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WO2017012036A1 - Procédé, système et dispositif de paiement par certificat électronique - Google Patents

Procédé, système et dispositif de paiement par certificat électronique Download PDF

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Publication number
WO2017012036A1
WO2017012036A1 PCT/CN2015/084618 CN2015084618W WO2017012036A1 WO 2017012036 A1 WO2017012036 A1 WO 2017012036A1 CN 2015084618 W CN2015084618 W CN 2015084618W WO 2017012036 A1 WO2017012036 A1 WO 2017012036A1
Authority
WO
WIPO (PCT)
Prior art keywords
electronic voucher
management server
receiving
certificate
electronic
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.)
Ceased
Application number
PCT/CN2015/084618
Other languages
English (en)
Chinese (zh)
Inventor
张毅
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shenzhen Cifpay Network Bank Technology Co Ltd
Original Assignee
Shenzhen Cifpay Network Bank Technology Co Ltd
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
Application filed by Shenzhen Cifpay Network Bank Technology Co Ltd filed Critical Shenzhen Cifpay Network Bank Technology Co Ltd
Priority to CN201580012885.XA priority Critical patent/CN106462852A/zh
Priority to PCT/CN2015/084618 priority patent/WO2017012036A1/fr
Priority to CA2994569A priority patent/CA2994569C/fr
Publication of WO2017012036A1 publication Critical patent/WO2017012036A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Definitions

