WO2017084442A1

WO2017084442A1 - Mobile payment method and apparatus

Info

Publication number: WO2017084442A1
Application number: PCT/CN2016/100834
Authority: WO
Inventors: 贾江涛; 柴晓前
Original assignee: 华为技术有限公司
Priority date: 2015-11-20
Filing date: 2016-09-29
Publication date: 2017-05-26
Also published as: CN106779671A

Abstract

A mobile payment method, comprising: a terminal device (101, 200) initiating a payment request to a payment platform (102, 500) via a first channel and saving payment session information, wherein the payment session information contains a payment identifier; when confirming that a payment session corresponding to the payment identifier cannot be completed via the first channel, the terminal device (101, 200) establishing a second channel between same and the payment platform (102, 500); and the terminal device (101, 200) sending the payment request to the payment platform (102, 500) via the second channel, with the payment identifier being carried, and continuing the payment session corresponding to the payment identifier with the payment platform (102, 500) using the saved payment session information corresponding to payment identifier and the second channel. The method improves the success rate of payment, and at the same time also avoids the occurrence of repeated deduction caused by a user conducting payment anew after the capital in a user account has been transferred.

Description

Mobile payment method and device

The present application claims priority to Chinese Patent Application No. 20151081162, filed on Nov. 20, 2015, the entire disclosure of which is incorporated herein by reference. .

Technical field

The present invention relates to the field of communications, and in particular, to a mobile payment method and apparatus.

Background technique

With the rapid development of the mobile Internet, new businesses such as e-commerce, online shopping, and Internet finance have emerged one after another, and mobile payment has become one of the hot business. Mobile payment is a new type of payment method that uses mobile devices to complete payment behavior. At present, the most widely used mobile payment method is mobile payment. In mobile payment, the whole payment can be conveniently completed by using one mobile phone, which is increasingly favored by mobile operators, commodity retailers and consumers. However, users are often in a variety of network access modes, but in environments such as elevators and subway stations, the environment of a certain network access method may become poor, which may lead to the use of such network access methods. The occurrence of mobile payment interruption occurs, which reduces the success rate of payment, resulting in poor user payment experience.

Summary of the invention

Embodiments of the present invention provide a mobile payment method and apparatus, which can solve the problem of low payment success rate when a certain network environment is poor in a multi-network environment.

A first aspect provides a system, including a terminal device and a payment platform, wherein the terminal device initiates a payment request to the payment platform through the first channel and saves the payment session information, and after receiving the payment request, the payment platform confirms that the payment cannot be passed. When the first channel completes the payment session corresponding to the payment identifier, the terminal device establishes a second channel with the payment platform, and sends the payment request to the payment platform through the second channel, where the carrying information has a corresponding relationship with the payment session information. A payment identifier, the payment platform processing the payment session according to the payment identifier.

By establishing a second channel and sending a payment identifier corresponding to the payment session information to the payment platform, the payment platform can find the corresponding payment session information according to the payment identifier, and the user does not need to resubmit the payment request, thereby improving the success rate of the payment. .

A second aspect provides a mobile payment method, including: a terminal device initiates a payment request to a payment platform by using a first channel, and saves payment session information, where the payment session information includes a payment identifier; and when the terminal device confirms that the Establishing a second channel with the payment platform when the channel completes the payment session corresponding to the payment identifier; the terminal device sends the payment request to the payment platform by using the second channel, the payment And requesting to carry the payment identifier, and using the saved payment session information corresponding to the payment identifier and the second channel, continue to perform a payment session corresponding to the payment identifier with the payment platform.

In conjunction with the implementation of the second aspect, in a first possible implementation manner of the second aspect, the payment session information includes context information generated by the terminal device to process the payment request.

With reference to the second aspect, the first possible implementation manner of the second aspect, in a second possible implementation manner, the terminal device sends the payment request to the payment platform by using the second channel: The terminal device converts the payment request into a message format of the second channel, and sends the converted payment request to the payment platform by using the second channel.

The terminal device automatically converts the payment request into the message format of the second channel, and does not require the user to resubmit the payment request, thereby improving the user experience.

With the second aspect, the first to the third possible implementation manners of the second aspect, in the fourth possible implementation manner, the continuing the payment session corresponding to the payment identifier by the payment platform includes: The terminal device receives a payment processing result response message sent by the payment platform by using the second channel.

A third aspect provides a mobile payment method, including: a payment platform receiving a payment request initiated by a terminal device through a first channel, and saving payment session information, the payment session letter The payment platform includes a payment identifier, and the payment platform confirms that the payment session corresponding to the payment identifier cannot be completed through the first channel, and establishes a second channel with the terminal device; the payment platform receives the terminal device to pass The payment request sent by the second channel, the payment request carries the payment identifier, and the payment identifier has a corresponding relationship with the payment session information; the payment platform uses the saved payment identifier Corresponding payment session information and the second channel continue to perform a payment session corresponding to the payment identifier by the terminal.

In conjunction with the implementation of the third aspect, in a first possible implementation manner of the third aspect, the payment session information includes context information generated by the payment platform to process the payment request.

With reference to the first aspect, the first possible implementation manner of the first aspect, in a second possible implementation manner, the context information includes a processing status of the payment request, and the using the saved The payment session corresponding to the payment identifier and the second channel, and the payment session corresponding to the terminal performing the payment identifier includes: the payment platform finding the payment session information according to the payment identifier and the corresponding relationship When the payment platform determines that the processing of the payment request has not been completed according to the processing status of the payment request, the processing of the payment request is continued, and after the processing of the payment request is completed, the payment is passed. The second channel returns a payment processing result response message to the terminal device.

The payment platform can store the payment identifier and the payment session. When receiving the payment identifier sent by the terminal device through the second channel, it can determine whether the payment request is processed according to the processing status of the payment request, and avoid re-passing through the second channel. The occurrence of payment causes repeated deductions.

With reference to the foregoing second aspect and the third, second, and third possible implementation manners, the first channel is a packet domain channel established based on a Transmission Control Protocol/Internet Protocol, TCP/IP, and the second channel The circuit domain signaling channel; or the first channel is a circuit domain signaling channel, and the second channel is a packet domain channel established based on TCP/IP. Said The packet domain channel is established through a GPRS, UMTS, LTE or WIFI network; the circuit domain signaling channel is a USSD channel or a short message channel.

In a fourth aspect, there is provided a terminal device comprising means for performing the method of the second aspect.

In a fifth aspect, a payment platform is provided, comprising means for performing the method of the third aspect.

In a sixth aspect, a computing device is provided, comprising: a processor, a memory, a bus, and a communication interface; the memory is configured to store a computing device to execute an instruction, and the processor is connected to the memory through the bus When the computing device is in operation, the processor executes the computer-executed instructions stored by the memory to cause the computing device to perform the method of any of the second aspect and the second aspect.

In a seventh aspect, a computing device is provided, comprising: a processor, a memory, a bus, and a communication interface; the memory is configured to store a computing device to execute an instruction, and the processor is connected to the memory through the bus When the computing device is in operation, the processor executes the computer-executed instructions stored by the memory to cause the computing device to perform the method of any of the third aspect and the third aspect.

According to the technical solution provided by the embodiment of the present invention, if the terminal device confirms that the payment session corresponding to the payment identifier cannot be completed through the first channel, the second channel between the terminal device and the payment platform is established, and the payment platform performs the recording through the first channel. The corresponding relationship between the payment session information and the payment identifier can maintain the payment session information originally transmitted through the first channel, and when receiving the payment identifier sent by the terminal device, can determine according to the correspondence relationship and the processing status of the payment request. Whether the payment session information corresponding to the payment identifier is processed is completed, and the user does not need to re-apply the payment request through the terminal device, thereby improving the success rate of the payment, and also avoiding the user re-payment after the user account funds transfer has occurred. The occurrence of repeated deductions occurred.

DRAWINGS

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the description of the prior art will be briefly described below. Obviously, the drawings in the following description are only It is a certain embodiment of the present invention, and other drawings can be obtained from those skilled in the art without any creative work.

1 is a schematic diagram of a network architecture applied to an embodiment of the present invention;

2 is a schematic diagram showing the hardware structure of a computer device 200 according to an embodiment of the invention;

FIG. 3 is an exemplary flowchart of a mobile payment method according to an embodiment of the present invention; FIG.

FIG. 4 is a schematic structural diagram of a terminal device 400 according to an embodiment of the invention;

FIG. 5 is a schematic structural diagram of a payment platform 500 according to an embodiment of the present invention.

detailed description

In the following description, for purposes of illustration and description, reference However, it will be apparent to those skilled in the art that the present invention may be practiced in other embodiments without these specific details. In other instances, detailed descriptions of well-known devices, circuits, and methods are omitted so as not to obscure the description of the invention.

