CN102496111A - Mobile payment system and communication method thereof - Google Patents

Abstract

The invention discloses a mobile payment system and a communication method for the system. The system includes a mobile POS machine and a terminal communication module. It is characterized in that the audio interface of the mobile POS machine is connected to the terminal communication module through an audio cable. Audio interface, the mobile POS machine and the terminal communication module are provided with an audio processing device, wherein the mobile POS machine modulates user data into an audio signal through its audio processing device, and sends the audio signal to the Terminal communication module; the terminal communication module demodulates the received audio signal into user data through its audio processing device, and sends the user data to the bank POS server through the wireless network. According to the present invention, the connection between the mobile POS machine and the terminal communication module is realized based on the audio communication interface, so that the two-way communication can be completed directly by using the audio hardware of the mobile POS machine and the terminal communication module, which is convenient and fast, and no longer sticks to traditional various methods. Complex connections.

Description

Mobile payment system and communication method thereof

technical field

The invention relates to a mobile payment system, in particular to a mobile payment system based on an audio communication interface and a communication method thereof.

Background technique

With the large-scale development of financial digitization, the electronic payment market has grown rapidly and has become a necessary payment method in people's daily life. The emergence of multiple payment forms such as terminal payment, online payment, mobile payment, and telephone payment has accelerated the pace of development of the entire industry. In enterprise business settlement, compared with other forms of transaction settlement, the utilization rate of electronic payment is higher, exceeding 60% in some industries. In electronic payment, the terminal payment method based on account and bank card is currently the most important payment method. Using a bank card or bank account, the user can enter the account through the POS machine or connect the account by swiping the card, and use the paper base to authorize by signature, or complete the authorization by entering a password.

Traditional POS machines are divided into fixed mode and mobile mode. In the fixed mode, the POS machine is connected to the transaction center of the bank through a wired network to complete account transactions. However, as the location of payment services used by merchants continues to expand, fixed POS machine payment services can no longer meet the requirements of payment anytime and anywhere, and mobile POS machines solve this problem. After it is connected with the terminal communication module, it establishes a safe channel with the bank's transaction center through a wireless network (such as GPRS), thereby completing account transactions.

Referring to Fig. 1, Fig. 1 shows the payment communication method of a traditional mobile POS machine. The host of the mobile POS machine has its own display, keyboard and printing modules to complete the input function of user account or bank card, and complete information encryption and authentication through the processor. The processor establishes a connection with the bank POS server through the terminal communication module to complete the communication.

At present, there are generally the following three connection modes between the mobile POS machine and the terminal communication module. The first is the built-in (bus) method, that is, the communication module is installed inside the mobile POS machine to directly complete communication and payment; The mobile phone communication function completes the payment; the third is that the mobile POS machine is connected to the mobile phone and other terminal communication modules through wireless methods (such as Bluetooth, infrared, WiFi and other interfaces), and the mobile phone communication function is used to complete the payment.

Among the above connection methods, the built-in (bus) method needs to add a communication module in the mobile POS machine, which makes the structure of the mobile POS machine complex, power consumption increases, and the cost increases. In addition, the network standard supported by the terminal needs to be considered during use. It is impossible to ensure that the mobile POS machine can establish a wireless connection at any time; as far as the USB wired method is concerned, due to the inconsistent standards of various USB interfaces, it is necessary to add different adapter interfaces to the mobile POS machine, and even need to adapt different drivers for different terminals. program, which increases the complexity and cost of the equipment; for wireless methods, wireless communication technologies such as Bluetooth, infrared, and WiFi can be used, but on the one hand, mobile POS machines are required to support Bluetooth, infrared, and WiFi technologies; on the other hand, terminals such as mobile phones are required The communication module also supports the above-mentioned wireless communication technology, which leads to more complicated device interface and higher cost, and the security of wireless communication cannot be guaranteed.

Contents of the invention

In view of the above problems, the purpose of the present invention is to realize the convenient and fast connection between the mobile POS machine and the terminal communication module, reduce the cost and complexity of the equipment, and effectively ensure the security of data transmission.

The above objects of the present invention are achieved by providing a mobile payment system and a communication method for the system.

According to the first aspect of the present invention, a mobile payment system is provided, including a mobile POS machine and a terminal communication module, wherein the audio interface of the mobile POS machine is connected to the audio interface of the terminal communication module through an audio cable, and the mobile The POS machine and the terminal communication module are provided with an audio processing device, wherein the mobile POS machine modulates user data into an audio signal through its audio processing device, and sends the audio signal to the terminal communication module; The terminal communication module demodulates the received audio signal into user data through its audio processing device, and sends the user data to the bank POS server through the wireless network.

