Safe and convenient payment methods, payment terminals and payment systems

Abstract

The present application discloses a safe and convenient payment method, charging terminal and payment system, which belongs to the field of mobile payment. The method includes: pre-setting a fixed payment area based on UWB; detecting in real time that a mobile terminal has entered the payment area and identifying it as a payment terminal; performing payment authorization and security authentication with the mobile terminal; performing a charging operation on the mobile terminal, or triggering the mobile terminal to perform a payment operation. The charging terminal includes: a UWB module, a detection module, an authentication module and a payment module. The payment system includes: the charging terminal and a mobile terminal. The present application eliminates the risk of malicious copying of graphic codes, and uses the location information provided by UWB to eliminate the risk of remote theft by hackers to the greatest extent; there is no need for users to take out and open their mobile phones to start the APP and aim it at the charging terminal before performing payment operations, thus realizing automatic recognition and payment, and improving the security and convenience of mobile payments.

Description

Technical Field

[0001] The present application relates to the field of mobile payment, and in particular to a safe and convenient payment method, a charging terminal and a payment system. Background Art

[0002] Mobile Internet and AI (Artificial Intelligence) technologies are booming, and mobile payments have become more and more common. At present, the main technologies for mobile payment on mobile terminals include: QR code payment, NFC (Near Field Communication) payment, and face payment. QR code payment is represented by Alipay and WeChat Pay, and has gained a large market space in China. NFC payment is represented by Apple Pay, Huawei Pay, Samsung Pay, Xiaomi Pay, etc., and has also gained certain user support.

[0003] The core focus of mobile payment is security and convenience. In terms of security, QR code payment is less secure because its graphic code is easily copied maliciously and is also vulnerable to other attacks such as Trojans. NFC payment improves security by adding hardware chips, which is safer than QR code, but it can still be cracked. In terms of convenience, QR code payment requires opening WeChat or Alipay APP (application), while NFC requires the phone to be swiped close to the card reader. If the phone is on your body or in a bag, or you are holding something in both hands, you need to take out the phone first, unlock it, open the corresponding APP, and aim it at the toll terminal to pay, which is a bit troublesome and not convenient and fast enough.

[0004] Therefore, whether in terms of security or convenience, there is still room for improvement and enhancement of QR codes and NFC. Summary of the invention

[0005] The purpose of the present application is to overcome the above problems or at least partially solve or alleviate the above problems.

[0006] According to one aspect of the present application, a safe and convenient payment method is provided, comprising:

[0007] Pre-set a fixed payment area based on UWB ultra-wideband;

[0008] Detecting in real time that a mobile terminal has entered the payment area, and identifying the mobile terminal as a payment terminal;

[0009] Perform payment authorization and security authentication with the mobile terminal;

[0010] Perform a charging operation on the mobile terminal, or trigger the mobile terminal to perform a payment operation.

[0011] Optionally, detecting in real time that a mobile terminal enters the payment area and identifying the mobile terminal as a payment terminal includes:

[0012] UWB real-time ranging or positioning is used to detect whether a mobile terminal enters the payment area. If so, the mobile terminal is identified as a payment terminal.

[0013] Optionally, performing payment authorization and security authentication with the mobile terminal includes:

[0014] The UWB link, Bluetooth link or other encrypted data link is used to perform payment authorization and security authentication with the mobile terminal.

[0015] According to another aspect of the present application, a safe and convenient charging terminal is provided, comprising:

[0016] A UWB module configured to pre-set a fixed payment area based on UWB ultra-wideband;

[0017] A detection module configured to detect in real time that a mobile terminal has entered the payment area and identify the mobile terminal as a payment terminal;

[0018] An authentication module configured to perform payment authorization and security authentication with the mobile terminal;

[0019] The payment module is configured to perform a charging operation on the mobile terminal or trigger the mobile terminal to perform a payment operation.

[0020] Optionally, the detection module is specifically configured to:

[0021] UWB real-time ranging or positioning is used to detect whether a mobile terminal enters the payment area. If so, the mobile terminal is identified as a payment terminal.

[0022] Optionally, the authentication module is specifically configured to:

[0023] The UWB link, Bluetooth link or other encrypted data link is used to perform payment authorization and security authentication with the mobile terminal.

