CN103093343A - Method and terminal for off-line payment card account fund authorized consumption - Google Patents
Method and terminal for off-line payment card account fund authorized consumption Download PDFInfo
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- CN103093343A CN103093343A CN2011103377631A CN201110337763A CN103093343A CN 103093343 A CN103093343 A CN 103093343A CN 2011103377631 A CN2011103377631 A CN 2011103377631A CN 201110337763 A CN201110337763 A CN 201110337763A CN 103093343 A CN103093343 A CN 103093343A
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Abstract
The invention provides a method for off-line payment card account fund authorized consumption. The method comprises the steps of A. selecting all or a part of funds in a payment card as authorized fund to be frozen; B. opening a circulating card and writing the sum of the authorized fund in the circulating card; C. confirming and recording the actual consumption sum of the circulating card after consumption through the circulating card; D. unfreezing the authorized fund in the payment card and deducting corresponding actual consumption sum from the payment card. The method solves the problems of using the payment card caused when a sort of payment card can not be used in a special environment. Networking is not needed in the method, and asynchronous or non-real-time fund authorization of different off-line accounts can be achieved. In addition, the invention further discloses a system for off-line payment card account fund authorized consumption.
Description
Technical field
The present invention relates to a kind of payment card account fund mandate consumption terminal and method, relate in particular to a kind of method and terminal of supporting different off line account fund mandate consumption, belong to field of mobile electronic commerce.
Background technology
Mobile e-business is the important development of ecommerce on mobile communication technology, is one of the development trend in ecommerce future.
In field of mobile electronic commerce, the off line payment is the major way of on-site payment, is mainly used in the places such as public transport, subway, fast food restaurant.Along with mobile e-business is goed deep into by operator, mobile-phone payment becomes the major way of on-site payment, and the group customer such as campus, enterprise also progressively use mobile phone to substitute access card, consumption card.
Mainly there are the technical schemes such as the full terminal of several modes: NFC, NFC-SWP, 13.56M double-interface card, 2.4G RFID-SIM card, pasting card, SD card technically in mobile-phone payment.Above-mentioned Mobile-Payment Technology scheme all need to be with the carrier of mobile phone as payment transaction.
In payment process, the POS terminal mainly realizes the trading functions such as off-line consumption at the scene;
In addition, existing Mobile-Payment Technology is in payment process, because must be with the carrier of mobile phone as payment, but the use of mobile phone is restricted again under some environment, such as: the water control consumer applications in campus (comprising: utilize campus card consumption, the bathroom consumption etc. of having a bath of fetching boiling water), because terminal waterproofing design problem, mobile phone should not use under bathroom, boiled water room environment; Refuelling station's consumption, because refuelling station's requirement of explosion proof, mobile phone can not use under service station environment; The mobile phone electric weight is low, and the radio-frequency power of mobile-phone payment has the electric weight requirement to mobile phone terminal itself, and electric weight is low is not enough to support mobile phone to complete on-site payment.
Summary of the invention
The present invention is directed to the shortcoming of prior art, a kind of off line payment card account fund mandate consumption terminal is provided, it can support different off line account fund mandate capital transfers in the situation that do not network, and simultaneously, the invention also discloses a kind of off line payment card account fund mandate consuming method.
According to the first purpose of the present invention, the invention provides a kind of mandate consuming method of off line payment card account fund, its main technical schemes is as follows:
A kind of off line payment card account fund mandate consuming method comprises:
A, freeze all or part of fund as the mandate fund from Payment Card;
B, open turnover card, the amount of money of described mandate fund is write in the turnover card;
C, after turnover card is consumed, determine and record to have enough to meet the need the real consumption amount of money that blocks;
D, the fund of mandate described in Payment Card of thawing, and deduct the corresponding real consumption amount of money from Payment Card.
Preferred method is in steps A, to further comprise:
Generate the transaction security key according to described Payment Card; Record described transaction security key and described mandate principal amount information.
Preferred method is in step B, further to comprise:
Described mandate principal amount and transaction security key are written in the turnover card; Simultaneously, set up and record the interim binding relationship that has enough to meet the need between card and Payment Card.
Preferred method is in step C, further to comprise:
The transaction security key of authentication turnover card;
The real consumption amount of money of turnover card is determined and recorded to interim binding relationship between verification turnover card and Payment Card, and nullify the turnover card.
Preferred method is in step D, further to comprise:
The transaction security key of authentication Payment Card;
Interim binding relationship between verification Payment Card and turnover card, the fund of mandate described in Payment Card of thawing, and according to the real consumption amount of money of the turnover card of record, the corresponding consumption of the deduction amount of money from Payment Card.
