CN110020852A

CN110020852A - A kind of method of mobile payment, apparatus and system

Info

Publication number: CN110020852A
Application number: CN201910035205.6A
Authority: CN
Inventors: 马灿; 朱英梓; 朱林; 陆健; 胡容海; 鲁教; 魏凯; 陈建文
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-01-15
Filing date: 2019-01-15
Publication date: 2019-07-16

Abstract

This specification one or more embodiment provides a kind of method of mobile payment, apparatus and system, this method comprises: receiving the authority checking request that merchant terminal is initiated for the service request of target user；Determine target authorized agreement corresponding with authority checking request；Control merchant terminal response service request simultaneously provides corresponding business service；The spending amount and target authorized agreement of the payment according to needed for target user carry out delivery operation of withholing to the authorization account of target user.In conjunction with business scenario type and user credit information, personalized authorized agreement is formulated for consumer, process is provided to business service based on the personalization authorized agreement and payment process of withholing control effectively, achieve the effect that realize that businessman withholds risk and consumer's usage experience balances each other, under the premise of guaranteeing consumer's usage experience, businessman is reduced as far as possible to withhold risk, guarantee businessman withhold risk under the premise of, promotion consumer's usage experience as far as possible.

Description

A kind of method of mobile payment, apparatus and system

Technical field

This specification one or more be related to Internet technical field more particularly to a kind of method of mobile payment, device and System.

Background technique

Currently, with the fast development of Internet technology, mobile payment is widely used in daily life, together When, in order to improve the usage experience of consumer, post-pay service application scene is more and more, i.e., consumer is taking purchase goods Object enjoys the service application scene paid the bill again after a certain service, for example, Intelligent unattended counter, is receiving client It after the enabling request at end, first controls unmanned counter and executes opening door operation, determine consumption further according to the purchase commodity that client is taken out The amount of money, then the spending amount is deducted from the corresponding account of client, for another example, business of calling a taxi, in the chauffeur for receiving client After request, target vehicle first is distributed for the user that rides and is disappeared after user is sent to destination further according to actual travel route determination Take the amount of money, then deducts the spending amount from the corresponding account of client.

Wherein, it can normally withhold to guarantee that businessman is subsequent, user is needed to contract in advance a electronic authorization agreement, it should It can arrange the relevant informations such as main body, the authorization amount of money of withholing in authorized agreement, meanwhile, pre-authorization withholds main body from user account Freeze certain amount of money, often freeze that the amount of money is bigger, to withhold the guarantee of payment as subsequent completion, specifically, consumer exists It takes purchase cargo or enjoys when being based on the real consumption amount of money after a certain service and being withholdd, freeze the amount of money from the pre-authorization The middle operation for completing to release payment of freezing to switch to withhold, situation smaller for spending amount in this way are freezed a large number of in advance The amount of money is authorized, there is a problem of user experience difference.

It follows that can not combine withhold risk and user using mobile payment mode in the prior art uses body It tests, on the one hand, in the case where guaranteeing to withhold risk, reduce user experience to a certain extent, on the other hand, protecting In the case where demonstrate,proving user experience, risk of withholing is improved to a certain extent.

Summary of the invention

The purpose of this specification one or more embodiment is to provide a kind of method of mobile payment, apparatus and system, in conjunction with Business scenario type and user credit information formulate personalized authorized agreement for consumer, are based on the personalization authorized agreement pair Business service provides process and payment process of withholing control effectively, and reaches and realizes that businessman withholds risk and consumer uses body The effect to balance each other is tested, under the premise of guaranteeing consumer's usage experience, reduction businessman as far as possible withholds risk, is guaranteeing businessman Under the premise of risk of withholing, consumer's usage experience is promoted as far as possible.

In order to solve the above technical problems, this specification one or more embodiment is achieved in that

This specification one or more embodiment provides a kind of method of mobile payment, comprising:

Receive the authority checking request of merchant terminal, wherein the authority checking request is the merchant terminal for mesh Mark the service request transmission of user；

Determine target authorized agreement corresponding with authority checking request, wherein the target authorized agreement is to be based on What the targeted business scenario type of the service request and the user credit information of the target user generated；

Based on the target authorized agreement, controls the merchant terminal and respond the service request and corresponding business is provided Service；

According to the spending amount of payment needed for the business service and the target authorized agreement, to the target user's Authorization account carries out delivery operation of withholing.

This specification one or more embodiment provides a kind of mobile payment device, comprising:

Request receiving module, the authority checking for receiving merchant terminal are requested, wherein the authority checking request is institute State what merchant terminal was sent for the service request of target user；

Protocol determination module, for determining target authorized agreement corresponding with authority checking request, wherein the mesh Marking authorized agreement is the user credit information based on the service request targeted business scenario type and the target user It generates；

Control module controls the merchant terminal and responds the service request simultaneously for being based on the target authorized agreement Corresponding business service is provided；

It withholds module, spending amount and the target authorized agreement for the payment according to needed for the business service are right The authorization account of the target user carries out delivery operation of withholing.

This specification one or more embodiment provides a kind of mobile-payment system, comprising: merchant terminal and backstage take Business device, wherein the background server includes: above-mentioned mobile payment device；

The merchant terminal, for generating the authority checking request for the service request for being directed to target user, and to after described Platform server sends the authority checking request；And payment needed for the background server sending the target user disappears Take the amount of money；

The background server, for receiving the authority checking request；And determination is corresponding with authority checking request Target authorized agreement, wherein the target authorized agreement be based on the targeted business scenario type of the service request and What the user credit information of the target user generated；And it is based on the target authorized agreement, it controls the merchant terminal and rings It answers the service request and corresponding business service is provided；And spending amount and the institute of the payment according to needed for the business service Target authorized agreement is stated, delivery operation of withholing is carried out to the authorization account of the target user.

