CN102542688A - Electronic payment device and electronic payment system using same - Google Patents
Electronic payment device and electronic payment system using same Download PDFInfo
- Publication number
- CN102542688A CN102542688A CN2010106198357A CN201010619835A CN102542688A CN 102542688 A CN102542688 A CN 102542688A CN 2010106198357 A CN2010106198357 A CN 2010106198357A CN 201010619835 A CN201010619835 A CN 201010619835A CN 102542688 A CN102542688 A CN 102542688A
- Authority
- CN
- China
- Prior art keywords
- terminal
- payment
- transaction
- smart card
- electronic payment
- Prior art date
- Legal status (The legal status 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 status listed.)
- Pending
Links
Images
Landscapes
- Cash Registers Or Receiving Machines (AREA)
Abstract
The invention provides an electronic payment device, which comprises a smart card, smart card private external equipment and a communication interface, wherein a transaction program of an acceptance terminal is run on the smart card. The invention further provides an electronic payment system, which comprises the electronic payment device. The transaction program of the acceptance terminal is mainly run on the smart card, so that the terminal is essentially unified in a certain degree, the consistence of a background system is ensured due to the realization of the uniformity of a terminal program, various terminals can be supported by using a uniform solution scheme, and integration of an electronic payment channel is realized.
Description
Technical field
Relate generally to of the present invention is paid by mails, and relates more specifically to be used to realize the electronic fare payment system paying the payment devices of channel integration by mails and use this device.
Background technology
Nowadays, bank card is the indispensable means of payment of people.But bank card can not use separately as the means of payment, and it all must be got in touch through certain account who pays channel and bank by mails when carrying out any financial transaction, could accomplish transaction through steps such as mandate, affirmations then.For the expansion and large-scale application market that promotes bank card business; Banking institution develops the various channels of accepting energetically; Constantly release more how wieldy terminal, communication faster and transaction processing environment more flexibly, thereby better service is provided and consumes more easily for the user.The current existing multiple channel of accepting, such as ATM ATM, the mechanical, electrical words payment of POS, online payment, mobile-phone payment or the like, and new E-Payment channel also constantly emerging in large numbers, and promoted the E-Payment channel to variation, opening development.
At present, the accepting terminal of existing various channel of disbursement has nothing in common with each other, and implementation, background system are also all respectively mutually very unlike.For example, when using the payment of POS machine, the user only needs through swiping the card and inputing password and can realize consumption; And when paying on the net, the user not only will input password, also need pass through the auxiliary of equipment such as banking software, U shield, and operation according to the rules implements to accomplish transaction step by step; If use mobile-phone payment, then the user also needs according to providing the operator of mobile-phone payment to take corresponding use-pattern could realize payment transaction.This has not only strengthened the complexity that the user uses, but also makes issuer's duplicate construction, develops different accepting terminal, different implementation and different background systems and has improved transaction cost, has also limited professional popularization.
Therefore, the payment devices that presents unitarity in the face of various E-Payment channel the time has very strong demand.
Summary of the invention
The objective of the invention is to make the user can on the terminal of different channel of disbursement, all adopt the same mode of operation to accomplish payment.
For realizing above-mentioned purpose, the invention provides a kind of payment devices, it is characterized in that said payment devices comprises smart card, the privately owned external unit of smart card and communication interface; Wherein on said smart card, move the transaction program of accepting terminal.
Preferably, the transaction program of said accepting terminal is the terminal program that meets the POS standard.
Preferably, the privately owned external unit of said smart card comprises one or more in keyboard, touch-screen, fingerprint scanner, the IC-card card reader.
Preferably, said communication interface comprises one or more in ISO7816 interface, the USB interface.
The present invention also provides a kind of electronic payment transaction system as the solution of paying channel integration by mails.Said electronic payment transaction system comprises: aforementioned according to payment devices of the present invention, multiple electric payment transaction terminal, front-end system and Financial Information transaction processing system.Said front-end system comprises and is used for the communication interface layer of communicating by letter with said multiple electronic payment transaction system.Preferably, said multiple electric payment transaction terminal can comprise POS terminal, ATM, mobile phone, PC, landline telephone, TV set-top box.
