CN103268550A - Virtual account convenient application system based on mobile terminal and achieving method thereof - Google Patents
Virtual account convenient application system based on mobile terminal and achieving method thereof Download PDFInfo
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Abstract
The invention discloses a virtual account convenient application system based on a mobile terminal and an achieving method thereof. The mobile terminal of a user serves as a carrier, and the mobile terminal is connected with a cash terminal and a reliable mobile service platform of a merchant through the internet or a communication network. Based on the binding relation of a cell phone account of the mobile terminal and a virtual account, the reliable mobile service platform utilizes cell phone hardware to serve as an important medium for identification to achieve a basis of identification verification and trading monitoring, and provides various consumption modes regarding mobile payment consumption movements of a series of virtual accounts for each user in various application places. With the development of popularization of intelligent cell phones and the mobile internet, by the adoption of the technical scheme of the virtual account convenient application system, transaction safety is ensured, manufacturing cost of a financial practical card is reduced, and abuse of a false card is thoroughly eradicated, operation cost of mobile payment is reduced, and safety and low cost of the virtual account convenient application system based on the mobile terminal further facilitate popularization.
Description
Technical field
The present invention relates to a kind of credible mobile payment service platform, relate in particular to a kind of application process that the many technological incorporation of cloud computing, network, data base administration and encryption communication realize safety, convenient consumption and payment that fully utilizes.
Background technology
Along with rapid development of economy, the commercial consumption situation progressively takes a turn for the better, gos up, and especially bankcard consumption is still powerful.For tradition gathering mode, consumer or other user are when paying, the mostly related real card with certain Stored Value debit function that also must use, the debit card, the credit card that comprise each general relatively big bank according to the range size of application scenario, the coupons card in special market, the medical insurance card of medical institutions, student's all-purpose card in the campus-wide, or the special-purpose all-purpose card of the Technology Park of various scales, manufacturing district, also comprise certainly occurring recently and citizen that function is becoming better and approaching perfection day by day block etc. even more.These real card request users must carry, and show in use, have the bigger risk of losing, plundered.And the mostly related individual privacy information of real card, real card carry with process of consumption in all very easily cause the leakage of individual privacy, famine security.
Because the enormous amount of this type of real card, the manufacturing of this card, loss have caused huge starting material pressure concerning non-renewable resources in short supply day by day.And from the user point of view, carrying of multiple real card has bigger potential safety hazard, as the property loss risk of reporting the loss after losing, make up and following etc., some blocks in fact even must annually drop into certain annual fee and be kept.
Along with the develop rapidly of science and technology, as a kind of emerging disbursement and sattlement mode, mobile payment appears among people's the life more and more, has promoted social progress greatly.Facing under the above huge real card consumption pressure, particularly the pseudo-card of credit card spreads unchecked and the behavior of mad robber's brush, mobile payment now also is faced with arduous challenge, from following several respects: one, the trojan horse risk, the high-intelligentization day by day of current trojan horse, mutation is difficult to control, traditional killing means such as the words of untimely follow-up can't be taken precautions against or thoroughly remove, for example 2013 the outburst " set meal virus ", this will directly threaten mobile payment safety, especially troubling, thoroughly the preventing virus infringement can only be screened by the means of behavioural analysis; Two, account number safety, the website that current Net silver or mobile payment are relevant day by day becomes hacker's plan target, because the inherent shortcoming of traditional account number pattern, a large amount of account informations of storing in the database of such website have high insecurity, and the message that has the generation account to be stolen, to announce is seen in generation more.So the mobile payment particularly account number safety problem of financial field is pushed to the teeth of the storm especially.The security of mobile payment is the important threshold that determines that people accept this easy way and promote.
In actual life, the financial account information that is associated with everyone is numerous and complicated, sometimes even nearly tens, and the therefore cluster management of constructing virtual account number, and in life is used, realize polynary consumption or use request in single mode, be the current problem that presses for solution.
Summary of the invention
The present invention is directed to the active demand of above-mentioned mobile payment, propose a kind of virtual number of the account convenient type application system and its implementation based on portable terminal, had efficient, safe, agile and all-purpose and mobile payment solution especially easily in the hope of providing in the scope of a kind of specific region.This scheme can satisfy common people's mobile payment and other application demand of campus, hospital and even entire city.
