CN106157027A

CN106157027A - Method of payment, device and system

Info

Publication number: CN106157027A
Application number: CN201610602598.0A
Authority: CN
Inventors: 高毅; 王洪强; 席春艳
Original assignee: Beijing Xiaomi Mobile Software Co Ltd
Current assignee: Beijing Xiaomi Mobile Software Co Ltd
Priority date: 2016-07-27
Filing date: 2016-07-27
Publication date: 2016-11-23
Anticipated expiration: 2036-07-27
Also published as: CN106157027B

Abstract

The disclosure is directed to a kind of method of payment, device and system, method of payment includes: when receive by the oneth APP binding bank identifier carry out the trigger event paid time, sending the first payment request to a first server corresponding for APP, first pays the application identification information carrying the 2nd APP in request；When receiving second server and paying, according to second, the first response message that request returns, control the 2nd APP and generate payment affirmation prompting message, second payment request is that first server pays request generation according to first and sends to second server through first server, carries and use bank identifier to carry out the string code paid in an APP in the second payment request；When receiving the feedback information confirming to pay, perform the operation of payment transaction.The bank identifier using an APP binding in disclosure technical scheme needs to carry out payment affirmation in bank client when paying, and therefore payment transaction is safer.

Description

Method of payment, device and system

Technical field

It relates to mobile payment technical field, particularly relate to a kind of method of payment, device and system.

Background technology

Mobile payment is also referred to as mobile-phone payment, it is simply that allow user to use its mobile terminal such as mobile phone business to being consumed Product or service carry out a kind of method of service of account payment.Mobile payment is increasingly becoming the means of payment indispensable in people's life. Carrying out payment by Third-party payment platform, such as wechat, Alipay etc. is a kind of mobile payment mode, Third-party payment platform Agent as the payment and settlement service of both sides' transaction, it is desirable to provide payment services passage, and by Third-party payment platform Realize transaction and the function arranged is settled accounts in fund transfer.

In correlation technique, when user is paid by Third-party payment platform, need to provide at Third-party payment platform The information such as the identity card of oneself and bank identifier, the feelings that the information such as identity card and bank identifier of so there will be user is compromised Condition, thus reduce the safety of user's bank account, the property of user is caused unnecessary loss.

Summary of the invention

For overcoming problem present in correlation technique, the disclosure provides a kind of method of payment, device and system, to solve phase Technological deficiency in the technology of pass.

First aspect according to disclosure embodiment, it is provided that a kind of method of payment, applies in electronic payment devices, can wrap Include:

When receiving the triggering that the bank identifier bound by an APP (Application, application program) carries out paying During event, send the first payment request to a described first server corresponding for APP, described first payment request carries The application identification information of twoth APP corresponding with the bank identifier of a described APP binding；

Pay, according to second, the first response message that request returns when receiving described 2nd second server corresponding for APP Time, control the 2nd APP and generate payment affirmation prompting message, described second pays request for described first server according to described the One payment request generates and sends to described second server through described first server, takes in described second payment request Described bank identifier is used to carry out the string code paid with in a described APP；

When receiving according to when confirming the feedback information paid of described payment affirmation prompting message input, perform to pay and hand over Easy operation.

In one embodiment, described when receiving the feedback confirming to pay according to the input of described payment affirmation prompting message During information, perform the operation of payment transaction, it may include:

When receiving according to when confirming the feedback information paid of described payment affirmation prompting message input, to described second Server sends and confirms payment message, for described second server, described confirmation payment message is forwarded to described first service Device；

Receive the second response message that described first server returns according to described confirmation payment message；

According to described second response message, perform the operation of payment transaction.

In one embodiment, described method may also include that

Receive by a described APP operation interface trigger bind described bank identifier bind request, described in tie up Fixed request carries the application identification information of the 2nd APP corresponding to described bank identifier；

According to described bind request, perform the operation binding a described APP with described bank identifier.

In one embodiment, the described operation performing to bind a described APP with described bank identifier, it may include:

Send logging request to described second server, described logging request carries the mark letter of a described APP Breath, Bank Account Number corresponding to described bank identifier and login password；

When receiving three response message that described second server returns according to described logging request, show disbursement letter Breath arranges interface, and resolves from described 3rd response message in a described APP and use described bank identifier to carry out paying String code；

When receiving the payment information that described payment information arranges input in interface, send to described first server Become bind request with complete described oneth APP bind described bank identifier operation, described in complete bind request is carried State the payment cipher using the bank identifier of described binding to carry out paying in an APP, described string code, described 2nd APP should Use identification information.

Second aspect according to disclosure embodiment, it is provided that a kind of method of payment, applies in first server, can wrap Include:

Receiving the first payment request that described electronic payment devices sends, described first pays and carries described the in request The application identification information of the 2nd APP corresponding to bank identifier of one APP binding, payment；

Paying request according to described first, generate the second payment request, described second pays and carries described the in request One APP uses the string code that described bank identifier carries out paying, described payment；

Send described second to described 2nd second server corresponding for APP and pay request, for described second server Pay request according to described second to perform the amount of money of payment transaction and transfer accounts operation.

In one embodiment, described method may also include that

Finish receiving bind request；

From described complete bind request resolves a described APP uses the bank identifier of described binding carry out paying Payment cipher, described string code, the application identification information of described 2nd APP；

Store the payment cipher using the bank identifier of described binding to carry out paying in a described APP, described string code, institute State the application identification information of the 2nd APP.

The third aspect according to disclosure embodiment, it is provided that a kind of method of payment, applies on second server, can wrap Include:

Receive the second payment request that first server sends, described second payment request carries a described APP The described bank identifier of middle use carries out string code, the payment paid；

Twoth APP corresponding by described second server sends the first response message to described electronic payment devices, with Control the 2nd APP for described electronic payment devices according to described first response message and generate payment affirmation prompting message；

When receiving the confirmation payment message that described electronic payment devices sends according to described first response message, to institute State first server and send described confirmation payment message.

In one embodiment, described method comprises the steps that

Receive the described logging request that electronic payment devices sends, described logging request carries a described APP's The Bank Account Number corresponding to bank identifier of application identification information and a described APP binding and login password；

When determining that the Bank Account Number corresponding with the bank identifier of a described APP binding and login password are correct, generate A described APP use described bank identifier to carry out the string code paid；

Send the 3rd response message to described electronic payment devices, described 3rd response message carries described first APP use described bank identifier carry out the string code paid.

Fourth aspect according to disclosure embodiment, it is provided that a kind of payment mechanism, applies in electronic payment devices, device Comprise the steps that

First sending module, is configured as receiving and carries out, by the bank identifier of an APP binding, the triggering that pays During event, send the first payment request to a described first server corresponding for APP, described first payment request carries The application identification information of twoth APP corresponding with the bank identifier of a described APP binding；

First generation module, is configured as receiving described 2nd second server corresponding for APP and pays according to second During the first response message that request returns, controlling the 2nd APP and generate payment affirmation prompting message, described second pays request for institute State first server and pay request generation and through described first service according to described the first of described first sending module transmission Device sends to described second server, carries in a described APP and use described bank to mark in described second payment request Know the string code carrying out paying；

Payment transaction module, is configured as receiving the described payment affirmation generated according to described first generation module and carries When showing the feedback information confirming payment that message inputs, perform the operation of payment transaction.

In one embodiment, described payment transaction module comprises the steps that

First sends submodule, is configured as receiving the described payment affirmation generated according to described first generation module When confirming the feedback information paid of prompting message input, sends to described second server and confirms payment message, for described Described confirmation payment message is forwarded to described first server by second server；

First receives submodule, is configured to receive described first server and sends what submodule sent according to described first The second response message that described confirmation payment message returns；

Implementation sub-module, is configured to receive, according to described first, described second response message that submodule receives, holds The operation of row payment transaction.

In one embodiment, described device also includes:

First receiver module, is configured to receive the described bank of binding that the operation interface by a described APP is triggered The bind request of mark, carries the application identification information of the 2nd APP corresponding to described bank identifier in described bind request；

Binding module, is configured to the described bind request received according to described first receiver module, performs binding institute State the operation of an APP and described bank identifier.

In one embodiment, described binding module comprises the steps that

Log in submodule, be configured to send logging request to described second server, described logging request carries Bank Account Number that the identification information of a described APP, described bank identifier are corresponding and login password；

Submodule is set, is configured as receiving described second server according to described in the transmission of described login submodule During three response message that logging request returns, display payment information arranges interface, and resolves from described 3rd response message A described APP use described bank identifier to carry out the string code paid；

Binding submodule, is configured as receiving and described arrange the described payment information that submodule shows and arrange in interface During the payment information inputted, it is sent completely bind request to described first server and binds described silver to complete a described APP The operation of line identifier, described in complete bind request to carry in a described APP and use the bank identifier of described binding to carry out The payment cipher paid, described string code, the application identification information of described 2nd APP.

The 5th aspect according to disclosure embodiment, it is provided that a kind of payment mechanism, applies in first server, and device can Including:

Second receiver module, is configured to receive the first payment request that described electronic payment devices sends, and described first Payment request carries the application identification information of the 2nd APP corresponding to the bank identifier of a described APP binding, payment gold Volume；

Second generation module, is configured to the described first payment request received according to described second receiver module, raw Become the second payment request, described second payment request carries in a described APP and uses described bank identifier to pay String code, described payment；

Second sending module, is configured to send described second to described 2nd second server corresponding for APP and generates mould The described second payment request that block generates, pays request for described second server according to described second and performs payment transaction The amount of money is transferred accounts operation.

In one embodiment, described device may also include that

3rd receiver module, is configured to finish receiving bind request；

Second parsing module, is configured to described in described 3rd receiver module receives complete to resolve bind request A described APP uses payment cipher that the bank identifier of described binding carries out paying, described string code, described 2nd APP Application identification information；

Memory module, is configured to store use in the described APP that described second parsing module parsing obtains described The bank identifier of binding carries out the payment cipher paid, described string code, the application identification information of described 2nd APP.

The 6th aspect according to disclosure embodiment, it is provided that a kind of payment mechanism, applies on second server, described dress Put and comprise the steps that

4th receiver module, is configured to receive the second payment request that first server sends, and described second payment please Ask and carry string code, the payment using described bank identifier to carry out paying in a described APP；

3rd sending module, the 2nd APP being configured to described second server corresponding sets to described E-Payment Preparation send the first response message, controls the 2nd APP generation for described electronic payment devices according to described first response message Pay and confirm prompting message；

4th sending module, is configured as receiving described electronic payment devices and sends according to described 3rd sending module Described first response message send confirmation payment message time, to described first server send described confirmation payment message.

In one embodiment, described device includes:

5th receiver module, is configured to receive the described logging request that electronic payment devices sends, described logging request In carry the application identification information of the described APP Bank Account Number corresponding with the bank identifier of a described APP binding and Login password；

3rd generation module, is configured as determining in the described logging request that described 5th receiver module receives and carries The Bank Account Number corresponding to bank identifier of a described and described APP binding and login password correct time, generate described first APP use described bank identifier carry out the string code paid；

5th sending module, is configured to send the 3rd response message, described 3rd response to described electronic payment devices Carrying in message in a described APP uses described bank identifier to carry out the string code paid.

The 7th aspect according to disclosure embodiment, it is provided that a kind of payment mechanism, applies in electronic payment devices, described Device includes:

Processor；

For storing the memorizer of processor executable；

Wherein, described processor is configured to:

When receive carry out, by the bank identifier of an APP binding, the trigger event paid time, to the described oneth APP pair The first server answered sends the first payment request, carries and the silver of a described APP binding in described first payment request The application identification information of the 2nd APP that line identifier is corresponding；

Eighth aspect according to disclosure embodiment, it is provided that a kind of payment mechanism, applies in first server, described dress Put and include:

Processor；

For storing the memorizer of processor executable；

Wherein, described processor is configured to:

The 9th aspect according to disclosure embodiment, it is provided that a kind of payment mechanism, applies on second server, described dress Put and include:

Processor；

For storing the memorizer of processor executable；

Wherein, described processor is configured to:

The tenth aspect according to disclosure embodiment, it is provided that a kind of payment system, described system comprises the steps that E-Payment sets Standby, first server and second server；

Carry out, by the bank identifier of an APP application program binding, the triggering thing that pays when electronic payment devices receives During part, send the first payment request to described described first server corresponding for an APP, described first payment request is carried There is the application identification information of twoth APP corresponding with the bank identifier of a described APP binding；

After described first server receives described first payment request, pay request according to described first, generate second Pay request, described second payment request carries in a described APP and uses described bank identifier to carry out the string code paid；

Described first server sends described second to described 2nd second server corresponding for APP and pays request；

After described second server receives described second payment request, propped up to described electronics by the 2nd corresponding APP Dispensing apparatus sends the first response message；

Described electronic payment devices controls described 2nd APP and generates payment affirmation prompting letter according to described first response message Breath；

Described electronic payment devices receives the feedback letter confirming to pay according to the input of described payment affirmation prompting message During breath, perform the operation of payment transaction.

Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: when user is in electronic payment devices In an APP, such as: when the wechat in smart mobile phone using the bank identifier of binding pay, can be to the oneth APP pair The first server answered sends the first payment request, when first server receives the first payment request, can according to an APP with And bound bank identifier determines string code, generate the second payment request Concurrency and send the second payment to ask to second server, the Two servers return the first response message, user according to this second payment request to the 2nd APP that second server is corresponding The operation interface of the 2nd APP carries out payment affirmation, completes payment transaction operation, owing to user uses an APP binding Need when bank identifier pays in the 2nd APP, i.e. bank client, carry out payment affirmation, could complete to prop up in an APP Paying transactional operation, therefore payment transaction is safer；Further, since an APP and the 2nd APP may be located at different terminals and sets Standby upper, therefore add the safety of user's bank identifier, can avoid the property safety of user is caused unnecessary damage further Lose.

