公开(公告)号：US11715090B2

公开(公告)日：2023-08-01

申请号：US17861106

申请日：2022-07-08

Applicant: ADVANCED NEW TECHNOLOGIES CO., LTD.

Inventor： Taiming Feng ,  Yingde Liu

IPC: G06Q20/32 ,  G06K7/14 ,  G06K19/06 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  H04L67/12 ,  H04L67/52 ,  H04L67/53 ,  G06Q20/34

CPC classification number: G06Q20/3274 ,  G06K7/1417 ,  G06K19/06037 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/108 ,  G06Q20/4014 ,  G06Q40/02 ,  H04L67/12 ,  H04L67/52 ,  H04L67/53 ,  G06Q20/342

Abstract: A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.

公开(公告)号：US20230196328A1

公开(公告)日：2023-06-22

申请号：US18168831

申请日：2013-02-14

Applicant: Advanced New Technologies Co., Ltd.

Inventor： Chao Xiu ,  Lei WANG ,  Yingde Liu

IPC: G06Q20/24 ,  G06Q20/08 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/36 ,  G06Q20/20 ,  G06Q20/38

CPC classification number: G06Q20/24 ,  G06Q20/08 ,  G06Q20/3276 ,  G06Q20/403 ,  G06Q20/3278 ,  G06Q20/3674 ,  G06Q20/409 ,  G06Q20/4093 ,  G06Q20/401 ,  G06Q20/20 ,  G06Q20/3274 ,  G06Q20/3829

Abstract: Implementations of the present application provide data interaction methods and devices. In one example implementation, authorization data for a current interaction are received from a remote server, wherein the authorization data comprises signature information, time information of current authorization, a random number of the current authorization, and a threshold. The authorization data are verified by performing at least one of: comparing the time information comprised in the authorization data with a current time; determining whether the random number comprises in the authorization data exists in a previous data interaction; or determining whether the data of the current interaction exceeds the threshold comprised in the authorization data. Whether to cancel the current interaction is determined based on the verification of the authorization data.

公开(公告)号：US11587056B2

公开(公告)日：2023-02-21

申请号：US16026776

申请日：2018-07-03

Applicant: Advanced New Technologies Co., Ltd.

Inventor： Chao Xiu ,  Lei Wang ,  Yingde Liu

IPC: G06Q20/24 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/08 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/36

Abstract: Implementations of the present application provide data interaction and offline credit payment methods and devices. In one implementation, a credit payment code generated by a server is obtained by scanning and parsing a two-dimensional code presented on a mobile computing device for making a payment. The credit payment code is then decrypted based on asymmetric key decryption to obtain a credit payment token. The credit payment token is parsed to obtain security content included in the credit payment token. The payment associated with the credit payment code is then determined to satisfy the security content and the payment is verified with the server that generates the credit payment code at a predetermined time.

公开(公告)号：US11468426B2

公开(公告)日：2022-10-11

申请号：US16903210

申请日：2020-06-16

Applicant: ADVANCED NEW TECHNOLOGIES CO., LTD.

Inventor： Taiming Feng ,  Yingde Liu

IPC: G06Q20/32 ,  G06K7/14 ,  G06K19/06 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  H04L67/12 ,  H04L67/52 ,  H04L67/53 ,  G06Q20/34

Abstract: A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.