Method and System of Implementing Electronic Payment via Mobile Terminal

A system comprising:

• a mobile terminal, an access terminal, a platform apparatus and a payment server, wherein:
• the mobile terminal establishes a wireless connection with an access terminal, displays payment information that is received from the access terminal, communicates with the payment server based at least in part on the payment information after receiving an input indicating user confirmation to complete a payment, and notifies the access terminal that the payment has been completed through the wireless connection;
• the access terminal establishes the wireless connection with the mobile terminal, sends the payment information to the mobile terminal through the wireless connection, and notifies the platform apparatus that the payment has been completed in response to receiving a notification indicating that the payment has been completed from the mobile terminal through the wireless connection;
• the platform apparatus communicates with the payment server to confirm a payment completion status of the mobile terminal in response to receiving the notification indicating that the payment has been completed from the access terminal;
• and
• the payment server completes processing of the payment.

One or more computer-readable media storing executable instructions that, when executed by an access terminal comprising one or more processors, cause the access terminal to perform acts comprising:

• establishing a wireless connection with a mobile terminal;
• sending payment information to the mobile terminal through the wireless connection to cause the mobile terminal to display the payment information;
• receiving a notification that a payment has been completed from the mobile terminal through the wireless connection;
• and
• notifying a platform apparatus that the payment has been completed to cause the platform apparatus to communicate with the payment server to confirm a payment completion status of the mobile terminal.