送模块是设置为：在所述生物身份特征的有效性验证通过后，根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。
可选地，所述验证模块是设置为：
识别所述生物身份特征的特征信息，分析所述特征信息是否可识别；当所述特征信息不可识别时，所述生物身份特征的有效性验证失败；当所述特征信息可识别时，所述生物身份特征的有效性验证通过。
可选地，所述生物身份特征与红外光簇映射表是所述可穿戴设备对所述生物身份特征的有效性验证通过后，基于根据所述生物身份特征的特征信息生成的光束编码信息所形成的；其中，所述光束编码信息中包括光束的数量和光束的波长或频率。
可选地，所述第一发送模块还设置为：
向所述支付服务器发送客户端标识；所述客户端标识用于所述可穿戴设备与所述支付服务器建立会话；
所述第一接收模块还设置为：接收所述支付服务器发送的建立会话标识。
可选地，所述第一发送模块还设置为：向所述支付服务器发送结束交易会话光簇。
本发明实施例还提供一种支付服务器，所述支付服务器包括：
第二发送模块，设置为：将账单数据编码成光信号，并发送给可穿戴设 备；
第二接收模块，设置为：接收所述可穿戴设备发送的交易光信号；
分析模块，设置为：分析所述第二接收模块接收到的所述交易光信号的类型，根据分析结果执行对应的操作。
可选地，所述交易光信号的类型包括支付光簇和结束交易会话光簇；
所述分析模块是设置为：
在分析所述交易光信号的类型为支付光簇时，将所述支付光簇转换成支付密钥，完成支付；
在分析所述交易光信号的类型为结束交易会话光信号时，结束本次支付交易。
可选地，所述第二接收模块还设置为：接收所述可穿戴设备发送的客户端标识；所述客户端标识用于所述可穿戴设备与所述支付服务器建立会话；
所述第二发送模块还设置为：向所述可穿戴设备发送建立会话标识。
可选地，所述支付服务器还包括：
扫描模块，设置为：扫描账单信息，根据所述账单信息生成账单数据。
本发明实施例还提供一种支付系统，所述系统包括：
如上所述的可穿戴设备，以及如上所述的支付服务器。
本发明实施例提供的支付方法、设备及系统，可穿戴设备接收到支付服务器发送的光信号后，读取用户输入的生物身份特征；所述可穿戴设备根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器，以完成支付。如此，将可穿戴设备作为光支付客户端，通过预置入的生物身份特征，并将生物身份特征和支付光簇形成映射表，在支付时由相应的生物身份特征信息转化生成相应的光信号，而在光支付服务端，如销售终端(POS，Point of sales)机的光感应装置中接收并分析光信号后，生成支付密钥，通过支付认证和授权系统，实现支付交易，从而提高了支付的安全性。
在阅读并理解了附图和详细描述后，可以明白其他方面。
附图概述
图1为本发明实施例一提供的支付方法的流程图；
图2为本发明实施例提供的支付方法中使用的脉宽调制编码方式的示意图；
图3为本发明实施例二提供的支付方法的流程图；
图4为本发明实施例提供的可穿戴设备的结构示意图；
图5为本发明实施例提供的支付服务器的结构示意图；
图6为本发明实施例提供的支付系统的结构示意图。
本发明的较佳实施方式
下面结合附图对本发明的实施方式进行描述。需要说明的是，在不冲突的情况下，本申请中的实施例及实施例中的各种方式可以相互组合。
相关技术中拥有众多功能的智能手机设备在尺寸上发生着巨大的变化。在这一趋势下，可穿戴设备的概念正悄然兴起。可穿戴设备，也称为可穿戴计算设备，是指被穿在人身上或整合进衣服、配件的移动智能设备，是一种新的技术方向。可穿戴设备相应电子产品已逐渐进入我们的生活。
可穿戴设备的特征包括：可穿戴设备是基于人为载体的，也即人随时在用，并且如智能手表或手环那样连着每个人的身体特征，具有很好的防伪特点；但是相关技术中可穿戴设备的应用层面是在人体保健、运动追踪方面，根据上面特征，如果能够将可穿戴设备用于支付，那么购物支付将会有一种新的形式，且更加安全、便捷。本发明实施例正是基于此提出的。
