CN105590193A - Dual-channel payment information uploading payment method and payment system - Google Patents
Dual-channel payment information uploading payment method and payment system Download PDFInfo
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- CN105590193A CN105590193A CN201410605331.8A CN201410605331A CN105590193A CN 105590193 A CN105590193 A CN 105590193A CN 201410605331 A CN201410605331 A CN 201410605331A CN 105590193 A CN105590193 A CN 105590193A
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Abstract
The invention relates to a dual-channel payment information uploading payment method and payment system. The payment method comprises the following steps: a cashier scanning a goods, generating order information, and transmitting the order information to a POS terminal; the POS terminal obtaining payment card information of a payment card of a user; the POS terminal uploading the obtained payment card information and the order information to a background server; the POS terminal sending the order information to a mobile terminal; the mobile terminal obtaining a payment password of the user and uploading the payment password and the order information to the background server; and the background server performing matching on a payment order and payment card information sent from the POS terminal and a payment order and the payment password sent from the mobile terminal, and under the condition of match success, sending the payment card information and the payment password to an issuing bank so as to request for payment authorization. By use of the method and system, the payment security can be guaranteed.
Description
Technical field
The present invention relates to computer based method of payment and payment system, relate to particularly method of payment and the payment system of on a kind of Simulation of Dual-channel, sending payment information.
Background technology
Along with the general development of bank finance technology, ATM (ATM), POS machine etc. are seen everywhere in daily life, greatly facilitate the processing to financial transaction in daily life. But, because ATM and POS machine are generally in a kind of open use state, there is certain potential safety hazard.
For example, when user consumes by POS machine, staff first brushes user's bank card once on card reading slot, and then the input of the cipher input on the POS machine password by user, after password authentification is passed through, completes transaction operation. Although, cipher input on POS machine is transportable, limit to a certain extent peeping and taking on the sly of lawless person, but may exist because the mismanagement of POS machine, cause illegal businessman to steal user's card number and password by the POS machine of repacking, and then copy this bank card and reach the object of stealing user's fund.
Again for example, the in the situation that user concluding the business or pays on ATM, user first inserts bank card in ATM, then according to the screen prompt input password on ATM, when input password, be to input by the PIN PAD on keyboard or touch-screen on ATM, after password authentification, can withdraw the money or the financial business such as account transfer operation. Although ATM is easy to use, because ATM quantity is huge and unattended, so just there is certain safety problem. Have lawless person camera or card reader and password register are stealthily installed on ATM, under the password record that people are inputted on ATM, and then obtain the card number information of this card with additive method, by one of bootlegging and the duplicate bank card of this bank card information, just can steal the fund in this card.
Summary of the invention
In view of the above problems, the present invention aims to provide a kind of method of payment and payment system that can prevent from sending on the Simulation of Dual-channel that can guarantee Payment Card Secure Transaction that card number and password stolen by lawless person simultaneously payment information.
The method of payment of sending payment information on Simulation of Dual-channel of the present invention, is characterized in that, comprises the steps:
Sequence information generates step, and cashier's items scanning generates sequence information and sequence information is sent to POS terminal;
Payment card information obtaining step, POS terminal is obtained the payment card information of user's Payment Card;
In payment card information, send step, POS terminal will be delivered to background server in the payment card information of obtaining and sequence information;
Sequence information transfer step, sequence information is sent to mobile terminal by POS terminal;
Payment cipher obtaining step, acquisition for mobile terminal user's payment cipher also will be delivered to background server in payment cipher and sequence information;
Pay invoice coupling step, background server mates with the pay invoice of sending from mobile terminal and payment cipher the pay invoice of sending from POS terminal and payment card information, and in the situation that completing coupling, payment card information and payment cipher is sent to credit card issuer to submit authority to pay to.
Preferably, in described payment card information obtaining step, by swiping the card in POS terminal or non-ly connecing mode or magnetic field induction mode is obtained described payment card information.
Preferably, in described sequence information transfer step, POS terminal sends to mobile terminal by near-field communication mode by sequence information, in described payment cipher obtaining step, mobile terminal by payment cipher and sequence information by delivering to background server on wireless network.
Preferably, described near-field communication mode comprises bluetooth, NFC.
