CN107657445A - A kind of on-line payment method and on-line payment system - Google Patents
A kind of on-line payment method and on-line payment system Download PDFInfo
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- CN107657445A CN107657445A CN201710536623.4A CN201710536623A CN107657445A CN 107657445 A CN107657445 A CN 107657445A CN 201710536623 A CN201710536623 A CN 201710536623A CN 107657445 A CN107657445 A CN 107657445A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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Abstract
The present invention is applied to Internet technical field, there is provided a kind of on-line payment method and on-line payment system, including：Acquisition for mobile terminal trademark image, and the trademark image is uploaded onto the server；The server parses user account corresponding with the trademark image, and obtains the payment information associated with the user account；The payment information associated with the user account that the mobile terminal returns according to the server, generation pay the page, so that user performs on-line payment operation in the page is paid.This invention ensures that even if offender has forged other people trademark image, the correct payment information that mobile terminal can also be returned based on server generates the payment page, therefore improves the security of internet payment.Because trademark image is not Quick Response Code, its own will not carry web page interlinkage, thus even if mobile scanning terminal trademark image, also will not directly open the web page interlinkage for carrying security risk, thus also enhance safety of payment.
Description
Technical field
The invention belongs to Internet technical field, more particularly to a kind of on-line payment method and on-line payment system.
Background technology
At present, a kind of the most frequently used internet payment mode of people pays for Quick Response Code.Under this means of payment, business
Family can be assembled into the payment informations such as account, commodity price one Quick Response Code, and consumer sweeps bat Quick Response Code by cell-phone customer terminal,
Merchant payment can be given.Therefore, user, which gos out, need not carry wallet, only need to be by a mobile phone, just can be convenient and quickly
Realize the payment and settlement with Merchant Account.
However, Quick Response Code is paid while providing convenient for everybody, also opportunity is created to criminal.One side
Face, because any user can make Quick Response Code by two-dimension code generator, therefore, criminal need to only be forged into businessman
Quick Response Code, allow consumer to think that the Quick Response Code oneself scanned is the Quick Response Code of businessman, just can pacify to enjoy receiving consumption carefreely
The fund that person is paid.On the other hand, the content of most of Quick Response Code carryings is a web page interlinkage, due to the two dimension in mobile phone
Code recognition software does not have the identification and the ability intercepted to malice network address, and therefore, user is after the Quick Response Code is scanned, hand
Machine will directly open the malice network address corresponding to Quick Response Code.Now, the presence of rogue program, it would be possible to cause to store in mobile phone
Address list, the bank card number and all kinds of privacy informations such as identifying code for sending of bank can all leak out when paying.Hereafter,
Offender just can the privacy information based on user, the money in user account is directly transferred to the personal account of oneself, with realize
The purpose of swindle.Therefore, there is the problem of security is relatively low in existing internet payment mode.
The content of the invention
In view of this, it is existing to solve the embodiments of the invention provide a kind of on-line payment method and on-line payment system
The problem of security is relatively low in internet payment mode.
The first aspect of the embodiment of the present invention provides a kind of on-line payment method, including：
Acquisition for mobile terminal trademark image, and the trademark image is uploaded onto the server；
The server parses user account corresponding with the trademark image, and obtains and associated with the user account
Payment information；
The payment information associated with the user account that the mobile terminal returns according to the server, generation are paid
The page, so that user performs on-line payment operation in the payment page.
The second aspect of the embodiment of the present invention provides a kind of on-line payment system, including mobile terminal and server,
The mobile terminal is used to obtain trademark image, and the trademark image is uploaded into the server；
The server is used to parse user account corresponding with the trademark image, and obtains and the user account
The payment information of association；
The mobile terminal is additionally operable to the payment information associated with the user account returned according to the server, raw
Into the page is paid, so that user performs on-line payment operation in the payment page.
In the embodiment of the present invention, by the way that trademark image is uploaded onto the server, trademark image pair is parsed by server
The user account answered, and the payment information associated with user account is returned, even if ensure that offender has forged other people business
Logo image, correct payment information that mobile terminal can also be returned based on server generate the payment page, therefore improve
The security of internet payment.Because trademark image is not Quick Response Code, its own will not carry web page interlinkage, thus avoid shifting
After moving terminal scanning trademark image, the web page interlinkage for carrying security risk will be directly opened, thus also improves user
Safety of payment.
Brief description of the drawings
Technical scheme in order to illustrate the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
In the required accompanying drawing used be briefly described, it should be apparent that, drawings in the following description be only the present invention some
Embodiment, for those of ordinary skill in the art, without having to pay creative labor, can also be according to these
Accompanying drawing obtains other accompanying drawings.
Fig. 1 is the system architecture diagram that the on-line payment method that the embodiment of the present invention one provides is applicable；
Fig. 2 is the implementation process figure for the on-line payment method that the embodiment of the present invention two provides；
Fig. 3 is the specific implementation flow chart for the on-line payment method S202 that the embodiment of the present invention two provides；
Fig. 4 is the implementation process figure for the on-line payment method that the embodiment of the present invention three provides；
Fig. 5 is the payment mode button option schematic diagram that the embodiment of the present invention three provides；
Fig. 6 is the bank settlement schematic flow sheet that the embodiment of the present invention three provides；
Fig. 7 is that on-line payment method that the embodiment of the present invention three provides one realizes schematic diagram；
Fig. 8 is that the another of on-line payment method that the embodiment of the present invention three provides realizes schematic diagram；
Fig. 9 is the implementation process figure for the on-line payment method that the embodiment of the present invention four provides；
Figure 10 is that the brand authentication flow that the embodiment of the present invention four provides realizes schematic diagram；
Figure 11 is the implementation process figure for the on-line payment method that the embodiment of the present invention five provides；
Figure 12 is the schematic flow sheet for the on-line payment method that the embodiment of the present invention five provides；
Figure 13 is the implementation process figure for the on-line payment method that the embodiment of the present invention six provides；
Figure 14 is the image in 2 D code schematic diagram for the elephant group that the embodiment of the present invention six provides；
Figure 15 is the schematic flow sheet for the on-line payment method that the embodiment of the present invention six provides；
Figure 16 is the idiographic flow schematic diagram for the on-line payment method S1202 that the embodiment of the present invention six provides；
Figure 17 is the image in 2 D code schematic diagram for the elephant group that the embodiment of the present invention seven provides；
Figure 18 is the implementation process figure for the on-line payment method that the embodiment of the present invention seven provides；
Figure 19 is the structured flowchart for the on-line payment system that the embodiment of the present invention eight provides.
Embodiment
In describing below, in order to illustrate rather than in order to limit, it is proposed that such as tool of particular system structure, technology etc
Body details, thoroughly to understand the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention can also be realized in the other embodiments of details.In other situations, omit to well-known system, device, electricity
Road and the detailed description of method, in case unnecessary details hinders description of the invention.
In order to illustrate technical solutions according to the invention, illustrated below by specific embodiment.
Embodiment one
Fig. 1 shows the system architecture diagram that on-line payment method provided in an embodiment of the present invention is applicable, for the ease of saying
It is bright, it illustrate only part related to the present embodiment.
Reference picture 1, the system are made up of server 11 and multiple mobile terminals 12.Wherein, server 11 is used for according to shifting
The trade mark registration information and payment accounts that dynamic terminal 12 uploads in advance, are created and the trade mark registration information and payment accounts
The user account of association, and store all kinds of disbursement letters such as user account and trade mark registration information, payment accounts and payment link
The corresponding relation of breath.It is mobile whole to cause meanwhile server 11 is additionally operable to provide payment information inquiry service for mobile terminal 12
The payment information that end 12 is returned according to server 11, payment page code can be got, and the page is paid in local parsing
The payment page is rendered after code, allows the user to complete on-line payment operation in the page is paid.
Within the system, mobile terminal 12 is used to provide running environment for application client or webpage client.
Mobile terminal 12 can be connected by running above-mentioned application client or webpage client with the server 12 on backstage
Connect letter.Mobile terminal 12 can send the trademark image acquired to server 11, and be returned receiving server
Payment information when, generation pay the page.Meanwhile mobile terminal 12 can also be used for receiving the branch of user's input in the page is paid
The amount of money and payment cipher are paid, so that user completes delivery operation.
Preferably, the system also includes the server 13 of Third-party payment platform, for being third party's branch paying the page
When paying the accession page of platform, the payment that response mobile terminal 12 is sent is asked, the payment gold corresponding by request is paid
Volume is transferred to the payment accounts of matching.
Embodiment two
Fig. 2 shows the implementation process figure of on-line payment method provided in an embodiment of the present invention, and details are as follows：
S201：Acquisition for mobile terminal trademark image, and the trademark image is uploaded onto the server.
In the embodiment of the present invention, mobile terminal includes but is not limited to smart mobile phone, flat board and palm PC (Personal
Digital Assistant, PDA) etc. mobile end equipment.Wherein, above-mentioned mobile terminal also includes camera and display screen,
For realizing the shooting management to trademark image and the displaying to paying the page.
In the embodiment of the present invention, trademark image for it is any can be by natural person, legal person or the commodity of its hetero-organization and he
The visual mark that the commodity of people are distinguished, including but not limited to word, figure, letter, numeral, three-dimensional symbol, color with
And as combined by above-mentioned arbitrary one or more elements into image.Trademark image can be attached to merchant store or be showed in
In other media.For example, in the webpage client that the mobile terminal for being showed in the first user is run.When second user utilizes it
The application client or webpage client that mobile terminal is run, the trademark image of the first user is shot or swept
After retouching processing, the trademark image that the mobile terminal of second user is detected is uploaded to the server on backstage.
S202：The server parses user account corresponding with the trademark image, and obtains and user's account
Number association payment information.
The corresponding relation of trademark image and user account is pre-stored within tables of data, and the tables of data can be stored in service
Inside device, it is stored in the external data base that is connected with server communication.Trademark image recorded in tables of data is
By the trademark image for auditing certification.Multinomial information, including but not limited to user's account are stored with each record of tables of data
Number, trademark image, brand name, payment accounts, payment link and history payment record etc..Wherein, payment link is used for straight
Chain link connects the payment accounts corresponding to user account so that the Payment Amount inputted by the payment link can be imported directly
Payment accounts associated by the payment link, the collection amount inputted by the payment link can be sent to the payment link
In associated payment accounts.
As the implementation example of the present invention, the server parses user's account corresponding with the trademark image
Number, including：When server receives the trademark image that mobile terminal is uploaded, the trademark image is inputted into default neutral net
Model.According to the output result of neural network model, label information corresponding to trademark image is obtained, label information includes user's account
Number.
Wherein, the training process of neural network model is as follows：Obtain the trademark image of multiple known label information；Structure volume
Product neural network model, and initialize its network model weights；Network model weights and default network by initialization
Structure, calculate the label information of each trademark image；Believed according to the true tag for the label information and trademark image being calculated
The error of breath, the network model weight of convolutional neural networks model is adjusted, and passes back through the network model of initialization
Weights and default network structure, the step of calculating the label information of each trademark image, until the label letter being calculated
When the error of the true tag information of breath and trademark image is within preset range, by the convolutional neural networks model at current time
It is defined as the neural network model of the trademark image for parsing mobile terminal upload.
