WO2019205141A1 - 一种便捷支付系统及方法 - Google Patents

一种便捷支付系统及方法 Download PDF

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Publication number
WO2019205141A1
WO2019205141A1 PCT/CN2018/085100 CN2018085100W WO2019205141A1 WO 2019205141 A1 WO2019205141 A1 WO 2019205141A1 CN 2018085100 W CN2018085100 W CN 2018085100W WO 2019205141 A1 WO2019205141 A1 WO 2019205141A1
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Prior art keywords
payment
time
mobile phone
fingerprint
offline
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PCT/CN2018/085100
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English (en)
French (fr)
Inventor
陈志新
赵荣村
郑海彬
梁家豪
吴承嗣
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深圳蓝贝科技有限公司
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Priority to PCT/CN2018/085100 priority Critical patent/WO2019205141A1/zh
Publication of WO2019205141A1 publication Critical patent/WO2019205141A1/zh

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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

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  • the present invention relates to the field of mobile payment, and in particular, to a convenient payment system and method.
  • Mobile payment has become a trend, so how to provide convenient and secure payment has become a trend. Users can use mobile payment by taking a mobile phone and using mobile payment, and users can use mobile payment without using a mobile phone or networking. This payment method is safe and convenient, and can be used by everyone.
  • connection mode need mobile client, App, networking. Mobile payments cannot be made if there is a problem with the network.
  • offline mode need a mobile client, generate offline code in the mobile client, the mobile client saves the key and code library generated by the offline code. There is a risk of being compromised. If the key and code base are stolen by a Trojan on the phone, there is a risk that the offline code will be stolen.
  • the object of the present invention is to overcome the deficiencies of the prior art, and provide a convenient payment system and method based on fingerprint identification and adopting offline payment, without relying on network and mobile terminal, and having high security.
  • a convenient payment system includes a payment client, a payment server, and a settlement server; the payment client is deployed on a merchant terminal that receives money, and installs a fingerprint collector, a mobile phone number input module, a clock module, and a payment client program.
  • an offline code sender the fingerprint collector, the mobile phone number input module, and the clock module are connected to the payment client program input end, and the payment client program generates a one-time offline payment code according to the fingerprint, the time, and the mobile phone number
  • the payment client program output is connected to the offline code sender; the payment client establishes a communication connection with the payment server via the local area network; the payment server is provided with a database; the payment server is located between the payment client and the settlement server; The settlement server needs to perform pre-charge, which includes the administrator manually entering the recharge and the Internet recharge of the consumer borrowing the third-party payment platform.
  • the payment client program generates an 18-bit one-time offline payment code by using an encryption algorithm by using an encryption algorithm, and sends the same to the payment server, and the fingerprint and time are encrypted into 6-bit characters.
  • the first key of the string is
  • the payment server receives the offline payment code, and decrypts the mobile phone number by using the first key, and queries the user information associated with the mobile phone in the database through the mobile phone number, thereby searching for the fingerprint in the user information according to the query.
  • the data and time calculate the second key, and compare the calculated second key with the first key transmitted by the client.
  • the encryption algorithm adopts HMAC-based One-Time Password, which is a one-time password encrypted based on the HMAC algorithm, and the algorithm takes a value according to a certain unit at a current time, and takes the value and the fingerprint.
  • the data uses the HASH algorithm to calculate a 6-bit string.
  • a convenient payment method including the following steps:
  • Step A The user registers the payment account
  • Step B Enable offline payment and enter a fingerprint on the payment client
  • Step C The payment client program generates a one-time offline payment code according to the fingerprint, the time, and the mobile phone number, and sends the same to the payment server, and the fingerprint and the time are encrypted into the first key;
  • Step D The payment server receives the offline payment code, and decrypts the mobile phone number by using the first key, and queries the user information associated with the mobile phone in the database through the mobile phone number;
  • Step E calculating the second key by using the fingerprint data and time in the query to the user information, and comparing the calculated second key with the first key transmitted by the client;
  • Step F After the comparison is successful, the deduction operation is performed.
  • step C the method for generating an offline payment code includes: encrypting a fingerprint and a time into a 6-bit character string by using an encryption algorithm, the 6-bit character string being the first key; using the 6-bit character string
  • the mobile phone number is reversibly encrypted into a 10-bit character string; the 10-digit character string and the 6-digit character string are scattered according to the replacement algorithm, and then a specific payment code is spliced to form an 18-bit character string.
  • the encryption algorithm adopts HMAC-based One-Time Password, which is a one-time password encrypted based on the HMAC algorithm, and the algorithm takes a value according to a certain unit at a current time, and takes the value and the fingerprint.
  • the data uses the HASH algorithm to calculate a 6-bit string.
  • step D after receiving the offline payment code, the server extracts the 16-bit character string from the 18-bit string, and changes the 16-bit string to the top ten mobile phone number according to the reverse replacement algorithm, and the last six digits.
  • the first key after receiving the offline payment code, the server extracts the 16-bit character string from the 18-bit string, and changes the 16-bit string to the top ten mobile phone number according to the reverse replacement algorithm, and the last six digits. The first key.
  • step D the user information includes fingerprint data and a balance of the user.
  • step E the time includes a time when the payment client program generates the offline payment code and a time when the payment server receives the offline payment code.
  • the present invention has the beneficial effects that the present invention generates a one-time offline payment code method based on fingerprint identification, using the user's fingerprint, time, and mobile phone number, so that the consumer does not rely on the network and does not rely on the mobile terminal.
  • the device can also make payments, which greatly facilitates the consumer's consumption experience and ensures the safety and reliability of system communication.
  • FIG. 1 is a schematic block diagram of a convenient payment system according to Embodiment 1 of the present invention.
  • Embodiment 2 is a flow chart of a convenient payment method according to Embodiment 2 of the present invention.
  • the embodiment provides a convenient payment system, including a payment client, a payment server, and a settlement server.
  • the payment client is deployed on the merchant terminal of the payment, and the fingerprint collector, the mobile phone number input module, and the clock are installed.
  • the module, the payment client program and the offline code sender; the fingerprint collector, the mobile phone number input module, the clock module and the payment client program input end, and the payment client program generates a one-time offline payment according to the fingerprint, the time and the mobile phone number.
  • the payment client program output is connected to the offline code sender; the payment client establishes a communication connection with the payment server through the local area network; the payment server has a database; the payment server is between the payment client and the settlement server; and the settlement server needs to perform the pre-payment Top-up, which includes administrators manually entering recharges and Internet recharges by consumers borrowing third-party payment platforms.
  • Implementation principle use the mobile phone number input module and fingerprint collector on the payment client to input the mobile phone number and enter the fingerprint respectively, and the payment client program generates a one-time offline payment code according to the current time displayed by the clock module, and sends it to the payment server.
  • the fingerprint and the time are encrypted into a first key; the payment server receives the offline payment code, and decrypts the mobile phone number by using the first key, and queries the user information associated with the mobile phone through the mobile phone number; and uses the query to the user information.
