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CN107403315A - Contactless payment method and device - Google Patents

Contactless payment method and device Download PDF

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Publication number
CN107403315A
CN107403315A CN201710652533.1A CN201710652533A CN107403315A CN 107403315 A CN107403315 A CN 107403315A CN 201710652533 A CN201710652533 A CN 201710652533A CN 107403315 A CN107403315 A CN 107403315A
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CN
China
Prior art keywords
payment
electronic equipment
solicited message
matching
data
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201710652533.1A
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Chinese (zh)
Inventor
张子敬
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Yulong Computer Telecommunication Scientific Shenzhen Co Ltd filed Critical Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
Priority to CN201710652533.1A priority Critical patent/CN107403315A/en
Publication of CN107403315A publication Critical patent/CN107403315A/en
Pending legal-status Critical Current

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Classifications

    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226—Use of secure elements separate from M-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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G08—SIGNALLING
    • G08C—TRANSMISSION SYSTEMS FOR MEASURED VALUES, CONTROL OR SIMILAR SIGNALS
    • G08C23/00—Non-electrical signal transmission systems, e.g. optical systems
    • G08C23/02—Non-electrical signal transmission systems, e.g. optical systems using infrasonic, sonic or ultrasonic waves
    • G—PHYSICS
    • G08—SIGNALLING
    • G08C—TRANSMISSION SYSTEMS FOR MEASURED VALUES, CONTROL OR SIMILAR SIGNALS
    • G08C23/00—Non-electrical signal transmission systems, e.g. optical systems
    • G08C23/04—Non-electrical signal transmission systems, e.g. optical systems using light waves, e.g. infrared

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention provides a kind of contactless payment method and device.The contactless payment method, applied in electronic equipment, including：Receive the discovery solicited message of payment terminal；The discovery solicited message is matched with the payment data in the electronic equipment；The payment data of matching is sent to the payment terminal by orienting sound wave；And complete payment transaction with the payment terminal using the payment data of the matching.The present invention can effectively avoid stealing brush phenomenon, and safe class is high, and brings more preferable Consumer's Experience.

Description

Contactless payment method and device
Technical field
The present invention relates to electronic technology field, more particularly to a kind of contactless payment method and device.
Background technology
In prior art, typically using NFC (Near Field Communication, wireless near field communication skill Art) technology is by the completion payment of the handheld devices such as mobile phone, due to the direction propagation of uncontrollable signal, easily by attacker's malice Brush is stolen, safe class is low, and Consumer's Experience is bad.
The content of the invention
In view of the foregoing, it is necessary to a kind of contactless payment method and device is provided, can effectively avoid stealing brush phenomenon, peace Congruent level is high, and brings more preferable Consumer's Experience.
A kind of contactless payment method, applied in electronic equipment, methods described includes：
Receive the discovery solicited message of payment terminal；
The discovery solicited message is matched with the payment data in the electronic equipment；
The payment data of matching is sent to the payment terminal by orienting sound wave；And
Payment transaction is completed using the payment data and the payment terminal of the matching.
According to the preferred embodiment of the present invention, the electronic equipment includes safety element framework, and the safety element framework is deposited Store up the payment data.
According to the preferred embodiment of the present invention, the orientation sound wave includes infrasound.
A kind of contactless payment method, applied in payment terminal, methods described includes：
Sent to electronic equipment and find solicited message；
Receive the payment data to match with the discovery solicited message that the electronic equipment returns；And
Payment transaction is completed using the payment data and the electronic equipment of the matching.
A kind of contactless payment device, runs in electronic equipment, described device includes：
First receiving module, for receiving the discovery solicited message of payment terminal；
Matching module, for the discovery solicited message to be matched with the payment data in the electronic equipment；
First sending module, for the payment data of matching to be sent into the payment terminal by orienting sound wave；And
First transaction modules, payment transaction is completed for the payment data using the matching and the payment terminal.
According to the preferred embodiment of the present invention, the electronic equipment includes safety element framework, and the safety element framework is deposited Store up the payment data.
According to the preferred embodiment of the present invention, the orientation sound wave includes infrasound.
A kind of contactless payment device, runs in payment terminal, described device includes：
Second sending module, solicited message is found for being sent to electronic equipment；
Second receiving module, the payment to match with the discovery solicited message returned for receiving the electronic equipment Data；And
Second transaction modules, payment transaction is completed for the payment data using the matching and the electronic equipment.
A kind of electronic equipment, the electronic equipment include processor, and the processor is used to perform what is stored in memory The step of contactless payment method is realized during computer program.
A kind of computer-readable recording medium, is stored thereon with computer program, and the computer program is held by processor The step of contactless payment method is realized during row.
