CN103679445A - Online payment method and system thereof - Google Patents
Online payment method and system thereof Download PDFInfo
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- CN103679445A CN103679445A CN201310733047.4A CN201310733047A CN103679445A CN 103679445 A CN103679445 A CN 103679445A CN 201310733047 A CN201310733047 A CN 201310733047A CN 103679445 A CN103679445 A CN 103679445A
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
Abstract
The invention discloses an online payment method. The online payment method is characterized by comprising steps of: (1) being associated with a plurality of online payments accounts of businesses; (2) allowing the businesses to select a method of payment and enter an amount according to an online payment system selected by users; (3) generating a two-dimension code; (4) allowing the users to scan the two-dimension code and pay by an online payment software on a mobile phone and enabling the online payment system to feed back results of completed payments to a terminal system when the users enter a password and complete the payments; (5) printing out the running information of the results of the completed payments, wherein a payment request comprises a payment amount, a product name and a payment account. The invention further discloses an online payment system. The online payment method and the system thereof has the advantages of being available to card-not-present payments, safe and convenient in operation and capable of using two-dimension codes scanned by mobile phones to achieve online payments.
Description
Technical field
The present invention relates to network payment technical field, is the technology of method of network payment and network payment system thereof specifically.
Background technology
At present, network payment is progressively universal ripe, network payment company realizes between user the functions such as transfer of payment by the backstage payment administrative system of the payment terminal software Ji Yuge bank of exploitation based on computer, panel computer or mobile phone docking, transfer of payment between user need to be inputted and import target account title, and trouble is relatively confirmed in gathering.And traditional network payment mode to be Unionpay swipe the card pays pos machine, payment platform by Yu Ge bank of Unionpay docking and terminal pos machine are realized the card payment of swiping the card, trade company inputs the amount of money on pos machine, user is by swiping the card at pos machine draw-in groove, and pos machine completes payment after obtaining bank card information and allowing user input password confirming.This traditional Unionpay's POS machine belongs to has card to pay, and user operates by the mode of swiping the card, and fund directly arrives user's bank account after Unionpay's account in 24 hours.This conventional P OS machine is owing to being the payment of swiping the card, client need to carry card, and the increase that has card quantity along with everyone is carried very inconvenient, needs draw card and swipe the card in payment process simultaneously, not only to card, have damage to cause changing card, and operating process step is longer.In addition, along with rise and the maturation of network payment, network payment is only supported on conventional computer, panel computer and mobile phone and carries out returned money by filling in the mode of beneficiary account at present, bothers, and be not suitable with the payment custom of commercial field in practical operation.
Summary of the invention
The object of the invention is to provide a kind of network and pays without card, and handling safety is method of network payment and network payment system thereof efficiently, and supports the Quick Response Code network payment of mobile telephone scanning.
Object of the present invention is achieved through the following technical solutions.
A method of network payment, is characterized in that described method of network payment comprises series of steps:
1) shroff account number that the disparate networks of binding trade company pays;
2) trade company selects the modes of payments and directly enters the input amount of money page in terminal system according to user-selected network payment system, the input client of trade company consumes the amount of money and determines the amount of money, the amount of money determines that rear system sends to network payment system by the message file bag that pays request, turns back to terminal system after network payment system is checked confirmation;
3) feedback information of terminal system collection network payment system, is illustrated on screen paying the information package of request and packets of information being generated to payment Quick Response Code;
4) user uses the scanning of cell phone network payment software to pay Quick Response Code, and user inputs network payment password and determined payment, and network payment system completes result feedback to terminal system by payment;
5) the flowing water information that has paid result is printed, and the request that wherein pays comprises payment, name of product, collecting account.
Described step 5) comprising that terminal system is received to have paid object information and generate to have printed drawing sends to printer, and printer is printed the drawing sending over, and client signs a bill, and trade company's deposit receipt.
A kind of network payment system, it is characterized in that described network payment system comprises terminal system, network payment interface is to connection module, merchant account management binding module, pay two-dimensional code generation module and device systems administration module and user mobile phone, terminal system comprises integrated mainboard, CPU processor, touch display screen, printer and communication module, terminal system is passed through network payment interface to connection module, merchant account management binding module, pay two-dimensional code generation module and device systems administration module and form three architecture platform levels, be respectively basic platform, data platform and function platform, wherein, basic platform passes through server, the construction of security gateway and network and operating system realizes basic carrying platform, data platform is data storage, exchange and the calling platform of setting up based on business, information, decision-making and configuration, function platform is realized the function of account management, interface management, Quick Response Code generation and system management based on user platform.
Described merchant account administration module, comprises that user passes through keyboard interface, and input specific code is clicked and confirmed just can enter account management module password confirming interface, and trade company's input administrator password, just can enter account management module after authentication success; In account management, can view bound network account, and can click into respectively each account and check account balance and flowing water situation, simultaneously flowing water table can be derived by trade company, and trade company can unbind present networks payment account or binds new network payment account in addition; In account management, can realize account statistical function, realize based on the overall income income of all binding accounts of this terminal situation, add up respectively the same day, this month and income flowing water then adds up;
Described payment two-dimensional code generation module, comprises according to user and requires to select network payment mode, click can enter amount of money inputting interface; The input amount of money, and confirm to pay Quick Response Code by generating network; As pay successfully, demonstration pays successful information and plays list, as pays unsuccessful demonstration payment failure cause, and guides trade company again to pay;
Described network payment interface, to connection module, comprises by homepage keyboard interface input specific code, can enter network payment interface docking module management interface for password input, inputs and confirm can enter administration interface after password; User can add new payment interface in administration interface, or upgrades up-to-date payment interface;
Described device systems administration module, comprises basic information management module, data card administration module, Password Management module and maintenance report barrier administration module, and part log-on message can be revised by basic information management module trade company; Data card administration module allows user to apply for changing data card, and the management of data card; Change password after Password Management module allows user to authenticate by note; Maintenance report barrier administration module allows trade company to hinder in report from a liner.
Described integrated mainboard comprises CPU processing module, Graphics Processing module, main line plate main line plate and supports GSM/GPRS and 3G communication function module.
Described terminal system also comprises loudspeaker and the external interface that can receive the microphone of voice signal and the signal of can sounding, external interface comprises power interface and data-interface, the power interface charging that can be connected with external adapter, data-interface can be connected by data line equipment by USB interface and realize computer end and control with computer.
A kind of end device of supporting the Quick Response Code network payment of mobile telephone scanning, it is characterized in that: described end device comprises shell, integrated mainboard, CPU processor, display screen, printer and communication module, on shell, be provided with front, display screen is located at front, printer is connected with integrated mainboard signal, described integrated mainboard comprises CPU processing module, Graphics Processing module, main line plate main line plate and support GSM/GPRS and 3G communication function module, front at shell is also provided with keyboard interface, CPU processor, communication module is located on integrated mainboard, wherein in CPU processor, be provided with network payment interface to connection module, merchant account management binding module, pay two-dimensional code generation module and device systems administration module.
The present invention compared with prior art tool has the following advantages:
Technical scheme of the present invention is owing to having the two-dimensional code generation module of payment, merchant account management binding module, network payment interface to connection module and equipment and system administration module, by docking open network payment interface, can support trade company to input fast the amount of money and generate to pay Quick Response Code, client pays Quick Response Code by own mobile telephone scanning can enter network payment password confirming interface, and completes payment.System of the present invention belongs to without card and pays, and user is by institute's Quick Response Code that generates realization payment on mobile-phone payment software scans device, and payment process is trade company and user network payment accounts, does not relate to bank card.In a word, the present invention can bind trade company self collecting account, as long as the input amount of money can generate, pay Quick Response Code and display on screen, client can complete and transfer accounts after only need to and inputting password by the network payment software scans Quick Response Code in mobile phone, the mobile phone that is equivalent to client has had the function of wallet, realizes network and pays without card.
The present invention has following feature:
1) realize under the line that mobile telephone scanning Quick Response Code pays and carrying.Network payment progressively moves to maturity, and covering crowd is quite extensive, the therefore theory based on " mobile phone wallet ", user progressively by bank card and network payment software binding, for having established good application foundation without card payment.But at present needleless generates displaying terminal pos machine to the Quick Response Code of businessman, brought many inconvenience to the application paying without card, the present invention is that businessman makes and meets use habit, the network payment Quick Response Code carrying terminal of simple, convenient and mobile.
2) current, under line, paying to adopt has the card modes of payments, i.e. the POS machine for punching the card of ripe title, and client need to carry entity card, and trade company adopts the special POS machine of swiping the card, and the input amount of money is also printed paying bill according to payment result after user card punching.Therefore, in order to comply with the trend paying without card, the present invention has made up the deficiency of this piece, substitutes original " swiping the card " pattern, and " barcode scanning " pattern of employing realizes under line and paying.
Accompanying drawing explanation
Fig. 1 is network payment system schematic diagram of the present invention ();
Fig. 2 is network payment system schematic diagram of the present invention (two);
Fig. 3 is network payment system schematic diagram of the present invention (three);
Fig. 4 is terminal system structural representation of the present invention;
Fig. 5 is merchant account administration module fundamental diagram of the present invention ();
Fig. 6 is merchant account administration module fundamental diagram of the present invention (two);
Fig. 7 is that the present invention pays two-dimensional code generation module fundamental diagram;
Fig. 8 is that network payment interface of the present invention is to connection module fundamental diagram;
Fig. 9 is present device system management module fundamental diagram;
Figure 10 is method of network payment principle flow chart of the present invention.
Embodiment
Below in conjunction with accompanying drawing, the present invention is described in further detail.
Method of network payment of the present invention, as Fig. 1, Fig. 3, comprises series of steps:
1) shroff account number that the disparate networks of binding trade company pays;
2) trade company selects the modes of payments and directly enters the input amount of money page in terminal system according to user-selected network payment system, the input client of trade company consumes the amount of money and determines the amount of money, the amount of money determines that rear system sends to network payment system by the message file bag that pays request, turns back to terminal system after network payment system is checked confirmation;
3) feedback information of terminal system collection network payment system, is illustrated on screen paying the information package of request and packets of information being generated to payment Quick Response Code;
4) user uses the scanning of cell phone network payment software to pay Quick Response Code, and user inputs network payment password and determined payment, and network payment system completes result feedback to terminal system by payment;
5) the flowing water information that has paid result is printed, and the request that wherein pays comprises payment, name of product, collecting account.Step 5) comprising that terminal system is received to have paid object information and generate to have printed drawing sends to printer, and printer is printed the drawing sending over, and client signs a bill, and trade company's deposit receipt.In figure, apparatus of the present invention system, device terminal system refer to described terminal system.
As Figure 10, network payment principle process of the present invention is comprised of four sub-processes, is respectively the request of paying and sends sub-process with charge free, pays Quick Response Code and generate sub-process, barcode scanning result feedback sub-process and the flowing water information flow process of sealing.
(1) pay request and send sub-process, i.e. step 2 with charge free):
The first step: trade company selects the modes of payments according to user-selected network payment system and directly enters the input amount of money page; The input client of second step trade company consumes the amount of money and determines the amount of money, as wrong the emptying of amount of money input, rewrites, and as selected, cancels and exits payment flow; The 3rd step: the amount of money determines that rear system sends to network payment system by message file bags such as payment, names of product, turns back to terminal system after network payment system is checked confirmation.
(2) pay Quick Response Code and generate sub-process, i.e. step 3):
The first step: the feedback information of terminal system collection network payment system; Second step: by information package such as payment, name of product, collecting accounts; The 3rd step: packets of information is generated and pays Quick Response Code, and be illustrated on screen.
(3) barcode scanning result feedback sub-process, i.e. step 4):
The first step: user uses the scanning of cell phone network payment software to pay Quick Response Code; Second step: user inputs network payment password and determined payment; The 3rd step: network payment system completes result feedback to terminal system by payment.
(4) seal flow process, i.e. step 5 of flowing water information):
The first step: terminal system is received to have paid object information and generated printing drawing and sent to printer; Second step: printer is printed the drawing sending over; The 3rd step: client signs a bill, and trade company's deposit receipt.
As Fig. 1-Fig. 3, network payment system of the present invention, comprises that terminal system, network payment interface are to connection module, merchant account management binding module, payment two-dimensional code generation module and device systems administration module and user mobile phone.The present invention realizes under the line of internet payment in application carries, and as main user, apparatus of the present invention system needs the disparate networks of binding trade company to pay shroff account number before use, by multilayer password and security mechanism protection collecting account safety.Trade company's network gathering process and simple, selects the modes of payments or brand according to the customer requirement first step; The second step input amount of money also determines that generation pays Quick Response Code; The 3rd step is the network payment Quick Response Code that user adopts the network payment software scans of self mobile phone to generate, and inputs payment cipher and confirm; After payment completes, printing equipment prints account current.Payment process is to pay without card, client only need to be operated and input password and complete whole payment process in scanning Quick Response Code mode by mobile phone, there is card payment process to adopt diverse technological means and form with traditional mode of swiping the card, make payment process become " sweeping " by " brush ", on the basis that need not draw card, realize quick and safe and pay.
