Abstract:
The present application discloses a payment system to enhance security of the entire payment system and ensure fund security in a payment process. The technical solution is: in the entire payment system, designing encryption and decryption solutions at a payment end, a consumer end, and an account management server end separately; performing hierarchical encryption on data transmission and storage, and verifying legality of a hardware device of an access system. Compared with a conventional magnetic card payment mode and an online payment mode with a third-party account such as Alipay, the technical solution of the present application improves convenience and security to different extents.

Description:
CROSS REFERENCE TO RELATED APPLICATIONS 
       [0001]    This application is a continuation of PCT Application No. PCT/CN2015/086824 filed on Aug. 13, 2015, which claims priority to Chinese Patent Application No. 201410451653.1 of Sep. 5, 2014; Chinese Patent Application No. 201410451651.2 of Sep. 5, 2014; and Chinese Patent Application No. 201410451752.X of Sep. 5, 2014, all of which are incorporated by reference. 
     
    
     TECHNICAL FIELD 
       [0002]    The present application relates to a payment system, and in particular, to an encryption and decryption system applied to a payment environment. 
       BACKGROUND 
       [0003]    Currently, a consumer may perform settlement by swiping a bank card (for example, a credit card, a debit card, or a third-party bank card) on a POS end when making a payment for a transaction. This conventional “card swiping” payment method prevents the consumer from carrying plenty of cash, but the consumer still needs to carry the bank card in order to make a payment by swiping a card, which restricts the payment for a transaction. 
         [0004]    In addition, a medium used for the card swiping is a magnetic stripe card. The magnetic stripe card uses liquid magnetic material or magnetic stripe as an information carrier, and the card is coated with the liquid magnetic material, or a magnetic strip that is about 614 mm wide is affixed onto on the card by pressing. The magnetic stripe card is generally used as an identification card, in which information content can be written, stored, and rewritten. 
         [0005]    However, an information storage capacity of a magnetic stripe card is small, the magnetic stripe is easy to read and fake, which leads to poor security. Especially, with the problem of poor security and vulnerability to fake, a criminal can steal information in the card by buying a device at a cost of only hundreds of yuan without requiring advanced knowledge or skill. 
         [0006]    In addition to the payment method of card swiping, a payment method with an electronic wallet is popularized rapidly, for example, an “Alipay” electronic wallet. In the payment method with an electronic wallet, an application app is installed at a mobile phone end, and an electronic wallet account (Alipay account) is generated in a process of registering an account. A user may use a bank card to recharge the Alipay account beforehand. To make a payment in a subsequent consumption process, an amount is deducted from a balance of the Alipay account. 
         [0007]    The electronic wallet transaction mode such as Alipay has many disadvantages. For example, a smooth Internet environment is required. The transaction depends on a communication network, and requires an Internet access. When the Internet is not smooth or the Internet is lacking of speed, the transaction tends to fail. Secondly, a security problem exists. Both an account number and a password of an electronic account are transmitted on the Internet, and are vulnerable to interception by a malicious user. Especially, when account information is transmitted in a WiFi network, the information is easier to steal. Moreover, a security system of the Alipay is defective, and information such as account information and a payment password of the Alipay is encrypted and authenticated on only an Alipay server, and currently depends on authentication manners such as mobile phone short message authentication or USB key authentication. The security system is not hierarchical enough. 
       SUMMARY 
       [0008]    The following gives an overview of one or more aspects to provide a basic understanding of the aspects. This overview is neither a detailed description on all conceived aspects, nor intended to specify key or decisive elements of all aspects or intended to define the scope of any aspect or all aspects. The only objective of the overview is to give concepts in one or more aspects in a simplified manner to serve as a preamble of subsequent detailed description. 
         [0009]    The present application aims to resolve the foregoing problem, and provides a payment system to enhance security of the entire payment system and ensure fund security in a payment process. 
         [0010]    The present application discloses a payment system, including a payment end, a consumer end, and an account management server, where 
         [0011]    the payment end further includes: 
         [0012]    a signal modulation module, which modulates information required for payment into a transmission signal and sends the transmission signal to the consumer end; 
         [0013]    the consumer end further includes a signal receiving unit, and the signal receiving unit further includes: 
         [0014]    a signal conversion module, which converts the transmission signal sent by the payment end to the consumer end into an electric signal, and transmits the electric signal to the account management server; 
         [0015]    the account management server further includes: 
         [0016]    a signal demodulation module, which receives the electric signal and performs demodulation to obtain the information required for payment. 
         [0017]    The present application further discloses a payment system, including a payment end, a consumer end, and an account management server, where 
         [0018]    the payment end further includes: 
         [0019]    a signal modulation module, which modulates information required for payment into a transmission signal and sends the transmission signal to the consumer end; 
         [0020]    the consumer end further includes a signal receiving unit, and the signal receiving unit further includes: 
         [0021]    a signal conversion module, which converts the transmission signal sent by the payment end to the consumer end into an electric signal; 
         [0022]    a signal demodulation module, which further demodulates the electric signal to obtain the information required for payment. 
         [0023]    The present application further discloses a chip legality verification apparatus, including: 
         [0024]    an identifier collection module, which collects an actual identifier of a chip and uploads the actual identifier to a server; 
         [0025]    an identifier management module, which stores a legal identifier of the chip in the server; and 
         [0026]    a legality verification module, which is connected to the identifier collection module and the identifier management module, and compares the collected actual identifier with the legal identifier in the identifier management module to determine whether the chip is legal. 
         [0027]    The present application further discloses a dynamic key apparatus, including: 
         [0028]    a key generation module, which generates a unique key each time, and delivers the key to a receiving device. 
         [0029]    The present application further discloses a dynamic key apparatus, including: 
         [0030]    a key generation module, which generates a set of keys at a time; and 
         [0031]    a key selection module, which is connected to the key generation module, and selects at least one key from the set of keys and delivers the key to a receiving device. 
         [0032]    The present application further discloses a dynamic key apparatus, including: 
         [0033]    a key generation module, which generates a set of keys each time; and 
         [0034]    a key selection module, which is connected to the key generation module, and selects at least one key from the set of keys generated each time and delivers the key to a receiving device. 
         [0035]    The present application further discloses a dynamic key apparatus, including: 
         [0036]    a key generation module, which generates a set of keys according to a preset rule and delivers the keys to a receiving device, whereupon the receiving device selects at least one key from the set of keys when needing to use the key, where the preset rule is generated periodically or generated after the Internet is accessed or generated after payment is made for a preset quantity of times. 
         [0037]    According to an embodiment of a dynamic key apparatus of the present application, the dynamic key apparatus is disposed in a server or a receiving device. 
         [0038]    Compared with the prior art, the present application brings the following beneficial effects: In the entire payment system, the present application designs encryption and decryption solutions at a payment end (mobile phone), a consumer end (POS machine), and an account management server end separately, performs hierarchical encryption and decryption on transmission and storage of data (especially data of a high security level, for example, transaction data, account information, and password), and verifies legality of a hardware device (for example, a signal receiving unit) of an access system. Compared with a conventional magnetic card payment mode and an online payment mode with a third-party account such as Alipay, the technical solution of the present application improves convenience and security to different extents. 
