CN111178872A - Mobile banking payment method and device without mobile phone verification code - Google Patents
Mobile banking payment method and device without mobile phone verification code Download PDFInfo
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- CN111178872A CN111178872A CN201911422186.9A CN201911422186A CN111178872A CN 111178872 A CN111178872 A CN 111178872A CN 201911422186 A CN201911422186 A CN 201911422186A CN 111178872 A CN111178872 A CN 111178872A
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- 238000012795 verification Methods 0.000 title claims abstract description 125
- 238000000034 method Methods 0.000 title claims abstract description 44
- 238000012790 confirmation Methods 0.000 claims description 6
- 230000008569 process Effects 0.000 description 6
- 230000002159 abnormal effect Effects 0.000 description 5
- 239000000126 substance Substances 0.000 description 5
- 230000009471 action Effects 0.000 description 3
- 238000010586 diagram Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 1
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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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
- H04W12/068—Authentication using credential vaults, e.g. password manager applications or one time password [OTP] applications
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/60—Context-dependent security
- H04W12/69—Identity-dependent
- H04W12/72—Subscriber identity
Abstract
The invention discloses a payment method of a mobile phone bank without a mobile phone verification code, which opens a mobile phone bank verification code payment service in advance and reserves a mobile phone number in the mobile phone bank verification code payment service, and comprises the following steps: under the condition of payment based on a mobile phone bank, acquiring the amount to be paid; if the amount to be paid is smaller than a preset amount threshold value, acquiring the current mobile phone number of the mobile phone where the mobile phone bank is located; when the current mobile phone number is consistent with the reserved mobile phone number, verifying whether the current mobile phone number is in a normal use state; and if so, paying the amount to be paid. In the payment method, when the reserved mobile phone number is consistent with the current mobile phone number and the current mobile phone number is in a normal use state, the payment is carried out on the amount to be paid, and the payment is carried out in a verification mode without verification of a verification code, so that the time is saved.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a mobile banking payment method and device without a mobile verification code.
Background
At present, when the mobile phone bank transfers the small amount of money, the mobile phone bank sends a verification code to a mobile phone number reserved by a user, and the user can complete payment when inputting the verification code into the mobile phone bank.
Although the above payment method is safe, if the mobile phone bank and the phone card to which the reserved mobile phone number for receiving the verification code belongs are on one mobile phone, the verification code is not necessarily filled, and time is wasted.
Disclosure of Invention
In view of the above, the present invention provides a payment method and device for a mobile phone bank without a mobile phone verification code, so as to realize payment for the mobile phone bank without the mobile phone verification code if the mobile phone bank and a phone card to which a reserved mobile phone number for receiving the verification code belongs are plugged in a mobile phone. The specific scheme is as follows:
a payment method of a mobile phone bank without a mobile phone verification code, which opens a mobile phone bank verification code payment service in advance and reserves a mobile phone number in the mobile phone bank verification code payment service, comprises the following steps:
under the condition of payment based on a mobile phone bank, acquiring the amount to be paid;
if the amount to be paid is smaller than a preset amount threshold value, acquiring the current mobile phone number of the mobile phone where the mobile phone bank is located;
when the current mobile phone number is consistent with the reserved mobile phone number, verifying whether the current mobile phone number is in a normal use state;
and if so, paying the amount to be paid.
The above method, optionally, further includes:
when the current mobile phone number is inconsistent with the reserved mobile phone number, prompting a user whether to send a verification code;
and if so, sending the verification code to the reserved mobile phone number.
Optionally, the method for acquiring the current mobile phone number of the mobile phone where the mobile phone bank is located includes:
traversing each data port, and determining a target data port;
and acquiring the current mobile phone number in the target data port.
Optionally, the method for verifying whether the current mobile phone number is in a normal use state includes:
sending the mobile phone number to a preset verification port;
and receiving a verification identifier fed back by the preset verification port, and verifying whether the current mobile phone number is in a normal use state according to the verification identifier.
The above method, optionally, paying the amount to be paid, includes:
prompting the user whether to determine payment;
and when a payment confirmation instruction sent by the user is received, paying the amount to be paid.
A payment device of a mobile phone bank without a mobile phone verification code, which opens a mobile phone bank verification code payment service in advance and reserves a mobile phone number in the mobile phone bank verification code payment service, comprises:
the payment to be paid obtaining module is used for obtaining the payment to be paid under the condition of payment based on a mobile phone bank;
the mobile phone number acquisition module is used for acquiring the current mobile phone number of the mobile phone where the mobile phone bank is located if the amount to be paid is smaller than a preset amount threshold value;
the verification module is used for verifying whether the current mobile phone number is in a normal use state or not when the current mobile phone number is consistent with the reserved mobile phone number;
and the payment module is used for paying the amount to be paid if the payment module is used for paying the amount to be paid.
The above apparatus, optionally, further comprises:
the prompting module is used for prompting the user whether to send the verification code or not when the current mobile phone number is inconsistent with the reserved mobile phone number;
and the sending module is used for sending the verification code to the reserved mobile phone number if the verification code is valid.
The above apparatus, optionally, the mobile phone number obtaining module includes:
the determining unit is used for traversing each data port and determining a target data port;
and the current mobile phone number acquisition unit is used for acquiring the current mobile phone number in the target data port.
The above apparatus, optionally, the verification module includes:
the sending unit is used for sending the mobile phone number to a preset verification port;
and the verification unit is used for receiving a verification identifier fed back by the preset verification port and verifying whether the current mobile phone number is in a normal use state or not according to the verification identifier.
The above apparatus, optionally, the payment module includes:
a prompting unit for prompting the user whether to determine payment;
and the payment unit is used for paying the amount to be paid when receiving a payment confirmation instruction sent by the user.
Compared with the prior art, the invention has the following advantages:
the invention discloses a payment method of a mobile phone bank without a mobile phone verification code, which opens a mobile phone bank verification code payment service in advance and reserves a mobile phone number in the mobile phone bank verification code payment service, and comprises the following steps: under the condition of payment based on a mobile phone bank, acquiring the amount to be paid; if the amount to be paid is smaller than a preset amount threshold value, acquiring the current mobile phone number of the mobile phone where the mobile phone bank is located; when the current mobile phone number is consistent with the reserved mobile phone number, verifying whether the current mobile phone number is in a normal use state; and if so, paying the amount to be paid. In the payment method, when the reserved mobile phone number is consistent with the current mobile phone number and the current mobile phone number is in a normal use state, the payment is carried out on the amount to be paid, and the payment is carried out in a verification mode without verification of a verification code, so that the time is saved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a flowchart of a payment method of a mobile banking without a mobile verification code disclosed in an embodiment of the present application;
fig. 2 is another flowchart of a payment method of a mobile banking without a mobile verification code disclosed in the embodiment of the present application;
fig. 3 is a block diagram of a payment device of a mobile banking that is free of a mobile verification code according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
The invention discloses a payment method and a device of a mobile phone bank without a mobile phone verification code, which are applied to the process of carrying out micropayment based on the mobile phone bank.
Therefore, the invention provides a payment method of a mobile phone bank without a mobile phone verification code, which is used for solving the problem that a mobile phone bank and a telephone card which receives a reserved mobile phone number of the verification code belong to can also send the verification code to verify the payment process, aiming at the method, a mobile phone bank verification code payment service needs to be opened in advance and the mobile phone number is reserved in the payment service, wherein the reserved mobile phone number only aims at the mobile phone bank verification code payment service, other mobile phone numbers can be used as the reserved mobile phone numbers of other payment services aiming at other forms of payment services, the mobile phone bank verification code payment service also needs to be authorized, the mobile phone bank verification code payment service is allowed to obtain the current mobile phone number of the mobile phone to which the mobile phone bank verification code payment service belongs, the execution flow of the payment method is shown in figure 1, the method comprises the following steps:
s101, under the condition of payment based on a mobile phone bank, obtaining the amount of money to be paid;
in the embodiment of the invention, when the user is detected to pay based on the mobile phone bank, the payment amount is obtained at the preset identification or the appointed position.