Terminal system comprises integrated mainboard, CPU processor, touch display screen, printer and communication module.Terminal system is more particularly a kind of end device of supporting the Quick Response Code network payment of mobile telephone scanning, as Fig. 4, comprise shell 5, integrated mainboard 1, CPU processor, display screen 3, printer 2, battery 4 and communication module, on shell, be provided with front, display screen is located at front, printer is connected with integrated mainboard signal, on integrated mainboard, be provided with CPU processing module, Graphics Processing module, main line plate main line plate and support GSM/GPRS and 3G communication function module, front at shell is also provided with keyboard interface, CPU processor, communication module is located on integrated mainboard, wherein in CPU processor, be provided with network payment interface to connection module, merchant account management binding module, pay two-dimensional code generation module and device systems administration module, wherein battery 4 can be also external power supply.Display screen is touch display screen, and now keyboard interface is recalled by plug-in by touch display screen.Printer is mini-printer, is fixedly connected on top side, bottom side or the avris of shell.End device also comprises loudspeaker and the external interface that can receive the microphone of voice signal and the signal of can sounding, external interface comprises power interface and data-interface, the power interface charging that can be connected with external adapter, data-interface can be connected by data line equipment by USB interface and realize computer end and control with computer.
As Fig. 2, terminal system forms three architecture platform levels by network payment interface to connection module, merchant account management binding module, payment two-dimensional code generation module and device systems administration module, be respectively basic platform, data platform and function platform, wherein basic platform is realized basic carrying platform by the construction of server, security gateway and network and operating system; Data platform is data storage, exchange and the calling platform of setting up based on business, information, decision-making and configuration; Function platform is realized the function of account management, interface management, Quick Response Code generation and system management based on user platform.Terminal system also comprises loudspeaker and the external interface that can receive the microphone of voice signal and the signal of can sounding, external interface comprises power interface and data-interface, the power interface charging that can be connected with external adapter, data-interface can be connected by data line equipment by USB interface and realize computer end and control with computer.Integrated mainboard comprises CPU processing module, Graphics Processing module, main line plate main line plate and supports GSM/GPRS and 3G communication function module.
Merchant account administration module: comprise that user passes through keyboard interface, input specific code is clicked and confirmed just can enter account management module password confirming interface, trade company's input administrator password, just can enter account management module after authentication success; In account management, can view bound network account, and can click into respectively each account and check account balance and flowing water situation, simultaneously flowing water table can be derived by trade company, and trade company can unbind present networks payment account or binds new network payment account in addition; In account management, can realize account statistical function, realize based on the overall income income of all binding accounts of this terminal situation, add up respectively the same day, this month and income flowing water then adds up, as Fig. 5, Fig. 6;
Pay two-dimensional code generation module: comprise according to user and require to select network payment mode, click can enter amount of money inputting interface; The input amount of money, and confirm to pay Quick Response Code by generating network; As pay successfully, demonstration pays successful information and plays list, as pays unsuccessful demonstration payment failure cause, and guides trade company again to pay, as Fig. 7;
Network payment interface is to connection module: comprise by homepage keyboard interface input specific code, can enter network payment interface docking module management interface for password input, input and confirm and can enter administration interface after password; User can add new payment interface in administration interface, or upgrades up-to-date payment interface, as Fig. 8;
Device systems administration module: comprise basic information management module, data card administration module, Password Management module and maintenance report barrier administration module, part log-on message can be revised by basic information management module trade company; Data card administration module allows user to apply for changing data card, and the management of data card; Change password after Password Management module allows user to authenticate by note; Maintenance report barrier administration module allows trade company to hinder in report from a liner, as Fig. 9.
Claims (9)
1. a method of network payment, is characterized in that described method of network payment comprises series of steps:
1) shroff account number that the disparate networks of binding trade company pays;
2) trade company selects the modes of payments and directly enters the input amount of money page in terminal system according to user-selected network payment system, the input client of trade company consumes the amount of money and determines the amount of money, the amount of money determines that rear system sends to network payment system by the message file bag that pays request, turns back to terminal system after network payment system is checked confirmation;
3) feedback information of terminal system collection network payment system, is illustrated on screen paying the information package of request and packets of information being generated to payment Quick Response Code;
4) user uses the scanning of cell phone network payment software to pay Quick Response Code, and user inputs network payment password and determined payment, and network payment system completes result feedback to terminal system by payment;
5) the flowing water information that has paid result is printed, and the request that wherein pays comprises payment, name of product, collecting account.
2. method of network payment according to claim 1, it is characterized in that: described step 5) comprising that terminal system is received to have paid object information and generate to have printed drawing sends to printer, printer is printed the drawing sending over, and client signs a bill, and trade company's deposit receipt.
