WO2009065278A1 - Système et procédé pour réaliser une carte-chèque électronique personnelle - Google Patents

Système et procédé pour réaliser une carte-chèque électronique personnelle Download PDF

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Publication number
WO2009065278A1
WO2009065278A1 PCT/CN2007/071267 CN2007071267W WO2009065278A1 WO 2009065278 A1 WO2009065278 A1 WO 2009065278A1 CN 2007071267 W CN2007071267 W CN 2007071267W WO 2009065278 A1 WO2009065278 A1 WO 2009065278A1
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WO
WIPO (PCT)
Prior art keywords
electronic check
unionpay
personal electronic
service center
card
Prior art date
Application number
PCT/CN2007/071267
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English (en)
Chinese (zh)
Inventor
Wanchun Hou
Original Assignee
Wanchun Hou
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
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Application filed by Wanchun Hou filed Critical Wanchun Hou
Publication of WO2009065278A1 publication Critical patent/WO2009065278A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices

Definitions

  • the present invention relates to the field of mobile communication technologies and the field of finance, and in particular to systems and methods for implementing personal electronic check cards.
  • the invention can be implemented on the basis of an existing UnionPay card or similar UnionPay card.
  • the personal electronic check card is a new concept proposed by the present invention, and is defined as follows:
  • the personal electronic check card is a UnionPay card
  • the UnionPay card account is set in a database of the personal electronic check card service center of the present invention
  • the personal electronic check card service center associates the UnionPay card account with a bank card account and a mobile communication number, so that the UnionPay card has the following characteristics: 1.
  • the mobile terminal receives the check number signed by the user returned by the personal electronic check card service center and the temporary password available for online payment, and the validity period, within which the UnionPay card has The payment function of the bank card, the bank card can complete the consumption payment within the specified amount through the UnionPay card at the POS of the merchant; 2.
  • Point of Sale refers to the point-of-sale terminal. It is a multi-function terminal. It can be installed in the special merchants of the bank card and the acceptance network to connect to the computer to form a network. Transfer, which has the functions of support consumption, pre-authorization, balance inquiry and transfer, and is safe, fast and reliable to use. Background technique
  • the inventor believes that: if the shortcomings in the above POS payment activities are overcome, Using mobile phone terminals as a control tool and establishing a personal electronic check card service center based on mobile communication networks and e-commerce services, based on mobile communication networks and POS networks, will provide mobile phone users with convenient, fast and secure E-commerce services, especially in the case of the increasing popularity of mobile phone networks and computer Internet networks, the demand for convenience and secure payment has gradually increased. Therefore, meeting the convenience and security needs of people's e-commerce transfer is not only a scientific research subject faced by technicians, but also a service project that needs to be provided as soon as possible in the financial field.
  • the existing computer technology, network technology and mobile communication technology make the technical idea of the personal electronic check card proposed by the inventor for the first time possible, that is to say, the technology for establishing an operation system for providing personal electronic check to the user is provided. stand by. Therefore, the concept proposed by the inventors for the first time using a personal electronic check card for POS consumption or payment has been established.
  • the present invention provides a system for implementing a personal electronic check card by using the system to enable a user to conveniently sign a personal electronic check through a mobile phone and to use a personal electronic check card at the merchant's POS. Or securely and conveniently transfer and consume on the Internet, securely withdraw cash at the bank's ATM.
  • the present invention also provides a method of implementing a personal electronic check card.
  • the general technical idea of the present invention is to establish a personal electronic check card service center, open a UnionPay card account for the mobile phone user at the personal electronic check card service center, and the mobile phone user sets its mobile phone number, UnionPay card account and its bank.
  • the account establishes a correspondence relationship in the personal electronic check card service center, and utilizes the short message, voice dialing, data service and the like functions of the mobile phone, so that the user sends a check instruction for signing the specified amount to the individual through the mobile phone.
  • the electronic check card service center retrieves the corresponding UnionPay card account according to the mobile phone number of the user, and generates a temporary payment password, and then establishes the account including the UnionPay card, the payment amount, and the temporary Paying an electronic check record of the password and the expiration date, and then transmitting the temporary payment password to the mobile phone user; when the user uses the UnionPay card to make a consumption transfer at the merchant POS, the merchant selects at the POS After consumption, according to POS prompts and input consumption The POS prompts the user to input a password, the user inputs the temporary payment password, and the POS sends a consumption transfer command to the personal electronic check card service center, and the personal electronic check card service center is based on the UnionPay card
  • the account verification whether there is an electronic check record matching the consumption transfer, if the verification fails, the transaction unexecutable message is returned to the POS, and the POS gives a prompt that the transaction is unsuccessful, otherwise, the individual
  • the electronic check card service center retrieves the account based on
  • a system for implementing a personal electronic check card including: a mobile phone terminal, a UnionPay special payment acceptance device, a mobile access gateway device, a payment service access gateway device, a bank transaction gateway device, a personal electronic check card service center, said mobile
  • the telephone terminal is interconnected with the mobile access gateway device through a mobile communication network
  • the mobile access gateway device is interconnected with the personal electronic check card service center through the data network, and is used for realizing information between the personal electronic check card service center and the mobile phone terminal.
  • the UnionPay special payment acceptance device is interconnected with the payment service access gateway device through the payment data network
