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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- 238000013475 authorization Methods 0.000 claims abstract description 41
- 230000007306 turnover Effects 0.000 claims description 89
- 230000008014 freezing Effects 0.000 claims description 11
- 238000007710 freezing Methods 0.000 claims description 11
- 238000012795 verification Methods 0.000 claims description 8
- 230000006855 networking Effects 0.000 abstract description 6
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- 238000012546 transfer Methods 0.000 description 9
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- 238000004891 communication Methods 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 3
- 238000012545 processing Methods 0.000 description 3
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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 invention relates to a payment card account fund authorized consumption terminal and a payment card account fund authorized consumption method, in particular to a method and a terminal for supporting different offline account fund authorized consumption, and belongs to the field of mobile electronic commerce.
Background
Mobile electronic commerce is an important development of electronic commerce in mobile communication technology, and is one of the future development trends of electronic commerce.
In the field of mobile electronic commerce, offline payment is a main mode of on-site payment and is mainly applied to places such as buses, subways, fast food restaurants and the like. As operators go deep into mobile electronic commerce, mobile phone payment becomes a main mode of on-site payment, and group customers such as campuses, enterprises and the like gradually use mobile phones to replace access cards and consumption cards.
There are several main ways in the technology of mobile payment: NFC full terminal, NFC-SWP, 13.56M double-interface card, 2.4G RFID-SIM card, pad pasting card, SD card and the like. The above-mentioned mobile payment technical scheme all needs to use the mobile phone as the carrier of payment transaction.
In the field payment process, the POS terminal mainly realizes the transaction functions of off-line consumption and the like;
in addition, the existing mobile phone payment technology must use the mobile phone as a carrier for payment in the payment process, but the use of the mobile phone is limited in some environments, for example: the campus water control consumption application (including campus card water opening consumption, bathroom bathing consumption and the like) is not suitable for the mobile phone in the bathroom and water room environment due to the waterproof design problem of the terminal; the mobile phone can not be used in the environment of the gas station because of the explosion-proof requirement of the gas station; the mobile phone has low electric quantity, the radio frequency power paid by the mobile phone has electric quantity requirement on the mobile phone terminal, and the electric quantity is not low enough to support the mobile phone to complete on-site payment.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides an offline payment card account fund authorization consumption terminal which can support the fund authorization transfer of different offline accounts under the condition of no networking and also discloses an offline payment card account fund authorization consumption method.
According to the first purpose of the invention, the invention provides an authorized consumption method of off-line payment card account funds, which mainly adopts the following technical scheme:
an offline payment card account fund authorized consumption method, comprising:
A. freezing all or part of funds from the payment card as authorized funds;
B. opening a turnover card, and writing the amount of the authorized fund into the turnover card;
C. after the turnover card is consumed, determining and recording the actual consumption amount of the turnover card;
D. and unfreezing the authorized fund in the payment card, and deducting the corresponding actual consumption amount from the payment card.
Preferably, the method further includes, in step a:
generating a transaction security key according to the payment card; and recording the transaction security key and the authorized fund amount information.
Preferably, the method further comprises, in step B:
writing the authorized fund amount and a transaction security key into a turnover card; meanwhile, a temporary binding relationship between the turnover card and the payment card is established and recorded.
Preferably, the method further comprises, in step C:
authenticating a transaction security key of the turnover card;
and checking the temporary binding relationship between the turnover card and the payment card, determining and recording the actual consumption amount of the turnover card, and canceling the turnover card.
Preferably, the method further comprises, in step D:
authenticating a transaction security key of the payment card;
and checking the temporary binding relationship between the payment card and the turnover card, unfreezing the authorized fund in the payment card, and deducting corresponding consumption amount from the payment card according to the recorded actual consumption amount of the turnover card.
