WO2018000755A1

WO2018000755A1 - Mobile payment method and intelligent terminal

Info

Publication number: WO2018000755A1
Application number: PCT/CN2016/110099
Authority: WO
Inventors: 金鑫
Original assignee: 捷开通讯(深圳)有限公司
Priority date: 2016-06-30
Filing date: 2016-12-15
Publication date: 2018-01-04
Also published as: CN106204020A

Abstract

A mobile payment method and an intelligent terminal, the mobile payment method comprising: an intelligent terminal receiving an optical pulse signal emitted by a visible light wireless communication LiFi signal source, wherein said optical pulse signal comprises merchant payment information (101); parsing the optical pulse signal so as to obtain the merchant payment information (102); receiving a payment operation instruction of a user, and paying according to the merchant payment information (103). By means of said means, convenient and quick mobile payment may be carried out without external interference.

Description

Mobile payment method and intelligent terminal

【技术领域】[Technical Field]

The present invention relates to the field of mobile terminal technologies, and in particular, to a mobile payment method and an intelligent terminal.

【背景技术】【Background technique】

With the rapid development of communication technology and the popularity of intelligent electronic products, payment methods have become more and more abundant. Mobile payment has been accepted by more and more businesses and consumers because of its convenience and speed.

The existing mobile payment is mainly that the merchant provides a two-dimensional code, wherein the two-dimensional code includes unique identification information of the merchant. The user can obtain the business information by scanning the QR code of the merchant, and then paying the merchant according to the amount of the merchandise. In the payment operation, the smart terminal is required to turn on the camera, and the content of the two-dimensional code can be correctly scanned after the two-dimensional code is focused by the camera. In the whole scanning process, the intelligent terminal has an influence on the light of the external environment and the stability of the smart terminal being held, and the scanning process is susceptible to interference, so the payment may take a long time.

【发明内容】 [Summary of the Invention]

The technical problem to be solved by the present invention is to provide a mobile payment method and an intelligent terminal, which can realize mobile payment conveniently and quickly without being interfered by external interference.

In order to solve the above technical problem, the present invention adopts a technical solution to provide an intelligent terminal, including a processor and a memory, wherein the processor is configured to: receive, by the photosensitive sensor, the LiFi signal source, and control the light emission by using an electrical signal. An optical pulse signal emitted by the diode; wherein the optical pulse signal includes merchant payment information; parsing the optical pulse signal to obtain the merchant payment information; receiving a payment operation instruction of the user, and performing payment according to the merchant payment information .

The processor is specifically configured to generate a LiFi optical pulse signal by using a payment operation instruction of the user, and send the LiFi optical pulse signal to a merchant LiFi receiving terminal that matches the merchant payment information, so that the merchant LiFi The receiving terminal obtains a payment amount according to the LiFi optical pulse signal.

The optical pulse signal is a signal periodically emitted by the LiFi signal source.

Wherein the merchant payment information is loaded in the frequency of the optical pulse signal.

In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a mobile payment method, including: an intelligent terminal receiving an optical pulse signal emitted by a visible light wireless communication LiFi signal source; wherein the optical pulse signal includes a merchant payment Information; parsing the optical pulse signal to obtain the merchant payment information; receiving a payment operation instruction of the user, and performing payment according to the merchant payment information.

The step of the smart terminal receiving the optical pulse signal sent by the LiFi signal source specifically includes: the smart terminal receiving the optical pulse signal sent by the LiFi signal source through the photosensitive sensor.

The step of the smart terminal receiving the optical pulse signal sent by the LiFi signal source specifically includes: the smart terminal receiving the LiFi signal source and controlling the optical pulse signal emitted by the LED by using an electrical signal.

The step of receiving the user's payment operation instruction and performing payment according to the merchant payment information specifically includes: generating a LiFi optical pulse signal by the user's payment operation instruction, and paying the merchant the information matching merchant LiFi The receiving terminal transmits the LiFi optical pulse signal to enable the merchant LiFi receiving terminal to obtain a payment amount according to the LiFi optical pulse signal.

