CN106600266A - Mobile payment method and apparatus based on SDK - Google Patents
Mobile payment method and apparatus based on SDK Download PDFInfo
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- CN106600266A CN106600266A CN201611106045.2A CN201611106045A CN106600266A CN 106600266 A CN106600266 A CN 106600266A CN 201611106045 A CN201611106045 A CN 201611106045A CN 106600266 A CN106600266 A CN 106600266A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- Computer Security & Cryptography (AREA)
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- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a mobile payment method and apparatus based on a SDK, and is applied to a mobile terminal. The SDK associated with a cloud quick pass platform is integrated in a bank application of the mobile terminal. The method includes: determining a bank card account of a to-be-established transaction account when a quick pass mode turn-on request is received on an interface which the SDK of the bank application is located on; reporting the determined bank card account to the cloud quick pass platform associated with the SDK to allow the cloud quick pass platform to establish and feed back the transaction account; displaying a prompt interface when the transaction account fed back by the cloud quick pass platform is received, and sending a confirmation turn-on request input based on the prompt interface to the cloud quick pass platform to allow the cloud quick pass platform to turn on the quick pass mode; and performing payment operation based on the turned-on quick pass mode. According to the method and apparatus, the quick pass mode is turned on by the SDK in the bank application so that mobile payment can be realized, the overall process of mobile payment is more convenient, the security is high, the payment amount is not limited, and the overall gain of the bank is increased.
Description
Technical field
The present invention relates to mobile payment field, more particularly to a kind of method of mobile payment and device based on SDK.
Background technology
With the popularization of the fast-developing and smart mobile phone of the Internet, mobile APP (Application, application program)
Market is unprecedentedly burning hot, and at present, most of bank is not set up the mobile payment platform of oneself due to the weakness of technical elements, only
Third-party payment platform (such as wechat, Alipay) can be docked, to realize the mobile payment of terminal, and existing this movement is propped up
, there is following a few point defects in the pattern of paying：1st, user must install third-party application, a register account number, and bind bank card etc.
Deng cumbersome；When the 2nd, due to being paid by third-party application, usually using small amount payment, cause the amount for paying
Limit；3) paid by third party, safety decreases；4) the details inquiry of bank card and business are done
Reason, remains and is processed in Bank application, but bank is not engaged in payment transaction, therefore is not provided the handss of payment services
Continue to pay dues and be divided into, causing the integral benefit of bank reduces.
The content of the invention
Present invention is primarily targeted at proposing a kind of method of mobile payment and device based on SDK, it is intended to solve existing
Mobile payment mode, it is cumbersome, pay that amount is limited, safety is reduced, the technical problem that the integral benefit of bank is reduced.
For achieving the above object, a kind of method of mobile payment that the present invention is provided, is applied to mobile terminal, described mobile whole
Integrated cloud dodges the SDK SDK for paying platform association in the Bank application at end, and the method for mobile payment includes：
When sudden strain of a muscle pair pattern unlatching request is received in the SDK places interface of the Bank application, determine that grade separation yet to be built is easy
The bank card account of account；
The cloud that the bank card account for determining reports to the SDK associations is dodged and pays platform, pay flat so that the cloud dodges
Stylobate sets up trading account in the bank card account, and feeds back the trading account to the mobile terminal；
When the trading account of the cloud sudden strain of a muscle pair platform feedback is received, display reminding interface, and will be based on described
The confirmation of prompting interface input is opened and asks transmission to pay platform to cloud sudden strain of a muscle, and so that the cloud dodges a pair platform unlatching sudden strain of a muscle mould is paid
Formula；
Pattern is paid based on the sudden strain of a muscle opened perform delivery operation.
Preferably, it is described receive in the SDK places interface of the Bank application sudden strain of a muscle pay pattern open request when, it is determined that
The step of bank card account of vertical trading account yet to be built, includes：
When sudden strain of a muscle pair pattern unlatching request is received in the SDK places interface of the Bank application, bank card account is jumped to
The selection interface at family, so that user selects bank card account；
Bank card account of the bank card account that user is selected as vertical trading account yet to be built.
Preferably, it is described when the trading account of the cloud sudden strain of a muscle pair platform feedback is received, display reminding interface, and
To be opened based on the confirmation of prompting interface input and ask to send to the cloud to dodge to pay platform, be opened so that the cloud dodges a pair platform
Opening the step of pattern is paid in sudden strain of a muscle includes：
Show that dodging the pattern of paying opens interface based on the trading account；
Determine whether the near field communication (NFC) function for starting mobile terminal；
If currently having had been turned on the near field communication (NFC) function of mobile terminal, in described sudden strain of a muscle during the pattern of paying opens interface silver is ejected
The input frame of row clip pin, for the corresponding bank card password of bank card account described in user input；
Bank card password after encryption is uploaded to into the cloud and dodges a pair platform, platform is paid by after encryption so that the cloud dodges
Bank card password is forwarded in the bank backstage of the bank card account association and is veritified, and receives the bank backstage feedback
Veritification result, veritify result pass through for veritification when, open mobile terminal sudden strain of a muscle pay pattern.
Preferably, it is described the step of determine whether the near field communication (NFC) function for starting mobile terminal after, the shifting
Dynamic method of payment also includes：
If the near field communication (NFC) function of current not actuated mobile terminal, pay ejection during pattern opens interface in the sudden strain of a muscle and open
The selection window of the near field communication (NFC) function of mobile terminal；
When confirmation open command is received, start the near field communication (NFC) function of mobile terminal.
Preferably, before the step of pattern is paid in the sudden strain of a muscle for opening mobile terminal, the method for mobile payment also includes：
When veritifying result and passing through for veritification, the selection window that preference is arranged is ejected, choose whether will be described for user
Dodge the pattern of paying and be set to common pattern；
If receiving confirmation arranges instruction, the pattern of paying of dodging is set to into common pattern, so as to subsequently received
When paying operation, directly pay pattern using sudden strain of a muscle and paid.
Preferably, it is that the cloud is uploaded to after rivest, shamir, adelman rsa encryption when the bank card password is uploaded
Dodge and pay platform.
Preferably, the bank card password after rsa encryption, dodging a pair platform by the cloud carries out DEA 3DES
Turn to be forwarded to after encryption in the bank backstage of the bank card account association.