FIG. 1 is a schematic diagram of a network architecture 100 to which an embodiment of the present invention is applied. The terminal device 101 can be, for example, but not limited to, a mobile phone, and the payment platform 102 can be, for example, but not limited to, a server. The terminal device 101 can pass through a data channel of a General Packet Radio Service (GPRS) network, a data channel of a Universal Mobile Telecommunications System (UMTS) network, and a Long Term Evolution (LTE) network. At least one of a data channel and a data channel of a Wireless Fidelity (Wi-Fi) network communicates with the payment platform 102, based on, for example, a Transmission Control Protocol/Internet Protocol (Transmission Control Protocol/Internet Protocol). TCP/IP) bears the message, establishes a connection with the payment platform 102 through the IP address; can also pass the global mobile communication system (Global System for Mobile Communication, GSM) signaling channel of the network, integrated digital enhanced network (iDEN) signaling channel, digital advanced mobile phone system (D-AMPS) network At least one of a signaling channel, a signaling channel of a Personal Digital Cellular (PDC) network, communicates with the payment platform 102, at this time, based on, for example, Unstructured Supplementary Service Data (USSD) Or a Short Message Service carries the message and establishes a connection with the payment platform 102 through the service number. The USSD is a new interactive session data service based on the GSM network and real-time online. It is based on the Subscriber Identity Module (SIM) card and uses the signaling channel of the GSM network to transmit data. The user may be provided with a service for making payment by installing an application corresponding to the payment platform 102 on the terminal device 101.

When the user uses the payment service by using at least one of the data channel of the GPRS network, the data channel of the UMTS network, the data channel of the LTE network, and the data channel of the Wi-Fi network by the terminal device 101, if it is confirmed that the data channel cannot be completed through the above data channel For payment, the terminal device performs channel switching, and continues to communicate with the payment platform 102 by using at least one of a signaling channel of the GSM network, a signaling channel of the iDEN, a signaling channel of the D-AMPS network, and a signaling channel of the PDC network. , complete the payment;

When the user uses the payment service by using at least one of the signaling channel of the GSM network, the signaling channel of the iDEN, the signaling channel of the D-AMPS network, and the signaling channel of the PDC network by the terminal device 101, if it is confirmed that the payment service cannot be passed After the signaling channel completes the payment, the terminal device performs channel switching, and continues to perform with the payment platform 102 by using at least one of a data channel of the GPRS network, a data channel of the UMTS network, a data channel of the LTE network, and a data channel of the Wi-Fi network. The communication completes the payment, and the payment platform returns a response message to the terminal device through the switched channel.

FIG. 2 is a schematic diagram showing the hardware structure of a computer device 200 according to an embodiment of the invention. As shown in FIG. 2, computer device 200 includes a processor 202, a memory 204, a communication interface 206, and a bus 208. Among them, the processor 202, the memory 204, and the communication interface 206 implement a communication connection with each other through the bus 208.

The processor 202 can be a general-purpose central processing unit (CPU), a microprocessor, an application specific integrated circuit (ASIC), or one or more integrated circuits for executing related programs. The technical solution provided by the embodiment of the present invention is implemented.

The memory 204 can be a read only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 204 can store an operating system 2041 and other applications 2042. When the technical solution provided by the embodiment of the present invention is implemented by software or firmware, the program code for implementing the technical solution provided by the embodiment of the present invention is stored in the memory 204 and executed by the processor 202.

Communication interface 206 enables communication with other devices or communication networks using transceivers such as, but not limited to, transceivers.

Bus 208 can include a path for communicating information between various components (e.g., processor 202, memory 204, communication interface 206).

When the computer device 200 is a terminal device, the processor 202 is configured to perform a payment request to the payment platform by using the first channel and save the payment session information, where the payment session information includes a payment identifier; when the confirmation cannot be completed through the first channel Establishing a second channel with the payment platform when the payment identifier corresponds to the payment session; sending the payment request to the payment platform by using the second channel, where the payment request carries the payment identifier, And using the saved payment session information corresponding to the payment identifier and the second channel, and continuing to perform a payment session corresponding to the payment identifier with the payment platform.

