CN106934607A

CN106934607A - A kind of method of payment, payment system service end and payment devices

Info

Publication number: CN106934607A
Application number: CN201511031333.1A
Authority: CN
Inventors: 陈怀友
Original assignee: Huawei Technologies Co Ltd
Current assignee: Huawei Technologies Co Ltd
Priority date: 2015-12-31
Filing date: 2015-12-31
Publication date: 2017-07-07

Abstract

The embodiment of the invention provides a kind of method of payment, payment system service end and payment devices, method of payment includes that payment system service end receives the payment request information that payment devices send, the payment system service end can carry out pretreatment operation according to the payment request information, the payment system service end determines the amount of money of the payment account remaining sum more than or equal to transaction funds by the pretreatment operation, then the payment system service end generates pre-processed results information, the pre-processed results information is sent to the payment devices by the payment system service end.It can be seen that, even if using the method for payment payment request information input error shown in the present embodiment, user can determine whether the beneficiary is correct according to the pre-processed results information shown by the payment devices, the safety of user's fund effectively is improved, and is effectively reduced the overhead for safeguarding the session between the payment devices and the payment system service end.

Description

A kind of method of payment, payment system service end and payment devices

Technical field

The present invention relates to third-party payment system, more particularly to a kind of method of payment, payment system clothes Business end and payment devices.

Background technology

In third-party payment system, user can be paid by payment client terminal, specific to pay Mode is that user is input into payment request information by payment client terminal, and payment request information can be beneficiary Cell-phone number, beneficiary trade company, the code of mechanism, payment, pay personal verification code (English Literary full name：Personal Identification Number, English abbreviation：PIN).Payment client terminal can be logical Payment request information is submitted to short message service center's (English full name by the mode for crossing Encrypted short message：Short Message Service Center, English abbreviation：SMSC), short message service center can be by payment request information It is forwarded to payment system to be processed, payment system pays the payment that payment client terminal request pays Performed after paying to beneficiary, and payment system, can send short breath to notify to pay visitor to payment client terminal Family end payment result.

The defect of prior art is that user is input into the payment request information by the payment client terminal When, easy input error, for example, the cell-phone number of the beneficiary of user input mistake, have input mistake Beneficiary trade company and mechanism code, then payment system according to mistake payment request information then can be branch The account that the amount of money is transferred to mistake is paid, so that for user brings loss.

The content of the invention

The embodiment of the invention provides one kind can be on the premise of overhead be reduced, it is to avoid provide transaction Gold pays method of payment, payment system service end and the payment devices of the beneficiary of mistake.

Embodiment of the present invention first aspect provides a kind of method of payment, including：

Payment system service end receives the payment request information that payment devices send, the payment request information For asking to pay beneficiary by transaction funds；

The payment request information includes as shown below one or more：

Beneficiary cell-phone number, beneficiary trade company code, beneficiary Institution Code, the amount of money of transaction funds, Payment cipher, User logs in account name；

Specifically, the payment system service end receives described payment by short message service center SMSC asking Information, or, the payment system service end receives the payment request information by TCP/IP networks；

More specifically, the payment system service end is decoded to the payment request information, so that will The decoded payment request information is put into treatment queue queuing treatment；

The payment system service end carries out pretreatment operation according to the payment request information；

The payment system service end by the pretreatment operation determine payment account remaining sum whether be more than or Equal to the amount of money of transaction funds, if so, the then payment system service end generation pre-processed results information；

Optionally, the payment system service end is reserved the transaction funds；

Wherein, the pre-processed results information is corresponding with the beneficiary, and the pre-processed results information For asking the payment devices to determine whether to pay the beneficiary by the transaction funds；

The payment system service end sets up USSD sessions with the payment devices；

The payment system service end is based on unstructured supplementary service data USSD sessions by the pre- place Reason object information is sent to the payment devices；

Optionally, if the payment system service end determines payment account remaining sum by the pretreatment operation Less than the amount of money of the transaction funds, then the payment system service end is to payment devices transmission first Feedback message；

Wherein, first feedback message is used to notify that payment account remaining sum is less than described in the payment devices The amount of money of the transaction funds, so that beneficiary cannot be paid by the amount of money that the payment account is stored.

Using this kind of implementation so that even if user please by the payment that the payment devices are input into Information errors are sought, then user can be according to the pre-processed results information shown by the payment devices determines Whether beneficiary is correct, it is to avoid transaction funds are paid the beneficiary of mistake because of user input mistake The appearance of situation, effectively reduces the risk in payment process, improves the safety of user's fund.

And the payment request information is sent to payment system service end by the payment devices first, and The pre-processed results information that the payment system service end sends is received afterwards, it is seen then that the payment request letter The transmission and the reception of the pre-processed results information of breath are timesharing, i.e., described payment devices are by the branch Pay after solicited message is sent to payment system service end, the payment devices and the payment system service end Between session can interrupt, now payment devices described in Maintenance free and the payment system service end it Between session so that between the payment devices and the payment system service end without maintain it is more long The session of time, is effectively reduced between the maintenance payment devices and the payment system service end The overhead of session.

Because the payment system service end can carry out pretreatment operation according to the payment request information, only Have in the case of the amount of money of the payment account remaining sum more than or equal to transaction funds, the payment system service End can just generate pre-processed results information, and then proceed payment flow, it is to avoid if because of payment account When remaining sum is less than the amount of money of transaction funds, the payment system service end proceeds resource during payment flow Waste, effectively save resource.

Because the payment system service end receives the payment request information and sends the pre-processed results letter Breath is nonsynchronous, even if then causing that the payment system service end can be normal when system is busy Receive the payment request information, it is also possible to which the pre-processed results information is sent to payment devices.

With reference to the embodiment of the present invention in a first aspect, the first implementation of embodiment of the present invention first aspect In,

The pretreatment operation also includes as shown below one or more：

The payment devices are authenticated, the beneficiary is authenticated and are determined with the transaction money Whether the amount of money of gold is more than or equal to trading limit；

Determine that the payment devices are legal in the payment system service end, and/or, the beneficiary is legal, And/or, less than in the case of the trading limit, the payment system service end is generated the transaction funds The pre-processed results information.

With reference to embodiment of the present invention first aspect or the first realization side of embodiment of the present invention first aspect Formula, in second implementation of embodiment of the present invention first aspect,

The payment system service end is sent to the pre-processed results information of the payment devices includes the One prompt message；

Wherein, first prompt message is used to point out user input configured information, the configured information to use In indicating whether to pay the beneficiary by the transaction funds；

Will be described pre- based on unstructured supplementary service data USSD sessions in the payment system service end Processing result information is sent to after the payment devices, and the payment system service end receives the payment The configured information that equipment sends；

If the configured information is used to indicate to pay the beneficiary, the branch by the transaction funds Pay server of the system and pay the beneficiary by the transaction funds；

In the case where the configured information is used to indicate to pay the beneficiary by the transaction funds, The payment system service end after the beneficiary is paid by the transaction funds, the payment system Service end can generate the second feedback message；

Second feedback message notifies that the payment devices will be described for the payment system service end Transaction funds pay the beneficiary.

Or, if the configured information is used to indicate not pay the beneficiary by the transaction funds, Then the payment system service end Cancels Transaction.

It is used for the situation for indicating that the transaction funds are not paid the beneficiary in the configured information Under, after the payment system service end Cancels Transaction, the payment system service end can generate the 3rd feedback Message；

3rd feedback message notifies that the payment devices have cancelled friendship for the payment system service end Easily；

The payment system service end is after it is determined that Cancel Transaction, you can the transaction funds that will have been reserved are returned It is the payment devices.

In this kind of implementation, because user can according to the processing result information to confirm the beneficiary, And then transaction funds are paid wrong beneficiary by effective avoiding, and effectively avoid third party's branch The loss brought by user input mistake during paying.

With reference to second implementation of embodiment of the present invention first aspect, embodiment of the present invention first aspect The third implementation in,

After the payment system service end receives the configured information that the payment devices send, if described Payment system service end determines to continuously receive for indicating not pay the gathering by the transaction funds The number of times of the configured information of side is more than preset value, then the payment system service end freezes payment devices Payment account.

In this kind of implementation, the payment system service end can freeze the continuous payment for cancelling payment and set It is standby such that it is able to effective to avoid malicious third parties from passing through continuously to Cancel Transaction to obtain a large amount of beneficiaries Phone number, effectively ensured the safety of beneficiary information.

With reference to embodiment of the present invention first aspect or the first realization side of embodiment of the present invention first aspect Formula, in the 4th kind of implementation of embodiment of the present invention first aspect,

The pre-processed results information includes the second prompt message, and second prompt message is used to point out to use Family is input into payment cipher, and second prompt message is additionally operable to prompting user input and is used to indicate not by institute State the configured information that transaction funds pay the beneficiary；

Will be described pre- based on unstructured supplementary service data USSD sessions in the payment system service end Processing result information is sent to after the payment devices, and the payment system service end receives the payment The payment cipher that equipment sends；

If the payment cipher is correct, the transaction funds are paid institute by the payment system service end Beneficiary is stated, or, if the payment cipher mistake, the payment system service end Cancels Transaction；

Or,

Will be described pre- based on unstructured supplementary service data USSD sessions in the payment system service end Processing result information is sent to after the payment devices, and the payment system service end receives the payment The configured information that the transaction funds are not paid the beneficiary for instruction that equipment sends, Then the payment system service end Cancels Transaction.

In this kind of implementation, because payment devices are after the pre-processed results information is received, Yong Huxu Payment cipher is input into by the payment devices, in the case of the payment cipher of only user input is correct, Transaction funds can just be paid beneficiary by payment system service end, so as to effectively ensure payment process In safety, effectively avoid by transaction funds pay mistake beneficiary.

With reference to the 4th kind of implementation of embodiment of the present invention first aspect, embodiment of the present invention first aspect The 5th kind of implementation in,

The payment system service end is based on unstructured supplementary service data USSD sessions by the pre- place Reason object information is sent to after the payment devices, if the payment system service end determines continuous reception To the payment cipher of mistake and/or for indicating not pay the beneficiary by the transaction funds The number of times of the configured information is more than preset value, then the payment system service end freezes the branch of payment devices Pay a bill family.

In this kind of implementation, the payment system service end can be freezed continuous that payment cipher input is wrong Cancel the payment devices for paying by mistake and/or continuously such that it is able to effective to avoid malicious third parties from passing through continuously Cancel Transaction to obtain the phone number of a large amount of beneficiaries, effectively ensured the safety of beneficiary information.

With reference to embodiment of the present invention first aspect or the first realization side of embodiment of the present invention first aspect Formula, in the 6th kind of implementation of embodiment of the present invention first aspect,

The payment system service end is based on unstructured supplementary service data USSD sessions by the pre- place Reason object information is sent to after the payment devices, and the payment system service end does not have in Preset Time There is the information that the payment devices send that receives, then the payment system service end Cancels Transaction.

Optionally, the payment system service end sends the 4th feedback information to the payment devices；

4th feedback message notifies that the payment devices have cancelled friendship for the payment system service end Easily.

Optionally, the 4th feedback message can display suppression the reason for conclude the business.

With reference to embodiment of the present invention first aspect or the 6th kind of realization side of embodiment of the present invention first aspect Formula, in the 7th kind of implementation of embodiment of the present invention first aspect,

The pre-processed results information also includes as shown below one or more：

Beneficiary name information, carry out the beneficiary name information, the account of beneficiary after mask treatment Family information, the phone number of beneficiary and beneficiary Institution Code.

Embodiment of the present invention second aspect provides a kind of method of payment, including：

Payment request information is sent to payment system service end by payment devices, and the payment request information is used In request beneficiary is paid by transaction funds；

The payment request information includes as shown below one or more：

The payment devices send the payment request information by short message service center SMSC, or, institute State payment devices and the payment request information is sent by TCP/IP networks；

The payment devices are decoded to be encrypted to the payment request information；

Determine payment account remaining sum more than or equal to friendship by pretreatment operation in the payment system service end In the case of the amount of money of easy fund, the payment devices are based on unstructured supplementary service data USSD meetings Words receive pre-processed results information；

The pre-processed results information is corresponding with the beneficiary, and the pre-processed results information is used to ask The payment devices are asked to determine whether to pay the beneficiary by the transaction funds；

Optionally, the payment devices receive the first feedback message that the payment system service end sends；

Wherein, first feedback message notifies the payment devices institute for the payment system service end The amount of money of the payment account remaining sum less than the transaction funds is stated, so as to the payment account cannot be stored The amount of money pay beneficiary.

With reference to embodiment of the present invention second aspect, the first implementation of embodiment of the present invention second aspect In,

The pre-processed results information includes the first prompt message, and first prompt message is used to point out to use Family is input into configured information, and the configured information is used to indicate whether to pay the receipts by the transaction funds Money side；

Unstructured supplementary service data USSD sessions are based in the payment devices receive the pretreatment After object information, the payment devices will be used to indicate to pay the beneficiary by the transaction funds The configured information be sent to the payment system service end so that the payment system service end is by institute State transaction funds and pay the beneficiary；

In the case where the configured information is used to indicate to pay the beneficiary by the transaction funds, The payment system service end after the beneficiary is paid by the transaction funds, the payment devices The second feedback message that the payment system service end sends can be received；

Or,

The payment devices transaction funds will not be paid the finger of the beneficiary for instruction Show that information is sent to the payment system service end, so that the payment system service end Cancels Transaction；

It is used for the situation for indicating that the transaction funds are not paid the beneficiary in the configured information Under, after the payment system service end Cancels Transaction, the payment devices can receive the payment system clothes The 3rd feedback message that business end sends；

3rd feedback message notifies that the payment devices have cancelled friendship for the payment system service end Easily.

With reference to embodiment of the present invention second aspect, second implementation of embodiment of the present invention second aspect In,

Unstructured supplementary service data USSD sessions are based in the payment devices receive the pretreatment After object information, the payment cipher is sent to the payment system service end by the payment devices, So that the payment system service end is in the case of it is determined that the payment cipher is correct, the transaction is provided Gold pays the beneficiary, or, so that the payment system service end is it is determined that the payment cipher In the case of mistake, Cancel Transaction；

Or,

The payment devices transaction funds will not be paid the finger of the beneficiary for instruction Show that information gives the payment system service end, so that the payment system service end Cancels Transaction.

With reference to second implementation of embodiment of the present invention second aspect to embodiment of the present invention second aspect Method described in any one, in the third implementation of embodiment of the present invention second aspect,

The embodiment of the present invention third aspect provides a kind of payment system service end, including：

First receiving unit, the payment request information for receiving payment devices transmission, the payment request Information is used to ask to pay beneficiary by transaction funds；

First processing units, for carrying out pretreatment operation, the pre- place according to the payment request information Reason operation includes determining the amount of money of the payment account remaining sum more than or equal to transaction funds；

Generation unit, for generating pre-processed results information, the pre-processed results information and the gathering Side's correspondence, and the pre-processed results information is for asking the payment devices to determine whether the transaction Payment funding gives the beneficiary；

First transmitting element, for based on unstructured supplementary service data USSD sessions by the pre- place Reason object information is sent to the payment devices.

With reference to the embodiment of the present invention third aspect, the first implementation of the embodiment of the present invention third aspect In,

The first processing units, are additionally operable to be carried out according to the payment request information side of pretreatment operation Formula also includes as shown below one or more：

The generation unit, is additionally operable to it is determined that the payment devices are legal, and/or, the beneficiary is closed Method, and/or, the transaction funds generate the pre-processed results less than in the case of the trading limit Information.

With reference to the embodiment of the present invention third aspect or the first realization side of the embodiment of the present invention third aspect Formula, in second implementation of the embodiment of the present invention third aspect,

The payment system service end also includes：

Second receiving unit, for receiving the configured information that the payment devices send；

Second processing unit, if being used to indicate to pay institute by the transaction funds for the configured information Beneficiary is stated, then pays the beneficiary by the transaction funds；

Or, the payment system service end also includes：

3rd processing unit, if being used to indicate not pay the transaction funds for the configured information The beneficiary, then Cancel Transaction.

With reference to second implementation of the embodiment of the present invention third aspect, the embodiment of the present invention third aspect The third implementation in,

The payment system service end also includes：

Fourth processing unit, for if it is determined that continuously receiving for indicating not pay the transaction funds Number of times to the configured information of the beneficiary is more than preset value, then the branch for freezing payment devices is paid a bill Family.

With reference to the embodiment of the present invention third aspect or the first realization side of the embodiment of the present invention third aspect Formula, in the 4th kind of implementation of the embodiment of the present invention third aspect,

The payment system service end also includes：

3rd receiving unit, for receiving the payment cipher that the payment devices send；

The transaction funds, if correct for the payment cipher, are paid institute by the 5th processing unit Beneficiary is stated, or, if the payment cipher mistake, Cancels Transaction；

Or, the payment system service end also includes：

4th receiving unit, for receiving not provided the transaction for instruction for the payment devices transmission Gold pays the configured information of the beneficiary；

6th processing unit, if for receiving that the payment devices send for indicating not by the friendship Easy payment funding then Cancels Transaction to the configured information of the beneficiary.

With reference to the 4th kind of implementation of the embodiment of the present invention third aspect, the embodiment of the present invention third aspect The 5th kind of implementation in,

7th processing unit, for if it is determined that continuously receiving the payment cipher of mistake and/or for referring to Show and do not pay the number of times of the configured information of the beneficiary more than preset value by the transaction funds, Then freeze the payment account of payment devices.

With reference to the embodiment of the present invention third aspect or the first realization side of the embodiment of the present invention third aspect Formula, in the 6th kind of implementation of the embodiment of the present invention third aspect,

The payment system service end also includes：

8th processing unit, for being not received by the information that the payment devices send in Preset Time, Then Cancel Transaction.

Embodiment of the present invention fourth aspect provides a kind of payment devices, including：

Second transmitting element, for payment request information to be sent into payment system service end, the payment Solicited message is used to ask to pay beneficiary by transaction funds；

5th receiving unit, is pre-processed for being received based on unstructured supplementary service data USSD sessions Object information, the pre-processed results information is that the payment system service end pays request letter according to described Breath carries out pretreatment operation to generate, and the pretreatment operation includes determining that payment account remaining sum is more than or waits In the amount of money of transaction funds, the pre-processed results information is corresponding with the beneficiary, and the pretreatment Object information is used to ask the payment devices to determine whether to pay the gathering by the transaction funds Side.

With reference to embodiment of the present invention fourth aspect, the first implementation of embodiment of the present invention fourth aspect In,

The payment devices also include：

3rd transmitting element, for the institute by the transaction funds to be paid the beneficiary for instruction State configured information and be sent to the payment system service end, so that the payment system service end is by the friendship Easy payment funding gives the beneficiary；

Or,

The payment devices also include：

4th transmitting element, for by for indicating not pay the beneficiary by the transaction funds The configured information is sent to the payment system service end, so as to the payment system service end is cancelled hand over Easily.

With reference to embodiment of the present invention fourth aspect, second implementation of embodiment of the present invention fourth aspect In,

The payment devices also include：

5th transmitting element, for the payment cipher to be sent into the payment system service end, so that The payment system service end in the case of it is determined that the payment cipher is correct, by the transaction funds branch The beneficiary is paid, or, so that the payment system service end is it is determined that the payment cipher mistake In the case of, Cancel Transaction；

Or,

The payment devices also include：

6th transmitting element, for by for indicating not pay the beneficiary by the transaction funds The configured information gives the payment system service end, so that the payment system service end Cancels Transaction.

The aspect of the embodiment of the present invention the 5th provides a kind of payment system, including such as the embodiment of the present invention the 3rd Aspect to the embodiment of the present invention third aspect the 6th kind of any one of implementation described in payment system service End and second implementation such as embodiment of the present invention fourth aspect to embodiment of the present invention fourth aspect Payment devices described in any one；

The payment system also includes unstructured supplementary service data USSD gateway；

Wherein, the payment devices are via the USSD gateway and the payment system service end communication link Connect.

A kind of method of payment, payment system service end and payment devices are the embodiment of the invention provides, is propped up The method of paying includes that payment system service end receives the payment request information that payment devices send, the payment system System service end can carry out pretreatment operation, the payment system service end according to the payment request information The amount of money of the payment account remaining sum more than or equal to transaction funds is determined by the pretreatment operation, then it is described Payment system service end generates pre-processed results information, and the payment system service end ties the pretreatment Fruit information is sent to the payment devices, and the result is used to ask the payment devices to determine whether The beneficiary is paid by the transaction funds.It can be seen that, it is using the method for payment shown in the present embodiment Toilet states payment request information input error, and user can be according to the pretreatment knot shown by the payment devices Fruit information determines whether the beneficiary is correct, effectively improves the safety of user's fund, and described After the payment request information is sent to the payment system service end by payment devices, the payment devices Session need not be continued to and the payment system service end between, the payment devices are effectively reduced With the duration that the payment system service end maintains session, be effectively reduced the maintenance payment devices and The overhead of the session between the payment system service end.

Brief description of the drawings

Fig. 1 is a kind of example structure schematic diagram of payment system provided by the present invention；

Fig. 2 is a kind of embodiment flow chart of steps of method of payment provided by the present invention；

Fig. 3 is another embodiment flow chart of steps of method of payment provided by the present invention；

Fig. 4 is a kind of example structure schematic diagram of payment system service end provided by the present invention；

Fig. 5 is another example structure schematic diagram of payment system service end provided by the present invention；

Fig. 6 is a kind of example structure schematic diagram of payment devices provided by the present invention；

Fig. 7 is another example structure schematic diagram of payment devices provided by the present invention；

Fig. 8 is another example structure schematic diagram of payment system service end provided by the present invention；

Fig. 9 is another example structure schematic diagram of payment devices provided by the present invention.

Specific embodiment

The method of payment that embodiment is provided for a better understanding of the present invention, combines shown in Fig. 1 first below Payment system to that can realize Third-party payment is described in detail：

Understand as shown in Figure 1, the payment system at least includes payment devices 101, short message service center 102 And payment system service end 103.

The present embodiment is not limited the payment devices 101, as long as the payment devices 101 can be transported Row payment platform, and then enable that the payment devices 101 carry out Third-party payment.

If for example, the payment platform is the Internet, applications, the payment devices 101 can be computer Etc. equipment.

If further for example, the payment platform is terminal applies, the payment devices 101 can be intelligent hand The terminal devices such as machine, panel computer.

If further for example, the payment platform is client identification module (English full name：Subscriber Identity Module, English abbreviation：SIM) card pays application, then cause that being provided with the SIM pays application Payment devices can carry out Third-party payment, then the payment devices 101 can set for terminals such as smart mobile phones It is standby.

The short message service center 102 is used to realize the payment devices 101 and the payment system service end Information communication between 103.

Wherein, the short message service center 102 is independently of a transaction processing system of wireless network, main It is to submit to, store and short-message to want function.

Optionally, the payment system shown in the present embodiment may also include：USSD (English full name： Unstructured Supplementary Service Data) gateway 104.

The payment system service end 103 and the payment are enabled to by the USSD gateway 104 Equipment 101 sets up the USSD sessions based on unstructured supplementary service data USSD agreements.

If the payment system service end 103 establishes USSD sessions with the payment devices 101, The USSD sessions can always provide the pipeline of transparent information transfer, so as to improve the payment system The efficiency and safety of information transfer between service end 103 and the payment devices 101.

Based on the payment system shown in Fig. 1, provided below in conjunction with the explanation embodiment of the present invention shown in Fig. 2 Method of payment, effective the avoiding of method of payment shown in the present embodiment cause because of user input mistake Transaction funds pay the situation of the account of mistake.

201st, payment devices receive the payment request information of user input.

In the present embodiment, so that the payment devices are as smart mobile phone as an example, then the smart mobile phone can be installed SIM application, and then enable that the smart mobile phone for being mounted with SIM application is carried out shown in the present embodiment Payment flow.

The present embodiment user is input into payment request letter by being provided with the smart mobile phone of the SIM application Breath.

Optionally, the payment request information includes as shown below one or more：

Beneficiary cell-phone number, beneficiary trade company code, beneficiary Institution Code, the amount of money of transaction funds, Payment cipher, User logs in account name.

Need it is clear that, the present embodiment is optional example to the explanation of the payment request information, is not done Limit, as long as the payment request information can be asked transaction funds branch to the payment system service end Pay beneficiary.

202nd, the payment request information is sent to short message service center SMSC by the payment devices.

Specifically, being the effective safety ensured in payment process, then in the present embodiment, the payment sets It is standby the solicited message to be encoded to form the short message of encryption.

In the present embodiment, how the payment devices are specifically encoded to payment request information is added with formation The concrete mode of close short message please be referred to shown in prior art, do not repeated in the present embodiment specifically.

More specifically, the payment devices will have been encrypted, and include the described of the payment request information Short message sending gives the short message service center SMSC.

In the present embodiment, the short message service center is used for the request transmitted by the payment devices Payment information is transmitted to payment system service end.

Concrete principle and specific workflow in the short message are prior art, specifically in this implementation Do not repeated in example.

203rd, the payment request information is transmitted to payment system service end by the short message service center.

In the present embodiment, enable the payment devices by described by step 202 and step 203 The payment request information is sent to the payment system service end by short message service center, need it is clear that, The present embodiment step 202 and step 203 are optional step, are not limited.

If for example, the payment platform of payment devices operation is the Internet, applications or terminal applies, institute Stating payment devices need not be by short message service center, but the payment devices directly will by TCP/IP networks The payment request information is sent to the payment system service end.

It can be seen that, the method for payment shown in the present embodiment, to the payment devices to the payment system service The detailed process that end sends the payment request information is not limited, as long as the payment system service end energy Enough receive the payment request information.

204th, the payment system service end receives the payment request information.

In the present embodiment, the payment request information is sent to the payment system clothes by the payment devices Behind business end, the session between the payment devices and the payment system service end can disconnect, i.e., described Session need not be continued between payment devices and the payment system service end, so as to save the branch Overhead between dispensing apparatus and the payment system service end.

205th, the payment system service end carries out pretreatment behaviour to the payment request information having been received by Make.

In the present embodiment, the payment request information of the payment system service end first to having encrypted is entered Row decoding, so as to the decoded payment request information is put into treatment queue queuing treatment.

When the payment system service end is processed to the payment request information, you can please to the payment Seeking information carries out pretreatment operation.

Pretreatment operation shown in the present embodiment includes that following processing mode includes checking that payment account remaining sum is The no amount of money more than or equal to transaction funds, when the payment account remaining sum is more than or equal to transaction funds During the amount of money, then step 208 is continued executing with.

Certainly, the pretreatment operation shown in the present embodiment may also include as shown below one or more：

The payment devices are authenticated, the beneficiary is authenticated and are determined with the transaction money Whether gold is more than or equal to trading limit.

The present embodiment is not limited the specific processing mode of the pretreatment operation.

If being unsatisfactory for preset requirement by the payment request information after pretreatment operation, continue executing with Step 206.

If meeting preset requirement by the payment request information after pretreatment operation, step is continued executing with Rapid 208.

The present embodiment is not limited the preset requirement, as long as when the payment system service end determines institute When stating payment request information and meeting preset requirement, the friendship that the payment system service end can be to payment account Easy fund carries out reserved.

The preset requirement can be：The payment system service end determines that payment account remaining sum is more than or equal to The transaction funds.

The preset requirement can also be：The payment system service end payment devices are authenticated with The payment devices are determined for legitimate device, for example, the login user name transmitted by the payment devices It is correct with modification logging, then can determine that the payment devices are legal, and/or, the payment Server of the system is legal to determine the beneficiary after being authenticated to the beneficiary, and/or, it is described Payment system service end determines that the transaction funds are less than trading limit.

206th, the payment system service end sends the first feedback message to the short message service center.

207th, first feedback message is transmitted to the payment devices by the short message service center.

It can be seen that, short can be disappeared by described by payment system service end described in step 206 to step 207 Breath center first feedback message is issued into the payment devices.

Method of payment shown in the present embodiment can also the payment system service end pretreatment operation mistake Cheng Zhong, when determining that the payment account remaining sum is less than the transaction funds, the is sent to the payment devices One feedback message, the payment system service end notifies the payment devices institute by first feedback message The amount of money of the payment account remaining sum less than the transaction funds is stated, so as to the payment account cannot be stored The amount of money pay beneficiary.

Optionally, the method for payment shown in the present embodiment can also be in the payment system service end in pretreatment During operation, when determining that the transaction funds are more than or equal to the trading limit, to the payment Equipment sends the first feedback message, and the payment system service end notifies described by first feedback message Situation of the transaction funds more than or equal to the trading limit.