  • the payment service access gateway device is interconnected with the personal electronic check card service center through the data network, and is used to implement the UnionPay special payment acceptance.
  • the bank transaction gateway device is interconnected with the personal electronic check card service center through the data network for realizing the transfer between the bank account and the UnionPay card account;
  • Check card service center It is a computer database application server, which is used to establish a UnionPay card account for a mobile phone user, establish a correspondence relationship between a banknote card account and a bank account, and establish a correspondence relationship between the mobile phone number and the UnionPay card account, according to the generation of the mobile phone terminal.
  • the electronic check request instruction establishes the electronic check record information including the UnionPay card account number, the payment amount, the temporary payment password and the expiration date, and checks the cheque information for the purchase and transfer request of the UnionPay card account, and realizes the transfer of the bank account to the UnionPay card account, according to
  • the setting condition of the user generates an automatic transfer electronic check record, sends the electronic check to the user's mobile phone terminal, receives the electronic check information signed by the user through the mobile phone terminal, and realizes the transfer of the UnionPay card account to the merchant;
  • the terminal is configured to: the user initiates an instruction to generate a record of the specified amount of the electronic check to the personal electronic check card service center, and receives the electronic check number signed by the user returned by the personal electronic check card service center and is available for Receiving the temporary password and the expiration date information, receiving the auto-transfer electronic check generated by the personal electronic check card service center waiting to be signed, and sending the signed electronic check information to the personal electronic check card service center;
  • the receiving device is configured
  • the UnionPay special payment acceptance device refers to a POS; or the UnionPay special payment acceptance device refers to an ATM; or the UnionPay special payment acceptance device refers to an Internet store contracted with UnionPay; or the UnionPay special payment
  • the acceptance equipment refers to the accounting computer that is responsible for business charges signed with UnionPay.
  • the personal electronic check card is a UnionPay card, and the UnionPay card account is set in a database of the personal electronic check card service center, and the personal electronic check card service center connects the UnionPay card account with a bank card account.
  • the UnionPay card has the following feature: when the UnionPay card user sends a check instruction for signing the specified amount to the personal electronic check card service center through the mobile terminal, the mobile terminal receives the individual The electronic check number signed by the user returned by the electronic check card service center and the temporary password that can be used for online payment and the expiration date, within the validity period, the UnionPay card has the payment function of the bank card, and the user can be in the merchant's UnionPay
  • the transfer payment receiving device completes the transfer not higher than the specified amount through the UnionPay card; when the UnionPay card user has the automatic transfer service, if an automatic transfer service occurs, the user's mobile terminal receives Quota generated by the personal electronic check card service center An electronic check, if the user sends a signed electronic check instruction to the personal electronic check card service center, the personal electronic check card service center completes the automatic transfer service, when the electronic check exceeds the validity period, The personal electronic check card service center automatically cancels the automatic transfer service; if the UnionPay card user does not sign
  • the mobile terminal After the user sends a check instruction within the specified amount to the personal electronic check card service center through the mobile terminal, the mobile terminal receives the electronic check number signed by the user and returned by the personal electronic check card service center.
  • the temporary password for payment on the Internet and the expiration date, within the validity period, the user can complete the transfer payment of not higher than the specified amount through the UnionPay card on the UnionPay special payment acceptance device of the merchant;
  • the user's mobile terminal receives a fixed electronic check generated by the personal electronic check card service center, if the user sends the signature
  • the electronic check card service center completes the automatic transfer service by the electronic check card service center, otherwise, the personal electronic check card service center automatically after the electronic check exceeds the validity period Cancel the automatic transfer business;
  • the UnionPay card will be used by the personal electronic check card service center when making a purchase or transfer or withdrawing or paying. Rejected; after the user signs the electronic check, the user uses his electronic check card, ie, the UnionPay card, to transfer or consume or cash on the UnionPay special payment acceptance device, and the UnionPay special payment acceptance device sends a specified amount of payment request command to The personal electronic check card service center, the personal electronic check card service center verifies whether there is an electronic check record matching the transfer or consumption or cash withdrawal service according to the account of the UnionPay card, and if the verification fails, the transaction is The unexecutable result is returned to the UnionPay special payment acceptance device, and the UnionPay special payment acceptance device gives a prompt that the transaction is unsuccessful.
  • the personal electronic check card service center searches according to the account of the UnionPay card. Exit its corresponding bank account, pass The bank transaction gateway device sends an instruction to transfer the specified amount of funds to the personal electronic check card service center to the bank to which the bank account belongs, the bank returns the operation result of the transaction, and the personal electronic check card service The center returns the operation result to the UnionPay special payment acceptance device, and the transaction is completed after the UnionPay special payment acceptance device processes the transaction result.
  • the technical effects of the present invention are as follows:
  • the invention provides a personal electronic check card service through the China UnionPay transaction system on the basis of the existing bank account system, so that the mobile phone terminal user can sign the electronic check through the mobile phone, and the signed electronic check card can be on the merchant's POS.
  • the transfer payment can be made on the Internet, and various service fees can be conveniently paid. Therefore, the present invention has obvious value in protecting the user's bank card information security and convenient user payment.