The present invention is after having taked technique scheme, can carry out from Payment Card all or part of fund freeze and with it as the mandate fund, and the amount of money that should the mandate fund is written among the turnover card, consume and still can carry out other in Payment Card, and then solved in the prior art because certain Payment Card can't use the shortcoming that can't use this Payment Card that causes under specific environment; In addition, the present invention does not need to carry out and the background server networking, just can carry out different off line accounts, asynchronous or non real-time fund mandate.
According to the second purpose of the present invention, the invention provides the different off line account fund of a kind of support mandate consumption terminal, its main technical schemes is as follows:
A kind of off line payment card account fund mandate consumption terminal comprises:
The fund entitlement management module is used for freezing all or part of fund as the mandate fund from Payment Card; Open turnover card, the amount of money of described mandate fund is write in the turnover card;
The real consumption amount of money of turnover card is determined and recorded to the settlement of transactions module after the turnover card is consumed; The fund of mandate described in Payment Card of thawing, and from Payment Card the real consumption amount of money corresponding to deduction.
The present invention is after having taked technique scheme, can be according to described fund mandate consumption terminal, carry out from Payment Card all or part of fund freeze and with it as the mandate fund, and the amount of money that should the mandate fund is written among the turnover card, consume and still can carry out other in Payment Card, and then solved in the prior art because certain Payment Card can't use the shortcoming that can't use this Payment Card that causes under specific environment; In addition, mandate consumption terminal of the present invention does not need to carry out and the background server networking, just can carry out different off line accounts, asynchronous or non real-time fund mandate.
Other features and advantages of the present invention will be set forth in the following description, and, partly become apparent from instructions, perhaps understand by implementing the present invention.Purpose of the present invention and other advantages can realize and obtain by specifically noted structure in the instructions of writing, claims and accompanying drawing.
Description of drawings
Accompanying drawing is used to provide a further understanding of the present invention, and consists of the part of instructions, is used for together with embodiments of the present invention explaining the present invention, is not construed as limiting the invention.Wherein,
Fig. 1 is the schematic diagram of POS terminal in prior art;
Fig. 2 is the schematic diagram of off line payment card account fund mandate consumption terminal of the present invention;
Fig. 3 is the structural representation of off line payment card account fund mandate consumption terminal of the present invention;
Fig. 4 is the use view of off line payment card account fund mandate consumption terminal of the present invention;
Fig. 5 is the schematic flow sheet of off line payment account fund mandate consuming method of the present invention;
Fig. 6 is the schematic flow sheet of off line payment account fund mandate consuming method of the present invention;
Fig. 7 is the embodiment schematic flow sheet of off line payment account fund mandate consuming method of the present invention.
Embodiment
Device embodiment one:
The present invention is directed to the shortcoming that existing off line Payment Card can't use in some occasion and propose, having proposed a kind of for carry out account fund mandate consumption terminal between different off line Payment Cards.
Wherein, Fig. 1 is the schematic diagram of prior art POS terminal.
As shown in the figure, it comprises main frame main control module, code keypad communication module, applied logic processing module, card security authentication module, external communication module, keyboard input and display module and card reader module, the POS terminal of this kind structure, be mainly used in the off line Payment Card being carried out the consume activities such as fund reads, fund deduction, do not describe in detail at this.
Fig. 2 is the schematic diagram of off line payment card account fund mandate consumption terminal of the present invention;
According to this Fig. 2, among this embodiment, described off line payment card account fund mandate consumption terminal is taked the form of POS terminal equally.
Wherein, its difference with respect to existing POS terminal shown in Figure 1 is, described POS terminal, existing main frame main control module, code keypad communication module, applied logic processing module, card security authentication module, external communication module, keyboard input and display module and card reader module have not only been comprised, also comprised: the fund entitlement management module is used for freezing all or part of fund as the mandate fund from Payment Card; Open turnover card, the amount of money of described mandate fund is write in the turnover card;
The real consumption amount of money of turnover card is determined and recorded to the settlement of transactions module after the turnover card is consumed; The fund of mandate described in Payment Card of thawing, and from Payment Card the real consumption amount of money corresponding to deduction.
Thus, the present invention can solve the shortcoming that existing off line Payment Card can't use under some occasion, can operate described Payment Card by this off line payment card account fund mandate consumption terminal, in turnover card with its some or all of principal amount information transfer under another suitable use scenes, to reach the purpose of transfer payment card account fund; And this fund mandate consumption terminal does not need and the background server networking, just can realize the fund migration of different off line accounts.
