CN111626721A - Cross-border payment method - Google Patents
Cross-border payment method Download PDFInfo
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- CN111626721A CN111626721A CN202010215340.1A CN202010215340A CN111626721A CN 111626721 A CN111626721 A CN 111626721A CN 202010215340 A CN202010215340 A CN 202010215340A CN 111626721 A CN111626721 A CN 111626721A
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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
- G06Q20/30—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
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
Abstract
The invention relates to the technical field, in particular to a cross-border payment method. The method comprises the following steps: opening the card, swiping the external card for consuming and recharging, swiping the external card for pre-authorizing the mobile phone to rent deposit, consuming and paying and processing balance. The consumption method of the invention is that the foreign user applies for the UnionPay commercial electronic virtual account and completes the customized mobile phone APP binding, and purchases the virtual prepaid card product with fixed amount by swiping the card through the external card, and the product is bound with the account, and the foreign user realizes the online mobile payment transaction in the acceptance environment supporting the third party payment software through the payment code generated by the customized machine, and the method has the following advantages: recharging and real-time account arrival; the operation of opening an account is simple and convenient; the account is unbound in time, and the balance refund period is short; the foreign guest payment system is mature.
Description
Technical Field
The invention relates to the technical field, in particular to a cross-border payment method.
Background
At present, foreign tourists usually spend cards or cash in China. However, as mobile payment is more and more popular in china, card swiping and cash payment modes limit the consumption experience scenes of inbound foreign tourists to a certain extent. At present, in the existing cross-border payment mode, the Payment Bao App is mainly used for paying by using the Payment Bao scanning code for the visitor in China, the Payment Bao App cooperates with a Chinese city business in a small program mode, foreign users recharge foreign bank cards into electronic consumption cards, and the function of paying by the visitor in China is realized. The method has the defects that 1, the account opening authentication process is complex; 2. the foreign guest payment system 11.8 is officially opened and is not mature; 3. only the operation in the Payment treasure APP is supported, and the cooperation interface is not opened temporarily.
Disclosure of Invention
It is an object of the present invention to provide a cross-border payment method to solve the above-mentioned problems in the background art.
In order to solve the technical problems, the invention provides a cross-border payment method, which comprises the following steps:
s1, opening the card: the validity of the certificate of the client application and the combination of the testimony and the witness are confirmed by a person through customizing the APP application virtual account in the mobile phone. Under the condition of ensuring the identity and certificate check to be consistent, the operation on the customized mobile phone is used for completing card opening for foreign tourists;
s2, swiping an external card for consuming and recharging: purchasing a customized 'travel card' digital product and recharging the 'travel card' with money;
s3, swiping an external card to pre-authorize the mobile phone to rent deposit: swiping a foreign bank card for preauthorization, and paying the deposit of the tour guide machine equipment;
s4, consumption payment: using the external card to pay for consumption;
s5, balance processing: and returning the mobile phone when the foreign tourist leaves the tour guide equipment after using the tour guide equipment, and establishing a special purchase point at the return point of the mobile phone to provide a way for consuming the remaining balance for the foreign tourist.
Preferably, in S1, the card opening step includes:
s1.1, obtaining materials required by applying for a virtual account after real-name authentication; carrying out real-name authentication through airport pick-up tour guide machine point service staff or hotel pick-up tour guide machine point hotel staff;
s1.2, a customer signs a protocol through system interaction or clicking 'payment code' by a mobile phone and is used for opening an account and recharging a commission charge;
s1.3, starting a virtual account application by a Unionpay system, and providing a payment control;
s1.4, setting a password by using a Unionpay control;
and S1.5, the system transmits the name, the passport photo, the passport number, the password and the mobile phone number to the Unionpay in a background manner to complete the establishment of the virtual electronic account.
Preferably, in S2, the step of swiping the exterior card to consume and recharge is as follows:
s2.1, receiving the demands of customers at airports, banks and hotel service desks by staff, and receiving the purchases of the products required by the customers and the signs of related electronic agreements by the staff;
s2.2, displaying a user code applied to the tour guide machine by a worker at an airport, a bank or a hotel service desk;
s2.3, scanning and identifying account information by a POS machine of the noble department of Unionpay business, and inquiring the chargeable amount degree and informing a user by the POS machine according to the account information;
s2.4, inputting a fixed recharging amount according to the requirement of a client; recharging for the first time, and recording order serial numbers by a tour guide machine application background;
s2.5, the guest presents the foreign bank card and swipes the POS machine for consumption;
s2.6, signing the electronic purchase order by the guest;
s2.7, the amount of money enters a bank account of the noble department;
s2.8, completing recharging equal amount from the money withheld by the bank account of the noble department to the virtual electronic account of the UnionPay by the Union of the person and the certificate, and transacting the purchase of a 'travel card' product and the signature of a related electronic protocol for the client by the Union of the person and the certificate;
s2.9, the staff gives the tour guide machine to the client, and the client can start normal use.
