A tag, terminal and mobile device with transaction function

Abstract

The present invention relates to a tag, terminal and mobile device with transaction functions, wherein the tag is configured to receive a light signal sent by a transaction party through a first photosensitive area and to power the tag, and to reflect and modulate the light signal in a second photosensitive area. Through this setting, the present invention can reliably detect the light signal sent by the transaction party during the process of collecting energy in the first photosensitive area. It also ensures that the user must operate on site. At the same time, this communication method of reflecting the same light signal not only makes the two-way communication between the tag and the read-write unit a closed-loop interaction, but also has a high degree of spatial orientation, thereby ensuring that the information is not intercepted, further increasing security. In addition, the highly spatially oriented characteristics of the reflection can ensure that multiple people can quickly select goods for payment at the same time. This parallel characteristic is particularly suitable for use scenarios that require improved efficiency, such as unmanned supermarkets during peak hours.

Description

Technical Field

[0001] The present invention belongs to the technical field of mobile payment, and in particular relates to a label, a terminal, a mobile device and a payment method with transaction functions. Background Art

[0002] Mobile payment is also called mobile money, mobile transfer or mobile wallet. Instead of using cash, checks and credit cards, consumers use mobile phones to pay for various goods and services. Mobile payment generally refers to the completion of various transaction activities through mobile devices under financial supervision. Mobile devices are used as carriers to realize commercial transactions through mobile communication networks. Mobile devices can be mobile phones, PDAs, IPADs, mobile PCs, etc. With the rapid development of the Internet, mobile payment, as a new payment method in the existing payment system, has gradually replaced cash payment and quickly penetrated into every corner of life. For example, mobile payment can be used to pay for living expenses such as phone bills, gas, water and electricity, and can also be used to purchase goods and food through mobile payment, and can also be used for daily life and travel.

[0003] There are many ways to implement mobile payment, including additional wireless payment operations based on short message interaction, direct wireless payment via mobile phone, wireless payment via mobile phone login to a web page, contactless mobile payment, etc.

[0004] Contactless mobile payment generally includes QR code (Quick Response, QR) code payment, ultrasonic payment, payment based on Near Field Communication (Near Field Communication, NFC) technology, payment based on Radio Frequency Identification (Radio Frequency Identification, RFID) technology, etc.

[0005] QR codes can store richer information compared to barcodes, including encryption of text, URL addresses, and other types of data. QR codes are square-shaped and only come in black and white. In three of the four corners, there are smaller square patterns like the Chinese character "回" printed on them. These three square patterns are used to help the decoding software locate the QR code. Since it no longer works in the way of linear scanning but uses a camera enhanced by infrared light to directly identify the QR code image in the image captured by the lens through software, the requirement for the reflection angle is reduced. QR code scanners can even "scan (identify)" the barcodes displayed on the liquid crystal screen (but it is easy to be affected by the reflection of the built-in infrared light source on the screen when vertically above the barcode on the screen), so it is possible to directly scan the barcodes displayed on the screens of mobile phones, etc. Users do not need to align precisely, and the data can still be correctly read no matter at what angle it is scanned. The QR code scanning method is currently the main form used in mobile payments. For example, in the case of active QR code scanning payment by the terminal, that is, the terminal camera scans the QR code on the commodity or settlement statement, automatically displays the amount to be paid or manually enters the amount to be paid, and then completes the payment through the terminal network. Another example is passive QR code scanning payment by the terminal, that is, the terminal displays a QR code that can represent the user's identity, and a dedicated scanning gun scans this QR code to automatically complete the settlement with the help of the settlement software.

[0006] The payment logic of sound wave payment is that the terminal emits sound waves carrying identity information and payment amount information, and the other terminal or cash register device, etc., receives the information and completes the payment. In addition, in this application scenario, it is also possible for the cash register device to emit corresponding sound waves and be received by the terminal to complete the payment.

[0007] The payment logics based on NFC or RFID payment are similar. They both involve bringing a terminal with an NFC chip or an RFID chip close to a commodity or a charging device containing an NFC tag or an RFID tag, reading the commodity or service identifier in the tag, and completing the payment through the terminal network.

[0008] However, whether it is NFC or RFID technology, the mobile payment scenarios they support are limited and the scalability is poor. More importantly, the wireless channel resources used by NFC and RFID both belong to diffuse reflection fading channels. Therefore, the risk that the information transmitted in the channel is intercepted and stolen cannot be ignored, thus threatening the security of mobile payment. For the QR code payment logic, there is a risk that the QR code is secretly scanned or replaced by an illegal collection device during the actual operation of passive QR code payment, and the security of its mobile payment remains doubtful. For sound wave payment, the problems of difficult connection and long connection time in specific application scenarios restrict the possibility of its wide use.

[0009] For example, a Chinese patent document with publication number CN110889692A discloses a mobile payment method and electronic device, the method comprising: in response to a payment code opening instruction, shielding the payment code on the electronic device; acquiring an image of the payment environment of the electronic device; determining whether the payment environment is safe based on the image of the payment environment; if the payment environment is determined to be safe, displaying the payment code to make payment. The technical solution disclosed in this patent document is mainly used to solve the problem of illegal deductions caused by the QR code being secretly scanned by an illegal payment device in a passive payment mode based on scanning QR codes. However, the reliability of the mobile payment solution disclosed in this patent is still questionable. Specifically, the defects of payment based on scanning QR codes are mainly the following two points:

[0010] 1. The hidden danger of active scanning of QR codes (customers scanning merchants) is that the merchant's QR code can be forged and replaced, which is not easy for customers to detect;

[0011] 2. The hidden danger of passive scanning of QR codes (merchants scanning customers) is that third-party scanning devices scan customer payment codes before merchants, resulting in funds being stolen.

[0012] The solution of this patent is to judge whether the payment is safe based on the payment environment image based on the original logic, thereby improving the security of the QR code-based payment model. However, the reliability of this method is still questionable, and the problems are as follows:

[0013] 1. The standard of payment environment security is uncertain. There are many light sources in the current payment environment, such as indoor lighting, daytime sunlight and other natural light sources. In such a complex environment, light sources with strong light intensity will cause serious interference.

[0014] 2. If you use a telephoto lens to shoot from a distance outside the field of view of an electronic device or human eye, and scan the QR code before the merchant or customer does, it will not be captured and recognized.

[0015] Therefore, based on the above reasons, the technical solution disclosed in this patent does not solve the problem of low security based on the QR code payment model.

[0016] In the era of mobile Internet, the concept of mobile payment has been popularized to all age groups. Mobile payment has enriched the payment scenarios and has become the most commonly used payment method after bank cards and cash. As the main carrier of mobile payment, mobile phones have completed most of the mobile payment functions. However, under the complex Internet security situation, more and more criminals have taken advantage of the hidden security risks of existing mobile payments, such as unsafe networks, malicious software, and existing security vulnerabilities, to make illegal profits, making the security situation of mobile payment increasingly severe.

[0017] Visible light communication technology (VLC) has abundant bandwidth resources and does not require spectrum bandwidth usage fees. Visible light communication does not produce electronic pollution like RF transmission technologies such as NFC and RFID. More importantly, when visible light communication is used as an effective supplement to the existing wireless communication system, it will not cause any electromagnetic interference to the current RF communication-based devices. Therefore, VLC is a safer means of communication and is more suitable for applications such as mobile payment that are naturally sensitive to security. VLC technology refers to a communication method that uses light in the visible light band as an information carrier, does not use the transmission medium of wired channels such as optical fibers, and directly transmits optical signals in the air. Compared with communication technologies based on radio signals such as Wi-Fi, Bluetooth, cellular networks, and radio frequency, visible light communication technology has natural advantages such as less signal interference, anti-eavesdropping, and large available bandwidth. The most common visible light communication technology is based on the fast switching modulation of light emitting diodes (LEDs) as the basic unit of the signal source. The signal source is provided by the lighting facilities equipped in the mobile device, and finally the information carried in the optical signal is received and demodulated by photoelectric conversion devices such as photodiodes. Based on the above characteristics and working principles, visible light communication can play a significant role in applications based on IoT technology, especially in application scenarios such as mobile payment and IoT device identity authentication.

[0018] For example, a Chinese patent document with publication number CN105657187A discloses a visible light communication method, device and system, which can obtain images of a visible light signal receiving end and its surroundings through a camera device of a handheld terminal, and dynamically display the obtained image on the display screen of the handheld terminal, so that a user can adjust the distance and relative position between the light-emitting device of the handheld terminal and the visible light signal receiving end according to the image displayed on the display screen; wherein the image obtained by the camera device changes with the change of the distance and relative position between the handheld terminal and the visible light signal receiving end; if a visible light sending instruction issued by the user according to the image displayed on the display screen is received, a visible light signal is sent to the visible light signal receiving end through the light-emitting device.

[0019] There have been a lot of related research on mobile payment systems for visible light communication. For example, the Chinese patent document with publication number CN103116846A discloses a user device, payment terminal, system and method for payment based on visible light communication. The user device includes a payment information storage unit and a visible light emitting unit. The payment information storage unit is used to store payment information related to the user identity or account. The visible light emitting unit includes a coding and modulation module for encoding and modulating information, a light source and a light source driving module for driving the light source to emit light according to the modulated information. The user device also includes a control unit for activating the visible light emitting unit to send the payment information to the payment terminal. In visible light communication, the optical signal is only confined to the illuminated area, and once the propagation path is blocked, the communication will be interrupted, so it is difficult to intercept and steal the optical signal transmitted by VLC, that is, due to the spatial directional characteristics of optical signal transmission, VLC has better data security characteristics than NFC, RFID and other technologies, and users can see where the data is going without worrying about being stolen. However, payment terminal devices not only receive optical signals with payment information, but also receive a large amount of background light noise signals. Although a large amount of background light noise signals outside the effective receiving bandwidth can be filtered out by a bandpass filter, the background light noise within the effective receiving bandwidth still needs to be resolved to improve the reliability of mobile payment system communication.

[0020] For example, a Chinese patent document with publication number CN106779679A discloses a mobile payment system based on visible light communication, including an electronic device and a payment terminal device connected by visible light communication, and a transaction center system connected to the payment terminal device, wherein the payment terminal device is provided with an optical signal detection area, and the payment terminal device is also provided with a background light noise detection area for collecting background light noise; the background light noise detection area detects the background light noise, and the payment terminal device removes the background light noise from the visible light signal detected by the optical signal detection area to obtain a target visible light signal, and restores the payment information sent by the electronic device from the target visible light signal, and then transmits the payment information to the transaction center system. Compared with the prior art, the technical solution disclosed in this patent is mainly to remove the background light noise signal at the receiving end by setting the shape of the optical signal detection area, the position shape of the bandpass filter, and the corresponding algorithm to obtain the target light noise signal. The key technology disclosed in this patent document is how to remove the background light noise signal within the effective bandwidth, but it only uses the background light noise detected in the background light noise detection area as the background light noise signal within the effective bandwidth, and uses additive Gaussian white noise to model, that is, subtracting the background light noise signal is equivalent to removing the background light noise signal within the effective bandwidth. This technical means is a conventional technical means. More importantly, this improvement scheme requires the deployment of high-power electrical equipment at the receiving end to perform detection, filtering, encoding, modulation, and emission of optical signals, etc., which solves the problem by complicating the functions of the equipment, increasing the cost and power consumption of the equipment, requiring timely charging, making the equipment mobility poor, and increasing the difficulty of deployment.

