CN104484798A - Payment method and device - Google Patents
Payment method and device Download PDFInfo
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- CN104484798A CN104484798A CN201510011180.8A CN201510011180A CN104484798A CN 104484798 A CN104484798 A CN 104484798A CN 201510011180 A CN201510011180 A CN 201510011180A CN 104484798 A CN104484798 A CN 104484798A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The invention relates to a payment method and device. The method includes the steps that a business client obtains a charging request; a payment request is generated according to the charging request and sent to a payment client through a safety payment interface; the payment client sends payment verification information to the business client according to the payment request; the business client sends a verification result to the payment client according to the payment verification information; the payment client sends the verification result to a payment server so that the payment server can complete payment according to the verification result and a payment result can be generated. When a user needs to pay an electricity bill, the user can purchase electricity only by using the business client, the payment server and the business server on a mobile terminal instead of going to an electric power business hall to pay the electricity bill during working time, so that time cost of the user is reduced and handling convenience is improved.
Description
Technical field
The disclosure relates to Internet technical field, particularly relates to a kind of method of payment and device.
Background technology
Current, household electrical appliance play a part more and more important in the life of people, such as, need during night to use electric light to throw light on, need using air-condition to lower the temperature during it heat, and need when cooking to use smoke exhaust ventilator to detach oil smoke etc., but these household electrical appliance must utilize electric energy to work.
When night, when user uses electric light to throw light on, if the electric quantity consumption now owing to buying in advance in subscriber household using electricity system is complete and when having a power failure suddenly, electric light just cannot continue illumination, user must go Utilities Electric Co.'s power purchase with after the electricity in replenish user household electricity system, could continue to make to be lighted with electric light.But the staff of Utilities Electric Co. is off duty due to night, user must wait until the second Tian Cainengqu Utilities Electric Co. power purchase.Therefore cannot throw light on to electric light in this period of time of second day user's power purchase in power failure, very big inconvenience can be brought to user like this.
Summary of the invention
For overcoming Problems existing in correlation technique, the disclosure provides a kind of method of payment and device.
First aspect, a kind of method of payment, described method comprises:
Service customer end in mobile terminal obtains payment request;
Service customer end in mobile terminal judges whether service customer end is provided with the secure payment interface between the payment client terminal in mobile terminal;
When being provided with described secure payment interface, service customer end generates according to described payment request the request of payment, and by described secure payment interface, described payment request is sent to payment client terminal;
Payment client terminal sends payment verification information according to described payment request to service customer end;
Service customer end sends the result according to described payment verification information to payment client terminal;
Described the result is sent to paying server by payment client terminal, to make paying server complete payment according to described the result, and generates payment result;
Described payment result is sent to service customer end by the service server corresponding with service customer end by paying server;
Service customer end shows described payment result.
Wherein, the service customer end in described mobile terminal obtains payment request, comprising:
Service customer end in mobile terminal judges whether the inquiry request receiving user's input;
When receiving described inquiry request, described inquiry request is sent to service server;
Receive Query Result that service server sends according to described inquiry request and show described Query Result;
Receive the described payment request of user according to the described Query Result input of display.
Wherein, the service customer end in described mobile terminal obtains payment request, comprising:
Service customer end in mobile terminal judges whether that the expense of urging receiving service server transmission is asked;
When urging expense to ask described in receiving, the service customer end in mobile terminal according to described in expense of urging ask to generate described payment and ask.
Further, the service customer end in described mobile terminal also comprises before obtaining payment request:
Service customer end in mobile terminal receives the logging request of user's input;
User ID and the user cipher of described user is obtained according to described logging request; Described user ID is used in service server, identify described user;
Send described user ID and described user cipher to service server, with make service server according to described user ID and described user cipher the identity to described user verify, and generate login response after being proved to be successful;
What receive service server transmission logins successfully response.
Wherein, described user ID and the user cipher obtaining described user according to described logging request, comprising:
Login interface is obtained according to described logging request; Described login interface comprises user ID input frame and user cipher input frame;
Show described login interface;
Obtain information that described user inputs in described user ID input frame and as described user ID; And,
Obtain information that described user inputs in described user cipher input frame and as described user cipher.
Second aspect, a kind of payment mechanism, described device comprises:
First acquisition module, for obtaining payment request;
Judge module, for judging whether service customer end is provided with the secure payment interface between the payment client terminal in mobile terminal;
Generation module, for when being provided with described secure payment interface, generating according to described payment request the request of payment, and by described secure payment interface, described payment request being sent to payment client terminal;
First sending module, for sending payment verification information according to described payment request to service customer end;
Second sending module, for sending the result according to described payment verification information to payment client terminal;
3rd sending module, for described the result is sent to paying server, to make paying server complete payment according to described the result, and generates payment result;
4th sending module, for sending to service customer end by described payment result by the service server corresponding with service customer end;
Display module, for showing described payment result.
Wherein, described first acquisition module comprises:
First judging unit, for judging whether the inquiry request receiving user's input;
Transmitting element, for when receiving described inquiry request, sends to service server by described inquiry request;
First receiving element, shows described Query Result for the Query Result that sends according to described inquiry request;
Second receiving element, for receiving the described payment request of user according to the described Query Result input of display.
Wherein, described first acquisition module comprises:
Second judging unit, for judging whether that the expense of urging receiving service server transmission is asked;
Generation unit, for when urging expense to ask described in receiving, asks to generate described payment request according to described expense of urging.
Further, described device also comprises:
First receiver module, for receiving the logging request of user's input;
Second acquisition module, for obtaining user ID and the user cipher of described user according to described logging request; Described user ID is used in service server, identify described user;
5th sending module, for sending described user ID and described user cipher to service server, with make service server according to described user ID and described user cipher the identity to described user verify, and generate login response after being proved to be successful;
Second receiver module, for receive service server send login successfully response.
Wherein, described second acquisition module comprises:
First acquiring unit, for obtaining login interface according to described logging request; Described login interface comprises user ID input frame and user cipher input frame;
Display unit, for showing described login interface;
Second acquisition unit, for obtaining information that described user inputs in described user ID input frame and as described user ID; And,
3rd acquiring unit, for obtaining information that described user inputs in described user cipher input frame and as described user cipher.
The technical scheme that embodiment of the present disclosure provides can comprise following beneficial effect: in the disclosed embodiments, and the service customer end in mobile terminal obtains payment request; Judge whether service customer end is provided with the secure payment interface between the payment client terminal in mobile terminal; When being provided with secure payment interface, generating according to payment request the request of payment, and by secure payment interface, payment request being sent to payment client terminal.Payment client terminal sends payment verification information according to payment request to service customer end; Service customer end sends the result according to payment verification information to payment client terminal; The result is sent to paying server by payment client terminal, to make paying server complete payment according to the result, and generates payment result; Payment result is sent to service customer end by the service server corresponding with service customer end by paying server; Service customer end display payment result.When user needs electricity payment, electricity payment is removed to electricity business hall between operationally, only need utilize service customer end, paying server and service server just can power purchase on mobile terminals, thus reduce the time cost of user and improve process convenience.
Should be understood that, it is only exemplary and explanatory that above general description and details hereinafter describe, and can not limit the disclosure.
Accompanying drawing explanation
Accompanying drawing to be herein merged in instructions and to form the part of this instructions, shows embodiment according to the invention, and is used from instructions one and explains principle of the present invention.
Fig. 1 is the process flow diagram of a kind of method of payment according to an exemplary embodiment.
Fig. 2 is the process flow diagram of a kind of method of payment according to another exemplary embodiment.
Fig. 3 is a kind of scene schematic diagram according to another exemplary embodiment.
Fig. 4 is the block diagram of a kind of payment mechanism according to another exemplary embodiment.
Embodiment
Here will be described exemplary embodiment in detail, its sample table shows in the accompanying drawings.When description below relates to accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawing represents same or analogous key element.Embodiment described in following exemplary embodiment does not represent all embodiments consistent with the present invention.On the contrary, they only with as in appended claims describe in detail, the example of apparatus and method that aspects more of the present invention are consistent.
Fig. 1 is the process flow diagram of a kind of method of payment according to an exemplary embodiment, and as shown in Figure 1, the method is used for, in terminal, comprising the following steps.
In step S101, the service customer end in mobile terminal obtains payment request.
Mobile terminal can be mobile phone or panel computer etc.
Wherein, the service customer end in mobile terminal can obtain payment request by the following two kinds mode.
First kind of way, can be realized by following flow process, comprise:
11, the service customer end in mobile terminal judges whether the inquiry request receiving user's input.
Such as, when user is by after service customer end registering service server, if want the dump energy in the account of inquiring user, user can input the inquiry request for inquiring about dump energy and submit to service customer end on service customer end; Service customer end receives this inquiry request.
12, when receiving this inquiry request, this inquiry request is sent to service server.
13, receive Query Result that service server sends according to this inquiry request and show this Query Result.
Such as, this Query Result is the dump energy in the account of user, and after service customer end shows this Query Result, user directly can see the dump energy of its account on service customer end.
14, the payment request of user according to the Query Result input of display is received.
Wherein, user can determine whether will supplement electricity according to this dump energy, if will supplement electricity, then can input payment request on service customer end, and submit to service customer end; Service customer end receives the payment request of user's input.
The second way, can be realized by following flow process, comprise:
21, the service customer end in mobile terminal judges whether that the expense of urging receiving service server transmission is asked.
Such as, the dump energy in service server meeting periodic detection user account, when dump energy is less than or equal to default power threshold, can generates one and ask for urging the expense of urging of user's electricity payment; When user passes through user ID and the user cipher registering service server of user, service server expense of this being urged asks the service customer end sending to this user to use, and the user ID of user is used for identifying user in service server; This service customer end receives this expense of urging and asks.
22, when receiving expense of urging and asking, the service customer end in mobile terminal asks to generate payment request according to expense of urging.
When service customer end receive this expense of urging ask time, show this expense of urging and ask; User can ask on service customer end, input the amount of money that will pay the fees according to this expense of urging, and submits to service customer end; Service customer end receives the amount of money that will pay the fees of user's input, generates payment request according to the amount of money that will pay the fees of user's input and the user ID of user.
In step s 102, the service customer end in mobile terminal judges whether service customer end is provided with the secure payment interface between the payment client terminal in mobile terminal.
Secure payment interface can for being arranged on an assembly on mobile terminal, be mainly used to provide convenient to service customer end, safety and reliably payment services, like this, by secure processing interface user can be safe and efficient on service customer end paid the bill by payment client terminal.
When being provided with this secure payment interface, in step s 103, service customer end generates according to this payment request the request of payment, and by this secure payment interface, this payment request is sent to payment client terminal.Otherwise, process ends.
When receiving payment request, service customer end request user inputs the account identification of the user account of user; When receiving the account identification of user account of user's input; Obtain the account identification of service server account corresponding to service customer end again; Then generate according to the account identification of the user ID of user, the user account of user, the account identification of service server account and the payment amount of money request of payment.
The account identification of the user account of user is the account identification of the account that user registers in advance on paying server; Can be ID (Identity, identify label number) etc.Paying server can be the card sending system of various stored value card or bank card.
The account identification of the account that the technician of account identification belonging to service server of service server account registers in advance on paying server.Can be ID etc.
Wherein, the user account of user can be the bank account in stored value card, credit card, bank deposit card or bankbook, or is the virtual account for storing virtual currency.
Service server can be the power purchase server etc. of the server of trade company, such as power office.
Service customer end is the client that service server is corresponding.The power purchase APP (application program) of such as power office.
Paying server can be the server etc. of banking system.Payment client terminal is the client that paying server is corresponding.Such as, the APP of certain bank.
In step S104, payment client terminal sends payment verification information according to this payment request to service customer end.
Payment client terminal receives this payment request, sends this payment and asks to paying server, verifies this payment request to make paying server.Wherein, can verify whether the account identification of the user account that this payment request is carried and the account identification of server account are the account identification of legal account.
Such as, can judge whether the account identification of the user account of user is stored in local account identification list, when the account identification of the user account of user is stored in local account identification list, determine that the account identification of the user account of user is legal account; And can judge whether the account identification of service server account is stored in local account identification list, when the account identification of service server account is stored in local account identification list, determine that the account identification of service server account is legal account.
When paying server is to this payment requests verification success, generates payment verification information and send to service customer end.
This payment verification information comprises the user ID of user, the account identification of the user account of user, the account identification of service server account and the payment amount of money, this payment verification information also carries the Password Input frame for asking user to input the account password of the user account of user, confirm to make the account identification of the account identification of the user ID of user to user, user account, service server account and the payment amount of money, in case user's input error brings loss to user, and in this Password Input frame, input the account password of user account after verification.
In step S105, service customer end sends the result according to payment verification information to payment client terminal.
In the disclosed embodiments, when service customer end can receive this payment verification information, show this payment verification information, confirm to make the account identification of the user ID of user to user, the user account of user, the account identification of service server account and the payment amount of money, in case user's input error brings loss to user, and in Password Input frame, input the account password of user account after confirming and submit to service customer end.User is received in the account password changing the user account inputted in Password Input frame once service customer end, just confirm user rs authentication success, generate the result according to the account password of the user ID of user, the account identification of the user account of user, the user account of user, the account identification of service server account and the payment amount of money.Send to payment client terminal.
Wherein, the result can be sent to payment client terminal by secure payment interface by service customer end.
In step s 106, the result is sent to paying server by payment client terminal.
To make paying server complete payment according to the result, and generate payment result.
Wherein, in order to ensure information safety further, payment client terminal and paying server can be consulted encryption rule in advance and decipher rule, payment client terminal can according to the encryption rule of as offered, carry the user ID of user, the account identification of the user account of user, the account password of user account, the account identification of server account and the payment amount of money to the result to be encrypted, then the result after encryption is sent to paying server; After paying server receives the result after encryption, according to the deciphering rule of as offered, the result after encryption is decrypted, obtains the user ID of user, the account identification of the user account of user, the account password of user account, the account identification of server account and the payment amount of money.
Wherein, payment client terminal can pass through GPRS (General Packet Radio Service, General Packet Radio Server technology), GSM (Global System for Mobile Communication, global system for mobile communications) or the network such as WIFI (Wireless Fidelity, Wireless Fidelity) send this result to paying server.
In the disclosed embodiments, paying server extracts the account identification of the user account of user, the account password of user account, the account identification of paying server account and the payment amount of money from this result, the account identification of the user account of user and the account password of user account are verified, after being proved to be successful, from the first numerical value that the user account of user comprises, reduce this payment amount of money and this payment amount of money is increased in the second value in paying server account, then generating payment result.
Wherein, the first numerical value can be the quantity of money of current residual in the user account of user.Second value can be the quantity of money of current residual in the account of server.
In step s 107, this payment result is sent to service customer end by the service server corresponding with service customer end by paying server.
The service server that the user ID of this payment result and user sends to service customer end corresponding by paying server, service server receives the user ID of this payment result and user, and this payment result is sent to corresponding service customer end by the user ID according to user.
Further, paying server sends a notification message to service server, and this notification message carries user ID and the payment amount of money of user.Service server receives this notification message, from this notification message from the user ID and the payment amount of money that extract user, obtain the electricity that this payment amount of money is corresponding, this electricity is supplemented in account corresponding to the user ID of user, and send supplemental messages to service customer end, when service customer end is to this supplemental messages, show this supplemental messages, user can be seen, and that electricity has supplemented by service server is complete.
In step S108, service customer end shows this payment result.
Like this, user can see payment result in the display screen of terminal in time, facilitates user to understand payout status.
In the disclosed embodiments, the service customer end in mobile terminal obtains payment request; Judge whether service customer end is provided with the secure payment interface between the payment client terminal in mobile terminal; When being provided with secure payment interface, generating according to payment request the request of payment, and by secure payment interface, payment request being sent to payment client terminal.Payment client terminal sends payment verification information according to payment request to service customer end; Service customer end sends the result according to payment verification information to payment client terminal; The result is sent to paying server by payment client terminal, to make paying server complete payment according to the result, and generates payment result; Payment result is sent to service customer end by the service server corresponding with service customer end by paying server; Service customer end display payment result.When user needs electricity payment, electricity payment is removed to electricity business hall between operationally, only need utilize service customer end, paying server and service server just can power purchase on mobile terminals, thus reduce the time cost of user and improve process convenience.
Before user's service customer end input payment request in the terminal, first need registering service server on mobile terminals, payment request could be inputted afterwards.
In another embodiment of the disclosure, see Fig. 2, the method comprises the following steps:
In step s 201, the service customer end in mobile terminal receives the logging request of user's input.
This logging request or can be the operation for triggering default virtual key for the operation for pressing the predetermined physical button in terminal.
Predetermined physical button and default virtual key are the login button that user asks logon server.
In step S202, obtain user ID and the user cipher of described user according to described logging request.
Wherein, user ID is used for identifying user in the server, the account of the account that user ID can be registered in advance in the server for user.
In the disclosed embodiments, this step is realized by following flow process, comprising:
21, login interface is obtained according to described logging request.
Wherein, can obtain the login interface being used for logon server from server, this login interface at least comprises user ID input frame and user cipher input frame.
22, this login interface is shown.
At this login interface of display screen display of terminal.
See Fig. 3, login interface 1, except comprising user ID input frame 2 and user cipher input frame 3, can also comprise ACK button 4 and cancel button 5.
23, information that described user inputs in described user ID input frame is obtained and as described user ID; And, obtain information that described user inputs in described user cipher input frame and as described user cipher.
Wherein, user can input the user ID of user on the login interface of terminal demonstration in user ID input frame, and inputs user cipher in user cipher input frame, and submits to terminal.
User can input user ID and the user cipher of user respectively at user ID input frame 2 and user cipher input frame 3, then click ACK button 4 so that the user ID of input and user cipher are submitted to terminal.
In addition, when user does not think logon server, cancel button 5 can be clicked to stop logon server.
In step S203, send described user ID and described user cipher to described service server.
With make server according to user ID and user cipher the identity to user verify, and generate login response after being proved to be successful.
Wherein, the user ID that server receiving terminal sends and user cipher, obtain the local user ID of storage and the corresponding relation of user cipher, the user cipher that the user ID of reception is corresponding is found out from this corresponding relation, judge that whether the user cipher found is identical with the user cipher of reception, if identical, then confirm that user identity is legal, generation logins successfully response, and send this login successfully response to terminal.
In step S204, what receive service server transmission logins successfully response.
So achieve user login services device.
Further, terminal can also show this login response on a display screen, with make user on the display screen of terminal, see this login response after can determine user's logon server.
Fig. 4 is the block diagram of a kind of payment mechanism according to another exemplary embodiment.With reference to Fig. 4, this device comprises:
First acquisition module 401, for obtaining payment request;
Judge module 402, for judging whether service customer end is provided with the secure payment interface between the payment client terminal in mobile terminal;
Generation module 403, for when being provided with described secure payment interface, generating according to described payment request the request of payment, and by described secure payment interface, described payment request being sent to payment client terminal;
First sending module 404, for sending payment verification information according to described payment request to service customer end;
Second sending module 405, for sending the result according to described payment verification information to payment client terminal;
3rd sending module 406, for described the result is sent to paying server, to make paying server complete payment according to described the result, and generates payment result;
4th sending module 407, for sending to service customer end by described payment result by the service server corresponding with service customer end;
Display module 408, for showing described payment result.
In the disclosed embodiments, the service customer end in mobile terminal obtains payment request; Judge whether service customer end is provided with the secure payment interface between the payment client terminal in mobile terminal; When being provided with secure payment interface, generating according to payment request the request of payment, and by secure payment interface, payment request being sent to payment client terminal.Payment client terminal sends payment verification information according to payment request to service customer end; Service customer end sends the result according to payment verification information to payment client terminal; The result is sent to paying server by payment client terminal, to make paying server complete payment according to the result, and generates payment result; Payment result is sent to service customer end by the service server corresponding with service customer end by paying server; Service customer end display payment result.When user needs electricity payment, electricity payment is removed to electricity business hall between operationally, only need according to utilizing service customer end, paying server and service server just can power purchase on mobile terminals, thus reduce the time cost of user and improve process convenience.
Wherein, the first acquisition module 401 comprises:
First judging unit, for judging whether the inquiry request receiving user's input;
Transmitting element, for when receiving described inquiry request, sends to service server by described inquiry request;
First receiving element, shows described Query Result for the Query Result that sends according to described inquiry request;
Second receiving element, for receiving the described payment request of user according to the described Query Result input of display.
Wherein, the first acquisition module 401 comprises:
Second judging unit, for judging whether that the expense of urging receiving service server transmission is asked;
Generation unit, for when urging expense to ask described in receiving, asks to generate described payment request according to described expense of urging.
Further, this device also comprises:
First receiver module, for receiving the logging request of user's input;
Second acquisition module, for obtaining user ID and the user cipher of described user according to described logging request; Described user ID is used in service server, identify described user;
5th sending module, for sending described user ID and described user cipher to service server, with make service server according to described user ID and described user cipher the identity to described user verify, and generate login response after being proved to be successful;
Second receiver module, for receive service server send login successfully response.
Wherein, the second acquisition module comprises:
First acquiring unit, for obtaining login interface according to described logging request; Described login interface comprises user ID input frame and user cipher input frame;
Display unit, for showing described login interface;
Second acquisition unit, for obtaining information that described user inputs in described user ID input frame and as described user ID; And,
3rd acquiring unit, for obtaining information that described user inputs in described user cipher input frame and as described user cipher.
About the device in above-described embodiment, wherein the concrete mode of modules executable operations has been described in detail in about the embodiment of the method, will not elaborate explanation herein.
Those skilled in the art, at consideration instructions and after putting into practice invention disclosed herein, will easily expect other embodiment of the present invention.The application is intended to contain any modification of the present invention, purposes or adaptations, and these modification, purposes or adaptations are followed general principle of the present invention and comprised the undocumented common practise in the art of the disclosure or conventional techniques means.Instructions and embodiment are only regarded as exemplary, and true scope of the present invention and spirit are pointed out by claim below.
Should be understood that, the present invention is not limited to precision architecture described above and illustrated in the accompanying drawings, and can carry out various amendment and change not departing from its scope.Scope of the present invention is only limited by appended claim.
Claims (10)
1. a method of payment, is characterized in that, described method comprises:
Service customer end in mobile terminal obtains payment request;
Service customer end in mobile terminal judges whether service customer end is provided with the secure payment interface between the payment client terminal in mobile terminal;
When being provided with described secure payment interface, service customer end generates according to described payment request the request of payment, and by described secure payment interface, described payment request is sent to payment client terminal;
Payment client terminal sends payment verification information according to described payment request to service customer end;
Service customer end sends the result according to described payment verification information to payment client terminal;
Described the result is sent to paying server by payment client terminal, to make paying server complete payment according to described the result, and generates payment result;
Described payment result is sent to service customer end by the service server corresponding with service customer end by paying server;
Service customer end shows described payment result.
2. method according to claim 1, is characterized in that, the service customer end in described mobile terminal obtains payment request, comprising:
Service customer end in mobile terminal judges whether the inquiry request receiving user's input;
When receiving described inquiry request, described inquiry request is sent to service server;
Receive Query Result that service server sends according to described inquiry request and show described Query Result;
Receive the described payment request of user according to the described Query Result input of display.
3. method according to claim 1, is characterized in that, the service customer end in described mobile terminal obtains payment request, comprising:
Service customer end in mobile terminal judges whether that the expense of urging receiving service server transmission is asked;
When urging expense to ask described in receiving, the service customer end in mobile terminal according to described in expense of urging ask to generate described payment and ask.
4. method according to claim 1 and 2, is characterized in that, the service customer end in described mobile terminal also comprises before obtaining payment request:
Service customer end in mobile terminal receives the logging request of user's input;
User ID and the user cipher of described user is obtained according to described logging request; Described user ID is used in service server, identify described user;
Send described user ID and described user cipher to service server, with make service server according to described user ID and described user cipher the identity to described user verify, and generate login response after being proved to be successful;
What receive service server transmission logins successfully response.
5. method according to claim 4, is characterized in that, described user ID and the user cipher obtaining described user according to described logging request, comprising:
Login interface is obtained according to described logging request; Described login interface comprises user ID input frame and user cipher input frame;
Show described login interface;
Obtain information that described user inputs in described user ID input frame and as described user ID; And,
Obtain information that described user inputs in described user cipher input frame and as described user cipher.
6. a payment mechanism, is characterized in that, described device comprises:
First acquisition module, for obtaining payment request;
Judge module, for judging whether service customer end is provided with the secure payment interface between the payment client terminal in mobile terminal;
Generation module, for when being provided with described secure payment interface, generating according to described payment request the request of payment, and by described secure payment interface, described payment request being sent to payment client terminal;
First sending module, for sending payment verification information according to described payment request to service customer end;
Second sending module, for sending the result according to described payment verification information to payment client terminal;
3rd sending module, for described the result is sent to paying server, to make paying server complete payment according to described the result, and generates payment result;
4th sending module, for sending to service customer end by described payment result by the service server corresponding with service customer end;
Display module, for showing described payment result.
7. device according to claim 6, is characterized in that, described first acquisition module comprises:
First judging unit, for judging whether the inquiry request receiving user's input;
Transmitting element, for when receiving described inquiry request, sends to service server by described inquiry request;
First receiving element, shows described Query Result for the Query Result that sends according to described inquiry request;
Second receiving element, for receiving the described payment request of user according to the described Query Result input of display.
8. device according to claim 6, is characterized in that, described first acquisition module comprises:
Second judging unit, for judging whether that the expense of urging receiving service server transmission is asked;
Generation unit, for when urging expense to ask described in receiving, asks to generate described payment request according to described expense of urging.
9. the device according to claim 6 or 7, is characterized in that, described device also comprises:
First receiver module, for receiving the logging request of user's input;
Second acquisition module, for obtaining user ID and the user cipher of described user according to described logging request; Described user ID is used in service server, identify described user;
5th sending module, for sending described user ID and described user cipher to service server, with make service server according to described user ID and described user cipher the identity to described user verify, and generate login response after being proved to be successful;
Second receiver module, for receive service server send login successfully response.
10. device according to claim 9, is characterized in that, described second acquisition module comprises:
First acquiring unit, for obtaining login interface according to described logging request; Described login interface comprises user ID input frame and user cipher input frame;
Display unit, for showing described login interface;
Second acquisition unit, for obtaining information that described user inputs in described user ID input frame and as described user ID; And,
3rd acquiring unit, for obtaining information that described user inputs in described user cipher input frame and as described user cipher.
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| CN201510011180.8A CN104484798A (en) | 2015-01-09 | 2015-01-09 | Payment method and device |
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| CN201510011180.8A CN104484798A (en) | 2015-01-09 | 2015-01-09 | Payment method and device |
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