在本发明实施例中，采用了一种基于可穿戴设备的崭新的利用光通信的支付方式，可将可穿戴设备作为光支付客户端，通过预置入的生物身份特征，并将生物身份特征和支付光簇形成映射表，在支付时由相应的生物身份特征信息转化生成相应的交易光信号，而在光支付服务端的光感应装置中接收并分析光信号后，可生成支付密钥，通过支付认证和授权系统，实现支付交易。
图1为本发明实施例一提供的支付方法的流程图，如图1所示，本实施 例提供一种支付方法，包括：
步骤101、可穿戴设备接收到支付服务器发送的光信号后，读取用户输入的生物身份特征；
其中，支付服务器可称为光支付服务器。
所述可穿戴设备接收支付服务器发送的光信号，可包括：
所述可穿戴设备通过光感应器接收支付服务器发送的光信号，并将所述光信号转化为账单数据进行显示。
实际应用中，所述可穿戴设备可根据编解码协议将所述光信号转化为账单数据，并在可穿戴设备的屏幕上进行显示，以便于用户核对账单数据。
可选地，当用户在看到账单数据后，可以选择完成支付或者取消支付，如果用户选择取消支付，则可触发所述可穿戴设备向所述支付服务器发送结束交易会话光簇，以便于所述支付服务器取消本次交易。
如果用户在看到账单数据后，选择完成支付，则所述可穿戴设备可读取用户输入的生物身份特征，并验证用户输入的该生物身份特征是否可识别，即，对该生物身份特征进行有效性验证。
可选地，所述可穿戴设备在读取用户输入的生物身份特征之后，还需要对所述生物身份特征进行有效性验证，在验证通过后，执行步骤102。
可选地，所述可穿戴设备识别所述生物身份特征的特征信息，分析所述特征信息是否可识别；当所述特征信息不可识别时，所述生物身份特征的有效性验证失败；当所述特征信息可识别时，所述生物身份特征的有效性验证通过。
可选地，在实际使用时，所述可穿戴设备需要预先置入用户的生物身份特征，本实施例中，可以选择录入指纹这一常见的生物身份特征，也可以选择录入其他生物身份特征，如虹膜、人脸等。
例如，考虑到指纹具有终身不变性和唯一性，且相关技术中指纹识别技术已经成熟，可将指纹识别装置内置或外置于可穿戴设备；可根据指纹提取出指纹方向、曲率、位置等特征信息，并分析其是否为可识别的，即能否根据相关特征信息获取到有效指纹样本。
如果是可识别的、有效的生物身份特征(如指纹特征)，则可由可穿戴设备内置的红外光束调制装置，生成光束编码信息，包括了光束的数量和光束的波长或频率，形成生物身份特征和红外光簇映射表，在支付时可根据生物身份特征触发相应的红外光簇的发射，其中，生物身份特征与红外光簇映射表的键(即索引)可为生物身份特征，如指纹特征，该键在映射表中对应的值可为光束编码信息，该光束编码信息所设定的光束之和可为支付光簇。
如果生物身份特征(如指纹特征)不可识别，不能作为预置样本(如指纹样本)，则可在可穿戴设备的显示屏上提示录入的为无效生物身份特征，其后可以再次录入特征信息(如指纹信息)。
需要说明的是，上述由可穿戴设备内置的红外光束调制装置，生成光束编码信息，包括了光束的数量和光束的波长或频率的过程可包括：
读取指纹信息，按相关技术中的算法如基于纹理模式匹配算法，提取指纹特征，将该特征的数据按照图形灰度信息进行存储，所存储的值为在0至255之间。然后将数据信息(如所存储的值序列)转换为二进制信息，如转换为特征信息块，该信息块是基于符合本实施例给出的生物身份特征和红外光束映射关系的协议(如表一所示)生成的；该协议可包含序列区域、校验区域(由循环冗余校验码生成)、特征数据区域和附加信息区域。根据该协议，每一个特征信息块是一个红外光束帧，也就是说，第i个特征信息块的序列区域值为i、校验区域值由循环冗余校验码生成、特征数据区域值为该特征的数据对应的所存储的值序列的二进制表示(最多有1024bit，未放下的后续值序列的二进制表示可放在第i+1个特征信息块的特征数据区域)；数据分块完成后，可保存至设备的数据存储区。如果提取到的指纹特征总数据量为M Kbit(M>0)，则按协议生成的数据块个数p可为：p＝M/1024。
