阅读说明：本技术 超声声波替代二维码的电子支付方法 (Electronic payment method using ultrasonic sound waves to replace two-dimensional codes ) 是由 刘广松 姚汶兵 于 2021-08-25 设计创作，主要内容包括：本发明公开了一种超声声波替代二维码的电子支付方法,包括以下步骤：移动设备发出超声声波信号,超声声波信号中携带有支付信息；终端听取到移动设备发出的超声声波信号后,完成收款。本发明通过移动设备发出超声声波信号,位于移动设备附近的终端设备,收听到超声声波信号后,根据信号中的支付信息根据信号中的支付信息解译出设备信息和付款通道,直接完成付款操作,既无需支付方展示二维码,对准现有收款设备的摄像装置,又无需收款方拿起扫码装置,十分便捷；同时携带有支付信息令的超声声波信号不会被轻易遮挡,即使在摄像头难以捕捉的地方,超声声波也能轻易达到,解决了受环境因素制约而支付困难的问题。(The invention discloses an electronic payment method for replacing two-dimensional codes by ultrasonic sound waves, which comprises the following steps of: the mobile equipment sends out an ultrasonic sound wave signal, and payment information is carried in the ultrasonic sound wave signal; and after the terminal listens to the ultrasonic sound wave signal sent by the mobile equipment, the collection is completed. According to the invention, the mobile equipment sends out the ultrasonic sound wave signal, the terminal equipment near the mobile equipment receives and hears the ultrasonic sound wave signal, and then the equipment information and the payment channel are interpreted according to the payment information in the signal, so that the payment operation is directly completed, a payer does not need to display a two-dimensional code, the two-dimensional code is aligned to a camera device of the existing collection equipment, and the payee does not need to pick up a code scanning device, so that the method is very convenient and fast; meanwhile, the ultrasonic sound wave signal carrying payment information can not be easily shielded, and the ultrasonic sound wave can also be easily reached even in places where the camera is difficult to capture, so that the problem of difficult payment due to restriction of environmental factors is solved.)

1. An electronic payment method for replacing two-dimensional codes by ultrasonic sound waves is characterized by comprising the following steps:

the mobile equipment sends out an ultrasonic sound wave signal, wherein the ultrasonic sound wave signal carries payment information;

and after the terminal listens to the ultrasonic sound wave signal sent by the mobile equipment, the collection is completed.

2. The electronic payment method replacing two-dimensional codes by ultrasonic sound waves as claimed in claim 1, wherein a payment system background server reads payment information and terminal equipment information, confirms the information and completes a transaction.

3. The electronic payment method adopting ultrasonic sound waves to replace two-dimensional codes according to claim 2, wherein before the terminal finishes payment collection, the background server sends payment collection information to the mobile device, and payment collection is carried out after confirmation of a payer.

4. The electronic payment method adopting ultrasonic sound waves to replace two-dimensional codes according to claim 2, wherein the ultrasonic sound waves also carry ultrasonic sound wave transmitting time, the terminal obtains the distance between the terminal and the mobile device through calculation according to the receiving time, the distance is uploaded to a background server, and the server selects the terminal closest to the mobile device for interaction.

5. The electronic payment method replacing two-dimensional codes by ultrasonic sound waves as claimed in claim 2, wherein the payment information is interpreted by a background server, conforms to a privacy protocol of a payment APP and is destroyed after payment is completed.

6. The electronic payment method using ultrasonic sound waves to replace two-dimensional codes according to claim 1, wherein during payment, a payer wakes up a payment APP and sends out ultrasonic payment information through the payment APP.

7. The electronic payment method adopting ultrasonic sound waves to replace two-dimensional codes according to claim 6, wherein the emission of the payment APP ultrasonic sound wave signals can be edited to form a shortcut instruction and is presented on an interactive interface of a mobile device.

8. The electronic payment method adopting ultrasonic sound waves to replace two-dimensional codes according to claim 6, wherein the emission of the payment APP ultrasonic sound wave signals can be edited to form a shortcut instruction, and a payer carries out an action instruction by carrying mobile equipment to trigger the shortcut instruction.

9. The electronic payment method using ultrasonic sound waves to replace two-dimensional codes according to claim 1, wherein the payment information comprises mobile equipment information and a payment channel.

Technical Field

The invention relates to an electronic payment method for replacing two-dimensional codes by ultrasonic sound waves, and belongs to the technical field of payment.

Background

The electronic payment means that a unit and an individual directly or authorize other people to send out payment instructions through an electronic terminal to realize the actions of money payment and fund transfer. The types of electronic payments are classified into online payments, telephone payments, mobile payments, point-of-sale terminal transactions, automated teller machine transactions, and other electronic payments, according to the manner in which the electronic payment instruction is initiated.

With the continuous improvement of hardware equipment and the continuous enhancement of software networks, electronic payment is more and more favored by people because of no need of carrying a wallet and paying change; one current way of electronic payment is: the user opens the payment APP, the payment two-dimensional code carrying the equipment information and the payment channel is displayed, and the merchant scans the two-dimensional code to complete collection; however, in situations where the payment environment is complex, such as: when many people pay simultaneously, because the discernment can be accomplished to the two-dimensional code image side that must scan to the payment APP, under the condition that the two-dimensional code is sheltered from by other people, need wait for other people to pay and finish just can pay again, the convenience of electronic payment is difficult to show.

Disclosure of Invention

The invention aims to provide an electronic payment method for replacing a two-dimensional code with ultrasonic sound waves, and the payment method solves the problems that in the prior art, payment of the two-dimensional code is limited by a payment environment, and payment is difficult under the condition that the two-dimensional code is invisible.

In order to achieve the purpose, the invention adopts the technical scheme that: an electronic payment method for replacing two-dimensional codes by ultrasonic sound waves comprises the following steps:

the mobile equipment sends out an ultrasonic sound wave signal, wherein the ultrasonic sound wave signal carries payment information;

and after the terminal listens to the ultrasonic sound wave signal sent by the mobile equipment, the collection is completed.

The further improved scheme in the technical scheme is as follows:

1. in the scheme, the payment system background server reads the payment information and the terminal equipment information, confirms the information and completes the transaction.

2. In the scheme, before the terminal finishes collecting the money, the background server sends the money collecting information to the mobile equipment, and the payer collects the money after confirming the money.

3. In the scheme, the ultrasonic sound wave signal also carries ultrasonic sound wave transmitting time, the terminal calculates the distance between the terminal and the mobile device according to the receiving time, the distance is uploaded to the background server, and the server selects the terminal closest to the mobile device for interaction.

4. In the scheme, the payment information is interpreted by the background server, follows the privacy protocol of the payment APP and is destroyed after the payment is finished.

5. In the above scheme, during payment, the payer wakes up the payment APP and sends out ultrasonic payment information through the payment APP.

6. In the above scheme, the emission of the payment APP ultrasonic sound wave signal can be edited to form a shortcut instruction and is presented on the interactive interface of the mobile device.

7. In the above scheme, the emission of payment APP ultrasonic sound wave signal can be edited to form a shortcut instruction, and the payer carries out action instruction triggering shortcut instruction through carrying mobile equipment.

8. In the above scheme, the payment information includes mobile device information and a payment channel.

Due to the application of the technical scheme, compared with the prior art, the invention has the following advantages:

1. the electronic payment method of replacing the two-dimensional code with the ultrasonic sound wave has the advantages that the ultrasonic sound wave signal is sent by the mobile equipment, the terminal equipment near the mobile equipment receives and hears the ultrasonic sound wave signal, the equipment information and the payment channel are interpreted according to the payment information in the signal and the payment information in the signal, the payment operation is directly finished, the payment party does not need to display the two-dimensional code, the camera device of the existing collection equipment is aligned, and the collection party does not need to take up the code scanning device, so that the electronic payment method is very convenient; meanwhile, the ultrasonic sound wave signal carrying payment information can not be easily shielded, and the ultrasonic sound wave can also be easily reached even in places where the camera is difficult to capture, so that the problem of difficult payment due to restriction of environmental factors is solved.