This specification one or more embodiment provides a kind of mobile payment device, comprising: processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed Manage device:

This specification one or more embodiment provides a kind of storage medium, for storing computer executable instructions, The executable instruction realizes following below scheme when executed:

Method of mobile payment, apparatus and system in this specification one or more embodiment receive merchant terminal and are directed to The authority checking request that the service request of target user is initiated；Determine target authorized agreement corresponding with authority checking request； Control merchant terminal response service request simultaneously provides corresponding business service；The spending amount of the payment according to needed for target user and Target authorized agreement carries out delivery operation of withholing to the authorization account of target user.In conjunction with business scenario type and user credit Information formulates personalized authorized agreement for consumer, provides process to business service based on the personalization authorized agreement and withhold Payment process control effectively, and achievees the effect that realize that businessman withholds risk and consumer's usage experience balances each other, guarantee Under the premise of consumer's usage experience, reduction businessman as far as possible withholds risk, guarantee businessman withhold risk under the premise of, to the greatest extent may be used Consumer's usage experience can be promoted.

Detailed description of the invention

In order to illustrate more clearly of this specification one or more embodiment or technical solution in the prior art, below will A brief introduction will be made to the drawings that need to be used in the embodiment or the description of the prior art, it should be apparent that, it is described below Attached drawing is only some embodiments recorded in this specification one or more, for those of ordinary skill in the art, Not under the premise of making the creative labor property, it is also possible to obtain other drawings based on these drawings.

Fig. 1 is the application scenarios schematic diagram for the mobile payment that this specification one or more embodiment provides；

Fig. 2 is the first flow diagram for the method for mobile payment that this specification one or more embodiment provides；

Fig. 3 is second of flow diagram of the method for mobile payment that this specification one or more embodiment provides；

Fig. 4 is the third flow diagram for the method for mobile payment that this specification one or more embodiment provides；

Fig. 5 is the 4th kind of flow diagram of the method for mobile payment that this specification one or more embodiment provides；

Fig. 6 is the interactive process schematic diagram for the method for mobile payment that this specification one or more embodiment provides；

Fig. 7 is the module composition schematic diagram for the mobile payment device that this specification one or more embodiment provides；

Fig. 8 is the structure composition schematic diagram for the mobile-payment system that this specification one or more embodiment provides；

Fig. 9 is the structural schematic diagram for the mobile payment device that this specification one or more embodiment provides.

Specific embodiment

In order to make those skilled in the art more fully understand the technical solution in this specification one or more, below will In conjunction with the attached drawing in this specification one or more embodiment, to the technical solution in this specification one or more embodiment into Row clearly and completely describes, it is clear that and described embodiment is only this specification one or more a part of the embodiment, and The embodiment being not all of.Based on the embodiment in this specification one or more, those of ordinary skill in the art are not making The model of this specification one or more protection all should belong in every other embodiment obtained under the premise of creative work out It encloses.

This specification one or more embodiment provides a kind of method of mobile payment, apparatus and system, in conjunction with business field Scape type and user credit information, formulate personalized authorized agreement for consumer, are taken based on the personalization authorized agreement to business Business offer process and payment process of withholing control effectively, and reach and realize that businessman's risk of withholing is equal with consumer's usage experience The effect of weighing apparatus, under the premise of guaranteeing consumer's usage experience, reduction businessman as far as possible withholds risk, is guaranteeing that businessman withholds wind Under the premise of danger, consumer's usage experience is promoted as far as possible.

Fig. 1 is the application scenarios schematic diagram for the mobile-payment system that this specification one or more embodiment provides, such as Fig. 1 Shown, which includes: background server, client and merchant terminal, wherein the client can be used in target user The mobile terminals such as smart phone, tablet computer, which can be provides for the request of withholing based on merchant terminal Withhold the third-party server of service, for example, Alipay server, which can be provided for target user after pay the bill The terminal device of business service or the business server being connect with the terminal device, for example, Intelligent unattended counter, Intelligent unattended quotient Super, KTV jukebox etc. terminal device, wherein the detailed process of mobile payment are as follows:

(1) merchant terminal generates the authority checking request for the service request of target user, and sends out to background server Give the authority checking to request, wherein the service request can be the operation of merchant terminal client-based scanning figure shape code or What the authentication input information of target user generated, which requests to carry unique identification and the industry of target user Business scene identity；

(2) background server determines that target corresponding with authority checking request is awarded after receiving authority checking request Weigh agreement, wherein the target authorized agreement is the user based on service request targeted business scenario type and target user What credit information generated；

(3) for background server after determining target authorized agreement, control merchant terminal responds the service request, and provides Corresponding business service is determining that existing authorized agreement is effective or is determining user specifically, by taking Intelligent unattended counter as an example After the completion of approval authority of contract signature agreement, door open command is sent to merchant terminal, so that target user takes required purchase away in Intelligent cargo cabinet The commodity bought can guarantee that subsequent can normally complete of businessman is withholdd in this way；

(4) merchant terminal is determined as the spending amount paid needed for the business service of target user's offer, and generates carrying There is the payment request of withholing of the spending amount, which is sent to background server；

(5) background server judges that the payment of withholing is asked based on target authorized agreement after receiving and withholing payment request The no conjunction rule of Seeking Truth, if so, the authorization account to target user carries out delivery operation of withholing, if it is not, then sending to merchant terminal It withholds failure prompt information, can guarantee the property safety of target user in this way；

Wherein, in conjunction with business scenario type and user credit information, personalized authorized agreement is formulated for consumer, being based on should Personalized authorized agreement provides process to business service and payment process of withholing control effectively, and reaches and realizes that businessman withholds wind The effect that danger and consumer's usage experience balance each other, under the premise of guaranteeing consumer's usage experience, reduction businessman as far as possible is detained Money risk, guarantee businessman withhold risk under the premise of, as far as possible promotion consumer's usage experience.