After the technical scheme is adopted, all or part of funds can be frozen from the payment card and taken as authorized funds, the amount of the authorized funds is written into the turnover card, and other consumption can still be carried out in the payment card, so that the defect that the payment card cannot be used due to the fact that a certain payment card cannot be used in a specific environment in the prior art is overcome; in addition, the invention can carry out different offline accounts and asynchronous or non-real-time fund authorization without networking with a background server.
According to a second object of the invention, the invention provides a fund authorization consumption terminal supporting different offline accounts, which comprises the following main technical scheme:
an offline payment card account funds authorization consumption terminal, comprising:
the fund authorization management module is used for freezing all or part of funds from the payment card as authorized funds; opening a turnover card, and writing the amount of the authorized fund into the turnover card;
the transaction settlement module is used for determining and recording the actual consumption amount of the turnover card after the turnover card is consumed; and unfreezing the authorized fund in the payment card, and deducting the corresponding actual consumption amount from the payment card.
After the technical scheme is adopted, the consumption terminal can be authorized according to the fund, all or part of the fund is frozen from the payment card and is used as authorized fund, the amount of the authorized fund is written into the turnover card, and the payment card can still be used for other consumption, so that the defect that a certain payment card cannot be used in a specific environment in the prior art is overcome; in addition, the authorized consumption terminal can carry out different offline accounts and asynchronous or non-real-time fund authorization without networking with a background server.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. Wherein,
FIG. 1 is a schematic diagram of a prior art POS terminal;
FIG. 2 is a schematic diagram of an offline payment card account funds authorization consumption terminal of the present invention;
FIG. 3 is a schematic diagram of an off-line payment card account fund authorization consumption terminal according to the present invention;
FIG. 4 is a schematic view of the usage status of the offline payment card account funds authorization consumption terminal of the present invention;
FIG. 5 is a schematic flow chart of the method for authorized consumption of funds from an offline payment account according to the present invention;
FIG. 6 is a schematic flow chart of the method for authorized consumption of funds from an offline payment account of the present invention;
FIG. 7 is a flow chart illustrating an embodiment of the offline payment account fund authorized consumption method of the present invention.
Detailed Description
The first embodiment of the device:
the invention provides a consumption terminal for authorizing account funds among different offline payment cards, which aims to overcome the defect that the existing offline payment cards cannot be used in some occasions.
Wherein fig. 1 is a schematic diagram of a prior art POS terminal.
As shown in the figure, the POS terminal comprises a host main control module, a password keyboard communication module, an application logic processing module, a card security authentication module, an external communication module, a keyboard input and display module, and a card reader module, and is mainly used for performing consumption activities such as fund reading and fund deduction on an offline payment card, which is not described in detail herein.
FIG. 2 is a schematic diagram of an offline payment card account funds authorization consumption terminal of the present invention;
in this embodiment, the offline payment card account funds authorize the consumption terminal, again in the form of a POS terminal, as described with respect to this fig. 2.
Compared with the existing POS terminal shown in fig. 1, the difference between the existing POS terminal and the existing POS terminal is that the POS terminal includes an existing host main control module, a password keyboard communication module, an application logic processing module, a card security authentication module, an external communication module, a keyboard input and display module, and a card reader module, and further includes: the fund authorization management module is used for freezing all or part of funds from the payment card as authorized funds; opening a turnover card, and writing the amount of the authorized fund into the turnover card;
the transaction settlement module is used for determining and recording the actual consumption amount of the turnover card after the turnover card is consumed; and unfreezing the authorized fund in the payment card, and deducting the corresponding actual consumption amount from the payment card.
Therefore, the defect that the existing offline payment card cannot be used in some occasions can be overcome, the payment card can be operated by the offline payment card account fund authorization consumption terminal, and part or all of fund amount information of the payment card is transferred to another turnover card suitable for a use scene, so that the purpose of transferring the payment card account fund is achieved; in addition, the fund authorized consumption terminal can realize fund transfer of different offline accounts without being networked with a background server.