[0021] For example, a Chinese patent document with publication number CN106204020A discloses a mobile payment method and a smart terminal, the mobile payment method comprising: the smart terminal receives an optical pulse signal emitted by a visible light wireless communication Li-Fi signal source; wherein the optical pulse signal includes merchant payment information; the optical pulse signal is parsed to obtain the merchant payment information; a user's payment operation instruction is received, and payment is made according to the merchant payment information.

[0022] For example, the Chinese patent document with publication number CN105550862A discloses a mobile payment identity authentication method, an authentication terminal and a payment terminal. The mobile payment authentication method includes the following steps:

[0023] The payment terminal initiates a payment authentication request according to the user's payment instruction;

[0024] The payment terminal establishes a connection with the authentication terminal through visible light communication, and sends request information corresponding to the payment authentication request to the authentication terminal;

[0025] The authentication terminal obtains identity authentication information corresponding to the payment authentication request according to the request information;

[0026] The payment terminal reads the identity authentication information from the authentication terminal and completes the payment according to the identity authentication information.

[0027] For example, a Chinese patent document with publication number CN103490812B discloses a mobile phone near-field communication system and method based on visible light for close-range wireless communication. In the system disclosed in the patent, the transmitting end is arranged on a mobile device with a luminous screen and a light sensor, including a coding module and a rate adaptive mechanism module; the receiving end has an LED, including a light sensor array, a signal adjustment module, a decoding module and a feedback module. The coding module encodes the data into a brightness level sequence and sends it out through an optical signal. The receiving end collects the optical signal, performs signal adjustment and decoding, obtains the decoded data, and feeds back the data block signal that needs to be retransmitted and the signal for adjusting the number of brightness levels to the transmitting end through the feedback module. The transmitting end controls the retransmission of data blocks and adjusts the number of brightness levels through the rate adaptive mechanism module. The technical solution disclosed in the patent is low-cost, easy to use, safer, does not require the addition of additional hardware, and can realize near-field communication functions such as mobile payment, device pairing, and data exchange between mobile phones.

[0028] For example, the Chinese patent document with publication number CN104850988B discloses a mobile payment system, method and related equipment, the payment system includes a handheld terminal with a light-emitting element, a visible light signal receiving end and a payment settlement system, wherein: the handheld terminal is used to receive a payment operation instruction, and according to the received payment operation instruction, the interactive information required in the mobile payment process is converted into a visible light signal by controlling the lighting or extinguishing of the light-emitting element; wherein the interactive information includes the identity authentication information required in the mobile payment process; the visible light signal receiving end is used to receive the visible light signal emitted by the light-emitting element and convert the visible light signal into a level signal; the payment settlement system is used to obtain the interactive information according to the level signal, and perform corresponding payment services according to the acquired interactive information; wherein the visible light signal receiving end is specifically used to convert the visible light signal emitted by the light-emitting element into a level signal according to the brightness difference between the light signal brightness at the center position of the uneven light field formed by the light-emitting element on the surface of the visible light signal receiving end and the light signal brightness at the edge position of the uneven light field.

[0029] For example, a Chinese patent document with publication number CN107545427A discloses an optical QR code payment device, system and method, wherein the payment device includes a display screen, an LED backlight panel, a light sensor and a processor, wherein the display screen is used to instantly display the QR code; the LED backlight panel is used to send a visible light signal corresponding to the QR code verification data; the light sensor is used to receive payment identity information sent by the payer through visible light; the processor is electrically connected to the display screen, the LED backlight panel and the light sensor, the processor sends the QR code to the display screen for display and encrypts the valid data embedded in the QR code using the MD5 algorithm, uses CRC to check the encrypted data to obtain the corresponding check bit, then Manchester encodes the check bit to obtain the encoded check data, and drives the LED backlight panel to emit visible light, and sends the encoded check data through visible light. The payment logic of the optical QR code payment device disclosed in this patent is to realize mobile payment through dual authentication of QR code and visible light signal with verification data. Although this technical solution reduces the risk of QR code being copied and forged to some extent, VLC payment itself can reduce security risks. This dual authentication method is not only not conducive to the convenience of mobile payment and increases the hardware cost of user equipment, but its dual verification method also increases the verification time, resulting in low payment efficiency.

[0030] The payment logic of mobile payment based on VLC disclosed in the above patent documents is that one party of the transaction uses the optical signal emitted by the terminal to transmit the identity information and / or transaction information to the terminal of the other party for authentication, and it is necessary to complete the authentication, transaction payment and other services on the server or cloud. VLC only plays a simple one-way transmission of identity information and / or transaction information, and at least one party's terminal needs to be connected to the server or cloud through the network. Moreover, the VLC communication technology disclosed in the above patents is based on the mode of actively transmitting optical signals. Therefore, in order to further improve security, privacy, and anti-interference capabilities, it is necessary to establish two-way communication, resulting in the need for both parties of the transaction to be equipped with optical signal transmitters. As a result, the terminals used by both parties of the transaction have high power consumption and need to be charged in time, which further increases the cost and reduces the portability of the equipment. This is a fatal defect for the current trend of miniaturization, low cost and convenience of the Internet of Things and mobile payment systems.

[0031] In addition, on the one hand, there are differences in understanding among those skilled in the art; on the other hand, the inventor studied a large number of documents and patents when making the present invention, but due to space limitations, not all details and contents are listed in detail. However, this does not mean that the present invention does not have the characteristics of these prior arts. On the contrary, the present invention already has all the characteristics of the prior art, and the applicant reserves the right to add relevant prior art to the background technology. Summary of the invention

[0032] In view of the problem that the existing VLC-based mobile payment system adopts the method of actively sending optical signals for information interaction authentication, resulting in high hardware cost, large size, high power consumption, and poor mobility of the corresponding terminal, which is not conducive to deployment, the present invention provides an optical payment system based on reflective visible light communication, which at least includes a tag and a read-write unit. The read-write unit is connected to a server to complete the payment logic. The tag is configured to: receive the optical signal including at least transaction information sent by the read-write unit through the first photosensitive area and power the tag, and modulate the optical signal in the process of reflecting the optical signal to the read-write unit in the second photosensitive area to transmit authentication information for authenticating the transaction information and / or local information including at least commodity information. In the application scenario of mobile payment, in the process of realizing payment authentication and completing payment logic through two-way communication, two important aspects of convenience and security of payment of both parties to the transaction are involved. In the present invention, the second photosensitive area can realize reflection, and the reflection can reflect the light back to the light source along the incident path. This reflection can automatically realize the precise mutual pointing of all light beams. The direction of light emission is independent of the direction of light incidence. Even if one or both ends of the communication may move, the tag can return the light along the original incident path, and the tag does not need to be perpendicular to the incident direction of the light. Since the tag works by reflecting the light signal back to the read-write unit, the tag does not need to deploy a light-emitting device. Compared with the existing visible light payment system that requires both parties to configure light-emitting devices, it can significantly reduce power consumption and cost. The tag can collect energy by receiving the light signal, so that the energy collected by the first photosensitive area can be used to power the entire tag on the basis of reducing power consumption, thereby realizing the miniaturization of the tag. On the basis of not requiring additional power supply or timely charging, the mobility and deployability of the tag can be improved. It is especially suitable for mobile payment, which requires large-scale deployment. One party to the transaction can use the flash of the mobile phone to send a light signal as a read-write unit. It only needs to aim the flash at the tag of the other party to the transaction to realize mobile payment, thereby significantly improving the convenience of mobile payment operation. Compared with QR code scanning payment, the elderly can also use it smoothly. On the other hand, the tag works by reflecting the light signal back to the read-write unit, which requires the user to send the light signal through the read-write unit or the light-emitting unit, ensuring that the user must operate on site. At the same time, this communication method of reflecting the same light signal not only makes the two-way communication between the tag and the read-write unit a closed-loop interaction, but also has a high degree of spatial directional characteristics, thereby ensuring that the information is not intercepted, further increasing security. More importantly, compared to mobile payment systems that actively send visible light, the tag only plays the role of merchant identity authentication and transmits some local information, such as product number, price and other product information. Therefore, the tag does not need to be connected to the Internet, and the subsequent payment logic can be transmitted by the read-write unit to the server and completed through the server.In addition, the highly spatially oriented characteristics of reflection can ensure that multiple people can quickly select goods for payment at the same time. For example, the read-write units of multiple mobile devices connect to the tags by sending optical signals to obtain information such as the product number. The calculation can be completed by the local read-write unit, and the payment logic can be completed by the server. This parallel feature is especially suitable for use scenarios that require improved efficiency, such as peak hours in unmanned supermarkets.

[0033] Preferably, the tag is configured to periodically switch between a first state for collecting light signal energy to power the tag and a second state for detecting the light signal sent by the read-write unit based on a first frequency. The read-write unit is configured to at least send a first light signal for waking up the tag to enter the second state and a second light signal for carrying the transaction information. In the process of the tag collecting energy by receiving light signals to achieve self-powering, it is necessary to timely and reliably capture the first light signal sent by the read-write unit to achieve communication with the read-write unit. The tag can realize photoelectric conversion to power itself by deploying solar panels. Although the prior art uses capacitors connected to solar panels, the characteristics of the capacitors that block direct current and pass alternating current are used to filter out the first light signal sent by the read-write unit. However, in fact, the waveform of the optical signal sent by the read-write unit is not in the form of an AC signal, but is modulated by binary amplitude shift keying OOK and presents a pulse signal; further, the optical signal received by the tag also includes the optical signal sent by the surrounding environment, such as the lighting signal sent by the lighting facilities, the background light signal generated by the sunlight, etc. These optical signals are in the form of slow fluctuations over time near a fixed amplitude. Therefore, the waveform of the optical signal received by the first photosensitive area is the superposition of the waveform of the first optical signal and the waveform of the ambient light signal, and the waveform presented cannot be in the form of an AC signal. Although the waveform can be converted into the form of an AC signal through a series of electronic circuits, this will undoubtedly complicate the hardware design of the system, and the added electronic circuit-related devices will also increase the cost and power consumption of the system, thereby hindering the miniaturization of the tag. More importantly, the energy received by the solar panel cannot meet the power consumption of the entire tag, resulting in the tag being unable to work without power. Therefore, it is impossible to detect the optical signal while collecting the energy of the optical signal using a solar panel. In summary, the present invention samples the waveform of the optical signal received by the first photosensitive area approximately periodically based on the first frequency, so that the first state of the tag power supply and the second state of detecting the optical signal sent by the read-write unit can be isolated from each other, and according to the Nyquist theorem, the first optical signal can also be detected when the first frequency is greater than twice the frequency of the first optical signal sent by the read-write unit, so the first photosensitive area can also reliably detect the first optical signal sent by the read-write unit in intermittent short time intervals. Furthermore, on the one hand, the tag demodulates the second optical signal sent by the read-write unit that includes at least transaction information only after being awakened by the first optical signal, and is in the listening state for most of the rest of the time; on the other hand, in the listening state, the tag samples the waveform of the optical signal of the first photosensitive area at the first frequency, that is, the time the tag is in the second state is much less than the time in the first state, so that the tag has enough time to collect energy, and thus can power the tag.