[0024] Optionally, the charging terminal is:

[0025] Gate machines, POS terminals or mobile terminals with built-in UWB devices; or,

[0026] A gate or POS terminal equipped with an external UWB accessory; or,

[0027] Proprietary UWB device.

[0028] According to another aspect of the present application, there is provided a safe and convenient payment system, comprising: the safe and convenient charging terminal as described above, and a mobile terminal;

[0029] The mobile terminal comprises:

[0030] A UWB module configured to communicate with the charging terminal based on UWB, and to measure distance or positioning;

[0031] an authentication module configured to perform payment authorization and security authentication with the charging terminal;

[0032] The payment module is configured to perform a payment operation after receiving a notification from the charging terminal.

[0033] Optionally, the authentication module of the mobile terminal is specifically configured as follows:

[0034] The UWB link, Bluetooth link or other encrypted data link is used to perform payment authorization and security authentication with the charging terminal.

[0035] Optionally, the mobile terminal is a mobile phone, a smart bracelet, a smart watch or a smart pendant with a built-in UWB device.

[0036] According to another aspect of the present application, a computing device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable by the processor, wherein the processor implements the method described above when executing the computer program.

[0037] According to another aspect of the present application, a computer-readable storage medium is provided, preferably a non-volatile readable storage medium, which stores a computer program, and the computer program implements the method as described above when executed by a processor.

[0038] According to another aspect of the present application, a computer program product is provided, comprising a computer readable code. When the computer readable code is executed by a computer device, the computer device is caused to execute the above method.

[0039] The above-mentioned technical solution provided by the present application, by pre-setting a payment area with a fixed range based on UWB ultra-wideband, detects in real time that a mobile terminal has entered the payment area, identifies the mobile terminal as a payment terminal, performs payment authorization and security authentication with the mobile terminal, performs charging operations on the mobile terminal, or triggers the mobile terminal to perform payment operations, without the need to use QR codes, eliminating the risk of graphic codes being maliciously copied, and eliminating the need for users to open their mobile phones, start the APP, aim it at the charging terminal, and then perform payment operations, thus omitting a series of cumbersome steps, realizing automatic recognition of payments, and greatly improving the security and convenience of mobile payments.

[0040] In addition, UWB real-time distance measurement or positioning is used to detect whether a mobile terminal has entered the payment area. At the same time, the location information provided by UWB is used to eliminate the risk of remote fraud by hackers to the greatest extent, further improving security and convenience. UWB can bring beneficial changes to both the security and convenience of mobile payments, and some scenarios are very attractive and have great imagination space.

[0041] Based on the detailed description of the specific embodiments of the present application in combination with the accompanying drawings below, those skilled in the art will become more aware of the above and other objects, advantages and features of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] Hereinafter, some specific embodiments of the present application will be described in detail in an exemplary and non-limiting manner with reference to the accompanying drawings. The same reference numerals in the accompanying drawings indicate the same or similar components or parts. It should be understood by those skilled in the art that these drawings are not necessarily drawn to scale. In the accompanying drawings:

[0043] Figure 1 is a flow chart of a safe and convenient payment method according to an embodiment of the present application;

[0044] Figure 2 is a schematic diagram of a payment scenario application according to another embodiment of the present application;

[0045] Figure 3 is a structural diagram of a safe and convenient toll collection terminal according to another embodiment of the present application;

[0046] Figure 4 is a structural diagram of a safe and convenient payment system according to another embodiment of the present application;

[0047] Figure 5 is a schematic diagram of a payment system application according to another embodiment of the present application;

[0048] Figure 6 is a structural diagram of a computing device according to another embodiment of the present application;

[0049] Figure 7 It is a structural diagram of a computer-readable storage medium according to another embodiment of the present application. DETAILED DESCRIPTION

[0050] This application involves UWB (UltraWide-Band) technology, which is recognized by the industry as the radio technology with the highest ranging and positioning accuracy. In a good environment, the ranging accuracy is better than 10cm, and the positioning accuracy is within 30cm. UWB technology can be integrated into mobile terminals such as mobile phones. For example, by using a mobile terminal with built-in UWB devices, a mobile terminal with UWB function can be realized. Using UWB technology, it is not only possible to identify whether the mobile terminal has entered the valid payment area, but also to automatically complete the payment.

