CN106339873A - Token based payment method and system - Google Patents
Token based payment method and system Download PDFInfo
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- CN106339873A CN106339873A CN201610756992.XA CN201610756992A CN106339873A CN 106339873 A CN106339873 A CN 106339873A CN 201610756992 A CN201610756992 A CN 201610756992A CN 106339873 A CN106339873 A CN 106339873A
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- token
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- management system
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- 238000000034 method Methods 0.000 title claims abstract description 20
- 230000003068 static effect Effects 0.000 claims abstract description 54
- 238000007726 management method Methods 0.000 claims description 61
- 238000002372 labelling Methods 0.000 claims description 9
- 238000012011 method of payment Methods 0.000 claims description 9
- 238000012360 testing method Methods 0.000 claims description 2
- 238000006467 substitution reaction Methods 0.000 description 2
- 238000012795 verification Methods 0.000 description 2
- 239000000969 carrier Substances 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
- 230000001737 promoting effect Effects 0.000 description 1
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
- G06Q20/326—Payment applications installed on the mobile 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The invention relates to a Token based payment method and system. The method comprises a binding step in which a static Token is generated on the basis of bank card information including a bank card account at least, and bound to terminal identification information; a payment identification image generation step in which a dynamic Token is generated according to the terminal identification information and the static Token when payment is needed so that the dynamic Token replaces the bank card account, and a payment identification image is generated according to the dynamic Token; and a payment transaction step in which the payment identification image is read, and the dynamic Token included by the payment identification image is replaced by the bank card account to complete subsequent payment transaction. According to the invention, the safety of mobile payment is improved, and fraud transaction caused by information leakage can be prevented.
Description
Technical field
The present invention relates to Computer Applied Technology field, particularly a kind of method of payment based on token and base
Payment system in token.
Background technology
With the rise of Quick Response Code application, each Internet firm domestic and business bank are all promoting planar bar code technology to answer
For paying, current Quick Response Code payment technology has been widely used.It is that consumer passes through bank or Third-party payment that Quick Response Code pays
The mobile phone terminal Channel scan commodity Quick Response Code providing, and then complete to pay.Under this payment technology scheme, businessman is account, business
The Transaction Informations such as product price are assembled into a Quick Response Code, and issue on various carriers.This mode has the disadvantage that
Bank card information is considered as target of attack by increasing lawless person, and current Quick Response Code is generally bright with bank card primary account number
Literary composition generates, and the leakage of cardholder account information leads to trade company to face huge economic risk.
Once attacking cell-phone customer terminal and trade company's two dimension decoding apparatus on the internet, distort payment information and payment result,
Payment process will be uncontrollable.
Content of the invention
In view of the above problems, it is an object of the invention to, provide a kind of can improve transaction security based on token's
Method of payment and the payment system based on token.
The method of payment based on token of the present invention is it is characterised in that comprise the steps:
Binding step, generates static token based on bank card information, and described static state token is bound with terminal identification information, its
In, described bank card information at least includes bank card account number；
Pay mark image generation step, when needing to be paid, generates dynamic according to terminal identification information and static token
Token, so that replacing bank card account number with this dynamic token, generates pay mark image according to this dynamic token；And
Payment transaction step, reads this pay mark image, and the dynamic token comprising in this pay mark image is replaced Hui Yin
Row card account number is completing follow-up payment transaction.
Preferably, in described binding step, token management system is according to the bank card information sending from mobile terminal
Generate static token, described static state token is bound with terminal identification information and described static state token is stored in token pipe
Reason system and mobile terminal,
In pay mark image generation step, the terminal identification information that the checking of token management system sends from mobile terminal
With static token, generate dynamic token in the case of being proved to be successful and be sent to mobile terminal, mobile terminal is dynamic according to this
State token generates pay mark image,
In described payment transaction step, merchant tenninal scans described pay mark image and forwards after being sent to payment system
Token management system verifies dynamic token, in the case of being proved to be successful, dynamic token is substituted for after bank card information and returns
Return payment system, follow-up payment transaction is completed by payment system.