[0034] According to a preferred embodiment, the tag is configured to: generate the first frequency based on the frequency of the first light signal, internal circuit parameters, and specifications of the first photosensitive area and the second photosensitive area; generate a pulse sequence based on the first frequency; and control the conversion between the first state and the second state based on the pulse sequence.

[0035] According to a preferred embodiment, the tag at least includes an energy storage unit, a signal detection unit and a first control unit. The energy storage unit is connected to the first photosensitive area and supplies power to the signal detection unit, the first control unit and the second photosensitive area. The signal detection unit is configured to convert the light signal received by the first photosensitive area into a digital signal and transmit it to the first control unit. The first control unit is configured to periodically convert the first state and the second state based on a pulse sequence generated based on a first frequency and decode the digital signal transmitted by the signal detection unit. In the process of modulating the light signal, a drive signal is generated based on authentication information for authenticating the transaction information and / or local information at least including commodity information and transmitted to the second photosensitive area.

[0036] According to a preferred embodiment, the second photosensitive area includes at least a light modulation unit and a reflection unit. The reflection unit is configured to reflect the light signal that penetrates the modulation unit to the read-write unit in a manner of penetrating the modulation unit again. The light modulation unit is configured to change the polarization direction of the light signal based on the driving signal transmitted by the first control unit, thereby realizing the light and dark change of the light signal.

[0037] According to a preferred embodiment, the read / write unit at least includes an optical unit, a modulation and demodulation unit, a second control unit and a light emitting unit. The second control unit is configured to generate modulation information based on the transaction information and transmit it to the modulation and demodulation unit. The modulation and demodulation unit is configured to drive the light emitting unit to send a first optical signal and a second optical signal including at least transaction information based on the modulation information. The modulation and demodulation unit demodulates the electrical signal transmitted by the optical unit and transmits it to the second control unit. The optical unit is used to receive the optical signal reflected by the tag and convert the optical signal into an electrical signal.

[0038] The present invention also provides an optical payment terminal based on reflective visible light communication, comprising at least a tag. The tag is configured to: receive an optical signal including at least transaction information sent by a transaction party through a first photosensitive area and power the tag, and modulate the optical signal in the process of reflecting the optical signal to the transaction party in a second photosensitive area to transmit authentication information authenticating the transaction information and / or local information including at least commodity information. The transaction party completes the payment logic by connecting to a server.

[0039] The present invention also provides an optical payment terminal based on reflective visible light communication, which at least includes a tag deployed at a mobile device with a light-emitting unit. The tag is configured to: receive an optical signal including at least transaction information sent by a transaction party through a first photosensitive area and power the tag. Or the tag is powered by connecting to the mobile device. The tag is configured to modulate the optical signal in the process of reflecting the optical signal to the transaction party in the second photosensitive area to transmit authentication information for authenticating the transaction information and / or local information including at least commodity information. Or the tag is configured to complete the payment logic by connecting with a server through the mobile device after authenticating the transaction information, and modulate the optical signal in the process of reflecting the optical signal to the transaction party in the second photosensitive area to transmit the payment logic information. Or the tag can actively send the authentication information, local information, payment logic information and / or transaction information through the light-emitting unit.

[0040] According to a preferred embodiment, the light-emitting unit at least includes one or more light-emitting devices in the mobile device for assisting photography and / or videography, or one or more light-emitting devices independent of the mobile device and dedicated to emitting visible light signals.

[0041] The present invention also provides an optical payment method based on reflective visible light communication, the method comprising: the tag receives an optical signal including at least transaction information sent by the transaction party through a first photosensitive area and supplies energy to the tag, and modulates the optical signal in the process of reflecting the optical signal to the transaction party in a second photosensitive area to transmit authentication information authenticating the transaction information and / or local information including at least commodity information. The transaction party completes the payment logic.

[0042] According to a preferred embodiment, the method further comprises: the tag periodically switches, based on the first frequency, between a first state for collecting optical signal energy to power the tag and a second state for detecting an optical signal sent by a transaction party.

[0043] The present invention provides a terminal with a payment function, which at least comprises a tag. The tag is configured to: receive a light signal sent by a transaction party through a first photosensitive area and supply energy to the tag, and reflect and modulate the light signal in a second photosensitive area.

[0044] The present invention provides a tag with a transaction function. The tag is configured to switch from a first state of collecting energy to a second state for detecting an optical signal sent by a transaction party, and to reflect and modulate the optical signal.

[0045] The present invention provides a tag with a transaction function, wherein the tag is configured to receive an optical signal sent by a transaction party by switching between a first state for collecting energy and a second state for detecting an optical signal, and to reflect and modulate the optical signal.

[0046] The present invention provides a tag with a transaction function. The tag is configured to receive a light signal sent by a transaction party by controlling the switching between a first state for collecting energy and a second state for detecting light signals in a first photosensitive area.

[0047] According to a preferred embodiment, the tag can be deployed at a device having a light emitting unit, and the tag is powered by connecting to the device, and the light signal is modulated in the process of the second photosensitive area reflecting the light signal to the transaction party.

[0048] Preferably, the modulation of the optical signal can transmit authentication information for authenticating the transaction information and / or local information at least including commodity information. Alternatively, the payment logic is completed by connecting the device to the server after authenticating the transaction information. The optical signal is modulated to transmit the payment logic information during the process of reflecting the optical signal to the transaction party in the second photosensitive area. Alternatively, one or more of the authentication information, local information, payment logic information, and transaction information are actively sent by the light-emitting unit.

[0049] The present invention provides a system with payment function, comprising at least a tag and a read / write unit. The tag is configured to: receive a light signal sent by the read / write unit through a first photosensitive area and power the tag, and modulate the light signal in the process of reflecting the light signal to the read / write unit in a second photosensitive area.

[0050] The present invention provides a system with transaction function, comprising a tag and a read / write unit. The tag is configured to: switch from a first state of collecting energy to a second state for detecting the optical signal based on an optical signal sent by the read / write unit, and reflect and modulate the optical signal.

[0051] The present invention provides a system with transaction function, which at least comprises a tag and a read / write unit. The tag is configured to receive an optical signal sent by the read / write unit by switching between a first state for collecting energy and a second state for detecting an optical signal, and to reflect and modulate the optical signal.

[0052] The present invention provides a system with transaction function, including a tag and a read-write unit. The tag is configured to receive a light signal sent by the read-write unit and supply energy to the tag by controlling the switching between a first state of collecting energy and a second state for detecting light signals in a first photosensitive area.

[0053] According to a preferred embodiment, the tag can be deployed at a device having a light-emitting unit, and the tag is powered by connecting to the device.

[0054] According to a preferred embodiment, the read / write unit is configured to send at least a first optical signal for waking up the tag to enter the second state and a second optical signal for carrying information.

[0055] According to a preferred embodiment, the tag is configured as follows:

[0056] A first frequency is generated based on the frequency of the first light signal, internal circuit parameters, and specifications of the first photosensitive area and the second photosensitive area, a pulse sequence is generated based on the first frequency, and a conversion between the first state and the second state is controlled based on the pulse sequence.

[0057] According to a preferred embodiment, the read / write unit at least includes an optical unit, a modulation and demodulation unit, a second control unit and a light emitting unit. The second control unit is configured to generate modulation information and transmit it to the modulation and demodulation unit. The modulation and demodulation unit drives the light emitting unit to send a first optical signal and a second signal based on the modulation information. The modulation and demodulation unit demodulates the electrical signal transmitted by the optical unit and transmits it to the second control unit. The optical unit is used to receive the optical signal reflected by the tag and convert the optical signal into an electrical signal.

[0058] The present invention provides a tag with transaction function, which is configured to receive a light signal sent by a transaction party through a first photosensitive area and to power the tag, and to reflect and modulate the light signal in a second photosensitive area.

[0059] The present invention provides a terminal with transaction functions, which at least includes a tag. When the terminal passively receives an optical signal sent by a transaction party, the tag is configured to switch from a first state of collecting energy to a second state for detecting the optical signal based on the triggering of the optical signal, and to reflect and modulate the optical signal.

[0060] The present invention provides a terminal with transaction function, which at least includes a light-emitting unit and a tag. When the terminal actively sends an optical signal to a transaction party through the light-emitting unit, the tag receives the optical signal fed back or reflected by the transaction party, and / or the tag reflects and modulates the optical signal fed back or reflected by the transaction party.

[0061] The present invention provides a mobile device with transaction function, which at least includes a light-emitting unit and a tag. The mobile device sends an optical signal to a transaction party through the light-emitting unit, receives an optical signal sent or reflected by the transaction party through the tag, and / or reflects and modulates the optical signal through the tag.

[0062] According to a preferred embodiment, the tag is configured to switch between a first state and a second state based on a first frequency.

[0063] According to a preferred embodiment, the tag is configured as follows:

[0064] Generate the first frequency based on the frequency of the optical signal sent by the transaction party and the specifications of the first photosensitive area and the second photosensitive area;

[0065] A pulse sequence is generated based on the first frequency, and switching between the first state and the second state is controlled based on the pulse sequence.

[0066] According to a preferred embodiment, the tag at least includes an energy storage unit, a signal detection unit and a first control unit. The energy storage unit is connected to the first photosensitive area and supplies power to the signal detection unit, the first control unit and the second photosensitive area. The signal detection unit is configured to convert the light signal received by the first photosensitive area into a digital signal and transmit it to the first control unit. The first control unit is configured to periodically convert the first state and the second state based on a pulse sequence generated by a first frequency. The first control unit decodes the digital signal transmitted by the signal detection unit, generates a drive signal in response to the digital signal and transmits it to the second photosensitive area.

[0067] According to a preferred embodiment, the second photosensitive area includes at least a light modulation unit and a reflection unit. The reflection unit is configured to reflect the light signal that penetrates the modulation unit and returns to the read-write unit by penetrating the modulation unit again. The light modulation unit is configured to change the polarization direction of the light signal based on the driving signal transmitted by the first control unit, thereby realizing the light and dark change of the light signal.

[0068] The present invention also provides a payment method, which includes: a tag receives a light signal sent by a transaction party through a first photosensitive area and supplies energy to the tag, and reflects and modulates the light signal in a second photosensitive area.

[0069] According to a preferred embodiment, the method further comprises: the tag converts a first state for collecting light signal energy to power the tag based on the first frequency and a second state for detecting the light signal sent by the transaction party.

[0070] The present invention also provides a transaction method, the method comprising: receiving a light signal sent by a transaction party through a tag (controlling the switching between a first state of collecting energy in a first photosensitive area and a second state for detecting a light signal), and reflecting and modulating the light signal in a second photosensitive area. BRIEF DESCRIPTION OF THE DRAWINGS

[0071] Figure 1 It is a module schematic diagram of a preferred embodiment of the system of the present invention.

