CN102324076A - Unification all-purpose card payment system based on cloud calculation and method thereof - Google Patents
Unification all-purpose card payment system based on cloud calculation and method thereof Download PDFInfo
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- CN102324076A CN102324076A CN201110246914A CN201110246914A CN102324076A CN 102324076 A CN102324076 A CN 102324076A CN 201110246914 A CN201110246914 A CN 201110246914A CN 201110246914 A CN201110246914 A CN 201110246914A CN 102324076 A CN102324076 A CN 102324076A
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Abstract
The invention provides a unification all-purpose card payment system based on cloud calculation and a method thereof. The system comprises a core control module, payment systems, payment interface modules and payment preposition modules. The core control module connects with each payment system. Each payment system connects with a corresponding payment preposition module through a corresponding payment interface module. Each payment preposition module is in wireless connection with each payment terminal. In the invention, a set of unification payment system is arrayed, a standard unification access interface is provided, difference of employing different payment realization technology is shielded, a user employs payment data of different payment means to carry out management in the unification payment system, and cost of the user is greatly reduced. And, the unification payment system is arrayed at a cloud terminal, unification payment service capability and unification access capability are provided, and maximal flexibility and expansibility are provided for payment capacity and performance.
Description
Technical field
The present invention relates to communication and mobile payment field, particularly a kind of comprehensive unified all-purpose card payment platform and service, specifically a kind of unified all-purpose card payment system and method based on cloud computing.
Background technology
All-purpose card payment role: payment provider, trade company, domestic consumer are the user.Payment provider provides payment system and implementation, and trade company disposes all-purpose card payment system and relevant payment terminal, and domestic consumer utilizes the activity of paying of payable terminal.
Fast-developing in mechanics of communication, particularly move professional today that emerges fast of 3G, the all-purpose card payment technical field also emerges a lot of new ideas and new technology.Existing all-purpose card payment technical field main implementation technique has three kinds, is respectively NFC, SIM-Pass and RF-SIM.Different all-purpose card payment providers adopt the different technologies implementation to promote their payment transaction.
At present, China Telecom adopts the SIM-Pass technology of 13.56MHz; CHINAUNICOM promotes mainly the NFC technology; And China Mobile mainly adopts the RF-SIM technology of 2.4G, and the issue related art scheme; Some other mechanism and group also utilize these technology or some other technology, and payment provides support to all-purpose card.The appearance of these technology and related embodiment has not only promoted the very big development of all-purpose card payment technical field, also greatly improves user's living environment, improves user's quality of the life.
Because each all-purpose card payment provider adopts different technologies, different schemes realizes causing the payment environment between each provider to unify to the support of all-purpose card payment.As shown in Figure 1, if a trade company has adopted the payment scheme of China Mobile, think to introduce again the scheme of China Telecom; Must dispose a cover payment system again again; No any contact between two cover systems cause safeguarding simultaneously two cover payment systems, and cost is than higher.
Cause the main cause of this situation following:
One, each big interests of paying provider
Two, the difference between the different technologies implementation
Three, the difference of different payment terminals
Under the present situation; If trade company will support simultaneously that the user of China Telecom and China Mobile pays; The payment system that just must dispose China Telecom and China Mobile is respectively supported; And not having information interaction between them, the payment data that causes same user on different payment systems, to carry out is difficult to unified the management.
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Summary of the invention
The present invention is directed to the problems referred to above that exist in the prior art; Unified all-purpose card payment system and method based on cloud computing have been proposed; Not only solved payment data unified management problem; Can also accomplish many-sided benefits such as unified logging unified plan unified management, and reduce trade company's cost, can be trade company and user unified payment data query analysis and management service is provided.
Technical scheme of the present invention comprises:
A kind of unified all-purpose card payment system based on cloud computing system; It comprises core management and control module; Payment system, payment interface module and the preposition module of payment, described core management and control module is connected with each payment system; Each payment system is connected with the preposition module of corresponding payment through each corresponding payment interface module, and each pays preposition module and each payment terminal wireless connections.
Described core management and control module realizes linking to each other with payment system, managing payment interface and the preposition module of payment.It mainly is in charge of payment system and inserts, and receives trade company and user's business application request, and according to disposing Resources allocation, comprise payment system, payment interface, payment is preposition and resource such as payment terminal.Manage the load balancing of whole payment environment
Described payment system realizes, links to each other with payment interface module and core management and control module.Be responsible for the access and the communication of payment interface, the managing payment terminal is configured payment terminal equipment.Trade company and associated user are managed, payment data is carried out processed, the data analysis service is provided.With core management and control module communication, the Additional Services that provide some to support payment are such as single-sign-on.Payment system realizes that with concrete payment technology is irrelevant, only is responsible for carrying out the management of concrete payment transaction and data.