  • the present invention relates to the field of electronic commerce technologies, and in particular, to an electronic vouchers processing method, system, and apparatus.
  • E-commerce uses the Internet platform to connect the participating parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, and to network, electronically and informatize the entire transaction process, reducing the cost of transactions. Increased trading efficiency.
  • E-commerce payment methods usually use online payment.
  • Traditional online payment is mostly to transfer the funds in the bank card directly to the other party's account, or to a third-party organization as a guarantee. After the buyer's fund transfer instruction is issued, the funds will flow directly. The following situations often occur: The buyer has not received the goods or services provided by the merchant, and the funds have been paid by the bank or a third party to the seller; or the seller provides the goods. After the service or the service, the buyer is unable to pay the corresponding funds; or the buyer transfers the funds to the wrong counterparty account. Therefore, the traditional online payment method has certain trading risks and cannot guarantee the interests of both buyers and sellers.
  • a primary object of the present invention is to provide an electronic voucher settlement method, system and apparatus, which aim to reduce transaction risk, improve flexibility and convenience of use of electronic voucher, and simplify transaction process.
  • the present invention provides an electronic voucher settlement method, including the steps of:
  • the card issuing end sends information of an electronic voucher to at least two receiving ends;
  • each receiving end submits a settlement request to the first fund management server
  • the first fund management server separately performs the payment of the electronic voucher according to the settlement request of each of the receiving parties.
  • the present invention also provides an electronic voucher settlement method, which is applied to a first fund management server, including steps
  • the electronic voucher is separately released according to each release request.
  • the present invention provides an electronic voucher settlement system, including a certificate terminal, a certificate receiving end, and a first money management server, wherein the certificate receiving end has at least two, wherein:
  • the authentication terminal is configured to send information of an electronic voucher to each of the receiving terminals;
  • the receiving end is configured to submit a settlement request to the first fund management server
  • the first fund management server is configured to separately perform the payment of the electronic certificate according to the cancellation request of each of the receiving parties.
  • the present invention also provides an electronic voucher processing device, which is applied to a first fund management server, including a receiving module and a solution module, wherein:
  • the receiving module is configured to receive a settlement request separately submitted by each of the receiving parties for the same electronic voucher; [0018] the dissolving module is configured to respectively solve the electronic voucher according to each dissolving request pay.
  • An electronic voucher settlement method, system and device provided by the present invention on the one hand, payment by electronic voucher reduces transaction risk; on the other hand, allows multiple receiving parties to perform the same electronic voucher
  • the second payment that is, the realization of one payment and multiple payment, so that the certificate (such as the buyer) does not need to establish a new electronic voucher to complete the next payment or transaction after completing a payment or transaction, improving the use of electronic voucher.
  • Convenience and flexibility simplify the transaction process so that multiple transactions can be completed with the same electronic voucher.
  • the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.
  • FIG. 1 is a flowchart of a first embodiment of an electronic voucher settlement method of the present invention
  • FIG. 2 is a flowchart of a second embodiment of an electronic voucher settlement method of the present invention.
  • 3 is a flowchart of a third embodiment of an electronic voucher settlement method of the present invention.
  • 4 is a block diagram showing an embodiment of an electronic voucher dispatching system of the present invention.
  • FIG. 5 is a block diagram showing an embodiment of an electronic voucher processing device of the present invention.
  • the fund management server is a server of the fund management institution, and the fund management institution refers to an institution capable of supporting capital flow, including a bank and other financial institutions (such as a securities institution), that is, the fund management server includes a bank server. Or other financial institution servers.
  • the electronic voucher refers to an electronic commitment payment voucher that is applied to the fund management server by the buyer with the funds or the credit line of the designated account as the security deposit, and is the commitment of the fund management institution.
  • the electronic credit certificate for clearing and receiving according to the allocation conditions is an Internet innovation basic financial instrument paid by the credit management institution's credit commitment.
  • the electronic voucher can also be called a silver letter.
  • the electronic voucher settlement means that the decertification institution (such as the Certified Bank) receives the application for cancellation and confirms that the payment is met, and then dispatches the electronic to the collection institution (such as the collection bank). The behavior of the funds associated with the voucher.
  • the decertification institution such as the Certified Bank
  • the collection institution such as the collection bank
  • the authentication terminal and the receiving terminal are electronic devices with information processing and transmission; for example, mobile phones and tablet devices.
  • FIG. 1 a first embodiment of an electronic voucher settlement method of the present invention is proposed.
  • the method includes the following steps:
  • the Sl and the certificate end send information of an electronic voucher to at least two receiving ends respectively.
  • the certificate terminal (such as the buyer side) applies to the first fund management server (ie, the certificate authority, such as the server of the bank of the bank) to establish an electronic certificate, and the first fund management server freezes the designated account in the certificate terminal. After the corresponding amount of funds or credit, the electronic voucher is established, and the notice of the certificate is sent to the card. After receiving the notification of the certificate, the card terminal sends the information of the electronic certificate to at least two receiving terminals (such as the seller). The information sent by the certificate terminal to the electronic certificate can be sent simultaneously or in succession. [0034] S12. Each of the collection terminals respectively submits a settlement request to the first fund management server through the corresponding second fund management server.
  • the first fund management server ie, the certificate authority, such as the server of the bank of the bank
  • the receiving end submits a request for the receipt to the corresponding second fund management server (ie, the receiving institution, such as the server of the receiving bank), and the second fund management server verifies the information correctly.
  • the second fund management server verifies the information correctly.
  • the receiving end After completing the transaction condition corresponding to the electronic voucher according to the payment condition of the electronic voucher, the receiving end sends a settlement request to the corresponding second fund management server by logging in the corresponding webpage or initiating the corresponding application, and secondly
  • the fund management server verifies the identity of the recipient, and after the verification is passed, forwards the settlement request to the first fund management server.
  • the second money management server may also directly forward to the first fund management server without verification.
  • the second fund management servers corresponding to different receiving ends may be the same or different.
  • the first fund management server separately solves the electronic voucher according to the cancellation request of each receiving terminal.
