CN101841569A - Mobile phone payment method based on WEB technology for realizing platform crossing - Google Patents
Mobile phone payment method based on WEB technology for realizing platform crossing Download PDFInfo
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Abstract
The invention discloses a mobile phone payment method based on a WEB technology for realizing platform crossing. The mobile phone payment method comprises the following steps: shielding the differences of specific brands and mobile phone models by a cross-platform middle piece based on the WEB technology, providing a unified application programming interface, uses the cross-platform middle piece as an operating platform for mobile phone payment, packaging all the information with various mobile phone payment modes on a mobile phone payment packaging layer on the cross-platform middle piece, and then developing mobile phone payment services, and finally realizing various financial transactions according to the specific payment modes by a specific mode module on the application programming interface. Under the assistance of the cross-platform middle piece based on the WEB technology, the mobile phone payment method can operate on the mobile phones with various brands and models, simply developing mobile phone payment services without worrying about the problems of specific payment mode processes and the like, simultaneously, is simple in the WEB technology, has better transportability, can greatly improve the production efficiency, and also can greatly reduce the production and maintenance cost.
Description
Technical field
The present invention relates to the exploitation of WEB technical field, especially refer to a kind of based on the cross-platform hand set paying method of WEB technology realization.
Background technology
Mobile-phone payment is also referred to as mobile payment (Mobile Payment), in brief, allows the mobile subscriber to use its portable terminal (normally mobile phone) that a kind of method of service that account is paid is carried out in the commodity or the service of being consumed exactly.
Mobile-phone payment is used the mobile-phone payment technology of utilizing that is meant, the business that the payment of finishing is relevant.
The mode that realizes mobile-phone payment comprises following several:
1) realize based on the WAP mode, adopt the mode of WAP page, the holder finishes mobile-phone payment by mobile phone browser visit mobile-phone payment gateway.The mobile-phone payment gateway can be Mobile banking or other third party's payment platform of bank.In order to guarantee fail safe, adopt the HTTPS agreement to carry out exchanges data usually.Realization based on the mobile-phone payment of WAP mode mainly realizes by the page and the program of exploitation mobile-phone payment gateway.
2) realize based on the Java client that adopt the mode of Java client, the holder carries out exchanges data by mobile phone Java client and mobile-phone payment gateway, finishes mobile-phone payment., and on the mobile phone of each brand and model, finely tune and realize by writing java applet based on the realization of the mobile-phone payment of Java client with adaptive.
3) realize that based on the relevant client of mobile phone operating system adopt the mode of the relevant client of mobile phone operating system, the holder carries out exchanges data by mobile phone operating system relevant client and mobile-phone payment gateway, finishes mobile-phone payment.The client that operating system is relevant is meant: the mobile phone of Windows Mobile system uses the Windows program; The mobile phone of Symbian system uses the Symbian program; The mobile phone of linux system uses the Linux program; The Linux program of the mobile phone use Android SDK exploitation of Android system or java applet or the like., realize by using the development kit and the development language of mobile phone operating system appointment based on the realization of the mobile-phone payment of the relevant client of machine operation system at the mobile phone operating system of appointment.
More than various implementations, expose following several problem:
1) realizes based on the WAP mode, be subject to mobile phone browser.If do not use the HTTPS agreement to carry out transfer of data, holder's fund security can not get guaranteeing; If use the HTTPS agreement, then exist mobile phone browser whether to support HTTPS, mobile phone browser to follow problems such as the kind of certificate, WAP page display speed, can't between versatility, user experience and fail safe, reach balance.
2) realize based on the Java client that though Java " once compiling operation everywhere ", in fact, the Java Virtual Machine implementation that each cell phone manufacturer uses is not quite similar on the mobile phone of oneself.Adopt Java language exploitation client, must on the mobile phone of each brand and model, carry out the suitability checking and adjust.Influence production efficiency greatly.
3) based on the relevant client of mobile phone operating system.Can only use the programming language exploitation of appointment on the SDK of the mobile phone operating system of appointment, the program of exploitation can only be used in the enterprising enforcement of the mobile phone operating system of appointment.Must develop the realization mobile-phone payment again on each different mobile phone operating system, production efficiency is low.
