Mobile payment processing

1. A computer-implemented method for processing a payment between a payor device and a payee device comprising:

storing, by the payee device and in a secure zone of the payee device, a device certificate of the payee device responsive to determining that the secure zone of the payee device does not have the device certificate of the payee device, wherein the device certificate of the payee device is authenticated using a public key infrastructure (PKI) system;

receiving, by a third-party server and from the payee device, a request to activate a device authorization function at the payee device, wherein the request includes the device certificate of the payee device;

activating, by the third-party server based on the request, the device authorization function at the payee device to authorize the payee device to send payment related information of the payor device to the third-party server;

receiving, by the third-party server and from the payee device, identity authentication information of the payor device, wherein the identity authentication information comprises an identifier of the payor device;

generating, by the third-party server, token information corresponding to the identifier of the payor device;

sending, by the third-party server, the token information to the payee device;

in response to sending, by the third-party server, the token information to the payee device, receiving, by the third-party server and from the payee device, payment information including the token information and the identifier of the payor device, wherein the identifier of the payor device comprises a unique hardware code of the payor device; and

receiving, by the third-party server and from a financial server, a confirmation of successful completion of the payment between the payor device and the payee device if the financial server processes the payment between the payor device and the payee device successfully.

2. The computer-implemented method of claim 1 , wherein activating the device authorization function at the payee device comprises:

verifying, by the third-party server, the payee device using the device certificate of the payee device;

sending, by the third-party server, verification method information to the payee device after the third-party server verifies the payee device;

receiving, by the third-party server, verification data from the payee device, wherein the verification data is associated with the verification method information;

determining the verification data is correct; and

sending, by the third-party server, a confirmation to the payee device indicating the device authorization function of the payee device has been activated, after determining the verification data is correct.

3. The computer-implemented method of claim 2 , wherein verifying, by the third-party server, the payee device using the device certificate of the payee device comprises verifying, by the third-party server, the payee device by determining whether a device certificate corresponding to the device certificate of the payee device exists in the third-party server.

4. The computer-implemented method of claim 2 , further comprising:

obtaining, by the third-party server, account credit information corresponding to the payee device; and

determining, by the third-party server, whether the account credit information corresponding to the payee device exceeds a predetermined threshold.

5. The computer-implemented method of claim 1 , wherein the payment information includes the identifier of the payor device, an account corresponding to a payment APP running on the payee device, a payment amount corresponding to the identifier, the token information, and a device certificate of the payor device.

6. The computer-implemented method of claim 5 , further comprising:

verifying, by the third-party server, the token information and the device certificate of the payor device by determining whether the token information and the device certificate of the payor device exist in the third-party server;

in response to verifying, obtaining, by the third-party server, account information corresponding to the identifier of the payor device; and

initiating, by the third-party server, transfer of the payment amount from an account corresponding to the identifier of the payor device to the account corresponding to the payment APP running on the payee device.

7. The computer-implemented method of claim 6 , further comprising:

if the account information is not found in the third-party server, sending, by the third-party server, prompt information to the payee device to prompt a user of the payor device to provide corresponding account information.

8. A non-transitory computer-readable storage medium coupled to one or more computers and configured with instructions executable by the one or more computers to:

receive from a payee device, a request to activate a device authorization function at the payee device, wherein the request includes a device certificate of the payee device authenticated using a public key infrastructure (PKI) system;

activate, based on the request, the device authorization function at a payee device to authorize the payee device to send payment related information of a payor device to the one or more computers;

receive, from the payee device, identity authentication information of the payor device, wherein the identity authentication information comprises an identifier of the payor device;

generate token information corresponding to the identifier of the payor device;

send the token information to the payee device;

in response to sending the token information to the payee device, receive, from the payee device, payment information including the token information and the identifier of the payor device, wherein the identifier of the payor device comprises a unique hardware code of the payor device; and

receive, from a financial server, a confirmation of successful completion of processing of a payment between the payor device and the payee device if the financial server processes the payment between the payor device and the payee device successfully.

