CN102117455A - Mobile terminal browser-based secure payment method and system - Google Patents

Abstract

The invention provides a secure payment method based on a mobile terminal browser, which comprises the following steps: s110: a secure payment control in the mobile terminal browser generates a payment label according to a payment page of a merchant WAP online store and a label specification of the payment control, or the secure payment control acquires the payment label generated by the merchant WAP online store according to the payment page and the label specification of the payment control from the merchant WAP online store; s120: the secure payment control provides payment indication information to the user according to the payment label; s130: the safety payment control generates order information according to the feedback information of the user to the payment indication information, and submits the order information to the payment channel system in a background mode; s140: the secure payment control receives a payment result from the payment channel system and requests payment confirmation information from the WAP online store in a background mode; s150: the secure payment control receives payment confirmation information from the WAP online store and displays it. The invention can simplify the operation of the user, improve the safety of the transaction and reduce the transaction cost.

Description

Mobile terminal browser-based secure payment method and system

technical field

The present invention relates to the technical field of wireless network payment security, and more specifically, to a mobile terminal browser-based secure payment method and system.

Background technique

With the maturity of the mobile Internet market, a large number of third-party WAP applications based on mobile terminal browsers have emerged on the market. Along with the continuous growth of mobile terminal Internet users whose main application is mobile phones, WAP application products are becoming more and more mature. Merchants' demand for providing users with safe and convenient payment on the website is also increasing.

At present, the payment methods that can be implemented in mobile browsers mainly include mobile online banking, payment card payment, third-party account payment, etc., but the following problems do exist in the current payment process:

Compatibility issues. At present, there are many mobile phone platforms, mobile browsers are not standard enough, and the compatibility is poor. When users access mobile online banking, it cannot be guaranteed that all mobile phone users can use it normally.

The payment process is cumbersome and the user experience is poor. For the mobile online banking payment method, the user needs to leave the consumption scene (that is, the merchant's WAP online store) and jump to the mobile online banking WAP website for login and payment processing; for payment card payment, after the user places an order in the WAP online store, he needs to The short message center of the mobile phone receives the confirmation message and sends a confirmation message to complete the payment process; the disadvantage of these payment methods is that the user needs to interact with multiple systems multiple times, which is cumbersome and error-prone.

Transaction costs are high. At present, the billing method of mobile Internet access is calculated according to the Internet traffic. Since the user needs to visit multiple systems and perform multiple web page jumps during the regular payment process, a large amount of traffic will be generated, which will increase the user's transactions virtually. cost.

The development is complex and the access cost is high. At present, third-party WAP applications need to consider security issues when accessing various charging channels, and solve encryption and signature issues in interface development.

Contents of the invention

In view of the above problems, the purpose of the present invention is to provide a mobile terminal browser-based security payment scheme.

According to one aspect of the present invention, a mobile terminal browser-based secure payment method is provided, including:

S110: The secure payment control in the mobile terminal browser generates a payment label according to the payment page of the merchant's WAP online store and the label specification of the payment control, or the secure payment control in the mobile terminal browser acquires it from the merchant's WAP online store The payment label generated by the WAP online shop of the merchant according to the label specification of the payment page and the payment control;

S120: The secure payment control provides payment instruction information to the user through the mobile terminal browser according to the payment label;

S130: The secure payment control generates order information according to user feedback on the payment instruction information, and submits the order information to the payment channel system in a background manner;

S140: After the payment channel system performs deduction payment according to the order information, the secure payment control receives the payment result from the payment channel system, feeds the payment result back to the mobile terminal browser, and sends the payment result to the mobile terminal browser in the background mode. The WAP online store requests the payment confirmation information of the WAP online store for the payment result;

S150: The secure payment control receives the payment confirmation information from the WAP online shop, and displays the payment confirmation information through a mobile terminal browser.

The present invention also provides a mobile terminal, including a browser and a security payment control integrated in the browser, the security payment control is used to respond to the user's confirmation behavior of the merchant's WAP online store payment page through the mobile terminal and the The label specification of the payment control generates a payment label, or obtains the payment label generated by the WAP online store of the merchant according to the payment page and the label specification of the payment control from the WAP online store of the merchant; The mobile terminal browser provides payment instruction information to the user, and automatically communicates with the payment channel system and the merchant's WAP online store in a background manner according to the payment label.

According to another aspect of the present invention, a secure payment system based on a mobile terminal browser is provided, including a mobile terminal, a payment channel system, and a merchant system, wherein,

A security payment control is integrated in the browser of the mobile terminal;

The secure payment control is used to generate a payment label in response to the user's confirmation of the payment page of the merchant's WAP online store through the mobile terminal and the label specification of the payment control, or to obtain the merchant's WAP from the merchant's WAP online store. The payment label generated by the online shop according to the label specification of the payment page and the payment control; according to the payment label, the user is provided with payment instruction information through the mobile terminal browser, and according to the payment label, it automatically communicates with the payment channel in the background The system communicates with the merchant's WAP online store.

Utilize above-mentioned safe payment method and system based on mobile terminal browser according to the present invention, in the process of network payment based on mobile terminal such as mobile phone, have following beneficial effect:

(1) Fast and convenient to use. Using the secure payment access scheme provided by the present invention, the user can directly click the payment button of the WAP online store, and the browser will call the payment security control, and a payment dialogue window of the corresponding payment channel will pop up, and the user can directly input the corresponding account number and password. Complete the payment process, click to complete the transaction, and immediately open the product or service webpage provided by the WAP online store; this payment process, the user does not need to leave the consumption scene, and does not need to jump multiple pages, which is very fast and convenient.

(2) Save traffic. This method does not require multiple user interactions and multiple page jumps, thus greatly reducing the traffic generated during the transaction process and saving users the cost of online shopping.

(3) Safe and efficient. The access method adopts the method of security control, and the access standard is formulated by the browser. According to the standard, the payment channel develops the corresponding security payment control and integrates it with the browser, so as to achieve a higher security level and effectively improve security of the transaction process.

(4) Development is simple. The browser will formulate a set of special paid webpage tags to support the access method of the security control. WAP online store developers only need to generate corresponding tags at the place where payment is required according to the specification of the webpage tag, which is very easy. Realized, reducing the access development cost of WAP application.

To the accomplishment of the above and related ends, one or more aspects of the invention comprise the features hereinafter described in detail and particularly pointed out in the claims. The following description and accompanying drawings detail certain exemplary aspects of the invention. These aspects are indicative, however, of but a few of the various ways in which the principles of the invention may be employed. Furthermore, the invention is intended to include all such aspects and their equivalents.

Description of drawings

By referring to the following description combined with the accompanying drawings and the contents of the claims, and with a more comprehensive understanding of the present invention, other objectives and results of the present invention will be more clear and easy to understand. In the attached picture:

Fig. 1 shows the flow chart of the safe payment method based on mobile terminal browser according to the present invention;

Fig. 2 is an example diagram of a web page style rendered by the mobile terminal browser according to the payment label in the present invention;

Fig. 3a is an example diagram of the payment deduction information page provided by the security payment control for the user in the embodiment of the present invention;

Fig. 3 b is the display example diagram of the payment result page of the WAP online shop in the mobile terminal browser in the embodiment of the present invention;

Fig. 4 is a schematic diagram of the online shopping transaction processing flow applying the present invention;

Fig. 5 is a schematic block diagram of a secure payment system based on a mobile terminal browser according to the present invention.

The same reference numerals indicate similar or corresponding features or functions throughout the drawings.

Detailed ways

In order to solve the problems of poor compatibility, cumbersome process, and high transaction costs in the prior art of the above-mentioned mobile phone browser payment method, the present invention takes the security payment control that can be integrated with the browser of the mobile terminal as a breakthrough, and eliminates the user's necessary All information interactions other than necessary user interactions such as "click to buy", "username input", "account input" and "password input" have changed from explicit manual page jumps to background interactions of secure payment controls. Through a set of security payment control access standards, cooperate with various payment channel providers to develop corresponding security payment controls.

In the online shopping transaction process, for merchants of WAP online stores, usually according to the secure payment label protocol, the corresponding deduction label is generated in the scene that needs to be deducted; for the user, in the corresponding consumption scene, click the deduction label The payment button corresponding to the fee label, the mobile terminal browser can call the integrated security payment control in the browser, open the corresponding deduction dialog box, enter the corresponding account number and password for payment, and click the confirmation button after the payment is completed. The user will enter the product or service web page provided by the WAP online store, and the transaction is completed.

In the application of the above-mentioned secure payment process of the present invention, the interactive process of payment and the communication with the payment channel system and merchants are completely controlled by the secure payment control in a background mode that the user cannot see or intervene, which not only ensures the security of the transaction Higher security, and does not require users to leave the consumption scene (that is, the merchant's WAP online store) to jump to the payment channel system (such as mobile online banking, Alipay, etc.) for login and payment processing, which simplifies the user's operation process and avoids The traffic generated by web pages jumping between multiple systems and the security development cost of each system interface.

Due to the limitation of the hardware of the mobile terminal itself and the flow of the network interface, the defects of the above-mentioned mobile phone browser in the payment method are basically not a problem in the WEB application of the PC. Therefore, the present invention is mainly aimed at the scene of the mobile terminal browser in the WAP application. However, it is not excluded that the present invention is applied to a PC browser to solve similar problems such as streamlining operation procedures and improving compatibility.

Specific embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings.

Existing payment channel systems include Alipay, mobile online banking, payment cards, third-party user payment, etc. In order to briefly and clearly illustrate the specific technical solutions of the present invention, the following will take the Alipay payment channel as an example to browse the mobile terminal based on the present invention. Although each payment channel has its own security strategy, the secure payment control of the present invention only establishes a mobile payment control through the corresponding security access interface (such as account number/password, user name/password, etc.). The background information transmission between the terminal and the payment channel system, so the different security access standards of each payment channel system will not affect the implementation of the present invention.

Fig. 1 shows a flow chart of a secure payment method based on a mobile terminal browser according to the present invention.

Similar to the usual online shopping payment process, when the user decides to shop from the merchant's WAP online store, he needs to confirm the order payment page provided by the WAP online store before entering the secure payment process. As shown in Figure 1, the safe payment method based on mobile terminal browser provided by the present invention comprises the following steps:

S110: The secure payment control in the mobile terminal browser generates a payment label according to the payment page of the merchant's WAP online store and the label specification of the payment control, or the secure payment control in the mobile terminal browser acquires it from the merchant's WAP online store The payment label generated by the WAP online shop of the merchant according to the label specification of the payment page and the payment control;

S120: The secure payment control provides payment instruction information to the user through the mobile terminal browser according to the payment label; the payment label at least includes payment channel, payment button, WAP merchant ID, product name of payment object, payment amount, and WAP merchant payment result page The URL information is used to provide the secure payment control with necessary information required for secure payment between the mobile terminal, the payment channel system and the WAP merchant. The payment instruction information provided to the user generally includes the basic information of the order (merchant name, commodity name, transaction code, transaction amount, payment channel system, etc.) and the user name, account number, password, password, etc. required for the payment channel system to deduct fees. secure access information;

S130: After the user enters information according to the payment instruction information, the secure payment control generates order information according to the user's feedback on the payment instruction information, and submits the order information to the payment channel system in the background for the payment channel system to use according to the payment instruction information. Order information for corresponding deduction processing;

S140: After the payment channel system performs deduction payment according to the order information submitted by the mobile terminal, the secure payment control receives the payment result after the deduction payment from the payment channel system, and feeds back the payment result to the mobile terminal browser to prompt the user that the payment is successful , at the same time, the secure payment control also requests the merchant's WAP online store for the payment confirmation information of the payment result in the background mode;

S150: The secure payment control receives the payment confirmation information from the WAP online shop, and displays the payment confirmation information to the user through the mobile terminal browser.

Specifically, as an example, when a user is shopping online, he first needs to visit the relevant WAP online store to purchase commodities; the WAP online store will generate an order payment page according to the user's purchase behavior, and after the user confirms the payment page, The mobile terminal invokes the label specification according to the secure payment control integrated in its browser, and generates a corresponding payment label. Alternatively, after the user confirms the payment page, the WAP online shop directly calls the label specification of the secure payment control according to the order payment page to generate a corresponding payment label, and the secure payment control of the mobile terminal directly receives the payment label. After the label specification is determined, the implementation of the present invention is not affected by which side of the network the behavior of calling the specified label specification to form the payment label is performed.

The following is an example of the content of the payment label generated according to the label specification in a specific embodiment of the application of the present invention:

In the above payment label, the meaning of each field is shown in the table below:

In this specific embodiment, the payment tag adopts the annotation mode, so that it can ensure that the webpage conforms to the XHTML standard, and at the same time, the annotation will be explained in the browser of the mobile terminal, and a corresponding payment button will be generated. The webpage shown in Figure 2 The style is an example of a web page style rendered by the browser of the mobile terminal according to the payment tag in the specific embodiment of the present invention.

As shown in Figure 2, the browser renders a webpage containing payment information for commodity purchase according to the specific field content of the payment label, which includes but is not limited to: merchant name, product name, product price, product features (model, color) , size, etc.), payment method (Alipay, bank card, cash on delivery, etc.), and a buy (or pay, pay, etc.) button or other form of payment processing link.

After the user confirms the web page of the above payment information, the secure payment control will provide the user with the corresponding information required for payment and deduction, so that the user can enter the account number, password and other information without jumping to the web page or visiting the web page of the payment channel system. Payment, after entering the corresponding information required for payment and deduction (the corresponding page example is shown in Figure 3a), the user clicks the payment button shown in Figure 3a, and the mobile terminal will communicate with the corresponding payment control through the integrated security payment control in the browser. In the embodiment shown in Fig. 2, the payment channel system is Alipay.

After completing the payment according to Alipay's secure payment control, the mobile terminal browser will automatically open the payment result page of the WAP online store through the secure payment control, and provide the user with the purchased product or service. Figure 3b shows the payment result page of the WAP online store in Display example diagram of mobile terminal browser.

Among them, after the mobile terminal browser invokes the corresponding payment channel system for payment processing through the integrated security payment control according to the behavior of the user clicking the payment button, the user does not need to perform page jumps between the merchant and the payment channel system. With the help of the secure payment control, input the payment instruction information required by the selected payment channel system and wait for the payment result page of the WAP online store. In addition, the information between the mobile terminal and the payment channel system, and between the mobile terminal and the WAP online store The interaction is completed in the background controlled by the secure payment control.

The security access information required by the secure payment control to deduct fees from the payment channel system provided by the payment label to the user can be obtained in various ways. Information input format of the payment channel system. This pre-stored information input format is generally established based on the commercial cooperation between the mobile terminal system provider or service provider and the payment channel system service provider; information input format.

Although the above-mentioned process of obtaining the payment instruction information required by the payment channel system on the mobile terminal and entering the information to complete the payment involves multiple operation pages, and needs to go through multiple links such as request and call, for the user, all the steps in the entire payment process What needs to be done is to input the corresponding information (user, account number, password, etc.) It simplifies the user's participation in the payment process, which not only improves the user's shopping experience, but also avoids the error rate in the cumbersome operation process.

The information interaction between the mobile terminal and the payment channel system, the mobile terminal and the WAP online shop controlled by the security payment control in the background includes:

The secure payment control first generates a payment label according to the payment page of the WAP online shop selected by the user, determines the payment channel system according to the payment label and establishes communication with the determined payment channel system, and then provides the user with a secure payment control through the mobile terminal browser. The payment instruction information required by the payment channel system; after the user enters information through the mobile terminal browser according to the payment instruction information, the secure payment control generates order information according to the user's information input, and submits the order information to the payment channel system for further processing. Deduction processing; the payment channel system conducts deduction payment according to the order information provided by the mobile terminal, and submits the payment result to the secure payment control in the WAP online store and the mobile terminal browser simultaneously; after receiving the payment result, the secure payment control , feed back the payment result to the mobile terminal browser, and request the payment confirmation information of the payment result from the WAP online store to the WAP online store, and finally, the browser displays the payment confirmation information returned by the merchant's WAP online store to the user.

It can be seen from the description of the above embodiments that in the present invention, the secure payment control is mainly responsible for the interactive process of payment, and communicates with the payment channel system (Alipay system in this embodiment) to complete the payment process safely and efficiently;

After completing the payment transaction, the Alipay system will notify the merchant of the payment result;

After the Alipay system completes the payment transaction, it notifies the secure payment system of the mobile terminal of the payment result.

Among them, the background mode mentioned in the above-mentioned invention only refers to the process in which the secure payment control and the payment channel system directly complete the transaction, and the user does not participate in or perceive it; the data transmission mode of the payment channel system is implemented by the channel party and has nothing to do with the present invention.

In addition, in a preferred embodiment of the present invention, in order to improve the user's understanding of the transaction payment process, when the security payment control communicates with the payment channel system and the WAP online store in the background mode, it can also be displayed with a prompt label, an information box The background communication information related to the payment communication will be displayed to the user through the mobile terminal browser in the form of prompt information. That is, when the secure payment control submits the order information to the payment channel system in the background mode, at the same time, the prompt information related to the submitted information is displayed to the user through the mobile terminal browser; When the store confirms the payment result, the prompt information related to the requested information will be displayed to the user through the browser of the mobile terminal at the same time. Prompt messages such as "The order information has been submitted to the payment channel system", "The payment channel system is verifying user information", "The payment channel system has deducted the fee successfully", "The payment confirmation information has been inquired from the merchant", etc., to make the payment process more friendly , to improve the user's online shopping experience.

At the same time, in order to facilitate the statistics and query of transaction payment information, in a preferred embodiment of the present invention, on the basis of the existing network architecture of terminal-payment channel system-merchant WAP website, a dedicated backup payment system is added. The secure payment statistics server of the result information provides data support for the needs of network operators, network service providers and other network users for business settlement and transaction statistics.

Fig. 4 is a schematic diagram of a payment process for secure payment processing in a specific embodiment of the application of the present invention for conducting online shopping transactions. As shown in Figure 4, the network architecture applying the present invention mainly includes three parties: mobile terminal, payment channel system and merchant system. The secure payment control is integrated in the browser of the mobile terminal, and the secure payment statistics server is used for mobile terminal network operators, payment The channel system and the merchant system provide data information such as commercial settlement and transaction statistics related to secure payment.

When the user uses the mobile terminal browser to browse and shop online (step S401), if the user visits a certain WAP online shop (merchant system) and places an order to purchase (step S402); Generate a payment page with a corresponding payment label (step S403);

If the user clicks the payment button in the payment page (step S404), the mobile terminal browser will trigger the call of the corresponding safe payment control according to the definition of the payment label (step S405);

The safe payment control displays a payment dialog box corresponding to the payment channel system to the user through the mobile terminal browser (step S406);

According to the prompt of the payment dialog box, the user inputs payment information such as account number and password required by the payment channel system (step S407);

The secure payment control generates order transaction information and submits it to the background system of the payment channel, such as the Alipay system (step S408);

The payment channel system completes the transaction deduction processing according to the order transaction information (step S409);

The payment channel system synchronously sends the payment result to the merchant system (step S410);

The payment channel system sends the payment result to the security payment statistics server synchronously (step S411);

The payment channel system returns the payment result to the security payment control (step S412);

The safe payment control returns the payment result to the mobile terminal browser (step S413);

The mobile terminal browser accesses the payment result display page of the merchant system, and requests the merchant system for the payment confirmation information of the payment result (step S414);

The merchant system inquires about the payment status of the order (step S415);

The merchant system generates a corresponding payment result page including payment confirmation information according to the payment status of the order (step S416);

The mobile terminal browser displays payment confirmation information to the user (step S417).

The mobile terminal browser-based secure payment method according to the present invention has been described above with reference to FIGS. 1 to 4 . The above-mentioned safe payment method based on the mobile terminal browser of the present invention can be implemented by software, hardware, or a combination of software and hardware.

Corresponding to the above-mentioned safe payment method based on the mobile terminal browser, the present invention also provides a mobile terminal integrated with a safe payment control in the browser, the safe payment control is used to respond to the relevant payment information received by the mobile terminal, and According to the relevant payment information, it automatically communicates with the payment channel system and the WAP online store of the merchant in the background mode. Wherein, the relevant payment information includes the user's confirmation behavior information on the payment label of the WAP merchant system 300, the payment result information of the payment channel system 200, and the like.

Among them, specifically, the secure payment control automatically performs the following information processing according to the relevant payment information:

Provide payment instruction information to the user according to the payment label;

Generate order information according to the user's feedback on payment instructions, and submit the order information to the payment channel system in the background;

According to the payment result of the payment channel system, request the WAP online store for the payment confirmation information of the payment result from the WAP online store in the background mode.

Fig. 5 shows a schematic diagram of the network architecture of the secure payment system based on the mobile terminal browser according to the present invention. As shown in Figure 5, the security payment system based on the mobile terminal browser of the present invention includes a mobile terminal 100, a payment channel system 200, and a merchant system 300, and a security payment control 111 is integrated in the mobile terminal browser 110, the security payment control 111 is used to generate a payment label in response to the confirmation behavior of the user on the payment page of the merchant's WAP online store and the label specification of the payment control through the mobile terminal, or obtain the payment label according to the payment page and payment control of the merchant's WAP online store from the merchant's WAP online store. The payment label generated by the label specification; according to the payment label, provide payment instruction information to the user through the mobile terminal browser, and automatically communicate with the payment channel system and the merchant's WAP online store in the background according to the payment label.

That is to say, the secure payment control in the present invention can be invoked in response to relevant payment information received by the mobile terminal 100, such as the user's confirmation behavior information on the payment label of the WAP merchant system 300, the payment result information of the payment channel system 200, etc. And the secure payment control 111 can automatically communicate with the payment channel system 200 and the merchant's WAP online store in the background according to the relevant payment information, without the user actively participating in the communication.

In a preferred embodiment of the present invention, the secure payment system based on the mobile terminal browser also includes a secure payment statistics server 400, which is used for commercial settlement between network users such as the mobile terminal 100, the payment channel system 200, and the merchant system 300. , transaction statistics and other needs to provide relevant payment information backup data support.

When the mobile phone user needs to shop through the mobile terminal (shown by arrow 1), at first the relevant WAP merchant system 300 is accessed through the mobile terminal to purchase commodities; the merchant system 300 will generate an order payment page according to the user's purchase behavior and provide it to Mobile terminal 100, when the user clicks the payment button in the order payment page, the mobile terminal browser 110 will call the corresponding payment channel system 200 through the integrated security payment control 111 in the browser to perform payment processing (shown by arrow 2), After the user enters the payment information such as the account number and password required by the payment channel system 200 through the mobile terminal 100, the order information is generated and submitted to the payment channel system 200. After the payment channel system 200 performs deduction processing according to the order information; then the payment result is synchronously sent to Merchant system 300 (shown in arrow 3), safe payment statistics server 400 (shown in arrow 4) and mobile terminal (shown in arrow 5); the payment result display page of safe payment control access merchant system 300 according to payment result, request merchant system 300 the payment confirmation information of the payment result; the merchant system generates a corresponding payment result page including the payment confirmation information according to the payment status of the order and returns it to the mobile terminal.

The mobile terminal browser-based secure payment method and system according to the present invention are described by way of example with reference to the accompanying drawings. However, those skilled in the art should understand that various improvements can be made to the method and system proposed in the present invention above without departing from the content of the present invention. Therefore, the protection scope of the present invention should be determined by the contents of the appended claims.

Claims (14)

1. A secure payment method based on a mobile terminal browser, comprising: S110: The secure payment control in the mobile terminal browser generates a payment label according to the payment page of the merchant's WAP online store and the label specification of the payment control, or the secure payment control in the mobile terminal browser acquires it from the merchant's WAP online store The payment label generated by the WAP online shop of the merchant according to the label specification of the payment page and the payment control; S 120: The secure payment control provides payment instruction information to the user through the mobile terminal browser according to the payment label; S130: The secure payment control generates order information according to user feedback on the payment instruction information, and submits the order information to the payment channel system in a background manner; S140: After the payment channel system performs deduction payment according to the order information, the secure payment control receives the payment result from the payment channel system, feeds the payment result back to the mobile terminal browser, and sends the payment result to the mobile terminal browser in the background mode. The WAP online store requests the payment confirmation information of the WAP online store for the payment result; S150: The secure payment control receives the payment confirmation information from the WAP online shop, and displays the payment confirmation information through a mobile terminal browser. 2. The safe payment method based on mobile terminal browser as claimed in claim 1, wherein, The payment tag at least includes the payment channel, the payment button, the WAP merchant ID, the product name of the payment target, the payment amount, and the URL of the WAP merchant payment result page. 3. The safe payment method based on mobile terminal browser as claimed in claim 1, wherein, In step S130, when the secure payment control submits the order information to the payment channel system in the background mode, it simultaneously displays prompt information related to the submitted information to the user through the browser of the mobile terminal. 4. The secure payment method based on a mobile terminal browser as claimed in claim 1, wherein, in step S140, when the secure payment control requests the WAP online store to the WAP online store in a background mode for the When receiving the payment confirmation information of the payment result, at the same time, the prompt information related to the request information will be displayed to the user through the browser of the mobile terminal. 5. The mobile terminal browser-based safe payment method according to claim 1, wherein, after the payment channel system in step S140 carries out deduction payment according to the order information, the payment result information is sent to the said payment result information synchronously. The WAP online store and the mobile terminal. 6. The secure payment method based on a mobile terminal browser as claimed in claim 4, wherein, after the payment channel system in step S140 carries out deduction payment according to the order information, the payment result information is sent to the second party synchronously. Three-party server for backup. 7. The safe payment method based on mobile terminal browser as claimed in claim 1, wherein, The payment instruction information includes user name, account number and password. 8. The safe payment method based on mobile terminal browser as claimed in claim 1, wherein, The payment channel system is Alipay, a bank or a third-party user. 9. A mobile terminal, comprising a browser and a secure payment control integrated in the browser, the secure payment control is used to respond to the confirmation behavior of the user through the mobile terminal to the payment page of the merchant's WAP online store and the payment The tag specification of the control generates a payment label, or obtains the payment label generated by the WAP online store of the merchant according to the payment page and the label specification of the payment control from the WAP online store of the merchant; The terminal browser provides payment instruction information to the user, and automatically communicates with the payment channel system and the merchant's WAP online store in a background mode according to the payment label. 10. The mobile terminal of claim 9, wherein: The payment tag at least includes the payment channel, the payment button, the WAP merchant ID, the product name of the payment target, the payment amount, and the URL of the WAP merchant payment result page. 11. The mobile terminal according to claim 9, wherein the secure payment control providing payment instruction information to the user according to the payment label; generating order information according to user feedback on the payment instruction information, and submitting the order information to the payment channel system in a background manner; and Requesting payment confirmation information of the WAP online store for the payment result from the WAP online store in a background manner. 12. A secure payment system based on a mobile terminal browser, including a mobile terminal, a payment channel system, and a merchant system, wherein, A security payment control is integrated in the browser of the mobile terminal; The secure payment control is used to generate a payment label in response to the user's confirmation of the payment page of the merchant's WAP online store through the mobile terminal and the label specification of the payment control, or to obtain the merchant's WAP from the merchant's WAP online store. The payment label generated by the online store according to the payment page and the label specification of the payment control; according to the payment label, the user is provided with payment instruction information through the mobile terminal browser, and according to the payment label, it automatically communicates with the payment channel in the background The system communicates with the merchant's WAP online store. 13. The secure payment system based on mobile terminal browser as claimed in claim 12, wherein, The payment tag at least includes the payment channel, the payment button, the WAP merchant ID, the product name of the payment target, the payment amount, and the URL of the WAP merchant payment result page. 14. The safe payment system based on mobile terminal browser as claimed in claim 13, further comprising: The secure payment statistics server is used to provide relevant payment information backup data support for the mobile terminal, payment channel system and merchant system.

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