As can be seen from the above technical solutions, the present invention receives the discovery solicited message of payment terminal；Please by the discovery Information is asked to be matched with the payment data in the electronic equipment；The payment data of matching is sent to institute by orienting sound wave State payment terminal；And complete payment transaction with the payment terminal using the payment data of the matching.Can have using the present invention Effect avoids stealing brush phenomenon, and safe class is high, and brings more preferable Consumer's Experience.
Brief description of the drawings
Fig. 1 is the applied environment figure for the preferred embodiment that the present invention realizes contactless payment method.
Fig. 2 is the flow chart of the first preferred embodiment of contactless payment method of the present invention.
Fig. 3 is the flow chart of the second preferred embodiment of contactless payment method of the present invention.
Fig. 4 is the functional block diagram of the first embodiment of contactless payment device of the present invention.
Fig. 5 is the functional block diagram of the second embodiment of contactless payment device of the present invention.
Fig. 6 is the structural representation of the electronic equipment for the preferred embodiment that the present invention realizes contactless payment method.
Fig. 7 is the structural representation of the payment terminal for the preferred embodiment that the present invention realizes contactless payment method.
Main element symbol description
Electronic equipment 1
Memory 12
Processor 13
SE frameworks 10
Orient sound wave controlled device 14
Loudspeaker 15
Contactless payment device 11
First receiving module 100
Matching module 101
First sending module 102
First transaction modules 103
Payment terminal 2
Storage device 22
Processing equipment 23
Contactless payment device 21
Second sending module 200
Second receiving module 201
Second transaction modules 202
Embodiment
In order that the object, technical solutions and advantages of the present invention are clearer, below in conjunction with the accompanying drawings with specific embodiment pair The present invention is described in detail.
As shown in figure 1, it is the applied environment figure for the preferred embodiment that the present invention realizes contactless payment method.The application Environment map includes electronic equipment 1 and payment terminal 2.The electronic equipment 1 includes SE (security element, safety element) Framework 10, orientation sound wave controlled device 14 and loudspeaker 15.
The SE frameworks 10 are responsible for ensuring the safety of payment system.The configuration mode of the SE frameworks 10 includes 3 kinds：By institute State SE frameworks 10 to be placed in electronic equipment 1, the SE frameworks 10 are embedded in SIM (Subscriber Identification Module client identification modules) in card, and the SE frameworks 10 are placed on circumscribed SD (Secure Digital Memory Card/SD card, safe digital card) card in.The SE frameworks 10 are answered for the security requirements such as payment, authentication are high With essential for scene.
The orientation sound wave controlled device 14 is used to control sound wave to be oriented propagation.
The loudspeaker 15 is a kind of energy transducer for electric signal being changed into acoustical signal, and the loudspeaker 15 can be by sound Ripple amplifies, then is transmitted.
As shown in Fig. 2 it is the flow chart of the first preferred embodiment of contactless payment method of the present invention.According to different need Ask, the order of step can change in the flow chart, and some steps can be omitted.
The contactless payment method is applied in one or more electronic equipment, and the electronic equipment 1 is a kind of energy It is enough according to the instruction for being previously set or store, the equipment of automatic progress numerical computations and/or information processing, its hardware is included but not It is limited to microprocessor, application specific integrated circuit (Application Specific Integrated Circuit, ASIC), can compiles Journey gate array (Field-Programmable Gate Array, FPGA), digital processing unit (Digital Signal Processor, DSP), embedded device etc..
The electronic equipment 1 and the payment terminal 2 can be any electronics that man-machine interaction can be carried out with user Product, for example, personal computer, tablet personal computer, smart mobile phone, personal digital assistant (Personal Digital Assistant, PDA), game machine, IPTV (Internet Protocol Television, IPTV), intelligence Formula Wearable etc..Network residing for the electronic equipment include but is not limited to internet, wide area network, Metropolitan Area Network (MAN), LAN, VPN (Virtual Private Network, VPN) etc..
The payment terminal 2 is that a kind of pay accepts equipment.The payment terminal 2 interacts with the electronic equipment 1, It is common to complete payment flow.The payment terminal 2 includes, but are not limited to：Card reader, NFC cashing machines (NFC POSs) and NFC (Near Field Communication, near field communication (NFC)) automatic vending machine, NFC card-reading apparatus and bus card-reading Machine etc., this is not restricted by the present invention.
S10, the electronic equipment 1 receive the discovery solicited message of payment terminal 2.
In at least one embodiment of the present invention, the electronic equipment 1 obtains user's triggering institute of the electronic equipment 1 State the trigger signal of contactless payment function.After obtaining the trigger signal, the electronic equipment 1 receives the payment terminal 2 Discovery solicited message.
Preferably, the electronic equipment 1 obtains touching for user's triggering contactless payment function of the electronic equipment 1 The mode of signalling includes, but are not limited to：The fingerprint trigger signal of the user is obtained, obtains user's triggering entity button Signal, obtain the user and open signal of application program etc., this is not restricted by the present invention.