Optionally, the method for payment shown in the present embodiment can also be in the payment system service end in pretreatment During operation, determine the payment devices and or the beneficiary it is illegal when, then to it is described payment set Preparation send the first feedback message, and the payment system service end notifies the branch by first feedback message Dispensing apparatus and or the beneficiary it is illegal.

In the present embodiment, the situation that first feedback message is sent to the payment system service end is can The example of choosing, does not limit, as long as payment system service end determination cannot be by the transaction of payment account When payment funding is to beneficiary, the payment system service end can be by the short message service center to described Payment devices send first feedback message so that the payment devices are according to first feedback message Can determine that the reason for can not paying the beneficiary by the transaction funds.

Step 206 to step 207 in the present embodiment is optional step, is not limited specifically, if for example Determine to be unsatisfactory for preset requirement by the payment request information after pretreatment operation by step 205, Then the payment system service end can directly stop paying the transaction funds stream of the beneficiary Journey.

208th, the payment system service end is reserved the transaction funds.

Payment system service end shown in the present embodiment can will meet desired transaction funds and be reserved.

Wherein, the payment system service end, will not during step 205 and step 208 is performed Beneficiary is paid by transaction funds, and reservation process simply is carried out to transaction funds.

209th, the payment system service end sets up USSD sessions with the payment devices.

Specifically, the payment system service end is set up based on non-by communication network with the payment devices The USSD sessions of Unstructured Supplementary Services data USSD agreements.

How the present embodiment is specifically set up and the payment devices between to the payment system service end USSD (English full name：Unstructured Supplementary Service Data) session do not limit.

Optionally, the payment system service end is sent to the payment devices by USSD gateway and connected Request message, the payment devices are according to the connection request message by the USSD gateway to described Payment system service end returns to response message, is set with the payment so as to set up the payment system service end USSD sessions between standby.

Need it is clear that, the present embodiment step 209 be optional step, the payment system service end and institute State and can also be communicated by other means between payment devices, do not repeat in the present embodiment specifically.

210th, pre-processed results information is sent to the USSD gateway by the payment system service end.

211st, the pre-processed results information is transmitted to the payment devices by the USSD gateway.

In the present embodiment, after payment devices have sent payment request information to payment system service end, branch Pay server of the system and do not pay beneficiary by dealing money immediately, but generate the pre-processed results Information, so that user determines whether beneficiary is correct according to the result.

It can be seen that, using the method for payment shown in the present embodiment, if during step 201 is performed, using Family by the payment request information input error, then during step 211 is performed, because of user Ke Gen According to the processing result information to confirm the beneficiary, and then effective avoiding pays transaction funds To the beneficiary of mistake, being brought because of user input mistake during Third-party payment is effectively avoided Loss.

The payment system service end sends pretreatment knot by the USSD gateway to the payment devices Fruit information.

Specifically, the USSD modules of the payment devices can be communicated with the USSD gateway, Then the USSD modules of the payment devices can receive the pretreatment knot of the USSD gateway forwarding Fruit information.

In the present embodiment, the pre-processed results information includes as shown below one or more：

Beneficiary name information, carry out the beneficiary name information, the account of beneficiary after mask treatment Family information, the phone number of beneficiary, the amount of money of transaction funds, and/or beneficiary Institution Code.

Certainly, the present embodiment is exemplary illustration to the pre-processed results information, is not limited, as long as There is one-to-one relation, i.e. user according to described pre- with beneficiary in the pre-processed results information Processing result information can determine unique beneficiary, enable a user to according to the payment devices The shown pre-processed results information determines whether shown beneficiary is correct.

For example, the pre-processed results information can also be the payment system service end and the payment devices The mark corresponding with the beneficiary made an appointment.

It can be seen that, the payment system service end shown in the present embodiment can be asked according to the payment of user input Information is asked to determine the pre-processed results information.

Optionally, the pre-processed results information also includes the first prompt message, first prompt message For pointing out user input configured information, the configured information to be used to indicate whether the transaction funds branch Pay the beneficiary.

Below lift concrete application scene the result is described in detail, need it is clear that, below Explanation to the pre-processed results information is optional example, is not limited, as long as user being capable of basis Whether correctly the pre-processed results information determine beneficiary.

For example, the pre-processed results information can be：" you give B firms PLSCONFM by so-and-so payment system (code：12345) transfer accounts 2000.00 yuan of transaction.Input ' Y ' simultaneously can confirm that branch by acknowledgement key Pay, being input into other any characters or hanging USSD sessions to Cancel Transaction！Note that continuous 10 Secondary Cancelling Transaction will cause your account to be frozen！”

Under this application scene, the beneficiary title that user can be according to the payment devices Information determine the beneficiary whether the beneficiary oneself to be paid, it is seen then that if user is in step 201 It is middle by payment request information input error, then when payment devices receive the beneficiary name information, User can determine the situation of payment request information input error according to the beneficiary name information, you can Avoid paying transaction funds the beneficiary account of mistake.

If specifically, user is indicated to the payment system service end by the payment devices transaction is provided Gold pays A beneficiaries, but user by the payment devices when payment request message is input into, defeated Enter mistake, be the cell-phone number of B beneficiaries by the cell-phone number input of A beneficiaries, then using the present embodiment institute The method of payment shown, the payment system service end believes B beneficiaries title when step 211 is performed Breath is sent to payment devices, and user is by the B beneficiary name informations shown by the payment devices It is determined that by the cell-phone number input error of A beneficiaries, user can be input into by the payment devices and remove ' Y ' Unexpected other any characters hang USSD sessions to Cancel Transaction, it is to avoid by transaction funds branch The B firms of mistake are paid, B side is paid by transaction funds so as to avoid.

In embodiment, to ensure the safety of beneficiary, the privacy of beneficiary is ensured, prevent the 3rd of malice Side obtains the name information of beneficiary, and the pre-processed results information shown in the present embodiment can be to carry out at mask The beneficiary name information after reason.

Payment system service end described in the present embodiment carries out mask treatment to the name information of the beneficiary Concrete mode is not limited, as long as shown by the pre-processed results information being the part of the beneficiary Name information.

For example, for the title of two or more Chinese character, showing first and the last character.

Further for example, two titles of Chinese character, only display the last character, does not show first character.

Further for example, English name, only first English word of display is last with last English word One English alphabet.

In concrete application scene, the pre-processed results information can be：" PLSCONFM you by so-and-so pay System gives land * scholar's (cell-phone number：1381111111) transfer accounts 200.00 yuan of transaction.Input ' Y ' is simultaneously pressed Acknowledgement key can confirm that payment, and being input into other any characters or hanging USSD sessions to Cancel Transaction！ Note that to Cancel Transaction for continuous 10 times will cause your account to be frozen！”

If specifically, user is indicated to the payment system service end by the payment devices transaction is provided Gold pays beneficiary for " Lu Jingshi ", user when payment request message is input into by the payment devices, Input is correct, such as the correct cell-phone number of the Lu Jingshi of input, then using the payer shown in the present embodiment Method, when step 211 is performed, the title of " Lu Jingshi " carries out mask treatment to the payment system service end, To form " land * scholar ", and " land * scholar " after mask is processed is sent to payment devices, and user passes through institute State " land * scholar " shown by payment devices and determine that beneficiary is：" Lu Jingshi ", user can be by described Payment devices input ' Y ' determine to pay.

It can be seen that, using the effective peace for having ensured beneficiary name information of method of payment shown in the present embodiment Entirely, it is to avoid the third party of malice obtains the name information of beneficiary.

Optionally, it is the safety that effectively ensures beneficiary information, the especially safety of personal beneficiary, Then the method for payment shown in the present embodiment may also include：The payment system service end sends to beneficiary matches somebody with somebody Confidence ceases, and the configuration information shows the title of the beneficiary for asking the beneficiary to determine whether Information.

The beneficiary can return to response and disappear according to the configuration information to the payment system service end Breath, if the beneficiary notifies that the payment system service end not believe by display Name by the response message Breath, then the payment system service end can not include to the pre-processed results information that the payment devices are returned There is the name information of the beneficiary, and including such as information such as Institution Code, phone number.

Then now the pre-processed results information is optionally：" PLSCONFM you by so-and-so payment system to hand Machine number is transferred accounts 200.00 yuan of transaction for 1381111111 user's (user's name secrecy).Input ' Y ' And payment is can confirm that by acknowledgement key, being input into other any characters or hanging USSD sessions to cancel Transaction！Note that to Cancel Transaction for continuous 10 times will cause your account to be frozen！”

Need it is clear that, the method for payment shown in the present embodiment is carried out at mask to the name information of beneficiary It is optional example to manage, and is not limited, and the payment system service end can also carry out mask to other information Treatment, for example, carrying out mask treatment etc. to phone number.

212nd, payment devices receive the configured information of user input.

In the present embodiment, the pre-processed results information includes the first prompt message, the first prompting letter Cease for pointing out user input configured information, the configured information to be used to indicate whether the transaction funds Pay the beneficiary.

The present embodiment is not limited the particular content of first prompt message, as long as payment system service End notifies user input configured information according to first prompt message.

For example, in step 211, first prompt message can be：" it is input into ' Y ' and by acknowledgement key Payment is can confirm that, being input into other any characters or hanging USSD sessions to Cancel Transaction！”

Understand, if user determines that the pre-processed results information is correct, the transaction funds can be paid To the beneficiary, then the configured information that user can be input into by the payment devices is：" Y ' is simultaneously pressed Acknowledgement key ".