表一
Figure PCTCN2016095555-appb-000001
本实施例中，可将每一数据块由脉宽调制器调制为一束光，光束数量为 p束，每束光的波长可以不同，可在红外光波长范围内进行选择，红外光波长可为770纳米至1毫米之间。这些数据块可在用户支付时由信号发射装置转化为红外光，利用红外线发射发光二极管依次发出，以形成光簇；根据光束波长的不同，在每一束光有n种可能的选择，那么排列组合形成每一光簇的编码信息方式可以有：
Figure PCTCN2016095555-appb-000002
种，可以理解，对应于生物身份特征在映射表中所对应的光束编码信息的光束信息越丰富，则交易信息设置越安全。
可选地，在步骤101之前，所述可穿戴设备需要先与支付服务器建立会话，相应地，所述可穿戴设备可向所述支付服务器发送客户端标识；所述客户端标识用于所述可穿戴设备与所述支付服务器建立会话；所述可穿戴设备可接收所述支付服务器发送的建立会话标识，从而完成会话的建立。
步骤102、所述可穿戴设备根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。
需要说明的是，在步骤101中，所述可穿戴设备可对所述生物身份特征进行有效性验证，在有效性验证通过后，所述可穿戴设备可根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。
其中，所述生物身份特征与红外光簇映射表可以是所述可穿戴设备对所述生物身份特征的有效性验证通过后，基于根据所述生物身份特征的特征信息生成的光束编码信息所形成的；其中，所述光束编码信息中包括光束的数量和光束的波长或频率。
根据生物身份特征与红外光簇映射表生成光束编码信息的实现方式可包括：读取数据存储区保存的生物特征信息块，即按基于生物身份特征和红外光束映射关系的协议编码的数据信息，由上述说明可知这样的数据块共有p个；接入脉宽调制器装置，对特征信息块数据进行脉宽调制，形成某一波长或频率的脉冲序列，这里给出其脉宽调制编码的一种方式，如图2所示，每个编码都储存着信息(宽脉冲代表1，窄脉冲代表0)，即一束光携带着一个特征信息块的完整的二进制信息。然后将该脉冲序列通过驱动红外线发射发光二极管，向空间发射红外脉冲形式来向外发射，也就是将携带着特征信息 块编码的二进制信息的红外光束进行发射；支付服务端则将接收到的这一红外光信息转换成电信号信息，经过滤波解调装置还原成特征信息块。
本实施例的技术方案，可以提高支付的安全性。
图3为本发明实施例二提供的支付方法的流程图。如图3所示，本实施例提供的方法可以由支付服务器执行，相应地，本实施例提供的方法包括：
步骤201、支付服务器将账单数据编码成光信号，并发送给可穿戴设备。
可选地，在执行本步骤之前，所述支付服务器可扫描账单信息，根据所述账单信息生成账单数据，并等待与可穿戴设备建立会话，相应地，所述支付服务器可接收所述可穿戴设备发送的客户端标识；所述客户端标识用于所述可穿戴设备与所述支付服务器建立会话；所述支付服务器可向所述可穿戴设备发送建立会话标识，从而完成会话建立。
其中，根据账单信息生成账单数据的实现过程可包括：将账单数据编码成光信号，本实施例中，以发送购物账目待付总额为例，可以将该账目数据转换为LED的高频闪烁信号，利用LED的明暗分别表示为0和1，这种明暗的变化由可穿戴设备专门内置的接收器感知接收，因为频率太高，我们察觉不到。在此，可以将数据转化为0和1的二进制表示。而在可穿戴设备接收装置中，将0和1的信号逆转换为相应数据即可；光支付系统的客户端和服务端需要共同遵守编解码协议，用于二进制表示的数据和人们可认识的字符间的转换，简单地，可以采用熟知的美国标准信息交换代码(American Standard Code for Information Interchange，ACSII)编码表，或者《汉字内码扩展规范》(简称GBK)编码表的子集。