In addition, in a more preferred embodiment, among others, fig. 3 is a schematic structural diagram of an offline payment card account fund authorization consumption terminal of the present invention, as shown in fig. 3:
the fund authorization management module specifically comprises: the account operating unit is used for freezing all or part of funds from the available fund accounts in the payment card as authorized funds into the authorized fund accounts;
the transaction authentication management unit is used for generating a transaction security key according to the payment card;
and the information storage unit is used for recording the transaction security key and the authorized fund amount information.
And, in a more preferred embodiment, the fund authorization management module further comprises:
the information writing unit is used for writing the authorized fund amount and the transaction security key into the turnover card; and the temporary relation management unit is used for establishing and recording the temporary binding relation between the turnover card and the payment card.
Further, according to an embodiment of the present invention, the transaction settlement module specifically includes:
the transaction authentication unit is used for authenticating a transaction security key of the turnover card; the verification unit is used for verifying the temporary binding relationship between the turnover card and the payment card; and the transaction settlement unit is used for recording the actual consumption amount of the turnover card and canceling the turnover card.
Furthermore, according to a more preferred embodiment, in the transaction settlement module, the transaction authentication unit is further configured to authenticate a transaction security key of a payment card;
the verification unit is also used for verifying the temporary binding relationship between the payment card and the turnover card;
and the transaction settlement unit is also used for unfreezing the authorized fund in the payment card and deducting corresponding consumption amount from the payment card according to the recorded actual consumption amount of the turnover card.
That is to say, the fund authorization consumption terminal of the invention carries out the safe transaction verification by reading the transaction safety key between the payment cards, and through the stored temporary binding relationship, the non-real-time or asynchronous fund authorization process can be realized without the simultaneous existence of two off-line payment card accounts;
in addition, because the fund transfer and consumption are carried out between the payment cards through the temporary binding relationship and the transaction security key, different security authentication modes can be adopted between each payment card and each terminal, and therefore, the scheme of the conventional payment card is less influenced.
FIG. 4 is a schematic view of the usage status of the offline payment card account funds authorization consumption terminal of the present invention;
as shown, it includes a payment card, a turnover card, an offline payment card account fund authorization consumption terminal (POS terminal) and a second terminal card reader (POS machine or other consumption terminal), where the payment card cannot be directly used on the second terminal card reader, limited by the second terminal card reader or the use occasion.
Therefore, account fund information transfer between the off-line payment card account fund authorization consumption terminal and the payment card and the turnover card can be achieved, part or all of fund information can be taken out from the payment card and transferred into the turnover card, and the turnover card can be used for achieving the technical purpose of consuming the payment card.
Further, in this embodiment, the account in the payment card includes: available funds accounts and authorized funds accounts, and the two accounts are designed as follows:
1. suppose that: the account state comprises a normal state, a frozen state and a logout state
2. The services and status that each account can perform:
wherein, X represents that the state is unavailable, namely the fund account can be used, and all consumption services in normal state can be carried out, such as consumption, earmark, transfer to an authorized fund account and logout;
the authorized fund account only has the functions of transferring amount, unfreezing, cancelling and the like, and can not perform consumption business in a normal state.
Further, the account of the revolving card may contain only available funds accounts.
Of course, the account form of the payment card and the turnover card may also take other forms, and will not be described in detail herein.
In addition, in this embodiment, the payment card and the circulation card may be any combination of an NFC full terminal, an NFC-SWP, a 13.56M dual-interface card, a 2.4G RFID-SIM card, a film card, an SD card, and an IC card.