When the computer device 200 is a payment platform, the processor 202 is configured to perform receiving a payment request initiated by the terminal device through the first channel and save payment session information, the payment session letter The information includes a payment identifier; confirming that the payment session corresponding to the payment identifier is not completed by the first channel, establishing a second channel with the terminal device; and receiving, by the terminal device, the second channel a payment request, the payment request carrying the payment identifier, the payment identifier having a corresponding relationship with the payment session information; using the saved payment session corresponding to the payment session information and the second channel, And continuing to perform a payment session corresponding to the payment identifier with the terminal.

3 is an exemplary flow chart of a mobile payment method in accordance with an embodiment of the present invention. In a particular implementation process, the mobile payment method 300 can be performed by, for example, but not limited to, the terminal device 101 and the payment platform 102 of FIG. 1, where the terminal device 101 can be, for example, but not limited to, a mobile phone, and the payment platform 102 can be, for example, but Not limited to servers.

S302. The terminal device initiates a payment request to the payment platform by using the first channel.

Optionally, the terminal device establishes a first channel between the terminal and the payment platform, and performs a payment session with the payment platform by using the first channel. The payment session information includes context information generated by the terminal device to process the payment request.

Optionally, the terminal device stores the payment session information. The purpose of the terminal device storing the payment session information includes: establishing and storing a correspondence between the payment identifier and the payment session information, and sending a payment request to the second channel when the payment session corresponding to the payment identifier cannot be completed through the first channel is confirmed. Payment platform.

S304. The payment platform receives a payment request initiated by the terminal device through the first channel and saves the payment session information, where the payment session information includes a payment identifier.

Optionally, the payment session information includes context information generated by the payment platform to process the payment request. Optionally, the purpose of the payment platform storing the payment session information includes: establishing and storing a correspondence between the payment identifier and the payment session information, and when receiving the payment request sent by the terminal device by using the second channel, the payment can be carried according to the payment request. The payment identifier and the correspondence determine the payment session information corresponding to the payment identifier.

S306, when the terminal device confirms that the payment identifier pair cannot be completed through the first channel A second channel between the payment platform and the payment platform is established.

Optionally, the terminal device confirms that the payment session corresponding to the payment identifier cannot be completed by using the first channel, where the terminal device does not receive the response message sent by the payment platform through the first channel within a predetermined time, or the terminal device Receiving, for example, the indication information sent by the payment platform that the payment session corresponding to the payment identifier cannot be completed, and the indication information may be sent to the terminal device by using another channel registered by the user.

Optionally, the method for setting a timer may be used to determine that the terminal device does not receive the response message sent by the payment platform by using the first channel within a predetermined time, where the trigger timer starts when the terminal device sends a payment request to the payment platform. Timing. If the connection between the terminal device and the payment platform is timed out or cannot be connected to the payment platform, the terminal device cannot receive the response message sent by the payment platform through the first channel within a predetermined time.

Optionally, the first channel is a packet domain channel established according to a Transmission Control Protocol/Internet Protocol TCP/IP, and the second channel is a circuit domain signaling channel; or the first channel is a circuit domain signal. The channel is the packet, and the second channel is a packet domain channel established based on TCP/IP.

Optionally, when the first channel is a packet domain channel established based on TCP/IP, and the second channel is a circuit domain signaling channel, when the second channel is established, the terminal device sends a second channel request to the payment platform, where Carrying the service number of the payment platform and the identifier of the terminal device, the terminal device stores or configures the service number of the payment platform, and the payment platform establishes a connection with the terminal device according to the request for establishing the second channel. The identifier of the terminal device may be an International Mobile Subscriber Identification Number (IMSI).

Optionally, when the first channel is a circuit domain signaling channel, and the second channel is a packet domain channel established based on TCP/IP, when the second channel is established, the terminal device sends a second channel request to the payment platform, where Carrying the user identifier and the session identifier, the payment platform establishes a connection with the terminal device according to the request for establishing the second channel.

S308. The terminal device sends the payment request to the payment platform by using the second channel, where the payment request carries the payment identifier, and uses the saved payment session information and the payment session information. The second channel continues to perform a payment session corresponding to the payment identifier with the payment platform.

The terminal device converts the payment request into a message format of the second channel, and sends the converted payment request to the payment platform by using the second channel.

Optionally, the continuing the payment session corresponding to the payment identifier by the payment platform includes:

The terminal device receives a payment processing result response message sent by the payment platform by using the second channel.

S310, the payment platform receives the payment request sent by the terminal device by using the second channel, where the payment request carries the payment identifier, and the payment session information corresponding to the saved payment identifier is used. The second channel continues to perform a payment session corresponding to the payment identifier with the terminal.