步骤202、所述支付服务器接收所述可穿戴设备发送的交易光信号。
步骤203、所述支付服务器分析所述交易光信号的类型，根据分析结果执行对应的操作。
可选地，所述交易光信号的类型包括支付光簇和结束交易会话光簇；可选地，在所述支付服务器分析所述交易光信号的类型为支付光簇时，所述支付服务器将所述支付光簇转换成支付密钥，完成支付；可选地，在所述支付服务器分析所述交易光信号的类型为结束交易会话光信号时，所述支付服务 器结束本次支付交易。
对于支付光簇，支付服务器的光感应器可将红外光脉冲信号转换成电信号,再进行解调处理后还原成二进制电信号，再由支付服务器的操作系统将此二进制信号转换为数据保存至存储区，即保存为一个特征信息协议块的数据，在接收完数据后，可按协议的序列号排序数据，并使用校验码来验证接收数据是否完成，如果完整，则可提取出每一协议信息块的表示生物特征的数据，如指纹特征数据，将该数据转化为支付密钥；对于结束交易会话光信号，则可设为发送编码为空的特征协议信息块，即相应的数据区无内容。
所述支付服务器将支付光簇转换成支付密钥后，可接入支付认证及交易授权系统，该系统可确认授权及有效身份特征并进行支付，从而完成支付，打印相关票据。
本实施例的技术方案，可以提高支付的安全性。
本发明实施例还提供了一种计算机可读存储介质，存储有计算机可执行指令，所述计算机可执行指令被执行时实现上述支付方法。
图4为本发明实施例提供的可穿戴设备的结构示意图。如图4所示，本实施例提供的可穿戴设备10包括：第一接收模块11、验证模块12以及第一发送模块13。
其中，第一接收模块11设置为：接收支付服务器发送的光信号；
验证模块12设置为：在所述第一接收模块接收到所述支付服务器发送的光信号后，读取用户输入的生物身份特征；
第一发送模块13设置为：根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。
可选地，所述第一接收模块11是设置为：通过光感应器接收支付服务器发送的光信号，并将所述光信号转化为账单数据进行显示。
可选地，所述验证模块12还设置为：对所述生物身份特征进行有效性验证；
所述第一发送模块13是设置为：在所述生物身份特征的有效性验证通过后，根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身 份特征对应的支付光簇发送给所述支付服务器。
可选地，所述验证模块12是设置为：识别所述生物身份特征的特征信息，分析所述特征信息是否可识别；当所述特征信息不可识别时，所述生物身份特征的有效性验证失败；当所述特征信息可识别时，所述生物身份特征的有效性验证通过。
可选地，所述生物身份特征与红外光簇映射表是所述可穿戴设备对所述生物身份特征的有效性验证通过后，基于根据所述生物身份特征的特征信息生成的光束编码信息所形成的；其中，所述光束编码信息中包括光束的数量和光束的波长或频率。
可选地，所述第一发送模块13还设置为：向所述支付服务器发送客户端标识；所述客户端标识用于所述可穿戴设备与所述支付服务器建立会话；
所述第一接收模块11还设置为：接收所述支付服务器发送的建立会话标识。
可选地，所述第一发送模块13还设置为：向所述支付服务器发送结束交易会话光簇。
本实施例提供的可穿戴设备，可设置为执行上述图1所示方法实施例的技术方案，其实现原理和技术效果类似，此处不再赘述。
在实际应用中，该第一接收模块11、验证模块12以及第一发送模块13可由位于可穿戴设备上的中央处理器(CPU)、微处理器(MPU)、数字信号处理器(DSP)或现场可编程门阵列(FPGA)等器件实现。
图5为本发明实施例提供的支付服务器的结构示意图。如图5所示，本实施例提供的支付服务器20包括：第二发送模块21、第二接收模块22和分析模块23。