2. The electronic payment method using the ultrasonic sound waves to replace the two-dimensional codes confirms the payment information through the background server of the payment system, completes the transaction, avoids authorizing the payment authority to the terminal, and ensures the confidentiality and the safety of the information of the payment party equipment and the payment channel.

3. The electronic payment method using the ultrasonic sound waves to replace the two-dimensional codes further comprises the steps of forming a quick command by transmitting and editing payment information, quickly triggering the ultrasonic sound waves with the payment information in a manner of shaking a mobile phone or a quick button, opening an APP after a payer activates the mobile phone, and clicking a transmitting button, so that the electronic payment method is more convenient to operate and has shorter response time.

4. According to the rapid payment method and system based on the ultrasonic sound waves, the terminal with the shortest distance is selected as the payee through ultrasonic distance measurement, so that the payment safety is improved, and other users who do not need to transact are prevented from triggering the mobile phone APP after receiving the ultrasonic sound wave signals.

Detailed Description

Example 1: an electronic payment method for replacing two-dimensional codes by ultrasonic sound waves comprises the following steps:

s1: establishing a shortcut instruction of ultrasonic emission in a payment APP of a payer, editing the shortcut instruction of the payment APP into a mobile equipment system, and triggering the shortcut instruction of ultrasonic sound wave emission in a shaking mode;

here, the mobile device is a mobile phone, a smart watch, or the like.

S2: when payment is to be made, the mobile phone is shaken to trigger a quick instruction, and after the mobile phone and the payment APP are activated, the payment APP controls the mobile phone loudspeaker unit to emit ultrasonic sound waves carrying payment information;

the payment information comprises information such as equipment data, payment channels and authorization permission, and the actually carried information is determined according to different payment APPs.

S3: after the ultrasonic signal carrying the payment information is heard by the terminal opened by the payee, the payment information is uploaded to a background server of the payment system, the payment APP analyzes the input payment information according to a preset interpretation program, and then the device information and the payment channel of the mobile phone are called according to the payment information and a pre-signed confidentiality protocol to finish the deduction.

Example 2: an electronic payment method for replacing two-dimensional codes by ultrasonic sound waves comprises the following steps:

s1: establishing an ultrasonic emission shortcut instruction in a payment APP of a payer, editing the payment APP shortcut instruction into a main interface of mobile equipment to form a desktop shortcut button, and triggering the ultrasonic sound wave shortcut instruction by clicking the shortcut button by a user;

here, the mobile device is a mobile phone, a smart watch, or the like.

S2: when payment is to be made, activating the mobile phone, clicking the shortcut button, triggering a shortcut instruction, and after the payment APP is activated, controlling the mobile phone loudspeaker unit to emit ultrasonic sound waves carrying payment information by the payment APP;

the payment information comprises information such as equipment data, payment channels and authorization permission, and the actually carried information is determined according to different payment APPs.

S3: after the ultrasonic signal carrying the payment information is heard by the terminal opened by the payee, the payment information is uploaded to a background server of the payment system, the payment APP analyzes the input payment information according to a preset interpretation program, and then the device information and the payment channel of the mobile phone are called according to the payment information and a pre-signed confidentiality protocol to deduct money.

S4: before deducting money, the background server sends the deduction information to a mobile phone of a payer, the payer confirms payment and then receives the money, and when the money is received, the payment information is destroyed according to a payment APP confidential protocol which is signed and written in advance, so that personal information and payment channel leakage are avoided.

Example 3: an electronic payment method for replacing two-dimensional codes by ultrasonic sound waves comprises the following steps:

s1: the terminal continuously sends out low-frequency ultrasonic signals, after the paying party carries the mobile phone to listen to the ultrasonic signals, the distance between the mobile phone and the terminal is calculated, and the mobile phone and the payment APP are automatically activated after the paying party enters a range according to a preset payment distance;

here, the propagation distance of the low-frequency ultrasonic signal is limited, and unnecessary power consumption caused by receiving the low-frequency ultrasonic signal by a mobile phone with a longer distance is avoided;

particularly, the mobile phone with the shortest distance is selected as the party to be paid, so that the payment accuracy is further improved.