The payment identifier is used to uniquely identify the payment session information, the payment identifier includes a payment session identifier, or a combination of a user account identifier and a payment session identifier.

The payment identifier may be generated by the terminal device, sent to the payment platform through the first channel, or generated by the payment platform, and sent to the terminal device through the first channel.

The context information generated by the payment platform processing the payment request includes a processing status of the payment request, and the payment session information corresponding to the saved payment identifier and the second channel are continued with the The payment session corresponding to the payment identifier by the terminal includes:

The payment platform finds the payment session information according to the payment identifier and the corresponding relationship, and when the payment platform determines that the processing of the payment request has been completed according to the processing status of the payment request, The second channel returns a payment processing result response message to the terminal device; when the payment platform determines according to a processing status of the payment request When the processing of the payment request has not been completed, the processing of the payment request is continued. After the processing of the payment request is completed, the payment processing result response message is returned to the terminal device through the second channel.

Optionally, the payment processing result response message returned by the payment platform by using the second channel carries a parameter indicating a processing result.

Optionally, the response message returned by the payment platform through the second channel further includes at least one of advertisement information, video information, audio information, and image information.

For example, the user performs a payment operation through the mobile phone client. First, the client on the terminal device 101 initiates a secure session establishment request to the payment platform 102 to establish a secure payment data channel between the client on the terminal device 101 and the payment platform 102, such as The TCP/IP channel sends a payment request to the payment platform 102 after establishing a secure session, where the payment request carries information such as a session identifier, a payment command identifier, a user identifier, payment authentication information, a payee account, and a payment amount, wherein the session identifier is Payment ID.

After the security session is established, the client and the payment platform 102 on the terminal device 101 save the context information of the current security session, and the context information includes at least one of the following: session identifier, authentication status, session expiration time, and payment command identifier. , the execution status of the payment order, and the payment amount. If the terminal device 101 does not receive the response message returned by the payment platform 102 within a predetermined time, the USSD message is sent to the service number of the payment platform 102, and the data processing of the data channel is suspended. The USSD message carries the session identifier and carries the following One or more pieces of information: the last used payment order identifier, user identification, payment authentication information, payee account, payment amount, and the like.

For example, after the USSD channel is established between the terminal device 101 and the payment platform 102, the payment request under the TCP/IP channel is converted into a message under the USSD channel, and the message is delivered through the UssdContinue session message, and the message body is in the message body. The parameter indicates the payment identifier. For example, the payment message parameter can be 0X2C13r5781x5sdf4, including the encoded session identifier 13r5781x5sdf4. The payment command identifier can be carried by the MPMsg_ID field, and the user identifier The identification, the payment authentication information, the payee account, and the payment amount are carried in the Msg_Content field. In addition, the message body further includes the total number of packets and the packet number. The total number of packets can be carried in the Pk_total field, indicating the payment command message corresponding to the same payment command identifier. total. The packet number may be carried by the Pk_number field, indicating the sequence number of the payment command message corresponding to the same payment command identifier.

The payment platform 102 locates a certain context information of the user according to the payment identifier, and determines whether the payment operation has been successfully performed according to the execution status of the payment command identifier and the payment command, and returns a payment success message if the payment has been successful; If the payment operation is not performed, the payment operation is performed; if the payment operation is being executed, the execution result is awaited, and the execution result is returned to the client on the terminal device 101 by the response message of the USSD request. The payment order identifier uniquely identifies a certain payment operation, and the payment platform 102 can use this to determine whether it is the same payment operation and prevent duplicate payment. The data processing of the data channel is suspended to prevent operational errors caused by data returned by the data channel. The payment command identifier used last time is the same as the payment command identifier carried by the payment request sent through the data channel.

If the TCP/IP channel is established between the terminal device 101 and the payment platform 102, the payment request under the USSD channel is converted into a message under the TCP/IP channel, and the https (Hyper Text Transfer Protocol over Secure Socket Layer) security is usually used. The transport protocol communicates with a Get request or a POST request to deliver the message. For example, in the case of the Get request method, the request message carries information including a session identifier, a user account, a user identifier, a payment authentication information, a payee account, a payment amount, and the like, and an example of the request message is as follows: https://www.mmserver.com /pay.action? Payer=lily&UserID=1213&sessionid=13r5781x5sdf4&Auth=abAB&payee=13sdf23423&amount=189.89 where /pay.action indicates the payment command processing entry, sessionid is the session ID, payer indicates the user account, userid indicates the user ID, Auth indicates the payment authentication information, and Payee indicates the payment. Party account, amount indicates the payment amount.