[0072] Reference numerals list

[0073] 1: Tag; 2: Read / write unit; 3: Server; 11: First photosensitive area; 12: Second photosensitive area; 13: Energy storage unit; 14: Signal detection unit; 15: First control unit; 16: Single-pole double-throw switch; 17: DC-DC converter; 21: Optical unit; 22: Modulation and demodulation unit; 23: Second control unit; 24: Light emitting unit; 121: Light modulation unit; 122: Reflection unit. DETAILED DESCRIPTION

[0074] The following is combined with Figure 1 Provide detailed explanation.

[0075] Example 1

[0076] This embodiment discloses an optical payment system based on reflected visible light communication. It includes at least a tag 1 and a read / write unit 2. The read / write unit 2 is connected to a server 3 to complete the payment logic. Preferably, the payment process of the optical payment system disclosed in this embodiment is as follows:

[0077] The tag 1 can be deployed on the merchant side, and the consumer pays by sending a visible light signal including at least transaction information to the tag 1 using the read-write unit 2. The tag 1 pre-stores the merchant identity authentication information and local information. The local information includes at least product information, such as product code, specification, price, etc. After the tag 1 receives the light signal including at least transaction information through the first photosensitive area 11, the merchant identity authentication information and local information are modulated on the light signal through the second photosensitive area 12, and reflected to the read-write unit 2. After the read-write unit 2 receives the light signal including at least merchant identity authentication information and local information, it transmits the merchant authentication information and local information to the server 3 to complete the payment logic. The payment logic includes verification of the merchant authentication information and local information, as well as corresponding payment services. That is, the optical payment system disclosed in this embodiment completes the payment interaction through the read-write unit 2 and the server 3, and the tag 1 only plays the role of merchant identity authentication and local information transmission, does not need to be connected to the Internet, and greatly reduces the cost and power consumption. Moreover, the payment operation is simple, and the user only needs to send a click to send an optical signal, and the payment can be completed after confirmation. It should be noted that, since the tag 1 can power itself through the first photosensitive area 11 and can work for a long time without charging, the tag 1 can be deployed in an independent hardware mode. For example, the tag 1 can be made into a card state, which can be hung or pasted, and can also be made into a circular shape or a bracket. The read-write unit 2 can be deployed in an independent hardware mode, or it can be modified for an existing mobile device. For example, an optical unit 21 can be set in a mobile device. The optical unit 21 can be a photodiode, and the photodiode is small in size and low in cost. Preferably, the optical unit 21 of the mobile device itself can also be used to receive the light signal, such as the photoelectric sensor on the mobile phone, the photoelectric sensor on the iPad, etc. The mobile device can be a mobile phone, a mobile PC, a POS machine, and other mobile devices.

[0078] Preferably, if Figure 1As shown, the tag 1 at least includes a first photosensitive area 11, a second photosensitive area 22, an energy storage unit 13, a signal detection unit 14 and a first control unit 15. Preferably, the first photosensitive area 11 can be a solar panel. Preferably, the second photosensitive area 12 at least includes a light modulation unit 121 and a reflection unit 122. The reflection unit 122 is configured to reflect the light signal that penetrates the modulation unit 121 to the read-write unit 2 in a manner of penetrating the modulation unit 121 again. Preferably, the reflection unit 122 can be a plate-like object made of reflective material. The reflection unit 122 is connected to the light modulation unit 121 in a detachable manner. The detachable manner can be threaded connection, bonding, etc. Preferably, the reflection unit 122 can be a coating made of reflective material, covering the light modulation unit 121. The reflective material can be 3M Scotchlite reflective material fabric. Preferably, the reflection can be retroreflection. Retroreflection can be to reflect light incident from any incident angle back to its light source. With this setting, the tag 1 itself does not need to emit light, and can communicate by reflecting light signals. Retroreflection has good energy concentration characteristics, that is, retroreflection can make the light projected from the point light source onto the surface of the reflective unit 122 be reflected back and concentrated on the light source. Preferably, the light modulation unit 121 is configured to: change the polarization direction of the light signal based on the driving signal transmitted by the first control unit 15, thereby realizing the light and dark changes of the light signal. Preferably, the light modulation unit 121 can be composed of two polarization devices and a liquid crystal material sandwiched between the two polarization devices. The liquid crystal material can change the polarization direction of light under the drive of voltage. The polarization directions of the two polarization devices are fixed. After the visible light signal sent by the read-write unit 2 penetrates the light modulation unit 121, it becomes polarized light. Therefore, after being reflected by the reflective unit 122, when the light signal passes through the light modulation unit 121 again, the polarization direction of the liquid crystal material is changed by the driving voltage. At this time, the reflected light is blocked due to the change in the polarization direction of the liquid crystal material and the polarization direction of the outer polarization device, thereby dimming the brightness of the light signal. When the polarization direction of the optical signal is the same as the polarization direction of the polarization device, the brightness of the optical signal becomes brighter. Preferably, the optical modulation unit 121 can be a liquid crystal display. With this setting, the optical signal can be modulated using the OOK method through the light and dark changes of the light.

[0079] Preferably, the energy storage unit 13 is connected to the first photosensitive area 11 and supplies power to the signal detection unit 14, the first control unit 15 and the second photosensitive area 12. The energy storage unit 13 may be a supercapacitor. Figure 1As shown, the energy storage unit 13 can be connected to the DC-DC converter 17 to provide power for the hardware of the entire tag 1. Preferably, the DC-DC converter 17 is respectively connected to the single-pole double-throw switch 16, the signal detection unit 14, the first control power supply 15, and the modulation and demodulation unit 22. The DC-DC converter 17 can provide a stable DC voltage, such as 2 V, for the above devices. Preferably, the signal detection unit 14 is configured to: convert the light signal received by the first photosensitive area 11 into a digital signal. The signal detection unit 14 transmits the digital signal to the first control unit 15. The signal detection unit 14 includes at least a filter and a comparator. The first photosensitive area 11 converts the received light signal into an original electrical signal. The signal detection unit 14 can filter out part of the noise signal from the original electrical signal through a low-pass filter, and then convert the signal into a digital signal through a comparator. Preferably, since the energy storage unit 13 may partially filter out the light signal sent by the read-write unit 2 that is expected to be received, a single-pole double-throw switch 16 can be used to respectively connect the first photosensitive area 11, the energy storage unit 13 and the signal detection unit 14, as shown in FIG. Figure 1 This configuration not only prevents the optical signal to be received from being filtered out, but also physically separates the first state from the second state.

[0080] Preferably, the first control unit 15 is configured to: periodically convert the first state and the second state based on the pulse sequence generated by the first frequency. The first control unit 15 decodes the digital signal transmitted by the signal detection unit 14. The first control unit 15 generates a driving signal based on the authentication information of the authentication transaction information and / or the local information including at least the commodity information in the process of modulating the light signal. It should be noted that the light signal modulated by the first control unit 15 is the light signal reflected by the reflection unit 122 of the second photosensitive area 12. The first control unit 15 transmits the driving signal to the second photosensitive area 12. Preferably, the first control unit 15 can transmit the driving signal to the driving circuit, thereby driving the light modulation unit 121 of the second photosensitive area 12. Preferably, the first control unit 15 can be a central processing unit (CPU), a general processor, a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), a microcontroller unit (MCU) or other programmable logic devices, transistor logic devices, hardware components or any combination thereof. Preferably, the first control unit 15 may be a micro control unit of STM32.

[0081] Preferably, the tag 1 is configured to receive the optical signal sent by the read-write unit 2 through the first photosensitive area 11 and to power the tag 1. The optical signal sent by the read-write unit 2 includes at least transaction information. The tag 1 is configured to reflect the optical signal to the read-write unit 2 in the second photosensitive area 12. In the process of reflecting the optical signal to the read-write unit 2 by the second photosensitive area 12, the tag 1 modulates the optical signal. The tag 1 transmits authentication information and / or local information by modulating the optical signal. The authentication information is the authentication transaction information. The local information includes at least commodity information. In the application scenario of mobile payment, in the process of realizing payment authentication and completing payment logic in two-way communication, two important aspects of convenience and security of payment of both parties to the transaction are involved. In the present invention, the second photosensitive area 12 can realize reflection, and the reflection can reflect the light back to the light source along the incident path. This reflection can automatically realize the precise mutual pointing of all light beams, and the emission direction of the light is independent of the incident direction of the light. Even if one or both ends of the communication may move, the tag 1 can return the light along the original incident path, and the tag 1 does not need to be perpendicular to the incident direction of the light. Since the tag 1 works by reflecting the light signal back to the read-write unit 2, the tag 1 does not need to deploy a light-emitting device. Compared with the existing visible light payment system that requires both parties to configure light-emitting devices, it can significantly reduce power consumption and cost, and the tag 1 can collect energy by receiving the light signal, so that on the basis of reducing power consumption, the energy collected by the first photosensitive area 11 can be used to power the entire internal device of the tag 1, thereby realizing the miniaturization of the tag 1. On the basis of not requiring additional power supply or timely charging, the mobility and deployability of the tag 1 can be improved, and it is particularly suitable for application scenarios such as mobile payment that require large-scale deployment. One party to the transaction can use the flash of the mobile phone to send a light signal as the read-write unit 2, and only needs to aim the flash at the tag 1 of the other party to the transaction to realize mobile payment, thereby significantly improving the convenience of mobile payment operation, and compared with using QR code scanning payment, the elderly can also use it smoothly. On the other hand, the way that tag 1 reflects the light signal back to the read-write unit 2 requires the user to send the light signal through the read-write unit 2, which ensures that the user must operate on site. At the same time, this communication method of reflecting the same light signal not only makes the two-way communication between tag 1 and the read-write unit 2 a closed-loop interaction, but also has a high degree of spatial directional characteristics, thereby ensuring that the information is not intercepted, further increasing security. More importantly, compared with the mobile payment system that actively sends visible light, tag 1 only plays the role of merchant identity authentication and transmits some local information, such as product number, price and other product information. Therefore, tag 1 does not need to be connected to the Internet, and the subsequent payment logic can be transmitted by the read-write unit 2 to the server 3 and completed through the server 3.In addition, the highly spatially oriented characteristics of the reflection can ensure that multiple people can quickly select goods for payment at the same time. For example, the read-write units 2 of multiple mobile devices connect to the tag 1 by sending optical signals, and then obtain information such as the product number. The calculation can be completed by the local read-write unit 2, and the payment logic can be completed by the server 3. This parallel feature is particularly suitable for use scenarios that require improved efficiency, such as peak hours in unmanned supermarkets.

