CN113095818A - License plate payment, license plate payment authentication method and license plate payment enhanced authentication system - Google Patents
License plate payment, license plate payment authentication method and license plate payment enhanced authentication system Download PDFInfo
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- CN113095818A CN113095818A CN201911337832.1A CN201911337832A CN113095818A CN 113095818 A CN113095818 A CN 113095818A CN 201911337832 A CN201911337832 A CN 201911337832A CN 113095818 A CN113095818 A CN 113095818A
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- G06Q20/38—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
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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
- G06Q20/38—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
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
- G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
- G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
- G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
- G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
- G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station
Abstract
The invention discloses a license plate payment method, a license plate payment authentication method and an enhanced authentication system for license plate payment, wherein the license plate payment method comprises the following steps: acquiring a license plate number and simultaneously acquiring a secondary verification image for verifying license plate payment; analyzing the secondary verification image to obtain a verification code character string; sending the license plate number and the verification code character string to a server for verification; and receiving a verification result, and determining whether to pay according to the verification result. The system can avoid wrong payment caused by the problems of fake license plate, identification error and the like, avoid customer complaints and operation risks, increase dynamic factors to strengthen the authentication of the license plate on the premise of not needing user participation and improve the safety of payment.
Description
Technical Field
The invention relates to the field of payment, automobiles and internet of vehicles, in particular to a license plate payment and license plate payment authentication method and an enhanced authentication system for license plate payment.
Background
The existing license plate payment (called license plate payment for short) is mainly applied to application scenes such as parking lots, gas stations, highway charging and the like, and can also be applied to any service scenes such as automobile shuttle restaurants, automatic car washing rooms and the like for completing transactions by driving in automobiles. A unit or person providing a Service is referred to as a Service Provider (SP).
The payment of the license plate payment needs to rely on financial institutions such as third-party payment, Unionpay, banks and the like to open withholding services, which can also be called direct debit transaction. In brief, the payer, the facilitator and the financial institution jointly sign a three-party authorization contract agreement, which allows the facilitator to directly inform the financial institution to deduct the funds on the payer account and pay to the facilitator after providing the service. Under some special scenarios, according to the setting of the payer or the security rules of the financial institution, before payment, the payer may be required to confirm through internet channels such as APP, wechat public numbers, short messages, and telephones.
The main business process of the existing license plate payment is as follows:
opening of service: the vehicle owner registers the service through the channels such as a portal website, an APP, a WeChat public number, self-service equipment, a service counter and the like provided by a service provider. The information to be provided includes at least: the mobile phone number, the license plate number and the associated automatic payment mode of the car owner.
Use of the service: after the registered vehicle enters a designated lane of the service provider, a camera on the lane captures a license plate number through a video recognition technology and transmits the license plate number to a payment management system (for example, an Electronic Payment System (EPS)) of the service provider to confirm whether the service is opened or not. The payment management system notifies the facilitator that other systems (e.g., retail management system) may begin providing the service and obtain the amount to be paid after the service.
And (4) completing payment: and after the payment management system acquires the payment amount, the vehicle pays in an associated automatic payment mode, and notifies other systems of the payment result to perform the next operation.
Vehicle driving-off: after receiving the notification of successful payment, the vehicle will leave the lane.
The risk that the vehicle is identified only through the license plate and paid is obvious, namely the authenticity of the license plate and whether the license plate is a fake-licensed vehicle cannot be judged, and wrong payment or no payment can be caused due to wrong identification, so that service risk and poor user experience are caused. The above risk can be avoided by letting the consumer confirm twice. However, this will increase the transaction time due to the increase of transaction complexity or the unsmooth network, and even cause the problems of long and short accounts.
Disclosure of Invention
The invention aims to overcome the technical defects and provides an enhanced authentication device for license plate payment, which can prevent the counterfeit license plate or fake license plate vehicle without secondary confirmation; and the existing resources of the service provider are directly utilized, and the service provider only needs to update the software.
In order to achieve the above purpose, the present invention provides a license plate payment method, including:
acquiring a license plate number and simultaneously acquiring a secondary verification image for verifying license plate payment;
analyzing the secondary verification image to obtain a verification code character string;
sending the license plate number and the verification code character string to a server for verification;
and receiving a verification result, and determining whether to pay according to the verification result.
