TW201621772A - Payment method and platform and terminal - Google Patents

Abstract

A payment method is disclosed. The payment includes the following steps of: a payment platform receives a payment request, wherein the payment request includes a mark of a payed terminal, a mark of a payment terminal and payment information; the payment platform searches a payment account number corresponding to the mark of the payment terminal and a payed account number corresponding to the mark of the payed terminal; the payment platform accomplishes payment according to the payment account number, the payed account number and the payment information.

Description

Payment method, payment platform and terminal

The invention relates to the field of electronic commerce, in particular to a payment method, a payment platform and a terminal.

With the rapid development of e-commerce, electronic payment has been widely used due to its convenience and speed. In an e-commerce transaction, the payer can use the bank card transfer to pay. Specifically, an existing payment scheme is to swipe the card on the self-service terminal and input the financial information of the payee to the self-service terminal, such as a bank account number and the like. This makes the payment process cumbersome and error-prone.

In this regard, the prior art provides a face-to-face payment method including: swiping a card on a point-of-sale information management system (referred to as a POS machine), and inputting the corresponding payment information, for example, the amount to be paid, and then inputting the password of the paying party to the POS machine. Payment can be completed. However, in the above solution, it is necessary to input important financial information such as the bank card number and password of the paying party in the POS machine, so there is a problem in the security of the payment.

The main purpose of the present invention is to provide a payment method, a payment platform, and a terminal, which are used to solve the problem that the existing payment scheme is not high in security. .

A first aspect of the present invention provides a payment method, including the following steps: a payment platform receives a payment request sent by a terminal, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, and the payment request is The terminal sends its own identifier as the identifier of the paid terminal, and sends the identifier of the other terminal as the identifier of the payment terminal; the payment platform searches for the identifier of each terminal in the local storage area. a financial account, obtaining a payment account corresponding to the identifier of the payment terminal, and a paid account corresponding to the identifier of the paymented terminal; the payment platform according to the payment account, the account to be paid, and the payment information , complete the payment.

Another aspect of the present invention provides a payment method including the following steps: a terminal acquires an identifier of another terminal; the terminal sends a payment request to a payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and And a payment information, wherein the identifier of the paymented terminal is an identifier of the terminal, the identifier of the payment terminal is an identifier of the another terminal, and the payment request is used to enable the payment platform to search for the payment platform The financial account corresponding to the identifier of each terminal stored in the medium obtains the payment account number and the account to be paid, and completes the payment.

Yet another aspect of the present invention provides a payment platform including a receiving module, a lookup module, and a processing module. The receiving module is configured to receive a payment request sent by the terminal, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the payment request is that the terminal uses its own identifier as the paid terminal. The identity is sent and the identity of the other terminal is sent as the identity of the payment terminal. The search module is configured to search for a financial account corresponding to the identifier of each terminal in the local storage area, and obtain a payment account corresponding to the identifier of the payment terminal, and a paid account corresponding to the identifier of the paid terminal. The processing module is configured to complete the payment according to the payment account, the paid account, and the payment information.

Yet another aspect of the present invention is to provide a terminal including an acquisition module and a transmission module. The acquisition module is used to obtain the identifier of another terminal. The sending module is configured to send a payment request to the payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the identifier of the paid terminal is an identifier of the terminal, and the payment is The identifier of the terminal is an identifier of the another terminal, and the payment request is used to enable the payment platform to search for a financial account corresponding to the identifier of each terminal stored in the payment platform, obtain a payment account and a paid account, and complete Pay.

The payment method, the payment platform and the terminal provided by the present invention receive a payment request sent by the terminal through a payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, and the payment platform searches for local information to obtain a corresponding Paying the account number and the account to be paid, and completing the payment plan, avoiding saving the user's financial information in the terminal, and ensuring that the user's financial information is not leaked even if the terminal is lost, thereby effectively improving the security of the payment.

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention.

1 is a schematic flowchart of a payment method according to Embodiment 1 of the present invention. As shown in FIG. 1, the method includes the following steps:

101. The payment platform receives a payment request sent by the terminal, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the payment request is that the terminal uses its own identifier as the paid terminal. The identifier is sent and the identifier of the other terminal is sent as the identifier of the payment terminal.

102. The payment platform searches for a financial account corresponding to the identifier of each terminal in the local storage area, and obtains a payment account corresponding to the identifier of the payment terminal, and a paid account corresponding to the identifier of the paid terminal.

