CN102149011B - Digital television payment method and system based on smart card of digital television - Google Patents

Digital television payment method and system based on smart card of digital television Download PDF

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Publication number
CN102149011B
CN102149011B CN 201110085403 CN201110085403A CN102149011B CN 102149011 B CN102149011 B CN 102149011B CN 201110085403 CN201110085403 CN 201110085403 CN 201110085403 A CN201110085403 A CN 201110085403A CN 102149011 B CN102149011 B CN 102149011B
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digital television
card
payment
intelligent card
bank card
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CN102149011A (en
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周爱
王天星
王文军
孙立斌
李风静
宁艳芝
李小正
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Beijing Shibo Digital TV Technology Co Ltd
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Beijing Shibo Digital TV Technology Co Ltd
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Abstract

The invention provides a digital television payment method and a system based on a smart card of a digital television. The method comprises the steps as follows: information of commodities purchased by a user and an index number of a bank card selected to be bound with the smart card of the digital television by the user, and a corresponding payment password for the bank card are obtained; a commodity purchasing order is generated and transmitted to the smart card of the digital television and then a consumption transaction payment request command fed back by the smart card of the digital television is obtained; a consumption transaction request is transmitted to a purchasing platform of the digital television; the consumption transaction payment request command comprises the number of the bank bard, the index number of the bank card selected to be bound with the smart card of the digital television by the user, and the payment password; and the payment for the consumption transactionrequest is completed through the purchasing platform of the digital television and a payment platform. The scheme adopted by the invention requires low cost, realizes high security, and strong actionability, and can be popularized and deployed in large scale.

Description

A kind of Digital Television method of payment and system based on digital television intelligent card
Technical field
The present invention relates to digital television techniques, relate in particular to a kind of Digital Television method of payment and system based on digital television intelligent card.
Background technology
Have following several in the existing Digital Television payment technology scheme:
1, based on the payment mode of bank card: in interactive set top box, implant function of keeping secret chip and the card reader that authenticates through bank, behind set-top box prompting payment information, the user swipes the card by the card reader (can be arranged in the remote controller) of set-top box, by the secret chip of set-top box the magnetic track information of bank card is carried out packaging ciphering, together transfer to set-top box is sent to bank by IP network business interface machine together with payment information, carry out payment after confirming through banking system, and the result returned send set-top box to finish the prompting to the user.This programme safe class is higher, and the secret chip of employing process authentication is encrypted the magnetic track information of bank card, has effectively prevented the danger that bank card information is revealed by the mode of wireless (infrared emission of remote controller) and wired (data wire).This scheme shortcoming is that hardware cost is high, is unfavorable for extensive popularizing and deployment.
2, based on the payment mode of set-top box: utilize the hardware characteristics information of set-top box to have unique identity properties, by signing tripartite agreement between operator, bank and the user, with user's account No. and the ID binding of its set-top box, after during payment set-top box ID number and payment information being transferred to bank, bank can finish with the tripartite agreement of signing in advance and pay in cash.Set-top box need guarantee its non-reproduction and provide security authentication mechanism to satisfy operator and bank to user's identification authentication in this programme.The shortcoming of this scheme is that set-top box is consumer electronics, is not safety means, so fail safe can't guarantee, has potential safety hazard.
3, based on the means of payment of user profile: based on the authentication mode of user profile (such as username and password), the user only provides the user profile of oneself can initiate delivery operation.Common mode is set-top box access SSL(Secure Sockets Layer, SSL) secure web-page of encrypting, receive user's authentication information by webpage, finish the authentication to the user.Because such is simple to operate, do not need complicated operating process, but exist fail safe not high yet, the shortcoming that is easy to divulge a secret generally can only be used in occasions such as small amount payments.
As fully visible, existing Digital Television payment technology scheme can't be taken into account cost, fail safe, exploitativeness simultaneously, can't popularize on a large scale and dispose.
Summary of the invention
The embodiment of the invention provides a kind of Digital Television method of payment and system based on digital television intelligent card, so that a kind of Digital Television payment technology scheme of taking into account simultaneously cost and fail safe to be provided.