Preferably, the mobile terminal dodges with the cloud and pays the data message that platform sends in communication process/receives, and leads to
Crossing preset-key information carries out signature/sign test.
Additionally, for achieving the above object, the present invention also proposes a kind of mobile payment device, is applied to mobile terminal, described
Integrated cloud dodges the SDK for paying platform association in the Bank application of mobile terminal, and the mobile payment device includes：
Determining module, when dodging the pattern of paying unlatching request for receiving in the SDK places interface of the Bank application, really
The bank card account of fixed vertical trading account yet to be built；
Reporting module, the cloud for the bank card account for determining to be reported to the SDK associations dodges pays platform, for
The cloud dodges pair platform and sets up trading account based on the bank card account, and it is whole to the movement to feed back the trading account
End；
Processing module, for when receiving the cloud and dodging the trading account for paying platform feedback, display reminding interface,
And will ask to send to the cloud to dodge to pay platform based on the confirmation unlatching of prompting interface input, for a cloud sudden strain of a muscle pair platform
Open and dodge the pattern of paying；
Payment module, for paying pattern based on the sudden strain of a muscle opened delivery operation is performed.
Preferably, the determining module includes：
Jump-transfer unit, when dodging the pattern of paying unlatching request for receiving in the SDK places interface of the Bank application, jumps
The selection interface of bank card account is gone to, so that user selects bank card account；
Processing unit, for the bank card account that selects user as vertical trading account yet to be built bank card account.
Preferably, the processing module includes：
Display unit, for showing that dodging the pattern of paying opens interface based on the trading account；
Determining unit, for determining whether to start the near field communication (NFC) function of mobile terminal；
Unit is ejected, if the near field communication (NFC) function for currently having had been turned on mobile terminal, is opened in the pattern of paying of dodging
The input frame that bank card password is ejected in interface is opened, for the corresponding bank card password of bank card account described in user input；
Uploading unit, for the bank card password after encryption to be uploaded to into the cloud a pair platform is dodged, and is paid so that the cloud dodges
Bank card password after encryption is forwarded in the bank backstage of the bank card account association and is veritified by platform, and receives institute
The veritification result of bank's backstage feedback is stated, when veritification result passes through for veritification, pattern is paid in the sudden strain of a muscle for opening mobile terminal.
Preferably, the ejection unit, if being additionally operable to the near field communication (NFC) function of current not actuated mobile terminal, described
Dodge the pattern of paying and open the selection window that the near field communication (NFC) function for opening mobile terminal is ejected in interface；
The opening module also includes：
Start unit, for when confirmation open command is received, starting the near field communication (NFC) function of mobile terminal.
Preferably, the ejection unit, is additionally operable to, when veritification result passes through for veritification, eject the selection window that preference is arranged
Mouthful, so that user chooses whether for the pattern of paying of dodging to be set to common pattern；
The opening module also includes：
Setting unit, if confirming to arrange instruction for receiving, by the pattern of paying of dodging common pattern is set to, so as to
During subsequently received delivery operation, directly pay a pattern using sudden strain of a muscle and paid.
Preferably, it is to upload to the cloud after rsa encryption to dodge a pair platform when bank card password is uploaded.
Preferably, the bank card password after rsa encryption, dodging a pair platform by the cloud carries out being forwarded after 3DES turns to encrypt
Into the bank backstage of bank card account association.
Preferably, the mobile payment device dodges with the cloud and pays the datagram that platform sends in communication process/receives
Text, by preset-key information signature/sign test is carried out.
Method of mobile payment proposed by the present invention and device, integrated cloud dodges and pays platform association in the Bank application of mobile terminal
SDK, receive in the SDK places interface of the Bank application sudden strain of a muscle pay pattern open request when, first determine that grade separation yet to be built is easy
The bank card account of account, then the cloud that the bank card account for determining reports to the SDK associations is dodged pay platform, for
The cloud dodges a pair platform and sets up trading account based on the bank card account and feed back the trading account, is receiving the cloud
When dodging the trading account for paying platform feedback, display reminding interface, and will be opened based on the confirmation of prompting interface input
Request sends to the cloud to dodge pays platform, and so that the cloud dodges to pay platform and open the pattern of paying is dodged, and mould is paid in the sudden strain of a muscle for being based ultimately upon unlatching
Formula performs delivery operation.SDK of this programme in Bank application is opened and is dodged the pattern of paying, you can mobile payment is realized, without the need under
Third-party application is carried, without the need for extra login user and payment cipher, not only the overall flow of mobile payment is more convenient, safety
Property it is high, pay that amount is also unrestricted, also improve the overall income of bank.
Description of the drawings
Fig. 1 is the schematic flow sheet of method of mobile payment first embodiment of the present invention；
Fig. 2 is the refinement schematic flow sheet of step S10 in Fig. 1；
Fig. 3 is the first refinement schematic flow sheet of step S30 in Fig. 1；
Fig. 4 is the second refinement schematic flow sheet of step S30 in Fig. 1；
Fig. 5 is the high-level schematic functional block diagram of mobile payment device first embodiment of the present invention；
Fig. 6 is the refinement of determining module 10 high-level schematic functional block diagram in Fig. 5；
Fig. 7 is the refinement of processing module 30 first high-level schematic functional block diagram in Fig. 5；
Fig. 8 is the refinement of processing module 30 second high-level schematic functional block diagram in Fig. 5.
The realization of the object of the invention, functional characteristics and advantage will be described further referring to the drawings in conjunction with the embodiments.
Specific embodiment
It should be appreciated that specific embodiment described herein is not intended to limit the present invention only to explain the present invention.
The solution of the embodiment of the present invention is mainly：Integrated cloud dodges and pays platform association in the Bank application of mobile terminal
SDK (Software Development Kit, i.e. SDK), in the SDK places interface of the Bank application
When receiving sudden strain of a muscle pair pattern unlatching request, the bank card account of vertical trading account yet to be built is first determined, the silver that then will be determined
Row card account reports to the cloud of the SDK associations and dodges a pair platform, is built based on the bank card account so that the cloud dodges a pair platform
Vertical trading account simultaneously feeds back the trading account, when the trading account of the cloud sudden strain of a muscle pair platform feedback is received, shows
Prompting interface, and will ask to send to the cloud to dodge to pay platform based on the confirmation unlatching of prompting interface input, for described
Cloud dodges pair platform and opens and dodges the pattern of paying, and pattern execution delivery operation is paid in the sudden strain of a muscle for being based ultimately upon unlatching.To solve existing movement
The mode of paying, cumbersome, payment amount is limited, safety is reduced, the problem that the integral benefit of bank is reduced.
