CN103377518B - Payment devices and method of payment - Google Patents

Abstract

The invention discloses a payment device and a payment method. The payment device is connected to a mobile device through an audio device, and a signal processing module converts an audio signal into a digital signal and outputs it to the payment device, and converts the digital signal into an audio signal and outputs it to the mobile device to realize payment. Information exchange between the device and the mobile device through audio signals; through the above technical solutions, the present invention solves the problem that the electronic payment system in the prior art relies on a computer and is inconvenient to carry, and many mobile devices do not have a USB interface and cannot realize payment; at the same time Before the signal is processed, it also includes identifying the microphone pole and the ground pole of the audio interface, so as to solve the problem that the position of the microphone pole and the ground pole in the audio interface of different audio devices may be different, resulting in the failure of data communication between the audio device and the payment device.

Description

Payment device and payment method

technical field

The invention relates to the field of mobile payment, in particular to a device and a payment method for realizing payment through an audio interface.

Background technique

At present, electronic payment channels are more and more widely used. The existing electronic payment methods are almost all connected to the computer through the USB interface, which can be roughly divided into the following types: Internet-based online payment, POS machine-based payment, and some smart-based payment methods. Mobile payment.

However, there are serious hidden dangers in online payment such as viruses and hackers. In addition, online payment and POS machine payment rely on computers, which is not conducive to portability. Although smart phone-based payment methods are convenient to carry, but smart phone-based Payment has relatively high requirements on hardware and software, which can only be used by some mobile phones. Moreover, the USB interface specifications of general mobile devices are not uniform, so it is difficult to be widely used.

Contents of the invention

The invention provides a payment device and a payment method, which can be connected through an audio interface to realize payment, and solve the problem that the existing electronic payment relies on computers and has risks, and the smart phone-based payment method has high requirements for hardware and software, which makes it difficult to be widely used.

In order to solve the problems of the technologies described above, the present invention adopts the following technical solutions:

A payment device that performs data interaction with an audio device through an audio interface of the audio device, including a main control module, a signal processing module, and a card swiping module; the card swiping module is used to read card information and output the card information to the main In the control module; the signal processing module, connected to the main control module, is used to receive audio signals, convert the audio signals into digital signals and output them to the main control module, and convert the digital signals received from the main control module The signal is converted into an audio signal and output to the audio device; the main control module is used to process the payment service.

In an embodiment of the present invention, the signal processing module includes a control module of the audio interface microphone pole and ground pole, an audio signal receiving module, a first audio signal conversion module, a second audio signal conversion module and an audio signal sending module, the The audio signal receiving module is docked with the channel pole of the audio interface, wherein the control module of the microphone pole and the ground pole of the audio interface is used to identify the microphone pole and the ground pole of the audio interface, and the audio signal sending module docking with the identified microphone pole, and docking the ground potential with the identified ground pole; the audio signal receiving module is used to receive the audio signal from the audio device through the channel pole of the audio interface; the first The audio signal conversion module is used to convert the audio signal from the audio device into a digital signal; the second audio signal conversion module is used to convert the digital signal to be sent to the audio device into an audio signal; the audio signal The sending module is used to send the audio signal converted from the digital signal to be sent to the audio device to the audio device through the microphone pole of the audio interface.

In an embodiment of the present invention, the second audio signal conversion module is a current-mode digital-to-analog conversion module.

In an embodiment of the present invention, the current-mode digital-to-analog conversion module sends the converted audio signal to the audio device by drawing current from the microphone pole of the audio interface.

In an embodiment of the present invention, the control module of the microphone pole and the ground pole of the audio interface includes: an acquisition module, which is used to acquire the position of each pole of a pair of audio input poles in the audio interface of the audio device after the recording channel is turned on. An electrical signal; an identification module, used to identify the microphone pole and ground pole according to the electrical signal of each pole in the pair of audio input poles; a port switching module, used for after the identification module identifies the microphone pole and the ground pole, The audio signal sending unit is connected to the microphone electrode, and the ground potential is connected to the ground electrode.

In an embodiment of the present invention, the acquisition module is a voltage domain conversion module, configured to establish a current channel between the pair of audio input poles, connect the reference ground potential to the node of the current channel, and obtain the A relative voltage value of each pole in a pair of audio input poles relative to the reference ground potential.

In an embodiment of the present invention, the identification module includes a first identification sub-module, which is used to detect the positive and negative characteristics of the relative voltage values of each pole in the pair of audio input poles, and identify the microphone pole and the microphone pole according to the detection result. Describe the poles. The identification module also includes a second identification sub-module, which is used to compare the relative voltage value of each pole in the pair of audio input poles with the reference ground potential, and output a digital level signal according to the respective comparison results a logic judgment module, configured to identify the microphone pole and the ground pole according to the two digital level signals output by the second identification submodule.

In an embodiment of the present invention, the payment device further includes a biometric identification module, the biometric identification module is used to read the biological information of the human body, and output the read biological information to the main control module for processing.

In an embodiment of the present invention, the biological information includes one or more of fingerprints, facial makeup, eye masks, and voices.

In an embodiment of the present invention, the payment device further includes a human-computer interaction module, configured to input payment information to the main control module and display related information.

In an embodiment of the present invention, the payment device further includes a card swiping module, which is used to read one or more types of card information from magnetic stripe cards, contact IC cards and non-contact IC cards.

In an embodiment of the present invention, the main control module includes a cryptographic chip, and the cryptographic chip encrypts the payment information according to a key algorithm.

In an embodiment of the present invention, the payment device further includes a terminal security control module (hereinafter referred to as PSAM module), which is used to encrypt information, and output the encrypted information to the main control module for processing.

In an embodiment of the present invention, the PSAM module can be inserted into at least one terminal security control module card (hereinafter referred to as PSAM card).

A payment system, comprising the aforementioned payment device and an audio device, the audio device is connected to the payment device through an audio interface, and is used to connect to a network for communication, and to send relevant instruction information to the payment device; the payment device , for receiving the instruction information and completing the payment operation according to the instruction information.

A mobile payment method, comprising: a payment device is connected to an audio device, wherein the payment device includes a main control module, a card swiping module and a signal processing module; the audio device sends a payment command to the signal processing module through an audio signal; the signal The processing module converts the received audio signal into a digital signal, and sends it to the main control module; the main control module generates a card swiping command and outputs it to the card swiping module; the card swiping module reads the card information, and sends the card The information is output to the main control module; the main control module processes the information and sends it to the information processing module; the information processing module converts the received information into audio information and outputs it to the audio device.

In an embodiment of the present invention, the connection between the payment device and the audio device includes: identifying the microphone pole and the ground pole in the audio interface, connecting the audio signal sending unit to the identified microphone pole, and connecting the ground potential to the identified ground pole Docking, dock the audio signal receiving unit with the channel pole of the audio interface.

In an embodiment of the present invention, a current-mode digital-to-analog conversion module is used to convert the digital signal to be sent to the audio device into an audio signal.

In an embodiment of the present invention, the current-type digital-to-analog conversion module sends the converted audio signal to the audio device by drawing current from the microphone pole of the audio interface.

In an embodiment of the present invention, the method of identifying the microphone pole and the ground pole in the audio interface, connecting the audio signal sending unit with the identified microphone pole, and connecting the ground potential with the identified ground pole includes: obtaining the After the audio device opens the recording channel, the electrical signal of each pole in a pair of audio input poles in its audio interface; the microphone pole and the ground pole are identified according to the electrical signals of each pole in the pair of audio input poles.

In an embodiment of the present invention, the method for obtaining the electrical signals of each pole in the pair of audio input poles is: establishing a current channel between the pair of audio input poles, and connecting the reference ground potential to the current channel In the node of , the relative value of the voltage of each pole of the pair of audio input poles relative to the reference ground potential is obtained.

