CN104217333A - Method of authentication and payment through mobile terminal, Internet and computer - Google Patents
Method of authentication and payment through mobile terminal, Internet and computer Download PDFInfo
- Publication number
- CN104217333A CN104217333A CN201410197685.3A CN201410197685A CN104217333A CN 104217333 A CN104217333 A CN 104217333A CN 201410197685 A CN201410197685 A CN 201410197685A CN 104217333 A CN104217333 A CN 104217333A
- Authority
- CN
- China
- Prior art keywords
- disburser
- collector
- account
- payment
- authentication code
- 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.)
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Classifications
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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]
-
- 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
Abstract
The invention provides a method of authentication and payment through a mobile terminal, Internet and a computer, belonging to the fields of mobile terminals, Internet and computer software technologies. For non-cash payment, firstly, account identities of involved parties are authenticated and a payment manner is affirmed, and secondly, transfer of funds is implemented. Through interactive authentication of a consumer, a payer (when the consumer is not the payer), a consumption provider, a payee (when the consumption provider is not the payee), a paying agent, a loaner and a payment system, transfer from a payer account to a payee account or a system intermediary protection account is implemented in the payment system, and the problem is solved. Non-cash payment tools, such as POS (Point Of Sale) machines, are not provided in many consuming places at present, and some non-cash payment tools cannot provide manners for authenticating the account identities of both parties and affirming the payment manner, and the method can provide a safer non-cash payment tool for consumption of the consumer in the places.
Description
Art
This method belongs to mobile terminal, internet and computer software technical field.It is by mobile terminal, internet and computer software technology, by consumer, disburser (during consumer non-pay person), consumption supplier, collector's when collector (consumption supplier non-), the person of paying out, Lombard and payment system interactive confirmation, for consumer spending provide can and the cashless payment method of the mutual certification of consumption supplier.
Technical background
First aspect much consumes place at present, and especially the consumption place of remote districts does not provide the cashless payment instruments such as POS to consumer spending.Consumer must pay down when consuming in these places.Consumer is away from home, and is not necessarily with sufficient cash.When short of cash, paying in cash not only can cause pays inconvenience, and can cause other trouble in consumption, can cause consuming unsuccessfully when serious.What thing was made the matter worse is that counterfeit money is becoming increasingly rampant, to using the threat that the cash consumption person structure of consumer demand is more and more serious.
The cashless payment instrument that second aspect consumption place provides now, except a few instruments such as POS can allowing consumer and the recessive certification of consumption supplier each other except account identity before paying, the method of certification account identity each other before other the means of payment do not provide and pay, only provide simple Instant Transfer, the oolong event easily causing disburser to pay to error account and fraud.
Along with mobile terminal, internet and computer technology fast development, especially smart mobile phone is universal, now for consumer spending provides the novel cashless payment instrument and consuming supplier's mutual certification account to become possibility.The present invention provides energy for consumer spending and consumes the safety of the mutual certification account of supplier, low cost, the novel cashless payment method of convenience and high-efficiency.
Summary of the invention
The present invention proposes following method of payment, provides and can consume supplier's mutual certification account cashless payment method to consumer spending
Disburser's (consumer oneself or consumer specify) is by this method payment function of the payment system client (hereinafter referred to as client) on computing machine or mobile terminal device (hereinafter referred to as terminal device) input collector's user name or account to backstage request authentication code (or the whatsoever call such as dynamic password, check code, transaction code), and backstage produces and also sends authentication code to collector's terminal device client and/or binding mobile phone; Or collector uses equipment (as binding mobile phone, scrambler etc.) certainly to produce authentication code (the whatsoever call such as dynamic password, handset token, check code, transaction code).Collector oneself (when collector be consumption supplier time) or by consume supplier inform disburser's (when disburser is consumer) or inform disburser's authentication code by consumer, disburser submits collector's user name or account and authentication code by disburser's terminal device client to backstage, after the authentication success of backstage, when the modes of payments be pay down and be not the payment of the disburser initiated by collector and collector needs to confirm to pay time, send to collector's terminal device client and/or binding mobile phone and confirm to remind, collector is confirmed to backstage by collector's terminal device client, backstage receives confirmation, the fund of disburser's account is given collector's account, receipt and payment successful information is sent to disburser and collector's terminal device client and/or binding mobile phone.