103. The payment platform completes payment according to the payment account, the account to be paid, and the payment information.

In an actual application, the payment account and the account to be paid may specifically be the bank card number of the user. Specifically, the user may perform authentication registration on the payment platform through the terminal in advance, and obtain an identifier uniquely corresponding to the terminal, where the identifier may be stored in the terminal, and the identifier and the financial requirement of the user are used. The information, such as the bank card number that the user needs to use, has a binding relationship. Specifically, the binding relationship between the identifier of each terminal and the financial information is stored in the payment platform. Specifically, the form of the identifier may include, but is not limited to, an ID number and a two-dimensional code. That is to say, each terminal in this embodiment corresponds to a unique identifier, and the identifier corresponding to each terminal can be stored in the payment platform. Accordingly, if the payment platform receives the identifier of a certain terminal, the payment platform can identify The terminal is out to further identify the corresponding financial information.

Specifically, the user can determine the bank card corresponding to the identifier of the terminal according to the bank card that he needs to use. When the user needs to establish or replace the currently bound bank card, the user can request to replace the bound bank with the payment platform. Card information. Correspondingly, the method may further include the following steps: the payment platform receives a binding request sent by the terminal, where the binding request includes an identifier of the terminal and information of a financial account to be bound; the payment platform is based on The binding request updates the currently stored financial account corresponding to the identifier of the terminal to the financial account to be bound.

Through the present embodiment, the user can conveniently and quickly update the bank card corresponding to the identifier of the terminal according to the actual needs of the user during the payment process, thereby improving the flexibility of payment.

Optionally, in order to further improve the security of the payment transaction, the payment user may be confirmed by the payment user before the payment process, and correspondingly, before 103, the method may further include the following steps: the payment platform is Said another terminal sends an acknowledgment request, said acknowledgment request comprising an identifier of said paid terminal and said payment information; said payment platform receiving an acknowledgment response returned by said another terminal, said acknowledgment response being said payment terminal The payment is sent according to the confirmation instruction of the user; correspondingly, the payment platform completes the payment according to the payment account, the account to be paid, and the payment information, and specifically includes: the payment platform confirms the response according to the The payment account number, the paid account number, and the payment information are described, and the payment is completed.

According to the present embodiment, before the actual payment is made to the user being paid, the payment user is confirmed first, thereby further improving the security of the payment.

Specifically, in this embodiment, when the payment terminal needs to perform a face-to-face transaction with the payment terminal, if the identifier is in the form of an ID number, the payment terminal can communicate through NFC, Bluetooth, infrared, or manually. The identifier of the payment terminal is input to read the identifier of the payment terminal, or if the identifier is in the form of a two-dimensional code, the payment terminal can obtain the identifier of the payment terminal by scanning the two-dimensional code of the payment terminal. Specifically, the payment terminal receives the confirmation request of the response, and the request may include the identifier of the paymented terminal and the payment amount information, and the payment user returns the confirmation to the payment platform through the payment terminal after confirming that the information in the request is correct. In response, the payment platform transfers the corresponding amount from the bank card bound with the identifier of the payment terminal to the bank card corresponding to the identifier of the payment terminal according to the response, thereby completing the payment. In the above payment process, the financial information of the user is managed and stored by the payment platform, and the financial information of the user is not saved in the terminal, and the financial information is not leaked even if the terminal is lost, and the payment security can be improved. Sex.

Specifically, in this embodiment, the working process of the terminal may be referred to the solution provided in the second embodiment to be described later, and the embodiment is not described in detail herein.

The payment method provided in this embodiment receives a payment request sent by the terminal through a payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, and the payment platform searches for local information to obtain a corresponding payment account and is Paying the account number and completing the payment plan, avoiding saving the user's financial information in the terminal, and ensuring that the user's financial information is not leaked even if the terminal is lost, thereby effectively improving the security of the payment.

FIG. 2 is a schematic flowchart of a payment method according to Embodiment 2 of the present invention. As shown in FIG. 2, when the terminal is used as a payment terminal, the method includes:

201. The terminal acquires an identifier of another terminal.

202. The terminal sends a payment request to a payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information.

The identifier of the payment terminal is an identifier of the terminal, the identifier of the payment terminal is an identifier of the another terminal, and the payment request is used to enable the payment platform to search for the storage in the payment platform. The financial account corresponding to the identifier of each terminal obtains the payment account and the account to be paid, and completes the payment.

