技术领域Technical Field
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。The present invention relates to the field of electronic financial technology, and in particular to a mobile payment method, device and system.
背景技术Background Art
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。With the development and widespread adoption of mobile technology, mobile payments have become an emerging form of electronic payment services. Mobile payments, also known as mobile payments, allow users to pay for goods and services using their mobile devices (typically cell phones). Compared to traditional internet-based electronic payments, mobile payments offer mobility, timeliness, personalization, and convenience. They directly connect users to funds processing systems like bank counters and merchant collection platforms, allowing them to conduct transactions with a variety of parties anytime, anywhere, simply by holding a mobile device.
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。Currently, mobile payments are implemented through payment apps (applications) installed on mobile devices. This means that when making a payment, a user sends a payment request to a financial server through the payment app on their mobile device. For example, users use apps like Alipay and WeChat to send a payment request. Upon receiving the payment request, the financial server performs the corresponding operation on the user account included in the payment request. Therefore, existing mobile payment methods are not available without the payment app installed.
发明内容Summary of the Invention
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。In view of the above problems, the present invention is proposed to provide a mobile payment method, device and system that overcome the above problems or at least partially solve the above problems.
为达到上述目的，本发明主要提供如下技术方案：To achieve the above objectives, the present invention mainly provides the following technical solutions:
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：In one aspect, an embodiment of the present invention provides a mobile payment method, the method comprising:
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；receiving payment information sent by a second mobile terminal, the payment information including the first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal 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 installed;
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。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 account corresponding to the payment application APP currently running in the second mobile terminal.
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：On the other hand, an embodiment of the present invention further provides a mobile payment method, the method comprising:
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；receiving a payment request sent by a first mobile terminal, wherein the payment request includes identification information of the first mobile terminal;
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。Send payment information to a third-party server, where the payment information includes the first mobile terminal identification information, the account number 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, so that the third-party server obtains the account number information corresponding to the first mobile terminal identification information, and enables the payment amount to be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application APP currently running in the second mobile terminal.
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：In another aspect, an embodiment of the present invention further provides a mobile payment device, comprising:
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；a receiving unit, configured to receive payment information sent by a second mobile terminal, the payment information including identification information of the first mobile terminal, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the identification information of the first mobile terminal, wherein the identification information of the first mobile terminal is sent by the first mobile terminal to the second mobile terminal, and the first mobile terminal does not have the payment application installed;
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。An acquisition unit is used to obtain the account information corresponding to the identification information of the first mobile terminal; so that the payment amount can be transferred from the account corresponding to the identification information of the first mobile terminal to the account corresponding to the payment application APP currently running in the second mobile terminal.
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：In another aspect, an embodiment of the present invention further provides a mobile payment device, comprising:
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；a receiving unit, configured to receive a payment request sent by a first mobile terminal, wherein the payment request includes identification information of the first mobile terminal, and the first mobile terminal does not have a payment application APP installed;
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。A sending unit is used to send payment information to a third-party server, where the payment information includes the first mobile terminal identification information, the account number 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, so that the third-party server obtains the account information corresponding to the first mobile terminal identification information, and enables the payment amount to be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application APP currently running in the second mobile terminal.
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；An embodiment of the present invention further provides a mobile payment system, which includes: a first mobile terminal, a second mobile terminal, and a third-party server;
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；The first mobile terminal is configured to send a payment request to the second mobile terminal, wherein the payment request includes identification information of the first mobile terminal, and the first mobile terminal does not have a payment application APP installed;
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；The second mobile terminal is configured to send payment information to the third-party server, the payment information including the identification information of the first mobile terminal, the account number corresponding to the payment application APP currently running on the second mobile terminal, and the payment amount corresponding to the identification information of the first mobile terminal;
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。The third-party server is used 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 account corresponding to the payment application APP currently running in the second mobile terminal.
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：By means of the above technical solution, the technical solution provided by the embodiment of the present invention has at least the following advantages:
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。Embodiments of the present invention provide a mobile payment method, device, and system. The method first receives payment information sent by a second mobile terminal. The payment information includes first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information. The method then obtains account number information corresponding to the first mobile terminal identification information, allowing the payment amount to be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Compared to current mobile payments that require a payment application installed on a mobile terminal, in embodiments of the present invention, when a first mobile terminal needs to make a payment to a second mobile terminal, the second mobile terminal can send the first mobile terminal's payment information to a third-party server via the second mobile terminal. The payment information includes the first mobile terminal identification information. Upon receiving the payment information, the third-party server obtains the account number information associated with the first mobile terminal identification information, allowing the payment amount to be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Thus, in embodiments of the present invention, mobile payments can be made even when the first mobile terminal does not have a payment application installed.
附图说明BRIEF DESCRIPTION OF THE DRAWINGS
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：Various other advantages and benefits will become apparent to those skilled in the art upon reading the detailed description of the preferred embodiment below. The accompanying drawings are for illustration purposes only and are not to be considered as limiting the present invention. The same reference symbols are used throughout the drawings to represent the same components. In the drawings:
图1为本发明实施例提供的一种移动支付方法流程图；FIG1 is a flow chart of a mobile payment method provided by an embodiment of the present invention;
图2为本发明实施例提供的另一种移动支付方法流程图；FIG2 is a flow chart of another mobile payment method provided by an embodiment of the present invention;
图3为本发明实施例提供的又一种移动支付方法流程图；FIG3 is a flow chart of another mobile payment method provided by an embodiment of the present invention;
图4为本发明实施例提供的再一种移动支付方法流程图；FIG4 is a flow chart of another mobile payment method provided by an embodiment of the present invention;
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；FIG5 is a block diagram of a mobile payment device provided by an embodiment of the present invention;
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；FIG6 is a block diagram of another mobile payment device provided by an embodiment of the present invention;
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；FIG7 is a block diagram of another mobile payment device provided by an embodiment of the present invention;
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；FIG8 is a block diagram of another mobile payment device provided by an embodiment of the present invention;
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；FIG9 is a structural block diagram of a mobile payment system provided by an embodiment of the present invention;
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。FIG10 is a schematic diagram of a mobile payment application scenario provided by an embodiment of the present invention.