Various mobile-phone payment modes, comprise that Mobile banking's payment gateway, cell-phone number binding bank card, Unionpay cellphones payment etc. all have specific requirement at aspects such as transaction request and response processing, transaction flows, the mobile-phone payment of above-mentioned mobile-phone payment implementation is used must both be concerned about operation flow, be concerned about concrete mobile-phone payment mode flow process again, the developer is had relatively high expectations, influence production efficiency greatly.
Summary of the invention
The invention provides and a kind ofly realize cross-platform hand set paying method, be used to solve the unitized overall development problem on the mobile phone that mobile-phone payment is applied in each brand and model, for the mobile-phone payment developer provides a kind of more convenient, development platform efficiently based on the WEB technology.
Technical scheme of the present invention is:
A kind ofly realize cross-platform hand set paying method, it is characterized in that based on the WEB technology: at first, by cross-platform middleware the difference of concrete brand and model is carried out corresponding different operation based on the WEB technology after, obtain unified API; Use is based on the cross-platform middleware of the WEB technology operation platform as mobile-phone payment, again on the cross-platform middleware based on the WEB technology, the information of various mobile-phone payment modes all is encapsulated in the mobile-phone payment encapsulated layer, develops the mobile-phone payment business then; At last on API, realize various financial transactions according to concrete mobile-phone payment mode by concrete mode module based on the cross-platform middleware of WEB technology.
Cross-platform middleware based on the WEB technology has API such as unified UI, operation of equipment, event handling, file operation, application management, network communication, parameter management, API take the form of JavaScript object and API or XML label.
Cross-platform middleware based on the WEB technology passes through to use HTML, CSS, the JavaScript language compilation WEB page, realizes the mobile-phone payment business.
The mobile-phone payment encapsulated layer is that the concrete transaction flow of various mobile-phone payment modes, transaction message generation and processes such as processing and transaction message transmission are encapsulated as JavaScript object and API or XML label based on the WEB technology.
The JavaScript object of encapsulation and API or XML label comprise as follows:
1) inquiry into balance
2) consumption
3) pre-authorization
4) circle is deposited
5) bill inquiry
6) bill payment
7) obtain bank card information
Deng interface.
Use finishes based on API such as the UI of the cross-platform middleware of WEB technology, operation of equipment, event handling, file operation, application management, network communication, parameter managements that guiding service, function represent, exchanges data, the API of using the mobile-phone payment encapsulated layer to provide, realize the mobile-phone payment related procedure, exploitation mobile-phone payment business.
Beneficial effect of the present invention is:
Under assistance, can on the mobile phone of various brands and model, move based on the cross-platform middleware of WEB technology; Because various mobile-phone payment modes are encapsulated, the mobile-phone payment developer can be absorbed in the mobile-phone payment business, and needn't be concerned about the flow process of concrete mobile-phone payment mode; The WEB technology is easy to learn, and left-hand seat has portability preferably easily, can enhance productivity greatly; The WEB page can be deployed on the mobile phone, does not need Network Transmission, when guaranteeing flexibility, has promoted user experience; WEB technological development personnel amount is huge, and is lower to developer's requirement, can reduce greatly and produce and maintenance cost.
Description of drawings
Fig. 1 is a system architecture diagram of the present invention
Embodiment
Embodiment 1
A kind ofly realize cross-platform hand set paying method based on the WEB technology, at first, by cross-platform middleware the difference of concrete brand and model is carried out corresponding different operation based on the WEB technology after, obtain unified API; Use is based on the cross-platform middleware of the WEB technology operation platform as mobile-phone payment, again on the cross-platform middleware based on the WEB technology, the information of various mobile-phone payment modes all is encapsulated in the mobile-phone payment encapsulated layer, develops the mobile-phone payment business then; At last on API, realize various financial transactions according to concrete mobile-phone payment mode by concrete mode module based on the cross-platform middleware of WEB technology.
Cross-platform middleware based on the WEB technology has API such as unified UI, operation of equipment, event handling, file operation, application management, network communication, parameter management, API take the form of JavaScript object and API or XML label.
Cross-platform middleware based on the WEB technology passes through to use HTML, CSS, the JavaScript language compilation WEB page, realizes the mobile-phone payment business.
The mobile-phone payment encapsulated layer is that the concrete transaction flow of various mobile-phone payment modes, transaction message generation and processes such as processing and transaction message transmission are encapsulated as JavaScript object and API or XML label based on the WEB technology.