     
    
     
       BRIEF DESCRIPTION OF DRAWINGS 
         [0039]      FIG. 1 a    is a schematic diagram of an exemplary embodiment of a payment system according to the present application; 
           [0040]      FIG. 1 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0041]      FIG. 1 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0042]      FIG. 2  is a brief schematic diagram of a payment system; 
           [0043]      FIG. 3 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0044]      FIG. 3 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0045]      FIG. 3 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0046]      FIG. 4 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0047]      FIG. 4 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0048]      FIG. 4 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0049]      FIG. 5 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0050]      FIG. 5 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0051]      FIG. 5 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0052]      FIG. 6 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0053]      FIG. 6 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0054]      FIG. 6 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0055]      FIG. 7 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0056]      FIG. 7 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0057]      FIG. 7 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0058]      FIG. 8 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0059]      FIG. 8 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0060]      FIG. 8 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0061]      FIG. 9 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0062]      FIG. 9 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0063]      FIG. 10 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0064]      FIG. 10 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0065]      FIG. 11 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0066]      FIG. 11 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0067]      FIG. 12 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0068]      FIG. 12 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0069]      FIG. 12 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0070]      FIG. 13 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0071]      FIG. 13 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0072]      FIG. 13 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0073]      FIG. 14 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0074]      FIG. 14 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0075]      FIG. 14 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0076]      FIG. 15 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0077]      FIG. 15 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0078]      FIG. 15 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0079]      FIG. 16 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0080]      FIG. 16 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0081]      FIG. 16 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0082]      FIG. 17 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0083]      FIG. 17 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0084]      FIG. 17 c    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0085]      FIG. 18 a    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0086]      FIG. 18 b    is a schematic diagram of another embodiment of a payment system according to the present application; 
           [0087]      FIG. 19  is a schematic diagram of an exemplary embodiment of a chip legality verification apparatus according to the present application; 
           [0088]      FIG. 20  is a schematic diagram of an embodiment of a dynamic key apparatus according to the present application; and 
           [0089]      FIG. 21  is a schematic diagram of another embodiment of a dynamic key apparatus according to the present application. 
       
    
    
     DESCRIPTION OF EMBODIMENTS 
       [0090]    The foregoing features and advantages of the present application can be better understood after detailed description of the disclosed embodiments is read with reference to the following accompanying drawings. In the accompanying drawings, components are not necessarily plotted proportionally, and components with similar related features or characteristics may have the same or similar marks in the accompanying drawings. 
         [0091]      FIG. 1 a    is a schematic diagram of an exemplary embodiment of a payment system according to the present application. Referring to  FIG. 1 a   , a payment system in this embodiment mainly includes three subsystems: a payment end, a consumer end, and an account management server. 
         [0092]    An encryption and decryption system of the present application is designed and implemented on a payment system shown in  FIG. 2 . A rough architecture of the payment system is shown in  FIG. 2 . The entire payment system mainly includes four components: a payment end, a consumer end, a settlement server, and an account management server. The consumer end is formed from two modules: a signal receiving unit and a POS machine. 
         [0093]    Referring to  FIG. 1 a    and  FIG. 2 , the following expounds the principles of the three subsystems of the encryption system. 
         [0094]    The payment end  1   a  includes a signal modulation module  10   a,  which modulates information required for payment into a transmission signal and sends the transmission signal to the consumer end. There may be one type or more types of information required for payment. Specifically, for example, the information required for payment may be an account identifier, user information, payment account information, or account correlation information of a payment account, commodity name that needs payment, order number, or a payment amount or any combination thereof. The account identifier is allocated by the account management server based on the account information/account correlation information of the payment account/user information, and is used to distinguish between numerous users, and may be a string of digits or a numeral that includes other characters. Preferably, only one account identifier is allocated to each piece of account information/account correlation information of the payment account/user information. Nevertheless, when a user has many payment accounts, multiple account identifiers may be allocated to the user. The user information may include an identity card number of the user, a name, a social security card number, hardware identification information of the payment end, and the like. The payment account information may be payment bank card information of the user, payment bill information or payment voucher information. The account correlation information of the payment account may be correlated corresponding information of the payment account, and the corresponding payment account information may be found according to the account correlation information of the payment account. For example, the account correlation information of the payment account is a part of the payment account information, or a unique nickname corresponding to all payment account information, such as a log-in name of a professional/public version of each bank. 
         [0095]    Information required in a payment phase generally includes the account identifier, user information, payment account information, or account correlation information of the payment account or the like. By means of a mobile communication network or WiFi, the payment end may access the Internet/application to implement bidirectional communication with the account management server. Therefore, the payment end is enabled to query consumption information such as bonus points and discount vouchers. 
         [0096]    The consumer end  2   a  includes a signal receiving unit  20   a,  and the signal receiving end includes a signal conversion module  200   a.  The signal conversion module  200   a  converts the transmission signal, which is sent by the payment end to the consumer end, into an electric signal and transmits the electric signal to the account management server  3   a.  The electric signal output by the consumer end includes the information required for payment that is sent by the payment end. The account management server  3   a  includes a signal demodulation module  30   a.  The signal demodulation module  30   a  receives the electric signal and performs demodulation to obtain the information required for payment. 
         [0097]    In addition, in a variable embodiment of the present application, as shown in FIG.  1   b , a signal receiving unit management module  31   a  is disposed in the account management server  3   a.  The signal receiving unit management module  31   a  stores a legal identifier of the signal receiving unit  20   a  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   a  or actual correlated information that is uploaded by the consumer end  2   a,  so as to determine whether a currently using signal receiving unit is legal. 
         [0098]    The identifier of the signal receiving unit  20   a  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof; or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0099]    Further, in a variable embodiment of the present application, as shown in  FIG. 1 c   , the payment end  1   a  includes a payment encryption module  11   a  and a signal modulation module  10   a.  The payment encryption module  11   a  performs encryption before the information required for payment is modulated into the transmission signal, and then the encrypted information required for payment is modulated into the transmission signal by the signal modulation module  10   a  connected to the payment encryption module  11   a , and sent to the consumer end. The account management server  3   a  includes a signal demodulation module  30   a  and a payment decryption module  32   a . The signal demodulation module  30   a  receives the electric signal and performs demodulation to obtain the information required for payment. The information required for payment, which is obtained after demodulation, is still encrypted. Therefore, the payment decryption module  32   a  connected after the signal demodulation module  30   a  needs to decrypt the demodulated information to obtain the original information required for payment. 
         [0100]    In this embodiment, both the key used by the payment encryption module  11   a  for encryption and the key used by the payment decryption module  32   a  for decryption are generated by a dynamic key apparatus  4   a  in the account management server  3   a,  and the keys are dynamic keys. 
         [0101]    The dynamic key apparatus  4   a  dynamically updates the key in four manners: 
         [0102]    The first manner is that the dynamic key apparatus  4   a  generates a unique key each time, and delivers the key to the payment end/consumer end. The second manner is that the dynamic key apparatus  4   a  generates a set of keys at a time, and selects at least one key each time according to an algorithm and delivers the key to the payment end/consumer end. The third manner is that the dynamic key apparatus  4   a  generates a set of keys each time, and selects at least one of the keys each time according to an algorithm and delivers the key to the payment end/consumer end. The fourth manner is to generate a set of keys according to a preset rule and deliver the keys to the payment end/consumer end, whereupon the payment end/consumer end selects at least one key from the set of keys when needing to use the key, where the preset rule is generated periodically or generated after the Internet is accessed or generated after payment is made for a preset quantity of times. 
         [0103]    In subsequent embodiments, the dynamic key apparatus may update the key dynamically also in the four manners. 
         [0104]    In  FIG. 1 c   , the dynamic key apparatus  4   a  is disposed in the account management server  3   a.  In addition, the dynamic key apparatus  4   a  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end  1   a  locally), and may also update the key in the fourth manners accordingly. 
         [0105]    The first manner is that the dynamic key apparatus generates a unique key locally each time; the second manner is to generate a set of keys locally at a time, and select at least one of the keys each time according to an algorithm; the third manner is to generate a set of keys locally each time, and select at least one of the keys each time according to an algorithm; the fourth manner is to generate a set of keys locally according to a preset rule and select at least one key from the set of keys, where the preset rule is generated periodically or generated after the Internet is accessed or generated after payment is made for a preset quantity of times. 
         [0106]    In subsequent embodiments, the dynamic key apparatus may set and update the key also in the four manners. 
         [0107]    In this embodiment, the transmission signal sent by the payment end to the consumer end may be in multiple forms, including but not limited to a light signal, an acoustic signal, an infrared signal, or a radio frequency signal. 
         [0108]      FIG. 3 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 3 a    and  FIG. 2 , the payment end  1   b  includes a payment encryption module  10   b  and a signal modulation module  11   b . The payment encryption module  10   b  performs encryption before the information required for payment is modulated into the transmission signal, and then the encrypted information required for payment is modulated into the transmission signal by the signal modulation module  11   b  connected to the payment encryption module  10   b,  and sent to the consumer end. 
