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Bluetooth-based mobile payment method and system

A mobile payment and bluetooth technology, applied in the field of bluetooth-based mobile payment methods and systems, can solve the problems of insecure payment, wrong link, and poor user experience, and achieve the effects of ensuring transaction security, improving payment speed, and improving user experience.

Inactive Publication Date: 2016-04-13
咪付(广西)网络技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The technical problem to be solved by the present invention: in the prior art, when a mobile intelligent terminal is used for mobile payment, a single bluetooth communication method is used to easily cause a wrong connection or unauthorized activation during the transaction, and there is a gap between payment insecurity and user experience. high problem

Method used

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  • Bluetooth-based mobile payment method and system
  • Bluetooth-based mobile payment method and system
  • Bluetooth-based mobile payment method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0035] see figure 1 , a bluetooth-based mobile payment method comprising the steps of:

[0036] S1: The mobile smart terminal logs in to the APP client, obtains the consumption certificate from the back-end support platform through the network, and turns on the sound wave listening and Bluetooth functions;

[0037] S2: The user brings the mobile smart terminal (such as a smart phone) close to the sensor of the POS terminal, triggers the POS terminal to randomly generate an identification code for identity confirmation, modulates it into a sound wave of the corresponding frequency, and sends it to the mobile smart terminal; in order to reduce interference, for example The sound wave is 4~19khz, corresponding to the characters 0~9, A~F in turn, corresponding to the following table, the unit of the second row is khz:

[0038] 0 1 2 3 4 5 6 7 8 9 A B C D E F 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

[0039] For example, in a specif...

Embodiment 2

[0049] Such as process figure 2 Another Bluetooth-based mobile payment method embodiment is shown, specifically:

[0050] S1: The user's mobile smart terminal logs in to the APP client, obtains the consumption certificate from the back-end support platform through the network, and turns on the sound wave listening and Bluetooth functions;

[0051] S2: The user brings the mobile smart terminal close to the sensor of the POS terminal, triggers the POS terminal to generate an identification code for this transaction, modulates it into a sound wave of the corresponding frequency and sends it to the mobile smart terminal; in order to reduce interference, the sound wave used is 4~19khz, Corresponding to the characters 0~9, A~F in turn; in order to reduce interference, for example, the sound wave is 4~19khz, corresponding to the characters 0~9, A~F in turn, corresponding to the table corresponding to Example 1,

[0052] For example, in a specific embodiment, the identification code g...

Embodiment 3

[0060] Such as image 3 This embodiment is another Bluetooth-based mobile payment method, which specifically includes the following steps:

[0061] S1: The mobile smart terminal logs in to the APP client, obtains the consumption certificate from the back-end support platform through the network, and turns on the sound wave and Bluetooth playback functions;

[0062] S2: The mobile smart terminal generates an identification code for identifying the identity, modulates it into a sound wave of the corresponding frequency, and sends it to the POS terminal. The correspondence between the sound wave frequency and the character can be as in the aforementioned correspondence table, and will not be described again;

[0063] S3: On the other hand, the smart mobile terminal broadcasts the broadcast data packet containing the identification code and the consumption certificate via Bluetooth;

[0064] S4: The POS terminal obtains the broadcast data packet through Bluetooth scanning;

[00...

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Abstract

The invention relates to the mobile payment field, and more specifically relates to a Bluetooth-based mobile payment method and system. The method includes the following steps: an intelligent mobile terminal requests a consumption voucher from a back-end supporting platform, and starts sound wave monitoring and Bluetooth functions; a POS terminal modulates a randomly-generated identification code into a sound wave with the corresponding frequency and sends the sound wave out; the intelligent mobile terminal receives the sound wave and identifies the identification code, and broadcasts a data packet formed by the identification code and the consumption voucher through Bluetooth; and when an identification code obtained by Bluetooth scanning is identical to the identification code emitted by the POS terminal through the sound save, the POS terminal analyzes and verifies the consumption voucher, and consumption is conducted and consumption records are stored after the consumption voucher is verified . A dual-verifying mode of both Bluetooth and sound waves helps to solve the problems that the wide range of Bluetooth signal broadcasting causes card-swiping by mistake and consumption vouchers may be stolen if broadcast data packets are stolen. In this way, transaction security is ensured, and the transaction speed is increased. The Bluetooth-based mobile payment method and system are applicable to subways, public transport ticket checking and other occasions.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a Bluetooth-based mobile payment method and system. Background technique [0002] With the popularization of mobile networks and smart phones, it is becoming inevitable to use mobile phones to replace various functional cards for mobile payment. Such as various bank cards, bus cards, subway cards and so on. The so-called mobile payment is a service method that allows users to use their mobile terminals (usually mobile phones) to pay for the goods or services they consume. Among the many methods of existing near-field mobile payment, the existing methods of mobile terminal pairing include NFC (Near Field Communication, near-field wireless communication), Bluetooth, two-dimensional code and other methods. Due to the high configuration cost of NFC, most mobile phones are not equipped with this function at present, so it is difficult to be popularized and applied. [0003] Most of th...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/38G07G1/12
CPCG06Q20/327G06Q20/3272G06Q20/3821G07G1/12
Inventor 梁景策夏光亮
Owner 咪付(广西)网络技术有限公司
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