Further, when electronic payment devices receives the bind request of APP one bank identifier of binding, then can use System interface calls the 2nd APP that bank identifier is corresponding, and user can log in the 2nd second server corresponding for APP, and by second Server generates in an APP and uses described bank identifier to carry out the string code paid, and this string code is sent to the by second server The identification information of payment cipher, string code and the 2nd APP is sent first server by one APP, an APP can complete first The operation of APP one bank identifier of binding, when thus achieving one bank card of binding in an APP, need not input bank Card and the password of bank card, it is to avoid the identity that the information such as identity card and bank identifier of oneself is caused is provided in an APP The problem that card is compromised with bank identifier, adds the safety of user's bank identifier, optimizes the experience of user.

It should be appreciated that it is only exemplary and explanatory, not that above general description and details hereinafter describe The disclosure can be limited.

Accompanying drawing explanation

Accompanying drawing herein is merged in description and constitutes the part of this specification, it is shown that meet the enforcement of the present invention Example, and for explaining the principle of the present invention together with description.

Figure 1A is the flow chart according to a kind of method of payment shown in an exemplary embodiment.

Figure 1B is the scene graph one according to a kind of method of payment shown in an exemplary embodiment.

Fig. 1 C is the scene graph two according to a kind of method of payment shown in an exemplary embodiment.

Fig. 2 A is the flow chart according to a kind of method of payment shown in an exemplary embodiment one.

Fig. 2 B is according to the schematic diagram selecting bank card in a kind of method of payment shown in an exemplary embodiment one.

Fig. 2 C be according to shown in an exemplary embodiment one a kind of the 2nd APP operation interface on confirm pay show It is intended to.

Fig. 3 is the flow chart according to a kind of method of payment shown in an exemplary embodiment two.

Fig. 4 is the flow chart according to a kind of method of payment shown in an exemplary embodiment three.

Fig. 5 is the flow chart according to a kind of method of payment shown in an exemplary embodiment four.

Fig. 6 is the block diagram according to a kind of payment mechanism shown in an exemplary embodiment.

Fig. 7 is the block diagram according to another payment mechanism shown in an exemplary embodiment.

Fig. 8 is the block diagram according to a kind of payment mechanism shown in an exemplary embodiment.

Fig. 9 is the block diagram according to another payment mechanism shown in an exemplary embodiment.

Figure 10 is the block diagram according to a kind of payment mechanism shown in an exemplary embodiment.

Figure 11 is the block diagram according to another payment mechanism shown in an exemplary embodiment.

Figure 12 is according to a kind of block diagram being applicable to payment mechanism shown in an exemplary embodiment.

Detailed description of the invention

Here will illustrate exemplary embodiment in detail, its example represents in the accompanying drawings.Explained below relates to During accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represents same or analogous key element.Following exemplary embodiment Described in embodiment do not represent all embodiments consistent with the present invention.On the contrary, they are only with the most appended The example of the apparatus and method that some aspects that described in detail in claims, the present invention are consistent.

Figure 1A is the flow chart according to the method for payment shown in an exemplary embodiment, as shown in Figure 1A, this method of payment Can be applicable to electronic payment devices, such as, in smart mobile phone, panel computer, Intelligent bracelet, comprise the following steps:

In a step 101, when receive by the oneth APP binding bank identifier carry out the trigger event paid time, to Oneth first server corresponding for APP sends the first payment request.

In one embodiment, the first payment request carries twoth APP corresponding with the bank identifier of an APP binding Application identification information, and payment.

In one embodiment, bank identifier can be used for representing belonging to the Bank Account Number being used for paying for Bank Name etc. Banking system.

In one embodiment, an APP can be wechat, Alipay, the application programs such as software of calling a taxi；In another embodiment In, the 2nd APP can be the client application of bank client application program, such as industrial and commercial bank；In another embodiment In, first server is a server corresponding for APP, such as wechat server；In another embodiment, second server is 2nd server corresponding for APP, such as industrial and commercial bank's server.

In a step 102, when receiving the 2nd second server corresponding for APP according to the first of the second payment request return During response message, control the 2nd APP and generate payment affirmation prompting message.

In one embodiment, the second payment request pays request generation and through the first clothes for first server according to first Business device sends to second server, carries and use bank identifier to carry out the string paid in an APP in the second payment request Code.

In one embodiment, string code can be an identification information being made up of numeral and/or letter, is used for identifying currently The payment transaction performed is the payment using the account No. of binding to carry out in an APP.

In one embodiment, payment affirmation information can be text prompt information, and such as " wechat payment platform is asked Carry out delivery operation, PLSCONFM " text prompt information.

In step 103, when receiving according to when confirming the feedback information paid of payment affirmation prompting message input, hold The operation of row payment transaction.

In one embodiment, the feedback information that user can pay according to payment affirmation message input validation, such as, in display After " request of wechat payment platform carries out delivery operation, PLSCONFM " text prompt information, user can click on ACK button, with defeated Enter to confirm the feedback information paid, complete delivery operation.

In one exemplary embodiment, as shown in Figure 1B, in this exemplary embodiment, an APP and the 2nd APP runs In electronic payment devices 110, electronic payment devices 110 receives the carrying out of the bank's card number by an APP binding and pays Trigger event time, the first payment request, first server 120 can be sent to corresponding for an APP first server 120 When receiving the first payment request, can determine string code according to an APP and bound bank identifier, generating the second payment please Ask and the second payment request that sends is asked to second service according to this second payment to second server 130, second server 130 2nd APP of device 130 correspondence returns the first response message, and user can carry out payment affirmation on the operation interface of the 2nd APP, And payment affirmation result is sent to an APP after verification, complete payment transaction operation for an APP.

In one exemplary embodiment, as shown in Figure 1 C, in this exemplary embodiment, an APP runs on E-Payment and sets In standby 110, the 2nd APP runs in associate device 140, and an APP can be accessed by calling system interface and run on pass The 2nd APP in connection equipment 140, is received in electronic payment devices 110 in electronic payment devices 110 and is bound by an APP The carrying out of bank's card number pay trigger event time, first can be sent to a first server 120 corresponding for APP Pay request, when first server 120 receives the first payment request, can be true according to an APP and bound bank identifier Surely going here and there code, generate the second payment request Concurrency and send the second payment to ask to second server 130, second server 130 is according to this Second pays request the 2nd APP of operation in associate device 140 sends the first response message, and user can be the 2nd APP's Carry out payment affirmation on operation interface, and after verification payment affirmation result is sent to an APP, complete for an APP Become payment transaction operation.

In the present embodiment, user uses the bank identifier of an APP binding to need at the 2nd APP when paying, i.e. bank visitor Carrying out payment affirmation in the end of family, could complete payment transaction operation in an APP, therefore payment transaction is safer.

In one embodiment, when receiving according to when confirming the feedback information paid of payment affirmation prompting message input, Perform the operation of payment transaction, it may include:

When receiving according to when confirming the feedback information paid of payment affirmation prompting message input, send out to second server Send confirmation payment message, will confirm that payment message is forwarded to first server for second server；

Receive first server according to the second response message confirming that payment message returns；

According to the second response message, perform the operation of payment transaction.