9. The non-transitory computer-readable storage medium of claim 8 , wherein activating the device authorization function at the payee device comprises:

verifying the payee device using the device certificate of the payee device;

sending verification method information to the payee device after verifying the payee device;

receiving verification data from the payee device, wherein the verification data is associated with the verification method information;

determining the verification data is correct; and

sending a confirmation to the payee device indicating the device authorization function of the payee device has been activated, after determining the verification data is correct.

10. The non-transitory computer-readable storage medium of claim 9 , wherein verifying the payee device using the device certificate of the payee device comprises verifying the payee device by determining whether a device certificate corresponding to the device certificate of the payee device exists in the one or more computers.

11. The non-transitory computer-readable storage medium of claim 9 , further configured with instructions executable by the one or more computers to:

obtain account credit information corresponding to the payee device; and

determine whether the account credit information corresponding to the payee device exceeds a predetermined threshold.

12. The non-transitory computer-readable storage medium of claim 8 , wherein the payment information includes the identifier of the payor device, an account corresponding to a payment APP running on the payee device, a payment amount corresponding to the identifier, the token information, and a device certificate of the payor device.

13. The non-transitory computer-readable storage medium of claim 12 , further configured with instructions executable by the one or more computers to:

verify the token information and the device certificate of the payor device by determining whether the token information and the device certificate of the payor device exist in the one or more computers;

in response to verifying, obtain account information corresponding to the identifier of the payor device; and

initiate transfer of the payment amount from an account corresponding to the identifier of the payor device to the account corresponding to the payment APP running on the payee device.

14. The non-transitory computer-readable storage medium of claim 13 , further configured with instructions executable by the one or more computers to:

send prompt information to the payee device to prompt a user of the payor device to provide corresponding account information, if the account information is not found in the one or more computers.

15. A system, comprising:

one or more computers; and

one or more computer-readable memories coupled to the one or more computers and configured with instructions executable by the one or more computers to:

receive, from a payee device, a request to activate a device authorization function at the payee device, wherein the request includes a device certificate of the payee device;

activate the device authorization function at the payee device to authorize the payee device to send payment related information of a payor device to the system;

receive, from the payee device, identity authentication information of the payor device, wherein the identity authentication information comprises an identifier of the payor device;

generate token information corresponding to the identifier of the payor device;

send the token information to the payee device;

in response to sending the token information to the payee device, receive, from the payee device, payment information including the token information and the identifier of the payor device, wherein the identifier of the payor device comprises a unique hardware code of the payor device; and

receive, from a financial server, a confirmation of successful completion of processing of a payment between the payor device and the payee device if the financial server processes the payment between the payor device and the payee device successfully.

16. The system of claim 15 , wherein activating the device authorization function at the payee device comprises:

verifying the payee device using the device certificate of the payee device;

sending verification method information to the payee device after verifying the payee device;

receiving verification data from the payee device, wherein the verification data is associated with the verification method information;

determining the verification data is correct; and

sending a confirmation to the payee device indicating the device authorization function of the payee device has been activated, after determining the verification data is correct.

17. The system of claim 16 , wherein verifying the payee device using the device certificate of the payee device comprises the payee device by determining whether a device certificate corresponding to the device certificate of the payee device exists in a third-party server.

18. The system of claim 16 , further configured with instructions executable by the one or more computers to:

obtain account credit information corresponding to the payee device; and

determine whether the account credit information corresponding to the payee device exceeds a predetermined threshold.

19. The system of claim 15 , wherein the payment information includes the identifier of the payor device, an account corresponding to a payment APP running on the payee device, a payment amount corresponding to the identifier, the token information, and a device certificate of the payor device.

20. The system of claim 19 , further configured with instructions executable by the one or more computers to:

verify the token information and the device certificate of the payor device by determining whether the token information and the device certificate of the payor device exist in the system;

in response to verifying, obtain account information corresponding to the identifier of the payor device; and

initiate transfer of the payment amount from an account corresponding to the identifier of the payor device to the account corresponding to the payment APP running on the payee device.