CN102779302A - Payment method and payment system - Google Patents
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- CN102779302A CN102779302A CN2011101191411A CN201110119141A CN102779302A CN 102779302 A CN102779302 A CN 102779302A CN 2011101191411 A CN2011101191411 A CN 2011101191411A CN 201110119141 A CN201110119141 A CN 201110119141A CN 102779302 A CN102779302 A CN 102779302A
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- 238000000034 method Methods 0.000 title claims abstract description 6
- 238000004891 communication Methods 0.000 claims abstract description 76
- 238000010295 mobile communication Methods 0.000 claims abstract description 26
- 238000012011 method of payment Methods 0.000 claims description 16
- 230000005540 biological transmission Effects 0.000 claims description 4
- 238000000605 extraction Methods 0.000 description 3
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- 230000000295 complement effect Effects 0.000 description 1
- 230000008878 coupling Effects 0.000 description 1
- 238000010168 coupling process Methods 0.000 description 1
- 238000005859 coupling reaction Methods 0.000 description 1
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Abstract
The invention relates to a payment system, which comprises a user terminal, an information transfer system, a fingerprint input system, a financial system and a fingerprint database. The user terminal and the information transfer system are respectively communicated with the financial system in a wireless or wired way, the fingerprint input system is communicated with the fingerprint database in a wireless or wired way, wherein the user terminal comprises a financial service terminal and a mobile communication terminal, the financial service terminal and the mobile communication terminal are accommodated in a mobile communication device, the financial service terminal is used for recording personal financial information of a user, the mobile communication terminal is used for recording personal communication information of the user, the personal communication information is bound with corresponding personal financial information and/or fingerprint information, and when the financial service terminal is successfully communicated with the financial system and transaction payment is completed, information of transaction completion is fed back to the mobile communication terminal by the financial system. The invention also provides a payment method. The payment system and the payment method can be used conveniently and has high security in transaction, and the stealing of consumer cards for transactions can be eliminated fundamentally.
Description
Technical field
The present invention relates to method of payment and payment system thereof, refer to especially a kind of both easy-to-use, have again the height transaction security method of payment and payment system thereof.
Background technology
At present, though the use of bank card has brought a lot of conveniences and agility for consumer's live and work; But; Along with popularizing of bank card, also rising year by year to the high-tech crime case of bank card, because the personally identifiable information that relates in most of bank card is limited; The offender has often utilized this defective; Steal or crack consumer's card number and password through various means,, brought considerable damage for the consumer who is injured to reach the purpose of usurping consumption, malicious overdraft cash.
Therefore, provide a kind of both easy-to-use, the payment system and the method for payment thereof that have the height transaction security again are necessity to address the above problem real.
Summary of the invention
The objective of the invention is to, provide a kind of both easy-to-use, have the method for payment and the payment system thereof of height transaction security again.
In order to realize the foregoing invention purpose; In one embodiment of the invention; A kind of payment system is provided; It comprises user terminal, the information transfer system and respectively with its financial sector that links through wireless or wired mode, wherein, said user terminal comprises financial service terminal that is placed in the personal financial information that is used for recording user in the mobile communication equipment jointly and the communication terminal that is used for the person-to-person communication information of recording user; Person-to-person communication information is bound with corresponding personal financial information each other; When financial service terminal and financial sector success UNICOM, and when accomplishing transaction payment, financial sector will conclude the business the completion information feedback to communication terminal.
In a preferred embodiment of the invention; Another kind of payment system also is provided; It comprises: user terminal, the information transfer system, fingerprint input system, financial sector and fingerprint database; User terminal, the information transfer system link through wireless or wired mode with financial sector respectively; Fingerprint input system and fingerprint database also link through wireless or wired mode, and wherein, said user terminal comprises financial service terminal that is placed in the personal financial information that is used for recording user in the mobile communication equipment jointly and the communication terminal that is used for the person-to-person communication information of recording user; Person-to-person communication information is bound with corresponding personal financial information and/or finger print information; When financial service terminal and financial sector success UNICOM, and when accomplishing transaction payment, financial sector will conclude the business the completion information feedback to communication terminal.
In the present invention, the said information transfer system can be installed on the bank card POS or be furnished with in the cash register terminal of the POS.Said financial service terminal can be bank card or has the IC-card of bank card functionality.Said communication terminal can be the mobile phone card.Said personal financial information comprises subscriber identity information, account, enciphered message and Transaction Information, and said person-to-person communication information comprises mobile phone card number and log.
