Zhang Yin is a registered service trademark of Shanghai Online Games Network Technology Co., Ltd., which provides consumers with convenient, safe and affordable mobile wallets, builds an e-commerce platform for businesses, and uses the efficiency of the Internet to create productivity for offline businesses.

Palm Bank can help users realize offline payment function on their mobile phones, and users can put multiple bank cards in their mobile phones. As long as both merchants and consumers have mobile phones with Internet access, payment can be realized.

Zhang Yin's technical process of mobile e-commerce and mobile payment has been initially approved by the State Patent Office.