The present invention provides a kind of method of mobile payment based on SDK.
With reference to Fig. 1, Fig. 1 is the schematic flow sheet of method of mobile payment first embodiment of the present invention.
In the present embodiment, the method for mobile payment is applied to mobile terminal, in the Bank application of the mobile terminal
Integrated cloud dodges the SDK SDK for paying platform association, and the method for mobile payment includes：
When sudden strain of a muscle pair pattern unlatching request is received in the SDK places interface of the Bank application, determine that grade separation yet to be built is easy
The bank card account of account；The cloud that the bank card account for determining reports to the SDK associations is dodged and pays platform, for described
Cloud dodges a pair platform and sets up trading account based on the bank card account, and feeds back the trading account to the mobile terminal；
When receiving the trading account of the cloud sudden strain of a muscle pair platform feedback, display reminding interface, and will be defeated based on the prompting interface
The confirmation for entering is opened request and is sent to the cloud and dodges a pair platform, and so that the cloud dodges to pay platform and open a pair pattern is dodged；Based on unlatching
Sudden strain of a muscle pay pattern perform delivery operation.
In the present embodiment, first cloud integrated in the Bank application of mobile phone dodges the SDK for paying platform, so as to the mobile terminal
The cloud is accessed by the SDK and dodges a pair platform.Certainly, to the integrated SDK in the Bank application, the Bank application is needed
An entrance is provided for SDK, according to the entrance, you can the integrated SDK in the Bank application.In the present embodiment, cloud
Dodge and pay described in platform development during SDK, to the SDK using the service of reinforcing, carry out Code obfuscation, increase inversely cracks difficulty.Together
When, the Bank application must be registered in the cloud dodges pair platform, could use the SDK, to ensure subsequent movement
The safety paid.
The present invention is preferably the cloud sudden strain of a muscle pair platform that bank opens up it should be noted that the cloud dodges pair platform, also, cloud dodges
Pay the corresponding bank of platform different from the corresponding bank of Bank application.The cloud dodges to pay the corresponding bank of platform and be preferably and possesses elder generation
Enter the bank of technology, the corresponding bank of the Bank application is preferably the cooperative bank of not concrete advanced technology, so, so that it may
Dodged with the cloud provided by bank and pay platform, for cooperative bank mobile payment service is provided.Therefore, the present invention is the equal of to provide
A kind of innovative technology modality for co-operation based on SaaS+ (Software-as-a-service, software is serviced), bank is led
The S＆T business incubator of elder generation, risk management ability, mobile payment ability are exported to cooperative bank, and power-assisted cooperative bank accelerates mobile payment
Paces, and by technology connection, have complementary advantages, the client for regional bank provides more advanced, safely and conveniently consumption and payment
Service, practices the value of general favour finance.
The following is the concrete steps that mobile payment is done step-by-step in the present embodiment：
Step S10, when sudden strain of a muscle pair pattern unlatching request is received in the SDK places interface of the Bank application, it is determined that treating
Set up the bank card account of trading account；
When User logs in Bank application, click on SDK and dodge and pay an entrance, into the SDK interface when, you can enjoy Yun Shanfu
The mobile payment service that platform is provided with money pool.It should be appreciated that when user uses first, needing cloud to dodge and paying platform
Open trading account, due to the present embodiment in, be that cloud dodges and pays platform and money pool and provide mobile payment service, therefore, cloud dodges
Paying the trading account opened of platform needs to be bound with the bank card account of Bank application.Wherein, the trading account is II
Class account (i.e. Joint Account), the bank card account is I class account, and the I class account is referred to by traditional bank cabinet face
Account opening, meeting all strict demands of system of real name, and II class account be can not access cash, can not be to unbundling account
The account that family is transferred accounts.
When in the present embodiment, into the interface of the SDK, the interface display of the SDK is opened an account interface, for user's base
In the interface of opening an account, the bank card account of vertical trading account yet to be built is determined.
Specifically, with reference to Fig. 2, step S10 includes：
Step S11, when sudden strain of a muscle pair pattern unlatching request is received in the SDK places interface of the Bank application, jumps to
The selection interface of bank card account, so that user selects bank card account；
Step S12, bank card account of the bank card account that user is selected as vertical trading account yet to be built.
That is, when sudden strain of a muscle pair pattern unlatching request is received in the SDK places interface of the Bank application, the shifting
Dynamic terminal first jumps to the selection interface of bank card account, so that user selects bank card account, after user selects to complete,
Bank card account of the bank card account that user is selected as vertical trading account yet to be built.
Step S20, the cloud that the bank card account for determining reports to the SDK associations is dodged and pays platform, for described
Cloud dodges a pair platform and sets up trading account based on the bank card account, and feeds back the trading account to the mobile terminal；
That is, described mobile terminal it is determined that after the bank card account of vertical trading account yet to be built, the bank that will be determined
Card account is dodged by the cloud that the SDK reports to the SDK associations and pays platform, and so that the cloud dodges pair platform the bank is based on
Card account sets up trading account, and feeds back the trading account to the mobile terminal.
It should be noted that the cloud dodges a pair platform not only can set up trading account, also including data distribution, Token
The functions such as (token) management, key management, risk control, business monitoring, and personal data download, Token are externally provided
Life cycle management and go marking etc. service.
Step S30, when the trading account of the cloud sudden strain of a muscle pair platform feedback is received, display reminding interface, and will
The confirmation being input into based on the prompting interface is opened request transmission and pays platform to cloud sudden strain of a muscle, and so that the cloud dodges platform unlatching is paid
Dodge the pattern of paying；
Step S40, pays pattern and performs delivery operation based on the sudden strain of a muscle opened.
That is, the mobile terminal first shows when the trading account of the cloud sudden strain of a muscle pair platform feedback is received
Show prompting interface, and user is asked to send to the cloud to dodge to pay platform based on the confirmation unlatching of prompting interface input, with
Dodge to pay platform and open for the cloud and dodge the pattern of paying, the final mobile terminal pays pattern and performs delivery operation based on the sudden strain of a muscle opened.