S2: the payment APP controls the mobile phone loudspeaker unit to send out an ultrasonic sound wave signal carrying payment information;

the payment information comprises information such as equipment data, payment channels and authorization permission, and the actually carried information is determined according to different payment APPs.

S3: after the ultrasonic signal carrying the payment information is heard by the terminal opened by the payee, the payment information is uploaded to a background server of the payment system, the payment APP analyzes the input payment information according to a preset interpretation program, and then the device information and the payment channel of the mobile phone are called according to the payment information and a pre-signed confidentiality protocol to deduct money.

S4: before deducting money, the background server sends the deduction information to a mobile phone of a payer, the payer confirms payment and then receives the money, and when the money is received, the payment information is destroyed according to a payment APP confidential protocol which is signed and written in advance, so that personal information and payment channel leakage are avoided.

Example 4: an electronic payment method for replacing two-dimensional codes by ultrasonic sound waves comprises the following steps:

s1: establishing an ultrasonic emission shortcut instruction in a payment APP of a payer, editing the payment APP shortcut instruction into a main interface of mobile equipment to form a desktop shortcut button, and triggering the ultrasonic sound wave shortcut instruction by clicking the shortcut button by a user;

here, the mobile device is a mobile phone, a smart watch, or the like.

S2: after the mobile phone is activated, the payment APP controls the mobile phone loudspeaker unit to send out an ultrasonic sound wave signal carrying payment information;

the payment information comprises information such as equipment data, payment channels, authorization permission and the like, and the actually carried information is determined according to different payment APPs;

the ultrasonic sound wave signal also carries ultrasonic emission time, after the terminal receives the emission time, the relative distance between the terminal and the mobile phone is calculated according to the flight time, the distance is uploaded to the server, and the server selects the mobile phone which is located in the payment range or is closest to the payment range as an interactive object.

S3: after the ultrasonic signal carrying the payment information is heard by the terminal opened by the payee, the payment information is uploaded to a background server of the payment system, the payment APP analyzes the input payment information according to a preset interpretation program, and then the device information and the payment channel of the mobile phone are called according to the payment information and a pre-signed confidentiality protocol to deduct money.

S4: before deducting money, the background server sends the deduction information to a mobile phone of a payer, the payer confirms payment and then receives the money, and when the money is received, the payment information is destroyed according to a payment APP confidential protocol which is signed and written in advance, so that personal information and payment channel leakage are avoided.

By adopting the scheme, the mobile equipment sends the ultrasonic sound wave signal, the terminal equipment near the mobile equipment interprets the equipment information and the payment channel according to the payment information in the signal after receiving the ultrasonic sound wave signal and the payment information in the signal, directly completes the payment operation, does not need the payer to display the two-dimensional code, aims at the camera device of the existing collection equipment, and does not need the collection party to pick up the code scanning device, thus being very convenient; meanwhile, the ultrasonic sound wave signal carrying payment information can not be easily shielded, and the ultrasonic sound wave can also be easily reached even in places where the camera is difficult to capture, so that the problem of difficult payment due to restriction of environmental factors is solved.

In addition, the background server of the payment system confirms the payment information to complete the transaction, thereby avoiding authorizing the payment authority to the terminal and ensuring the confidentiality and the safety of the information of the payment party equipment and the payment channel.

In addition, through forming swift instruction with payment information's transmission editing, shake the mode of a hand set or swift button and trigger the supersound sound wave that has payment information fast, need not after the payer activates the cell-phone, open APP, click the transmission button again, it is more convenient to operate, and response time is shorter.

In addition, the terminal with the shortest distance is selected as the payee, so that the payment safety is improved, and other users who do not need to transact are prevented from triggering the mobile phone APP after receiving the ultrasonic sound wave signal.

The above embodiments are merely illustrative of the technical ideas and features of the present invention, and the purpose thereof is to enable those skilled in the art to understand the contents of the present invention and implement the present invention, and not to limit the protection scope of the present invention. All equivalent changes and modifications made according to the spirit of the present invention should be covered within the protection scope of the present invention.