CN104574060A - On-line payment method and system based on NFC token - Google Patents
On-line payment method and system based on NFC token Download PDFInfo
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- CN104574060A CN104574060A CN201510012699.8A CN201510012699A CN104574060A CN 104574060 A CN104574060 A CN 104574060A CN 201510012699 A CN201510012699 A CN 201510012699A CN 104574060 A CN104574060 A CN 104574060A
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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
- G06Q20/3278—RFID or NFC payments by means of 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
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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
- G06Q20/20—Point-of-sale [POS] network 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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Abstract
The invention discloses an on-line payment method and system based on an NFC token and relates to the field of information security. According to the on-line payment method and system based on the NFC token, a payment management platform client-side transmits payment information submitted by a user to the NFC token through an NFC interface; the NFC token automatically generates an answerback code according to user information, the payment information and a preset secret key; the NFC token transmits summarized information (including the answerback code, the user information and the payment information) back to the payment management platform client-side through the NFC interface; after the user confirms the summarized information, the payment management platform client-side uploads the summarized information to a payment management platform server-side, and the payment management platform server-side conducts identity confirmation and answerback code comparison, completes payment and settlement and feeds back a settlement receipt to the payment management platform client-side. By means of the method and system, on-line payment time is shortened, the security of traditional account-based on-line payment is enhanced, and user experience of on-line payment is improved.
Description
Technical field
The present invention relates to information security field, particularly relate to a kind of based on method of payment and system on the line of NFC token.
Background technology
When on line, the universal user of facilitating of payment platform does shopping, online payment flow process, facilitates the fast development of electric business, and the security that isochrone pays also becomes problem demanding prompt solution.
At present, line pays and main adopts a kind of based on the quick modes of payments of account's type, and based on the modes of payments of account's type, its security depends on the payment cipher corresponding to particular account.On line in payment process, general by mobile terminal (as smart mobile phone etc.) or computer input payment cipher, if and mobile terminal or computing machine are subject to the intrusion of wooden horse or hacker, then just there is the risk stolen by wooden horse or hacker in payment cipher; In addition, need user manually to input user name and payment cipher information during payment, need user's memory cipher information, use inconvenience, can Consumer's Experience be affected.
Summary of the invention
The object of the present invention is to provide a kind of based on method of payment and system on the line of NFC token, thus solve the foregoing problems existed in prior art.
To achieve these goals, the technical solution used in the present invention is as follows:
Based on a method of payment on the line of NFC token, comprise the following steps:
Step 101, the payment information that user submits to by payment management platform client is delivered to NFC token by the NFC interface of terminal device;
Step 102, described NFC token calculates answer back code according to described payment information;
Step 103, described NFC token, by the summary information of described answer back code, user profile and payment information, is sent to described payment management platform client by described NFC interface, if user confirms described summary information, then performs step 104; Otherwise prompting failure information also returns;
Step 104, the described summary information received is uploaded to payment management platform server end by described payment management platform client;
Step 105, described payment management platform server end carries out answer back code comparison, identity validation, payment and settlement according to described summary information, and clearing receipt is fed back to described payment management platform client.
Particularly, described payment management platform comprise financial institution and/or Third-party payment mechanism line on payment platform; Described terminal device comprises smart mobile phone, handheld POS, panel computer and/or ATM.
Wherein, step 101 specifically comprises:
Steps A 1, payment information, by purchasing article at electric business's platform, after gathering spending amount, is submitted to described payment management platform client and is paid by user;
Steps A 2, described payment management platform client by the display interface of terminal device prompting user by described NFC token near described terminal device, described NFC token with set up NFC signal between described terminal device and be connected;
Steps A 3, payment information is delivered to NFC token by the NFC interface of described terminal device by described payment management platform client;
Steps A 4, described NFC token receives described payment information.
Further, also comprise the steps: between step 101 and step 102
Step B1, described NFC token judges whether described payment information is equal to or greater than the threshold values of default described payment information, if described payment information is equal to or greater than described threshold values, then performs step B2-B3; If described payment information is less than described threshold values, then perform step B3;
Step B2, described NFC token prompting user inputs Password; Described NFC token is verified described Password receive the Password of user's input in Preset Time after, if described Password is correct, then performs step 102; If Password is incorrect, then points out failure information and return;
Step B3, described NFC token shows described payment information, and points out user to confirm described payment information, if described NFC token have received the confirmation of user's input in Preset Time, then performs step 102; If described NFC token does not receive the confirmation of user's input in Preset Time, then point out failure information and exit.