In the present embodiment, the preferred sudden strain of a muscle opened pays model application in the hce clouds of near-field communication pay, therefore, the mobile terminal base
Pattern execution delivery operation is paid in the sudden strain of a muscle opened to be actually：Sensing charging terminal such as by preset near field communications chip
During POS (point of sale, point-of-sale terminal) machine, when sensing the mobile terminal by POS, according to disappearing for user's reality
The display interface for taking the amount of money in POS shows the amount of money, and exports information, to point out user input to pay the bank card account
The corresponding payment cipher in family, when POS receives the payment cipher after encryption, by the payment cipher after bank card information and encryption
Sending to bank backstage carries out operation of deducting fees.
In the present embodiment, the embodiment that the pattern of paying is dodged in the mobile terminal unlatching includes：
1) mode one, reference Fig. 3, step S30 includes：
Step S31, shows that dodging the pattern of paying opens interface based on the trading account；
Step S32, determines whether the near field communication (NFC) function for starting mobile terminal；
Step S33, if currently having had been turned on the near field communication (NFC) function of mobile terminal, in the pattern of paying of dodging interface is opened
The middle input frame for ejecting bank card password, for the corresponding bank card password of bank card account described in user input；
Step S34, is uploaded to the bank card password after encryption the cloud and dodges a pair platform, and paying platform for cloud sudden strain of a muscle will
Bank card password after encryption is forwarded in the bank backstage of the bank card account association and is veritified, and receives the bank
The veritification result of backstage feedback, when veritification result passes through for veritification, pattern is paid in the sudden strain of a muscle for opening mobile terminal.
In the present embodiment mode, the mobile terminal first shows that sudden strain of a muscle is paid pattern and opens interface based on the trading account,
Then further determine that and currently whether start the near field communication (NFC) function of mobile terminal, if currently having had been turned on the near of mobile terminal
Field communication function, then dodge the input frame that the pattern of paying opens ejection bank card password in interface, for described in user input described
The corresponding bank card password of bank card account, is then uploaded to the bank card password after encryption as confirmation unlatching request described
Cloud dodges pays platform, and so that the cloud dodges the bank that bank card password after encryption is forwarded to platform the bank card account association is paid
Veritified in backstage, and received the veritification result of the bank backstage feedback, when veritification result passes through for veritification, you can open
Pattern is paid in the sudden strain of a muscle for opening mobile terminal, equivalent to when sudden strain of a muscle pair pattern is opened, first to the cryptographic core body of bank card account, to guarantee to hand over
It is easily safe.
It should be noted that in process of exchange, consumption/return of goods fund carries out in real time producing/turning in bank card account
Enter, trading account only as trading channel and the account for issuing Token main bodys, does not stay remaining sum, do not set password, retain clients fund
Management and transactional operation custom, while giving up the misgivings that cooperation row deposit is lost in, improve the safety of mobile payment.
2) mode two, with reference to Fig. 4, after step S32, step S30 also includes：
Step S35, if the near field communication (NFC) function of current not actuated mobile terminal, opens in interface in the pattern of paying of dodging
Eject the selection window of the near field communication (NFC) function for opening mobile terminal；
Step S36, when confirmation open command is received, starts the near field communication (NFC) function of mobile terminal.
In the present embodiment mode, if detecting the near field communication (NFC) function of current not actuated mobile terminal, the movement
Terminal directly it is described dodge pay pattern open interface in eject open mobile terminal near field communication (NFC) function selection window, by with
Family selects to confirm to open in the selection window, during the follow-up open command based on confirmation, you can start the near field of mobile terminal
Communication function.
It is appreciated that in the near field communication (NFC) function of not actuated mobile terminal, directly opening interface in the pattern of paying of dodging
The middle selection window for ejecting the near field communication (NFC) function for opening mobile terminal, moves the unlatching of the near field communication (NFC) function of terminal,
Current interface need not be again exited, enter back into the corresponding near field communication (NFC) function for arranging and starting mobile terminal in interface, be improve
The intelligent and motility that the near field communication (NFC) function of mobile terminal is opened, also improves and dodges the convenience that the pattern of paying is opened.
3) before the step of mode three, " pattern is paid in the sudden strain of a muscle for opening mobile terminal ", step S30 also includes：
Step A, when veritification result passes through for veritification, ejects the selection window that preference is arranged, so that user chooses whether
The pattern of paying of dodging is set to into common pattern；
Step B, if receiving confirmation arranges instruction, is set to common pattern, so as to rear continued access by the pattern of paying of dodging
When receiving delivery operation, directly pay a pattern using sudden strain of a muscle and paid.
In the present embodiment, be the equal of to be easy to user that preference is set, improve and dodge the motility that the pattern of paying is opened.
Further, when user is not intended that pay a pattern with sudden strain of a muscle is paid, the mobile terminal can be in the SDK institutes
In interface display X button, closed based on the X button in order to user and dodge the pattern of paying.
Further, in the present embodiment, the SDK is provided with Single Sign-On Technology Used.Ensure one entrance of client, once step on
Record, a password, have provided the user optimal the Internet+mobile payment experience.
Further, it is to pass through when bank card password is uploaded to cloud sudden strain of a muscle pair platform by the mobile terminal by the SDK
The cloud is uploaded to after rsa encryption and dodges a pair platform, it is ensured that the safety of transaction.Add when a cloud sudden strain of a muscle pair platform receives RSA
After bank card password after close, then 3DES (Triple DES, Triple Data are carried out to the bank card password after rsa encryption
Encryption Algorithm, DEA) turn encryption, most turn at last the bank card password after encrypting be forwarded to it is described
In the bank backstage of bank card account association, carried out testing close by bank backstage, by repeatedly encryption, it is ensured that mobile payment process
Safety.
Further, in the present embodiment, the mobile terminal dodges a pair platform and sends in communication process/receive with the cloud
Data message, signature/sign test is carried out by preset-key information, with ensure communicate safety, be the equal of to adopt HTTPS
Communications protocol, by agreement data key message signature/sign test is carried out, and prevents from distorting, it is ensured that transmission safety.
In this programme, using the technical scheme of SDK in APP, bank is met into the mobile payment service of Unionpay with SDK's
Form is embedded in the Bank application of mobile phone, while the I class account that cloud is dodged the II class account and bank of paying platform foundation is bound
Get through, the client of bank can enjoy cloud and dodge the mobile payment service for paying that platform and money pool are provided by Bank application.
