CN107220819A - Polymerization method of payment and platform based on two-way authentication - Google Patents

Abstract

The present invention provides an aggregated payment method and platform based on two-way authentication, including: receiving payment information sent by a user terminal through a first payment client, the payment information including transaction amount, the first mobile phone number of the user registered with the first payment client and the identification of the second payment client supported by the merchant; if the first payment client is inconsistent with the second payment client, then detect whether the first mobile phone number is consistent with the mobile phone number used by the user; if the If the first mobile phone number is consistent with the mobile phone number used by the user, the user’s account funds under the first payment client will be paid to the merchant’s account under the second payment client according to the transaction amount account. The solution provided by the present invention can solve the problem that the payment cannot be completed when the payment platform used by the user is different from that of the merchant, and through two-way authentication, the payment and asset security of the user can be guaranteed.

Description

Aggregation payment method and platform based on two-way authentication

technical field

The invention relates to the field of mobile payment, in particular to an aggregate payment method and platform based on two-way authentication.

Background technique

With the development of science and technology, the consumption method through mobile payment has gradually entered our life. At present, there are many mobile payment software, such as WeChat payment, Yipay, Jingdong payment, etc. Usually, merchants will carry out offline promotional marketing methods. When users make mobile payments, they often encounter merchants that only support a certain type of payment. For example, the merchant only supports Alipay, but the payment method used by the user is different from that of the merchant, or the user does not have enough balance in Alipay to pay, resulting in inconvenience such as inability to complete the transaction.

Contents of the invention

The invention provides an aggregated payment method and platform based on two-way authentication, which is used to solve the problem that the payment cannot be completed when the payment platform used by the user is different from that of the merchant, and can ensure the safety of the user's payment and assets.

The first aspect of the present invention is to provide an aggregated payment method based on two-way authentication, including: receiving the payment information sent by the user terminal through the first payment client, the payment information including the transaction amount, the user registration first payment client The identification of the second payment client supported by the first mobile phone number and the merchant; if the first payment client is inconsistent with the second payment client, then detect whether the first mobile phone number and the mobile phone number used by the user Consistent; if the first mobile phone number is consistent with the mobile phone number used by the user, then pay the user's account funds under the first payment client to the second payment client according to the transaction amount An account with said merchant.

Another aspect of the present invention is to provide an aggregated payment platform based on two-way authentication, including: a receiving module for receiving payment information sent by a user terminal through the first payment client, the payment information includes transaction amount, user registration first The first mobile phone number of the payment client and the identification of the second payment client supported by the merchant; the first comparison module is used to detect if the first payment client is inconsistent with the second payment client. Whether the mobile phone number is consistent with the mobile phone number used by the user; the settlement module is used to download the first payment client according to the transaction amount if the first mobile phone number is consistent with the mobile phone number used by the user. The funds in the user's account are paid to the merchant's account under the second payment client.

The invention provides an aggregated payment method and platform based on two-way authentication, which can realize aggregated payment between different payment platforms, thereby solving the problem that the payment cannot be completed when the payment platform used by the user is different from the merchant, and, through Detect whether the first mobile phone number registered by the user on the first payment client is consistent with the mobile phone number used by the user, and verify the current payment behavior of the user, which can ensure the security of the user's payment and assets.

Description of drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following will briefly introduce the drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are For some embodiments of the present invention, those skilled in the art can also obtain other drawings based on these drawings without creative work.

FIG. 1 is a schematic flow diagram of an aggregated payment method based on two-way authentication provided by Embodiment 1 of the present invention;

FIG. 2 is a schematic flow diagram of the two-way authentication-based aggregation payment method provided by Embodiment 2 of the present invention;

FIG. 3 is a schematic flow diagram of a two-way authentication-based aggregation payment method provided by Embodiment 3 of the present invention;

FIG. 4 is a schematic flow diagram of a two-way authentication-based aggregation payment method provided in Embodiment 4 of the present invention;

FIG. 5 is a schematic flow diagram of a two-way authentication-based aggregation payment method provided in Embodiment 5 of the present invention;