In an embodiment of the present invention, the method for identifying the microphone pole and the ground pole according to the electrical signals of each pole in the pair of audio input poles is: comparing the relative voltage values of each pole in the pair of audio input poles with the The reference ground potential is compared, and a digital level signal is respectively obtained according to the respective comparison results; the microphone pole and the ground pole are identified according to the obtained two digital level signals.

In an embodiment of the present invention, before the main control module processes the information, it also includes reading and displaying the payment information input by the human-computer interaction module.

In an embodiment of the present invention, before the main control module processes the information, it also includes the main control module sending an identification command to the biometric module, and the biometric module reads the biological information of the human body and sends it to the main control module; wherein, the Biological information includes one or more of fingerprints, facial makeup, eye masks, and voices.

In an embodiment of the present invention, the method for processing information includes receiving payment information through a cryptographic chip or/and terminal security control module and performing encryption processing on the payment information.

The beneficial effect of the present invention is that the payment device is connected through the audio interface, and can be compatible with different mobile terminal devices equipped with the audio interface to realize the payment function. In addition, the card swiping module of this device can read magnetic stripe cards, contact IC cards, and non-contact IC cards, so as to meet the different needs of users. This device provides a variety of encryption methods, which can be encrypted by chip encryption algorithm or by PSAM card, which can facilitate the expansion of subsequent functions.

Description of drawings

FIG. 1 is a schematic diagram of a payment device provided by an embodiment of the technical solution;

Fig. 2 is a schematic diagram of a signal processing module in the payment device shown in Fig. 1;

Fig. 3 is the schematic diagram of the control module of audio interface microphone pole and ground pole in the signal processing module shown in Fig. 2;

Fig. 4 is another schematic diagram of the control module of the audio interface microphone pole and the ground pole in the signal processing module shown in Fig. 2;

Fig. 5 is another schematic diagram of the control module of the audio interface microphone pole and the ground pole in the signal processing module shown in Fig. 2;

6 is a schematic diagram of a first audio signal conversion module in the signal processing module shown in FIG. 2;

FIG. 7 is a schematic diagram of a second audio signal conversion module in the signal processing module shown in FIG. 2;

Fig. 8 is a schematic diagram of the payment system provided by the embodiment of the technical solution;

Fig. 9 is a flow chart of the payment method of the payment system shown in Fig. 8;

FIG. 10 is a flowchart of a signal processing method of the signal processing module shown in FIG. 8 .

detailed description

The main idea of the present invention is to use the audio interface to connect the payment device, so that the payment device does not depend on the computer, and the payment can be realized on the mobile terminal without the USB interface. Before using the audio interface for data communication, first identify the microphone pole and ground pole in the audio interface, and then connect the audio signal sending unit in the external device with the identified microphone pole, and connect the status of the external device with the identified ground pole Docking, after the correct docking, combined with digital-to-analog/analog-to-digital conversion to perform data communication between the external device and the audio device, so that the payment device can be commonly used on different audio devices.

As shown in Figure 1, it is a schematic diagram of the payment device provided by the embodiment of the technical solution; the payment device includes a main control module 1, a card swiping module 2 and a signal processing module 3; the card swiping module 2 is used to read card information and Output the card information to the main control module 1; the signal processing module 3, connected to the main control module 1, is used to receive the audio signal, and convert the audio signal into a digital signal and output it to the main control module Module 1, and convert the digital signal received from the main control module 1 into an audio signal output to an audio device; wherein, the audio device can include mobile terminal devices such as mobile phones, notebooks, and tablet computers; the main control module 1 , used to process the information. The payment device may also include a power module 7 for providing power. When payment is required, the signal processing module 3 receives the payment command sent by the audio device, and the payment command is transmitted to the signal processing module 3 through an audio signal, and the signal processing module 3 converts the received audio signal (payment command) It is a payment command of a digital signal, and is output to the main control module 1, and the main control module 1 sends a signal to notify the card swiping module 2 to prepare for swiping the card; the card swiping module 2 reads the card information, wherein the card swiping module 2 Can read magnetic stripe card, contact IC card, non-contact IC card or other forms of cards, and output the card information read to the main control module 1, at this time, the signal processing module 3 Receiving the input payment information, the payment information can include payment amount, payment password and other information, the payment information is also transmitted to the signal processing module 3 in the form of audio signal, and the main control module 1 passes the password The chip encrypts all received information using an encryption algorithm, and then sends the encrypted information to the signal processing module 3; the signal processing module 3 converts the encrypted information into an audio signal, and then passes The audio interface sends to the audio device.