Preferably, described binding step includes following sub-steps:
Holder passes through mobile terminal and submits bank card information to token management system；
Mobile terminal acquisition terminal identification information is sent to token management system；
Token management system verifies the identity information of holder；
In the case of being proved to be successful, token management system generates static token；
Token management system stores this static token and is sent to mobile terminal；And
Replaced bank card account number and be stored in mobile terminal with this static token in mobile terminal.
Preferably, described pay mark image generation step includes following sub-steps:
Static token and terminal identification information are sent to token management system according to paying request by mobile terminal；
Token management system verifies the terminal identification information and static token sending from mobile terminal；
Generate disposable dynamic token and be sent to mobile terminal in the case of being proved to be successful；
Mobile terminal generates pay mark image according to this dynamic token.
Preferably, described payment transaction step includes:
Merchant tenninal scans described pay mark image and identifies Transaction Information；
Send transaction information to payment system and call token management system verify described Transaction Information in comprise dynamic
Token and terminal identification information；
In the case of being proved to be successful, dynamic token is substituted for return payment system after bank card account number；
Follow-up payment transaction is completed by payment system.
Preferably, described pay mark image is Quick Response Code or bar code.
Preferably, described the bank card information also number of inclusion name, phone number,
Described terminal identification information includes terminal unit number, mac address.
The payment system based on token of the present invention is it is characterised in that possess: mobile terminal, token management system, business
Family terminal and payment system,
Wherein, described mobile terminal and described token management system can communicate to connect, following for storing in the binding stage
Static token, was used for generating pay mark image according to following dynamic token in the stage of payment,
Described token management system was used for, according to the static token generating for substituting bank card account number, propping up in the binding stage
The stage of paying is used for generating dynamic token, on the other hand in the case of being called by described payment system, for checking from movement
The dynamic token that comprises and in the case of being proved to be successful, dynamic token being replaced in the pay mark image that terminal uploads
Payment system is returned after becoming bank card account number,
Described merchant tenninal was used for reading described pay mark image and being sent to payment system in the payment stage,
Described payment system calls described token management system to obtain bank in the case of receiving described payment labelling image
Card account number simultaneously completes follow-up payment transaction.
Preferably, described mobile terminal is described for being sent to bank card information and terminal identification information in the binding stage
Token management system and the following static token returning from described token management system for storage, in the stage of payment
For managing, according to from described token, the dynamic token generation pay mark image that mobile terminal sends,
Described token management system was used for being generated for replacing according to the bank card information from described mobile terminal in the binding stage
Static token for bank card account number and described static state token is bound with terminal identification information；It is used for testing in the payment stage
Demonstrate,prove the terminal identification information sending from mobile terminal and static token, generate dynamic token in the case of being proved to be successful simultaneously
It is sent to mobile terminal, on the other hand in the case of being called by described payment system, upload from mobile terminal for checking
Pay mark image in the dynamic token that comprises and in the case of being proved to be successful, dynamic token is substituted for bank card
Payment system is returned after account number.
Preferably, described token management system is used for generating disposable dynamic token in transactional stage.
Preferably, described mobile terminal is used for the pay mark image generating according to described dynamic token in the stage of payment
It is Quick Response Code or bar code.
Preferably, described the bank card information also number of inclusion name, phone number, described terminal identification information includes terminal and sets
Standby number, mac address.
The method of payment based on token of the present invention and based in the payment system of token, due to using dynamic
Token information substituted for original bank card account number, can prevent the possibility of card number information leakage.Further, since producing in token
When raw, the scope of token application is defined, i.e. make the range of application of this token by increasing terminal identification information
It is only to be limited to this mobile terminal, pay the coverage after labelling is revealed thus, it is possible to reduce further.And, pass through
Token and the related information checking of mobile terminal, are prevented from the fraudulent trading that information leakage leads to.
Brief description
Fig. 1 is the structural map of the payment system based on token representing the present invention.
Fig. 2 is the flow chart of the method for payment based on token representing the present invention.