Fig. 2 is the first flow diagram for the method for mobile payment that this specification one or more embodiment provides, Fig. 2 In method can be executed by the background server in Fig. 1, as shown in Fig. 2, this method at least includes the following steps:

S201 receives the authority checking request of merchant terminal, wherein authority checking request is merchant terminal for target What the service request of user was sent, which can be the client-based scanning figure shape code operation of merchant terminal or mesh Mark the authentication input information generation of user；

For example, merchant terminal detects that target user uses on client scan counter by taking Intelligent unattended counter as an example It graphic code or detects that target user triggers the function and when inputting face information of losing face on counter, generates corresponding business Request, and corresponding authority checking request is generated based on the service request, then authority checking request is sent to background service Device；

S202 determines target authorized agreement corresponding with the authority checking request received, wherein the target authorized agreement It is that the user credit information of the targeted business scenario type of the service request based on target user and target user generates；

Specifically, after receiving authority checking request, if target user awards for the business scenario signed of request It weighs agreement and the authorized agreement is effective, then directly using the authorized agreement as target authorized agreement；It is corresponding, if target user Authorized agreement is not signed in advance for the business scenario of request or signed authorized agreement is invalid, then needs target user's weight New signature authorized agreement, and using the authorized agreement as target authorized agreement；

Wherein, no matter signed authorized agreement or the authorized agreement newly signed, be all based on business scenario type and What user information generated, personalized authorized agreement can be formulated for consumer, reach and realize that businessman withholds risk and consumer makes The effect to be balanced each other with experience；And it can control effectively to the authorization number in authorized agreement, solve single authorization The cumbersome problem of bring, and solve the problems, such as that long grant bring degree of safety is low；

S203 is controlled the service request of merchant terminal response target user and is mentioned based on the target authorized agreement determined For corresponding business service, specifically, control merchant terminal responds the service request after determining target authorized agreement, and Corresponding business service is provided；

For example, determining that existing authorized agreement is effective still by taking Intelligent unattended counter as an example or determining that user's signing is awarded After the completion of weighing agreement, door open command is sent to merchant terminal, so that the quotient that target user buys needed for taking away in Intelligent cargo cabinet Product can guarantee that subsequent can normally complete of businessman is withholdd in this way；

S204 is right according to the spending amount of payment needed for target authorized agreement and the business service provided for target user The authorization account of target user carries out delivery operation of withholing；

Specifically, handle client withhold request when, combining target authorized agreement judge this withhold request whether close Rule carry out operation of withholing if closing rule, if irregularity, without operation of withholing, can be further ensured that consumption in this way The safety of person's property.

It is consumer's system in conjunction with business scenario type and user credit information in this specification one or more embodiment Fixed personalization authorized agreement, provides process to business service based on the personalization authorized agreement and payment process progress of withholing is effective Control achievees the effect that realize that businessman withholds risk and consumer's usage experience balances each other, is guaranteeing consumer's usage experience Under the premise of, reduction businessman as far as possible withholds risk, guarantee businessman withhold risk under the premise of, promotion consumer uses as far as possible Experience.

Wherein, as shown in figure 3, above-mentioned S202 determines target authorized agreement corresponding with the authority checking request received, It specifically includes:

S2021 judges whether there is available authorized agreement corresponding with the authority checking request received, specifically, first According to authority checking request in the unique identification of target user that carries and business scenario identifier lookup with the presence or absence of having contracted Authorized agreement, and if it exists, the authorized agreement contracted whether de-authorization is then determined, if not releasing, it is determined that exist Available authorized agreement corresponding with the authority checking request received；It if it does not exist or has released, it is determined that be not present and reception Corresponding available authorized agreement is requested in the authority checking arrived；

If so, executing S2022, the available authorized agreement contracted is determined as target corresponding with authority checking request Authorized agreement, wherein the available authorized agreement is generated based on business scenario type and user credit information；

Specifically, illustrating at this time after determining in the presence of available authorized agreement corresponding with the authority checking request received A corresponding authorized agreement identified with the business scenario carried in authority checking request of target user preparatory signed, and The authorized agreement contracted is still valid, has certain guarantee to subsequent operating process of withholing, then can be used authorized agreement to determine this For target authorized agreement.

If it is not, S2023 is then executed, the targeted business scenario type of the service request based on target user and target user User credit information generate initial authorization agreement；And execute,

S2024 determines target authorized agreement corresponding with authority checking request according to the initial authorization agreement of generation；

Specifically, being said at this time determining there is no after available authorized agreement corresponding with the authority checking request received The bright target user corresponding authorized agreement identified with the business scenario carried in authority checking request unsigned in advance, Huo Zheyi The authorized agreement of signing is invalid, then target user is needed to contract again a authorized agreement.

Wherein, after combining business scenario type and user credit information to generate initial authorization agreement, target user is needed Confirmation authorization obtains the process of target authorized agreement for by initial authorization agreement, and above-mentioned S2024 is according to the initial authorization of generation Agreement determines target authorized agreement corresponding with authority checking request, specifically includes:

The initial authorization agreement of generation is sent to client used in target user by step 1, so that client's end group Authorization page is shown in the initial authorization agreement；

Step 2, after receiving user for the confirmation message of above-mentioned authorization page input, by the initial authorization agreement It is determined as authority checking and requests corresponding target authorized agreement.