In addition, among preferred embodiment, wherein, Fig. 3 is the structural representation of off line payment card account fund mandate consumption terminal of the present invention, as shown in Figure 3:
Described fund entitlement management module specifically comprises: the account operation unit, be used for freezing from the available funds account of Payment Card all or part of fund as the mandate fund to authorizing in fund account;
The transaction authentication administrative unit is used for generating the transaction security key according to described Payment Card;
Information memory cell is used for recording described transaction security key and described mandate principal amount information.
And at preferred embodiment, described fund entitlement management module further comprises:
The information writing unit is used for described mandate principal amount and transaction security key are written to the turnover card; The temporary relation administrative unit is used for setting up and recording the interim binding relationship that has enough to meet the need between card and Payment Card.
Further, according to the embodiment of the present invention, described settlement of transactions module specifically comprises:
The transaction authentication unit is used for the transaction security key that the authentication turnover blocks; Authentication unit is used for the interim binding relationship of turnover card and Payment Card is carried out verification; The settlement of transactions unit is used for the real consumption amount of money of record turnover card, and nullifies the turnover card.
In addition, according to preferred embodiment, in described settlement of transactions module, described transaction authentication unit also is used for the transaction security key of authentication Payment Card;
Described authentication unit also is used for the interim binding relationship of Payment Card and turnover card is carried out verification;
Described settlement of transactions unit, the mandate fund of the Payment Card that also is used for thawing, and according to the real consumption amount of money of the turnover card of record, the corresponding consumption of the deduction amount of money from Payment Card.
That is to say, fund mandate consumption terminal of the present invention, carry out the Secure Transaction checking by the transaction security key that reads between Payment Card, and it is by the interim binding relationship of storage, do not need two off line payment card account to exist simultaneously, just can realize non real-time or asynchronous fund licensing process;
And, because between Payment Card being carries out capital transfer and consumption by interim binding relationship and transaction security key, thus, can take not identical authentication between each Payment Card and separately terminal, therefore, the present invention is less on the scheme impact of existing Payment Card.
Fig. 4 is the use view of off line payment card account fund mandate consumption terminal of the present invention;
As shown in the figure, it comprises Payment Card, turnover card, off line payment card account fund mandate consumption terminal (POS terminal) and the second terminal card reader (POS machine or other consumption terminals), wherein, be subject to the second terminal card reader or use occasion, Payment Card can't directly use on the second terminal card reader.
For this reason, by the account fund information transfer between described off line payment card account fund mandate consumption terminal and Payment Card and turnover card, can take out some or all of fund information transfer from Payment Card among turnover card, and then the use that can have enough to meet the need card reaches the technical purpose that Payment Card is consumed.
In addition, among this embodiment, the account in described Payment Card comprises: available funds account and mandate fund account, and the design of two accounts is as follows:
1, supposition: account status comprises normal condition, frozen state, exit state
2, each account business and state that can carry out:
Wherein, X represents that this state is unavailable, i.e. available fund account can carry out the consumption service of all normal conditions, for example, consumption, circle deposit, enclose carry, to authorizing fund account to transfer accounts, nullify;
Described mandate fund account only has the amount of money of changing over to, thaws, the function such as cancellation, can't carry out the consumption service of normal condition.
In addition, the account of turnover card can only comprise the available funds account.
Certainly, the account form of described Payment Card and turnover card also can be taked other form, does not describe in detail at this.
In addition, among this embodiment, described Payment Card and turnover card can be chosen the full terminal of NFC, NFC-SWP, 13.56M double-interface card, 2.4G RFID-SIM card, pasting card, SD card, the arbitrary array mode of IC-card.
Embodiment of the method one:
Below in conjunction with accompanying drawing, method of the present invention is described in detail;
Wherein, Fig. 5 is the schematic flow sheet of off line payment account fund mandate consuming method of the present invention;
As shown in Figure 5, described method specifically comprises the following steps:
S101: freeze all or part of fund as the mandate fund from Payment Card;
Specifically, among this step, freeze part or all of fund as the mandate fund from Payment Card and be transferred to authorize in fund account; And the fund in this mandate fund account can't consume normally, enclose and deposit, enclose the business such as put forward, and, among this step, specifically also comprise:
Generate transaction security key (transaction authentication KEY) according to described Payment Card by security algorithm; Simultaneously, record described transaction security key and described mandate principal amount information, so that the operation of follow-up step.
