A wearable payment device

Abstract

A wearable payment device includes a wearable carrier, characterized in that: a circuit board and a display screen are placed in a part of the carrier, an encryption module identical to a part of the encryption program on the server side is provided in the circuit board, and a key module with the same attribute image file as the server side is placed, and key pixels encrypted by the encryption module and displayed on the display screen are superimposed on the key carrier. The carrier only needs to directly or indirectly display the key carrier image file superimposed with key pixels to the server side. The carrier does not need to be connected to the Internet or upload or download any information during verification. The server side obtains the key pixels from the content of the carrier to obtain key verification and realize payment release. The carrier has a long standby time, and the verification process is safe and reliable.

Description

Technical Field

[0001] The present invention relates to a payment device, in particular to a wearable payment device, belonging to the technical field of IPC classification G06. Background Art

[0002] The payment system is composed of intermediary institutions that provide payment and clearing services and professional technical means to realize the transmission of payment instructions and the clearing of funds. It is a financial arrangement used to achieve the settlement of debts and the transfer of funds, and is sometimes also called a clearing system.

[0003] At present, when making payments, the payment carriers of the payment system include magnetic stripe cards, mobile devices (including barcode scanning, QR code scanning and NFC near-field payment). Magnetic stripe cards may be copied, so they are now upgraded to chip cards. When scanning QR codes, there is a possibility that the QR code may be replaced, so scanning codes tend to be provided by mobile devices. Dynamic barcodes or QR codes are scanned, which is safer. Near-field payment is a little more troublesome to use than scanning codes, and its promotion scope is limited.

[0004] In addition, card swiping requires carrying a bank card, and QR code scanning and near-field payment both require providing and carrying a mobile device. For today's young people who advocate light travel, it is more convenient to carry a mobile device, but mobile devices are limited by batteries and networks. Therefore, as of now, there is no more convenient payment carrier that can operate independently from the network and has both security and system or method to achieve true convenience. Summary of the invention

[0005] The present invention aims to solve the above-mentioned problems and provides a wearable payment device which is detachable from the network, lightweight and safe.

[0006] The technical solution to the problem to be solved by the present invention is as follows:

[0007] A wearable payment device includes a wearable carrier, characterized in that a circuit board and a display screen are placed in a part of the carrier, an encryption module identical to a part of a server-side encryption program is provided in the circuit board, a key module that uses an image file with the same attributes as the server-side as a key carrier is placed, and key pixel points encrypted by the encryption module and displayed on the display screen are superimposed on the key carrier.

[0008] A cover integrated with the wearable carrier style is also provided above the display screen. A convex column is provided on the side wall of the display screen below the cover. A spring is provided on the convex column. When the cover is covered on the display screen, the convex column abuts against the circuit board below, so that the display screen is in a screen-off power-saving state.

[0009] A distance sensor is also arranged around the display screen, and the distance sensor is connected to the circuit board. When the display screen contacts a verification terminal, the distance sensor controls the lighting and extinguishing of the display screen.

[0010] The carrier is provided with two display screens. When the pixels are superimposed, the key pixels are displayed on a transparent second display screen, and the second display screen is superimposed in front of the first display screen displaying the key carrier to achieve the effect.

[0011] The image files are uploaded to the server and the carrier by the user regularly or irregularly.

[0012] The carrier is also provided with an independent ID, and the server needs to verify its ID, then verify its key carrier, and finally verify the key pixel point.

[0013] The carrier is also provided with fingerprint recognition to open the display screen to show the key carrier with key pixels superimposed on it.

[0014] The beneficial effects of the present invention are as follows:

[0015] The carrier only needs to directly or indirectly display the key carrier image file with superimposed key pixels to the server. The carrier does not need to be connected to the Internet or upload or download any information during verification. The server obtains the key pixels from the content of the carrier to obtain key verification and release payment.

[0016] The carrier has a long standby time and the verification process is safe and reliable. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] Figure 1 It is a structural schematic diagram of an implementation mode of the present invention;

[0018] Figure 2 is a schematic structural diagram of the display screen of the present invention;

[0019] Figure 3 It is a schematic diagram of the principle structural framework when the present invention is implemented. DETAILED DESCRIPTION

[0020] The present invention will be further described in detail below in conjunction with the accompanying drawings.