By the Joint Account pattern of this innovation, do not change the original contact channel of client, do not change client to oneself
Original account fund management custom, it is real real without the need for extra login user and payment cipher without the need for other APP of additional downloads
The mobile payment service of existing " client, entrance, password, safe and efficient ".The SDK in APP technical sides of innovation
Case, reduces the integration cost of bank, and for client advanced, safely and conveniently mobile payment experience is provided.
The method of mobile payment that the present embodiment is proposed, integrated cloud dodges and pays platform association in the Bank application of mobile terminal
SDK, when sudden strain of a muscle pair pattern unlatching request is received in the SDK places interface of the Bank application, first determines the easy account of grade separation yet to be built
The bank card account at family, then the cloud that the bank card account for determining reports to the SDK associations is dodged and pays platform, for institute
State a cloud sudden strain of a muscle pair platform to set up trading account based on the bank card account and feed back the trading account, dodge the cloud is being received
When paying the trading account of platform feedback, display reminding interface, and please by being opened based on the confirmation of prompting interface input
Ask transmission to dodge to the cloud and pay platform, so that the cloud dodges to pay platform and open the pattern of paying is dodged, pattern is paid in the sudden strain of a muscle for being based ultimately upon unlatching
Perform delivery operation.SDK of this programme in Bank application is opened and is dodged the pattern of paying, you can realize mobile payment, without the need for downloading
Third-party application, without the need for extra login user and payment cipher, not only the overall flow of mobile payment is more convenient, safety
Height, payment amount is also unrestricted, also improves the overall income of bank.
The present invention further provides a kind of mobile payment device based on SDK.
With reference to Fig. 5, Fig. 5 is the high-level schematic functional block diagram of mobile payment device device first embodiment of the present invention.
It is emphasized that it will be apparent to those skilled in the art that functional block diagram shown in Fig. 5 is only one preferably real
The exemplary plot of example is applied, those skilled in the art can be carried out easily new around the functional module of the mobile payment device shown in Fig. 5
Functional module supplement；The title of each functional module is self-defined title, is only used for aiding in understanding the mobile payment device
Each program function block, is not used in restriction technical scheme, and the core of technical solution of the present invention is, each self-defined title
The function to be reached of functional module.
In the present embodiment, the mobile payment device is applied to mobile terminal, in the Bank application of the mobile terminal
Integrated cloud dodges the SDK for paying platform association, and the mobile payment device includes：
Determining module 10, when dodging the pattern of paying unlatching request for receiving in the SDK places interface of the Bank application,
Determine the bank card account of vertical trading account yet to be built；
Reporting module 20, the cloud for the bank card account for determining to be reported to the SDK associations dodges pays platform, with
Pair platform being dodged for the cloud, trading account is set up based on the bank card account, and it is whole to the movement to feed back the trading account
End；
Processing module 30, for when receiving the cloud and dodging the trading account for paying platform feedback, display reminding circle
Face, and will ask to send to the cloud to dodge to pay platform based on the confirmation unlatching of prompting interface input, for cloud sudden strain of a muscle pair
Platform is opened and dodges the pattern of paying；
Payment module 40, for paying pattern based on the sudden strain of a muscle opened delivery operation is performed.
In the present embodiment, first cloud integrated in the Bank application of mobile phone dodges the SDK for paying platform, so as to the mobile terminal
The cloud is accessed by the SDK and dodges a pair platform.Certainly, to the integrated SDK in the Bank application, the Bank application is needed
An entrance is provided for SDK, according to the entrance, you can the integrated SDK in the Bank application.In the present embodiment, cloud
Dodge and pay described in platform development during SDK, to the SDK using the service of reinforcing, carry out Code obfuscation, increase inversely cracks difficulty.Together
When, the Bank application must be registered in the cloud dodges pair platform, could use the SDK, to ensure subsequent movement
The safety paid.
The present invention is preferably the cloud sudden strain of a muscle pair platform that bank opens up it should be noted that the cloud dodges pair platform, also, cloud dodges
Pay the corresponding bank of platform different from the corresponding bank of Bank application.The cloud dodges to pay the corresponding bank of platform and be preferably and possesses elder generation
Enter the bank of technology, the corresponding bank of the Bank application is preferably the cooperative bank of not concrete advanced technology, so, so that it may
Dodged with the cloud provided by bank and pay platform, for cooperative bank mobile payment service is provided.Therefore, the present invention is the equal of to provide
A kind of innovative technology modality for co-operation based on SaaS+, by the leading S＆T business incubator of bank, risk management ability, mobile payment
Ability is exported to cooperative bank, and power-assisted cooperative bank accelerates mobile payment paces, and is area by technology connection, mutual supplement with each other's advantages
The client of Yu Xing banks provides more advanced, safely and conveniently consumption and payment service, practices the value of general favour finance.
The following is the concrete module that mobile payment is done step-by-step in the present embodiment：
Wherein, the determining module 10, opens for receiving a sudden strain of a muscle pair pattern in the SDK places interface of the Bank application
When opening request, the bank card account of vertical trading account yet to be built is determined；
When User logs in Bank application, click on SDK and dodge and pay an entrance, into the SDK interface when, you can enjoy Yun Shanfu
The mobile payment service that platform is provided with money pool.It should be appreciated that when user uses first, needing cloud to dodge and paying platform
Open trading account, due to the present embodiment in, be that cloud dodges and pays platform and money pool and provide mobile payment service, therefore, cloud dodges
Paying the trading account opened of platform needs to be bound with the bank card account of Bank application.Wherein, the trading account is II
Class account (i.e. Joint Account), the bank card account is I class account, and the I class account is referred to by traditional bank cabinet face
Account opening, meeting all strict demands of system of real name, and II class account be can not access cash, can not be to unbundling account
The account that family is transferred accounts.
When in the present embodiment, into the interface of the SDK, the interface display of the SDK is opened an account interface, determining module 10
Based on the interface of opening an account, the bank card account of vertical trading account yet to be built is determined.
Specifically, with reference to Fig. 6, the determining module 10 includes：
Jump-transfer unit 11, when dodging the pattern of paying unlatching request for receiving in the SDK places interface of the Bank application,
The selection interface of bank card account is jumped to, so that user selects bank card account；
Processing unit 12, for the bank card account that selects user as vertical trading account yet to be built bank card account.