Wherein, described transaction security key be mainly for convenient when the follow-up operation, verify and ensure the security in whole transaction and capital transfer process.
Those skilled in the art should know, and in fact, the transaction security key is only a kind of of security authentication mechanism, and this method can also be taked other authentication.
S102: open turnover card, the amount of money of described mandate fund is write in the turnover card;
Specifically comprise: described mandate principal amount and transaction security key are written in the turnover card together; Simultaneously, set up and record the interim binding relationship that has enough to meet the need between card and Payment Card.
S103: after the turnover card is consumed, determine and record the real consumption amount of money of turnover card; Specifically comprise: the transaction security key of authentication turnover card;
Interim binding relationship between verification turnover card and Payment Card, the real consumption amount of money of record turnover card, and nullify the turnover card.
S104: the fund of mandate described in Payment Card of thawing is also therefrom deducted the corresponding real consumption amount of money.Specifically comprise:
The transaction security key of authentication Payment Card;
Interim binding relationship between verification Payment Card and turnover card, and the fund of mandate described in Payment Card of thawing simultaneously according to the real consumption amount of money of the turnover card that records, are deducted the corresponding consumption amount of money from Payment Card.
After the present invention has taked technique scheme, can carry out from Payment Card all or part of fund freeze and with it as the mandate fund, and the amount of money that should the mandate fund is written among the turnover card, consume and still can carry out other in Payment Card, and then solved in the prior art because certain Payment Card can't use the shortcoming that can't use this Payment Card that causes under specific environment; In addition, the present invention does not need to carry out and the background server networking, just can carry out different off line accounts, asynchronous or non real-time fund mandate.
Embodiment of the method two:
Present invention is described with reference to accompanying drawing further; Wherein, Fig. 6 is the schematic flow sheet of off line payment account fund mandate consuming method of the present invention, and as shown in the figure, described method specifically comprises:
S201: the validation of payment card also obtains its available funds accounts information;
Specifically comprise, by described Payment Card fund mandate consumption terminal, Payment Card is verified and read, to get the fund information in the available funds account in Payment Card.
S202: freeze all or part of mandate amount of money to authorizing in fund account from described available funds account; Specifically comprise, according to the scene needs of setting, calculate the principal amount that will consume, change certain mandate amount of money over to authorizing in fund account in the available funds account from Payment Card, this part mandate amount of money is frozen in authorizing fund account, and cannot carry out other consumption.
S2021: generate the transaction security key according to Payment Card;
This transaction security key generates based on certain security algorithm, when the follow-up operation, verifies and ensure the security in whole transaction and capital transfer process with convenient.
S203: mandate amount information and the above-mentioned transaction security key of preserving above-mentioned mandate fund account, specifically, in an embodiment, preserve above-mentioned mandate amount information and above-mentioned transaction security key by described fund mandate consumption terminal, so that follow-up turnover is sticked into line operate.
S204: open the turnover card, write the fund information of authorizing the single-candidate in fund account in described Payment Card in the fund account in blocking to turnover, simultaneously, write the transaction security key in the turnover card.
S205: the interim binding relationship of setting up and preserve Payment Card and turnover card; Usually, this interim binding relationship is to be kept on fund mandate consumption terminal equally, and this interim binding relationship can also be used to carry out the verification of Payment Card, turnover card in follow-up operation steps.
S206: the turnover card is consumed; Specifically, the turnover card can be consumed according to scene and terminal card reader that it was suitable for, to consume certain amount of money.
S207: after the consumption of turnover card was complete, checking turnover card received the information of the fund account of turnover card, and got the principal amount information that the turnover card is consumed.
S208: judge that whether the interim binding relationship between Payment Card and turnover card exists, and specifically comprises: based on the interim binding relationship of preserving, judge whether the interim binding relationship of Payment Card and turnover card exists;
Wherein, if there is interim binding relationship; Enter step S209: the mandate fund account of the Payment Card that thaws;
S210: deduct corresponding principal amount according to the principal amount information that the fund account of turnover card is consumed from Payment Card, for example, replace corresponding principal amount.
Thus, this method can be based on capital transfer and the clearing of turnover card and Payment Card, and then have satisfied the purpose that the off line Payment Card can be consumed under different occasions, and, the method does not need to carry out being connected with server, just can realize the technical purpose of off-line management.