In the first aspect, preferably, the terminal communication module receives the response data from the bank POS server through the wireless network, and modulates the response data into an audio signal through its audio processing device, and sends the audio signal to to the mobile POS machine; the mobile POS machine demodulates the received audio signal into response data through its audio processing device.

Preferably, the audio processing device includes an audio control unit and a codec unit, wherein the audio control unit is used for message interaction with a mobile POS machine or a terminal communication module, and performs overall scheduling control of audio processing; The codec unit is used to realize the two-way conversion of digital signal and audio signal codec.

Preferably, the codec unit uses FSK modulation and demodulation to modulate and demodulate data.

Preferably, the format of the message is defined as follows:

Preferably, the codec unit calibrates the start bit in the FSK transmission according to the following formula:

T (byte start bit transmission time) = T (current time) - [T (current pulse width) - T (2200Hz pulse period/2)] × 2.2

Preferably, the audio processing device further includes a sound playback unit, and the sound playback unit is used to control the playback of the audio hardware of the mobile POS machine or the terminal communication module.

Preferably, the audio processing device further includes a recording unit, and the recording unit is used to realize the reading control of the audio hardware of the mobile POS machine or the terminal communication module.

According to a second aspect, a communication method for a mobile payment system is provided, the system includes a mobile POS machine and a terminal communication module, wherein the audio interface of the mobile POS machine is connected to the audio terminal of the terminal communication module through an audio line Interface, described mobile POS machine, terminal communication module is provided with audio processing device, and described communication method comprises the following steps: described mobile POS machine modulates user data into audio signal by its audio processing device; Described mobile POS machine sending the audio signal to the terminal communication module; the terminal communication module demodulates the received audio signal into user data through its audio processing device; and the terminal communication module transmits the user data through a wireless network Send to the bank POS server.

In the second aspect, preferably, the communication method further includes the following steps: the terminal communication module receives the response data from the bank POS server through a wireless network; The response data is modulated into an audio signal; the terminal communication module sends the audio signal to the mobile POS machine; and the mobile POS machine demodulates the received audio signal into a response data through its audio processing device.

Preferably, the audio processing device uses FSK modulation and demodulation to modulate and demodulate data.

According to the present invention, the connection between the mobile POS machine and the terminal communication module is realized based on the audio communication interface, so that the two-way communication can be completed directly by using the audio hardware of the mobile POS machine and the terminal communication module, which is convenient and fast, and no longer sticks to traditional various methods. Complicated connection methods, and finally use the communication function of the terminal communication module to establish a safe channel with the bank's transaction center to realize account transactions. Compared with the traditional USB connection method, the audio method can use a unified audio cable, and is no longer limited by various USB transmission interface interfaces of the terminal; compared with the traditional Bluetooth, WiFi and other connection methods, the audio method is a wired connection, There are no security issues such as data leakage during the transmission process between the mobile POS machine and the terminal communication module.

Description of drawings

In order to better understand the present invention, the present invention will be further described below with reference to the accompanying drawings. In the attached picture:

Fig. 1 has shown the payment communication mode of traditional mobile POS machine;

Fig. 2 shows the payment communication method based on the audio interface of the mobile POS machine of the present invention;

Fig. 3 is a schematic structural block diagram of an audio processing device;

Fig. 4 is a communication sequence diagram of the mobile payment system of the present invention.

Detailed ways

Referring to Fig. 2, Fig. 2 shows the payment communication method of the mobile POS machine based on the audio interface of the present invention. Wherein, the mobile payment system (shown by the dotted line box) includes a mobile POS machine and a terminal communication module. The audio interface of the mobile POS machine is connected to the audio interface of the terminal communication module through an audio cable, and the terminal communication module is, for example, a mobile phone. The information during the operation of the mobile POS machine can be directly transmitted to the mobile phone through the audio communication interface, and the mobile phone is connected to the bank POS server through the wireless network to form a communication channel for payment. After encrypted data interaction through this channel, the mobile POS machine completes the payment process.

Correspondingly, according to the mobile payment system of the present invention, an audio processing device with the same working principle is added in the mobile POS machine and the mobile phone. The communication data is demodulated from the signal.

Fig. 3 is a schematic structural block diagram of an audio processing device. As shown in FIG. 3 , the audio processing device in the mobile POS machine or terminal communication module (such as a mobile phone) may include, for example, an audio control unit, a codec unit, a playback unit, and a recording unit. Among them, the audio control unit is responsible for the overall scheduling control of audio processing, and at the same time interacts with the mobile POS machine or terminal communication module; the codec unit is responsible for realizing the two-way conversion of digital signal and audio signal codec, preferably, this unit adopts FSK modulation The data is modulated and demodulated by means of demodulation; the playback unit realizes the playback control of the audio hardware of the mobile POS machine or the terminal communication module, and the recording unit realizes the reading control of the audio hardware.