The first embodiment of the method comprises the following steps:
the method of the present invention is described in detail below with reference to the accompanying drawings;
FIG. 5 is a flow chart of the offline payment account fund authorized consumption method of the present invention;
as shown in fig. 5, the method specifically includes the following steps:
s101: freezing all or part of funds from the payment card as authorized funds;
specifically, in this step, part or all of the funds are frozen from the payment card as authorized funds and transferred to the authorized funds account; and the fund in the authorized fund account can not be normally consumed, earmarked and the like, and in the step, the method specifically comprises the following steps:
generating a transaction security KEY (transaction authentication KEY) through a security algorithm according to the payment card; and simultaneously, recording the transaction security key and the authorized fund amount information so as to facilitate subsequent steps.
The transaction security key is mainly used for facilitating verification and guaranteeing security in the whole transaction and fund transfer process during subsequent operation.
Those skilled in the art should understand that, in fact, the transaction security key is only one kind of security authentication mechanism, and the method may also adopt other security authentication methods.
S102: opening a turnover card, and writing the amount of the authorized fund into the turnover card;
the method specifically comprises the following steps: writing the authorized fund amount and a transaction security key into a turnover card; meanwhile, a temporary binding relationship between the turnover card and the payment card is established and recorded.
S103: after the turnover card is consumed, determining and recording the actual consumption amount of the turnover card; the method specifically comprises the following steps: authenticating a transaction security key of the turnover card;
and checking the temporary binding relationship between the turnover card and the payment card, recording the actual consumption amount of the turnover card, and canceling the turnover card.
S104: defreezing the authorized funds in the payment card and deducting the corresponding actual consumption amount from the authorized funds. The method specifically comprises the following steps:
authenticating a transaction security key of the payment card;
and checking the temporary binding relationship between the payment card and the turnover card, unfreezing the authorized fund in the payment card, and simultaneously deducting corresponding consumption amount from the payment card according to the recorded actual consumption amount of the turnover card.
After the technical scheme is adopted, all or part of funds can be frozen from the payment card and taken as authorized funds, the amount of the authorized funds is written into the turnover card, and other consumption can still be carried out in the payment card, so that the defect that the payment card cannot be used due to the fact that a certain payment card cannot be used in a specific environment in the prior art is overcome; in addition, the invention can carry out different offline accounts and asynchronous or non-real-time fund authorization without networking with a background server.
The second method embodiment:
the invention is further described with reference to the accompanying drawings; fig. 6 is a schematic flow chart of the offline payment account fund authorized consumption method of the present invention, as shown in the figure, the method specifically includes:
s201: verifying the payment card and acquiring the available fund account information of the payment card;
the method specifically comprises the steps that the payment card is verified and read through the payment card fund authorization consumption terminal, so that fund information in an available fund account in the payment card is obtained.
S202: blocking all or a portion of the authorized amount from the available funds accounts into authorized funds accounts; specifically, the method comprises the steps of calculating the amount of funds to be consumed according to the set scene requirements, transferring a certain authorized amount from an available fund account in a payment card to an authorized fund account, and freezing the part of authorized amount in the authorized fund account without other consumption.
S2021: generating a transaction security key according to the payment card;
the transaction security key is generated based on a certain security algorithm, so that verification can be conveniently carried out during subsequent operation, and the security in the whole transaction and fund transfer process can be guaranteed.
S203: and storing the authorization amount information of the authorized fund account and the transaction security key, specifically, in the embodiment, storing the authorization amount information and the transaction security key through the fund authorization consumption terminal so as to facilitate the subsequent operation of the turnover card.
S204: opening the turnover card, writing the equal fund information in the authorized fund account in the payment card into the fund account in the turnover card, and simultaneously writing the transaction security key into the turnover card.
S205: establishing and storing a temporary binding relationship between the payment card and the turnover card; the temporary binding relationship is also generally stored on the fund authorization consumption terminal, and the temporary binding relationship can be used for verifying the payment card and the turnover card in the subsequent operation steps.
S206: consuming by the turnover card; specifically, the revolving card may consume according to the applicable scenario and the terminal card reader to consume a certain amount of money.