         [0109]    The consumer end  2   b  includes a signal receiving unit  20   b,  and the signal receiving end includes a signal conversion module  200   b.  The signal conversion module  200   b  converts the transmission signal sent by the payment end to the consumer end into an electric signal and transmits the electric signal to the account management server  3   b.  The account management server  3   b  includes a signal demodulation module  30   b  and a payment decryption module  31   b.  The signal demodulation module  30   b  receives the electric signal transmitted by the signal conversion module  200   b,  and performs demodulation to obtain the information required for payment. In this embodiment, the demodulated information required for payment is still encrypted. 
         [0110]    Therefore, the payment decryption module  31   b  connected after the signal demodulation module  30   b  needs to decrypt the demodulated information to obtain the original information required for payment. 
         [0111]    In addition, in a variable embodiment of the present application, as shown in  FIG. 3 b   , a signal receiving unit management module  32   b  is disposed in the account management server  3   b.  The signal receiving unit management module  32   b  stores a legal identifier of the signal receiving unit  20   b  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   b  or actual correlated information that is uploaded by the consumer end  2   b,  so as to determine whether a currently using signal receiving unit is legal. 
         [0112]    The identifier of the signal receiving unit  20   b  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0113]    Further,  FIG. 3 c    is a schematic diagram of another embodiment of a payment system based on a dynamic key according to the present application. In this embodiment, the payment end lb includes a payment scrambling module  12   b,  a payment encryption module  10   b,  and a signal modulation module  11   b.  The payment scrambling module  12   b  is connected before the payment encryption module  10   b,  and scrambles the information required for payment before encryption. After the information is scrambled, the payment encryption module  10   b  encrypts the scrambled information. Then the signal modulation module  11   b  modulates the scrambled and encrypted information required for payment into a transmission signal and sends the transmission signal to the consumer end. 
         [0114]    The account management server  3   b  includes a signal demodulation module  30   b,  a payment decryption module  31   b,  and a payment descrambling module  33   b.  The signal demodulation module  30   b  receives the electric signal transmitted by the signal conversion module  200   b,  and performs demodulation to obtain the information required for payment. In this embodiment, the demodulated information required for payment is still scrambled and encrypted. Therefore, the payment decryption module  31   b  connected after the signal demodulation module  30   b  needs to decrypt the demodulated information first, and then the payment descrambling module  33   b  connected after the payment decryption module  31   b  descrambles the decrypted information to finally obtain the original information required for payment. 
         [0115]    The dynamic key apparatus  4   b  is disposed in the account management server  3   b . The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0116]    In  FIG. 3 c   , the dynamic key apparatus  4   b  is disposed in the account management server  3   b.  In addition, the dynamic key apparatus  4   b  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end  1   b  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0117]      FIG. 4 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 4 a    and  FIG. 2 , in this embodiment, the payment end  1   c  includes a payment scrambling module  10   c,  a payment encryption module  11   c , and a signal modulation module  12   c.  The payment scrambling module  10   c  is connected before the payment encryption module  11   c , and scrambles the information required for payment before encryption. After the information is scrambled, the payment encryption module  11   c  encrypts the scrambled information. Then the signal modulation module  12   c  modulates the scrambled and encrypted information required for payment into a transmission signal and sends the transmission signal to the consumer end. 
         [0118]    The consumer end  2   c  includes a signal receiving unit  20   c,  and the signal receiving end includes a signal conversion module  200   c.  The signal conversion module  200   c  converts the transmission signal sent by the payment end to the consumer end into an electric signal and transmits the electric signal to the account management server  3   c.    
         [0119]    The account management server  3   c  includes a signal demodulation module  30   c,  a payment decryption module  31   c,  and a payment descrambling module  32   c.  The signal demodulation module  30   c  receives the electric signal transmitted by the signal conversion module  200   c,  and performs demodulation to obtain the information required for payment. In this embodiment, the demodulated information required for payment is still scrambled and encrypted. Therefore, the payment decryption module  31   c  connected after the signal demodulation module  30   c  needs to decrypt the demodulated information first, and then the payment descrambling module  32   c  connected after the payment decryption module  31   c  descrambles the decrypted information to finally obtain the original information required for payment. 
         [0120]    In addition, in a variable embodiment of the present application, as shown in  FIG. 4 b   , a signal receiving unit management module  33   c  is disposed in the account management server  3   c.  The signal receiving unit management module  33   c  stores a legal identifier of the signal receiving unit  20   c  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   c  or actual correlated information that is uploaded by the consumer end  2   c,  so as to determine whether a currently using signal receiving unit is legal. 
         [0121]    The identifier of the signal receiving unit  20   c  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0122]    In another embodiment shown in  FIG. 4 c   , the dynamic key apparatus  4   c  is disposed in the account management server  3   c.  The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0123]    In  FIG. 4 c   , the dynamic key apparatus  4   c  is disposed in the account management server  3   c.  In addition, the dynamic key apparatus  4   c  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end  1   c  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0124]      FIG. 5 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 5 a    and  FIG. 2 , in this embodiment, the payment end  1   d  includes a payment encryption module  10   d,  a payment scrambling module  11   d,  and a signal modulation module  12   d.  The payment encryption module  10   d  encrypts original information required for payment first, and then the payment scrambling module  11   d  connected between the payment encryption module  10   d  and the signal modulation module  12   d  scrambles the encrypted information required for payment. Then the signal modulation module  12   d  modulates the encrypted and scrambled information required for payment into a transmission signal and sends the transmission signal to the consumer end. 
         [0125]    The consumer end  2   b  includes a signal receiving unit  20   d,  and the signal receiving end includes a signal conversion module  200   d.  The signal conversion module  200   d  converts the transmission signal, which is sent by the payment end to the consumer end, into an electric signal and transmits the electric signal to the account management server  3   d.    
         [0126]    The account management server  3   d  includes a signal demodulation module  30   d,  a payment descrambling module  31   d,  and a payment decryption module  32   d.  The signal demodulation module  30   d  receives the electric signal transmitted by the signal conversion module  200   d,  and performs demodulation to obtain the information required for payment. In this embodiment, the demodulated information required for payment is still encrypted and scrambled. Therefore, the payment descrambling module  31   d  connected after the signal demodulation module  30   d  needs to descramble the demodulated information first, and then the payment decryption module  32   d  connected after the payment descrambling module  31   d  decrypts the descrambled information to finally obtain the original information required for payment. 
         [0127]    In addition, in a variable embodiment of the present application, as shown in  FIG. 5 b   , a signal receiving unit management module  33   d  is disposed in the account management server  3   d.  The signal receiving unit management module  33   d  stores a legal identifier of the signal receiving unit  20   d  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   d  or actual correlated information that is uploaded by the consumer end  2   d,  so as to determine whether a currently using signal receiving unit is legal. 
         [0128]    The identifier of the signal receiving unit  20   d  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0129]    In another embodiment shown in  FIG. 5 c   , the payment end  1   d  may include only a signal modulation module  12   d,  the consumer end  2   d  includes a signal receiving unit  20   d  and a consumption encryption module  21   d,  the signal receiving unit further includes a signal conversion module  200   d,  and the signal conversion module  200   d  converts the transmission signal, which is sent by the payment end to the consumer end, into an electric signal. The consumption encryption module  21   d  is connected after the signal conversion module  200   d,  encrypts the converted electric signal, and then transmits the electric signal to the account management server  3   d.  The account management server  3   d  includes a consumption decryption module  33   d  and a signal demodulation module  30   d.  The consumption decryption module  33   d  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the consumption encryption module  21   d  first, and then the decrypted information is transmitted to the signal demodulation module  30   d  for demodulation, so as to obtain the original information required for payment. 