[0051] Figure 1 This is a flow chart of a safe and convenient payment method according to an embodiment of the present application. Figure 1 , the method comprising:

[0052] 101: A fixed payment area is pre-set based on UWB ultra-wideband;

[0053] 102: a mobile terminal is detected in real time to enter the payment area, and the mobile terminal is identified as a payment terminal;

[0054] 103: Authorization and security authentication for payment with the mobile terminal;

[0055] 104: Execute a charging operation on the mobile terminal, or trigger the mobile terminal to execute a payment operation.

[0056] In this embodiment, optionally, detecting in real time that a mobile terminal enters a payment area and identifying the mobile terminal as a payment terminal includes:

[0057] UWB real-time ranging or positioning is used to detect whether a mobile terminal has entered the payment area. If so, the mobile terminal is identified as a payment terminal.

[0058] In this embodiment, optionally, performing payment authorization and security authentication with the mobile terminal includes:

[0059] Use UWB link, Bluetooth link or other encrypted data link to authorize and securely authenticate payment with the mobile terminal.

[0060] In this embodiment, the first method, executing the charging operation on the mobile terminal means that the charging terminal directly interacts with the backend server through the network to actively deduct the mobile terminal. The deduction process does not require the participation of the mobile terminal and can be applied to scenarios such as the mobile terminal has no network signal or the network signal is weak. The second method, triggering the mobile terminal to perform the payment operation means that the mobile terminal itself interacts with the backend server through the network without the participation of the charging terminal to complete the active payment.

[0061] Figure 2 is a schematic diagram of a payment scenario application according to another embodiment of the present application. Figure 2, this scene is the toll collection scene at the entrance and exit of the subway. The toll gate is a gate system with UWB function. The user carries a mobile phone that supports UWB technology. When the user walks into the gate, the gate can measure or locate the distance between the mobile phone and the gate in real time based on UWB, so as to determine in real time whether the mobile phone has entered the designated payment area. If it is determined to enter the payment area, the mobile phone is automatically identified as a payment terminal, and the payment authorization and security authentication are performed with it, and then the charging operation is performed on the mobile phone, or the mobile phone is triggered to perform the payment operation. There is no need for the user to take the mobile phone out of his pocket or bag. Even if the mobile phone is already in his hand, he does not need to swipe it on the gate. The user directly approaches the gate, and the gate is automatically opened and the fee is deducted, which is quite convenient and fast.

[0062] The above method provided in this embodiment detects in real time that a mobile terminal has entered the payment area by pre-setting a fixed payment area based on UWB ultra-wideband, identifies the mobile terminal as a payment terminal, performs payment authorization and security authentication with the mobile terminal, performs charging operations on the mobile terminal, or triggers the mobile terminal to perform payment operations. There is no need to use a QR code, which eliminates the risk of malicious copying of graphic codes, and there is no need for users to open their mobile phones to start the APP and aim at the charging terminal to perform payment operations. A series of cumbersome steps are omitted, automatic recognition of payment is achieved, and the security and convenience of mobile payment are greatly improved. In addition, UWB real-time ranging or positioning is used to detect whether a mobile terminal has entered the payment area, and the location information provided by UWB is used to eliminate the risk of remote theft by hackers to the greatest extent, further improving security and convenience.

[0063] Figure 3 FIG. 1 is a structural diagram of a safe and convenient toll collection terminal according to another embodiment of the present application. Figure 3 , the charging terminal comprises:

[0064] The UWB module 301 is configured to pre-set a fixed payment area based on the UWB ultra-wideband;

[0065] A detection module 302, which is configured to detect in real time that a mobile terminal has entered the payment area and identify the mobile terminal as a payment terminal;

[0066] An authentication module 303, which is configured to perform payment authorization and security authentication with the mobile terminal;

[0067] The payment module 304 is configured to perform a charging operation on the mobile terminal, or trigger the mobile terminal to perform a payment operation.

[0068] In this embodiment, optionally, the detection module is specifically configured as follows:

[0069] UWB real-time ranging or positioning is used to detect whether a mobile terminal has entered the payment area. If so, the mobile terminal is identified as a payment terminal.