其中，第二发送模块21设置为：将账单数据编码成光信号，并发送给可穿戴设备；
第二接收模块22设置为：接收所述可穿戴设备发送的交易光信号；
分析模块23设置为：分析所述信号接收模块接收到的所述交易光信号的类型，根据分析结果执行对应的操作。
可选地，所述交易光信号的类型包括支付光簇和结束交易会话光簇；
所述分析模块23是设置为：在分析所述交易光信号的类型为支付光簇时，将所述支付光簇转换成支付密钥，完成支付；在分析所述交易光信号的类型为结束交易会话光信号时，结束本次支付交易。
可选地，所述第二接收模块22还设置为：接收所述可穿戴设备发送的客户端标识；所述客户端标识用于所述可穿戴设备与所述支付服务器建立会话；
所述第二发送模块21还设置为：向所述可穿戴设备发送建立会话标识。
可选地，所述支付服务器20还包括：
扫描模块，设置为：扫描账单信息，根据所述账单信息生成账单数据。
本实施例提供的支付服务器，可设置为执行上述图3所示方法实施例的技术方案，其实现原理和技术效果类似，此处不再赘述。
在实际应用中，该第二发送模块21、第二接收模块22和分析模块23可由位于支付服务器上的中央处理器(CPU)、微处理器(MPU)、数字信号处理器(DSP)或现场可编程门阵列(FPGA)等器件实现。
图6为本发明实施例提供的支付系统的结构示意图。如图6所示，本实施例提供的支付系统包括：
如上述图4所述的可穿戴设备10以及如上述图5所述的支付服务器20。
本实施例提供的支付系统，可设置为执行上述实施例的技术方案，其实现原理和技术效果类似，此处不再赘述。
本领域普通技术人员可以理解上述实施例的全部或部分步骤可以使用计算机程序流程来实现，所述计算机程序可以存储于一计算机可读存储介质中，所述计算机程序在相应的硬件平台上(如系统、设备、装置、器件、处理器等)执行，在执行时，包括方法实施例的步骤之一或其组合。
可选地，上述实施例的全部或部分步骤也可以使用集成电路来实现，这些步骤可以被分别制作成一个个集成电路模块，或者将它们中的多个模块或步骤制作成单个集成电路模块来实现。
上述实施例中的装置/功能模块/功能单元可以采用通用的计算装置来实 现，它们可以集中在单个的计算装置上，也可以分布在多个计算装置所组成的网络上。
上述实施例中的装置/功能模块/功能单元以软件功能模块的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中。上述提到的计算机可读取存储介质可以是只读存储器，磁盘或光盘等。
本领域的普通技术人员可以理解，可以对本申请的技术方案进行修改或者等同替换，而不脱离本申请技术方案的精神和范围。本申请的保护范围以权利要求所定义的范围为准。
工业实用性
本发明实施例提供的支付方法、设备及系统，可穿戴设备接收到支付服务器发送的光信号后，读取用户输入的生物身份特征；所述可穿戴设备根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器，以完成支付。如此，将可穿戴设备作为光支付客户端，通过预置入的生物身份特征，并将生物身份特征和支付光簇形成映射表，在支付时由相应的生物身份特征信息转化生成相应的光信号，而在光支付服务端，如POS机的光感应装置中接收并分析光信号后，生成支付密钥，通过支付认证和授权系统，实现支付交易，从而提高了支付的安全性。

Claims (23)

  1. 一种支付方法，所述方法包括：
    可穿戴设备接收到支付服务器发送的光信号后，读取用户输入的生物身份特征；
    所述可穿戴设备根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。
  2. 根据权利要求1所述的方法，其中，所述可穿戴设备接收支付服务器发送的光信号，包括：
    所述可穿戴设备通过光感应器接收支付服务器发送的光信号，并将所述光信号转化为账单数据进行显示。
  3. 根据权利要求2所述的方法，其中，
    所述读取用户输入的生物身份特征之后，所述方法还包括：