In this way, the payment device does not depend on the computer, and can realize the payment through the terminal device that is convenient to carry, and can realize the payment without connecting through the USB interface. Moreover, the payment device encrypts the payment information, effectively prevents viruses and hackers, and ensures more secure payment. Safety.

In another embodiment, the payment device may also include a PSAM module 4, which is used to encrypt payment information. During the payment process, the main control module 1 does not encrypt information, and directly outputs all payment information to the PSAM card module 4. Among them, the PSAM card module 4 encrypts the payment information, and then sends it back to the main control module 1; further, the PSAM module 4 can insert one or more PSAM cards to meet the requirements of various card types. encryption requirements. In this way, the PSAM module 4 is connected to the main control module for encryption, which can provide convenience for subsequent function expansion.

In another embodiment, the payment device can also include a human-computer interaction module 5, and the payment information can be directly input and displayed through the human-computer interaction module 5, and output to the main control module at the same time. The next step is processed, so that the success rate of payment can be improved.

In another embodiment, the payment device can also include a biometric identification module 6. After reading the card information, the main control module 1 can start the biometric identification module 6 as required to read human body biometric information, such as fingerprints, facebooks, One or more of the eye mask, sound, etc., and then send the information to the main control module for processing. Because a lot of human biological information such as fingerprints, facial makeup, eye mask, voice, etc. are unique and difficult to copy, use human biological information as password information, read human biological information for password comparison, and prevent password information from being stolen. Stealing can further ensure the security of electronic information.

As shown in Figure 2, it is a schematic diagram of a signal processing module in the payment device shown in Figure 1; the signal processing module includes a control module 31 of an audio interface microphone pole and a ground pole, an audio signal receiving unit 32, and a first audio signal conversion module 33 , a second audio signal conversion module 34 and an audio signal sending unit 35 . The control module 31 of the microphone pole and the ground pole of the audio interface is used to identify the microphone pole and the ground pole of the audio interface. Connect the audio signal sending unit 35 to the identified microphone pole with the reference ground potential of the audio device, so as to establish a sending channel for the signal processing module to send data to the audio device. Since the positions of the channel poles (including left/right/MOMO channels) in the audio interface are usually fixed, the audio signal receiving unit in the external device and the channel pole of the audio interface can be connected after the audio equipment opens the recording channel. The docking is automatically completed, and the receiving channel for the signal processing module to receive data from the audio device is established. The audio signal receiving unit 32 is used to receive the audio signal from the audio device through the channel pole of the audio interface, and transmits the received audio signal to the first audio signal conversion module 33, and the first audio signal conversion module 33 is used to convert the audio signal from the audio device The audio signal is converted into a digital signal, the second audio signal conversion module 34 is used to convert the digital signal to be sent to the audio device into an audio signal, and the audio signal sending unit 35 is used to pass the microphone pole of the audio interface through the second audio signal. The audio signal converted by the signal conversion module 34 is sent to the audio device.

As shown in FIG. 3 , it is an implementation of the control module 1 of the microphone pole and the ground pole of the audio interface in the signal processing module shown in FIG. 2 , which includes an acquisition module 131 , an identification module 132 and a port switching module 133 . Among them, the acquisition module 131 is used to acquire the electrical signals of each pole in a pair of audio input poles in the audio interface after the audio device opens the recording channel, and the identification module 132 is used to identify the microphone pole according to the electrical signals of the two poles acquired by the acquisition module 131. And the ground pole, the port switching module 133 is used to automatically connect the ground potential of the signal processing module's own equipment with the identified ground pole after the identification module 132 identifies the microphone pole and the ground pole, so as to unify the signal processing module and the audio equipment. Referring to the ground potential, the audio signal sending unit 35 is automatically connected to the identified microphone pole.