Wherein, if target user does not sign authorized agreement or signed authorization for the business scenario of request in advance Agreement has failed, then needs target user to sign authorized agreement again, for the generating process of initial authorization agreement, such as Fig. 4 institute Show, the user credit letter of the targeted business scenario type of service request of the above-mentioned S2023 based on target user and target user Breath generates initial authorization agreement, specifically includes:

S20231 determines authorization parameter corresponding with the business scenario type that the service request of target user is targeted, In, which includes: the authorization amount of money, authorization frequency, the authorization time, authorization cycles, authorizes in number at least two；

Specifically, classifying in advance to the business scenario being related to, for example, business scenario type may include: intelligent nothing People's counter, number joy membership service, the service, KTV jukebox etc. of calling a taxi of going on a journey, for each business scenario, according to the business field The attribute information of scape determines corresponding authorization parameter, the corresponding relationship between storage service scene type and authorization parameter；It is subsequent During generating initial authorization agreement, according to the corresponding relationship between the business scenario and authorization parameter prestored, determine with The targeted corresponding authorization parameter of business scenario type of the service request of target user；Wherein it is possible to according to business scenario class The payment frequency of type determines the authorization frequency in authorized agreement, for example, awarding for the business scenario of number joy membership service Power frequency is 1 time/month；

S20232 is awarded if the user credit information of target user meets default credit and closes rule index according to what is determined Weight parameter generates initial authorization agreement；

Specifically, during generating initial authorization agreement, the user credit information determination also according to target user is It is no that pre-authorization is needed to freeze the amount of money, for target user credit rating it is relatively good in the case where, without in advance authorization the amount of money, directly Authorization target user can pay the bill later, in this way under conditions of preventing the money of trade company from damaging risk, improve user experience；

S20233, if the user credit information of target user is unsatisfactory for default credit and closes rule index, according to target user The targeted business scenario type of service request determine that pre-authorization freezes the amount of money；And according to the authorization parameter determined and in advance The amount of money is freezed in authorization, generates initial authorization agreement, specifically, freezing the amount of money to target user according to the pre-authorization determined simultaneously A part of amount of money of authorization account freezing, to guarantee that the subsequent stage of withholing can normally execute operation of withholing；

Specifically, need to authorize in advance and freeze an amount of money in the case that the credit rating for being directed to target user is poor, with The money for reducing trade company damages risk, guarantees that businessman can normally withhold；

Wherein, by combining the business scenario type of refinement to determine the authorization parameter in authorized agreement, each class authority is realized The various dimensions of parameter control, and identify whether that carrying out pre-authorization freezes the amount of money, can both mention in this way in combination with user credit information The precision of high authorization control promotes user experience, and guarantees the success rate of finally withholing of businessman.

Wherein, for payment process of withholing, as described in Figure 5, above-mentioned S204 is according to target authorized agreement and is target user The spending amount paid needed for the business service of offer, carries out delivery operation of withholing to the authorization account of target user, specific to wrap It includes:

S2041 receives the payment request of withholing that merchant terminal is initiated, specifically, merchant terminal is being determined as target user It completes after business service is provided, the spending amount of the payment according to needed for the business service of offer generates payment request of withholing, for example, Still by taking Intelligent unattended counter as an example, after the commodity bought needed for determining target user in Intelligent cargo cabinet and taking away, according to target The total amount of the orders for the commodity that user is bought generates payment request of withholing；

Whether S2042, the payment request of withholing for judging to receive meet the authorization parameter in target authorized agreement, specifically , it is not directly to carry out operation of withholing, but be first based on target authorization after receiving the payment request of withholing of merchant terminal Whether the protocol identification payment request of withholing meets preset condition, and payment request of only withholing meets target authorized agreement, just holds Capable operation of withholing, can be avoided the phenomenon that businessman disorderly withholds occur in this way, to guarantee the assets security of consumer；

Specifically, including the case where authorizing frequency for authorization parameter, the payment of withholing that above-mentioned S2042 judgement receives is asked The no authorization parameter met in target authorized agreement of Seeking Truth, specifically includes:

Judge whether the execution frequency of the payment request of withholing received is consistent with the authorization frequency in target authorized agreement；

If not, it is determined that the payment request of withholing received does not meet the authorization parameter in target authorized agreement, at this time may be used There can be the case where merchant terminal disorderly withholds or accidentally withholds, the payment request that needs to withhold to this is effectively managed；

For example, for the business scenario of number joy membership service, if the authorization frequency in target authorized agreement is 1 Secondary/moon, and based on payment request of withholing, it identifies that merchant terminal this month has initiated request of once withholing, illustrates businessman's end at this time The case where end is in the presence of disorderly withholing or accidentally withholing, accordingly, it is determined that payment request of withholing does not meet the ginseng of the authorization in target authorized agreement Number wouldn't execute operation of withholing, and send corresponding abnormal prompt letter to merchant terminal to guarantee the assets security of consumer Breath；

If the determination result is YES, then S2043 is executed, according to the spending amount carried in payment request of withholing, target is used The authorization account at family carries out delivery operation of withholing；

If judging result be it is no, execute S2044, the failure of withholing generated for the payment request of withholing of merchant terminal mentions Show information, and the failure prompt information of withholing is fed back into merchant terminal, to inform that merchant terminal is not carried out the original for operation of withholing Cause；

In this specification one or more embodiment, in the authorization account requested to target user of withholing for merchant terminal When number being withholdd, whether the request of withholing of combining target authorized agreement, automatic identification merchant terminal meets target authorized agreement In authorization parameter regulation, payment request of only withholing meets target authorized agreement, just executes operation of withholing, realization is based on target Authorized agreement effectively manages the number of withholing, the amount of money, frequency of merchant terminal, can be avoided in this way and businessman occurs and disorderly withhold The phenomenon that, to guarantee the assets security of consumer.

Wherein, in order to further ensure the property safety of consumer, the authorization parameter in authorized agreement is now determined that in fact When exhausting, authorized agreement is released automatically, this is based on, in S204 according to target authorized agreement and the business provided for target user The spending amount paid needed for service withhold after delivery operation to the authorization account of target user, further includes:

If the authorization parameter in target authorized agreement has exhausted, which is assisted labeled as unavailable authorization View, specifically, automatically releasing authorized agreement after determining that target authorized agreement has failed, to further ensure consumption The property safety of person further promotes the usage experience of consumer.

