CN103854173A - Mobile payment method for field shopping - Google Patents
Mobile payment method for field shopping Download PDFInfo
- Publication number
- CN103854173A CN103854173A CN201410123226.0A CN201410123226A CN103854173A CN 103854173 A CN103854173 A CN 103854173A CN 201410123226 A CN201410123226 A CN 201410123226A CN 103854173 A CN103854173 A CN 103854173A
- Authority
- CN
- China
- Prior art keywords
- payment
- consumer
- trade company
- account
- mobile phone
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- 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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
-
- 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
-
- 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
-
- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a mobile payment method for field shopping, and belongs to the technical field of mobile payment. A cellphone is utilized as a payment terminal of a consumer and a non-contact POS (point-of-sale) terminal of a commercial tenant. The mobile payment method comprises the steps that a commercial tenant cashier utilizes the cellphone to recognize a bar code of a commodity chosen by a consumer, and then a trading two-dimension code generated according to order information and business information is displayed on a cellphone screen; the consumer utilizes the cellphone to recognize trading two-dimension code information, and requests an internet payment platform and a bank deal system to pay after affirming the amount of payment. The mobile payment method provided by the invention has the advantages that a bank card and a POS machine are needed in the whole trading process, and the information of a bank card and account codes of the customer do not enter a commercial tenant cashier system, so that the operating cost of the commercial tenant is reduced, and the safety of mobile online payment is also guaranteed; a mobile payment system can record consumer consuming behavior data and commercial tenant market data which are generated in the trading process, and thus data resources with huge economic values and social values are accumulated for banks or Union Pay.
Description
Technical field
The present invention relates to a kind of method of mobile payment for in-store shopping, particularly a kind of method of mobile payment for paying on shopping and line under line, belongs to mobile payment technical field.
Background technology
Along with the fast development of the fast universal and mobile Internet of smart mobile phone, each big bank and Unionpay have all realized being connected of mobile phone and bank card (comprising debit card and credit card), make the consumer in the time of shopping online, can use smart mobile phone to carry out remote mobile payment.But consumer is in the time that market shopping uses cashless payment mode, substantially adopt traditional bank card-POS(Point Of Sale) point-of-sale terminal (hereinafter to be referred as the POS machine) modes of payments of swiping the card, or adopt the near-field communication mobile phone terminal (Near Field Communication, hereinafter to be referred as NFC) of Unionpay's release and carry out on-line transaction or offline transaction with the POS machine of non-contact reader-writer.
Traditional bank card POS machine is swiped the card, and there are the following problems for the modes of payments:
(1) while swiping the card operation, bank card leaves consumer, deposits the risk that card information is revealed in the bank;
(2) while swiping the card, bank card information and account password all enter in POS machine and process, the possibility that has confidential information to be stolen;
(3) dealing money is manually inputted by the cashier of trade company, if holder does not find to input amount of money mistake in the time that signature is confirmed, can bring loss to both sides;
(4) trade company need to dispose POS machine, has increased the operating cost of trade company, is difficult to apply in medium and small trade company and low developed area.
There are the following problems for NFC mobile phone terminal near field mobile payment mode:
(1) consumer need be replaced by NFC mobile phone by the common smart mobile phone in hand, has increased customer using cost;
(2) NFC mobile phone has increased NFC close range wireless communication module and antenna, has increased the cost of NFC mobile phone simultaneously, form certain market scale and still need the longer time.
(3) NFC mobile-phone payment mode needs the close fit of multiple links such as smart mobile phone manufacturer, Virtual network operator, financial institution, businessman, between links, remain in certain difference at aspects such as distribution of interests, right and responsibility, disbursement and sattlements, affected to a certain extent the popularization of NFC near field mobile payment mode.
(4) consumer's micro-electronic cash is stored in NFC mobile phone, once mobile phone is lost, loss cannot make up.
(5) trade company need to dispose the POS machine with non-contact reader-writer, has increased the operating cost of trade company.
In a word, the swipe the card modes of payments and NFC mobile phone near field mobile payment mode of traditional bank card POS machine all needs trade company need dispose POS machine, both increased the operating cost of trade company, is unfavorable for again applying in medium and small trade company and low developed area.In addition, existing two kinds of modes of payments are not all carried out record to the consumer spending behavioral data producing in process of exchange and trade company's sales data, and the large data resource that contains huge commercial value is run off in vain.