3. a network payment system that is applicable to claim 1 or 2, it is characterized in that described network payment system comprises terminal system, network payment interface is to connection module, merchant account management binding module, pay two-dimensional code generation module and device systems administration module and user mobile phone, terminal system comprises integrated mainboard, CPU processor, touch display screen, printer and communication module, terminal system is passed through network payment interface to connection module, merchant account management binding module, pay two-dimensional code generation module and device systems administration module and form three architecture platform levels, be respectively basic platform, data platform and function platform, wherein, basic platform passes through server, the construction of security gateway and network and operating system realizes basic carrying platform, data platform is data storage, exchange and the calling platform of setting up based on business, information, decision-making and configuration, function platform is realized the function of account management, interface management, Quick Response Code generation and system management based on user platform.
4. network payment system according to claim 3, it is characterized in that: described merchant account administration module, comprise that user passes through keyboard interface, input specific code is clicked and is confirmed just can enter account management module password confirming interface, trade company's input administrator password, just can enter account management module after authentication success; In account management, can view bound network account, and can click into respectively each account and check account balance and flowing water situation, simultaneously flowing water table can be derived by trade company, and trade company can unbind present networks payment account or binds new network payment account in addition; In account management, can realize account statistical function, realize based on the overall income income of all binding accounts of this terminal situation, add up respectively the same day, this month and income flowing water then adds up;
Described payment two-dimensional code generation module, comprises according to user and requires to select network payment mode, click can enter amount of money inputting interface; The input amount of money, and confirm to pay Quick Response Code by generating network; As pay successfully, demonstration pays successful information and plays list, as pays unsuccessful demonstration payment failure cause, and guides trade company again to pay;
Described network payment interface, to connection module, comprises by homepage keyboard interface input specific code, can enter network payment interface docking module management interface for password input, inputs and confirm can enter administration interface after password; User can add new payment interface in administration interface, or upgrades up-to-date payment interface;
Described device systems administration module, comprises basic information management module, data card administration module, Password Management module and maintenance report barrier administration module, and part log-on message can be revised by basic information management module trade company; Data card administration module allows user to apply for changing data card, and the management of data card; Change password after Password Management module allows user to authenticate by note; Maintenance report barrier administration module allows trade company to hinder in report from a liner.
5. network payment system according to claim 3, is characterized in that: described integrated mainboard comprises CPU processing module, Graphics Processing module, main line plate and supports GSM/GPRS and 3G communication function module.
6. network payment system according to claim 3, it is characterized in that: described terminal system also comprises loudspeaker and the external interface that can receive the microphone of voice signal and the signal of can sounding, external interface comprises power interface and data-interface, the power interface charging that can be connected with external adapter, data-interface can be connected by data line equipment by USB interface and realize computer end and control with computer.
7. an end device of supporting the Quick Response Code network payment of mobile telephone scanning, it is characterized in that: described end device comprises shell, integrated mainboard, CPU processor, display screen, printer and communication module, on shell, be provided with front, display screen is located at front, printer is connected with integrated mainboard signal, described integrated mainboard comprises CPU processing module, Graphics Processing module, main line plate and support GSM/GPRS and 3G communication function module, front at shell is also provided with keyboard interface, CPU processor, communication module is located on integrated mainboard, wherein in CPU processor, be provided with network payment interface to connection module, merchant account management binding module, pay two-dimensional code generation module and device systems administration module.
8. the end device of supporting according to claim 7 the Quick Response Code network payment of mobile telephone scanning, is characterized in that: described printer is connected to top side, bottom side or the avris of shell.
9. support according to claim 7 the end device of the Quick Response Code network payment of mobile telephone scanning, it is characterized in that: described end device also comprises loudspeaker and the external interface that can receive the microphone of voice signal and the signal of can sounding, external interface comprises power interface and data-interface, the power interface charging that can be connected with external adapter, data-interface can be connected by data line equipment by USB interface and realize computer end and control with computer.
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| CN106022768A (en) * | 2016-05-27 | 2016-10-12 | 广州云移信息科技有限公司 | Network payment method based on two-dimensional codes and network payment system based on two-dimensional codes |
| CN106056381A (en) * | 2016-05-27 | 2016-10-26 | 广州云移信息科技有限公司 | Network payment method and system based on two-dimension code |
| CN106067114A (en) * | 2016-05-27 | 2016-11-02 | 广州云移信息科技有限公司 | Method of network payment based on Quick Response Code and system |
| CN106066601A (en) * | 2016-06-15 | 2016-11-02 | 金钱象网络科技（北京）有限公司 | One barcode scanning can pay intelligent watch |
| CN106296323A (en) * | 2015-05-18 | 2017-01-04 | 北京尚邻科技有限公司 | From putting forward method of calibration, system and verification terminal thereof under a kind of on-line payment line |
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