Summary of the invention
The purpose of the embodiment of the invention is to propose a kind of method, system and terminal device of mobile payment, is intended to solve in the prior art and pays through internet or mobile Internet, and transaction data suffers to tackle, steal, distort easily, and security is low; Pay through WIFI, bluetooth and infrared ray, efficient is low, pays through radio-frequency technique, on existing portable terminal, needs to increase hardware, and cost is high, the technical matters that is difficult to promote.
The embodiment of the invention is achieved in that a kind of method of mobile payment, may further comprise the steps:
Judge between the payer distance whether in first distance range and the frequency of sound wave whether in the first frequency scope; If the distance between the payer is in first distance range and the frequency of sound wave is in the first frequency scope, then the mode with sound wave connects;
Obtain transaction data, and carry out the exchange of said transaction data with the form of sound wave;
Resolve transaction data, carry out the server data exchange.
Another purpose of the embodiment of the invention is to propose a kind of system of mobile payment, and said system comprises link block, data exchange module and data resolution module;
Said link block; Link to each other with data exchange module; Be used to judge between the payer distance whether in first distance range and the frequency of sound wave whether in the first frequency scope; If the distance between the payer is in first distance range and the frequency of sound wave is in the first frequency scope, then the mode with sound wave connects;
Said data exchange module links to each other with data resolution module with said link block, is used to obtain transaction data, and carries out the exchange of said transaction data with the form of sound wave;
Said data resolution module links to each other with said data exchange module, is used to resolve transaction data, carries out the server data exchange.
Another purpose of the embodiment of the invention is to propose a kind of terminal device that includes said mobile-payment system.
Beneficial effect of the present invention:
The present invention submits the security of transaction to through payer distance and frequency of sound wave are limited, and reduces the possibility that transaction data is tackled, steals, distorted; Trading efficiency is high, through the form transmission transaction data of sound wave, especially; Carry out sonic transmissions through loudspeaker on the terminal device and microphone, need not improve or increase hardware device, extendability is strong; Be prone to transplant, and compatible low-end mobile phone, cost is low.
Embodiment
In order to make the object of the invention, technical scheme and advantage clearer, below in conjunction with accompanying drawing and embodiment, the present invention is further elaborated, for the ease of explanation, only show the part relevant with the embodiment of the invention.Should be appreciated that the specific embodiment that this place is described, only be used to explain the present invention, not in order to restriction the present invention.
The present invention submits the security of transaction to through payer distance and frequency of sound wave are limited, and reduces the possibility that transaction data is tackled, steals, distorted; Trading efficiency is high, through the form transmission transaction data of sound wave, especially; Carry out sonic transmissions through loudspeaker on the mobile phone and microphone, need not improve or increase hardware device, extendability is strong; Be prone to transplant, and compatible low-end mobile phone, cost is low.
Embodiment one
The method flow diagram of a kind of mobile payment of Fig. 1 embodiment of the invention.Described method may further comprise the steps:
S101; Judge between the payer distance whether in first distance range and the frequency of sound wave whether in the first frequency scope; If the distance between the payer is in first distance range and the frequency of sound wave is in the first frequency scope, then the mode with sound wave connects;
First distance range described in this step can be 10~15 centimetres; The first frequency scope can be 1~10KHz (intensity of sound is in 0.5~1.0 decibel); Distance between the equipment of payer will remain within 10~15 centimetres the scope so; And the frequency limitation of sound wave guarantees the safety and the coverage transmission of sound wave in 1~10KHz scope, prevents that data from being tackled; The hardware capabilities of suitable device, sonic transmissions scope and battery ability also adapt to the restriction of the distance between the payer;
Said payer comprises the both sides that pay or in many ways, and the loudspeaker through payer are with microphone connects and carry out sonic transmissions, and frequency of sound wave is arranged in the scope of 1~10KHz concluding the business before;
Especially, the first frequency scope is 1~5KHz preferably, is in the loudspeaker and all accessible frequency range of microphone of ordinary terminal equipment, can also provide abundant bandwidth in order to the transmission coded signal, and it is uncomfortable to be unlikely the too high people's of the causing ear of frequency in addition;
When said mode with sound wave connects, identification information of each self-generating of payer, and send to the other side through the mode of sound wave; The other side receives said identification information with the form of sound wave again; That is, when said mode with sound wave connects, pay a side and/or identification information of payment each self-generating of the opposing party, and send to payment the opposing party and/or pay a side through the mode of sound wave; Pay the opposing party and/or pay a side and receive said identification information with the form of sound wave again;
Said identification information is unique numeric string or character string, can only be in once concluding the business effectively, and transaction need regenerate once more;
Said identification information only kept 5 minutes; Surpass 5 minutes, said identification information will cease to be in force automatically and delete, when needing transaction; Need payer to connect with the mode of sound wave once more and regenerate an identification information separately, and send to the other side through the mode of sound wave;
After payer connects with the mode of sound wave, the payment both sides or the server data that connects with server respectively, and obtain in many ways;
Said server data is the data relevant with payer of server end storage;
Payer can be to be connected through internet or mobile internet with the connected mode of server;
S102 obtains transaction data, and carries out the exchange of said transaction data with the form of sound wave, is specially:
S1021 converts the transaction data of digital signal to the transaction data of simulating signal;
S1022 sends the transaction data of said simulating signal with the form of sound wave;
S1023 receives the transaction data of said simulating signal with the form of sound wave;
S1024 converts the transaction data of said simulating signal to the transaction data of digital signal;
The said transaction data that obtains comprises that the data of server data, payment one side generation of obtaining payment one side through internet or mobile internet are or/and payment the opposing party's that the form through sound wave gets access to data;
S103 resolves said transaction data, and carries out the exchange of server data;
The exchange of said server data is meant through internet or mobile internet and obtains payment one side's server data and send to the server of paying the opposing party.