S102, if the amount to be paid is smaller than a preset amount threshold value, acquiring the current mobile phone number of the mobile phone where the mobile phone bank is located;
in the embodiment of the invention, in order to ensure the payment safety, the verification-free code payment is carried out only when the payment amount is less than or equal to the preset amount threshold, therefore, whether the amount to be paid is less than the preset amount threshold is judged in advance, if the amount to be paid is less than the preset amount threshold, a request for obtaining the current mobile phone number of the mobile phone bank is sent, the request identifier in the request is obtained, each data port connected with the mobile phone bank is traversed, the target data port which is the same as the request identifier is searched in each data port according to the request identifier, wherein the target data port is connected with the mobile phone card of the mobile phone bank to obtain the current mobile phone number and is transmitted to the mobile phone bank through the target data port, and the preset amount threshold can be set according to experience or specific conditions, in the embodiment of the present invention, the specific value of the preset amount threshold is not limited.
Further, if the payment amount is larger than the preset amount threshold value, prompting the user whether to send a verification code to the reserved mobile phone number, and if so, sending the verification code to the reserved mobile phone number, otherwise, not sending the verification code to the reserved mobile phone number.
S103, when the current mobile phone number is consistent with the reserved mobile phone number, verifying whether the current mobile phone number is in a normal use state;
in the embodiment of the invention, the current mobile phone number is compared with the reserved mobile phone number, whether the current mobile phone number is consistent with the reserved mobile phone number or not is judged, and when the current mobile phone number is consistent with the reserved mobile phone number, the state information of the current mobile phone number is acquired at the operator to which the current mobile phone number belongs, and whether the current mobile phone number is in a normal use state or not is judged.
And S104, paying the amount to be paid.
In the embodiment of the present invention, if the current mobile phone number is in a normal use state, the verification is passed, and the user is prompted whether to determine payment, if the user clicks to determine payment, the mobile banking bank will pay the payment amount when receiving a payment confirmation instruction sent by the user, without providing a verification code, if the current mobile phone number is in an abnormal use state, for example: the abnormal use state can be arrearage shutdown or mobile phone failure, and the like, and because the current mobile phone number is in the abnormal use state, the mobile phone-free verification code payment cannot be carried out. And prompting the user that the current mobile phone number is in an abnormal use state, whether to continue to send the verification code to the current mobile phone number or not, and sending the verification code to the current mobile phone number when the user selects yes, otherwise, not sending the verification code to the current mobile phone number.
The invention discloses a payment method of a mobile phone bank without a mobile phone verification code, which opens a mobile phone bank verification code payment service in advance and reserves a mobile phone number in the mobile phone bank verification code payment service, and comprises the following steps: under the condition of payment based on a mobile phone bank, acquiring the amount to be paid; if the amount to be paid is smaller than a preset amount threshold value, acquiring the current mobile phone number of the mobile phone where the mobile phone bank is located; when the current mobile phone number is consistent with the reserved mobile phone number, verifying whether the current mobile phone number is in a normal use state; and if so, paying the amount to be paid. In the payment method, when the reserved mobile phone number is consistent with the current mobile phone number and the current mobile phone number is in a normal use state, the payment is carried out on the amount to be paid, and the payment is carried out in a verification mode without verification of a verification code, so that the time is saved.
In the embodiment of the present invention, an execution flow for verifying whether the current mobile phone number is in a normal use state is shown in fig. 2, and includes the steps of:
s201, sending the mobile phone number to a preset verification port;
in the embodiment of the present invention, the mobile phone bank establishes an association with a network operator in advance, each operator allocates a preset verification port, and the operator can feed back the use state of the current mobile phone number through the corresponding preset verification port.