Understand, if user determines that the pre-processed results information is incorrect, it is not possible to by the transaction funds The beneficiary is paid, then the configured information that user can be input into by the payment devices is：" input Other any characters hang USSD sessions ".

The present embodiment is not limited the particular content of the configured information, as long as the payment system service End is able to determine whether that the transaction funds that will have been reserved pay beneficiary according to the configured information.

213rd, the configured information is sent to the USSD gateway by the payment devices.

214th, the configured information that the USSD gateway will be received is transmitted to the payment system service End.

215th, the payment system service end receives the configured information.

In the present embodiment, if the configured information is used to indicate to pay the gathering by the transaction funds Side, then the transaction funds are paid the beneficiary by the payment system service end；

Or,

If the configured information is used to indicate not pay the beneficiary by the transaction funds, described Payment system service end Cancels Transaction.

216th, the payment system service end sends the second feedback message to the short message service center.

Specifically, being used to indicate to pay the beneficiary by the transaction funds in the configured information In the case of, the payment system service end is described after the beneficiary is paid by the transaction funds Payment system service end can generate second feedback message.

217th, second feedback message is sent to the payment devices by the short message service center.

The payment devices are by showing second feedback message so that user has determined the transaction funds Pay the beneficiary.

Step 216 to step 217 in the present embodiment is optional step, the payment system service end The payment devices can not be notified in the case where the beneficiary is paid by the transaction funds.

218th, the payment system service end sends the 3rd feedback message to the short message service center.

Specifically, being used to indicate not pay the beneficiary by the transaction funds in the configured information In the case of, after the payment system service end Cancels Transaction, the payment system service end can generate institute State the 3rd feedback message.

The payment system service end is after it is determined that Cancel Transaction, you can the transaction that will be reserved in step 208 It is the payment devices that fund is returned.

219th, the 3rd feedback message is sent to the payment devices by the short message service center.

The payment devices are by showing the 3rd feedback message so that user determines that transaction has been cancelled.

Optionally, the 3rd feedback message can display suppression the reason for conclude the business.

Step 218 to step 219 in the present embodiment is optional step, the payment system service end The payment devices can not be notified in the case where Cancelling Transaction.

If the 220, the payment system service end determines to continuously receive for indicating not by the transaction funds The number of times of the configured information of the beneficiary is paid more than preset value, then the payment system service Freeze the payment account of payment devices in end.

For example, in step 211, the pre-processed results information also includes：" note that continuous 10 Secondary Cancelling Transaction will cause your account to be frozen！”

Then in the present embodiment, the payment system service end can calculate what is continuously received：" it is input into other What character hangs USSD sessions " number of times, if the number of times is more than 10 times, the payment system Service end freezes the payment account of payment devices.

Need it is clear that, with the preset value be to carry out exemplary explanation 10 times in the present embodiment, in tool In body application, the preset value can be more than being also smaller than 10.

It can be seen that, by step 220 can effectively avoid malicious third parties pass through it is continuous Cancel Transaction with The phone number of a large amount of beneficiaries is obtained, the safety of beneficiary information has effectively been ensured.

If the present embodiment transaction system service end determines the payment devices successfully by the transaction funds Beneficiary is paid, then the payment system service end starts again to continuously receiving for indicating to not The number of times that the transaction funds pay the configured information of the beneficiary is counted.

It can be seen that, if the payment system service end is received for indicating to pay institute by the transaction funds The configured information of beneficiary is stated, then the payment system service end will have been counted for indicating to not The number of times that the transaction funds pay the configured information of the beneficiary is zeroed out.

After performing step 211, the step 212 in the present embodiment is to step 220 for the payment system takes The information that business termination receives the payment devices transmission is illustrated, and is illustrated below in conjunction with step 221, if After execution of step 211, the payment system service end is not received by the situation of the configured information：

221st, the payment system service end is not received by what the payment devices sent in Preset Time Information, then the payment system service end Cancel Transaction.

If specifically, the USSD gateway failure, the USSD gateway cannot set the payment The configured information that preparation is sent is transmitted to the payment system service end, or, mobile phone shutdown, or, The mobile phone out of reach, then the payment system service end will not receive what the payment devices sent Configured information, then in the present embodiment, the payment system service end presets a preset duration, if described Payment system service end is not received by any information that the payment devices send in the preset duration, Then the payment devices can Cancel Transaction.

The present embodiment is not limited the Preset Time, for example, 5 minutes.

Optionally, in the present embodiment, if the USSD gateway failure, or mobile phone shutdown, or hand In the case of machine out of reach, the USSD gateway needs different to the return of payment system service end Return code, the return code that the payment system service end can be returned according to the USSD gateway determines The USSD gateway failure, or mobile phone shutdown, or mobile phone out of reach situation.

222nd, the payment system service end sends the 4th feedback message to the short message service center.

Specifically, the payment system service end is not received by the payment in the Preset Time setting Any information that preparation is sent, then the payment system service end generate the 4th feedback information.

223rd, the 4th feedback message is sent to the payment devices by the short message service center.

The payment devices are by showing the 4th feedback message so that user determines that transaction has been cancelled.

Advantage using the method for payment shown in the present embodiment is：

1st, using the method for payment shown in the present embodiment so that even if user is input into by the payment devices The payment request information mistake, then user can be according to the pre-processed results shown by the payment devices Information determines whether the beneficiary is correct, it is to avoid pay mistake by transaction funds because of user input mistake The appearance of the situation of beneficiary, effectively reduces the risk in payment process by mistake, improves user's money The safety of gold.

2nd, in the method for payment shown in the present embodiment, payment devices first send the payment request information Payment system service end is given, the pre-processed results information that the payment system service end sends then is received, It can be seen that, the transmission of the payment request information and the reception of the pre-processed results information are timesharing, i.e., After the payment request information is sent to payment system service end by the payment devices, the payment devices And the session between the payment system service end can interrupt, now payment devices described in Maintenance free and Session between the payment system service end, so that the payment devices and payment system clothes Business need not maintain the session of long period between end, be effectively reduced maintenance payment devices and described The overhead of the session between payment system service end.

3rd, because the payment system service end receives the payment request information and sends the pre-processed results Information is nonsynchronous, even if then causing that the payment system service end can be normal when system is busy The reception payment request information, it is also possible to the pre-processed results information is sent to payment devices.

4th, because the payment system service end can carry out pretreatment operation according to the payment request information, Only in the case of the amount of money of the payment account remaining sum more than or equal to transaction funds, the payment system clothes Business end can just generate pre-processed results information, and then proceed payment flow, it is to avoid Ruo Yinzhi pays a bill When family remaining sum is less than the amount of money of transaction funds, the payment system service end proceeds to be provided during payment flow The waste in source, effectively saves resource.

5th, the payment system service end can to the pre-processed results information transmitted by the payment devices The title by the beneficiary after mask treatment is shown, so that payment devices will not show beneficiary name The full name of title, is conducive to protecting the safety and privacy of beneficiary.

6th, payment process can be simplified using the method for payment shown in the present embodiment, user is only needed to by institute State payment devices and send payment request information, and the pre-processed results letter according to the payment devices Whether correctly breath determines the beneficiary, without waiting for remaining information that payment system service end sends, The effective efficiency for improving payment, reduces the difficulty of payment.

Below in conjunction with the embodiment of the present invention is provided shown in Fig. 3 it is another can be effective avoid because with Family input error and the method for payment of beneficiary that transaction funds pay mistake is described in detail：

301st, payment devices receive the payment request information of user input.

In the present embodiment, the payment request information of user input can be as shown below one or more：

Beneficiary cell-phone number, beneficiary trade company code, beneficiary Institution Code, the amount of money of transaction funds, And/or User logs in account name.

The present embodiment is not limited the particular content of the payment request information, as long as the payment system Service end determines the payment devices for legitimate device according to the payment request information, illegal to avoid Payment request information is to impact produced by payment system service end and the unauthorized access to other people accounts.

302nd, the payment request information is sent to short message service center SMSC by the payment devices.

303rd, the payment request information is transmitted to payment system service end by the short message service center.

304th, the payment system service end receives the payment request information.

305th, the payment system service end carries out pretreatment behaviour to the payment request information having been received by Make.

306th, the payment system service end sends the first feedback message to the short message service center.

307th, first feedback message is transmitted to the payment devices by the short message service center.

308th, the payment system service end is reserved the transaction funds.

309th, the payment system service end sets up USSD sessions with the payment devices.

Step 301 in the present embodiment to step 309 detailed process, please in detail as shown in Figure 2 the step of Shown in 201 to step 209, do not repeat in the present embodiment specifically.

310th, pre-processed results information is sent to the USSD gateway by the payment system service end.

Pre-processed results information shown in the present embodiment includes the second prompt message, second prompt message For pointing out user input payment cipher, and second prompt message to be additionally operable to prompting user input and be used for The transaction funds are not paid the configured information of the beneficiary for instruction.

The present embodiment is not limited second prompt message, if the payment devices show this second During prompt message, user be can determine that need be input into payment cipher, and if user wish to Cancel Transaction, Then user can be corresponding for indicating not by the transaction according to the instruction of second prompt message input Configured information of the payment funding to the beneficiary.

In the present embodiment, the result carry out can be：" you give old PLSCONFM by so-and-so payment system * friendly (cell-phone number：1381111111) transfer accounts 200.00 yuan of transaction.Please be input into payment cipher and by confirmation Key can confirm that payment, and other any inputs or extension USSD sessions and can Cancel Transaction！Please note Continuous 10 input errors of payment cipher will cause your account to be frozen！”

311st, the pre-processed results information is transmitted to the payment devices by the USSD gateway.

