MOBILE TERMINAL-BASED PAYMENT METHOD

WIPO Patent Application WO/2017/219807

A1

Disclosed is a mobile terminal-based payment method. The method comprises: a registration process, comprising: a user using a mobile terminal to register with a background system, and the background system issuing a unique token to the mobile terminal; the mobile terminal interacting with the background system, and the background system binding a plurality of payment cards corresponding to the unique token for the user; and a setting process, comprising: a user selecting at least one payment card as a default card for different transaction types and/or merchant categories; and a transaction process, comprising: the mobile terminal interacting with a payment acceptance terminal, and the payment acceptance terminal submitting the transaction data to the background system; the background system determining a corresponding default card on the basis of the unique token as well as the transaction type code and/or the merchant category code; and the background system sending a payment request to a card issuer for each determined default card on the basis of the transaction data. The method of the present invention allows users to set a plurality of default cards for combinations of different transaction types, different merchant categories and even combinations of different transaction types and merchant categories, thereby providing a good user experience.

CAI HUA (CN)

PCT/CN2017/084938

December 28, 2017

May 18, 2017

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CHINA UNIONPAY CO LTD (CN)

G06Q20/32

CN106056382A	2016-10-26
CN102034184A	2011-04-27
CN104166915A	2014-11-26
US20110137791A1	2011-06-09

CHINA PATENT AGENT (HK) LTD. (CN)

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