[0070] In this embodiment, optionally, the authentication module is specifically configured as follows:

[0071] Use UWB link, Bluetooth link or other encrypted data link to authorize and securely authenticate payment with the mobile terminal.

[0072] In this embodiment, optionally, the charging terminal is specifically:

[0073] Gate machines, POS terminals or mobile terminals with built-in UWB devices; or,

[0074] A gate or POS terminal equipped with an external UWB accessory; or,

[0075] Proprietary UWB device.

[0076] The dedicated UWB device may be a UWB base station, etc., without specific limitation.

[0077] The above-mentioned charging terminal provided in this embodiment detects in real time that a mobile terminal has entered the payment area by pre-setting a fixed payment area based on UWB ultra-wideband, identifies the mobile terminal as a payment terminal, performs payment authorization and security authentication with the mobile terminal, performs charging operations on the mobile terminal, or triggers the mobile terminal to perform payment operations, without the need to use QR codes, eliminating the risk of malicious copying of graphic codes, and eliminating the need for users to open their mobile phones, start the APP, and aim it at the charging terminal to perform payment operations, thus omitting a series of cumbersome steps, achieving automatic recognition and payment, and greatly improving the security and convenience of mobile payment. In addition, UWB real-time ranging or positioning is used to detect whether a mobile terminal has entered the payment area, and the location information provided by UWB is used to eliminate the risk of remote theft by hackers to the greatest extent, further improving security and convenience.

[0078] Figure 4 is a structural diagram of a safe and convenient payment system according to another embodiment of the present application. Figure 4 , the payment system comprises: a safe and convenient charging terminal 30 as provided in the above embodiment, and a mobile terminal 40;

[0079] Wherein, the mobile terminal comprises:

[0080] The UWB module 401 is configured to communicate with the charging terminal based on UWB, and to measure distance or positioning;

[0081] An authentication module 402 configured to perform payment authorization and security authentication with a payment terminal;

[0082] The payment module 403 is configured to perform a payment operation after receiving a notification from the charging terminal.

[0083] In this embodiment, optionally, the authentication module 402 of the mobile terminal is specifically configured as follows:

[0084] Use UWB link, Bluetooth link or other encrypted data link to conduct payment authorization and security authentication with the charging terminal.

[0085] In this embodiment, optionally, the mobile terminal is a mobile phone, a smart bracelet, a smart watch or a smart pendant with a built-in UWB device.

[0086] Figure 5 is a schematic diagram of a payment system application according to another embodiment of the present application. Figure 5 The system includes a UWB mobile terminal and a UWB toll terminal. The UWB toll terminal can be a UWB gate, a UWB POS machine, a UWB mobile terminal or other proprietary UWB devices. Whether it is a mobile terminal or a toll terminal, UWB can be in the form of an external accessory or a built-in device, and the specific details are not limited. The UWB toll terminal performs ranging or positioning based on UWB, so as to detect that the UWB mobile terminal enters the payment area, and then executes the charging operation or triggers the mobile terminal to pay.

[0087] The above system provided in this embodiment detects in real time that a mobile terminal has entered the payment area by pre-setting a fixed payment area based on UWB ultra-wideband, identifies the mobile terminal as a payment terminal, performs payment authorization and security authentication with the mobile terminal, performs charging operations on the mobile terminal, or triggers the mobile terminal to perform payment operations, without the need to use QR codes, eliminating the risk of malicious copying of graphic codes, and eliminating the need for users to open their mobile phones, start the APP, aim at the charging terminal, and then perform payment operations, omitting a series of cumbersome steps, realizing automatic recognition and payment, and greatly improving the security and convenience of mobile payment. In addition, UWB real-time ranging or positioning is used to detect whether a mobile terminal has entered the payment area, and the location information provided by UWB is used to eliminate the risk of remote theft by hackers to the greatest extent, further improving security and convenience.

[0088] Based on the detailed description of the specific embodiments of the present application in combination with the accompanying drawings below, those skilled in the art will become more aware of the above and other objects, advantages and features of the present application.