Need it is clear that, the step 310 in the present embodiment is to step 311 relative to the step shown in Fig. 2 210 to step 211, the pre-processed results information is different included prompt message, and remaining is phase With, to illustrating shown in the step 210 that can be found in shown in Fig. 2 for the pre-processed results information, Do not repeat in the present embodiment specifically.

312nd, the payment devices receive the payment cipher or the configured information of user input.

In the present embodiment, second prompt message of the user according to the payment devices, you can The finger is input into by the payment devices input payment cipher or in the case where wishing to Cancel Transaction Show information.

For example, user can be input into according to the instruction of the pre-processed results information payment cipher and presses acknowledgement key Can confirm that payment.

Further for example, if user wishes to Cancel Transaction, the configured information that can be input into is：" other any inputs Or hang USSD sessions "

313rd, the payment cipher or the configured information are sent to the USSD nets by the payment devices Close.

314th, the payment cipher or the configured information that the USSD gateway will be received are transmitted to institute State payment system service end.

315th, the payment system service end receives the payment cipher or the configured information.

In the present embodiment, the payment system service end can determine that whether the payment cipher is correct.

If specifically, the payment system service end determines that the payment cipher is correct, described payment is The transaction funds are paid the beneficiary by system service end；

Or,

If the payment system service end determines the payment cipher mistake, the payment system service end Cancel Transaction.

Or,

The payment system service end determines to receive the configured information, then the payment system service end Cancel Transaction.

316th, the payment system service end sends the second feedback message to the short message service center.

Specifically, in the case of the payment cipher is correct, the payment system service end is by described in After transaction funds pay the beneficiary, the payment system service end can generate second feedback and disappear Breath.

317th, second feedback message is sent to the payment devices by the short message service center.

Step 316 to step 317 in the present embodiment is optional step, the payment system service end The payment devices can not be notified in the case where the beneficiary is paid by the transaction funds

318th, the payment system service end sends the 3rd feedback message to the short message service center.

Specifically, being received for indicating in the payment cipher mistake or the payment system service end It is described to pay system in the case that the transaction funds not paid the configured information of the beneficiary After system service end Cancels Transaction, the payment system service end can generate the 3rd feedback message.

The payment system service end is after it is determined that Cancel Transaction, you can the transaction that will be reserved in step 308 It is the payment devices that fund is returned.

319th, the 3rd feedback message is sent to the payment devices by the short message service center.

Step 318 to step 319 in the present embodiment is optional step, the payment system service end The payment devices can not be notified in the case where Cancelling Transaction.

If the 320, the payment system service end determines to continuously receive the payment cipher or described of mistake The number of times of configured information is more than preset value, then the branch that the payment system service end freezes payment devices is paid a bill Family.

For example, in step 311, the pre-processed results information also includes：" please note that payment cipher connects Continuing 10 input errors will cause your account to be frozen！”

Then in the present embodiment, it is close that the payment system service end can calculate the wrong payment for continuously receiving Synchronous codes number, if the number of times is more than 10 times, the payment system service end freezes the payment of payment devices Account.

Or, the payment system service end can calculate the wrong payment cipher that continuously receives and described The number of times of configured information, if the number of times is more than 10 times, the payment system service end freezes payment devices Payment account.

It can be seen that, by step 320 can effectively avoid malicious third parties pass through it is continuous Cancel Transaction or The payment cipher of intentional input error has effectively ensured gathering to obtain the phone number of a large amount of beneficiaries The safety of square information.

If the present embodiment transaction system service end determines the payment devices successfully by the transaction funds Beneficiary is paid, then the payment system service end starts wrong payment again to continuously receiving Password is counted.

It can be seen that, if the payment system service end receives correct payment cipher, the payment system The number of times of the wrong payment cipher that service end will have been counted is zeroed out.

321st, the payment system service end is not received by what the payment devices sent in Preset Time Information, then the payment system service end Cancel Transaction.

322nd, the payment system service end sends the 4th feedback message to the short message service center.

323rd, the 4th feedback message is sent to the payment devices by the short message service center.

Step 321 in the present embodiment to step 323 detailed process, please in detail as shown in Figure 2 the step of Shown in 221 to step 223, do not repeat in the present embodiment specifically.

The advantage of the method for payment shown in Fig. 3 is shown in Figure 2, does not do superfluous in the present embodiment specifically State, the method for payment shown in the present embodiment is relative to the advantage of the method for payment shown in Fig. 2, because of branch After the pre-processed results information is received, user needs to be input into branch by the payment devices dispensing apparatus Password is paid, in the case of the payment cipher of only user input is correct, payment system service end will can just be handed over Easy payment funding, so as to effectively ensure the safety in payment process, is effectively avoided to beneficiary Transaction funds are paid the beneficiary of mistake.

Below in conjunction with shown in Fig. 4 from the angle of functional module to the concrete structure of the payment system service end Illustrate, wherein, how the payment system service end shown in Fig. 4 specifically performs payment flow , please embodiment in detail as shown in Figure 2, does not repeat specifically in the present embodiment.

The payment system service end includes：

First receiving unit 401, the payment request information for receiving payment devices transmission, the payment please Ask information for ask pay beneficiary by transaction funds.

First processing units 402, it is described pre- for carrying out pretreatment operation according to the payment request information Treatment operation includes determining the amount of money of the payment account remaining sum more than or equal to transaction funds；

The first processing units 402, are additionally operable to carry out pretreatment operation according to the payment request information Mode also includes as shown below one or more；

The payment devices are authenticated, the beneficiary is authenticated and are determined with the transaction money Whether the amount of money of gold is more than or equal to trading limit.

Generation unit 403, for generating pre-processed results information, the pre-processed results information and the receipts Money side's correspondence, and the pre-processed results information is for asking the payment devices to determine whether the friendship Easy payment funding gives the beneficiary；

Wherein, the pre-processed results information includes the first prompt message, and first prompt message is used for Prompting user input configured information, the configured information is used to indicate whether to pay the transaction funds The beneficiary.

The generation unit 403, is additionally operable to it is determined that the payment devices are legal, and/or, the gathering Fang Hefa, and/or, the transaction funds generate the pretreatment less than in the case of the trading limit Object information.

First transmitting element 404, for will be described pre- based on unstructured supplementary service data USSD sessions Processing result information is sent to the payment devices.

Second receiving unit 405, for receiving the configured information that the payment devices send.

Second processing unit 406, if being used to indicate to pay the transaction funds for the configured information The beneficiary, then pay the beneficiary by the transaction funds.

3rd processing unit 407, if being used to indicate for the configured information does not pay the transaction funds To the beneficiary, then Cancel Transaction.

Fourth processing unit 408, for if it is determined that continuously receiving for indicating not by the transaction funds branch The number of times of the configured information of the beneficiary is paid more than preset value, then freezes the payment of payment devices Account.

8th processing unit 409, for being not received by the letter that the payment devices send in Preset Time Breath, then Cancel Transaction.

Below in conjunction with shown in Fig. 5 from the angle of functional module to the concrete structure of the payment system service end Illustrate, wherein, how the payment system service end shown in Fig. 5 specifically performs payment flow , please embodiment in detail as shown in Figure 3, does not repeat specifically in the present embodiment.

First receiving unit 501, the payment request information for receiving payment devices transmission, the payment please Ask information for ask pay beneficiary by transaction funds.

First processing units 502, it is described pre- for carrying out pretreatment operation according to the payment request information Treatment operation includes determining the amount of money of the payment account remaining sum more than or equal to transaction funds；

The first processing units 502, are additionally operable to carry out pretreatment operation according to the payment request information Mode also includes as shown below one or more；

Generation unit 503, for generating pre-processed results information, the pre-processed results information and the receipts Money side's correspondence, and the pre-processed results information is for asking the payment devices to determine whether the friendship Easy payment funding gives the beneficiary；

The pre-processed results information includes the second prompt message, and second prompt message is used to point out to use Family is input into payment cipher, and second prompt message is additionally operable to prompting user input and is used to indicate not by institute State the configured information that transaction funds pay the beneficiary.

First transmitting element 504, for will be described pre- based on unstructured supplementary service data USSD sessions Processing result information is sent to the payment devices.

3rd receiving unit 505, for receiving the payment cipher that the payment devices send.

5th processing unit 506, if correct for the payment cipher, the transaction funds is paid The beneficiary, or, if the payment cipher mistake, Cancels Transaction；

4th receiving unit 507, for receiving that the payment devices send for indicating not by the transaction The configured information of the payment funding to the beneficiary.

6th processing unit 508, if for receiving that the payment devices send for indicate will be described Transaction funds pay the configured information of the beneficiary, then Cancel Transaction.

7th processing unit 509, for if it is determined that continuously receiving the payment cipher and/or use of mistake Preset in indicating not to be more than the number of times that the transaction funds pay the configured information of the beneficiary Value, then freeze the payment account of payment devices.

8th processing unit 510, for being not received by the letter that the payment devices send in Preset Time Breath, then Cancel Transaction.

The concrete structure of the payment devices is said from the angle of functional module below in conjunction with shown in Fig. 6 It is bright, wherein, how the payment devices shown in Fig. 6 specifically perform payment flow, please refer to Fig. 2 Shown embodiment, does not repeat specifically in the present embodiment.

The payment devices include：

Second transmitting element 601, for payment request information to be sent into payment system service end, the branch Paying solicited message is used to ask to pay beneficiary by transaction funds；

5th receiving unit 602, for receiving pre- place based on unstructured supplementary service data USSD sessions Reason object information, the pre-processed results information is that the payment system service end pays request according to described Information carries out pretreatment operation to generate, the pretreatment operation include determining payment account remaining sum be more than or Equal to the amount of money of transaction funds, the pre-processed results information is corresponding with the beneficiary, and the pre- place Reason object information is used to ask the payment devices to determine whether to pay the gathering by the transaction funds Side.