The JavaScript object of encapsulation and API or XML label comprise as follows:
1) inquiry into balance
2) consumption
3) pre-authorization
4) circle is deposited
5) bill inquiry
6) bill payment
7) obtain bank card information
Deng interface.
Use finishes based on API such as the UI of the cross-platform middleware of WEB technology, operation of equipment, event handling, file operation, application management, network communication, parameter managements that guiding service, function represent, exchanges data, the API of using the mobile-phone payment encapsulated layer to provide, realize the mobile-phone payment related procedure, exploitation mobile-phone payment business.
Embodiment 2
The invention provides a kind of based on the cross-platform hand set paying method of WEB technology realization.
In the present embodiment, use is based on the cross-platform middleware of the WEB technology operation platform as mobile-phone payment, in cross-platform middleware, various hand set paying methods are encapsulated, offer the mobile-phone payment developer in the mode of JavaScript object and API or XML label and use based on the WEB technology.The mobile-phone payment developer uses the WEB technology under the situation of being indifferent to concrete mobile-phone payment mode, and it is professional own to be absorbed in mobile-phone payment, and exploitation has the mobile-phone payment of cross-platform characteristics uses, and has reduced production and maintenance cost, has promoted formation efficiency.
As shown in Figure 1, the embodiment of the invention comprises: use based on the cross-platform middleware of WEB, concrete mobile-phone payment mode, mobile-phone payment encapsulated layer and mobile-phone payment.
1) shielded the difference of concrete brand and model mobile phone based on the cross-platform middleware of WEB, API such as the unified UI based on the WEB technology, operation of equipment, event handling are provided.Based on the method that the cross-platform middleware of WEB provides the WEB page stores and the WEB page to resolve, comprise that the WEB page is resolved, functions such as WEB page rendering and script execution.
2) concrete mobile-phone payment mode module is according to the requirement of concrete mobile-phone payment mode to aspects such as operating process, operating equipment, message format, communication modes and types of transaction, on the abstract API that provides, the various financial transactions of concrete mobile-phone payment mode are realized based on the cross-platform middleware of WEB.
3) the mobile-phone payment encapsulated layer is according to the requirement based on the API of the cross-platform middleware of WEB, and the various financial transactions of mobile-phone payment are encapsulated as JavaScript object and API or the XML label that meets the WEB technology.
The JavaScript object of encapsulation and API or XML label comprise as follows:
A) inquiry into balance
B) consumption
C) pre-authorization
D) circle is deposited
E) bill inquiry
F) bill payment
G) obtain bank card information
Deng interface.
These interfaces have encapsulated flow processs such as operation of equipment, message tissue, communication, packet parsing, result treatment, offer the mobile-phone payment application developer in the mode of simple interface.
4) mobile-phone payment is used by the mobile-phone payment application developer and is used the WEB technology to develop, and mobile-phone payment DLL (dynamic link library) such as the UI that uses the cross-platform middleware based on the WEB technology to provide, operation of equipment, event handling is provided is finished the simple interface of professional tissue and flow process, use mobile-phone payment encapsulated layer and finish concrete mobile-phone payment flow process.
Claims (6)
1. realize cross-platform hand set paying method based on the WEB technology for one kind, it is characterized in that: at first, by cross-platform middleware the difference of concrete brand and model is carried out corresponding different operation based on the WEB technology after, obtain unified API; Use is based on the cross-platform middleware of the WEB technology operation platform as mobile-phone payment, again on the cross-platform middleware based on the WEB technology, the information of various mobile-phone payment modes all is encapsulated in the mobile-phone payment encapsulated layer, develops the mobile-phone payment business then; At last on API, realize various financial transactions according to concrete mobile-phone payment mode by concrete mode module based on the cross-platform middleware of WEB technology.
2. according to claim 1 a kind of based on the cross-platform hand set paying method of WEB technology realization, it is characterized in that: the cross-platform middleware based on the WEB technology has unified API, API take the form of JavaScript object and API or XML label.
3. according to claim 1 a kind of based on the cross-platform hand set paying method of WEB technology realization, it is characterized in that: the cross-platform middleware based on the WEB technology has API such as unified UI, operation of equipment, event handling, file operation, application management, network communication, parameter management, API take the form of JavaScript object and API or XML label.