Another as the present invention implements example, and the server parses user's account corresponding with the trademark image
Number, including：Server determines the business that mobile terminal uploads according to the corresponding relation of pre-stored trademark image and user account
Logo image is identical with which trademark image stored in tables of data, to determine the note for including the trademark image in tables of data
Record, and it is defined as user account corresponding with the trademark image by corresponding user account is recorded.
After server reads the every payment information associated with user account, payment information is back to mobile terminal.
In the embodiment of the present invention, payment information for example can be the head portrait of payment link, payment accounts and user account
Deng.Payment link includes the resource address (URL, Uniform Resoure Locator) on internet, also includes being used to perform
The page link redirected inside client.
The trademark image that mobile terminal is uploaded is not present in tables of data if detecting, or neural network model can not parse
Go out user account corresponding to trademark image, then server returns to identification error message to mobile terminal, to ask mobile terminal weight
Newly obtain and upload trademark image.
Preferably, as shown in figure 3, above-mentioned S202 is specifically included：
S2021：The server parses to the trademark image, to obtain the trade (brand) name in the trademark image
Claim.
S2022：The server matches user's account corresponding with the brand name according to pre-stored corresponding relation
Number, and obtain the payment information associated with the user account.
Exemplarily, in the above-mentioned training process of neural network model, the known label information of each trademark image is also
Known brand name can be included.Therefore, when receiving the trademark image of mobile terminal upload, by the way that trademark image is defeated
Enter neural network model, the brand name of the trademark image can be parsed.In tables of data, according to pre-stored brand name
And the corresponding relation of user account, user account corresponding with the brand name parsed can be found out, so as to obtain with being somebody's turn to do
The payment information of user account association.
Exemplarily, server can also pre-process to trademark image, to judge whether there is word in trademark image
Mark.If having words identification in trademark image, the words identification is defined as brand name, and according to pre-stored trade mark
The corresponding relation of title and user account, user account corresponding with the brand name is matched in tables of data.
In the embodiment of the present invention, in the case where trademark image includes words identification, by the way that words identification is identified,
And the words identification recognized is defined as brand name, can be according to the corresponding relation of brand name and user account come directly
User account is determined, is uploaded without calculating pre-stored each trademark image by image recognition algorithm again with mobile terminal
Trademark image between similarity, reduce the calculating data volume of system, improve the matching speed of user account, thus plus
The payment efficiency of fast user.Further, since brand name is specific words identification, use is matched using accurate words identification
Family account, it also can further improve the recognition accuracy of user account.
S203：The payment information associated with the user account that the mobile terminal returns according to the server, it is raw
Into the page is paid, so that user performs on-line payment operation in the payment page.
The payment information that the automatic resolution server of mobile terminal is returned, page is paid corresponding to the payment link to generate
Face.In the page is paid, mobile terminal can receive the on-line payment operational order that user sends, and including but not limited to obtain user
Payment, payment cipher or payment affirmation instruction of input etc..
In the embodiment of the present invention, by the way that trademark image is uploaded onto the server, it is corresponding that trademark image is parsed by server
User account, and the payment information that is associated with user account is returned to, even if ensure that offender has forged other people trade mark
Image, correct payment information that mobile terminal can also be returned based on server generate the payment page, therefore improve mutually
The security that networking is paid.Because trademark image is not Quick Response Code, its own will not carry web page interlinkage, thus avoid movement
After terminal scanning trademark image, the web page interlinkage for carrying security risk will be directly opened, thus also improve user's
Safety of payment.
Embodiment three
As one embodiment of the present of invention, on the basis of above-described embodiment two, the execution flow of delivery operation is made
It is further to limit.As shown in figure 4, before above-mentioned S201, in addition to S401；Above-mentioned S203 specifically includes S2031.Each step is real
Existing principle is specific as follows：
S401：The mobile terminal chooses instruction according to the payment mode received, determines the payment mode at current time,
The payment mode is payment mode or gathering pattern.
In the embodiment of the present invention, in order to determine the type of the delivery operation performed needed for user, in acquisition for mobile terminal business
Before logo image, in above-mentioned application client or webpage client, user is prompted to choose the payment mode at current time.
Payment mode is payment mode or gathering pattern.
Exemplarily, as shown in figure 5, when mobile terminal enables above-mentioned application client or webpage client,
Trade mark scans the lower section at interface, and displaying has " I will collect money " and " I will pay the bill " two button options.If mobile terminal detects
Button to " I will collect money " chooses instruction, it is determined that the payment mode at current time is gathering pattern；If mobile terminal detects
To " I will pay the bill " button choose instruction when, it is determined that the payment mode at current time is payment mode.
S2031：The payment information associated with the user account that the mobile terminal returns according to the server, it is raw
The page is paid into corresponding with the payment mode, so that user performs on-line payment operation in the payment page.
, can be according to payment mode of the user in S401 after mobile terminal receives the payment information associated with user account
To accurately generate the payment page or the gathering page needed for user.
In order to make it easy to understand, Fig. 6 shows bank settlement schematic flow sheet provided in an embodiment of the present invention.
If the payment mode at current time is payment mode, in S203, returned according to server with user's account
Number association payment information, mobile terminal generation payment the page.Mobile terminal is while the user account of beneficiary is shown, also
Paying party can be selected in the page of paying the bill in the side of requesting for payment (i.e. mobile terminal user) input Payment Amount and the side of requesting for payment
Formula.Wherein, payment method includes local payment and Third-party payment.Third-party payment includes but is not limited to wechat and pays, props up
Treasured is paid, cloud sudden strain of a muscle is paid and interchanger is paid etc. is paid, it is straight with application client or webpage client institute locally to pay expression
The payment platform of association is connect to pay.