When disburser's terminal device is not binding mobile phone, when disburser is to backstage request authentication code, also need to background request second authentication code, backstage produces and binds mobile phone to disburser and sends the second authentication code; Or the equipment of use is from producing the second authentication code.Disburser to submit collector's user name or account and authentication code to by disburser's terminal device client during to backstage, submit the second authentication code to, for backstage in the lump certification simultaneously.
Accompanying drawing explanation
Accompanying drawing is this certification method of payment process flow diagram.
Numbering representative is as follows:
01 consumption supplier provides collector's account or user name, spending amount and possible authentication code to consumer
02 consumer provides collector's account or user name, spending amount and possible authentication code to disburser
03 disburser is to payment system request authentication code
04 payment system provides authentication code to collector
05 collector provides authentication code to consumption supplier
06 consumption supplier provides authentication code to consumer
07 consumer provides authentication code to disburser
08 disburser is to payment system request second authentication code
09 payment system provides the second authentication code to disburser
10 disbursers provide authentication code and the second possible authentication code to payment system, and request simultaneously pays or looks for people to pay out or payment of borrowing money
11 backstages send to the person of paying out the request of paying out or send to Lombard solicited message of making loans
12 persons' of paying out mandates are paid out or Lombard's mandate is made loans
13 payment system request collectors confirm
14 collectors confirm to payment system
15 payment systems are pointed out successfully to disburser
16 payment systems are pointed out successfully to collector
17 disbursers inform successfully to consumer
18 collectors inform successfully to consumption supplier
19 hand over intermediary's protection payment module to provide continuation payment processing capacity
When consumer is disburser, disburser and 02,07,17 does not exist
When consumption supplier is collector, collector and 05,18 does not exist
When collector uses equipment in time producing authentication code, 03,04,05,06,07 does not exist
When disburser use binding mobile-phone payment time or disburser use equipment from produce the second authentication code time, 08,09 does not exist
When disburser pays for oneself, 11,12 do not exist
When pay down, 19 do not exist
When intermediary's protection pays or collector does not need to confirm, 13,14 do not exist
Embodiment
One, disburser's (consumer oneself or consumer specify)
A. the payment system client (hereinafter referred to as client) on the computing machine opened by oneself or mobile terminal device (hereinafter referred to as terminal device), or the terminal device client logs function coming automatically to recall is connected by other channels (as electric business's webpage etc.), select in client after logging in the payment system background system (hereinafter referred to as backstage) of bank or Third-party payment platform or automatically select this method payment function
B. following five one is selected
1. disburser oneself (when disburser is consumer) or obtain collector in the account of payment system or the information such as user name, spending amount by manual type (oral or communication etc.) to consumption supplier by consumer, client this method payment function interface input collector in the account of payment system or the information such as user name, spending amount
2. when disburser is customer himself, the information such as account or user name of collector in payment system is read in by the electronics mode (scan or swipe the card) of terminal device client this method payment function, and be presented on this method payment function interface, do not provide the information such as spending amount as electronics mode after disburser checks, information such as consuming spending amount that supplier provides need be inputted
3. connected by other channel and to come and other channel provides and comprises collector when the account of payment system or the information such as user name, spending amount, collector is presented on this method payment function interface in the account of payment system or the information such as user name, spending amount automatically, disburser's cross-check information
4. connected by other channel and come and other channel account of not providing collector in payment system or user name but provide the out of Memory such as spending amount, the information such as spending amount are presented on this method payment function interface automatically, disburser oneself (when disburser is consumer) or obtain collector in the account of payment system or user name by manual type (oral or communication etc.) to consumption supplier by consumer, client this method payment function interface input collector in the account of payment system or user name
5. disburser's detail to be paid of being started by collector is inquired about by terminal device client this method query function, recall this method payment function interface by obligation detail, collector is presented on this method payment function interface automatically in the account of payment system or the information such as user name, spending amount
C. request looks for people to pay out: terminal device client this method payment function interface increases the input item of the person's of paying out account or user name, and disburser inputs.
D. request is borrowed money and is paid: terminal device client this method payment function interface increases the input item of Lombard's account or user name, and disburser inputs.