[0021] A wearable payment device includes a wearable carrier 1, a part of which is provided with a circuit board 2 and a display screen 3, the circuit board 2 is provided with an encryption module 4 having the same program as the encryption program part of a server 10, and is used to place a key module 5 having the same attribute image file as the server 10 as a key carrier 6, and key pixel points 7 encrypted by the encryption module 4 and displayed on the display screen 3 are superimposed on the key carrier 6.

[0022] The purpose of image files with the same attributes is to ensure the consistency of the image files as key carriers 6, including all digital attributes of the image files, and to exclude the loss of pixels in the image files due to different digital attributes of the image files, such as file size, image storage format, etc., thereby affecting the verification effect after the key pixel point 7 is superimposed on the image file.

[0023] The implementation principle of the present invention is as follows:

[0024] The carrier 1 can be an object with a display screen 3, such as a bracelet, a bracelet, a necklace, etc. Since the carrier does not need to be connected to the Internet when in use, nor does it need to be connected to the outside world through signals during the payment process, the power consumption is extremely low. With current technology, it is completely possible to standby for several months and frequently use it for a few weeks.

[0025] Furthermore, if the carrier generates electricity through a built-in power generation mechanism, such as a small device that generates electricity by forcing the cutting of magnetic induction lines by limb movement when the user wears it, or by replacing button batteries, circuit boards, and other structures and functions for short-term recording, the carrier can be used continuously without the need for external power supply charging.

[0026] The server side 10 is connected to a verification terminal 9 through a network. The verification terminal 9 is used to identify the key carrier 6 with superimposed key pixel points 7 displayed on the display screen 3 of the carrier 1. That is, when paying, the user places the display screen 1 of the carrier 1 facing the identification area of ​​the verification terminal 9. The verification terminal 9 transmits the key carrier 6 with superimposed key pixel points 7 to the server side 10. The server side 10 is provided with a key carrier 6 file identical to it. The pixels of the image file of the key carrier 6 are first deleted, and the key pixel points 7 remain. The key pixel points 7 are verified and the key is obtained. It is best to verify through a program that it is the same as the key generated by the encryption program of the server side 10. The server side 10 coordinates the agreement between banks to complete the payment, thereby realizing the payment release of the carrier 1.

[0027] The key pixel 7 is dynamically generated by the program according to the time. In order to prevent accidents, the program setting time can be more than 1 day different on the server 10 and the carrier 1. This is mainly because the built-in timing of the carrier 1 is out of sync with the server 10 due to insufficient power, resulting in a time difference between the carrier 1 and the server 10. In this way, if the key corresponding to the key pixel point dynamically generated by the server 10 changes earlier than the key pixel point 7 of the carrier 1, there will be a mismatch and verification cannot be done. The difference span of 1 day is enough to solve this problem. Of course, for security reasons, such as if the carrier 1 is lost, there will be limits and restrictions on payments.

[0028] Furthermore, as an improvement to the implementation method, a cover 8 integrated with the style of the wearable carrier 1 is provided above the display screen 3, and a convex column is provided on the side wall of the display screen 3 below the cover 8, and a spring is provided on the convex column. When the cover is covered on the display screen, the convex column abuts against the circuit board 2 below, so that the display screen 3 is in a screen-off power-saving state.

[0029] In the present invention, the cover 8 makes the wearable carrier 1 look the same as ordinary bracelets, bangles, bracelets, necklaces and other jewelry, has good concealment, and also plays the role of a physical contact switch.

[0030] Furthermore, as an improvement to the implementation method, a distance sensor is provided around the display screen 3, and the distance sensor is connected to the circuit board 2. When the display screen 3 contacts a verification terminal 9, the distance sensor controls the lighting and extinguishing of the display screen 3.

[0031] In the present invention, the distance sensor controls the display screen 3 to light up and display the key carrier 6 superimposed with the key pixel point 7 when the carrier 1 approaches the verification terminal 9, making it very convenient to open the display screen 3 of the carrier 1. In addition, for the key pixel point 7, the key carrier 6 can also be controlled to be displayed separately. Before approaching the verification terminal 9, the distance sensor controls the display screen 3 to first display the key carrier 6 superimposed with the key pixel point 7. When approaching the verification terminal 9, the key carrier 6 of the display screen 3 is controlled to turn off and only the key pixel point 7 is displayed. The turning off mentioned here can be understood as the image switching from the key carrier 6 to the key pixel point 7.