When detecting the payment method of paying party selection locally to pay, the input of mobile terminal request paying party pays close
Code, and payment cipher is uploaded onto the server, so that the correctness of server authentication payment cipher.If payment cipher is correct,
The payment request for carrying Payment Amount that server is sent according to mobile terminal, will be pre-stored in the payment accounts of paying party
Fund is transferred in the payment accounts corresponding to user account.Also, successful payment result is back to payment by server respectively
In the client that side and beneficiary are separately operable.
When detect user selection payment method for Third-party payment when, the Third-party payment connected with server is put down
The server of platform carrys out the correctness of validation of payment password and completes the circulation operation of payment accounts fund.
If the payment mode at current time is gathering pattern, in S203, returned according to server with user's account
Number association payment information, mobile terminal generation gathering the page.Mobile terminal is while the user account of paying party is shown, also
Beneficiary input collection amount can be asked in the page of collecting money.Mobile terminal sends the gathering request for carrying collection amount extremely
The client of paying party.Now, the mobile terminal displaying collection amount of paying party, and the side of requesting for payment selects the means of payment, defeated
Enter payment cipher and input payment confirms instruction etc..
When detecting the payment method of paying party selection locally to pay, payment cipher is uploaded to service by mobile terminal
Device, so that the correctness of server authentication payment cipher.If payment cipher is correct, server is asked according to gathering, will be prestored
In the payment accounts that the fund of the payment accounts of user account is transferred to corresponding to beneficiary.Also, server will pay into
Work(result is back in the client that paying party and beneficiary are separately operable respectively.
When detect user selection payment method for Third-party payment when, the Third-party payment connected with server is put down
The server of platform carrys out the correctness of validation of payment password and completes transferring accounts for account fund.
Wherein, if the payment that paying party input is not detected by preset duration confirms instruction, server will pay and lose
Result is lost to be back to respectively in the client that paying party and beneficiary are separately operable.
In the embodiment of the present invention, by detecting the payment mode selected by user so that server being capable of accurate judgement shifting
The payment page of generation needed for dynamic terminal is still collected money the page for the payment page.Based on different payment modes, for same use
For family, it can be used as paying party, beneficiary can also be used as, so that server can accurately determine fund flow
Direction, improve flexibility and the accuracy of transfer of payment.
As the specific implementation example of the present invention, Fig. 7 shows on-line payment method provided in an embodiment of the present invention
Realize schematic diagram.In Fig. 7, trade mark payment system is the server in above-mentioned on-line payment embodiment of the method, and it includes multiple
Subsystem, such as transaction system, trade company's management system, settle accounts calculation system, support system and brand recognition pay access system
Deng.Alternatively, trade mark payment system can be connected with the payment content platform communication of outside, and it is third party's branch to pay content platform
Pay platform.Trade mark payment system can receive the trademark image of mobile terminal user's upload, and be moved according to the trademark image to handle
The trade mark that dynamic terminal user sends pays request.The realization principle of the realization principle of the processing procedure and above-mentioned on-line payment method
It is identical, therefore do not repeat one by one.It is worth noting that, in this example, mobile terminal user can be by with trade mark payment function
Application client or acquiescence possesses the mobile terminal of trade mark payment function to upload trademark image or hair during by dispatching from the factory
Go out trade mark and pay request.
As another specific implementation example of the present invention, as shown in figure 8, trade mark payment system is distributed system, its
To establish the software systems on network, can be distributed in the server of multiple diverse geographic locations.In this example, trade mark branch
The system of paying is docked with multiple Third-party payment platforms, to complete the multi-platform payment function based on trademark image.
Example IV
On the basis of above-described embodiment two, as shown in figure 9, before above-mentioned S201, in addition to：
S901：The server obtains the trade mark registration information and payment accounts of user, to believe the trade mark registration
Breath and payment accounts carry out examination ＆ verification processing, and the trade mark registration information includes the trademark image.
S902：If receiving examination ＆ verification confirmation, the server creates and is based on the trade mark registration information and branch
The user account for the number of paying a bill.
In the embodiment of the present invention, only after the trade mark registration information and payment accounts that user uploads are by auditing confirmation,
The user account of the user is just created, and the every payment information associated with user account is stored in tables of data.
Specifically, as shown in Figure 10, the application client or webpage client that mobile terminal is run are provided with business
Mark authentication function option.When user have chosen the brand authentication function choosing-item in its mobile terminal, mobile terminal sends business
Mark certification request.Server request user's upload brand authentication information, including trade mark registration information, payment accounts and individual/
Enterprise's certificate information etc..Wherein, trade mark registration information includes the trade mark registration certificate and trademark image of registered trade mark, also wraps
Include the trademark image of unknown-input observer.When server gets the brand authentication information that mobile terminal is uploaded, judge that it is wrapped
Whether the trade mark registration information contained is present in tables of data.
If the trade mark registration information is present in tables of data, and the individual corresponding to trade mark registration information/enterprise's certificate
Information is identical with currently received individual/enterprise's certificate information, it is determined that the user has created user account, thus should
The data of user account improves the mobile terminal that prompt message is back to the user.When detecting the institute corresponding to the user account
When having the data information to have improved, server is by return authentication success prompt message, and by the user account, trade mark registration information
It is stored in the corresponding relation of every data information in tables of data.Data information includes but is not limited to brand name, individual/enterprise
Certificate information and above-mentioned payment information.
If the trademark image does not exist in tables of data, server sends prompt message, to prompt keeper or the 3rd
The server of square payment platform carries out examination ＆ verification confirmation to the trade mark registration information and its corresponding every certificate information.When receiving
When auditing confirmation, server creates the user account of the user.It is equal in all data informations corresponding to the trademark image
After improving, the corresponding relation of the user account, trademark image, payment accounts, payment link and every certificate information is deposited
It is stored in tables of data.It for details, reference can be made to table 1.