As shown in FIG. 4 , it is another implementation of the control module 1 of the audio interface microphone pole and the ground pole in the signal processing module shown in FIG. 2 . It includes a voltage domain conversion module 141 and a first identification submodule 142 . After the voltage domain conversion module 141 turns on the recording channel with the help of the existing audio equipment, the mic pole has the precondition that the voltage of the microphone pole is higher than the ground pole, and a current channel is established between the pair of audio input poles in its audio interface. The potential is connected to the node of the current channel, and the relative voltage value of each pole of the pair of audio input poles relative to the reference ground potential is obtained. The reference ground potential refers to the common ground potential of the external equipment and the control module. After the device turns on the recording channel, the microphone pole has a higher voltage than the ground pole. Therefore, on the current channel established by the voltage domain conversion module 141, the current must flow from the microphone pole to the ground pole, and the reference ground potential is 0, then the microphone pole The relative voltage value of the pole relative to the reference ground potential must be a positive value, and the relative voltage value of the ground pole relative to the reference ground potential must be a negative value. Therefore, the output of the voltage domain conversion module 141 is a positive relative voltage value and A negative voltage relative value. The first identification sub-module 142 identifies the microphone pole and the ground pole by detecting the positive and negative characteristics of the relative voltage value, the positive one is the microphone pole, and the negative one is the ground pole.

As shown in FIG. 5 , it is another implementation of the control module 1 of the microphone pole and the ground pole of the audio interface in the signal processing module shown in FIG. 2 . This embodiment is different from the embodiment shown in FIG. 4 in that the first identification submodule 152 of the embodiment shown in FIG. The pole and ground control module 1 includes a voltage domain conversion module 141 , a second identification sub-module 151 and a logic judgment module 152 . After the voltage domain conversion module 141 still uses the existing audio equipment to open the recording channel, the microphone pole has the precondition of a voltage higher than the ground pole, and a current channel is established between the pair of audio input poles in its audio interface. The ground potential is connected to the node of the current channel, and the relative voltage value of each pole of the pair of audio input poles relative to the reference ground potential is obtained. The second identification sub-module 151 includes two comparison modules, the first comparison module 151a and the second comparison module 151b, the first comparison module 151a is used to compare a voltage relative value output by the voltage domain conversion module 141 with the reference ground potential, according to The comparison result outputs a digital level signal; the second comparison module 151b is used to compare another voltage relative value output by the voltage domain conversion module 141 with the reference ground potential, and output another digital level signal according to the comparison result. The logic judgment module 152 is used to identify the microphone pole and the ground pole according to the digital level signals output by the first comparison module 151a and the second comparison module 151b. Assume that the comparison rule of the first comparison module 151a and the second comparison module 151b is that when the relative value of the voltage is greater than the reference ground potential, the output level is 1, and when the relative value of the voltage is less than the reference ground potential, the output level is 0 (in practical applications , or vice versa), then when the output of the first comparison module 151a and the second comparison module 151b is level 0, it indicates that the audio equipment has not opened the recording channel or the plug of the external equipment has not been inserted into the audio interface. When any output is level 1, it indicates that the audio device has opened the recording channel. The logic judgment module 152 identifies the pole corresponding to level 1 as the microphone pole, and the pole corresponding to level 0 as the ground pole.