[0082] Preferably, the tag 1 is configured to: periodically switch between the first state and the second state based on the first frequency. The first state is used to collect light signal energy to power the tag 1. The second state is used to detect the light signal sent by the read-write unit 2. The read-write unit 2 is configured to send at least the first light signal and the second light signal. The first light signal is used to wake up the tag 1 and enter the second state. The second light signal is used to carry transaction information. In the process of the tag 1 collecting energy by receiving light signals to achieve self-powering, it is necessary to timely and reliably capture the first light signal sent by the read-write unit 2, so as to achieve communication with the read-write unit 2. The tag 1 can realize photoelectric conversion to power itself by deploying solar panels. Although the prior art uses a capacitor connected to a solar panel, the capacitor's direct current isolation and alternating current passing characteristics are used to filter out the first light signal sent by the read-write unit 2. However, in fact, the waveform of the optical signal sent by the read-write unit 2 is not in the form of an AC signal, but in the form of a pulse signal presented by binary amplitude shift keying OOK modulation; further, the optical signal received by the tag 1 also includes the optical signal sent by the surrounding environment, such as the lighting signal sent by the lighting facilities, the background light signal generated by the sunlight, etc. These optical signals are in the form of slow fluctuations over time near a fixed amplitude. Therefore, the waveform of the optical signal received by the first photosensitive area 11 is the superposition of the waveform of the first optical signal and the waveform of the ambient light signal, and the waveform presented cannot be in the form of an AC signal. Although the waveform can be converted into the form of an AC signal through a series of electronic circuits, this will undoubtedly complicate the hardware design of the system, and the added electronic circuit-related devices will also increase the cost and power consumption of the system, thereby hindering the miniaturization of the tag 1. More importantly, the energy received by the solar panel cannot meet the power consumption of the entire tag 1, resulting in the tag 1 being unable to work in a non-powered state. Therefore, it is impossible to detect the optical signal while collecting the energy of the optical signal using a solar panel. In summary, the present invention periodically samples the waveform of the optical signal received by the first photosensitive area 11 based on the first frequency, so that the first state of the tag 1 supplying power and the second state of detecting the optical signal sent by the read-write unit 2 can be isolated from each other, and according to the Nyquist theorem, the first optical signal can also be detected when the first frequency is greater than twice the frequency of the first optical signal sent by the read-write unit 2, so the first photosensitive area 11 can also reliably detect the first optical signal sent by the read-write unit 2 in intermittent short time intervals. Further, on the one hand, the tag 1 demodulates the second optical signal sent by the read-write unit 2, which at least includes the transaction information, only after being awakened by the first optical signal, and is in the monitoring state for most of the rest of the time; on the other hand, in the monitoring state, the tag 1 collects the waveform of the optical signal of the first photosensitive area 11 at the first frequency, that is, the time when the tag 1 is in the second state is much less than the time when it is in the first state, so that the tag 1 has enough time to collect energy, and then the tag 1 can be powered.

[0083] Preferably, the tag 1 is configured to: generate a first frequency based on the frequency of the first optical signal, internal circuit parameters, and specifications of the first photosensitive area 11 and the second photosensitive area 12; generate a pulse sequence based on the first frequency. Control the conversion between the first state and the second state based on the pulse sequence. If the sampling interval is too short during the operation of the tag 1, that is, the first frequency is too high (the period is inversely proportional to the frequency). Since parasitic capacitance and impedance may interfere with the detection of the waveform of the first optical signal, when the tag 1 is used to detect the second state of the optical signal sent by the read-write unit 2 for a short time, the tag 1 may mistakenly enter the awakening state. The present invention determines the first frequency by the frequency of the first optical signal, the internal circuit parameter impedance, and the parasitic capacitance. Based on the determination of the first frequency, the conversion between the first state and the second state of the tag 1 can be controlled by a pulse sequence. For example, the time interval between the two second states is the reciprocal of the first frequency, and the time interval is expressed in the form of a logic value "0" in the period of a pulse sequence. The time occupied by the first state is in the form of a logic value "1" in the period of a pulse sequence. Preferably, the tag 1 can select the first control unit 15 to control the single-pole double-throw switch 16. Preferably, the first control unit 15 periodically controls the single-pole double-throw switch 16 based on the pulse sequence generated by the first frequency, so that the first control unit 15 controls the first photosensitive area 11 to be connected to the energy storage unit 13 and the signal detection unit 14 respectively, thereby realizing the conversion between the first state and the second state.

[0084] The preferred implementation for determining the first frequency is as follows: the frequency of the first optical signal sent by the read / write unit 2 is Q. Then the time interval between the two queries of the tag 1 by the read / write unit 2 is 1 / Q. Then during this period, the tag 1 is in the first state, that is, the first frequency can be Q. The length of the data packet in the first optical signal sent by the read / write unit 2 can be The data rate can be The energy consumption per bit can be The length of the data packet sent by tag 1 can be The data rate can be The energy consumption per bit can be Then for one query, i.e., the total energy consumption when the read / write unit 2 sends the first optical signal to the tag 1 and the tag 1 reflects the optical signal to the read / write unit 2 is At the same time, it is considered that the first photosensitive area 11 can obtain energy through the first state during the process of the tag 1 reflecting the light signal to the read-write unit 2. The power of the first photosensitive area 11 to obtain energy is Therefore, the energy consumption during each data query is During the time interval between two queries, tag 1 can work in the first state. Then the total charging energy of tag 1 is Preferably, It is the duty cycle of the logic value "1" in the pulse sequence, that is, the time in the second state within one pulse cycle. is the energy consumption of tag 1 during this period. If tag 1 wants to operate for a long time without power supply, its energy increment is required Greater than 0. When the data packet length and the data transmission rate are determined, the maximum value of the frequency of the first optical signal is as follows:

[0085]

[0086] For example, the first photosensitive area 11 can be selected to have an area of ​​7.5 mm 2 The light modulation unit 121 can be selected to have an area of ​​7.5 mm 2 LCD. Considering parasitic capacitance and impedance, The energy storage unit 13 can be selected as a super capacitor of 0.22 F. The area is 7.5 mm 2 The solar panel has a light intensity of 500 Lux. is 132 µW. For 3 Kbps is 144 b. For 1 Kbps is 128 b. Then the frequency Q of the first optical signal is 0.364 Hz, so the sampling frequency, that is, the first frequency, is 0.364 Hz. The time in which the pulse sequence is in the logic value "0", that is, the time in which the tag 1 is in the first state, is 1 / Q=2.747 s. The time in which the pulse sequence is in the logic value "1", that is, the time in which the tag 1 is in the second state, is 1.479 s.

[0087] According to a preferred embodiment, Figure 1 As shown, the read / write unit 2 at least includes an optical unit 21, a modulation and demodulation unit 22, a second control unit 23 and a light emitting unit 24. The second control unit 23 is configured to generate modulation information based on transaction information. The second control unit 23 transmits the modulation information to the modulation and demodulation unit 22. The modulation and demodulation unit 22 is configured to drive the light emitting unit 24 to send a first optical signal and a second optical signal based on the modulation information. The second optical signal at least includes transaction information. The modulation and demodulation unit 22 demodulates the electrical signal transmitted by the optical unit 21 and transmits it to the second control unit 22. The optical unit 21 is used to receive the optical signal reflected by the tag 1 and convert the optical signal into an electrical signal.

[0088] To facilitate understanding, the entire workflow of this embodiment and the signal processing logic between various components are explained.

[0089] like Figure 1 As shown, the second control unit 23 of the read / write unit 2 transmits the transaction information to the modulation and demodulation unit 22. The modulation and demodulation unit 22 generates a corresponding modulation signal. The modulation signal can be amplified by a power amplifier. The amplified modulation signal drives the light-emitting unit 24 to send a light signal through a driving circuit. The light signal sent by the light-emitting unit 24 includes a first light signal and a second light signal. The first light signal is used to query the tag 1, thereby waking up the tag 1 to process the second light signal with transaction information. The tag 1 switches the first state and the second state at a high speed under the control of the first control unit 15. The first state is that the tag 1 collects the light signal energy through the first photosensitive area 11 to supply power to the hardware in the tag 1. The second state is used to detect the light signal sent by the read / write unit 2. The first control unit 15 converts the first state and the second state through a pulse sequence, and the implementation method is to achieve it through a single-pole double-throw switch 16. The first photosensitive area 11 is connected to the single-pole double-throw switch 16. The single-pole double-throw switch 16 is connected to the energy storage unit 13 and the signal detection unit 14 respectively. In the first state, the first photosensitive area 11 is connected to the energy storage unit 13 through the single-pole double-throw switch 16, thereby converting light energy into electrical energy and storing it in the energy storage unit 13. The energy storage unit 13 is connected to the DC-DC converter 17. The DC-DC converter 17 is respectively connected to the light modulation unit 121, the signal detection unit 14, the single-pole double-throw switch 16, and the first control unit 15 (not shown in the drawings), and provides a stable DC voltage. In the second state, the first photosensitive area 11 is connected to the signal detection unit 14 through the single-pole double-throw switch 13. The signal detection unit 14 converts the received light signal into a digital signal and transmits it to the first control unit 15. The first control unit 15 detects whether the digital signal is the first light signal sent by the read-write unit 2. If it is the first light signal, the tag 1 is in the awake state and receives the second light signal. The first control unit 15 obtains the corresponding transaction information by decoding the second light signal. The merchant identity authentication information and local information are pre-stored in the tag 1. The first control unit 15 modulates the merchant identity authentication information and local information to generate a driving signal. The first control unit 15 transmits the driving signal to the optical modulation unit 121 through the driving circuit or driving module. The optical modulation unit 121 modulates the merchant identity authentication information and local information on the second optical signal reflected by the reflection unit 122 through the change of light brightness. The read-write unit 2 receives the reflected optical signal through the optical unit 21. The optical unit 21 converts the optical signal into an electrical signal, and transmits it to the modulation and demodulation unit 22 after amplification by the amplifier. The modulation and demodulation unit 22 transmits the demodulated digital signal to the second control unit 23. The second control unit 23 transmits the merchant authentication information and local information sent by the tag 1 to the server 3 to complete the payment logic. If it is not the first optical signal, the tag 1 is in a silent state, and continues to switch between the first state and the second state through the first control unit 15.

[0090] Example 2

[0091] The present embodiment provides an optical payment terminal based on reflective visible light communication, which at least includes a tag 1. The tag 1 is configured to: receive an optical signal including at least transaction information sent by a transaction party through a first photosensitive area 11 and power the tag 1, and modulate the optical signal in the process of reflecting the optical signal to the transaction party in the second photosensitive area 12 to transmit authentication information of the transaction information and / or local information including at least commodity information. The transaction party completes the payment logic by connecting to a server 3. Preferably, the transaction party can use a read-write unit 2 as in Example 1 to interact with the tag 1 for payment information. Preferably, the tag 1 can be configured as in Example 1. Repeated content will not be repeated.

[0092] Example 3

[0093] The present invention also provides an optical payment terminal based on reflective visible light communication, which at least includes a tag 1 deployed at a mobile device having a light-emitting unit 24. The tag 1 is configured to receive an optical signal including at least transaction information sent by a transaction party through a first photosensitive area 11 and to power the tag 1. Or the tag 1 is powered by connecting to a mobile device. The tag 1 is configured to modulate the optical signal in the process of reflecting the optical signal to the transaction party in the second photosensitive area 12 to transmit authentication information of the transaction information and / or local information including at least commodity information. Or the tag 1 is configured to complete the payment logic by connecting with a server 3 through a mobile device after authenticating the transaction information, and modulate the optical signal in the process of reflecting the optical signal to the transaction party in the second photosensitive area 12 to transmit the payment logic information. Or the tag 1 can actively send authentication information, local information, payment logic information and / or transaction information through the light-emitting unit 24.

[0094] According to a preferred embodiment, the light-emitting unit 21 at least includes one or more light-emitting devices in the mobile device for assisting in taking photos and / or videos, or one or more light-emitting devices independent of the mobile device and dedicated to emitting visible light signals.