Summary of the invention
The object of the invention is to propose a kind of as seen mobile payment technology based on cloud payment platform, to overcome the swipe the card deficiency of the modes of payments and NFC mobile phone mobile payment mode of existing bank card POS machine, reduce operating cost, and improve consumer's property safety.
The method of mobile payment for in-store shopping that the present invention proposes, comprises the following steps:
(1) consumer and trade company, respectively in the registration of mobile Internet payment platform, make consumer's cell-phone number and consumer's banker's payment account associated, make the cell-phone number of trade company and the bank gathering account of trade company associated;
(2) cashier of trade company uses trade company's mobile phone to take the bar code of consumer's free choice of goods, the automatic recognition value bar code information of trade company's mobile phone, and generate sequence information, comprise order number, trade name, quantity, unit price and transaction total charge;
(3) trade company's mobile phone is encrypted and encodes trade company's collecting account and sequence information, generate transaction Quick Response Code, and on trade company's mobile phone screen, showing this transaction Quick Response Code, trade company's bank gathering account and sequence information are sent to mobile Internet payment platform by trade company's mobile phone simultaneously;
(4) consumer uses mobile phone to take the transaction Quick Response Code showing on trade company's mobile phone screen, and the transaction Quick Response Code of taking is decoded and deciphering obtains Transaction Information, Transaction Information comprises trade company's bank gathering account and sequence information, and the sequence information in Transaction Information is presented on consumer's mobile phone screen;
(5) consumer is according to the sequence information showing on consumer's mobile phone screen, trade name, quantity, unit price and transaction total charge are checked after confirmation, to consumer's mobile phone input consumer banker's payment account's payment cipher, consumer's mobile phone will generate transaction message after the payment cipher group bag of trade company's bank gathering account, sequence information and consumer's banker's payment account in Transaction Information, after encrypting, send to mobile Internet payment platform, request pays;
(6) mobile Internet payment platform is deciphered and unpacks transaction message, obtain trade company's bank gathering account, sequence information and consumer's banker's payment account's payment cipher, and after the sequence information that trade company in sequence information and step (3) is sent compares and confirms, payment in trade company's bank gathering account, sequence information, consumer's banker's payment account's payment cipher group together with chartered consumer's banker's payment account is bundled into payment message, this payment message is sent to bank transaction system;
(7) sequence information that mobile Internet payment platform is confirmed step (6) stores respectively consumer and trade company under the registration account of mobile Internet payment platform;
(8) bank transaction system unpacks the payment message receiving, obtain trade company's bank gathering account, payment in sequence information, consumer's banker's payment account's payment cipher and chartered consumer's banker's payment account, the payment cipher of examination & verification consumer banker's payment account, examination & verification consumer banker's payment account balance, if it is qualified to audit, according to the payment in sequence information, payment for goods is transferred to trade company's bank gathering account from consumer's banker's payment account, complete after payment, bank transaction system sends and has paid instruction to mobile Internet payment platform, if audit defective, the information of payment cipher mistake or consumer's banker's payment account balance deficiency is returned to mobile Internet payment platform,
(9) mobile Internet payment platform receives that the payment of bank transaction system completes after instruction, respectively to consumer's mobile phone with trade company's mobile phone sends this trading order form information and payment completes instruction, confirms to have paid.
The method of mobile payment for in-store shopping that the present invention proposes, its advantage is:
The inventive method utilizes mobile phone as consumer's payment terminal and the noncontact POS terminal of trade company, in whole process of exchange, pays without using bank card and POS machine just can complete Mobile Online.Consumer's bank card information and account password do not enter trade company's POS system, have solved the problem that bank card information is easily stolen in the process of swiping the card; Dealing money is generated automatically by trade company's mobile phone, does not need cashier to input by hand dealing money, has stopped the people in payment process completely for input error; Trade company, can be in medium and small trade company and low developed area popularization and application without purchasing special POS machine.The mobile-payment system that the present invention proposes carries out record to the consumer spending behavioral data producing in process of exchange and trade company's sales data, in providing trading account management service for consumer and trade company, for bank or Unionpay's accumulation have the large data resource of huge economic value and social value.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of the method for mobile payment for in-store shopping that proposes of the present invention.