The payment system of sending payment information on Simulation of Dual-channel of the present invention, is characterized in that, comprising:
POS terminal, for obtaining the payment card information of sequence information and Payment Card and for delivering to following background server in the payment card information of obtaining and sequence information, on the other hand for the sequence information of obtaining is sent to following mobile terminal;
Mobile terminal, for obtaining user's payment cipher and for obtaining sequence information from described POS terminal, the payment cipher obtaining and sequence information being sent to following background server;
Background server, for the pay invoice of sending from POS terminal and payment card information are mated with the pay invoice of sending from mobile terminal and payment cipher, and in the situation that completing coupling, payment card information and payment cipher are sent to credit card issuer to submit authority to pay to; And
Credit card issuer, for obtaining payment card information, payment cipher to complete authority to pay from background server.
Preferably, described POS terminal sends to mobile terminal by near-field communication mode by sequence information, described mobile terminal by payment cipher and sequence information by delivering to described background server on wireless network.
Preferably, described near-field communication mode comprises bluetooth, NFC.
Utilize the present invention, carry out under payout status utilizing POS terminal, by utilizing method of payment and the payment system of sending payment information on Simulation of Dual-channel of the present invention, payment card information sends to background server by POS terminal, payment cipher sends to background server by the APP application of mobile terminal, uploads by such two channels, and lawless person is just difficult to steal payment card information and payment cipher simultaneously, therefore, can guarantee payment reliably card use security. Such as, and on the other hand, because now free WIFI is universal, the APP application of mobile terminal can upload to background server by payment card information and payment cipher by free WIFI, therefore, can not produce extra-pay to user, short-message fee etc.
The method of payment of sending payment information on Simulation of Dual-channel of the present invention, is characterized in that, comprises the steps:
Payment card information obtaining step, ATM obtains the payment card information of user's Payment Card;
In payment card information, send step, ATM will be delivered to background server on the payment card information of obtaining and ATM unique identifying number;
ATM unique identifying number and payment cipher obtaining step, the ATM unique identifying number of acquisition for mobile terminal ATM, and acquisition for mobile terminal user's payment cipher
On payment cipher, send step, mobile terminal will be delivered to background server on the ATM unique identifying number obtaining and payment cipher;
Coupling verification step, background server mates according to ATM unique identifying number the payment card information of sending from ATM and ATM unique identifying number and the payment cipher sending from mobile terminal and ATM unique identifying number, and validation of payment card information and payment cipher, by mate and verify after authorized user to ATM carry out operation.
Preferably, in described payment card information obtaining step, by swiping the card at ATM or non-ly connecing mode or magnetic field induction mode is obtained described payment card information.
Preferably, in described ATM unique identifying number and payment cipher obtaining step, mobile terminal is by label, the NFC of scan A TM machine, the acquisition ATM unique identifying number of taking pictures, in described ATM unique identifying number and payment cipher obtaining step, mobile terminal by payment cipher and ATM unique identifying number by delivering to background server on wireless network.
The payment system of sending payment information on Simulation of Dual-channel of the present invention, is characterized in that, comprising:
ATM, for obtaining the payment card information of Payment Card and for delivering to following background server on the payment card information of obtaining and ATM unique identifying number;
Mobile terminal, for obtaining ATM unique identifying number from described ATM, and for obtaining user's payment cipher, sends to following background server by the ATM unique identifying number obtaining and payment cipher;
Background server, for the ATM unique identifying number sending from ATM and payment card information and the ATM unique identifying number and the payment cipher that send from mobile terminal are mated, and validation of payment card information and payment cipher in the situation that completing coupling are authorized the operation to ATM to user in the situation that being proved to be successful.
Preferably, described mobile terminal reads ATM label by scan A TM label or NFC or ATM label is taken and obtained ATM unique identifying number, described mobile terminal by ATM unique identifying number and payment cipher by delivering to described background server on wireless network.
Utilize the present invention, in the situation that carrying out various transaction by ATM, by utilizing method of payment and the payment system of sending payment information on Simulation of Dual-channel of the present invention, payment card information sends to background server by ATM, payment cipher sends to background server by the APP application of mobile terminal, uploads by such two channels, and lawless person is just difficult to steal payment card information and payment cipher simultaneously, therefore, can guarantee payment reliably card use security. Such as, and on the other hand, because now free WIFI is universal, the APP application of mobile terminal can upload to background server by payment cipher and ATM unique identification by free WIFI, therefore, can not produce extra-pay to user, short-message fee etc.
Brief description of the drawings
Fig. 1 is the business model figure that represents to send on the Simulation of Dual-channel that utilizes POS to pay of first embodiment of the invention the payment system of payment information.
Fig. 2 is the flow chart that send the method for payment of payment information on the Simulation of Dual-channel that utilizes POS to pay of first embodiment of the invention.
Fig. 3 represents to send the business model figure of the payment system of payment information on the Simulation of Dual-channel of realizing based on ATM of second embodiment of the invention.
Fig. 4 send the flow chart of the method for payment of payment information on the Simulation of Dual-channel of realizing based on ATM of second embodiment of the invention.
Detailed description of the invention
What introduce below is some in multiple embodiment of the present invention, aims to provide basic understanding of the present invention. Be not intended to confirm key of the present invention or conclusive key element or limit claimed scope.
On Simulation of Dual-channel of the present invention, sending method of payment and the payment system of payment information is on background server, to send payment card information and trading order form information (or unique identifying number of ATM) by POS or ATM, then user's mobile terminal gets after sequence information by for example NFC of near-field communication mode or bluetooth, applied on background server and sent payment cipher and the sequence information (or unique identifying number of ATM) of obtaining by APP, background server checking card number and password can complete delivery operation. As an example of POS transaction and ATM example, concrete business model is described respectively below.
The first embodiment
The first embodiment of the present invention is method of payment and the payment system of sending payment information on the Simulation of Dual-channel that represents to utilize POS to pay under line.
Fig. 1 is the business model figure that represents to send on the Simulation of Dual-channel that utilizes POS to pay of first embodiment of the invention the payment system of payment information.
As shown in Figure 1, on the Simulation of Dual-channel that utilizes POS to pay of first embodiment of the invention, send the payment system of payment information to comprise: in fact POS terminal 100, mobile terminal 200(refer to the APP application being arranged in this mobile terminal, therefore also have in the accompanying drawings the APP of title application 200), background server 300, credit card issuer 400.
As shown in Figure 1, cashier's items scanning, generation order are transferred to POS terminal 100, in POS terminal 100, generate the amount of money that needs user-pay, cashier given by card by user, cashier brushes user's Payment Card (comprising bank card, various payment cards etc.) in POS terminal 100, POS terminal 100 obtains user's payment card information. Then, POS terminal 100 will be delivered to background server 300 in payment card information and sequence information. On the other hand, POS terminal 100 is sent to mobile terminal 200(by modes such as near-field communications by sequence information and is sent to the mobile application APP installing in mobile terminal 200). Mobile terminal 200 is being received after sequence information, requires user to input payment cipher in mobile application APP, and after this, mobile terminal 200 will be delivered to background server 300 in payment cipher and sequence information. Sequence information and the payment cipher of background server 300 for mating the sequence information of sending from POS terminal 100 and card information and sending from mobile terminal 200 is transmitted to credit card issuer system request credit card issuer 400 by sequence information and payment cipher and asks authority to pay in the situation that completing coupling.
On the Simulation of Dual-channel that utilizes POS to pay of first embodiment of the invention, send the concrete function of the included POS terminal 100 of the payment system of payment information, mobile terminal 200, background server 300, credit card issuer 400 as follows:
POS terminal 100 is for obtaining the payment card information of sequence information and Payment Card and for delivering to following background server 400 in the payment card information of obtaining and sequence information, POS terminal 100 is for sending to following mobile terminal 200 by the sequence information of obtaining on the other hand. Mobile terminal 200 is for obtaining user's payment cipher and for obtaining sequence information from described POS terminal, the payment cipher obtaining and sequence information being sent to following background server 400. Background server 300 is for the pay invoice of sending from POS terminal 100 and payment card information are mated with the pay invoice and the payment cipher that send from mobile terminal 200, and in the situation that completing coupling, payment card information and payment cipher sent to credit card issuer 400 to submit authority to pay to. Credit card issuer 400 is for obtaining payment card information, payment cipher to complete authority to pay from background server 300.
Fig. 2 is the flow chart that send the method for payment of payment information on the Simulation of Dual-channel that utilizes POS to pay of first embodiment of the invention.
On Fig. 2 of the Simulation of Dual-channel that utilizes POS to pay below with reference to to(for) first embodiment of the invention, send the method for payment of payment information to be specifically described.
As shown in Figure 2, step 1.: cashier's items scanning generate generation sequence information, sequence information is sent to POS terminal 100, POS terminal 100 is received sequence information.