Described payment interface module is with payment system and pay preposition module and link to each other.Be responsible for the coordination of data, the data of payment system are assemblied into the standard message form, mail to the preposition module of payment; To pay the up standard message data-switching of preposition module simultaneously is the payment system data.Be responsible for link maintenance simultaneously with payment system and preposition module.
The preposition module of described payment is connected with payment interface.Be responsible for the payment data that payment terminal is transmitted is up converted into the message of standard format, mail to interface module.Be responsible for the link of maintenance and terminal device simultaneously.
Core management and control module of the present invention has comprised AM access module, resource management module, Configuration Manager and service management module; The service management module receives the service request that the user sends as the signal input part of core management and control module; Resource management module receives user's resource information as the signal input part of core management and control module; The signal output part of service management module links to each other with the signal input part of Configuration Manager; Configuration Manager is connected with the resource management module two-phase, and the resource signal input end of resource management module links to each other with the signal output part of AM access module, wherein:
AM access module: link to each other with payment system, be responsible for the registration and the access of payment system, and be in charge of the state of payment system, adopt standard message to carry out communication between payment system and the AM access module;
Resource management module: receive user's resource information, the information of payment provider and the configuration data that Configuration Manager provides as the signal input part of core management and control module; Resource management module links to each other with Configuration Manager, and resource management service is provided, and system resource is managed, and comprises payment interface, the preposition and terminal device of payment; This module is distributed different resource according to configuration information; This module is the payment medium of management all-purpose card, comprises RF-SIM card, NFC card, CPU card and M1 card, and the standard read-write mode of the payment function of payment medium is provided;
Configuration Manager; Be used to receive service management module service request data of sending and the resource data that receives from resource management module, simultaneously, send configuration data to resource management module; Configuration Manager provides configuration service, is responsible for safeguarding trade company and user's configuration data, triggers resource management module after configuring data, and related resource is distributed;
The service management module; Signal input part as core management and control module receives the service request data that the user sends, and the service management module provides business service, supplies trade company and user that business datum is managed, such as selecting type of payment, information such as the modes of payments.
Payment system of the present invention has comprised a plurality of payment systems of paying provider's exploitation.
A kind of unified all-purpose card method of payment based on cloud computing system, it comprises that the payment system of paying provider and access step, the trade company of payment terminal equipment open the step of all-purpose card payment services and the step that the user uses payment services;
The payment system of payment provider and the access step of payment terminal equipment are following:
(a) payment provider exploitation payment system;
(b) communications protocol of communications protocol, payment system and the counterpart expenditure interface of payment provider exploitation payment system and corresponding AM access module, and be incorporated in the payment system;
(c) payment provider or system manager register payment system in resource management module, and system is that manufacturer distributes hardware resource;
(d) payment provider has disposed payment system, and docks completion with AM access module and payment interface, accomplishes the access of payment system;
(e) payment provider will pay preposition module and dock with payment interface; Accomplish the access of the preposition module of payment; If payment provider is according to the suitable preposition module of payment of terminal protocol exploitation of oneself; Before will paying preposition module and the payment interface module is docked, need in resource management module, to register and register;
(f) payment terminal of payment provider and preposition butt joint of payment are accomplished the access at terminal;
The step that trade company opens the all-purpose card payment services is following:
(a) trade company registers in core management and control module;
(b) trade company is according to the type service of self, and operation is applied for and opened to the business of in the service management module, paying;
(c) trade company carries out the configuration of related data in Configuration Manager to each business of opening;
(d) core management and control module mails to resource management module with the configuration data of trade company, and resource management module is distributed to trade company with respective resources;
(e) trade company lands payment system, payment transaction is configured, and payment terminal is inserted the preposition module of payment, accomplishes the open-minded of payment transaction;
The user uses the step of payment services following:
(a) after payment terminal is received user's payment data, with data encapsulation, be uploaded to the payment preposition module;
(b) payment is changed data after preposition module receives terminal data, converts the standard payment data of payment interface into, and with data upload to payment interface;
(c) payment interface is received the standard payment data, according to the resources allocation of resource management module, data is consigned to corresponding payment system handle;
(d) payment system is handled the standard payment data of receiving, accomplishes payment.
