CN104537529B - A kind of live offline electronic payment transaction system and method based on portable terminal device general-purpose interface - Google Patents
A kind of live offline electronic payment transaction system and method based on portable terminal device general-purpose interface Download PDFInfo
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- CN104537529B CN104537529B CN201510019943.3A CN201510019943A CN104537529B CN 104537529 B CN104537529 B CN 104537529B CN 201510019943 A CN201510019943 A CN 201510019943A CN 104537529 B CN104537529 B CN 104537529B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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Abstract
The present invention discloses a kind of live offline electronic payment transaction system and method based on portable terminal device general-purpose interface, during payment transaction, consumer is using portable terminal device under offline scenario, pass through the common general-purpose interfaces of PDA such as audio earphone interface, to the consumption and payment terminal of businessman, the payment funding voucher coding information of the uniqueness for the platform signature that one-way transmission is downloaded from payment platform in advance, from POS machine online to payment platform checking information authenticity, payment platform, which performs, to be paid and settles accounts, and returns to confirmation message to POS.PDA need not network when being merchandised using the present invention, only need unidirectionally to transmit information to POS and POS need not be to PDA echo-plex information, and the audio earphone interface for using common intelligent terminal all to possess can be achieved.Particularly password need not be inputted in the small amount payment situation frequently occurred, it is therefore prevented that the caused security risk of consumer account's password leakage in public places, and also process of exchange is convenient, fast.
Description
Technical field
The invention belongs to the mobile payment field of mobile Internet, and in particular to a kind of based on portable terminal device general-purpose interface
Live offline electronic payment transaction system and method.
Background technology
Cashless payment is a kind of common mode of doing business in today's society.In general, bank's account that consumer passes through businessman
Family or other payment accounts participate in the transaction of purchase commodity.Process of exchange is required for verification consumer account information and its consumption
Medium bank card or intelligent machine PDA, and its identity or amount information of businessman or card swiping terminal POS terminal carry out.And by upper
When the mode of stating carries out payment transaction, scene input password in public places is generally required, be easy to cause the leakage of password, particularly
It is not only cumbersome when small amount of money payment frequently occurring in life, but also unsafe hidden danger is come to the safety belt of password.
How to avoid the problem that payment cipher leakage cause monetary losses, solve recurrent small amount payment convenience and
Agility, offers convenience and safe, is that the field technology personnel have the problem of to be solved as far as possible to consumer.
The content of the invention
For deficiencies of the prior art, the object of the present invention is to provide a kind of conveniently, safely and efficiently base
In live the offline electronic payment transaction system and method for portable terminal device general-purpose interface.
Realize above-mentioned purpose, the present invention adopts the following technical scheme that：It is a kind of based on portable terminal device general-purpose interface scene from
Line payment transaction system, it is characterised in that the system comprises：Portable terminal device（PDA）, consumption terminal（POS）And payment platform；
The portable terminal device（PDA）It is real equipped with message processing module and audio coding and delivery module, message processing module
Existing user's signature, encryption, verification, payment and the processing of the communication information；The consumption terminal（POS）Equipped with data processing module and
Audio coding and receiving module, data processing module realize the place for checking and accepting user's signature, encryption, verification, payment and the communication information
Reason, and the storage of payment funding voucher coding information and processing；The payment platform is equipped with special module, realization and portable terminal device
（PDA）And consumption terminal（POS）The generation and storage of transaction funds evidence for payment coding information；
The portable terminal device（PDA）Using not remote networking online mode（3G, WIFI etc.）, and pass through portable terminal device
（PDA）General-purpose interface send payment information scene to consumption terminal（POS）, portable terminal device（PDA）And consumption terminal（POS）
Data exchange is entered using harmonious interface and codec protocol.
The present invention also provides a kind of live offline electronic payment method of commerce based on portable terminal device general-purpose interface, stated using above-mentioned
Live offline electronic payment transaction system；Its method of commerce includes：
Consumer passes through portable terminal device（PDA）In advance from payment platform obtain platform signature uniqueness payment funding with
Card coding information is simultaneously stored in portable terminal device（PDA）On；During transaction, consumer passes through portable terminal device（PDA）Pass through sound at the scene
Frequency sends payment funding voucher coding information to POS；POS sign again after by network to payment platform send payment funding voucher
Coding information；Transfer payment clearing are performed after payment platform verification, and is returned to POS and confirms and feed back consumption terminal（POS）It is complete
Into payment transaction process；
The payment funding voucher coding information is uniqueness by payment platform digital signature.
The payment funding voucher coding information can also carry the other informations such as customer identification, account, the term of validity, but
It is not necessary condition.Database association above- mentioned information can be passed through on payment platform.
When consumer is with businessman's payment transaction, consumer inputs the amount of money for needing to pay on PDA, and PDA programs can incite somebody to action
One or more above-mentioned payment funding voucher coding information forms set, by the common interfaces of PDA particularly mobile phone terminal all
The audio interface having, including but not limited to carries out wired direct-connected, the infrared external ear of audio conversion of circuit by earphone audio interface
External earphone interface plug-in unit of machine interface card, audio conversion bluetooth etc..
Above- mentioned information is converted into the code/decode format of corresponding interface, it is non-networked, scene, uniaxially above-mentioned to the band of businessman
The consumption terminal of interface（POS）Transmission.PDA is sent and POS is received and used harmonious interface and codec protocol.Band is compiled
The generation of audio file of code information can use DTMF or FSK modes or other coding modes, by common Android or
IOS system softwares generate the audio broadcast format with coding information.In addition, when PDA is to POS transmission information, can also select
Select other interface modes such as loudspeaker, screen bar code/two-dimension code pattern, NFC.
Above- mentioned information generates audio file by software transcoding, passes through the common earphone external tappings of PDA and loudspeaker, audio
Wired connection or sound wave are delivered to POS, therefore system greatly simplifies the requirement of consumer's terminal device, even if that is, consumer is simply
Common smart mobile phone, without the intelligent terminal with NFC function do not popularized still currently, can also realize on-site payment process,
Greatly improve universal adaptability of the system to consumer end.
Simultaneously as information transmission is initiated from PDA to POS in flow, it only need to unidirectionally send and information transmission can be achieved
With the adequate condition of payment.I.e. following processes are not necessary conditions：POS is sent to PDA or feedback checking information, and transfers to PDA
Decoding receives, this is not necessary condition.Therefore, mobile phone end PDA device software and hardware receives information, analyzes, decodes, handles
The requirement of the performances such as ability is not just especially high, this further improves universal adaptability of the system to consumer end.
Compared with prior art, the present invention has the advantages that：
1st, the present invention passes through common smart mobile phone terminal（Rather than it is not the NFC mobile phone terminal popularized very much）, exist in non-networked
Realize that cashless payment is merchandised in line situation, since the payment funding voucher coding information of transmission has been signed via payment platform numeral
Name and various codings, and be uniqueness.Then inputting identity or account password authentification of message again by consumer becomes many
Necessary condition, at the same without again with payment platform network.In payment process, consumer is without in public places without carrying out
Phone network, without inputting account password, therefore payment process is especially convenient, will not bring because inputting account in public places
Family password causes the hidden danger of personal account password leakage and seems safe.Have the characteristics that convenient, fast, while solve using close
Existing for code the problem of security risk.
When the 2nd, being merchandised using the present invention, PDA only needs unidirectionally to transmit information to POS without networking, and POS to PDA without returning
Breath of delivering letters is returned, and the audio earphone interface all possessed using common intelligent terminal can be achieved, and not only conform to most vast disappear
Fei Zhe, particularly need not input password, it is therefore prevented that consumer account is close in public places in the small amount payment situation frequently occurred
The security risk of code leakage, and process of exchange is convenient and efficient.
3rd, above-mentioned payment process is especially suitable for the small amount payment situation that frequently occurs.
Certainly, the payment funding voucher coding preserved on the mobile phone brought in order to prevent by situations such as lost mobile phone, public uses
Information is stolen, it is necessary to which input handset password or other forms password or certification, are particularly stored with mobile phone or implement wholesale
Payment scenarios.It can also be reported the loss or freeze to platform request for funds after lost mobile phone.
4th, when PDA is to POS transmission evidence for payment coding informations, one or more evidence for payment coding information can be transmitted,
The information such as account password or PDA digital signature is manually entered without the need for consumer.Also, in flow above- mentioned information from PDA to
POS is initiated, and it is unidirectional send, sent without necessarily POS to PDA or feedback.
Brief description of the drawings
Fig. 1 is the structure diagram of the live offline electronic payment transaction system of the invention based on portable terminal device general-purpose interface.
Fig. 2 is the live offline electronic payment transaction payment process operational flowchart of the invention based on portable terminal device general-purpose interface.
Fig. 3 is PDA of the present invention and POS information communication interface block diagram.
Embodiment
The present invention is described in further detail with reference to the accompanying drawings and detailed description.
In the present invention, PDA refers both to portable terminal device, such as smart mobile phone, PAD equipment etc.；POS is consumption terminal.
Referring to Fig. 1 and Fig. 3, a kind of live offline electronic payment transaction system based on portable terminal device general-purpose interface, including：It is portable
Terminal（PDA）（Including smart mobile phone, PAD equipment etc.）, consumption terminal（POS）And payment platform；
The portable terminal device（PDA）It is real equipped with message processing module and audio coding and delivery module, message processing module
Existing user's signature, encryption, verification, payment and the processing of the communication information；The consumption terminal（POS）Equipped with data processing module and
Audio coding and receiving module, data processing module realize the place for checking and accepting user's signature, encryption, verification, payment and the communication information
Reason, and the storage of payment funding voucher coding information and processing；The payment platform is equipped with special module, realization and portable terminal device
（PDA）And consumption terminal（POS）The generation and storage of transaction funds evidence for payment coding information；
The portable terminal device（PDA）Using not remote networking online mode（3G, WIFI etc.）, and pass through portable terminal device
（PDA）General-purpose interface send payment information scene to consumption terminal（POS）, portable terminal device（PDA）And consumption terminal（POS）
Data exchange is entered using harmonious interface and codec protocol.
The present invention uses portable terminal device using consumer（PDA）, with platform networking operation, pass through certification software and certification machine
System, by cash purchase or transfers accounts, the mode such as credit, from payment platform（Such as bank's platform, Third-party payment platform）Obtain
Payment funding voucher coding information, and this information is stored in portable terminal device（PDA）On.
Payment funding voucher coding information represents certain payment amount amount of money, by payment platform digital signature.And platform
Upper every information is different from, and has uniqueness, while every information has suitable digit and certain randomness, after adding
The continuous precautionary measures introduced, the probability of success that the external world feels out the information content be it is very low-down, it is almost unrealistic, to ensure
The security of payment information.Certain above- mentioned information is encryption and kept secure in payment platform.
Payment funding voucher coding information is downloaded by payment platform by certification and encrypted transmission and is held on PDA.This
A little payment funding voucher coding informations can be one or more, represent it is a number of can be with payment.
As shown in Fig. 2, a kind of live offline electronic payment method of commerce based on portable terminal device general-purpose interface, using the scene
Offline electronic payment transaction system；Its method of commerce includes：
Consumer passes through portable terminal device（PDA）In advance from payment platform obtain platform signature uniqueness payment funding with
Card coding information is simultaneously stored in portable terminal device（PDA）On；During transaction, pass through portable terminal device（PDA）At the scene by audio to POS
Send payment funding voucher coding information；POS sends payment funding voucher coding by network after signing again to payment platform to be believed
Breath；Transfer payment clearing are performed after payment platform verification, and is returned to POS and confirms and feed back consumption terminal（POS）Complete to pay
Process of exchange.The payment funding voucher coding information is uniqueness by payment platform digital signature.
