CN105741101A - Method for realizing mobile credit granting and mobile transaction on credit based on mobile portable equipment - Google Patents
Method for realizing mobile credit granting and mobile transaction on credit based on mobile portable equipment Download PDFInfo
- Publication number
- CN105741101A CN105741101A CN201610037040.2A CN201610037040A CN105741101A CN 105741101 A CN105741101 A CN 105741101A CN 201610037040 A CN201610037040 A CN 201610037040A CN 105741101 A CN105741101 A CN 105741101A
- Authority
- CN
- China
- Prior art keywords
- credit
- consumer
- portable equipment
- mobile portable
- transaction
- 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
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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- 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
- G06Q20/38—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
- G06Q20/4012—Verifying personal identification numbers [PIN]
-
- 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
- G06Q20/40—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
- G06Q20/409—Device specific authentication in transaction processing
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 Security & Cryptography (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The invention designs a system for mobile credit granting and mobile transaction on credit based on mobile portable equipment. As shown in the appended drawings, the system comprises the following functions: a consumer user quickly submits personal information through mobile portable equipment; the system verifies the authenticity of the information submitted by the user; the system analyzes the user data of which the authenticity is confirmed, grants credit quickly, and feeds the result back to the mobile portable equipment terminal of the user in real time; the consumer uses the mobile portable equipment to directly purchase goods from a merchant on credit at a consumption site; and the user can pay money back to the merchant through the mobile portable equipment before the expiration date of the transaction on credit. The system designed by the invention provides convenient and quick mobile credit granting experience for consumers, and provides a novel transaction mode in which merchants can directly sell goods to users on credit.
Description
Technical field
The present invention relates on the internet to consumer's credit the system buying on credit consumer sale in the accrediting amount, particularly to using Mobile portable equipment gather information and completing quick credit, brining consumption scene under line together uses the mobile transaction bought on credit to reach, and to the system that the gathering that expires is managed.
Background technology
For a long time, because not having a kind of standard and the credit evaluation system to ordinary consumer facilitating businessman to use, businessman is for averting risks, and ordinary consumer is all direct clearing by businessman, and no credit is given.
After bank card occurs, consumer can use the credit card issued by bank's credit to consume in the businessman supporting bankcard consumption.But this credit pattern needs user to fill in a large amount of form, a large amount of personal information is provided, and need after submission information to wait bank's manual examination and verification, just can know credit result after extended periods, convenience degree is poor with Consumer's Experience, and its trade mode is really due from bank for user, and non-immediate businessman is bought on credit.
On the other hand, development along with ecommerce, occur in that Formica fusca flower, Jingdone district informal voucher this rely on user on its platform historical trading data analysis and carry out credit evaluation product occur, its credit source needs to rely on the transaction data that user is long-term, new user application is opened and is also required to long period examination & verification, cannot accomplish under concrete consumption scene, open acquisition credit at any time and carry out buying on credit consumption at once.
Consumption place at some top grades, held situation that is short of cash or that fail to carry the enough credit cards of spending limit due to spending amount often bigger consumer often to occur, it is easily caused the generation of difficult situation, even if now consumer self enjoys a good reputation, also without real-time businessman's enough credit of offer is proved of enough quick ways, and complete credit payment whereby.
Summary of the invention
In order to eliminate above-mentioned inconvenience, it is an object of the invention to utilize existing technology, allow consumer can use the personal information that Mobile portable terminal is submitted to whenever and wherever possible by the means of science, credit is enable to complete whenever and wherever possible, add the convenience of credit, shorten the credit time, make credit process be become simple and quick by complexity.Present invention also offers simultaneously and a kind of use Mobile portable equipment to make businessman can consumer directly be bought on credit, buy on credit expire before the business model refunded to businessman of consumer.
The quick credit system realized by Mobile portable equipment includes following function:
Consumer's personal information submits function to, consumer can use Mobile portable equipment to pass through the Internet to submit to personal information to apply for credit in system online, and consumer-user needs only provide for less key message, such as name, ID (identity number) card No., phone number.There is provided great convenience to consumer-user, also can complete credit by key message to consumer simultaneously.
Identification verification function, after receiving the personal information that consumer-user submits to, personal information packing is submitted to certification authority to carry out real-name authentication by system, if passing through certification, then this user profile can enter credit module and carries out credit calculating, if not authenticated, then in real time error message is fed back to user terminal；
Real-time credit function, the personal information that consumer-user submits to is by after real-name authentication, and the personal information of user will be analyzed calculating by system, and feeds back to user terminal during by the credit fructufy calculated；
The system of buying on credit being completed transaction by Mobile portable equipment includes following function:
Buy (or sell) on credit brush function, consumer is after supporting businessman to complete consumption, businessman inputs spending amount in systems and generates payment Quick Response Code, consumer uses Mobile portable equipment (such as smart mobile phone) to confirm the sequence informations such as spending amount after scanning this Quick Response Code, submits to and namely complete credit transaction after confirmation.
Notification module, after consumer completes credit transaction, before the repayment date that expires, system proactive notification consumer can pay remittance for the proceeds to businessman at the date of maturity；Exceed the time limit refund not yet time, system Ye Hui proactive notification consumer returns in time businessman and buys on credit bill.
Refund function, consumer can pass through this function, actively gives back businessman and buy on credit fund before at the date of maturity, or after exceeding the time limit, actively give back to exceed the time limit and should go back principal and interest；After consumer refunds, this fund is proceeded to Merchant Account by system；
Exceeding the time limit process function, consumer exceeds the time limit and does not give back businessman and buy on credit fund, and system will carry out the process that exceeds the time limit, and calculate default interest of exceeding the time limit every day according to the interest rate of agreement, and call notification module notice consumer refunds in time simultaneously.
Accompanying drawing explanation
Fig. 1: mobile credit detail flowchart
Step is 1.: consumer-user uses Mobile portable equipment to submit to the page that personal information is submitted to platform in the personal information of system；
Step is 2.: after platform receives consumer-user's identity information, is sent by personally identifiable information in real time to third party authentication mechanism and carries out authentication；
Step is 3.: third party authentication mechanism by identity authentication result Real-time Feedback to platform；
Step is 4.: if authentication does not pass through, authentication result is fed back to consumer-user's terminal by system in real time, and consumer is optional re-enters user profile；
Step is 5.: if authentication is passed through, and system will be directed into the accrediting amount and calculates；
Step is 6.: the personal information of user will be analyzed calculating by system, and feeds back to user terminal during by the credit fructufy calculated.
Fig. 2: move and buy on credit detail flowchart
Step is 1.: consumer uses in consumption field requirement and mobile buys on credit clearing；
Step is 2.: businessman logs in mobile system of buying on credit, and starts and buys (or sell) on credit brush function；
Step is 3.: consumer logs in mobile system of buying on credit, and starts and buys (or sell) on credit brush function；
Step is 4.: businessman, buying (or sell) on credit brush function pages input spending amount, generates order Quick Response Code；
Step is 5.: consumer uses buys (or sell) on credit sweeping of brush function and sweep function, and the Quick Response Code that scanning businessman generates obtains order transaction information；
Step is 6.: sequence information is checked by consumer, if be not inconsistent with real consumption, consumer can select to cancel an order, and after cancellation, businessman can re-enter the amount of money and again generates Quick Response Code and confirm for consumer scans；
Step is 7.: password confirming sequence information is checked and inputted in consumer, and after confirmation, this order comes into force, and in this sequence information of platform record；
Step is 8.: after order comes into force, consumer at the date of maturity before can select at any time to refund to businessman, it is also possible to refunded again the same day at the date of maturity；
Step is 9.: if consumer at the date of maturity before select to refund to businessman, this refund is automatically brought to Merchant Account by system, and this order transaction completes simultaneously；
Step is 10.: if consumer at the date of maturity before do not refund to businessman, system will at the date of maturity before call notification functions of modules, notify to refund before consumer alert is at the date of maturity, it is to avoid bring various loss because exceeding the time limit to consumer；
Step: after platform is refunded by system proactive notification consumer, consumer can select to refund to businessman at any time, it is also possible to refunded the same day at the date of maturity again；
StepIf: consumer after notifications, before the Expiration Date or same day Expiration Date select refund to businessman, system forwards this refund to Merchant Account, and this order transaction completes simultaneously；
Step: if consumer remains without refund at the date of maturity afterwards to businessman, system will carry out the process that exceeds the time limit, and by this hand marker for exceeding the time limit, start to calculate default interest according to agreement default rate, and notify that client gives back this lapsed appropriation as early as possible, the accrediting amount of this client is adjusted simultaneously；
Step: consumer can also select at any time to refund to businessman after exceeding the time limit,
Step: after lapsed appropriation is given back by consumer, businessman's bill and account receivable that consumer is given back by platform automatically proceeds to Merchant Account, and this order terminates.