Specific embodiment
Be described below be the present invention multiple embodiments in some, it is desirable to provide the basic understanding to the present invention.And
It is not intended to confirm the crucial or conclusive key element of the present invention or limit scope of the claimed.
The invention provides a kind of method of payment based on token and payment system.Pass through in the present invention to pay marking
Technology by the information such as bank card primary account number, name, cell-phone number, effect duration with one uniquely static token substitute, and set up
Static token and the binding relationship of terminal identification information, meanwhile, are generated with terminal identification information using dynamic token and pay mark
Remember to (for example, Quick Response Code etc.), in process of exchange, replace bank card primary account number using dynamic token, submit to and static state simultaneously
The terminal identification information of token binding.Checking eventually through token manager and replacement, by Transaction Information from payment system
It is sent to credit card issuer, complete to conclude the business.By pay marking technology replacement and terminal binding it is ensured that bank card primary account number
Deng the safety of sensitive information, improve the safety paying simultaneously again.
Fig. 1 is the structural map of the payment system based on token representing the present invention.
As shown in figure 1, the present invention's is included based on the payment system of token: mobile terminal 1 00, token management system
200th, payment system 400 and merchant tenninal 300.
Mobile terminal 1 00 is, for example, the mobile terminal of mobile phone, mobile pad etc., is wherein provided with the application realizing paying.Move
Dynamic terminal 100 and token management system 200 can communicate to connect, and be used for terminal identification information and bank card in the binding stage
Information is sent to token management system 200 and stores the terminal identification information and following returning from token management system 200
Static token, be used for for terminal identification information and static token being sent to token management paying stage mobile terminal 1 00
System 200 and pay mark image is generated for merchant tenninal according to the dynamic token returning from token management system 200
300 acquisitions.
Token management system 200 is used for realizing the application of token, generating, manage, removing the Life cycle pipe such as marking
The main body of reason, is responsible for associating of token and mobile terminal 1 00 simultaneously, and to payment system 400 offer token related service.Tool
Body ground, token management system 200 was used for being generated for replacing according to the bank card information from mobile terminal 1 00 in the binding stage
Static token for bank card account number and static token is bound with terminal identification information, the stage of payment be used for checking from
The terminal identification information that mobile terminal 1 00 sends and static token, generate dynamic token simultaneously in the case of being proved to be successful
It is sent to mobile terminal 1 00, be on the other hand that in the case that 300 systems call, token management system 200 is used for by paying
Verify the dynamic token from mobile terminal 1 00 upload and in the case of being proved to be successful, dynamic token is substituted for bank card
Payment system 400 is returned after account number.
Merchant tenninal 300 was used for reading the pay mark image being generated by mobile terminal 1 00 and being sent in the payment stage
Payment system 400.
Payment system 400 is used for realizing the process of payment transaction, can process and be generated by token and terminal identification information
Payment labelling image, and can be believed with terminal iidentification by calling the service verification token information of token management system 200
Breath.Specifically, payment system 400 calls token management system to obtain bank card in the case of receiving pay mark image
Account number, thus completes follow-up payment transaction.Follow-up payment will be forwarded to the execution of credit card issuer mechanism by payment system 400 and complete simultaneously
Backtracking result, these processes are not belonging to present disclosure, and here is not described in detail.
In the present invention, token(pays labelling), refer to a substitution value of bank card main account, for example, typically may be used
To be made up of 13 to 19 bit digital, can be used to replace bank card account number in transaction, do not affect trading processing.
Fig. 2 is the flow chart of the method for payment based on token representing the present invention.
The method of payment based on token of the present invention substantially can be divided into the three below stage:
(1) bind the stage: static token is generated based on bank card information, described static state token is tied up with terminal identification information
Fixed, wherein, described bank card information at least includes bank card account number；
(2) pay mark image generation phase, when needing to be paid, generates according to terminal identification information and static token
Dynamic token, so that replacing bank card account number with this dynamic token, generates pay mark image according to this dynamic token；With
And
(3) payment transaction step, reads this pay mark image, the dynamic token comprising in this pay mark image is replaced
Gain bank card account number to complete follow-up payment transaction.