In a specific embodiment, by taking Intelligent unattended counter as an example, as shown in fig. 6, giving in method of mobile payment Interactive process schematic diagram between each end, specifically:

S601, merchant terminal receive the authentication information of scan operation or the target user's input of client；

S602, merchant terminal send authority checking request to background server, wherein authority checking request carries mesh Mark unique identification and the business scenario mark of user；

S603, background server judge whether there is and authority checking request pair after receiving authority checking request The available authorized agreement answered；

S604, if there is available authorized agreement, then by this, to can be used authorized agreement to be determined as corresponding with authority checking request Target authorized agreement；

S605 is then generated based on current business scene type and user credit information if there is no available authorized agreement Initial authorization agreement；And

S606, background server send the initial authorization agreement generated to client used in target user；

S607, client show authorization page based on the initial authorization agreement received；

S608, client receive the license confirmation information that target user is directed to authorization page input；

S609, client send the license confirmation information for being directed to initial authorization agreement to background server；

Initial authorization agreement is determined as by S610, background server after receiving the license confirmation information of target user Corresponding target authorized agreement is requested in authority checking；

S611, background server send enabling control instruction after determining target authorized agreement, to merchant terminal, so that The commodity that target user buys needed for taking away in Intelligent unattended counter；

S612, merchant terminal send payment request of withholing to background server, wherein the payment request of withholing carries mesh The spending amount paid needed for user is marked, specifically, taking the required commodity bought away in Intelligent cargo cabinet determining target user Afterwards, the total amount of the orders for the commodity bought according to target user generates payment request of withholing；

S613, background server judge the payment of withholing based on target authorized agreement after receiving and withholing payment request Whether request closes rule；

S614, according to the spending amount carried in payment request of withholing, uses target if payment request of withholing closes rule The authorization account at family carries out delivery operation of withholing；

S615 generates the mistake of withholing of the payment request of withholing for merchant terminal if withholing payment request irregularity Lose prompt information；

S616, background server sends failure prompt information of withholing to merchant terminal, to inform that merchant terminal is not carried out button The reason of money operates；

S617, background server is withholdd in execution after operation or prompt information transmission, in determining target authorized agreement Authorization parameter when having exhausted, release the target authorized agreement.

Method of mobile payment in this specification one or more embodiment receives the industry that merchant terminal is directed to target user The authority checking request that business request is initiated；Determine target authorized agreement corresponding with authority checking request；Control merchant terminal Response service request simultaneously provides corresponding business service；The spending amount of the payment according to needed for target user and target authorization association View, carries out delivery operation of withholing to the authorization account of target user.In conjunction with business scenario type and user credit information, for consumption Person formulates personalized authorized agreement, provides process to business service based on the personalization authorized agreement and payment process of withholing carries out Effectively control achievees the effect that realize that businessman withholds risk and consumer's usage experience balances each other, and is guaranteeing that consumer uses body Under the premise of testing, reduction businessman as far as possible withholds risk, guarantee businessman withhold risk under the premise of, promotion consumer as far as possible Usage experience.

The method of mobile payment that corresponding above-mentioned Fig. 2 to Fig. 6 is described, based on the same technical idea, this specification one or Multiple embodiments additionally provide a kind of mobile payment device, and Fig. 7 is the mobile branch that this specification one or more embodiment provides The module composition schematic diagram of device is paid, the device is for executing the method for mobile payment that Fig. 2 to Fig. 7 is described, as shown in fig. 7, should Device includes:

Request receiving module 701, the authority checking for receiving merchant terminal are requested, wherein the authority checking request It is that the merchant terminal is sent for the service request of target user；

Protocol determination module 702, for determining target authorized agreement corresponding with authority checking request, wherein institute Stating target authorized agreement is the user credit based on the service request targeted business scenario type and the target user What information generated；

Control module 703 controls the merchant terminal and responds the service request for being based on the target authorized agreement And provide corresponding business service；

Module of withholing 704, spending amount and the target authorized agreement for the payment according to needed for the business service, Delivery operation of withholing is carried out to the authorization account of the target user.

Optionally, the protocol determination module 702, is specifically used for:

Judge whether there is available authorized agreement corresponding with authority checking request；

If so, target authorized agreement corresponding with authority checking request can be determined as with authorized agreement by described；

If it is not, then being believed based on the user credit of the targeted business scenario type of the service request and the target user Breath generates initial authorization agreement, and determines target authorization corresponding with authority checking request according to the initial authorization agreement Agreement.

Optionally, the protocol determination module 702, is further specifically used for:

Determine authorization parameter corresponding with the business scenario type that the service request is targeted, wherein the authorization ginseng Number includes: the authorization amount of money, authorization frequency, the authorization time, authorization cycles, authorizes in number at least two；

If the user credit information of the target user meets default credit and closes rule index, described awarded according to what is determined Weight parameter generates initial authorization agreement.

Optionally, the protocol determination module 702, is also further specifically used for:

If the user credit information of the target user is unsatisfactory for default credit and closes rule index, according to the service request Targeted business scenario type determines that pre-authorization freezes the amount of money；

Freeze the amount of money according to the authorization parameter and the pre-authorization determined, generates initial authorization agreement.

Optionally, the module 704 of withholing, is specifically used for:

Receive the payment request of withholing that the merchant terminal is initiated；

Whether payment request of withholing described in judgement meets the authorization parameter in the target authorized agreement；

If the determination result is YES, then the spending amount of the payment according to needed for the business service, to the target user's Authorization account carries out delivery operation of withholing.

Optionally, the module 704 of withholing, also particularly useful for:

If judging result be it is no, generate the failure prompt information of withholing for the payment request of withholing, and will be described Failure prompt information of withholing feeds back to the merchant terminal.

Optionally, described device further includes negotiated settlement module, is used for:

If the authorization parameter in the target authorized agreement has exhausted, by the target authorized agreement labeled as unavailable Authorized agreement.

Optionally, the authorization parameter includes authorization frequency；The module 704 of withholing, is further specifically used for:

Whether the execution frequency for payment request of withholing described in judgement is consistent with the authorization frequency；

If not, it is determined that the payment request of withholing does not meet the authorization parameter in the target authorized agreement.