Embodiment
The method of mobile payment for in-store shopping that the present invention proposes, its schematic flow sheet as shown in Figure 1, comprises the following steps:
(1) consumer and trade company, respectively in the registration of mobile Internet payment platform, make consumer's cell-phone number and consumer's banker's payment account associated, make the cell-phone number of trade company and the bank gathering account of trade company associated;
(2) cashier of trade company uses trade company's mobile phone to take the bar code of consumer's free choice of goods, the automatic recognition value bar code information of trade company's mobile phone, and generate sequence information, comprise order number, trade name, quantity, unit price and transaction total charge;
(3) trade company's mobile phone is encrypted and encodes trade company's collecting account and sequence information, generate transaction Quick Response Code, and on trade company's mobile phone screen, showing this transaction Quick Response Code, trade company's bank gathering account and sequence information are sent to mobile Internet payment platform by trade company's mobile phone simultaneously;
(4) consumer uses mobile phone to take the transaction Quick Response Code showing on trade company's mobile phone screen, and the transaction Quick Response Code of taking is decoded and deciphering obtains Transaction Information, Transaction Information comprises trade company's bank gathering account and sequence information, and the sequence information in Transaction Information is presented on consumer's mobile phone screen;
(5) consumer is according to the sequence information showing on consumer's mobile phone screen, trade name, quantity, unit price and transaction total charge are checked after confirmation, to consumer's mobile phone input consumer banker's payment account's payment cipher, consumer's mobile phone will generate transaction message after the payment cipher group bag of trade company's bank gathering account, sequence information and consumer's banker's payment account in Transaction Information, after encrypting, send to mobile Internet payment platform, request pays;
(6) mobile Internet payment platform is deciphered and unpacks transaction message, obtain trade company's bank gathering account, sequence information and consumer's banker's payment account's payment cipher, and after the sequence information that trade company in sequence information and step (3) is sent compares and confirms, payment in trade company's bank gathering account, sequence information, consumer's banker's payment account's payment cipher group together with chartered consumer's banker's payment account is bundled into payment message, this payment message is sent to bank transaction system;
(7) sequence information that mobile Internet payment platform is confirmed step (6) stores respectively consumer and trade company under the registration account of mobile Internet payment platform, consumer and trade company can utilize mobile phone or computing machine, check historical consume record by mobile Internet at any time and sell detailedly, and use the data management functions such as statistical query that internet payment platform provides;
(8) bank transaction system unpacks the payment message receiving, obtain trade company's bank gathering account, payment in sequence information, consumer's banker's payment account's payment cipher and chartered consumer's banker's payment account, the payment cipher of examination & verification consumer banker's payment account, examination & verification consumer banker's payment account balance, if it is qualified to audit, according to the payment in sequence information, payment for goods is transferred to trade company's bank gathering account from consumer's banker's payment account, complete after payment, bank transaction system sends and has paid instruction to mobile Internet payment platform, if audit defective, the information of payment cipher mistake or consumer's banker's payment account balance deficiency is returned to mobile Internet payment platform,
(9) mobile Internet payment platform receives that the payment of bank transaction system completes after instruction, respectively to consumer's mobile phone with trade company's mobile phone sends this trading order form information and payment completes instruction, confirms to have paid.Sequence information comprises trade name, quantity, unit price, transaction total charge etc.
While using inventive method, as long as the mobile POS machine client software that assemble and interlinking interconnection net payment platform provides on trade company's mobile phone, and be connected by wireless communication networks between internet payment platform, be used for distinguishing bar code information, and sequence information (order number, trade name, quantity, unit price, transaction total charge etc.) and merchant information are encrypted and are encoded, generate transaction Quick Response Code and show on mobile phone screen, merchant information and sequence information being sent to cloud payment platform simultaneously; The mobile payment client software that internet payment platform provides is installed on consumer's mobile phone, and is connected by wireless communication networks between internet payment platform, for distinguishing the transaction 2 D code information of trade company's smart mobile phone screen display; Confirm an order after information, mobile payment client software will generate transaction message after merchant information, sequence information and payment cipher group bag, after encrypting, sends to cloud payment platform, and request pays.
Internet payment platform in the inventive method, and can realize and being connected by VPN or special line between bank transaction system, be used to consumer and trade company that transaction platform is provided, between consumer, trade company and bank, set up payment flow and complete payment, simultaneously for consumer and trade company provide trading account management service.For registration, the management and open-minded of consumer and trade company's mobile payment service; Receive the transaction message that consumer's smart mobile phone sends, transaction message is decrypted, is unpacked and verification; After being bundled into payment message, payment information (payment, payment account, payment cipher, collecting account) group is forwarded to bank transaction system; The marketing information of consumer's consumer behavior information and trade company is recorded to respectively to consumer and trade company under the account of cloud payment platform registration; The payment that bank transaction system is sent completes instruction and is transmitted to consumer's smart mobile phone and trade company's smart mobile phone, the sequence information of this transaction (trade name, quantity, unit price, transaction total charge etc.) is issued to consumer's smart mobile phone and trade company's smart mobile phone simultaneously;
Bank transaction system in the inventive method, for receiving and pay message processing from internet payment platform, completes payment for goods transferring from consumer's bank account to trade company's bank account, and payment is completed to instruction sends to internet payment platform.
