CN109949037A - A kind of method of payment and relevant device based on net card - Google Patents
A kind of method of payment and relevant device based on net card Download PDFInfo
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- CN109949037A CN109949037A CN201910233958.8A CN201910233958A CN109949037A CN 109949037 A CN109949037 A CN 109949037A CN 201910233958 A CN201910233958 A CN 201910233958A CN 109949037 A CN109949037 A CN 109949037A
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- 238000012011 method of payment Methods 0.000 title claims abstract description 8
- 238000012795 verification Methods 0.000 claims abstract description 119
- 238000000034 method Methods 0.000 claims abstract description 80
- 230000005540 biological transmission Effects 0.000 claims description 16
- 238000004590 computer program Methods 0.000 claims description 3
- 230000008569 process Effects 0.000 description 25
- 238000010586 diagram Methods 0.000 description 6
- 238000012545 processing Methods 0.000 description 4
- 238000010168 coupling process Methods 0.000 description 3
- 238000005859 coupling reaction Methods 0.000 description 3
- 230000006870 function Effects 0.000 description 3
- 230000006399 behavior Effects 0.000 description 2
- 230000008878 coupling Effects 0.000 description 2
- 230000007246 mechanism Effects 0.000 description 2
- 238000012360 testing method Methods 0.000 description 2
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Abstract
The embodiment of the present application discloses a kind of method of payment and relevant device based on net card, verification information for being sent by verification platform executes the judgment basis of payment as payment platform, payment verification step cumbersome in the prior art is avoided, user experience is promoted.The embodiment of the present application method includes: that payment information is sent to terminal, so that the terminal acquires the first user information, first user information includes multimedia messages；The user information that the terminal is sent is received, the user information includes first user information and second user information, and the second user information is for identifying first user information；The user information is sent to verification platform by net card interface；The verification information that the verification platform is sent is received, the verification information carries out the card generation of net results to the user information for the verification platform and obtains；If the verification information indicates that the user information is demonstrate,proved by net results, payment is executed according to the payment information.
Description
Technical field
This application involves e-payment field more particularly to a kind of methods of payment and relevant device based on net card.
Background technique
E-payment, which refers to, passes through letter payment information using safe electronic means between consumer, businessman and financial institution
It is transmitted to breath network security bank or corresponding processing mechanism, for realizing the behavior of currency payment or fund flow.
In the existing means of payment, user generally has following three kinds of means of payment, and the payment of 1. passwords exists by Brute Force
Risk, safety is lower；2. fingerprint is paid, the fingerprint letter of user terminal typing oneself in payment platform is first passed through in advance
Breath, process are cumbersome；2. brush face is paid, the face recognition information of user terminal typing oneself in payment platform is first passed through in advance,
Process is cumbersome.
However, payment process requires payment platform in advance to the verifying of user in the common means of payment of the prior art
Information is acquired, and is verified again during user pays later, the step is relatively complicated, and user experience is poor.
Summary of the invention
The embodiment of the present application provides a kind of method of payment and relevant device based on net card, by receiving verification platform hair
Whether the verification information sent executes the mode of the judgment basis of payment as payment platform, acquires payment in advance without early period
The information of user avoids payment verification step cumbersome in the prior art, promotes user experience.
The embodiment of the present application first aspect provides, and a kind of method of payment based on net card is applied to payment platform, described
Method includes:
Payment information is sent to terminal, so that the terminal acquires the first user information, first user information
Including multimedia messages；
The user information that the terminal is sent is received, the user information includes first user information and second user
Information, the second user information is for identifying first user information；
The user information is sent to verification platform by net card interface；
The verification information that the verification platform is sent is received, the verification information is that the verification platform believes the user
Breath carries out the card generation of net results and obtains；
If the verification information indicates that the user information is demonstrate,proved by net results, branch is executed according to the payment information
It pays.
Optionally, it is described payment information is sent to terminal before, the method also includes:
The registration information that the terminal is sent is received, the registration information includes second user information, the second user
Information is for identifying first user information；
Save the registration information；
After the terminal is logged in using the registration information, execution is described to be sent to terminal for payment information.
Optionally, the registration information further includes contact method, the method also includes:
If the verification information indicates that the user information does not pass through net results and demonstrate,proves, mentioned according to verification information generation
Show information；
The prompt information is sent by the contact method.
Optionally, it is described payment information is sent to terminal before, the method also includes:
Order information is obtained, it is terminal to be paid that the order information, which is used to indicate the terminal,；
Payment information is generated according to the order information.
