CN105303375A - Mobile payment system and method - Google Patents

Abstract

<b>This invention discloses a mobile payment system installed on a mobile device such as a mobile phone. The mobile payment system includes a card reading device and a safe payment unit, wherein the card reading device is configured to acquire information of a magnetic stripe card, and the safe payment unit is configured to generate changing magnetic field information according to the information of the magnetic stripe card, thereby being compatible with</b ><b>POS</b><b> terminal for interaction. The invention also discloses a method for transmitting card information by using the mobile payment system. </b>

Description

Mobile payment system and method

technical field

The present invention relates to the field of mobile payment, in particular to a mobile payment system and method.

Background technique

In recent years, in order to improve the user's payment experience, several payment methods instead of cash have emerged, such as card payment, online payment, mobile payment, etc. Mobile payment has now become the new favorite after card payment and online payment.

As far as payment by card is concerned, the user must carry one or more magnetic stripe cards with him in order to take out and interact with the POS terminal when paying. For general users, it may be necessary to carry multiple magnetic stripe cards with them, such as credit cards, savings cards, and VIP cards issued by restaurants, clothing stores and other operating places, which often brings a lot of inconvenience to users.

As far as online payment is concerned, its payment is fast and convenient, and has many advantages. However, it still has problems such as poor mobility and insecure security.

Mobile payment has been popular in recent years. On the one hand, it is due to the continuous development of mobile payment technology and the continuous improvement of user experience. On the other hand, it is due to the huge number of mobile user groups and huge potential. For example, some service providers have launched mobile payment services based on NFC technology. However, when using the NFC mobile phone payment service, the user needs to own an NFC mobile phone, buy a new one or replace an NFC-SIM card that conforms to the China Mobile communication protocol, and the POS terminal also needs to be modified to a certain extent, which is inconvenient to use.

Contents of the invention

In order to solve the above problems, the present invention proposes a mobile payment method and system based on optical magnetic induction technology. In one embodiment, the payment system involves a mobile application APP, an audio port card reading device (or a built-in camera device in a mobile phone), a secure payment unit, and the like. In one embodiment, the payment method requires the user to download and install the APP application in advance. When collecting the magnetic stripe card information, the audio card reading device can be inserted into the audio port of the mobile phone, and the magnetic stripe card information obtained by the card reading device will be in the form of a list. Displayed on the APP application, the user selects the card on the APP application, and the card information can be digitized and stored in the secure payment unit (the mobile phone’s built-in camera device can also be activated through the mobile application APP to read the card information and stored in the secure payment unit middle). When paying, the user selects the card through the APP application, and each module of the secure payment unit simulates the card information based on the optical magnetic induction technology to generate corresponding magnetic field information. The magnetic head of the POS system records different information by sensing the changing electromotive force. According to this payment method, the user only needs to select the card to be paid through the APP application, and enter the corresponding PIN according to the POS prompt, which is very convenient to operate. On the other hand, for merchants, there is no need to make any modifications to the POS terminal.

According to one aspect of the present invention, a mobile payment system installed on a mobile device (such as a mobile phone, a tablet such as an IPAD, a laptop, etc.) is provided. The mobile payment system includes: a card reading device configured to obtain information on a magnetic stripe card; and a secure payment unit configured to generate changing magnetic field information according to information on the magnetic stripe card, Thereby interacting with the POS terminal.

The above mobile payment system may further include: a control unit configured to activate the card reading device to obtain the information of the magnetic stripe card, and configured to present the information to the user and provide the user with an interface for managing the information .

In the above mobile payment system, the card reading device is a camera device of the mobile device.

In the above mobile payment system, the card reading device is a device installed on the audio port of the mobile device.

In the above-mentioned mobile payment system, the secure payment unit includes: a storage module for converting the information of the magnetic stripe card into digital information and storing the digital information; a light emitting device; a light intensity control module for controlling the light emitting device according to the digital information to generate light information of varying intensity; and an optomagnetic sensing device for generating changing magnetic field information according to the light information of changing intensity generated by the light emitting device.