The further optimization of such scheme is that said step " converts the transaction data of digital signal to the transaction data of simulating signal " and also comprises before: the transaction data of encrypting said digital signal;
Said encryption can adopt MD5 (Message Digest Algorithm 5, Message Digest Algorithm 5) to encrypt, and security is higher;
Said encryption comprises that said the other side who gets access to is this time set up the identification information that generates when sound wave connects to encrypt;
Said step " converts the transaction data of said simulating signal to the transaction data of digital signal " and also comprises step afterwards:
Decipher the transaction data of said digital signal;
Said deciphering comprises and decrypts the identification information of having encrypted; And judge whether the identification information after the said deciphering is consistent with the identification information of when the mode with sound wave connects, creating certainly; If then resolve the transaction data of said digital signal, and carry out the exchange of server data.
The further optimization of such scheme is that said step " is encrypted the transaction data of said digital signal " and also comprised step afterwards:
Compress the transaction data of said digital signal;
Said step " is deciphered the transaction data of said digital signal " and is also comprised step before:
The transaction data of the said digital signal that decompresses.
Through payer distance and frequency of sound wave are controlled, transaction security reduces the possibility that transaction data is tackled, steals, distorted in the embodiment of the invention, and trading efficiency is high; Convert the transaction data of simulating signal to through transaction data, being suitable for the data-signal of sonic transmissions, convert the transaction data of said simulating signal the transaction data of digital signal to, to be suitable for the exchange of transaction data in server with digital signal; Form transmission transaction data through sound wave especially, carries out sonic transmissions through loudspeaker on the mobile phone and microphone, need not improve or increase hardware device; Extendability is strong, is prone to transplant, and compatible low-end mobile phone; Cost is low, through the control of distance and frequency, transaction security; Reduce the possibility that transaction data is tackled, steals, distorted, trading efficiency is high, through the encryption and decryption to transaction data; Further improve the security of data exchange process, further reduce the possibility that transaction data is tackled, steals, distorted, through with identification information encryption and decryption together; Further improve the security of data exchange process,, improve the efficient and the trading efficiency of data transmission through the process of compression and decompression.
Embodiment two
Fig. 2 is the structural representation of system's first preferred embodiment of a kind of mobile payment of the embodiment of the invention.
Said system comprises link block, data exchange module and data resolution module;
Said link block; Link to each other with data exchange module; Be used to judge between the payer distance whether in first distance range and the frequency of sound wave whether in the first frequency scope; If the distance between the payer is in first distance range and the frequency of sound wave is in the first frequency scope, then the mode with sound wave connects;
Described first distance range can be 10~15 centimetres; The first frequency scope can be 1~10KHz (intensity of sound is in 0.5~1.0 decibel); Distance between the equipment of payer will remain within 10~15 centimetres the scope so; And the frequency limitation of sound wave guarantees the safety and the coverage transmission of sound wave in 1~10KHz scope, prevents that data from being tackled; The hardware capabilities of suitable device, sonic transmissions scope and battery ability also adapt to the restriction of the distance between the payer;
Said payer comprises the both sides that pay or in many ways, and the loudspeaker through payer are with microphone connects and carry out sonic transmissions, and frequency of sound wave is arranged in 1~10KHz scope concluding the business before; Especially, the first frequency scope is 1~5KHz preferably, is in the loudspeaker and all accessible frequency range of microphone of ordinary terminal equipment, can also provide abundant bandwidth in order to the transmission coded signal, and it is uncomfortable to be unlikely the too high people's of the causing ear of frequency in addition;
Said data exchange module links to each other with data resolution module with said link block, is used to obtain transaction data, and carries out the exchange of said transaction data with the form of sound wave;
Said data resolution module links to each other with said data exchange module, is used to resolve transaction data, carries out the server data exchange.