As an improvement of the method, the verification code character string is generated by encrypting the TOKEN, the time parameter and the serial number string code.
As an improvement of the above method, the method further comprises: and if the secondary verification image cannot be acquired while the license plate number is acquired, the payment is refused.
The invention also provides a license plate payment device, which comprises:
the payment information acquisition module is used for acquiring the license plate number and acquiring a secondary verification image for verifying license plate payment; identifying the secondary verification image to obtain a verification code character string;
the sending module is used for sending the license plate number and the verification code character string to a server for verification;
and the receiving module is used for receiving the verification result and determining whether to pay according to the verification result.
The invention also provides a license plate payment authentication method, which comprises the following steps:
receiving a license plate number and a verification code character string;
acquiring a TOKEN and a serial number corresponding to the license plate number from a local database;
taking the current time as a reference, and acquiring M time values before and after the current time according to the time step;
encrypting the M time values with the acquired TOKEN and serial number serial numbers respectively to generate M character strings;
comparing the M character strings with the verification code character strings respectively, if one character string is the same as the verification code character string, passing the payment verification, otherwise, failing to pass the payment verification;
and sending a verification result.
As an improvement of the above method, the method further comprises: a unique Token is generated and stored for each license plate number.
As an improvement of the above method, the method further comprises: and acquiring and storing a serial number serial code corresponding to each license plate number.
As an improvement of the above method, before obtaining M time values before and after the current time according to the time step by using the current time as a reference, the method further includes:
decoding a time parameter from the validation code string;
and comparing the solved time parameter with the current time, and if the time difference between the two is greater than a set threshold value, sending a verification result that the payment verification fails.
The invention also provides a license plate payment authentication device, which comprises:
the receiving module is used for receiving the license plate number and the verification code character string;
the inquiry module is used for acquiring the TOKEN and the serial number serial code corresponding to the license plate number from a local database;
the character string generating module is used for acquiring M time values before and after the current time as a reference according to the time step; encrypting the M time values with the acquired TOKEN and serial number serial numbers respectively to generate M character strings;
the comparison module is used for comparing the M character strings with the verification code character strings respectively, if one character string is the same as the verification code character string, the payment verification is passed, otherwise, the payment verification is not passed;
and the sending module is used for sending the verification result.
The invention also provides a server comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method when executing the computer program.
The invention also provides an enhanced authentication system for license plate payment, which comprises:
the enhanced authentication device is used for encrypting the TOKEN, the local time parameter and the serial number string code together to generate a character string and converting the character string into a secondary verification image;
the license plate payment device is used for acquiring a license plate number and acquiring a secondary verification image for verifying license plate payment; analyzing the dynamic verification image to obtain a verification code character string; sending the license plate number and the verification code character string to a payment authentication device for verification; receiving a verification result, and determining whether to pay according to the verification result;
the license plate payment authentication device is used for receiving a license plate number and a verification code character string; acquiring a TOKEN and a serial number corresponding to the license plate number from a local database; taking the current time as a reference, and acquiring M time values before and after the current time according to the time step; encrypting the M time values with the acquired Token and serial number string codes respectively to generate M character strings; comparing the M character strings with the verification code character strings respectively, if one character string is the same as the verification code character string, passing the payment verification, otherwise, failing to pass the payment verification; and then sending the verification result to a license plate payment device.
Compared with the prior art, the invention has the technical advantages that:
1. the invention fully utilizes the existing hardware conditions and can be completed only by software upgrading;
2. by the system, wrong payment caused by the problems of fake license plate, identification error and the like can be completely avoided, customer complaints and operation risks are avoided, dynamic factors are added to enhance authentication of the license plate on the premise of not needing participation of a user, and the payment safety is improved;
3. the system can be applied to gas station payment, parking lot payment and road toll payment.
Drawings
FIG. 1 is a schematic view of the apparatus of the present invention mounted on a vehicle;
FIG. 2 is a schematic front view of the apparatus of the present invention;
FIG. 3 is a schematic reverse side view of the apparatus of the present invention;
FIG. 4 is a flowchart of the license plate payment verification process of the present invention.
Detailed Description
The technical solution of the present invention is described in detail below with reference to the accompanying drawings and specific embodiments.