E. following alternative
1. collector uses backstage to produce authentication code, and disburser need provide authentication code on request backstage, client this method payment function interface, can repeatedly independent request authentication code on this method payment function interface
2. collector use equipment (as binding mobile phone, scrambler etc.) certainly produce authentication code (dynamic password, handset token etc.), collector oneself (when collector be consumption supplier) or by consume supplier inform (oral or other modes) disburser's (when disburser is consumer) or inform disburser's authentication code by consumer
F. terminal device is not binding mobile phone and uses backstage to produce the second authentication code, need provide the second authentication code, repeatedly can ask separately the second authentication code at this interface on request backstage, client this method payment function interface
Two, backstage
A. receiving disburser's terminal device client and need authentication code request, the collector's account provided according to disburser's terminal device client or user name, checking whether collector uses equipment from producing authentication code,
1. collector uses equipment from producing authentication code, then refuse
2. collector uses backstage to produce authentication code, checks whether collector has terminal device client logs, or leave binding cell-phone number in the essential information of account or user
A. collector does not have terminal device client logs, does not leave binding cell-phone number yet, then refuses
B. collector has terminal device client logs, or leaves binding cell-phone number, then
1) authentication code is produced
2) as needs record authentication code
A) as not having collector to be the authentication code record of collector's account or user name, create the authentication code record that a collector is collector's account or user name, authentication code, disburser does not consult this authentication code by client
B) if any collector be the authentication code record of collector's account or user name, amendment authentication code is the authentication code just produced
3) the terminal device client having logged in backstage to collector sends and comprises the information of disburser's account or user name, spending amount, authentication code and the modes of payments etc., reminds collector to provide authentication code to disburser.If collector's endless device clients logs in backstage, or collector system stay binding cell-phone number and binding cell-phone customer terminal do not log in backstage, and select to bind mobile phone reception authentication code, mobile phone need be bound to collector and send the note comprising disburser's account or user name, spending amount, authentication code and the modes of payments etc., remind collector to provide authentication code to disburser
4) send information to the disburser's terminal device client initiating this authentication code of request, remind disburser to obtain authentication code to collector
B. receiving the request that disburser's terminal device client needs the second authentication code, checking whether disburser uses equipment from producing the second authentication code,
1. disburser uses equipment from producing the second authentication code, then refuse
2. disburser uses backstage to produce the second authentication code, checks that whether disburser leaves binding cell-phone number in the essential information of its account or user
A. disburser does not leave binding cell-phone number, then refuse
B. disburser leaves binding cell-phone number
1) the second authentication code is produced
2) as needs record second authentication code
A) as not having disburser to be the second authentication code record of disburser's account or user name, the second authentication code record that a disburser is disburser's account or user name, the second authentication code is created
B) if any disburser be the second authentication code record of disburser's account or user name, revising the second authentication code is the second authentication code just produced
3) the binding cell-phone customer terminal having logged in client to disburser sends and comprises the information of collector's account or user name, spending amount, the second authentication code and the modes of payments etc., do not log in as disburser binds cell-phone customer terminal, bind mobile phone to disburser and send the note comprising collector's account or user name, spending amount, the second authentication code and the modes of payments etc.
Three, backstage is used to produce collector's (consumption supplier oneself or consumption supplier specify) of authentication code
A. terminal device client or binding mobile phone receive the information comprising authentication code or note sent on backstage, collector oneself (when collector be consumption supplier) or by consume supplier inform (oral or other modes) disburser's (when disburser is consumer) or inform disburser's authentication code by consumer
B. terminal device client or binding mobile phone do not receive the prompting message and note that comprise authentication code, collector oneself (when collector be consumption supplier) by consumption supplier inform disburser's (when disburser is consumer) or by consumer inform disburser can again request authentication code or no longer continue process
Four, disburser
A. authentication code is learnt
1. input authentication code on this method payment function interface of request authentication code
2. terminal device is not binding mobile phone and disburser uses backstage to produce the second authentication code
A. receive the second authentication code by binding cell-phone customer terminal or note, this method payment function interface of request second authentication code inputs the second authentication code
B. bind cell-phone customer terminal and do not receive the second authentication code, and binding mobile phone does not receive yet and comprises the second authentication code note, following one-out-three
1) on this method payment function interface of request second authentication code, the second authentication code is again asked
2) select binding cell-phone customer terminal again to initiate this method to pay