On the one hand, the embodiment of the invention provides a kind of Digital Television method of payment based on digital television intelligent card, described method comprises: the merchandise news and the bank card call number of user selection binding digital television intelligent card and the payment cipher of corresponding bank card thereof that obtain user's buying, generate a procurement of commodities order and send to described digital television intelligent card, and obtain the consumer sale payment request instruction of described digital television intelligent card feedback; Send consumer sale payment request instruction to the Digital Television shopping platform, comprise bank card call number and the described payment cipher of described digital television intelligent card number, user selection binding digital television intelligent card in the described consumer sale payment request instruction; Utilize bank card call number and the described payment cipher of described digital television intelligent card number, user selection binding digital television intelligent card, finish the payment of described consumer sale request by described Digital Television shopping platform and payment platform.
On the other hand, the embodiment of the invention provides a kind of Digital Television payment system based on digital television intelligent card, comprise digital television intelligent card, the bi-directional digital television terminal, Digital Television shopping platform and Digital Television payment platform, wherein: described bi-directional digital television terminal, be used for obtaining merchandise news and the bank card call number of user selection binding digital television intelligent card and the payment cipher of corresponding bank card thereof of user's buying, generate a procurement of commodities order and send to described digital television intelligent card, and obtain the consumer sale payment request instruction of described digital television intelligent card feedback; Be used for sending consumer sale payment request instruction to the Digital Television shopping platform, comprise bank card call number and the described payment cipher of described digital television intelligent card number, user selection binding digital television intelligent card in the described consumer sale payment request instruction; Described Digital Television payment platform, be used for utilizing bank card call number and the described payment cipher of described digital television intelligent card number, user selection binding digital television intelligent card, finish the payment of described consumer sale request by described Digital Television shopping platform and Unionpay's public payment platform.
Technique scheme has following beneficial effect: because adopt bank card and digital television intelligent card binding to carry out the technological means of consumer sale, the Digital Television payment scheme cost based on digital television intelligent card that the embodiment of the invention proposes is low, safe, exploitativeness is strong, can popularize on a large scale and dispose.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art, the below will do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art, apparently, accompanying drawing in the following describes only is some embodiments of the present invention, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is a kind of Digital Television method of payment flow chart based on digital television intelligent card of the embodiment of the invention;
Fig. 2 is that a kind of Digital Television payment system based on digital television intelligent card of the embodiment of the invention forms schematic diagram;
Fig. 3 is application example bank card of the present invention and digital television intelligent card card binding schematic flow sheet;
Fig. 4 is application example Digital Television purchase transaction schematic flow sheet of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the invention, the technical scheme in the embodiment of the invention is clearly and completely described, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making the every other embodiment that obtains under the creative work prerequisite.
As shown in Figure 1, be a kind of Digital Television method of payment flow chart based on digital television intelligent card of the embodiment of the invention, described method comprises:
101, obtain merchandise news and the bank card call number of user selection binding digital television intelligent card and the payment cipher of corresponding bank card thereof of user's buying, generate a procurement of commodities order and send to described digital television intelligent card, and obtain the consumer sale payment request instruction of described digital television intelligent card feedback.
Optionally, described bank card information comprises following one or more: Bank Account Number or debt-credit note card number, bank of deposit, account holder's name, identification card number, cell-phone number etc.; After described digital television intelligent card receives described bank card information, can sign and encryption, described Digital Television shopping platform carries out verification to this instruction after getting access to described transaction payment request instruction, and described Digital Television payment platform carries out signature verification and decryption processing after receiving bank card information.
Optionally, described merchandise news and the bank card call number of user selection binding digital television intelligent card and the payment cipher of corresponding bank card thereof that obtains user's buying, generate a procurement of commodities order and send to before the described digital television intelligent card, described method can also comprise: described digital television intelligent card and described bank card are bound.Optionally, described described digital television intelligent card and described bank card are bound, can comprise: the bank card information of obtaining the described digital television intelligent card of binding of user's input, generate a bank card binding request instruction message and send to described digital television intelligent card, and obtain the described digital television intelligent card of described digital television intelligent card feedback and the binding call number of described bank card; Send the bank card binding request data package to described Digital Television shopping platform, comprise the binding call number of described digital television intelligent card number, described bank card information and described digital television intelligent card and described bank card in the described bank card binding request data package; By described Digital Television shopping platform, in the Digital Television payment platform, preserve the binding call number of described digital television intelligent card number, described bank card information and described digital television intelligent card and described bank card.