The core idea of the technical scheme of the invention is as follows: a license plate recognition camera is added to capture dynamic verification images at the same time; the dynamic authentication image is generated and displayed by a low power consumption device that can be affixed to a windscreen; the low-power consumption device is embedded with a secure chip (SE), and the SE is provided with a corresponding application (Applet) at the time of factory shipment and matched with a unique dynamic factor mark (Token). As shown in fig. 1.
Therefore, the embodiment 1 of the invention provides an enhanced authentication device for license plate payment, which is arranged on a vehicle and is used for providing secondary verification for the license plate payment; the device comprises a display screen for displaying the dynamic verification code and a security chip for generating the dynamic verification code.
The security chip includes:
the storage unit is used for storing Token of the device and serial number serial codes of the identification device;
a clock for providing a time parameter;
and the dynamic verification image generation unit is used for encrypting the Token, the time parameter and the serial number string code together to generate a dynamic verification image. Generated by an Applet within the SE. The time parameter is the generation time of the dynamic verification image.
As shown in fig. 2, the display screen adopts an electronic ink screen with low power consumption. The dynamic verification image is a one-dimensional code, a two-dimensional code or a digital string. In the power-on state, the dynamic verification image on the electronic ink screen is always kept displayed and is updated according to the setting at the time of factory shipment and according to the fixed frequency (every minute or every 20 seconds and the like).
The device adopts the non-setting adhesive that has the function of preventing tearing open to paste in the front windshield of vehicle, in case bind with the vehicle, can not unbind, will not secondary usage, prevents to be maliciously moved. The attached position should not affect the driver's sight.
The device can also be fixed on the front windshield of the vehicle in other modes, and is also provided with an anti-dismounting switch, such as a spring; after the installation is finished, the anti-dismounting switch is contacted with the windshield. If the device is removed, the button will automatically pop up, at which point the device will be taken out of service.
The display screen should ensure that the display portion should not be obscured when the device is adhered to the windscreen. In addition, the device is also provided with a solar cell panel for supplying power to the device so as to ensure the cruising ability of the device.
The device can be closed by a vehicle owner, and the switch button is arranged on the back of the device. As shown in fig. 3.
The back of the device is also provided with a two-dimensional code used for identifying the device and a corresponding serial number string code used for binding when the service is opened.
Example 2
The technical scheme of the invention also relates to a server located at the cloud end, and the server generates TOKEN for each device of the embodiment 1 and records and stores the TOKEN in the server. At each transaction, the server will provide authentication services for the dynamic verification image.
The cloud service of the scheme mainly provides the following services:
batch generation of TOKEN: preparing Token data for device production
Binding of TOKEN to vehicle: binding Token with the unique vehicle identifier during the service registration phase.
Validation of TOKEN: and verifying the verification application transmitted by the payment system and returning a result.
Calibration of TOKEN: synchronized with the clock of the device.
It should be noted that TOKEN is a mature technical solution in the field of financial payment, and this solution is an extension of an application field and a mode in this technology.
In the service provisioning of the device in embodiment 1 of the present invention, the serial number of the device is added to the information that must be submitted, and the method may be performed by scanning the two-dimensional code or by manual input. The system of the service provider submits the relevant information to the cloud server, and the cloud server binds the license plate number with the TOKEN of the device.
After the service is opened, the license plate number, the serial number serial code of the enhanced authentication device and the TOKEN have a one-to-one correspondence relationship.
In the original service using process, the camera of the lane not only captures the license plate number, but also captures the dynamic verification image displayed by the device, the system of the service provider can correspondingly identify the license plate number, and the SDK provided by the service is called to identify and verify the information in the dynamic verification image and convert the information into the verification character string. Before payment is initiated, the system of the service provider sends the license plate number and the verification character string to the cloud server, the cloud server recalculates the parameters according to the binding relation by using the same operation rule as that in the device, verifies the character string and returns a verification result to the system of the service provider through the SDK, and the system of the service provider determines whether to refuse payment or carry out payment according to the result.
It should be noted that the clock of the apparatus in embodiment 1 of the present invention is synchronized with the cloud service at the time of factory shipment, so that the result of the above operation can be reproduced at the server side. In addition, according to the general principle of TOKEN system design, the system also uses a certain redundancy in time, ensuring the balance of availability and accuracy of the system.