         [0130]    The dynamic key apparatus  4   d  is disposed in the account management server  3   d . The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. In  FIG. 5 c   , the dynamic key apparatus  4   d  is disposed in the account management server  3   d.  In addition, the dynamic key apparatus  4   d  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end ld and the consumer end  2   d  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again.  FIG. 6 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 6 a    and  FIG. 2 , in this embodiment, the payment end  1   e  includes a signal modulation module  10   e,  which modulates information required for payment into a transmission signal and sends the transmission signal to the consumer end. The consumer end  2   e  includes a signal receiving unit  20   e  and a consumption encryption module  21   e,  and the signal receiving end includes a signal conversion module  200   e.  The signal conversion module  200   e  converts the transmission signal, which is sent by the payment end to the consumer end, into an electric signal. The consumption encryption module  21   e  is connected after the signal conversion module  200   e,  encrypts the converted electric signal, and then transmits the electric signal to the account management server  3   e.  The encryption manner of the consumption encryption module  21   e  may be to encrypt the electric signal directly, or encrypt the electric signal together with consumer end information. The consumer end information includes identification information of the signal receiving unit  20   e,  or time information of the consumer end, or geographic location information of the consumer end, or any combination thereof. The encryption method may be any one of symmetric encryption, asymmetric encryption, or elliptic encryption, and commonly used encryption methods are, for example, DES encryption, 3DES encryption, IDEA encryption, RSA encryption, or AES encryption. 
         [0131]    The account management server  3   e  includes a consumption decryption module  30   e  and a signal demodulation module  31   e.  The consumption decryption module  30   e  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the consumption encryption module  21   e  first, and then the decrypted information is transmitted to the signal demodulation module  31   e  for demodulation, so as to obtain the original information required for payment. 
         [0132]    In addition, in a variable embodiment of the present application, as shown in  FIG. 6 b   , a signal receiving unit management module  32   e  is disposed in the account management server  3   e.  The signal receiving unit management module  32   e  stores a legal identifier of the signal receiving unit  20   e  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   e  or actual correlated information that is uploaded by the consumer end  2   e,  so as to determine whether a currently using signal receiving unit is legal. 
         [0133]    The identifier of the signal receiving unit  20   e  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0134]    Referring to another embodiment shown in  FIG. 6 c   , the payment end le includes a payment encryption module  11   e  and a signal modulation module  10   e.  The payment encryption module  11   e  performs encryption before the information required for payment is modulated into the transmission signal, and then the encrypted information required for payment is modulated into the transmission signal by the signal modulation module  10   e  connected to the payment encryption module  11   e , and sent to the consumer end. 
         [0135]    The account management server  3   e  includes a consumption decryption module  30   e,  a signal demodulation module  31   e,  and a payment decryption module  33   e.  The consumption decryption module  30   e  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the consumption encryption module  21   e  first, and then the decrypted information is transmitted to the signal demodulation module  31   e  for demodulation, and then the payment decryption module  33   e  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the payment encryption module  11   e , so as to obtain the original information required for payment. 
         [0136]    The dynamic key apparatus  4   e  is disposed in the account management server  3   e . The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0137]    In  FIG. 6 c   , the dynamic key apparatus  4   e  is disposed in the account management server  3   e.  In addition, the dynamic key apparatus  4   e  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end  1   e  and the consumer end  2   e  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0138]      FIG. 7 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 7 a    and  FIG. 2 , in this embodiment, the payment end if includes a payment encryption module  10   f  and a signal modulation module  11   f . The payment encryption module  10   f  performs encryption before the information required for payment is modulated into the transmission signal, and then the encrypted information required for payment is modulated into the transmission signal by the signal modulation module  11   f  connected to the payment encryption module  10   f,  and sent to the consumer end. The consumer end  2   f  includes a signal receiving unit  20   f  and a consumption encryption module  21   f,  and the signal receiving end includes a signal conversion module  200   f.  The signal conversion module  200   f  converts the transmission signal sent by the payment end to the consumer end into an electric signal. The consumption encryption module  21   f  is connected after the signal conversion module  200   f,  encrypts the converted electric signal, and then transmits the electric signal to the account management server  3   f.  The encryption manner of the consumption encryption module  21   f  may be to encrypt the electric signal directly, or encrypt the electric signal together with consumer end information. The consumer end information includes identification information of the signal receiving unit  20   f,  or time information of the consumer end, or geographic location information of the consumer end, or any combination thereof. The encryption method may be any one of symmetric encryption, asymmetric encryption, or elliptic encryption, and commonly used encryption methods are, for example, DES encryption, 3DES encryption, IDEA encryption, RSA encryption, or AES encryption. 
         [0139]    The account management server  3   f  includes a consumption decryption module  30   f,  a signal demodulation module  31   f,  and a payment decryption module  32   f.  The consumption decryption module  30   f  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the consumption encryption module  21   f  first, and then the decrypted information is transmitted to the signal demodulation module  31   f  for demodulation, and then the payment decryption module  32   f  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the payment encryption module  10   f,  so as to obtain the original information required for payment. 
         [0140]    In addition, in a variable embodiment of the present application, as shown in  FIG. 7 b   , a signal receiving unit management module  33   f  is disposed in the account management server  3   f.  The signal receiving unit management module  33   f  stores a legal identifier of the signal receiving unit  20   f  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   f  or actual correlated information that is uploaded by the consumer end  2   f,  so as to determine whether a currently using signal receiving unit is legal. 
         [0141]    The identifier of the signal receiving unit  20   f  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0142]    In another variable embodiment shown in  FIG. 7 c   , the dynamic key apparatus  4   f  is disposed in the account management server  3   f.  The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0143]    In  FIG. 7 c   , the dynamic key apparatus  4   f  is disposed in the account management server  3   f.  In addition, the dynamic key apparatus  4   f  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end if and the consumer end  2   f  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0144]      FIG. 8 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 8 a    and  FIG. 2 , in this embodiment, the payment end 1 g includes a payment encryption module 10 g and a signal modulation module  11   g.  The payment encryption module 10 g encrypts the information required for payment, and then the signal modulation module 11 g modulates the encrypted information required for payment into a transmission signal and sends the transmission signal to the consumer end. The consumer end  2   g  includes a signal receiving unit  20   g,  and the signal receiving end includes a signal conversion module  200   g.  The signal conversion module  200   g  converts the transmission signal, which is sent by the payment end to the consumer end, into an electric signal and transmits the electric signal to the account management server end  3   g.  The account management server  3   g  includes a signal demodulation module  30   g  and a payment decryption module  31   g.  The signal demodulation module  30   g  receives the electric signal and performs demodulation, and then the payment decryption module  31   g  decrypts the demodulated electric signal to obtain the original information required for payment. 
         [0145]    In addition, the account management sever  3   g  further includes an account management module  32   g,  which stores user information, payment account information or account correlation information of a payment account that is uploaded by the payment end, and sends encrypted account information together with a key back to the payment end. Information stored in the account management module  32   g  is encrypted by the payment encryption module  10  at the payment end. Objects to be encrypted include stored account information, an account identifier allocated by the account management server based on the account information, a payment end key and the like. The payment end key is a key delivered by the account management server to the payment end, or a key generated at the payment end locally. 
         [0146]    The entire payment system further includes a payment processing server  4   g  connected to the consumer end and the account management module  31   g,  and the payment processing server  4   g  includes an acquiring server, a settlement server, or an online banking server, or any combination thereof. The payment processing server  4   g  sends the account management module  31   g  the information required for payment that is output by the consumer end, and the account management module  31   g  finds the corresponding payment account information or account correlation information of the payment account and then returns the information to the payment processing server  4   g . Encryption and decryption are also performed between the account management module  31   g  and the payment processing server  4   g,  and between the payment processing server  4   g  and the consumer end. For example, encryption and decryption may also be performed on the account information transmitted between the account management module  31   g  and the payment processing server  4   g  and the payment information transmitted between the payment processing server  4   g  and the consumer end. 
         [0147]    In addition, in a variation instance of the location of the payment processing server, the payment processing server is not connected to the consumer end, but is connected to only the account management module. The information required for payment that is output by the consumer end is sent to the account management module, and the account management module finds the corresponding payment account information or account correlation information of the payment account and then returns the information to the payment processing server. 