Specifically, the identifier of the terminal can be obtained through multiple implementation manners, which is not limited in this embodiment. For example, the terminal may obtain the identifier of the other terminal through the established wireless connection; for example, the terminal may obtain the identifier of the other terminal by scanning the two-dimensional code; for example, the terminal may The identifier of the other terminal input by the user is received through the interaction interface. It should be noted that although one of the above embodiments may be involved in a single payment process, the above embodiments may be implemented independently or in combination in practical applications.

Optionally, in order to further improve the security of the payment transaction, the payment user may be confirmed by the payment user before the payment process, and then, in the embodiment, when the terminal is used as the payment terminal, after 202, The method may further include: the terminal receiving an acknowledgement request sent by the payment platform, where the confirmation request includes an identifier of the paid terminal and the payment information; and the terminal sends the payment according to a user instruction. The platform returns a confirmation response to cause the payment platform to complete the payment in accordance with the confirmation response.

According to the present embodiment, before the actual payment is made to the user being paid, the payment user is confirmed first, thereby further improving the security of the payment.

Specifically, the user can determine the bank card corresponding to the identifier of the terminal according to the bank card that he needs to use. When the user needs to establish or replace the currently bound bank card, the user can request to replace the bound bank with the payment platform. Card information. Correspondingly, the method may further include: the terminal sending a binding request to the payment platform, where the binding request includes an identifier of the terminal and information of a financial account to be bound, and the binding request is used by And causing the payment platform to update the financial account corresponding to the currently stored identifier of the terminal to the financial account to be bound according to the binding request.

Through the present embodiment, the user can conveniently and quickly update the bank card corresponding to the identifier of the terminal according to the actual needs of the user during the payment process, thereby improving the flexibility of payment.

In this embodiment, when the payment terminal needs to conduct a face-to-face transaction with the payment terminal, the payment terminal can transmit the payment method through NFC, Bluetooth, infrared, or the like, or by scanning the two-dimensional code of the payment terminal or manually inputting the payment terminal. The identity of the payment terminal is read out. Specifically, the payment terminal receives the confirmation request of the response, and the request may include the identifier of the paymented terminal and the payment amount information, and the payment user returns the confirmation to the payment platform through the payment terminal after confirming that the information in the request is correct. In response, the payment platform transfers the corresponding amount from the bank card bound with the identifier of the payment terminal to the bank card corresponding to the identifier of the payment terminal according to the response, thereby completing the payment. In the above payment process, the financial information of the user is managed and stored by the payment platform, and the financial information of the user is not saved in the terminal, and the financial information is not leaked even if the terminal is lost, and the payment security can be improved. Sex.

Specifically, in this embodiment, the working process of the payment platform may be referred to the solution provided in the foregoing Embodiment 1, and the embodiment is not described in detail herein.

The payment method provided by the embodiment sends a payment request to the payment platform through the terminal, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, so that the payment platform searches for local information to obtain a corresponding payment account number and The account is paid and the payment is completed, and the financial information of the user is saved in the terminal. Even if the terminal is lost, the financial information of the user is not leaked, and the security of the payment is effectively improved.

3 is a schematic structural diagram of a payment platform according to Embodiment 3 of the present invention. As shown in FIG. 3, the payment platform includes: a receiving module 31, a searching module 32, and a processing module 33. Receiving, by the receiving terminal, a payment request, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the payment request is that the terminal uses its own identifier as the identifier of the paid terminal, and The identifier of the other terminal is sent as the identifier of the payment terminal, and the search module 32 is configured to search for the financial account corresponding to the identifier of each terminal in the local storage area, and obtain the payment account corresponding to the identifier of the payment terminal. And a payment account corresponding to the identifier of the payment terminal; the processing module 33 is configured to complete the payment according to the payment account, the account to be paid, and the payment information. In addition to being configurable as a hardware device, a software program, a firmware, or a combination thereof, each of the above modules may also be configured by a circuit loop or other suitable type; and, in addition to being individually configurable, each module may also be combined. Type configuration.

In an actual application, the payment account and the account to be paid may specifically be the bank card number of the user. Specifically, the user may perform authentication registration on the payment platform through the terminal in advance, and obtain an identifier uniquely corresponding to the terminal, where the identifier may be stored in the terminal, and the identifier and the financial requirement of the user are used. The information, such as the bank card number that the user needs to use, has a binding relationship. Specifically, the binding relationship between the identifier of each terminal and the financial information is stored in the payment platform. Specifically, the form of the identifier may include, but is not limited to, an ID number and a two-dimensional code. That is to say, each terminal in this embodiment corresponds to a unique identifier, and the identifier corresponding to each terminal can be stored in the payment platform. Accordingly, if the payment platform receives the identifier of a certain terminal, the payment platform can identify The terminal is out to further identify the corresponding financial information.