In order to solve the above technical problem, another technical solution adopted by the present invention is to provide an intelligent terminal, where the smart terminal includes: a receiving module, a parsing module, and a payment module, and the receiving module is configured to receive the light emitted by the LiFi signal source. a pulse signal; wherein the optical pulse signal includes merchant payment information; the parsing module is configured to parse the optical pulse signal to obtain the merchant payment information; and the payment module is configured to receive a payment operation instruction of the user, and Payment is made based on the merchant payment information.

The receiving module is specifically configured to receive an optical pulse signal emitted by the LiFi signal source through a photosensor.

The receiving module is specifically configured to receive, by the LiFi signal source, an optical pulse signal emitted by the LED by using an electrical signal.

The payment module is specifically configured to generate a LiFi optical pulse signal by using the payment operation instruction of the user, and send the LiFi optical pulse signal to a merchant LiFi receiving terminal that matches the merchant payment information, so that the merchant LiFi The receiving terminal obtains a payment amount according to the LiFi optical pulse signal.

The beneficial effects of the present invention are: different from the prior art, after receiving the optical pulse signal sent by the LiFi signal source, the intelligent terminal of the embodiment parses the optical pulse signal to obtain the merchant payment information, and receives the After the user's payment operation instruction, the payment is made according to the merchant payment information. The above method for mobile payment based on LiFi, the smart terminal does not need to scan the code, and only needs to receive the optical pulse signal to obtain the payment information of the merchant, which not only makes the operation simpler, but also reduces the interference of external signals, so that the whole payment process is safer and more convenient. Convenient for both merchants and users.

【附图说明】 [Description of the Drawings]

1 is a schematic flow chart of an embodiment of a mobile payment method according to the present invention;

2 is a schematic structural diagram of an embodiment of a smart terminal according to the present invention;

3 is a schematic structural diagram of another embodiment of a smart terminal according to the present invention.

【具体实施方式】【detailed description】

Referring to FIG. 1, FIG. 1 is a schematic flowchart of an embodiment of a mobile payment method according to the present invention. As shown in FIG. 1, the mobile payment method of this embodiment includes the following steps:

101: The smart terminal receives an optical pulse signal sent by a visible light wireless communication LiFi signal source; wherein the optical pulse signal includes merchant payment information.

Visible light wireless communication LiFi has become a "light fidelity technology", a new wireless technology that uses visible light spectrum for data transmission. Specifically, LiFi uses an electrical signal to control a light-emitting pulse signal emitted by a light-emitting diode (LED) that is invisible to the naked eye to transmit a signal. For example, LED on indicates 1 and OFF indicates 0, and information can be transmitted through a fast switch. The eye cannot detect the high-speed flicker of the LED, and only the photosensitive receiving device can receive and recognize. The transmission rate of LiFi transmission has exceeded GBit/s (gigabits per second), and it is not affected by electromagnetic waves, shaking, etc., and is suitable for high-speed data transmission in a small space and a small range.

In this embodiment, when the user pays the merchant by means of the smart terminal mobile payment with the LiFi receiving function, the merchant first deploys the LiFi signal source at the payment point, and the LiFi signal source first encodes the merchant payment information into the optical pulse signal. The merchant payment information includes the account information of the merchant and the amount information of the payment. The LiFi signal source then periodically transmits the optical pulse signal containing the merchant payment information. It can also be understood that the merchant payment information is loaded in the frequency of the optical pulse signal.

In a specific embodiment, the LiFi signal source uses an electrical signal to control the LED to periodically emit an optical pulse signal.

When the corresponding smart terminal is within the communication range of the LiFi signal source, the light pulse signal emitted by the LiFi signal source is received by the light sensor.

The smart terminal includes at least one of a mobile smart device such as a smart phone and a tablet computer.

102: Parse the optical pulse signal to obtain the merchant payment information.

After receiving the optical pulse signal containing the merchant payment information, the smart terminal decodes the optical pulse signal to obtain the merchant account number and the amount of the payment.