Optionally, the service request is that the client-based scanning figure shape code operation of the merchant terminal or target are used What the authentication input information at family generated.

The initial authorization agreement of generation is sent to client used in the target user, so that the client Authorization page is shown based on the initial authorization agreement；

After receiving user for the confirmation message of authorization page input, the initial authorization agreement is determined as Corresponding target authorized agreement is requested in the authority checking.

Mobile payment device in this specification one or more embodiment receives the industry that merchant terminal is directed to target user The authority checking request that business request is initiated；Determine target authorized agreement corresponding with authority checking request；Control merchant terminal Response service request simultaneously provides corresponding business service；The spending amount of the payment according to needed for target user and target authorization association View, carries out delivery operation of withholing to the authorization account of target user.In conjunction with business scenario type and user credit information, for consumption Person formulates personalized authorized agreement, provides process to business service based on the personalization authorized agreement and payment process of withholing carries out Effectively control achievees the effect that realize that businessman withholds risk and consumer's usage experience balances each other, and is guaranteeing that consumer uses body Under the premise of testing, reduction businessman as far as possible withholds risk, guarantee businessman withhold risk under the premise of, promotion consumer as far as possible Usage experience.

It should be noted that being propped up about in the embodiment of mobile payment device and this specification about mobile in this specification Based on the same inventive concept, therefore the specific implementation of the embodiment may refer to aforementioned corresponding mobile branch to the embodiment for the method for paying The implementation for the method for paying, overlaps will not be repeated.

The method of mobile payment that corresponding above-mentioned Fig. 2 to Fig. 6 is described, based on the same technical idea, this specification one or Multiple embodiments additionally provide a kind of mobile-payment system, and Fig. 8 is the mobile branch that this specification one or more embodiment provides The structure composition schematic diagram for the system of paying, as shown in figure 8, the system includes: merchant terminal 10 and background server 20, wherein should Background server 20 includes: mobile payment device as shown in Figure 7；

Above-mentioned merchant terminal 10, for generating the authority checking request for the service request for being directed to target user, and to from the background Server 20 sends authority checking request；And the spending amount to payment needed for the transmission target user of background server 20；

Above-mentioned background server 20, for receiving the authority checking request of the transmission of merchant terminal 10；And determining and authorization The corresponding target authorized agreement of checking request, wherein the target authorized agreement is that the service request based on target user is targeted Business scenario type and target user user credit information generate；And based on the target authorized agreement determined, control Merchant terminal 10 processed responds the service request and provides corresponding business service；And it is taken according to the business provided for target user The spending amount and target authorized agreement paid needed for business, carries out delivery operation of withholing to the authorization account of target user.

Mobile-payment system in this specification one or more embodiment receives the industry that merchant terminal is directed to target user The authority checking request that business request is initiated；Determine target authorized agreement corresponding with authority checking request；Control merchant terminal Response service request simultaneously provides corresponding business service；The spending amount of the payment according to needed for target user and target authorization association View, carries out delivery operation of withholing to the authorization account of target user.In conjunction with business scenario type and user credit information, for consumption Person formulates personalized authorized agreement, provides process to business service based on the personalization authorized agreement and payment process of withholing carries out Effectively control achievees the effect that realize that businessman withholds risk and consumer's usage experience balances each other, and is guaranteeing that consumer uses body Under the premise of testing, reduction businessman as far as possible withholds risk, guarantee businessman withhold risk under the premise of, promotion consumer as far as possible Usage experience.

It should be noted that being propped up about in the embodiment of mobile-payment system and this specification about mobile in this specification Based on the same inventive concept, therefore the specific implementation of the embodiment may refer to aforementioned corresponding mobile branch to the embodiment for the method for paying The implementation for the method for paying, overlaps will not be repeated.

Further, corresponding above-mentioned Fig. 2 is to method shown in fig. 6, based on the same technical idea, this specification one or Multiple embodiments additionally provide a kind of mobile payment device, and the equipment is for executing above-mentioned method of mobile payment, such as Fig. 9 institute Show.

Mobile payment device can generate bigger difference because configuration or performance are different, may include one or one with On processor 901 and memory 902, can store one or more storage application programs or number in memory 902 According to.Wherein, memory 902 can be of short duration storage or persistent storage.The application program for being stored in memory 902 may include one A or more than one module (diagram is not shown), each module may include can to the series of computation machine in mobile payment device It executes instruction.Further, processor 901 can be set to communicate with memory 902, executes and deposits on mobile payment device Series of computation machine executable instruction in reservoir 902.Mobile payment device can also include one or more power supplys 903, one or more wired or wireless network interfaces 904, one or more input/output interfaces 905, one or More than one keyboard 906 etc..

In a specific embodiment, mobile payment device includes memory and one or more journey Sequence, perhaps more than one program is stored in memory and one or more than one program may include one for one of them Or more than one module, and each module may include to the series of computation machine executable instruction in mobile payment device, and Be configured to be executed this by one or more than one processor or more than one program include by carry out it is following based on Calculation machine executable instruction:

Optionally, computer executable instructions when executed, determination mesh corresponding with authority checking request Mark authorized agreement, comprising:

Optionally, computer executable instructions when executed, the business field targeted based on the service request Scape type and the user credit information of the target user generate initial authorization agreement, comprising:

Optionally, computer executable instructions when executed, are determining and the targeted business field of the service request After the corresponding authorization parameter of scape type, further includes:

Optionally, computer executable instructions when executed, the consumption of the payment according to needed for the business service The amount of money and the target authorized agreement carry out delivery operation of withholing to the authorization account of the target user, comprising:

Optionally, when executed, what is carried in payment request of withholing described in the judgement withholds computer executable instructions Whether information meets after the authorization parameter in the target authorized agreement, further includes:

Optionally, computer executable instructions are when executed, golden in the consumption of the payment according to needed for the business service Volume withhold after delivery operation to the authorization account of the target user, further includes:

Optionally, when executed, the authorization parameter includes authorization frequency to computer executable instructions；

Whether payment request of withholing described in the judgement meets the authorization parameter in the target authorized agreement, comprising:

Optionally, when executed, the service request is that the merchant terminal is based on client to computer executable instructions The scanning figure shape code at end operates or the authentication of target user inputs what information generated.