The further optimization of above-mentioned first preferred embodiment is; Said data exchange module also comprises first signal conversion module, signal transmitting module, signal receiving module and secondary signal modular converter, is illustrated in figure 3 as the structural representation of system's second preferred embodiment of a kind of mobile payment of the present invention;
Said first signal conversion module links to each other with signal transmitting module with said link block, is used for the transaction data of digital signal is converted to the transaction data of simulating signal;
Said signal transmitting module links to each other with signal receiving module with said first signal conversion module, is used for the transaction data of said simulating signal is sent with the form of sound wave.
Said signal receiving module links to each other with the secondary signal modular converter with said signal transmitting module, is used for receiving with the form of sound wave the transaction data of said simulating signal;
Said secondary signal modular converter links to each other with data resolution module with said signal receiving module, is used for the transaction data of said simulating signal is converted to the transaction data of digital signal;
Said data resolution module links to each other with said secondary signal modular converter, is used to resolve the transaction data of said digital signal, carries out the server data exchange.
Said first signal conversion module is the D/A converter on the terminal device;
Said signal transmitting module is the loudspeaker on the terminal device;
Said signal receiving module is the microphone on the terminal device;
Said secondary signal modular converter is the A/D converter on the terminal device.
The further optimization of above-mentioned second preferred embodiment is that said data exchange module also comprises encrypting module and deciphering module, is illustrated in figure 4 as the structural representation of system's the 3rd preferred embodiment of a kind of mobile payment of the present invention;
Said link block links to each other with said encrypting module, when the mode with sound wave of also being used for connects, and identification information of each self-generating of payer, and send to the other side through the mode of sound wave;
Said identification information is unique numeric string or character string, can only be in once concluding the business effectively, and transaction need regenerate once more; Said identification information only kept 5 minutes; Surpass 5 minutes, said identification information will cease to be in force automatically and delete, when needing transaction; Need payer to connect with the mode of sound wave once more and regenerate an identification information separately, and send to the other side through the mode of sound wave;
Said encrypting module links to each other with first signal conversion module with said link block, is used to encrypt the transaction data of said digital signal; Also be used for the identification information that the other side who gets access to generates is encrypted;
Said deciphering module links to each other with data resolution module with said secondary signal modular converter, is used to decipher the transaction data of said digital signal; Also be used to decipher the identification information of having encrypted;
Said data resolution module; Link to each other with said deciphering module; Be used to resolve the transaction data of said digital signal, and carry out the exchange of server data, also be used to judge if the identification information after the said deciphering is consistent with the identification information that self generates; Then resolve the transaction data of said digital signal, and carry out the exchange of server data.
The further optimization of above-mentioned the 3rd preferred embodiment is that said data exchange module also comprises compression module and decompression module, is illustrated in figure 5 as the structural representation of system's the 4th preferred embodiment of a kind of mobile payment of the present invention;
Said compression module links to each other with first signal conversion module with said encrypting module, is used to compress the transaction data of said digital signal, also is used to compress the identification information of having encrypted;
Said decompression module links to each other with deciphering module with said secondary signal modular converter, and the transaction data of the said digital signal that is used to decompress also is used to the identification information that decompresses.
Through link block payer distance and frequency of sound wave are controlled in the embodiment of the invention, transaction security reduces the possibility that transaction data is tackled, steals, distorted; Trading efficiency is high, converts the transaction data of digital signal the transaction data of simulating signal to through first signal conversion module, to be suitable for the data-signal of sonic transmissions; Carry out the sonic transmissions transaction data through signal transmitting module and signal receiving module, convert the transaction data of said simulating signal the transaction data of digital signal to, to be suitable for the exchange of transaction data in server through the secondary signal modular converter; Through data resolution module, resolve transaction data, and carry out the transaction data exchange; Especially, signal transmitting module and signal receiving module are loudspeaker and the microphone on the mobile phone, need not improve or increase hardware device; Extendability is strong; Be prone to transplant, and compatible low-end mobile phone, cost is low; Through the encryption and decryption of encrypting module and deciphering module to transaction data; Further improve the security of data exchange process, further reduce the possibility that transaction data is tackled, steals, distorted, through with identification information encryption and decryption together; Further improve the security of data exchange process; Through compression module and decompression module, transaction data is carried out compression and decompression, improve the efficient and the trading efficiency of data transmission.
The system of mobile payment provided by the invention need can be applied on the terminal device of mobile payment, for example PC, PDA, mobile phone etc.