According to the technical solution provided by the embodiment of the present invention, if the terminal device confirms that the payment session corresponding to the payment identifier cannot be completed through the first channel, the second channel between the terminal device and the payment platform is established, and the payment platform records The corresponding relationship between the payment session information and the payment identifier performed by the first channel can maintain the payment session information originally performed by the first channel, and when receiving the payment identifier sent by the terminal device, according to the corresponding relationship and the payment request The processing status can determine whether the payment session information corresponding to the payment identifier is processed, and does not require the user to re-send the payment request through the terminal device, thereby improving the success rate of the payment, and also avoiding that after the user account funds transfer has occurred, The occurrence of repeated deductions caused by the user re-payment.

FIG. 4 is a schematic structural diagram of a terminal device 400 according to an embodiment of the invention. The terminal device 400 includes a transmitting module 402 and a processing module 404. The terminal device 400 is the terminal device 101 shown in FIG. 1 or the computer device 200 in FIG.

The sending module 402 is configured to initiate a payment request to the payment platform by using the first channel, and save the payment session information, where the payment session information includes a payment identifier;

The processing module 404 is configured to establish a second channel with the payment platform when the payment session corresponding to the payment identifier cannot be completed through the first channel;

The sending module 402 is further configured to send, by using the second channel, the payment request to the payment platform, where the payment request carries the payment identifier;

The processing module 404 is further configured to continue to use the payment session information corresponding to the saved payment identifier and the second channel to continue the payment session corresponding to the payment identifier by the payment platform.

The payment session information includes context information generated by the processing module 404 to process the payment request.

Optionally, the sending module 402 is further configured to send the payment request to the payment platform by using the second channel, where the payment request carries the payment identifier: the sending module 402 converts the payment request For the message format of the second channel, through the second pass The channel sends the converted payment request to the payment platform.

Optionally, the terminal device 400 further includes a receiving module 406, where the continuing the payment session corresponding to the payment identifier by the payment platform includes:

The receiving module 406 receives the payment processing result response message sent by the payment platform through the second channel.

Optionally, the packet domain channel is established by using a GPRS, UMTS, LTE, or WIFI network; and the circuit domain signaling channel is a USSD channel or a short message channel.

The "module" may be an Application Specific Integrated Circuit (ASIC), an electronic circuit, a processor and a memory that execute one or more software or firmware programs, a combination logic circuit, and other components that provide the above functions. Optionally, the terminal device 400 is implemented by a computer device, the sending module 402 can be implemented by a processor, a memory, and a communication interface of the computer device, and the processing module 404 can be implemented by a processor and a memory of the computer device, and the receiving module 406 can be implemented by a processor, memory, and communication interface of a computer device.

FIG. 5 is a schematic structural diagram of a payment platform 500 according to an embodiment of the present invention. The payment platform 500 includes a receiving module 502 and a processing module 504. Payment platform 500 is server 102 shown in FIG. 1 or computer device 200 in FIG.

The receiving module 502 is configured to receive a payment request initiated by the terminal device by using the first channel, and save the payment session information, where the payment session information includes a payment identifier.

The processing module 504 is configured to confirm that the payment session corresponding to the payment identifier cannot be completed by using the first channel, and establish a second channel with the terminal device;

The receiving module 502 is further configured to receive, by using the second channel, the terminal device The payment request, the payment request carries the payment identifier, and the payment identifier has a corresponding relationship with the payment session information;

The processing module 504 is configured to continue to use the payment session information corresponding to the saved payment identifier and the second channel to continue the payment session corresponding to the payment identifier by the terminal.

The payment session information includes context information generated by the processing module 504 to process the payment request.

Optionally, the context information generated by the payment platform for processing the payment request includes a processing status of the payment request, and the payment platform 500 further includes a sending module 506, where the processing module 504 uses the saved payment identifier. And the corresponding payment session information and the second channel, and the payment session corresponding to the terminal performing the payment identifier includes:

The processing module 504 finds the payment session information according to the payment identifier and the corresponding relationship. When the processing module 504 determines that the processing of the payment request has been completed according to the processing status of the payment request, the sending module 506 returns a payment processing result response message through the second channel. Giving the terminal device; when the processing module 504 determines that the processing of the payment request has not been completed according to the processing line status of the payment request, the processing of the payment request is continued, and after the processing of the payment request is completed, the sending module 506 returns a payment processing result response message to the terminal device through the second channel.

