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 corresponds to a Hypertext Transfer Protocol (HTTP) based request; the payment request includes a password; 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 or a user datagram protocol; the localhost address of the mobile device is a loopback Internet Protocol address; and the sending of the payment request to be processed by the lower layer payment program comprises: blocking the upper layer application program until feedback from the lower layer application program has been received; 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 and receive the input payment information; and processing the password by calling an encryption application programming interface; 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, an indication of whether the payment has been successfully processed. 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 corresponds to a Hypertext Transfer Protocol (HTTP) based request; the payment request includes a password; 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 or a user datagram protocol; the localhost address of the mobile device is a loopback Internet Protocol address; and the sending of the payment request to be processed by the lower layer payment program comprises: blocking the upper layer application program until feedback from the lower layer application program has been received; the payment request corresponds to a Hypertext Transfer Protocol (HTTP) based request; the payment request includes a password; 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 or a user datagram protocol; the localhost address of the mobile device is a loopback Internet Protocol address; and the sending of the payment request to be processed by the lower layer payment program comprises: blocking the upper layer application program until feedback from the lower layer application program has been received; blocking the upper layer application program until feedback from the lower layer application program has been received; 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 and receive the input payment information; and processing the password by calling an encryption application programming interface; using the lower layer payment program to provide an input interface for payment information and receive the input payment information; and processing the password by calling an encryption application programming interface; 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, an indication of whether the payment has been successfully processed.