Further carry out safety verification by the transaction security key that reads between Payment Card, and its interim binding relationship by storing, do not need two off line payment card account to exist simultaneously, just can realize non real-time or asynchronous fund licensing process; And, because between Payment Card being carries out capital transfer and consumption by interim binding relationship and transaction security key, thus, can take not identical authentication between each Payment Card and separately terminal, therefore, this method is less to the transformation of existing Payment Card.
Embodiment of the method three:
Further, present invention is described below in conjunction with specific embodiment.
Wherein, among this embodiment, Payment Card is chosen mobile-phone payment card (RFID-SIM card), and this application scenario belongs under campus shower water control scene, and wherein, the turnover card is chosen the water card of using in common campus.Due to the restriction of mobile-phone payment card terminal, it can't be used among this environment; At this moment, need to take the method and terminal to process, as shown in Figure 7, its step comprises following step:
S301: on the POS terminal, brush mobile-phone payment card freezes the some or all of fund in the mobile phone Payment Card, specifically comprises:
A). change the mandate amount of money over to the mandate fund account from the available funds account of mobile-phone payment card, and this part principal amount is freezed, the POS terminal reads and records the described mandate amount information on the mobile-phone payment card; B) cross security algorithm with the mobile-phone payment cartoon and generate the transaction security key, and record simultaneously the above-mentioned mandate amount information of mobile-phone payment card;
S302: the above-mentioned mandate amount of money of mobile-phone payment card is changed in the water card, be water card mandate consumption fund amount, specifically comprise:
By the POS terminal, open the available funds account of water-through card, and the available funds account that the above-mentioned mandate amount of money and the transaction security key of mobile-phone payment card are write the entry card;
And set up and record interim binding relationship between mobile-phone payment card and water card.
S303: utilize the water card to carry out other consumption, for example, shower consumption;
S304: the water intaking card, determine the consumption amount of money;
S305: the described consumption amount of money of deduction from the mobile-phone payment card specifically comprises:
Remove binding relationship between the two, and carry out the deduction of the principal amount in the mobile-phone payment card according to the remaining sum in the water card, specifically comprise:
The transaction security key of POS terminal authentication water card, with the consumption amount record of water card in the POS terminal; By POS terminal log-down water card;
Obtain the transaction security key of mobile-phone payment card; Interim binding relationship between verification mobile-phone payment card and water card; The thaw mandate fund account of mobile-phone payment card, and reduce the real consumption amount of money of water card from authorize fund account.
The present embodiment has advantages of aforementioned arbitrary embodiment, that is to say, the invention solves because certain Payment Card can't use the shortcoming of this Payment Card of use that causes under specific environment; And the present invention does not need to network, and just can carry out different off line accounts, asynchronous or non real-time fund mandate.
It should be noted that at last: the above only is the preferred embodiments of the present invention, be not limited to the present invention, although with reference to previous embodiment, the present invention is had been described in detail, for a person skilled in the art, it still can be modified to the technical scheme that aforementioned each embodiment puts down in writing, and perhaps part technical characterictic wherein is equal to replacement.Within the spirit and principles in the present invention all, any modification of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (10)
1. off line payment card account fund mandate consuming method comprises:
A, freeze all or part of fund as the mandate fund from Payment Card;
B, open turnover card, the amount of money of described mandate fund is write in the turnover card;
C, after turnover card is consumed, determine and record to have enough to meet the need the real consumption amount of money that blocks;
D, the fund of mandate described in Payment Card of thawing, and deduct the corresponding real consumption amount of money from Payment Card.
2. off line payment card account fund mandate consuming method according to claim 1, is characterized in that, in steps A, further comprises:
Generate the transaction security key according to described Payment Card; Record described transaction security key and described mandate principal amount information.
3. off line payment card account fund mandate consuming method according to claim 2, is characterized in that, in step B, further comprises:
Described mandate principal amount and transaction security key are written in the turnover card; Simultaneously, set up and record the interim binding relationship that has enough to meet the need between card and Payment Card.
4. off line payment card account fund mandate consuming method according to claim 3, is characterized in that, in step C, further comprises:
The transaction security key of authentication turnover card;
The real consumption amount of money of turnover card is determined and recorded to interim binding relationship between verification turnover card and Payment Card, and nullify the turnover card.
5. off line payment card account fund mandate consuming method according to claim 4, is characterized in that, in step D, further comprises:
The transaction security key of authentication Payment Card;
Interim binding relationship between verification Payment Card and turnover card, the fund of mandate described in Payment Card of thawing, and according to the real consumption amount of money of the turnover card of record, the corresponding consumption of the deduction amount of money from Payment Card.