S202, receiving a verification identifier fed back by the preset verification port, and verifying whether the current mobile phone number is in a normal use state according to the verification identifier.
In the embodiment of the present invention, a verification identifier fed back by the preset verification port is received, and whether the current mobile phone number is in a normal use state is verified according to the verification identifier, for example, when the verification identifier is preset to be 1, the current mobile phone number is in a normal use state, when the verification identifier is 0, the current mobile phone number is in an abnormal use state, and when the received verification identifier is 1, it is determined that the current mobile phone number is in a normal use state.
Based on the payment method, when a user transacts mobile banking business, if the authorized mobile bank is selected to obtain the current mobile phone number, the mobile bank can inquire whether the mobile phone card is the telephone card used by the current mobile bank or not and whether the mobile phone card is still used or not in the transaction process, if the mobile phone card and the mobile bank are on the same mobile phone and are normally used, the system directly transacts without an authentication code, so that the time and steps of the user are saved, and the user experience is improved.
Based on the above-mentioned mobile phone bank payment method without mobile phone verification code, the embodiment of the present invention further provides a mobile phone bank payment device without mobile phone verification code, a mobile phone bank verification code payment service is opened in advance, and a mobile phone number is reserved in the mobile phone bank verification code payment service, a structural block diagram of the payment device is shown in fig. 3, and the payment device includes:
the payment system comprises a to-be-paid amount acquisition module 301, a mobile phone number acquisition module 302, a verification module 303 and a payment module 304.
Wherein the content of the first and second substances,
the to-be-paid amount obtaining module 301 is configured to obtain an amount to be paid in a case of performing payment based on a mobile banking;
the mobile phone number obtaining module 302 is configured to obtain a current mobile phone number of a mobile phone where the mobile phone bank is located if the amount to be paid is smaller than a preset amount threshold;
the verification module 303 is configured to verify whether the current mobile phone number is in a normal use state when the current mobile phone number is consistent with the reserved mobile phone number;
and the payment module is used for paying the amount to be paid if the payment module is 304.
The invention discloses a mobile phone bank payment device without mobile phone verification code, which opens mobile phone bank verification code payment service in advance and reserves mobile phone number in the mobile phone bank verification code payment service, comprising: under the condition of payment based on a mobile phone bank, acquiring the amount to be paid; if the amount to be paid is smaller than a preset amount threshold value, acquiring the current mobile phone number of the mobile phone where the mobile phone bank is located; when the current mobile phone number is consistent with the reserved mobile phone number, verifying whether the current mobile phone number is in a normal use state; and if so, paying the amount to be paid. In the payment device, when the reserved mobile phone number is consistent with the current mobile phone number and the current mobile phone number is in a normal use state, the payment is carried out on the amount to be paid, and the payment is carried out in a verification mode without verification of a verification code, so that the time is saved.
In an embodiment of the present invention, the payment apparatus further includes: a prompt module 305 and a send module 306.
Wherein the content of the first and second substances,
the prompting module 305 is configured to prompt a user whether to send a verification code when the current mobile phone number is inconsistent with the reserved mobile phone number;
the sending module 306 is configured to send the verification code to the reserved mobile phone number if the verification code is valid.
In this embodiment of the present invention, the mobile phone number obtaining module 302 includes:
a determination unit 307 and a current cell phone number acquisition unit 308.
Wherein the content of the first and second substances,
the determining unit 307 is configured to traverse each data port and determine a target data port;
the current mobile phone number obtaining unit 308 is configured to obtain the current mobile phone number in the target data port.
In this embodiment of the present invention, the verification module 303 includes:
a sending unit 309 and a verification unit 310.
Wherein the content of the first and second substances,
the sending unit 309 is configured to send the mobile phone number to a preset verification port;
the verification unit 310 is configured to receive a verification identifier fed back by the preset verification port, and verify whether the current mobile phone number is in a normal use state according to the verification identifier.
In an embodiment of the present invention, the payment module 304 includes:
a reminder unit 311 and a payment unit 312.