102, send the consumer sale request to the Digital Television shopping platform, comprise bank card call number and the described payment cipher of described digital television intelligent card number, user selection binding digital television intelligent card in the described consumer sale payment request instruction.
103, utilize bank card call number and the described payment cipher of described digital television intelligent card number, user selection binding digital television intelligent card, finish the payment of described consumer sale request by described Digital Television shopping platform and payment platform.
Optionally, described described digital television intelligent card number and the described payment cipher of utilizing, finish the payment of described consumer sale request by described Digital Television shopping platform and payment platform, can comprise: described Digital Television payment platform utilizes described digital television intelligent card number and described payment cipher, and according to the binding call number of described digital television intelligent card and described bank card, the bank card information of the described digital television intelligent card of retrieval binding forms payment request instruction data and submits to Unionpay's public payment platform to finish the payment of described consumer sale request.
The embodiment of the invention is because the technological means of consumer sale is carried out in employing bank card and digital television intelligent card binding, the Digital Television payment scheme cost based on digital television intelligent card that proposes is low, safe, exploitativeness is strong, can popularize on a large scale and dispose.
Corresponding to said method embodiment, as shown in Figure 2, for a kind of Digital Television payment system based on digital television intelligent card of the embodiment of the invention forms schematic diagram, described system comprises digital television intelligent card 21, bi-directional digital television terminal 22, Digital Television shopping platform 23 and Digital Television payment platform 24, wherein:
Described bi-directional digital television terminal 22, be used for obtaining merchandise news and the bank card call number of user selection binding digital television intelligent card 21 and the payment cipher of corresponding bank card thereof of user's buying, generate a procurement of commodities order and send to described digital television intelligent card 21, and obtain the consumer sale payment request instruction of described digital television intelligent card 21 feedbacks; Be used for sending the consumer sale request to Digital Television shopping platform 23, comprise bank card call number and the described payment cipher of No. 21, described digital television intelligent card, user selection binding digital television intelligent card in the described consumer sale payment request instruction;
Described Digital Television payment platform 24, be used for utilizing bank card call number and the described payment cipher of No. 21, described digital television intelligent card, user selection binding digital television intelligent card, finish the payment of described consumer sale request by described Digital Television shopping platform 23 and Unionpay's public payment platform.
Optionally, described bi-directional digital television terminal 22, also be used for obtaining merchandise news and the bank card call number of user selection binding digital television intelligent card 21 and the payment cipher of corresponding bank card thereof of user's buying, generate a procurement of commodities order and send to before the described digital television intelligent card 21, described digital television intelligent card 21 is bound with described bank card.
Optionally, described bi-directional digital television terminal 22 is bound described digital television intelligent card 21 with described bank card, can comprise: described bi-directional digital television terminal 22 is obtained the bank card information of the described digital television intelligent card 21 of binding of user's input, generate a bank card binding request instruction message and send to described digital television intelligent card 21, and obtain the described digital television intelligent card 21 of described digital television intelligent card 21 feedbacks and the binding call number of described bank card; Described bi-directional digital television terminal 22 sends the bank card binding request data package to described Digital Television shopping platform 23, comprises the binding call number of No. 21, described digital television intelligent card, described bank card information and described digital television intelligent card 21 and described bank card in the described bank card binding request data package; Described Digital Television shopping platform 23, the binding call number of in Digital Television payment platform 24, preserving No. 21, described digital television intelligent card, described bank card information and described digital television intelligent card 21 and described bank card.
Optionally, described Digital Television payment platform 24 utilizes No. 21, described digital television intelligent card and described payment cipher, finish the payment of described consumer sale request by described Digital Television shopping platform 23 and payment platform, comprise: described Digital Television payment platform 24 utilizes No. 21, described digital television intelligent card and described payment cipher, and according to the binding call number of described digital television intelligent card 21 with described bank card, the bank card information of the described digital television intelligent card 21 of retrieval binding forms payment request instruction data and submits to Unionpay's public payment platform to finish the payment of described consumer sale request.