[0089] The present application also provides a computing device, referring to Figure 6The computing device includes a memory 1120, a processor 1110, and a computer program stored in the memory 1120 and executable by the processor 1110. The computer program is stored in a space 1130 for program code in the memory 1120. When the computer program is executed by the processor 1110, it is implemented to execute any one of the method steps 1131 according to the present invention.

[0090] The present application also provides a computer-readable storage medium. Figure 7 The computer-readable storage medium comprises a storage unit for program code, the storage unit being provided with a program 1131 ′ for executing the method steps according to the present invention, the program being executed by a processor.

[0091] The embodiment of the present application further provides a computer program product including instructions. When the computer program product is run on a computer, the computer is caused to execute the method steps according to the present invention.

[0092] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer loads and executes the computer program instructions, the process or function described in the embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer instructions can be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, the computer instructions can be transmitted from a website site, computer, server or data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode to another website site, computer, server or data center. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that includes one or more available media integration. The available medium can be a magnetic medium, (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a solid-state hard disk Solid State Disk (SSD)), etc.

[0093] The professionals should also be further aware that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented with electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0094] A person skilled in the art can understand that all or part of the steps in the above-mentioned embodiment method can be completed by instructing a processor through a program, and the program can be stored in a computer-readable storage medium, and the storage medium is a non-transitory medium, such as a random access memory, a read-only memory, a flash memory, a hard disk, a solid-state drive, a magnetic tape, a floppy disk, an optical disc, and any combination thereof.

[0095] The above is only a preferred specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any changes or substitutions that can be easily thought of by a person skilled in the art within the technical scope disclosed in the present application should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

Claims

1. A safe and convenient payment method, including: Pre-set a fixed payment area based on UWB ultra-wideband; Detecting in real time that a mobile terminal has entered the payment area, and identifying the mobile terminal as a payment terminal; Perform payment authorization and security authentication with the mobile terminal; Performing a charging operation on the mobile terminal, or triggering the mobile terminal to perform a payment operation; Detecting in real time that a mobile terminal enters the payment area and identifying the mobile terminal as a payment terminal includes: UWB real-time ranging or positioning is used to detect whether a mobile terminal enters the payment area. If so, the mobile terminal is identified as a payment terminal.

2. The method according to claim 1, characterized in that Authorization and security authentication for payment with the mobile terminal include: The UWB link or the Bluetooth link is used to perform payment authorization and security authentication with the mobile terminal.

3. A safe and convenient toll collection terminal, comprising: A UWB module configured to pre-set a fixed payment area based on UWB ultra-wideband; A detection module configured to detect in real time that a mobile terminal has entered the payment area and identify the mobile terminal as a payment terminal; An authentication module configured to perform payment authorization and security authentication with the mobile terminal; a payment module configured to perform a charging operation on the mobile terminal or trigger the mobile terminal to perform a payment operation; The detection module is specifically configured as follows: UWB real-time ranging or positioning is used to detect whether a mobile terminal enters the payment area. If so, the mobile terminal is identified as a payment terminal.

4. The charging terminal according to claim 3, characterized in that: The authentication module is specifically configured as follows: The UWB link or the Bluetooth link is used to perform payment authorization and security authentication with the mobile terminal.

5. The charging terminal according to any one of claims 3-4, characterized in that: The charging terminal is: Gate machines, POS terminals or mobile terminals with built-in UWB devices; or, A gate or POS terminal equipped with an external UWB accessory; or, Proprietary UWB device.

6. A safe and convenient payment system, comprising: A safe and convenient toll collection terminal and a mobile terminal as claimed in any one of claims 3 to 5; The mobile terminal comprises: A UWB module configured to communicate with the charging terminal based on UWB, and to measure distance or positioning; an authentication module configured to perform payment authorization and security authentication with the charging terminal; The payment module is configured to perform a payment operation after receiving a notification from the charging terminal.

7. The system according to claim 6, characterized in that The authentication module of the mobile terminal is specifically configured as follows: The UWB link or the Bluetooth link is used to perform payment authorization and security authentication with the charging terminal.

8. The system according to claim 6, characterized in that The mobile terminal is a mobile phone, smart bracelet, smart watch or smart pendant with a built-in UWB device.

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