4. according to claim 1 a kind of based on the cross-platform hand set paying method of WEB technology realization, it is characterized in that: the mobile-phone payment encapsulated layer is that JavaScript object and API or the XML label that is encapsulated as based on the WEB technology transmitted in the concrete transaction flow of various mobile-phone payment modes, transaction message generation and processing and transaction message at least.
5. according to claim 4ly a kind ofly realize cross-platform hand set paying method based on the WEB technology, it is characterized in that: the interface that the JavaScript object of encapsulation and API or XML label comprise at least has: inquiry into balance, consumption, pre-authorization, circle are deposited, bill inquiry, bill payment, obtain bank card information.
6. according to claim 1 a kind of based on the cross-platform hand set paying method of WEB technology realization, it is characterized in that: use and to finish based on the API of the cross-platform middleware of WEB technology that guiding service, function represent, exchanges data, the API of using the mobile-phone payment encapsulated layer to provide, realize the mobile-phone payment related procedure, exploitation mobile-phone payment business.
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| CN102231106A (en) * | 2011-05-27 | 2011-11-02 | 王志勇 | Method for generating application code of mobile and general development platform |
| CN102455901A (en) * | 2010-10-29 | 2012-05-16 | 北京创艺和弦科贸有限公司 | Interlayer device used for J2ME(Java 2 Micro Edition) application program development, and application method thereof |
| CN102622211A (en) * | 2011-01-27 | 2012-08-01 | 腾讯科技（深圳）有限公司 | Method for application development and device |
| CN102662766A (en) * | 2012-03-23 | 2012-09-12 | 北京邮电大学 | Microblog and social networking information synchronizing system and synchronizing method based on Web Element mechanism |
| CN103150659A (en) * | 2013-04-07 | 2013-06-12 | 魏奇 | Method and device for realizing electronic transaction of commodities by existing network information exhibiting body |
| CN104050564A (en) * | 2014-06-13 | 2014-09-17 | 中国民航信息网络股份有限公司 | High-concurrency universal payment method |
| CN104966190A (en) * | 2015-06-30 | 2015-10-07 | 北京奇虎科技有限公司 | Network payment method and apparatus |
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| CN105573129A (en) * | 2015-11-10 | 2016-05-11 | 华南理工大学 | Cordova-based cross-platform smart home mobile terminal |
| WO2016078024A1 (en) * | 2014-11-19 | 2016-05-26 | 北京神州泰岳软件股份有限公司 | Information providing method, data transmission method and apparatuses |
| CN105635113A (en) * | 2015-12-22 | 2016-06-01 | 深圳前海微众银行股份有限公司 | SDK-based remote service processing method and system |
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| CN102622211A (en) * | 2011-01-27 | 2012-08-01 | 腾讯科技（深圳）有限公司 | Method for application development and device |
| CN102622211B (en) * | 2011-01-27 | 2016-05-25 | 腾讯科技（深圳）有限公司 | A kind of method and apparatus of application development |
| CN102231106A (en) * | 2011-05-27 | 2011-11-02 | 王志勇 | Method for generating application code of mobile and general development platform |
| CN102662766A (en) * | 2012-03-23 | 2012-09-12 | 北京邮电大学 | Microblog and social networking information synchronizing system and synchronizing method based on Web Element mechanism |
| CN103150659A (en) * | 2013-04-07 | 2013-06-12 | 魏奇 | Method and device for realizing electronic transaction of commodities by existing network information exhibiting body |
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| CN105573129B (en) * | 2015-11-10 | 2019-04-09 | 华南理工大学 | Cross-platform smart home mobile terminal based on Cordova |
| CN105573129A (en) * | 2015-11-10 | 2016-05-11 | 华南理工大学 | Cordova-based cross-platform smart home mobile terminal |
| CN105447153A (en) * | 2015-11-28 | 2016-03-30 | 讯美电子科技有限公司 | Local hardware device and Web application real-time communication system |
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| CN106095537A (en) * | 2016-06-30 | 2016-11-09 | 福建联迪商用设备有限公司 | Android pays management method and the system of plug-in unit |
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| CN111026388B (en) * | 2019-10-15 | 2023-08-11 | 福建联迪商用设备有限公司 | Method for adapting to order receiving application and payment middleware |
| CN113515342A (en) * | 2021-04-09 | 2021-10-19 | 武汉天喻信息产业股份有限公司 | Method and middleware for WEB application program to access NFC smart card |
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Application publication date: 20100922 |