FIG. 6 is a schematic structural diagram of an aggregated payment platform based on two-way authentication provided by Embodiment 6 of the present invention;

FIG. 7 is a schematic structural diagram of an aggregated payment platform based on two-way authentication provided by Embodiment 7 of the present invention;

FIG. 8 is a schematic structural diagram of an aggregated payment platform based on two-way authentication provided by Embodiment 8 of the present invention;

FIG. 9 is a schematic structural diagram of an aggregated payment platform based on two-way authentication provided by Embodiment 9 of the present invention;

FIG. 10 is a schematic structural diagram of an aggregated payment platform based on two-way authentication provided by Embodiment 10 of the present invention.

detailed description

In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

Fig. 1 is a schematic flow diagram of the two-way authentication-based aggregation payment method provided by Embodiment 1 of the present invention. As shown in Fig. 1, the method includes:

101. Receive payment information sent by a user terminal through a first payment client, where the payment information includes a transaction amount, a first mobile phone number that a user registers with the first payment client, and an identifier of a second payment client supported by a merchant.

The executor of this embodiment may be an aggregated payment platform. The aggregated payment platform has an interface connected to various payment clients, such as WeChat payment client and Alipay payment client. Based on the aggregated payment platform, through the communication and interaction between different payment clients and platforms, different payment clients Cross-client payment between terminals.

In practical applications, when the user needs to pay the merchant, if there is only the first payment client in the user terminal, the second payment client of the merchant is first paid through the first payment client of the user terminal. Scanning, thereby receiving payment information including the transaction amount, the first mobile phone number registered by the user with the first payment client, and the identification of the second payment client supported by the merchant.

102. If the first payment client is inconsistent with the second payment client, check whether the first mobile phone number is consistent with the mobile phone number used by the user.

In practical applications, when the first payment client used by the user terminal is inconsistent with the merchant's second payment client, in order to ensure the security of the user's assets, it is necessary to verify the mobile phone number used by the user and the user's registered first payment client. Compare the first mobile phone number to see if the two numbers are the same. Here, the mobile phone number used by the user refers to the mobile phone number used by the mobile terminal for mobile communication when the user currently uses the mobile terminal to make payment.

103. If the first mobile phone number is consistent with the mobile phone number used by the user, pay the account funds of the user under the first payment client to the second payment client according to the transaction amount An account with said merchant.

In practical applications, when it is found through comparison that the mobile phone number used by the user is the same as the first mobile phone number when the user registered the first payment client, then according to the transaction amount in the payment information, from the first payment client of the user terminal The terminal withdraws the corresponding amount and pays it to the user's second payment client, thus completing a cross-platform payment. When it is found through comparison that the mobile phone number used by the user is not the same as the mobile phone number used by the user when registering the first payment client, in order to protect the security of the user's assets, the payment is terminated.

Take the actual scenario as an example: when payment needs to be made, the user scans the payment QR code of the merchant through the WeChat payment client and finds that the payment QR code of the merchant supports the Alipay client, but the Alipay client is not currently installed in the user's mobile phone. At this time, the user can send a payment request to the aggregation payment platform through the terminal. According to the request, the platform detects that the payment client currently supported by the merchant and the user is inconsistent. If it is consistent, then according to the payment amount, the corresponding funds will be paid from the WeChat payment client to the Alipay client of the merchant, thereby safely completing a cross-platform payment.

The aggregated payment method based on two-way authentication provided by this embodiment can realize the aggregated payment between different payment platforms, thereby solving the problem that the payment cannot be completed when the payment platform used by the user is different from the merchant, and, by detecting the user registration Whether the first mobile phone number of the first payment client is consistent with the mobile phone number used by the user can ensure the safety of the user's payment and assets.

Fig. 2 is a schematic flow diagram of the aggregated payment method based on two-way authentication provided by the second embodiment of the present invention. Before whether the mobile phone numbers used are consistent, the method also includes:

201. Detect whether the user has registered with the second payment client.

In practical applications, the user may have registered with the second payment client, but the user terminal has not installed the second payment client and cannot directly pay through the second payment client. Therefore, after receiving the first payment client After sending the payment information, before detecting whether the first mobile phone number is consistent with the mobile phone number used by the user, it is firstly detected whether the user has registered with the second payment client.

202. If registered, obtain a second mobile phone number with which the user registered the second payment client, and check whether the second mobile phone number is consistent with the first mobile phone number.

Correspondingly, 102 specifically includes:

203. If the second mobile phone number is consistent with the first mobile phone number, check whether the first mobile phone number is consistent with the mobile phone number used by the user.

In this embodiment, if it is detected that the user has registered with the second payment client, in order to ensure the security of the user's assets, continue to register the second mobile phone number of the second payment client with the user to register the first payment client. The client's first mobile phone number is compared. If it is detected that the second mobile phone number is consistent with the first mobile phone number, then continue to compare the first mobile phone number with the mobile phone number used by the user, if the two comparison results are consistent, then pay the merchant, if not, In order to protect the security of user assets, this payment is stopped.

Still take the actual scenario as an example: when the user pays to the merchant through this method, although there is only one WeChat payment in the user's mobile phone, the user may have registered an Alipay account, but the Alipay client is not installed in the mobile phone, so, When the payment information is obtained, it should first check whether the user has registered on the Alipay platform. If so, check whether the mobile phone number when the user registers WeChat is the same as the mobile phone number when the user registers Alipay. If they are the same number, proceed to the next step. The first step is to detect whether this number is consistent with the mobile phone number used by the user. If they are consistent, the user will pay the merchant. If they are inconsistent, the payment will be stopped in order to protect the security of the user's assets.

In the aggregated payment method based on two-way authentication provided in this embodiment, before detecting whether the first mobile phone number is consistent with the mobile phone number used by the user, it first detects whether the user has registered with the second payment client, and checks the second mobile phone number The first mobile phone number is compared with the second mobile phone number, and when the comparison result shows that the mobile phone number used by the user, the first mobile phone number and the second mobile phone number are all consistent, payment is made to the merchant. Through this authentication method, the user's asset security can be further protected on the basis of aggregated payment.

Fig. 3 is a schematic flow diagram of the two-way authentication-based aggregation payment method provided by Embodiment 3 of the present invention. As shown in Fig. 3 , on the basis of Embodiment 1 or Embodiment 2, the detection of the first mobile phone described in step 102 Before whether the number is consistent with the mobile phone number used by the user, the method also includes:

301. Access the operator database, and confirm whether the mobile phone number used by the user is a valid number.

Correspondingly, 102 specifically includes:

302. If the mobile phone number used by the user is a valid number, check whether the first mobile phone number is consistent with the mobile phone number used by the user.

In this embodiment, before detecting whether the first mobile phone number is consistent with the mobile phone number used by the user, firstly, authentication is performed according to the mobile phone number used by the user in the payment information received from the first payment client, and by visiting the operator The database verifies whether the mobile phone number used by the user is a valid number, and a valid number is a number with a good usage record and no downtime.

Taking Embodiment 3 implemented on the basis of Embodiment 2 as an example, when the user makes cross-platform payment through the aggregation platform, first confirm whether the first payment client is consistent with the second payment client, and when the first payment client is consistent with the second payment client When the payment client is inconsistent, on the basis of detecting whether the first mobile phone number registered by the user on the first payment client is consistent with the second mobile phone number registered on the second payment client, it is also confirmed whether the mobile phone number used by the user is a valid number. If the first mobile phone number is consistent with the second mobile phone number and the mobile phone number used by the user is a valid number, then it is detected whether the first mobile phone number is consistent with the mobile phone number used by the user.

Still taking the actual scenario as an example: after the user obtains the payment information by scanning the QR code of the merchant on WeChat, first authenticate the mobile phone number used by the user, and then confirm whether the mobile phone number used by the user is a valid number by accessing the operator’s database , a valid number is a mobile phone number that has not been shut down and has good credit. When it is detected that the user number is a valid number, the following steps will be performed. If the number is invalid, the payment will be stopped.

The aggregated payment method based on two-way authentication provided by this embodiment first checks whether the first mobile phone number is consistent with the mobile phone number used by the user, first according to the mobile phone number used by the user in the payment information received from the first payment client. Mobile phone number authentication can further protect the user's asset security.

Fig. 4 is a schematic flowchart of the two-way authentication-based aggregation payment method provided by Embodiment 4 of the present invention. As shown in Fig. 4 , on the basis of any of the foregoing embodiments, the transaction amount described in 103 is transferred to the second Payment of the account funds of the user under the first payment client to the account of the merchant under the second payment client includes:

401. Send a payment request to the first payment client, where the payment request includes the transaction amount;

In practical applications, when the mobile phone number used by the user is authenticated as a valid number and the first mobile phone number is confirmed to be consistent with the mobile phone number used by the user, a payment request is sent to the first payment client, and the payment request includes the transaction amount.

402. Receive funds paid by the first payment client from the user's funds under the first payment client according to the payment request;

In this embodiment, after the first payment client receives the payment request, the receiving first payment client withdraws the corresponding transaction amount.

403. Pay the funds to the account of the merchant under the second payment client.

In this embodiment, after receiving the funds paid by the first payment client from the user's funds under the first payment client according to the payment request, the funds are paid to the merchant's account under the second payment client, thereby completing an aggregation pay.

Still taking the actual scenario as an example: After completing a series of comparisons and authentications, send a payment request to the WeChat client, and after receiving the payment request, the WeChat client extracts from the WeChat client the payment amount equal to the payment amount carried in the payment information. The amount of the payment is transferred to the Alipay client of the merchant, thus completing a cross-platform payment.

The aggregated payment method based on two-way authentication provided by this embodiment completes an aggregated payment by sending a payment request to the first payment client, receiving funds from the first payment client and sending it to the merchant, thereby solving the problem of payment when the user uses The platform is different from the merchant, which causes the problem that the payment cannot be completed.

Fig. 5 is a schematic flowchart of the two-way authentication-based aggregation payment method provided by Embodiment 5 of the present invention. As shown in Fig. 5, on the basis of any of the foregoing embodiments, after step 103, the method further includes:

501. Send a payment success message to the user terminal, where the payment success message includes the transaction amount.

Still taking the actual scenario as an example: when the aggregation payment platform successfully withdraws funds from the WeChat client and pays to Alipay, it sends a message of successful payment to the WeChat client. The message includes information such as the payment amount and payment success to remind User aggregation payment completion and fund expenditure status.

In this embodiment, after the funds of the user under the first payment client are paid to the merchant according to the transaction amount, a successful payment message is pushed to the user terminal to remind the user that the payment has been completed. The successful payment message includes the transaction amount, Used to remind customers of consumption.

The aggregated payment method based on two-way authentication provided in this embodiment pushes a successful payment message containing the payment amount to the user after the payment is successful, to remind the user that the payment has been completed, and enables the user to know the details of their payment and assets in real time, providing users with Asset security is guaranteed.

Fig. 6 is a schematic structural diagram of an aggregated payment platform based on two-way authentication provided by Embodiment 6 of the present invention. As shown in Fig. 6, the platform includes:

The receiving module 61 is configured to receive the payment information sent by the user terminal through the first payment client, the payment information includes the transaction amount, the first mobile phone number of the user registered with the first payment client, and the identification of the second payment client supported by the merchant.

In practical applications, when the user needs to pay the merchant, if there is only the first payment client in the user terminal, the second payment client of the merchant is first paid through the first payment client of the user terminal. Scanning, so that the receiving module 61 receives the payment information including the transaction amount, the first mobile phone number that the user registers with the first payment client, and the identification of the second payment client supported by the merchant.

The first comparison module 62 is configured to detect whether the first mobile phone number is consistent with the mobile phone number used by the user if the first payment client is inconsistent with the second payment client.

In practical applications, when the first payment client used by the user terminal is inconsistent with the second payment client of the merchant, in order to ensure the security of the user's assets, it is necessary to use the first comparison module 62 to register the mobile phone number used by the user with the user. Compare the first mobile phone number at the time of the first payment client to know whether the two numbers are consistent.

Settlement module 63, for if the first mobile phone number is consistent with the mobile phone number used by the user, then pay the account funds of the user under the first payment client to the second mobile phone according to the transaction amount. Pay the account of the merchant mentioned under Client.

In practical applications, when the first comparison module 62 compares and finds that the mobile phone number used by the user is the same as the first mobile phone number when the user registers the first payment client, the settlement module 63 will use the payment information according to the transaction The corresponding amount is withdrawn from the first payment client of the user terminal, and then paid to the second payment client of the user, thereby completing a cross-platform payment. When the first comparison module 62 finds that the mobile phone number used by the user is not the same as the mobile phone number when the user registered the first payment client, then in order to protect the user's asset security, this payment is terminated.

The aggregated payment platform based on two-way authentication provided by this embodiment can realize the aggregated payment between different payment platforms, thereby solving the problem that the payment cannot be completed when the payment platform used by the user is different from the merchant, and, by detecting the user registration Whether the first mobile phone number of the first payment client is consistent with the mobile phone number used by the user can ensure the safety of the user's payment and assets.

Fig. 7 is a schematic structural diagram of an aggregated payment platform based on two-way authentication provided by Embodiment 7 of the present invention. As shown in Fig. 7 , on the basis of Embodiment 6, the platform further includes:

The detection module 71 is used to detect whether the user has registered the second payment client before the first comparison module 62 detects whether the first mobile phone number is consistent with the mobile phone number used by the user;

In practical applications, the user may have registered with the second payment client, but the user terminal has not installed the second payment client and cannot directly pay through the second payment client. Therefore, after receiving the first payment client After the payment information is sent, before the first comparison module 62 detects whether the first mobile phone number is consistent with the mobile phone number used by the user, the detection module 71 first detects whether the user has ever registered with the second payment client.

The second comparison module 72 is used to obtain the second mobile phone number registered by the user for the second payment client if registered, and detect whether the second mobile phone number is consistent with the first mobile phone number;

Correspondingly, the first comparison module 62 is specifically configured to detect whether the first mobile phone number is consistent with the mobile phone number used by the user if the second mobile phone number is consistent with the first mobile phone number.

In this embodiment, if it is detected by the detection module 71 that the user has registered the second payment client, then in order to ensure the security of the user's assets, the second comparison module 72 will continue to register the user with the second payment client. The second mobile phone number is compared with the first mobile phone number registered by the user on the first payment client. If it is detected that the second mobile phone number is consistent with the first mobile phone number by the second comparison module 72, then continue to compare the first mobile phone number and the mobile phone number used by the user by the first comparison module 71, if twice compared If the results are consistent, the payment will be made to the merchant. If not, the payment will be stopped in order to protect the security of the user's assets.

The aggregated payment platform based on two-way authentication provided in this embodiment, before detecting whether the first mobile phone number is consistent with the mobile phone number used by the user, first detects whether the user has registered the second payment client, and checks the second mobile phone number The first mobile phone number is compared with the second mobile phone number, and when the comparison result shows that the mobile phone number used by the user, the first mobile phone number and the second mobile phone number are all consistent, payment is made to the merchant. Through this authentication method, the user's asset security can be further protected on the basis of aggregated payment.

Fig. 8 is a schematic structural diagram of an aggregated payment platform based on two-way authentication provided by Embodiment 8 of the present invention. As shown in Fig. 8, on the basis of Embodiment 6, the platform further includes:

The authentication module 81 is used to access the operator database to confirm whether the mobile phone number used by the user is valid before the first comparison module 62 detects whether the first mobile phone number is consistent with the mobile phone number used by the user Number;

Correspondingly, the first comparison module 62 is specifically configured to detect whether the first mobile phone number is consistent with the mobile phone number used by the user if the mobile phone number used by the user is a valid number.

In this embodiment, before the first comparison module 62 is used to detect whether the first mobile phone number is consistent with the mobile phone number used by the user, the authentication module 81 first uses the user's mobile phone number in the payment information received from the first payment client. The mobile phone number used is authenticated. By accessing the operator's database, it is verified whether the mobile phone number used by the user is a valid number. A valid number is a number with a good usage record and no downtime.

The aggregated payment platform based on two-way authentication provided in this embodiment first checks whether the first mobile phone number is consistent with the mobile phone number used by the user, according to the mobile phone number used by the user in the payment information received from the first payment client. Mobile phone number authentication can further protect the user's asset security.

Fig. 9 is a schematic structural diagram of an aggregated payment platform based on two-way authentication provided by Embodiment 9 of the present invention. As shown in Fig. 9 , on the basis of any one of Embodiments 6 to 8, the settlement module 63 specifically include:

A requesting unit 91, configured to send a payment request to the first payment client, where the payment request includes the transaction amount;

In practical applications, when the mobile phone number used by the user is authenticated by the authentication module 81 as a valid number, and after the first comparison module 62 confirms that the first mobile phone number is consistent with the mobile phone number used by the user, then the request unit 91 sends the first payment The client sends a payment request, which includes the transaction amount.

A transfer unit 92, configured to receive funds paid by the first payment client from the user's funds under the first payment client according to the payment request;

In this embodiment, after the first payment client receives the payment request, the first payment client withdraws the corresponding transaction amount through the transfer unit 92 .

A payment unit 93, configured to pay the funds to the account of the merchant under the second payment client.

In this embodiment, after the transfer unit 92 receives the funds paid by the first payment client from the user's funds in the first payment client according to the payment request, the funds are paid to the merchant in the second payment client through the payment unit 93 account, thus completing an aggregated payment.

The aggregated payment platform based on two-way authentication provided by this embodiment completes an aggregated payment by sending a payment request to the first payment client, receiving funds from the first payment client and sending it to the merchant, thereby solving the problem of payment when the user uses The platform is different from the merchant, which causes the problem that the payment cannot be completed.

Fig. 10 is a schematic structural diagram of an aggregated payment platform based on two-way authentication provided by Embodiment 10 of the present invention. As shown in Fig. 10 , on the basis of any one of Embodiments 6 to 9, the platform further includes:

The push module 11 is configured to, after the settlement module 63 pays the account funds of the user under the first payment client to the account of the merchant under the second payment client according to the transaction amount, send The user terminal sends a payment success message, and the payment success message includes the transaction amount.

In this embodiment, after the funds of the user under the first payment client are paid to the merchant according to the transaction amount, a message of successful payment is pushed to the user terminal through the push module 11, which is used to remind the user that the payment has been completed. Include the transaction amount to remind customers of consumption.

The aggregated payment platform based on two-way authentication provided by this embodiment pushes a successful payment message containing the payment amount to the user after the payment is successful, to remind the user that the payment has been completed, and to enable the user to know the details of their payment and assets in real time, and to provide users with Asset security is guaranteed.

Those skilled in the art can clearly understand that for the convenience and brevity of the description, the specific working process of the platform described above can refer to the corresponding process in the foregoing method embodiments, which will not be repeated here.

Those of ordinary skill in the art can understand that all or part of the steps for implementing the above method embodiments can be completed by program instructions and related hardware. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, it executes the steps including the above-mentioned method embodiments; and the aforementioned storage medium includes: ROM, RAM, magnetic disk or optical disk and other various media that can store program codes.

Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present invention, rather than limiting them; although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: It is still possible to modify the technical solutions described in the foregoing embodiments, or perform equivalent replacements for some or all of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the technical solutions of the various embodiments of the present invention. scope.

Claims (10)

1. An aggregated payment method based on two-way authentication, characterized in that it comprises: receiving the payment information sent by the user terminal through the first payment client, the payment information including the transaction amount, the first mobile phone number registered by the user with the first payment client, and the identification of the second payment client supported by the merchant; If the first payment client is inconsistent with the second payment client, then detecting whether the first mobile phone number is consistent with the mobile phone number used by the user; If the first mobile phone number is consistent with the mobile phone number used by the user, the user’s account funds under the first payment client will be paid to the second payment client according to the transaction amount Merchant's account. 2. The method according to claim 1, wherein before the detection of whether the first mobile phone number is consistent with the mobile phone number used by the user, further comprising: Detecting whether the user has registered with the second payment client; If registered, then obtain the second mobile phone number of the user to register the second payment client, and detect whether the second mobile phone number is consistent with the first mobile phone number; The detecting whether the first mobile phone number is consistent with the mobile phone number used by the user includes: If the second mobile phone number is consistent with the first mobile phone number, it is detected whether the first mobile phone number is consistent with the mobile phone number used by the user. 3. The method according to claim 1, wherein before the detection of whether the first mobile phone number is consistent with the mobile phone number used by the user, further comprising: Access the operator's database to confirm whether the mobile phone number used by the user is a valid number; The detecting whether the first mobile phone number is consistent with the mobile phone number used by the user includes: If the mobile phone number used by the user is a valid number, it is detected whether the first mobile phone number is consistent with the mobile phone number used by the user. 4. The method according to claim 1, wherein the payment of the user's funds under the first payment client to the merchant according to the transaction amount specifically includes: sending a payment request to the first payment client, where the payment request includes the transaction amount; receiving funds paid by the first payment client from the user's funds under the first payment client according to the payment request; The funds are paid to the account of the merchant under the second payment client. 5. The method according to any one of claims 1-4, characterized in that, according to the transaction amount, the account funds of the user under the first payment client are paid to the second payment client After the account of the merchant mentioned under the client, also include: Sending a successful payment message to the user terminal, where the successful payment message includes the transaction amount. 6. An aggregated payment platform based on two-way authentication, characterized in that it comprises: The receiving module is used to receive the payment information sent by the user terminal through the first payment client, the payment information including the transaction amount, the first mobile phone number of the user registering the first payment client and the identification of the second payment client supported by the merchant; The first comparison module is used to detect whether the first mobile phone number is consistent with the mobile phone number used by the user if the first payment client is inconsistent with the second payment client; A settlement module, configured to pay the user's account fund under the first payment client to the second payment client according to the transaction amount if the first mobile phone number is consistent with the mobile phone number used by the user The account of the merchant mentioned under Client. 7. The platform according to claim 6, wherein the device further comprises: The detection module is used to detect whether the user has registered the second payment client before the first comparison module detects whether the first mobile phone number is consistent with the mobile phone number used by the user; The second comparison module is used to obtain the second mobile phone number of the second payment client registered by the user if registered, and detect whether the second mobile phone number is consistent with the first mobile phone number; The first comparison module is specifically configured to detect whether the first mobile phone number is consistent with the mobile phone number used by the user if the second mobile phone number is consistent with the first mobile phone number. 8. The platform according to claim 6, wherein the device further comprises: An authentication module, used to access the operator database to confirm whether the mobile phone number used by the user is a valid number before the first comparison module detects whether the first mobile phone number is consistent with the mobile phone number used by the user; The first comparison module is specifically configured to detect whether the first mobile phone number is consistent with the mobile phone number used by the user if the mobile phone number used by the user is a valid number. 9. The platform according to claim 6, wherein the settlement module comprises: a requesting unit, configured to send a payment request to the first payment client, where the payment request includes the transaction amount; A transfer unit, configured to receive funds paid by the first payment client from the user's funds under the first payment client according to the payment request; A payment unit, configured to pay the funds to the account of the merchant under the second payment client. 10. The platform according to any one of claims 6-9, wherein the device further comprises: A push module, configured to, after the settlement module pays the user's account fund under the first payment client to the merchant's account under the second payment client according to the transaction amount, send The user terminal sends a payment success message, where the payment success message includes the transaction amount.