Payment platform previously generates a certain number of payment funding voucher coding informations, and the storage that maintains secrecy.These information by
Specific random function generation, every information is all unique, and every information has suitable digit such as more than 120bit, and by propping up
Pay platform secret key digital signature, these information again by having attached the information such as principal amount information, the term of validity after certain rule encoding,
Even consumer information is superimposed again when consumer buys with compensation.Payment platform passes through database association consumer and PDA information
With business opportunity and POS information, these information can pre- typing or automated validation generation.
During consumer spending or before consumption, by PDA application software or other network authentication approach, by exchanging with compensation,
Transfer accounts, credit, or even third party's transfer, one or more payment funding voucher coding information is obtained, to obtain expected fund number
The evidence for payment of amount.The evidence for payment coding information is downloaded by payment platform by certification and encrypted transmission and is held in PDA
On.
When with businessman small amount payment transaction occurs for consumer, consumer need to only input the amount of money for needing to pay on PDA,
PDA application programs correspond to the one or more of the above-mentioned amount of money payment funding voucher coding for being stored in consumer PDA terminal business automatically
Information aggregate is sent to POS.Because the payment funding voucher coding information transmitted is via payment platform digital signature and various
Coding, and be uniqueness, therefore consumer is without middle input account password, therefore payment process is especially just in public places
Victory, will not bring personal account password is revealed caused by inputting account password in public places hidden danger and the safety that seems.
When wholesale consumption occurs, authentication can be come with input gesture password or other forms password, to prevent because
The illegal payment risk brought by situations such as lost mobile phone, public uses.
If the fund to prestore more than PDA that disburses funds of consumer entering, PDA will remind consumer's insufficient funds, need
Consumer is wanted to continue to pay dues or abandon to pay in payment platform.If the fund information of consumer entering is less than the money that PDA is automatically formed
The amount of money representated by golden coding information optimum combination, the amount information of consumer entering also will be sent to POS in the lump and pass through POS
Payment platform is uploaded, payment platform operates the small change for occurring subsequently to introduce.If the fund of consumer entering can just meet
The amount of money representated by fund coding information optimum combination that PDA is automatically formed, then PDA need to only transmit payment funding voucher coded set
Close information.
Above- mentioned information is converted into audio coding information by PDA.The generation of audio file with coding information can use
DTMF or FSK modes or other coding modes, are generated with coding information by common Android or IOS system softwares
Audio broadcast format.These are loaded with the audio coding information of payment funding voucher coding information, by earphone audio interface, use
The wired direct-connected mode of circuit, or the dress such as the infrared external earphone interface plug-in unit of audio conversion, the external earphone interface plug-in unit of audio conversion bluetooth
Put to POS and send.The earphone interface transmission all possessed using mobile phone, even if therefore consumer's simply common smart mobile phone, if not
Band NFC function, can also realize on-site payment, improve the universal adaptability of terminal and consumers' perceptions.
The consumption terminal of businessman（POS）With being connect with the consistent audio interface of PDA information transmission coordinations, or infrared or bluetooth
Mouthful, and corresponding codec protocol.In other aspect such as information processings, display and digital encrypting and decrypting, networking upload
Hold similar to tradition POS.The system POS machine can also be even without band finger-impu system.POS signs above- mentioned information again
After upload payment platform.
After payment platform receives the payment funding voucher coding information of POS uploads, payment platform passes through default signature
With database control methods, payment funding voucher coding information and the legal and validation verification of POS are verified, implement money after confirmation
Golden transfer payment operation, and information feeds back to POS terminal, to notify consumer and merchant system to pay successfully.
After the completion of payment process, platform is that the fund voucher code information for representing fund is handled, and is no longer tested
The repeated authentication for the fund voucher code that card passes through the completely the same information content, thus prevents same fund voucher code from believing
Breath is reused and pays, safeguards system safety of payment.
Payment platform also have to the information verification request from POS terminal time interval requirement, fault-tolerant number requirement and
The measures such as the legitimate verification to POS, illegally sound out and attack to prevent.For the situation for needing small change being previously mentioned, branch
Pay the payment funding voucher coding information that platform uploads automatic consumption, and by the difference amount of money generate a new payment funding with
Card coding information is stored in consumer account, while settles accounts the real consumption amount of money to Merchant Account.