In one embodiment, method may also include that

Receive the bind request of the binding bank identifier that the operation interface by an APP is triggered, bind request is carried There is the application identification information of the 2nd APP that bank identifier is corresponding；

According to bind request, the login interface of display the 2nd APP；

When receiving the log-on message of input in login interface, send logging request, logging request to second server In carry Bank Account Number corresponding to the identification information of an APP, bank identifier and login password；

When receiving three response message that second server returns according to logging request, solve from the 3rd response message Analyse and an APP uses bank identifier carry out the string code paid；

Display payment information arranges interface；

When receiving the payment information that payment information arranges input in interface, being sent completely binding to first server please Ask the operation of an APP binding bank identifier, completed bind request carries the bank using binding in an APP Mark carries out payment cipher, string code, the application identification information of the 2nd APP paid.

With specific embodiment, the technical scheme that disclosure embodiment provides is described below.

Fig. 2 A is the flow chart according to a kind of method of payment shown in an exemplary embodiment one, and Fig. 2 B is according to an example Property selects the schematic diagram of bank card in a kind of method of payment shown in embodiment one, Fig. 2 C is to show according to an exemplary embodiment one A kind of schematic diagram confirming to pay on the operation interface of the 2nd APP gone out；The present embodiment utilizes disclosure embodiment to provide Said method, carries out combining as a example by information completes payment transaction alternately by electronic payment devices, first server, second server Figure 1B and 1C is illustrative, and as shown in Figure 2 A, the method comprises the following steps:

In step 201, electronic payment devices reception carries out the triggering thing paid by bank's card number of an APP binding Part.

In one exemplary embodiment, seeing Figure 1B, in Semen setariae pays wallet, optional paying bank card, such as, select China Merchants Bank's deposit card.

In step 202., electronic payment devices sends the first payment request to a first server corresponding for APP.

In one embodiment, the first payment request carries twoth APP corresponding with the bank identifier of an APP binding Application identification information.Such as, during the first payment is asked, " wechat payment platform selects to use China Merchants Bank's deposit card tail portability Number be 0956 deposit card pay 99 yuan to Semen setariae store " payment information of implication.

In step 203, after first server receives the first payment request, according to this first payment request generation second Pay request.

In one embodiment, the second payment request carries use bank identifier in an APP identification information, an APP The string code that carries out paying, bank's card number, payment.Such as, during the second payment is asked, " wechat payment platform selects to make portability Paying 99 yuan with the deposit card that China Merchants Bank's deposit card tail number is 0956 to Semen setariae store, string code is wxzsyh0956 " implication Payment information.

In step 204, first server sends the second payment request to second server.

In step 205, second server receives the second payment request, and resolves disbursement letter from the second payment request Breath.

In one embodiment, payment information includes the information such as an APP mark, string code, bank's card number, payment.

In step 206, second server determines that the string code in the second payment request is the most correct, if the second payment please String code in asking is correct, then perform step 207, if the string code in the second payment request is incorrect, then flow process terminates.

In one embodiment, string code uses the information that bank's card number of binding pays, this string code in mark the oneth APP Generated by second server.

In one embodiment, second server can store an APP and the bank's card number that generated string code is identified.

In step 207, the first response message is sent to electronic payment devices by second server by the 2nd APP.

In one embodiment, seeing Figure 1B, an APP and the 2nd APP is all located in electronic payment devices, then the first response Message can be sent directly in electronic payment devices.

In one embodiment, seeing Fig. 1 C, an APP is positioned in electronic payment devices, and the 2nd APP is positioned at associate device On, then the 2nd APP can be by system interface to this first response message of electron correlation device forwards.

In a step 208, electronic payment devices controls the 2nd APP and controls the 2nd APP generation according to this first response message Payment affirmation prompting message.

In one embodiment, see Fig. 2 C, control, for electronic payment devices, the signal confirming to pay that the 2nd APP generates Figure.

In step 209, electronic payment devices receives the anti-of the confirmation payment according to the input of payment affirmation prompting message During feedforward information, send to second server and confirm payment message.

In one embodiment, the feedback information that user can pass through touch screen, physical button input validation pays, such as click on " confirming to pay " button in Fig. 2 C gets final product the feedback information that input validation pays.

In step 210, second server will confirm that payment message sends to first server.

In step 211, first server is according to confirming that payment message determines that second server completes to pay, to first APP sends the second response message.

In one embodiment, the second response message carries the instruction information completing to pay.

In the step 212, the APP in electronic payment devices shows the result paid.

In the present embodiment, as a user APP in electronic payment devices, such as: the wechat in smart mobile phone makes When paying with the bank identifier of binding, the first payment request, the first clothes can be sent to a first server corresponding for APP When business device receives the first payment request, string code can be determined according to an APP and bound bank identifier, generate second Paying request Concurrency send the second payment request to ask to second server to second server, second server according to this second payment The 2nd corresponding APP returns the first response message, and user can carry out payment affirmation on the operation interface of the 2nd APP, completes Payment transaction operates, owing to user uses the bank identifier of an APP binding to need at the 2nd APP when paying, i.e. and bank client Carrying out payment affirmation in end, could complete payment transaction operation in an APP, therefore payment transaction is safer；It addition, by May be located on different terminal units in an APP and the 2nd APP, therefore add the safety of user's bank identifier, can enter One step avoids causing the property safety of user unnecessary loss.

Fig. 3 is the flow chart according to a kind of method of payment shown in an exemplary embodiment two, and the present embodiment utilizes these public affairs Open the said method that embodiment provides, carry out an APP and silver with electronic payment devices, first server, second server As a example by information during the binding of row card is mutual illustrative, as it is shown on figure 3, the method comprises the following steps:

In step 301, electronic payment devices receives the binding bank identifier of the operation interface triggering by an APP Bind request.

In one embodiment, bind request carries the application identification information of the 2nd APP corresponding to bank identifier.

In step 302, electronic payment devices is according to bind request, the login interface of display the 2nd APP.

In one embodiment, an APP can call system interface, by title this system interface incoming of the 2nd APP, system The operation interface of the 2nd APP will be opened.In another embodiment, the 2nd APP also can pass through system interface, determines that request opens The identification information of the oneth APP of two APP, the title of the such as the oneth APP.

In step 303, when electronic payment devices receives the log-on message of input in login interface, to second server Send logging request.

In one embodiment, logging request carries the identification information of an APP, Bank Account Number that bank identifier is corresponding And login password.

In step 304, after second server receives logging request, determine the silver that bank identifier that user inputs is corresponding Row account and login password are the most correct；If the Bank Account Number that the bank identifier of user's input is corresponding and login password are correct, Then perform step 305, if the Bank Account Number corresponding to bank identifier of user's input and login password are incorrect, then perform step 310。

In step 305, second server returns threeth sound by the 2nd APP to electronic payment devices according to logging request Answer message.