Then, with reference to Fig. 2, the present invention is specifically described based on the method for payment of token.
(1) binding stage (tie up and snap past journey):
S100: holder passes through mobile terminal 1 00 and submits bank card, name, cell-phone number, effectively to token management system 200
The bank card information such as phase, when holder submits binding application for the first time to, mobile terminal 1 00 acquisition terminal device number, mac address etc.
Terminal identification information, and carry out binding application to token management system 200 submission information.
After s101: holder submits application to, token management system 200 side verifies that the identity-related information of holder (includes
Account verification, cell-phone number checking etc.).After being proved to be successful, token management system 200 side generates static token, simultaneously will be quiet
State token is bound with terminal identification information, and is stored in token management system 200.
Static token is issued mobile terminal by s102:token management system 200.
S103: mobile terminal 1 00 is replaced bank card account number using static token and is saved in local and service end.In addition,
When holder changes mobile terminal, authentication need to be re-started and bind with terminal identification information；Only permit when the authentication succeeds
Permitted to update token and terminal binding relation.
(2) pay mark image generation phase:
S104: holder submits in mobile terminal 1 00 and pays application, the static state that mobile terminal 1 00 produces during tying up card
Token send token management system 200, simultaneously on make arrangements for his funeral end equipment number, mac address etc. mark terminal identification information.
S105:token management system 200 verifies static token information and terminal identification information.
S106: after token management system 200 is proved to be successful, generates dynamic token, and this dynamic token is returned to
Mobile terminal.Here, dynamic token is preferably only once using effective.
S107: mobile terminal 1 00 is used dynamic token to be generated with terminal identification information and pays labelling image.Here, as
Pay labelling image, can be Quick Response Code, bar code or other arbitrarily can snugly comprise dynamic token and terminal mark
The image of knowledge information.
(3) the payment transaction stage:
S108: merchant tenninal 300 reads the payment labelling image of display in the mobile terminal 1 00 of holder.
The Transaction Information identifying is sent payment system 400, the bank card account in Transaction Information by s109: merchant tenninal 300
Number by dynamic token information substitution.
S110: payment system 400 calls the service that token management system 200 side provides.
S110:token management system 200 verifies dynamic token information and the terminal identification information of holder, will move simultaneously
State token is substituted for bank card account number, completes marking process and returns to payment system 400.
Then, payment system 400 completes paying message and be sent to card sending mechanism to withhold and returns transaction results source stream
To payment system.This part is not belonging to the content of the present patent application, does not therefore represent the contents of the section in fig. 2.
Substitute, using dynamic token, the process that traditional use bank card primary account number generates Quick Response Code, both defined application
Use scene and channel, have can pay loopful section using it is ensured that versatility.
The method of payment based on token of the present invention and based in the payment system of token, due to using dynamic
Token information substituted for original bank card account number, can prevent the possibility of card number information leakage.Further, since producing in token
When raw, the scope of token application is defined, i.e. make the range of application of this token by increasing terminal identification information
It is only to be limited to this mobile terminal, pay the coverage after labelling is revealed thus, it is possible to reduce further.And, pass through
Token and the related information checking of mobile terminal, are prevented from the fraudulent trading that information leakage leads to.
Example above primarily illustrates the method for payment based on token and the payment system based on token of the present invention.
Although being only described to the specific embodiment of some of them present invention, those of ordinary skill in the art should
Solution, the present invention can be being implemented with many others forms with scope without departing from its spirit.Therefore, the example shown and reality
The mode of applying is considered illustrative and not restrictive, without departing from the present invention as defined in appended claims spirit and
In the case of scope, the present invention may cover various modifications and replacement.
Claims (12)
1. a kind of method of payment based on token is it is characterised in that comprise the steps:
Binding step, generates static token based on bank card information, and described static state token is bound with terminal identification information, its
In, described bank card information at least includes bank card account number；
Pay mark image generation step, when needing to be paid, generates dynamic according to terminal identification information and static token
Token, so that replacing bank card account number with this dynamic token, generates pay mark image according to this dynamic token；And
Payment transaction step, reads this pay mark image, and the dynamic token comprising in this pay mark image is replaced Hui Yin
Row card account number is completing follow-up payment transaction.
2. the method for payment based on token as claimed in claim 1 it is characterised in that
In described binding step, token management system generates static according to the bank card information sending from mobile terminal
Token, described static state token and terminal identification information are bound and by described static state token be stored in token management system and
Mobile terminal,
In pay mark image generation step, the terminal identification information that the checking of token management system sends from mobile terminal
With static token, generate dynamic token in the case of being proved to be successful and be sent to mobile terminal, mobile terminal is dynamic according to this
State token generates pay mark image,
In described payment transaction step, merchant tenninal scans described pay mark image and calls after being sent to payment system
Token management system verifies dynamic token, in the case of being proved to be successful, dynamic token is substituted for after bank card information and returns
Return payment system, follow-up payment transaction is completed by payment system.
3. the method for payment based on token as claimed in claim 2 it is characterised in that
Described binding step includes following sub-steps:
Holder passes through mobile terminal and submits bank card information to token management system；
Terminal identification information is sent to token management system by mobile terminal；
Token management system verifies the identity information of holder；
In the case of being proved to be successful, token management system generates static token；
Token management system stores this static token and is sent to mobile terminal；And
Replaced bank card account number and be stored in mobile terminal with this static token in mobile terminal.
4. the method for payment based on token as claimed in claim 2 it is characterised in that
Described pay mark image generation step includes following sub-steps:
Static token and terminal identification information are sent to token management system according to paying request by mobile terminal；
Token management system verifies the terminal identification information and static token sending from mobile terminal；
Generate disposable dynamic token and be sent to mobile terminal in the case of being proved to be successful；
Mobile terminal generates pay mark image according to this dynamic token.
5. the method for payment based on token as claimed in claim 2 it is characterised in that
Described payment transaction step includes:
Merchant tenninal reads described pay mark image and identifies the Transaction Information comprising；
Send transaction information to payment system and call token management system verify described Transaction Information in comprise dynamic
Token and terminal identification information；
In the case of being proved to be successful, dynamic token is substituted for return payment system after bank card account number；
Follow-up payment transaction is completed by payment system.
6. as claimed in any one of claims 1 to 5, wherein the method for payment based on token it is characterised in that
Described pay mark image is Quick Response Code or bar code.
7. as claimed in any one of claims 1 to 5, wherein the method for payment based on token it is characterised in that
Described the bank card information also number of inclusion name, phone number,
Described terminal identification information includes terminal unit number, mac address.
8. a kind of payment system based on token is it is characterised in that possess: mobile terminal, token management system, merchant tenninal
And payment system,
Wherein, described mobile terminal and described token management system can communicate to connect, following for storing in the binding stage
Static token, was used for generating pay mark image according to following dynamic token in the stage of payment,
Described token management system was used for, according to the static token generating for substituting bank card account number, propping up in the binding stage
The stage of paying is used for generating dynamic token, on the other hand in the case of being called by described payment system, for checking from movement
The dynamic token that comprises and in the case of being proved to be successful, dynamic token being replaced in the pay mark image that terminal uploads
Payment system is returned after becoming bank card account number,
Described merchant tenninal was used for reading described pay mark image and being sent to payment system in the payment stage,
Described payment system calls described token management system to obtain bank in the case of receiving described payment labelling image
Card account number simultaneously completes follow-up payment transaction.
9. the payment system based on token as claimed in claim 8 it is characterised in that
Described mobile terminal was used for for bank card information and terminal identification information being sent to described token management system in the binding stage
The following static token uniting and returning from described token management system for storage, was used for according to from institute in the stage of payment
State token and manage the dynamic token generation pay mark image that mobile terminal sends,
Described token management system was used for being generated for replacing according to the bank card information from described mobile terminal in the binding stage
Static token for bank card account number and described static state token is bound with terminal identification information；It is used for testing in the payment stage
Demonstrate,prove the terminal identification information sending from mobile terminal and static token, generate dynamic token in the case of being proved to be successful simultaneously
It is sent to mobile terminal, on the other hand in the case of being called by described payment system, upload from mobile terminal for checking
Pay mark image in the dynamic token that comprises and in the case of being proved to be successful, dynamic token is substituted for bank card
Payment system is returned after account number.