In the above mobile payment system, the optomagnetic sensing device is installed near the light emitting device and is illuminated by the light emitting device.

In the above mobile payment system, the optical magnetic induction device is a non-conductive transparent film.

In the above mobile payment system, the control unit is a mobile application APP.

According to another aspect of the present invention, an information transmission method using a mobile payment system is provided. The mobile payment system includes a card reading device and a safe payment unit. The transmission method includes: using the card reading device to obtain magnetic stripe card information; and using the secure payment unit to generate changing magnetic field information according to the obtained magnetic stripe card information, thereby interacting with the POS terminal.

The above method may further include: using a mobile application APP of the mobile device to activate the card reading device so as to acquire the information of the magnetic stripe card.

In the above method, the card reading device is a camera device of the mobile device.

In the above method, the card reading device is installed on the audio port or USB port of the mobile device.

In the above method, the step of generating the changing magnetic field information may specifically include: converting the information of the magnetic stripe card into digital information; controlling a light emitting device according to the digital information to generate light information with varying intensity; and according to the light emitting The device produces light information of varying intensity to produce varying magnetic field information.

According to another aspect of the present application, a mobile payment system installed on a mobile device is provided, including: a card reading device configured to obtain information on a magnetic stripe card; and a secure payment unit, the The secure payment unit is configured to generate light information of varying intensity according to the information of the magnetic stripe card, so as to interact with the POS terminal.

The above mobile payment system may further include: a control unit configured to activate the card reading device to obtain the information of the magnetic stripe card, and configured to present the information to the user and provide the user with an interface for managing the information .

In the above mobile payment system, the card reading device is a camera device of the mobile device.

In the above mobile payment system, the card reading device is a device installed on the audio port or USB port of the mobile device.

In the above mobile payment system, the secure payment unit includes: a storage module for converting the information of the magnetic stripe card into digital information and storing the digital information; a light emitting device; and a light intensity control module for The light information of intensity variation is generated by controlling the light emitting device according to the digital information.

According to another aspect of the present application, there is provided a POS terminal interacting with the mobile payment system as claimed in claim 14, wherein the POS terminal includes: an optical magnetic induction device for receiving the mobile payment The light information of intensity change generated by the security payment unit in the system, and the magnetic field information of change according to the light information.

Description of drawings

Those skilled in the art will understand various aspects of the present invention more clearly after reading the detailed description of the present invention with reference to the accompanying drawings. Those skilled in the art should understand that: these drawings are only used to describe the technical solutions of the present invention in conjunction with specific implementation methods, and are not intended to limit the protection scope of the present invention.

Fig. 1 is an interaction diagram of a mobile payment system according to an embodiment of the present invention;

Fig. 2 is a flow chart of the card information storage stage in the mobile payment method according to an embodiment of the present invention; and

Fig. 3 is a flow chart of the transmission phase in the mobile payment method according to an embodiment of the present invention.

detailed description

The following introduces some of the possible embodiments of the present invention, which are intended to provide a basic understanding of the present invention, but are not intended to identify key or decisive elements of the present invention or limit the scope of protection. It is easy to understand that, according to the technical solution of the present invention, those skilled in the art may propose other alternative implementation manners without changing the essence and spirit of the present invention. Therefore, the following specific embodiments and drawings are only exemplary descriptions of the technical solution of the present invention, and should not be regarded as the entirety of the present invention or as a limitation or restriction on the technical solution of the present invention.

Although the present invention describes in detail below how to use a mobile payment system to realize mobile payment without a bank card, those skilled in the art can easily understand that the present invention is not limited thereto. The mobile payment system of the present invention can be installed on any mobile device, including but not limited to mobile phones, IPADs, notebook computers, head-mounted devices and the like. In addition, it must be pointed out that the "mobile payment system" in the present invention does not necessarily need to have the function of "payment", it only needs to have the function of transmitting magnetic stripe card information to the POS terminal. The "bank card" mentioned in the specific examples below (unless it is clearly indicated that it is a savings card or credit card issued by a bank) can be any form of magnetic stripe card with or without payment function, including but not limited to bank savings card, supermarket consumption card, merchant VIP card and credit card, etc. A POS terminal can be understood as any terminal device capable of identifying a changing magnetic field, and the POS terminal can identify information on a magnetic stripe card by analyzing the changing magnetic field.