Table 1
As shown in Table 1, user can be correspondingly arranged multiple payment accounts, multiple trade (brand) names in one user account
Claim and multiple trademark images, blanket brand image can correspond to multiple payment accounts, same payment accounts can also correspond to more
Individual trademark image, but each user account is at least corresponding with a trademark image and a payment accounts.
In the embodiment of the present invention, the trade mark registration information and payment accounts that are uploaded by obtaining mobile terminal, it ensure that
Trademark image by examination ＆ verification can just be used for scanning and pay, and avoid the trademark image of legal businessman is made by criminal's certification
With, thus improve the feasibility, reliability and security of on-line payment system.
Embodiment five
As one embodiment of the present of invention, on the basis of above-mentioned each embodiment, when the means of payment is payment mode
When, it is further to the matching way of user account to be limited.As shown in figure 11, after above-mentioned S202, before S203, also wrap
Include：
S1101：If detecting the multiple payment accounts associated with the user account, the server obtains the shifting
The geographical position of dynamic terminal.
The embodiment of the present invention is applied to same trade company has different branches or same trade company to exist in different cities
Same city has under the scene in different branch, now, business revenue of the trade company in different cities or the battalion in different branch
Receipts should be attributed to different bank accounts, therefore, right because different payment accounts are represented by the different bank account of businessman
For same trade company, it can set multiple corresponding payment accounts under same user account, as shown in Table 1 above.If clothes
Business device detects that the quantity of the payment accounts corresponding to the user account of trade company is more than one, then server request mobile terminal uploads
Its geographical position.GPS that the geographical location information base of mobile terminal is set in the inner (GlobalPositioning System, entirely
Ball alignment system) locating module realizes.If the mobile terminal is mobile phone, in addition to the positioning based on mobile operation network base station
Mode.The geographical location information that mobile terminal uploads can have a many forms, including but not limited to latitude and longitude coordinates data,
Three-dimensional data etc..
The geographical location information that server uploads according to mobile terminal, determine the position that mobile terminal user is presently in
Put.
S1102：The server determines a branch corresponding with the geographical position from the multiple payment accounts
The number of paying a bill.
In the embodiment of the present invention, after the user account corresponding to the trademark image of mobile terminal upload is determined, in order to
Further determine that current time be used for collect money a payment accounts, be pre-stored tables of data in, be each payment accounts
The geographical position of one association is set.Exemplarily, reference can be made to table 2：
Table 2
User can be set each under the user account of oneself during brand authentication is applied for when improving data information
Geographical position associated by individual payment accounts.
When one user account corresponds to multiple payment accounts, as shown in Table 2, the i.e. corresponding multiple geographical positions of the user account
Put.The geographical position being presently according to mobile terminal, in multiple payment accounts corresponding to server from user account, it is determined that
Go out the payment accounts matched with the geographical position, so as to which the related payment information of the payment accounts to be defined as needing to return
To the payment information of mobile terminal.
S1103：The server obtains the payment information related to the payment accounts determined.
When mobile terminal receives the payment information associated with user account, pay page is generated according to the payment information
Face, so that paying party performs payment operation in the page of paying the bill, so that the fund that paying party is consumed can pay the bill to receipts
In the corresponding local payment accounts set in money side.
In order to make it easy to understand, Figure 12 shows the schematic flow sheet for the on-line payment method that the embodiment of the present invention is provided.
In the embodiment of the present invention, by determining the geographical position of current time paying party, and requestee is uploaded
The trademark image of trade company carries out dissection process, determines user account corresponding with trademark image, so that under the user account,
Obtain the payment accounts with the geographic location association, it is ensured that the received consumption fund of trade company can be automatically classified into difference
Bank account, improve the efficiency of management of the trade company to business revenue funds on account.
Embodiment six
As one embodiment of the present of invention, on the basis of above-mentioned each embodiment, as shown in figure 13, above-mentioned S201 has
Body includes S2011, after above-mentioned S202, in addition to S1301 and S1302.Details are as follows for the realization principle of each step：
S2011：Image in 2 D code described in the acquisition for mobile terminal, and the image in 2 D code is uploaded onto the server；
Wherein, the trademark image is included in the image in 2 D code.
The realization principle of this step is roughly the same with above-mentioned S201 realization principle, and difference is, in the embodiment of the present invention,
The image that mobile terminal is uploaded is the image in 2 D code for carrying the payment link of the other user, and the trademark image of the other user
As being contained in the image in 2 D code.
Exemplarily, Figure 14 shows an image in 2 D code of elephant enterprise, it is seen then that image in 2 D code center, bag
Trademark image containing elephant enterprise.
S1201：The server parses the second payment link corresponding to the image in 2 D code.
When server receive mobile terminal upload image in 2 D code when, by default Quick Response Code recognizer come pair
It carries out dissection process, to determine payment link that image in 2 D code is carried.Understand for the ease of distinguishing, by the payment chain
Connect referred to as the second payment link.Meanwhile server extracts the trademark image in image in 2 D code, and parse the trademark image
A corresponding user account, and then each first payment link corresponding to the user account is obtained in tables of data.
S1202：In each first payment link corresponding to the user account, if exist any first payment link with
Second payment link is identical, then the second payment link of certification mark safe to carry is back to the shifting by the server
Dynamic terminal.
If server is confirmed in each first payment link corresponding to the user account, exist identical with the second payment link
First payment link, then it represents that the image in 2 D code that mobile terminal is scanned be not for forge Quick Response Code, it is held
The second payment link carried is really the payment information that associate with user account, therefore, will carry that safety certification marks the
Two payment links are back to mobile terminal.
If server is confirmed in each first payment link corresponding to the user account, in the absence of with the second payment link phase
Same first payment link, then it represents that the image in 2 D code that mobile terminal is scanned is the Quick Response Code forged, and therefore, will be taken
The second payment link with risky alert flag is back to mobile terminal.