Optionally, described bank card information comprises following one or more: Bank Account Number or debt-credit note card number, bank of deposit, account holder's name, identification card number, cell-phone number; After described digital television intelligent card receives described bank card information, sign and encryption, described Digital Television shopping platform carries out verification to this instruction after getting access to described transaction payment request instruction, and described Digital Television payment platform carries out signature verification and decryption processing after receiving bank card information
The embodiment of the invention is because the technological means of consumer sale is carried out in employing bank card and digital television intelligent card binding, the Digital Television payment scheme cost based on digital television intelligent card that proposes is low, safe, exploitativeness is strong, can popularize on a large scale and dispose.
The below's act digital television intelligent card is that the example of CA card describes, and the technical program operation flow comprises binding and two steps of consumer sale:
1, bank card and CA card binding flow process:
As shown in Figure 3, be application example bank card of the present invention and CA card binding schematic flow sheet, be briefly described below for the bank card shown in the figure and CA card binding flow process:
1.. the user forms bank card binding request instruction message and send the CA card to process according to user's input information by means of the bank card information (comprising the information such as Bank Account Number or debt-credit note card number, bank of deposit, account holder's name, identification card number, cell-phone number) of the input of bank card binding interface with the binding of CA card of bi-directional digital television terminal.
2. after the bank card binding request message of bi-directional digital television terminal is received in the .CA clamping, add CA card number and bank card binding call number, the sensitive data in the bank card binding request instruction is encrypted and signs rear as response output.
3.. the communication protocol between bi-directional digital television terminal basis and the Digital Television shopping platform sends the bank card binding request data package to the Digital Television shopping platform.
4.. after the Digital Television shopping platform receives the bank card binding request data package of bi-directional digital television terminal, packet is carried out verification and bank card binding request instruction data are transmitted the Digital Television payment platform, ask it to assist to carry out the bank card binding operation.
5.. the Digital Television payment platform carries out signature verification and deciphering to the bank card binding request instruction, stores the binding information of bank card and CA card, and returns the bank card binding result to the Digital Television shopping platform.
6.. the Digital Television shopping platform sends bank card binding request result to the bi-directional digital television terminal, and the bi-directional digital television terminal is notified user's bank card binding result by the Digital Television interface.
2, consumer sale flow process:
As shown in Figure 4, be application example Digital Television purchase transaction schematic flow sheet of the present invention, be briefly described below for the Digital Television purchase transaction flow process shown in the figure:
1.. businessman's business platform is submitted merchandise news to the Digital Television shopping platform, and namely the commodity that provide of businessman are added at shopping system, chooses for the user.The merchandise news that businessman submits to comprises trade name (such as basic license fee, XX program bag etc.), commodity code, cargo price, businessman's title etc.
2.. the Digital Television shopping platform is examined after receiving the added application of commodity that the businessman business platform submits to, after audit is passed through with the formal added sale of commodity.At this moment, the user can browse normal commodity on sale by the bi-directional digital television terminal.
3.. the user is according to the hobby of oneself, and the free choice of goods is selected the bank card of binding and inputted payment cipher by means of television interfaces by remote controller, and the bi-directional digital television terminal forms a procurement of commodities order and gives the CA card.
4. the .CA card is verified the critical data of purchase order, form consumer sale payment request instruction (having comprised the information such as the goods number intending buying, quantity purchase, commodity total price, bank card binding call number, payment cipher), and the sensitive data in the instruction is encrypted, behind the signature as response output.
5.. the communication protocol between bi-directional digital television terminal basis and the Digital Television shopping platform, send the consumer sale request to it, comprise consumer sale payment request instruction in the consumer sale request msg.
6.. after the Digital Television shopping platform receives the consumption request of bi-directional digital television terminal, the consumption request msg is carried out verification and consumer sale is paid request instruction transmission Digital Television payment platform, ask it to assist to carry out delivery operation.
7.. the Digital Television payment platform carries out signature verification and deciphering to consumption transaction payment request instruction, and according to bank card binding call number retrieval bank's card number or Bank Account Number and account holder's name, form payment request instruction data and submit Unionpay's public payment platform to, ask it to assist to carry out delivery operation.