That is, when sudden strain of a muscle pair pattern unlatching request is received in the SDK places interface of the Bank application, redirecting list
Unit 11 first jumps to the selection interface of bank card account, so that user selects bank card account, after user selects to complete, and place
Bank card account of the bank card account that reason unit 12 selects user as vertical trading account yet to be built.
Wherein, the reporting module 20, the cloud for the bank card account for determining to be reported to the SDK associations dodges
Platform is paid, trading account is set up based on the bank card account so that the cloud dodges a pair platform, and feed back the trading account extremely
The mobile terminal；
That is, after the bank card account that the determining module 10 determines vertical trading account yet to be built, reporting module 20 will be true
The fixed bank card account is dodged by the cloud that the SDK reports to the SDK associations pays platform, and so that the cloud dodges platform is paid
Trading account is set up based on the bank card account, and feeds back the trading account to the mobile terminal.
It should be noted that the cloud dodges a pair platform not only can set up trading account, also including data distribution, Token
The functions such as (token) management, key management, risk control, business monitoring, and personal data download, Token are externally provided
Life cycle management and go marking etc. service.
Wherein, the processing module 30, for when the trading account of the cloud sudden strain of a muscle pair platform feedback is received, showing
Show prompting interface, and will ask to send to the cloud to dodge to pay platform based on the confirmation unlatching of prompting interface input, for institute
State cloud and dodge to pay platform and open and dodge the pattern of paying；
Payment module 40, for paying pattern based on the sudden strain of a muscle opened delivery operation is performed.
That is, when the trading account of the cloud sudden strain of a muscle pair platform feedback is received, the processing module 30 is first
Display reminding interface, and user is asked to send to the cloud to dodge to pay platform based on the confirmation unlatching of prompting interface input,
A pair pattern is dodged so that the cloud dodges to pay platform and open, the final payment module 40 is paid pattern execution and pays behaviour based on the sudden strain of a muscle opened
Make.In the present embodiment, the preferred sudden strain of a muscle opened pays model application in the hce clouds of near-field communication pay, therefore, the payment module
40 pay pattern execution delivery operation based on the sudden strain of a muscle opened is actually：Sensing charge eventually by preset near field communications chip
When holding such as POS (point of sale, point-of-sale terminal) machine, when sensing the mobile terminal by POS, according to user's reality
Spending amount show the amount of money in the display interface of POS, and information is exported, to point out user input to pay the bank
The corresponding payment cipher of card account, when POS receives the payment cipher after encryption, by the payment after bank card information and encryption
Password sends to bank backstage and carries out operation of deducting fees.
In the present embodiment, the processing module 30 opens the embodiment of sudden strain of a muscle pair pattern to be included：
1) mode one, reference Fig. 7, the processing module 30 includes：
Display unit 31, for showing that dodging the pattern of paying opens interface based on the trading account；
Determining unit 32, for determining whether to start the near field communication (NFC) function of mobile terminal；
Unit 33 is ejected, if the near field communication (NFC) function for currently having had been turned on mobile terminal, described the pattern of paying is dodged
The input frame that bank card password is ejected in interface is opened, for the corresponding bank card password of bank card account described in user input；
Uploading unit 34, for the bank card password after encryption to be uploaded to into the cloud a pair platform is dodged, for cloud sudden strain of a muscle
Pay platform the bank card password after encryption is forwarded in the bank backstage of bank card account association and veritified, and receive
The veritification result of the bank backstage feedback, when veritification result passes through for veritification, pattern is paid in the sudden strain of a muscle for opening mobile terminal.
In the present embodiment mode, display unit 31 first shows that sudden strain of a muscle is paid pattern and opens interface based on the trading account, so
Afterwards determining unit 32 further determines that and currently whether start the near field communication (NFC) function of mobile terminal, if currently having had been turned on movement
The near field communication (NFC) function of terminal, then eject unit 33 and dodge the input that the pattern of paying opens ejection bank card password in interface described
Frame, for the corresponding bank card password of bank card account described in user input, then uploading unit 34 is by the bank card after encryption
Password opens request and is uploaded to the cloud sudden strain of a muscle pair platform as confirmation, so that the cloud dodges pair platform by bank card after the encryption
Password is forwarded in the bank backstage of the bank card account association and is veritified, and receives the veritification of the bank backstage feedback
As a result, when veritification result passes through for veritification, you can pattern is paid in the sudden strain of a muscle for opening mobile terminal, and equivalent in unlatching a pair pattern is dodged
When, first to the cryptographic core body of bank card account, to guarantee transaction security.
It should be noted that in process of exchange, consumption/return of goods fund carries out in real time producing/turning in bank card account
Enter, trading account only as trading channel and the account for issuing Token main bodys, does not stay remaining sum, do not set password, retain clients fund
Management and transactional operation custom, while giving up the misgivings that cooperation row deposit is lost in, improve the safety of mobile payment.
2) mode two, reference Fig. 8, the processing module 30 also includes start unit 35：
The ejection unit 33, if being additionally operable to the near field communication (NFC) function of current not actuated mobile terminal, pays in described sudden strain of a muscle
Pattern opens the selection window that the near field communication (NFC) function for opening mobile terminal is ejected in interface；
The start unit 35, for when confirmation open command is received, starting the near field communication (NFC) function of mobile terminal.
In the present embodiment mode, if detecting the near field communication (NFC) function of current not actuated mobile terminal, the ejection
Unit 33 directly ejects the selection window of the near field communication (NFC) function for opening mobile terminal in pattern unlatching interface is paid in the sudden strain of a muscle, by
User selects to confirm to open in the selection window, when the follow-up start unit 35 is based on open command is confirmed, you can open
The near field communication (NFC) function of dynamic mobile terminal.
It is appreciated that in the near field communication (NFC) function of not actuated mobile terminal, directly opening interface in the pattern of paying of dodging
The middle selection window for ejecting the near field communication (NFC) function for opening mobile terminal, moves the unlatching of the near field communication (NFC) function of terminal,
Current interface need not be again exited, enter back into the corresponding near field communication (NFC) function for arranging and starting mobile terminal in interface, be improve
The intelligent and motility that the near field communication (NFC) function of mobile terminal is opened, also improves and dodges the convenience that the pattern of paying is opened.