In one embodiment, the 3rd response message carries and an APP uses bank identifier carry out the string code paid.

In one embodiment, second server returns threeth by the 2nd APP to electronic payment devices according to logging request Response message, including: second server sends the 3rd response message to the 2nd APP, after the 2nd APP receives the 3rd response message, 3rd response message is sent to an APP.

Within step 306, electronic payment devices control the oneth APP display payment information arranges interface.

In step 307, when electronic payment devices receives the payment information that payment information arranges in interface input, to the One server is sent completely bind request.

In one embodiment, complete bind request carries in an APP to use the bank identifier of binding to pay Payment cipher, string code, the application identification information of the 2nd APP.

In step 308, after first server has received bind request, from completing bind request resolves first The bank identifier using binding in APP carries out payment cipher, string code, the application identification information of the 2nd APP paid.

In a step 309, the payment using the bank identifier of binding to carry out paying in first server storage the oneth APP is close Code, string code, the application identification information of the 2nd APP.

In the step 310, display bank identifier or the incorrect information of login password, and close payment transaction Interface.

In the present embodiment, when electronic payment devices receives the bind request of APP one bank identifier of binding, then System interface can be used to call the 2nd APP that bank identifier is corresponding, and user can log in the 2nd second server corresponding for APP, and Being generated by second server uses bank identifier to carry out the string code paid in an APP, this string code is sent extremely by second server The identification information of payment cipher, string code and the 2nd APP is sent first server by the oneth APP, an APP can complete first The operation of APP one bank identifier of binding, when thus achieving one bank card of binding in an APP, need not input bank Card and the password of bank card, it is to avoid the identity that the information such as identity card and bank identifier of oneself is caused is provided in an APP The problem that card is compromised with bank identifier, adds the safety of user's bank identifier, optimizes the experience of user.

Fig. 4 is the flow chart according to a kind of method of payment shown in an exemplary embodiment three, as shown in Figure 4, the method Can apply in first server, such as, on wechat server, comprise the following steps:

In step 401, the first payment request that electronic payment devices sends is received.

In one embodiment, first the 2nd APP corresponding to bank identifier carrying an APP binding in request is paid Application identification information, payment.

In step 402, pay request according to first, generate the second payment request.

In step 403, the second payment request is sent to the 2nd second server corresponding for APP, for second server Pay request according to second to perform the amount of money of payment transaction and transfer accounts operation.

In the present embodiment, when first server receives the first payment request, can be according to an APP and bound silver Line identifier determines string code, generate the second payment request Concurrency send the second payment request to second server, owing to user uses the The bank identifier of one APP binding needs to carry out payment affirmation in the 2nd APP, i.e. bank client when paying, could be first Completing payment transaction operation in APP, therefore payment transaction is safer.

In one embodiment, method may also include that

Finish receiving bind request；

The bank identifier of binding is used to carry out payment cipher, the string paid from completing bind request resolves in an APP Code, the application identification information of the 2nd APP；

Store payment cipher, string code, the application of the 2nd APP using the bank identifier of binding to carry out paying in an APP Identification information.

Fig. 5 is the flow chart according to a kind of method of payment shown in an exemplary embodiment four, as it is shown in figure 5, the method Can apply on second server, comprise the following steps:

In step 501, the second payment request that first server sends is received.

In one embodiment, second pay request carries an APP uses bank identifier carry out paying string code, Payment.

In step 502, send the first response by the 2nd APP that second server is corresponding to electronic payment devices to disappear Breath, controls the 2nd APP for electronic payment devices according to the first response message and generates payment affirmation prompting message.

In step 503, when receiving the confirmation payment message that electronic payment devices sends according to the first response message, Send to first server and confirm payment message.

In the present embodiment, second server returns to the 2nd APP that second server is corresponding according to this second payment request First response message, user can carry out payment affirmation on the operation interface of the 2nd APP, completes payment transaction operation, due to User uses the bank identifier of an APP binding to need at the 2nd APP when paying, and i.e. carries out payment affirmation in bank client, Could complete payment transaction operation in an APP, therefore payment transaction is safer.

In one embodiment, method may also include that

Receive electronic payment devices send logging request, logging request carries an APP application identification information, The Bank Account Number corresponding with the bank identifier of an APP binding and login password；

When determining that the Bank Account Number corresponding with the bank identifier of an APP binding and login password are correct, generate first APP use bank identifier carry out the string code paid；

Send the 3rd response message to electronic payment devices, the 3rd response message carries use bank in an APP Mark carries out the string code paid.

Corresponding with the embodiment of aforementioned method of payment, the disclosure additionally provides the embodiment of payment mechanism.

Fig. 6 is the block diagram according to a kind of payment mechanism shown in an exemplary embodiment, and this device is applied to pay by mails On equipment, as shown in Figure 6, payment mechanism includes:

First sending module 610, is configured as receiving by touching that the bank identifier of an APP binding carries out paying During the event of sending out, send the first payment request to a first server corresponding for APP, the first payment request carries and first The application identification information of the 2nd APP corresponding to bank identifier of APP binding；

First generation module 620, being configured as receiving the 2nd second server corresponding for APP please according to the second payment When seeking the first response message of return, controlling the 2nd APP and generate payment affirmation prompting message, second pays request for first service The first payment request that device sends according to the first sending module 610 generates and sends to second server through first server , the second payment request carries and an APP uses bank identifier carry out the string code paid；

Payment transaction module 630, is configured as receiving the payment affirmation prompting generated according to the first generation module 620 When confirming the feedback information paid of message input, performs the operation of payment transaction.

Fig. 7 is the block diagram according to the another kind of payment mechanism shown in an exemplary embodiment, as it is shown in fig. 7, at above-mentioned Fig. 6 On the basis of shown embodiment, in one embodiment, payment transaction module 630 includes:

First sends submodule 631, is configured as receiving the payment affirmation generated according to the first generation module 620 and carries When showing the feedback information confirming payment that message inputs, send to second server and confirm payment message, for second server Will confirm that payment message is forwarded to first server；

First receives submodule 632, is configured to receive first server and sends really according to the first transmission submodule 631 Recognize the second response message that payment message returns；

Implementation sub-module 633, is configured to receive, according to first, the second response message that submodule 632 receives, performs The operation of payment transaction.

In one embodiment, device may also include that

First receiver module 640, is configured to the binding bank identifier of the reception operation interface triggering by an APP Bind request, carries the application identification information of the 2nd APP corresponding to bank identifier in bind request；

Binding module 650, is configured to the described bind request received according to the first receiver module 640, performs binding A described APP and the operation of described bank identifier.

In one embodiment, binding module 650 includes:

Log in submodule 651, be configured to send logging request to described second server, described logging request is carried There are Bank Account Number and login password that the identification information of a described APP, described bank identifier are corresponding；

Submodule 652 is set, is configured as receiving described second server and sends according to described login submodule 651 Described logging request return three response messages time, display payment information arranges interface, and from described 3rd response message The described APP of middle parsing use described bank identifier to carry out the string code paid；

Binding submodule 653, is configured as receiving the described described payment information arranging submodule 652 display and arranges During the payment information inputted in interface, it is sent completely bind request to complete a described APP binding to described first server The operation of described bank identifier, described in complete bind request to carry in a described APP and use the bank of described binding to mark Know and carry out the payment cipher paid, described string code, the application identification information of described 2nd APP.