         [0148]    In addition, in variable embodiments of the present application, as shown in  FIG. 8 b   , a signal receiving unit management module  33   g  is disposed in the account management server  3   g.  The signal receiving unit management module  33   g  stores a legal identifier of the signal receiving unit  20   g  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   g  or actual correlated information that is uploaded by the consumer end  2   g,  so as to determine whether a currently using signal receiving unit is legal. 
         [0149]    The identifier of the signal receiving unit  20   g  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0150]    In addition, in another variable embodiment shown in  FIG. 8 c   , the account management sever  3   g  further includes an account management module  32   g,  which stores user information, payment account information or account correlation information of a payment account that is uploaded by the payment end, and sends encrypted account information together with a key back to the payment end. Information stored in the account management module  32   g  is encrypted by the payment encryption module  10   g  at the payment end. Objects to be encrypted include stored account information, an account identifier allocated by the account management server based on the account information, a payment end key and the like. The payment end key is a key delivered by the account management server to the payment end, or a key generated at the payment end locally. 
         [0151]    The entire payment system further includes a payment processing server  4   g  connected to the consumer end and the account management module  34   g,  and the payment processing server  4   g  includes an acquiring server, a settlement server, or an online banking server, or any combination thereof. The payment processing server  4   g  sends the account management module  32   g  the information required for payment that is output by the consumer end, and the account management module  32   g  finds the corresponding payment account information or account correlation information of the payment account and then returns the information to the payment processing server  4   g.    
         [0152]    Encryption and decryption are also performed between the account management module  32   g  and the payment processing server  4   g,  and between the payment processing server  4   g  and the consumer end. For example, encryption and decryption may also be performed on the account information transmitted between the account management module  32   g  and the payment processing server  4   g  and the payment information transmitted between the payment processing server  4   g  and the consumer end. 
         [0153]    In addition, in a variation instance of the location of the payment processing server, the payment processing server is not connected to the consumer end, but is only connected to the account management module. The information required for payment that is output by the consumer end is sent to the account management module, and the account management module finds the corresponding payment account information or account correlation information of the payment account and then returns the information to the payment processing server. 
         [0154]    The dynamic key apparatus  4   g  is disposed in the account management server  3   g . The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0155]    In  FIG. 8 c   , the dynamic key apparatus  4   g  is disposed in the account management server  3   g.  In addition, the dynamic key apparatus  4   g  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end  1   g  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0156]      FIG. 9 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 9 a    and  FIG. 2 , in this embodiment, the payment end  1   h  includes a payment encryption module  10   h  and a signal modulation module  11   h.  The payment encryption module  10   h  performs encryption before the information required for payment is modulated into the transmission signal, and then the encrypted information required for payment is modulated into the transmission signal by the signal modulation module  11   h  connected to the payment encryption module  10   h,  and sent to the consumer end. 
         [0157]    The consumer end  2   h  includes a signal receiving unit  20   h  and a consumption encryption module  21   h.  The signal receiving unit  20   h  is integrated in a chip or a terminal device, and the signal receiving unit  20   h  further includes a signal conversion module  200   h.  The signal conversion module  200   h  converts the transmission signal, which is sent by the payment end to the consumer end, into an electric signal. The consumption encryption module  21   h  is connected after the signal conversion module  200   h,  encrypts the converted electric signal, and then transmits the electric signal to the account management server  3   h.  The encryption manner of the consumption encryption module  21   h  may be to encrypt the electric signal directly, or encrypt the electric signal together with consumer end information. The consumer end information includes identification information of the signal receiving unit  20   h,  or time information of the consumer end, or geographic location information of the consumer end, or any combination thereof. The encryption method may be any one of symmetric encryption, asymmetric encryption, or elliptic encryption, and commonly used encryption methods are, for example, DES encryption, 3DES encryption, IDEA encryption, RSA encryption, or AES encryption. The account management server  3   h  includes a consumption decryption module  30   h,  a signal demodulation module  31   h,  and a payment decryption module  32   h.  The consumption decryption module  30   h  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the consumption encryption module  21   h  first, and then the decrypted information is transmitted to the signal demodulation module  31   h  for demodulation, and then the payment decryption module  32   h  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the payment encryption module  10   h,  so as to obtain the original information required for payment. 
         [0158]    A signal receiving unit management module  33   h  connected to the consumption decryption module  30   h  is also disposed in the account management server  3   h,  and stores an identifier of the signal receiving unit  20   h  or identifier-related information to determine whether a currently using signal receiving unit  20   h  is legal. The identifier specifically includes a MAC address of the signal receiving unit  20   h,  an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0159]    Preferably, the password of the payment end is set to be dynamically variable. For this purpose, two implementation manners are applicable. The first manner is that a key update module is additionally disposed in the account management server, and generates a unique key automatically each time and delivers the key to the payment terminal, or generates a set of keys at a time, and then selects one key each time according to an algorithm and delivers the key to the payment end. The payment end key may also be generated in the second local generation manner, in which different keys may be generated locally, or a set of keys is generated at a time and then one of the keys is selected each time according to an algorithm. 
         [0160]    In another variable embodiment shown in  FIG. 9 b   , a signal receiving unit  20   h  is disposed at the consumer end  2   h.  Further, a signal conversion module  200   h,  a signal demodulation module  201   h,  and a payment decryption unit  202   h  are disposed in the signal receiving unit  20   h.  The signal conversion module  200   h  converts the transmission signal, which is sent by the payment end to the consumer end, into an electric signal. The signal demodulation module  201   h  further demodulates the electric signal. Finally, the payment decryption unit  202   h  decrypts the demodulated information to obtain the original information required for payment. 
         [0161]    In this embodiment, the transmission signal includes a light signal, an acoustic signal, an infrared signal, or a radio frequency signal. 
         [0162]    The dynamic key apparatus  4   h  is disposed in the account management server  3   h . The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. In  FIG. 9 b   , the dynamic key apparatus  4   h  is disposed in the account management server  3   h.  In addition, the dynamic key apparatus  4   h  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end  1   h  and the consumer end  2   h  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0163]      FIG. 10 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 10 a    and  FIG. 2 , in this embodiment, the payment system includes a payment end  1   i , a consumer end  2   i,  and an account management server  3   i.  A signal modulation module  10   i  is disposed in the payment end  1   i , and modulates information required for payment into a transmission signal and sends the transmission signal to the consumer end. 
         [0164]    A signal receiving unit  20   i  is disposed in the consumer end  2   i.  Further, a signal conversion module  200   i  and a signal demodulation module  201   i  are disposed in the signal receiving unit  20   i.  The signal conversion module  200   i  converts the transmission signal sent by the payment end to the consumer end into an electric signal. The signal demodulation module  201   i  further demodulates the electric signal to obtain the original information required for payment. 
         [0165]    In addition, in a variable embodiment of the present application, as shown in  FIG. 10 b   , a signal receiving unit management module  30   i  is disposed in the account management server  3   i.  The signal receiving unit management module  30   i  stores a legal identifier of the signal receiving unit  20   i  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   i  or actual correlated information that is uploaded by the consumer end  2   i,  so as to determine whether a currently using signal receiving unit is legal. 
         [0166]    The identifier of the signal receiving unit  20   i  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0167]    In this embodiment, the transmission signal includes a light signal, an acoustic signal, an infrared signal, or a radio frequency signal. 
         [0168]      FIG. 11 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 11 a    and  FIG. 2 , in this embodiment, the payment system includes a payment end  1   j , a consumer end  2   j,  and an account management server  3   j.  A payment encryption module  10   j  and a signal modulation module  11   j  are disposed in the payment end  1   j.  The payment encryption module  10   j  performs encryption before the information required for payment is modulated into the transmission signal, and then the encrypted information required for payment is modulated into the transmission signal by the signal modulation module  11   j  connected after the payment encryption module  10   j,  and sent to the consumer end. 