The present invention proposes present payment terminal, comprises that the transaction program of electronic payment terminals such as POS terminal, mobile phone, PC, landline telephone migrates on the smart card.The configurable privately owned external unit of said smart card is accomplished payment transaction in conjunction with Presentation Function, the communication function of POS machine, PC, mobile phone.Because payment program mainly operates on the smart card; This makes the terminal unified in itself to a great extent; And the unification of terminal program has realized the consistance of background system, therefore can support diversified terminal through unified solution, thereby realizes paying by mails the integration of channel.
To combine concrete embodiment to describe method of the present invention below.
Description of drawings
Aforementioned and other targets of the present invention, feature and advantage will be according to being conspicuous in the face of the explanation more specifically of embodiments of the invention down, and these embodiment are illustrated in the accompanying drawings.
Fig. 1 illustrates existing P OS machine and ATM channel of disbursement framework.
Fig. 2 illustrates POS machine and the ATM channel of disbursement framework that utilizes payment devices of the present invention.
Fig. 3 illustrates existing online payment channel framework and payment flow.
Fig. 4 illustrates the online payment channel framework that utilizes payment devices of the present invention.
Fig. 5 illustrates the electronic fare payment system of the integration that utilizes payment devices of the present invention.
Embodiment
Below in conjunction with accompanying drawing and embodiment further explain the present invention.Need to prove that each structure in the accompanying drawing is a schematic illustration, with so that those of ordinary skills understand principle of the present invention best, it is not necessarily drawn in proportion.
Fig. 1 illustrates existing P OS machine and ATM channel of disbursement framework.In Fig. 1 and other accompanying drawings, all use 11 to represent the Financial Information transaction processing system, the system of functions such as its switching, clearance for responsible bank card inter-bank Transaction Information, all inter-bank transaction all need can be accomplished through this transaction processing system.When using the POS machine to carry out financial transaction, POS machine 12 connects POS front-end system 13 through wired or wireless communication modes, inserts Unionpay's Information Exchange System 11 by the POS front-end system again.The POS front-end system plays the effect of a gateway, and it provides the service of networking for the POS terminal, plays the effect of protocol conversion and message conversion.ATM 15 is a kind of self-service terminals that made up multiple different financial business functions, financial services such as the user can accomplish through ATM and withdraw the money, deposit, inquiry.ATM 15 general communication modes through the special line dialing connect ATM front-end system 14.The ATM front-end system is also referred to as ATMP, and ATMP one end connects the ATM terminal, and the other end inserts Unionpay's exchange system 11, for ATM provides network insertion means and transaction Communications service, thereby transaction such as realizes withdrawing the money, transferring accounts.Though POS machine and ATM all are to insert Unionpay's Information Exchange System 11 through front-end system, because its terminal program is different, trading function difference, communication modes be different to have caused two kinds of different front-end systems.
Fig. 2 illustrates POS machine and the ATM channel of disbursement framework that utilizes payment devices of the present invention.In Fig. 2, illustrated according to payment devices 20 of the present invention, it has comprised smart card 25, keyboard 26 and display 27.For instance, smart card 25 can link to each other with display with keyboard through the SPI interface, but it also can connect the input and output device of any other form through the interface of any other form.Smart card 25 has the basic structure of general smart card, comprising central processor CPU, programmable read only memory EEPROM, random access memory ram be solidificated in the card internal operating system COS (Chip Operating System) in the read only memory ROM.In addition, smart card 25 comprises that also above-mentioned various interface is to be used to connect its privately owned equipment.According to embodiments of the invention, can utilize the transaction program of the central processing unit operation accepting terminal of smart card 25 to come processes financial transactions, for example meet the terminal program of POS standard.In fact; Can on smart card 25, move the transaction program of any existing accepting terminal; Also can design and the similar program of the transaction program of existing accepting terminal, as long as the routine of the bank card functionality of using always comprising a series of present people such as support bank card consumption for example, query the balance, transfer accounts.Smart card 25 can also have various interfaces such as USB, SWP or ISO7816, and said payment devices can be connected with existing accepting terminal through these interfaces.As shown in Figure 2, payment devices 20 can link to each other with ATM with the POS machine respectively through the ISO7816 interface on the smart card 25.
As can be seen from Figure 2, under situation about utilizing according to payment devices 25 of the present invention, POS machine and ATM insert Unionpay's Information Exchange System 11 through same front-end system 22, constitute POS machine channel of disbursement and ATM channel of disbursement respectively.When using the POS machine to conclude the business, the user at first is connected payment devices 20 with the POS machine, for example through the ISO7816 interface, and activates this payment devices.Payment devices 25 starts the transaction program on the smart cards 25, and on display 27 operation display interface and information.The user operates according to the information on the display 27, for example at first selects the type of connecting terminal, promptly selects the POS machine in this case.Subsequently, payment devices 20 can be carried out sequence of operations such as option dealing type, input dealing money, input and checking user PIN code according to the flow process prompting user of POS machine, and all information inputs all can be carried out through keyboard 27.In certain embodiments, this keyboard can adopt code keypad, to improve the security of transaction.According to the transaction master routine operation of POS machine, it is made into standard ISO 8583 message structures with message block such as bank card data, user ciphers and sends POS machine terminal to operating system on the smart card 25 substantially.The POS machine only plays intermediate information transmission substantially, and it will send front-end system to from the data message that payment devices 20 receives, and front-end system feedback data message is transferred to payment devices 20.Whole process of exchange and user directly use the POS machine terminal basically identical of concluding the business, and difference is that all transaction flows are all accomplished by the smart card in the payment devices, rather than is accomplished by the POS machine.
When using ATM to conclude the business also is same situation.The user at first is connected payment devices 20 with ATM, for example through the ISO7816 interface, and activate this payment devices.Payment devices 25 starts the transaction program on the smart cards 25, and on display 27 operation display interface and information.The user operates according to the information on the display 27, for example at first selects the type of connecting terminal, promptly selects ATM in this case.Subsequently, payment devices 20 is still carried out sequence of operations such as option dealing type, input dealing money, input and checking user PIN code according to the flow process prompting user of POS machine, and all information inputs all can be carried out through keyboard 27.According to the transaction master routine operation of POS machine, it is made into standard ISO 8583 message structures with message block such as bank card data, user ciphers and sends the ATM terminal to operating system on the smart card 25 substantially.ATM will send front-end system to from the data message that payment devices 20 receives, and front-end system feedback data message is transferred to payment devices 20.Obviously, according to such transaction flow, ATM can be easily and the shared identical front-end system of POS machine.Certainly, also need be in front-end system to distinguishing through the data of ATM reception with through the data that the POS machine receives, this will be elaborated below.
Fig. 3 illustrates existing online payment channel framework and payment flow.This framework is general to be used such as personal computer (PC), desk-top computer, mobile computer, laptop computer, notebook, flat computer, handheld computer, handheld device, PDA(Personal Digital Assistant) equipment, hand-held PDA equipment etc. as terminal 32; These equipment are with wired or wireless mode access network, such as wireless network, Local Area Network, wireless lan (wlan), Metropolitan Area Network (MAN) (MAN), wireless MAN (WMAN), wide area network (WAN), wireless wide area network (WWAN) or the like.Unionpay's exchange system 11 is inserted via the SR on the network (Service Router) routing server 25 in terminal 32.
When paying through network, the user at first through landing merchant website 23 such as personal computer 22, buys commodity (step s1) at trade company's online browsing commodity and affirmation.Then, the user is through the payment gateway 24 input card numbers (step s2) of acquirer.Payment gateway 24 is submitted to SR routing server 25 (step s3) with user's card number.The user is through SC (SecurityControl) security information input server 26 input authentication information then, and security information server 26 sends to SR (step s4) with relevant information simultaneously.Subsequently, by the SR system authentication information is organized into the ISO8583 message format and is sent to CUPS Unionpay Information Exchange System 11, carry out transaction processing (step s5) by CUPS.After obtaining response, SR routing server 25 sends to payment response the payment gateway 24 (step s6) of acquirer.Reply transaction by payment gateway 24 at last and turn back to user terminal 22, accomplish payment transaction.Said SR routing server 25 plays a part to insert and MESSAGE EXCHANGE with said front-end system similarly, but owing to the difference of the communication signaling that uses, network topology structure etc. very big difference is arranged in realization.Obviously, present network payment framework is paid with POS, the ATM payment infrastructure is different fully.
Fig. 4 illustrates the online payment channel framework that utilizes payment devices of the present invention.Personal terminal 43 still can adopt the terminal device of any aforementioned online payment channel, but it is no longer as the main body of online payment.According to the present invention, payment is used and is transplanted to fully in the smart card 46.In the embodiment shown in fig. 4, personal terminal 43 can be PC, and it connects payment devices 40 through USB interface.Master routine in the smart card 46 can be the terminal program that meets the POS standard, but is not necessarily like this.For common PC, generally all do not connect equipment such as card reader, therefore in payment devices 40, be furnished with IC-card card reader or magnetic stripe card card reader 45 to support bank card business dealing for smart card 46.Smart card 46 also is furnished with independently keyboard 44, and the user can import trading passwords through keyboard 44, thereby strengthens the security and the confidentiality of transaction.Certainly, the user also can import through the keyboard of PC 43.Though in Fig. 4, do not illustrate, also can be as shown in Figure 2 in payment devices 40 be furnished with display, perhaps directly utilize PC with display.In addition, when bank card business dealing need carry out fingerprint recognition, smart card 46 also can external fingerprint scanner.
When the user pays transaction in the online payment system of utilizing this framework; At first on the card reader of payment devices 40, brush the bank card of oneself; Again through keyboard 44 input user ciphers, smart card 46 is made into the message structure of standard with message block such as bank card data, user ciphers, sends to backstage front-end system 42 through PC 43; Transmit transaction data to Information Exchange System 11 by front-end system 42; And obtain response data and be transmitted back to PC 43, PC 43 is directly issued smart card 46 with the data that receive, and is handled by smart card 46.In whole process of exchange, the transaction program of PC realizes in smart card fully, its main function provide a personal-machine interface and with the function of backstage communication.Thus, the user does shopping in the time of need paying on the net, can operating as use common POS machine in the market, greatly facilitate transaction, and also help improving security.
As previously mentioned; Individual terminal devices can be wired or wireless the mode access network, such as wireless network, Local Area Network, wireless lan (wlan), Metropolitan Area Network (MAN) (MAN), wireless MAN (WMAN), wide area network (WAN), wireless wide area network (WWAN) etc.With regard to PC 43, it communicates by letter with front-end system through LAN or WLAN commonly.As everyone knows, this type network is easy to receive virus or hacker's attack usually, if directly transaction program is installed on PC, then has the risk of very big information leakage.Adopt payment devices provided by the present invention, the information that then makes all has very high privacy from being input to processing, thereby has improved transaction security greatly.
Fig. 5 illustrates the electronic fare payment system of the integration that utilizes payment devices of the present invention.As shown in Figure 5; This electronic fare payment system comprises POS machine 53, ATM 54, PC 55, mobile phone 56, landline telephone 57, TV set-top box 58 as terminal device, but it should be noted the present invention these terminals shown in should not being restricted to and be intended to the terminal device that comprises that all are existing and developed in the future.One end of these equipment all is connected to same front-end system 52; This connection can realize through any type of wired or wireless communication interface; And the other end can connect respectively according to payment devices of the present invention, for example through ISO7816 interface or USB interface.For front-end system 52; Itself and general front-end system have the communication Access Layer similarly; Difference is that this communication Access Layer can distinguish various communication paths, thereby comes the data that receive are resolved according to the data transmission format on the various communication paths.
For example, under the situation of mobile-phone payment, mobile phone terminal receives the data message of the standard ISO that smart card produced 8583 forms in the electric payment transaction device.Mobile phone terminal encapsulates and sends this data message according to the communication format between itself and the movement station and do not do any other extra processing, and movement station then is sent to this data message the communication Access Layer of front-end system.The communication Access Layer is under the situation about receiving from movement station at known this data message, can resolve it according to the mobile data form, and the data message of standard ISO 8583 forms that parsing is obtained sends CUPS to.Likewise; The communication Access Layer also can send it back the data message of receiving from CUPS to movement station to encapsulate with previous identical data layout; Again by movement station to the mobile phone terminal, mobile phone terminal is finally accomplished information interaction and business processing to payment devices.Under such system architecture, transaction flow is all accomplished on the smart card in payment devices, and mobile phone terminal has only played data forwarding, therefore helps the integration and the expansion of channel of disbursement.Also promptly, the equipment that much can be used as the node of various information exchange networks can be extended to the terminal of channel of disbursement, for example television set top box, recreation electronic equipment or the like.
In addition, the privately owned peripheral hardware of smart card can also be adjusted according to terminal requirements in the payment devices.As input equipment, can comprise keyboard, fingerprint scanner, touch-screen etc., and can comprise display, printer etc. as output device.Because these equipment and smart card are separate, so can they be embodied as removable equipment, are adapted to the needs at various terminals neatly, and provide convenience for the user.
In sum; Solution provided by the invention has directly changed access way, the data layout of external system; From having realized the unification of channel in essence, and front-end system also need not to increase interface layer and comes different access devices carried out operations such as different security control and message format conversion.Because the present invention acts directly on the outside accesses terminal, and has therefore avoided the overlapping investment to terminal device, also helps the management of maintenance terminal equipment.
Should be noted that above embodiment is only in order to technical scheme of the present invention to be described but not limit it.Although the present invention has been carried out detailed explanation with reference to above-mentioned embodiment; Those of ordinary skill in the art is to be understood that; Still can specific embodiments of the invention make amendment or the part technical characterictic is equal to replacement and does not break away from essence of the present invention, it all be encompassed in the scope that the present invention asks for protection.
Claims (6)
1. a payment devices is characterized in that, said payment devices comprises smart card, the privately owned external unit of smart card and communication interface; Wherein
The transaction program of operation accepting terminal on said smart card.
2. payment devices as claimed in claim 1 is characterized in that, the transaction program of wherein said accepting terminal is to meet that standard is accepted at the financial POS terminal or other financial application are accepted the terminal program of standard.
3. payment devices as claimed in claim 1 is characterized in that, the privately owned external unit of wherein said smart card comprises one or more in keyboard, touch-screen, fingerprint scanner, the IC-card card reader.
4. payment devices as claimed in claim 1 is characterized in that wherein said communication interface comprises one or more in ISO7816 interface, the USB interface.
5. an electronic payment transaction system is characterized in that, said electronic payment transaction system comprises:
Like any described payment devices in the claim 1 to 4;
Multiple electric payment transaction terminal;
Front-end system, said front-end system comprises the communication interface layer; And
The Financial Information transaction processing system; Wherein
Said front-end system is communicated by letter with said multiple electronic payment transaction system through said communication interface layer.
6. electronic payment transaction system as claimed in claim 5 is characterized in that, wherein said multiple electric payment transaction terminal comprises POS terminal, ATM, mobile phone, PC, landline telephone, TV set-top box.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010106198357A CN102542688A (en) | 2010-12-28 | 2010-12-28 | Electronic payment device and electronic payment system using same |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010106198357A CN102542688A (en) | 2010-12-28 | 2010-12-28 | Electronic payment device and electronic payment system using same |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN102542688A true CN102542688A (en) | 2012-07-04 |
Family
ID=46349487
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010106198357A Pending CN102542688A (en) | 2010-12-28 | 2010-12-28 | Electronic payment device and electronic payment system using same |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN102542688A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102521779A (en) * | 2011-12-26 | 2012-06-27 | 东信和平智能卡股份有限公司 | Electronic transaction smart card and electronic transaction system |
| CN104715545A (en) * | 2015-03-17 | 2015-06-17 | 萧东 | Safe automatic transaction machine and method thereof |
| CN105023150A (en) * | 2015-07-22 | 2015-11-04 | 天地融科技股份有限公司 | Data processing method and device for POS machine |
| US9811826B2 (en) | 2013-07-11 | 2017-11-07 | Tencent Technology (Shenzhen) Company Limited | Method and apparatus for increasing security of an electronic payment |
| CN109426964A (en) * | 2017-08-31 | 2019-03-05 | 万事达卡亚太私人有限公司 | For authorizing the method and system of transaction |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6157966A (en) * | 1997-06-30 | 2000-12-05 | Schlumberger Malco, Inc. | System and method for an ISO7816 complaint smart card to become master over a terminal |
| CN1635475A (en) * | 2003-12-31 | 2005-07-06 | 宏碁股份有限公司 | Data processing method between smart card having multiple application program and terminal machine |
| US20070185991A1 (en) * | 2003-06-12 | 2007-08-09 | First Data Corportion | Versatile terminal adapter and network for transaction processing |
| JP2009043087A (en) * | 2007-08-09 | 2009-02-26 | Japan Research Institute Ltd | E-commerce system and computer program |
| CN101556716A (en) * | 2008-04-08 | 2009-10-14 | 杨志华 | Device and system capable of realizing electronic payment through combination with general computing apparatus |
| CN101877158A (en) * | 2010-03-23 | 2010-11-03 | 苏州德融嘉信信用管理技术有限公司 | Front service platform of bank and operation processing method thereof |
-
2010
- 2010-12-28 CN CN2010106198357A patent/CN102542688A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6157966A (en) * | 1997-06-30 | 2000-12-05 | Schlumberger Malco, Inc. | System and method for an ISO7816 complaint smart card to become master over a terminal |
| US20070185991A1 (en) * | 2003-06-12 | 2007-08-09 | First Data Corportion | Versatile terminal adapter and network for transaction processing |
| CN1635475A (en) * | 2003-12-31 | 2005-07-06 | 宏碁股份有限公司 | Data processing method between smart card having multiple application program and terminal machine |
| JP2009043087A (en) * | 2007-08-09 | 2009-02-26 | Japan Research Institute Ltd | E-commerce system and computer program |
| CN101556716A (en) * | 2008-04-08 | 2009-10-14 | 杨志华 | Device and system capable of realizing electronic payment through combination with general computing apparatus |
| CN101877158A (en) * | 2010-03-23 | 2010-11-03 | 苏州德融嘉信信用管理技术有限公司 | Front service platform of bank and operation processing method thereof |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102521779A (en) * | 2011-12-26 | 2012-06-27 | 东信和平智能卡股份有限公司 | Electronic transaction smart card and electronic transaction system |
| US9811826B2 (en) | 2013-07-11 | 2017-11-07 | Tencent Technology (Shenzhen) Company Limited | Method and apparatus for increasing security of an electronic payment |
| CN104715545A (en) * | 2015-03-17 | 2015-06-17 | 萧东 | Safe automatic transaction machine and method thereof |
| CN105023150A (en) * | 2015-07-22 | 2015-11-04 | 天地融科技股份有限公司 | Data processing method and device for POS machine |
| CN109426964A (en) * | 2017-08-31 | 2019-03-05 | 万事达卡亚太私人有限公司 | For authorizing the method and system of transaction |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101354770B (en) | Use the system and method that five side's protocol realization bank cards pay | |
| US20100332389A1 (en) | Sim chip bank system and method | |
| CN101923757A (en) | Mobile payment management system | |
| CN101990772A (en) | Transaction server configured to authorize payment transactions using mobile telephone devices | |
| CN103269326A (en) | Safety equipment, multi-application system and safety method for ubiquitous networks | |
| CN103745350A (en) | Payment processing method based on NFC (Near Field Communication) intelligent card and payment processing system based on NFC intelligent card | |
| CN101599150A (en) | A kind of implementation method of payable by installment business and system | |
| CN102610043B (en) | Mobile terminal with virtual card-swiping function | |
| CN101697220A (en) | Systems and methods for secure pin-based transactions | |
| CN100534039C (en) | Financial-transaction terminal for processing information carrier according to USB interface normalization and its operation | |
| CN103577977A (en) | Method and system for on-line shopping and off-line payment | |
| CN102542688A (en) | Electronic payment device and electronic payment system using same | |
| CN110766397B (en) | Near field payment method based on data identification model | |
| CN101201956A (en) | Automatic authentication POS and system for implementing electronic purse IC card automatic authentication as well as method thereof | |
| CN107240010A (en) | The method and system of digital cash is transferred to digital cash chip card | |
| CN102831466B (en) | Cell phone bank card | |
| KR20090121497A (en) | Payment terminal, method and system using nfc mobile phone | |
| KR102154896B1 (en) | System and method for generating security code or virtual account | |
| CN101751701B (en) | Non-contact electronic ticket share system and share method thereof | |
| CN107230073A (en) | The method and system of payout figure currency between viewable numbers currency chip card | |
| KR101288288B1 (en) | Method for Providing Collective Application of Module Type | |
| CN105512891A (en) | Control service platform and method | |
| CN202711298U (en) | Mobile phone bank card | |
| CN102521779A (en) | Electronic transaction smart card and electronic transaction system | |
| KR101698972B1 (en) | Online group funding system and mothod thereof |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C12 | Rejection of a patent application after its publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20120704 |