Method and system for payment through mobile devices

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

receiving a command;

using an upper layer application program executing on the mobile device to generate a payment request based on the command and send the payment request to be processed by a lower layer payment program, wherein:

the payment request is sent to a localhost address of the mobile device via a predetermined port;

the payment request is sent using a transmission control protocol (TCP) or a user datagram protocol (UDP);

the localhost address of the mobile device is a loopback Internet Protocol (IP) address; and

the sending of the payment request to be processed by the lower layer payment program comprises:

blocking the upper layer application program;

determining whether feedback has been received from the lower layer payment program; and

in the event that the feedback has been received from the lower layer payment program, unblocking the upper layer application program;

using the lower layer payment program executing 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;

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

after the upper layer application program has been unblocked, presenting to a user, using the upper layer application program, a webpage to indicate whether the payment has been successfully processed.

2. The method of claim 1 , wherein:

the payment request includes a password; and

in response to the payment request, the method further comprises processing the password by calling an encryption application programming interface (API).

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

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

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

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 , wherein the upper layer application program includes a web browser.

10. The method of claim 1 , wherein the payment server includes an Alipay server.

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

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

receive a command;

use an upper layer application program executing on the mobile device to generate a payment request based on the command and send the payment request to be processed by a lower layer payment program, wherein:

the payment request is sent to a localhost address of the mobile device via a predetermined port;

the payment request is sent using a transmission control protocol (TCP) or a user datagram protocol (UDP);

the localhost address of the mobile device is a loopback Internet Protocol (IP) address; and

the sending of the payment request to be processed by the lower layer payment program comprises:

block the upper layer application program;

determine whether feedback has been received from the lower layer payment program; and

in the event that the feedback has been received from the lower layer payment program, unblock the upper layer application program;

use the lower layer payment program executing 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;

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; and

after the upper layer application program has been unblocked, present to a user, using the upper layer application program, a webpage to indicate whether the payment has been successfully processed; and

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

12. The system of claim 11 , wherein the upper layer application program is a program that provides a user interface configured to interact with the user.

13. The system of claim 11 , wherein the lower layer payment program is a program that interacts with the mobile device's hardware platform.

14. The system of claim 11 , wherein the command is to open a purchase link of a website.

15. The system of claim 11 , wherein the payment request sent by the upper layer application program includes a plurality of parameters.

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

receiving a command;

using an upper layer application program to generate a payment request based on the command and send the payment request to be processed by a lower layer payment program, wherein:

the payment request is sent to a localhost address of the mobile device via a predetermined port;

the payment request is sent using a transmission control protocol (TCP) or a user datagram protocol (UDP);

the localhost address of the mobile device is a loopback Internet Protocol (IP) address; and

the sending of the payment request to be processed by the lower layer payment program comprises:

blocking the upper layer application program;

determining whether feedback has been received from the lower layer payment program; and

in the event that the feedback has been received from the lower layer payment program, unblocking the upper layer application program;

using the lower layer payment program 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;

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

after the upper layer application program has been unblocked, presenting to a user, using the upper layer application program, a webpage to indicate whether the payment has been successfully processed.