The “module” may be an Application Specific Integrated Circuit (ASIC), an electronic circuit, and execute one or more software or firmware. The program's processor and memory, combinatorial logic, and other components that provide the above functionality. Optionally, the payment platform 500 is implemented by a computer device, the receiving module 502 can be implemented by a processor, a memory, and a communication interface of the computer device, and the processing module 504 can be implemented by a processor and a memory of the computer device, and the sending module 506 can be implemented by a processor, memory, and communication interface of a computer device.

It should be noted that although the general purpose computer architecture 200 shown in FIG. 2 only shows the processor 202, the memory 204, the communication interface 206, and the bus 208, those skilled in the art will appreciate that the above data processing apparatus will be understood by those skilled in the art. It also contains other devices necessary to get it running. At the same time, those skilled in the art will appreciate that the above data processing apparatus may also include hardware devices that implement other additional functions, depending on the particular needs. Moreover, those skilled in the art will appreciate that the data processing apparatus described above may also only include the components necessary to implement the embodiments of the present invention, and do not necessarily include all of the components shown in FIG.

In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention, which is essential or contributes to the prior art, or all or part of the technical solution, may be embodied in the form of a software product stored in a storage medium. A number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) or a processor to perform all or part of the steps of the methods described in various embodiments of the present invention. The foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like. .

The above is only a specific embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily think of changes or substitutions within the technical scope of the present invention. It should be covered by the scope of the present invention. Therefore, the scope of the invention should be determined by the scope of the appended claims.

Claims

A mobile payment method, comprising the steps of:

The terminal device initiates a payment request to the payment platform through the first channel and saves the payment session information, where the payment session information includes a payment identifier;

Establishing a second channel with the payment platform when the terminal device confirms that the payment session corresponding to the payment identifier cannot be completed through the first channel;

Sending, by the second channel, the payment request to the payment platform, the payment request carrying the payment identifier, and using the saved payment session corresponding to the payment session information and the The second channel continues to perform the payment session corresponding to the payment identifier with the payment platform.
The method of claim 1, wherein the payment session information comprises context information generated by the terminal device processing the payment request.
The method according to claim 1 or 2, wherein the terminal device sends the payment request to the payment platform through the second channel: the terminal device converts the payment request into the a message format of the second channel, where the converted payment request is sent to the payment platform by using the second channel.
The method according to any one of claims 1 to 3, wherein the continuing the payment session corresponding to the payment identifier by the payment platform comprises:

The terminal device receives a payment processing result response message sent by the payment platform by using the second channel.
The method according to any one of claims 1 to 4, wherein the first channel is a packet domain channel established based on a Transmission Control Protocol/Internet Protocol TCP/IP, and the second channel is a circuit domain letter. The channel is; or, the first channel is a circuit domain signaling channel, and the second channel is a packet domain channel established based on TCP/IP.
The method according to claim 5, wherein said packet domain channel is a general packet radio service GPRS, a universal mobile communication system UMTS, long term evolution LTE or none The line fidelity WIFI network is established; the circuit domain signaling channel is an unstructured supplementary data service USSD channel or a short message channel.
A mobile payment method, comprising the steps of:

The payment platform receives the payment request initiated by the terminal device through the first channel and saves the payment session information, where the payment session information includes a payment identifier;

The payment platform confirms that the payment session corresponding to the payment identifier cannot be completed through the first channel, and establishes a second channel with the terminal device;

The payment platform receives the payment request sent by the terminal device by using the second channel, where the payment request carries the payment identifier, and the payment identifier has a corresponding relationship with the payment session information;

And the payment platform uses the saved payment session information corresponding to the payment identifier and the second channel to continue the payment session corresponding to the payment identifier by the terminal.
The method of claim 7, wherein the payment session information comprises context information generated by the payment platform to process the payment request.
The method according to claim 8, wherein the context information includes a processing status of the payment request, the payment session information corresponding to the saved payment identifier, and the second channel, And continuing to perform the payment session corresponding to the payment identifier by the terminal includes:

The payment platform finds the payment session information according to the payment identifier and the corresponding relationship, and when the payment platform determines that the processing of the payment request has not been completed according to the processing status of the payment request, the payment platform continues to complete After the processing of the payment request is completed, the payment processing result response message is returned to the terminal device through the second channel after the processing of the payment request is completed.
The method according to any one of claims 7 to 9, wherein the first channel is a packet domain channel established based on a Transmission Control Protocol/Internet Protocol TCP/IP, and the second channel is a circuit domain letter. Let the channel; or, the first channel is a circuit domain signaling channel, and the second channel is a channel established based on TCP/IP.
The method according to claim 10, wherein the packet domain channel is established by a GPRS, UMTS, LTE or WIFI network; and the circuit domain signaling channel is a USSD channel or a short message channel.
A terminal device, comprising: a sending module and a processing module:

The sending module is configured to initiate a payment request to the payment platform by using the first channel, and save the payment session information, where the payment session information includes a payment identifier;

The processing module is configured to establish a second channel with the payment platform when the payment session corresponding to the payment identifier cannot be completed through the first channel;

The sending module is further configured to send the payment request to the payment platform by using the second channel, where the payment request carries the payment identifier;

The processing module is further configured to continue to use the payment session information corresponding to the saved payment identifier and the second channel to continue the payment session corresponding to the payment identifier by the payment platform.
The terminal device according to claim 12, wherein the payment session information comprises context information generated by the processing module to process the payment request.
The terminal device according to claim 12 or 13, wherein the terminal device sends the payment request to the payment platform through the second channel: the terminal device converts the payment request into a location a message format of the second channel, where the converted payment request is sent to the payment platform by using the second channel.
The terminal device according to any one of claims 12 to 14, wherein the continuing the payment session corresponding to the payment identifier by the payment platform comprises:

The terminal device receives a payment processing result response message sent by the payment platform by using the second channel.
The terminal device according to any one of claims 12 to 15, wherein the first channel is a packet domain channel established based on a Transmission Control Protocol/Internet Protocol TCP/IP, and the second channel is a circuit domain. a signaling channel; or, the first channel is a circuit domain signaling channel, and the second channel is a packet domain channel established based on TCP/IP.
The terminal device according to claim 16, wherein the packet domain channel is established by using a GPRS, UMTS, LTE or WIFI network; and the circuit domain signaling channel is a USSD channel or a short message channel.
A payment platform, comprising: a receiving module and a processing module:

The receiving module is configured to receive a payment request initiated by the terminal device by using the first channel, and save payment session information, where the payment session information includes a payment identifier;

The processing module is configured to confirm that the payment session corresponding to the payment identifier cannot be completed through the first channel, and establish a second channel with the terminal device;

The receiving module further receives the payment request sent by the terminal device by using the second channel, where the payment request carries the payment identifier, and the payment identifier has a corresponding relationship with the payment session information;

The processing module is further configured to continue to use the payment session information corresponding to the saved payment identifier and the second channel to continue the payment session corresponding to the payment identifier by the terminal.
The payment platform of claim 18, wherein the payment session information comprises context information generated by the processing module to process the payment request.
The payment platform according to claim 19, further comprising a sending module, wherein the context information includes a processing status of the payment request, the payment session information corresponding to the saved payment identifier, and The second channel, continuing the payment session corresponding to the terminal to perform the payment identifier, includes:

The processing module finds the payment session information according to the payment identifier and the corresponding relationship, and when the processing module determines that the processing of the payment request has not been completed according to the processing status of the payment request, the processing module continues to complete After the processing of the payment request is completed, the sending module returns a payment processing result response message to the terminal device by using the second channel.
The payment platform according to any one of claims 18 to 20, wherein the first channel is a packet established based on a Transmission Control Protocol/Internet Protocol TCP/IP The domain channel, the second channel is a circuit domain signaling channel; or the first channel is a circuit domain signaling channel, and the second channel is a channel established based on TCP/IP.
The payment platform according to claim 21, wherein said packet domain channel is established through a GPRS, UMTS, LTE or WIFI network;

The circuit domain signaling channel is a USSD channel or a short message channel.
A computing device comprising: a processor, a memory, a bus, and a communication interface; the memory for storing computing device execution instructions, the processor being coupled to the memory via the bus, when the computing device is operating, The processor executes the computer-executed instructions stored by the memory to cause the computing device to perform the method of claims 1-6.
A computing device comprising: a processor, a memory, a bus, and a communication interface; the memory for storing computing device execution instructions, the processor being coupled to the memory via the bus, when the computing device is operating, The processor executes the computer-executed instructions stored by the memory to cause the computing device to perform the method of claims 7-11.