[0095] Preferably, the tag 1 can be configured as the tag 1 in Example 1 or Example 2, and the transaction parties can use the read-write unit 2 in Example 1 or Example 2 for configuration, or the transaction parties can also use the tag 1 of this embodiment deployed at a mobile device with a light-emitting unit 24 for configuration, and repeated contents will not be repeated.

[0096] Example 4

[0097] The present invention also provides an optical payment method based on reflective visible light communication, the method comprising: the tag 1 receives an optical signal through the first photosensitive area 11 and supplies energy to the tag 1. The optical signal includes at least the transaction information sent by the transaction party. The tag 1 modulates the optical signal in the process of reflecting the optical signal to the transaction party in the second photosensitive area 12. During the modulation process of the tag 1, authentication information and / or local information is transmitted. The authentication information includes at least authentication transaction information. The local information includes at least commodity information. Preferably, the transaction party completes the payment logic. Preferably, the transaction party can send the optical signal through a mobile device. Preferably, the transaction party can send the optical signal through a mobile device configured with a read-write unit 2.

[0098] Preferably, the payment method of the present invention has the following process:

[0099] S100: One party to the transaction pays by using the read / write unit 2 to send a visible light signal including at least transaction information to the tag 1. The tag 1 is deployed at the other party to the transaction. Alternatively, one party to the transaction uses the light emitting unit 24 to send an optical signal to the other party.

[0100] S200: The tag 1 pre-stores the merchant identity authentication information and local information. The local information includes at least product information, such as product code, specification, price, etc. After the tag 1 receives the optical signal including at least transaction information through the first photosensitive area 11, the second photosensitive area 12 modulates the merchant identity authentication information and local information on the optical signal and reflects it to the read-write unit 2. Alternatively, the second photosensitive area 12 reflects the optical signal back to the transaction party.

[0101] S300: After the read / write unit 2 receives the optical signal including at least the merchant identity authentication information and the local information, it transmits the merchant authentication information and the local information to the server 3 to complete the payment logic. Preferably, the transaction party that actively sends the optical signal receives the optical signal reflected back by the tag 1. The payment logic includes the verification of the merchant authentication information and the local information, and the corresponding payment service. That is, the optical payment system disclosed in this embodiment completes the payment interaction through the read / write unit 2 and the server 3, and the tag 1 only plays the role of merchant identity authentication and local information transmission, and does not need to be connected to the Internet, which greatly reduces the cost and power consumption. Moreover, the payment operation is simple, and the user only needs to send a click to send the optical signal, and the payment can be completed after confirmation. It should be noted that since the tag 1 can power itself through the first photosensitive area 11 and can work for a long time without charging, the tag 1 can be deployed in an independent hardware mode, for example, the tag 1 can be made into a card state, can be hung or pasted, and can also be made into a round or bracket shape. The read / write unit 2 can be deployed in an independent hardware mode, or the existing mobile device can be modified. For example, an optical unit 21 can be set on the mobile device. The optical unit 21 may be a photodiode, which is small in size and low in cost. Preferably, the optical unit 21 of the mobile device itself may also be used to receive the optical signal, such as a photoelectric sensor on a mobile phone, a photoelectric sensor on an iPad, etc. The mobile device may be a mobile phone, a mobile PC, a POS machine, or other mobile devices.

[0102] Preferably, in step S200, the tag 1 receives the optical signal sent by the read-write unit 2 through the first photosensitive area 11 and supplies energy to the tag 1. The optical signal sent by the read-write unit 2 includes at least transaction information. The tag 1 is configured to reflect the optical signal to the read-write unit 2 in the second photosensitive area 12. In the process of reflecting the optical signal to the read-write unit 2 by the second photosensitive area 12, the tag 1 modulates the optical signal. The tag 1 transmits authentication information and / or local information by modulating the optical signal. The authentication information includes at least authentication transaction information. The local information includes at least commodity information. In the application scenario of mobile payment, in the process of realizing payment authentication and completing payment logic in two-way communication, two important aspects of convenience and security of payment of both parties to the transaction are involved. In the present invention, the second photosensitive area 12 can realize reflection. Reflection can be to reflect light back to the light source along the incident path. This reflection can automatically realize the precise mutual pointing of all light beams, and the emission direction of the light is independent of the incident direction of the light. Even if one or both ends of the communication may move, the tag 1 can return the light along the original incident path, and the tag 1 does not need to be perpendicular to the incident direction of the light. Since the tag 1 works by reflecting the light signal back to the read-write unit 2, the tag 1 does not need to deploy a light-emitting device. Compared with the existing visible light payment system that requires both parties to configure light-emitting devices, it can significantly reduce power consumption and cost, and the tag 1 can collect energy by receiving the light signal, so that on the basis of reducing power consumption, the energy collected by the first photosensitive area 11 can be used to power the internal devices of the entire tag 1, thereby realizing the miniaturization of the tag 1. On the basis of not requiring additional power supply or timely charging, the mobility and deployability of the tag 1 can be improved, and it is particularly suitable for application scenarios such as mobile payment that require large-scale deployment. One party to the transaction can use the flash of the mobile phone to send a light signal as the read-write unit 2, and only needs to aim the flash at the tag 1 of the other party to the transaction to realize mobile payment, thereby significantly improving the convenience of mobile payment operation, and compared with using QR code scanning payment, the elderly can also use it smoothly. On the other hand, the way that tag 1 reflects the light signal back to the read-write unit 2 requires the user to send the light signal through the read-write unit 2, which ensures that the user must operate on site. At the same time, this communication method of reflecting the same light signal not only makes the two-way communication between tag 1 and the read-write unit 2 a closed-loop interaction, but also has a high degree of spatial directional characteristics, thereby ensuring that the information is not intercepted, further increasing security. More importantly, compared with the mobile payment system that actively sends visible light, tag 1 only plays the role of merchant identity authentication, and at the same time transmits some local information, such as product number, price and other product information. Therefore, tag 1 does not need to be connected to the Internet, and the subsequent payment logic is transmitted by the read-write unit 2 to the server 3 and completed by the server 3.In addition, the highly spatially oriented characteristics of the reflection can ensure that multiple people can quickly select goods for payment at the same time. For example, the read-write units 2 of multiple mobile devices connect to the tag 1 by sending optical signals, and then obtain information such as the product number. The calculation can be completed by the local read-write unit 2, and the payment logic can be completed by the server 3. This parallel feature is particularly suitable for use scenarios that require improved efficiency, such as peak hours in unmanned supermarkets.

[0103] Preferably, the tag 1 periodically switches between the first state and the second state based on the first frequency. The first state is used to collect light signal energy to power the tag 1. The second state is used to detect the light signal sent by the read-write unit 2. The read-write unit 2 is configured to send at least the first light signal and the second light signal. The first light signal is used to wake up the tag 1 and enter the second state. The second light signal is used to carry transaction information. In the process of the tag 1 collecting energy by receiving light signals to achieve self-powering, it is necessary to timely and reliably capture the first light signal sent by the read-write unit 2, so as to achieve communication with the read-write unit 2. The tag 1 can realize photoelectric conversion to power itself by deploying solar panels. Although the prior art uses a capacitor connected to a solar panel, the capacitor's direct current isolation and alternating current passing characteristics are used to filter out the first light signal sent by the read-write unit 2. However, in fact, the waveform of the optical signal sent by the read-write unit 2 is not in the form of an AC signal, but in the form of a pulse signal presented by binary amplitude shift keying OOK modulation; further, the optical signal received by the tag 1 also includes the optical signal sent by the surrounding environment, such as the lighting signal sent by the lighting facilities, the background light signal generated by the sunlight, etc. These optical signals are in the form of slow fluctuations over time near a fixed amplitude. Therefore, the waveform of the optical signal received by the first photosensitive area 11 is the superposition of the waveform of the first optical signal and the waveform of the ambient light signal, and the waveform presented cannot be in the form of an AC signal. Although the waveform can be converted into the form of an AC signal through a series of electronic circuits, this will undoubtedly complicate the hardware design of the system, and the added electronic circuit-related devices will also increase the cost and power consumption of the system, thereby hindering the miniaturization of the tag 1. More importantly, the energy received by the solar panel cannot meet the power consumption of the entire tag 1, resulting in the tag 1 being unable to work in a non-powered state. Therefore, it is impossible to detect the optical signal while collecting the energy of the optical signal using a solar panel. In summary, the present invention periodically samples the waveform of the optical signal received by the first photosensitive area 11 based on the first frequency, so that the first state of the tag 1 supplying power and the second state of detecting the optical signal sent by the read-write unit 2 can be isolated from each other, and according to the Nyquist theorem, the first optical signal can also be detected when the first frequency is greater than twice the frequency of the first optical signal sent by the read-write unit 2, so the first photosensitive area 11 can also reliably detect the first optical signal sent by the read-write unit 2 in intermittent short time intervals. Further, on the one hand, the tag 1 demodulates the second optical signal sent by the read-write unit 2, which at least includes the transaction information, only after being awakened by the first optical signal, and is in the monitoring state for most of the rest of the time; on the other hand, in the monitoring state, the tag 1 collects the waveform of the optical signal of the first photosensitive area 11 at the first frequency, that is, the time when the tag 1 is in the second state is much less than the time when it is in the first state, so that the tag 1 has enough time to collect energy, and then the tag 1 can be powered.

[0104] Preferably, the tag 1 generates a first frequency based on the frequency of the first optical signal, internal circuit parameters, and the specifications of the first photosensitive area 11 and the second photosensitive area 12; generates a pulse sequence based on the first frequency; and controls the conversion between the first state and the second state based on the pulse sequence. If the sampling interval is too short during the operation of the tag 1, that is, the first frequency is too high (the period is inversely proportional to the frequency). Since parasitic capacitance and impedance may interfere with the detection of the waveform of the first optical signal, when the tag 1 has less time to detect the second state of the optical signal sent by the read-write unit 2, the tag 1 may mistakenly enter the awakening state. The present invention determines the first frequency by the frequency of the first optical signal, the internal circuit parameter impedance, and the parasitic capacitance. Based on the determination of the first frequency, the conversion between the first state and the second state of the tag 1 can be controlled by a pulse sequence. For example, if the time interval between the two second states is the inverse of the first frequency, then the time interval is expressed in the form of a logic value "0" in the period of a pulse sequence. The time occupied by the first state is in the form of a logic value "1" in the period of a pulse sequence. Preferably, the tag 1 can select the first control unit 15 to periodically control the single-pole double-throw switch 16 based on the pulse sequence generated by the first frequency, thereby controlling the first photosensitive area 11 to be connected to the energy storage unit 13 and the signal detection unit 14 respectively, thereby realizing the conversion between the first state and the second state.

[0105] In steps S100 and S200, the read / write unit 2 at least includes an optical unit 21, a modulation and demodulation unit 22, a second control unit 23, and a light emitting unit 24. The second control unit 23 is configured to generate modulation information based on transaction information. The second control unit 23 transmits the modulation information to the modulation and demodulation unit 22. The modulation and demodulation unit 22 is configured to drive the light emitting unit 24 to send a first optical signal and a second optical signal based on the modulation information. The second optical signal at least includes transaction information. The modulation and demodulation unit 22 demodulates the electrical signal transmitted by the optical unit 21 and transmits it to the second control unit 22. The optical unit 21 is used to receive the optical signal reflected by the tag 1 and convert the optical signal into an electrical signal.