In S203, when mobile terminal receives the second payment link for carrying safety certification mark, based on to this
The access of second payment link, generation pays the page, and sends safety instruction information in the page is paid, to prompt user's branch
Pay the page through safety certification.
When mobile terminal receives the second payment link for carrying risky alert flag, based on to second payment chain
The access connect, generation pays the page, and sends risk information warning in the page is paid, to prompt user that the payment page has
Potential payment risk.
In order to make it easy to understand, above-mentioned implementation process for details, reference can be made to Figure 15.
In the embodiment of the present invention, by the way that the Quick Response Code means of payment and the trademark image means of payment are combined so that use
Family can still be fetched completion by the second payment chain entrained by Quick Response Code and be paid.Trademark image institute is identified by making server
In corresponding user account, if exist with one the first payment link of the second payment link identical corresponding to Quick Response Code,
And safety certification prompt message is sent in case of presence, risk information warning is sent in case of absence so that is used
Family using Quick Response Code while delivery operation is carried out, it is possible to increase the security of payment.
Embodiment seven
As one embodiment of the present of invention, on the basis of above-described embodiment six, as shown in figure 16, above-mentioned S1302 has
Body includes S13021 and S13022.Details are as follows for the realization principle of each step：
S13021：The server parses the brand name of the trademark image.
The image that mobile terminal is uploaded is the image in 2 D code for carrying payment link, and trademark image is contained in two dimension
In code image.After server parses to trademark image, the brand name of the trademark image can be acquired.
Exemplarily, Figure 17 shows the image in 2 D code of baby elephant enterprise.It can be seen that the center of the image in 2 D code includes
The trademark image of baby elephant enterprise, and the trademark image includes " baby elephant enterprise " words identification,
" the baby elephant enterprise " that then parsing obtains is then the brand name of the trademark image.
S13022：In each first payment link corresponding with the user account and the brand name, if depositing
Identical with second payment link in any first payment link, then the server is by the second of certification mark safe to carry
Payment link is back to the mobile terminal.
From the foregoing, it can be understood that in the tables of data that server is stored, record has each trade (brand) name corresponding to each user account
Claim.As shown in table 3：
Table 3
According to the trademark image extracted in image in 2 D code, server parses trade mark corresponding with the trademark image
Title and user account.Server is determined each corresponding to the brand name in the data record where user account
Individual payment link, and judging in each payment link corresponding to the brand name, if exist with image in 2 D code corresponding to
Second payment link of payment link identical one.
If in each payment link corresponding to the brand name, exist and the second payment link corresponding to image in 2 D code
One payment link of identical, then the server second payment link of certification mark safe to carry is back to movement
Terminal.
If in each payment link corresponding to the brand name, in the absence of with the second payment chain corresponding to image in 2 D code
One payment link of identical is connect, then second payment link for carrying risk alert flag is back to shifting by the server
Dynamic terminal.
The embodiment of the present invention possesses multiple shops suitable for same trade company, and each shop has the field of multiple Bank Account Numbers
Under scape, now, each shop has the exclusive trademark image in the shop, and its trademark image has unique brand name.
For example, in table 3, user account B by elephant group certification account, there are two shops under elephant group, be respectively " Guilin
Ground rice " and " Du family cuisines ".The trademark image in " Guilin rice-flour noodle " shop is trade mark 1, and brand name is " Guilin rice-flour noodle ", bank's account
Number it is payment accounts 66666 and payment accounts 77777, payment link is link 6 and link 7；The trade mark in " Du family cuisines " shop
Image is trade mark 2, and brand name is " Du family cuisines ", and Bank Account Number is payment accounts 88888 and payment accounts 99999, is paid
It is linked as link 8 and link 9.If consumer after " Du family cuisines " shop consumption, scans the image in 2 D code in the shop, then
Image in 2 D code is uploaded onto the server.After server extracts trademark image from image in 2 D code, by server to the business
Logo image carries out dissection process, and the user account for detecting to match with the trademark image is the user account B in table 3.Also, from
The words identification recognized in the trademark image extracted is " Du family cuisines ", then server is determined from user account B
Payment link corresponding to " Du family cuisines ", that is, link 8 and link 9.Server judges second that image in 2 D code is carried
Pay link whether be link 8 or link 9 in one.If so, then return to the second payment link for carrying safety certification mark；
If it is not, then return to the second payment link for carrying risky alert flag.Therefore, as long as the payment chain that image in 2 D code is carried
Connect be any payment accounts under shop payment link, you can ensure that the fund that is paid of consumer is correctly divided into the silver in shop
In row account, the security of Quick Response Code payment is which thereby enhanced.
The step realization principle do not mentioned in the embodiment of the present invention and the step realization principle phase in above-mentioned each embodiment
Together, therefore no longer repeat one by one.In order to make it easy to understand, above-mentioned implementation process for details, reference can be made to Figure 18.
In the embodiment of the present invention, by under the user account corresponding to trademark image, detecting from image in 2 D code
Each payment link corresponding to obtained brand name is parsed, judges wherein to whether there is and second corresponding to Quick Response Code
Transaction link one payment link of identical, only just sends secure authenticated information, thus strengthens to two in case of presence
The safe recognition capability of code image is tieed up, and then improves the transaction security of user.
It should be understood that the size of the sequence number of each step is not meant to the priority of execution sequence, each process in above-described embodiment
Execution sequence should determine that the implementation process without tackling the embodiment of the present invention forms any limit with its function and internal logic
It is fixed.
Embodiment eight
Figure 19 shows the structured flowchart of on-line payment system provided in an embodiment of the present invention, for convenience of description, only shows
Part related to the present embodiment is gone out.