Specifically, the user can determine the bank card corresponding to the identifier of the terminal according to the bank card that he needs to use. When the user needs to establish or replace the currently bound bank card, the user can request to replace the bound bank with the payment platform. Card information. Correspondingly, the receiving module 31 is further configured to receive a binding request sent by the terminal, where the binding request includes the identifier of the terminal and the information of the financial account to be bound; the processing module 33 may also be used for And updating the financial account corresponding to the currently stored identifier of the terminal to the financial account to be bound according to the binding request.

Through the present embodiment, the user can conveniently and quickly update the bank card corresponding to the identifier of the terminal according to the actual needs of the user during the payment process, thereby improving the flexibility of payment.

Optionally, in order to further improve the security of the payment transaction, the payment user may be confirmed by the payment user before the payment processing, and the payment platform may further include: a sending module, configured in the processing module 33. And sending, according to the payment account, the account to be paid, and the payment information, a confirmation request to the another terminal before completing the payment, where the confirmation request includes the identifier of the paid terminal and the payment information; The module 31 is further configured to receive an acknowledgment response returned by the another terminal, where the acknowledgment response is sent by the payment terminal according to a confirmation instruction of the user, and the processing module 33 is specifically configured to: according to the confirmation response, The payment account, the account to be paid, and the payment information complete the payment.

According to the present embodiment, before the actual payment is made to the user being paid, the payment user is confirmed first, thereby further improving the security of the payment.

Specifically, in this embodiment, when the payment terminal needs to perform a face-to-face transaction with the payment terminal, if the identifier is in the form of an ID number, the payment terminal can communicate through NFC, Bluetooth, infrared, or manually. The identifier of the payment terminal is input to read the identifier of the payment terminal, or if the identifier is in the form of a two-dimensional code, the payment terminal can obtain the identifier of the payment terminal by scanning the two-dimensional code of the payment terminal. Specifically, the payment terminal receives the confirmation request of the response, and the request may include the identifier of the paymented terminal and the payment amount information, and the payment user returns the confirmation to the payment platform through the payment terminal after confirming that the information in the request is correct. In response, the payment platform transfers the corresponding amount from the bank card bound with the identifier of the payment terminal to the bank card corresponding to the identifier of the payment terminal according to the response, thereby completing the payment. In the above payment process, the financial information of the user is managed and stored by the payment platform, and the financial information of the user is not saved in the terminal, and the financial information is not leaked even if the terminal is lost, and the payment security can be improved. Sex.

Specifically, in this embodiment, the working process of the terminal may be referred to the solution provided in the second embodiment to be described later, and the embodiment is not described in detail herein.

The payment platform provided by the embodiment, according to the payment request sent by the terminal, the payment request includes the identifier of the payment terminal, the identifier of the payment terminal, and the payment information, and the local information is obtained to obtain the corresponding payment account and the account to be paid, and the payment is completed. The solution avoids saving the user's financial information in the terminal, and even if the terminal is lost, the user's financial information can be prevented from being leaked, thereby effectively improving the security of the payment.

4 is a schematic structural diagram of a terminal according to Embodiment 4 of the present invention. As shown in FIG. 4, the terminal includes: an obtaining module 41 and a sending module 42. The obtaining module 41 is configured to acquire an identifier of another terminal. The sending module 42 is configured to send a payment request to the payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, where the identifier of the paid terminal is an identifier of the terminal, The identifier of the payment terminal is an identifier of the another terminal, and the payment request is used to enable the payment platform to search for a financial account corresponding to the identifier of each terminal stored in the payment platform, and obtain a payment account and a paid account. And complete the payment. In addition to being configurable as a hardware device, a software program, a firmware, or a combination thereof, each of the above modules may also be configured by a circuit loop or other suitable type; and, in addition to being individually configurable, each module may also be combined. Type configuration.

The above process is specifically a working process when the terminal is used as a terminal to be paid. Specifically, the identifier of the terminal can be obtained through multiple implementation manners, which is not limited in this embodiment. For example, the obtaining module 41 is specifically configured to obtain the identifier of the another terminal by using the established wireless connection; for example, the acquiring module 41 is specifically configured to obtain the identifier of the another terminal by scanning the two-dimensional code; For example, the obtaining module 41 is specifically configured to receive an identifier of the other terminal input by the user through the interaction interface. It should be noted that although one of the above embodiments may be involved in a single payment process, the above embodiments may be implemented independently or in combination in practical applications.

