Patent ID: 8818894

Claim:
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.