Claims (1)
1. for a method of mobile payment for in-store shopping, it is characterized in that, the method comprises the following steps:
(1) consumer and trade company, respectively in the registration of mobile Internet payment platform, make consumer's cell-phone number and consumer's banker's payment account associated, make the cell-phone number of trade company and the bank gathering account of trade company associated;
(2) cashier of trade company uses trade company's mobile phone to take the bar code of consumer's free choice of goods, the automatic recognition value bar code information of trade company's mobile phone, and generate sequence information, comprise order number, trade name, quantity, unit price and transaction total charge;
(3) trade company's mobile phone is encrypted and encodes trade company's collecting account and sequence information, generate transaction Quick Response Code, and on trade company's mobile phone screen, showing this transaction Quick Response Code, trade company's bank gathering account and sequence information are sent to mobile Internet payment platform by trade company's mobile phone simultaneously;
(4) consumer uses mobile phone to take the transaction Quick Response Code showing on trade company's mobile phone screen, and the transaction Quick Response Code of taking is decoded and deciphering obtains Transaction Information, Transaction Information comprises trade company's bank gathering account and sequence information, and the sequence information in Transaction Information is presented on consumer's mobile phone screen;
(5) consumer is according to the sequence information showing on consumer's mobile phone screen, trade name, quantity, unit price and transaction total charge are checked after confirmation, to consumer's mobile phone input consumer banker's payment account's payment cipher, consumer's mobile phone will generate transaction message after the payment cipher group bag of trade company's bank gathering account, sequence information and consumer's banker's payment account in Transaction Information, after encrypting, send to mobile Internet payment platform, request pays;
(6) mobile Internet payment platform is deciphered and unpacks transaction message, obtain trade company's bank gathering account, sequence information and consumer's banker's payment account's payment cipher, and after the sequence information that trade company in sequence information and step (3) is sent compares and confirms, payment in trade company's bank gathering account, sequence information, consumer's banker's payment account's payment cipher group together with chartered consumer's banker's payment account is bundled into payment message, this payment message is sent to bank transaction system;
(7) sequence information that mobile Internet payment platform is confirmed step (6) stores respectively consumer and trade company under the registration account of mobile Internet payment platform;
(8) bank transaction system unpacks the payment message receiving, obtain trade company's bank gathering account, payment in sequence information, consumer's banker's payment account's payment cipher and chartered consumer's banker's payment account, the payment cipher of examination & verification consumer banker's payment account, examination & verification consumer banker's payment account balance, if it is qualified to audit, according to the payment in sequence information, payment for goods is transferred to trade company's bank gathering account from consumer's banker's payment account, complete after payment, bank transaction system sends and has paid instruction to mobile Internet payment platform, if audit defective, the information of payment cipher mistake or consumer's banker's payment account balance deficiency is returned to mobile Internet payment platform,