3) mode three, the processing module 30 also include setting unit：
The ejection unit 33, is additionally operable to, when veritification result passes through for veritification, eject the selection window that preference is arranged, with
Choose whether for the pattern of paying of dodging to be set to common pattern for user；
The setting unit, if confirming to arrange instruction for receiving, by the pattern of paying of dodging common pattern is set to,
During subsequently received delivery operation, directly to pay a pattern using sudden strain of a muscle and being paid.
In the present embodiment, be the equal of to be easy to user that preference is set, improve and dodge the motility that the pattern of paying is opened.
Further, when user is not intended that pay a pattern with sudden strain of a muscle is paid, can close in SDK places interface display
Button is closed, is closed based on the X button in order to user and is dodged the pattern of paying.
Further, in the present embodiment, the SDK is provided with Single Sign-On Technology Used.Ensure one entrance of client, once step on
Record, a password, have provided the user optimal the Internet+mobile payment experience.
Further, when the bank card password is uploaded to cloud sudden strain of a muscle pair platform by the uploading unit 34 by the SDK,
It is to upload to the cloud after rsa encryption to dodge a pair platform, it is ensured that the safety of transaction.Receive when the cloud dodges a pair platform
After bank card password after rsa encryption, then 3DES (Triple DES, Triple are carried out to the bank card password after rsa encryption
Data Encryption Algorithm, DEA) turn encryption, the bank card password forwarding after encrypting most is turned at last
Into the bank backstage of bank card account association, carried out testing close by bank backstage, by repeatedly encryption, it is ensured that mobile
The safety of the process of paying.
Further, in the present embodiment, the mobile terminal dodges a pair platform and sends in communication process/receive with the cloud
Data message, signature/sign test is carried out by preset-key information, with ensure communicate safety, be the equal of to adopt HTTPS
Communications protocol, by agreement data key message signature/sign test is carried out, and prevents from distorting, it is ensured that transmission safety.
In this programme, using the technical scheme of SDK in APP, bank is met into the mobile payment service of Unionpay with SDK's
Form is embedded in the Bank application of mobile phone, while the I class account that cloud is dodged the II class account and bank of paying platform foundation is bound
Get through, the client of bank can enjoy cloud and dodge the mobile payment service for paying that platform and money pool are provided by Bank application.
By the Joint Account pattern of this innovation, do not change the original contact channel of client, do not change client to oneself
Original account fund management custom, it is real real without the need for extra login user and payment cipher without the need for other APP of additional downloads
The mobile payment service of existing " client, entrance, password, safe and efficient ".The SDK in APP technical sides of innovation
Case, reduces the integration cost of bank, and for client advanced, safely and conveniently mobile payment experience is provided.
The mobile payment device that the present embodiment is proposed, integrated cloud dodges and pays platform association in the Bank application of mobile terminal
SDK, when sudden strain of a muscle pair pattern unlatching request is received in the SDK places interface of the Bank application, first determines the easy account of grade separation yet to be built
The bank card account at family, then the cloud that the bank card account for determining reports to the SDK associations is dodged and pays platform, for institute
State a cloud sudden strain of a muscle pair platform to set up trading account based on the bank card account and feed back the trading account, dodge the cloud is being received
When paying the trading account of platform feedback, display reminding interface, and please by being opened based on the confirmation of prompting interface input
Ask transmission to dodge to the cloud and pay platform, so that the cloud dodges to pay platform and open the pattern of paying is dodged, pattern is paid in the sudden strain of a muscle for being based ultimately upon unlatching
Perform delivery operation.SDK of this programme in Bank application is opened and is dodged the pattern of paying, you can realize mobile payment, without the need for downloading
Third-party application, without the need for extra login user and payment cipher, not only the overall flow of mobile payment is more convenient, safety
Height, payment amount is also unrestricted, also improves the overall income of bank.
It should be noted that herein, term " including ", "comprising" or its any other variant are intended to non-row
His property is included, so that a series of process, method, article or device including key elements not only include those key elements, and
And also include other key elements being not expressly set out, or also include for this process, method, article or device institute inherently
Key element.In the absence of more restrictions, the key element for being limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
Also there is other identical element in the process of key element, method, article or device.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal equipment (can be mobile phone, computer takes
Business device, air-conditioner, or network equipment etc.) perform method described in each embodiment of the invention.
The preferred embodiments of the present invention are these are only, the scope of the claims of the present invention is not thereby limited, it is every using this
Equivalent structure or equivalent flow conversion that bright description and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (16)
1. a kind of method of mobile payment based on SDK, is applied to mobile terminal, it is characterised in that the bank of the mobile terminal
Integrated cloud dodges the SDK SDK for paying platform association using in, and the method for mobile payment includes：
When sudden strain of a muscle pair pattern unlatching request is received in the SDK places interface of the Bank application, vertical trading account yet to be built is determined
Bank card account；
The cloud that the bank card account for determining reports to the SDK associations is dodged and pays platform, so that the cloud dodges platform base is paid
Trading account is set up in the bank card account, and feeds back the trading account to the mobile terminal；
When the trading account of the cloud sudden strain of a muscle pair platform feedback is received, display reminding interface, and will be based on the prompting
The confirmation of interface input is opened and asks to send to the cloud to dodge to pay platform, and so that the cloud dodges pair platform and opens the pattern of paying is dodged；
Pattern is paid based on the sudden strain of a muscle opened perform delivery operation.
2. method of mobile payment as claimed in claim 1, it is characterised in that the SDK places circle in the Bank application
When sudden strain of a muscle is received in face paying pattern and open request, include the step of the bank card account for determining vertical trading account yet to be built：
When sudden strain of a muscle pair pattern unlatching request is received in the SDK places interface of the Bank application, bank card account is jumped to
Selection interface, so that user selects bank card account；
Bank card account of the bank card account that user is selected as vertical trading account yet to be built.