Detailed description of the invention
With lower part in conjunction with instantiation, the mobile credit based on Mobile portable equipment involved in the present invention is described in more detail with the mobile method that realizes bought on credit.Meanwhile, system involved in the present invention not only comprises mode listed by this example, it is possible to realize with any one mode comprised illustrated by claims.
Now undertaken buying on credit by the method for the present invention with use mobile phone after the meal for consumer in restaurant.
One consumer not registered in systems has entered the restaurant originally buying on credit system with after the meal at one, wants that when checkout selecting use to buy on credit consumption pattern settles accounts.Consumer need to use the smart mobile phone that can scan Quick Response Code to log in native system, clicks registration button, enters user's enrollment page, input handset number, arranges and namely enters the details submission page after logging in password.
Consumer submits the page input information such as Real Name and ID (identity number) card No. in details, after submission, system carries out real-name authentication, certification does not pass through then to field feedback, user can re-enter and submit to, namely certification carries out accrediting amount calculating by rear system, and by the mobile phone feeding back to user real-time for result of calculation, now consumer can use mobile phone to carry out buying on credit consumption in this businessman, buying on credit ceiling is the accrediting amount that system-computed goes out.
After now businessman uses smart mobile phone login account, click is bought (or sell) on credit brush entrance and is bought on credit interface, generates, after input spending amount, the Quick Response Code comprising this consumption information.After consumer logs into native system by smart mobile phone, click " buying (or sell) on credit brush " button, after the Quick Response Code of scanning businessman mobile phone interface, the details of this order will be shown, if consumer checks that sequence information is wrong, optional this order of cancellation, businessman can re-enter amount of money generation Quick Response Code and again scan for consumer, after consumer confirms, input login password can be bought on credit successfully, and this pen is bought on credit bill and come into force.
After consumer buys on credit successful validation, details and the refund state of this order all login system can be checked by consumer and businessman.Consumer can at the date of maturity before select at any time to refund to businessman, it is also possible to actively refunded again the same day at the date of maturity.Before at the date of maturity, the notification module of system can send information alert user to consumer and refund in time.
Consumer can log in, by smart mobile phone, system of originally buying on credit, the refund function interface entering native system is bought on credit in the bill page, clicking " I to refund " button, select the order to refund, after confirmation, consumer is namely optional completes to pay from personal bank card or use Third-party payment instrument.After consumer refunds, consumer is refunded and proceeds to Merchant Account by system, and this pen is bought on credit order transaction and completed.
If in the payback period to after date, consumer remains without refund, then system start-up exceeds the time limit process program, calculates default interest every day according to the default rate of agreement, simultaneously notice consumer give back as early as possible exceeded the time limit buy on credit bill.After lapsed appropriation is given back by consumer, consumer is refunded and proceeds to Merchant Account by system, and this pen is bought on credit order transaction and completed.
Claims (7)
1. the present invention comprises two subsystems: the quick credit system realized by Mobile portable equipment；By Mobile portable equipment complete transaction buy on credit system.
2. the quick credit system realized by Mobile portable equipment as claimed in claim 1, this system includes: data submits module to: use Mobile portable equipment to submit personal information application credit online to by the Internet for consumer；Authentication module: the identity information completing consumer is submitted to by the Internet for system verifies in real time, and in real time the result is fed back to consumer end；Real-time credit module: calculate the accrediting amount for system according to consumer information, and in real time credit result is fed back to consumer end.
3. credit system as claimed in claim 2, comprises the following steps:
Step 1: consumer uses Mobile portable equipment to submit personal information application credit online to by the Internet；
Step 2: the personal information that system real-time verification consumer provides, and result is fed back to consumer end；
Step 3: system calculates the accrediting amount of consumer in real time, and result is fed back to consumer end.
4. the credit system as described in claim 2 to 3, its feature includes:
Consumer submits to the terminal that personal information uses to be Mobile portable equipment；The information that consumer submits to includes identity card, name, phone number etc.；Consumer is fed back to during the fructufy that identity reality is verified；The accrediting amount calculates in real time, and feeds back to consumer during by fructufy.