In the payment system of payment of the present invention provider and the access step of payment terminal equipment: between steps d, the e; The exploitation of payment provider meets the end product of payment technology; Payment provider exploitation compliance with system has the terminal protocol of the preposition module interface standard of payment now, or preposition according to the suitable payment of terminal protocol exploitation one cover of payment provider oneself.
Trade company of the present invention opens in the step of all-purpose card payment services; The payment transaction that the said trade company of step (b) opens has comprised NFC, SIM-pass, RF-SIM, and the respective resources that the said resource management module of step (d) is distributed to trade company comprises payment system and the preposition module of payment.
The invention has the beneficial effects as follows:
One, payment environment of the present invention unified plan, payment data unified management, the payment user need not be concerned about the deployment of platform and the storage of data.Reduce the use cost of payment.
Two, system of the present invention can insert the payment system and the preposition module of different vendor, and both carry out exchanges data through the payment interface module.The user can freely select payment system and terminal to pay, and same user promptly can use the terminal of NFC also can use the RF-SIM terminal to pay simultaneously.Greatly made things convenient for user's payment activity.
Three, system of the present invention has adopted high expansion scheme, and the access threshold reduction to terminal and payment system does not need payment system to bind concrete payment implementation, and payment system is only managed payment transaction and relevant payment data.Help the development and the growth of whole all-purpose card payment.
We can find out from Fig. 1 and Fig. 2 contrast; Among Fig. 1; The user need be concerned about that promptly paying the realization technology also need pay close attention to separate payment system, and Fig. 2 carries out the cloud management by cloud with separate payment system, and the user does not need to be concerned about payment system again; Pay close attention to and selecting what payment realization technology to get final product, payment system offers usefulness through the form of cloud service.After realizing the present invention, as shown in Figure 2, dispose the unified payment system of a cover; The unified access interface of standard is provided; Shielding adopts different payments to realize the difference of technology, and the user adopts the payment data of different means of payment in unified payment system, to manage, and has greatly reduced user's cost.And, will unify payment system and be deployed in high in the clouds, unified payment services ability and unified access capability are provided, to capacity, the performance of paying maximized dirigibility and extendability are provided.
Description of drawings
The structural representation of the present all-purpose card payment system of Fig. 1.
Fig. 2 unified all-purpose card payment system structural representation based on cloud computing of the present invention.
Fig. 3 theory diagram of the present invention.
Fig. 4 trade company uses all-purpose card payment services process flow diagram
Fig. 5 domestic consumer uses the payment services process flow diagram
The payment system access process figure of Fig. 6 manufacturer
The payment terminal equipment access process figure of Fig. 7 manufacturer
Fig. 8 is the theory diagram of core management and control module of the present invention.
Embodiment
The present invention proposes a kind of unified all-purpose card payment system based on cloud computing, it has merged existing all-purpose card payment system and has carried out unified management, and total system has favorable expansibility, the cost that the reduction user uses all-purpose card to pay.
At length explain below in conjunction with the accompanying drawing specific embodiments of the invention:
As shown in Figure 3, a kind of unified all-purpose card payment system based on cloud computing comprises: a core management and control module, a plurality of payment systems realize, a plurality of payment interface modules, the preposition module of a plurality of payments.Wherein core management and control module comprises: AM access module, service management module, resource management module, Configuration Manager.
Described core management and control module realizes linking to each other with payment system, managing payment interface and the preposition module of payment.It mainly is in charge of payment system and inserts, and receives trade company and user's business application request, and according to disposing Resources allocation, comprise payment system, payment interface, payment is preposition and resource such as payment terminal.Manage the load balancing of whole payment environment.
Described payment system realizes, links to each other with payment interface module and core management and control module.Be responsible for the access and the communication of payment interface, the managing payment terminal is configured terminal device.Trade company and associated user are managed, payment data is carried out processed, the data analysis service is provided.With core management and control module communication, the Additional Services that provide some to support payment are such as single-sign-on.Payment system realizes that with concrete payment technology is irrelevant, only is responsible for carrying out the management of concrete payment transaction and data.
Described payment interface module is with payment system and pay preposition module and link to each other.Be responsible for the coordination of data, the data of payment system are assemblied into the standard message form, mail to the preposition module of payment; To pay the up standard message data-switching of preposition module simultaneously is the payment system data.Be responsible for link maintenance simultaneously with payment system and preposition module.