The method for consuming and recharging by swiping the external card specifically comprises the following steps: the foreign country user swipes a foreign bank card for consumption on an airport, a bank and a hotel POS machine, purchases a customized 'travel card' digital product (the amount of a prepaid card with a fixed limit in the travel card product), and the staff completes the binding of the 'travel card' product and the customized mobile phone. And after receiving the successful card swiping of the guest, the Unionpay feeds back the card to a background of the company, and the company prestores a certain amount of recharging prepayment money in a specified prepayment account of the Unionpay business in advance. After receiving the successful card swiping of the guest, the Unionpay POS machine sends a recharging instruction to the Unionpay business account system by the company to complete the recharging of the virtual account of the guest, and the Unionpay T + N transfers the amount of the travel card purchased by the tourist to the bank account of the company (the time efficiency is planned according to the external card organization standard, and the conventional time is 1-2 days).
Preferably, in S3, the step of swiping the foreign card to pre-authorize the mobile phone to rent the deposit is as follows:
s3.1, inputting the amount of money to be preauthorized according to the deposit requirement of the tour guide equipment;
s3.2, the guest presents the foreign bank card and swipes the pre-authorization on the POS machine;
s3.3, signing the electronic purchase order by the guest;
s3.4, storing the order information by the background of the noble department system for the customer to return to the mobile phone for use;
s3.5, the guest finishes returning the mobile phone in the journey;
s3.6, brushing pre-authorization on the same POS machine according to the actual consumption amount when the guest leaves the house;
s3.7, signing the electronic purchase order by the guest;
and S3.8, the consumption amount enters a precious account, and the balance is returned to the account of the cardholder in real time.
Preferably, in S4, the consumption payment includes an online payment, a scanned mode and a main scanning mode.
Preferably, the online payment method comprises the following steps:
s4.1, placing an order by a foreign tourist on a tour guide machine application line, and entering a payment interface;
and S4.2, calling the online payment of the Unionpay by the tour guide machine through the cash register, and deducting money after password verification.
Preferably, the method of the swept mode is as follows:
s5.1, opening a payment code in the application tool column of the tour guide machine by the foreign tourist, and showing the payment code to an offline merchant;
and S5.2, the merchant can accept payment deduction of the Unionpay two-dimensional code collection hardware code scanning gun tour guide machine application.
Preferably, the method of the main scanning mode is as follows:
s6.1, opening the tour guide machine by the foreign tourist to scan the commercial tenant Unionpay two-dimensional code by scanning;
s6.2, entering a payment interface to input payment amount;
and S6.3, completing payment and confirming account by the merchant.
The invention also provides a cross-border payment system, which comprises the cross-border payment method, and comprises a card opening module, a consumption recharging module, an authorized leasing module, a consumption payment module and a balance processing module, wherein the card opening module is used for applying for a virtual account, checking certificates and completing card opening; the consumption recharging module is used for recharging money; the authorization renting module is used for swiping a foreign bank card for preauthorization and paying the deposit of the tour guide machine equipment; the consumption payment module is used for paying in an online payment mode, a scanned mode and a main scanning mode; and the balance processing module is used for processing the rest balance.
It is a further object of the present invention to provide a cross-border payment apparatus, which includes a processor, a memory and a computer program stored in the memory and running on the processor, wherein the processor executes the computer program to implement any of the steps of the cross-border payment method.
It is a fourth objective of the present invention to provide a computer-readable storage medium, wherein at least one program is stored in the storage medium, and the at least one program is executed by the processor to implement the steps of the cross-border payment method as described in any one of the above.
Compared with the prior art, the invention has the beneficial effects that: in the cross-border payment method and the cross-border payment system, a consumption method is that a foreign user applies for a UnionPay business electronic virtual account and finishes customizing mobile phone APP binding, a virtual prepaid card product with fixed amount is purchased through swiping a card by a foreign card, the product is bound with the account, the foreign user realizes online mobile payment transaction through a payment code generated by a customizing machine in an acceptance environment supporting third-party payment software, and the method has the following advantages: recharging and real-time account arrival; the operation of opening an account is simple and convenient; the account is unbound in time, and the balance refund period is short; the foreign guest payment system is mature.
