Method and system for payment through mobile devices

• US 8,503,993 B2
• Filed: 06/02/2010
• Issued: 08/06/2013
• Est. Priority Date: 06/09/2009
• Status: Active Grant

• Current Assignee: Advanced New Technologies Company Limited (Ant Group Co., Ltd.)
• Original Assignee: Alibaba Group Holding Ltd.
• Inventors: Li, Gang
• Primary Examiner(s): Wang-Hurst, Kathy
• Assistant Examiner(s): TRAN, MONG-THUY THI
• Application Number:
  US12/802,280
• Publication Number:
  US 20100311397A1
• Time in Patent Office: 1,161 Days
• Field of Search: 455/414.1, 455/407, 705/40, 705/35
• US Class Current: 455/414.1
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: H04L 12/1403 Architecture for metering, charging or billing
• CPC Class Codes: H04L 12/1453 Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04W 4/24 Accounting or billing

Abstract

Processing payment through a mobile device includes: receiving a command; using an upper layer application program on the mobile device to generate a payment request based on the command and send the payment request to localhost address of the mobile device via a predetermined port; using a lower layer payment program on the mobile device to monitor the payment request sent from the localhost address of the mobile device via the predetermined port; in response to the payment request, using the lower layer payment program to provide an input interface for payment information in and receive the input payment information; using the lower layer payment program to connect with a payment server and pass the payment information over a network to the payment server; and using the lower layer payment program to transfer a payment processing result received from the payment server, to the upper layer application program.

Claims

1. A method for processing payment through a mobile device, comprising:

receiving a command;

using an upper layer application program on the mobile device to generate a payment request based on the command and send the payment request to localhost address of the mobile device via a predetermined port, wherein the payment request is sent via a transmission control protocol (TCP) or a user datagram protocol (UDP), and the localhost address of the mobile device is a loopback Internet Protocol (IP) address, and wherein the payment request is a Java 2 Micro Edition (J2ME) request and includes a password;

using a lower layer payment program on the mobile device to monitor the payment request sent from the localhost address of the mobile device via the predetermined port;

in response to the payment request;

using the lower layer payment program to provide an input interface for payment information in and receive the input payment information; and

processing the password by calling an encryption application programming interface (API);

using the lower layer payment program to connect with a payment server and pass the payment information over a network to the payment server; and

using the lower layer payment program to transfer a payment processing result received from the payment server, to the upper layer application program.

2. The method of claim 1, wherein the upper layer application program is a program that provides a user interface configured to interact with a user.

3. The method of claim 1, wherein the lower layer payment program is a program that interacts with the mobile device'"'"'s hardware platform.

4. The method of claim 1, wherein the command is to open a purchase link of a website.

5. The method of claim 1, wherein the command is to send a payment to a game server.

6. The method of claim 1, wherein the payment request is a Hypertext Transport Protocol (HTTP) based request.

7. The method of claim 1, wherein the payment request sent by the upper layer application program includes a plurality of parameters.

8. The method of claim 7, wherein the lower layer payment programs further performs a plurality of corresponding processes in response to the respective ones of the plurality of parameters in the payment request.

9. The method of claim 1, further includes:

blocking the upper layer application program and waiting for the feedback from the lower layer application program.

10. The method of claim 1, wherein the upper layer application program includes a web browser.

11. The method of claim 1, wherein the upper layer application program includes a game application program client.

12. The method of claim 1, wherein the lower layer payment program monitors the payment request via a daemon process.

13. The method of claim 1, wherein the upper layer application program is implemented using Java script or HyperText Markup Language (HTML).

14. A system for processing payment through a mobile device, comprising:

one or more processors coupled to an interface, configured to;

use an upper layer application program on the mobile device to generate a payment request based on a command and send the payment request to localhost address of the mobile device via a predetermined port, wherein the payment request is sent via a transmission control protocol (TCP) or a user datagram protocol (UDP), and the localhost address of the mobile device is a loopback Internet Protocol (IP) address, and wherein the payment request is a Java 2 Micro Edition (J2ME) request and includes a password;

use a lower layer payment program on the mobile device to monitor the payment request sent from the localhost address of the mobile device via the predetermined port;

in response to the payment request;

use the lower layer payment program to provide an input interface for payment information in and receive the input payment information; and

process the password by calling an encryption application programming interface (API);

use the lower layer payment program to connect with a payment server and pass the payment information over a network to the payment server; and

use the lower layer payment program to transfer a payment processing result received from the payment server, to the upper layer application program,

one or more memories coupled to the one or more processors, configured to provide the processors with instructions.

15. The system of claim 14, wherein the upper layer application program is a program that provides a user interface configured to interact with a user.

16. The system of claim 14, wherein the lower layer payment program is a program that interacts with the mobile device'"'"'s hardware platform.

17. The system of claim 14, wherein the command is to open a purchase link of a website.

18. The system of claim 14, wherein the command is to send a payment to a game server.

19. The system of claim 14, wherein the payment request sent by the upper layer application program includes a plurality of parameters.

20. The system of claim 14, the one or more processors further being configured to block the upper layer application program and wait for the feedback from the lower layer application program.

21. A computer program product for processing payment through a mobile device, the computer program product being embodied in a non-transitory computer readable storage medium and comprising computer instructions for:

receiving a command;

using an upper layer application program on the mobile device to generate a payment request based on the command and send the payment request to localhost address of the mobile device via a predetermined port, wherein the payment request is sent via a transmission control protocol (TCP) or a user datagram protocol (UDP), and the localhost address of the mobile device is a loopback Internet Protocol (IP) address, and wherein the payment request is a Java 2 Micro Edition (J2ME) request and includes a password;

using a lower layer payment program on the mobile device to monitor the payment request sent from the localhost address of the mobile device via the predetermined port;

in response to the payment request;

using the lower layer payment program to provide an input interface for payment information in and receive the input payment information; and

processing the password by calling an encryption application programming interface (API);

using the lower layer payment program to connect with a payment server and pass the payment information over a network to the payment server; and

using the lower layer payment program to transfer a payment processing result received from the payment server, to the upper layer application program.