Above-mentioned first purpose of the present invention, it realizes that technical scheme is: based on the virtual number of the account convenient type application system of portable terminal, portable terminal with the user is carrier, described portable terminal links to each other with credible mobile service platform with the cash register terminal of trade company by internet or communication network, it is characterized in that: the integrated registration interface unit that is provided with of described credible mobile service platform, net nationality library unit, the cash register interactive interface, the cloud computing recognition unit, mobile payment supplier interface unit and an above functional expansion unit, wherein said registration interface cell data output is connected to net nationality library unit, the output of described cash register interactive interface and net nationality library unit data is connected to the cloud computing recognition unit, and cloud computing recognition unit and mobile payment supplier interface unit special line are interconnected; Described portable terminal passes through external registration equipment or the access registration interface unit of portable terminal own based on identity recognition number and more than one the virtual account number of unique device id and respective user, in net nationality library unit, and the mobile payment that is provided with related described virtual number of the account in the described portable terminal is used with the record form index stores of system of real name account number; Described cash register terminal comprises portable cash register terminal and fixed cash register terminal and is equipped with mobile gathering to be used, under the cash register terminal presence with the cash register interactive interface synchronous interaction user identification information may of credible mobile service platform, payment request information and the payment affirmation information relevant with virtual account number, and under the cash register terminal off-line state with portable terminal near field interactive user identity identification information, payment request information and the payment affirmation information relevant with virtual account number.
Further, described more than one virtual account numbers are the multiple sub-account number under the system of real name account number, by application scenarios divide comprise be associated with supplementing with money under " my cash ", withdraw deposit, remaining sum; Account number under " I will pay the bill " is paid, bar code is paid, pat pay, swagger pay, sound wave is paid, is preengage and pays, guarantee is paid; Account number under " I will collect money " is received, bar code is received, swagger receipts, sound wave is received, reservation is received; Water under " life is paid the fees ", electricity, combustion gas, TV, fixed line, mobile phone, broadband, pay forfeit money; Cash certificate, reward voucher, integration under " my reward voucher "; Bank's debit card under " my card ", bank card, purchase card, member card, gate inhibition's card, all-purpose card, citizen's card, NFC card, SIM card; Q coin under " virtual coin ", the card of game points; Bus ticket among " ticket ", train ticket, air ticket, film ticket, lottery ticket; The various account numbers of the fund under " financial product ", insurance, financing.
Further, it is interconnected that described portable terminal passes through bluetooth or NFC and cash register terminal near field.
Further, described cash register terminal is provided with electron scanning and robs, and gathers the screen display information of portable terminal and is converted to the readable user identification information may of credible mobile service platform.
Further, the screen display information of described portable terminal is the virtual dynamic payment sign indicating number of numeric string, bar code or two-dimension code form, and described virtual dynamic payment sign indicating number have single validity, period validity or region availability at least one or more have concurrently.
Further, described portable cash register terminal be trade company panel computer or smart mobile phone.
Further, the cash register terminal of described trade company is more than one, and many cash register terminals insert the internet by the MIS front end processor.
Above-mentioned second purpose of the present invention, it realizes that technical scheme is: a kind of implementation method of the virtual number of the account convenient type application system based on portable terminal, comprise that the user registers and service interaction two parts, it is characterized in that: user's registration step: the user is compiled as the log-on message of binding mutually by external registration equipment or portable terminal with device id and more than one the virtual account number of identity recognition number, portable terminal, and submit the registration request by the registration interface unit to credible mobile service platform, with the record form index stores of system of real name account number in net nationality library unit; Service interaction step: divide and comprise off-line consumption pattern, online consumption mode at least, onlinely supplement fund transfer mode in the pattern of withdrawing deposit, the system of real name account with money in the actual conditions of, off-line according to application scenarios and internet, wherein: the off-line consumption pattern: the cash register terminal of trade company and user's portable terminal near field interactive user identity identification information, payment request information and the payment affirmation information relevant with virtual account number, compatible all-purpose card mechanism under the off-line state; Online consumption mode: the user holds portable terminal and initiates consumption under the presence, 1. the cash register terminal is gathered the mobile terminal user identity identification information, 2. the cash register terminal is sent to credible mobile service platform by the cash register interactive interface in the lump with user identification information may and the payment request information relevant with virtual account number, 3. credible mobile service platform is by the identification of the system of real name account number in cloud computing recognition unit processes user identification information may and net nationality library unit user, send with virtual account number relevant payment affirmation requirement by communication network to portable terminal for the identification legal users, 4. user's operating mobile terminal feeds back payment affirmation by communication network to credible mobile service platform, 5. credible mobile service platform is finished the consumption gathering alternately by mobile payment supplier interface unit, and payment affirmation information feedback that will be relevant with virtual account number is to corresponding cash register terminal.
Further, in user's registration step, described log-on message also has biological audio and video information, and described biological audio and video information comprises the image information of identifying for recognition of face, fingerprint recognition, retina and the audio-frequency information that is used for Application on Voiceprint Recognition at least.
Further, the online pattern of withdrawing deposit of supplementing with money: user's operating mobile terminal, by communication network and credible mobile service platform interaction, utilize fiscard or third party's disbursement account to deposit to other sub-account number circle and supplement with money, or directly from the enchashment of cash register terminal; Fund transfer mode in the system of real name account: user's operating mobile terminal, by communication network and credible mobile service platform interaction, realize that the fund between multiple sub-number of the account is changeed mutually.
Use the virtual number of the account convenient type of the present invention application system, it possesses outstanding advantage to compare to existing mobile payment technical scheme: along with popularizing and the development of mobile Internet of smart mobile phone, binding relationship based on portable terminal and user identity, realization provides multiple consumption mode at the mobile payment consume activity of a series of virtual accounts of each user under plurality of application scenes; And credible mobile service platform makes hardware, software and consumer behavior as the main foundation of transaction monitoring, has guaranteed transaction security; In addition, provide comprehensive payment solution under the plurality of application scenes based on mobile phone, thoroughly stopped the manufacturing cost of financial real card and the abuse of puppet card, reduced the operation cost of mobile payment, its security, low cost more are conducive to promote.
Description of drawings
Fig. 1 the present invention is based on the virtual number of the account convenient type application system of portable terminal at the topological synoptic diagram of a preferred embodiment of online consumption mode.
Embodiment
Along with the rapid emergence of generation information technology such as mobile Internet, cloud computing and Internet of Things, innovative information technology and means constantly incorporate all trades and professions.New opportunity has been brought for the informationalized development of city commercial in the wisdom city virtual " card " that incorporates advanced theory and technological innovation, credible mobile service platform will play positive facilitation to daily personal consumption activity, provide mobile payment great convenience.
The present invention is directed to the active demand of existing mobile payment, innovation has proposed a kind of virtual number of the account convenient type application system and its implementation based on portable terminal, has efficient, safe, agile and all-purpose and mobile payment solution especially easily in the hope of providing in the scope of a kind of specific region.This scheme can satisfy campus, hospital and even entire city or common people's mobile payment demand in larger scope.
From the hardware aspect of this kind based on the virtual number of the account convenient type application system of portable terminal, at virtual account number be that portable terminal with the user is carrier, portable terminal links to each other with credible mobile service platform with the cash register terminal of trade company by internet or communication network.
This system architecture serves as integrated registration interface unit, net nationality library unit, cash register interactive interface, cloud computing recognition unit, mobile payment supplier interface unit and the above functional expansion unit of being provided with in basis with credible mobile service platform, wherein the registration interface unit is used for butt joint user's device registration and log-on message, be the important prerequisite that virtual account is used, data output is connected to net nationality library unit; And the cash register interactive interface is used for storing a series of virtual account by user grouping for interactive information, the net nationality library unit that butt joint comes from the cash register terminal, and these both equal data outputs are connected to the cloud computing recognition unit; And cloud computing recognition unit and mobile payment supplier interface unit special line are interconnected, finish the work of depositing, transfer accounts of circle under the specific channel.
Portable terminal passes through external registration equipment or the access registration interface unit of portable terminal own based on identity recognition number and more than one the virtual account number of unique device id and respective user, in net nationality library unit, and the mobile payment that is provided with related described virtual number of the account in this portable terminal is used with the record form index stores of system of real name account number.This portable terminal is mainly used in self replacing traditional various card in actual application, " card " is mutual for NFC, perhaps outwards presents screen display information and is converted to the readable dynamic payment sign indicating number of credible mobile service platform.Especially, the screen display information of this portable terminal is the virtual dynamic payment sign indicating number of numeric string, bar code or two-dimension code form, and described virtual dynamic payment sign indicating number have single validity, period validity or region availability at least one or more have concurrently.