    所述可穿戴设备对所述生物身份特征进行有效性验证；
    所述可穿戴设备根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器，包括：
    所述可穿戴设备在所述生物身份特征的有效性验证通过后，根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。
  4. 根据权利要求3所述的方法，其中，所述可穿戴设备对所述生物身份特征进行有效性验证，包括：
    所述可穿戴设备识别所述生物身份特征的特征信息，分析所述特征信息是否可识别；
    当所述特征信息不可识别时，所述生物身份特征的有效性验证失败；
    当所述特征信息可识别时，所述生物身份特征的有效性验证通过。
  5. 根据权利要求4所述的方法，其中，所述生物身份特征与红外光簇映射表是所述可穿戴设备对所述生物身份特征的有效性验证通过后，基于根据所述生物身份特征的特征信息生成的光束编码信息所形成的；其中，所述光 束编码信息中包括光束的数量和光束的波长或频率。
  6. 根据权利要求1所述的方法，所述可穿戴设备通过光感应器接收支付服务器发送的光信号之前，所述方法还包括：
    所述可穿戴设备向所述支付服务器发送客户端标识；所述客户端标识用于所述可穿戴设备与所述支付服务器建立会话；
    所述可穿戴设备接收所述支付服务器发送的建立会话标识。
  7. 根据权利要求6所述的方法，所述可穿戴设备将所述光信号转化为账单数据进行显示之后，所述方法还包括：
    所述可穿戴设备向所述支付服务器发送结束交易会话光簇。
  8. 一种支付方法，所述方法包括：
    支付服务器将账单数据编码成光信号，并发送给可穿戴设备；
    所述支付服务器接收所述可穿戴设备发送的交易光信号；
    所述支付服务器分析所述交易光信号的类型，根据分析结果执行对应的操作。
  9. 根据权利要求8所述的方法，其中，所述交易光信号的类型包括支付光簇和结束交易会话光簇；
    所述支付服务器分析所述交易光信号的类型，根据分析结果执行对应的操作，包括：
    在所述支付服务器分析所述交易光信号的类型为支付光簇时，所述支付服务器将所述支付光簇转换成支付密钥，完成支付；
    在所述支付服务器分析所述交易光信号的类型为结束交易会话光信号时，所述支付服务器结束本次支付交易。
  10. 根据权利要求8所述的方法，所述支付服务器将账单数据编码成光信号并发送给可穿戴设备之前，所述方法还包括：
    所述支付服务器接收所述可穿戴设备发送的客户端标识；所述客户端标识用于所述可穿戴设备与所述支付服务器建立会话；
    所述支付服务器向所述可穿戴设备发送建立会话标识。
  11. 根据权利要求8-10任一项所述的方法，所述方法还包括：
    所述支付服务器扫描账单信息，根据所述账单信息生成账单数据。
  12. 一种可穿戴设备，所述可穿戴设备包括：
    第一接收模块，设置为：接收支付服务器发送的光信号；
    验证模块，设置为：在所述第一接收模块接收到所述支付服务器发送的光信号后，读取用户输入的生物身份特征；
    第一发送模块，设置为：根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。
  13. 根据权利要求12所述的可穿戴设备，其中，所述第一接收模块是设置为：
    通过光感应器接收支付服务器发送的光信号，并将所述光信号转化为账单数据进行显示。
  14. 根据权利要求13所述的可穿戴设备，其中，
    所述验证模块还设置为：对所述生物身份特征进行有效性验证；
    所述第一发送模块是设置为：在所述生物身份特征的有效性验证通过后，根据生物身份特征与红外光簇映射表，触发光束发射器将与所述生物身份特征对应的支付光簇发送给所述支付服务器。