S207: and after the consumption of the turnover card is finished, verifying the turnover card, receiving the information of the fund account of the turnover card, and acquiring the fund amount information consumed by the turnover card.
S208: whether the temporary binding relationship between the payment card and the turnover card exists is judged, and the method specifically comprises the following steps: judging whether the temporary binding relationship between the payment card and the turnover card exists or not based on the stored temporary binding relationship;
wherein, if the temporary binding relationship exists; step S209 is entered: defreezing an authorized fund account of the payment card;
s210: the corresponding fund amount is deducted from the payment card according to the fund amount information consumed by the fund account of the turnover card, for example, the corresponding fund amount is replaced.
Therefore, the method can be based on fund transfer and settlement of the turnover card and the payment card, and further meets the purpose that the off-line payment card can consume in different occasions.
Further, the transaction security key between the payment cards is read for security verification, and the non-real-time or asynchronous fund authorization process can be realized through the stored temporary binding relationship without the simultaneous existence of two off-line payment card accounts; in addition, because the fund transfer and consumption are carried out between the payment cards through the temporary binding relationship and the transaction security key, different security authentication modes can be adopted between each payment card and each terminal, and therefore the method has small modification on the existing payment cards.
The third method embodiment:
further, the present invention is described below with reference to specific examples.
In the embodiment, the payment card selects a mobile phone payment card (RFID-SIM card), and the application scenario belongs to a campus shower water control scenario, wherein the turnover card selects a common campus water card. Due to the limitation of the mobile payment card terminal, the mobile payment card terminal cannot be used in the environment; at this time, the method and the terminal are required to perform processing, as shown in fig. 7, the steps include the following steps:
s301: swiping a mobile phone payment card on a POS terminal, and freezing part or all funds in the mobile phone payment card, wherein the method specifically comprises the following steps:
a) transferring an authorized amount from an available fund account of the mobile phone payment card to an authorized fund account, freezing the part of fund amount, and reading and recording the authorized amount information on the mobile phone payment card by the POS terminal; b) generating a transaction security key with the mobile phone payment card through a security algorithm, and simultaneously recording the authorization amount information of the mobile phone payment card;
s302: transferring the authorized amount of the mobile phone payment card into the water card to authorize the consumption fund amount for the water card, and specifically comprises the following steps:
opening an available fund account of the water card through the POS terminal, and writing the authorization amount and the transaction security key of the mobile phone payment card into the available fund account of the water card;
and establishing and recording a temporary binding relationship between the mobile phone payment card and the water card.
S303: other consumption using water cards, e.g., shower consumption;
s304: taking a water card, and determining the consumption amount;
s305: deducting the consumption amount from a mobile payment card, specifically comprising:
and removing the binding relationship between the two, and deducting the fund amount in the mobile phone payment card according to the balance in the water card, which specifically comprises the following steps:
the POS terminal authenticates the transaction security key of the water card and records the consumption amount of the water card in the POS terminal; logging out the water card through the POS terminal;
acquiring a transaction security key of a mobile phone payment card; checking the temporary binding relationship between the mobile phone payment card and the water card; and unfreezing the authorized fund account of the mobile phone payment card, and deducting the actual consumption amount of the water card from the authorized fund account.
The present embodiment has the advantages of any of the foregoing embodiments, that is, the present invention solves the disadvantages of using a certain payment card due to the fact that the payment card cannot be used in a specific environment; the invention can carry out different offline accounts and asynchronous or non-real-time fund authorization without networking.
Finally, it should be noted that: although the present invention has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that changes may be made in the embodiments and/or equivalents thereof without departing from the spirit and scope of the invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. An offline payment card account fund authorized consumption method, comprising:
A. freezing all or part of funds from the payment card as authorized funds;
B. opening a turnover card, and writing the amount of the authorized fund into the turnover card;
C. after the turnover card is consumed, determining and recording the actual consumption amount of the turnover card;
D. and unfreezing the authorized fund in the payment card, and deducting the corresponding actual consumption amount from the payment card.