  • the second key is calculated by the fingerprint data and the time, and the calculated second key is compared with the first key transmitted by the client; after the comparison is successful, the debit operation is performed.
  • the consumer can make payment without relying on the network and relying on the mobile terminal device, thereby greatly facilitating the consumer's consumption experience and ensuring the security and reliability of the system communication.
  • the payment client program generates an 18-bit one-time offline payment code by using an encryption algorithm, and sends the fingerprint to the payment server, and the fingerprint and time are encrypted into a first 6-character string. Key.
  • the encryption algorithm uses an HMAC-based One-Time Password, which is a one-time password encrypted based on the HMAC algorithm.
  • the algorithm takes a value according to a certain unit at a current time, and uses the value and the fingerprint data.
  • the 6-bit character string is calculated using the HASH algorithm.
  • this embodiment provides a convenient payment method, including the following steps:
  • Step A The user registers the payment account
  • Step B Enable offline payment and enter a fingerprint on the payment client
  • Step C The payment client program generates a one-time offline payment code according to the fingerprint, the time, and the mobile phone number, and sends the same to the payment server, and the fingerprint and the time are encrypted into the first key;
  • the method for generating an offline payment code includes: using a encryption algorithm to encrypt a fingerprint and a time into a 6-bit character string, the 6-bit string is the first key; and the mobile phone number is reversibly encrypted into 10 by using a 6-bit string. a string of bits; a 10-bit string, a 6-bit string is broken according to the replacement algorithm, and then a specific payment code is stitched to form an 18-bit string (one-time, within a specific time range, Only appear once).
  • the encryption algorithm adopts HMAC-based One-Time Password, which is a one-time password encrypted based on HMAC algorithm.
  • the algorithm takes a value according to a certain unit, such as minutes and hours, and takes the value and fingerprint.
  • the data uses the HASH algorithm to calculate a 6-bit string.
  • Step D The payment server receives the offline payment code, and decrypts the mobile phone number by using the first key, and queries the user information associated with the mobile phone in the database by using the mobile phone number, where the user information includes the fingerprint data and the balance of the user;
  • the server After receiving the offline payment code, the server extracts the 16-bit character string from the 18-bit character string, and changes the 16-bit character string into the top ten mobile phone number and the last six digits of the first key according to the reverse replacement algorithm.
  • Step E calculating the second key by using the fingerprint data and time in the query to the user information, and comparing the calculated second key with the first key transmitted by the client;
  • the time includes a time when the payment client program generates the offline payment code and a time when the payment server receives the offline payment code.
  • the time received by the server may be 2018-01-09 12:00:00, so the server must calculate the key of two time (2018-01-09 11:59:00, 2018-01- 09 12:00:00), and as long as one of the matches is successful, it is successful.
  • Step F After the comparison is successful, the deduction operation is performed. If the comparison fails, re-enter the phone number and/or enter the fingerprint until the comparison is successful. In the deduction operation, if the deduction fails, the representative balance is insufficient and the recharge operation should be performed.
  • the present invention enables a user to make a payment without using a mobile phone or networking.
  • the user can carry out mobile payment conveniently and safely.
  • the fingerprint generates a one-time payment code (one-time, only within a specific time range, only once).
  • the payment server will determine if the code has been used within a certain time frame.
  • the key for generating the offline code is the fingerprint data of the user, and is not stored in any terminal device (mobile phone, computer, tablet) that is easily stolen.
  • the code is closely related to the user, and the different users utilize the same 6 at any time. Bit-encrypted strings, whose reversible encrypted strings are different, ensure that no other people's money is detained, ensuring security.