  15. 根据权利要求14所述的可穿戴设备，其中，所述验证模块是设置为：
    识别所述生物身份特征的特征信息，分析所述特征信息是否可识别；当所述特征信息不可识别时，所述生物身份特征的有效性验证失败；当所述特征信息可识别时，所述生物身份特征的有效性验证通过。
  16. 根据权利要求15所述的可穿戴设备，其中，所述生物身份特征与红外光簇映射表是所述可穿戴设备对所述生物身份特征的有效性验证通过后，基于根据所述生物身份特征的特征信息生成的光束编码信息所形成的；其中，所述光束编码信息中包括光束的数量和光束的波长或频率。
  17. 根据权利要求12所述的可穿戴设备，所述第一发送模块还设置为：
    向所述支付服务器发送客户端标识；所述客户端标识用于所述可穿戴设 备与所述支付服务器建立会话；
    所述第一接收模块还设置为：接收所述支付服务器发送的建立会话标识。
  18. 根据权利要求17所述的可穿戴设备，所述第一发送模块还设置为：向所述支付服务器发送结束交易会话光簇。
  19. 一种支付服务器，所述支付服务器包括：
    第二发送模块，设置为：将账单数据编码成光信号，并发送给可穿戴设备；
    第二接收模块，设置为：接收所述可穿戴设备发送的交易光信号；
    分析模块，设置为：分析所述第二接收模块接收到的所述交易光信号的类型，根据分析结果执行对应的操作。
  20. 根据权利要求19所述的支付服务器，其中，所述交易光信号的类型包括支付光簇和结束交易会话光簇；
    所述分析模块是设置为：
    在分析所述交易光信号的类型为支付光簇时，将所述支付光簇转换成支付密钥，完成支付；
    在分析所述交易光信号的类型为结束交易会话光信号时，结束本次支付交易。
  21. 根据权利要求19所述的支付服务器，所述第二接收模块还设置为：接收所述可穿戴设备发送的客户端标识；所述客户端标识用于所述可穿戴设备与所述支付服务器建立会话；
    所述第二发送模块还设置为：向所述可穿戴设备发送建立会话标识。
  22. 根据权利要求19-13任一项所述的支付服务器，所述支付服务器还包括：
    扫描模块，设置为：扫描账单信息，根据所述账单信息生成账单数据。
  23. 一种支付系统，所述系统包括：
    如权利要求12至18中任一项所述的可穿戴设备，以及如权利要求19至22中任一项所述的支付服务器。
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CN103116846A (zh) * 2012-12-27 2013-05-22 重庆濯晖科技有限公司 基于可见光通信的移动支付
CN103996116A (zh) * 2014-04-21 2014-08-20 北京邮电大学 一种基于可见光通信技术的移动支付系统及方法
CN104850995A (zh) * 2015-04-27 2015-08-19 小米科技有限责任公司 操作执行方法及装置

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CN104166913B (zh) * 2014-04-30 2016-04-27 深圳光启智能光子技术有限公司 光子支付方法及系统
CN103955824A (zh) * 2014-05-14 2014-07-30 金陵科技学院 一种高安全性穿戴式收付款方法
CN204044534U (zh) * 2014-08-27 2014-12-24 深圳光启创新技术有限公司 可支付手表
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CN103996116A (zh) * 2014-04-21 2014-08-20 北京邮电大学 一种基于可见光通信技术的移动支付系统及方法
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