In the present invention, as far as the communication method is concerned, two-way communication is adopted. That is, the uplink passes through the mobile POS machine to the terminal communication module to the bank POS server; the downlink passes through the bank POS server to the terminal communication module to the mobile POS machine.

Referring to Fig. 4, Fig. 4 is a communication sequence diagram of the mobile payment system of the present invention.

Among them, the process of sending messages is as follows:

1. The message sending end (mobile POS machine processor or terminal communication module) sends a message request to the audio processing device;

2. After receiving the request, the audio control unit initiates a codec request to the codec unit and carries data;

3. The audio control unit initiates a playback application to the playback unit, and the playback unit waits for the playback data;

4. The codec unit performs FSK modulation on the data and transmits it to the playback unit;

5. The codec unit feeds back the encoding result to the audio control unit and confirms the playback;

6. After the playback unit receives the playback data, it controls the audio hardware of the mobile POS machine or the terminal communication module to play the audio stream modulated by FSK data.

The process of receiving messages is as follows:

7. The recording unit receives the audio stream information sent by the audio hardware of the mobile POS machine or the terminal communication module;

8. The recording unit reads the audio stream and sends a message request to the audio control unit;

9. The audio control unit initiates a decoding request to the codec unit;

10. The recording unit sends audio data to the codec unit;

11. The codec unit completes FSK decoding according to the received audio data and sends the decoding result and data to the audio control unit;

12. The audio control unit sends the received message data to the mobile POS machine processor or the terminal communication module.

In the above process, the message transmission adopts FSK modulation, the binary data "0" and "1" are modulated into f ₀ and f ₁ respectively, and the transmission mode adopts binary asynchronous serial mode. The format of the message is defined as follows.

Synchronous boot string: composed of N fixed "0" and "1" bits. When the receiving end reads the fixed-length bit sequence, it considers that synchronization is established;

Baotou: set to a fixed character;

Length: the total length of the remaining data except the header, length and checksum;

Message ID: indicates the type of the message;

Valid data: data package content, composed of command code + data body;

Encrypted data: encrypted message transmission for mobile POS machine payment messages;

Checksum: XOR of everything except the checksum field.

In the above process, FSK is in continuous phase, and the frequencies of logic 1 and logic 0 (such as 1200Hz and 2200Hz) are not in multiples. Since the bit stream is an asynchronous serial communication method, and uses the transition time point (falling edge) from 1 to 0 as the start time of a byte transmission, only when the time is accurately detected can FSK be guaranteed to transmit a large number of Decoding is synchronized during byte processing.

The difficulty of detecting the start bit is that the 1200Hz waveform representing 1 and the 2200Hz waveform representing 0 are not multiplied in frequency, so that the change from 1 to 0 may occur at any phase, instead of starting from the 0 phase. This means that when changing from logic 1 to logic 0, a pulse with a width between 1/(2200×2) and 1/(1200×2) is generated.

Theoretically, the rising and falling edges can be determined by using the amplitude-to-time look-up table after AD conversion, but the software and hardware are too complicated. Moreover, the amplitude is more likely to be distorted relative to the frequency after the AD sampling of the sound card.

In the present invention, in order to be adapted to fast software and realize FSK decoding, draw the empirical formula of following calibration synchronization start time point through a large number of statistics and calculations:

T (byte start bit transmission time) = T (current time) - [T (current pulse width) - T (2200Hz pulse period/2)] × 2.2

After the codec unit calibrates the start bit in the FSK transmission according to the above formula, it can perform FSK transmission synchronization, thereby ensuring the reliability of long-term multi-byte FSK decoding.

The advantage of adopting the above process and message format is that they are applicable to the communication between the mobile POS machine and the terminal communication module, thereby realizing the payment function of the mobile POS machine.

Next, the traditional mobile payment process will be compared with the mobile payment process of the present invention. First, describe the traditional mobile payment process as follows:

1. The user uses the mobile POS machine to complete card swiping (or account input) and password input and confirmation, and the mobile POS machine collects user data (such as user transaction data).