Optionally, in order to further improve the security of the payment transaction, the payment user may be confirmed by the payment user before the payment process, and then, in the embodiment, when the terminal is used as the payment terminal, the terminal further The receiving module may be configured to receive an acknowledgement request sent by the payment platform, where the confirmation request includes an identifier of the paid terminal and the payment information, and the sending module 42 is further configured to: according to a user instruction, The payment platform returns a confirmation response to cause the payment platform to complete the payment in accordance with the confirmation response.

According to the present embodiment, before the actual payment is made to the user being paid, the payment user is confirmed first, thereby further improving the security of the payment.

Specifically, the user can determine the bank card corresponding to the identifier of the terminal according to the bank card that he needs to use. When the user needs to establish or replace the currently bound bank card, the user can request to replace the bound bank with the payment platform. Card information. Correspondingly, the sending module 42 is further configured to send a binding request to the payment platform, where the binding request includes the identifier of the terminal and information of a financial account to be bound, and the binding request is used to make the binding The payment platform updates the financial account corresponding to the currently stored identifier of the terminal to the financial account to be bound according to the binding request.

Through the present embodiment, the user can conveniently and quickly update the bank card corresponding to the identifier of the terminal according to the actual needs of the user during the payment process, thereby improving the flexibility of payment.

In this embodiment, when the payment terminal needs to conduct a face-to-face transaction with the payment terminal, the payment terminal can transmit the payment method through NFC, Bluetooth, infrared, or the like, or by scanning the two-dimensional code of the payment terminal or manually inputting the payment terminal. The identity of the payment terminal is read out. Specifically, the payment terminal receives the confirmation request of the response, and the request may include the identifier of the paymented terminal and the payment amount information, and the payment user returns the confirmation to the payment platform through the payment terminal after confirming that the information in the request is correct. In response, the payment platform transfers the corresponding amount from the bank card bound with the identifier of the payment terminal to the bank card corresponding to the identifier of the payment terminal according to the response, thereby completing the payment. In the above payment process, the financial information of the user is managed and stored by the payment platform, and the financial information of the user is not saved in the terminal, and the financial information is not leaked even if the terminal is lost, and the payment security can be improved. Sex.

Specifically, in this embodiment, the working process of the payment platform may be referred to the solution provided in the foregoing Embodiment 1, and the embodiment is not described in detail herein.

The terminal provided by the embodiment sends a payment request to the payment platform, where the payment request includes an identifier of the paymented terminal, an identifier of the payment terminal, and payment information, so that the payment platform searches for local information to obtain a corresponding payment account and a paid account. And complete the payment plan, to avoid saving the user's financial information in the terminal, even if the terminal is lost, the user's financial information can be guaranteed not to be leaked, thereby effectively improving the security of the payment.

A person skilled in the art can clearly understand that for the convenience and brevity of the description, the specific working process of the device described above can refer to the corresponding process in the foregoing method embodiments, and details are not described herein again.

It will be understood by those skilled in the art that all or part of the steps of implementing the foregoing method embodiments may be performed by the hardware associated with the program instructions. The aforementioned program can be stored in a computer readable storage medium. When the program is executed, the steps including the foregoing method embodiments are performed; and the foregoing storage medium includes: a medium that can store code, such as a ROM, a RAM, a magnetic disk, or an optical disk.

Finally, it should be noted that the above embodiments are merely illustrative of the technical solutions of the present invention, and are not intended to be limiting; although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art will understand that The technical solutions described in the foregoing embodiments may be modified, or some or all of the technical features may be equivalently replaced; and the modifications or substitutions do not deviate from the technical solutions of the embodiments of the present invention. range.

31‧‧‧ receiving module
32‧‧‧Search module
33‧‧‧Processing module
41‧‧‧Get the module
42‧‧‧Transmission module

FIG. 1 is a schematic flowchart diagram of a payment method according to Embodiment 1 of the present invention. FIG. 2 is a schematic flowchart diagram of a payment method according to Embodiment 2 of the present invention. FIG. 3 is a schematic structural diagram of a payment platform according to Embodiment 3 of the present invention. FIG. 4 is a schematic structural diagram of a terminal according to Embodiment 4 of the present invention.