  • the first fund management server separately verifies each of the cancellation requests, and after the verification is passed, respectively, the accounts associated with the electronic voucher are solved (ie, the certificate is verified) The corresponding amount of funds in the specified account).
  • the first fund management server acquires the electronic voucher corresponding to the settlement request and the cancellation amount according to the settlement request, and verifies whether the electronic voucher is valid and has been cancelled. When the electronic voucher is valid and not solved, Then, the electronic voucher is executed, and the funds frozen in the designated account of the certificate terminal and the amount of the cancellation amount are transferred to the second fund management server.
  • the first money management server also needs to verify the identity of the recipient.
  • the card terminal can send the information of the electronic voucher to the receiving terminal at the same time or in succession, and each of the receiving terminals can also submit a request for cancellation to the first fund management server.
  • the certificate terminal first sends the information of the electronic voucher to a certificate receiving end, and when the card issuing end issues a settlement request to the first fund management server and completes the settlement, the card terminal sends the certificate to the next card.
  • the information of the electronic voucher as shown in FIG. 2, is a second embodiment of the electronic voucher settlement method of the present invention, which includes the following steps:
  • the certificate end sends information of the electronic voucher to the first certificate receiving end.
  • the second fund management server A receives the certificate according to the receipt request of the first receipt terminal.
  • the first receiving end submits a settlement request to the first fund management server through the second fund management server A.
  • the first fund management server performs electronic voucher cancellation according to the settlement request.
  • the first fund management server updates the electronic voucher status to a pending certificate, and sends status update information to the certificate terminal.
  • the notification card terminal has completed the electronic certificate settlement of the first certificate receiving end, for example, the status of the updated electronic certificate is the pending certificate, and Send status update information to the certificate side.
  • the certificate end sends information of the electronic voucher to the second certificate receiving end.
  • the verification terminal After receiving the notification that the first receiving end has completed the electronic voucher settlement, the verification terminal sends the information of the electronic voucher to the second receiving end.
  • the second fund management server B receives the certificate according to the receipt request of the second certificate receiving end.
  • the second collection end submits a settlement request to the first fund management server through the second fund management server B.
  • the first fund management server performs electronic voucher cancellation according to the settlement request.
  • each of the receiving terminals may directly submit a settlement request to the first fund management server, that is, each of the receiving parties directly sends the settlement request to the first fund.
  • Management server Thereafter, the collection institution and the certification institution are the same institution, and each collection terminal directly submits a request for collection to the first fund management server, and the first fund management server receives the certificate.
  • a third embodiment of the electronic voucher settlement method of the present invention is proposed.
  • the method of this embodiment is applied to the foregoing first fund management server, and the method includes the following steps:
  • S31 Receive a request for settlement by each of the receiving parties for the same electronic voucher.
  • the first fund management server receives, by each of the receiving parties, a request for settlement by the corresponding second fund management server for the same electronic certificate, specifically: each of the receiving terminals respectively sends a corresponding second fund
  • the management server sends a settlement request
  • the first fund management server receives each fund management server Forwarded settlement request.
  • the first fund management server receives a settlement request directly submitted by each of the receipt terminals for the same electronic voucher, that is, each of the collection terminals directly sends a settlement request to the first fund management server.
  • the first fund management server respectively verifies the respective payment requests, and after the verification is passed, separately allocates the funds of the corresponding amount in the account associated with the electronic voucher.
  • the first fund management server acquires the electronic voucher corresponding to the settlement request and the cancellation amount according to the settlement request, and verifies whether the electronic voucher is valid and has been released. When the electronic voucher is valid and not solved, Then, the electronic voucher is executed, and the funds frozen in the designated account of the certificate terminal and the amount of the cancellation amount are transferred to the second fund management server.
  • the first money management server further verifies the identity of the recipient.
  • each of the collection terminals may submit a settlement request to the first fund management server simultaneously or sequentially.
  • the first fund management server first receives a settlement request submitted by the receiving party, and after the completion of the settlement, notifies the issuing terminal according to the settlement request, such as updating the status of the electronic voucher as a pending certificate and sending the status to the certificate terminal. Update the information, and then receive the next payment request from the next receiving end and complete the solution, and so on. For details, see Figure 2, and details are not described here.
  • the electronic voucher settlement method of the present invention on the one hand, the payment by the electronic voucher reduces the transaction risk; on the other hand, allows multiple receiving parties to perform multiple cancellations on the same electronic voucher, that is, A multiple payment of a certificate allows the card terminal (such as the buyer) to complete the next payment or transaction without completing a new electronic voucher after completing a payment or transaction, improving the convenience and flexibility of the use of the electronic voucher. , simplifies the transaction process, so that the same electronic voucher can complete multiple transactions.
  • the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.
  • an embodiment of an electronic voucher settlement system of the present invention includes a certificate terminal, a certificate receiving end, a first fund management server, and a second fund management server, and the certificate receiving end has at least two , where:
  • the certificate terminal is set to apply for the certificate to the first fund management server, and apply for the establishment of the electronic certificate; after the certificate is successful, the information of the electronic certificate is separately sent to each of the collection terminals.
  • the receiving end is configured to submit a settlement request to the first fund management server through the corresponding second fund management server.
  • the receiving end after receiving the information of the electronic voucher, the receiving end sends a request for the receipt to the corresponding second fund management server, and after the second fund management server receives the certificate, sends a settlement to the second fund management server. request.
  • the second fund management server corresponding to different receiving ends may be the same or different.
  • a second fund management server configured to forward the settlement request of the certificate terminal to the first money management server
  • the second fund management server directly forwards the application to the first money management server.
  • the second fund management server verifies the identity of the recipient, and after the verification is passed, forwards the cancellation request to the first fund management server; Forward, and notify the receiving end that the verification failed.