10. the payment system based on token as claimed in claim 9 it is characterised in that
Described token management system generates disposable dynamic token in transactional stage.
11. payment systems based on token as claimed in claim 9 it is characterised in that
Described mobile terminal is Quick Response Code or bar shaped in the payment stage according to the pay mark image that described dynamic token generates
Code.
12. payment systems based on token as described in claim 8～11 any one it is characterised in that
Described the bank card information also number of inclusion name, phone number,
Described terminal identification information includes terminal unit number, mac address.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610756992.XA CN106339873A (en) | 2016-08-30 | 2016-08-30 | Token based payment method and system |
| PCT/CN2017/098401 WO2018040976A1 (en) | 2016-08-30 | 2017-08-22 | Token-based payment method, and token-based payment system |
| TW106129174A TWI662492B (en) | 2016-08-30 | 2017-08-28 | Payment token-based payment method and payment token-based payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610756992.XA CN106339873A (en) | 2016-08-30 | 2016-08-30 | Token based payment method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106339873A true CN106339873A (en) | 2017-01-18 |
Family
ID=57823896
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610756992.XA Pending CN106339873A (en) | 2016-08-30 | 2016-08-30 | Token based payment method and system |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106339873A (en) |
| TW (1) | TWI662492B (en) |
| WO (1) | WO2018040976A1 (en) |
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| WO2018040976A1 (en) * | 2016-08-30 | 2018-03-08 | 中国银联股份有限公司 | Token-based payment method, and token-based payment system |
| CN107944867A (en) * | 2017-11-17 | 2018-04-20 | 阿里巴巴集团控股有限公司 | Evidence for payment information generating method and device, equipment |
| CN108734248A (en) * | 2018-04-17 | 2018-11-02 | 新大陆（福建）公共服务有限公司 | A kind of barcode scanning method of the method for quickly generating safe Quick Response Code and Quick Response Code |
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| TWI816390B (en) * | 2022-05-09 | 2023-09-21 | 兆豐國際商業銀行股份有限公司 | Server and method of performing financial transaction using virtual number |
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| WO2018040976A1 (en) * | 2016-08-30 | 2018-03-08 | 中国银联股份有限公司 | Token-based payment method, and token-based payment system |
| CN107944867A (en) * | 2017-11-17 | 2018-04-20 | 阿里巴巴集团控股有限公司 | Evidence for payment information generating method and device, equipment |
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| CN110048998B (en) * | 2018-12-29 | 2021-09-14 | 中国银联股份有限公司 | Token-based identity authentication method and system and intelligent door lock |
| CN112016918A (en) * | 2019-05-30 | 2020-12-01 | 小米数字科技有限公司 | Signature writing method, signature verification device and storage medium |
| CN111553678A (en) * | 2020-01-23 | 2020-08-18 | 中国银联股份有限公司 | Two-dimensional code payment method and system based on mobile phone business card |
| WO2021147296A1 (en) * | 2020-01-23 | 2021-07-29 | 中国银联股份有限公司 | Qr code payment method and system employing mobile phone business card |
| CN111553678B (en) * | 2020-01-23 | 2024-02-09 | 中国银联股份有限公司 | Two-dimensional code payment method and system based on mobile phone business card |
| CN111951110A (en) * | 2020-08-10 | 2020-11-17 | 神话科技传媒(深圳)有限公司上海分公司 | Economic model based on excitation of block chain |
Also Published As
| Publication number | Publication date |
|---|---|
| TW201807634A (en) | 2018-03-01 |
| WO2018040976A1 (en) | 2018-03-08 |
| TWI662492B (en) | 2019-06-11 |
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