The present invention also provides a kind of method of payment, and it may further comprise the steps:
Step 1) is carried out initialization setting and corresponding binding each other to user's person-to-person communication information with personal financial information;
Step 2) Transaction Information and the personal financial information that is built in the financial service terminal in the mobile communication equipment are sent to financial sector through the information transfer system;
Step 3) is carried out password authentification:
When the encrypted message of being imported was consistent with the encrypted message in the initial personal financial information, password authentification was passed through, and financial sector is sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplishes the transaction payment task;
When encrypted message of being imported and the encrypted message in the initial personal financial information were inconsistent, password authentification was not passed through, abort transactoin payment task;
The step 4) financial sector will be concluded the business and accomplished information feedback to communication terminal.
Wherein, in step 2) in, also can further may further comprise the steps:
Step 21), and is sent to financial sector with dealing money input information transmission system;
Step 22) through built-in financial service terminal in the information transfer system scanning mobile communication equipment, personal financial information is sent to financial sector.
In a preferred embodiment of the invention, another kind of method of payment is provided also, it may further comprise the steps:
Step 1) is carried out initialization setting and common the binding to user's person-to-person communication information, personal financial information and finger print information;
Step 2) Transaction Information and the personal financial information that is built in the financial service terminal in the mobile communication equipment are sent to financial sector through the information transfer system;
Step 3) is carried out fingerprint authentication:
(1) when fingerprint authentication passed through, financial sector was sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplished the transaction payment task;
(2) when fingerprint authentication obstructed out-of-date, end the payment task;
The step 4) financial sector will be concluded the business and accomplished information feedback to communication terminal.
In a preferred embodiment of the invention, in the step 3), further comprise the password authentification step: with the judgement of comparing of the encrypted message of encrypted message and the initial setting up of input,
(1) when password authentification and fingerprint authentication all through the time, financial sector is sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplishes the transaction payment task;
(2) when password authentification or fingerprint authentication obstructed out-of-date, end the payment task.
In step 4), financial sector will be concluded the business through wireless communication networks and accomplished information feedback to communication terminal.
Compared with prior art, method of payment of the present invention and payment system thereof can be widely used in the various financial transactions, improve the security of various transaction through fingerprint authentication, have following outstanding advantage:
1) convenience: the consumer can not carry consumption card in addition or any proof of identification can be accomplished financial transaction, has realized " no card spending ";
2) tight security: adopt fingerprint as encrypted credentials; The security and the precision of authentication have been improved; Even if password also can be avoided usurping under situation about being stolen; Fundamentally stop to usurp the phenomenon of consumption card transaction, thereby improved E-Security property and confidentiality significantly;
3) broad applicability: all have and the identification characteristics of identity that can unique definite people because fingerprint is for everybody; Have uniqueness, unchangeability, can not cracking, characteristic such as not repeated, non-reproduction; Thereby; Dry and cracked except part and the fingerprint that is difficult to extract, can be adaptable across most people.
3) personal financial information such as fingerprint and personal information, password, phone number and person-to-person communication associating information are provided with; On the one hand; Through the unique definite user's of multiple information identity, ensured the reliability and the credit rating of transaction, and; When the user loses consumption card, also can obtain again through various related data; On the other hand; Personal financial information and person-to-person communication information are associated; Make the information of transaction immediately to feed back on user's the communication apparatus through short message or other communication modes; Immediately obtaining transaction record, monitor the behaviour in service of bank card constantly, also is the effective means that ensures transaction security.
Embodiment
Embodiment one
Present embodiment provides a kind of payment system; It comprises user terminal, the information transfer system and respectively with its financial sector that links through wireless or wired mode; Wherein, Said user terminal comprises financial service terminal that is placed in the personal financial information that is used for recording user in the mobile communication equipment jointly and the communication terminal that is used for the person-to-person communication information of recording user, and person-to-person communication information is bound with corresponding personal financial information each other, when financial service terminal and financial sector success UNICOM; And when accomplishing transaction payment, financial sector will conclude the business the completion information feedback to communication terminal.
Wherein, said financial sector is used to provide financial service, preferred bank finance system.Said mobile communication equipment can be various handheld communication devices, like mobile phone, PDA, palm PC etc., and preferred mobile phone.