  • the first fund management server is configured to set up the electronic voucher according to the request for the certificate of the certificate terminal; and separately release the electronic voucher according to the settlement request of each of the certificate terminals.
  • the first fund management server separately verifies each of the cancellation requests, and after the verification is passed, separately cancels the account associated with the electronic voucher (ie, the certificate is specified by the certificate terminal) The corresponding amount of funds in the account).
  • the first fund management server acquires the electronic voucher corresponding to the settlement request and the cancellation amount according to the settlement request, and verifies whether the electronic voucher is valid and has been released.
  • the electronic voucher is valid and not solved, Execute the payment to the electronic voucher, and transfer the funds equal to the cancellation amount in the funds frozen in the specified account of the certificate to the second fund management server.
  • the first money management server also needs to verify the identity of the recipient.
  • the verification terminal may send the information of the electronic voucher to the respective collection terminals simultaneously or sequentially, and each of the collection terminals may also submit a settlement request to the first fund management server simultaneously or sequentially.
  • the certificate terminal first sends the information of the electronic certificate to a certificate receiving end, and after the card issuing end issues the settlement request to the first fund management server and completes the settlement, the first fund management server notifies the card terminal, such as Change the status of the electronic voucher The new status is to be received and the status update information is sent to the certificate terminal. After receiving the status update information, the certificate terminal sends the information of the electronic certificate to the next certificate side, and so on.
  • the specific process is shown in Figure 2, where Not to repeat.
  • the second money management server may also be omitted, and each of the receiving terminals directly submits a settlement request to the first fund management server, that is, each of the receiving terminals directly sends the cancellation request to the first Money management server.
  • the collection institution and the certification institution are the same institution, and each of the collection terminals also directly submits a collection request to the first fund management server, and the first fund management server receives the certificate.
  • an embodiment of an electronic voucher processing device of the present invention is provided.
  • the device in this embodiment is applied to the foregoing first fund management server, and the device includes a receiving module and a solution module, where:
  • the receiving module is configured to receive a settlement request separately submitted by each of the receiving parties for the same electronic voucher.
  • the receiving module receives, by each of the receiving ends, a request for resolving the same electronic voucher through the corresponding second fund management server, specifically: each receiving end sends a dismissing request to the corresponding second fund management server, The receiving module respectively receives the settlement request forwarded by each fund management server.
  • the receiving module receives a settlement request directly submitted by each of the receiving parties for the same electronic voucher, that is, each receiving terminal directly sends a cancellation request to the first fund management server.
  • the payment module is configured to separately perform the payment of the electronic voucher according to each of the cancellation requests.
  • the solution module includes a verification unit and a solution unit, and the verification unit is configured to respectively verify each of the cancellation requests, and the solution unit is configured to cancel the account associated with the electronic certificate after the verification of the settlement request is passed (ie, the verification certificate) The corresponding amount of funds in the account specified by the certificate.
  • the verification unit acquires the electronic voucher corresponding to the settlement request and the cancellation amount according to the settlement request, and verifies whether the electronic voucher is valid and has been released.
  • the defining unit is Execute the payment to the electronic voucher, and transfer the funds equal to the cancellation amount in the funds frozen in the specified account of the certificate to the second fund management server.
  • each receiving terminal may submit a settlement request to the first fund management server simultaneously or sequentially.
  • the receiving module first receives a settlement request submitted by the receiving terminal, and the decoding module notifies the issuing terminal according to the settlement request, such as updating the status of the electronic certificate to be the certificate to be received and sending the status to the certificate terminal. Update the information, and then receive the next payment request from the next receiving end and send it out, and so on. For details, see Figure 2, and details are not described here.
  • the electronic voucher dispatching system and apparatus of the present invention pays by electronic voucher, reduces transaction risk; on the other hand, allows multiple receiving parties to perform multiple payment of the same electronic voucher, That is to realize the multiple settlement of the shackle, so that the vouchers (such as the buyer) do not need to establish new electronic vouchers to complete the next payment or transaction after completing a payment or transaction, which improves the convenience of using the electronic vouchers and Flexibility simplifies the transaction process so that the same electronic voucher can complete multiple transactions.
  • the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.
  • the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • An electronic voucher cancellation method, system and device provided by the present invention on the one hand, payment by electronic voucher reduces transaction risk; on the other hand, allows multiple receiving parties to carry out the same electronic voucher
  • the second payment that is, the realization of one payment and multiple payment, so that the certificate (such as the buyer) does not need to establish a new electronic voucher to complete the next payment or transaction after completing a payment or transaction, improving the use of electronic voucher.
  • Convenience and flexibility simplifying the transaction process, enabling the same electronic voucher to be completed Transactions.
  • the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé, un système et un dispositif de paiement par certificat électronique, le procédé comprenant les étapes suivantes : un terminal d'émission envoie respectivement des informations d'un certificat électronique à au moins deux terminaux de réception (S11) ; chaque terminal de réception soumet respectivement une demande de paiement à un premier serveur de gestion de fonds par l'intermédiaire d'un second serveur de gestion de fonds (S12) ; le premier serveur de gestion de fonds effectue respectivement un paiement par rapport au certificat électronique selon la demande de paiement de chaque terminal de réception (S13). Dans le procédé de paiement par certificat électronique, les paiements sont effectués par l'intermédiaire du certificat électronique, ce qui réduit le risque de transaction. De plus, le procédé permet à une pluralité de terminaux de réception d'effectuer des paiements multiples par rapport au même certificat électronique, de telle sorte qu'il n'est pas nécessaire pour le terminal d'émission, après l'achèvement d'un paiement ou d'une transaction, d'ouvrir un nouveau certificat électronique pour terminer le paiement suivant ou la transaction suivante, ce qui permet d'améliorer la commodité et la souplesse d'une utilisation de certificat électronique, et de simplifier le processus de transaction, de telle sorte que le même certificat électronique peut terminer une pluralité de transactions.
PCT/CN2015/084618 2015-07-21 2015-07-21 Procédé, système et dispositif de paiement par certificat électronique Ceased WO2017012036A1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CN201580012885.XA CN106462852A (zh) 2015-07-21 2015-07-21 电子凭证解付方法、系统和装置
PCT/CN2015/084618 WO2017012036A1 (fr) 2015-07-21 2015-07-21 Procédé, système et dispositif de paiement par certificat électronique
CA2994569A CA2994569C (fr) 2015-07-21 2015-07-21 Procede, systeme et dispositif de paiement par certificat electronique