As shown in FIG. 6 , it is an implementation manner of the first audio signal conversion module in the signal processing module shown in FIG. 2 . It includes a DC conversion module 331 and a comparison module 332 . This embodiment is applicable to one channel for data transmission, and also for two channels for simultaneous data transmission. When two channels are used to transmit data at the same time, the amount of data transmitted in the same time period is twice that of one channel. . Corresponding to the number of channels in the audio interface, a corresponding number of sub-comparison modules is set in the comparison module 332. In this embodiment, a sub-comparison module 332a corresponding to the left channel and a sub-comparison module 332b corresponding to the right channel are set. Since the output from the channel pole of the audio interface is usually an AC voltage signal, the DC conversion module 331 is used to convert the audio signal in the form of AC voltage received by the audio signal receiving unit 32 from the channel pole of the audio interface into a DC signal. Preferably, the DC conversion module 331 has the function of clamping the center level of the input signal, so that the original AC signal of the left and right channels becomes a signal with a certain DC component. The specific method can be: output at the channel pole On the AC voltage signal, a positive DC voltage VDC_A is superimposed, preferably VDC_A is half of the power supply voltage VDD, and the two channel poles of the audio interface are connected to a resistor to ground, and the resistance of the connected resistor is preferably 32Ω or 16Ω. The sub-comparison module 332a and the sub-comparison module 332b corresponding to the right channel are used to compare the DC signal converted by the DC conversion module 331 with the above-mentioned superimposed DC voltage VDC_A, and send the comparison result, such as the DC signal converted by the DC conversion module 31 If it is greater than VDC_A, it outputs high level, otherwise it outputs low level.

As shown in FIG. 7 , it is an implementation manner of the second audio signal conversion module 34 in the signal processing module shown in FIG. 2 . The second audio signal conversion module 34 adopts a current-sinking DAC, which draws a changed current from the microphone pole of the audio interface according to the digital signal to be sent to the audio equipment. Since a resistor is usually connected to the microphone pole in the existing audio interface, When the extracted current changes, the voltage on the microphone electrode changes accordingly. By changing the voltage on the microphone electrode, the conversion from digital signal to audio signal is realized, and the audio signal is input from the microphone electrode to the audio device.

As shown in Figure 8, it is a schematic diagram of the payment system provided by the embodiment of this technical solution; the payment system includes one of the above-mentioned payment devices and an audio device, and the audio device is connected to the payment device through an audio interface , used to connect to the network for communication, and send relevant instruction information to the payment device; the payment device is used to receive the instruction information, and complete the payment operation according to the instruction information.

As shown in Figure 9, it is a flow chart of the payment method of the payment system shown in Figure 8, and its process includes:

S00, connecting the payment device and the audio device through the audio device;

S02. The audio device generates a payment command, and converts the payment command into an audio signal through its own software and outputs it to the payment device;

S04. The signal processing module 3 receives the payment command, converts the payment command into a digital signal, and outputs it to the main control module 1;

S06, the main control module 1 sends an instruction to notify the card swiping module 2 to prepare to swipe the card;

S08, the card swiping module reads the card information, and sends the card information to the main control module 1;

S10, the human-computer interaction module 5 receives the input payment information, displays the information and sends it to the main control module 1;

S12. The main control module 1 issues an instruction to notify the biometric module 6 to read the biological information of the human body;

S14, the biological module 6 reads the biological information and sends it to the main control module 1;

S16, the main control module 1 sends the payment information to the PSAM card module 4;

S18. The PSAM card module 4 encrypts the payment information and sends it back to the main control module 1;

S20, the main control module 1 sends the encrypted payment information to the signal processing module 3;

S22. The signal processing module 3 converts the encrypted payment information into an audio signal and sends it to the audio device.

Wherein, step S16 and step S18 are the steps of encrypting the payment information, and the encryption chip in the main control module can also be used to directly encrypt the payment information, and the encryption chip of the main control module and the PSAM module can also jointly encrypt the payment information. Payment information is encrypted.

As shown in Figure 10, it is a flow chart of the signal processing method of the signal processing module shown in Figure 8; the specific steps include:

S000, the control module 1 of the microphone pole and the ground pole of the audio interface identifies the MIC and the ground pole of the audio interface, and after identification, connects the ground potential of the signal processing module's own equipment with the identified ground pole to unify the signal processing module Connect the audio signal sending unit 5 to the identified microphone pole with the reference ground potential of the audio device to establish a channel for sending data to the audio device.

On the receive channel:

S001. The audio signal receiving unit 2 receives an audio signal from an audio device through a channel pole of an audio interface, and transmits the received audio signal to the first audio signal conversion module 3 . The audio signal from the audio device is obtained after framing, encoding and digital-to-analog conversion by the audio device.

