公开(公告)号：US20230214815A1

公开(公告)日：2023-07-06

申请号：US17928542

申请日：2021-09-07

Applicant: CHINA UNIONPAY CO., LTD.

Inventor： Zheng ZHANG ,  Wenbin QI ,  Hua CAI ,  Sishuang WAN

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/38

CPC classification number: G06Q20/3255 ,  G06Q20/401 ,  G06Q20/3829

Abstract: A transaction method, a terminal device, a payment system, a merchant system, and a storage medium. The transaction method comprises: generating a payment request (101); sending the payment request in a rich media message format to a payment system (102); and receiving a payment processing result in a rich media message format from the payment system, wherein the payment processing result corresponds to the payment request (104). A user can make payment by sending and receiving rich media messages without needing to install multiple payment applications, thereby enabling convenient operation.

公开(公告)号：US20230186257A1

公开(公告)日：2023-06-15

申请号：US17924341

申请日：2021-09-18

Applicant: CHINA UNIONPAY CO., LTD.

Inventor： Wenbin QI ,  Zhijie XU ,  Weiqi YU ,  Sishuang WAN ,  Qi ZHANG ,  Teng HOU

IPC: G06Q20/08 ,  G06Q20/02 ,  G06Q20/30 ,  G06Q20/40

CPC classification number: G06Q20/0855 ,  G06Q20/027 ,  G06Q20/308 ,  G06Q20/4014

Abstract: Embodiments of the present application provide a payment method, a gateway device, a server and a storage medium. The method is applied to the gateway device, and the method includes: obtaining target identification information and payment amount of a target IoT device connected to the gateway device, wherein the target identification information includes a first device identification of the target IoT device and/or a feature identification of a physical layer between the target IoT device and the gateway device; sending a first payment request to the server, wherein the first payment request includes the target identification information, a second device identification of the gateway device and the payment amount, and the first payment request is configured to instruct the server to search a target payment account associated with the target identification information and the second device identification, and to deduct from the target payment account according to the payment amount.