The amount of the payment of the present embodiment includes, but is not limited to, funds. In other embodiments, other media that can be used for payment, such as a payment currency approved by both parties, are not limited herein.

103: Receive a payment operation instruction of the user, and perform payment according to the merchant payment information.

After parsing out the payment information, the smart terminal first displays the payment information through its display screen, so that the smart terminal user can confirm whether the received merchant payment information matches the actual situation, and the user determines the received merchant payment. When the information matches the actual situation, the user's payment operation instruction is received. The smart terminal sends the amount corresponding to the current consumption to the corresponding merchant account according to the payment operation instruction.

In an optional implementation manner, the smart terminal not only has a LiFi receiving function but also has a LiFi sending function. Specifically, the smart terminal generates a LiFi optical pulse signal by using the received payment operation instruction, and transmits the LiFi optical pulse signal to a merchant LiFi receiving terminal that matches the merchant payment information.

Correspondingly, the merchant has a LiFi receiving terminal, and the LiFi receiving terminal receives the LiFi optical pulse signal sent by the smart terminal, and obtains a payment amount according to the LiFi optical pulse signal. In other embodiments, the merchant can also integrate the LiFi receiving terminal and the LiFi signal source on one device, which is cost-effective and convenient to operate.

Different from the prior art, after receiving the optical pulse signal sent by the LiFi signal source, the intelligent terminal of the present embodiment parses the optical pulse signal to obtain the merchant payment information, and after receiving the payment operation instruction of the user, according to The merchant pays for information to make a payment. The above method for mobile payment based on LiFi, the smart terminal does not need to scan the code, and only needs to receive the optical pulse signal to obtain the payment information of the merchant, which not only makes the operation simpler, but also reduces the interference of external signals, so that the whole payment process is safer and more convenient. Convenient for both merchants and users.

Referring to FIG. 2, FIG. 2 is a schematic structural diagram of an embodiment of a smart terminal according to the present invention. The smart terminal of the present embodiment is at least one of a mobile smart device such as a smart phone or a tablet computer. The receiving module 201, the parsing module 202, and the payment module 203 are included.

The receiving module 201 is configured to receive an optical pulse signal sent by a LiFi signal source, where the optical pulse signal includes merchant payment information.

When the corresponding smart terminal is within the communication range of the LiFi signal source, the receiving module 201 receives the optical pulse signal emitted by the LiFi signal source through its photosensitive sensor.

The parsing module 202 is configured to parse the optical pulse signal to obtain the merchant payment information.

After receiving the optical pulse signal including the merchant payment information, the parsing module 202 decodes the optical pulse signal to obtain the merchant account number and the amount of the current payment.

The payment module 203 is configured to receive a payment operation instruction of the user, and perform payment according to the merchant payment information.

After the parsing module 202 parses the current payment information, the payment module 203 first displays the current payment information through the display screen of the smart terminal, so that the smart terminal user confirms whether the received merchant payment information matches the actual situation, and is in the user. When it is determined whether the received merchant payment information matches the actual situation, the user's payment operation instruction is received. The payment module 203 further sends the amount corresponding to the current consumption to the corresponding merchant account according to the payment operation instruction.

In an optional implementation manner, the smart terminal not only has a LiFi receiving function but also has a LiFi sending function. Specifically, the payment module 203 generates a LiFi optical pulse signal by using the received payment operation instruction, and transmits the LiFi optical pulse signal to a merchant LiFi receiving terminal that matches the merchant payment information.

Different from the prior art, after the receiving module of the smart terminal of the embodiment receives the optical pulse signal sent by the LiFi signal source, the parsing module parses the optical pulse signal to obtain the merchant payment information, and the payment module receives the user's After the payment operation instruction, the payment is made according to the merchant payment information. The above method for mobile payment based on LiFi, the smart terminal does not need to scan the code, and only needs to receive the optical pulse signal to obtain the payment information of the merchant, which not only makes the operation simpler, but also reduces the interference of external signals, so that the whole payment process is safer and more convenient. Convenient for both merchants and users.