The working process is as follows:
the camera captures the license plate number and simultaneously captures a dynamic verification image of the device,
and if the camera does not acquire the dynamic verification image, returning the result of failing to pass the verification to the system of the service provider through the SDK, and refusing payment by the system of the service provider.
After obtaining the dynamic verification image, the SDK analyzes the dynamic verification image to obtain a first character string, the obtained first character string and the license plate number are sent to a cloud server,
the cloud server calls a serial number string corresponding to the license plate number and a TOKEN corresponding to the license plate number according to the obtained license plate number,
the cloud server encrypts according to the called serial number, the TOKEN and the local current time, wherein the encryption algorithm is the same as the Applet algorithm in the device SE to obtain a second character string,
comparing the first character string with the second character string, if the first character string and the second character string are the same, the verification is passed,
the result of the verification is returned to the facilitator through the SDK, from which the facilitator will decide whether to deny payment or make payment.
Because a certain time difference exists between the sending time and the receiving time of the characters and the license plate, the server considers a certain buffer during calculation. As shown in fig. 4, the working process is as follows:
the camera captures the license plate number and simultaneously captures a dynamic verification image of the device,
and if the camera does not acquire the dynamic verification image, returning the result of failing to pass the verification to the system of the service provider through the SDK, and refusing payment by the system of the service provider.
After the dynamic verification image is obtained, the SDK analyzes the dynamic verification image to obtain a first character string;
sending the obtained first character string and the obtained license plate number to a cloud server; the server calls a serial number corresponding to the license plate number and a TOKEN corresponding to the license plate number according to the obtained license plate number,
the server encrypts the serial number string code, the TOKEN and the current time parameter according to the obtained serial number string code, the TOKEN and the current time parameter, the encryption algorithm is the same as the Applet algorithm in the device SE, a second character string is obtained,
during comparison, the current time is added with all step values in a value range which can be tolerated by Buffer for calculation, for example, the step length is 5 minutes, and 5 time values are respectively taken before and after the current time is taken as a reference; thus, a total of 11 values are obtained; the step size is not limited to 5 minutes, nor is the unit limited to minutes, and the unit and value of the step size are selected to be compatible with the update frequency of the moving image. The number of values is not limited to 5.
From the 11 time values, 11 second strings may be generated by encryption.
Comparing the first character string with 11 second character strings, if only one is the same, the verification is passed,
the results of the verification are returned to the facilitator's system via the SDK, from which the facilitator's system will decide whether to deny payment or make payment.
In addition, before the server generates the second character string, the server can also solve the time parameter from the verification code character string; comparing the time parameter with the current time, and if the difference value of the time parameter and the current time is within a set threshold range, for example, within 5 minutes, starting to generate a second character string; otherwise, the payment verification is considered to be failed.
According to the working process, a dynamic verification factor is added in the verification process, and if any one of the serial number string code and the TOKEN does not accord with the information corresponding to the license plate, the license plate payment cannot be finished. Under the condition of not needing user participation, the double authentication of the license plate and the dynamic factor is realized.
For the fake-licensed or fake-license vehicles, the enhanced authentication device is not provided, even if the enhanced authentication device is applied, the server can detect that the license plate number has opened the service, so that the application of the fake-licensed vehicles is refused. If the fake enhanced authentication device is used, the fake enhanced authentication device cannot forge the serial number and the TOKEN, cannot pass the verification of the server in the license plate payment process, and cannot finish payment. In this way, the safety of the owner of the vehicle having the enhanced authentication apparatus is ensured.
The invention point needs to be protected, wherein the second factor only needs to be identified through a camera and verified through a server side under the condition that the equipment of the service point does not need to be upgraded.
It is specifically stated that: the dynamic verification image can be any coding mode which can be identified by digitalization, such as a color two-dimensional code, a 3D code and the like, and the scope of the patent right is also included. The core idea of the scheme is that the camera in the lane captures the license plate, simultaneously captures a second dynamic verification element, uploads the second dynamic verification element to the server for verification, and a specific verification method.