具体实施方式DETAILED DESCRIPTION
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。Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.
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。In order to make the advantages of the technical solution of the present invention more clear, the present invention is described in detail below with reference to the accompanying drawings and embodiments.
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：An embodiment of the present invention provides a mobile payment method, which is applied to a third-party server. As shown in FIG1 , the method includes:
101、接收第二移动终端发送的支付信息。101. Receive payment information sent by a second mobile terminal.
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。The payment information includes the identification information of the first mobile terminal, the account number corresponding to the payment application APP currently running in the second mobile terminal, and the payment amount corresponding to the identification information of the first mobile terminal. The first mobile terminal does not have the payment application APP installed. The account number corresponding to the payment application APP currently running in the second mobile terminal can be the registered account number entered by the user when logging into the payment application APP through the second mobile terminal. In the embodiment of the present invention, the payment application APP can specifically be Alipay, WeChat, etc., and the embodiment of the present invention does not specifically limit it. In the embodiment of the present invention, the second mobile terminal and the second mobile terminal can be a personal computer (PC), a tablet computer, a smart phone, a personal digital assistant (PDA), a laptop computer, an in-vehicle computer, etc., and the embodiment of the present invention does not specifically limit it.
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。For an embodiment of the present invention, the first mobile terminal and the second mobile terminal in the present invention are to pass through IFAA (Internet financial identity authentication) alliance or authoritative body by the equipment of PKI (public key infrastructure) system authentication, that is, the first mobile terminal and the second mobile terminal are stored in the secure area with the certificate authenticated by the above method, and the certificate is used to pass to a third party for identity authentication. The first mobile terminal identification information is used to uniquely identify the first mobile terminal, and the first mobile terminal identification information can specifically be the hardware unique coding of the first mobile terminal, or it can be the certificate in the first mobile terminal.
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。It should be noted that the first mobile terminal identification information is sent from the first mobile terminal to the second mobile terminal. The first mobile terminal can specifically send the first mobile terminal identification information to the second mobile terminal via a communication method such as Bluetooth, scanning, or NFC (Near Field Communication), which is not limited in this embodiment of the present invention. In this embodiment of the present invention, the first mobile terminal sends the first mobile terminal identification information to the second mobile terminal via a communication method such as Bluetooth, scanning, or NFC, allowing the first mobile terminal to make payments to the second mobile terminal even when there is no network connection.
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。In this embodiment of the present invention, the second mobile terminal is a terminal with a verified identity and device authorization function. The verification of the second mobile terminal's identity is achieved through a third-party server, which is the server corresponding to the payment application currently running on the second mobile terminal. For example, the Alipay application on the second mobile terminal can only send the payment information of the first mobile terminal to the Alipay server after the Alipay server verifies its identity. The third-party server can authenticate the identity of the second mobile terminal using the device certificate in the second mobile terminal.
102、获取与所述第一移动终端标识信息对应的账号信息。102. Obtain account information corresponding to the first mobile terminal identification information.
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。Furthermore, the payment amount can be transferred from the account corresponding to the identification information of the first mobile terminal to the account corresponding to the payment application APP currently running on the second mobile terminal. Specifically, the process of transferring the payment amount from the account corresponding to the identification information of the first mobile terminal to the account corresponding to the payment application APP currently running on the second mobile terminal can be as follows: first, the account information corresponding to the first terminal identification information and the payment information are sent to the financial server, and then the financial server allocates the corresponding amount in the first terminal account to the account of the payment application APP currently running on the second mobile terminal. It should be noted that if the account corresponding to the obtained first mobile terminal identification information and the payment application APP account currently running in the second mobile terminal belong to the same payment APP account, such as an Alipay account, then after receiving the payment information, the Alipay server first obtains the account information corresponding to the first mobile terminal identification information, and then the Alipay server transfers 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 in the second mobile terminal; if the account corresponding to the obtained first mobile terminal identification information is in the form of a bank account, etc., then 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 sends the payment information and the account corresponding to the first terminal identification information 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 payment application APP currently running in the second mobile terminal.
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。In an embodiment of the present invention, a third-party server stores multiple account information, which may include bank accounts, Alipay accounts, Yu'ebao accounts, and other financial accounts. Each account information corresponds to a first mobile terminal identification information. Therefore, when the third-party server receives payment information sent by a second mobile terminal, it can search the third-party server for the corresponding account information based on the first mobile terminal identification information in the payment information. After obtaining the corresponding account information, 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 currently running on the second mobile terminal.
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。It should be noted that the account information stored in the third-party server can be obtained through the historical payment information of the first mobile terminal, can be obtained through the active provision of the first mobile terminal to the third-party server, or can be forwarded by the second mobile terminal, and the embodiments of the present invention do not specifically limit this. For example, after a user makes a financial payment through the Alipay application installed in the first mobile terminal, the Alipay server will automatically store the user's account information and the corresponding first mobile terminal identification information. Therefore, when the user makes a mobile payment again, even if the user has uninstalled the payment APP in the first mobile terminal, the third-party server can still obtain the corresponding account information based on the first mobile terminal identification information.