The preposition module of described payment is connected with payment interface.Be responsible for the payment data of coming on the terminal is converted into the message of standard format, mail to interface module.Be responsible for the link of maintenance and terminal device simultaneously.
Described core management and control module, wherein, AM access module links to each other with payment system, is responsible for the registration and the access of payment system, and is in charge of the state of payment system.Adopt standard message to carry out communication between payment system and the AM access module.
Described core management and control module, wherein, the service management module provides business service, supplies trade company and user that business datum is managed.Such as selecting type of payment, information such as the modes of payments.
Described core management and control module, wherein, resource management module links to each other with Configuration Manager, and resource management service is provided, and system resource is managed, and comprises payment interface, the preposition and terminal device of payment.This module can be distributed different resource according to configuration information.This module also has an important function to manage all-purpose card payment medium exactly, such as RF-SIM card, NFC card, CPU card, M1 card etc., and the standard read-write mode of the payment function of payment medium is provided.
Described core management and control module, wherein, Configuration Manager links to each other with resource management module, and configuration service is provided, and is responsible for safeguarding trade company and user's configuration data.Can trigger resource management module after configuring data, related resource is distributed.
In conjunction with said system, set forth trade company in detail and use all-purpose card payment services, domestic consumer to use detailed process such as payment services, manufacturer's payment system access, the access of manufacturer terminal equipment.
As shown in Figure 4, trade company uses the flow process of all-purpose card payment services following:
One, trade company registers in core management and control module, obtains trade company's authority, and lands the high in the clouds system, like the 1st step of Fig. 4.
Two, the different kinds of business carried out according to self of trade company carries out the business application and opens operation, such as the payment transaction of opening RF-SIM mode and NFC in the service management module.Like the 2nd step of Fig. 4.
Three, trade company carries out the configuration of resource and service related data to each business of opening according to actual conditions in Configuration Manager, such as the needed end message of configuration service, professional needed payment medium etc.Like the 3rd step of Fig. 4.
Four, core management and control module mails to resource management module with the configuration data of trade company automatically; Resource situation according to total system; Give trade company with available resources allocation; These available resourcess mainly comprise payment system and pay preposition module etc., and return to the necessary resource allocation data of trade company, carry out payment transaction for trade company and use.Like the 4th step of Fig. 4.
Five, after trade company obtains the resource of system assignment, land the corresponding payment operation system, concrete payment transaction is configured, and, promptly accomplish the work of opening of whole payment transaction after the preposition module of payment terminal access payment.Like the 5th step of Fig. 4.
As shown in Figure 5, domestic consumer uses the flow process of payment services following:
One, the user registers to merchants, and trade company sets up corresponding payment account, and provides the payment medium to the user, such as RF-SIM card, NFC mobile phone etc., opens user's obligation authority simultaneously.Like the 1st step of Fig. 5.
Two, the user utilizes the payment medium on the payment terminal of trade company, to pay.Like the 2nd step of Fig. 5.
Three, after payment terminal is received user's payment data, be encapsulated as the data that the preposition module of payment needs, and with data upload to paying preposition module.Like the 3rd step of Fig. 5.
Four, payment is changed data after preposition module receives terminal data, converts the standard payment data of payment interface into, and with data upload to payment interface.Like the 4th step of Fig. 5.
Five, payment interface is received the standard payment data, will data be consigned to corresponding payment system handle according to the resources allocation of resource management module.Like the 5th step of Fig. 5.
Six, payment system is handled the standard payment data of receiving, such as preserving database.Like the 6th step of Fig. 5.
Seven, the payment record of User login payment system querying individual, and relevant statistical data analysis.Like the 7th step of Fig. 5.
As shown in Figure 6, the flow process that manufacturer's payment system inserts is following:
One, manufacturer's exploitation payment system, payment system is irrelevant with concrete payment implementation, like the 1st step of Fig. 6.
Two, the communications protocol of manufacturer's exploitation payment system and AM access module and payment interface, and be incorporated in the payment system, like the 2nd step of Fig. 6.
Three, manufacturer or system manager register payment system in resource management module, and distribute the relevant hardware resource, like the 3rd step of Fig. 6.
Four, manufacturer has disposed payment system, and docks completion with AM access module and payment interface, can accomplish the access action of whole payment system, like the 4th step of Fig. 6.