Optionally, computer executable instructions when executed, it is described according to the initial authorization agreement it is determining with it is described Corresponding target authorized agreement is requested in authority checking, comprising:

Further, corresponding above-mentioned Fig. 2 is to method shown in fig. 6, based on the same technical idea, this specification one or Multiple embodiments additionally provide a kind of storage medium,, should in a kind of specific embodiment for storing computer executable instructions Storage medium can be USB flash disk, CD, hard disk etc., and the computer executable instructions of storage medium storage are being executed by processor When, it is able to achieve following below scheme:

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, the determination and institute It states authority checking and requests corresponding target authorized agreement, comprising:

Optionally, the computer executable instructions of storage medium storage are described based on described when being executed by processor The targeted business scenario type of service request and the user credit information of the target user generate initial authorization agreement, packet It includes:

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, it is determining with it is described After the targeted corresponding authorization parameter of business scenario type of service request, further includes:

Optionally, the computer executable instructions of storage medium storage are described according to when being executed by processor The spending amount paid needed for business service and the target authorized agreement, withhold to the authorization account of the target user Delivery operation, comprising:

Optionally, the computer executable instructions of storage medium storage are judging the button when being executed by processor Whether the information of withholing carried in money payment request meets after the authorization parameter in the target authorized agreement, further includes:

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, according to the industry The spending amount paid needed for business service withhold after delivery operation to the authorization account of the target user, further includes:

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, the authorization parameter Including authorizing frequency；

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, the service request It is that the client-based scanning figure shape code operation of the merchant terminal or the authentication of target user input information generate.

Optionally, the computer executable instructions of storage medium storage are described according to when being executed by processor Initial authorization agreement determines target authorized agreement corresponding with authority checking request, comprising:

The computer executable instructions of storage medium storage in this specification one or more embodiment are by processor When execution, the authority checking request that merchant terminal is initiated for the service request of target user is received；The determining and authority checking Request corresponding target authorized agreement；Control merchant terminal response service request simultaneously provides corresponding business service；According to target The spending amount and target authorized agreement paid needed for user, carries out delivery operation of withholing to the authorization account of target user.Knot Business scenario type and user credit information are closed, personalized authorized agreement is formulated for consumer, is based on the personalization authorized agreement Process is provided to business service and payment process of withholing control effectively, and is reached and is realized that businessman withholds risk and consumer uses The effect that balances each other is experienced, under the premise of guaranteeing consumer's usage experience, reduction businessman as far as possible withholds risk, in guarantee quotient Family withholds under the premise of risk, as far as possible promotion consumer's usage experience.

In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example, Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit. Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device (Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development, And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language (Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL (Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HD Cal、 JHDL(Java Hardware Description Language)、Lava、Lola、My HDL、PALASM、RHDL(Ruby Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages, The hardware circuit for realizing the logical method process can be readily available.

Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can Read medium, logic gate, switch, specific integrated circuit (Application Specific Integrated Circuit, ASIC), the form of programmable logic controller (PLC) and insertion microcontroller, the example of controller includes but is not limited to following microcontroller Device: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320 are deposited Memory controller is also implemented as a part of the control logic of memory.It is also known in the art that in addition to Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic Controller is obtained to come in fact in the form of logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc. Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions For either the software module of implementation method can be the structure in hardware component again.

System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment The combination of equipment.

For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this The function of each unit can be realized in the same or multiple software and or hardware when specification one or more.

It should be understood by those skilled in the art that, the embodiment of this specification one or more can provide for method, system, Or computer program product.Therefore, this specification one or more can be used complete hardware embodiment, complete software embodiment, Or the form of embodiment combining software and hardware aspects.Moreover, this specification one or more can be used in one or more It wherein include computer-usable storage medium (the including but not limited to magnetic disk storage, CD- of computer usable program code ROM, optical memory etc.) on the form of computer program product implemented.

This specification one or more is referring to (being according to method, the equipment of this specification one or more embodiment System) and the flowchart and/or the block diagram of computer program product describe.It should be understood that can be realized by computer program instructions The process and/or box in each flow and/or block and flowchart and/or the block diagram in flowchart and/or the block diagram Combination.Can provide these computer program instructions to general purpose computer, special purpose computer, Embedded Processor or other can compile The processor of journey data processing equipment is to generate a machine, so that passing through computer or other programmable data processing devices The instruction that processor executes generates for realizing in one box of one or more flows of the flowchart and/or block diagram or more The device for the function of being specified in a box.

These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.

These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.

In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net Network interface and memory.

Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.

Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.

It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want There is also other identical elements in the process, method of element, commodity or equipment.

It will be understood by those skilled in the art that the embodiment of this specification one or more can provide as method, system or meter Calculation machine program product.Therefore, complete hardware embodiment, complete software embodiment or combination can be used in this specification one or more The form of embodiment in terms of software and hardware.It is wherein wrapped moreover, this specification one or more can be used in one or more Computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optics containing computer usable program code Memory etc.) on the form of computer program product implemented.

This specification one or more can be in the general context of computer-executable instructions executed by a computer Description, such as program module.Generally, program module includes the example for executing particular task or realizing particular abstract data type Journey, programs, objects, component, data structure etc..This specification one or more can also be practiced in a distributed computing environment It is a, in these distributed computing environments, by executing task by the connected remote processing devices of communication network.Dividing Cloth calculates in environment, and program module can be located in the local and remote computer storage media including storage equipment.