In addition, as a core feature of the present invention, these more than one virtual account numbers are the multiple sub-account number of system of real name account number, divide the NFC card that comprises the near field payment by application scenarios, stored value card or electronic cards certificate that mobile payment is used, the virtual coin that the internet specific website is mutual, paying that life all kinds of families of paying the fees number, citizen's card, gate inhibition's card, traffic violations are handled penalized odd numbers, the fiscard of the fund of financial product, financing, insurance card and online consumption or third party's disbursement account.More fully the account number system is the example cash that can comprise (1) user (supplement with money, withdraw deposit, remaining sum) with the unique user; (2) user to pay the bill (number is paid, bar code is paid, pat pay, swagger pay, sound wave is paid, is preengage and pays, guarantee pays); (3) user's will collect money (number is received, bar code is received, sound wave is received, swagger receipts); (4) life pay the fees (water, electricity, combustion gas, TV, communication expense (fixed line, mobile phone, broadband), pay forfeit money); (5) reward voucher (coupons, reward voucher, integration etc.); (6) user's card (bank's debit card, credit card, purchase card, member card, gate inhibition's card, all-purpose card, citizen's card, NFC card, SIM card etc.); (7) virtual coin (Q coin, the card of game points etc.); (8) ticket (bus ticket, train ticket, air ticket, film ticket, lottery ticket etc.); (9) financial product (fund, insurance, financing etc.); (10) user's bill (propensity to consume, characteristics, suggestion etc.).
This cash register terminal comprises portable cash register terminal and fixed cash register terminal and is equipped with mobile gathering to be used, under the cash register terminal presence with the cash register interactive interface synchronous interaction user identification information may of credible mobile service platform, payment request information and the payment affirmation information relevant with virtual account number, and under the cash register terminal off-line state with portable terminal near field interactive user identity identification information, payment request information and the payment affirmation information relevant with virtual account number.
As the further optimization of embodiment, perfect, this movable type cash register terminal can be panel computer or the smart mobile phone of trade company.And the cash register terminal of trade company is more than one, and many cash register terminals insert the internet by the MIS front end processor.
From the implementation method of this kind based on the virtual number of the account convenient type application system of portable terminal, it comprises that roughly the user registers (generation mechanism that is virtual account number) and service interaction (being the application system of virtual number of the account) two parts, refinement.
User's registration step: the user is compiled as the log-on message of binding mutually by external registration equipment or portable terminal with device id and more than one the virtual account number of identity recognition number, portable terminal, and submit the registration request by the registration interface unit to credible mobile service platform, with the record form index stores of system of real name account number in net nationality library unit.In actual applications, finish net nationality library unit storage after, one of these more than one virtual number of the account will be by the conversion processing of credible mobile service platform, is sent on the portable terminal of corresponding bound device ID and is rendered as virtual dynamic payment sign indicating number.The variation of corresponding application scenarios generally speaking, employed virtual account number kind also can correspondence change, so that this virtual dynamic payment sign indicating number has is certain ageing, the also corresponding Account Security that improves virtual move transaction.
Service interaction step: divide and comprise off-line consumption pattern, online consumption mode at least, onlinely supplement fund transfer mode in the pattern of withdrawing deposit, the system of real name account with money in the actual conditions of, off-line according to application scenarios and internet, wherein: the off-line consumption pattern: the cash register terminal of trade company and user's portable terminal near field interactive user identity identification information, payment request information and the payment affirmation information relevant with virtual account number under the off-line state, this is a kind of scheme of compatible all-purpose card, keeps seamlessly transitting and flexible Application of system; Online consumption mode: as shown in Figure 1, the user holds portable terminal and initiates consumption under the presence, 1. the cash register terminal is gathered the mobile terminal user identity identification information, 2. the cash register terminal is sent to credible mobile service platform by the cash register interactive interface in the lump with user identification information may and the payment request information relevant with virtual account number, 3. credible mobile service platform is by the identification of the system of real name account number in cloud computing recognition unit processes user identification information may and net nationality library unit user, send with virtual account number relevant payment affirmation requirement by communication network to portable terminal for the identification legal users, 4. user's operating mobile terminal feeds back payment affirmation by communication network to credible mobile service platform, 5. credible mobile service platform is finished the consumption gathering alternately by mobile payment supplier interface unit, and payment affirmation information feedback that will be relevant with virtual account number is to corresponding cash register terminal.
