Cross-border contactless payment method, apparatus, and system

HK40136175AActive Publication Date: 2026-08-14NETSUNION CLEARING CORP
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Patent Information

Application Number
HK42026124066
Authority / Receiving Office
HK · HK
Patent Type
Applications
Current Assignee / Owner
Filing Date
2026-05-28
Publication Date
2026-08-14
Estimated Expiration
2045-11-06

AI Technical Summary

Technical Problem

Existing cross-border contactless payment solutions cannot effectively integrate multiple sources of funds, resulting in a single payment channel, poor user experience, and security and compatibility issues that make them difficult to widely apply overseas.

Method used

By generating payment tokens that are compatible with target overseas contactless payment scenarios for users' unique identifiers, integrating bank cards, wallet balances, and third-party payment channels, virtual card technology is used for overseas contactless payments, and de-tokenization ensures security and compatibility.

Benefits of technology

It integrates multiple funding sources, improves payment convenience and success rate, solves the compatibility issues between domestic e-wallets and overseas card organization networks, simplifies the card binding process, and enhances security and integration with overseas payment habits.

✦ Generated by Eureka AI based on patent content.

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Abstract

The invention provides a cross-border non-contact payment method, device and system. The method comprises the following steps: receiving a cross-border payment binding request which is initiated by a user through an electronic wallet application and contains a target overseas non-contact payment scene identifier; generating a payment mark matched with the target overseas non-contact payment scene for the unique identity of the user, and binding the payment mark with an account associated with the unique identity; returning the payment mark and the virtual card generation parameter to the electronic wallet application; receiving an overseas non-contact payment transaction request initiated by the user through the virtual card, wherein the transaction request comprises a payment mark; performing de-marking processing on the payment mark, and analyzing to obtain a unique identity label of the user; the payment instruction containing the unique identity label is sent to a corresponding electronic wallet system, the electronic wallet system determines one or more accounts associated with the unique identity label to deduct money according to a preset money deduction rule or real-time selection of a user, and payment is completed.
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