As shown in Figure 7, manufacturer terminal equipment access process is following:
One, manufacturer is from grinding the end product that meets certain payment technology, like the 1st step of Fig. 7.
Two, manufacturer develops the terminal protocol of the preposition module interface standard of the existing payment of compliance with system, and is perhaps preposition according to the suitable payment of terminal protocol exploitation one cover of manufacturer oneself.Inserting for the terminal of manufacturer provides huge dirigibility, like the 2nd step of Fig. 7.
Three, preposition need in resource management module, the registration and register of payment of manufacturer oneself realization.After succeeding in registration, dock with payment interface the payment of manufacturer is preposition, accomplish the preposition access of payment.Need not this operation to the existing payment of system is preposition, like the 3rd step of Fig. 7.
Four, manufacturer terminal is docked with payment is preposition, accomplishes the access at terminal.Like the 4th step of Fig. 7.
Unified all-purpose card payment system based on cloud computing of the present invention; With its great dirigibility and extendability; Simplify trade company and user and used the all-purpose card step of paying; Greatly make things convenient for system and the terminal that different vendor will grind certainly to insert total system, great alternative is provided for the all-purpose card user, no longer be confined to the situation that existing system can only use certain or a certain Terminal Type and system.The present invention has utilized resource to the utmost, improves the competitive power in all-purpose card market, and tangible economic benefit and social benefit are arranged.
Claims (6)
1. unified all-purpose card payment system based on cloud computing system; It is characterized in that it comprises core management and control module; Payment system, payment interface module and the preposition module of payment, described core management and control module is connected with each payment system; Each payment system is connected with the preposition module of corresponding payment through each corresponding payment interface module, and each pays preposition module and each payment terminal equipment wireless connections.
2. the unified all-purpose card payment system based on cloud computing system according to claim 1; It is characterized in that described core management and control module has comprised AM access module, resource management module, Configuration Manager and service management module; The service management module receives the service request that the user sends as the signal input part of core management and control module; Resource management module receives user's resource information as the signal input part of core management and control module; The signal output part of service management module links to each other with the signal input part of Configuration Manager; Configuration Manager is connected with the resource management module two-phase, and the resource signal input end of resource management module links to each other with the signal output part of AM access module, wherein:
AM access module: link to each other with payment system, be responsible for the registration and the access of payment system, and be in charge of the state of payment system, adopt standard message to carry out communication between payment system and the AM access module;
Resource management module: receive user's resource information, the information of payment provider and the configuration data that Configuration Manager provides as the signal input part of core management and control module; Resource management module links to each other with Configuration Manager, and resource management service is provided, and system resource is managed, and comprises payment interface, the preposition and terminal device of payment; This module is distributed different resource according to configuration information; This module is the payment medium of management all-purpose card, comprises RF-SIM card, NFC card, CPU card and M1 card, and the standard read-write mode of the payment function of payment medium is provided;
Configuration Manager; Be used to receive service management module service request data of sending and the resource data that receives from resource management module, simultaneously, send configuration data to resource management module; Configuration Manager provides configuration service, is responsible for safeguarding trade company and user's configuration data, triggers resource management module after configuring data, and related resource is distributed;
The service management module; Signal input part as core management and control module receives the service request data that the user sends, and the service management module provides business service, supplies trade company and user that business datum is managed.
3. the unified all-purpose card payment system based on cloud computing system according to claim 1 is characterized in that described payment system has comprised a plurality of payment systems of paying provider's exploitation.