         [0169]    A signal receiving unit  20   j  is disposed in the consumer end  2   j.  Further, a signal conversion module  200   j,  a signal demodulation module  201   j,  and a payment decryption unit  202   j  are disposed in the signal receiving unit  20   j.  The signal conversion module  200   j  converts the transmission signal, which is sent by the payment end to the consumer end, into an electric signal. The signal demodulation module  201   j  further demodulates the electric signal. Finally, the payment decryption unit  202   j  decrypts the demodulated information to obtain the original information required for payment. 
         [0170]    In addition, in a variable embodiment of the present application, as shown in  FIG. 11 b   , a signal receiving unit management module  30   j  is disposed in the account management server  3   j.  The signal receiving unit management module  30   j  stores a legal identifier of the signal receiving unit  20   j  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   j  or actual correlated information that is uploaded by the consumer end  2   j,  so as to determine whether a currently using signal receiving unit is legal. 
         [0171]    The identifier of the signal receiving unit  20   j  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0172]      FIG. 12 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 12 a    and  FIG. 2 , in this embodiment, the payment system includes a payment end  1   k , a consumer end  2   k,  and an account management server  3   k.    
         [0173]    A payment encryption module  10   k  and a signal modulation module  11   k  are disposed in the payment end  1   k . The payment encryption module  10   k  performs encryption before the information required for payment is modulated into the transmission signal, and then the encrypted information required for payment is modulated into the transmission signal by the signal modulation module  11   k  connected after the payment encryption module  10   k,  and sent to the consumer end. A signal receiving unit  20   k  is disposed in the consumer end  2   k.  Further, a signal conversion module  200   k  and a signal demodulation module  201   k  are disposed in the signal receiving unit  20   k.  The signal conversion module  200   k  converts the transmission signal sent by the payment end to the consumer end into an electric signal. The signal demodulation module  201   k  further demodulates the electric signal. A payment decryption module  30   k  is disposed in the account management server  3   k.  The payment decryption module  30   k  decrypts the demodulated information to obtain the original information required for payment. 
         [0174]    In addition, in a variable embodiment of the present application, as shown in  FIG. 12 b   , a signal receiving unit management module  31   k  is disposed in the account management server  3   k.  The signal receiving unit management module  31   k  stores a legal identifier of the signal receiving unit  20   k  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   k  or actual correlated information that is uploaded by the consumer end  2   k,  so as to determine whether a currently using signal receiving unit is legal. 
         [0175]    The identifier of the signal receiving unit  20   k  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0176]    In another variable embodiment of the present application shown in  FIG. 12 c   , the dynamic key apparatus  4   k  is disposed in the account management server  3   k.  In addition, the dynamic key apparatus  4   k  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end  1   k  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again.  FIG. 13 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 13 a    and  FIG. 2 , in this embodiment, the payment system includes a payment end lm, a consumer end  2   m,  and an account management server  3   m.    
         [0177]    A payment scrambling module  10   m,  a payment encryption module  11   m,  and a signal modulation module  12   m  are disposed in the payment end  1   m . The payment scrambling module  10   m  is connected before the payment encryption module  11   m,  and scrambles the information required for payment first. Then the scrambled information required for payment is encrypted in the payment encryption module  11   m.  Finally, the signal modulation module  12   m  connected after the payment encryption module  11   m  modulates the scrambled and encrypted information required for payment into a transmission signal and sends the transmission signal to the consumer end. 
         [0178]    A signal receiving unit  20   m  is disposed in the consumer end  2   m.  A signal conversion module  200   m,  a signal demodulation module  201   m,  a payment decryption module  202   m,  and a payment descrambling module  203   m  are disposed in the signal receiving unit  20   m.  The signal conversion module  200   m  converts the transmission signal, which is sent by the payment end to the consumer end, into an electric signal. The signal demodulation module  201   m  further demodulates the electric signal. Subsequently, the payment decryption module  202   m  decrypts the demodulated information. Finally, the payment descrambling module  203   m  descrambles the demodulated and decrypted information to obtain the original information required for payment. 
         [0179]    In addition, in variable embodiments of the present application, as shown in  FIG. 13 b   , a signal receiving unit management module  30   m  is disposed in the account management server  3   m.  The signal receiving unit management module  30   m  stores a legal identifier of the signal receiving unit  20   m  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   m  or actual correlated information that is uploaded by the consumer end  2   m,  so as to determine whether a currently using signal receiving unit is legal. 
         [0180]    The identifier of the signal receiving unit  20   m  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0181]    In another variable embodiment of the present application shown in  FIG. 13 c   , the dynamic key apparatus  4   m  is disposed in the account management server  3   m.  The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. In  FIG. 13 c   , the dynamic key apparatus  4   m  is disposed in the account management server  3   m.  In addition, the dynamic key apparatus  4   m  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end  1   m  and the consumer end  2   m  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again.  FIG. 14 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 14 a    and  FIG. 2 , in this embodiment, the payment system includes a payment end  1   n , a consumer end  2   n,  and an account management server  3   n.    
         [0182]    A payment encryption module  10   n,  a payment scrambling module  11   n , and a signal modulation module  12   n  are disposed in the payment end  1   n . The payment encryption module  10   n  encrypts information required for payment first, and then the payment scrambling module  11   n  connected between the payment encryption module  10   n  and the signal modulation module  12   n  scrambles the encrypted information required for payment. Finally, the signal modulation module  12   n  modulates the encrypted and scrambled information required for payment into a transmission signal and sends the transmission signal to the consumer end. 
         [0183]    A signal receiving unit  20   n  is disposed in the consumer end  2   n.  A signal conversion module  200   n,  a signal demodulation module  201   n,  a payment descrambling module  202   n,  and a payment decryption module  203   n  are disposed in the signal receiving unit  20   n.  The signal conversion module  200   n  converts the transmission signal sent by the payment end to the consumer end into an electric signal. The signal demodulation module  201   n  further demodulates the electric signal. Subsequently, the payment descrambling module  202   n  descrambles the demodulated information. Finally, the payment decryption module  203   n  decrypts the demodulated and descrambled information to obtain the original information required for payment. 
         [0184]    In addition, in a variable embodiment of the present application, as shown in  FIG. 14 b   , a signal receiving unit management module  30   n  is disposed in the account management server  3   n.  The signal receiving unit management module  30   n  stores a legal identifier of the signal receiving unit  20   n  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   n  or actual correlated information that is uploaded by the consumer end  2   n,  so as to determine whether a currently using signal receiving unit is legal. 
         [0185]    The identifier of the signal receiving unit  20   n  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0186]      FIG. 14 c    shows another variable embodiment of the present application. The dynamic key apparatus  4   n  is disposed in the account management server  3   n.  The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. In  FIG. 14 c   , the dynamic key apparatus  4   n  is disposed in the account management server  3   n.  In addition, the dynamic key apparatus  4   n  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end In and the consumer end  2   n  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0187]      FIG. 15 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 15 a    and  FIG. 2 , in this embodiment, the payment system includes a payment end  1   p,  a consumer end  2   p,  and an account management server  3   p.    
         [0188]    A signal modulation module  10   p  is disposed in the payment end  1   p,  and modulates information required for payment into a transmission signal and sends the transmission signal to the consumer end. 
         [0189]    A signal receiving unit  20   p  and a consumption encryption module  21   p  are disposed in the consumer end  2   p.  Further, a signal conversion module  200   p  and a signal demodulation module  201   p  are disposed in the signal receiving unit  20   p.  The signal conversion module  200   p  converts the transmission signal, which is sent by the payment end to the consumer end, into an electric signal. The signal demodulation module  201   p  further demodulates the electric signal. The consumption encryption module  21   p  is connected to the signal conversion module  200   p,  and encrypts the converted electric signal. The encryption method may be any one of symmetric encryption, asymmetric encryption, or elliptic encryption, and commonly used encryption methods are, for example, DES encryption, 3DES encryption, IDEA encryption, RSA encryption, DSA encryption, or AES encryption. The encryption manner used by the consumption encryption module  21   p  to encrypt the electric signal may be to encrypt the electric signal directly, or encrypt the electric signal together with consumer end information. The consumer end information includes identification information of the signal receiving unit  20   p,  or time information of the consumer end, or geographic information of the consumer end, or any combination thereof. 