[0106] Preferably, when the read / write unit 2 cannot be connected to the server 3, the tag 1 temporarily stores the payment information. Preferably, the tag 1 can transmit the temporarily stored payment information to the server 3 through the read / write unit 2 and / or the mobile device. This setting is suitable for quick payment of mobile stalls such as food trucks, and the low cost of the tag 1 can also ensure that it can be easily replaced. When the first photosensitive area 11 is configured as a solar panel, the mobile characteristics of the tag 1 can also be guaranteed.

[0107] Example 5

[0108] The present invention also provides a terminal with a payment function, which at least comprises a tag 1. The tag 1 is configured to receive an optical signal sent by a transaction party through a first photosensitive area 11 and to power the tag 1. The tag 1 reflects and modulates the optical signal at a second photosensitive area 12.

[0109] Preferably, the optical signal sent by the transaction party carries at least the transaction information. Preferably, in the process of the second photosensitive area 12 reflecting the optical signal to the transaction party, the tag 1 modulates the optical signal to transmit the authentication information of the authentication transaction information and / or the local information including at least the commodity information. Alternatively, the tag 1 is configured to complete the payment logic by connecting with the server 3 through the mobile device after authenticating the transaction information, and modulate the optical signal to transmit the payment logic information in the process of the second photosensitive area 12 reflecting the optical signal to the transaction party.

[0110] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 4. The repeated contents will not be repeated.

[0111] Example 6

[0112] The present invention also provides a tag 1 with a transaction function. The tag 1 is configured to switch from a first state for collecting energy to a second state for detecting the optical signal based on an optical signal sent by a transaction party. The tag 1 is configured to reflect and modulate the optical signal.

[0113] Preferably, the optical signal sent by the transaction party carries at least transaction information. Preferably, the tag 1 is configured to reflect and modulate the optical signal in the second photosensitive area 12. In the process of reflecting the optical signal from the second photosensitive area 12 to the transaction party, the tag 1 modulates the optical signal to transmit authentication information for authenticating the transaction information and / or local information including at least commodity information. Alternatively, the tag 1 is configured to complete the payment logic by connecting with the server 3 through a mobile device after authenticating the transaction information. In the process of reflecting the optical signal from the second photosensitive area 12 to the transaction party, the tag 1 modulates the optical signal to transmit the payment logic information. The tag 1 is configured to receive the optical signal sent by the transaction party in the first photosensitive area 11.

[0114] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 5. The repeated contents will not be repeated.

[0115] Example 7

[0116] The present invention also provides a tag 1 with a transaction function. The tag 1 is configured to receive an optical signal sent by a transaction party by switching between a first state for collecting energy and a second state for detecting an optical signal, and to reflect and modulate the optical signal.

[0117] Preferably, the optical signal sent by the transaction party carries at least transaction information. Preferably, the tag 1 is configured to reflect and modulate the optical signal in the second photosensitive area 12. In the process of reflecting the optical signal to the transaction party in the second photosensitive area 12, the tag 1 modulates the optical signal to transmit authentication information for authenticating the transaction information and / or local information including at least commodity information. Or the tag 1 is configured to complete the payment logic by connecting with the server 3 through a mobile device after authenticating the transaction information. The tag 1 modulates the optical signal in the process of reflecting the optical signal to the transaction party in the second photosensitive area 12. The tag 1 transmits payment logic information by modulating the optical signal. The tag 1 is configured to receive the optical signal sent by the transaction party in the first photosensitive area 11.

[0118] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 6. The repeated contents will not be repeated.

[0119] Example 8

[0120] The present invention also provides a tag 1 with transaction function. The tag 1 is configured to receive an optical signal sent by a transaction party by controlling the switching of a first state of collecting energy and a second state for detecting optical signals of a first photosensitive area 11 .

[0121] Preferably, the optical signal sent by the transaction party carries at least the transaction information. Preferably, the tag 1 is configured to reflect and modulate the optical signal at the second photosensitive area 12. In the process of reflecting the optical signal to the transaction party by the second photosensitive area 12, the tag 1 modulates the optical signal. The tag modulates the optical signal to transmit authentication information of the transaction information and / or local information including at least commodity information. Alternatively, the tag 1 is configured to complete the payment logic by connecting with the server 3 through the mobile device after authenticating the transaction information. The tag 1 is configured to receive the optical signal sent by the transaction party at the first photosensitive area 11.

[0122] According to a preferred embodiment, the tag 1 can be deployed at a device having a light emitting unit 24. The tag 1 is powered by connecting to the device. Preferably, the light signal is modulated in the process of the second photosensitive area 12 reflecting the light signal to the transaction party. The modulated light signal can transmit authentication information of the authentication transaction information and / or local information including at least commodity information. Alternatively, after authenticating the transaction information, the payment logic is completed by connecting the device to the server 3. Alternatively, one or more of the authentication information, local information, payment logic information, and transaction information are actively sent through the light emitting unit 24.

[0123] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 7. Repeated contents will not be repeated.

[0124] Example 9

[0125] The present invention also provides a system with a payment function, comprising at least a tag 1 and a read-write unit 2. The tag 1 is configured to receive a light signal sent by the read-write unit 2 through a first photosensitive area 11 and to power the tag 1. The tag 1 modulates the light signal in the process of reflecting the light signal to the read-write unit 2 in the second photosensitive area 12.

[0126] Preferably, the optical signal sent by the read-write unit 2 carries at least transaction information. Preferably, the tag 1 is configured to reflect and modulate the optical signal in the second photosensitive area 12. In the process of the second photosensitive area 12 reflecting the optical signal to the read-write unit 2, the tag 1 modulates the optical signal. The tag 1 modulates the optical signal to transmit authentication information for authenticating the transaction information and / or local information including at least commodity information. Alternatively, the tag 1 is configured to complete the payment logic by connecting with the server 3 through a mobile device after authenticating the transaction information, and modulate the optical signal to transmit the payment logic information in the process of the second photosensitive area 12 reflecting the optical signal to the transaction party. The tag 1 is configured to receive the optical signal sent by the transaction party in the first photosensitive area 11.

[0127] According to a preferred embodiment, the read / write unit 2 is configured to send at least a first optical signal for waking up the tag to enter the second state and a second optical signal for carrying information.

[0128] According to a preferred embodiment, the tag 1 is configured to: generate a first frequency based on the frequency of the first light signal, internal circuit parameters, and one or more of the specifications of the first photosensitive area 11 and the second photosensitive area 12. Generate a pulse sequence based on the first frequency. Control the conversion between the first state and the second state based on the pulse sequence.

[0129] According to a preferred embodiment, the reading and writing unit 2 at least includes an optical unit 21, a modulation and demodulation unit 22, a second control unit 23 and a light emitting unit 24. The second control unit 23 is configured to generate modulation information and transmit it to the modulation and demodulation unit 22. The modulation and demodulation unit 22 drives the light emitting unit 24 to send a first optical signal and a second signal based on the modulation information. The modulation and demodulation unit 22 demodulates the electrical signal transmitted by the optical unit 21 and transmits it to the second control unit 23. The optical unit 21 is used to receive the optical signal reflected by the tag 1. The optical unit 21 converts the optical signal into an electrical signal.

[0130] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 8. The read-write unit 2 can be configured as the read-write unit 2 in Embodiment 1 to Embodiment 4. Repeated contents are not repeated.

[0131] Example 10

[0132] The present invention also provides a system with a payment function, comprising at least a tag 1 and a read / write unit 2. The tag 1 is configured to switch from a first state for collecting energy to a second state for detecting light signals based on light signals sent by the read / write unit 2. The tag 1 reflects and modulates light signals.

[0133] Preferably, the optical signal sent by the read-write unit 2 carries at least transaction information. Preferably, the tag 1 is configured to reflect and modulate the optical signal in the second photosensitive area 12. In the process of the second photosensitive area 12 reflecting the optical signal to the read-write unit 2, the tag 1 modulates the optical signal. The tag 1 modulates the optical signal to transmit authentication information for authenticating the transaction information and / or local information including at least commodity information. Alternatively, the tag 1 is configured to complete the payment logic by connecting with the server 3 through a mobile device after authenticating the transaction information, and modulate the optical signal to transmit the payment logic information in the process of the second photosensitive area 12 reflecting the optical signal to the transaction party. The tag 1 is configured to receive the optical signal sent by the transaction party in the first photosensitive area 11.

[0134] According to a preferred embodiment, the read / write unit 2 is configured to send at least a first optical signal for waking up the tag to enter the second state and a second optical signal for carrying information.

[0135] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 9. The read-write unit 2 can be configured as the read-write unit 2 in Embodiment 1 to Embodiment 4 and Embodiment 9. Repeated contents are not repeated.

[0136] Embodiment 11

[0137] The present invention also provides a system with a payment function, comprising at least a tag 1 and a read / write unit 2. The tag 1 is configured to receive an optical signal sent by the read / write unit 2 by switching between a first state for collecting energy and a second state for detecting an optical signal. The tag 1 reflects and modulates the optical signal.

[0138] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 10. The read-write unit 2 can be configured as the read-write unit 2 in Embodiment 1 to Embodiment 4 and Embodiment 9 to Embodiment 10. Repeated contents are not repeated.

[0139] Example 12

[0140] The present invention also provides a system with a payment function, comprising at least a tag 1 and a read / write unit 2. The tag 1 is configured to receive a light signal sent by the read / write unit 2 and power the tag 1 by controlling the switching between a first state of the first photosensitive area 11 collecting energy and a second state for detecting light signals.

[0141] According to a preferred embodiment, the tag 1 can be deployed at a device having a light emitting unit 24. The tag 1 is powered by connecting to the device. Preferably, the device can be a mobile device. The device can be a fixed device.

[0142] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 11. The read-write unit 2 can be configured as the read-write unit 2 in Embodiment 1 to Embodiment 4 and Embodiment 9 to Embodiment 11. Repeated contents are not repeated.

[0143] Embodiment 13

[0144] The present invention also provides a tag 1 with a transaction function, the tag 1 is configured to receive a light signal sent by a transaction party through a first photosensitive area 11 and to power the tag 1. The tag 1 reflects and modulates the light signal in a second photosensitive area 12.

[0145] According to a preferred embodiment, the tag 1 can be deployed at a device having a light emitting unit 24. The tag 1 is powered by connecting to the device. Preferably, the device can be a mobile device. The device can be a fixed device.

[0146] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 12. The repeated contents will not be repeated.

[0147] Embodiment 14

[0148] The present invention also provides a terminal with transaction function, comprising at least a tag 1. When the terminal passively receives an optical signal sent by a transaction party, the tag 1 is configured to switch from a first state of collecting energy to a second state for detecting the optical signal based on the triggering of the optical signal. The tag 1 reflects and modulates the optical signal.

[0149] According to a preferred embodiment, the tag 1 can be deployed at a device having a light emitting unit 24. The tag 1 is powered by connecting to the device. Preferably, the device can be a mobile device. The device can be a fixed device.