Drawings
FIG. 1 is a flow chart of a cross-border payment method of the present invention;
FIG. 2 is a diagram of the card opening step of the present invention;
FIG. 3 is a diagram of the present invention of a swiping card consumption recharge step;
FIG. 4 is a diagram of the steps of swiping an external card to pre-authorize a mobile phone to rent a deposit according to the present invention;
FIG. 5 is a diagram of the online payment step of the present invention;
FIG. 6 is a diagram illustrating the steps of the scanning method of the present invention;
FIG. 7 is a diagram illustrating the main scanning steps of the present invention;
fig. 8 is a structural view of the cross border payment apparatus of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.
Referring to fig. 1-8, the present invention provides a technical solution:
one of the objectives of the present invention is to provide a cross-border payment method, which comprises the following steps:
s1, opening the card: the validity of the certificate of the client application and the combination of the testimony and the witness are confirmed by a person through customizing the APP application virtual account in the mobile phone. Under the condition of ensuring the identity and certificate check to be consistent, the operation on the customized mobile phone is used for completing card opening for foreign tourists;
s2, swiping an external card for consuming and recharging: purchasing a customized 'travel card' digital product and recharging the 'travel card' with money;
s3, swiping an external card to pre-authorize the mobile phone to rent deposit: swiping a foreign bank card for preauthorization, and paying the deposit of the tour guide machine equipment;
s4, consumption payment: using the external card to pay for consumption;
s5, balance processing: and returning the mobile phone when the foreign tourist leaves the tour guide equipment after using the tour guide equipment, and establishing a special purchase point at the return point of the mobile phone to provide a way for consuming the remaining balance for the foreign tourist.
In this embodiment, in S1, the card opening step is as follows:
s1.1, obtaining materials required by applying for a virtual account after real-name authentication; carrying out real-name authentication through airport pick-up tour guide machine point service staff or hotel pick-up tour guide machine point hotel staff;
s1.2, a customer signs a protocol through system interaction or clicking 'payment code' by a mobile phone and is used for opening an account and recharging a commission charge;
s1.3, starting a virtual account application by a Unionpay system, and providing a payment control;
s1.4, setting a password by using a Unionpay control;
and S1.5, the system transmits the name, the passport photo, the passport number, the password and the mobile phone number to the Unionpay in a background manner to complete the establishment of the virtual electronic account.
Further, in S2, the step of swiping the foreign card to consume and recharge is as follows:
s2.1, receiving the demands of customers at airports, banks and hotel service desks by staff, and receiving the purchases of the products required by the customers and the signs of related electronic agreements by the staff;
s2.2, displaying a user code applied to the tour guide machine by a worker at an airport, a bank or a hotel service desk;
s2.3, scanning and identifying account information by a POS machine of the noble department of Unionpay business, and inquiring the chargeable amount degree and informing a user by the POS machine according to the account information;
s2.4, inputting a fixed recharging amount according to the requirement of a client; recharging for the first time, and recording order serial numbers by a tour guide machine application background;
s2.5, the guest presents the foreign bank card and swipes the POS machine for consumption;
s2.6, signing the electronic purchase order by the guest;
s2.7, the amount of money enters a bank account of the noble department;
s2.8, completing recharging equal amount from the money withheld by the bank account of the noble department to the virtual electronic account of the UnionPay by the Union of the person and the certificate, and transacting the purchase of a 'travel card' product and the signature of a related electronic protocol for the client by the Union of the person and the certificate;
s2.9, the staff gives the tour guide machine to the client, and the client can start normal use.
Specifically, the method for consuming and recharging by swiping the external card specifically comprises the following steps: the foreign country user swipes a foreign bank card for consumption on an airport, a bank and a hotel POS machine, purchases a customized 'travel card' digital product (the amount of a prepaid card with a fixed limit in the travel card product), and the staff completes the binding of the 'travel card' product and the customized mobile phone. And after the Unionpay receives the successful card swiping of the guest, the card is fed back to the background of the company, and the company prestores a certain amount of recharging prepayment money in the appointed prepayment account of the Unionpay business in advance. After the Unionpay POS machine receives the successful card swiping of the guest, the company sends a recharging instruction to the Unionpay business account system to complete recharging of the virtual account of the guest, and the Unionpay T + N transfers the amount of the travel card purchased by the tourist to the bank account of the company (the time efficiency is planned according to the external card organization standard, and the conventional time is 1-2 days).