2. After the mobile POS machine encrypts the user data, it sends a wireless access request (such as a GPRS access request in a GPRS network) directly through its own wireless module (such as a GPRS communication module) in a wireless environment. Under certain conditions, send user data to a wireless network (such as a GPRS network);

3. The user data is transmitted to the mobile information server through the wireless network, and then aggregated to the application server of the mobile company through the operator's data network;

4. After data processing, the application server sends the data to the bank's firewall through a dedicated line;

5. After data packet security inspection and IP address conversion, user data is sent to the bank POS server;

6. User data is returned to the POS server after being processed by the intermediary business platform and the bank account host;

7. The POS server feeds back the information to the application server of the mobile company;

8. The application server of the mobile company returns the response data to the corresponding mobile information server;

9. The mobile POS machine receives the response data, and if the POS server verifies the user data transaction is correct, the mobile POS machine prints the transaction voucher;

10. The user confirms and signs to complete the transaction.

And according to the mobile payment process of the present invention, the above-mentioned step 2 is changed into the following steps: after the mobile POS machine encrypts the user data, modulates it into an audio signal by its audio processing device, and sends the audio signal to the terminal communication module; After receiving the audio signal, it demodulates the audio signal into user data (encrypted data) through its audio processing device, and sends a wireless access request in a wireless environment (for example, in a GPRS network, using a GPRS wireless module), and when the line is smooth Under certain conditions, send user data to the wireless network (such as GPRS network).

The above-mentioned step 9 is changed to the following steps: after the terminal communication module receives the response data, the response data is modulated into an audio signal by its audio processing device, and the audio signal is sent to the mobile POS machine; after the mobile POS machine receives the audio signal, through Its audio processing device demodulates the audio signal into response data and processes it; and if the POS server verifies the user data transaction is correct, the POS machine prints the transaction voucher. The rest of the steps remain unchanged.

It can be seen that, compared with the traditional mobile POS machine usage mode, according to the present invention, the mobile POS machine can be connected to any terminal at any time, completely independent of the terminal connection mode, wireless return network standard (GSM/CDMA, etc.) ) impact, as long as there is a terminal that can receive the signal, it can be used. Moreover, the present invention is not affected by the support capability of the terminal, does not need a USB port, bluetooth, wireless and other connection methods, and only needs a standard audio interface of a mobile phone.

It will be apparent that the invention described herein may be varied in many ways, and such variations are not to be regarded as departing from the spirit and scope of the invention. Accordingly, all changes obvious to those skilled in the art are intended to be covered by the appended claims.

Claims (11)

1. A kind of mobile payment system, comprises mobile POS machine, terminal communication module, it is characterized in that, the audio interface of described mobile POS machine connects the audio interface of terminal communication module by audio line, in described mobile POS machine, terminal communication module An audio processing device is provided, wherein the mobile POS machine modulates user data into an audio signal through its audio processing device, and sends the audio signal to the terminal communication module; The device demodulates the received audio signal into user data, and sends the user data to the bank POS server through the wireless network. 2. system as claimed in claim 1, is characterized in that, described terminal communication module receives the response data from bank POS server by wireless network, and by its audio processing device, described response data is modulated into audio signal, and The audio signal is sent to the mobile POS machine; the mobile POS machine demodulates the received audio signal into response data through its audio processing device. 3. The system according to claim 1 or 2, wherein the audio processing device includes an audio control unit and a codec unit, wherein the audio control unit is used to communicate with a mobile POS machine or a terminal communication module. Interact and perform the overall scheduling control of audio processing; the codec unit is used to realize the two-way conversion of digital signal and audio signal codec. 4. The system according to claim 3, wherein the codec unit uses FSK modulation and demodulation to modulate and demodulate data. 5. The system according to claim 4, wherein the format of the message is defined as follows:

6. The system according to claim 5, wherein the codec unit calibrates the start bit in the FSK transmission according to the following formula: T (byte start bit transmission time) = T (current time) - [T (current pulse width) - T (2200Hz pulse period/2)] × 2.2 7. The system according to claim 3, wherein the audio processing device further comprises a sound playback unit, and the sound playback unit is used to realize the playback control of the audio hardware of the mobile POS machine or the terminal communication module. 8. The system according to claim 3, wherein the audio processing device further comprises a recording unit, and the recording unit is used to realize the reading control of the audio hardware of the mobile POS machine or the terminal communication module. 9. A communication method for a mobile payment system, the system comprising a mobile POS machine and a terminal communication module, wherein the audio interface of the mobile POS machine is connected to the audio interface of the terminal communication module by an audio cable, and the Mobile POS machine, terminal communication module are provided with audio processing device, and described communication method comprises the following steps: The mobile POS machine modulates user data into an audio signal through its audio processing device; The mobile POS machine sends the audio signal to the terminal communication module; The terminal communication module demodulates the received audio signal into user data through its audio processing device; and The terminal communication module sends the user data to the bank POS server through the wireless network. 10. The communication method according to claim 9, further comprising the steps of: The terminal communication module receives the response data from the bank POS server through the wireless network; The terminal communication module modulates the response data into an audio signal through its audio processing device; The terminal communication module sends the audio signal to the mobile POS machine; and The mobile POS machine demodulates the received audio signal into response data through its audio processing device. 11. The communication method according to claim 9 or 10, characterized in that, the audio processing device modulates and demodulates data by means of FSK modulation and demodulation.

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