Wherein, the pre-processed results information includes the first prompt message, and first prompt message is used for Prompting user input configured information, the configured information is used to indicate whether to pay the transaction funds The beneficiary；

3rd transmitting element 603, for by for indicating to pay the beneficiary by the transaction funds The configured information is sent to the payment system service end, so that the payment system service end will be described Transaction funds pay the beneficiary.

4th transmitting element 604, for that will be used to indicate not pay the beneficiary by the transaction funds The configured information be sent to the payment system service end so that the payment system service end cancel Transaction.

The concrete structure of the payment devices is said from the angle of functional module below in conjunction with shown in Fig. 7 It is bright, wherein, how the payment devices shown in Fig. 7 specifically perform payment flow, please refer to Fig. 3 Shown embodiment, does not repeat specifically in the present embodiment.

Second transmitting element 701, for payment request information to be sent into payment system service end, the branch Paying solicited message is used to ask to pay beneficiary by transaction funds；

5th receiving unit 702, for receiving pre- place based on unstructured supplementary service data USSD sessions Reason object information, the pre-processed results information is that the payment system service end pays request according to described Information carries out pretreatment operation to generate, the pretreatment operation include determining payment account remaining sum be more than or Equal to the amount of money of transaction funds, the pre-processed results information is corresponding with the beneficiary, and the pre- place Reason object information is used to ask the payment devices to determine whether to pay the gathering by the transaction funds Side.

Wherein, the pre-processed results information includes the second prompt message, and second prompt message is used for Prompting user input payment cipher, and second prompt message is additionally operable to prompting user input for indicating The transaction funds are not paid the configured information of the beneficiary.

5th transmitting element 703, for the payment cipher to be sent into the payment system service end, with Make the payment system service end in the case of it is determined that the payment cipher is correct, by the transaction funds The beneficiary is paid, or, so that the payment system service end is it is determined that the payment cipher is wrong In the case of by mistake, Cancel Transaction.

6th transmitting element 704, for that will be used to indicate not pay the beneficiary by the transaction funds The configured information give the payment system service end so that the payment system service end cancel hand over Easily.

The embodiment of the present invention additionally provides a kind of payment system, and the payment system includes payment system service End and payment devices.

Wherein, the payment system service end illustrate refer to Fig. 4 to Fig. 5 it is any shown in；

The illustrating of the payment devices refer to Fig. 6 to Fig. 7 it is any shown in, specifically in the present embodiment In do not repeat.

The payment system realize payment flow illustrate refer to Fig. 2 to Fig. 3 it is any shown in, tool Body is not repeated in the present embodiment.

Fig. 4 to Fig. 5 is illustrated from functional module angle to the concrete structure of the payment system service end, The concrete structure of the payment system service end is said from entity hardware point of view below in conjunction with shown in Fig. 8 It is bright：

Fig. 8 is a kind of payment system service end structural representation provided in an embodiment of the present invention, the payment system System service end 800 can include one or one because of configuration or performance is different and the larger difference of producing ratio Individual above central processing unit (central processing units, CPU) 822 (for example, one or one with Upper processor) and memory 832, one or more storage application programs 842 or data 844 are deposited Storage media 830 (such as one or more mass memory units).

Wherein, memory 832 and storage medium 830 can be of short duration storage or persistently storage.

The program stored in storage medium 830 can include one or more modules (diagram is not marked), Each module can be included to the series of instructions operation in payment system service end.

Further, central processing unit 822 could be arranged to be communicated with storage medium 830, pay The series of instructions operation in storage medium 830 is performed in server of the system 800.

Payment system service end 800 can also include one or more power supplys 826, one or one with Upper wired or wireless network interface 850, one or more input/output interfaces 858, and/or, one Or more than one operating system 841, such as Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..

The payment system service end shown in Fig. 8 performs the detailed process of method of payment, please refer to Fig. 2 It is any shown to Fig. 3, do not repeat in the present embodiment specifically.

Fig. 6 to Fig. 7 is illustrated from functional module angle to the concrete structure of the payment devices, below The concrete structure of the payment devices is illustrated from entity hardware point of view with reference to shown in Fig. 9：

As shown in figure 9, for convenience of description, illustrate only the part related to the embodiment of the present invention, have Body technique details is not disclosed, and refer to present invention method part.

The payment devices can for smart mobile phone, panel computer, PDA (Personal Digital Assistant, Personal digital assistant), POS (Point of Sales, sales payment equipment), the arbitrary equipment such as vehicle-mounted computer, The present embodiment is so that payment devices are as smart mobile phone as an example：

Fig. 9 is illustrated that the block diagram with the part-structure of payment devices provided in an embodiment of the present invention.

With reference to Fig. 9, payment devices include：Radio frequency (Radio Frequency, RF) circuit 910, storage Device 920, input block 930, display unit 940, sensor 950, voicefrequency circuit 960, Wireless Fidelity The parts such as (wireless fidelity, WiFi) module 970, processor 980 and power supply 990.

It will be understood by those skilled in the art that the payment devices structure shown in Fig. 9 is not constituted to paying The restriction of equipment, can include part more more or less than diagram, or combine some parts, or Different part arrangements.

Each component parts of payment devices is specifically introduced with reference to Fig. 9：

RF circuits 910 can be used to receiving and sending messages or communication process in, the reception and transmission of signal, especially, After the downlink information of base station is received, processed to processor 980；In addition, up data hair will be designed Give base station.

Generally, RF circuits 910 include but is not limited to antenna, at least one amplifier, transceiver, coupling Clutch, low-noise amplifier (Low Noise Amplifier, LNA), duplexer etc..

Additionally, RF circuits 910 can also be communicated by radio communication with network and other equipment.

Above-mentioned radio communication can use any communication standard or agreement, and the including but not limited to whole world is mobile logical News system (Global System of Mobile communication, GSM), general packet radio service (General Packet Radio Service, GPRS), CDMA (Code Division Multiple Access, CDMA), WCDMA (Wideband Code Division Multiple Access, WCDMA), Long Term Evolution (Long Term Evolution, LTE), Email, Short Message Service (Short Messaging Service, SMS) etc..

Memory 920 can be used to store software program and module, and processor 980 is existed by running storage The software program and module of memory 920, so as to perform the various function application and number of payment devices According to treatment.

Memory 920 can mainly include storing program area and storage data field, wherein, storing program area can Application program needed for storage program area, at least one function (broadcast by such as sound-playing function, image Playing function etc.) etc.；Storage data field can be stored and use created data (such as according to payment devices Voice data, phone directory etc.) etc..

Additionally, memory 920 can include high-speed random access memory, can also include non-volatile Memory, for example, at least one disk memory, flush memory device or other volatile solid-states Part.

Input block 930 can be used to receive the numeral or character information of input, and produce and payment devices User set and function control it is relevant key signals input.

Specifically, input block 930 may include contact panel 931 and other input equipments 932.

Contact panel 931, also referred to as touch-screen, can collect user thereon or neighbouring touch operation (ratio Such as user uses finger, any suitable object of stylus or annex on contact panel 931 or in touch-control Operation near panel 931), and corresponding attachment means are driven according to formula set in advance.

Optionally, contact panel 931 may include two parts of touch detecting apparatus and touch controller.

Wherein, touch detecting apparatus detect the touch orientation of user, and detect the signal that touch operation brings, Transmit a signal to touch controller；Touch controller receives touch information from touch detecting apparatus, and Contact coordinate is converted into, then gives processor 980, and the order that energy receiving processor 980 is sent is simultaneously Performed.

Furthermore, it is possible to be realized using polytypes such as resistance-type, condenser type, infrared ray and surface acoustic waves Contact panel 931.

Except contact panel 931, input block 930 can also include other input equipments 932.Specifically, Other input equipments 932 can include but is not limited to physical keyboard, function key (such as volume control button, Switch key etc.), trace ball, mouse, one or more in action bars etc..

Display unit 940 can be used for display by the information of user input or be supplied to the information and branch of user The various menus of dispensing apparatus.

Display unit 940 may include display panel 941, optionally, can use liquid crystal display (Liquid Crystal Display, LCD), Organic Light Emitting Diode (Organic Light-Emitting Diode, OLED) Display panel 941 is configured etc. form.

Further, contact panel 931 can cover display panel 941, when contact panel 931 is detected After touch operation on or near it, processor 980 is sent to determine the type of touch event, then Processor 980 provides corresponding visual output according to the type of touch event on display panel 941.Though So in fig .9, contact panel 931 is that branch is realized as two independent parts with display panel 941 The input of dispensing apparatus and input function, but in some embodiments it is possible to by contact panel 931 with it is aobvious Show panel 941 integrated and input that is realizing payment devices and output function.

Payment devices may also include at least one sensor 950, such as optical sensor, motion sensor and Other sensors.Specifically, optical sensor may include ambient light sensor and proximity transducer, wherein, Ambient light sensor can adjust the brightness of display panel 941 according to the light and shade of ambient light, close to sensing Device can close display panel 941 and/or backlight when payment devices are moved in one's ear.As motion-sensing One kind of device, the size of (generally three axles) acceleration in the detectable all directions of accelerometer sensor, Size and the direction of gravity are can detect that when static, can be used for the application of identification payment devices attitude (such as Horizontal/vertical screen switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, Tap) etc.；It is the gyroscope that be can also configure as payment devices, barometer, hygrometer, thermometer, infrared The other sensors such as line sensor, will not be repeated here.

