Mobile payment system and communication method thereof

Abstract

The invention discloses a mobile payment system and a communication method for the mobile payment system. The mobile payment system comprises a mobile point-of-sale (POS) machine and a terminal communication module, and is characterized in that: an audio interface of the mobile POS machine is connected with an audio interface of the terminal communication module through an audio wire, an audio processing device is respectively arranged inside the mobile POS machine and the terminal communication module, the mobile POS machine modulates user data to be an audio signal through the audio processing device and transmits the audio signal to the terminal communication module; and the terminal communication module demodulates the received audio signal to the user data through the audio processing device and transmits the user data to a bank POS server through a wireless network. Due to the adoption of the mobile payment system and the communication method, the connection between the mobile POS machine and the terminal communication module is realized on the basis of the audio communication interface, so audio hardware of the mobile POS machine and the terminal communication module can be directly used for completing the bi-directional communication, so convenience and rapidness can be realized, and the mobile payment system is not constrained by different traditional complex connection ways.

Description

technical field [0001] 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 [0002] 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 ...

AI Technical Summary

Problems solved by technology

[0006] 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 technologies, resulting in more complex device interfaces and higher costs, and the security of wireless communication cannot be guaranteed

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