It should be noted that in S3, the step of swiping the foreign card to pre-authorize the mobile phone to rent the deposit is as follows:
s3.1, inputting the amount of money to be preauthorized according to the deposit requirement of the tour guide equipment;
s3.2, the guest presents the foreign bank card and swipes the pre-authorization on the POS machine;
s3.3, signing the electronic purchase order by the guest;
s3.4, storing the order information by the background of the noble department system for the customer to return to the mobile phone for use;
s3.5, the guest finishes returning the mobile phone in the journey;
s3.6, brushing pre-authorization on the same POS machine according to the actual consumption amount when the guest leaves the house;
s3.7, signing the electronic purchase order by the guest;
and S3.8, the consumption amount enters a precious account, and the balance is returned to the account of the cardholder in real time.
In addition, in S4, the consumption payment includes an online payment, a scanned mode, and a master scan mode.
Specifically, the online payment method comprises the following steps:
s4.1, placing an order by a foreign tourist on a tour guide machine application line, and entering a payment interface;
and S4.2, calling the online payment of the Unionpay by the tour guide machine through the cash register, and deducting money after password verification.
Further, the method of the scanned mode is as follows:
s5.1, opening a payment code in the application tool column of the tour guide machine by the foreign tourist, and showing the payment code to an offline merchant;
and S5.2, the merchant can accept payment deduction of the Unionpay two-dimensional code collection hardware code scanning gun tour guide machine application.
It should be noted that the main scanning method is as follows:
s6.1, opening the tour guide machine by the foreign tourist to scan the commercial tenant Unionpay two-dimensional code by scanning;
s6.2, entering a payment interface to input payment amount;
and S6.3, completing payment and confirming account by the merchant.
The invention also provides a cross-border payment system, which comprises the cross-border payment method, and comprises a card opening module, a consumption recharging module, an authorized leasing module, a consumption payment module and a balance processing module, wherein the card opening module is used for applying for a virtual account, checking certificates and completing card opening; the consumption recharging module is used for recharging money; the authorization renting module is used for swiping a foreign bank card for preauthorization and paying the deposit of the tour guide machine equipment; the consumption payment module is used for paying in an online payment mode, a scanned mode and a main scanning mode; and the balance processing module is used for processing the rest balance.
It should be noted that, for the functions of the card opening module, the consumption recharging module, the authorization renting module, the consumption payment module, and the balance processing module, reference is specifically made to the description of the method portion corresponding to each module, and details are not described here.
Referring to fig. 8, a cross-border payment device is provided according to an embodiment of the invention, the device including a processor, a memory and a bus.
The processor comprises one or more processing cores, the processor is connected with the processor through a bus, the memory is used for storing program instructions, and the processor realizes the cross-border payment method when executing the program instructions in the memory.
Alternatively, the memory may be implemented by any type or combination of volatile or non-volatile memory devices, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks.
In addition, the present invention also provides a computer readable storage medium, in which at least one program is stored, and the at least one program is executed by the processor to implement the steps of the cross-border payment method as described above
The foregoing shows and describes the general principles, essential features, and advantages of the invention. It will be understood by those skilled in the art that the present invention is not limited to the embodiments described above, and the above embodiments and descriptions are only preferred examples of the present invention and are not intended to limit the present invention, and that various changes and modifications may be made without departing from the spirit and scope of the present invention, which fall within the scope of the claimed invention. The scope of the invention is defined by the appended claims and equivalents thereof.
Claims (10)
1. A cross-border payment method comprises the following steps:
s1, opening the card: the method comprises the steps that an APP application virtual account in a customized mobile phone is used, people confirm validity of a client certificate application and a combination of a certificate and a witness, and the operation on the customized mobile phone is used for finishing card opening for foreign tourists under the condition that the identity and the certificate are checked to be consistent;
s2, swiping an external card for consuming and recharging: purchasing a customized 'travel card' digital product and recharging the 'travel card' with money;
s3, swiping an external card to pre-authorize the mobile phone to rent deposit: swiping a foreign bank card for preauthorization, and paying the deposit of the tour guide machine equipment;
s4, consumption payment: using the external card to pay for consumption;
s5, balance processing: and returning the mobile phone when the foreign tourist leaves the tour guide equipment after using the tour guide equipment.
2. The cross-border payment method of claim 1, wherein: in S1, the card opening step is as follows:
s1.1, obtaining materials required by applying for a virtual account after real-name authentication;
s1.2, a customer signs a protocol by system interaction or clicking a 'payment code' through a mobile phone;
s1.3, starting a virtual account application by a Unionpay system, and providing a payment control;
s1.4, setting a password by using a Unionpay control;
and S1.5, the system transmits the name, the passport photo, the passport number, the password and the mobile phone number to the Unionpay in a background manner to complete the establishment of the virtual electronic account.