Before introducing the specific embodiment of the present invention in detail, first introduce the following working principles:

1. The working principle of POS reading ordinary magnetic stripe card information

A magnetic card (white card) is made of a film base of a certain material and a granular magnetic material evenly coated on the film base. When writing a card (manufacturing card), the coil of the recording head of the card writing device will be connected with current. When the magnetic surface of the magnetic card passes through the gap of the recording head at a certain speed, a magnetic field proportional to the current will be generated in the gap, so The magnetic body in the contact portion between the magnetic card and the air gap is magnetized. In other words, the magnetic card in the user's hand has changed the magnetic density (magnetic flux) and the corresponding magnetic field size of the magnetic material at different positions on the magnetic strip during the process of writing the card.

When the user's magnetic card passes through the working magnetic head equipped with a coil on the POS device at a certain speed, the magnetic head coil will generate a changing induced electromotive force under the action of a changing magnetic field, thereby transmitting the recorded signal.

2. The principle of photomagnetic effect

The magneto-optical effect (Magneto-optical effect) refers to the phenomenon that the magnetism of the material (such as magnetic susceptibility, magnetocrystalline anisotropy, hysteresis loop, etc.) changes after light is irradiated on the material. Stephen Land, a professor in the Department of Electrical Engineering and Applied Physics at the University of Michigan, and his colleagues found that, at the right intensity, when light passes through a nonconductive material, the magnetic effect produced by the light field is many times greater than previously expected. . In this case, the strength formed by the magnetic field effect is equivalent to the effect of a strong electric field.

In one embodiment, the present invention provides a mobile phone payment system. As shown in Figure 1, the payment system involves a mobile application APP, a card reading device (such as a built-in camera device in a mobile device), a secure payment unit, and the like. The safe payment unit further includes a storage module, a light intensity control device, and an optical magnetic induction device. The optical magnetic induction device can control and generate a changing magnetic field according to bank card information, so as to simulate the operation of swiping a card on site. The coil of ordinary POS generates a changing induced electromotive force under the action of a changing magnetic field, thereby recording and transmitting the card number information.

In one embodiment, the card reading device may be a built-in camera device of the mobile device. In another embodiment, the card reading device can be inserted into the audio port of the mobile device, and obtain the information of the magnetic stripe card through the card slot of the card reading device.

In one embodiment, the mobile application APP is set to realize the following functions:

1) Activate the camera device to obtain bank card information;

2) Display the card information read by the card reading device;

3) User management card information;

4) When paying, select the card used for payment.

In one embodiment, the secure payment unit at least includes a storage module, a light intensity control module, an optical magnetic induction device and the like. Among them, the storage module is configured to realize the following functions: 1) convert the magnetic stripe card magnetic density information read by the audio card reading device into a digital form and store it; or store the bank card information obtained by the camera after identification; Corresponding to the APP selection, read the digitized card information from the storage module and send it to the light intensity control module. It should be noted that the storage module may be a function module integrated in the mobile application APP, or a control module called by the mobile application APP. The light intensity control module is configured to control the light emitting device (light emitting diode, flashlight) to generate light information with varying intensity according to the varying digital information (card information). It should be pointed out that the light intensity control module can be a function module integrated in the above mobile application APP and triggered by the storage module, or a control module called by the storage module. The optomagnetic sensing device is configured to generate changing magnetic field information according to light information of different intensities generated by light emitting devices (light emitting diodes, flash lamps); and make the changing magnetic field information interact with the magnetic head of the POS. It is also worth pointing out that the photomagnetic induction device is a material that is installed near a light emitting device, can be irradiated by a light emitting device, and can generate a specific changing magnetic field. It can be, for example, some accessories that do not affect the appearance of the mobile phone, such as a non-conductive transparent film.