About the device in above-described embodiment, the concrete mode that wherein modules, submodule perform to operate is having Close in the embodiment of the method and be described in detail, explanation will be not set forth in detail herein.

Fig. 8 is the block diagram according to a kind of payment mechanism shown in an exemplary embodiment, and this device is applied to first service On device, as shown in Figure 8, payment mechanism includes:

Second receiver module 810, is configured to receive the first payment request that electronic payment devices sends, and the first payment please The application identification information of the 2nd APP corresponding to the bank identifier of an APP binding, payment is carried in asking；

Second generation module 820, is configured to the first payment request received according to the second receiver module 810, generates Second payment request, second pays string code, the payment gold carrying use bank identifier in an APP in request and carrying out paying Volume；

Second sending module 830, is configured to send the second generation module 820 to the 2nd second server corresponding for APP The the second payment request generated, pays request for second server according to second and performs the amount of money of payment transaction and transfer accounts operation.

Fig. 9 is the block diagram according to the another kind of payment mechanism shown in an exemplary embodiment, as it is shown in figure 9, at above-mentioned Fig. 8 On the basis of shown embodiment, in one embodiment, device also includes:

3rd receiver module 840, is configured to finish receiving bind request；

Second parsing module 850, is configured to complete to resolve bind request the from what the 3rd receiver module 840 received The bank identifier using binding in one APP carries out payment cipher, string code, the application identification information of the 2nd APP paid；

Memory module 860, is configured to store the second parsing module 850 and resolves use binding in the APP obtained Bank identifier carries out payment cipher, string code, the application identification information of the 2nd APP paid.

Figure 10 is the block diagram according to a kind of payment mechanism shown in an exemplary embodiment, and this device is applied to second service On device, as shown in Figure 10, payment mechanism includes:

4th receiver module 1010, is configured to receive the second payment request that first server sends, and the second payment please Asking to carry uses bank identifier to carry out string code, the payment paid in an APP；

3rd sending module 1020, the 2nd APP being configured to second server corresponding sends out to electronic payment devices Send the first response message, control the 2nd APP generation payment affirmation prompting for electronic payment devices according to the first response message and disappear Breath；

4th sending module 1030, is configured as receiving electronic payment devices and sends according to the 3rd sending module 1020 First response message send confirmation payment message time, to first server send confirm payment message.

Figure 11 is the block diagram according to the another kind of payment mechanism shown in an exemplary embodiment, as shown in figure 11, above-mentioned On the basis of embodiment shown in Figure 10, in one embodiment, device may also include that

5th receiver module 1040, is configured to receive the logging request that electronic payment devices sends, takes in logging request The Bank Account Number corresponding with the bank identifier that an APP binds with the application identification information of an APP and login password；

3rd generation module 1050, is configured as determining in the logging request that the 5th receiver module 1040 receives and carries Correct with the Bank Account Number corresponding to bank identifier of an APP binding and login password time, generate and an APP use bank Mark carries out the string code paid；

5th sending module 1060, is configured to send the 3rd response message, the 3rd response message to electronic payment devices In carry and an APP use bank identifier carry out the string code that pays.

Corresponding with the embodiment of aforementioned method of payment and payment mechanism, the disclosure additionally provides the enforcement of payment system Example, the payment system provided in the present embodiment includes electronic payment devices, first server and second server；When electronics props up Dispensing apparatus receives when carrying out, by the bank identifier of an APP application program binding, the trigger event paid, to the oneth APP pair The first server answered sends the first payment request, carries and the bank identifier pair of APP binding in the first payment request The application identification information of the 2nd APP answered；After first server receives the first payment request, pay request according to first, raw Become the second payment request, the second payment request carries and an APP uses bank identifier carry out the string code paid；First clothes Business device sends the second payment request to the 2nd second server corresponding for APP；After second server receives the second payment request, The first response message is sent to electronic payment devices by the 2nd corresponding APP；Electronic payment devices controls the 2nd APP according to the One response message generates payment affirmation information；Electronic payment devices receives and inputs really according to payment affirmation prompting message When recognizing the feedback information of payment, perform the operation of payment transaction.The system that disclosure embodiment provides can be implemented in user to be made Needing to carry out payment affirmation in bank client when paying with the bank identifier of an APP binding, therefore payment transaction is more Safety.

Figure 12 is the block diagram according to a kind of register device being applicable to third party's client shown in an exemplary embodiment. Such as, device 1200 can be smart mobile phone, panel computer etc..

With reference to Figure 12, device 1200 can include following one or more assembly: processes assembly 1202, memorizer 1204, Power supply module 1206, multimedia groupware 1208, audio-frequency assembly 1210, the interface 1212 of input/output (I/O), sensor cluster 1214, and communications component 1216.

Process assembly 1202 and generally control the integrated operation of device 1200, such as with display, call, data communication, The operation that camera operation and record operation are associated.Treatment element 1202 can include that one or more processor 1220 performs Instruction, to complete all or part of step of above-mentioned method.Additionally, process assembly 1202 can include one or more mould Block, it is simple to process between assembly 1202 and other assemblies is mutual.Such as, processing component 1202 can include multi-media module, With facilitate multimedia groupware 1208 and process between assembly 1202 mutual.

Memorizer 1204 is configured to store various types of data to support the operation at equipment 1200.These data Example include on device 1200 operation any application program or the instruction of method, contact data, telephone book data, Message, picture, video etc..Memorizer 1204 can by any kind of volatibility or non-volatile memory device or they Combination realizes, such as static RAM (SRAM), Electrically Erasable Read Only Memory (EEPROM), erasable can Program read-only memory (EPROM), programmable read only memory (PROM), read only memory (ROM), magnetic memory, flash memory Reservoir, disk or CD.

The various assemblies that electric power assembly 1206 is device 1200 provide electric power.Electric power assembly 1206 can include power management System, one or more power supplys, and other generate, manage and distribute, with for device 1200, the assembly that electric power is associated.

The screen of one output interface of offer that multimedia groupware 1208 is included between device 1200 and user.At some In embodiment, screen can include liquid crystal display (LCD) and touch panel (TP).If screen includes touch panel, screen May be implemented as touch screen, to receive the input signal from user.Touch panel includes one or more touch sensor With the gesture on sensing touch, slip and touch panel.Touch sensor can not only sense touch or the border of sliding action, But also detect the persistent period relevant to touch or slide and pressure.In certain embodiments, multimedia groupware 1208 Including a front-facing camera and/or post-positioned pick-up head.When equipment 1200 is in operator scheme, such as screening-mode or video mode Time, front-facing camera and/or post-positioned pick-up head can receive the multi-medium data of outside.Each front-facing camera and rearmounted shooting Head can be a fixing optical lens system or have focal length and optical zoom ability.