Finally, it should be noted that the above embodiments are only used for illustrating the technical solutions of the present invention and are not limited. Although the present invention has been described in detail with reference to the embodiments, it will be understood by those skilled in the art that various changes may be made and equivalents may be substituted without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (11)
1. A license plate payment method, the method comprising:
acquiring a license plate number and simultaneously acquiring a secondary verification image for verifying license plate payment;
analyzing the secondary verification image to obtain a verification code character string;
sending the license plate number and the verification code character string to a server for verification;
and receiving a verification result, and determining whether to pay according to the verification result.
2. The license plate payment method of claim 1, wherein the verification code string is generated by encrypting a TOKEN, a time parameter and a serial number string.
3. The method for paying for the license plate of claim 1 or 2, further comprising: and if the secondary verification image cannot be acquired while the license plate number is acquired, the payment is refused.
4. A license plate payment device, the device comprising:
the payment information acquisition module is used for acquiring the license plate number and acquiring a secondary verification image for verifying license plate payment; identifying the secondary verification image to obtain a verification code character string;
the sending module is used for sending the license plate number and the verification code character string to a server for verification;
and the receiving module is used for receiving the verification result and determining whether to pay according to the verification result.
5. A license plate payment authentication method, the method comprising:
receiving a license plate number and a verification code character string;
acquiring a TOKEN and a serial number corresponding to the license plate number from a local database;
taking the current time as a reference, and acquiring M time values before and after the current time according to the time step;
encrypting the M time values with the acquired TOKEN and serial number serial numbers respectively to generate M character strings;
comparing the M character strings with the verification code character strings respectively, if one character string is the same as the verification code character string, passing the payment verification, otherwise, failing to pass the payment verification;
and sending a verification result.
6. The method for enhanced authentication of license plate payments of claim 5, further comprising: a unique Token is generated and stored for each license plate number.
7. The method for enhanced authentication of license plate payments of claim 6, further comprising: and acquiring and storing a serial number serial code corresponding to each license plate number.
8. The method for enhanced authentication of license plate payment according to one of claims 5-7, wherein before obtaining M time values before and after the current time as a reference according to a time step, further comprising:
decoding a time parameter from the validation code string;
and comparing the solved time parameter with the current time, and if the time difference between the two is greater than a set threshold value, sending a verification result that the payment verification fails.
9. A license plate payment authentication apparatus, the apparatus comprising:
the receiving module is used for receiving the license plate number and the verification code character string;
the inquiry module is used for acquiring the TOKEN and the serial number serial code corresponding to the license plate number from a local database;
the character string generating module is used for acquiring M time values before and after the current time as a reference according to the time step; encrypting the M time values with the acquired TOKEN and serial number serial numbers respectively to generate M character strings;
the comparison module is used for comparing the M character strings with the verification code character strings respectively, if one character string is the same as the verification code character string, the payment verification is passed, otherwise, the payment verification is not passed;
and the sending module is used for sending the verification result.
10. A server comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 5 to 8 when executing the computer program.
11. An enhanced authentication system for license plate payments, the system comprising:
the enhanced authentication device is used for encrypting the TOKEN, the local time parameter and the serial number string code together to generate a character string and converting the character string into a secondary verification image;
the license plate payment device is used for acquiring a license plate number and acquiring a secondary verification image for verifying license plate payment; analyzing the dynamic verification image to obtain a verification code character string; sending the license plate number and the verification code character string to a payment authentication device for verification; receiving a verification result, and determining whether to pay according to the verification result;
the license plate payment authentication device is used for receiving a license plate number and a verification code character string; acquiring a TOKEN and a serial number corresponding to the license plate number from a local database; taking the current time as a reference, and acquiring M time values before and after the current time according to the time step; encrypting the M time values with the acquired Token and serial number string codes respectively to generate M character strings; comparing the M character strings with the verification code character strings respectively, if one character string is the same as the verification code character string, passing the payment verification, otherwise, failing to pass the payment verification; and then sending the verification result to a license plate payment device.
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| CN113920598A (en) * | 2021-11-12 | 2022-01-11 | 中国工商银行股份有限公司 | Non-inductive payment method, system, device, medium and program product |
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| CN113920598A (en) * | 2021-11-12 | 2022-01-11 | 中国工商银行股份有限公司 | Non-inductive payment method, system, device, medium and program product |
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