Voicefrequency circuit 960, loudspeaker 961, microphone 962 can provide the sound between user and payment devices Frequency interface.Electric signal after the voice data conversion that voicefrequency circuit 960 will can be received, is transferred to and raises one's voice Device 961, is converted to voice signal and exports by loudspeaker 961；On the other hand, microphone 962 by collect Voice signal is converted to electric signal, is converted to voice data after being received by voicefrequency circuit 960, then by audio After the treatment of data output processing device 980, through RF circuits 910 being sent to such as another payment devices, or Person exports to memory 920 so as to further treatment voice data.

WiFi belongs to short range wireless transmission technology, and payment devices can help use by WiFi module 970 Family sends and receive e-mail, browses webpage and access streaming video etc., and it has provided the user wireless broadband Internet access.Although Fig. 9 shows WiFi module 970, but it is understood that, it does not belong to In must be configured into for payment devices, completely can as needed in the essential scope for do not change invention and Omit.

Processor 980 is the control centre of payment devices, is entirely paid using various interfaces and connection The various pieces of equipment, by running or performing software program and/or module of the storage in memory 920, And data of the storage in memory 920 are called, the various functions and processing data of payment devices are performed, So as to carry out integral monitoring to payment devices.Optionally, processor 980 may include that one or more are processed Unit；Preferably, processor 980 can integrated application processor and modem processor, wherein, should Operating system, user interface and application program etc. are mainly processed with processor, modem processor is main Treatment radio communication.It is understood that above-mentioned modem processor can not also be integrated into processor In 980.

Payment devices also include the power supply 990 (such as battery) powered to all parts, it is preferred that power supply Can be logically contiguous with processor 980 by power-supply management system, so as to be realized by power-supply management system The functions such as management charging, electric discharge and power managed.

Although not shown, payment devices can also will not be repeated here including camera, bluetooth module etc..

The detailed process that payment devices shown in the present embodiment perform method of payment please refer to Fig. 2 to Fig. 3 Shown in one, do not repeat in the present embodiment specifically.

It is apparent to those skilled in the art that, it is for convenience and simplicity of description, above-mentioned to retouch The specific work process of the system, apparatus, and unit stated, may be referred to the correspondence in preceding method embodiment Process, will not be repeated here.

In several embodiments provided herein, it should be understood that disclosed system, device and Method, can realize by another way.For example, device embodiment described above is only to show Meaning property, for example, the division of the unit, only a kind of division of logic function can when actually realizing To there is other dividing mode, such as multiple units or component can be combined or be desirably integrated into another System, or some features can be ignored, or not perform.It is another, it is shown or discussed each other Coupling or direct-coupling or communication connection can be the INDIRECT COUPLING of device or unit by some interfaces Or communication connection, can be electrical, mechanical or other forms.

It is described as separating component illustrate unit can be or may not be it is physically separate, make For the part that unit shows can be or may not be physical location, you can with positioned at a place, Or can also be distributed on multiple NEs.Can select according to the actual needs part therein or Person whole units realize the purpose of this embodiment scheme.

In addition, during each functional unit in each embodiment of the invention can be integrated in a processing unit, Can also be that unit is individually physically present, it is also possible to which two or more units are integrated in a list In unit.Above-mentioned integrated unit can both be realized in the form of hardware, it would however also be possible to employ software function list The form of unit is realized.

If the integrated unit is to realize in the form of SFU software functional unit and as independent production marketing Or when using, can store in a computer read/write memory medium.Based on such understanding, this Part that the technical scheme of invention substantially contributes to prior art in other words or the technical scheme Can completely or partially be embodied in the form of software product, the computer software product is stored at one In storage medium, including some instructions are used to so that computer equipment (can be personal computer, Server, or the network equipment etc.) perform all or part of step of each embodiment methods described of the invention Suddenly.And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD Etc. it is various can be with the medium of store program codes.

The above, the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations； Although being described in detail to the present invention with reference to the foregoing embodiments, one of ordinary skill in the art should Work as understanding：It can still modify to the technical scheme described in foregoing embodiments, or to it Middle some technical characteristics carry out equivalent；And these modifications or replacement, do not make appropriate technical solution Essence depart from various embodiments of the present invention technical scheme spirit and scope.

Claims

1. a kind of method of payment, it is characterised in that including：

The pretreatment operation includes determining the amount of money of the payment account remaining sum more than or equal to transaction funds, institute State payment system service end generation pre-processed results information, the pre-processed results information and the beneficiary Correspondence, and the pre-processed results information is for asking the payment devices to determine whether to provide the transaction Gold pays the beneficiary；

The payment system service end is based on unstructured supplementary service data USSD sessions by the pre- place Reason object information is sent to the payment devices.

2. method according to claim 1, it is characterised in that the pretreatment operation also include with One or more shown in lower：

The payment system service end generation pre-processed results information also includes：

3. method according to claim 1 and 2, it is characterised in that the pre-processed results information Including the first prompt message, first prompt message is used to point out user input configured information, the finger Show that information is used to indicate whether to pay the beneficiary by the transaction funds；

The payment system service end is based on unstructured supplementary service data USSD sessions by the pre- place Reason object information is sent to after the payment devices, and methods described also includes：

The payment system service end receives the configured information that the payment devices send；

4. method according to claim 3, it is characterised in that the payment system service end is received After the configured information that the payment devices send, methods described also includes：

If the payment system service end determines to continuously receive for indicating not pay the transaction funds Number of times to the configured information of the beneficiary is more than preset value, then the payment system service end is frozen Tie the payment account of payment devices.

5. method according to claim 1 and 2, it is characterised in that the pre-processed results information Including the second prompt message, second prompt message is used to point out user input payment cipher, and described Second prompt message is additionally operable to prompting user input to be used to indicate not pay the receipts by the transaction funds The configured information of money side；

The payment system service end receives the payment cipher that the payment devices send；

Or,

The payment system service end receives not provided the transaction for instruction for the payment devices transmission Gold pays the configured information of the beneficiary, then the payment system service end Cancels Transaction.

6. method according to claim 5, it is characterised in that the payment system service end is based on The pre-processed results information is sent to the payment and set by unstructured supplementary service data USSD sessions After standby, methods described also includes：

If the payment system service end determines to continuously receive the payment cipher of mistake and/or for referring to Show and do not pay the number of times of the configured information of the beneficiary more than preset value by the transaction funds, Then the payment system service end freezes the payment account of payment devices.

7. method according to claim 1 and 2, it is characterised in that the payment system service end The pre-processed results information is sent to by the branch based on unstructured supplementary service data USSD sessions After dispensing apparatus, methods described also includes：

The payment system service end is not received by the letter that the payment devices send in Preset Time Breath, then the payment system service end Cancels Transaction.

8. the method according to any one of claim 1 to 7, it is characterised in that the pretreatment knot Fruit information also includes as shown below one or more：

9. a kind of method of payment, it is characterised in that including：

The payment devices are based on unstructured supplementary service data USSD sessions and receive pre-processed results letter Breath, the pre-processed results information is carried out for the payment system service end according to the payment request information To generate, the pretreatment operation includes determining payment account remaining sum more than or equal to transaction pretreatment operation The amount of money of fund, the pre-processed results information is corresponding with the beneficiary, and the pre-processed results are believed Cease for asking the payment devices to determine whether to pay the beneficiary by the transaction funds.

10. method according to claim 9, it is characterised in that the pre-processed results packet The first prompt message is included, first prompt message is used to point out user input configured information, the instruction Information is used to indicate whether to pay the beneficiary by the transaction funds；

The payment devices are based on unstructured supplementary service data USSD sessions and receive the pretreatment knot After fruit information, methods described also includes：

The payment devices transaction funds will be paid the instruction of the beneficiary for instruction Information is sent to the payment system service end, so that the payment system service end is by the transaction funds Pay the beneficiary；

Or,

The payment devices transaction funds will not be paid the finger of the beneficiary for instruction Show that information is sent to the payment system service end, so that the payment system service end Cancels Transaction.

11. methods according to claim 9, it is characterised in that the pre-processed results packet Include the second prompt message, second prompt message is used to pointing out user input payment cipher, and described the Two prompt messages are additionally operable to prompting user input to be used to indicate not pay the gathering by the transaction funds The configured information of side；

The payment cipher is sent to the payment system service end by the payment devices, so that the branch Server of the system is paid in the case of it is determined that the payment cipher is correct, institute is paid by the transaction funds Beneficiary is stated, or, so that the payment system service end is it is determined that the situation of the payment cipher mistake Under, Cancel Transaction；

Or,

12. method according to any one of claim 9 to 11, it is characterised in that the pretreatment Object information also includes as shown below one or more：

A kind of 13. payment system service ends, it is characterised in that including：

14. payment system service ends according to claim 13, it is characterised in that

The 15. payment system service end according to claim 13 or 14, it is characterised in that described Pre-processed results information includes the first prompt message, and first prompt message is used to point out user input to refer to Show information, the configured information is used to indicate whether to pay the beneficiary by the transaction funds；

The payment system service end also includes：

Or, the payment system service end also includes：

16. payment system service ends according to claim 15, it is characterised in that the payment system System service end also includes：

A kind of 17. payment devices, it is characterised in that including：

18. payment devices according to claim 17, it is characterised in that the pre-processed results letter Breath includes the first prompt message, and first prompt message is used to point out user input configured information, described Configured information is used to indicate whether to pay the beneficiary by the transaction funds；

The payment devices also include：

Or,

The payment devices also include：

19. payment devices according to claim 17, it is characterised in that the pre-processed results letter Breath includes the second prompt message, and second prompt message is used to point out user input payment cipher, and institute State the second prompt message and be additionally operable to prompting user input for indicating not pay described by the transaction funds The configured information of beneficiary；

The payment devices also include：

Or,

The payment devices also include：