var checkboxdata = $(“input[name=payoperator]:checked”).map(function() {
return $(this).val();
}).get().join(",");

<div class="form-group">
 <label class="col-lg-2 col-md-2 col-sm-12 control-label">支付方式</label>
 <div class="col-lg-4 col-md-4">
 <label class="checkbox-inline"> 
 <input type="checkbox" name="payoperator" value="1">支付宝在线缴费 </label>
 <label class="checkbox-inline"> 
 <input type="checkbox" name="payoperator" value="2" checked="checked">支付宝代扣缴费 </label>
 <label class="checkbox-inline">
 <input type="checkbox" name="payoperator" value="3" checked="checked">支付宝当面付 </label>
 </div>
</div>

 var detail = detaildata.pay_operator;（detaildata为从后台取到的所有数据的值，pay_operator为数据库的字段）
 var split = detail.split(",");
  for (var i = 0; i < split.length; i++) {
  $("input[name=payoperator][value="+split[i]+"]").attr("checked","checked");
  }