The payment terminal 2 can periodically send the discovery solicited message, and each electronics for detecting surrounding is set It is standby whether the discovery solicited message to be responded.
In at least one embodiment of the present invention, the group for finding solicited message and can including one or more of Close：Consumer field, consumption place, favor information etc..
The consumer field refers to the type of this transaction, and the consumer field includes, but are not limited to：Bank card consumption, Transportation card consumption, member card consumption, the consumption of film card and mess card consumption etc., this is not restricted by the present invention.
The consumption place refers to the mandate of the payment terminal 2, or the spot of this transaction.
The favor information refer to this transaction can favourable condition and real-time preferential policy.Such as：One supermarket's regulation, When user is consumed using the bank card of an appointed bank, the supermarket is by described one preferential discount of user.
It should be noted that described find that solicited message can be by the user of the payment terminal 2 according to specific consumption Policy carries out real-time update, and to meet the business demand under different business scene, the present invention is not limited.
S11, the electronic equipment 1 find solicited message and the payment data progress in the electronic equipment 1 by described Match somebody with somebody.
In at least one embodiment of the present invention, the electronic equipment 1 includes the SE frameworks 10.The SE frameworks 10 Store the payment data.The payment data includes, but are not limited to：Application program (such as：Application journey for secure payment Sequence etc.), key (such as：Bank's master key, terminal authentication key etc.) and transaction data (such as：Card number, type of transaction, consumption Remaining sum, account essential information etc.).
In at least one embodiment of the present invention, the electronic equipment 1 finds solicited message and the SE framves by described The payment data stored in structure 10 is matched, and determines this business demand and the payment number matched with this exchange According to.
Preferably, the electronic equipment 1 read it is described discovery solicited message content, obtain consumer field, consumption place, Favor information etc..For example, in a payment transaction, the electronic equipment 1 reads this from the discovery solicited message Merchandise as the bank card consumption in a market, and enjoy member privilege.The electronic equipment 1 is read in the SE frameworks 10 The payment data stored, the payment number using payment data corresponding with the content of the discovery solicited message as the matching According to.Such as：The electronic equipment 1 reads the payment data stored in the SE frameworks 10, finds corresponding market, Hui Yuanyou The payment data such as favour information and bank card information, and using these payment datas as corresponding with the content of the discovery solicited message The matching payment data.
It should be noted that in other embodiments, the payment data can also be stored in the card of the SE frameworks 10 In piece application.The electronic equipment 1 is matched the discovery solicited message with the payment data in the electronic equipment 1, So as to be matched with the card application, and activate the card application.
The payment data of matching is sent to the payment terminal 2 by S12, the electronic equipment 1 by orienting sound wave.
In at least one embodiment of the present invention, the orientation sound wave refers to the direction propagation of sound wave.Using described fixed To after sound wave, human ear can only can just hear sound in specific region, for example, when user is seeing TV, television set leads to The orientation sound wave is crossed, by transfer voice to FX, after the user enters the FX, can just hear sound.
Preferably, in the present embodiment, in order to avoid being interfered to the environment of surrounding, the orientation sound wave can use Human ear None- identified, frequency is less than 20Hz infrasound.Certainly other frequencies, this hair can also be used in other embodiments The bright frequency to the orientation sound wave is not restricted.
Preferably, the transmission of the orientation sound wave is controlled by the orientation sound wave controlled device 14.The biography of the orientation sound wave Defeated distance can be obtained when dispatching from the factory by manufacturer after testing repeatedly, then be configured.Certainly, in other embodiments, institute Stating transmission range can also be set by user, and this is not restricted by the present invention.
The orientation sound wave passes through the enhanced processing of the loudspeaker 15, the payment data of the matching is sent to described Payment terminal 2.
S13, the electronic equipment 1 complete payment transaction using the payment data of the matching with the payment terminal 2.
In at least one embodiment of the present invention, the electronic equipment 1 using the matching payment data with it is described Payment terminal 2 completes payment transaction.
For example, in a contactless payment, the payment data of the matching is passed through the orientation by the electronic equipment 1 Sound wave is sent to after the payment terminal 2, and the payment terminal 2 receives the payment data of the matching.The electronic equipment 1 And the payment terminal 2 utilizes the payment data mutual authentication of the matching, and by the electronic equipment 1, the payment terminal 2 And third party (such as bank) confirms whether this contactless payment meets the requirements jointly.Certainly, in the contactless payment, Whether can also be set by User Defined needs to input trading password, such as：User could be arranged to when payment is less than Or equal to preset value (such as：300 yuan) when need not input trading password, needed when payment is more than the preset value Trading password etc. is inputted, this is not restricted by the present invention.
It should be noted that because follow-up payment process is prior art, the present invention will not be repeated here.
As shown in figure 3, it is the flow chart of the second preferred embodiment of contactless payment method of the present invention.According to different need Ask, the order of step can change in the flow chart, and some steps can be omitted.
S20, the payment terminal 2 send to the electronic equipment 1 and find solicited message.
In at least one embodiment of the present invention, the payment terminal 2 can periodically send the discovery request Information, it can also continue to send the discovery solicited message, and whether each electronic equipment for detecting surrounding please to the discovery Information is asked to be responded.This is not restricted by the present invention.
The carrier for finding solicited message can include：Orientation sound wave, common sound wave, radio wave, electromagnetism involve red Outside line etc..
In at least one embodiment of the present invention, the group for finding solicited message and can including one or more of Close：Consumer field, consumption place, favor information etc..
The consumer field refers to the type of this transaction, and the consumer field includes, but are not limited to：Bank card consumption, Transportation card consumption, member card consumption, the consumption of film card and mess card consumption etc., this is not restricted by the present invention.
The consumption place refers to the mandate of the payment terminal 2, or the spot of this transaction.
The favor information refer to this transaction can favourable condition and real-time preferential policy.Such as：One supermarket's regulation, When user is consumed using the bank card of an appointed bank, the supermarket is by described one preferential discount of user.
S21, the payment terminal 2 receive the branch to match with the discovery solicited message that the electronic equipment 1 returns Pay data.
In at least one embodiment of the present invention, the electronic equipment 1 finds solicited message and the electronics by described Payment data in equipment 1 is matched, and determines this business demand and the payment data matched with this exchange, and will The payment data of the matching is sent to the payment terminal 2 by the orientation sound wave.
Preferably, the electronic equipment 1 read it is described discovery solicited message content, obtain consumer field, consumption place, Favor information etc..For example, in a payment transaction, the electronic equipment 1 reads this from the discovery solicited message Merchandise as the bank card consumption in a market, and enjoy member privilege.The electronic equipment 1 is read in the SE frameworks 10 The payment data stored, the payment number using payment data corresponding with the content of the discovery solicited message as the matching According to.Such as：The electronic equipment 1 reads the payment data stored in the SE frameworks 10, finds corresponding market, Hui Yuanyou The payment data such as favour information and bank card information, and using these payment datas as corresponding with the content of the discovery solicited message The matching payment data.
S22, the payment terminal 2 complete payment transaction using the payment data of the matching with the electronic equipment 1.
In at least one embodiment of the present invention, the payment terminal 2 using the matching payment data with it is described Electronic equipment 1 completes payment transaction.
For example, in a contactless payment, the payment data of the matching is passed through the orientation by the electronic equipment 1 Sound wave is sent to after the payment terminal 2, and the payment terminal 2 receives the payment data of the matching.The electronic equipment 1 And the payment terminal 2 utilizes the payment data mutual authentication of the matching, and by the electronic equipment 1, the payment terminal 2 And third party (such as bank) confirms whether this contactless payment meets the requirements jointly.Certainly, in the contactless payment, Whether can also be set by User Defined needs to input trading password, such as：User could be arranged to when payment is less than Or equal to preset value (such as：300 yuan) when need not input trading password, needed when payment is more than the preset value Trading password etc. is inputted, this is not restricted by the present invention.
It should be noted that because follow-up payment process is prior art, the present invention will not be repeated here.
In summary, the present invention can receive the discovery solicited message of payment terminal；By it is described discovery solicited message with it is described Payment data in electronic equipment is matched；The payment data of matching is sent to the payment terminal by orienting sound wave； And complete payment transaction with the payment terminal using the payment data of the matching.Therefore, the present invention can effectively be avoided stealing and brushed Phenomenon, safe class is high, and brings more preferable Consumer's Experience.
As shown in figure 4, it is the functional block diagram of the first embodiment of contactless payment device of the present invention.The non-contact branch Paying device 11 includes the first receiving module 100, matching module 101, the first sending module 102 and the first transaction modules 103.This hair Bright alleged module refers to a kind of can be performed by processor 13 and to complete the series of computation machine journey of fixing function Sequence section, it is stored in memory 12.In the present embodiment, the function on each module will be described in detail in follow-up embodiment.
First receiving module 100 receives the discovery solicited message of payment terminal 2.
In at least one embodiment of the present invention, the electronic equipment 1 obtains user's triggering institute of the electronic equipment 1 State the trigger signal of contactless payment function.After obtaining the trigger signal, first receiving module 100 receives the payment The discovery solicited message of terminal 2.
Preferably, the electronic equipment 1 obtains touching for user's triggering contactless payment function of the electronic equipment 1 The mode of signalling includes, but are not limited to：The fingerprint trigger signal of the user is obtained, obtains user's triggering entity button Signal, obtain the user and open signal of application program etc., this is not restricted by the present invention.
The payment terminal 2 can periodically send the discovery solicited message, and each electronics for detecting surrounding is set It is standby whether the discovery solicited message to be responded.
In at least one embodiment of the present invention, the group for finding solicited message and can including one or more of Close：Consumer field, consumption place, favor information etc..
The consumer field refers to the type of this transaction, and the consumer field includes, but are not limited to：Bank card consumption, Transportation card consumption, member card consumption, the consumption of film card and mess card consumption etc., this is not restricted by the present invention.
The consumption place refers to the mandate of the payment terminal 2, or the spot of this transaction.
The favor information refer to this transaction can favourable condition and real-time preferential policy.Such as：One supermarket's regulation, When user is consumed using the bank card of an appointed bank, the supermarket is by described one preferential discount of user.
It should be noted that described find that solicited message can be by the user of the payment terminal 2 according to specific consumption Policy carries out real-time update, and to meet the business demand under different business scene, the present invention is not limited.
Matching module 101 is matched the discovery solicited message with the payment data in the electronic equipment 1.
In at least one embodiment of the present invention, the electronic equipment 1 includes the SE frameworks 10.The SE frameworks 10 Store the payment data.The payment data includes, but are not limited to：Application program (such as：Application journey for secure payment Sequence etc.), key (such as：Bank's master key, terminal authentication key etc.) and transaction data (such as：Card number, type of transaction, consumption Remaining sum, account essential information etc.).
In at least one embodiment of the present invention, the matching module 101 finds solicited message and the SE by described The payment data stored in framework 10 is matched, and determines this business demand and the payment number matched with this exchange According to.
Preferably, the matching module 101 reads the content of the discovery solicited message, obtains consumer field, area of consumption Point, favor information etc..For example, in a payment transaction, the matching module 101 is read from the discovery solicited message This transaction is the bank card consumption in a market, and enjoys member privilege.The matching module 101 reads the SE framves The payment data stored in structure 10, using payment data corresponding with the content of the discovery solicited message as the matching Payment data.Such as：The matching module 101 reads the payment data stored in the SE frameworks 10, finds corresponding business , the payment data such as member privilege information and bank card information, and using these payment datas as with the discovery solicited message Content corresponding to the matching payment data.
It should be noted that in other embodiments, the payment data can also be stored in the card of the SE frameworks 10 In piece application.The matching module 101 finds solicited message and the payment data progress in the electronic equipment 1 by described Match somebody with somebody, so as to be matched with the card application, and activate the card application.
The payment data of matching is sent to the payment terminal 2 by the first sending module 102 by orienting sound wave.
In at least one embodiment of the present invention, the orientation sound wave refers to the direction propagation of sound wave.Using described fixed To after sound wave, human ear can only can just hear sound in specific region, for example, when user is seeing TV, television set leads to The orientation sound wave is crossed, by transfer voice to FX, after the user enters the FX, can just hear sound.
Preferably, in the present embodiment, in order to avoid being interfered to the environment of surrounding, the orientation sound wave can use Human ear None- identified, frequency is less than 20Hz infrasound.Certainly other frequencies, this hair can also be used in other embodiments The bright frequency to the orientation sound wave is not restricted.
Preferably, the transmission of the orientation sound wave is controlled by the orientation sound wave controlled device 14.The biography of the orientation sound wave Defeated distance can be obtained when dispatching from the factory by manufacturer after testing repeatedly, then be configured.Certainly, in other embodiments, institute Stating transmission range can also be set by user, and this is not restricted by the present invention.
The orientation sound wave passes through the enhanced processing of the loudspeaker 15, and first sending module 102 is by the matching Payment data be sent to the payment terminal 2.
First transaction modules 103 complete payment transaction using the payment data of the matching with the payment terminal 2.
In at least one embodiment of the present invention, first transaction modules 103 utilize the payment data of the matching Payment transaction is completed with the payment terminal 2.
For example, in a contactless payment, the payment data of the matching is passed through institute by first sending module 102 State orientation sound wave to be sent to after the payment terminal 2, the payment terminal 2 receives the payment data of the matching.Described One transaction modules 103 and the payment terminal 2 utilize the payment data mutual authentication of the matching, and by the described first transaction mould Block 103, the payment terminal 2 and third party (such as bank) confirm whether this contactless payment meets the requirements jointly.Certainly, Whether in the contactless payment, can also be set by User Defined needs to input trading password, such as：User can set Be set to when payment be less than or equal to preset value (such as：300 yuan) when need not input trading password, when payment is big Need to input trading password etc. when the preset value, this is not restricted by the present invention.
It should be noted that because follow-up payment process is prior art, the present invention will not be repeated here.
As shown in figure 5, it is the functional block diagram of the second embodiment of contactless payment device of the present invention.The non-contact branch Paying device 21 includes the second sending module 200, the second receiving module 201 and the second transaction modules 202.Module alleged by the present invention Refer to that a kind of equipment 23 that can be processed is performed and can complete the series of computation machine program segment of fixing function, it is stored In storage device 22.In the present embodiment, the function on each module will be described in detail in follow-up embodiment.
Second sending module 200 sends to the electronic equipment 1 and finds solicited message.
In at least one embodiment of the present invention, second sending module 200 can periodically send the hair Existing solicited message, can also continue to send the discovery solicited message, and whether detect each electronic equipment of surrounding to described It was found that solicited message is responded.This is not restricted by the present invention.
The carrier for finding solicited message can include：Orientation sound wave, common sound wave, radio wave, electromagnetism involve red Outside line etc..
In at least one embodiment of the present invention, the group for finding solicited message and can including one or more of Close：Consumer field, consumption place, favor information etc..
The consumer field refers to the type of this transaction, and the consumer field includes, but are not limited to：Bank card consumption, Transportation card consumption, member card consumption, the consumption of film card and mess card consumption etc., this is not restricted by the present invention.
The consumption place refers to the mandate of the payment terminal 2, or the spot of this transaction.
The favor information refer to this transaction can favourable condition and real-time preferential policy.Such as：One supermarket's regulation, When user is consumed using the bank card of an appointed bank, the supermarket is by described one preferential discount of user.
Second receiving module 201 receives the payment to match with the discovery solicited message that the electronic equipment 1 returns Data.
In at least one embodiment of the present invention, the electronic equipment 1 finds solicited message and the electronics by described Payment data in equipment 1 is matched, and determines this business demand and the payment data matched with this exchange, and will The payment data of the matching is sent to the payment terminal 2 by the orientation sound wave.
Preferably, the electronic equipment 1 read it is described discovery solicited message content, obtain consumer field, consumption place, Favor information etc..For example, in a payment transaction, the electronic equipment 1 reads this from the discovery solicited message Merchandise as the bank card consumption in a market, and enjoy member privilege.The electronic equipment 1 is read in the SE frameworks 10 The payment data stored, the payment number using payment data corresponding with the content of the discovery solicited message as the matching According to.Such as：The electronic equipment 1 reads the payment data stored in the SE frameworks 10, finds corresponding market, Hui Yuanyou The payment data such as favour information and bank card information, and using these payment datas as corresponding with the content of the discovery solicited message The matching payment data.
Second transaction modules 202 complete payment transaction using the payment data of the matching with the electronic equipment 1.
In at least one embodiment of the present invention, second transaction modules 202 utilize the payment data of the matching Payment transaction is completed with the electronic equipment 1.
For example, in a contactless payment, the payment data of the matching is passed through the orientation by the electronic equipment 1 Sound wave is sent to after the payment terminal 2, and second receiving module 201 receives the payment data of the matching.The electricity Sub- equipment 1 and second transaction modules 202 using the matching payment data mutual authentication, and by the electronic equipment 1, Second transaction modules 202 and third party (such as bank) confirm whether this contactless payment meets the requirements jointly.Certainly, Whether in the contactless payment, can also be set by User Defined needs to input trading password, such as：User can set Be set to when payment be less than or equal to preset value (such as：300 yuan) when need not input trading password, when payment is big Need to input trading password etc. when the preset value, this is not restricted by the present invention.
It should be noted that because follow-up payment process is prior art, the present invention will not be repeated here.
In summary, the present invention can receive the discovery solicited message of payment terminal；By it is described discovery solicited message with it is described Payment data in electronic equipment is matched；The payment data of matching is sent to the payment terminal by orienting sound wave； And complete payment transaction with the payment terminal using the payment data of the matching.Therefore, the present invention can effectively be avoided stealing and brushed Phenomenon, safe class is high, and brings more preferable Consumer's Experience.
The above-mentioned integrated unit realized in the form of software function module, can be stored in one and computer-readable deposit In storage media.Above-mentioned software function module is stored in a storage medium, including some instructions are causing a computer It is each that equipment (can be personal computer, server, or network equipment etc.) or processor (processor) perform the present invention The part steps of embodiment methods described.
As shown in fig. 6, it is the structural representation of the electronic equipment for the preferred embodiment that the present invention realizes contactless payment method Figure.The electronic equipment 1 includes memory 12 and processor 13.
The electronic equipment 1 be it is a kind of can according to the instruction for being previously set or storing, it is automatic carry out numerical computations and/or The equipment of information processing, its hardware include but is not limited to microprocessor, application specific integrated circuit (Application Specific Integrated Circuit, ASIC), programmable gate array (Field-Programmable Gate Array, FPGA), number Word processing device (Digital Signal Processor, DSP), embedded device etc..
Keyboard, mouse, remote control, touch pad or voice-operated device etc. can be passed through with user by also including but is not limited to any one Mode carries out the electronic product of man-machine interaction, for example, personal computer, tablet personal computer, smart mobile phone, personal digital assistant (Personal Digital Assistant, PDA), game machine, IPTV (Internet Protocol Television, IPTV), intellectual Wearable etc..
Network residing for the electronic equipment 1 include but is not limited to internet, wide area network, Metropolitan Area Network (MAN), LAN, it is virtual specially With network (Virtual Private Network, VPN) etc..
The memory 12 is used to store a kind of program of contactless payment method and various data, and is set in the electronics High speed is realized in standby 1 running, is automatically completed the access of program or data.The memory 12 can be electronic equipment 1 External memory storage and/or internal storage.
Further, the memory 12 can be the electricity with store function for not having in integrated circuit physical form Road, such as RAM (Random-Access Memory, random access memory), FIFO (FirstIn First Out) etc..Or Person, the memory 12 can also be the memories for having physical form, such as memory bar, TF card (Trans-flash Card) Deng.
The processor 13 is also known as central processing unit (CPU, Central Processing Unit), is one piece of super large rule The integrated circuit of mould, it is the arithmetic core (Core) and control core (Control Unit) of electronic equipment 1.
The processor 13 can perform the operating system of the electronic equipment 1 and types of applications program, the program of installation Code etc., such as contactless payment device 11.
The contactless payment device 11 receives the discovery solicited message of payment terminal；By the discovery solicited message and institute The payment data stated in electronic equipment is matched；The payment data of matching is sent to described pay eventually by orienting sound wave End；And complete payment transaction with the payment terminal using the payment data of the matching.Therefore, the present invention can effectively avoid stealing Brush phenomenon, safe class is high, and brings more preferable Consumer's Experience.
With reference to Fig. 2, the memory 12 in the electronic equipment 1 stores multiple instruction to realize a kind of contactless payment Method, the processor 13 can perform the multiple instruction so as to realize：Receive the discovery solicited message of payment terminal；By described in It was found that solicited message is matched with the payment data in the electronic equipment；The payment data of matching is sent out by orienting sound wave Give the payment terminal；And complete payment transaction with the payment terminal using the payment data of the matching.
According to the preferred embodiment of the present invention, the processor 13, which also performs multiple instruction, to be included：
The electronic equipment includes safety element framework, and the safety element framework stores the payment data.
According to the preferred embodiment of the present invention, the processor 13, which also performs multiple instruction, to be included：
The orientation sound wave includes infrasound.
Specifically, the processor 13 refers to Fig. 2 to the concrete methods of realizing of above-mentioned instruction and corresponds to correlation in embodiment The description of step, will not be described here.
As shown in fig. 7, it is the structural representation of the payment terminal for the preferred embodiment that the present invention realizes contactless payment method Figure.The payment terminal 2 includes storage device 22 and processing equipment 23.
The payment terminal 2 be it is a kind of can according to the instruction for being previously set or storing, it is automatic carry out numerical computations and/or The equipment of information processing, its hardware include but is not limited to microprocessor, application specific integrated circuit (Application Specific Integrated Circuit, ASIC), programmable gate array (Field-Programmable Gate Array, FPGA), number Word processing device (Digital Signal Processor, DSP), embedded device etc..
Keyboard, mouse, remote control, touch pad or voice-operated device etc. can be passed through with user by also including but is not limited to any one Mode carries out the electronic product of man-machine interaction, for example, personal computer, tablet personal computer, smart mobile phone, personal digital assistant (Personal Digital Assistant, PDA), game machine, IPTV (Internet Protocol Television, IPTV), intellectual Wearable etc..
Network residing for the payment terminal 2 include but is not limited to internet, wide area network, Metropolitan Area Network (MAN), LAN, it is virtual specially With network (Virtual Private Network, VPN) etc..
The storage device 22 is used to store a kind of program of contactless payment method and various data, and in the payment High speed is realized in the running of terminal 2, is automatically completed the access of program or data.The storage device 22 can be the branch Pay the external memory storage and/or internal storage of terminal 2.
Further, the storage device 22 can be the electricity with store function for not having in integrated circuit physical form Road, such as RAM (Random-Access Memory, random access memory), FIFO (First In First Out) etc..Or Person, the storage device 22 can also be the memories for having physical form, such as memory bar, TF card (Trans-flash Card) Etc..
The processing equipment 23 is also known as central processing unit (CPU, Central Processing Unit), is one piece of super large The integrated circuit of scale, it is the arithmetic core (Core) and control core (Control Unit) of payment terminal 2.
The processing equipment 23 can perform the operating system of the payment terminal 2 and types of applications program, the journey of installation Sequence code etc., such as contactless payment device 21.
The contactless payment device 21 sends to electronic equipment and finds solicited message；Receive what the electronic equipment returned The payment data to match with the discovery solicited message；And completed using the payment data of the matching with the electronic equipment Payment transaction.Therefore, the present invention can effectively avoid stealing brush phenomenon, and safe class is high, and brings more preferable Consumer's Experience.
With reference to Fig. 3, the storage device 22 in the payment terminal 2 stores multiple instruction to realize a kind of non-contact branch The method of paying, the processing equipment 23 can perform the multiple instruction so as to realize：Sent to electronic equipment and find solicited message；Connect Receive the payment data to match with the discovery solicited message that the electronic equipment returns；And the payment number using the matching Payment transaction is completed according to the electronic equipment.
Specifically, the processing equipment 23 refers to Fig. 3 to the concrete methods of realizing of above-mentioned instruction and corresponds to phase in embodiment The description of step is closed, will not be described here.
In several embodiments provided by the present invention, it should be understood that disclosed system, apparatus and method can be with Realize by another way.For example, device embodiment described above is only schematical, for example, the module Division, only a kind of division of logic function, can there is other dividing mode when actually realizing.It is described to be said as separating component Bright module can be or may not be physically separate, can be as the part that module is shown or can not also It is physical location, you can with positioned at a place, or can also be distributed on multiple NEs.Can be according to the need of reality Some or all of module therein is selected to realize the purpose of this embodiment scheme.In addition, in each embodiment of the present invention In each functional module can be integrated in a processing unit or unit is individually physically present, can also two Individual or two or more unit is integrated in a unit.Above-mentioned integrated unit can both be realized in the form of hardware, also may be used Realized in the form of adding software function module using hardware.
It is obvious to a person skilled in the art that the invention is not restricted to the details of above-mentioned one exemplary embodiment, Er Qie In the case of without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter From the point of view of which point, embodiment all should be regarded as exemplary, and be nonrestrictive, the scope of the present invention is by appended power Profit requires rather than described above limits, it is intended that all in the implication and scope of the equivalency of claim by falling Change is included in the present invention.Any attached associated diagram mark in claim should not be considered as into the involved right of limitation will Ask.Furthermore, it is to be understood that the word of " comprising " one is not excluded for other units or step, odd number is not excluded for plural number.Stated in system claims Multiple units or device can also be realized by a unit or device by software or hardware.Second grade word is used for table Show title, and be not offered as any specific order.
Finally it should be noted that the above embodiments are merely illustrative of the technical solutions of the present invention and it is unrestricted, although reference The present invention is described in detail for preferred embodiment, it will be understood by those within the art that, can be to the present invention's Technical scheme is modified or equivalent substitution, without departing from the spirit and scope of technical solution of the present invention.

Claims (10)

  1. A kind of 1. contactless payment method, applied in electronic equipment, it is characterised in that methods described includes：
    Receive the discovery solicited message of payment terminal；
    The discovery solicited message is matched with the payment data in the electronic equipment；
    The payment data of matching is sent to the payment terminal by orienting sound wave；And
    Payment transaction is completed using the payment data and the payment terminal of the matching.
  2. 2. contactless payment method as claimed in claim 1, it is characterised in that the electronic equipment includes safety element frame Structure, the safety element framework store the payment data.
  3. 3. contactless payment method as claimed in claim 1, it is characterised in that the orientation sound wave includes infrasound.
  4. A kind of 4. contactless payment method, applied in payment terminal, it is characterised in that methods described includes：
    Sent to electronic equipment and find solicited message；
    Receive the payment data to match with the discovery solicited message that the electronic equipment returns；And
    Payment transaction is completed using the payment data and the electronic equipment of the matching.
  5. 5. a kind of contactless payment device, runs in electronic equipment, it is characterised in that described device includes：
    First receiving module, for receiving the discovery solicited message of payment terminal；
    Matching module, for the discovery solicited message to be matched with the payment data in the electronic equipment；
    First sending module, for the payment data of matching to be sent into the payment terminal by orienting sound wave；And
    First transaction modules, payment transaction is completed for the payment data using the matching and the payment terminal.
  6. 6. contactless payment device as claimed in claim 5, it is characterised in that the electronic equipment includes safety element frame Structure, the safety element framework store the payment data.
  7. 7. contactless payment device as claimed in claim 5, it is characterised in that the orientation sound wave includes infrasound.
  8. 8. a kind of contactless payment device, runs in payment terminal, it is characterised in that described device includes：
    Second sending module, solicited message is found for being sent to electronic equipment；
    Second receiving module, the payment number to match with the discovery solicited message returned for receiving the electronic equipment According to；And
    Second transaction modules, payment transaction is completed for the payment data using the matching and the electronic equipment.
  9. 9. a kind of electronic equipment, it is characterised in that the electronic equipment includes processor, and the processor is used to perform memory Realized during the computer program of middle storage as described in any one in claim 1-3 the step of contactless payment method.
  10. 10. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that：The computer program Realized when being executed by processor as described in any one in claim 1-3 the step of contactless payment method.
CN201710652533.1A 2017-08-02 2017-08-02 Contactless payment method and device Pending CN107403315A (en)

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