5. as claimed in claim 1 buying on credit system by what Mobile portable equipment completed transaction, be based on the accrediting amount of credit system calculating described in right 2 to 4, consumer carries out buying on credit consumption within the scope of the accrediting amount, and this system includes:
Buy (or sell) on credit brush module: directly buy on credit for B to C under concrete consumption scene；
Notification module: be used for notifying that consumer is refunded to businessman by Mobile portable equipment；
Refund module: use Mobile portable equipment to refund for consumer；
Exceed the time limit processing module: buying on credit, for processing consumer, the transaction that after date is not refunded.
6. buy on credit system as claimed in claim 5, comprise the following steps:
Step 1: businessman uses Mobile portable equipment to input the amount of money on the page and generates credit transaction Quick Response Code；
Step 2: consumer uses Mobile portable equipment to scan the Quick Response Code of businessman；
Step 3: consumer confirms dealing money and submits to, completes credit transaction；
Step 4: before buying on credit the refund that expires, notice consumer refunds on time；
Step 5: consumer can use Mobile portable equipment to refund voluntarily before buying on credit the Expiration Date；
Step 6: after consumer refunds, system puts fund under Merchant Account；
Step 7: consumer does not refund buying on credit after date, proceeds to the process that exceeds the time limit.
7. buying on credit system as described in claim 5 to 6, its feature includes:
Consumer completes credit transaction by Mobile portable equipment: businessman and consumer are all operated on Mobile portable equipment, and businessman arranges sequence information and generates Quick Response Code, and consumer scans's Quick Response Code has confirmed transaction；
In credit transaction, system is only used as the means of payment and exchange intermediary to be existed, not as the debt-credit in credit transaction either party；
The bank card account that consumer can pass through to bind directly is refunded, it is also possible to after supplementing platform account with money by the bank account bound, and platform is drawn account and refunded；Consumer's redrawing funds is transferred to Merchant Account by system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610037040.2A CN105741101A (en) | 2016-01-21 | 2016-01-21 | Method for realizing mobile credit granting and mobile transaction on credit based on mobile portable equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610037040.2A CN105741101A (en) | 2016-01-21 | 2016-01-21 | Method for realizing mobile credit granting and mobile transaction on credit based on mobile portable equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105741101A true CN105741101A (en) | 2016-07-06 |
Family
ID=56246362
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610037040.2A Pending CN105741101A (en) | 2016-01-21 | 2016-01-21 | Method for realizing mobile credit granting and mobile transaction on credit based on mobile portable equipment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105741101A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105761061A (en) * | 2016-01-27 | 2016-07-13 | 北京几币几网络科技有限公司 | Distributed point-to-point open account system realization method |
| CN106656839A (en) * | 2016-10-20 | 2017-05-10 | 财付通支付科技有限公司 | Resource transfer method and apparatus |
| CN107123031A (en) * | 2017-05-02 | 2017-09-01 | 深圳乐信软件技术有限公司 | A kind of order processing method and device |
| CN109325846A (en) * | 2018-09-11 | 2019-02-12 | 上海梓颂信息科技有限公司 | The data computing system and method for network credit scoring |
| CN109598612A (en) * | 2018-10-16 | 2019-04-09 | 阿里巴巴集团控股有限公司 | The method and apparatus of resource seller's seven sale |
| CN109741048A (en) * | 2019-01-02 | 2019-05-10 | 广东乐心医疗电子股份有限公司 | Commodity acquisition method and device |
| CN110853238A (en) * | 2019-10-31 | 2020-02-28 | 中燃慧生活电子商务有限公司 | Intelligent gas recharging system with high availability |
| CN113627924A (en) * | 2021-08-04 | 2021-11-09 | 蝴蝶供应链有限公司 | Transaction method, platform, system and storage medium based on account hanging protocol |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103262108A (en) * | 2010-10-13 | 2013-08-21 | 沃尔玛百货有限公司 | Method for self-heckout with a mobile device |
| CN104077699A (en) * | 2014-06-09 | 2014-10-01 | 中国建设银行股份有限公司 | Payment data processing method and system used for e-business platform |
| US20150242839A1 (en) * | 2012-09-11 | 2015-08-27 | First Data Corporation | Systems and methods for facilitating the approval and use of a credit account via mobile commerce |
-
2016
- 2016-01-21 CN CN201610037040.2A patent/CN105741101A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103262108A (en) * | 2010-10-13 | 2013-08-21 | 沃尔玛百货有限公司 | Method for self-heckout with a mobile device |
| US20150242839A1 (en) * | 2012-09-11 | 2015-08-27 | First Data Corporation | Systems and methods for facilitating the approval and use of a credit account via mobile commerce |
| CN104077699A (en) * | 2014-06-09 | 2014-10-01 | 中国建设银行股份有限公司 | Payment data processing method and system used for e-business platform |
Non-Patent Citations (1)
| Title |
|---|
| 魏凯: ""读秒"调整个贷格局 在线贷款遇争抢", 《杭州金融研修学院学报》 * |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105761061A (en) * | 2016-01-27 | 2016-07-13 | 北京几币几网络科技有限公司 | Distributed point-to-point open account system realization method |
| CN106656839A (en) * | 2016-10-20 | 2017-05-10 | 财付通支付科技有限公司 | Resource transfer method and apparatus |
| CN107123031A (en) * | 2017-05-02 | 2017-09-01 | 深圳乐信软件技术有限公司 | A kind of order processing method and device |
| CN109325846A (en) * | 2018-09-11 | 2019-02-12 | 上海梓颂信息科技有限公司 | The data computing system and method for network credit scoring |
| CN109598612A (en) * | 2018-10-16 | 2019-04-09 | 阿里巴巴集团控股有限公司 | The method and apparatus of resource seller's seven sale |
| CN109598612B (en) * | 2018-10-16 | 2024-03-08 | 创新先进技术有限公司 | Method and device for resource delay delivery |
| CN109741048A (en) * | 2019-01-02 | 2019-05-10 | 广东乐心医疗电子股份有限公司 | Commodity acquisition method and device |
| CN110853238A (en) * | 2019-10-31 | 2020-02-28 | 中燃慧生活电子商务有限公司 | Intelligent gas recharging system with high availability |
| CN113627924A (en) * | 2021-08-04 | 2021-11-09 | 蝴蝶供应链有限公司 | Transaction method, platform, system and storage medium based on account hanging protocol |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105741101A (en) | Method for realizing mobile credit granting and mobile transaction on credit based on mobile portable equipment | |
| CN113379401B (en) | Secure processing of electronic payments | |
| US10664833B2 (en) | Transactions utilizing multiple digital wallets | |
| RU2604671C2 (en) | Calculation of cost of a purchase at point of sale using bar codes | |
| US10796363B1 (en) | Customized financing based on transaction information | |
| CA2795276C (en) | Universal merchant application, registration and boarding platform | |
| US20130097078A1 (en) | Mobile remote payment system | |
| KR101660121B1 (en) | Payment processing system using account transfer | |
| CA3001900C (en) | Systems and methods for facilitating secure electronic transactions | |
| CN104603808A (en) | Payment apparatus and method | |
| TWI635449B (en) | A virtual and real market commodity recommendation and reward system | |
| CN101354770A (en) | Electronic business system and method for binding membership name with bank card | |
| CN103718202A (en) | Merchant initiated payment using consumer device | |
| KR20130008000A (en) | Payment system using cord only for payment and method thereof | |
| JP2019128957A (en) | Card-not-present transaction system and operating method therefor | |
| EP3365852A1 (en) | Mobile barcode generation and payment | |
| US20130268435A1 (en) | Friendly funding source messaging | |
| KR102181213B1 (en) | Processing and trading system of principal and interest receivables rights | |
| KR102040890B1 (en) | Method, apparatus and computer-readable medium for providing payment service, and computer program for executing method for obtaining payment page | |
| CN105761061A (en) | Distributed point-to-point open account system realization method | |
| TWI578248B (en) | Use Fingerprint to confirm the checkout page information to initiate action payments | |
| CN105741452A (en) | Method for carrying out transaction at retailing terminal by using portable device | |
| KR20110029374A (en) | The mobile payment servicing method and the system used thereto | |
| JP2024090037A (en) | Settlement method, intermediation server, program, and purchase system | |
| AU2014280914B2 (en) | Universal merchant application, registration and boarding platform |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| DD01 | Delivery of document by public notice |
Addressee: BEIJING JIBIJICOIN NETWORK TECHNOLOGY CO., LTD. Document name: the First Notification of an Office Action |
|
| DD01 | Delivery of document by public notice | ||
| DD01 | Delivery of document by public notice |
Addressee: BEIJING JIBIJICOIN NETWORK TECHNOLOGY CO., LTD. Document name: Notification that Application Deemed to be Withdrawn |
|
| DD01 | Delivery of document by public notice | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20160706 |
|
| WD01 | Invention patent application deemed withdrawn after publication |