3) process is no longer continued
3. submit to authentication code and the second possible authentication code also to ask pay or look for people to pay out or payment of borrowing money by terminal device client to backstage
B. learn that the collector using backstage to produce authentication code does not receive authentication code, following alternative
1. request authentication code again on this method payment function interface of request authentication code
2. no longer continue process
Five, backstage
A. receive authentication code and the second possible authentication code that disburser's terminal device client provides, check authentication code and the second possible authentication code, after correct
1. when disburser looks for people to pay out, backstage creates that a disburser is disburser's account or user name, the person of paying out is the person's of paying out account or state is paid out in user name, spending amount etc. and request pays out detail (request pay out state certain hour after backstage automatically change closed condition), by the interaction of backstage with the person of paying out, the person of paying out authorizes to backstage and pays out
2. when disburser borrows money payment, the detail of making loans of state that backstage creates that a disburser is disburser's account or user name, Lombard is Lombard's account or user name, spending amount etc. and request are made loans (request make loans backstage after state certain hour automatically change closed condition), by the interaction of backstage and Lombard, Lombard authorizes to backstage and makes loans
3. when disburser selects pay down
A. when disburser is not that this method payment function of recalling of disburser's detail to be paid of being started by collector is paid, and when collector needs to confirm to pay 1) create that a disburser be disburser's account or user name, collector be collector's account or user name, spending amount etc. with ask the receipt and payment detail of acknowledgement state (after asking acknowledgement state certain hour, backstage changes closed condition automatically)
2) as looking for people to pay out, being disburser's account or user name by former disburser, the person of paying out is that the detailed request of paying out of the person's of paying out account or user name is paid out state and changed into and pay out licensing status (after paying out licensing status certain hour, backstage changes closed condition automatically)
3) as being borrow money to pay, being disburser's account or user name by former disburser, Lombard changes licensing status of making loans (after licensing status certain hour of making loans, backstage changes closed condition automatically) into for the detailed request state of making loans of making loans of Lombard's account or user name
4) the terminal device client having logged in backstage to collector sends and comprises the request confirmation of disburser's account or user name, spending amount and the modes of payments, if collector's endless device clients logs in backstage, or collector system stay binding cell-phone number and binding cell-phone customer terminal do not log in backstage, and select to bind mobile phone reception request confirmation, mobile phone need be bound to collector and send the request confirmation note comprising disburser's account or user name, spending amount and the modes of payments
5) start to disburser the terminal device client of concluding the business and the binding cell-phone customer terminal that may log in backstage to send the wait collector comprising collector's account or user name, spending amount etc. and confirm prompting message of collecting money
B. when disburser is that this method payment function that disburser's detail to be paid of being started by collector is recalled props up
Pay, or when collector does not need to confirm to pay
1) as paid by remaining sum, the fund of disburser's account is transferred to collector's account
2) as used quick payment, by shortcut, fund is transferred to collector's account
3) as with e-Bank payment, by Net silver mode, fund is transferred to collector's account
4) as with looking for people to pay out
A) fund of the person's of paying out account is transferred to collector's account
B) be disburser's account or user name by former disburser, the person of paying out is that the detailed request of paying out of the person's of paying out account or user name is paid out state and changed success status into
5) as paid with loaning bill
A) fund of Lombard's account is transferred to collector's account
B) be disburser's account or user name by former disburser, Lombard changes success status into for the detailed request state of making loans of making loans of Lombard's account or user name
6) as payment funding of originating with other, by other funds source mode, fund is transferred to collector's account
7) create that disburser be disburser's account or user name, collector is collector's account or user name, the receipt and payment detail of spending amount etc. and success status
8) the terminal device client having logged in backstage to collector sends and comprises the successful prompting message of instant gathering of disburser's account or user name, spending amount etc., if collector's endless device clients logs in backstage, or collector system stay binding cell-phone number and binding cell-phone customer terminal do not log in backstage, and select to bind the successful prompting message of the instant gathering of mobile phone reception, mobile phone need be bound to collector and send the successful reminding short message of instant gathering comprising disburser's account or user name, spending amount etc.
9) start the terminal device client of concluding the business and the binding cell-phone customer terminal that may log in backstage to send successful prompting message such as the pay down comprising collector's account or user name, spending amount etc. to disburser, if disburser leaves binding cell-phone number in system and binds cell-phone customer terminal do not log in backstage, mobile phone need be bound to disburser and send the pay down success reminding short message comprising collector's account or user name, spending amount etc.