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084618 WO2017012036A1 (fr) 2015-07-21 2015-07-21 Procédé, système et dispositif de paiement par certificat électronique

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WO2017012036A1 true WO2017012036A1 (fr) 2017-01-26

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CN (1) CN106462852A (fr)
CA (1) CA2994569C (fr)
WO (1) WO2017012036A1 (fr)

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CN1739115A (zh) * 2002-11-04 2006-02-22 贸易杠杆股份有限公司 产生跟单信用证并符合货运单据
US20070011103A1 (en) * 2005-06-19 2007-01-11 Foster Frederick D System and method for identity protected secured purchasing
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统

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CN101165716A (zh) * 2006-10-16 2008-04-23 祁勇 一种基于交易代码的电子支付方法
KR101318958B1 (ko) * 2010-05-06 2013-10-29 (주)시루정보 전자결제 서비스 방법과, 이를 실행하는 전자결제 서비스 장치, 이동통신 단말기 및 거래 단말기
CN103996114B (zh) * 2014-05-16 2017-10-20 网银在线（北京）科技有限公司 一种在线支付的方法和装置
CN106959982A (zh) * 2016-01-08 2017-07-18 深圳市星电商科技有限公司 获取资源的方法、装置和系统、监测方法和装置

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1739115A (zh) * 2002-11-04 2006-02-22 贸易杠杆股份有限公司 产生跟单信用证并符合货运单据
US20070011103A1 (en) * 2005-06-19 2007-01-11 Foster Frederick D System and method for identity protected secured purchasing
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统

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CA2994569A1 (fr) 2017-01-26
CN106462852A (zh) 2017-02-22
CA2994569C (fr) 2018-10-23

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