In addition, the above-mentioned online pattern of withdrawing deposit of supplementing with money: user's operating mobile terminal, by communication network and credible mobile service platform interaction, utilize fiscard or third party's disbursement account to deposit to other sub-account number circle and supplement with money, or directly from the enchashment of cash register terminal; And fund transfer mode in the system of real name account: user's operating mobile terminal, by communication network and credible mobile service platform interaction, realize that the fund between multiple sub-number of the account is changeed mutually.
Embodiment one: under the supermarket applications scene, the user uses " mobile phone wallet " " to pat and pay " items scanning two-dimension code defrayment, the cashier uses " mobile cashier " to check pay status at mobile device (smart mobile phone or panel computer), finishes after the affirmation and does not have the card payment.
Embodiment two: under the application scenarios of campus, the student uses smart mobile phone to dining room to eat up, because smart mobile phone is bound mutually with all-in-one campus card, and but the dining room has the fixed cash register terminal of identification intelligent mobile phone under the online operating mode, finishes " brush mobile phone " by NFC near field alternant way and has meal.This process does not have the real card of all-in-one campus card and occurs.
Embodiment three: because the systematization of multiple sub-account and portable terminal binds, the user can realize supplementing with money between various virtual accounts by operating mobile terminal, enclose deposit, fund changes mutually.Stored Value, fiscard or the third party's disbursement account that for example utilizes citizen to block finished life and paid the fees, and comprises the moon usage charges, annual fee of water, point, combustion gas, CATV (cable television), network etc. etc.The user need not to carry real card again and goes appointed bank's cabinet face to pay the fees.
Embodiment four: based on existing " wing payment " mode, utilize the wisdom of this virtual account number to use the fund interaction can realize between user's virtual account, can avoid because mobile phone suddenly the wing payment that causes of defaulting subscriber lost efficacy.Utilize effective fund of this other virtual account of user to finish the operating process of swiping the card that the wing is paid.
Such as above a plurality of embodiment, the concrete enforcement of the intelligent application system of the present invention is too numerous to enumerate.Comprehensive above specific embodiment introduction about hardware system and implementation method, the innovation essence of the intelligent application system of virtual account of the present invention is deserved shows with clear.Compare to existing mobile payment technical scheme and can recognize obvious improvement of the present invention, along with popularizing and the development of mobile Internet of smart mobile phone, binding relationship based on portable terminal and user identity, realization provides multiple consumption mode at the mobile payment consume activity of a series of virtual accounts of each user under plurality of application scenes; And credible mobile service platform makes hardware, software and consumer behavior as the main foundation of transaction monitoring, has guaranteed transaction security; In addition, provide comprehensive payment solution under the plurality of application scenes based on mobile phone, thoroughly stopped the manufacturing cost of financial real card and the abuse of puppet card, reduced the operation cost of mobile payment, its security, low cost more are conducive to promote.
Claims (8)
1. based on the virtual number of the account convenient type application system of portable terminal, be carrier with user's portable terminal, described portable terminal links to each other with credible mobile service platform with the cash register terminal of trade company by internet or communication network, it is characterized in that:
Integrated registration interface unit, net nationality library unit, cash register interactive interface, cloud computing recognition unit, mobile payment supplier interface unit and the above functional expansion unit of being provided with of described credible mobile service platform, wherein said registration interface cell data output is connected to net nationality library unit, the output of described cash register interactive interface and net nationality library unit data is connected to the cloud computing recognition unit, and cloud computing recognition unit and mobile payment supplier interface unit special line are interconnected;
Described portable terminal passes through external registration equipment or the access registration interface unit of portable terminal own based on identity recognition number and more than one the virtual account number of unique device id and respective user, in net nationality library unit, and the mobile payment that is provided with related described virtual number of the account in the described portable terminal is used with the record form index stores of system of real name account number;
Described cash register terminal comprises portable cash register terminal and fixed cash register terminal and is equipped with mobile gathering to be used, under the cash register terminal presence with the cash register interactive interface synchronous interaction user identification information may of credible mobile service platform, payment request information and the payment affirmation information relevant with virtual account number, and under the cash register terminal off-line state with portable terminal near field interactive user identity identification information, payment request information and the payment affirmation information relevant with virtual account number.