S002 , the first audio signal conversion module 3 converts the audio signal from the audio device into a digital signal, and outputs the converted digital signal to the decoding module 7 . Before being transmitted to the decoding module 7, preferably, the converted digital signal is passed through a glitch filtering module.

S003 , the decoding module 7 decodes the digital signal converted from the audio signal from the audio device, and transmits the decoded digital signal to the deframing module 9 .

S004. The deframing module 9 deframes the digital signal decoded by the decoding module 7, buffers the data obtained after deframing, or sends it to other processing modules for service processing.

On the send channel:

S011, the framing module 8 takes out from the cache or obtains the digital signal to be sent to the audio device from other processing modules, performs framing on the digital signal to be sent to the audio device, and inputs the framed digital signal to the encoding Module 6.

S012 , the encoding module 6 encodes the framed digital signal to be sent to the audio device output by the framing module 8 , and inputs the encoded digital signal to the second audio signal conversion module 4 .

S013. The second audio signal conversion module 4 converts the encoded digital signal to be sent to the audio device into an audio signal, and transmits it to the audio signal sending unit 5 .

S014. The audio signal sending unit 5 sends the audio signal converted by the second audio signal conversion module 4 to the audio device through the microphone pole of the audio interface. After the audio device receives the audio signal, it performs analog-to-digital conversion, decoding, and deframing operations.

The above content is a further detailed description of the present invention in conjunction with specific embodiments, and it cannot be assumed that the specific implementation of the present invention is limited to these descriptions. For those of ordinary skill in the technical field of the present invention, without departing from the concept of the present invention, some simple deduction or replacement can be made, which should be regarded as belonging to the protection scope of the present invention.

Claims (20)