The code information of fund voucher, consumer/account information and business opportunity/POS letters due to payment platform database association
Breath, therefore consumer and business opportunity can be by accounts payment platform is reported the loss, reimbursement, frozen capital evidence for payment are encoded or looked into
Payment information is ask, has further ensured the trackability and system safety of payment system and flow.Platform can also be directed to difference
Industry such as sub- account and the corresponding payment funding voucher coding information of the storage of the setting such as public transport, retail shop classification fund and consumption,
Improve the flexibility of payment system.
After PDA transmits payment funding voucher coding information to POS, POS passes through preliminary check, signs and encrypts plus POS
Afterwards, uploaded by online mode of networking according to payment platform communication protocol to payment platform.
POS machine band audio input interface, using with the corresponding decoding protocol of PDA audios transmissions, other aspects are such as at information
The content such as reason, display and digital encrypting and decrypting, networking upload is similar to tradition POS.Because the payment funding that PDA is sent with
Coding information is demonstrate,proved already provided with the information such as principal amount information and signature authentication, consumer or businessman without inputting account on POS
Family password or principal amount information etc., greatly simplify delivery operation so as to which payment process is very convenient.POS machine can also be even
Need not be with finger-impu system.
After payment platform receives the payment funding voucher coding information of POS uploads, payment platform passes through default signature
With database control methods, payment funding voucher coding information is legal and validation verification for verification, implements fund transfer after confirmation
Delivery operation, and information feeds back to POS terminal, to notify consumer and merchant system to pay successfully.
After the completion of payment process, platform is that the fund voucher code information for representing fund is handled, and is no longer tested
The repeated authentication for the fund voucher code that card passes through the completely the same information content, to prevent same fund voucher code information quilt
Reuse and pay, safeguards system safety of payment.
Payment platform also have to the information verification request from POS terminal time interval requirement, fault-tolerant number requirement and
The measures such as the legitimate verification to POS, illegally sound out and attack to prevent.
Payment platform payment data storehouse can associate the code information of fund voucher, consumer/account information and business opportunity/POS
Information, therefore system can realize that consumer is reported the loss by payment platform, reimbursement, freezes or inquire about payment information, payment platform
The corresponding associated fund voucher code information of payment renewal can be realized to realize that the payment small change in payment process operates.Pay
After the completion of payment platform and businessman can complete the function such as fund transfer payment and settlement of transactions in batches or in real time.
Finally illustrate, the above embodiments are merely illustrative of the technical solutions of the present invention and it is unrestricted, although with reference to compared with
The present invention is described in detail in good embodiment, it will be understood by those of ordinary skill in the art that, can be to the technology of invention
Scheme technical scheme is modified or replaced equivalently, without departing from the objective and scope of technical solution of the present invention, it should all cover in this hair
Among bright right.
Claims (5)
- A kind of 1. live offline electronic payment transaction system based on portable terminal device general-purpose interface, it is characterised in that the system comprises： Portable terminal device, consumption terminal and payment platform；The portable terminal device is equipped with message processing module and audio coding and delivery module, and message processing module realizes that user signs Name, encryption, verification, payment and the processing of the communication information；The consumption terminal is equipped with data processing module and audio coding and connects Module is received, data processing module, which is realized, checks and accepts user's signature, encryption, verification, payment and the processing of the communication information, and fund branch Exchange order's coding information storage and processing；The payment platform is equipped with special module, realizes and is handed over portable terminal device and consumption terminal The generation and storage of easy payment funding voucher coding information；Every payment funding voucher coding information represents a certain number of payments The amount of money；The portable terminal device is used to send the payment funding voucher coding information to match with the payment of consumer entering extremely The consumption terminal；The portable terminal device, which is additionally operable to not encode with payment funding voucher in the payment of consumer entering, to be believed When manner of breathing matches, send payment and more than payment payment funding voucher coding information to the consumption terminal；Institute State payment platform be additionally operable to receive payment that the consumption terminal sends and more than payment payment funding with Demonstrate,prove coding information when, consumption funds evidence for payment coding information and by payment and and more than payment payment funding with The difference of card coding information generates new payment funding voucher coding information and is stored in consumer account；The portable terminal device uses not remote networking online mode, and by the general-purpose interface of portable terminal device that payment information is live Consumption terminal, portable terminal device and consumption terminal is sent to hand over into data using harmonious interface and codec protocol Change.