[0150] Preferably, the optical signal sent by the transaction party carries at least transaction information. Preferably, the tag 1 is configured to reflect and modulate the optical signal in the second photosensitive area 12. In the process of reflecting the optical signal from the second photosensitive area 12 to the transaction party, the tag 1 modulates the optical signal to transmit authentication information for authenticating the transaction information and / or local information including at least commodity information. Or the tag 1 is configured to complete the payment logic by connecting with the server 3 through a mobile device after authenticating the transaction information, and modulate the optical signal to transmit the payment logic information in the process of reflecting the optical signal from the second photosensitive area 12 to the transaction party. The tag 1 is configured to receive the optical signal sent by the transaction party in the first photosensitive area 11. Or one or more of authentication information, local information, payment logic information, and transaction information are actively sent through the light-emitting unit 24.

[0151] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 13. Repeated contents are not repeated here.

[0152] Embodiment 15

[0153] The present invention also provides a terminal with transaction function, which at least includes a light emitting unit 24 and a tag 1. When the terminal actively sends an optical signal to a transaction party through the light emitting unit 24, the tag 1 receives the optical signal fed back or reflected by the transaction party.

[0154] Preferably, when the terminal actively sends an optical signal to the transaction party through the light emitting unit 24, the tag 1 reflects and modulates the optical signal fed back or reflected by the transaction party.

[0155] Preferably, when the terminal actively sends an optical signal to the transaction party through the light emitting unit 24, the tag 1 receives the optical signal fed back or reflected by the transaction party. The tag 1 reflects and modulates the optical signal fed back or reflected by the transaction party.

[0156] According to a preferred embodiment, the tag 1 can be deployed at a device having a light emitting unit 24. The tag 1 is powered by connecting to the device. Preferably, the device can be a mobile device. The device can be a fixed device.

[0157] Preferably, the optical signal sent by the transaction party carries at least transaction information. Preferably, the tag 1 is configured to reflect and modulate the optical signal in the second photosensitive area 12. In the process of reflecting the optical signal from the second photosensitive area 12 to the transaction party, the tag 1 modulates the optical signal to transmit authentication information for authenticating the transaction information and / or local information including at least commodity information. Alternatively, the tag 1 is configured to complete the payment logic by connecting with the server 3 through a mobile device after authenticating the transaction information, and modulate the optical signal to transmit the payment logic information in the process of reflecting the optical signal from the second photosensitive area 12 to the transaction party. The tag 1 is configured to receive the optical signal sent by the transaction party in the first photosensitive area 11.

[0158] According to a preferred embodiment, the tag can be deployed at a device having a light-emitting unit 24. The tag is powered by connecting to the device. The light signal is modulated in the process of reflecting the light signal to the transaction party in the second photosensitive area 12. The modulated light signal can transmit authentication information of the transaction information and / or local information including at least commodity information. Or after authenticating the transaction information, the payment logic is completed by connecting the device to the server 3. In the process of reflecting the light signal to the transaction party in the second photosensitive area 12, the light signal is modulated to transmit the payment logic information. Or one or more of the authentication information, local information, payment logic information, and transaction information are actively sent through the light-emitting unit 24.

[0159] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 14. Repeated contents are not repeated here.

[0160] Example 16

[0161] The present invention also provides a mobile device with transaction function, which at least includes a light emitting unit 24 and a tag 1. The mobile device sends an optical signal to the transaction party through the light emitting unit 24. The mobile device receives the optical signal sent or reflected by the transaction party through the tag 1.

[0162] Preferably, the mobile device sends an optical signal to the transaction party through the light emitting unit 24. The mobile device reflects and modulates the optical signal through the tag 1.

[0163] Preferably, the mobile device sends an optical signal to the transaction party through the light-emitting unit 24, and receives the optical signal sent or reflected by the transaction party through the tag 1. The mobile device reflects and modulates the optical signal through the tag 1. With this setting, the mobile device can not only receive the optical signal sent by the transaction party through the tag 1, but also modulate the feedback information on the optical signal sent by the transaction party through the tag 1, thereby realizing two-way communication with the transaction party and transmitting transaction-related information. For example, local information such as product code, price, category, etc. can also transmit merchant identity authentication information. Encrypted information can also be transmitted.

[0164] Preferably, the mobile device reflects and modulates the optical signal sent by the transaction party through the tag 1 .

[0165] Preferably, the optical signal sent by the transaction party carries at least transaction information. Preferably, the tag 1 is configured to reflect and modulate the optical signal in the second photosensitive area 12. In the process of reflecting the optical signal from the second photosensitive area 12 to the transaction party, the tag 1 modulates the optical signal to transmit authentication information for authenticating the transaction information and / or local information including at least commodity information. Alternatively, the tag 1 is configured to complete the payment logic by connecting with the server 3 through a mobile device after authenticating the transaction information, and modulate the optical signal to transmit the payment logic information in the process of reflecting the optical signal from the second photosensitive area 12 to the transaction party. The tag 1 is configured to receive the optical signal sent by the transaction party in the first photosensitive area 11.

[0166] According to a preferred embodiment, the tag 1 is powered by connecting to a device. The tag 1 modulates the light signal in the process of reflecting the light signal to the transaction party in the second photosensitive area 12. The modulated light signal can transmit authentication information of the transaction information and / or local information including at least commodity information. Or after authenticating the transaction information, the payment logic is completed by connecting the device to the server 3. In the process of reflecting the light signal to the transaction party in the second photosensitive area 12, the light signal is modulated to transmit the payment logic information. Or one or more of the authentication information, local information, payment logic information, and transaction information are actively sent through the light-emitting unit 24.

[0167] Preferably, the tag 1 can be configured as the tag 1 in Embodiment 1 to Embodiment 15. The repeated contents will not be repeated.

[0168] The application scenarios of mobile payment in various embodiments of the present invention may include but are not limited to mobile device payment platforms, bank transfer platforms, shopping mall computing platforms, and internal data processing system platforms of enterprises or departments. The tag 1 in various embodiments of the present invention may be deployed in an independent hardware mode, or may be deployed on smart terminals such as but not limited to smart phones, tablet computers, mobile PCs, POS machines, etc., or may be deployed on wearable smart devices such as but not limited to smart bracelets, smart watches, smart phones, or smart glasses. The payment terminal in various embodiments of the present invention may be but is not limited to smart terminals such as smart phones, tablet computers, mobile PCs, POS machines, wearable smart devices such as smart bracelets, smart watches, smart phones, or smart glasses.

[0169] It should be noted that the above specific embodiments are exemplary, and those skilled in the art can come up with various solutions inspired by the disclosure of the present invention, and these solutions also belong to the disclosure scope of the present invention and fall within the protection scope of the present invention. Those skilled in the art should understand that the present invention description and its drawings are illustrative and do not constitute a limitation of the claims. The protection scope of the present invention is defined by the claims and their equivalents.

Claims

1. A label with transaction function, characterized in that: The tag (1) is configured to receive an optical signal sent by a transaction party through a first photosensitive area (11) and to supply energy to the tag (1) through the first photosensitive area (11), wherein the optical signal sent by the transaction party comprises a first optical signal for waking up the tag (1) and a second optical signal for carrying transaction information, and the tag (1) is configured to generate a first frequency based on the frequency of the first optical signal, an internal circuit impedance parameter, and a parasitic capacitance, and to periodically switch between a first state of collecting energy and a second state of detecting the optical signal sent by the transaction party based on the first frequency. The tag (1) comprises at least an energy storage unit (13), a signal detection unit (14) and a first control unit (15), wherein the energy storage unit (13) supplies power to the signal detection unit (14), the first control unit (15) and a second photosensitive area (12) of the tag (1), and the first control unit (15) periodically switches between the first state and the second state based on a pulse sequence generated at a first frequency. In a first state, the first photosensitive area (11) is connected to the energy storage unit (13), thereby converting light signal energy into electrical energy and storing the electrical energy in the energy storage unit (13). In the second state, the first photosensitive area (11) is connected to the signal detection unit (14), the signal detection unit (14) converts the received optical signal into a digital signal and transmits it to the first control unit (15), the first control unit (15) detects whether the digital signal is the first optical signal sent by the transaction party, if it is the first optical signal, then the tag (1) is in the awake state and receives the second optical signal, the first control unit (15) obtains the corresponding transaction information by decoding the second optical signal, The tag (1) reflects and modulates the second light signal at the second photosensitive area (12) to transmit authentication information and / or local information. The time that the tag (1) is in the second state is shorter than the time that it is in the first state.

2. The label with transaction function according to claim 1, characterized in that: The second photosensitive area (12) comprises at least a light modulation unit (121) and a reflection unit (122), wherein: The reflection unit (122) is configured to: reflect the optical signal that has passed through the optical modulation unit (121), and the optical signal returns along the original incident path in a manner of passing through the optical modulation unit (121) again; The light modulation unit (121) is configured to change the polarization direction of the light signal based on the driving signal transmitted by the first control unit (15), thereby achieving light and dark changes in the light signal.

3. A terminal with transaction function, characterized in that: At least comprising a tag (1), the tag (1) being configured to receive a light signal sent by a transaction party through a first light-sensitive area (11) and to supply energy to the tag (1) through the first light-sensitive area (11), the light signal sent by the transaction party comprising a first light signal for waking up the tag (1) and a second light signal for carrying transaction information, the tag (1) being configured to generate a first frequency based on the frequency of the first light signal, an internal circuit impedance parameter and a parasitic capacitance, and to periodically switch between a first state of collecting energy and a second state of detecting the light signal sent by the transaction party based on the first frequency, The tag (1) comprises at least an energy storage unit (13), a signal detection unit (14) and a first control unit (15), wherein the energy storage unit (13) supplies power to the signal detection unit (14), the first control unit (15) and a second photosensitive area (12) of the tag (1), and the first control unit (15) periodically switches between the first state and the second state based on a pulse sequence generated at a first frequency. In a first state, the first photosensitive area (11) is connected to the energy storage unit (13), thereby converting light signal energy into electrical energy and storing the electrical energy in the energy storage unit (13). In the second state, the first photosensitive area (11) is connected to the signal detection unit (14), the signal detection unit (14) converts the received optical signal into a digital signal and transmits it to the first control unit (15), the first control unit (15) detects whether the digital signal is the first optical signal sent by the transaction party, if it is the first optical signal, then the tag (1) is in the awake state and receives the second optical signal, the first control unit (15) obtains the corresponding transaction information by decoding the second optical signal, The tag (1) reflects and modulates the second light signal at the second photosensitive area (12) to transmit authentication information and / or local information. The time that the tag (1) is in the second state is shorter than the time that it is in the first state.

4. The terminal with transaction function according to claim 3, characterized in that: The second photosensitive area (12) comprises at least a light modulation unit (121) and a reflection unit (122), wherein: The reflection unit (122) is configured to: reflect the optical signal that has passed through the optical modulation unit (121), and the optical signal returns along the original incident path in a manner of passing through the optical modulation unit (121) again; The light modulation unit (121) is configured to change the polarization direction of the light signal based on the driving signal transmitted by the first control unit (15), thereby achieving light and dark changes in the light signal.

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