Wherein, in step 102, described calculating answer back code is specially, and calculates and generates answer back code, or calculate generation answer back code according to preset key and event factor according to preset key and time factor.
Wherein, in step 102, described calculating answer back code is specially, from described payment information, obtain challenging value, calculates generate answer back code according to described challenging value, preset key and event factor.
Wherein, in step 102, described calculating answer back code is specially, and obtains challenging value in accounts information preset from described payment information and described NFC token, calculates generate answer back code according to described challenging value, preset key, event factor and time factor.
Wherein, in step 102, described calculating answer back code is specially, and obtains challenging value in accounts information preset from described payment information and described NFC token, calculates generate answer back code according to described challenging value, preset key and time factor.
Wherein, step 103 specifically comprises:
Step C1, described NFC token gathers answer back code, user profile, the payment information of generation, generates summary information;
Step C2, described summary information is sent to described payment management platform client by NFC interface by described NFC token, simultaneously described NFC token display data transmissions information;
Step C3, after described payment management platform client receives the summary information of described NFC token transmission, described payment management platform client display answer back code and user profile, and point out user to confirm, if described payment management platform client receives the confirmation of user's input in Preset Time, then perform step 104, otherwise prompting failure information also returns.
A kind of based on payment system on the line of NFC token, comprise: NFC token, terminal device and payment management platform server end, described NFC token comprises dynamic token and NFC induction of signal module, described terminal device is provided with NFC interface and payment management platform client, described dynamic token is connected with described NFC induction of signal module data, described NFC induction of signal module and described NFC interface data cube computation, described NFC interface is connected with described payment management platform client data, described payment management platform client is connected with described payment management platform servers' data.
The invention has the beneficial effects as follows: in the embodiment of the present invention, the payment information that user submits to by payment management platform client is delivered to NFC token by NFC interface, NFC token is according to user profile, payment information and preset key generate answer back code automatically, information after gathering (is comprised answer back code by NFC token, user profile, payment information) pass back to payment management platform client by NFC interface, after user confirms summary information, summary information is uploaded to payment management platform server end by payment management platform client, carry out identity validation, answer back code comparison, complete payment and settlement, and clearing receipt is fed back to payment management platform client.Utilize the method and system that the embodiment of the present invention provides, not only shorten the time of payment on line, enhance tradition based on the security that account molded line pays, and improve the Consumer's Experience that line pays.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet based on method of payment on the line of NFC token that the embodiment of the present invention provides;
Fig. 2 is the structural representation based on payment system on the line of NFC token that the embodiment of the present invention provides.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearly understand, below in conjunction with accompanying drawing, the present invention is further elaborated.Should be appreciated that embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
Near-field communication (NFC) is developed by non-contact radio-frequency identification (RFID), it is a kind of radiotelegraphy of short distance high frequency, be operated in 13.56MHz frequency, NFC supports that card reader, snap gauge are intended, point-to-point three kinds of mode of operations, relative to other non-contact communication technology, there is better security, be considered to, in mobile payment field, there is larger application prospect.
Along with supporting the universal of NFC function terminal device, the present invention proposes the modes of payments on a kind of line being realized paying strategy based on account's type by NFC token.
As shown in Figure 1, embodiments provide a kind of based on method of payment on the line of NFC token, comprise the following steps:
Step 101, the payment information that user submits to by payment management platform client is delivered to NFC token by the NFC interface of terminal device;
Step 102, described NFC token calculates answer back code according to described payment information;
Step 103, described NFC token, by the summary information of described answer back code, user profile and payment information, is sent to described payment management platform client by described NFC interface, if user confirms described summary information, then performs step 104; Otherwise prompting failure information also returns;
Step 104, the described summary information received is uploaded to payment management platform server end by described payment management platform client;
Step 105, described payment management platform server end carries out answer back code comparison, identity validation, payment and settlement according to described summary information, and clearing receipt is fed back to described payment management platform client.
The present embodiment provide based on method of payment on the line of NFC token, be by supporting the terminal device of NFC function and supporting to carry out data interaction realization between the dynamic token of NFC function.Specific implementation process is, is provided with NFC interface on the terminal device, for receiving and dispatching NFC signal, meanwhile, can run payment management platform client on the terminal device, can carry out data interaction between NFC interface and payment management platform client.
Support can comprise dynamic token and NFC induction of signal module in the dynamic token of NFC function, NFC induction of signal module can respond to the NFC signal that NFC interface sends, NFC induction of signal module and dynamic token data cube computation, be sent to dynamic token by the NFC signal received simultaneously.
Adopt in the present embodiment based on method of payment on the line of NFC token, on the one hand, for user's manual confirmation on the display screen that payment information is presented at NFC token, so payment information can avoid the risk of being stolen by wooden horse or hacker or distorting; On the other hand, NFC token calculates answer back code according to built-in key, payment information, time factor etc., complete and identification between Verification System, and without the need to by mobile terminal (as smart mobile phone etc.) or computer input payment cipher, prevent the risk that identity is tampered; In addition, between NFC token and terminal device, realized the wireless transmission of data by NFC interface, effectively alleviate manual input element loaded down with trivial details when user uses, promote Consumer's Experience.Therefore, the embodiment of the present invention provide based on method of payment on the line of NFC token, not only shorten on line the time of payment, enhance tradition based on the security that account molded line pays, and improve the Consumer's Experience that line pays.
In the embodiment of the present invention, payment platform on the line that described payment management platform comprises financial institution and/or Third-party payment mechanism; Described terminal device comprises smart mobile phone, handheld POS, panel computer and/or ATM.
In the embodiment of the present invention, step 101 specifically comprises:
Steps A 1, payment information, by purchasing article at electric business's platform, after gathering spending amount, is submitted to described payment management platform client and is paid by user;
Steps A 2, described payment management platform client by the display interface of terminal device prompting user by described NFC token near described terminal device, described NFC token with set up NFC signal between described terminal device and be connected;
Steps A 3, payment information is delivered to NFC token by the NFC interface of described terminal device by described payment management platform client;
Steps A 4, described NFC token receives described payment information.
In the embodiment of the present invention, also comprise the steps: between step 101 and step 102
Step B1, described NFC token judges whether described payment information is equal to or greater than the threshold values of default described payment information, if described payment information is equal to or greater than described threshold values, then performs step B2-B3; If described payment information is less than described threshold values, then perform step B3;
Step B2, described NFC token prompting user inputs Password; Described NFC token is verified described Password receive the Password of user's input in Preset Time after, if described Password is correct, then performs step 102; If Password is incorrect, then points out failure information and return;
Step B3, described NFC token shows described payment information, and points out user to confirm described payment information, if described NFC token have received the confirmation of user's input in Preset Time, then performs step 102; If described NFC token does not receive the confirmation of user's input in Preset Time, then point out failure information and exit.
In the embodiment of the present invention, the object presetting the threshold values of payment information takes into account convenience and the security of payment, when payment is less, for improving the agility paid, can input Password without user; Otherwise prompting user inputs Password.
In the embodiment of the present invention, by Preset Time, and judge whether user confirms information in Preset Time, the security of on-line payment can be improved, user can be avoided not input for a long time simultaneously, the situation that system report time-out is made mistakes.
In the embodiment of the present invention, in step 102, described calculating answer back code is specifically as follows, and calculates generate answer back code according to preset key and event factor; Or, calculate according to preset key and time factor and generate answer back code; Or, obtain challenging value from described payment information after, calculate according to described challenging value, preset key and event factor and generate answer back code; Or, after obtaining challenging value in accounts information preset from described payment information and described NFC token, calculate according to described challenging value, preset key, event factor and time factor and generate answer back code; Or, after obtaining challenging value in accounts information preset from described payment information and described NFC token, calculate according to described challenging value, preset key and time factor and generate answer back code.
In the embodiment of the present invention, step 103 specifically comprises:
Step C1, described NFC token gathers answer back code, user profile, the payment information of generation, generates summary information;
Step C2, described summary information is sent to described payment management platform client by NFC interface by described NFC token, simultaneously described NFC token display data transmissions information;
Step C3, after described payment management platform client receives the summary information of described NFC token transmission, described payment management platform client display answer back code and user profile, and point out user to confirm, if described payment management platform client receives the confirmation of user's input in Preset Time, then perform step 104, otherwise prompting failure information also returns.
As shown in Figure 2, embodiments provide a kind of based on payment system on the line of NFC token, comprise: NFC token, terminal device and payment management platform server end, described NFC token comprises dynamic token and NFC induction of signal module, described terminal device is provided with NFC interface and payment management platform client, described dynamic token is connected with described NFC induction of signal module data, described NFC induction of signal module and described NFC interface data cube computation, described NFC interface is connected with described payment management platform client data, described payment management platform client is connected with described payment management platform servers' data.
The course of work of this system as the embodiment of the present invention provide based on method of payment on the line of NFC token.
By adopting technique scheme disclosed by the invention, obtain effect useful as follows: in the embodiment of the present invention, the payment information that user submits to by payment management platform client is delivered to NFC token by NFC interface, NFC token is according to user profile, payment information and preset key generate answer back code automatically, information after gathering (is comprised answer back code by NFC token, user profile, payment information) pass back to payment management platform client by NFC interface, after user confirms summary information, summary information is uploaded to payment management platform server end by payment management platform client, carry out identity validation, answer back code comparison, complete payment and settlement, and clearing receipt is fed back to payment management platform client.Method and system disclosed by the invention, on the one hand, for user's manual confirmation on the display screen that payment information is presented at NFC token, so payment information can avoid the risk of being stolen by wooden horse or hacker or distorting; On the other hand, NFC token calculates answer back code according to built-in key, payment information, time factor etc., complete and identification between Verification System, and without the need to by mobile terminal (as smart mobile phone etc.) or computer input payment cipher, prevent the risk that identity is tampered; In addition, between NFC token and terminal device, realized the wireless transmission of data by NFC interface, effectively alleviate manual input element loaded down with trivial details when user uses, promote Consumer's Experience.In sum, the embodiment of the present invention provide based on method of payment and system on the line of NFC token, not only shorten on line the time of payment, enhance tradition based on the security that account molded line pays, and improve the Consumer's Experience that line pays.
Each embodiment in this instructions all adopts the mode of going forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar part mutually see.
Those skilled in the art it should be understood that the sequential of the method step that above-described embodiment provides can carry out accommodation according to actual conditions, also can carry out according to actual conditions are concurrent.
The hardware that all or part of step in the method that above-described embodiment relates to can carry out instruction relevant by program has come, described program can be stored in the storage medium that computer equipment can read, for performing all or part of step described in the various embodiments described above method.Described computer equipment, such as: personal computer, server, the network equipment, intelligent mobile terminal, intelligent home device, wearable intelligent equipment, vehicle intelligent equipment etc.; Described storage medium, such as: the storage of RAM, ROM, magnetic disc, tape, CD, flash memory, USB flash disk, portable hard drive, storage card, memory stick, the webserver, network cloud storage etc.
Finally, also it should be noted that, in this article, the such as relational terms of first and second grades and so on is only used for an entity or operation to separate with another entity or operational zone, and not necessarily requires or imply the relation that there is any this reality between these entities or operation or sequentially.And, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, thus make to comprise the process of a series of key element, method, commodity or equipment and not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise by the intrinsic key element of this process, method, commodity or equipment.When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, commodity or the equipment comprising described key element and also there is other identical element.
The above is only the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the premise without departing from the principles of the invention; can also make some improvements and modifications, these improvements and modifications also should look protection scope of the present invention.
Claims (10)
1., based on a method of payment on the line of NFC token, it is characterized in that, comprise the following steps:
Step 101, the payment information that user submits to by payment management platform client is delivered to NFC token by the NFC interface of terminal device;
Step 102, described NFC token calculates answer back code according to described payment information;
Step 103, described NFC token, by the summary information of described answer back code, user profile and payment information, is sent to described payment management platform client by described NFC interface, if user confirms described summary information, then performs step 104; Otherwise prompting failure information also returns;
Step 104, the described summary information received is uploaded to payment management platform server end by described payment management platform client;
Step 105, described payment management platform server end carries out answer back code comparison, identity validation, payment and settlement according to described summary information, and clearing receipt is fed back to described payment management platform client.
2. as claimed in claim 1 based on method of payment on the line of NFC token, it is characterized in that, payment platform on the line that described payment management platform comprises financial institution and/or Third-party payment mechanism; Described terminal device comprises smart mobile phone, handheld POS, panel computer and/or ATM.
3. as claimed in claim 1 based on method of payment on the line of NFC token, it is characterized in that, step 101 specifically comprises:
Steps A 1, payment information, by purchasing article at electric business's platform, after gathering spending amount, is submitted to described payment management platform client and is paid by user;
Steps A 2, described payment management platform client by the display interface of terminal device prompting user by described NFC token near described terminal device, described NFC token with set up NFC signal between described terminal device and be connected;
Steps A 3, payment information is delivered to NFC token by the NFC interface of described terminal device by described payment management platform client;
Steps A 4, described NFC token receives described payment information.
4. as claimed in claim 1 based on method of payment on the line of NFC token, it is characterized in that, also comprise the steps: between step 101 and step 102
Step B1, described NFC token judges whether described payment information is equal to or greater than the threshold values of default described payment information, if described payment information is equal to or greater than described threshold values, then performs step B2-B3; If described payment information is less than described threshold values, then perform step B3;
Step B2, described NFC token prompting user inputs Password; Described NFC token is verified described Password receive the Password of user's input in Preset Time after, if described Password is correct, then performs step 102; If Password is incorrect, then points out failure information and return;
Step B3, described NFC token shows described payment information, and points out user to confirm described payment information, if described NFC token have received the confirmation of user's input in Preset Time, then performs step 102; If described NFC token does not receive the confirmation of user's input in Preset Time, then point out failure information and exit.
5. as claimed in claim 1 based on method of payment on the line of NFC token, it is characterized in that, in step 102, described calculating answer back code is specially, calculate according to preset key and time factor and generate answer back code, or calculate generation answer back code according to preset key and event factor.
6. as claimed in claim 1 based on method of payment on the line of NFC token, it is characterized in that, in step 102, described calculating answer back code is specially, from described payment information, obtain challenging value, calculate according to described challenging value, preset key and event factor and generate answer back code.
7. as claimed in claim 1 based on method of payment on the line of NFC token, it is characterized in that, in step 102, described calculating answer back code is specially, obtain challenging value in accounts information preset from described payment information and described NFC token, calculate according to described challenging value, preset key, event factor and time factor and generate answer back code.
8. as claimed in claim 1 based on method of payment on the line of NFC token, it is characterized in that, in step 102, described calculating answer back code is specially, obtain challenging value in accounts information preset from described payment information and described NFC token, calculate according to described challenging value, preset key and time factor and generate answer back code.
9. as claimed in claim 1 based on method of payment on the line of NFC token, it is characterized in that, step 103 specifically comprises:
Step C1, described NFC token gathers answer back code, user profile, the payment information of generation, generates summary information;
Step C2, described summary information is sent to described payment management platform client by NFC interface by described NFC token, simultaneously described NFC token display data transmissions information;
Step C3, after described payment management platform client receives the summary information of described NFC token transmission, described payment management platform client display answer back code and user profile, and point out user to confirm, if described payment management platform client receives the confirmation of user's input in Preset Time, then perform step 104, otherwise prompting failure information also returns.
10. one kind based on payment system on the line of NFC token, it is characterized in that, comprise: NFC token, terminal device and payment management platform server end, described NFC token comprises dynamic token and NFC induction of signal module, described terminal device is provided with NFC interface and payment management platform client, described dynamic token is connected with described NFC induction of signal module data, described NFC induction of signal module and described NFC interface data cube computation, described NFC interface is connected with described payment management platform client data, described payment management platform client is connected with described payment management platform servers' data.
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| CN105447687A (en) * | 2015-06-30 | 2016-03-30 | 上海易码信息科技有限公司 | Online to offline mobile payment method |
| CN107851249A (en) * | 2015-07-22 | 2018-03-27 | 万事达卡国际股份有限公司 | Multi-mode payment system and method |
| CN106056378A (en) * | 2016-05-26 | 2016-10-26 | 福建联迪商用设备有限公司 | Anti-fake method and system of electronic payment terminal |
| CN106251140A (en) * | 2016-08-02 | 2016-12-21 | 中国银联股份有限公司 | Method of payment, payment application system and payment system |
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