In another embodiment of the present invention, the mobile payment system installed on the mobile device may include: a card reading device configured to obtain information on a magnetic stripe card; and a secure payment unit, the secure payment The unit is configured to generate light information of varying intensity based on information from said magnetic stripe card for interaction with a POS terminal. Compared with the previous embodiments, the secure payment unit described here generates optical information with varying intensity instead of magnetic information according to the information of the magnetic stripe card. In a specific implementation, the safe payment unit may include: a storage module, used to convert the information of the magnetic stripe card into digital information and store the digital information; a light emitting device; and a light intensity control module, used to The light emitting device is controlled to generate light information of varying intensity.

When using the above mobile payment system that generates light information with varying intensity, a corresponding POS terminal is required to interact with it. In one embodiment, the POS terminal includes: an optical magnetic induction device, which is used for receiving light information of intensity change generated by the security payment unit in the mobile payment system, and generating magnetic field information of change according to the light information. That is to say, the optical magnetic induction device can be located at the POS terminal side, not limited to the mobile payment system side.

In a specific embodiment, the method for data transmission using a mobile payment system includes two stages of card information storage and transmission, and the flow charts and descriptions of each stage are as follows:

(1) Card information storage stage

As shown in Fig. 2, in step 1, the card reading device reads the magnetic stripe card information. In one embodiment, read the magnetic stripe card information that needs to be stored through the card reading device; or activate the camera device through the APP application to obtain the card information and correctly identify and analyze it. In step 2, the obtained magnetic stripe card information is displayed through the APP application, so as to facilitate selection of the bank card to be stored. In the list of all newly added bank cards displayed by the APP application, the user can select the bank cards that need to be stored in the secure payment unit. In step 3, the card information is digitized and stored. In one embodiment, for the magnetic density information acquired by the card reading device, the secure payment unit converts the magnetic density information into a digital form and stores it. In another embodiment, the secure payment unit stores the card information acquired by parsing the camera device as required.

(2) Information transmission stage

Figure 3 shows a flowchart of the transfer phase. As shown in step 1, the user selects a magnetic stripe card (such as a bank card for transactions) for information transmission on the client side. In step 2, the client sends the selected bank card information to the secure payment unit of the mobile phone. In step 3, the card information is read and sent to the light intensity control module. In one embodiment, this step may include: the storage module of the secure payment unit reads out the card information according to the input of the APP application, and sends the changed digital information (card information) to the light intensity control module. In step 4, the light intensity control module of the secure payment unit controls the light emitting device (light emitting diode, flashlight) to generate a light source with varying intensity according to the changing digital information (card information). In step 5, the optomagnetic sensing device of the security payment unit generates changing magnetic field information according to the light information of different intensities generated by the light emitting device (light emitting diode, flashlight). In step 6, the magnetic head of the POS senses the magnetic field with different strengths, generates a changing induced electromotive force, and transmits the recorded signal. In step 7, the user enters the password according to the prompt of the POS, and signs the purchase form to complete the payment.

The specific embodiments above are proposed in the scenario of mobile payment by mobile phone. However, the present invention is not limited thereto. Those skilled in the art can imagine applying the technical solution of the present invention to other mobile scenarios according to the teaching of the present invention. For example, when shopping in a mall, the user can use the technical solution of the present invention to transmit the VIP card information pre-stored in the mobile device to the POS terminal or other card reader terminals in the mall, so that the user can enjoy the VIP card without carrying the VIP card. Shopping offers.

For the user, the mobile payment method according to the present invention can store all the existing magnetic stripe card information of the user, realize the complete slimming of the user's wallet, and provide great convenience. In addition, for merchants, the mobile payment method according to the present invention does not require any software or hardware modifications to POS terminals.

Hereinbefore, specific embodiments of the present invention have been described with reference to the accompanying drawings. However, those skilled in the art can understand that without departing from the spirit and scope of the present invention, various changes and substitutions can be made to the specific embodiments of the present invention. These changes and substitutions all fall within the scope defined by the claims of the present invention.