3. The cross-border payment method of claim 1, wherein: in the step S2, the steps of swiping the external card for consuming and recharging are as follows:
s2.1, receiving the demands of customers at airports, banks and hotel service desks by staff, and receiving the purchases of the products required by the customers and the signs of related electronic agreements by the staff;
s2.2, displaying a user code applied to the tour guide machine by a worker at an airport, a bank or a hotel service desk;
s2.3, scanning the code by the POS machine of the noble department of the Unionpay business to identify account information, and inquiring the chargeable amount and informing the user by the POS machine according to the account information;
s2.4, inputting a fixed recharging amount according to the requirement of a client;
s2.5, the guest presents the foreign bank card and swipes the POS machine for consumption;
s2.6, signing the electronic purchase order by the guest;
s2.7, the amount of money enters a bank account of the noble department;
s2.8, completing recharging equal amount from the money withheld by the bank account of the noble department to the virtual electronic account of the UnionPay by the Union of the people and the certificate, and transacting the purchase of a 'travel card' product and the signing of a related electronic protocol for the client by the Union of the people and the certificate;
s2.9, the staff gives the tour guide machine to the client, and the client can start normal use.
4. The cross-border payment method of claim 1, wherein: in the step S3, the step of swiping the foreign card to pre-authorize the mobile phone to rent the deposit is as follows:
s3.1, inputting the amount of money to be preauthorized according to the deposit requirement of the tour guide equipment;
s3.2, the guest presents the foreign bank card and swipes the pre-authorization on the POS machine;
s3.3, signing the electronic purchase order by the guest;
s3.4, storing the order information by the background of the noble department system for the customer to return to the mobile phone for use;
s3.5, the guest finishes returning the mobile phone in the journey;
s3.6, brushing pre-authorization on the same POS machine according to the actual consumption amount when the guest leaves the house;
s3.7, signing the electronic purchase order by the guest;
and S3.8, the consumption amount enters a precious account, and the balance is returned to the account of the cardholder in real time.
5. The cross-border payment method of claim 1, wherein: in S4, the consumption payment includes an online payment, a scanned mode and a main scanning mode.
6. The cross-border payment method of claim 5, wherein: the online payment method comprises the following steps:
s4.1, placing an order by a foreign tourist on a tour guide machine application line, and entering a payment interface;
and S4.2, calling the online payment of the Unionpay by the tour guide machine through the cash register, and deducting money after password verification.
7. The cross-border payment method of claim 5, wherein: the method of the swept mode is as follows:
s5.1, opening a payment code in the application tool column of the tour guide machine by the foreign tourist, and showing the payment code to an offline merchant;
s5.2, the merchant can accept payment deduction of the Unionpay two-dimensional code collection hardware code scanning gun tour guide machine application payment code;
the method of the main scanning mode comprises the following steps:
s6.1, opening the tour guide machine by the foreign tourist to scan the commercial tenant Unionpay two-dimensional code by scanning;
s6.2, entering a payment interface to input payment amount;
and S6.3, completing payment and confirming account by the merchant.
8. A cross-border payment system, comprising the cross-border payment method of any one of claims 1 to 7, which comprises a card opening module, a consumption recharging module, an authorization renting module, a consumption payment module and a balance processing module, wherein the card opening module is used for applying for a virtual account, checking certificates and completing card opening; the consumption recharging module is used for recharging money; the authorization renting module is used for swiping a foreign bank card for preauthorization and paying the deposit of the tour guide machine equipment; the consumption payment module is used for paying in an online payment mode, a scanned mode and a main scanning mode; and the balance processing module is used for processing the rest balance.
9. A cross-border payment device, comprising: comprising a processor, a memory and a computer program stored in and run on said memory, said processor implementing the steps of the cross-border payment method according to any one of claims 1-7 when executing the computer program as described above.
10. A computer-readable storage medium, wherein at least one program is stored in the storage medium, and the at least one program is executed by the processor to implement the steps of the cross-border payment method as claimed in any one of claims 1-7.
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112184210A (en) * | 2020-09-08 | 2021-01-05 | 中国银联股份有限公司 | Cross-network transaction method, system and computer readable storage medium |
| CN112766957A (en) * | 2021-02-09 | 2021-05-07 | 中国工商银行股份有限公司 | Cross-border digital payment method and domestic bank server |
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