Said communication terminal is mobile phone card or network identity identification card; Be preferably the mobile phone card; When adopting the mobile phone card, communication terminal is realized being connected through communication carrier network and financial sector, when adopting the network identity identification card; Communication terminal can be realized being connected through the Internet and financial sector, and the user obtains instant transaction feedback information through network operation.Said financial service terminal is bank card or IC-card with bank card functionality; Embed in the mobile communication equipment for ease; Can financial service terminal be processed small size, size makes it embed in the mobile phone in the lump together with the mobile phone card of operator like the mobile phone card of mobile phone; Both carrying convenience was easy to operate again.
Said personal financial information comprises user's identity information, account, enciphered message and Transaction Information.The user requires financial service is provided to financial sector through account and enciphered message, as check Transaction Information, the operation etc. of paying, deposit and withdraw.Said person-to-person communication information comprises identity information, communication account and log etc.; Said communication account can be the mobile phone card number, and the user can obtain the information of Successful Transaction immediately for ease, person-to-person communication information is bound with corresponding personal financial information be provided with; As a certain cell-phone number being made as the wireless communication terminal of financial sector; When financial service terminal success and financial sector UNICOM, and when accomplishing the payment task, financial sector will be concluded the business the completion information feedback to communication terminal through the communication carrier network; Wherein, include details such as personal financial information, dealing money, exchange hour in the transaction completion information.The user can promptly read Transaction Information through mobile communication equipment, understands the state that transaction is accomplished.
The said information transfer system can be installed in the various equipment that can read personal financial information, like the bank card POS or be furnished with cash register terminal of the POS etc.The information transfer system reads personal financial information through the mode of infrared scan, and is sent to financial sector through wired or wireless mode.
When having only enciphered message when enciphered message and the initial setting up of input consistent, could accomplish delivery operation, guarantee user's transaction security.Said personal financial information is interrelated with enciphered message and corresponding one by one, and enciphered message comprises the password and the record etc. of signing.
Embodiment two
In the preferred embodiments of the present invention, another kind of payment system is provided, it comprises:
User terminal, the information transfer system, fingerprint input system, financial sector and fingerprint database; User terminal, the information transfer system link through wireless or wired mode with financial sector respectively; Fingerprint input system and fingerprint database also link through wireless or wired mode; Wherein, Said user terminal comprises financial service terminal that is placed in the personal financial information that is used for recording user in the mobile communication equipment jointly and the communication terminal that is used for the person-to-person communication information of recording user, and person-to-person communication information is bound with corresponding personal financial information and/or finger print information, when financial service terminal and financial sector success UNICOM; And when accomplishing transaction payment, financial sector will conclude the business the completion information feedback to communication terminal.
In the present embodiment; Said fingerprint input system is installed in the finger print input device; It comprises control circuit and the fingerprint read module and the fingerprint transport module that electrically connect with it respectively; Wherein, the fingerprint read module is used to scan typing fingerprint pattern information, and the fingerprint transport module is used for the fingerprint pattern information of obtaining is sent to fingerprint database through wired or wireless mode.Said fingerprint input system can be installed on the same bank card POS jointly with the information transfer system or be furnished with in the cash register terminal of the POS, makes it both can read and transmit personal financial information, can read and transmit the finger print information that is scanned again.
Said fingerprint database is used to store user's finger print information, and wherein, each finger print information is related with corresponding user's person-to-person communication information, personal financial information respectively, corresponding coupling.Said fingerprint database comprises the fingerprint characteristic extraction module of mutual electric connection; Fingerprint characteristic identification module and database; The fingerprint characteristic extraction module receives the finger print information that the fingerprint transport module of fingerprint input system transmits through wired or wireless mode, and extracts the proper vector that characterizes the fingerprint characteristic through feature extraction algorithm; In the fingerprint characteristic identification module; Said proper vector is inserted in recognizer in database of fingerprint, searches for the identical with it proper vector of searching; Through contrast, judge thus whether finger print information to be verified is the finger print information that is complementary with the individual subscriber Financial Information.
