Credit payment method and apparatus based on mobile terminal peer-to-peer

A computer-implemented method, comprising:

• receiving, by a server, an application authorization request sent by a mobile computing device;
• generating, by the server, an application public key and an application private key based on the application authorization request;
• signing, by the server, the application public key by using a locally stored authorization private key to generate an application public key certificate;
• sending, by the server, the application public key certificate and the application private key to the mobile computing device;
• receiving, by the server, a credit payment data acquisition request sent by the mobile computing device;
• generating, by the server, credit payment data corresponding to the mobile computing device based on the credit payment data acquisition request;
• and
• sending, by the server, the credit payment data to the mobile computing device.

A non-transitory, computer-readable medium storing instructions executable by a computer system to perform operations comprising:

• receiving, by a server, an application authorization request sent by a mobile computing device;
• generating, by the server, an application public key and an application private key based on the application authorization request;
• signing, by the server, the application public key by using a locally stored authorization private key to generate an application public key certificate;
• sending, by the server, the application public key certificate and the application private key to the mobile computing device;
• receiving, by the server, a credit payment data acquisition request sent by the mobile computing device;
• generating, by the server, credit payment data corresponding to the mobile computing device based on the credit payment data acquisition request;
• and
• sending, by the server, the credit payment data to the mobile computing device.

A computer-implemented system, comprising:

• one or more computers;
• and
• one or more computer memory devices interoperably coupled with the one or more computers and having tangible, non-transitory, machine-readable media storing instructions that, when executed by the one or more computers, perform operations comprising:
• receiving, by a server, an application authorization request sent by a mobile computing device;
• generating, by the server, an application public key and an application private key based on the application authorization request;
• signing, by the server, the application public key by using a locally stored authorization private key to generate an application public key certificate;
• sending, by the server, the application public key certificate and the application private key to the mobile computing device;
• receiving, by the server, a credit payment data acquisition request sent by the mobile computing device;
• generating, by the server, credit payment data corresponding to the mobile computing device based on the credit payment data acquisition request;
• and
• sending, by the server, the credit payment data to the mobile computing device.