8.. Unionpay's public payment platform is according to the payment request instruction that receives, and the correlation subsystem in the collaborative native system is carried out delivery operation.After Unionpay's public payment platform is finished delivery operation, payment result is informed the Digital Television payment platform.
9.. the Digital Television payment platform is informed the Digital Television shopping platform with payment result.
10.. the Digital Television shopping platform sends the announcement information of merchandise sales to businessman's business platform according to payment result, the relevant informations such as CA card card number that in announcement information, comprise commodity code, quantity purchase, purchaser, businessman's business platform carries out order processing after receiving the merchandise sales information that the Digital Television shopping platform sends over.
Figure BDA0000053986650000071
The Digital Television shopping platform sends consumer sale request result to the bi-directional digital television terminal, and the bi-directional digital television terminal is notified user's commodity purchasing result by the Digital Television interface.
The example that top application example act digital television intelligent card is the CA card describes, and its operation flow comprises binding and two steps of consumer sale, if preset bank card binding information when CA snaps in user's hand, then no longer needs to bind flow process.It is that the example with composite card of CA card and bank card dual-use function describes that the below lifts digital television intelligent card, it can directly carry out consumer sale: obtain the merchandise news of user's buying and bank card and the payment cipher of user selection binding composite card, generate a procurement of commodities order and send to described composite card, and obtain the consumer sale payment request instruction of described composite card feedback; Send the consumer sale request to the Digital Television shopping platform, comprise described composite card card number and described payment cipher in the described consumer sale payment request instruction; Utilize described composite card card number and described payment cipher, the payment of finishing described consumer sale request by described Digital Television shopping platform and payment platform gets final product, and the above-mentioned application example of idiographic flow details reference repeats no more herein.
The embodiment of the invention has the composite card of CA card and bank card dual-use function, can PBOC (The People ' s Bank of China will be met, People's Bank of China) the bank card application integration of 2.0 standards is in the CA card, make the CA card decipher program except having in the common digital television system simultaneously, the functions such as storage program mandate also have bank card functionality (that is to say that CA has preset bank card binding information when snapping in user's hand) outward, the user only just can finish the payment transaction operation by the trading password of inputting this bank card account number, and payment transaction safety is guaranteed by the PBOC2.0 standard.
Can't take into account simultaneously cost, fail safe, exploitativeness for existing Digital Television payment scheme, can't popularize on a large scale and dispose, the embodiment of the invention propose based on CA (Conditional Access, Conditional Access) the Digital Television payment scheme cost of card is low, safe, exploitativeness is strong, can popularize on a large scale and dispose.Digital Television payment scheme advantage based on the CA card is as follows: use smart card as the guarantee of safety certification, and safe; Interface is simple, utilizes the original intelligent card interface of set-top box; Cost is low, and a sheet smart card can be supported simultaneously the Digital Television deciphering and pay two large functions by mails; It is convenient to implement, and does not need top-set hardware is transformed, and only needs upgrade software to get final product.
One of ordinary skill in the art will appreciate that all or part of step that realizes in above-described embodiment method is to come the instruction related hardware to finish by program, described program can be stored in the computer read/write memory medium, this program is when carrying out, comprise above-mentioned all or part of step, described storage medium, as: ROM/RAM, disk, CD etc.
Above-described embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is the specific embodiment of the present invention; the protection range that is not intended to limit the present invention; within the spirit and principles in the present invention all, any modification of making, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.