3. method of mobile payment as claimed in claim 1, it is characterised in that described to pay platform feedback receiving the cloud and dodge
The trading account when, display reminding interface, and will be based on the prompting interface input confirmation open request send to institute
State cloud sudden strain of a muscle and pay a platform, include so that the cloud dodges to pay platform and open the step of pattern is paid in sudden strain of a muscle：
Show that dodging the pattern of paying opens interface based on the trading account；
Determine whether the near field communication (NFC) function for starting mobile terminal；
If currently having had been turned on the near field communication (NFC) function of mobile terminal, in described sudden strain of a muscle during the pattern of paying opens interface bank card is ejected
The input frame of password, for the corresponding bank card password of bank card account described in user input；
Bank card password after encryption is uploaded to into the cloud and dodges a pair platform, platform is paid by the bank after encryption so that the cloud dodges
Clip pin is forwarded in the bank backstage of the bank card account association and is veritified, and receives the core of the bank backstage feedback
Result is tested, when veritification result passes through for veritification, pattern is paid in the sudden strain of a muscle for opening mobile terminal.
4. method of mobile payment as claimed in claim 3, it is characterised in that described to determine whether to start mobile terminal
Near field communication (NFC) function the step of after, the method for mobile payment also includes：
If the near field communication (NFC) function of current not actuated mobile terminal, eject to open in pattern unlatching interface is paid in the sudden strain of a muscle and move
The selection window of the near field communication (NFC) function of terminal；
When confirmation open command is received, start the near field communication (NFC) function of mobile terminal.
5. method of mobile payment as claimed in claim 3, it is characterised in that the step of pattern is paid in the sudden strain of a muscle of the unlatching mobile terminal
Before rapid, the method for mobile payment also includes：
When veritification result passes through for veritification, the selection window that preference is arranged is ejected, so that user chooses whether to pay described sudden strain of a muscle
Pattern is set to common pattern；
If receiving confirmation arranges instruction, the pattern of paying of dodging is set to into common pattern, so as to subsequently received behaviour is paid
When making, directly pay a pattern using sudden strain of a muscle and paid.
6. method of mobile payment as claimed in claim 3, it is characterised in that be by non-when the bank card password is uploaded
The cloud is uploaded to after symmetric encipherment algorithm rsa encryption and dodges a pair platform.
7. method of mobile payment as claimed in claim 6, it is characterised in that the bank card password after rsa encryption, by institute
Stating cloud sudden strain of a muscle pair platform carries out being forwarded to after DEA 3DES turn of encryption in the bank backstage of the bank card account association.
8. the method for mobile payment as described in any one of claim 1-7, it is characterised in that the mobile terminal dodges with the cloud
The data message that platform sends in communication process/receives is paid, signature/sign test is carried out by preset-key information.
9. a kind of mobile payment device based on SDK, is applied to mobile terminal, it is characterised in that the bank of the mobile terminal
Integrated cloud dodges the SDK for paying platform association using in, and the mobile payment device includes：
Determining module, when dodging the pattern of paying unlatching request for receiving in the SDK places interface of the Bank application, it is determined that treating
Set up the bank card account of trading account；
Reporting module, the cloud for the bank card account for determining to be reported to the SDK associations dodges pays platform, for described
Cloud dodges a pair platform and sets up trading account based on the bank card account, and feeds back the trading account to the mobile terminal；
Processing module, for when receiving the cloud and dodging the trading account for paying platform feedback, display reminding interface, and will
The confirmation being input into based on the prompting interface is opened request transmission and pays platform to cloud sudden strain of a muscle, and so that the cloud dodges platform unlatching is paid
Dodge the pattern of paying；
Payment module, for paying pattern based on the sudden strain of a muscle opened delivery operation is performed.
10. mobile payment device as claimed in claim 9, it is characterised in that the determining module includes：
Jump-transfer unit, when dodging the pattern of paying unlatching request for receiving in the SDK places interface of the Bank application, jumps to
The selection interface of bank card account, so that user selects bank card account；
Processing unit, for the bank card account that selects user as vertical trading account yet to be built bank card account.
11. mobile payment devices as claimed in claim 9, it is characterised in that the processing module includes：
Display unit, for showing that dodging the pattern of paying opens interface based on the trading account；
Determining unit, for determining whether to start the near field communication (NFC) function of mobile terminal；
Unit is ejected, if the near field communication (NFC) function for currently having had been turned on mobile terminal, in the pattern of paying of dodging boundary is opened
The input frame of bank card password is ejected in face, for the corresponding bank card password of bank card account described in user input；
Uploading unit, for the bank card password after encryption to be uploaded to into the cloud a pair platform is dodged, and so that the cloud dodges a platform is paid
Bank card password after encryption is forwarded in the bank backstage of the bank card account association and is veritified, and receive the silver
The veritification result of row backstage feedback, when veritification result passes through for veritification, pattern is paid in the sudden strain of a muscle for opening mobile terminal.
12. mobile payment devices as claimed in claim 11, it is characterised in that the ejection unit, if being additionally operable to currently not
The near field communication (NFC) function of startup mobile terminal, then lead in the near field for dodging ejection unlatching mobile terminal in the pattern of paying unlatching interface
The selection window of telecommunication function；
The opening module also includes：
Start unit, for when confirmation open command is received, starting the near field communication (NFC) function of mobile terminal.
13. mobile payment devices as claimed in claim 11, it is characterised in that the ejection unit, are additionally operable to veritifying knot
When fruit passes through for veritification, the selection window that preference is arranged is ejected, so that user chooses whether to be set to the pattern of paying of dodging often
Use pattern；
The opening module also includes：
Setting unit, if confirming to arrange instruction for receiving, is set to common pattern, so as to follow-up by the pattern of paying of dodging
When receiving delivery operation, directly pay a pattern using sudden strain of a muscle and paid.
14. mobile payment devices as claimed in claim 11, it is characterised in that be to pass through when the bank card password is uploaded
The cloud is uploaded to after rsa encryption and dodges a pair platform.
15. mobile payment devices as claimed in claim 14, it is characterised in that the bank card password after rsa encryption, by
The cloud dodges pair platform to carry out being forwarded to after 3DES turn of encryption in the bank backstage of the bank card account association.
16. mobile payment devices as described in any one of claim 9-15, it is characterised in that the mobile payment device and institute
State cloud and dodge the data message that pair platform sends in communication process/receives, signature/sign test is carried out by preset-key information.
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| CN201611106045.2A CN106600266A (en) | 2016-12-05 | 2016-12-05 | Mobile payment method and apparatus based on SDK |
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| CN201611106045.2A CN106600266A (en) | 2016-12-05 | 2016-12-05 | Mobile payment method and apparatus based on SDK |
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Application publication date: 20170426 |