2. The offline payment card account fund authorized consumption method according to claim 1, wherein in the step A, the method further comprises:
generating a transaction security key according to the payment card; and recording the transaction security key and the authorized fund amount information.
3. The offline payment card account fund authorized consumption method according to claim 2, wherein in the step B, the method further comprises:
writing the authorized fund amount and a transaction security key into a turnover card; meanwhile, a temporary binding relationship between the turnover card and the payment card is established and recorded.
4. The offline payment card account fund authorized consumption method according to claim 3, wherein in the step C, the method further comprises:
authenticating a transaction security key of the turnover card;
and checking the temporary binding relationship between the turnover card and the payment card, determining and recording the actual consumption amount of the turnover card, and canceling the turnover card.
5. The offline payment card account fund authorized consumption method according to claim 4, wherein in the step D, the method further comprises:
authenticating a transaction security key of the payment card;
and checking the temporary binding relationship between the payment card and the turnover card, unfreezing the authorized fund in the payment card, and deducting corresponding consumption amount from the payment card according to the recorded actual consumption amount of the turnover card.
6. An offline payment card account funds authorization consumption terminal, comprising:
the fund authorization management module is used for freezing all or part of funds from the payment card as authorized funds; opening a turnover card, and writing the amount of the authorized fund into the turnover card;
the transaction settlement module is used for determining and recording the actual consumption amount of the turnover card after the turnover card is consumed; and unfreezing the authorized fund in the payment card, and deducting the corresponding actual consumption amount from the payment card.
7. The offline payment card account fund authorization consumption terminal of claim 6, wherein the fund authorization management module specifically comprises:
the account operating unit is used for freezing all or part of funds from the available fund accounts in the payment card as authorized funds into the authorized fund accounts;
the transaction authentication management unit is used for generating a transaction security key according to the payment card;
and the information storage unit is used for recording the transaction security key and the authorized fund amount information.
8. The offline payment card account funds authorization consumption terminal of claim 7, wherein the funds authorization management module further comprises:
the information writing unit is used for writing the authorized fund amount and the transaction security key into the turnover card;
and the temporary relation management unit is used for establishing and recording the temporary binding relation between the turnover card and the payment card.
9. The offline payment card account fund authorization consumption terminal of claim 7, wherein the transaction settlement module specifically comprises:
the transaction authentication unit is used for authenticating a transaction security key of the turnover card;
the verification unit is used for verifying the temporary binding relationship between the turnover card and the payment card;
and the transaction settlement unit is used for recording the actual consumption amount of the turnover card and canceling the turnover card.
10. The offline payment card account fund authorization consumption terminal of claim 9, wherein in the transaction settlement module, the transaction authentication unit is further configured to authenticate a transaction security key of the payment card;
the verification unit is also used for verifying the temporary binding relationship between the payment card and the turnover card;
and the transaction settlement unit is also used for unfreezing the authorized fund in the payment card and deducting corresponding consumption amount from the payment card according to the recorded actual consumption amount of the turnover card.
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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 | 苏州海博智能系统有限公司 | Consumption authorization method and system |
| CN105931033A (en) * | 2015-12-21 | 2016-09-07 | 中国银联股份有限公司 | 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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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 | 苏州海博智能系统有限公司 | Consumption authorization method and system |
| CN105046492B (en) * | 2015-07-10 | 2022-04-05 | 苏州海博智能系统有限公司 | Authorized consumption method and system |
| CN105931033A (en) * | 2015-12-21 | 2016-09-07 | 中国银联股份有限公司 | Off-line consumption method and apparatus |
| WO2017107870A1 (en) * | 2015-12-21 | 2017-06-29 | 中国银联股份有限公司 | Offline payment method and device |
| CN105931033B (en) * | 2015-12-21 | 2021-08-27 | 中国银联股份有限公司 | 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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