Referring to FIG. 3, FIG. 3 is a schematic structural diagram of another embodiment of a smart terminal according to the present invention. The smart terminal of the present embodiment includes a smart phone, a tablet computer, and other portable smart devices such as a smart watch. The processor 301 and the memory 302 are coupled together. The processor 301 and the memory 302 are coupled together via a bus 303. The bus 303 may include a power bus, a control bus, a status signal bus, and the like in addition to the data bus. However, for clarity of description, various buses are labeled as bus 303 in the figure.

The processor 301 is configured to receive an optical pulse signal sent by a LiFi signal source, where the optical pulse signal includes merchant payment information.

When the corresponding smart terminal is within the communication range of the LiFi signal source, the processor 301 receives the optical pulse signal emitted by the LiFi signal source through its photosensitive sensor.

The processor 301 is further configured to parse the module for parsing the optical pulse signal to obtain the merchant payment information.

After receiving the optical pulse signal including the merchant payment information, the processor 301 decodes the optical pulse signal to obtain the merchant account number and the amount of the current payment.

The processor 301 is further configured to receive a payment operation instruction of the user, and perform payment according to the merchant payment information.

After parsing the current payment information, the processor 301 first displays the current payment information through the display screen of the smart terminal, so that the smart terminal user confirms whether the received merchant payment information matches the actual situation, and the user determines to receive the payment information. When the merchant payment information matches the actual situation, the user's payment operation instruction is received. The processor 301 further sends the amount corresponding to the current consumption to the corresponding merchant account according to the payment operation instruction.

In an optional implementation manner, the smart terminal not only has a LiFi receiving function but also has a LiFi sending function. Specifically, the processor 301 generates a LiFi optical pulse signal by using the received payment operation instruction, and transmits the LiFi optical pulse signal to a merchant LiFi receiving terminal that matches the merchant payment information.

The memory 302 is configured to store a program running in the processor and data generated during the running of the program. Read-only memory and random access memory may be included and instructions and data may be provided to processor 301. A portion of the memory 302 may also include non-volatile random access memory (NVRAM).

The memory 302 stores the following elements, executable units or data structures, or a subset thereof, or an extended set thereof:

Operation instructions: include various operation instructions for implementing various operations.

Operating system: Includes a variety of system programs for implementing various basic services and handling hardware-based tasks.

In the embodiment of the present invention, the processor 301 performs the above operation by calling an operation instruction stored in the memory 302, which can be stored in the operating system.

The processor 301 can also be called a CPU (Central Processing) Unit, central processing unit). Memory 302 can include read only memory and random access memory and provides instructions and data to processor 301. A portion of the memory 302 may also include non-volatile random access memory (NVRAM).

The method disclosed in the foregoing embodiments of the present invention may be applied to the processor 301 or implemented by the processor 301. Processor 301 may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the foregoing method may be completed by an integrated logic circuit of hardware in the processor 301 or an instruction in a form of software. The processor 301 described above may be a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), an off-the-shelf programmable gate array (FPGA) or other programmable logic device, a discrete gate or transistor logic device, or discrete hardware. Component. The methods, steps, and logical block diagrams disclosed in the embodiments of the present invention may be implemented or carried out. The general purpose processor may be a microprocessor or the processor or any conventional processor or the like. The steps of the method disclosed in the embodiments of the present invention may be directly implemented by the hardware decoding processor, or may be performed by a combination of hardware and software units in the decoding processor. The software unit can be located in a conventional storage medium such as random access memory, flash memory, read only memory, programmable read only memory or electrically erasable programmable memory, registers, and the like. The storage medium is located in the memory 302, and the processor 301 reads the information in the memory 302 and completes the steps of the above method in combination with its hardware.

Different from the prior art, after receiving the optical pulse signal sent by the LiFi signal source, the processor of the intelligent terminal of the present embodiment parses the optical pulse signal to obtain the merchant payment information, and receives the payment operation instruction of the user. Thereafter, payment is made according to the merchant payment information. The above method for mobile payment based on LiFi, the smart terminal does not need to scan the code, and only needs to receive the optical pulse signal to obtain the payment information of the merchant, which not only makes the operation simpler, but also reduces the interference of external signals, so that the whole payment process is safer and more convenient. Convenient for both merchants and users.