  • FIG. 1 is a schematic structural diagram of a system for implementing a personal electronic check card according to the present invention.
  • FIG. 2 is a schematic diagram showing the structure of a system in which the electronic check card of the first embodiment is consumed on the POS.
  • FIG. 3 is a schematic structural diagram of a system for paying an electronic check card according to the second embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of a system for online payment of an electronic check card according to Embodiment 3 of the present invention. detailed description
  • Figure 1 is a schematic diagram of a system structure for implementing a personal electronic check card, wherein:
  • the mobile phone terminal 150 is connected to the mobile access gateway device 110 via a mobile communication network;
  • the UnionPay special payment acceptance device 140 connects to the payment service access gateway device 120 through the payment data network;
  • the personal electronic check card service center 100 is interconnected with the mobile access gateway device 110, the payment service access gateway device 120, and the bank transaction gateway device 130 via a data network.
  • the user's UnionPay card account is opened in the database of the personal electronic check card service center 100, and the banknote card account is associated with a bank card account of the user and a mobile communication number of the user, and the UnionPay card is called an electronic Check card
  • the mobile phone terminal 150 When the electronic check card user sends a check instruction within the specified amount to the personal electronic check card service center 100 through the mobile phone terminal 150, the mobile phone terminal 150 receives the electronic check number signed by the user returned by the personal electronic check card service center 100. And a temporary password usable for online payment and an expiration date, during which the user can complete the transfer payment of not higher than the specified amount through the UnionPay card on the UnionPay special payment acceptance device 140 of the merchant;
  • the user's mobile phone terminal 150 receives a fixed electronic check generated by the personal electronic check card service center 100, if the user sends a signature
  • the personal electronic check card service center 100 completes the automatic transfer service. Otherwise, after the electronic check exceeds the validity period, the personal electronic check card service center 100 automatically cancels the Automatic transfer business;
  • the electronic check card service center 100 If the electronic check card user does not sign the electronic check through his mobile phone terminal 150, or the signed electronic check exceeds the expiration date, the electronic check card will be rejected by the personal electronic check card service center 100 when making or transferring money or withdrawing or paying. ;
  • the user uses his electronic check card, ie, the UnionPay card, to transfer or consume or cash on the UnionPay special payment acceptance device 140, and the UnionPay special payment acceptance device 140 sends a payment request command of the specified amount.
  • the personal electronic check card service center 100 verifies whether there is an electronic check record matching the transfer or consumption or cash withdrawal service according to the account of the UnionPay card, and if the verification fails, the transaction cannot be processed. The result of the execution is returned to the UnionPay special payment acceptance device 140, and the UnionPay special payment acceptance device 140 gives a prompt that the transaction is unsuccessful. Otherwise, the personal electronic check card service center 100 retrieves the corresponding bank account according to the account of the UnionPay card.
  • FIG. 2 is a structural diagram of a system for consuming an electronic check card on a POS according to a first embodiment of the present invention, wherein: the special payment acceptance device is P0S240, which is a consumer P0S installed by UnionPay;
  • the payment service access gateway device is a P0S interface machine 220, which is a P0S front-end machine of a silver online room;
  • the bank transaction gateway device is a bank card transaction host 230 of the silver online room;
  • the mobile phone terminal 150 sends the transaction amount to the personal electronic check by the short message to sign the access number, and the short message is sent to the mobile access gateway 110 via the mobile communication network, and the mobile access gateway 110 sends the short message to the personal electronic Check card service center 100;
  • the mobile telephone terminal 150 signs the voice access number additional transaction amount by dialing an electronic check, and the call message is sent to the mobile access gateway 110 via the mobile communication network, and the mobile access gateway 110 sends the message to the personal electronic check card service.
  • Center 100 the mobile telephone terminal 150 signs the voice access number additional transaction amount by dialing an electronic check, and the call message is sent to the mobile access gateway 110 via the mobile communication network, and the mobile access gateway 110 sends the message to the personal electronic check card service.
  • Center 100 the mobile telephone terminal 150 signs the voice access number additional transaction amount by dialing an electronic check
  • the mobile phone terminal 150 operates by logging in to the personal electronic check WAP webpage via the mobile communication network via the WAP mode;
  • the personal electronic check card service center 100 transmits the number, validity period and temporary password of the online payment signed by the user to the mobile phone terminal 150 of the user through the short message;
  • the personal electronic check card service center 100 sends an automatic transfer electronic check that needs to be signed by the user to the mobile phone terminal 150 of the user through the multimedia message;
  • the personal electronic check card service center 100 sends an electronic check that requires the user to sign the automatic transfer text to the mobile phone terminal 150 of the user through the MMS;
  • the personal electronic check card service center 100 establishes the UnionPay card account and moves.
  • the phone number and the bank account and returning the account opening operation result message;
  • the user transmits the personal electronic check card voice access number
  • the mobile access gateway 110 collects the user's phone number and the bank card number, password, and UnionPay card number entered by the mobile access gateway 110, and transmits the data to the personal electronic check card service center 100.
  • the personal electronic check card service center 100 establishes a correspondence between the banknote card account number, the mobile phone number and the bank account number, and returns an account opening operation result message;
  • the electronic check record signed by the user at the personal electronic check card service center 100 includes field information such as a UnionPay card number, a quota, an expiration date, and a temporary payment password.
  • the user uses his electronic check card (ie, UnionPay card) to consume on the P0S240, and the P0S240 sends a specified amount of the purchase request command to the personal electronic check card service center 100 via the P0S interface machine 220, and the personal electronic check card service center 100 according to the UnionPay
  • the account verification of the card indicates whether there is an electronic check record matching the consumption amount. If the verification fails, the result that the transaction cannot be executed is returned to the POS 240, and the POS 240 gives a prompt that the transaction is unsuccessful. Otherwise, the personal electronic check card service center 100.
  • FIG. 3 is a system structural diagram of an electronic check card payment according to Embodiment 2 of the present invention, wherein: the UnionPay special payment acceptance device is an operator charging device 340, which is a payment merchant signed by UnionPay;
  • the payment service access gateway device is a payment interface machine 320, which is a front-end machine of the personal electronic check card service center 100;
  • the bank transaction gateway device is a bank card transaction host 230 of the silver online room;
  • the mobile telephone terminal 150 signs the voice access number additional transaction amount by dialing an electronic check, and the call message is sent to the mobile access gateway 110 via the mobile communication network, and the mobile access gateway 110 sends the message to the personal electronic check card.
  • the service center 100 after the personal electronic check card service center 100 generates the electronic check record according to the message and the mobile phone number, sends the number, expiration date and temporary password of the online payment to the mobile phone terminal of the user through the short message. 150;
  • the payment interface machine 320 sends a payment request command to the personal electronic check card service center 100, and the personal electronic check card service center 100 is The account of the UnionPay card verifies whether there is an electronic check record matching the consumption amount. If the verification fails, the result that the transaction cannot be executed is returned to the operator charging device 340, and the operator charging device 340 generates the transaction unsuccessfully. Recording information, otherwise, the personal electronic check card service center 100 retrieves its corresponding bank account according to the account of the UnionPay card, and sends the amount to the specified amount through the UnionPay transaction host 230, and the merchant is the personal electronic check card service center 100.
  • the personal electronic check card service center 100 retrieves its corresponding bank account according to the account of the UnionPay card, and sends the amount to the specified amount through the UnionPay transaction host 230, and the merchant is the personal electronic check card service center 100.
  • FIG. 4 is a structural diagram of a system for online payment of an electronic check card according to Embodiment 3 of the present invention, wherein: the UnionPay special payment acceptance device is an online store 440, which is an Internet merchant signed by UnionPay;
  • the payment service access gateway device is a payment interface machine 320, which is a front-end machine of the personal electronic check card service center 100;
  • the bank transaction gateway device is a bank card transaction host 230 of the silver online room;
  • the mobile phone terminal 150 sends the transaction amount to the personal electronic check by the short message to sign the access number, and the short message is sent to the mobile access gateway 110 via the mobile communication network, and the mobile access gateway 110 sends the short message to the personal electronic
  • the check card service center 100 after the personal electronic check card service center 100 generates the electronic check record according to the short message and the mobile phone number, sends the electronic check number, the expiration date and the temporary password for online payment to the user through the short message.
  • Mobile phone terminal 150
  • the payment interface machine 320 After the online store 440 receives the payment request of the specified amount of the electronic check card (ie, the UnionPay card), the payment interface machine 320 sends a payment request command to the personal electronic check card service center 100, and the personal electronic check card service center 100 according to the The account of the UnionPay card verifies whether there is an electronic check record matching the consumption amount. If the verification fails, the result that the transaction cannot be executed is returned to the online store 440, and the online store 440 generates a prompt message that the transaction is unsuccessful, otherwise, the individual The electronic check card service center 100 retrieves the corresponding bank account number according to the account of the UnionPay card, and sends a purchase request instruction for the specified amount by the UnionPay transaction host 230 to the personal electronic check card service center 100.
  • the payment interface machine 320 After the online store 440 receives the payment request of the specified amount of the electronic check card (ie, the UnionPay card), the payment interface machine 320 sends a payment request command to the personal electronic check card service center 100, and the personal electronic
  • the bank to which the bank account belongs the bank returns the transaction result to the personal electronic check card service center 100 via the UnionPay transaction host 230, and the personal electronic check card service center 100 returns the operation result to the online store 440, and the online store 440 follows the Transaction result prompt.
  • the above-described examples are merely preferred embodiments of the present invention, and it should be noted that those skilled in the art can also make several improvements and retouchings without departing from the principles of the present invention. It should also be considered as the scope of protection of the present invention.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention porte sur un système et sur un procédé destinés à produire une carte-chèque électronique personnelle. Le système et le procédé fournissent le service de carte-chèque électronique personnelle par l'intermédiaire du système de transaction China UnionPay selon le système de compte bancaire existant, de telle sorte qu'un utilisateur de terminal de téléphone mobile peut signer un chèque électronique par l'intermédiaire de son téléphone mobile. La carte-chèque électronique signée est très pratique pour effectuer une transaction bancaire, acheter des biens de consommation à un point de vente, effectuer un paiement par Internet ainsi que pour payer des frais de fonctionnement.
PCT/CN2007/071267 2007-11-19 2007-12-19 Système et procédé pour réaliser une carte-chèque électronique personnelle WO2009065278A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN200710177629.3 2007-11-19
CNB2007101776293A CN100485727C (zh) 2007-11-19 2007-11-19 实现个人电子支票卡的系统和方法

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WO2009065278A1 true WO2009065278A1 (fr) 2009-05-28

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CN (1) CN100485727C (fr)
WO (1) WO2009065278A1 (fr)

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CN101986336A (zh) * 2010-10-21 2011-03-16 陈祁麟 电子支票支付系统以及电子支票支付方法
CN102868712B (zh) * 2011-07-06 2015-03-18 阿里巴巴集团控股有限公司 一种数据传输方法及系统
CN103020817A (zh) * 2012-12-18 2013-04-03 施爱龙 联名账户网络支付方法
CN104077841A (zh) * 2013-03-27 2014-10-01 宝利数码有限公司 移动身份认证及支付的方法和系统
CN104933566B (zh) * 2014-03-20 2019-02-26 华为软件技术有限公司 多用途储值凭证的使用方法和移动支付系统
CN104657847A (zh) * 2015-02-13 2015-05-27 吴勇 一种限额码的支付方法
TW201643789A (zh) * 2015-06-14 2016-12-16 西維普拉斯有限責任公司 用於電子交易及使用者認證的安全性
CN106651379A (zh) * 2016-11-17 2017-05-10 北京小米移动软件有限公司 支付方法及装置

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CN1350393A (zh) * 2000-10-24 2002-05-22 林一仲 移动支付系统
CN1581186A (zh) * 2004-05-21 2005-02-16 叶海峰 一种手机支付系统及方法

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CN100485727C (zh) 2009-05-06

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