- 2. the live offline electronic payment transaction system based on portable terminal device general-purpose interface according to claim 1, it is characterised in that The portable terminal device includes but not limited to smart mobile phone or PAD equipment；The audio coding and delivery module include but not limited to The wired direct-connected circuit of audio interface, the infrared external interface of audio conversion or audio conversion bluetooth external interface.
- 3. a kind of live offline electronic payment method of commerce based on portable terminal device general-purpose interface, it is characterised in that will using such as right Seek the 1 or 2 live offline electronic payment transaction systems；Its method of commerce includes：The payment funding voucher that consumer obtains the uniqueness that platform is signed by portable terminal device from payment platform in advance encodes letter Cease and be stored on portable terminal device；During transaction, encoded at the scene by audio to payment funding voucher is sent by portable terminal device Information；Payment funding voucher coding information is sent to payment platform by network after signing again；Perform and turn after payment platform verification Payment and settlement is moved, and payment transaction process is completed to returning to confirmation and feeding back consumption terminal；Every payment funding voucher coding letter Breath represents a certain number of payments；The portable terminal device sends the fund branch to match with the payment of consumer entering Exchange order's coding information is to the consumption terminal；When the payment of consumer entering can not be with payment funding voucher coding information When matching, the portable terminal device sends payment and the payment funding voucher coding information more than payment disappears to described Take terminal；When the payment platform receives payment and the payment funding more than payment that the consumption terminal is sent During voucher coding information, consumption funds evidence for payment coding information and by payment and and payment funding more than payment The difference of voucher coding information generates new payment funding voucher coding information and is stored in consumer account；The payment funding voucher coding information is uniqueness by payment platform digital signature.
- 4. live offline electronic payment method of commerce according to claim 3, it is characterised in that the evidence for payment coding information by Consumer obtains with compensation from payment platform in advance, is pre-stored on portable terminal device, and information can one or more.
- 5. live offline electronic payment method of commerce according to claim 3, it is characterised in that when portable terminal device sends information, adopt It is online with not remote networking, transmitted by general-purpose interface scene, may also include one-dimensional screen display or Quick Response Code, NFC, Yi Jisheng The modes such as ripple.
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| CN105243540A (en) * | 2015-11-13 | 2016-01-13 | 广西米付网络技术有限公司 | Bus paying method and payment system based on mobile intelligent terminal |
| CN105243542B (en) * | 2015-11-13 | 2021-07-02 | 咪付（广西）网络技术有限公司 | Dynamic electronic certificate authentication method |
| TWI567666B (en) | 2015-12-04 | 2017-01-21 | 鈊象電子股份有限公司 | System and method for cash flow authentication by a third party platform |
| CN105512877A (en) * | 2016-02-24 | 2016-04-20 | 恒宝股份有限公司 | Headset with payment function and payment method |
| CN111899026A (en) * | 2016-06-20 | 2020-11-06 | 创新先进技术有限公司 | Payment method and device |
| CN106779677A (en) * | 2016-11-21 | 2017-05-31 | 深圳付贝科技有限公司 | A kind of method of payment and its device, electronic equipment and payment system |
| CN108229955A (en) * | 2016-12-14 | 2018-06-29 | 阿里巴巴集团控股有限公司 | Method of payment, payment system and payment mechanism |
| CN109598499A (en) * | 2018-09-19 | 2019-04-09 | 中国银联股份有限公司 | A kind of pre-authorization transaction processing method and pre-authorization transaction processing system |
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| CN104537529A (en) | 2015-04-22 |
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