[0032] Further, as an improvement to the implementation method, the carrier 1 is provided with two display screens. When the pixels are superimposed, the key pixel 7 is displayed on a transparent second display screen B, and the second display screen B is superimposed in front of the first display screen A displaying the key carrier 6.

[0033] The second display screen B with the key pixel 7 is turned off first under the control of the distance sensor. After a few seconds, that is, after the verification terminal 9 recognizes the key carrier 6 displayed on the carrier 1 display screen 3, the program communicated with the distance sensor controls the first display screen A to turn off and lights up the second display screen B to display the key pixel for the verification terminal 9 to identify.

[0034] At this time, the verification terminal 9 identifies the key carrier 6 and the key pixel 7 respectively, and then verifies the two separately through the program in the server 10. If the key carriers 6 are different and the key pixel 7 are the same, it cannot pass. Only when both are the same, it can pass.

[0035] Furthermore, as an improvement to the implementation method, the image file is uploaded to the server 10 and the carrier 1 by the user regularly or irregularly.

[0036] Furthermore, as an improvement to the implementation method, the carrier 1 is also provided with an independent ID, and the server 10 needs to verify its ID, then verify its key carrier 6, and finally verify the key pixel point 7.

[0037] In the present invention, the carrier 1 is provided with an independent ID, which can be generated by a program on the key carrier 6 or on the device of the carrier 1. The verification terminal 9 recognizes it when scanning, and then the server 10 performs ID verification. This can add another layer of protection to the original security, and can also reduce a certain load on the server 10.

[0038] Furthermore, as an improvement to the implementation method, the carrier 1 is also provided with fingerprint recognition to open the display screen 3 to display the key carrier 6 on which the key pixels 7 have been superimposed.

Claims

1. A wearable payment device, comprising a wearable carrier, characterized in that: A circuit board and a display screen are placed in a part of the carrier, and an encryption module identical to the encryption program part of the server is arranged in the circuit board, which is used to place a key module that uses an image file identical to the server including all digital attributes as a key carrier, and key pixel points encrypted by the encryption module and displayed on the display screen are superimposed on the key carrier; the key pixel points are dynamically generated by the program according to time, and the program setting time on the server and the carrier differs by more than 1 day, so as to prevent the key corresponding to the key pixel points dynamically generated by the server from changing earlier than the key pixel points of the carrier, thereby causing mismatch and failure to verify; The server is connected to a verification terminal through the network. The verification terminal is used to identify the key carrier with key pixel points superimposed on the carrier display screen. When paying, the carrier display screen faces the identification area of ​​the verification terminal. The verification terminal transmits the key carrier with key pixel points superimposed to the server. The server has a key carrier file identical to the key carrier file. The pixels of the image file of the key carrier are first deleted, and then the remaining key pixel points are verified and the key is obtained. Finally, the program verifies that it is the same as the key generated by the encryption program on the server. The server coordinates the agreement between banks to complete the payment, thereby realizing the payment release of the carrier. A distance sensor is also provided around the display screen, and the distance sensor is connected to the circuit board, and controls the lighting and extinguishing of the display screen when the display screen contacts a verification terminal; The carrier is provided with two display screens. When the pixels are superimposed, the key pixels are displayed on a transparent second display screen, and the second display screen is superimposed in front of the first display screen displaying the key carrier to achieve this; The second display screen with key pixels is turned off first under the control of the distance sensor. After the verification terminal identifies the key carrier displayed on the carrier display screen, the program communicated with the distance sensor controls the first display screen to turn off and lights up the second display screen to display the key pixels for the verification terminal to identify. The verification terminal identifies the key carrier and key pixels respectively, and then verifies the two separately through the program in the server side. Only when the two are the same can they pass.

2. A wearable payment device according to claim 1, characterized in that: A cover integrated with the wearable carrier style is also provided above the display screen. A convex column is provided on the side wall of the display screen below the cover. A spring is provided on the convex column. When the cover is covered on the display screen, the convex column abuts against the circuit board below, so that the display screen is in a screen-off power-saving state.

3. A wearable payment device according to claim 1, characterized in that: The image files are uploaded to the server and the carrier by the user regularly or irregularly.

4. A wearable payment device according to claim 1, characterized in that: The carrier is also provided with an independent ID, and the server needs to verify its ID, then verify its key carrier, and finally verify the key pixel point.

5. A wearable payment device according to claim 1, characterized in that: The carrier is also provided with fingerprint recognition to open the display screen to show the key carrier with key pixels superimposed on it.

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