10) coming as connected by other channel, returning pay down success to other channel
4. when disburser selects intermediary's protection to pay
A. as paid by remaining sum, the fund of disburser's account being transferred and protects to system intermediary protection account, transfer to intermediary to protect payment module to provide continuation payment processing capacity
B. as paid with quick, by shortcut fund being transferred and protecting to system intermediary protection account, transferring to intermediary to protect payment module to provide continuation payment processing capacity
C. as with e-Bank payment, by Net silver mode fund transferred and protect to system intermediary protection account, transfer to intermediary to protect payment module to provide continuation payment processing capacity
D. as with looking for people to pay out
1) fund of the person's of paying out account is transferred protection to system intermediary account protect, transfer to intermediary protect payment module continuation payment processing capacity is provided
2) be disburser's account or user name by former disburser, the person of paying out is the generation of the person's of paying out account or user name
Pay detailed request to pay out state and change success status into
E. as paid with borrowing money
1) fund of Lombard's account is transferred protection to system intermediary account protect, transfer to intermediary protect payment module continuation payment processing capacity is provided
2) be disburser's account or user name by former disburser, Lombard changes success status into for the detailed request state of making loans of making loans of Lombard's account or user name
F. as with other payment funding of originating, by other funds source mode fund transferred and protect to system intermediary protection account, transfer to intermediary to protect payment module to provide continuation payment processing capacity
G. create that disburser be disburser's account or user name, collector is collector's account or user name, the receipt and payment detail of spending amount etc. and intermediary's guard mode
H. the intermediary that the terminal device client transmission having logged in backstage to collector comprises disburser's account or user name, spending amount etc. protects the successful prompting message of gathering; if collector's endless device clients logs in backstage; or collector system stay binding cell-phone number and binding cell-phone customer terminal do not log in backstage; and select need bind mobile phone receive intermediary protection gathering successful prompting message, need to collector bind mobile phone send comprise disburser's account or user name, spending amount etc. intermediary protection gathering successful reminding short message
Intermediary's protection that the binding cell-phone customer terminal transmission of i. starting the terminal device client of this method payment transaction to disburser and may log in backstage comprises collector's account or user name, spending amount etc. pays successful prompting message; if disburser leaves binding cell-phone number in system and binds cell-phone customer terminal do not log in backstage, mobile phone need be bound to disburser and send the successful reminding short message of intermediary's protection payment comprising collector's account or user name, spending amount etc.
J. coming as connected by other channel, returning intermediary's protection to other channel and paying successfully.
Six, collector
A. terminal device client or binding mobile phone receive the request confirmation or note sent on backstage, as endless device clients logs in backstage, with terminal device client logs backstage
B. be the request acknowledgement state receipt and payment detail of collector's account or user name with terminal device client this method query function inquiry collector, check content, after correct, select to confirm to send to backstage
Seven, backstage
A. receive collector's terminal device client to confirm
B. as paid by remaining sum, the fund of disburser's account is transferred to collector's account
C. as paid with quick, by shortcut, fund is transferred to collector's account
D. as with e-Bank payment, by Net silver mode, fund is transferred to collector's account
E. as with looking for people to pay out
1. the fund of the person's of paying out account is transferred to collector's account
2. be disburser's account or user name by former disburser, the person of paying out is that the detailed licensing status of paying out of paying out of the person's of paying out account or user name changes success status into
F. as paid with borrowing money
1. the fund of Lombard's account is transferred to collector's account
2. be disburser's account or user name by former disburser, Lombard changes success status into for the detailed licensing status of making loans of making loans of Lombard's account or user name
G. as with other payment funding of originating, by other funds source mode, fund is transferred to collector's account
H. be disburser's account or user name by former disburser, collector is that the request of the receipt and payment detail of collector's account or user name confirms that state changes success status into
I. start the terminal device client of concluding the business and the binding cell-phone customer terminal that may log in backstage to send successful prompting message such as the pay down comprising collector's account or user name, spending amount etc. to disburser, if disburser leaves binding cell-phone number in system and binds cell-phone customer terminal do not log in backstage, mobile phone need be bound to disburser and send the pay down success reminding short message comprising collector's account or user name, spending amount etc.
J. the terminal device client confirming gathering is started to send the successful prompting message of instant gathering comprising disburser's account or user name, spending amount etc. to collector, if collector's endless device clients logs in backstage, or collector system stay binding cell-phone number and binding cell-phone customer terminal do not log in backstage, and select to bind the successful prompting message of the instant gathering of mobile phone reception, mobile phone need be bound to collector and send the successful reminding short message of instant gathering comprising disburser's account or user name, spending amount etc.