1. A payment device that performs data interaction with the audio device through the audio interface of the audio device, including a main control module, a signal processing module and a card swiping module; The card swiping module is used to read card information and output the card information to the main control module; The signal processing module is connected to the main control module, and is used to identify the microphone pole of the audio interface, receive an audio signal, convert the audio signal into a digital signal and output it to the main control module, and convert the audio signal to the main control module. The digital signal received from the main control module is converted into an audio signal, and the converted audio signal is output to the audio device through the identified microphone pole of the audio interface; The signal processing module includes a control module of an audio interface microphone pole and a ground pole, an audio signal receiving module, a first audio signal conversion module, a second audio signal conversion module and an audio signal sending module, and the audio signal receiving module is connected to the audio interface The channel poles are docked, where, The control module of the microphone pole and the ground pole of the audio interface includes: an acquisition module, an identification module, and a port switching module; The electrical signal of each pole in the pole; the identification module is used to identify the microphone pole and the ground pole according to the electrical signal of each pole in the pair of audio input poles; the port switching module is used for the identification module After identifying the microphone pole and the ground pole, connect the audio signal sending module to the microphone pole, and connect the ground potential to the ground pole; The audio signal receiving module is configured to receive an audio signal from the audio device through the channel pole of the audio interface; The first audio signal conversion module is used to convert the audio signal from the audio device into a digital signal; The second audio signal conversion module is used to convert the digital signal to be sent to the audio device into an audio signal; The audio signal sending module is configured to send the audio signal converted from the digital signal to be sent to the audio device to the audio device through the microphone pole of the audio interface; The main control module is used to process payment services. 2. The payment device according to claim 1, wherein the second audio signal conversion module is a current-mode digital-to-analog conversion module. 3. The payment device according to claim 2, wherein the current-mode digital-to-analog conversion module sends the converted audio signal to the audio device by drawing current from the microphone pole of the audio interface. 4. The payment device according to claim 1, wherein the acquisition module is a voltage domain conversion module, which is used to establish a current channel between the pair of audio input poles, and connect the reference ground potential to the In the node of the current channel, the relative value of the voltage of each pole of the pair of audio input poles relative to the reference ground potential is obtained. 5. The payment device according to claim 1, wherein the identification module comprises: The first identification sub-module is used to compare the relative voltage value of each pole in the pair of audio input poles with the reference ground potential, and respectively output a digital level signal according to the respective comparison results; A logic judgment module, configured to identify the microphone pole and the ground pole according to the two digital level signals output by the first identification submodule. 6. The payment device according to any one of claims 1-5, further comprising a biometric identification module, the biometric identification module is used to read the biological information of the human body, and output the read biological information to the main control module for processing. 7. The payment device according to claim 6, wherein the biometric information received by the biometric identification module includes one or more of fingerprints, facial makeup, eye masks, and voices. 8. The payment device according to any one of claims 1-5, further comprising a human-computer interaction module connected to the main control module for inputting payment information to the main control module and display related information. 9. The payment device according to any one of claims 1-5, wherein the card information read by the card swiping module includes one of magnetic stripe card information, contact IC card information and non-contact IC card information. one or more species. 10. The payment device according to any one of claims 1-5, wherein the main control module includes a cryptographic chip, and the cryptographic chip encrypts the payment information according to a key algorithm. 11. The payment device according to any one of claims 1-5, further comprising a terminal security control module, the terminal security control module is connected to the main control module, and is used to encrypt the payment information, and encrypt the encrypted The final information is output to the main control module for processing. 12. The payment device according to claim 11, wherein the terminal security control module comprises at least one terminal security control module card. 13. A mobile payment method comprising: The payment device and the audio device are connected through the audio interface of the audio device, wherein the payment device includes a main control module, a card swiping module and a signal processing module; Obtain the electrical signal of each pole of a pair of audio input poles in the audio interface of the audio device after the recording channel is turned on; Identifying the microphone pole and the ground pole of the audio input pole according to the electrical signal of each pole in the pair of audio input poles; Connect the audio signal sending module of the signal processing module of the payment device to the identified microphone pole, connect the ground potential to the identified ground electrode, and connect the audio signal receiving module of the signal processing module of the payment device to the audio interface of the audio interface. Dao pole docking; The audio device sends the payment command to the signal processing module through an audio signal; The signal processing module converts the received audio signal into a digital signal and sends it to the main control module; The main control module generates a card swiping command and outputs it to the card swiping module; The card swiping module reads the card information, and outputs the card information to the main control module; The main control module processes the information and sends it to the signal processing module; The signal processing module converts the received information into an audio signal, and outputs it to the audio device through the recognized microphone of the audio interface. 14. The payment method according to claim 13, characterized in that, the signal processing module converts the received encrypted information into an audio signal and outputs it to the audio device by adopting a current-type digital-to-analog conversion module to transfer to the Digital signals sent by audio equipment are converted into audio signals. 15. The payment method according to claim 14, wherein the current-mode digital-to-analog conversion module sends the converted audio signal to the audio device by drawing current from the microphone pole of the audio interface. 16. The payment method according to claim 13, wherein the method for obtaining the electrical signals of each pole in the pair of audio input poles is: to establish a current channel between the pair of audio input poles, and refer to The ground potential is connected to the node of the current channel, and the relative voltage value of each pole of the pair of audio input poles relative to the reference ground potential is obtained. 17. The payment method according to claim 16, characterized in that, the method for identifying the microphone pole and the ground pole according to the electric signal of each pole in the pair of audio input poles is: Comparing the relative voltage values of each pole in the pair of audio input poles with the reference ground potential, respectively obtaining a digital level signal according to the respective comparison results; The microphone pole and the ground pole are identified according to the obtained two digital level signals. 18. The payment method according to any one of claims 13-17, further comprising reading and displaying the payment information input by the human-computer interaction module before the main control module processes the information. 19. The payment method according to any one of claims 13-17, characterized in that, before the main control module processes the information, it also includes the main control module sending an identification command to the biometric module, and the biometric module reads The biological information of the human body is sent to the main control module; wherein, the biological information includes one or more of fingerprints, facial makeup, eye masks, and voices. 20. The payment method according to any one of claims 13-17, characterized in that the information processing method comprises: receiving payment information through a cryptographic chip or/and terminal security control module and encrypting the payment information.