Wherein the content of the first and second substances,
the prompting unit 311 is used for prompting the user whether to determine payment;
the payment unit 312 is configured to pay the amount to be paid when receiving a payment confirmation instruction sent by the user.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in a plurality of software and/or hardware when implementing the invention.
From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
The payment method and the payment device of the mobile banking without the mobile phone verification code are introduced in detail, a specific example is applied in the text to explain the principle and the implementation mode of the invention, and the description of the embodiment is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. A payment method of a mobile phone bank without a mobile phone verification code is characterized in that a mobile phone bank verification code payment service is opened in advance and a mobile phone number is reserved in the mobile phone bank verification code payment service, and comprises the following steps:
under the condition of payment based on a mobile phone bank, acquiring the amount to be paid;
if the amount to be paid is smaller than a preset amount threshold value, acquiring the current mobile phone number of the mobile phone where the mobile phone bank is located;
when the current mobile phone number is consistent with the reserved mobile phone number, verifying whether the current mobile phone number is in a normal use state;
and if so, paying the amount to be paid.
2. The method of claim 1, further comprising:
when the current mobile phone number is inconsistent with the reserved mobile phone number, prompting a user whether to send a verification code;
and if so, sending the verification code to the reserved mobile phone number.
3. The method of claim 1, wherein obtaining the current phone number of the mobile phone where the mobile phone bank is located comprises:
traversing each data port, and determining a target data port;
and acquiring the current mobile phone number in the target data port.
4. The method of claim 1, wherein verifying whether the current phone number is in a normal use state comprises:
sending the mobile phone number to a preset verification port;
and receiving a verification identifier fed back by the preset verification port, and verifying whether the current mobile phone number is in a normal use state according to the verification identifier.
5. The method of claim 1, wherein paying for the amount to be paid comprises:
prompting the user whether to determine payment;
and when a payment confirmation instruction sent by the user is received, paying the amount to be paid.
6. The utility model provides a payment device of cell-phone bank of exempting from cell-phone identifying code which characterized in that opens cell-phone bank identifying code payment service in advance and reserves the cell-phone number in cell-phone bank identifying code payment service, includes:
the payment to be paid obtaining module is used for obtaining the payment to be paid under the condition of payment based on a mobile phone bank;
the mobile phone number acquisition module is used for acquiring the current mobile phone number of the mobile phone where the mobile phone bank is located if the amount to be paid is smaller than a preset amount threshold value;
the verification module is used for verifying whether the current mobile phone number is in a normal use state or not when the current mobile phone number is consistent with the reserved mobile phone number;
and the payment module is used for paying the amount to be paid if the payment module is used for paying the amount to be paid.
7. The apparatus of claim 6, further comprising:
the prompting module is used for prompting the user whether to send the verification code or not when the current mobile phone number is inconsistent with the reserved mobile phone number;
and the sending module is used for sending the verification code to the reserved mobile phone number if the verification code is valid.
8. The apparatus of claim 6, wherein the mobile phone number obtaining module comprises:
the determining unit is used for traversing each data port and determining a target data port;
and the current mobile phone number acquisition unit is used for acquiring the current mobile phone number in the target data port.
9. The apparatus of claim 6, wherein the verification module comprises:
the sending unit is used for sending the mobile phone number to a preset verification port;
and the verification unit is used for receiving a verification identifier fed back by the preset verification port and verifying whether the current mobile phone number is in a normal use state or not according to the verification identifier.
10. The apparatus of claim 6, wherein the payment module comprises:
a prompting unit for prompting the user whether to determine payment;
and the payment unit is used for paying the amount to be paid when receiving a payment confirmation instruction sent by the user.
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| CN201911422186.9A CN111178872A (en) | 2019-12-31 | 2019-12-31 | Mobile banking payment method and device without mobile phone verification code |
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| CN113723946A (en) * | 2021-09-15 | 2021-11-30 | 中国银行股份有限公司 | Transfer method, device and system for mobile phone bank |
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