K. coming as connected by other channel, returning pay down success to other channel.
Claims (3)
1. by a certification method of payment for mobile terminal, internet and computing machine, it is characterized in that, described method comprises:
Disburser's (consumer oneself or consumer specify) is by this method payment function of the payment system client (hereinafter referred to as client) on computing machine or mobile terminal device (hereinafter referred to as terminal device) input collector's user name or account to backstage request authentication code (or the whatsoever call such as dynamic password, check code, transaction code), and described backstage produces and also sends described authentication code to described collector's terminal device client and/or binding mobile phone; Or collector uses equipment (as binding mobile phone, scrambler etc.) certainly to produce authentication code (or the whatsoever call such as dynamic password, handset token, check code, transaction code)
Described collector oneself (when described collector is consumption supplier) or informs described disburser (when described disburser is described consumer) by described consumption supplier or informs authentication code described in described disburser by described consumer
Described disburser to submit described collector's user name or account and described authentication code to, for the certification of described backstage by described disburser's terminal device client to described backstage.
2. certification method of payment as claimed in claim 1, is characterized in that, comprising: when described disburser's terminal device is not binding mobile phone
Described disburser, to described in described background request during authentication code, also needs to described background request second authentication code, and described backstage produces also binds mobile phone to described disburser and send described second authentication code; Or the equipment of use is from producing the second authentication code
Described disburser to submit described collector's user name or account and described authentication code to by described disburser's terminal device client during to described backstage, submit described second authentication code to, for the certification in the lump of described backstage simultaneously.
3. certification method of payment as claimed in claim 1, is characterized in that, comprising: when the modes of payments be pay down and be not the payment of the described disburser initiated by described collector and described collector needs to confirm to pay time
Send to described collector's terminal device client and/or binding mobile phone after the authentication success of described backstage and confirm to remind
Described collector is confirmed to described backstage by described collector's terminal device client
Described backstage receives described confirmation, and the fund of described disburser's account is given described collector's account, sends receipt and payment successful information to described disburser and described collector's terminal device client and/or binding mobile phone.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410197685.3A CN104217333A (en) | 2014-05-12 | 2014-05-12 | Method of authentication and payment through mobile terminal, Internet and computer |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410197685.3A CN104217333A (en) | 2014-05-12 | 2014-05-12 | Method of authentication and payment through mobile terminal, Internet and computer |
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| Publication Number | Publication Date |
|---|---|
| CN104217333A true CN104217333A (en) | 2014-12-17 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410197685.3A Pending CN104217333A (en) | 2014-05-12 | 2014-05-12 | Method of authentication and payment through mobile terminal, Internet and computer |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105787704A (en) * | 2016-03-01 | 2016-07-20 | 成都市泰象网络科技有限公司 | Internet consumption management system and method based on employment relationship |
| CN106537434A (en) * | 2015-05-26 | 2017-03-22 | Sk普兰尼特有限公司 | Proxy payment device and operation method therefor |
| CN109274726A (en) * | 2018-08-31 | 2019-01-25 | 阿里巴巴集团控股有限公司 | Binding, moving method and device calculate equipment and storage medium |
| CN112785309A (en) * | 2018-12-05 | 2021-05-11 | 创新先进技术有限公司 | Payment code generation method, payment code generation device, mobile payment method, mobile payment device and equipment |
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2014
- 2014-05-12 CN CN201410197685.3A patent/CN104217333A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106537434A (en) * | 2015-05-26 | 2017-03-22 | Sk普兰尼特有限公司 | Proxy payment device and operation method therefor |
| CN105787704A (en) * | 2016-03-01 | 2016-07-20 | 成都市泰象网络科技有限公司 | Internet consumption management system and method based on employment relationship |
| CN109274726A (en) * | 2018-08-31 | 2019-01-25 | 阿里巴巴集团控股有限公司 | Binding, moving method and device calculate equipment and storage medium |
| CN109274726B (en) * | 2018-08-31 | 2020-07-07 | 阿里巴巴集团控股有限公司 | Binding method, migration method, binding device, migration device, computing equipment and storage medium |
| CN112785309A (en) * | 2018-12-05 | 2021-05-11 | 创新先进技术有限公司 | Payment code generation method, payment code generation device, mobile payment method, mobile payment device and equipment |
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