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Abstract

一种便捷支付系统及方法，系统包括支付客户端、支付服务器和结算服务器；支付客户端部署在收款的商户终端上，其安装了指纹采集器、手机号码输入模块、时钟模块、支付客户端程序和离线码发送器；指纹采集器、手机号码输入模块、时钟模块与支付客户端程序输入端连接，支付客户端程序根据指纹、时间、手机号码生成一次性离线支付码，支付客户端程序输出端连接离线码发送器；支付客户端与支付服务器通过局域网建立通信连接；支付服务器设有一数据库；支付服务器介于支付客户端与结算服务器之间；结算服务器需要进行预充值。本系统及方法基于指纹识别，采用离线支付的方式，无需依赖网络和移动终端，安全性高。

Description

一种便捷支付系统及方法 技术领域
本发明涉及移动支付领域，尤其涉及一种便捷支付系统及方法。
背景技术
目前移动支付成为一种潮流，因此如何提供便捷、安全的支付也成为一种趋势。用户从拿一个手机、联网使用移动支付，到用户不用拿手机、不用联网也能使用移动支付。这种支付方式既安全，又便捷，人人都可以使用。
目前基于移动APP、移动客户端的方式，从便捷来看不够：打开APP、点击付款码、输入支付密码。针对这种情况，有两个不足：
1、连线模式：需要手机客户端、App、联网。如果网络出现问题，则无法进行移动支付。
2、离线模式：需要手机客户端，在手机客户端产生离线码，手机客户端保存离线码生成的密钥、代码库。存在被泄露的风险，如果密钥、代码库被手机上的木马窃取，则可能存在离线码被窃取的风险。
发明内容
本发明的目的在于克服现有技术的不足，提供一种基于指纹识别，采用离线支付的方式，无需依赖网络和移动终端，安全性高的便捷支付系统及方法。
本发明的技术方案如下：
一种便捷支付系统，包括支付客户端、支付服务器和结算服务器；所述支付客户端部署在收款的商户终端上，其安装了指纹采集器、手机号码输入模块、时钟模块、支付客户端程序和离线码发送器；所述指纹采集器、手机号码输入模块、时钟模块与支付客户端程序输入端连接，所述支付客户端程序根据指纹、时间、手机号码生成一次性离线支付码，所述支付客户端程序输出端连接离线码发送器；所述支付客户端与支付服务器通过局域网建立通信连接；所述支付服务器设有一数据库；所述支付服务器介于支付客户端与结算服务器之间；所述结算服务器需要进行预充值，其包括管理员手工录入充值和消费者借用第三方支付平台的互联网充值。
在上述技术方案中，所述支付客户端程序，将指纹、时间、手机号码 采用加密算法生成一个18位的一次性离线支付码，并发送到支付服务器，所述指纹和时间加密成6位字符串的第一密钥。
在上述技术方案中，所述支付服务器接收离线支付码，并利用第一密钥解密出手机号码，通过该手机号码在数据库中查询该手机关联的用户信息，从而根据查询到用户信息中的指纹数据和时间计算出第二密钥，并把计算出来的第二密钥和客户端传来的第一密钥进行比对。
在上述技术方案中，所述加密算法采用HMAC-based One-Time Password，其是基于HMAC算法加密的一次性密码，该算法将当前时间，按照一定的单位，取一个值，把该值和指纹数据利用HASH算法算出6位的字符串。
一种便捷支付方法，包括以下步骤：
步骤A：用户注册支付账号；
步骤B：启用离线支付，在支付客户端上录入指纹；
步骤C：支付客户端程序根据指纹、时间、手机号码生成一次性离线支付码，并发送到支付服务器，所述指纹和时间加密成第一密钥；
步骤D：支付服务器接收到离线支付码，并利用第一密钥解密出手机号码，通过该手机号码在数据库中查询该手机关联的用户信息；
步骤E：利用查询到用户信息中的指纹数据和时间计算出第二密钥，并把计算出来的第二密钥和客户端传来的第一密钥进行比对；
步骤F：比对成功后，则进行扣款操作。
在步骤C中，所述离线支付码的生成方法，包括：利用加密算法，将指纹和时间加密成的一个6位字符串，该6位字符串即为第一密钥；利用6位字符串将手机号码可逆加密成10位的字符串；将10位的字符串、6位的字符串根据置换算法打散位置，再拼接上特定的支付码，组成18位的字符串。
在上述技术方案中，所述加密算法采用HMAC-based One-Time Password，其是基于HMAC算法加密的一次性密码，该算法将当前时间，按照一定的单位，取一个值，把该值和指纹数据利用HASH算法算出6位的字符串。
在步骤D中，服务器接收到离线支付码后，从18位的字符串中取出16位字符串，根据逆向置换算法将16位字符串变化成前十位的手机号码、后六位的所述第一密钥。
在步骤D中，所述用户信息包括用户的指纹数据和余额。
在步骤E中，所述时间包括支付客户端程序生成离线支付码时的时间 和支付服务器接收到离线支付码时的时间。
相对于现有技术，本发明的有益效果在于：本发明基于指纹识别，利用用户的指纹、时间、手机号码，产生一次性离线支付码方式，使消费者既不依赖网络，又不依赖移动终端设备也能进行支付，从而大大地便捷了消费者的消费体验，且保障了系统通信的安全可靠。
附图说明
图1为本发明实施一所述一种便捷支付系统的原理框图；
图2为本发明实施二所述一种便捷支付方法的流程图。
具体实施方式
以下结合附图和具体实施例，对本发明进行详细说明。
实施例一
参见图1，本实施例提供一种便捷支付系统，包括支付客户端、支付服务器和结算服务器；支付客户端部署在收款的商户终端上，其安装了指纹采集器、手机号码输入模块、时钟模块、支付客户端程序和离线码发送器；所述指纹采集器、手机号码输入模块、时钟模块与支付客户端程序输入端连接，支付客户端程序根据指纹、时间、手机号码生成一次性离线支付码，支付客户端程序输出端连接离线码发送器；支付客户端与支付服务器通过局域网建立通信连接；支付服务器设有一数据库；支付服务器介于支付客户端与结算服务器之间；结算服务器需要进行预充值，其包括管理员手工录入充值和消费者借用第三方支付平台的互联网充值。
实施原理：利用支付客户端上手机号码输入模块、指纹采集器分别输入手机号码和录入指纹，支付客户端程序会根据时钟模块显示的当前时间生成一次性离线支付码，并发送到支付服务器，所述指纹和时间加密成第一密钥；支付服务器接收到离线支付码，并利用第一密钥解密出手机号码，通过该手机号码去查询该手机关联的用户信息；利用查询到用户信息中的指纹数据和时间计算出第二密钥，并把计算出来的第二密钥和客户端传来的第一密钥进行比对；比对成功后则进行扣款操作。使消费者既不依赖网络，又不依赖移动终端设备也能进行支付，从而大大地便捷了消费者的消费体验，且保障了系统通信的安全可靠。
其中，所述支付客户端程序，将指纹、时间、手机号码采用加密算法生成一个18位的一次性离线支付码，并发送到支付服务器，所述指纹和时间加密成6位字符串的第一密钥。
本实施例中，所述加密算法采用HMAC-based One-Time Password，其是基于HMAC算法加密的一次性密码，该算法将当前时间，按照一定的单位，取一个值，把该值和指纹数据利用HASH算法算出6位的字符串。
实施例二
请参见图2，本实施例提供一种便捷支付方法，包括以下步骤：
步骤A：用户注册支付账号；
步骤B：启用离线支付，在支付客户端上录入指纹；
步骤C：支付客户端程序根据指纹、时间、手机号码生成一次性离线支付码，并发送到支付服务器，所述指纹和时间加密成第一密钥；
离线支付码的生成方法，包括：利用加密算法，将指纹和时间加密成的一个6位字符串，该6位字符串即为第一密钥；利用6位字符串将手机号码可逆加密成10位的字符串；将10位的字符串、6位的字符串根据置换算法打散位置，再拼接上特定的支付码，组成18位的字符串(一次性，是在特定的时间范围内，只出现一次)。
所述加密算法采用HMAC-based One-Time Password，其是基于HMAC算法加密的一次性密码，该算法将当前时间，按照一定的单位，比如按分钟、小时，取一个值，把该值和指纹数据利用HASH算法算出6位的字符串。
步骤D：支付服务器接收到离线支付码，并利用第一密钥解密出手机号码，通过该手机号码在数据库中查询该手机关联的用户信息，该用户信息包括用户的指纹数据和余额；
服务器接收到离线支付码后，从18位的字符串中取出16位字符串，根据逆向置换算法将16位字符串变化成前十位的手机号码、后六位的所述第一密钥。
步骤E：利用查询到用户信息中的指纹数据和时间计算出第二密钥，并把计算出来的第二密钥和客户端传来的第一密钥进行比对；
所述时间包括支付客户端程序生成离线支付码时的时间和支付服务器接收到离线支付码时的时间。
由于数据在传输的过程中需要时间，比如客户端在产生该离线码的时间是2018-01-09 11:59:59(以分钟为单位，算法中的时间2018-01-09 11:59:00)，服务端接收到的时间有可能是2018-01-09 12:00:00，所以服务端要计算两个时间的密钥(2018-01-09 11:59:00,2018-01-09 12:00:00),并且只要其中的一个匹配成功，就算成功。
步骤F：比对成功后，则进行扣款操作。若比对失败，重新输入手机 号码和/或录入指纹，直到比对成功。在扣款操作中，如果扣款失败，则代表余额不足，应当进行充值操作。
综上所述，本发明使得用户不用带手机，也不用联网就可以进行支付。
通过本发明，用户可以便捷、安全的进行移动支付。只要提现支付客户端接收用户的手机号码、指纹产生一个一次性的支付码(一次性，是在特定的时间范围内，只出现一次)。支付服务器在特定的时间范围内会判断该码是否使用过。另外生成离线码的密钥是用户的指纹数据，不存储在任何容易被窃取的终端设备(手机、电脑、平板)，该码跟用户紧密关联，在任何时间内，不同的用户利用相同的6位加密串，其可逆加密串是不同的，确保不会乱扣其他人的钱，确保了安全性。
以上仅为本发明的较佳实施例而已，并不用于限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。

Claims (10)

  1. 一种便捷支付系统，包括支付客户端、支付服务器和结算服务器；所述支付客户端部署在收款的商户终端上，其安装了指纹采集器、手机号码输入模块、时钟模块、支付客户端程序和离线码发送器；所述指纹采集器、手机号码输入模块、时钟模块与支付客户端程序输入端连接，所述支付客户端程序根据指纹、时间、手机号码生成一次性离线支付码，所述支付客户端程序输出端连接离线码发送器；所述支付客户端与支付服务器通过局域网建立通信连接；所述支付服务器设有一数据库；所述支付服务器介于支付客户端与结算服务器之间；所述结算服务器需要进行预充值，其包括管理员手工录入充值和消费者借用第三方支付平台的互联网充值。
  2. 根据权利要求1所述的一种便捷支付系统，其中，所述支付客户端程序，将指纹、时间、手机号码采用加密算法生成一个18位的一次性离线支付码，并发送到支付服务器，所述指纹和时间加密成6位字符串的第一密钥。
  3. 根据权利要求2所述的一种便捷支付系统，其中，所述支付服务器接收离线支付码，并利用第一密钥解密出手机号码，通过该手机号码在数据库中查询该手机关联的用户信息，从而根据查询到用户信息中的指纹数据和时间计算出第二密钥，并把计算出来的第二密钥和客户端传来的第一密钥进行比对。
  4. 根据权利要求2所述的一种便捷支付系统，其中，所述加密算法采用HMAC-based One-Time Password，其是基于HMAC算法加密的一次性密码，该算法将当前时间，按照一定的单位，取一个值，把该值和指纹数据利用HASH算法算出6位的字符串。
  5. 一种便捷支付方法，包括以下步骤：
    步骤A：用户注册支付账号；
    步骤B：启用离线支付，在支付客户端上录入指纹；
    步骤C：支付客户端程序根据指纹、时间、手机号码生成一次性离线支付码，并发送到支付服务器，所述指纹和时间加密成第一密钥；
    步骤D：支付服务器接收到离线支付码，并利用第一密钥解密出手机号码，通过该手机号码在数据库中查询该手机关联的用户信息；
    步骤E：利用查询到用户信息中的指纹数据和时间计算出第二密钥，并把计算出来的第二密钥和客户端传来的第一密钥进行比对；
    步骤F：比对成功后，则进行扣款操作。
  6. 根据权利要求5所述的一种便捷支付方法，其中，在步骤C中，所述离线支付码的生成方法，包括：利用加密算法，将指纹和时间加密成的一个6位字符串，该6位字符串即为第一密钥；利用6位字符串将手机号码可逆加密成10位的字符串；将10位的字符串、6位的字符串根据置换算法打散位置，再拼接上特定的支付码，组成18位的字符串。
  7. 根据权利要求6所述的一种便捷支付方法，其中，所述加密算法采用HMAC-based One-Time Password，其是基于HMAC算法加密的一次性密码，该算法将当前时间，按照一定的单位，取一个值，把该值和指纹数据利用HASH算法算出6位的字符串。
  8. 根据权利要求6所述的一种便捷支付方法，其中，在步骤D中，服务器接收到离线支付码后，从18位的字符串中取出16位字符串，根据逆向置换算法将16位字符串变化成前十位的手机号码、后六位的所述第一密钥。
  9. 根据权利要求5所述的一种便捷支付方法，其中，在步骤D中，所述用户信息包括用户的指纹数据和余额。
  10. 根据权利要求5所述的一种便捷支付方法，其中，在步骤E中，所述时间包括支付客户端程序生成离线支付码时的时间和支付服务器接收到离线支付码时的时间。
PCT/CN2018/085100 2018-04-28 2018-04-28 一种便捷支付系统及方法 WO2019205141A1 (zh)

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US8756156B1 (en) * 2013-02-27 2014-06-17 HouseTab, LLC Online management portal
CN104463589A (zh) * 2014-12-25 2015-03-25 北京释码大华科技有限公司 一种支付认证方法、设备及系统
CN104835040A (zh) * 2015-05-26 2015-08-12 浙江维尔科技股份有限公司 一种支付方法及系统
CN107230083A (zh) * 2017-07-25 2017-10-03 陈景银 互联网智能化个人信息指纹识别、指纹支付
CN107730263A (zh) * 2017-11-09 2018-02-23 厦门攸信信息技术有限公司 一种高安全指纹支付方法及系统

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US8756156B1 (en) * 2013-02-27 2014-06-17 HouseTab, LLC Online management portal
CN104463589A (zh) * 2014-12-25 2015-03-25 北京释码大华科技有限公司 一种支付认证方法、设备及系统
CN104835040A (zh) * 2015-05-26 2015-08-12 浙江维尔科技股份有限公司 一种支付方法及系统
CN107230083A (zh) * 2017-07-25 2017-10-03 陈景银 互联网智能化个人信息指纹识别、指纹支付
CN107730263A (zh) * 2017-11-09 2018-02-23 厦门攸信信息技术有限公司 一种高安全指纹支付方法及系统

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