The present invention also further provides method of payment, and it may further comprise the steps:
Embodiment one
Step 1) is carried out initialization setting and corresponding binding each other to user's person-to-person communication information with personal financial information;
Step 2) Transaction Information and the personal financial information that is built in the financial service terminal in the mobile communication equipment are sent to financial sector through the information transfer system;
Step 3) is carried out password authentification:
When the encrypted message of being imported was consistent with the encrypted message in the initial personal financial information, password authentification was passed through, and financial sector is sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplishes the transaction payment task;
When encrypted message of being imported and the encrypted message in the initial personal financial information were inconsistent, password authentification was not passed through, abort transactoin payment task;
The step 4) financial sector will be concluded the business and accomplished information feedback to communication terminal.
Below be example with the payment services of bank finance system, specify method of payment of the present invention.
Wherein, in step 1), further may further comprise the steps:
Step 11) user is provided with initial personal financial information in the financial sector of bank, comprise user's identity information, account and enciphered message etc., chooses a certain phone number as person-to-person communication information;
Step 12) is each other bound related with person-to-person communication information the personal financial information of initial setting up;
In step 2) in, further may further comprise the steps:
Step 21) when trading activity takes place,, and is sent to financial sector with dealing money input information transmission system;
Step 22), thereby personal financial information is sent to financial sector through built-in financial service terminal in the information transfer system scanning mobile communication equipment.
In step 4), financial sector feeds back to communication terminal through the wireless communication networks mode of completion information through short message of will concluding the business, promptly on corresponding consumer's the mobile phone.
Adopt first kind of method of payment of the present invention, on the one hand,, both be convenient for carrying, need not be with consumption card in addition, bring great convenience for people's trip consumption using in the mobile communication equipments such as consumption card embedding mobile phone that record personal financial information; On the other hand, consumption card is not only and the mobile communication equipment physical connection, and that communication is set is related with the mobile phone card; When Transaction Success is accomplished; Transaction system can feed back to the mode of relationship trading information through short message on consumer's the mobile phone immediately, makes the consumer can immediately obtain transaction record, can monitor the behaviour in service of consumption card constantly; As when finding non-I or the transaction record licensed; The consumer can inform bank in time according to the Transaction Information that is fed back, and obtains the help of bank, remedies thereby the behavior that consumption card is usurped made in time.
The present invention also provides another kind of method of payment, and it may further comprise the steps:
Embodiment two
Step 1) is carried out initialization setting and common the binding to user's person-to-person communication information, personal financial information and finger print information;
Step 2) Transaction Information and the personal financial information that is built in the financial service terminal in the mobile communication equipment are sent to financial sector through the information transfer system;
Step 3) is carried out fingerprint authentication:
(1) when fingerprint authentication passes through, i.e. when the finger print information of institute's typing was consistent with initial fingerprint information, financial sector was sent payment instruction, took off the dealing money of corresponding financial service terminal, accomplished the transaction payment task;
(2) when fingerprint authentication obstructed out-of-date, end the payment task;
The step 4) financial sector will be concluded the business and accomplished information feedback to communication terminal.
Below be example with the bank paying service, specify method of payment of the present invention.
Wherein, in step 1), further may further comprise the steps:
Step 11) user is provided with initial personal financial information in the financial sector of bank, comprise user's identity information, account and enciphered message etc., chooses a certain phone number as person-to-person communication information;
Step 12) is provided with initial fingerprint information: at first, read fingerprint through the fingerprint read module scanning of finger print input device; Then, the fingerprint pattern that reads is sent to fingerprint database through wired or wireless mode, is made as initial fingerprint information through the fingerprint transport module;
Step 13) is bound person-to-person communication information, personal financial information and the finger print information of initial setting up jointly, to confirm user's identity uniquely.
In step 2) in, further may further comprise the steps:
Step 21) when the payment behavior takes place, with the dealing money input information transmission system such as the bank card POS or the cash register terminal of being furnished with the POS;
Step 22) with built-in bank card in the information transfer system scanning mobile communication equipment, imports bank's card number information, be sent to financial sector;
In step 3), further may further comprise the steps:
Step 31) gather fingerprint: through the fingerprint read module scanning typing fingerprint of finger print input device, the fingerprint transport module is sent to fingerprint database with the fingerprint pattern information of institute's typing and verifies;
Step 32) fingerprint characteristic extracts and comparison: adopt the characteristic alignment algorithm that finger print information and the initial fingerprint information of institute's typing are compared, be judged to be same finger and the finger print characteristic is consistent, then fingerprint authentication passes through, otherwise, then through verifying;
Step 32) when fingerprint authentication passed through, financial sector was sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplished the transaction payment task; When fingerprint authentication is obstructed out-of-date, end the payment task.
In step 4), financial sector feeds back to communication terminal through the wireless communication networks mode of completion information through short message of will concluding the business, promptly on corresponding consumer's the mobile phone.
Embodiment three
In a preferred embodiment of the invention, in step 3), further may further comprise the steps:
Step 31) carry out password authentification: the password input system input encrypted message through the information transfer system, be sent to financial sector, the encrypted message of encrypted message of being imported and initial setting up is compared; Consistent; Then password authentification is passed through, and is not consistent, and then password authentification is not passed through;
Step 32) carries out fingerprint authentication: through the fingerprint read module scanning typing fingerprint of finger print input device; The fingerprint transport module is sent to fingerprint database with the fingerprint pattern information of institute's typing and verifies; Adopt the characteristic alignment algorithm that the finger print information and the initial fingerprint information of institute's typing are compared, be judged to be same finger and the finger print characteristic is consistent, then fingerprint authentication passes through; Otherwise, then not through checking;
Step 33) when password and fingerprint authentication all through the time, financial sector is sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplishes the transaction payment task; When password authentification or fingerprint authentication are obstructed out-of-date, end the payment task.
Adopt method of payment of the present invention, have following some advantage:
1) convenience: the consumer can not carry consumption card in addition or any proof of identification can be accomplished financial transaction, has realized " no card spending ";
2) tight security: adopt identify label-fingerprint as encrypted credentials with uniqueness and unchangeability; The security and the precision of authentication have been improved; Even if password also can be avoided usurping under situation about being stolen; Fundamentally stop to usurp the phenomenon of consumption card transaction, thereby improved E-Security property and confidentiality significantly;
3) personal financial information such as fingerprint and personal information, password, phone number and person-to-person communication associating information are provided with; On the one hand; Through the unique definite user's of multiple information identity, ensured the reliability and the credit rating of transaction, and; When the user loses consumption card, also can obtain again through various related data; On the other hand; Personal financial information and person-to-person communication information are associated; Make the information of transaction immediately to feed back on user's the communication apparatus through short message or other communication modes; Immediately obtaining transaction record, monitor the behaviour in service of bank card constantly, also is the effective means that ensures transaction security.
Claims (10)
1. payment system; It comprises user terminal, the information transfer system and respectively with its financial sector that links through wireless or wired mode; It is characterized in that; Said user terminal comprises financial service terminal that is placed in the personal financial information that is used for recording user in the mobile communication equipment jointly and the communication terminal that is used for the person-to-person communication information of recording user, and person-to-person communication information is bound with corresponding personal financial information each other, when financial service terminal and financial sector success UNICOM; And when accomplishing transaction payment, financial sector will conclude the business the completion information feedback to communication terminal.
2. payment system; It is characterized in that comprising: user terminal, the information transfer system, fingerprint input system, financial sector and fingerprint database; Wherein, User terminal, the information transfer system link through wireless or wired mode with financial sector respectively, and fingerprint input system and fingerprint database also link through wireless or wired mode
Wherein, Said user terminal comprises financial service terminal that is placed in the personal financial information that is used for recording user in the mobile communication equipment jointly and the communication terminal that is used for the person-to-person communication information of recording user; Person-to-person communication information is bound with corresponding personal financial information and/or finger print information; When financial service terminal and financial sector success UNICOM, and when accomplishing transaction payment, financial sector will conclude the business the completion information feedback to communication terminal.
3. according to claim 1 or claim 2 payment system, it is characterized in that: the said information transfer system is installed on the bank card POS or is furnished with in the cash register terminal of the POS.
4. according to claim 1 or claim 2 payment system is characterized in that: said financial service terminal is bank card or IC-card with bank card functionality, and said communication terminal is the mobile phone card.
5. according to claim 1 or claim 2 payment system, it is characterized in that: said personal financial information comprises subscriber identity information, account, enciphered message and Transaction Information, said person-to-person communication information comprises mobile phone card number and log.
6. method of payment is characterized in that may further comprise the steps:
Step 1) is carried out initialization setting and corresponding binding each other to user's person-to-person communication information with personal financial information;
Step 2) Transaction Information and the personal financial information that is built in the financial service terminal in the mobile communication equipment are sent to financial sector through the information transfer system;
Step 3) is carried out password authentification:
When the encrypted message of being imported was consistent with the encrypted message in the initial personal financial information, password authentification was passed through, and financial sector is sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplishes the transaction payment task;
When encrypted message of being imported and the encrypted message in the initial personal financial information were inconsistent, password authentification was not passed through, abort transactoin payment task;
The step 4) financial sector will be concluded the business and accomplished information feedback to communication terminal.
7. method of payment as claimed in claim 6 is characterized in that:
In step 2) in, further may further comprise the steps:
Step 21), and is sent to financial sector with dealing money input information transmission system;
Step 22) through built-in financial service terminal in the information transfer system scanning mobile communication equipment, personal financial information is sent to financial sector.
8. method of payment is characterized in that may further comprise the steps:
Step 1) is carried out initialization setting and common the binding to user's person-to-person communication information, personal financial information and finger print information;
Step 2) Transaction Information and the personal financial information that is built in the financial service terminal in the mobile communication equipment are sent to financial sector through the information transfer system;
Step 3) is carried out fingerprint authentication:
(1) when fingerprint authentication passed through, financial sector was sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplished the transaction payment task;
(2) when fingerprint authentication obstructed out-of-date, end the payment task;
The step 4) financial sector will be concluded the business and accomplished information feedback to communication terminal.
9. method of payment as claimed in claim 8 is characterized in that:
In step 3), further comprise the password authentification step: with the judgement of comparing of the encrypted message of encrypted message and the initial setting up of input,
(1) when password authentification and fingerprint authentication all through the time, financial sector is sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplishes the transaction payment task;
(2) when password authentification or fingerprint authentication obstructed out-of-date, end the payment task.
10. like claim 6 or 8 described methods of payment, it is characterized in that:
In step 4), financial sector will be concluded the business through wireless communication networks and accomplished information feedback to communication terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011101191411A CN102779302A (en) | 2011-05-10 | 2011-05-10 | Payment method and payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011101191411A CN102779302A (en) | 2011-05-10 | 2011-05-10 | Payment method and payment system |
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|---|---|
| CN102779302A true CN102779302A (en) | 2012-11-14 |
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| CN2011101191411A Pending CN102779302A (en) | 2011-05-10 | 2011-05-10 | Payment method and payment system |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103854363A (en) * | 2012-11-29 | 2014-06-11 | 安凯(广州)微电子技术有限公司 | Identity authentication method, device and system based on automatic teller machine (ATM) |
| CN104038927A (en) * | 2013-03-04 | 2014-09-10 | 中国银联股份有限公司 | Intelligent card security control method by means of mobile phone communication function |
| CN105190662A (en) * | 2013-03-13 | 2015-12-23 | 哈瑞克思信息科技公司 | Mobile payment processing system and method thereof |
| RU2749748C2 (en) * | 2017-03-14 | 2021-06-16 | Фраунхофер-Гезелльшафт Цур Фердерунг Дер Ангевандтен Форшунг Е.Ф. | Authenticated confirmation and activation message |
-
2011
- 2011-05-10 CN CN2011101191411A patent/CN102779302A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103854363A (en) * | 2012-11-29 | 2014-06-11 | 安凯(广州)微电子技术有限公司 | Identity authentication method, device and system based on automatic teller machine (ATM) |
| CN104038927A (en) * | 2013-03-04 | 2014-09-10 | 中国银联股份有限公司 | Intelligent card security control method by means of mobile phone communication function |
| CN105190662A (en) * | 2013-03-13 | 2015-12-23 | 哈瑞克思信息科技公司 | Mobile payment processing system and method thereof |
| CN105190662B (en) * | 2013-03-13 | 2019-07-30 | 哈瑞克思信息科技公司 | Mobile payment processing system and method thereof |
| US10963859B2 (en) | 2013-03-13 | 2021-03-30 | Harexinfotech Inc. | Mobile payment processing system and method therefor |
| RU2749748C2 (en) * | 2017-03-14 | 2021-06-16 | Фраунхофер-Гезелльшафт Цур Фердерунг Дер Ангевандтен Форшунг Е.Ф. | Authenticated confirmation and activation message |
| US11336426B2 (en) | 2017-03-14 | 2022-05-17 | Fraunhofer-Gesellschaft zur Förderung der angewandten Forschung e.V. | Authenticated confirmation and activation message |
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