The embodiment of the present application second aspect provides a kind of payment system based on net card, is applied to payment platform, described
System includes:
First transmission unit, for payment information to be sent to terminal, so that the terminal acquires the first user information,
First user information includes multimedia messages；
First receiving unit, the user information sent for receiving the terminal, the user information includes described first
User information and second user information, the second user information is for identifying first user information；
Second transmission unit, for the user information to be sent to verification platform by net card interface；
Second receiving unit, the verification information sent for receiving the verification platform, the verification information are described test
Card platform carries out the card generation of net results to the user information and obtains；
Payment unit, if indicating that the user information is demonstrate,proved by net results for the verification information, according to the branch
It pays information and executes payment.
Optionally, the system also includes:
Third receiving unit, the registration information sent for receiving the terminal, the registration information includes second user
Information, the second user information is for identifying first user information；
Storage unit, for saving the registration information；
Execution unit, for after the terminal is logged in using the registration information, execution is described to send out payment information
It send to terminal.
Optionally, the registration information further includes contact method, the system also includes:
First generation unit, if indicating that the user information does not pass through net results and demonstrate,proves for the verification information, basis
The verification information generates prompt information；
Third transmission unit, for sending the prompt information by the contact method.
Optionally, the system also includes:
Acquiring unit, for obtaining order information, it is terminal to be paid that the order information, which is used to indicate the terminal,；
Second generation unit, for generating payment information according to the order information.
The embodiment of the present application third aspect provides a kind of server, comprising:
Processor, memory, input-output equipment and bus；
The processor, memory, input-output equipment are connected with the bus respectively；
The processor is used to execute the method as described in any one of preceding method embodiment.
The embodiment of the present application fourth aspect provides a kind of computer readable storage medium, is stored thereon with computer journey
Sequence is realized when the computer program is executed by processor such as the step of any one of preceding method embodiment the method.
As can be seen from the above technical solutions, the embodiment of the present application, which has the advantage that, is sent to terminal for payment information,
So that the terminal acquires the first user information, first user information includes multimedia messages；Receive the terminal hair
The user information sent, the user information include first user information and second user information, the second user information
For identifying first user information；The user information is sent to verification platform by net card interface；It is tested described in reception
The verification information that platform is sent is demonstrate,proved, the verification information is that the verification platform carries out the card generation of net results to the user information
It obtains；If the verification information indicates that the user information is demonstrate,proved by net results, payment is executed according to the payment information.Its
In, the verification information carries out the card generation of net results to the user information for the verification platform and obtains, and therefore, passes through reception
Whether the verification information that verification platform is sent executes the mode of the judgment basis of payment as payment platform, pre- without early period
The information of first acquisition payment user, avoids payment verification step cumbersome in the prior art, promotes user experience.
Detailed description of the invention
Fig. 1 is an a kind of schematic diagram of the method for payment embodiment based on net card in the embodiment of the present application；
Fig. 2 is a kind of another schematic diagram of the method for payment embodiment based on net card in the embodiment of the present application；
Fig. 3 is a kind of another schematic diagram of the method for payment embodiment based on net card in the embodiment of the present application；
Fig. 4 is a kind of another schematic diagram of the method for payment embodiment based on net card in the embodiment of the present application；
Fig. 5 is an a kind of schematic diagram of the payment system embodiment based on net card in the embodiment of the present application；
Fig. 6 is an a kind of schematic diagram of server example in the embodiment of the present application.
Specific embodiment
The embodiment of the present application provides a kind of method of payment and relevant device based on net card, by receiving verification platform hair
Whether the verification information sent executes the mode of the judgment basis of payment as payment platform, acquires payment in advance without early period
The information of user avoids payment verification step cumbersome in the prior art, promotes user experience.
In order to make those skilled in the art more fully understand application scheme, below in conjunction in the embodiment of the present application
Attached drawing, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described embodiment is only
The embodiment of the application a part, instead of all the embodiments.Based on the embodiment in the application, ordinary skill people
Member's every other embodiment obtained without making creative work, all should belong to the model of the application protection
It encloses.
The description and claims of this application and term " first ", " second ", " third ", " in above-mentioned attached drawing
Four " etc. be to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should be understood that using in this way
Data be interchangeable under appropriate circumstances, so that the embodiments described herein can be in addition to illustrating herein or describing
Sequence other than appearance is implemented.In addition, term " includes " and " having " and their any deformation, it is intended that covering is non-exclusive
Include, for example, the process, method, system, product or equipment for containing a series of steps or units are not necessarily limited to clearly arrange
Those of out step or unit, but may include be not clearly listed or it is solid for these process, methods, product or equipment
The other step or units having.
E-payment, which refers to, passes through letter payment information using safe electronic means between consumer, businessman and financial institution
It is transmitted to breath network security bank or corresponding processing mechanism, for realizing the behavior of currency payment or fund flow.Existing
Have in the means of payment, user generally there are following three kinds of means of payment, and the payment of 1. passwords exists by the risk of Brute Force, safety
Property is lower；2. fingerprint is paid, the finger print information of user terminal typing oneself in payment platform is first passed through in advance, process is cumbersome；
2. brush face is paid, the face recognition information of user terminal typing oneself in payment platform is first passed through in advance, process is cumbersome.So
And in the common means of payment of the prior art, payment process requires payment platform and adopts in advance to the verification information of user
Collection is verified during user pays again later, and the step is relatively complicated, and user experience is poor.For this purpose, the application is real
It applies example and provides a kind of method of payment and relevant device based on net card, made by receiving the verification information that verification platform is sent
The mode that the judgment basis of payment whether is executed for payment platform acquires the information of payment user in advance without early period, avoids
Cumbersome payment verification step in the prior art promotes user experience.Solve payment process present in the existing means of payment
Cumbersome and unsafe problem, now based on net card identification payer whether be user ability, provide it is a kind of more just
Just, fast, the safe means of payment.
In order to make it easy to understand, the detailed process in the embodiment of the present application is described below, referring to Fig. 1, the application
It is a kind of in embodiment to include: based on the one embodiment for netting the method for payment demonstrate,proved
101, payment information is sent to terminal；
In the present embodiment, payment information is sent to terminal by payment platform, so that the terminal acquires the first user letter
Breath, first user information includes multimedia messages.
Specifically, the payment platform in the present embodiment and subsequent embodiment can be merchant terminal, it is also possible to third party
Payment terminal (such as wechat, Alipay, cloud sudden strain of a muscle pair etc.), can also be other similar payment platforms, herein without limitation.
Payment information is sent to corresponding terminal by the payment platform, and the specific payment information may include the amount of money to be paid, consumable item
The either other payment informations of mesh, herein without limitation.The terminal is user terminal, and user terminal is receiving payment platform
After the payment information of transmission, the first user information is acquired with regard to use information acquisition equipment, which includes
Multimedia messages, specific multimedia messages other than it can be image either video, can also increase audio and exist herein
Wherein as the implementation for reinforcing verifying.
102, the user information that the terminal is sent is received；
In the present embodiment, which receives the user information that the terminal is sent, and the user information includes described
First user information and second user information, the second user information is for identifying first user information.
Specifically, which receives the user information of user terminal transmission, wherein user information may include the
One user information and second user information, the second user information is for identifying first user information, in the specific reality of scheme
During applying, second user information specifically also refer to the ID card No. of user, user identity card above photo letter
It ceases or other can be used for the information of net results card, specifically herein without limitation.
103, the user information is sent to verification platform by net card interface；
In the present embodiment, which is sent to verification platform by net card interface for the user information.
Specifically, which is sent to verification platform by net card interface for the user information that step 102 receives,
Herein, which is the data platform demonstrate,proved for net results.
104, the verification information that the verification platform is sent is received；
In the present embodiment, which receives the verification information that the verification platform is sent, and the verification information is institute
State verification platform to the user information carry out net results card generate obtain.
Specifically, the verification platform itself exist net card database, receive payment platform transmission user information it
Afterwards, it is inquired in net card database, whether verifying second user information matches with the first user information, and matching result is raw
At verification information, the verification information is back to payment platform later.
If 105, the verification information indicates that the user information is demonstrate,proved by net results, executed according to the payment information
Payment.
In the present embodiment, when payment platform determines the use that the verification information instruction step 102 that step 104 receives receives
When family information is demonstrate,proved by net results, then payment process is executed according to the payment information according to normal process.Specifically, it can be
Completion payment of deducting fees is carried out by the corresponding electronic account of the user information, including wechat, Alipay, cloud dodge and pay either bank
Card etc..
In the present embodiment, payment information is sent to terminal, so that the terminal acquires the first user information, described the
One user information includes multimedia messages；The user information that the terminal is sent is received, the user information includes described first
User information and second user information, the second user information is for identifying first user information；The user is believed
Breath is sent to verification platform by net card interface；The verification information that the verification platform is sent is received, the verification information is institute
State verification platform to the user information carry out net results card generate obtain；If the verification information indicates that the user information is logical
Net results card is crossed, then payment is executed according to the payment information.Wherein, the verification information is the verification platform to the use
Family information carries out the card generation of net results and obtains, therefore, by receiving the verification information of verification platform transmission as payment platform
Whether execution payment judgment basis mode, without early period in advance acquire pay user information, avoid the prior art
In cumbersome payment verification step, promote user experience.
Based on embodiment described in Fig. 1, payment information is sent to end in the process of implementation, in step 101 by concrete scheme
Before end, there can also be the registration process of terminal.This process will be described in detail below, referring to Fig. 2, based on figure
1 embodiment, in the embodiment of the present application in a kind of another embodiment of the method for payment based on net card, step 101 it
Before, method can also include:
201, payment platform receives the registration information that the terminal is sent；
In the present embodiment, payment platform receives the registration information that the terminal is sent, and the registration information includes the second use
Family information, the second user information is for identifying first user information.
Specifically, terminal is before payment platform carries out delivery operation, the mistake that can first be registered in the payment platform
Journey.In the registration process, it can be and registration information is sent to payment platform, the specific registration information includes second user letter
Breath, the second user information is for identifying first user information, in the specific implementation process of scheme, second user information tool
Body also refer to the ID card No. of user, user identity card above photographic intelligence either other can be used for net results
The information of card, specifically herein without limitation.
202, the registration information is saved；
In the present embodiment, payment platform saves the registration information, so that subsequent user terminal can be according to this
Registration information logs on to the payment platform.
203, after the terminal is logged in using the registration information, execution is described to be sent to terminal for payment information.
In the present embodiment, which can be used step 201 endpoint to register information and completes on payment platform
Landfall process, after completing to log in, payment platform can execute the process of step 101, that is, execute and be sent to payment information
Terminal.
Based on embodiment described in Fig. 2, specifically, receiving in the registration information that terminal is sent in step 201 can also be wrapped
The mode of being related is included, such as phone number, email address or other social accounts for can be user etc., in addition, in addition to
Except these electronic contact addresses, it can also be the contact methods such as home address, the CompanyAddress of user, do not limit herein specifically
It is fixed.Referring to Fig. 3, based on embodiment described in Fig. 2, a kind of another reality of the method for payment based on net card in the embodiment of the present application
It applies in example, specifically after the verification information that step 104 receives that the verification platform is sent, this method can also include:
If 301, the verification information indicates that the user information does not pass through net results and demonstrate,proves, raw according to the verification information
At prompt information；
In the present embodiment, specific terminal may include user in the registration information that step 201 is sent to payment platform
Contact method, at this point, when the payment platform is after step 104 receives the verification information that the verification platform is sent, if hair
Now verification information instruction user information does not pass through net results and demonstrate,proves, then generates prompt information according to the verification information.Wherein, should
Prompting message is used to indicate the verification result, in the implementation process of scheme, may be used to indicate that and user is reminded to check registration
The others prompting message such as information, specifically herein without limitation.
302, the prompt information is sent by the contact method.
In the present embodiment, which passes through the prompt information that step 301 generates the connection that step 201 acquires
Mode is sent, so that user can acquire the prompt information by the contact method, is carried out subsequent verification, is repaired
Change the operation such as registration information.
Based on embodiment described in Fig. 1 to Fig. 3, in the specific implementation process of scheme, specific steps 101 send out payment information
It send to terminal before executing, there are the processes that one generates payment information for payment platform, below by specific implementation
Example illustrates.Referring to Fig. 4, based on embodiment described in Fig. 1 to Fig. 3, a kind of payer based on net card in the embodiment of the present application
In another embodiment of method, specifically before step 101, this method can also include:
401, order information is obtained；
In the present embodiment, payment platform obtains order information, and it is to be paid that the order information, which is used to indicate the terminal,
Terminal.Specifically, payment platform is available to generate the order information sent to the terminal oneself, it is also possible to other terminals hair
That send pays out the order information paid, i.e. other terminals are intended to the order information generated using the function that other people pay out, specifically exists
Herein, it is terminal to be paid which, which is used to indicate the terminal,.
402, payment information is generated according to the order information.
In the present embodiment, the order information generation payment information which acquires according to step 401, and
After this, step 101 can be executed by payment information and be sent to terminal and subsequent correlation step.
The application is described from the angle of method above, below from the angle of virtual bench to the embodiment of the present application
One of based on net card payment system be introduced.Referring to Fig. 5, a kind of payment based on net card in the embodiment of the present application
One embodiment of system includes:
First transmission unit 501, for payment information to be sent to terminal, so that the terminal acquires the first user letter
Breath, first user information includes multimedia messages；
First receiving unit 502, the user information sent for receiving the terminal, the user information include described the
One user information and second user information, the second user information is for identifying first user information；
Second transmission unit 503, for the user information to be sent to verification platform by net card interface；
Second receiving unit 504, the verification information sent for receiving the verification platform, the verification information is described
Verification platform carries out the card generation of net results to the user information and obtains；
Payment unit 505, if indicating that the user information is demonstrate,proved by net results for the verification information, according to
Payment information executes payment.
In the present embodiment, the first transmission unit 501, for payment information to be sent to terminal, so that the terminal is adopted
Collect the first user information, first user information includes multimedia messages；First receiving unit 502, for receiving the end
The user information sent is held, the user information includes first user information and second user information, the second user
Information is for identifying first user information；Second transmission unit 503, for the user information to be passed through net card interface hair
It send to verification platform；Second receiving unit 504, the verification information sent for receiving the verification platform, the verification information
The card generation of net results is carried out to the user information for the verification platform to obtain；Payment unit 505, if believing for the verifying
Breath indicates that the user information is demonstrate,proved by net results, then executes payment according to the payment information.Wherein, the verification information is
The verification platform carries out the card generation of net results to the user information and obtains, and therefore, passes through and receives testing for verification platform transmission
Whether card information executes the mode of the judgment basis of payment as payment platform, acquires payment user's in advance without early period
Information avoids payment verification step cumbersome in the prior art, promotes user experience.
As a preferred embodiment, the system also includes:
Third receiving unit 506, the registration information sent for receiving the terminal, the registration information include the second use
Family information, the second user information is for identifying first user information；
Storage unit 507, for saving the registration information；
Execution unit 508, for executing described by payment information after the terminal is logged in using the registration information
It is sent to terminal.
As a preferred embodiment, the registration information further includes contact method, the system also includes:
First generation unit 509, if indicating that the user information does not pass through net results and demonstrate,proves for the verification information, root
Prompt information is generated according to the verification information；
Third transmission unit 510, for sending the prompt information by the contact method.
As a preferred embodiment, the system also includes:
Acquiring unit 511, for obtaining order information, it is end to be paid that the order information, which is used to indicate the terminal,
End；
Second generation unit 512, for generating payment information according to the order information.
The payment platform in the embodiment of the present application is described from the angle of entity apparatus below, referring to Fig. 6, this Shen
Please one embodiment of payment platform include: in embodiment
The payment platform 600 can generate bigger difference because configuration or performance are different, may include one or one
It the above central processing unit (centralprocessing units, CPU) 601 (for example, one or more processors) and deposits
Reservoir 605 is stored with one or more application program or data in the memory 605.
Wherein, memory 605 can be volatile storage or persistent storage.The program for being stored in memory 605 can wrap
One or more modules are included, each module may include to the series of instructions operation in server.Further, in
Central processor 601 can be set to communicate with memory 605, and a series of fingers in memory 605 are executed on intelligent terminal 600
Enable operation.
The payment platform 600 can also include one or more power supplys 602, one or more are wired or wireless
Network interface 603, one or more input/output interfaces 604, and/or, one or more operating systems, such as
Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..
Processor 601 is specifically used for executing following steps:
Payment information is sent to terminal, so that the terminal acquires the first user information, first user information
Including multimedia messages；
The user information that the terminal is sent is received, the user information includes first user information and second user
Information, the second user information is for identifying first user information；
The user information is sent to verification platform by net card interface；
The verification information that the verification platform is sent is received, the verification information is that the verification platform believes the user
Breath carries out the card generation of net results and obtains；
If the verification information indicates that the user information is demonstrate,proved by net results, branch is executed according to the payment information
It pays.
As a preferred embodiment, it is described payment information is sent to terminal before, the method also includes:
The registration information that the terminal is sent is received, the registration information includes second user information, the second user
Information is for identifying first user information；
Save the registration information；
After the terminal is logged in using the registration information, execution is described to be sent to terminal for payment information.
As a preferred embodiment, the registration information further includes contact method, the method also includes:
If the verification information indicates that the user information does not pass through net results and demonstrate,proves, mentioned according to verification information generation
Show information；
The prompt information is sent by the contact method.
As a preferred embodiment, it is described payment information is sent to terminal before, the method also includes:
Order information is obtained, it is terminal to be paid that the order information, which is used to indicate the terminal,；
Payment information is generated according to the order information.
It is understood that the size of the serial number of above steps is not meant in the various embodiments of the application
Execution sequence it is successive, the execution of each step sequence should be determined by its function and internal logic, without coping with the embodiment of the present application
Implementation process constitute any restriction.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components
It can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown or
The mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, the indirect coupling of device or unit
It closes or communicates to connect, can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, the technical solution of the application is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the application
Portion or part steps.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only
Memory), random access memory (RAM, RandomAccess Memory), magnetic or disk etc. are various can store journey
The medium of sequence code.
The above, above embodiments are only to illustrate the technical solution of the application, rather than its limitations；Although referring to before
Embodiment is stated the application is described in detail, those skilled in the art should understand that: it still can be to preceding
Technical solution documented by each embodiment is stated to modify or equivalent replacement of some of the technical features；And these
It modifies or replaces, the spirit and scope of each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution.
Claims (10)
1. a kind of method of payment based on net card, which is characterized in that be applied to payment platform, which comprises
Payment information is sent to terminal, so that the terminal acquires the first user information, first user information includes
Multimedia messages；
The user information that the terminal is sent is received, the user information includes first user information and second user letter
Breath, the second user information is for identifying first user information；
The user information is sent to verification platform by net card interface；
Receive the verification information that the verification platform is sent, the verification information be the verification platform to the user information into
Row net results card, which generates, to be obtained；
If the verification information indicates that the user information is demonstrate,proved by net results, payment is executed according to the payment information.
2. the method according to claim 1, wherein it is described payment information is sent to terminal before, it is described
Method further include:
The registration information that the terminal is sent is received, the registration information includes second user information, the second user information
For identifying first user information；
Save the registration information；
After the terminal is logged in using the registration information, execution is described to be sent to terminal for payment information.
3. according to the method described in claim 2, it is characterized in that, the registration information further includes contact method, the method
Further include:
If the verification information indicates that the user information does not pass through net results and demonstrate,proves, prompt letter is generated according to the verification information
Breath；
The prompt information is sent by the contact method.
4. method according to any one of claims 1 to 3, which is characterized in that payment information is sent to terminal described
Before, the method also includes:
Order information is obtained, it is terminal to be paid that the order information, which is used to indicate the terminal,；
Payment information is generated according to the order information.
5. a kind of payment system based on net card, which is characterized in that it is applied to payment platform, the system comprises:
First transmission unit, for payment information to be sent to terminal, so that the terminal acquires the first user information, it is described
First user information includes multimedia messages；
First receiving unit, the user information sent for receiving the terminal, the user information includes first user
Information and second user information, the second user information is for identifying first user information；
Second transmission unit, for the user information to be sent to verification platform by net card interface；
Second receiving unit, the verification information sent for receiving the verification platform, the verification information are that the verifying is flat
Platform carries out the card generation of net results to the user information and obtains；
Payment unit, if indicating that the user information is demonstrate,proved by net results for the verification information, according to the disbursement letter
Breath executes payment.
6. system according to claim 5, which is characterized in that the system also includes:
Third receiving unit, the registration information sent for receiving the terminal, the registration information includes second user information,
The second user information is for identifying first user information；
Storage unit, for saving the registration information；
Execution unit, for after the terminal is logged in using the registration information, execution is described to be sent to payment information
Terminal.
7. system according to claim 6, which is characterized in that the registration information further includes contact method, the system
Further include:
First generation unit, if indicating that the user information does not pass through net results and demonstrate,proves for the verification information, according to
Verification information generates prompt information；
Third transmission unit, for sending the prompt information by the contact method.
8. according to the described in any item systems of claim 5 to 7, which is characterized in that the system also includes:
Acquiring unit, for obtaining order information, it is terminal to be paid that the order information, which is used to indicate the terminal,；
Second generation unit, for generating payment information according to the order information.
9. a kind of server characterized by comprising
Processor, memory, input-output equipment and bus；
The processor, memory, input-output equipment are connected with the bus respectively；
The processor is for executing such as the described in any item methods of Claims 1-4.
10. a kind of computer readable storage medium, is stored thereon with computer program, it is characterised in that: the computer program
It is realized when being executed by processor such as the step of any one of Claims 1-4 the method.
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