Step is 2.: user gives cashier Payment Card (comprising bank card, Payment Card etc.) or operated at POS terminal 100 Card Readers by he or she, for example, swipes the card, non-connecing or magnetic field induction, obtains payment card information by this operation POS terminal 100.
Step is 3.: POS terminal 100 will be delivered to background server 300 in the payment card information of obtaining and sequence information.
Step is 4.: POS terminal 100 sends to sequence information the APP application of mobile terminal 200 by near-field communication mode. Here include but not limited to bluetooth, NFC as near-field communication mode.
Step is 5.: user inputs payment cipher in the APP of mobile terminal 200 application.
Step is 6.: sequence information and payment cipher are sent to background server 300 by the APP employing wireless network (such as WIFI etc.) of mobile terminal 200.
Step is 7.: background server 300 mates with the pay invoice and the payment cipher that send from mobile terminal 200 pay invoice of sending from POS terminal 100 and payment card information, and background server 300 can mate according to the order number of pay invoice. In the situation that completing coupling, background server 300 sends to credit card issuer 400 to submit authority to pay to by payment card information and payment cipher.
In the present embodiment, carry out under payout status utilizing POS terminal, by utilizing method of payment and the payment system of sending payment information on Simulation of Dual-channel of the present invention, payment card information sends to background server 300 by POS terminal 100, payment cipher sends to background server 300 by the APP application of mobile terminal 200, upload by such two channels, lawless person is just difficult to steal payment card information and payment cipher simultaneously, therefore, can guarantee payment reliably card use security.
Such as, and on the other hand, because now free WIFI is universal, the APP application of mobile terminal can upload to background server by payment card information and payment cipher by free WIFI, therefore, can not produce extra-pay to user, short-message fee etc.
The second embodiment
The second embodiment of the present invention is method of payment and the payment system of sending payment information on the Simulation of Dual-channel that represents to realize based on ATM under line.
Fig. 3 represents to send the business model figure of the payment system of payment information on the Simulation of Dual-channel of realizing based on ATM of second embodiment of the invention.
As shown in Figure 3, on the Simulation of Dual-channel of realizing based on ATM of second embodiment of the invention, send the payment system of payment information to comprise: in fact ATM 500, mobile terminal 600(refer to the APP application being arranged in this mobile terminal, therefore also have in the accompanying drawings the APP of title application 600), background server 700. As shown in Figure 3, consumer is in the time that ATM 500 operates, and by the operation of card is offered to ATM 500 by payment card information, ATM 500 will be delivered to background server 700 on payment card information and ATM unique identifying number. On the other hand, consumer obtains the ATM unique identifying number of ATM 500, and consumer applies the unique identifying number of ATM 500 and payment cipher on 600, to deliver to background server 700 by APP. Background server 700 mates with the ATM unique identifying number and the payment cipher that send from mobile terminal 600 the ATM unique identifying number sending from ATM 500 and payment card information, and validation of payment card information and payment cipher, the operation of authorized user to ATM by checking in the situation that.
On the Simulation of Dual-channel of realizing based on ATM of second embodiment of the invention, send the concrete function of the included ATM 500 of the payment system of payment information, mobile terminal 600, background server 700 as follows:
ATM 500 is for obtaining the payment card information of Payment Card and for delivering to following background server on the payment card information of obtaining and ATM unique identifying number. Mobile terminal 600 is for obtaining ATM unique identifying number from described ATM 500, and for obtaining user's payment cipher, the ATM unique identifying number obtaining and payment cipher sent to following background server 700. Background server 700 mates for the ATM unique identifying number to sending from ATM 500 and payment card information and the ATM unique identifying number and the payment cipher that send from mobile terminal 600, and validation of payment card information and payment cipher in the situation that completing coupling are authorized the operation to ATM to user in the situation that being proved to be successful.
Fig. 4 send the flow chart of the method for payment of payment information on the Simulation of Dual-channel of realizing based on ATM of second embodiment of the invention.
As shown in Figure 4, step 1.: ATM 500 obtains payment card information by any mode, for example, by swiping the card, non-connecing or magnetic field induction.
Step is 2.: ATM 500 will be delivered to background server 700 on the payment card information of obtaining and ATM unique identification information.
Step is 3.: consumer utilizes label, the NFC of mobile terminal 600 by such as scan A TM machine of variety of way, take pictures etc. obtains the ATM unique identification information of ATM 500.