Claims (19)

1. be arranged on the mobile-payment system on mobile device, comprise:

Card-reading apparatus, described card-reading apparatus is configured to the information obtaining magnetic stripe card; And

Secure payment unit, the Magnetic Field that described secure payment cell location becomes to change according to the information of described magnetic stripe card, thus carry out alternately with POS terminal.

2. mobile-payment system as claimed in claim 1, also comprises:

Control module, described control module is configured to activate described card-reading apparatus thus the information obtaining described magnetic stripe card, and is configured to show this information to user and provides the interface managing this information to user.

3. mobile-payment system as claimed in claim 1, wherein, described card-reading apparatus is the cam device of mobile device.

4. mobile-payment system as claimed in claim 1, wherein, described card-reading apparatus is installed to the audio port of described mobile device or the equipment of USB port.

5. mobile-payment system as claimed in claim 1, wherein, described secure payment unit comprises:

Memory module, for being converted to numerical information by the information of described magnetic stripe card and described numerical information being stored;

Luminaire;

Intensity control module, produces the optical information of Strength Changes for luminaire according to described digital information control; And

Optomagnetic sensing apparatus, the Magnetic Field that the optical information for the Strength Changes produced according to described luminaire changes.

6. mobile-payment system as claimed in claim 5, wherein, described optomagnetic sensing apparatus is arranged near described luminaire, and is irradiated by described luminaire.

7. mobile-payment system as claimed in claim 5, wherein, described optomagnetic sensing apparatus is nonconducting transparent pad pasting.

8. mobile-payment system as claimed in claim 2, wherein, described control module is Mobile solution APP.

9. utilize mobile-payment system to carry out an information transferring method, described mobile-payment system comprises card-reading apparatus and secure payment unit, and described method comprises:

Described card-reading apparatus is utilized to obtain the information of magnetic stripe card; And

Use the Magnetic Field that described secure payment unit changes according to the information of obtained magnetic stripe card, thus carry out alternately with POS terminal.

10. method as claimed in claim 9, also comprises:

Activate described card-reading apparatus thus obtain the information of described magnetic stripe card.

11. methods as claimed in claim 9, wherein, described card-reading apparatus is the cam device of described mobile device.

12. methods as claimed in claim 9, wherein, are installed to audio port or the USB port of mobile device by described card-reading apparatus.

13. methods as claimed in claim 9, wherein, the Magnetic Field that described use described secure payment unit changes according to the information of obtained magnetic stripe card comprises:

The information of described magnetic stripe card is converted to numerical information;

The optical information of Strength Changes is produced according to described digital information control luminaire; And

The Magnetic Field that the optical information of the Strength Changes produced according to described luminaire changes.

14. 1 kinds of mobile-payment systems be arranged on mobile device, comprising:

Card-reading apparatus, described card-reading apparatus is configured to the information obtaining magnetic stripe card; And

Secure payment unit, described secure payment cell location becomes the optical information producing Strength Changes according to the information of described magnetic stripe card, to carry out alternately with POS terminal.

15. mobile-payment systems as claimed in claim 14, also comprise:

Control module, described control module is configured to activate described card-reading apparatus thus the information obtaining described magnetic stripe card, and is configured to show this information to user and provides the interface managing this information to user.

16. mobile-payment systems as claimed in claim 14, wherein, described card-reading apparatus is the cam device of mobile device.

17. mobile-payment systems as claimed in claim 14, wherein, described card-reading apparatus is installed to the audio port of described mobile device or the equipment of USB port.

18. mobile-payment systems as claimed in claim 14, wherein, described secure payment unit comprises:

Memory module, for being converted to numerical information by the information of described magnetic stripe card and described numerical information being stored;

Luminaire; And

Intensity control module, produces the optical information of Strength Changes for luminaire according to described digital information control.

19. 1 kinds are carried out mutual POS terminal with mobile-payment system as claimed in claim 14, it is characterized in that, described POS terminal comprises:

Optomagnetic sensing apparatus, for receiving the optical information of the Strength Changes that secure payment unit produces in described mobile-payment system, and according to the Magnetic Field that described optical information changes.