Audio-frequency assembly 1210 is configured to output and/or input audio signal.Such as, audio-frequency assembly 1210 includes a wheat Gram wind (MIC), when device 1200 is in operator scheme, during such as call model, logging mode and speech recognition mode, mike quilt It is configured to receive external audio signal.The audio signal received can be further stored at memorizer 1204 or via communication Assembly 1216 sends.In certain embodiments, audio-frequency assembly 1210 also includes a speaker, is used for exporting audio signal.

I/O interface 1212 provides interface, above-mentioned peripheral interface module for processing between assembly 1202 and peripheral interface module Can be keyboard, put striking wheel, button etc..These buttons may include but be not limited to: home button, volume button, start button and Locking press button.

Sensor cluster 1214 includes one or more sensor, for providing the state of various aspects to comment for device 1200 Estimate.Such as, what sensor cluster 1214 can detect equipment 1200 opens/closed mode, the relative localization of assembly, such as group Part is display and the keypad of device 1200, and sensor cluster 1214 can also detect device 1200 or 1,200 1 groups of device The position change of part, the presence or absence that user contacts with device 1200, device 1200 orientation or acceleration/deceleration and device The variations in temperature of 1200.Sensor cluster 1214 can include proximity transducer, is configured to do not having any physics to connect The existence of object near detection when touching.Sensor cluster 1214 can also include optical sensor, as CMOS or ccd image sense Device, for using in imaging applications.In certain embodiments, this sensor cluster 1214 can also include acceleration sensing Device, gyro sensor, Magnetic Sensor, pressure transducer or temperature sensor.

Communications component 1216 is configured to facilitate the communication of wired or wireless mode between device 1200 and other equipment.Dress Put 1200 and can access wireless network based on communication standard, such as WiFi, 2G or 3G, or combinations thereof.Exemplary at one In embodiment, broadcast singal or broadcast that communication component 1216 receives from external broadcasting management system via broadcast channel are relevant Information.In one exemplary embodiment, communication component 1216 also includes near-field communication (NFC) module, to promote junction service. Such as, can be based on RF identification (RFID) technology in NFC module, Infrared Data Association (IrDA) technology, ultra broadband (UWB) skill Art, bluetooth (BT) technology and other technologies realize.

In the exemplary embodiment, device 1200 can be by one or more application specific integrated circuits (ASIC), numeral Signal processor (DSP), digital signal processing appts (DSPD), PLD (PLD), field programmable gate array (FPGA), controller, microcontroller, microprocessor or other electronic components realize, be used for performing said method.

In the exemplary embodiment, a kind of non-transitory computer-readable recording medium including instruction, example are additionally provided As included the memorizer 1204 of instruction, above-mentioned instruction can have been performed said method by the processor 1220 of device 1200.Example As, non-transitory computer-readable recording medium can be ROM, random access memory (RAM), CD-ROM, tape, floppy disk and Optical data storage devices etc..

It is applicable to the concrete structure of first server and second server and can be found in the block diagram shown in Figure 12 and corresponding Describing, I will not elaborate.

Those skilled in the art, after considering description and putting into practice disclosure disclosed herein, will readily occur to its of the disclosure Its embodiment.The application is intended to any modification, purposes or the adaptations of the disclosure, these modification, purposes or Person's adaptations is followed the general principle of the disclosure and includes the undocumented common knowledge in the art of the disclosure Or conventional techniques means.Description and embodiments is considered only as exemplary, and the true scope of the disclosure and spirit are by following Claim is pointed out.

It should be appreciated that the disclosure is not limited to precision architecture described above and illustrated in the accompanying drawings, and And various modifications and changes can carried out without departing from the scope.The scope of the present disclosure is only limited by appended claim.

Claims

1. a method of payment, it is characterised in that apply in electronic payment devices, described method includes:

When receive by the oneth APP application program binding bank identifier carry out the trigger event paid time, to described first First server corresponding for APP sends the first payment request, carries and a described APP binding in described first payment request The application identification information of the 2nd APP corresponding to bank identifier；

When receiving described 2nd second server corresponding for APP and paying, according to second, the first response message that request returns, Controlling the 2nd APP and generate payment affirmation prompting message, described second pays request for described first server according to described first Payment request generates and sends to described second server through described first server, carries in described second payment request Having in a described APP uses described bank identifier to carry out the string code paid；

When receiving according to when confirming the feedback information paid of described payment affirmation prompting message input, perform payment transaction Operation.

Method the most according to claim 1, it is characterised in that described when receiving according to described payment affirmation prompting message When confirming the feedback information paid of input, performs the operation of payment transaction, including:

When receiving according to when confirming the feedback information paid of described payment affirmation prompting message input, to described second service Device sends and confirms payment message, for described second server, described confirmation payment message is forwarded to described first server；

Method the most according to claim 1, it is characterised in that described method also includes:

Receiving the bind request binding described bank identifier that the operation interface by a described APP is triggered, described binding please The application identification information of the 2nd APP corresponding to described bank identifier is carried in asking；

Method the most according to claim 1, it is characterised in that described execution is bound a described APP and marked with described bank The operation known, including:

Send logging request to described second server, described logging request carries the identification information of a described APP, institute State Bank Account Number corresponding to bank identifier and login password；

When receiving three response message that described second server returns according to described logging request, display payment information sets Put interface, and resolve in a described APP from described 3rd response message and use described bank identifier to carry out the string code paid；

When receiving the payment information that described payment information arranges input in interface, it is sent completely to described first server and ties up Fixed request, binds the operation of described bank identifier completing a described APP, described in complete bind request carries described the The bank identifier using described binding in one APP carries out the payment cipher paid, described string code, the application mark of described 2nd APP Knowledge information.

5. a method of payment, it is characterised in that apply in first server, described method includes:

Receive the first payment request that described electronic payment devices sends, described first payment request carries described first The application identification information of the 2nd APP corresponding to bank identifier of APP binding, payment；

According to described first payment request, generate the second payment request, described second payment request carries a described APP The described bank identifier of middle use carries out the string code paid, described payment；

Send described second to described 2nd corresponding for APP second server and pay request, for described second server according to Described second pays request performs the amount of money of payment transaction and transfers accounts operation.

Method the most according to claim 5, it is characterised in that described method also includes:

Finish receiving bind request；

From described complete bind request to resolve in a described APP use the bank identifier of described binding to carry out the payment paid Password, described string code, the application identification information of described 2nd APP；

Store the payment cipher using the bank identifier of described binding to carry out paying in a described APP, described string code, described The application identification information of two APP.

7. a method of payment, it is characterised in that apply on second server, described method includes:

Receive the second payment request that first server sends, described second payment request carries in a described APP and makes String code, the payment paid is carried out with described bank identifier；

Twoth APP corresponding by described second server sends the first response message to described electronic payment devices, for institute State electronic payment devices and control the 2nd APP generation payment affirmation prompting message according to described first response message；

When receiving the confirmation payment message that described electronic payment devices sends according to described first response message, to described the One server sends described confirmation payment message.