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。For another example, when a third-party server receives payment information sent by a second mobile terminal, if it does not find the account information corresponding to the first mobile terminal's identification information on the third-party server, the third-party server will send a prompt message to the second mobile terminal stating that there is no account corresponding to the first mobile terminal, prompting the first mobile terminal user to provide the corresponding account information. After receiving the prompt message, the first mobile terminal user can proactively send their account information to the third-party server, or send their account information to the second mobile terminal via Bluetooth, scanning, NFC, or other communication methods, and then the second mobile terminal will forward the first mobile terminal's account information to the third-party server. It should be noted that regardless of the method by which the third-party server obtains the identification information and account information of the first mobile terminal, after obtaining the identification information and account information of the first mobile terminal, the third-party server will store the first mobile terminal's account information and the first mobile terminal's identification information in a corresponding manner, so that when the first mobile terminal makes a mobile payment again, the third-party server can directly obtain the account information corresponding to the first mobile terminal's identification information from the internally stored account information.
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。In an embodiment of the present invention, since the first mobile terminal is a terminal with a device authorization function through a third-party server ID card, when the first mobile terminal makes a payment to the second mobile terminal, the first mobile terminal can first send the first mobile terminal identification information to the second mobile terminal through communication technologies such as Bluetooth, scanning, NFC, etc., and then the second mobile terminal sends the payment information to the third-party server. The payment information includes the first 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. After receiving the payment information, the third-party server obtains 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 account corresponding to the payment application APP currently running in the second mobile terminal. It can be seen from the above process that when the first mobile terminal makes a payment to the second mobile terminal, the first mobile terminal only needs to send the first mobile terminal identification information to the second mobile terminal. Therefore, the first mobile terminal implemented by the embodiment of the present invention can also make mobile payments without installing the payment APP.
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。An embodiment of the present invention provides a mobile payment method that first receives payment information sent by a second mobile terminal. The payment information includes first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information. The method then obtains account number information corresponding to the first mobile terminal identification information so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Compared to current mobile payments that require the use of a payment application installed on a mobile terminal, in the embodiment of the present invention, when a first mobile terminal needs to make a payment to a second mobile terminal, the second mobile terminal can send the first mobile terminal's payment information to a third-party server via the second mobile terminal. The payment information includes the first mobile terminal identification information. After receiving the payment information, the third-party server obtains the account number information of the first mobile terminal identification information so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Thus, in the embodiment of the present invention, the first mobile terminal can also make mobile payments even if it does not have a payment application installed.
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：An embodiment of the present invention provides another mobile payment method, which is applied to a third-party server. As shown in FIG2 , the method includes:
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。201. Receive information requesting activation of a device authorization function sent by the second mobile terminal.
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。Wherein, the request opens the device authorization function information and carries the device certificate of the second mobile terminal, the second mobile terminal is the equipment of passing through IFAA (Internet financial identity authentication) alliance or authoritative body by PKI (public key infrastructure) system authentication, that is, the secure area of the second mobile terminal is stored with the certificate authenticated by the above method, and the certificate is used to pass to third-party server for identity authentication. In an embodiment of the present invention, the device certificate of the second mobile terminal is the certificate stored for the second mobile terminal secure area.
202、验证所述设备证书是否合法。202. Verify whether the device certificate is legal.
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。In an embodiment of the present invention, verifying whether the device certificate is legal can be specifically achieved by determining whether a corresponding device certificate exists in a third-party server. If a corresponding device certificate exists in the third-party server, the device certificate is verified to be legal; if a corresponding device certificate does not exist in the third-party server, the device certificate is verified to be illegal.
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。203. If the device certificate is legal, send verification method information to the second mobile terminal.
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。Furthermore, the second mobile terminal obtains verification data based on the verification method information. Specifically, the verification method information may be face verification, ID verification, handwriting verification, voiceprint verification, eyeprint verification, etc., which is not specifically limited in the embodiment of the present invention. In the embodiment of the present invention, after receiving the verification method information sent by the third-party server, the second mobile terminal outputs verification method prompt information to prompt the user to enter the corresponding verification data. For example, if the received verification method information is ID verification and voiceprint verification, the ID verification and voiceprint verification prompt information is first output, and then the ID data and voice data entered by the second mobile terminal user are received.
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。In an embodiment of the present invention, after verifying the legitimacy of the device certificate, the method further includes: obtaining credit information of the account corresponding to the second mobile terminal, the credit information being used to evaluate the creditworthiness of the second mobile terminal; and detecting whether the credit information of the account corresponding to the second mobile terminal exceeds a preset threshold. Sending verification method information to the second mobile terminal includes: sending verification method information to the second mobile terminal if the credit information of the account corresponding to the second mobile terminal exceeds the preset threshold. The credit information of the second mobile terminal account is used to evaluate the creditworthiness of the second mobile terminal. The credit information may specifically be Sesame Credit in Alipay. The preset threshold can be configured based on actual needs and may specifically be 700, 800, 900, etc., and is not specifically limited in this embodiment of the present invention. In this embodiment of the present invention, since the payment information sent by the second mobile terminal to the third-party server is actually a financial payment from the first mobile terminal to the second mobile terminal, sending verification method information to the second mobile terminal when the credit information of the account corresponding to the second mobile terminal exceeds the preset threshold can ensure the security of the payment made by the first mobile terminal.
204、接收所述第二移动终端发送的验证数据。204. Receive verification data sent by the second mobile terminal.
205、检测所述验证数据是否正确。205. Check whether the verification data is correct.
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。206. If the verification data is correct, activate the device authorization function of the second mobile terminal.
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。It should be noted that the second mobile terminal can only send payment information to the third-party server after the device authorization function is activated on the second mobile terminal. In this embodiment of the present invention, after step 206, the method further includes: sending the activation information of the second mobile terminal to the second mobile terminal, so that the second mobile terminal confirms the activation information. In this embodiment of the present invention, sending the activation information of the second mobile terminal to the second mobile terminal is used to prompt the second mobile terminal user that the device authorization function has been activated on the current device. At this time, the payment information can be sent to the third-party server through the second mobile terminal.
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。In an embodiment of the present invention, after sending the activation information of the second mobile terminal to the second mobile terminal, the method further includes: receiving first mobile terminal identity authentication information sent by the second mobile terminal, the first mobile terminal identity authentication information including the first mobile terminal identification information; generating token information corresponding to the first mobile terminal identification information; and sending 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 a certificate in the first mobile terminal, which is not specifically limited in this embodiment of the present invention.
207、接收第二移动终端发送的支付信息。207. Receive payment information sent by the second mobile terminal.
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。The payment information includes the identification information of the first mobile terminal, the account number corresponding to the payment application APP currently running in the second mobile terminal, and the payment amount corresponding to the identification information of the first mobile terminal, and the first mobile terminal does not have the payment APP installed.
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。In an embodiment of the present invention, the first mobile terminal identification information is sent from the first mobile terminal to the second mobile terminal. The first mobile terminal may specifically send the first mobile terminal identification information to the second mobile terminal via a communication method such as Bluetooth, scanning, or NFC (Near Field Communication), which is not limited in this embodiment of the present invention. In an embodiment of the present invention, the first mobile terminal sends the first mobile terminal identification information to the second mobile terminal via a communication method such as Bluetooth, scanning, or NFC, enabling the first mobile terminal to make payments to the second mobile terminal even when there is no network connection.
208、获取与所述第一移动终端标识信息对应的账号信息。208. Obtain account information corresponding to the first mobile terminal identification information.
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。Furthermore, the payment amount can be transferred from the account corresponding to the identification information of the first mobile terminal to the account corresponding to the payment application APP currently running in the second mobile terminal.
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。In an embodiment of the present invention, before step 208, the method further includes: separately verifying whether the token information and the device certificate of the first mobile terminal are correct; and obtaining the account information corresponding to the identification information of the first mobile terminal includes: if the token information and the device certificate of the first mobile terminal are both verified to be correct, obtaining the account information corresponding to the identification information of the first mobile terminal. The separate verification of whether the token information and the device certificate of the first mobile terminal are correct involves searching a third-party server for the corresponding token information and the device certificate of the first mobile terminal. If the corresponding token information and the device certificate of the first mobile terminal exist on the third-party server, it indicates that the token information and the device certificate of the first mobile terminal are both verified to be correct.
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。It should be noted that after the third-party server generates token information based on the identification information of the first mobile terminal, the third-party server only caches the token information for a short period of time. For example, if the time of the generated token information is 14:00 and the valid cache time of the token on the third-party server is 3 minutes, then the token information generated after the current time is 14:03 will be automatically deleted from the third-party server. In an embodiment of the present invention, when 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 obtained to ensure the security of the payment made by the first mobile terminal.
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。For an embodiment of the present invention, after obtaining the account information corresponding to the first mobile terminal identification information, the method also includes: if the payment amount is successfully 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, then sending a payment success prompt message of the first mobile terminal to the second mobile terminal.
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。For the embodiment of the present invention, the applicable scenarios are shown in Figure 10, but are not limited to this, including: the supermarket payment device has the Alipay application installed, and the mobile phone has no payment application installed. If the user needs to check out through the mobile phone, the supermarket payment device first needs to send a request to the Alipay server to activate the device authorization function. After receiving the request, the Alipay server verifies the certificate of the supermarket payment device. If the verification is successful, it detects whether the credit corresponding to the supermarket payment device exceeds the preset threshold. If it exceeds the preset threshold, it sends face authentication method information to the supermarket payment device. After receiving the face authentication method information, the supermarket payment device sends the captured face image and certificate to the Alipay server, and then the Alipay server verifies whether the image and certificate are correct. If the verification is correct, it sends a prompt message of successful activation of the device authorization function to the supermarket payment device to prompt the supermarket staff that the current supermarket payment device can forward the payment request of the mobile phone.
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。When a mobile phone user needs to settle the items he purchased, he first needs to obtain the token corresponding to this payment request, and then send a payment request to the supermarket payment device. After receiving the payment request, the supermarket payment device sends payment information to the Alipay server. The payment information includes the mobile phone identification information, the mobile phone's certificate and the token corresponding to this 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. After receiving the payment information, the Alipay server verifies whether the mobile phone's certificate and the token corresponding to this payment request are correct. If the mobile phone's certificate and the token corresponding to this payment request are both verified correctly, the account corresponding to the mobile phone identification information is obtained, and the payment information and the account corresponding to the mobile phone are sent to the financial service together, so that the payment amount of the financial server can be transferred from the account corresponding to the identification information of the first mobile terminal to the account corresponding to the payment application APP currently running in the second mobile terminal.
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。In this application scenario, the specific process of obtaining the token corresponding to this payment request is: first, you need to obtain the identification information of the mobile phone, and then send identity authentication information to the supermarket payment device. The identity authentication information includes the identification information of the mobile phone. After receiving the identity authentication information, the supermarket payment device forwards the information to the Alipay server. The Alipay server then generates a token corresponding to the mobile phone identification information and sends the generated token to the supermarket payment device.
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。Another mobile payment method provided by an embodiment of the present invention first receives payment information sent by a second mobile terminal, the payment information including first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information. The method then obtains the account number information corresponding to the first mobile terminal identification information so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Compared to current mobile payments that require the use of a payment application installed on a mobile terminal, in an embodiment of the present invention, when a first mobile terminal needs to make a payment to a second mobile terminal, the second mobile terminal can send the first mobile terminal's payment information to a third-party server via the second mobile terminal. The payment information includes the first mobile terminal identification information. After receiving the payment information, the third-party server obtains the account number information of the first mobile terminal identification information so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Thus, in an embodiment of the present invention, the first mobile terminal can also make mobile payments even if it does not have a payment application installed.
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：An embodiment of the present invention provides another mobile payment method, which is applied to a second mobile terminal. As shown in FIG3 , the method includes:
301、接收第一移动终端发送的支付请求。301. Receive a payment request sent by a first mobile terminal.
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。The payment request includes identification information of the first mobile terminal, and the first mobile terminal does not have a payment app installed. The first mobile terminal can specifically send the first mobile terminal identification information to the second mobile terminal via a communication method such as Bluetooth, scanning, or NFC (Near Field Communication), which is not limited in this embodiment of the present invention. In this embodiment of the present invention, the first mobile terminal sends the first mobile terminal identification information to the second mobile terminal via a communication method such as Bluetooth, scanning, or NFC, enabling the first mobile terminal to make payments to the second mobile terminal without a network connection.
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。It should be noted that the first mobile terminal and the second mobile terminal in the present invention are the equipment that passes through IFAA (Internet financial identity authentication) alliance or authoritative body by PKI (public key infrastructure) system authentication, that is, the first mobile terminal and the second mobile terminal are stored with the certificate authenticated by the above method in the secure area, and the certificate is used to be passed to a third party for identity authentication. The first mobile terminal identification information is used to uniquely identify the first mobile terminal, and the first mobile terminal identification information can specifically be the hardware unique coding of the first mobile terminal, or it can be the certificate in the first mobile terminal, and the embodiments of the present invention are not specifically limited.
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。In an embodiment of the present invention, the second mobile terminal is a terminal that has undergone identity verification and has device authorization capabilities. The identity verification of the second mobile terminal is achieved through a third-party server, which is the server corresponding to the third-party application in the second mobile terminal. For example, the Alipay application in the second mobile terminal can only send payment information from the first mobile terminal to the Alipay server after the Alipay server verifies that the application has device authorization capabilities. The third-party server can authenticate the identity of the second mobile terminal using the device certificate in the second mobile terminal.
302、向第三方服务器发送支付信息。302. Send payment information to the third-party server.
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。Among them, the payment information includes the first mobile terminal identification information, the account number 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. Further, the third-party server obtains the account information corresponding to the first mobile terminal identification information, and enables the payment amount to be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application APP currently running in the second mobile terminal.
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。In an embodiment of the present invention, since the first mobile terminal is a terminal with a device authorization function through a third-party server ID card, when the first mobile terminal makes a payment to the second mobile terminal, the first mobile terminal can first send the first mobile terminal identification information to the second mobile terminal through communication technologies such as Bluetooth, scanning, NFC, etc., and then the second mobile terminal sends the payment information to the third-party server. The payment information includes the first 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. After receiving the payment information, the third-party server obtains 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 account corresponding to the payment application APP currently running in the second mobile terminal. It can be seen from the above process that when the first mobile terminal makes a payment to the second mobile terminal, it only needs to send the first mobile terminal identification information to the second mobile terminal. Therefore, the first mobile terminal implemented by the embodiment of the present invention can also make mobile payments without installing the payment APP.
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。Another mobile payment method provided by an embodiment of the present invention first receives payment information sent by a second mobile terminal, the payment information including first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information. The method then obtains the account number information corresponding to the first mobile terminal identification information so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Compared to current mobile payments that require the use of a payment application installed on a mobile terminal, in an embodiment of the present invention, when a first mobile terminal needs to make a payment to a second mobile terminal, the second mobile terminal can send the first mobile terminal's payment information to a third-party server via the second mobile terminal. The payment information includes the first mobile terminal identification information. After receiving the payment information, the third-party server obtains the account number information of the first mobile terminal identification information so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Thus, in an embodiment of the present invention, the first mobile terminal can also make mobile payments even if it does not have a payment application installed.
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：An embodiment of the present invention provides another mobile payment method, which is applied to a second mobile terminal, as shown in FIG4 , and includes:
401、向所述第三方服务器发送请求开通设备授权功能信息。401. Send information requesting activation of a device authorization function to the third-party server.
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。Wherein, the request opens the device authorization function information and carries the device certificate of the second mobile terminal；So that the third-party server verifies whether the device certificate is legal.It should be noted that the second mobile terminal is the equipment certified by IFAA (Internet financial identity authentication) alliance or authority by PKI (public key infrastructure) system, that is, the second mobile terminal's secure area stores the certificate authenticated by the above method, and the certificate is used to pass to the third-party server for identity authentication.In an embodiment of the present invention, the device certificate of the second mobile terminal is the certificate stored in the second mobile terminal secure area.
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。402. If the third-party server verifies that the device certificate is legitimate, receive verification method information sent by the third-party server.
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。The verification method information may specifically include face verification, document verification, handwriting verification, voiceprint verification, eyeprint verification, etc., which is not specifically limited in the embodiment of the present invention.
403、根据所述验证方式信息获取验证数据。403. Acquire verification data according to the verification method information.
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。For example, if the received verification method information is document verification and voiceprint verification, the document verification and voiceprint verification prompt information is first output, and then the document data and voice data input by the second mobile terminal user are received.
404、将所述验证数据发送给所述第三方服务器。404. Send the verification data to the third-party server.
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。Furthermore, the third-party server is enabled to detect whether the verification data is correct.
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。405. If the third-party server detects that the verification data is correct, receive prompt information sent by the third-party server indicating that the second mobile terminal device authorization function is successfully activated.
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。It should be noted that the second mobile terminal can only send payment information to the third-party server after the device authorization function is activated on the second mobile terminal. In this embodiment of the present invention, the prompt message indicating that the device authorization function has been successfully activated on the second mobile terminal is used to inform the second mobile terminal user that the device authorization function has been activated on the current device and that payment information can now be sent to the third-party server through the second mobile terminal.
406、接收所述第一移动终端发送的身份认证信息。406. Receive identity authentication information sent by the first mobile terminal.
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。Among them, the identity authentication information includes the first mobile terminal identification information, and the first mobile terminal does not have the payment APP installed. The first mobile terminal identification information can specifically be the hardware unique code of the first mobile terminal, or it can be the certificate in the first mobile terminal. The embodiment of the present invention does not make specific limitations.
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 FieldCommunication，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。In an embodiment of the present invention, the first mobile terminal can specifically send the first mobile terminal identification information to the second mobile terminal via a communication method such as Bluetooth, scanning, or NFC (Near Field Communication), which is not limited in this embodiment of the present invention. In an embodiment of the present invention, the first mobile terminal sends the first mobile terminal identification information to the second mobile terminal via a communication method such as Bluetooth, scanning, or NFC, enabling the first mobile terminal to make payments to the second mobile terminal without a network connection.
407、将所述身份认证信息转发给所述第三方服务器。407. Forward the identity authentication information to the third-party server.
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。Furthermore, the third-party server generates token information corresponding to the first mobile terminal identification information. It should be noted that after the third-party server generates the token information based on the first mobile terminal identification information, the token information is only cached for a short period of time. For example, if the token information is generated at 14:00 and the token is cached for 3 minutes on the third-party server, then the token information generated after the current time is 14:03 will be automatically deleted from the third-party server.
408、接收所述第三方服务器发送的令牌信息。408. Receive token information sent by the third-party server.
409、接收第一移动终端发送的支付请求。409. Receive a payment request sent by the first mobile terminal.
其中，所述支付请求中包括第一移动终端标识信息。The payment request includes identification information of the first mobile terminal.
410、向第三方服务器发送支付信息。410. Send payment information to the third-party server.
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。Among them, the payment information includes the first mobile terminal identification information, the account number 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, token information and the device certificate of the first mobile terminal.
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。Furthermore, the third-party server verifies the correctness of the token information and the device certificate of the first mobile terminal. If both the token information and the device certificate of the first mobile terminal are verified to be correct, the account information corresponding to the identification information of the first mobile terminal is obtained, and the payment amount is transferred from the account corresponding to the identification information of the first mobile terminal to the account corresponding to the payment application APP currently running in the second mobile terminal. In this embodiment of the present invention, when the verified token information and the device certificate of the first mobile terminal are both correct, the account information corresponding to the identification information of the first mobile terminal is obtained, thereby ensuring the security of the payment made by the first mobile terminal.
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。Another mobile payment method provided by an embodiment of the present invention first receives payment information sent by a second mobile terminal, the payment information including first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information. The method then obtains account number information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Compared to current mobile payments that require the use of a payment application installed on a mobile terminal, in an embodiment of the present invention, when a first mobile terminal needs to make a payment to a second mobile terminal, the second mobile terminal can send the first mobile terminal's payment information to a third-party server via the second mobile terminal. The payment information includes the first mobile terminal identification information. After receiving the payment information, the third-party server obtains the account number information of the first mobile terminal identification information, so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Thus, in an embodiment of the present invention, the first mobile terminal can also make mobile payments even if it does not have a payment application installed.
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。Furthermore, an embodiment of the present invention provides a mobile payment device, as shown in FIG5 , which includes: a receiving unit 51 and an acquiring unit 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；a receiving unit 51 configured to receive payment information sent by a second mobile terminal, the payment information including first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal 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 installed;
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。The acquisition unit 52 is used 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 account corresponding to the payment application APP currently running in the second mobile terminal.
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。It should be noted that for other corresponding descriptions of the various functional units involved in a mobile payment device provided in an embodiment of the present invention, reference can be made to the corresponding description of the method shown in Figure 1, which will not be repeated here. However, it should be clear that the device in this embodiment can implement all the contents of the aforementioned method embodiment.
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。An embodiment of the present invention provides a mobile payment device that first receives payment information sent by a second mobile terminal. The payment information includes first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information. The device then obtains account number information corresponding to the first mobile terminal identification information, so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Compared to current mobile payments that require the use of a payment application installed on a mobile terminal, in the embodiment of the present invention, when a first mobile terminal needs to pay a second mobile terminal, the second mobile terminal can send the first mobile terminal's payment information to a third-party server through the second mobile terminal. The payment information includes the first mobile terminal identification information. After receiving the payment information, the third-party server obtains the account number information of the first mobile terminal identification information, so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Thus, in the embodiment of the present invention, the first mobile terminal can also perform mobile payment even if the payment application is not installed.
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。Furthermore, an embodiment of the present invention provides another mobile payment device, as shown in FIG6 , which includes: a receiving unit 61 and an acquiring unit 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；a receiving unit 61 configured to receive payment information sent by a second mobile terminal, the payment information including first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal 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 installed;
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。The acquisition unit 62 is used 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 account corresponding to the payment application APP currently running in the second mobile terminal.
进一步地，所述装置还包括：验证单元64，发送单元63；Furthermore, the device further comprises: a verification unit 64, a sending unit 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；The receiving unit 61 is further configured to receive information sent by the second mobile terminal requesting activation of a device authorization function, wherein the information requesting activation of the device authorization function carries a device certificate of the second mobile terminal;
所述验证单元64，用于验证所述设备证书是否合法；The verification unit 64 is used to verify whether the device certificate is legal;
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。The sending unit 63 is further configured to send verification mode information to the second mobile terminal if the device certificate is legal, so that the second mobile terminal obtains verification data according to the verification mode information.
进一步地，所述装置还包括：检测单元65、开通单元66；Furthermore, the device further comprises: a detection unit 65, an opening unit 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；The receiving unit 61 is further configured to receive verification data sent by the second mobile terminal;
所述检测单元65，用于检测所述验证数据是否正确；The detection unit 65 is used to detect whether the verification data is correct;
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。The activation unit 66 is configured to activate a device authorization function of the second mobile terminal if the verification data is correct.
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。The sending unit 63 is further configured to send the activation information of the second mobile terminal to the second mobile terminal, so that the second mobile terminal confirms the activation information.
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；The obtaining unit 62 is further configured to obtain credit information of the account corresponding to the second mobile terminal, wherein the credit information is used to evaluate the credit of the second mobile terminal;
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；The detection unit 65 is further configured to detect whether the credit information of the account corresponding to the second mobile terminal exceeds a preset threshold;
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。The sending unit 63 is specifically configured to send verification method information to the second mobile terminal if the credit information of the account corresponding to the second mobile terminal exceeds a preset threshold.
所述装置还包括：生成单元67；The apparatus further comprises: a generating unit 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；The receiving unit 61 is further configured to receive the first mobile terminal identity authentication information sent by the second mobile terminal, where the first mobile terminal identity authentication information includes the first mobile terminal identification information;
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；The generating unit 67 is configured to generate token information corresponding to the first mobile terminal identification information;
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。The sending unit 63 is further configured to send the token information to the second mobile terminal.
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；In this embodiment of the present invention, the payment information sent by the second mobile terminal also includes the token information and the device certificate of the first mobile terminal;
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；The verification unit 64 is further configured to verify whether the token information and the device certificate of the first mobile terminal are correct;
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。The acquiring unit 62 is specifically configured to acquire the account information corresponding to the identification information of the first mobile terminal if both the token information and the device certificate of the first mobile terminal are verified to be correct.
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。The sending unit 63 is further configured to send a first mobile terminal identity authentication error prompt message to the second mobile terminal if any one of the token information and the device certificate of the first mobile terminal is verified incorrectly.
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。It should be noted that for other corresponding descriptions of the various functional units involved in a mobile payment device provided in an embodiment of the present invention, reference can be made to the corresponding description of the method shown in Figure 2, which will not be repeated here. However, it should be clear that the device in this embodiment can implement all the contents of the aforementioned method embodiment.
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。Another mobile payment device provided by an embodiment of the present invention first receives payment information sent by a second mobile terminal, wherein the payment information includes first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information. The device then obtains account number information corresponding to the first mobile terminal identification information so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Compared to current mobile payments that require the use of a payment application installed on a mobile terminal, in an embodiment of the present invention, when a first mobile terminal needs to pay a second mobile terminal, the second mobile terminal can send the first mobile terminal's payment information to a third-party server via the second mobile terminal. The payment information includes the first mobile terminal identification information. After receiving the payment information, the third-party server obtains the account number information of the first mobile terminal identification information so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Thus, in an embodiment of the present invention, mobile payment can be implemented even if the first mobile terminal does not have a payment application installed.
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。Furthermore, an embodiment of the present invention provides another mobile payment device, as shown in FIG7 , which includes: a receiving unit 71 and a sending unit 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；A receiving unit 71 is configured to receive a payment request sent by a first mobile terminal, wherein the payment request includes identification information of the first mobile terminal, and the first mobile terminal does not have a payment app installed;
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。A sending unit 72 is used to send payment information to a third-party server, where the payment information includes the first mobile terminal identification information, the account number 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, so that the third-party server obtains the account number information corresponding to the first mobile terminal identification information, and enables the payment amount to be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application APP currently running in the second mobile terminal.
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。It should be noted that for other corresponding descriptions of the various functional units involved in another mobile payment device provided in an embodiment of the present invention, reference can be made to the corresponding description of the method shown in Figure 3, which will not be repeated here. However, it should be clear that the device in this embodiment can implement all the contents of the aforementioned method embodiment.
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。Another mobile payment device provided by an embodiment of the present invention first receives payment information sent by a second mobile terminal, the payment information including first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information. The device then obtains account number information corresponding to the first mobile terminal identification information, allowing the payment amount to be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Compared to current mobile payments that require the use of a payment application installed on a mobile terminal, in an embodiment of the present invention, when a first mobile terminal needs to make a payment to a second mobile terminal, the second mobile terminal can send the first mobile terminal's payment information to a third-party server via the second mobile terminal. The payment information includes the first mobile terminal identification information. Upon receiving the payment information, the third-party server obtains the account number information of the first mobile terminal identification information, allowing the payment amount to be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Thus, in an embodiment of the present invention, the first mobile terminal can also make mobile payments even if it does not have a payment application installed.
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。Furthermore, an embodiment of the present invention provides another mobile payment device, as shown in FIG8 , which includes: a receiving unit 81 and a sending unit 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；A receiving unit 81 is configured to receive a payment request sent by a first mobile terminal, wherein the payment request includes identification information of the first mobile terminal, and the first mobile terminal does not have a payment app installed;
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。The sending unit 82 is used to send payment information to a third-party server, where the payment information includes the first mobile terminal identification information, the account number 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, so that the third-party server obtains the account information corresponding to the first mobile terminal identification information, and enables the payment amount to be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application APP currently running in the second mobile terminal.
进一步地，所述装置还包括：获取单元83；Furthermore, the device further includes: an acquisition unit 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；The sending unit 82 is further configured to send a device authorization function activation request message to the third-party server, wherein the device authorization function activation request message carries the device certificate of the second mobile terminal, so that the third-party server verifies whether the device certificate is legitimate;
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；The receiving unit 81 is further configured to receive verification method information sent by the third-party server if the third-party server verifies that the device certificate is legitimate;
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。The obtaining unit 83 is configured to obtain verification data according to the verification method information.
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；The sending unit 82 is further configured to send the verification data to the third-party server so that the third-party server can detect whether the verification data is correct;
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。The receiving unit 81 is further configured to receive a prompt message indicating that the second mobile terminal device authorization function is successfully activated, sent by the third-party server, if the third-party server detects that the verification data is correct.
进一步地，所述装置还包括：转发单元84；Furthermore, the apparatus further comprises: a forwarding unit 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；The receiving unit 81 is further configured to receive identity authentication information sent by the first mobile terminal, wherein the identity authentication information includes identification information of the first mobile terminal;
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；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;
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。The receiving unit 81 is further configured to receive token information sent by the third-party server.
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。According to the embodiment of the present invention, the payment information also includes the token information and the device certificate of the first mobile terminal, so that the third-party server verifies whether the token information and the device certificate of the first mobile terminal are correct.
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。It should be noted that for other corresponding descriptions of the various functional units involved in another mobile payment device provided in an embodiment of the present invention, reference can be made to the corresponding description of the method shown in Figure 4, which will not be repeated here. However, it should be clear that the device in this embodiment can implement all the contents of the aforementioned method embodiment.
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。Another mobile payment device provided by an embodiment of the present invention first receives payment information sent by a second mobile terminal, the payment information including first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information. The device then obtains account number information corresponding to the first mobile terminal identification information, allowing the payment amount to be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Compared to current mobile payments that require the use of a payment application installed on a mobile terminal, in an embodiment of the present invention, when a first mobile terminal needs to make a payment to a second mobile terminal, the second mobile terminal can send the first mobile terminal's payment information to a third-party server via the second mobile terminal. The payment information includes the first mobile terminal identification information. Upon receiving the payment information, the third-party server obtains the account number information associated with the first mobile terminal identification information, allowing the payment amount to be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Thus, in an embodiment of the present invention, mobile payment can be implemented even if the first mobile terminal does not have a payment application installed.
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；Furthermore, an embodiment of the present invention provides a mobile payment system, as shown in FIG9 , the system includes: a first mobile terminal 91 , a second mobile terminal 92 , and a third-party server 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；The first mobile terminal 91 is configured to send a payment request to the second mobile terminal, wherein the payment request includes identification information of the first mobile terminal, and the first mobile terminal does not have a payment app installed;
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；The second mobile terminal 92 is configured to send payment information to the third-party server, the payment information including the first mobile terminal identification information, the account number corresponding to the payment application APP currently running on the second mobile terminal, and the payment amount corresponding to the first mobile terminal identification information;
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。The third-party server 93 is used 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 account corresponding to the payment application APP currently running in the second mobile terminal.
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。An embodiment of the present invention provides a mobile payment system that first receives payment information sent by a second mobile terminal. The payment information includes first mobile terminal identification information, an account number corresponding to a payment application currently running on the second mobile terminal, and a payment amount corresponding to the first mobile terminal identification information. The system then obtains account number information corresponding to the first mobile terminal identification information so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Compared to current mobile payments that require the use of a payment application installed on a mobile terminal, in the embodiment of the present invention, when a first mobile terminal needs to pay a second mobile terminal, the second mobile terminal can send the first mobile terminal's payment information to a third-party server through the second mobile terminal. The payment information includes the first mobile terminal identification information. After receiving the payment information, the third-party server obtains the account number information of the first mobile terminal identification information so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application currently running on the second mobile terminal. Thus, in the embodiment of the present invention, the first mobile terminal can also perform mobile payment even if the payment application is not installed.
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。The mobile payment device includes a processor and a memory. The above-mentioned receiving unit, acquisition unit, sending unit, verification unit, detection unit, activation unit and generation unit are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.
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。The processor contains a kernel, which calls the corresponding program unit from the memory. One or more kernels can be set, and the accuracy of the mixed view display can be improved by adjusting the kernel parameters.
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(flashRAM)，存储器包括至少一个存储芯片。The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.
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。The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing program code that is initialized with the following method steps: receiving payment information sent by a second mobile terminal, the payment information including first mobile terminal identification information, an account number corresponding to a payment application APP currently running in the second mobile terminal, and a payment amount corresponding to the first mobile terminal 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 APP installed; obtaining the account number information corresponding to the first mobile terminal identification information; so that the payment amount can be transferred from the account number corresponding to the first mobile terminal identification information to the account number corresponding to the payment application APP currently running in the second mobile terminal.
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。Those skilled in the art will appreciate that the embodiments of the present application can be provided as methods, systems, or computer program products. Therefore, the present application can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.
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。The present application is described with reference to the display method and apparatus of the mixed view according to the embodiment of the present application, and the flowchart and/or block diagram of the computer program product. It should be understood that each process and/or box in the flowchart and/or block diagram, as well as the combination of the processes and/or boxes in the flowchart and/or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate a device for implementing the functions specified in one or more processes in the flowchart and/or one or more boxes in the block diagram.
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。These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce a product including an instruction device that implements the functions specified in one or more processes in the flowchart and/or one or more boxes in the block diagram.
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。These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, so that the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one or more processes in the flowchart and/or one or more boxes in the block diagram.
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。In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
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。The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and/or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.
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。Computer-readable media includes permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules 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 disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media (transitory media), such as modulated data signals and carrier waves.
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。The above are merely embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present application should all be included within the scope of the claims of the present application.
| Publication Number | Publication Date |
|---|---|
| HK1238390A HK1238390A (en) | 2018-04-27 |
| HK1238390A1 HK1238390A1 (en) | 2018-04-27 |
| HK1238390Btrue HK1238390B (en) | 2021-10-15 |
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