Reference picture 19, the system include mobile terminal 191 and server 192,
The mobile terminal 191 is used to obtain trademark image, and the trademark image is uploaded into the server 192.
The server 192 is used to parse user account corresponding with the trademark image, and obtains and the user
The payment information of account relating.
The mobile terminal 191 is additionally operable to the payment associated with the user account returned according to the server 192
Information, generation pay the page, so that user performs on-line payment operation in the payment page.
Alternatively, the server 192 is additionally operable to parse the brand name of the trademark image.
The server 192 is additionally operable to, according to pre-stored corresponding relation, match use corresponding with the brand name
Family account, and obtain the payment information associated with the user account.
Alternatively, the mobile terminal 191 is additionally operable to choose instruction according to the payment mode received, determines current time
Payment mode, the payment mode be payment mode or gathering pattern.
The mobile terminal 191 is additionally operable to the payment associated with the user account returned according to the server 192
Information, the payment page corresponding with the payment mode is generated, so that user performs on-line payment behaviour in the payment page
Make.
Alternatively, the server 192 is additionally operable to obtain the trade mark registration information and payment accounts of user, with to described
Trade mark registration information and payment accounts carry out examination ＆ verification processing, and the trade mark registration information includes the trademark image.
If receiving examination ＆ verification confirmation, the server 192 be additionally operable to create based on the trade mark registration information with
And the user account of payment accounts.
Alternatively, when the payment mode is payment mode, if detecting multiple associated with the user account
The number of paying a bill, then the server 192 be additionally operable to obtain the geographical position of the mobile terminal 191.
The server 192 is additionally operable to from the multiple payment accounts, determines corresponding with the geographical position one
Individual payment accounts.
The server 192 is additionally operable to obtain the payment information related to the payment accounts determined.
Alternatively, the mobile terminal 191 is additionally operable to obtain image in 2 D code, and the image in 2 D code is uploaded into clothes
Business device；Wherein, the trademark image is included in the image in 2 D code.
The server 192 is additionally operable to parse the second payment link corresponding to the image in 2 D code.
In each first payment link corresponding to the user account, if any first payment link and described the be present
Two payment links are identical, then the server 192 is additionally operable to the second payment link of certification mark safe to carry being back to institute
State mobile terminal 191.
Alternatively, the server 192 is additionally operable to parse the brand name of the trademark image.
In each first payment link corresponding with the user account and the brand name, if having any
One payment link is identical with second payment link, then the server 192 is additionally operable to the of certification mark safe to carry
Two payment links are back to the mobile terminal 191.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each work(
Can unit, module division progress for example, in practical application, can be as needed and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device are divided into different functional units or module, more than completion
The all or part of function of description.Each functional unit, module in embodiment can be integrated in a processing unit, also may be used
To be that unit is individually physically present, can also two or more units it is integrated in a unit, it is above-mentioned integrated
Unit can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.In addition, each function list
Member, the specific name of module are not limited to the protection domain of the application also only to facilitate mutually distinguish.Said system
The specific work process of middle unit, module, the corresponding process in preceding method embodiment is may be referred to, will not be repeated here.
In the above-described embodiments, the description to each embodiment all emphasizes particularly on different fields, and is not described in detail or remembers in some embodiment
The part of load, it may refer to the associated description of other embodiments.
Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein
Member and algorithm steps, it can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
Performed with hardware or software mode, application-specific and design constraint depending on technical scheme.Professional and technical personnel
Described function can be realized using distinct methods to each specific application, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed device/terminal device and method, can be with
Realize by another way.For example, device described above/terminal device embodiment is only schematical, for example, institute
The division of module or unit is stated, only a kind of division of logic function, there can be other dividing mode when actually realizing, such as
Multiple units or component can combine or be desirably integrated into another system, or some features can be ignored, or not perform.Separately
A bit, shown or discussed mutual coupling or direct-coupling or communication connection can be by some interfaces, device
Or INDIRECT COUPLING or the communication connection of unit, can be electrical, mechanical or other forms.
The unit illustrated as separating component can be or may not be physically separate, show as unit
The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also
That unit is individually physically present, can also two or more units it is integrated in a unit.Above-mentioned integrated list
Member can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.
If the integrated module/unit realized in the form of SFU software functional unit and as independent production marketing or
In use, it can be stored in a computer read/write memory medium.Based on such understanding, the present invention realizes above-mentioned implementation
All or part of flow in example method, by computer program the hardware of correlation can also be instructed to complete, described meter
Calculation machine program can be stored in a computer-readable recording medium, and the computer program can be achieved when being executed by processor
The step of stating each embodiment of the method..Wherein, the computer program includes computer program code, the computer program
Code can be source code form, object identification code form, executable file or some intermediate forms etc..Computer-readable Jie
Matter can include：Can carry any entity or device of the computer program code, recording medium, USB flash disk, mobile hard disk,
Magnetic disc, CD, computer storage, read-only storage (ROM, Read-Only Memory), random access memory (RAM,
Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It is it should be noted that described
The content that computer-readable medium includes can carry out appropriate increasing according to legislation in jurisdiction and the requirement of patent practice
Subtract, such as in some jurisdictions, electric carrier signal and electricity are not included according to legislation and patent practice, computer-readable medium
Believe signal.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although with reference to foregoing reality
Example is applied the present invention is described in detail, it will be understood by those within the art that：It still can be to foregoing each
Technical scheme described in embodiment is modified, or carries out equivalent substitution to which part technical characteristic；And these are changed
Or replace, the essence of appropriate technical solution is departed from the spirit and scope of various embodiments of the present invention technical scheme, all should
Within protection scope of the present invention.