4. unified all-purpose card method of payment based on cloud computing system; According to claim 1,2 described unified all-purpose card payment systems, it is characterized in that it comprises that the payment system of paying provider and access step, the trade company of payment terminal equipment open the step of all-purpose card payment services and the step that the user uses payment services based on cloud computing system;
The payment system of payment provider and the access step of payment terminal equipment are following:
(a) payment provider exploitation payment system;
(b) communications protocol of communications protocol, payment system and the counterpart expenditure interface of payment provider exploitation payment system and corresponding AM access module, and be incorporated in the payment system;
(c) payment provider or system manager register payment system in resource management module, and system is that manufacturer distributes hardware resource;
(d) payment provider has disposed payment system, and docks completion with AM access module and payment interface, accomplishes the access of payment system;
(e) payment provider will pay preposition module and dock with payment interface; Accomplish the access of the preposition module of payment; If payment provider is according to the suitable preposition module of payment of terminal protocol exploitation of oneself; Before will paying preposition module and the payment interface module is docked, need in resource management module, to register and register;
(f) payment terminal of payment provider and preposition butt joint of payment are accomplished the access at terminal;
The step that trade company opens the all-purpose card payment services is following:
(a) trade company registers in core management and control module;
(b) trade company is according to the type service of self, and operation is applied for and opened to the business of in the service management module, paying;
(c) trade company carries out the configuration of related data in Configuration Manager to each business of opening;
(d) core management and control module mails to resource management module with the configuration data of trade company, and resource management module is distributed to trade company with respective resources;
(e) trade company lands payment system, payment transaction is configured, and payment terminal is inserted the preposition module of payment, accomplishes the open-minded of payment transaction;
The user uses the step of payment services following:
(a) after payment terminal is received user's payment data, with data encapsulation, be uploaded to the payment preposition module;
(b) payment is changed data after preposition module receives terminal data, converts the standard payment data of payment interface into, and with data upload to payment interface;
(c) payment interface is received the standard payment data, according to the resources allocation of resource management module, data is consigned to corresponding payment system handle;
(d) payment system is handled the standard payment data of receiving, accomplishes payment.
5. a kind of unified all-purpose card method of payment based on cloud computing system according to claim 4 is characterized in that paying in the access step of payment system and payment terminal equipment of provider: between steps d, the e; The exploitation of payment provider meets the end product of payment technology; Payment provider exploitation compliance with system has the terminal protocol of the preposition module interface standard of payment now, or preposition according to the suitable payment of terminal protocol exploitation one cover of payment provider oneself.
6. a kind of unified all-purpose card method of payment according to claim 4 based on cloud computing system; It is characterized in that trade company opens in the step of all-purpose card payment services; The payment transaction that the said trade company of step (b) opens has comprised NFC, SIM-pass, RF-SIM, and the respective resources that the said resource management module of step (d) is distributed to trade company comprises payment system and the preposition module of payment.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102800038A (en) * | 2012-08-13 | 2012-11-28 | 南京鑫三强科技实业有限公司 | Intelligence education E-card system platform based on internet of things and cloud computation |
| CN103971230A (en) * | 2014-05-28 | 2014-08-06 | 拓维信息系统股份有限公司 | Unified e-commerce payment system |
| CN104240072A (en) * | 2014-09-27 | 2014-12-24 | 武钢集团昆明钢铁股份有限公司 | Multi-channel network integrated payment system and multi-channel network integrated payment method |
| CN106548332A (en) * | 2016-10-25 | 2017-03-29 | 昆山炫生活信息技术有限公司 | A kind of payment system based on cloud service |
| CN110111092A (en) * | 2019-04-02 | 2019-08-09 | 上海瀚之友信息技术服务有限公司 | A kind of compatible system of payment channel |
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| CN111932237A (en) * | 2020-07-31 | 2020-11-13 | 武汉阿迪克电子股份有限公司 | Cloud-based one-card transaction method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102800038A (en) * | 2012-08-13 | 2012-11-28 | 南京鑫三强科技实业有限公司 | Intelligence education E-card system platform based on internet of things and cloud computation |
| CN102800038B (en) * | 2012-08-13 | 2016-05-18 | 南京鑫三强科技实业有限公司 | Wisdom education E cartoon system platform based on Internet of Things and cloud computing |
| CN103971230A (en) * | 2014-05-28 | 2014-08-06 | 拓维信息系统股份有限公司 | Unified e-commerce payment system |
| CN104240072A (en) * | 2014-09-27 | 2014-12-24 | 武钢集团昆明钢铁股份有限公司 | Multi-channel network integrated payment system and multi-channel network integrated payment method |
| US10417629B2 (en) | 2016-09-02 | 2019-09-17 | Microsoft Technology Licensing, Llc | Account identifier digitization abstraction |
| CN106548332A (en) * | 2016-10-25 | 2017-03-29 | 昆山炫生活信息技术有限公司 | A kind of payment system based on cloud service |
| CN110111092A (en) * | 2019-04-02 | 2019-08-09 | 上海瀚之友信息技术服务有限公司 | A kind of compatible system of payment channel |
| CN110111092B (en) * | 2019-04-02 | 2023-03-24 | 上海瀚之友信息技术服务有限公司 | Compatible system of payment channel |
| CN111932237A (en) * | 2020-07-31 | 2020-11-13 | 武汉阿迪克电子股份有限公司 | Cloud-based one-card transaction method and system |
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Application publication date: 20120118 |