(9) mobile Internet payment platform receives that the payment of bank transaction system completes after instruction, respectively to consumer's mobile phone with trade company's mobile phone sends this trading order form information and payment completes instruction, confirms to have paid.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410123226.0A CN103854173A (en) | 2014-03-28 | 2014-03-28 | Mobile payment method for field shopping |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410123226.0A CN103854173A (en) | 2014-03-28 | 2014-03-28 | Mobile payment method for field shopping |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103854173A true CN103854173A (en) | 2014-06-11 |
Family
ID=50861800
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410123226.0A Pending CN103854173A (en) | 2014-03-28 | 2014-03-28 | Mobile payment method for field shopping |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103854173A (en) |
Cited By (44)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104182867A (en) * | 2014-08-20 | 2014-12-03 | 深圳一卡通新技术有限公司 | Order sending method, receiving method, sending device, receiving device and system |
| CN104200361A (en) * | 2014-09-05 | 2014-12-10 | 哆啦宝（北京）科技有限公司 | Automatic two-dimension code generation based mobile banking payment system and payment method |
| CN104217322A (en) * | 2014-08-22 | 2014-12-17 | 深圳市淘淘谷信息技术有限公司 | Communication method and system for realizing third-party account payment and settlement based on commercial tenant terminal equipment |
| CN104268743A (en) * | 2014-09-05 | 2015-01-07 | 哆啦宝（北京）科技有限公司 | Mobile banking payment system based on automatic generation of two-dimension code |
| CN104573139A (en) * | 2015-01-21 | 2015-04-29 | 胡涛 | Information recording method |
| CN104658134A (en) * | 2015-02-15 | 2015-05-27 | 刘腾飞 | Cash register system |
| CN104700273A (en) * | 2015-04-03 | 2015-06-10 | 北京长吉加油设备有限公司 | Gas station cost payment method and gas station cost payment system using same |
| CN104751331A (en) * | 2015-03-26 | 2015-07-01 | 广东驿亭信息科技有限公司 | One-code multi-purpose expense payment method and payment system thereof |
| CN105184560A (en) * | 2015-08-24 | 2015-12-23 | 山西朗众信息技术有限公司 | Payment method and system for mobile terminal |
| CN105303379A (en) * | 2014-08-09 | 2016-02-03 | 北京互帮国际技术有限公司 | Method supporting offline guidance and confirmation of entity card payment |
| CN105318650A (en) * | 2015-11-17 | 2016-02-10 | 慈溪中家院电器检测服务有限公司 | Food data input method based on intelligent refrigerator and intelligent terminal |
| CN105321066A (en) * | 2015-01-24 | 2016-02-10 | 张志恒 | Express order number based payment manner |
| CN105894275A (en) * | 2016-04-19 | 2016-08-24 | 南京永为科技有限公司 | Two-dimensional-code-based intelligent payment system |
| CN105894257A (en) * | 2016-04-21 | 2016-08-24 | 深圳市优讯信息技术有限公司 | On-line and off-line fusion payment method and payment platform, and bank transfer system |
| CN105933363A (en) * | 2016-07-14 | 2016-09-07 | 京东方科技集团股份有限公司 | Method and device for processing business, and unidirectional digital television set-top box |
| CN105989487A (en) * | 2015-02-17 | 2016-10-05 | 天津市阿波罗信息技术有限公司 | Composition method of mobile phone face recognition payment and voiceprint payment system of off-line shopping |
| CN106022756A (en) * | 2016-05-20 | 2016-10-12 | 武汉天喻信息产业股份有限公司 | Instant self-service shopping system and method based on intelligent device |
| CN106056387A (en) * | 2015-07-20 | 2016-10-26 | 王维德 | Intelligent payment device and method using color identification and code |
| 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 |
| CN106157037A (en) * | 2014-09-11 | 2016-11-23 | 杨建纲 | Mobile payment method and mobile payment equipment |
| CN106228360A (en) * | 2016-07-11 | 2016-12-14 | 腾讯科技（深圳）有限公司 | A kind of information processing method and first terminal |
| CN106296175A (en) * | 2016-08-12 | 2017-01-04 | 中国银行股份有限公司 | Method of payment, merchant tenninal, bank transaction system, client terminal and system |
| CN106716469A (en) * | 2014-08-29 | 2017-05-24 | 鲁安和丽娅娜家庭信托公司 | System and method for electronic payments |
| WO2017092353A1 (en) * | 2015-12-04 | 2017-06-08 | 乐视控股（北京）有限公司 | Two-dimensional code generation method, information processing method and information system |
| CN107230121A (en) * | 2016-03-25 | 2017-10-03 | 阿里巴巴集团控股有限公司 | Transaction processing method, device and server |
| CN107292609A (en) * | 2016-04-03 | 2017-10-24 | 汪风珍 | A kind of business transaction method related to bank card |
| CN107403376A (en) * | 2017-07-07 | 2017-11-28 | 上海壹账通金融科技有限公司 | Liquidation method, equipment and computer-readable recording medium on line |
| WO2018018549A1 (en) * | 2016-07-28 | 2018-02-01 | 孙秋实 | Data acquisition method for online shopping technology and online shopping system |
| WO2018018551A1 (en) * | 2016-07-28 | 2018-02-01 | 孙秋实 | Online commodity ordering method and online shopping system |
| WO2018018550A1 (en) * | 2016-07-28 | 2018-02-01 | 孙秋实 | Ownership information prompting method for online commodity purchasing technology, and online shopping system |
| WO2018018547A1 (en) * | 2016-07-28 | 2018-02-01 | 孙秋实 | Information pushing method during local seller's commodity arrival reminding and pushing system |
| CN107657707A (en) * | 2017-11-09 | 2018-02-02 | 厦门益东互联科技有限公司 | A kind of intelligent channel door |
| CN107808285A (en) * | 2017-09-28 | 2018-03-16 | 深圳市生银万国网络科技有限公司 | A kind of method of payment, equipment and computer-readable recording medium |
| CN108198355A (en) * | 2018-01-08 | 2018-06-22 | 苏州市华信信息技术有限公司 | Suitable for various cash registers（Take）The automatic identification payment barcode scanning gun of system |
| CN108346043A (en) * | 2018-02-14 | 2018-07-31 | 东芝泰格有限公司 | Settlement system and data processing method |
| CN109003067A (en) * | 2018-08-07 | 2018-12-14 | 广东蓝蜜蜂信息技术有限公司 | A kind of dynamic two-dimension code polymerization payment system and its working method based on electronic scale |
| TWI649704B (en) * | 2017-08-10 | 2019-02-01 | 中國信託商業銀行股份有限公司 | Payment integration method and server for integrated payment |
| CN109299935A (en) * | 2018-08-20 | 2019-02-01 | 武汉百荣同辉网络科技有限公司 | A kind of method of payment and system based on mobile payment platform |
| CN109493023A (en) * | 2018-10-17 | 2019-03-19 | 珠海横琴现联盛科技发展有限公司 | Mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm |
| CN110517044A (en) * | 2019-09-02 | 2019-11-29 | 王嵘 | It is a kind of can under security system transaction funds safety transaction system |
| CN111489204A (en) * | 2020-04-16 | 2020-08-04 | 浙江同花顺智能科技有限公司 | Data processing method, device, equipment and storage medium |
| CN112734438A (en) * | 2021-01-11 | 2021-04-30 | 上海启匠信息技术有限公司 | Bulk transaction platform payment system and method based on union banking flash payment |
| US20230169478A1 (en) * | 2017-09-22 | 2023-06-01 | Mastercard International Incorporated | Optical-scan triggered electronic funds transfer for purchase transaction |
| CN117291587A (en) * | 2023-11-27 | 2023-12-26 | 福建超汇信息技术有限公司 | Mobile payment method and equipment thereof |
-
2014
- 2014-03-28 CN CN201410123226.0A patent/CN103854173A/en active Pending
Cited By (53)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105303379A (en) * | 2014-08-09 | 2016-02-03 | 北京互帮国际技术有限公司 | Method supporting offline guidance and confirmation of entity card payment |
| CN104182867B (en) * | 2014-08-20 | 2017-11-17 | 深圳一卡通新技术有限公司 | Order sending method, method of reseptance, dispensing device, reception device and system |
| CN104182867A (en) * | 2014-08-20 | 2014-12-03 | 深圳一卡通新技术有限公司 | Order sending method, receiving method, sending device, receiving device and system |
| CN104217322A (en) * | 2014-08-22 | 2014-12-17 | 深圳市淘淘谷信息技术有限公司 | Communication method and system for realizing third-party account payment and settlement based on commercial tenant terminal equipment |
| CN106716469A (en) * | 2014-08-29 | 2017-05-24 | 鲁安和丽娅娜家庭信托公司 | System and method for electronic payments |
| CN104268743A (en) * | 2014-09-05 | 2015-01-07 | 哆啦宝（北京）科技有限公司 | Mobile banking payment system based on automatic generation of two-dimension code |
| CN104200361B (en) * | 2014-09-05 | 2018-04-10 | 哆啦宝（北京）科技有限公司 | The Mobile banking's payment system and method for payment automatically generated based on Quick Response Code |
| CN104200361A (en) * | 2014-09-05 | 2014-12-10 | 哆啦宝（北京）科技有限公司 | Automatic two-dimension code generation based mobile banking payment system and payment method |
| CN106157037A (en) * | 2014-09-11 | 2016-11-23 | 杨建纲 | Mobile payment method and mobile payment equipment |
| CN104573139A (en) * | 2015-01-21 | 2015-04-29 | 胡涛 | Information recording method |
| CN105321066A (en) * | 2015-01-24 | 2016-02-10 | 张志恒 | Express order number based payment manner |