Method the most according to claim 7, it is characterised in that described method includes:

Receive the described logging request that electronic payment devices sends, described logging request carries the application of a described APP The Bank Account Number corresponding to bank identifier of identification information and a described APP binding and login password；

When determining that the Bank Account Number corresponding with the bank identifier of a described APP binding and login password are correct, generate described Oneth APP use described bank identifier carry out the string code paid；

Send the 3rd response message to described electronic payment devices, described 3rd response message carries in a described APP Described bank identifier is used to carry out the string code paid.

9. a payment mechanism, it is characterised in that apply in electronic payment devices, described device includes:

First sending module, is configured as receiving and carries out, by the bank identifier of an APP binding, the trigger event that pays Time, send the first payment request to a described first server corresponding for APP, described first payment request carries and institute State the application identification information of the 2nd APP corresponding to bank identifier of an APP binding；

First generation module, is configured as receiving described 2nd second server corresponding for APP and pays request according to second During the first response message returned, controlling the 2nd APP and generate payment affirmation prompting message, described second pays request for described the The described first payment request that one server sends according to described first sending module generates and sends out through described first server Deliver to described second server, described second payment request carries in a described APP and uses described bank identifier to enter The string code that row pays；

Payment transaction module, is configured as receiving the described payment affirmation prompting generated according to described first generation module and disappears When confirming the feedback information paid of breath input, performs the operation of payment transaction.

Device the most according to claim 9, it is characterised in that described payment transaction module includes:

First sends submodule, is configured as receiving the described payment affirmation prompting generated according to described first generation module When confirming the feedback information paid of message input, sends to described second server and confirms payment message, for described second Described confirmation payment message is forwarded to described first server by server；

First receives submodule, is configured to receive described first server and sends described in submodule transmission according to described first Confirm the second response message that payment message returns；

Implementation sub-module, is configured to receive, according to described first, described second response message that submodule receives, performs to prop up Pay the operation of transaction.

11. devices according to claim 9, it is characterised in that described device also includes:

First receiver module, is configured to receive the described bank identifier of binding that the operation interface by a described APP is triggered Bind request, described bind request carries the application identification information of the 2nd APP corresponding to described bank identifier；

Binding module, is configured to the described bind request received according to described first receiver module, performs binding described the One APP and the operation of described bank identifier.

12. devices according to claim 11, it is characterised in that described binding module includes:

Log in submodule, be configured to send logging request to described second server, described logging request carry described Bank Account Number that the identification information of the oneth APP, described bank identifier are corresponding and login password；

Submodule is set, is configured as receiving the described login that described second server sends according to described login submodule During three response message that request returns, display payment information arranges interface, and resolves described from described 3rd response message Oneth APP use described bank identifier carry out the string code paid；

Binding submodule, is configured as receiving and described arrange the described payment information that submodule show and arrange input in interface Payment information time, to described first server be sent completely bind request with complete described oneth APP bind described bank mark The operation known, described in complete bind request to carry in a described APP and use the bank identifier of described binding to pay Payment cipher, described string code, the application identification information of described 2nd APP.

13. 1 kinds of payment mechanisms, it is characterised in that apply in first server, described device includes:

Second receiver module, is configured to receive the first payment request that described electronic payment devices sends, and described first pays Request carries the application identification information of the 2nd APP corresponding to the bank identifier of a described APP binding, payment；

Second generation module, is configured to described first pay request according to what described second receiver module received, generates the Two pay request, carry in a described APP and use described bank identifier to carry out the string paid in described second payment request Code, described payment；

Second sending module, is configured to send described second generation module to described 2nd second server corresponding for APP raw Described second become pays request, pays request for described second server according to described second and performs the amount of money of payment transaction Transfer accounts operation.

14. devices according to claim 13, it is characterised in that described device also includes:

3rd receiver module, is configured to finish receiving bind request；

Second parsing module, is configured to from completing described in described 3rd receiver module receives to resolve bind request described The bank identifier using described binding in oneth APP carries out the payment cipher paid, described string code, the application of described 2nd APP Identification information；

Memory module, is configured to store described second parsing module and resolves in the described APP obtained and use described binding Bank identifier carry out the payment cipher paid, described string code, the application identification information of described 2nd APP.

15. 1 kinds of payment mechanisms, it is characterised in that apply on second server, described device includes:

4th receiver module, is configured to receive the second payment request that first server sends, and described second pays in request Carry string code, the payment using described bank identifier to carry out paying in a described APP；

3rd sending module, the 2nd APP being configured to described second server corresponding sends out to described electronic payment devices Send the first response message, control the 2nd APP for described electronic payment devices according to described first response message and generate payment really Recognize prompting message；

4th sending module, is configured as receiving the institute that described electronic payment devices sends according to described 3rd sending module When stating the confirmation payment message that the first response message sends, send described confirmation payment message to described first server.

16. devices according to claim 15, it is characterised in that described device includes:

5th receiver module, is configured to receive the described logging request that electronic payment devices sends, takes in described logging request The Bank Account Number corresponding with the bank identifier of a described APP binding with the application identification information of a described APP and login Password；

3rd generation module, is configured as determining the institute carried in the described logging request that described 5th receiver module receives When stating correct with the Bank Account Number corresponding to bank identifier of a described APP binding and login password, generate in a described APP Described bank identifier is used to carry out the string code paid；

5th sending module, is configured to send the 3rd response message, described 3rd response message to described electronic payment devices In carry in a described APP and use described bank identifier to carry out the string code paid.

17. 1 kinds of payment mechanisms, it is characterised in that apply in electronic payment devices, described device includes:

Processor；

For storing the memorizer of processor executable；

Wherein, described processor is configured to:

When receive by the oneth APP binding bank identifier carry out the trigger event paid time, corresponding to a described APP First server sends the first payment request, carries and bank's mark of a described APP binding in described first payment request Know the application identification information of the 2nd corresponding APP；

18. 1 kinds of payment mechanisms, it is characterised in that apply in first server, described device includes:

Processor；

For storing the memorizer of processor executable；

Wherein, described processor is configured to:

19. 1 kinds of payment mechanisms, it is characterised in that apply on second server, described device includes:

Processor；

For storing the memorizer of processor executable；

Wherein, described processor is configured to:

20. 1 kinds of payment systems, it is characterised in that described system includes: electronic payment devices, first server and second service Device；

Carry out, by the bank identifier of an APP application program binding, the trigger event that pays when electronic payment devices receives Time, send the first payment request to described described first server corresponding for an APP, described first payment request carries The application identification information of twoth APP corresponding with the bank identifier of a described APP binding；

After described first server receives described first payment request, pay request according to described first, generate second and pay Request, carries in a described APP in described second payment request and uses described bank identifier to carry out the string code paid；

After described second server receives described second payment request, set to described E-Payment by the 2nd corresponding APP Preparation send the first response message；

Described electronic payment devices controls described 2nd APP and generates payment affirmation information according to described first response message；

Described electronic payment devices receives according to when confirming the feedback information paid of described payment affirmation prompting message input, Perform the operation of payment transaction.