6. off line payment card account fund mandate consumption terminal comprises:
The fund entitlement management module is used for freezing all or part of fund as the mandate fund from Payment Card; Open turnover card, the amount of money of described mandate fund is write in the turnover card;
The real consumption amount of money of turnover card is determined and recorded to the settlement of transactions module after the turnover card is consumed; The fund of mandate described in Payment Card of thawing, and from Payment Card the real consumption amount of money corresponding to deduction.
7. off line payment card account fund mandate consumption terminal according to claim 6, is characterized in that, described fund entitlement management module specifically comprises:
The account operation unit, be used for freezing from the available funds account of Payment Card all or part of fund as the mandate fund to authorizing in fund account;
The transaction authentication administrative unit is used for generating the transaction security key according to described Payment Card;
Information memory cell is used for recording described transaction security key and described mandate principal amount information.
8. off line payment card account fund mandate consumption terminal according to claim 7, is characterized in that, described fund entitlement management module further comprises:
The information writing unit is used for described mandate principal amount and transaction security key are written to the turnover card;
The temporary relation administrative unit is used for setting up and recording the interim binding relationship that has enough to meet the need between card and Payment Card.
9. off line payment card account fund mandate consumption terminal according to claim 7, is characterized in that, described settlement of transactions module specifically comprises:
The transaction authentication unit is used for the transaction security key that the authentication turnover blocks;
Authentication unit is used for the interim binding relationship of turnover card and Payment Card is carried out verification;
The settlement of transactions unit is used for the real consumption amount of money of record turnover card, and nullifies the turnover card.
10. off line payment card account fund mandate consumption terminal according to claim 9, is characterized in that, in described settlement of transactions module, described transaction authentication unit also is used for the transaction security key of authentication Payment Card;
Described authentication unit also is used for the interim binding relationship of Payment Card and turnover card is carried out verification;
Described settlement of transactions unit, the mandate fund of the Payment Card that also is used for thawing, and according to the real consumption amount of money of the turnover card of record, the corresponding consumption of the deduction amount of money from Payment Card.
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| CN201110337763.1A CN103093343B (en) | 2011-10-31 | 2011-10-31 | A kind of off line payment card account fund mandate consuming method and terminal |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104376453A (en) * | 2014-10-29 | 2015-02-25 | 中国建设银行股份有限公司 | Online payment method and system |
| CN105046492A (en) * | 2015-07-10 | 2015-11-11 | 苏州海博智能***有限公司 | Consumption authorization method and system |
| CN105931033A (en) * | 2015-12-21 | 2016-09-07 | ***股份有限公司 | Off-line consumption method and apparatus |
| CN108369706A (en) * | 2015-12-29 | 2018-08-03 | 万事达卡国际股份有限公司 | Authorize the method to the transaction request of Payment Card |
| CN108831048A (en) * | 2018-09-20 | 2018-11-16 | 安徽亘达信息科技有限公司 | A kind of intelligent receive-transmit card charging system and method based on code scaning information |
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| CN101923754A (en) * | 2009-06-17 | 2010-12-22 | 中国工商银行股份有限公司 | System and method for realizing rapid payment based on bank intelligent card |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104376453A (en) * | 2014-10-29 | 2015-02-25 | 中国建设银行股份有限公司 | Online payment method and system |
| CN105046492A (en) * | 2015-07-10 | 2015-11-11 | 苏州海博智能***有限公司 | Consumption authorization method and system |
| CN105046492B (en) * | 2015-07-10 | 2022-04-05 | 苏州海博智能***有限公司 | Authorized consumption method and system |
| CN105931033A (en) * | 2015-12-21 | 2016-09-07 | ***股份有限公司 | Off-line consumption method and apparatus |
| WO2017107870A1 (en) * | 2015-12-21 | 2017-06-29 | ***股份有限公司 | Offline payment method and device |
| CN105931033B (en) * | 2015-12-21 | 2021-08-27 | ***股份有限公司 | Offline consumption method and device |
| CN108369706A (en) * | 2015-12-29 | 2018-08-03 | 万事达卡国际股份有限公司 | Authorize the method to the transaction request of Payment Card |
| CN108831048A (en) * | 2018-09-20 | 2018-11-16 | 安徽亘达信息科技有限公司 | A kind of intelligent receive-transmit card charging system and method based on code scaning information |
| CN108831048B (en) * | 2018-09-20 | 2024-01-16 | 安徽亘达信息科技有限公司 | Intelligent card receiving and sending charging system and method based on code scanning information |
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