| CN104658134A (en) * | 2015-02-15 | 2015-05-27 | 刘腾飞 | Cash register system |
| CN105989487A (en) * | 2015-02-17 | 2016-10-05 | 天津市阿波罗信息技术有限公司 | Composition method of mobile phone face recognition payment and voiceprint payment system of off-line shopping |
| CN104751331A (en) * | 2015-03-26 | 2015-07-01 | 广东驿亭信息科技有限公司 | One-code multi-purpose expense payment method and payment system thereof |
| CN104751331B (en) * | 2015-03-26 | 2018-07-24 | 广东驿亭信息科技有限公司 | A kind of one yard multi-purpose reimbursement of expense method and its payment system |
| CN104700273A (en) * | 2015-04-03 | 2015-06-10 | 北京长吉加油设备有限公司 | Gas station cost payment method and gas station cost payment system using same |
| CN106056387A (en) * | 2015-07-20 | 2016-10-26 | 王维德 | Intelligent payment device and method using color identification and code |
| CN105184560A (en) * | 2015-08-24 | 2015-12-23 | 山西朗众信息技术有限公司 | Payment method and system for mobile terminal |
| CN105318650A (en) * | 2015-11-17 | 2016-02-10 | 慈溪中家院电器检测服务有限公司 | Food data input method based on intelligent refrigerator and intelligent terminal |
| WO2017092353A1 (en) * | 2015-12-04 | 2017-06-08 | 乐视控股（北京）有限公司 | Two-dimensional code generation method, information processing method and information system |
| CN107230121B (en) * | 2016-03-25 | 2020-10-02 | 阿里巴巴集团控股有限公司 | Transaction processing method and device and server |
| CN107230121A (en) * | 2016-03-25 | 2017-10-03 | 阿里巴巴集团控股有限公司 | Transaction processing method, device and server |
| CN107292609A (en) * | 2016-04-03 | 2017-10-24 | 汪风珍 | A kind of business transaction method related to bank card |
| CN105894275A (en) * | 2016-04-19 | 2016-08-24 | 南京永为科技有限公司 | Two-dimensional-code-based intelligent payment system |
| CN105894257A (en) * | 2016-04-21 | 2016-08-24 | 深圳市优讯信息技术有限公司 | On-line and off-line fusion payment method and payment platform, and bank transfer system |
| CN106022756A (en) * | 2016-05-20 | 2016-10-12 | 武汉天喻信息产业股份有限公司 | Instant self-service shopping system and method based on intelligent device |
| 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 |
| CN106228360A (en) * | 2016-07-11 | 2016-12-14 | 腾讯科技（深圳）有限公司 | A kind of information processing method and first terminal |
| CN106228360B (en) * | 2016-07-11 | 2018-07-27 | 腾讯科技（深圳）有限公司 | A kind of information processing method and first terminal |
| CN105933363B (en) * | 2016-07-14 | 2017-07-04 | 京东方科技集团股份有限公司 | A kind of method for processing business, device and unidirectional digital television set-top box |
| CN105933363A (en) * | 2016-07-14 | 2016-09-07 | 京东方科技集团股份有限公司 | Method and device for processing business, and unidirectional digital television set-top box |
| WO2018018549A1 (en) * | 2016-07-28 | 2018-02-01 | 孙秋实 | Data acquisition method for online shopping technology and online shopping system |
| WO2018018547A1 (en) * | 2016-07-28 | 2018-02-01 | 孙秋实 | Information pushing method during local seller's commodity arrival reminding and pushing system |
| WO2018018550A1 (en) * | 2016-07-28 | 2018-02-01 | 孙秋实 | Ownership information prompting method for online commodity purchasing technology, and online shopping system |
| WO2018018551A1 (en) * | 2016-07-28 | 2018-02-01 | 孙秋实 | Online commodity ordering method and online shopping system |
| CN106296175A (en) * | 2016-08-12 | 2017-01-04 | 中国银行股份有限公司 | Method of payment, merchant tenninal, bank transaction system, client terminal and system |
| CN107403376A (en) * | 2017-07-07 | 2017-11-28 | 上海壹账通金融科技有限公司 | Liquidation method, equipment and computer-readable recording medium on line |
| WO2019006900A1 (en) * | 2017-07-07 | 2019-01-10 | 上海壹账通金融科技有限公司 | On-line clearing method, apparatus and device, and computer-readable storage medium |
| TWI649704B (en) * | 2017-08-10 | 2019-02-01 | 中國信託商業銀行股份有限公司 | Payment integration method and server for integrated payment |
| US20230169478A1 (en) * | 2017-09-22 | 2023-06-01 | Mastercard International Incorporated | Optical-scan triggered electronic funds transfer for purchase transaction |
| CN107808285A (en) * | 2017-09-28 | 2018-03-16 | 深圳市生银万国网络科技有限公司 | A kind of method of payment, equipment and computer-readable recording medium |
| CN107657707A (en) * | 2017-11-09 | 2018-02-02 | 厦门益东互联科技有限公司 | A kind of intelligent channel door |
| CN108198355A (en) * | 2018-01-08 | 2018-06-22 | 苏州市华信信息技术有限公司 | Suitable for various cash registers（Take）The automatic identification payment barcode scanning gun of system |
| CN108346043A (en) * | 2018-02-14 | 2018-07-31 | 东芝泰格有限公司 | Settlement system and data processing method |
| CN109003067A (en) * | 2018-08-07 | 2018-12-14 | 广东蓝蜜蜂信息技术有限公司 | A kind of dynamic two-dimension code polymerization payment system and its working method based on electronic scale |
| CN109299935A (en) * | 2018-08-20 | 2019-02-01 | 武汉百荣同辉网络科技有限公司 | A kind of method of payment and system based on mobile payment platform |
| CN109493023A (en) * | 2018-10-17 | 2019-03-19 | 珠海横琴现联盛科技发展有限公司 | Mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm |
| CN109493023B (en) * | 2018-10-17 | 2022-01-25 | 珠海横琴井通容智科技信息有限公司 | Mobile payment settlement method based on tamper-proof encryption algorithm |
| CN110517044A (en) * | 2019-09-02 | 2019-11-29 | 王嵘 | It is a kind of can under security system transaction funds safety transaction system |
| CN111489204A (en) * | 2020-04-16 | 2020-08-04 | 浙江同花顺智能科技有限公司 | Data processing method, device, equipment and storage medium |
| CN111489204B (en) * | 2020-04-16 | 2023-09-12 | 浙江同花顺智能科技有限公司 | Data processing method, device, equipment and storage medium |
| CN112734438A (en) * | 2021-01-11 | 2021-04-30 | 上海启匠信息技术有限公司 | Bulk transaction platform payment system and method based on union banking flash payment |
| CN117291587A (en) * | 2023-11-27 | 2023-12-26 | 福建超汇信息技术有限公司 | Mobile payment method and equipment thereof |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103854173A (en) | Mobile payment method for field shopping | |
| US11941595B2 (en) | Systems and methods for point of sale deposits | |
| US8712914B2 (en) | Method and system for facilitating micropayments in a financial transaction system | |
| KR102092238B1 (en) | Payment device with integrated chip | |
| EP3472782A1 (en) | Transaction flows and transaction processing for bridged payment systems | |
| US20160012428A1 (en) | Systems and methods for providing secure data transmission between networked computing systems | |
| US20150039455A1 (en) | Universal Interface Card Swipe Terminal Point of Sale System With Multiple Mobile Wallets/Payment Applications | |
| CN108027925B (en) | Card-free payment method and system using two-dimensional code | |
| US20140143037A1 (en) | Systems and methods to own a free computer, a free mobile device and a free wearable device and life time warranty via the same device payment cashback | |
| WO2015175756A1 (en) | Apparatus, system and method for beacon-enabled mobile pos | |
| US20140358783A1 (en) | Systems and methods of generating and processing payment transactions using alternate channels and payment mode | |
| CN104903926A (en) | Electronic wallet apparatus, method, and computer program product | |
| JP2016522925A (en) | Fraud detection by mobile devices that do not rely on the network | |
| AU2013245480A1 (en) | Dynamic point of sale system integrated with reader device | |
| US20230169478A1 (en) | Optical-scan triggered electronic funds transfer for purchase transaction | |
| CN109214815B (en) | System and method for accepting dual function payment credentials | |
| US20070100751A1 (en) | Method and system for processing and preventing credit card fraud in simultaneous remote wholesale exchange and local fullfillment of retail transactions by third party retailers | |
| KR102010013B1 (en) | Non-facing transaction and payment method, management server using virtual payment information | |
| CN105303695B (en) | A kind of cabinet face service equipment and its method of work | |
| KR100897498B1 (en) | Total finance service system in ubiquitous environment | |
| EP2575096A1 (en) | Transaction | |
| US11250455B2 (en) | Entity resource deployment and conversion system | |
| TWI668647B (en) | Contactless offline transaction method, seller device and buyer device | |
| US10743149B2 (en) | Systems and methods for checkout line utility payments | |
| EP2608139A1 (en) | Mobile device pay method |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20140611 |
|
| WD01 | Invention patent application deemed withdrawn after publication |