         [0190]    The account management server  3   p  further includes a consumption decryption module  30   p.  The consumption decryption module  30   p  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the consumption encryption module  21   p,  and then performs subsequent operations. 
         [0191]    In addition, in a variable embodiment of the present application, as shown in  FIG. 15 b   , a signal receiving unit management module  31   p  is disposed in the account management server  3   p.  The signal receiving unit management module  31   p  stores a legal identifier of the signal receiving unit  20   p  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   p  or actual correlated information that is uploaded by the consumer end  2   p,  so as to determine whether a currently using signal receiving unit is legal. 
         [0192]    The identifier of the signal receiving unit  20   p  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0193]    In another embodiment of the present application, as shown in  FIG. 15 c   , the dynamic key apparatus  4   p  is disposed in the account management server  3   p.  The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1  c, and are not described herein again. In  FIG. 15 c   , the dynamic key apparatus  4   p  is disposed in the account management server  3   p.  In addition, the dynamic key apparatus  4   p  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the consumer end  2   p  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0194]      FIG. 16 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 16 a    and  FIG. 2 , in this embodiment, the payment system includes a payment end  1   q , a consumer end  2   q,  and an account management server  3   q.    
         [0195]    A payment encryption module  10   q  and a signal modulation module  11   q  are disposed in the payment end  1   q . The payment encryption module  10   q  performs encryption before the information required for payment is modulated into the transmission signal, and then the encrypted information required for payment is modulated into the transmission signal by the signal modulation module  11   q  connected after the payment encryption module  10   q,  and sent to the consumer end. 
         [0196]    A signal receiving unit  20   q  and a consumption encryption module  21   q  are disposed in the consumer end  2   q.  Further, a signal conversion module  200   q  and a signal demodulation module  201   q  are disposed in the signal receiving unit  20   q.  The consumption encryption module  21   q  is connected to the signal conversion module  200   q,  and encrypts the converted electric signal. The encryption method may be any one of symmetric encryption, asymmetric encryption, or elliptic encryption, and commonly used encryption methods are, for example, DES encryption, 3DES encryption, IDEA encryption, RSA encryption, DSA encryption, or AES encryption. The encryption manner used by the consumption encryption module  21   q  to encrypt the electric signal may be to encrypt the electric signal directly, or encrypt the electric signal together with consumer end information. The consumer end information includes identification information of the signal receiving unit  20   q,  or time information of the consumer end, or geographic information of the consumer end, or any combination thereof. 
         [0197]    A consumption decryption module  31   q  and a payment decryption module  32   q  are disposed in the account management server  3   q.  The consumption decryption module  31   q  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the consumption encryption module  21   q  first. The decrypted information is transmitted to the signal demodulation module  201   q  for demodulation. The signal demodulation module  201   q  further demodulates the electric signal. Finally, the payment decryption module  32   q  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the payment end. 
         [0198]    In addition, in a variable embodiment of the present application, as shown in  FIG. 16 b   , a signal receiving unit management module  33   q  is disposed in the account management server  3   q.  The signal receiving unit management module  33   q  stores a legal identifier of the signal receiving unit  20   q  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   q  or actual correlated information that is uploaded by the consumer end  2   q,  so as to determine whether a currently using signal receiving unit is legal. 
         [0199]    The identifier of the signal receiving unit  20   q  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0200]    In another variable embodiment of the present application, as shown in  FIG. 16 c   , the dynamic key apparatus  4   q  is disposed in the account management server  3   q.  The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. In  FIG. 16 c   , the dynamic key apparatus  4   q  is disposed in the account management server  3   q.  In addition, the dynamic key apparatus  4   q  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end  1   q  and the consumer end  2   q  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0201]      FIG. 17 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 17 a    and  FIG. 2 , in this embodiment, the payment system includes a payment end  1   r,  a consumer end  2   r,  and an account management server  3   r.    
         [0202]    A payment encryption module  10   r  and a signal modulation module  11   r  are disposed in the payment end  1   r . The payment encryption module  10   r  encrypts the information required for payment, and then the signal modulation module  11   r  modulates the encrypted information required for payment into a transmission signal and sends the transmission signal to the consumer end. 
         [0203]    A signal receiving unit  20   r  is disposed in the consumer end  2   r.  Further, a signal conversion module  200   r,  a signal demodulation module  201   r,  and a payment decryption module  202   r  are disposed in the signal receiving unit  20   r.  The signal conversion module  200   r  converts the transmission signal sent by the payment end to the consumer end into an electric signal. The signal demodulation module  201   r  further demodulates the electric signal. The payment decryption module  202   r  decrypts the demodulated information. 
         [0204]    In addition, the account management sever  3   r  further includes an account management module  30   r,  which is configured to store user information, payment account information or account correlation information of a payment account that is uploaded by the payment end, and send encrypted account information together with a key back to the payment end. Information required in a payment phase, which is encrypted by the payment encryption module  10   r,  includes stored account information, an account identifier allocated by the account management server based on the account information, a payment end key and the like. 
         [0205]    The payment system in this embodiment includes a payment processing server  4   r , and the payment processing server  4   r  includes an acquiring server, a settlement server, or an online banking server, or any combination thereof. The payment processing server  4   r  may be connected to the consumer end and the account management module  30   r,  or may be connected to only the account management module  30   r  but not connected to the consumer end. For the former, the payment processing server  4   r  sends the account management module  30   r  the information required for payment that is output by the consumer end, and the account management module  30   r  finds the corresponding payment account information or account correlation information of the payment account and then returns the information to the payment processing server  4   r . For the latter, the information required for payment that is output by the consumer end is sent to the account management module  30   r,  and the account management module  30   r  finds the corresponding payment account information or account correlation information of the payment account and then returns the information to the payment processing server  4   r.  In addition, encryption and decryption are also performed between the account management module  30   r  and the payment processing server  4   r , and between the payment processing server  4   r  and the consumer end. In addition, in a variable embodiment of the present application, as shown in FIG. 
         [0206]      17   b , a signal receiving unit management module  31   r  is disposed in the account management server  3   r.  The signal receiving unit management module  31   r  stores a legal identifier of the signal receiving unit  20   r  or information correlated with the identifier, compares the identifier and the information with an actual identifier of the signal receiving unit  20   r  or actual correlated information that is uploaded by the consumer end  2   r,  so as to determine whether a currently using signal receiving unit is legal. 
         [0207]    The identifier of the signal receiving unit  20   r  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0208]    In another variable embodiment of the present application, as shown in  FIG. 17 c   , the dynamic key apparatus  4   r  is disposed in the account management server  3   r.  The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. In  FIG. 17 c   , the dynamic key apparatus  4   r  is disposed in the account management server  3   r.  In addition, the dynamic key apparatus  4   r  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end  1   r  and the consumer end  2   r  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. 
         [0209]      FIG. 18 a    is a schematic diagram of another embodiment of a payment system according to the present application. Referring to  FIG. 18 a    and  FIG. 2 , in this embodiment, the payment system includes a payment end  1   s , a consumer end  2   s,  and an account management server  3   s.    
         [0210]    A payment encryption module  10   s  and a signal modulation module  11   s  are disposed in the payment end  1   s . The payment encryption module  10   s  encrypts information required for payment, and the signal modulation module  11   s  modulates the encrypted information required for payment into a transmission signal. In addition, the payment encryption module  10   s  reads hardware identification information of the payment end and performs encryption. The payment end is a mobile terminal, and the hardware identification information is an IMEI of the mobile terminal or correlation information, an IMSI or correlation information, or SIM card identification information or correlation information, or any combination thereof. The payment end key is a key delivered by the account management server to the payment end, or a key generated at the payment end locally, and the payment end key is dynamically variable. Preferably, a key update module is disposed in the account management server, and generates a unique key automatically each time and delivers the key to the payment terminal, or generates a set of keys at a time, and then selects one key each time according to an algorithm and delivers the key to the payment end. Alternatively, the payment end generates the payment end key locally, and generates a unique key locally each time, or generates a set of keys at a time and then selects one of the keys each time according to an algorithm. 