Step 101 to step 103

Claims (10)

A payment method includes the following steps: a payment platform receives a payment request sent by a terminal, the payment request includes an identifier of the paymented terminal, an identifier of a payment terminal, and a payment information, wherein the payment request is the terminal The identifier of the terminal is used as the identifier of the payment terminal, and the identifier of the other terminal is sent as the identifier of the payment terminal. The payment platform searches for the financial account corresponding to the identifier of each terminal in the local storage area. Obtaining, by the payment account corresponding to the identifier of the payment terminal, a paid account corresponding to the identifier of the terminated terminal; the payment platform completing the payment according to the payment account, the account to be paid, and the payment information . The method of claim 1, wherein the payment platform further comprises the following steps before the payment is completed according to the payment account, the paid account, and the payment information: the payment platform is The other terminal sends a confirmation request, where the confirmation request includes the identifier of the paid terminal and the payment information; the payment platform receives a confirmation response returned by the another terminal, and the confirmation response is the payment The payment is sent by the terminal according to a confirmation instruction of the user; the payment platform completes the payment according to the payment account, the account to be paid, and the payment information, and specifically includes: the payment platform according to the confirmation response, The payment account, the account to be paid, and the payment information are used to complete the payment. The method of claim 1 or 2, further comprising the steps of: the payment platform receiving a binding request sent by the terminal, the binding request including the identifier of the terminal and a financial to be bound The information of the account is updated by the payment platform to the financial account to be bound according to the binding request, the financial account corresponding to the currently stored identifier of the terminal. A payment method includes the following steps: a terminal acquires an identifier of another terminal; the terminal sends a payment request to a payment platform, where the payment request includes an identifier of a paid terminal, an identifier of a payment terminal, and a payment information. The identifier of the payment terminal is an identifier of the terminal, the identifier of the payment terminal is an identifier of the another terminal, and the payment request is used to enable the payment platform to search for the storage in the payment platform. The financial account corresponding to the identifier of each terminal obtains the payment account and the account to be paid, and completes the payment. The method of claim 4, wherein the obtaining, by the terminal, the identifier of the other terminal, the method includes: the terminal acquiring the identifier of the another terminal by using the established wireless connection; or Scan the two-dimensional code to obtain the identifier of the other terminal; or, the terminal receives the identifier of the other terminal input by the user through the interaction interface. A payment platform, comprising: a receiving module, configured to receive a payment request sent by a terminal, where the payment request includes an identifier of the paymented terminal, an identifier of a payment terminal, and a payment information, where the payment request is The terminal sends its own identifier as the identifier of the paid terminal, and sends the identifier of the other terminal as the identifier of the payment terminal; a search module is used to find each terminal of the local storage area. The financial account corresponding to the identifier, the payment account corresponding to the identifier of the payment terminal, and the account to be paid corresponding to the identifier of the payment terminal; a processing module, configured to be paid according to the payment account The account number and the payment information are completed to complete the payment. The payment platform of claim 6, further comprising: a sending module, configured to: before the processing module completes the payment according to the payment account, the paid account, and the payment information, Sending a confirmation request to the another terminal, where the confirmation request includes the identifier of the paymented terminal and the payment information; and the receiving module is further configured to receive a confirmation response returned by the another terminal, The confirmation response is that the payment terminal is sent according to a confirmation instruction of the user; the processing module is specifically configured to: according to the confirmation response, the payment account, the paid account, and the payment information, Complete the payment. The payment platform of claim 6 or 7, wherein the receiving module is further configured to receive a binding request sent by the terminal, where the binding request includes an identifier of the terminal and a to-be-bound The information of the financial account is used to update the financial account corresponding to the currently stored identifier of the terminal to the financial account to be bound according to the binding request. A terminal includes: an obtaining module, configured to acquire an identifier of another terminal; a sending module, configured to send a payment request to a payment platform, where the payment request includes an identifier of the paid terminal, and a payment terminal And an payment information, wherein the identifier of the paymented terminal is an identifier of the terminal, the identifier of the payment terminal is an identifier of the another terminal, and the payment request is used to cause the payment platform to search The financial account corresponding to the identifier of each terminal stored in the payment platform obtains the payment account and the account to be paid, and completes the payment. The terminal of claim 9, wherein the obtaining module is configured to obtain an identifier of the another terminal by using the established wireless connection; or the acquiring module is specifically configured to transparently And scanning the two-dimensional code to obtain the identifier of the another terminal; or the acquiring module is configured to receive the identifier of the another terminal input by the user through the interaction interface.