Step is 4.: payment cipher is offered mobile terminal 600 by consumer.
Step is 5.: ATM 500 will be delivered to background server 700 on ATM unique identification information and payment cipher.
Step is 6.: background server 700 mates (mating according to ATM unique identifying number) to the payment card information of sending from ATM 500 and ATM unique identifying number with the ATM unique identifying number and the payment cipher that send from mobile terminal 600, and payment card information and payment cipher are verified.
Step is 7.: be verified rear mandate consumer and initiate other instructions by ATM.
In the present embodiment, in order further to ensure security, user can, by take out the form interrupt operation of card from ATM 500, connect or other scenes for non-, can be by non-ly connecing interrupt operation at this.
On the other hand, as preferred mode, in order further to ensure the security of user with card, (for example can also be set in the present embodiment in background server 700 is verified the stipulated time after mandate, 10s, 20s, 30s etc.) if user does not initiate operational order, interrupt this operation.
In the present embodiment, in the situation that carrying out various transaction by ATM, by utilizing method of payment and the payment system of sending payment information on Simulation of Dual-channel of the present invention, payment card information sends to background server 700 by ATM 500, payment cipher sends to background server 700 by the APP application of mobile terminal 600, upload by such two channels, lawless person is just difficult to steal payment card information and payment cipher simultaneously, therefore, can guarantee payment reliably card use security.
Such as, and on the other hand, because now free WIFI is universal, the APP application of mobile terminal can upload to background server by payment cipher and ATM unique identification by free WIFI, therefore, can not produce extra-pay to user, short-message fee etc.
Above example has mainly illustrated payment system and the method for payment of on Simulation of Dual-channel of the present invention, sending payment information. Although only some of them the specific embodiment of the present invention is described, those of ordinary skill in the art should understand, and the present invention can implement not departing from its purport and scope with many other forms. Therefore, the example of showing and embodiment are regarded as illustrative and not restrictive, and in the situation that not departing from spirit of the present invention as defined in appended each claim and scope, the present invention may be contained various amendments and replacement.
Claims (13)
1. a method of payment of sending payment information on Simulation of Dual-channel, is characterized in that, comprises the steps:
Sequence information generates step, and cashier's items scanning generates sequence information and sequence information is sent to POS terminal;
Payment card information obtaining step, POS terminal is obtained the payment card information of user's Payment Card;
In payment card information, send step, POS terminal will be delivered to background server in the payment card information of obtaining and sequence information;
Sequence information transfer step, sequence information is sent to mobile terminal by POS terminal;
Payment cipher obtaining step, acquisition for mobile terminal user's payment cipher also will be delivered to background server in payment cipher and sequence information;
Pay invoice coupling step, background server carries out matching operation to the pay invoice of sending from POS terminal and payment card information and the pay invoice of sending from mobile terminal and payment cipher, and in the situation that completing coupling, payment card information and payment cipher is sent to credit card issuer to submit authority to pay to.
2. the method for payment of sending payment information on Simulation of Dual-channel as claimed in claim 1, is characterized in that,
In described payment card information obtaining step, by swiping the card in POS terminal or non-ly connecing mode or magnetic field induction mode is obtained described payment card information.
3. the method for payment of sending payment information on Simulation of Dual-channel as claimed in claim 1, is characterized in that,
In described sequence information transfer step, POS terminal sends to mobile terminal by near-field communication mode by sequence information, in described payment cipher obtaining step, mobile terminal by payment cipher and sequence information by delivering to background server on wireless network.
4. the method for payment of sending payment information on Simulation of Dual-channel as claimed in claim 1, is characterized in that,
Described near-field communication mode comprises bluetooth, NFC.
5. a payment system of sending payment information on Simulation of Dual-channel, is characterized in that, comprising:
POS terminal, for obtaining the payment card information of sequence information and Payment Card and for delivering to following background server in the payment card information of obtaining and sequence information, on the other hand for the sequence information of obtaining is sent to following mobile terminal;
Mobile terminal, for obtaining user's payment cipher and for obtaining sequence information from described POS terminal, the payment cipher obtaining and sequence information being sent to following background server;
Background server, for the pay invoice of sending from POS terminal and payment card information and the pay invoice of sending from mobile terminal and payment cipher are carried out to matching operation, and in the situation that completing coupling, payment card information and payment cipher are sent to credit card issuer to submit authority to pay to; And
Credit card issuer, for obtaining payment card information, payment cipher to complete authority to pay from background server.
6.. the payment system of sending payment information on Simulation of Dual-channel as claimed in claim 5, is characterized in that,
Described POS terminal sends to mobile terminal by near-field communication mode by sequence information, described mobile terminal by payment cipher and sequence information by delivering to described background server on wireless network.
7. the payment system of sending payment information on Simulation of Dual-channel as claimed in claim 6, is characterized in that,
Described near-field communication mode comprises bluetooth, NFC.
8. a method of payment of sending payment information on Simulation of Dual-channel, is characterized in that, comprises the steps:
Payment card information obtaining step, ATM obtains the payment card information of user's Payment Card;
In payment card information, send step, ATM will be delivered to background server on the payment card information of obtaining and ATM unique identifying number;
ATM unique identifying number and payment cipher obtaining step, the ATM unique identifying number of acquisition for mobile terminal ATM, and acquisition for mobile terminal user's payment cipher;
On payment cipher, send step, mobile terminal will be delivered to background server on the ATM unique identifying number obtaining and payment cipher;
Coupling verification step, background server carries out matching operation to the payment card information of sending from ATM and ATM unique identifying number and the payment cipher sending from mobile terminal and ATM unique identifying number according to ATM unique identifying number, and validation of payment card information and payment cipher, by mate and verify after authorized user to ATM carry out operation.
9. the method for payment of sending payment information on Simulation of Dual-channel as claimed in claim 8, is characterized in that,
In described payment card information obtaining step, by swiping the card at ATM or non-ly connecing mode or magnetic field induction mode is obtained described payment card information.
10. the method for payment of sending payment information on Simulation of Dual-channel as claimed in claim 8, is characterized in that,
In described coupling verification step, background server carries out matching operation according to ATM unique identifying number.
The method of payment of sending payment information on 11. Simulation of Dual-channels as claimed in claim 8, is characterized in that,
In described payment card information obtaining step, by swiping the card at ATM or non-ly connecing mode or magnetic field induction mode is obtained described payment card information.
The payment system of sending payment information on 12. 1 kinds of Simulation of Dual-channels, is characterized in that, comprising:
ATM, for obtaining the payment card information of Payment Card and for delivering to following background server on the payment card information of obtaining and ATM unique identifying number;
Mobile terminal, for obtaining ATM unique identifying number from described ATM, and for obtaining user's payment cipher, sends to following background server by the ATM unique identifying number obtaining and payment cipher;
Background server, for the ATM unique identifying number sending from ATM and payment card information and the ATM unique identifying number and the payment cipher that send from mobile terminal are mated, and validation of payment card information and payment cipher in the situation that completing coupling are authorized the operation to ATM to user in the situation that being proved to be successful.
The payment system of sending payment information on 13. Simulation of Dual-channels as claimed in claim 12, is characterized in that,
Described mobile terminal reads ATM label by scan A TM label or NFC or ATM label is taken and obtained ATM unique identifying number, described mobile terminal by ATM unique identifying number and payment cipher by delivering to described background server on wireless network.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410605331.8A CN105590193A (en) | 2014-11-03 | 2014-11-03 | Dual-channel payment information uploading payment method and payment system |
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| CN201410605331.8A CN105590193A (en) | 2014-11-03 | 2014-11-03 | Dual-channel payment information uploading payment method and payment system |
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| CN106384235A (en) * | 2016-08-30 | 2017-02-08 | 上海创功通讯技术有限公司 | Payment method and system and mobile terminal |
| CN107025542A (en) * | 2016-10-27 | 2017-08-08 | 阿里巴巴集团控股有限公司 | The method and apparatus that the integration capability of mix is provided |
| CN111091346A (en) * | 2019-11-20 | 2020-05-01 | 四川商通实业有限公司 | Employee welfare general consumption payment method and system |
| CN113837744A (en) * | 2020-06-24 | 2021-12-24 | 中国银联股份有限公司 | Transaction data processing method, transaction data processing system and terminal |
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| CN106384235A (en) * | 2016-08-30 | 2017-02-08 | 上海创功通讯技术有限公司 | Payment method and system and mobile terminal |
| CN107025542A (en) * | 2016-10-27 | 2017-08-08 | 阿里巴巴集团控股有限公司 | The method and apparatus that the integration capability of mix is provided |
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