Claims (4)

1. the Digital Television method of payment based on digital television intelligent card is characterized in that, described method comprises:
Digital television intelligent card and bank card are bound;
Obtain merchandise news and the bank card call number of user selection binding digital television intelligent card and the payment cipher of corresponding bank card thereof of user's buying, generate a procurement of commodities order and send to described digital television intelligent card, and obtain the consumer sale payment request instruction of described digital television intelligent card feedback;
Send consumer sale payment request instruction to the Digital Television shopping platform, comprise bank card call number and the described payment cipher of described digital television intelligent card number, user selection binding digital television intelligent card in the described consumer sale payment request instruction;
Utilize bank card call number and the described payment cipher of described digital television intelligent card number, user selection binding digital television intelligent card, finish the payment of described consumer sale request by described Digital Television shopping platform and payment platform;
Wherein, described digital television intelligent card and bank card are bound, comprising:
Obtain the bank card information of the described digital television intelligent card of binding of user's input, generate a bank card binding request instruction message and send to described digital television intelligent card, and obtain the described digital television intelligent card of described digital television intelligent card feedback and the binding call number of described bank card;
Send the bank card binding request data package to described Digital Television shopping platform, comprise the binding call number of described digital television intelligent card number, described bank card information and described digital television intelligent card and described bank card in the described bank card binding request data package;
By described Digital Television shopping platform, in the Digital Television payment platform, preserve the binding call number of described digital television intelligent card number, described bank card information and described digital television intelligent card and described bank card;
Described bank card information comprises following one or more: Bank Account Number or debt-credit note card number, bank of deposit, account holder's name, identification card number, cell-phone number; After described digital television intelligent card receives described bank card information, sign and encryption, described Digital Television shopping platform carries out signature verification and decryption processing after getting access to described bank card information.
2. method as claimed in claim 1 is characterized in that, described described digital television intelligent card number and the described payment cipher of utilizing finished the payment of described consumer sale request by described Digital Television shopping platform and payment platform, comprising:
Described Digital Television payment platform utilizes described digital television intelligent card number and described payment cipher, and according to the binding call number of described digital television intelligent card and described bank card, the bank card information of the described digital television intelligent card of retrieval binding forms payment request instruction data and submits to Unionpay's public payment platform to finish the payment of described consumer sale request.
3. Digital Television payment system based on digital television intelligent card, it is characterized in that, described system comprises digital television intelligent card, bi-directional digital television terminal, Digital Television shopping platform and Digital Television payment platform, and described digital television intelligent card and bank card are bound; Wherein:
Described bi-directional digital television terminal, be used for obtaining merchandise news and the bank card call number of user selection binding digital television intelligent card and the payment cipher of corresponding bank card thereof of user's buying, generate a procurement of commodities order and send to described digital television intelligent card, and obtain the consumer sale payment request instruction of described digital television intelligent card feedback; Be used for sending consumer sale payment request instruction to the Digital Television shopping platform, comprise bank card call number and the described payment cipher of described digital television intelligent card number, user selection binding digital television intelligent card in the described consumer sale payment request instruction;
Described Digital Television payment platform, be used for utilizing bank card call number and the described payment cipher of described digital television intelligent card number, user selection binding digital television intelligent card, finish the payment of described consumer sale request by described Digital Television shopping platform and Unionpay's public payment platform;
Wherein, described bi-directional digital television terminal is bound described digital television intelligent card and bank card, comprising:
Described bi-directional digital television terminal is obtained the bank card information of the described digital television intelligent card of binding of user's input, generate a bank card binding request instruction message and send to described digital television intelligent card, and obtain the described digital television intelligent card of described digital television intelligent card feedback and the binding call number of described bank card;
Described bi-directional digital television terminal sends the bank card binding request data package to described Digital Television shopping platform, comprises the binding call number of described digital television intelligent card number, described bank card information and described digital television intelligent card and described bank card in the described bank card binding request data package;
Described Digital Television shopping platform, the binding call number of in the Digital Television payment platform, preserving described digital television intelligent card number, described bank card information and described digital television intelligent card and described bank card;
Described bank card information comprises following one or more: Bank Account Number or debt-credit note card number, bank of deposit, account holder's name, identification card number, cell-phone number; After described digital television intelligent card receives described bank card information, sign and encryption, described Digital Television shopping platform carries out verification to this instruction after getting access to described transaction payment request instruction, and described Digital Television payment platform carries out signature verification and decryption processing after receiving bank card information.
4. system as claimed in claim 3 is characterized in that, described Digital Television payment platform utilizes described digital television intelligent card number and described payment cipher, finishes the payment of described consumer sale request by described Digital Television shopping platform and payment platform, comprising:
Described Digital Television payment platform utilizes described digital television intelligent card number and described payment cipher, and according to the binding call number of described digital television intelligent card and described bank card, the bank card information of the described digital television intelligent card of retrieval binding forms payment request instruction data and submits to Unionpay's public payment platform to finish the payment of described consumer sale request.
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