The above is only the embodiment of the present invention, and is not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformations made by the description of the invention and the drawings are directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of the present invention.

Claims

An intelligent terminal includes a processor and a memory, wherein

The processor is configured to execute:

Receiving, by the photosensitive sensor, the LiFi signal source to control an optical pulse signal emitted by the LED by using an electrical signal; wherein the optical pulse signal includes merchant payment information;

Parsing the optical pulse signal to obtain the merchant payment information;

Receiving a payment operation instruction of the user, and performing payment according to the merchant payment information.
The smart terminal according to claim 1, wherein the processor is specifically configured to generate a LiFi optical pulse signal by the payment operation instruction of the user, and send the LiFi to a merchant LiFi receiving terminal that matches the merchant payment information. The optical pulse signal is such that the merchant LiFi receiving terminal obtains a payment amount according to the LiFi optical pulse signal.
The intelligent terminal of claim 1, wherein the optical pulse signal is a signal periodically emitted by the LiFi signal source.
The intelligent terminal of claim 1, wherein the merchant payment information is loaded in a frequency of the optical pulse signal.
A mobile payment method, which includes:

The smart terminal receives the optical pulse signal emitted by the visible light wireless communication LiFi signal source; wherein the optical pulse signal includes merchant payment information;

Parsing the optical pulse signal to obtain the merchant payment information;

Receiving a payment operation instruction of the user, and performing payment according to the merchant payment information.
The mobile payment method according to claim 5, wherein the step of the smart terminal receiving the optical pulse signal emitted by the LiFi signal source comprises:

The smart terminal receives an optical pulse signal emitted by the LiFi signal source through a photosensor.
The mobile payment method according to claim 5, wherein the step of the smart terminal receiving the optical pulse signal emitted by the LiFi signal source comprises:

The smart terminal receives the LiFi signal source to control an optical pulse signal emitted by the LED by using an electrical signal.
The mobile payment method according to claim 5, wherein the step of receiving a payment operation instruction of the user and performing payment according to the merchant payment information comprises:

Generating a LiFi optical pulse signal by the user's payment operation instruction, and transmitting the LiFi optical pulse signal to a merchant LiFi receiving terminal that matches the merchant payment information, so that the merchant LiFi receiving terminal according to the LiFi optical pulse signal Get the payment amount.
The mobile payment method according to claim 5, wherein said optical pulse signal is a signal periodically issued by said LiFi signal source.
The mobile payment method according to claim 5, wherein said merchant payment information is loaded in a frequency of said optical pulse signal.
An intelligent terminal, where the smart terminal includes: a receiving module, a parsing module, and a payment module,

The receiving module is configured to receive an optical pulse signal sent by a LiFi signal source, where the optical pulse signal includes merchant payment information;

The parsing module is configured to parse the optical pulse signal to obtain the merchant payment information;

The payment module is configured to receive a payment operation instruction of the user, and perform payment according to the merchant payment information.
The smart terminal according to claim 11, wherein the receiving module is specifically configured to receive an optical pulse signal emitted by the LiFi signal source through a photosensor.
The intelligent terminal according to claim 11, wherein the receiving module is specifically configured to receive the light pulse signal emitted by the light emitting diode by the LiFi signal source by using an electrical signal.
The smart terminal according to claim 11, wherein the payment module is specifically configured to generate a LiFi optical pulse signal by the payment operation instruction of the user, and send the LiFi to a merchant LiFi receiving terminal that matches the merchant payment information. The optical pulse signal is such that the merchant LiFi receiving terminal obtains a payment amount according to the LiFi optical pulse signal.
The intelligent terminal of claim 11, wherein the optical pulse signal is a signal periodically emitted by the LiFi signal source.
The intelligent terminal of claim 11, wherein the merchant payment information is loaded in a frequency of the optical pulse signal.