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)
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 EP17805692.5A priority patent/EP3467744A4/en
Priority to SG11201810595PA priority patent/SG11201810595PA/en
Priority to MYPI2018002251A priority patent/MY200727A/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
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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
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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
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    • 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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Abstract

本发明公开了一种移动支付方法、装置及系统，涉及电子金融技术领域，解决了移动终端在未安装支付应用APP的情况下不能实现移动支付的问题。本发明的主要技术方案为：接收第二移动终端发送的支付信息，所述支付信息中包第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，其中，该第一移动终端标识信息是所述第一移动终端发送给第二移动终端的，该第一移动终端未安装支付APP；获取与所述第一移动终端标识信息对应的账号信息；以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。本发明用于移动支付。

Description

移动支付方法、装置及系统
本申请要求2016年06月01日递交的申请号为201610383679.6、发明名称为“移动支付方法、装置及系统”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及电子金融技术领域，尤其涉及一种移动支付方法、装置及系统。
背景技术
随着移动技术的发展和普及，移动支付逐渐成为新兴的电子支付服务形式，移动支付也称为手机支付(Mobile Payment)，移动支付是允许移动用户使用其移动终端(通常是手机)对所消费的商品或服务进行账务支付的一种服务方式。相对于以互联网为基础的传统的电子支付，移动支付具有移动性、及时性、个性化、便利性等特点，它直接将银行柜台、商家的收纳平台等资金处理系统推送到用户面前，用户只要手握移动终端就可以随时随地与各种对象进行交易。
目前，移动支付是通过移动终端上安装的支付APP(Application，应用程序)实现的，即用户在进行金融支付时需要通过移动终端中的支付APP向金融服务器发送支付请求信息，如通过移动终端中的支付宝、微信等APP发送支付请求信息，金融服务器在接收到支付请求信息后，对支付请求信息中承载的用户账号做相应的操作。因此，现有的移动支付在没有安装支付APP的情况下是不能够实现移动支付的。
发明内容
鉴于上述问题，提出了本发明，以便提供一种克服上述问题或者至少部分地解决上述问题的移动支付方法、装置及系统。
为达到上述目的，本发明主要提供如下技术方案：
一方面，本发明实施例提供了一种移动支付方法，该方法包括：
接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，其中，该第一移动终端标识信息是所述第一移动终端发送给第二移动终端的，该第一移动终端未安装支付应用APP；
获取与所述第一移动终端标识信息对应的账号信息；以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
另一方面，本发明实施例还提供了一种移动支付方法，该方法包括：
接收第一移动终端发送的支付请求，所述支付请求中包括第一移动终端标识信息；
向第三方服务器发送支付信息，所述支付信息中包括所述第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，以使得所述第三方服务器获取与所述第一移动终端标识信息对应的账号信息，并且使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
又一方面，本发明实施例还提供了一种移动支付装置，该装置包括：
接收单元，用于接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，其中，该第一移动终端标识信息是所述第一移动终端发送给第二移动终端的，该第一移动终端未安装支付应用APP；
获取单元，用于获取与所述第一移动终端标识信息对应的账号信息；以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
再一方面，本发明实施例还提供了一种移动支付装置，该装置包括：
接收单元，用于接收第一移动终端发送的支付请求，所述支付请求中包括第一移动终端标识信息，所述第一移动终端未安装支付应用APP；
发送单元，用于向第三方服务器发送支付信息，所述支付信息中包括所述第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，以使得所述第三方服务器获取与所述第一移动终端标识信息对应的账号信息，并且使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
本发明实施例还提供了一种移动支付系统，该系统包括：第一移动终端、第二移动终端、第三方服务器；
所述第一移动终端，用于向所述第二移动终端发送支付请求，所述支付请求中包括第一移动终端标识信息，所述第一移动终端未安装支付应用APP；
所述第二移动终端，用于向所述第三方服务器发送支付信息，所述支付信息中包括 第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额；
所述第三方服务器，用于获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
借由上述技术方案，本发明实施例提供的技术方案至少具有下列优点：
本发明实施例提供的一种移动支付方法、装置及系统，首先接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，然后获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。与目前移动支付需要通过移动终端中安装的支付APP实现相比，本发明实施例当第一移动终端需要向第二移动终端支付时，可以通过第二移动终端向第三方服务器发送第一移动终端的支付信息，该支付信息中包括第一移动终端标识信息，第三方服务器在接收到支付信息后，获取第一移动终端标识信息的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号，从而本发明实施例中的第一移动终端在没有安装支付APP的情况下也可以实现移动支付。
附图说明
通过阅读下文优选实施方式的详细描述，各种其他的优点和益处对于本领域普通技术人员将变得清楚明了。附图仅用于示出优选实施方式的目的，而并不认为是对本发明的限制。而且在整个附图中，用相同的参考符号表示相同的部件。在附图中：
图1为本发明实施例提供的一种移动支付方法流程图；
图2为本发明实施例提供的另一种移动支付方法流程图；
图3为本发明实施例提供的又一种移动支付方法流程图；
图4为本发明实施例提供的再一种移动支付方法流程图；
图5为本发明实施例提供的一种移动支付装置的组成框图；
图6为本发明实施例提供的另一种移动支付装置的组成框图；
图7为本发明实施例提供的又一种移动支付装置的组成框图；
图8为本发明实施例提供的再一种移动支付装置的组成框图；
图9为本发明实施例提供的一种移动支付系统的结构框图；
图10为本发明实施例提供的一种移动支付应用场景示意图。
具体实施方式
下面将参照附图更详细地描述本公开的示例性实施例。虽然附图中显示了本公开的示例性实施例，然而应当理解，可以以各种形式实现本公开而不应被这里阐述的实施例所限制。相反，提供这些实施例是为了能够更透彻地理解本公开，并且能够将本公开的范围完整的传达给本领域的技术人员。
为使本发明技术方案的优点更加清楚，下面结合附图和实施例对本发明作详细说明。
本发明实施例提供了一种移动支付方法，应用于第三方服务器，如图1所示，所述方法包括：
101、接收第二移动终端发送的支付信息。
其中，所述支付信息中包括第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，该第一移动终端未安装支付应用APP，所述第二移动终端中当前运行的支付应用APP对应的账号，可以为用户通过第二移动终端登陆支付应用APP时输入的注册账号，在本发明实施例中，所述支付应用APP具体可以为支付宝、微信等，本发明实施例不做具体限定。在本发明实施例中，所述第二移动终端和第二移动终端可以为个人电脑(personal computer，PC)、平板电脑、智能手机、个人数字助理(personal digital assistant，PDA)、膝上型便携计算机、车载电脑等，本发明实施例不做具体限定。
对于本发明实施例，本发明中的第一移动终端和第二移动终端是经过IFAA(互联网金融身份认证)联盟或权威机构通过PKI(公钥基础设施)体系认证的设备，即第一移动终端和第二移动终端的安全区域中存储有通过上述方式认证的证书，该证书用于传给第三方进行身份验证。所述第一移动终端标识信息用于唯一标识第一移动终端，第一移动终端标识信息具体可以为第一移动终端的硬件唯一编码，也可以为第一移动终端中的证书。
需要说明的是，第一移动终端标识信息是所述第一移动终端发送给第二移动终端的，第一移动终端具体可以通过蓝牙、扫描、NFC(Near Field Communication，近场通信)等通信方式向第二移动终端发送第一移动终端标识信息，本发明实施例不做限定。在本发明实施例中，第一移动终端通过蓝牙、扫描、NFC等通信方式向第二移动终端发送第 一移动终端标识信息，可实现第一移动终端在没有网络的情况下也能对第二移动终端进行支付。
在本发明实施例中，第二移动终端是经过身份证实的具有设备授权功能的终端，第二移动终端的身份证实是通过第三方服务器实现的，第三方服务器即第二移动终端中当前运行的支付应用APP对应的服务器。例如，第二移动终端中的支付宝应用只有通过支付宝服务器的身份证实之后，第二移动终端才可以向支付宝服务器发送第一移动终端的支付信息。其中，第三方服务器可以通过第二移动终端中的设备证书对其身份验证。
102、获取与所述第一移动终端标识信息对应的账号信息。
进一步地，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。具体的，将支付金额从第一移动终端标识信息对应的账号转移到第二移动终端当前运行的支付应用APP对应的账号的过程可以为，首先将所述第一终端标识信息对应的账号信息和所述支付信息发送给金融服务器，然后通过该金融服务器将第一终端账号内对应的金额配置到所述第二移动终端当前运行的支付应用APP的账号中。需要说明的是，若获取的第一移动终端标识信息对应的账号与第二移动终端中当前运行的支付应用APP账号隶属于同一支付APP账号，如同为支付宝账号，则支付宝服务器在接收到支付信息后，首先获取与第一移动终端标识信息对应的账号信息，然后由支付宝服务器将支付金额从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号；若获取的第一移动终端标识信息对应的账号为银行账号等形式，则第三方服务器在接收到支付信息后，并获取到与第一移动终端标识信息对应的账号信息之后，第三方服务器将支付信息和第一终端标识信息对应的账号发送给对应的银行，以使得对应银行将第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
在本发明实施例中，第三方服务器中存储有多个账号信息，该账号信息可以为银行账号、支付宝账号、余额宝等金融账号，每个账号信息均对应一个第一移动终端标识信息。因此当第三方服务器接收到第二移动终端发送的支付信息后，可以根据支付信息中的第一移动终端标识信息从第三方服务器中查找与之对应的账号信息，在获取到对应的账号信息后，从而可将支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
需要说明的是，第三方服务器中存储的账号信息可以通过第一移动终端的历史支付信息得到，也可以通过第一移动终端向第三方服务器的主动提供得到，还可以由第二移 动终端转发得到，本发明实施例不做具体限定。例如，当用户通过第一移动终端中安装的支付宝应用进行了金融支付之后，支付宝服务器就会将该用户的账号信息及对应的第一移动终端标识信息进行自动存储。因此当用户再次进行移动支付时，即便用户已卸载第一移动终端中的支付APP，第三方服务器还是可以根据第一移动终端标识信息获取到对应的账号信息。
再例如，当第三方服务器接收到第二移动终端发送的支付信息后，若在第三方服务器中未查找到与第一移动终端标识信息对应的账号信息，则第三方服务器向第二移动终端发送不存在与第一移动终端对应账号的提示信息，以提示第一移动终端用户提供对应的账号信息。第一移动终端用户在接收到提示信息后，可以主动将其账号信息发送给第三方服务器，还可以通过蓝牙、扫描、NFC等通信方式将其账号信息发送给第二移动终端，然后由第二移动终端将第一移动终端的账号信息转发给第三方服务器。需要说明的是，无论第三方服务器通过何种途径获取的第一移动终端的标识信息及账号信息，在其获取到第一移动终端的标识信息及账号信息之后，都会将第一移动终端的账号信息和第一移动终端标识信息对应存储，以便第一移动终端再次进行移动支付时，第三方服务器直接从内部存储的账号信息中获取与第一移动终端标识信息对应的账号信息。
在本发明实施例中，第一移动终端由于是通过第三方服务器身份证的具有设备授权功能的终端，因此当第一移动终端对第二移动终端进行支付时，第一移动终端可以首先通过蓝牙、扫描、NFC等通信技术向第二移动终端发送第一移动终端标识信息，然后由第二移动终端向第三方服务器发送支付信息，所述支付信息中包括第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，第三方服务器接收到支付信息后获取与第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号，通过上述过程可看出第一移动终端在向第二移动终端进行支付时，第一移动终端仅需向第二移动终端发送第一移动终端标识信息即可，因此通过本发明实施例实现的第一移动终端在没有安装支付APP的情况下也可以进行移动支付。
本发明实施例提供的一种移动支付方法，首先接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，然后获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账 号转移到第二移动终端中当前运行的支付应用APP对应的账号。与目前移动支付需要通过移动终端中安装的支付APP实现相比，本发明实施例当第一移动终端需要向第二移动终端支付时，可以通过第二移动终端向第三方服务器发送第一移动终端的支付信息，该支付信息中包括第一移动终端标识信息，第三方服务器在接收到支付信息后，获取第一移动终端标识信息的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号，从而本发明实施例中的第一移动终端在没有安装支付APP的情况下也可以实现移动支付。
本发明实施例提供了另一种移动支付方法，应用于第三方服务器，如图2所示，所述方法包括：
201、接收所述第二移动终端发送的请求开通设备授权功能信息。
其中，所述请求开通设备授权功能信息中携带有所述第二移动终端的设备证书，第二移动终端是经过IFAA(互联网金融身份认证)联盟或权威机构通过PKI(公钥基础设施)体系认证的设备，即第二移动终端的安全区域中存储有通过上述方式认证的证书，该证书用于传给第三方服务器进行身份验证。在本发明实施例中，第二移动终端的设备证书即为第二移动终端安全区域存储的证书。
202、验证所述设备证书是否合法。
在本发明实施例中，验证所述设备证书是否合法具体可以通过判断第三方服务器中是否存在对应的设备证书实现，若第三方服务器中存在对应的设备证书，则验证所述设备证书合法；若第三方服务器中不存在对应的设备证书，则验证所述设备证书不合法。
203、若所述设备证书合法，则向所述第二移动终端发送验证方式信息。
进一步地，以使得所述第二移动终端根据所述验证方式信息获取验证数据。其中，所述验证方式信息具体可以为人脸验证、证件验证、笔迹验证、声纹验证、眼纹验证等，本发明实施例不做具体限定。在本发明实施例中，第二移动终端在接收到第三方服务器发送的验证方式信息后，输出验证方式提示信息，以提示用户输入相应的验证数据。例如，如接收到的验证方式信息为证件验证和声纹验证，则首先输出证件验证和声纹验证提示信息，然后接收第二移动终端用户输入的证件数据和声音数据。
对于本发明实施例，在验证所述设备证书合法之后，所述方法还包括：获取所述第二移动终端对应账号的信用信息，所述信用信息用于评价所述第二移动终端的信用；检测所述第二移动终端对应账号的信用信息是否超过预置阈值。所述向所述第二移动终端发送验证方式信息包括：若所述第二移动终端对应账号的信用信息超过预置阈值，则向 所述第二移动终端发送验证方式信息。其中，第二移动终端账号信息的信用信息用于评价第二移动终端的信用，信用信息具体可以为支付宝中的芝麻信用，所述预置阈值可以根据实际需求进行配置，所述预置阈值具体可以为700，800，900等，本发明实施例不做具体限定。在本发明实施例中，由于第二移动终端向第三方服务器发送的支付信息，实际上是第一移动终端对第二移动终端的金融支付，因此在第二移动终端对应账号的信用信息超过预置阈值时向第二移动终端发送验证方式信息，可在确保第一移动终端支付的安全性。
204、接收所述第二移动终端发送的验证数据。
205、检测所述验证数据是否正确。
206、若所述验证数据正确，则开通所述第二移动终端的设备授权功能。
需要说明的是，只有第二移动终端开通设备授权功能之后，第二移动终端才可实现向第三方服务器发送支付信息。对于本发明实施例，在步骤206之后，所述方法还包括：将所述第二移动终端的开通信息发送给所述第二移动终端，以使得所述第二移动终端确认所述开通信息。在本发明实施例中，将第二移动终端的开通信息发送给第二移动终端，用于提示第二移动终端用户当前设备已开通设备授权功能，此时可通过第二移动终端向第三方服务器发送支付信息。
在本发明实施例中，所述将第二移动终端的开通信息发送给所述第二移动终端之后，所述方法还包括：接收所述第二移动终端发送的第一移动终端身份认证信息，所述第一移动终端身份认证信息中包括所述第一移动终端标识信息；生成与所述第一移动终端标识信息对应的令牌信息；将所述令牌信息发送给所述第二移动终端。其中，第一移动终端标识信息可以为第一移动终端的硬件唯一编码，也可以第一移动终端中的证书，本发明实施例不做具体限定。
207、接收第二移动终端发送的支付信息。
其中，所述支付信息中包括第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，该第一移动终端未安装支付APP。
在本发明实施例中，第一移动终端标识信息是所述第一移动终端发送给第二移动终端的，第一移动终端具体可以通过蓝牙、扫描、NFC(Near Field Communication，近场通信)等通信方式向第二移动终端发送第一移动终端标识信息，本发明实施例不做限定。在本发明实施例中，第一移动终端通过蓝牙、扫描、NFC等通信方式向第二移动终端发 送第一移动终端标识信息，可实现第一移动终端在没有网络的情况下也能够对第二移动终端进行支付。
208、获取与所述第一移动终端标识信息对应的账号信息。
进一步地，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
在本发明实施例中，在步骤208之前，所述方法还包括：分别验证所述令牌信息和所述第一移动终端的设备证书是否正确；所述获取与所述第一移动终端标识信息对应的账号信息包括：若所述令牌信息和所述第一移动终端的设备证书均验证正确，则获取与所述第一移动终端标识信息对应的账号信息。其中，分别验证所述令牌信息和所述第一移动终端的设备证书是否正确，即在第三方服务器中查找是否存在对应的令牌信息和第一移动终端的设备证书，若第三方服务器中存在对应的令牌信息和第一移动终端的设备证书，则说明所述令牌信息和所述第一移动终端的设备证书均验证正确。
需要说明的是，第三方服务器根据第一移动终端标识信息生成令牌信息之后，第三方服务器对该令牌信息仅进行短时间的缓存。例如，生成的令牌信息的时间为14:00，令牌在第三方服务器的有效缓存时间为3分钟，则在当前时间为14:03之后生成的令牌信息将从第三方服务器中自动删除。在本发明实施例中，在验证的令牌信息和第一移动终端的设备证书均正确的情况下，获取与所述第一移动终端标识信息对应的账号信息，可保证第一移动终端支付的安全性。
对于本发明实施例，所述获取与所述第一移动终端标识信息对应的账号信息之后，所述方法还包括：若所述支付金额成功的从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号，则向所述第二移动终端发送第一移动终端支付成功提示信息。
对于本发明实施例，可以应用的场景如图10所示，但不仅限于此，包括：超市支付设备中安装有支付宝应用，手机中未安装有支付应用，若用户需要通过该手机进行结账，则超市支付设备首先需要向支付宝服务器发送请求开通设备授权功能，支付宝服务器在接收到该请求后，对超市支付设备的证书进行验证，若验证通过则检测超市支付设备对应的信用是否超过预置阈值，若超过预置阈值则向超市支付设备发送人脸认证方式信息，超市支付设备在收到人脸认证方式信息后，将拍摄的人脸图像及证件发送至支付宝服务器，然后由支付宝服务器验证图像及证件是否正确，若验证均正确则向超市支付设备发送设备授权功能开通成功提示信息，以提示超市工作人员当前超市支付设备可转发手机 的支付请求。
当手机用户需要对其购买的物品进行结算时，其首先需要获取与本次支付请求对应的令牌，然后向超市支付设备发送支付请求，超市支付设备在接收到支付请求后向支付宝服务器发送支付信息，该支付信息中包括手机标识信息，手机的证书和本次支付请求对应的令牌，超市支付设备中当前运行的支付应用APP对应的账号以及与手机对应的支付金额，支付宝服务器在接收到支付信息后验证手机的证书和本次支付请求对应的令牌是否正确，若手机的证书和本次支付请求对应的令牌均验证正确，则获取与手机标识信息对应的账号，并将支付信息和手机对应的账号一并发送给金融服务，以使得金融服务器支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
在本应用场景中，获取与本次支付请求对应的令牌的具体过程为：首先需要获取手机的标识信息，然后向超市支付设备发送身份认证信息，所述身份认证信息中包括手机的标识信息，超市支付设备在收到身份认证信息后，将该信息转发给支付宝服务器，之后由支付宝服务器生成与手机标识信息对应的令牌，并将生成的令牌发送至超市支付设备。
本发明实施例提供的另一种移动支付方法，首先接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，然后获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。与目前移动支付需要通过移动终端中安装的支付APP实现相比，本发明实施例当第一移动终端需要向第二移动终端支付时，可以通过第二移动终端向第三方服务器发送第一移动终端的支付信息，该支付信息中包括第一移动终端标识信息，第三方服务器在接收到支付信息后，获取第一移动终端标识信息的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号，从而本发明实施例中的第一移动终端在没有安装支付APP的情况下也可以实现移动支付。
本发明实施例提供了又一种移动支付方法，应用于第二移动终端，如图3所示，所述方法包括：
301、接收第一移动终端发送的支付请求。
其中，所述支付请求中包括第一移动终端标识信息，所述第一移动终端未安装支付 APP。第一移动终端具体可以通过蓝牙、扫描、NFC(Near Field Communication，近场通信)等通信方式向第二移动终端发送第一移动终端标识信息，本发明实施例不做限定。在本发明实施例中，第一移动终端通过蓝牙、扫描、NFC等通信方式向第二移动终端发送第一移动终端标识信息，可实现第一移动终端在没有网络的情况下向第二移动终端进行支付。
需要说明的是，本发明中的第一移动终端和第二移动终端是经过IFAA(互联网金融身份认证)联盟或权威机构通过PKI(公钥基础设施)体系认证的设备，即第一移动终端和第二移动终端的安全区域中存储有通过上述方式认证的证书，该证书用于传给第三方进行身份验证。所述第一移动终端标识信息用于唯一标识第一移动终端，第一移动终端标识信息具体可以为第一移动终端的硬件唯一编码，也可以为第一移动终端中的证书，本发明实施例不做具体限定。
在本发明实施例中，第二移动终端是经过身份证实的具有设备授权功能的终端，第二移动终端的身份证实是通过第三方服务器实现的，第三方服务器即第二移动终端中第三方应用对应的服务器。例如，第二移动终端中的支付宝应用只有在通过支付宝服务器身份证实具备设备授权功能之后，才可以向支付宝服务器发送第一移动终端的支付信息。其中，第三方服务器可以通过第二移动终端中的设备证书对其身份验证。
302、向第三方服务器发送支付信息。
其中，所述支付信息中包括所述第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，进一步地，以使得所述第三方服务器获取与所述第一移动终端标识信息对应的账号信息，并且使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
在本发明实施例中，第一移动终端由于是通过第三方服务器身份证的具有设备授权功能的终端，因此当第一移动终端对第二移动终端进行支付时，第一移动终端可以首先通过蓝牙、扫描、NFC等通信技术向第二移动终端发送第一移动终端标识信息，然后由第二移动终端向第三方服务器发送支付信息，所述支付信息中包括第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，第三方服务器接收到支付信息后获取与第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号，通过上述过程可看出第一移动终端在向第 二移动终端进行支付时，仅需向第二移动终端发送第一移动终端标识信息即可，因此通过本发明实施例实现的第一移动终端在没有安装支付APP的情况下也可以进行移动支付。
本发明实施例提供的又一种移动支付方法，首先接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，然后获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。与目前移动支付需要通过移动终端中安装的支付APP实现相比，本发明实施例当第一移动终端需要向第二移动终端支付时，可以通过第二移动终端向第三方服务器发送第一移动终端的支付信息，该支付信息中包括第一移动终端标识信息，第三方服务器在接收到支付信息后，获取第一移动终端标识信息的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号，从而本发明实施例中的第一移动终端在没有安装支付APP的情况下也可以实现移动支付。
本发明实施例提供了再一种移动支付方法，应用于第二移动终端，如图4所示，所述方法包括：
401、向所述第三方服务器发送请求开通设备授权功能信息。
其中，所述请求开通设备授权功能信息中携带有所述第二移动终端的设备证书；以使得所述第三方服务器验证所述设备证书是否合法。需要说明的是，第二移动终端是经过IFAA(互联网金融身份认证)联盟或权威机构通过PKI(公钥基础设施)体系认证的设备，即第二移动终端的安全区域中存储有通过上述方式认证的证书，该证书用于传给第三方服务器进行身份验证。在本发明实施例中，第二移动终端的设备证书即为第二移动终端安全区域存储的证书。
402、若所述第三方服务器验证设备证书合法，则接收所述第三方服务器发送的验证方式信息。
其中，所述验证方式信息具体可以为人脸验证、证件验证、笔迹验证、声纹验证、眼纹验证等，本发明实施例不做具体限定。
403、根据所述验证方式信息获取验证数据。
例如，如接收到的验证方式信息为证件验证和声纹验证，则首先输出证件验证和声纹验证提示信息，然后接收第二移动终端用户输入的证件数据和声音数据。
404、将所述验证数据发送给所述第三方服务器。
进一步地，以使得所述第三方服务器检测所述验证数据是否正确。
405、若所述第三方服务器检测所述验证数据正确，则接收所述第三方服务器发送的第二移动终端设备授权功能开通成功提示信息。
需要说明的是，只有第二移动终端开通设备授权功能之后，第二移动终端才可实现向第三方服务器发送支付信息。在本发明实施例中，第二移动终端设备授权功能开通成功提示信息，用于提示第二移动终端用户当前设备已开通设备授权功能，此时可以通过第二移动终端向第三方服务器发送支付信息。
406、接收所述第一移动终端发送的身份认证信息。
其中，所述身份认证信息中包括第一移动终端标识信息，该第一移动终端未安装支付APP，第一移动终端标识信息具体可以为第一移动终端的硬件唯一编码，也可以为第一移动终端中的证书，本发明实施例不做具体限定。
在本发明实施例，第一移动终端具体可以通过蓝牙、扫描、NFC(Near Field Communication，近场通信)等通信方式向第二移动终端发送第一移动终端标识信息，本发明实施例不做限定。在本发明实施例中，第一移动终端通过蓝牙、扫描、NFC等通信方式向第二移动终端发送第一移动终端标识信息，可实现第一移动终端在没有网络的情况下向第二移动终端进行支付。
407、将所述身份认证信息转发给所述第三方服务器。
进一步地，以使得所述第三方服务器生成与所述第一移动终端标识信息对应的令牌信息。需要说明的是，第三方服务器根据第一移动终端标识信息生成令牌信息之后，对该令牌信息仅进行短时间的缓存。例如，生成的令牌信息的时间为14:00，令牌在第三方服务器的有效缓存时间为3分钟，则在当前时间为14:03之后生成的令牌信息将从第三方服务器中自动删除。
408、接收所述第三方服务器发送的令牌信息。
409、接收第一移动终端发送的支付请求。
其中，所述支付请求中包括第一移动终端标识信息。
410、向第三方服务器发送支付信息。
其中，所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，令牌信息和第一移动终端的设备证书。
进一步地，以使得所述第三方服务器分别验证所述令牌信息和所述第一移动终端的设备证书是否正确，若所述令牌信息和所述第一移动终端的设备证书均验证正确，则获取与所述第一移动终端标识信息对应的账号信息，并使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。在本发明实施例中，在验证的令牌信息和第一移动终端的设备证书均正确的情况下，获取与所述第一移动终端标识信息对应的账号信息，可保证第一移动终端支付的安全性。
本发明实施例提供的再一种移动支付方法，首先接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，然后获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。与目前移动支付需要通过移动终端中安装的支付APP实现相比，本发明实施例当第一移动终端需要向第二移动终端支付时，可以通过第二移动终端向第三方服务器发送第一移动终端的支付信息，该支付信息中包括第一移动终端标识信息，第三方服务器在接收到支付信息后，获取第一移动终端标识信息的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号中，从而本发明实施例中的第一移动终端在没有安装支付APP的情况下也可以实现移动支付。
进一步地，本发明实施例提供一种移动支付装置，如图5所示，所述装置包括：接收单元51，获取单元52。
接收单元51，用于接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，其中，该第一移动终端标识信息是所述第一移动终端发送给第二移动终端的，该第一移动终端未安装支付APP；
获取单元52，用于获取与所述第一移动终端标识信息对应的账号信息；以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
需要说明的是，本发明实施例提供的一种移动支付装置所涉及各功能单元的其他相应描述，可以参考图1所示方法的对应描述，在此不再赘述，但应当明确，本实施例中的装置能够对应实现前述方法实施例中的全部内容。
本发明实施例提供的一种移动支付装置，首先接收第二移动终端发送的支付信息， 所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，然后获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。与目前移动支付需要通过移动终端中安装的支付APP实现相比，本发明实施例当第一移动终端需要向第二移动终端支付时，可以通过第二移动终端向第三方服务器发送第一移动终端的支付信息，该支付信息中包括第一移动终端标识信息，第三方服务器在接收到支付信息后，获取第一移动终端标识信息的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号，从而本发明实施例中的第一移动终端在没有安装支付APP的情况下也可以实现移动支付。
进一步地，本发明实施例提供另一种移动支付装置，如图6所示，所述装置包括：接收单元61，获取单元62。
接收单元61，用于接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，其中，该第一移动终端标识信息是所述第一移动终端发送给第二移动终端的，该第一移动终端未安装支付APP；
获取单元62，用于获取与所述第一移动终端标识信息对应的账号信息；以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
进一步地，所述装置还包括：验证单元64，发送单元63；
所述接收单元61，还用于接收所述第二移动终端发送的请求开通设备授权功能信息，所述请求开通设备授权功能信息中携带有所述第二移动终端的设备证书；
所述验证单元64，用于验证所述设备证书是否合法；
所述发送单元63，还用于若所述设备证书合法，则向所述第二移动终端发送验证方式信息，以使得所述第二移动终端根据所述验证方式信息获取验证数据。
进一步地，所述装置还包括：检测单元65、开通单元66；
所述接收单元61，还用于接收所述第二移动终端发送的验证数据；
所述检测单元65，用于检测所述验证数据是否正确；
所述开通单元66，用于若所述验证数据正确，则开通所述第二移动终端的设备授权功能。
所述发送单元63，还用于将所述第二移动终端的开通信息发送给所述第二移动终端，以使得所述第二移动终端确认所述开通信息。
所述获取单元62，还用于获取所述第二移动终端对应账号的信用信息，所述信用信息用于评价所述第二移动终端的信用；
所述检测单元65，还用于检测所述第二移动终端对应账号的信用信息是否超过预置阈值；
所述发送单元63，具体用于若所述第二移动终端对应账号的信用信息超过预置阈值，则向所述第二移动终端发送验证方式信息。
所述装置还包括：生成单元67；
所述接收单元61，还用于接收所述第二移动终端发送的第一移动终端身份认证信息，所述第一移动终端身份认证信息中包括所述第一移动终端标识信息；
所述生成单元67，用于生成与所述第一移动终端标识信息对应的令牌信息；
所述发送单元63，还用于将所述令牌信息发送给所述第二移动终端。
对于本发明实施例，所述第二移动终端发送的支付信息中还包括所述令牌信息和所述第一移动终端的设备证书；
所述验证单元64，还用于分别验证所述令牌信息和所述第一移动终端的设备证书是否正确；
所述获取单元62，具体用于若所述令牌信息和所述第一移动终端的设备证书均验证正确，则获取与所述第一移动终端标识信息对应的账号信息。
所述发送单元63，还用于若所述令牌信息和所述第一移动终端的设备证书中任一个验证错误，则向所述第二移动终端发送第一移动终端身份认证错误提示信息。
需要说明的是，本发明实施例提供的一种移动支付装置所涉及各功能单元的其他相应描述，可以参考图2所示方法的对应描述，在此不再赘述，但应当明确，本实施例中的装置能够对应实现前述方法实施例中的全部内容。
本发明实施例提供的另一种移动支付装置，首先接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，然后获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。与目前移动支付需要通过移动终端中安装的支付APP实现相比，本发明实施例当第一移动终端需要向第二移动 终端支付时，可以通过第二移动终端向第三方服务器发送第一移动终端的支付信息，该支付信息中包括第一移动终端标识信息，第三方服务器在接收到支付信息后，获取第一移动终端标识信息的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号，从而本发明实施例中的第一移动终端在没有安装支付APP的情况下也可以实现移动支付。
进一步地，本发明实施例提供又一种移动支付装置，如图7所示，所述装置包括：接收单元71，发送单元72。
接收单元71，用于接收第一移动终端发送的支付请求，所述支付请求中包括第一移动终端标识信息，所述第一移动终端未安装支付APP；
发送单元72，用于向第三方服务器发送支付信息，所述支付信息中包括所述第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，以使得所述第三方服务器获取与所述第一移动终端标识信息对应的账号信息，并且使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
需要说明的是，本发明实施例提供的又一种移动支付装置所涉及各功能单元的其他相应描述，可以参考图3所示方法的对应描述，在此不再赘述，但应当明确，本实施例中的装置能够对应实现前述方法实施例中的全部内容。
本发明实施例提供的又一种移动支付装置，首先接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，然后获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。与目前移动支付需要通过移动终端中安装的支付APP实现相比，本发明实施例当第一移动终端需要向第二移动终端支付时，可以通过第二移动终端向第三方服务器发送第一移动终端的支付信息，该支付信息中包括第一移动终端标识信息，第三方服务器在接收到支付信息后，获取第一移动终端标识信息的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号，从而本发明实施例中的第一移动终端在没有安装支付APP的情况下也可以实现移动支付。
进一步地，本发明实施例提供再一种移动支付装置，如图8所示，所述装置包括：接收单元81，发送单元82。
接收单元81，用于接收第一移动终端发送的支付请求，所述支付请求中包括第一移动终端标识信息，所述第一移动终端未安装支付APP；
发送单元82，用于向第三方服务器发送支付信息，所述支付信息中包括所述第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，以使得所述第三方服务器获取与所述第一移动终端标识信息对应的账号信息，并且使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
进一步地，所述装置还包括：获取单元83；
所述发送单元82，还用于向所述第三方服务器发送请求开通设备授权功能信息，所述请求开通设备授权功能信息中携带有所述第二移动终端的设备证书；以使得所述第三方服务器验证所述设备证书是否合法；
所述接收单元81，还用于若所述第三方服务器验证所述设备证书合法，则接收所述第三方服务器发送的验证方式信息；
所述获取单元83，用于根据所述验证方式信息获取验证数据。
所述发送单元82，还用于将所述验证数据发送给所述第三方服务器，以使得所述第三方服务器检测所述验证数据是否正确；
所述接收单元81，还用于若所述第三方服务器检测所述验证数据正确，则接收所述第三方服务器发送的第二移动终端设备授权功能开通成功提示信息。
进一步地，所述装置还包括：转发单元84；
所述接收单元81，还用于接收所述第一移动终端发送的身份认证信息，所述身份认证信息中包括第一移动终端标识信息；
所述转发单元84，用于将所述身份认证信息转发给所述第三方服务器，以使得所述第三方服务器生成与所述第一移动终端标识信息对应的令牌信息；
所述接收单元81，还用于接收所述第三方服务器发送的令牌信息。
对于本发明实施例，所述支付信息中还包括所述令牌信息和所述第一移动终端的设备证书，以使得所述第三方服务器分别验证所述令牌信息和所述第一移动终端的设备证书是否正确。
需要说明的是，本发明实施例提供的再一种移动支付装置所涉及各功能单元的其他相应描述，可以参考图4所示方法的对应描述，在此不再赘述，但应当明确，本实施例中的装置能够对应实现前述方法实施例中的全部内容。
本发明实施例提供的再一种移动支付装置，首先接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，然后获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。与目前移动支付需要通过移动终端中安装的支付APP实现相比，本发明实施例当第一移动终端需要向第二移动终端支付时，可以通过第二移动终端向第三方服务器发送第一移动终端的支付信息，该支付信息中包括第一移动终端标识信息，第三方服务器在接收到支付信息后，获取第一移动终端标识信息的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号，从而本发明实施例中的第一移动终端在没有安装支付APP的情况下也可以实现移动支付。
进一步地，本发明实施例提供一种移动支付系统，如图9所示，所述系统包括：第一移动终端91、第二移动终端92、第三方服务器93；
所述第一移动终端91，用于向所述第二移动终端发送支付请求，所述支付请求中包括第一移动终端标识信息，所述第一移动终端未安装支付APP；
所述第二移动终端92，用于向所述第三方服务器发送支付信息，所述支付信息中包括第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额；
所述第三方服务器93，用于获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
本发明实施例提供的一种移动支付系统，首先接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，然后获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。与目前移动支付需要通过移动终端中安装的支付APP实现相比，本发明实施例当第一移动终端需要向第二移动终端支付时，可以通过第二移动终端向第三方服务器发送第一移动终端的支付信息，该支付信息中包括第一移动终端标识信息，第三方服务器在接收到支付信息后，获取第一移动终端标识信息的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号 转移到第二移动终端中当前运行的支付应用APP对应的账号，从而本发明实施例中的第一移动终端在没有安装支付APP的情况下也可以实现移动支付。
所述移动支付装置包括处理器和存储器，上述接收单元、获取单元、发送单元、验证单元、检测单元、开通单元和生成单元等均作为程序单元存储在存储器中，由处理器执行存储在存储器中的上述程序单元来实现相应的功能。
处理器中包含内核，由内核去存储器中调取相应的程序单元。内核可以设置一个或以上，通过调整内核参数来提高混合视图显示的准确率。
存储器可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)，存储器包括至少一个存储芯片。
本申请还提供了一种计算机程序产品，当在数据处理设备上执行时，适于执行初始化有如下方法步骤的程序代码：接收第二移动终端发送的支付信息，所述支付信息中包第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，其中，该第一移动终端标识信息是所述第一移动终端发送给第二移动终端的，该第一移动终端未安装支付APP；获取与所述第一移动终端标识信息对应的账号信息；以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
本领域内的技术人员应明白，本申请的实施例可提供为方法、系统、或计算机程序产品。因此，本申请可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本申请可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本申请是参照根据本申请实施例混合视图的显示方法及装置、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方 式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
存储器可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。存储器是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
以上仅为本申请的实施例而已，并不用于限制本申请。对于本领域技术人员来说，本申请可以有各种更改和变化。凡在本申请的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本申请的权利要求范围之内。

Claims (27)

  1. 一种移动支付方法，其特征在于，包括：
    接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息，第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，其中，该第一移动终端标识信息是所述第一移动终端发送给第二移动终端的，该第一移动终端未安装支付应用APP；
    获取与所述第一移动终端标识信息对应的账号信息；以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
  2. 根据权利要求1所述的方法，其特征在于，所述接收第二移动终端发送的支付信息之前，所述方法还包括：
    接收所述第二移动终端发送的请求开通设备授权功能信息，所述请求开通设备授权功能信息中携带有所述第二移动终端的设备证书；
    验证所述设备证书是否合法；
    若所述设备证书合法，则向所述第二移动终端发送验证方式信息，以使得所述第二移动终端根据所述验证方式信息获取验证数据。
  3. 根据权利要求2所述的方法，其特征在于，所述向所述第二移动终端发送验证方式信息之后，所述方法还包括：
    接收所述第二移动终端发送的验证数据；
    检测所述验证数据是否正确；
    若所述验证数据正确，则开通所述第二移动终端的设备授权功能。
  4. 根据权利要求3所述的方法，其特征在于，所述开通所述第二移动终端的设备授权功能之后，所述方法还包括：
    将所述第二移动终端的开通信息发送给所述第二移动终端，以使得所述第二移动终端确认所述开通信息。
  5. 根据权利要求2所述的方法，其特征在于，在验证所述设备证书合法之后，所述方法还包括：
    获取所述第二移动终端对应账号的信用信息，所述信用信息用于评价所述第二移动终端的信用；
    检测所述第二移动终端对应账号的信用信息是否超过预置阈值；
    所述向所述第二移动终端发送验证方式信息包括：
    若所述第二移动终端对应账号的信用信息超过预置阈值，则向所述第二移动终端发送验证方式信息。
  6. 根据权利要求4所述的方法，其特征在于，所述将所述第二移动终端的开通信息发送给所述第二移动终端之后，所述方法还包括：
    接收所述第二移动终端发送的第一移动终端身份认证信息，所述第一移动终端身份认证信息中包括所述第一移动终端标识信息；
    生成与所述第一移动终端标识信息对应的令牌信息；
    将所述令牌信息发送给所述第二移动终端。
  7. 根据权利要求6所述的方法，其特征在于，所述第二移动终端发送的支付信息中还包括所述令牌信息和所述第一移动终端的设备证书，所述获取与所述第一移动终端标识信息对应的账号信息之前，所述方法还包括：
    分别验证所述令牌信息和所述第一移动终端的设备证书是否正确；
    所述获取与所述第一移动终端标识信息对应的账号信息包括：
    若所述令牌信息和所述第一移动终端的设备证书均验证正确，则获取与所述第一移动终端标识信息对应的账号信息。
  8. 根据权利要求7所述的方法，其特征在于，所述分别验证所述令牌信息和所述第一移动终端的设备证书是否正确之后，所述方法还包括：
    若所述令牌信息和所述第一移动终端的设备证书中任一个验证错误，则向所述第二移动终端发送第一移动终端身份认证错误提示信息。
  9. 一种移动支付方法，其特征在于，包括：
    接收第一移动终端发送的支付请求，所述支付请求中包括第一移动终端标识信息，所述第一移动终端未安装支付应用APP；
    向第三方服务器发送支付信息，所述支付信息中包括所述第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，以使得所述第三方服务器获取与所述第一移动终端标识信息对应的账号信息，并且使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
  10. 根据权利要求9所述的方法，其特征在于，所述接收第一移动终端发送的支付请求之前，所述方法还包括：
    向所述第三方服务器发送请求开通设备授权功能信息，所述请求开通设备授权功能 信息中携带有所述第二移动终端的设备证书；以使得所述第三方服务器验证所述设备证书是否合法；
    若所述第三方服务器验证所述设备证书合法，则接收所述第三方服务器发送的验证方式信息；
    根据所述验证方式信息获取验证数据。
  11. 根据权利要求10所述的方法，其特征在于，所述根据所述验证方式信息获取验证数据之后，所述方法还包括：
    将所述验证数据发送给所述第三方服务器，以使得所述第三方服务器检测所述验证数据是否正确；
    若所述第三方服务器检测所述验证数据正确，则接收所述第三方服务器发送的第二移动终端设备授权功能开通成功提示信息。
  12. 根据权利要求11所述的方法，其特征在于，所述接收所述第三方服务器发送的第二移动终端设备授权功能开通成功提示信息之后，所述方法还包括：
    接收所述第一移动终端发送的身份认证信息，所述身份认证信息中包括第一移动终端标识信息；
    将所述身份认证信息转发给所述第三方服务器，以使得所述第三方服务器生成与所述第一移动终端标识信息对应的令牌信息；
    接收所述第三方服务器发送的令牌信息。
  13. 根据权利要求12所述的方法，其特征在于，所述支付信息中还包括所述令牌信息和所述第一移动终端的设备证书，以使得所述第三方服务器分别验证所述令牌信息和所述第一移动终端的设备证书是否正确。
  14. 一种移动支付装置，其特征在于，包括：
    接收单元，用于接收第二移动终端发送的支付信息，所述支付信息中包括第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，其中，该第一移动终端标识信息是所述第一移动终端发送给第二移动终端的，该第一移动终端未安装支付应用APP；
    获取单元，用于获取与所述第一移动终端标识信息对应的账号信息；以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
  15. 根据权利要求14所述的装置，其特征在于，所述装置还包括：验证单元，发 送单元；
    所述接收单元，还用于接收所述第二移动终端发送的请求开通设备授权功能信息，所述请求开通设备授权功能信息中携带有所述第二移动终端的设备证书；
    所述验证单元，用于验证所述设备证书是否合法；
    所述发送单元，用于若所述设备证书合法，则向所述第二移动终端发送验证方式信息，以使得所述第二移动终端根据所述验证方式信息获取验证数据。
  16. 根据权利要求15所述的装置，其特征在于，所述装置还包括：检测单元、开通单元；
    所述接收单元，还用于接收所述第二移动终端发送的验证数据；
    所述检测单元，用于检测所述验证数据是否正确；
    所述开通单元，用于若所述验证数据正确，则开通所述第二移动终端的设备授权功能。
  17. 根据权利要求16所述的装置，其特征在于，
    所述发送单元，还用于将所述第二移动终端的开通信息发送给所述第二移动终端，以使得所述第二移动终端确认所述开通信息。
  18. 根据权利要求16所述的装置，其特征在于，
    所述获取单元，还用于获取所述第二移动终端对应账号的信用信息，所述信用信息用于评价所述第二移动终端的信用；
    所述检测单元，还用于检测所述第二移动终端对应账号的信用信息是否超过预置阈值；
    所述发送单元，具体用于若所述第二移动终端对应账号的信用信息超过预置阈值，则向所述第二移动终端发送验证方式信息。
  19. 根据权利要求17所述的装置，其特征在于，所述装置还包括：生成单元；
    所述接收单元，还用于接收所述第二移动终端发送的第一移动终端身份认证信息，所述第一移动终端身份认证信息中包括所述第一移动终端标识信息；
    所述生成单元，用于生成与所述第一移动终端标识信息对应的令牌信息；
    所述发送单元，还用于将所述令牌信息发送给所述第二移动终端。
  20. 根据权利要求19所述的装置，其特征在于，所述第二移动终端发送的支付信息中还包括所述令牌信息和所述第一移动终端的设备证书；
    所述验证单元，还用于分别验证所述令牌信息和所述第一移动终端的设备证书是否 正确；
    所述获取单元，具体用于若所述令牌信息和所述第一移动终端的设备证书均验证正确，则获取与所述第一移动终端标识信息对应的账号信息。
  21. 根据权利要求20所述的装置，其特征在于，
    所述发送单元，还用于若所述令牌信息和所述第一移动终端的设备证书中任一个验证错误，则向所述第二移动终端发送第一移动终端身份认证错误提示信息。
  22. 一种移动支付装置，其特征在于，包括：
    接收单元，用于接收第一移动终端发送的支付请求，所述支付请求中包括第一移动终端标识信息，所述第一移动终端未安装支付应用APP；
    发送单元，用于向第三方服务器发送支付信息，所述支付信息中包括所述第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额，以使得所述第三方服务器获取与所述第一移动终端标识信息对应的账号信息，并且使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
  23. 根据权利要求22所述的装置，其特征在于，所述装置还包括：获取单元；
    所述发送单元，还用于向所述第三方服务器发送请求开通设备授权功能信息，所述请求开通设备授权功能信息中携带有所述第二移动终端的设备证书；以使得所述第三方服务器验证所述设备证书是否合法；
    所述接收单元，还用于若所述第三方服务器验证所述设备证书合法，则接收所述第三方服务器发送的验证方式信息；
    所述获取单元，用于根据所述验证方式信息获取验证数据。
  24. 根据权利要求23所述的装置，其特征在于，
    所述发送单元，还用于将所述验证数据发送给所述第三方服务器，以使得所述第三方服务器检测所述验证数据是否正确；
    所述接收单元，还用于若所述第三方服务器检测所述验证数据正确，则接收所述第三方服务器发送的第二移动终端设备授权功能开通成功提示信息。
  25. 根据权利要求24所述的装置，其特征在于，所述装置还包括：转发单元；
    所述接收单元，还用于接收所述第一移动终端发送的身份认证信息，所述身份认证信息中包括第一移动终端标识信息；
    所述转发单元，用于将所述身份认证信息转发给所述第三方服务器，以使得所述第 三方服务器生成与所述第一移动终端标识信息对应的令牌信息；
    所述接收单元，还用于接收所述第三方服务器发送的令牌信息。
  26. 根据权利要求25所述的装置，其特征在于，所述支付信息中还包括所述令牌信息和所述第一移动终端的设备证书，以使得所述第三方服务器分别验证所述令牌信息和所述第一移动终端的设备证书是否正确。
  27. 一种移动支付系统，其特征在于，包括：第一移动终端、第二移动终端、第三方服务器；
    所述第一移动终端，用于向所述第二移动终端发送支付请求，所述支付请求中包括第一移动终端标识信息，所述第一移动终端未安装支付应用APP；
    所述第二移动终端，用于向所述第三方服务器发送支付信息，所述支付信息中包括第一移动终端标识信息、第二移动终端中当前运行的支付应用APP对应的账号以及与所述第一移动终端标识信息对应的支付金额；
    所述第三方服务器，用于获取与所述第一移动终端标识信息对应的账号信息，以使得支付金额能从第一移动终端标识信息对应的账号转移到第二移动终端中当前运行的支付应用APP对应的账号。
PCT/CN2017/085283 2016-06-01 2017-05-22 移动支付方法、装置及系统 Ceased WO2017206747A1 (zh)

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