All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method Part explanation.

The foregoing is merely the embodiment of this specification one or more, be not limited to this specification one or It is multiple.To those skilled in the art, this specification one or more can have various modifications and variations.It is all in this explanation Any modification, equivalent replacement, improvement and so within book one or more spirit and principle, should be included in this specification Within one or more scopes of the claims.

Claims

1. a kind of method of mobile payment, comprising:

Receive the authority checking request of merchant terminal, wherein the authority checking request is that the merchant terminal is used for target What the service request at family was sent；

Determine target authorized agreement corresponding with authority checking request, wherein the target authorized agreement is based on described What the targeted business scenario type of service request and the user credit information of the target user generated；

Based on the target authorized agreement, controls the merchant terminal and respond the service request and corresponding business clothes are provided Business；

Authorization according to the spending amount of payment needed for the business service and the target authorized agreement, to the target user Account carries out delivery operation of withholing.

2. according to the method described in claim 1, wherein, determination target authorization corresponding with authority checking request is assisted View, comprising:

If it is not, then raw based on the targeted business scenario type of the service request and the user credit information of the target user Determine that target authorization corresponding with authority checking request is assisted at initial authorization agreement, and according to the initial authorization agreement View.

3. according to the method described in claim 2, wherein, the business scenario type targeted based on the service request and The user credit information of the target user generates initial authorization agreement, comprising:

Determine authorization parameter corresponding with the business scenario type that the service request is targeted, wherein the authorization parameter packet Include: the authorization amount of money, the authorization time, authorization cycles, authorizes in number at least two at authorization frequency；

If the user credit information of the target user, which meets default credit, closes rule index, according to the authorization ginseng determined Number generates initial authorization agreement.

4. according to the method described in claim 3, wherein, determining and the targeted business scenario type pair of the service request After the authorization parameter answered, further includes:

If the user credit information of the target user is unsatisfactory for default credit and closes rule index, according to service request institute needle Pair business scenario type determine that pre-authorization freezes the amount of money；

5. according to the method described in claim 1, wherein, the spending amount of the payment according to needed for the business service and institute Target authorized agreement is stated, delivery operation of withholing is carried out to the authorization account of the target user, comprising:

If the determination result is YES, then the spending amount of the payment according to needed for the business service, the authorization to the target user Account carries out delivery operation of withholing.

6. according to the method described in claim 5, wherein, carried in payment request of withholing described in the judgement withhold information whether After meeting the authorization parameter in the target authorized agreement, further includes:

If judging result be it is no, generate the failure prompt information of withholing for the payment request of withholing, and withhold described Failure prompt information feeds back to the merchant terminal.

7. according to the method described in claim 5, wherein, in the spending amount of the payment according to needed for the business service, to institute The authorization account for stating target user withhold after delivery operation, further includes:

If the authorization parameter in the target authorized agreement has exhausted, the target authorized agreement is labeled as unavailable authorization Agreement.

8. according to the method described in claim 5, wherein, the authorization parameter includes authorization frequency；

9. according to the method described in claim 1, wherein, the service request is the client-based scanning of the merchant terminal What graphic code operation or the authentication of target user input information generated.

10. described to be tested according to the initial authorization agreement is determining with described authorize according to the method described in claim 2, wherein Card requests corresponding target authorized agreement, comprising:

The initial authorization agreement of generation is sent to client used in the target user, so that the client is based on The initial authorization agreement shows authorization page；

After receiving user for the confirmation message of authorization page input, the initial authorization agreement is determined as described Corresponding target authorized agreement is requested in authority checking.

11. a kind of mobile payment device, comprising:

Request receiving module, the authority checking for receiving merchant terminal are requested, wherein the authority checking request is the quotient Family's terminal is sent for the service request of target user；

Protocol determination module, for determining target authorized agreement corresponding with authority checking request, wherein the target is awarded Power agreement is generated based on the targeted business scenario type of the service request and the user credit information of the target user 's；

Control module controls the merchant terminal and responds the service request and provide for being based on the target authorized agreement Corresponding business service；

It withholds module, spending amount and the target authorized agreement for the payment according to needed for the business service, to described The authorization account of target user carries out delivery operation of withholing.

12. device according to claim 11, wherein the protocol determination module is specifically used for:

13. device according to claim 12, wherein the protocol determination module is further specifically used for:

14. device according to claim 13, wherein the protocol determination module is also further specifically used for:

15. device according to claim 11, wherein the module of withholing is specifically used for:

16. device according to claim 15, wherein the module of withholing, also particularly useful for:

17. device according to claim 15, wherein described device further includes negotiated settlement module, is used for:

18. device according to claim 15, wherein the authorization parameter includes authorization frequency；

The module of withholing, is further specifically used for:

19. device according to claim 11, wherein the service request, which is that the merchant terminal is client-based, sweeps The shape code that traces designs operates or the authentication of target user inputs what information generated.

20. device according to claim 12, wherein the protocol determination module is also further specifically used for:

21. a kind of mobile-payment system, comprising: merchant terminal and background server, wherein the background server include: as The described in any item mobile payment devices of claim 11 to 20；

The merchant terminal for generating the authority checking request for the service request for being directed to target user, and takes to the backstage Business device sends the authority checking request；And the consumption gold of payment needed for the background server sending the target user Volume；

The background server, for receiving the authority checking request；And determine mesh corresponding with authority checking request Mark authorized agreement, wherein the target authorized agreement is based on the targeted business scenario type of the service request and described What the user credit information of target user generated；And it is based on the target authorized agreement, control merchant terminal response institute It states service request and corresponding business service is provided；And the spending amount and the mesh of the payment according to needed for the business service Authorized agreement is marked, delivery operation of withholing is carried out to the authorization account of the target user.

22. a kind of mobile payment device, comprising:

Processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processing when executed Device:

23. a kind of storage medium, for storing computer executable instructions, the executable instruction is realized following when executed Process: