Method and device for realizing on-site mobile payment by using audio signal

An audio signal and audio information technology, applied in the field of mobile phone on-site payment, can solve the problems of the payer's capital risk, inconvenient portability, lack of adaptability, etc., and achieve the effect of satisfying data security, intuitive and convenient use, and a wide range of payment

Active Publication Date: 2015-07-08
ALIPAY COM
View PDF4 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The disadvantage of this method is: the payer's mobile phone sends out an audio signal similar to a dial tone, and the audio signal contains the identity information of the payer. If it is intercepted by malicious wiretapping, the sensitive information of the payer may be leaked, causing the risk of the payer's funds; Fang’s cash register terminal is a customized hardware device, which requires high hardware cost and is inconvenient to carry; the merchant’s existing computer or mobile phone cannot be used for payment collection, and the adaptability is insufficient

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Method and device for realizing on-site mobile payment by using audio signal
  • Method and device for realizing on-site mobile payment by using audio signal
  • Method and device for realizing on-site mobile payment by using audio signal

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0050] Embodiment 1: The device for carrying out mobile phone on-site payment through audio signals according to the present invention, such as figure 2 As shown, it includes: a collection client unit, a payment service unit and a payment client unit.

[0051] The collection client unit is installed on the cash register terminal of the payee, and is used for: first, sending transaction data to the payment service unit through the network, requesting to start the payment transaction; secondly, receiving and encrypting the transaction identification number returned by the payment service unit ; Again, generate and play an audio signal according to the encrypted transaction identification number information; finally, query the payment service unit for the status of the payment transaction through the network. The payee is a merchant or individual with a cash register terminal, and the types of cash register terminals include desktop computers, tablet computers, mobile phones or ...

Embodiment 2

[0092] Embodiment 2: the difference between the device and method of this embodiment and embodiment 1 is (the same embodiment 1 that is not involved):

[0093] Such as Image 6 As shown, the collection client unit of this embodiment includes a data generating unit, a DTMF information encoding unit and a DTMF sound wave sending unit, and the payment client unit includes a DTMF sound wave receiving unit, a DTMF information encoding unit, and a DTMF information encoding unit. Decoding unit and data verification unit.

[0094] The data generation unit calculates the check value of the data to be transmitted, and adds the check start mark and the check value to the data to be transmitted to form complete data; the DTMF information encoding unit generates the data generation unit Each value of the complete data is converted to the corresponding DTMF superimposed signal, and the continuous DTMF superimposed signal information is formed according to the transmission duration, so as t...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention discloses a method and a device for realizing on-site mobile payment by using an audio signal. The device comprises a collection client unit, a payment service unit and a payment client unit, wherein the collection client unit is arranged on a cashier terminal of a collection party; the payment service unit is arranged in a payment service system of a payment server; and the payment client unit is arranged on a mobile phone of a payment party. The mobile phone of the payment party is connected with the payment server through the Internet or the mobile Internet, and when data is transmitted, the safety of a channel is ensured by an asymmetrical encryption method. The cashier terminal of the collection party is connected with the payment server through the Internet or the mobile Internet, and when the data is transmitted, the safety of a channel is ensured by the asymmetrical encryption method. The cashier terminal of the collection party transmits the audio signal through a loudspeaker, and transmits transaction information to the mobile phone of the payment party, wherein the audio signal within the frequency range of 16 to 22kHz cannot be perceived by human ears, but can be processed by the loudspeakers and microphones of the mobile terminal and the cashier terminal.

Description

technical field [0001] The invention relates to the fields of mobile communication and payment, in particular to a method and device for on-site mobile phone payment through audio signals. Background technique [0002] At present, there are many communication methods between mobile phones or between mobile phones and computers, including Bluetooth, wireless network and other near-field communication methods, but these communication methods have high and specific requirements for hardware configuration, and the process of establishing communication is relatively cumbersome. The cost of software and hardware is high, and the coverage is narrow, which is not convenient for on-site payment by mobile phone, private data transfer between mobile phones and other data transmissions that require high reliability of data transmission. [0003] The patent application with the publication number CN101247183A discloses a method for realizing ultrasonic communication by combining a high-f...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/16
Inventor 朱建
Owner ALIPAY COM
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap