WO2017206747A1 - 移动支付方法、装置及系统 - Google Patents

移动支付方法、装置及系统 Download PDF

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Publication number
WO2017206747A1
WO2017206747A1 PCT/CN2017/085283 CN2017085283W WO2017206747A1 WO 2017206747 A1 WO2017206747 A1 WO 2017206747A1 CN 2017085283 W CN2017085283 W CN 2017085283W WO 2017206747 A1 WO2017206747 A1 WO 2017206747A1
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WIPO (PCT)
Prior art keywords
mobile terminal
information
payment
identification information
party server
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2017/085283
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English (en)
French (fr)
Chinese (zh)
Inventor
孙元博
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Alibaba Group Holding Ltd
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Alibaba Group Holding Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Alibaba Group Holding Ltd filed Critical Alibaba Group Holding Ltd
Priority to JP2018563457A priority Critical patent/JP6917395B2/ja
Priority to KR1020187037695A priority patent/KR102372571B1/ko
Priority to MYPI2018002251A priority patent/MY200727A/en
Priority to SG11201810595PA priority patent/SG11201810595PA/en
Priority to EP17805692.5A priority patent/EP3467744A4/en
Publication of WO2017206747A1 publication Critical patent/WO2017206747A1/zh
Priority to PH12018502537A priority patent/PH12018502537A1/en
Priority to US16/205,839 priority patent/US11100473B2/en
Anticipated expiration legal-status Critical
Priority to US16/725,913 priority patent/US11100474B2/en
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
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    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices

Definitions

  • the present invention relates to the field of electronic finance technologies, and in particular, to a mobile payment method, device and system.
  • Mobile payment is a mobile payment that allows mobile users to use their mobile terminal (usually mobile phone).
  • mobile payment has the characteristics of mobility, timeliness, personalization and convenience. It directly pushes the bank processing system of the bank counter and the merchant's storage platform to the user. With the mobile terminal, you can trade with various objects anytime, anywhere.
  • the mobile payment is implemented by the payment application (application) installed on the mobile terminal, that is, the user needs to send the payment request information to the financial server through the payment APP in the mobile terminal when performing the financial payment, for example, through the mobile terminal.
  • the Alipay, WeChat, and the like send payment request information, and after receiving the payment request information, the financial server performs corresponding operations on the user account carried in the payment request information. Therefore, existing mobile payment cannot implement mobile payment without installing a payment APP.
  • the present invention has been made in order to provide a mobile payment method, apparatus and system that overcomes the above problems or at least partially solves the above problems.
  • the present invention mainly provides the following technical solutions:
  • an embodiment of the present invention provides a mobile payment method, where the method includes:
  • Receiving payment information sent by the second mobile terminal where the payment information includes first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and a payment corresponding to the first mobile terminal identification information.
  • an embodiment of the present invention further provides a mobile payment method, where the method includes:
  • the payment information includes the first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and a payment corresponding to the first mobile terminal identification information.
  • the amount so that the third-party server acquires account information corresponding to the first mobile terminal identification information, and enables the payment amount to be transferred from the account corresponding to the first mobile terminal identification information to the currently running payment in the second mobile terminal Apply the account corresponding to the APP.
  • an embodiment of the present invention further provides a mobile payment device, where the device includes:
  • a receiving unit configured to receive the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and the first mobile terminal The payment amount corresponding to the identification information, wherein the first mobile terminal identification information is sent by the first mobile terminal to the second mobile terminal, and the first mobile terminal does not have the payment application APP installed;
  • An obtaining unit configured to obtain account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the corresponding payment application APP currently running in the second mobile terminal account number.
  • an embodiment of the present invention further provides a mobile payment device, where the device includes:
  • a receiving unit configured to receive a payment request sent by the first mobile terminal, where the payment request includes first mobile terminal identification information, and the first mobile terminal does not install a payment application APP;
  • a sending unit configured to send the payment information to the third-party server, where the payment information includes the first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and the first mobile terminal Identifying a payment amount corresponding to the information, so that the third-party server acquires account information corresponding to the first mobile terminal identification information, and enables the payment amount to be transferred from the account corresponding to the first mobile terminal identification information to the second mobile terminal The account corresponding to the payment application APP currently running.
  • An embodiment of the present invention further provides a mobile payment system, where the system includes: a first mobile terminal, a second mobile terminal, and a third-party server;
  • the first mobile terminal is configured to send a payment request to the second mobile terminal, where the payment request includes first mobile terminal identification information, and the first mobile terminal does not install a payment application APP;
  • the second mobile terminal is configured to send payment information to the third-party server, where the payment information includes a first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information;
  • the third-party server is configured to obtain account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the currently running payment application in the second mobile terminal.
  • the account corresponding to the APP is configured to obtain account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the currently running payment application in the second mobile terminal.
  • the technical solution provided by the embodiment of the present invention has at least the following advantages:
  • the mobile payment method, device and system provided by the embodiment of the present invention firstly receive the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, and the payment application currently running in the second mobile terminal.
  • the account corresponding to the APP and the payment amount corresponding to the first mobile terminal identification information and then acquiring the account information corresponding to the first mobile terminal identification information, so that the payment amount can be from the account corresponding to the first mobile terminal identification information.
  • the first mobile terminal may send the first mobile terminal to the third-party server by using the second mobile terminal.
  • the payment information includes the first mobile terminal identification information, and after receiving the payment information, the third-party server acquires the account information of the first mobile terminal identification information, so that the payment amount can be corresponding to the first mobile terminal identification information.
  • the account is transferred to the account corresponding to the currently running payment application APP in the second mobile terminal, so that the first mobile terminal in the embodiment of the present invention can also implement mobile payment without installing the payment APP.
  • FIG. 1 is a flowchart of a mobile payment method according to an embodiment of the present invention
  • FIG. 2 is a flowchart of another mobile payment method according to an embodiment of the present invention.
  • FIG. 3 is a flowchart of still another mobile payment method according to an embodiment of the present invention.
  • FIG. 4 is a flowchart of still another mobile payment method according to an embodiment of the present invention.
  • FIG. 5 is a structural block diagram of a mobile payment device according to an embodiment of the present invention.
  • FIG. 6 is a structural block diagram of another mobile payment device according to an embodiment of the present invention.
  • FIG. 7 is a structural block diagram of still another mobile payment device according to an embodiment of the present invention.
  • FIG. 8 is a structural block diagram of still another mobile payment device according to an embodiment of the present invention.
  • FIG. 9 is a structural block diagram of a mobile payment system according to an embodiment of the present invention.
  • FIG. 10 is a schematic diagram of a mobile payment application scenario according to an embodiment of the present invention.
  • the embodiment of the invention provides a mobile payment method, which is applied to a third-party server. As shown in FIG. 1 , the method includes:
  • the payment information includes the first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information, where the first mobile terminal does not
  • the payment application APP is installed, and the account corresponding to the payment application APP currently running in the second mobile terminal may be a registered account that is input when the user logs in to the application APP through the second mobile terminal.
  • the payment is performed.
  • the application APP may be specifically Alipay, WeChat, etc., and is not specifically limited in the embodiment of the present invention.
  • the second mobile terminal and the second mobile terminal may be a personal computer (PC), a tablet computer, a smart phone, a personal digital assistant (PDA), and a laptop portable device.
  • PC personal computer
  • PDA personal digital assistant
  • the computer, the in-vehicle computer, and the like are not specifically limited in the embodiment of the present invention.
  • the first mobile terminal and the second mobile terminal in the present invention are devices that are authenticated by the IFAA (Internet Financial Identity Authentication) alliance or the authority through the PKI (Public Key Infrastructure) system, that is, the first mobile terminal.
  • a certificate authenticated in the above manner is stored in the security area of the second mobile terminal, and the certificate is used for transmission to a third party for authentication.
  • the first mobile terminal identification information is used to uniquely identify the first mobile terminal, and the first mobile terminal identification information may be specifically a hardware unique code of the first mobile terminal, or may be a certificate in the first mobile terminal.
  • the first mobile terminal identification information is sent by the first mobile terminal to the second mobile terminal, and the first mobile terminal may specifically communicate through Bluetooth, scanning, NFC (Near Field Communication), and the like.
  • the first mobile terminal identification information is sent to the second mobile terminal, which is not limited in the embodiment of the present invention.
  • the first mobile terminal sends the first mobile terminal to the second mobile terminal by using a communication manner such as Bluetooth, scanning, or NFC.
  • a mobile terminal identification information can enable the first mobile terminal to pay for the second mobile terminal without the network.
  • the second mobile terminal is an identity-certified terminal having a device authorization function
  • the identity verification of the second mobile terminal is implemented by a third-party server, that is, the third-party server is currently running in the second mobile terminal.
  • the second mobile terminal can send the payment information of the first mobile terminal to the Alipay server.
  • the third-party server can authenticate the device through the device certificate in the second mobile terminal.
  • the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the account corresponding to the currently running payment application APP in the second mobile terminal.
  • the process of transferring the payment amount from the account corresponding to the first mobile terminal identification information to the account corresponding to the payment application APP currently running by the second mobile terminal may be: firstly, the account information corresponding to the first terminal identification information and The payment information is sent to the financial server, and then the corresponding amount in the first terminal account is configured by the financial server to the account of the payment application APP currently running by the second mobile terminal.
  • the Alipay server receives the payment information. Afterwards, the account information corresponding to the first mobile terminal identification information is first obtained, and then the payment server transfers the payment amount from the account corresponding to the first mobile terminal identification information to the account corresponding to the currently running payment application APP in the second mobile terminal; If the obtained account corresponding to the first mobile terminal identification information is in the form of a bank account or the like, after the third party server receives the payment information and obtains the account information corresponding to the first mobile terminal identification information, the third party server will pay The account corresponding to the first terminal identification information is sent to the corresponding bank, so that the corresponding bank transfers the account corresponding to the first mobile terminal identification information to the account corresponding to the currently running payment application APP in the second mobile terminal.
  • the third-party server stores a plurality of account information
  • the account information may be a financial account such as a bank account, an Alipay account, and a balance treasure
  • each account information corresponds to a first mobile terminal identification information. Therefore, after receiving the payment information sent by the second mobile terminal, the third-party server may search for the account information corresponding to the second mobile terminal according to the first mobile terminal identification information in the payment information, and after obtaining the corresponding account information, Therefore, the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the account corresponding to the currently running payment application APP in the second mobile terminal.
  • the account information stored in the third-party server may be obtained through the historical payment information of the first mobile terminal, or may be obtained by the first mobile terminal to the third-party server, or may be obtained by the second mobile terminal.
  • the dynamic terminal is forwarded, which is not specifically limited in the embodiment of the present invention.
  • the Alipay server automatically stores the account information of the user and the corresponding first mobile terminal identification information. Therefore, when the user performs the mobile payment again, the third party server can obtain the corresponding account information according to the first mobile terminal identification information even if the user has uninstalled the payment APP in the first mobile terminal.
  • the third party server receives the payment information sent by the second mobile terminal
  • the third party server sends the account information to the second mobile terminal.
  • the first mobile terminal user may actively send the account information to the third-party server, and may also send the account information to the second mobile terminal through Bluetooth, scanning, NFC, etc., and then by the second The mobile terminal forwards the account information of the first mobile terminal to the third party server.
  • the account of the first mobile terminal is used.
  • the information is stored in association with the first mobile terminal identification information, so that the third party server directly obtains the account information corresponding to the first mobile terminal identification information from the internally stored account information when the first mobile terminal performs the mobile payment again.
  • the first mobile terminal is a terminal having a device authorization function by using a third-party server ID card. Therefore, when the first mobile terminal makes a payment to the second mobile terminal, the first mobile terminal may first pass the Bluetooth.
  • the communication technology of the scan, the NFC, and the like sends the first mobile terminal identification information to the second mobile terminal, and then the second mobile terminal sends the payment information to the third-party server, where the payment information includes the first mobile terminal identification information and the second mobile
  • the amount can be transferred from the account corresponding to the first mobile terminal identification information to the account corresponding to the currently running payment application APP in the second mobile terminal.
  • the first mobile terminal makes a payment to the second mobile terminal
  • a mobile terminal only needs to send the first mobile terminal to the second mobile terminal
  • the first mobile terminal is implemented in the payment without installing the APP can also be mobile payment by the present invention.
  • the mobile payment method provided by the embodiment of the present invention first receives the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, and the account corresponding to the payment application APP currently running in the second mobile terminal. And the payment amount corresponding to the first mobile terminal identification information, and then acquiring the account information corresponding to the first mobile terminal identification information, so that the payment amount can be from the account corresponding to the first mobile terminal identification information. The number is transferred to the account corresponding to the currently running payment application APP in the second mobile terminal.
  • the first mobile terminal may send the first mobile terminal to the third-party server by using the second mobile terminal.
  • the payment information includes the first mobile terminal identification information, and after receiving the payment information, the third-party server acquires the account information of the first mobile terminal identification information, so that the payment amount can be corresponding to the first mobile terminal identification information.
  • the account is transferred to the account corresponding to the currently running payment application APP in the second mobile terminal, so that the first mobile terminal in the embodiment of the present invention can also implement mobile payment without installing the payment APP.
  • An embodiment of the present invention provides another mobile payment method, which is applied to a third-party server. As shown in FIG. 2, the method includes:
  • the requesting activation device authorization function information carries the device certificate of the second mobile terminal, and the second mobile terminal is authenticated by the IFAA (Internet Financial Identity Authentication) alliance or the authority through the PKI (Public Key Infrastructure) system.
  • the device that is, the security area of the second mobile terminal, stores a certificate authenticated in the above manner, and the certificate is used for transmission to a third-party server for authentication.
  • the device certificate of the second mobile terminal is a certificate stored in the security area of the second mobile terminal.
  • verifying whether the device certificate is legal may be implemented by determining whether a corresponding device certificate exists in the third-party server, and if the corresponding device certificate exists in the third-party server, verifying that the device certificate is legal; If the corresponding device certificate does not exist in the third-party server, the device certificate is invalid.
  • the second mobile terminal is configured to obtain verification data according to the verification mode information.
  • the verification mode information may specifically be a face verification, a document verification, a handwriting verification, a voiceprint verification, an eyeprint verification, and the like, which are not specifically limited in the embodiment of the present invention.
  • the second mobile terminal after receiving the verification mode information sent by the third-party server, the second mobile terminal outputs the verification mode prompt information to prompt the user to input the corresponding verification data. For example, if the received verification mode information is document verification and voiceprint verification, the document verification and voiceprint verification prompt information is first output, and then the document data and the sound data input by the second mobile terminal user are received.
  • the method further includes: acquiring credit information of the account corresponding to the second mobile terminal, where the credit information is used to evaluate the credit of the second mobile terminal; Detecting whether the credit information of the account corresponding to the second mobile terminal exceeds a preset threshold.
  • the sending the verification mode information to the second mobile terminal includes: if the credit information of the account corresponding to the second mobile terminal exceeds a preset threshold, then The second mobile terminal sends verification mode information.
  • the credit information of the second mobile terminal account information is used to evaluate the credit of the second mobile terminal, and the credit information may be a sesame credit in the Alipay, and the preset threshold may be configured according to actual requirements, where the preset threshold is specific.
  • the payment information sent by the second mobile terminal to the third-party server is actually the financial payment of the second mobile terminal by the first mobile terminal, the credit information of the account corresponding to the second mobile terminal exceeds the pre-payment.
  • the verification mode information is sent to the second mobile terminal, which can ensure the security of the payment of the first mobile terminal.
  • the device authorization function of the second mobile terminal is enabled.
  • the second mobile terminal can implement sending payment information to the third-party server.
  • the method further includes: sending the opening information of the second mobile terminal to the second mobile terminal, so that the second mobile terminal confirms the opening information.
  • the opening information of the second mobile terminal is sent to the second mobile terminal, and is used to prompt the second mobile terminal user that the current device has activated the device authorization function, and the third mobile terminal can be used to the third-party server. Send payment information.
  • the method further includes: receiving the first mobile terminal identity authentication information sent by the second mobile terminal,
  • the first mobile terminal identity authentication information includes the first mobile terminal identity information; generating token information corresponding to the first mobile terminal identity information; and transmitting the token information to the second mobile terminal .
  • the first mobile terminal identification information may be a hardware unique code of the first mobile terminal, or may be a certificate in the first mobile terminal, which is not specifically limited in this embodiment of the present invention.
  • the payment information includes the first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information, where the first mobile terminal does not Install the payment app.
  • the first mobile terminal identification information is sent by the first mobile terminal to the second mobile terminal, and the first mobile terminal may specifically use Bluetooth, scanning, NFC (Near Field Communication), etc.
  • the communication mode sends the first mobile terminal identification information to the second mobile terminal, which is not limited in the embodiment of the present invention.
  • the first mobile terminal sends the second mobile terminal to the second mobile terminal by using a communication manner such as Bluetooth, scanning, or NFC. Sending the first mobile terminal identification information enables the first mobile terminal to pay the second mobile terminal without the network.
  • the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the account corresponding to the currently running payment application APP in the second mobile terminal.
  • the method further includes: respectively verifying whether the token information and the device certificate of the first mobile terminal are correct; and obtaining the first mobile terminal identification information
  • the corresponding account information includes: if the token information and the device certificate of the first mobile terminal are all verified correctly, acquiring account information corresponding to the first mobile terminal identification information. And verifying, respectively, whether the token information and the device certificate of the first mobile terminal are correct, that is, searching for a corresponding token information and a device certificate of the first mobile terminal in a third-party server, if the third-party server If there is corresponding token information and a device certificate of the first mobile terminal, the token information and the device certificate of the first mobile terminal are verified to be correct.
  • the third party server after the third party server generates the token information according to the first mobile terminal identification information, the third party server only caches the token information for a short time. For example, if the generated token information is 14:00 and the token is valid for 3 minutes on the third-party server, the token information generated after the current time is 14:03 will be automatically deleted from the third-party server. .
  • the verified token information and the device certificate of the first mobile terminal are both correct, the account information corresponding to the first mobile terminal identification information is acquired, and the payment by the first mobile terminal is ensured. safety.
  • the method further includes: if the payment amount is successful, transferring from the account corresponding to the first mobile terminal identification information to the first The account corresponding to the payment application APP currently running in the mobile terminal sends the first mobile terminal payment success prompt information to the second mobile terminal.
  • the method includes: an Alipay application installed in the supermarket payment device, and no payment application installed in the mobile phone. If the user needs to perform checkout through the mobile phone, The supermarket payment device first needs to send a request for opening the device authorization function to the Alipay server. After receiving the request, the Alipay server verifies the certificate of the supermarket payment device, and if the verification passes, it detects whether the credit corresponding to the supermarket payment device exceeds a preset threshold.
  • the face authentication mode information is sent to the supermarket payment device, and after receiving the face authentication mode information, the supermarket payment device sends the captured face image and the certificate to the Alipay server, and then the image is verified by the Alipay server. If the certificate is correct, if the verification is correct, send the device authorization function to the supermarket payment device to open the success message to remind the supermarket staff that the current supermarket payment device can forward the mobile phone. Payment request.
  • the mobile phone user When the mobile phone user needs to settle the item purchased by the mobile phone, he first needs to obtain the token corresponding to the current payment request, and then sends a payment request to the supermarket payment device, and the supermarket payment device sends the payment to the Alipay server after receiving the payment request.
  • the information includes the mobile phone identification information, the mobile phone's certificate and the token corresponding to the current payment request, the account corresponding to the payment application APP currently running in the supermarket payment device, and the payment amount corresponding to the mobile phone, and the Alipay server receives the information. After the payment information is verified, the certificate corresponding to the mobile phone and the token corresponding to the payment request are correct.
  • the account corresponding to the mobile phone identification information is obtained, and the payment information is obtained. And the account corresponding to the mobile phone is sent to the financial service, so that the financial server payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the account corresponding to the currently running payment application APP in the second mobile terminal.
  • the specific process of obtaining the token corresponding to the current payment request is: first, obtaining the identification information of the mobile phone, and then sending the identity authentication information to the supermarket payment device, where the identity authentication information includes the identification information of the mobile phone.
  • the supermarket payment device After receiving the identity authentication information, the supermarket payment device forwards the information to the Alipay server, and then the Alipay server generates a token corresponding to the mobile phone identification information, and sends the generated token to the supermarket payment device.
  • the mobile payment method provided by the embodiment of the present invention first receives the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, and the payment application APP currently running in the second mobile terminal corresponds to And the account amount and the payment amount corresponding to the first mobile terminal identification information, and then acquiring the account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the first account
  • the account corresponding to the payment application APP currently running in the mobile terminal when the first mobile terminal needs to pay to the second mobile terminal, the first mobile terminal may send the first mobile terminal to the third-party server by using the second mobile terminal.
  • the payment information includes the first mobile terminal identification information, and after receiving the payment information, the third-party server acquires the account information of the first mobile terminal identification information, so that the payment amount can be corresponding to the first mobile terminal identification information.
  • the account is transferred to the account corresponding to the currently running payment application APP in the second mobile terminal, so that the first mobile terminal in the embodiment of the present invention can also implement mobile payment without installing the payment APP.
  • An embodiment of the present invention provides a mobile payment method, which is applied to a second mobile terminal. As shown in FIG. 3, the method includes:
  • the payment request includes first mobile terminal identification information, and the first mobile terminal does not install a payment.
  • the first mobile terminal may specifically send the first mobile terminal identification information to the second mobile terminal by using a communication manner such as Bluetooth, scanning, or NFC (Near Field Communication), which is not limited in the embodiment of the present invention.
  • the first mobile terminal sends the first mobile terminal identification information to the second mobile terminal by using a communication manner such as Bluetooth, scanning, or NFC, so that the first mobile terminal can reach the second mobile terminal without the network. Make a payment.
  • the first mobile terminal and the second mobile terminal in the present invention are devices that are authenticated by an IFAA (Internet Financial Identity Authentication) alliance or an authority through a PKI (Public Key Infrastructure) system, that is, a first mobile terminal and The certificate in the above manner is stored in the security area of the second mobile terminal, and the certificate is used for transmission to a third party for identity verification.
  • the first mobile terminal identification information is used to uniquely identify the first mobile terminal, and the first mobile terminal identification information may be a hardware unique code of the first mobile terminal, or may be a certificate in the first mobile terminal, in the embodiment of the present invention. No specific restrictions.
  • the second mobile terminal is an identity-certified terminal having a device authorization function
  • the identity verification of the second mobile terminal is implemented by a third-party server
  • the third-party server is a third-party application in the second mobile terminal.
  • the Alipay application in the second mobile terminal can send the payment information of the first mobile terminal to the Alipay server only after the device authorization function is confirmed by the Alipay server identity.
  • the third-party server can authenticate the device through the device certificate in the second mobile terminal.
  • the payment information includes the first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information, and further, And causing the third-party server to obtain the account information corresponding to the first mobile terminal identification information, and enable the payment amount to be transferred from the account corresponding to the first mobile terminal identification information to the current payment application APP corresponding to the second mobile terminal.
  • Account number the number of the payment amount to be transferred from the account corresponding to the first mobile terminal identification information to the current payment application APP corresponding to the second mobile terminal.
  • the first mobile terminal is a terminal having a device authorization function by using a third-party server ID card. Therefore, when the first mobile terminal makes a payment to the second mobile terminal, the first mobile terminal may first pass the Bluetooth.
  • the communication technology of the scan, the NFC, and the like sends the first mobile terminal identification information to the second mobile terminal, and then the second mobile terminal sends the payment information to the third-party server, where the payment information includes the first mobile terminal identification information and the second mobile
  • the amount can be transferred from the account corresponding to the first mobile terminal identification information to the account corresponding to the currently running payment application APP in the second mobile terminal, and the first mobile terminal can be seen through the above process.
  • the first mobile terminal identification information only needs to be sent to the second mobile terminal.
  • the mobile payment method provided by the embodiment of the present invention first receives the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, and the payment application APP currently running in the second mobile terminal corresponds to And the account amount and the payment amount corresponding to the first mobile terminal identification information, and then acquiring the account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the first account
  • the account corresponding to the payment application APP currently running in the mobile terminal when the first mobile terminal needs to pay to the second mobile terminal, the first mobile terminal may send the first mobile terminal to the third-party server by using the second mobile terminal.
  • the payment information includes the first mobile terminal identification information, and after receiving the payment information, the third-party server acquires the account information of the first mobile terminal identification information, so that the payment amount can be corresponding to the first mobile terminal identification information.
  • the account is transferred to the account corresponding to the currently running payment application APP in the second mobile terminal, so that the first mobile terminal in the embodiment of the present invention can also implement mobile payment without installing the payment APP.
  • An embodiment of the present invention provides a mobile payment method, which is applied to a second mobile terminal. As shown in FIG. 4, the method includes:
  • the requesting activation device authorization function information carries the device certificate of the second mobile terminal, so that the third-party server verifies whether the device certificate is legal.
  • the second mobile terminal is a device that is authenticated by an IFAA (Internet Financial Identity Authentication) alliance or an authority through a PKI (Public Key Infrastructure) system, that is, the security area of the second mobile terminal is stored and authenticated by the above manner. Certificate that is passed to a third-party server for authentication.
  • the device certificate of the second mobile terminal is a certificate stored in the security area of the second mobile terminal.
  • the verification mode information may specifically be a face verification, a document verification, a handwriting verification, a voiceprint verification, an eyeprint verification, and the like, which are not specifically limited in the embodiment of the present invention.
  • the document verification and voiceprint verification prompt information is first output, and then the document data and the sound data input by the second mobile terminal user are received.
  • the third server is caused to detect whether the verification data is correct.
  • the third-party server detects that the verification data is correct, receiving, by the third-party server, the second mobile terminal device authorization function activation success prompt message.
  • the second mobile terminal can implement sending payment information to the third-party server.
  • the second mobile terminal device authorization function is enabled to prompt the second mobile terminal user to enable the device authorization function, and the second mobile terminal can send the payment information to the third-party server. .
  • the identity authentication information includes the first mobile terminal identification information, where the first mobile terminal does not have a payment APP, and the first mobile terminal identification information may be a hardware unique code of the first mobile terminal, or may be a first mobile
  • the certificate in the terminal is not specifically limited in the embodiment of the present invention.
  • the first mobile terminal may send the first mobile terminal identification information to the second mobile terminal by using a communication manner such as Bluetooth, scanning, or NFC (Near Field Communication), which is not limited in the embodiment of the present invention.
  • the first mobile terminal sends the first mobile terminal identification information to the second mobile terminal by using a communication manner such as Bluetooth, scanning, or NFC, so that the first mobile terminal can reach the second mobile terminal without the network. Make a payment.
  • the third party server is configured to generate token information corresponding to the first mobile terminal identification information. It should be noted that after the third party server generates the token information according to the first mobile terminal identification information, the token information is only cached for a short time. For example, if the generated token information is 14:00 and the token is valid for 3 minutes on the third-party server, the token information generated after the current time is 14:03 will be automatically deleted from the third-party server. .
  • the payment request includes first mobile terminal identification information.
  • the payment information includes first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information, token information, and the first Device certificate for the mobile terminal.
  • the third-party server is configured to verify whether the token information and the device certificate of the first mobile terminal are correct, and if the token information and the device certificate of the first mobile terminal are verified correctly, Then, the account information corresponding to the first mobile terminal identification information is obtained, and the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the account corresponding to the currently running payment application APP in the second mobile terminal.
  • the account information corresponding to the first mobile terminal identification information is acquired, and the payment by the first mobile terminal is ensured. safety.
  • the mobile payment method provided by the embodiment of the present invention first receives the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, and the payment application APP currently running in the second mobile terminal corresponds to And the account amount and the payment amount corresponding to the first mobile terminal identification information, and then acquiring the account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the first account
  • the account corresponding to the payment application APP currently running in the mobile terminal when the first mobile terminal needs to pay to the second mobile terminal, the first mobile terminal may send the first mobile terminal to the third-party server by using the second mobile terminal.
  • the payment information includes the first mobile terminal identification information, and after receiving the payment information, the third-party server acquires the account information of the first mobile terminal identification information, so that the payment amount can be corresponding to the first mobile terminal identification information.
  • the account is transferred to the account corresponding to the currently running payment application APP in the second mobile terminal, so that the first mobile terminal in the embodiment of the present invention can also implement mobile payment without installing the payment APP.
  • the embodiment of the present invention provides a mobile payment device.
  • the device includes: a receiving unit 51, and an obtaining unit 52.
  • the receiving unit 51 is configured to receive the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and the first mobile a payment amount corresponding to the terminal identification information, where the first mobile terminal identification information is sent by the first mobile terminal to the second mobile terminal, and the first mobile terminal does not have a payment APP installed;
  • the obtaining unit 52 is configured to obtain the account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the payment application APP currently running in the second mobile terminal. Account number.
  • a mobile payment device first receives payment information sent by a second mobile terminal,
  • the payment information includes first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information, and then acquired with the first mobile
  • the account information corresponding to the terminal identification information is such that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the account corresponding to the currently running payment application APP in the second mobile terminal.
  • the first mobile terminal may send the first mobile terminal to the third-party server by using the second mobile terminal.
  • the payment information includes the first mobile terminal identification information, and after receiving the payment information, the third-party server acquires the account information of the first mobile terminal identification information, so that the payment amount can be corresponding to the first mobile terminal identification information.
  • the account is transferred to the account corresponding to the currently running payment application APP in the second mobile terminal, so that the first mobile terminal in the embodiment of the present invention can also implement mobile payment without installing the payment APP.
  • the embodiment of the present invention provides another mobile payment device.
  • the device includes: a receiving unit 61, and an obtaining unit 62.
  • the receiving unit 61 is configured to receive the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and the first mobile a payment amount corresponding to the terminal identification information, where the first mobile terminal identification information is sent by the first mobile terminal to the second mobile terminal, and the first mobile terminal does not have a payment APP installed;
  • the obtaining unit 62 is configured to obtain the account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the payment application APP currently running in the second mobile terminal. Account number.
  • the device further includes: a verification unit 64, a sending unit 63;
  • the receiving unit 61 is further configured to receive the requesting device authorization function information sent by the second mobile terminal, where the requesting device authorization function information carries the device certificate of the second mobile terminal;
  • the verification unit 64 is configured to verify whether the device certificate is legal
  • the sending unit 63 is further configured to: if the device certificate is legal, send the verification mode information to the second mobile terminal, so that the second mobile terminal acquires the verification data according to the verification mode information.
  • the device further includes: a detecting unit 65, an opening unit 66;
  • the receiving unit 61 is further configured to receive verification data sent by the second mobile terminal;
  • the detecting unit 65 is configured to detect whether the verification data is correct
  • the opening unit 66 is configured to enable the device authorization function of the second mobile terminal if the verification data is correct.
  • the sending unit 63 is further configured to send the opening information of the second mobile terminal to the second mobile terminal, so that the second mobile terminal confirms the opening information.
  • the obtaining unit 62 is further configured to acquire credit information of the account corresponding to the second mobile terminal, where the credit information is used to evaluate the credit of the second mobile terminal;
  • the detecting unit 65 is further configured to detect whether the credit information of the account corresponding to the second mobile terminal exceeds a preset threshold
  • the sending unit 63 is configured to: if the credit information of the account corresponding to the second mobile terminal exceeds a preset threshold, send the verification mode information to the second mobile terminal.
  • the device further includes: a generating unit 67;
  • the receiving unit 61 is further configured to receive the first mobile terminal identity authentication information that is sent by the second mobile terminal, where the first mobile terminal identity authentication information includes the first mobile terminal identity information;
  • the generating unit 67 is configured to generate token information corresponding to the first mobile terminal identification information.
  • the sending unit 63 is further configured to send the token information to the second mobile terminal.
  • the payment information sent by the second mobile terminal further includes the token information and a device certificate of the first mobile terminal;
  • the verification unit 64 is further configured to separately verify whether the token information and the device certificate of the first mobile terminal are correct;
  • the obtaining unit 62 is configured to acquire account information corresponding to the first mobile terminal identification information if the token information and the device certificate of the first mobile terminal are both verified correctly.
  • the sending unit 63 is further configured to: if the one of the token information and the device certificate of the first mobile terminal is verified to be incorrect, send the first mobile terminal identity authentication error prompt information to the second mobile terminal.
  • Another mobile payment device provided by the embodiment of the present invention first receives the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, and the payment application APP currently running in the second mobile terminal corresponds to And the account amount and the payment amount corresponding to the first mobile terminal identification information, and then acquiring the account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the first account
  • the account corresponding to the payment application APP currently running in the mobile terminal Compared with the current mobile payment needs to be implemented by the payment APP installed in the mobile terminal, the embodiment of the present invention needs to move to the second mobile terminal when the first mobile terminal needs to move to the second mobile terminal.
  • the second mobile terminal may send the payment information of the first mobile terminal to the third-party server, where the payment information includes the first mobile terminal identification information, and the third-party server acquires the first mobile terminal after receiving the payment information. And identifying the account information of the information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the account corresponding to the currently running payment application APP in the second mobile terminal, so that the first mobile terminal in the embodiment of the present invention is Mobile payment can also be implemented without installing a payment APP.
  • the embodiment of the present invention provides another mobile payment device.
  • the device includes: a receiving unit 71, and a sending unit 72.
  • the receiving unit 71 is configured to receive a payment request sent by the first mobile terminal, where the payment request includes first mobile terminal identification information, and the first mobile terminal does not install a payment APP;
  • the sending unit 72 is configured to send, to the third-party server, the payment information, where the payment information includes the first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and the first mobile The payment amount corresponding to the terminal identification information, so that the third-party server acquires the account information corresponding to the first mobile terminal identification information, and enables the payment amount to be transferred from the account corresponding to the first mobile terminal identification information to the second mobile The account corresponding to the payment application APP currently running in the terminal.
  • the mobile payment device provided by the embodiment of the present invention first receives the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, and the payment application APP currently running in the second mobile terminal corresponds to And the account amount and the payment amount corresponding to the first mobile terminal identification information, and then acquiring the account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the first account
  • the account corresponding to the payment application APP currently running in the mobile terminal when the first mobile terminal needs to pay to the second mobile terminal, the first mobile terminal may send the first mobile terminal to the third-party server by using the second mobile terminal.
  • the payment information includes the first mobile terminal identification information, and after receiving the payment information, the third-party server acquires the account information of the first mobile terminal identification information, so that the payment amount can be corresponding to the first mobile terminal identification information.
  • the account is transferred to the account corresponding to the currently running payment application APP in the second mobile terminal, so that the first mobile terminal in the embodiment of the present invention can also implement mobile payment without installing the payment APP.
  • the embodiment of the present invention provides a mobile payment device.
  • the device includes: a receiving unit 81, and a sending unit 82.
  • the receiving unit 81 is configured to receive a payment request sent by the first mobile terminal, where the payment request includes first mobile terminal identification information, and the first mobile terminal does not install a payment APP;
  • the sending unit 82 is configured to send, to the third-party server, the payment information, where the payment information includes the first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and the first mobile The payment amount corresponding to the terminal identification information, so that the third-party server acquires the account information corresponding to the first mobile terminal identification information, and enables the payment amount to be transferred from the account corresponding to the first mobile terminal identification information to the second mobile The account corresponding to the payment application APP currently running in the terminal.
  • the device further includes: an obtaining unit 83;
  • the sending unit 82 is further configured to send the requesting device authorization function information to the third-party server, where the requesting device authorization function information carries the device certificate of the second mobile terminal, so that the third party is The server verifies whether the device certificate is legal;
  • the receiving unit 81 is further configured to: if the third-party server verifies that the device certificate is legal, receive the verification mode information sent by the third-party server;
  • the obtaining unit 83 is configured to acquire verification data according to the verification mode information.
  • the sending unit 82 is further configured to send the verification data to the third-party server, so that the third-party server detects whether the verification data is correct.
  • the receiving unit 81 is further configured to: if the third-party server detects that the verification data is correct, receive the second mobile terminal device authorization function activation success prompt information sent by the third-party server.
  • the device further includes: a forwarding unit 84;
  • the receiving unit 81 is further configured to receive identity authentication information that is sent by the first mobile terminal, where the identity authentication information includes first mobile terminal identification information;
  • the forwarding unit 84 is configured to forward the identity authentication information to the third-party server, so that the third-party server generates token information corresponding to the first mobile terminal identification information;
  • the receiving unit 81 is further configured to receive token information sent by the third-party server.
  • the payment information further includes the token information and the device certificate of the first mobile terminal, so that the third-party server separately verifies the token information and the first mobile terminal. Is the device certificate correct?
  • the mobile payment device provided by the embodiment of the present invention first receives the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, and the payment application APP currently running in the second mobile terminal corresponds to And the account amount and the payment amount corresponding to the first mobile terminal identification information, and then acquiring the account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the first account
  • the account corresponding to the payment application APP currently running in the mobile terminal when the first mobile terminal needs to pay to the second mobile terminal, the first mobile terminal may send the first mobile terminal to the third-party server by using the second mobile terminal.
  • the payment information includes the first mobile terminal identification information, and after receiving the payment information, the third-party server acquires the account information of the first mobile terminal identification information, so that the payment amount can be corresponding to the first mobile terminal identification information.
  • the account is transferred to the account corresponding to the currently running payment application APP in the second mobile terminal, so that the first mobile terminal in the embodiment of the present invention can also implement mobile payment without installing the payment APP.
  • the embodiment of the present invention provides a mobile payment system, as shown in FIG. 9, the system includes: a first mobile terminal 91, a second mobile terminal 92, and a third-party server 93;
  • the first mobile terminal 91 is configured to send a payment request to the second mobile terminal, where the payment request includes first mobile terminal identification information, and the first mobile terminal does not install a payment APP;
  • the second mobile terminal 92 is configured to send the payment information to the third-party server, where the payment information includes the first mobile terminal identification information, an account corresponding to the currently running payment application APP in the second mobile terminal, and Describe the payment amount corresponding to the first mobile terminal identification information;
  • the third-party server 93 is configured to obtain account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the currently running payment in the second mobile terminal. Apply the account corresponding to the APP.
  • the mobile payment system provided by the embodiment of the present invention first receives the payment information sent by the second mobile terminal, where the payment information includes the first mobile terminal identification information, and the account corresponding to the payment application APP currently running in the second mobile terminal. And the payment amount corresponding to the first mobile terminal identification information, and then acquiring the account information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to the second The account corresponding to the payment application APP currently running in the mobile terminal.
  • the first mobile terminal may send the first mobile terminal to the third-party server by using the second mobile terminal.
  • the payment information includes the first mobile terminal identification information, and after receiving the payment information, the third-party server acquires the account information of the first mobile terminal identification information, so that the payment amount can be corresponding to the first mobile terminal identification information.
  • Account number The mobile terminal corresponding to the currently running payment application APP in the second mobile terminal is transferred, so that the first mobile terminal in the embodiment of the present invention can also implement mobile payment without installing the payment APP.
  • the mobile payment device includes a processor and a memory, and the receiving unit, the obtaining unit, the transmitting unit, the verifying unit, the detecting unit, the opening unit, the generating unit, and the like are all stored as a program unit in a memory, and are executed by the processor and stored in the memory.
  • the above program unit is used to implement the corresponding function.
  • the processor contains a kernel, and the kernel removes the corresponding program unit from the memory.
  • the kernel can be set to one or more, and the kernel parameters can be adjusted to improve the accuracy of the mixed view display.
  • the memory may include non-persistent memory, random access memory (RAM), and/or non-volatile memory in a computer readable medium, such as read only memory (ROM) or flash memory (flash RAM), the memory including at least one Memory chip.
  • RAM random access memory
  • ROM read only memory
  • flash RAM flash memory
  • the present application also provides a computer program product, when executed on a data processing device, adapted to perform a program code for initializing a method of receiving payment information sent by a second mobile terminal, the payment information being first The mobile terminal identification information, the account corresponding to the payment application APP currently running in the second mobile terminal, and the payment amount corresponding to the first mobile terminal identification information, where the first mobile terminal identification information is the first mobile terminal Sending to the second mobile terminal, the first mobile terminal does not install the payment APP; acquiring account information corresponding to the first mobile terminal identification information; so that the payment amount can be transferred from the account corresponding to the first mobile terminal identification information to The account corresponding to the payment application APP currently running in the second mobile terminal.
  • embodiments of the present application can be provided as a method, system, or computer program product.
  • the present application can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment in combination of software and hardware.
  • the application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.
  • These computer program instructions can also be stored in a particular computer capable of booting a computer or other programmable data processing device In a computer readable memory that operates in a computer readable memory, causing instructions stored in the computer readable memory to produce an article of manufacture comprising instruction means implemented in a block or in a flow or a flow diagram and/or block diagram of the flowchart The functions specified in the boxes.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.
  • a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
  • processors CPUs
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-persistent memory, random access memory (RAM), and/or non-volatile memory in a computer readable medium, such as read only memory (ROM) or flash memory.
  • RAM random access memory
  • ROM read only memory
  • Memory is an example of a computer readable medium.
  • Computer readable media includes both permanent and non-persistent, removable and non-removable media.
  • Information storage can be implemented by any method or technology.
  • the information can be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory. (ROM), electrically erasable programmable read only memory (EEPROM), flash memory or other memory technology, compact disk read only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transportable media can be used to store information that can be accessed by a computing device.
  • computer readable media does not include temporary storage of computer readable media, such as modulated data signals and carrier waves.

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PCT/CN2017/085283 2016-06-01 2017-05-22 移动支付方法、装置及系统 Ceased WO2017206747A1 (zh)

Priority Applications (8)

Application Number Priority Date Filing Date Title
JP2018563457A JP6917395B2 (ja) 2016-06-01 2017-05-22 モバイル決済の方法、デバイス及びシステム
KR1020187037695A KR102372571B1 (ko) 2016-06-01 2017-05-22 모바일 결제 방법, 장치 및 시스템
MYPI2018002251A MY200727A (en) 2016-06-01 2017-05-22 Mobile payment method, device and system
SG11201810595PA SG11201810595PA (en) 2016-06-01 2017-05-22 Mobile payment method, device and system
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