Claims (14)
- A kind of 1. on-line payment method, it is characterised in that including：Acquisition for mobile terminal trademark image, and the trademark image is uploaded onto the server；The server parses user account corresponding with the trademark image, and obtains the branch associated with the user account Pay information；The payment information associated with the user account that the mobile terminal returns according to the server, generation pay page Face, so that user performs on-line payment operation in the payment page.
- 2. on-line payment method as claimed in claim 1, it is characterised in that the server parses and the trademark image Corresponding user account, and the payment information associated with the user account is obtained, including：The server parses the brand name of the trademark image；The server matches user account corresponding with the brand name, and obtain according to pre-stored corresponding relation The payment information associated with the user account.
- 3. on-line payment method as claimed in claim 1, it is characterised in that in the acquisition for mobile terminal trademark image, and Before the trademark image is uploaded onto the server, in addition to：The mobile terminal chooses instruction according to the payment mode received, determines the payment mode at current time, the payment Pattern is payment mode or gathering pattern；The payment information associated with the user account that the mobile terminal returns according to the server, generation pay page Face, so that user performs on-line payment operation in the payment page, including：The payment information associated with the user account that the mobile terminal returns according to the server, generation and the branch The page is paid corresponding to the pattern of paying, so that user performs on-line payment operation in the payment page.
- 4. on-line payment method as claimed in claim 1, it is characterised in that in the acquisition for mobile terminal trademark image, and Before the trademark image is uploaded onto the server, in addition to：The server obtains the trade mark registration information and payment accounts of user, with to the trade mark registration information and payment Account carries out examination ＆ verification processing, and the trade mark registration information includes the trademark image；If receiving examination ＆ verification confirmation, the server creates the institute based on the trade mark registration information and payment accounts State user account.
- 5. on-line payment method as claimed in claim 3, it is characterised in that when the payment mode is payment mode, institute The payment information for obtaining and being associated with the user account is stated, including：If detecting the multiple payment accounts associated with the user account, the server obtains the ground of the mobile terminal Manage position；The server determines a payment accounts corresponding with the geographical position from the multiple payment accounts；The server obtains the payment information related to the payment accounts determined.
- 6. the on-line payment method as described in any one of claim 1 to 5, it is characterised in that the acquisition for mobile terminal trade mark Image, and the trademark image is uploaded onto the server, including：The acquisition for mobile terminal image in 2 D code, and the image in 2 D code is uploaded onto the server；Wherein, the Quick Response Code Include the trademark image in image；After the server parses user account corresponding with the trademark image, in addition to：The server parses the second payment link corresponding to the image in 2 D code；In each first payment link corresponding to the user account, if any first payment link and described second be present Pay link it is identical, then the second payment link of certification mark safe to carry is back to the mobile terminal by the server.
- 7. on-line payment method as claimed in claim 6, it is characterised in that described corresponding to the user account each In one payment link, if existing, any first payment link is identical with second payment link, and the server will carry Second payment link of safety certification mark is back to the mobile terminal, including：The server parses the brand name of the trademark image；In each first payment link corresponding with the user account and the brand name, if there is any first It is identical with second payment link to pay link, then the server is by the return of the second payment link of certification mark safe to carry To the mobile terminal.
- A kind of 8. on-line payment system, it is characterised in that including mobile terminal and server,The mobile terminal is used to obtain trademark image, and the trademark image is uploaded into the server；The server is used to parse user account corresponding with the trademark image, and obtains and associated with the user account Payment information；The mobile terminal is additionally operable to the payment information associated with the user account returned according to the server, generation branch The page is paid, so that user performs on-line payment operation in the payment page.
- 9. on-line payment system as claimed in claim 8, it is characterised in that the server is additionally operable to parse the trade mark The brand name of image；The server is additionally operable to, according to pre-stored corresponding relation, match user account corresponding with the brand name, And obtain the payment information associated with the user account.
- 10. on-line payment system as claimed in claim 8, it is characterised in that the mobile terminal is additionally operable to basis and received Payment mode choose instruction, determine the payment mode at current time, the payment mode is payment mode or gathering pattern；The mobile terminal be additionally operable to according to the server return payment information associate with the user account, generation and The page is paid corresponding to the payment mode, so that user performs on-line payment operation in the payment page.
- 11. on-line payment system as claimed in claim 8, it is characterised in that the server is additionally operable to obtain the business of user Log-on message and payment accounts are marked, to carry out examination ＆ verification processing, the trade mark to the trade mark registration information and payment accounts Log-on message includes the trademark image；If receiving examination ＆ verification confirmation, the server is additionally operable to create and paid a bill based on the trade mark registration information and branch Number the user account.
- 12. on-line payment system as claimed in claim 10, it is characterised in that when the payment mode is payment mode, If detecting the multiple payment accounts associated with the user account, the server is additionally operable to obtain the mobile terminal Geographical position；The server is additionally operable to from the multiple payment accounts, determines that a branch corresponding with the geographical position is paid a bill Number；The server is additionally operable to obtain the payment information related to the payment accounts determined.
- 13. the on-line payment system as described in any one of claim 8 to 12, it is characterised in that the mobile terminal is additionally operable to Image in 2 D code is obtained, and the image in 2 D code is uploaded onto the server；Wherein, include in the image in 2 D code described Trademark image；The server is additionally operable to parse the second payment link corresponding to the image in 2 D code；In each first payment link corresponding to the user account, if any first payment link and described second be present It is identical to pay link, then the server is additionally operable to the second payment link of certification mark safe to carry being back to the movement eventually End.
- 14. on-line payment system as claimed in claim 13, it is characterised in that the server is additionally operable to parse the business The brand name of logo image；In each first payment link corresponding with the user account and the brand name, if there is any first Pay link it is identical with second payment link, then the server is additionally operable to the second payment chain of certification mark safe to carry Connect and be back to the mobile terminal.
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