2. according to the described virtual number of the account convenient type application system based on portable terminal of claim 1, it is characterized in that: described more than one virtual account numbers are the multiple sub-account number under the system of real name account number, by application scenarios divide comprise be associated with supplementing with money under " my cash ", withdraw deposit, remaining sum; Account number under " I will pay the bill " is paid, bar code is paid, pat pay, swagger pay, sound wave is paid, is preengage and pays, guarantee is paid; Account number under " I will collect money " is received, bar code is received, swagger receipts, sound wave is received, reservation is received; Water under " life is paid the fees ", electricity, combustion gas, TV, fixed line, mobile phone, broadband, pay forfeit money; Cash certificate, reward voucher, integration under " my reward voucher "; Bank's debit card under " my card ", bank card, purchase card, member card, gate inhibition's card, all-purpose card, citizen's card, NFC card, SIM card; Q coin under " virtual coin ", the card of game points; Bus ticket among " ticket ", train ticket, air ticket, film ticket, lottery ticket; The various account numbers of the fund under " financial product ", insurance, financing.
3. according to the described virtual number of the account convenient type application system based on portable terminal of claim 1, it is characterized in that: it is interconnected that described portable terminal passes through bluetooth or NFC and cash register terminal near field.
4. according to the described virtual number of the account convenient type application system based on portable terminal of claim 1, it is characterized in that: described cash register terminal is provided with electron scanning and robs, and gathers the screen display information of portable terminal and is converted to the readable user identification information may of credible mobile service platform.
5. according to the described virtual number of the account convenient type application system based on portable terminal of claim 4, it is characterized in that: the screen display information of described portable terminal is the virtual dynamic payment sign indicating number of numeric string, bar code or two-dimension code form, and described virtual dynamic payment sign indicating number have single validity, period validity or region availability at least one or more have concurrently.
6. the implementation method of the described virtual number of the account convenient type application system based on portable terminal of claim 1 comprises that the user registers and service interaction two parts, is characterized in that:
User's registration step: the user is compiled as the log-on message of binding mutually by external registration equipment or portable terminal with device id and more than one the virtual account number of identity recognition number, portable terminal, and submit the registration request by the registration interface unit to credible mobile service platform, with the record form index stores of system of real name account number in net nationality library unit;
The service interaction step: divide and comprise off-line consumption pattern, online consumption mode at least, onlinely supplement fund transfer mode in the pattern of withdrawing deposit, the system of real name account with money in the actual conditions of, off-line according to application scenarios and internet, wherein:
Off-line consumption pattern: the cash register terminal of trade company and user's portable terminal near field interactive user identity identification information, payment request information and the payment affirmation information relevant with virtual account number, compatible all-purpose card mechanism under the off-line state;
Online consumption mode: the user holds portable terminal and initiates consumption under the presence, 1. the cash register terminal is gathered the mobile terminal user identity identification information, 2. the cash register terminal is sent to credible mobile service platform by the cash register interactive interface in the lump with user identification information may and the payment request information relevant with virtual account number, 3. credible mobile service platform is by the identification of the system of real name account number in cloud computing recognition unit processes user identification information may and net nationality library unit user, send with virtual account number relevant payment affirmation requirement by communication network to portable terminal for the identification legal users, 4. user's operating mobile terminal feeds back payment affirmation by communication network to credible mobile service platform, 5. credible mobile service platform is finished the consumption gathering alternately by mobile payment supplier interface unit, and payment affirmation information feedback that will be relevant with virtual account number is to corresponding cash register terminal.
7. according to the implementation method of the described virtual number of the account convenient type application system based on portable terminal of claim 6, it is characterized in that: in user's registration step, described log-on message also has biological audio and video information, and described biological audio and video information comprises the image information of identifying for recognition of face, fingerprint recognition, retina and the audio-frequency information that is used for Application on Voiceprint Recognition at least.
8. according to the implementation method of the described virtual number of the account convenient type application system based on portable terminal of claim 6, it is characterized in that: the online pattern of withdrawing deposit of supplementing with money: user's operating mobile terminal, by communication network and credible mobile service platform interaction, utilize fiscard or third party's disbursement account to deposit to other sub-account number circle and supplement with money, or directly from the enchashment of cash register terminal;
Fund transfer mode in the system of real name account: user's operating mobile terminal, by communication network and credible mobile service platform interaction, realize that the fund between multiple sub-number of the account is changeed mutually.
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Cited By (43)
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