         [0211]    A signal receiving unit  20   s  and a consumption encryption module  21   s  are disposed in the consumer end  2   s.  The signal receiving unit  20   s  is integrated in a chip or a terminal device, and a signal conversion module  200   s  and a signal demodulation module  201   s  are further disposed. The consumption encryption module  21   s  is connected to the signal conversion module  200   s,  and encrypts the converted electric signal. The encryption method may be any one of symmetric encryption, asymmetric encryption, or elliptic encryption, and commonly used encryption methods are, for example, DES encryption, 3DES encryption, IDEA encryption, RSA encryption, DSA encryption, or AES encryption. The encryption manner used by the consumption encryption module  21   s  to encrypt the electric signal may be to encrypt the electric signal directly, or encrypt the electric signal together with consumer end information. The consumer end information includes identification information of the signal receiving unit  20   s,  or time information of the consumer end, or geographic information of the consumer end, or any combination thereof. 
         [0212]    A consumption decryption module  31   s  and a payment decryption module  32   s  are disposed in the account management server  3   s.  The consumption decryption module  31   s  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the consumption encryption module  21   s  first. The decrypted information is transmitted to the signal demodulation module  201   s  for demodulation. The signal demodulation module  201   s  further demodulates the electric signal. Finally, the payment decryption module  32   s  performs decryption according to a decryption algorithm corresponding to an encryption algorithm of the payment end. 
         [0213]    In addition, a signal receiving unit management module  33   s  is disposed in the account management server  3   s,  and is configured to store an identifier of the signal receiving unit  20   s  or identifier-related information to determine whether a currently using signal receiving unit  20   s  is legal. The identifier of the receiving unit  20   s  includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0214]    In another variable embodiment of the present application, as shown in  FIG. 18 b   , the dynamic key apparatus  4   s  is disposed in the account management server  3   s.  The key may be updated dynamically in four manners, and the specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. In  FIG. 18 b   , the dynamic key apparatus  4   s  is disposed in the account management server  3   s.  In addition, the dynamic key apparatus  4   s  may also be disposed at the payment end/consumer end locally (for example, in this embodiment, at the payment end  1   s  and the consumer end  2   s  locally), and may also update the key in the fourth manners accordingly. The specific update manners are the same as or similar to the manners in the embodiment shown in  FIG. 1 c   , and are not described herein again. The present application further discloses a dynamic key apparatus. As shown in  FIG. 20 , the dynamic key apparatus includes a key generation module. The key generation module generates a unique key each time, and delivers the key to a receiving device. In another embodiment, the key generation module generates a set of keys according to a preset rule and delivers the keys to a receiving device, whereupon the receiving device selects at least one key from the set of keys when needing to use the key, where the preset rule is generated periodically or generated after the Internet is accessed or generated after payment is made for a preset quantity of times. 
         [0215]    As shown in  FIG. 21 , the dynamic key apparatus in the present application includes a key generation module and a key selection module. The key generation module generates a set of keys at a time, and the key selection module is connected to the key generation module, and selects at least one key from the set of keys and delivers the key to a receiving device. 
         [0216]    In another embodiment, the key generation module generates a set of keys each time. The key selection module is connected to the key generation module, and selects at least one key from the set of keys generated each time and delivers the key to a receiving device. 
         [0217]    The dynamic key apparatus mentioned in the foregoing embodiment is disposed in a server or a receiving device itself. 
         [0218]      FIG. 19  is a schematic diagram of an exemplary embodiment of a chip legality verification apparatus according to the present application. Referring to  FIG. 17 , the chip legality verification apparatus in this embodiment includes an identifier collection module, an identifier management module, and a legality verification module. 
         [0219]    The identifier collection module collects an actual identifier of a chip and uploads the actual identifier to a server. The identifier management module stores a legal identifier of the chip in the server. The legality verification module is connected to the identifier collection module and the identifier management module, and compares the collected actual identifier with the legal identifier in the identifier management module to determine whether the chip is legal. 
         [0220]    In this embodiment, the identifier of the chip includes a MAC address of the signal receiving unit, an IMEI of the consumer end, or an IMSI, or SIM card information or any combination thereof, or includes MAC address correlation information of the signal receiving unit, IMEI correlation information of the consumer end, IMSI correlation information, or SIM card correlation information or any combination thereof. 
         [0221]    To simplify interpretation, the foregoing methods are illustrated and described as a series of actions. However, it should be understood that the methods are not limited by order of the actions because, according to one or more embodiments, some actions may occur in different order or may concurrently occur together with actions illustrated and described herein or actions that are not illustrated or described herein but understandable by a person skilled in the art. 
         [0222]    A person skilled in the art is further aware that, various illustrative logical boards, modules, circuits and algorithm steps described with reference to the embodiments disclosed herein may be implemented as electronic hardware or computer software or a combination thereof. In order to clearly describe interchangeability between hardware and software, various illustrative components, frames, modules, circuits, and steps are generically described above in the form of their functionality. Whether the functionality is implemented as hardware or software depends on specific application and design constraints applied to an overall system. A person skilled in the art may implement the described functionality for each specific application in different manners, but it should not be considered that the implementation goes beyond the scope of the present application. 
         [0223]    Various illustrative boards, modules, and circuits described in the embodiments disclosed herein may be implemented or executed by a general purpose processor, a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array, or other programmable logic devices, discrete gates or transistor logics, discrete hardware devices, or any combination designed to implement functions described herein. The general purpose processor may be a microprocessor, but in an alternative solution, the processor may be any conventional processor, control, microcontroller, or state machine. The processor may also be implemented as a combination of computing devices, such as a combination of a DSP and a microprocessor, multiple microprocessors, one or more microprocessors that collaborate with a DSP core, or any other similar configurations. 
         [0224]    The steps of methods or algorithms described with reference to the embodiments disclosed herein may be reflected directly in hardware, a software module executed by a processor, or a combination thereof. The software module may camp on a RAM memory a flash memory, a ROM memory, an EPROM memory, an EEPROM memory, a register, a hard disk, a movable disk, a CD-ROM, or any other forms of storage medium known in the art. An exemplary storage medium is coupled to a processor so that the processor can read and write information into/from the storage medium. In an alternative solution, the storage medium may be integrated into the processor. The processor and the storage medium may camp on the ASIC. The ASIC may camp on a user terminal. In an alternative solution, the processor and the storage medium may camp on a user terminal as stand-alone components. 
         [0225]    In one or more exemplary embodiments, the described functions may be implemented in hardware, software, firmware, or any combination thereof. If the functions are implemented in software as a computer program product, each function may be stored as one or more instructions or code in a computer-readable medium or transferred by means of it. The computer-readable medium includes a computer storage medium and a communication medium, and includes any medium that causes transfer of a computer program from one place to another. The storage medium may be any available medium that can be accessed by a computer. Exemplarily rather than restrictively, the computer-readable medium may include: RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium that can be used to carry or store any program code in the form of instructions or data structures and can be accessed by a computer. Any connection is also properly called a computer-readable medium. For example, if software is transferred by a coaxial cable, an optical cable, a twisted pair, a digital subscriber line (DSL), or transferred from a website, a server or other remote sources by wireless technologies such as infrared, radio, and microwave, the coaxial cable, optical cable, and twisted pair, DSL, or the wireless technologies such as infrared, radio, and microwave are included in the definition of the medium. The disk (disk) and disc (disc) used herein include compressed disk (CD), laser disk, optical disk, digital versatile disc (DVD), floppy disk and Blu-ray disc, where the disk (disk) generally re-presents data in a magnetic form, and the disc (disc) re-presents data in an optical form by a laser. A combination thereof should also be included the scope of the computer-readable medium. 
         [0226]    Prior description of this disclosure is provided in order to enable any person skilled in the art to make or use this disclosure. Various modifications made to this disclosure are apparent to a person skilled in the art, and general principles defined herein may be applied to other variants without departing from the spirit or scope of this disclosure. Therefore, this disclosure is not intended to being limited to the examples and design described herein, but shall meet the widest scope that matches the principles and novel features disclosed herein.