Method and system for payment through mobile devices

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

receiving a command relating to processing a payment;

generating, using an upper layer application program executing on the mobile device, a payment request based on the command, the upper layer application program relating to a script or a Hypertext Markup Language (HTML); and

sending, using the upper layer application program, the payment request to a lower layer payment program for processing, the upper layer application program relating to system code or an application programming interface (API), wherein the sending of the payment request comprises:

sending, using a transmission control protocol (TCP) or a user datagram protocol (UDP), the payment request to a localhost address of the mobile device via a predetermined port, the localhost address of the mobile device corresponding to a loopback Internet Protocol (IP) address; and

blocking the upper layer application program until feedback from the lower layer payment program has been received;

monitoring, using the lower layer payment program, the payment request sent from the localhost address of the mobile device via the predetermined port;

in response to receiving the payment request:

providing, using the lower layer payment program, an input interface for payment information in; and

receiving the input payment information;

connecting, using the lower layer payment program, with a payment and server;

passing the payment information over a network to the payment server;

transferring, using the lower layer payment program, 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, an indication of 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 a 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 command is to send a payment to a game server.

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

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

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

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

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

receive a command relating to processing a payment;

generating, using an upper layer application program executing on the mobile device, a payment request based on the command the upper layer application program relating to a script or a Hypertext Markup Language (HTML); and

send, using the upper layer application program, the payment request to a lower layer payment program for processing, the upper layer application program relating to system code or an application programming interface (API), wherein the sending of the payment request comprises:

send, using a transmission control protocol (TCP) or a user datagram protocol (UDP), the payment request to a localhost address of the mobile device via a predetermined port, the localhost address of the mobile device corresponding to a loopback Internet Protocol (IP) address; and

block the upper layer application program until feedback from the lower layer payment program has been received;

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

in response to receiving the payment request:

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

receive the input payment information;

connect, using the lower layer payment program, with a payment server;

pass the payment information over a network to the payment server;

transfer, using the lower layer payment program, 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, an indication of 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.

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

14. The system of claim 12 , wherein the lower layer payment program is a program that interacts with the mobile device's hardware platform.

15. The system of claim 12 , wherein the command is to open a purchase link of a website.

16. The system of claim 12 , wherein the command is to send a payment to a game server.

17. The system of claim 12 , wherein the payment request sent by the upper layer application program includes a plurality of parameters.

18. 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 relating to processing a payment;

generating, using an upper layer application program executing on the mobile device, a payment request based on the command, the upper layer application program relating to a script or a Hypertext Markup Language (HTML); and

sending, using the upper layer application program, the payment request to a lower layer payment program for processing, the upper layer application program relating to system code or an application programming interface (API), wherein the sending of the payment request comprises:

sending, using a transmission control protocol (TCP) or a user datagram protocol (UDP), the payment request to a localhost address of the mobile device via a predetermined port, the localhost address of the mobile device corresponding to a loopback Internet Protocol (IP) address; and

blocking the upper layer application program until feedback from the lower layer payment program has been received;

monitoring, using the lower layer payment program, the payment request sent from the localhost address of the mobile device via the predetermined port;

in response to receiving the payment request:

providing, using the lower layer payment program, an input interface for payment information in; and

receiving the input payment information;

connecting, using the lower layer payment program, with a payment server;

passing the payment information over a network to the payment server;

transferring, using the lower layer payment program, 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, an indication of whether the payment has been successfully processed.