US 11,715,090 B2
Payment method, apparatus and device
Taiming Feng, Hangzhou (CN); and Yingde Liu, Hangzhou (CN)
Assigned to ADVANCED NEW TECHNOLOGIES CO., LTD., George Town (KY)
Filed by ADVANCED NEW TECHNOLOGIES CO., LTD., Grand Cayman (KY)
Filed on Jul. 8, 2022, as Appl. No. 17/861,106.
Application 17/861,106 is a continuation of application No. 16/903,210, filed on Jun. 16, 2020, granted, now 11,468,426.
Application 16/903,210 is a continuation of application No. PCT/CN2019/070779, filed on Jan. 8, 2019.
Claims priority of application No. 201810029073.1 (CN), filed on Jan. 12, 2018.
Prior Publication US 2022/0343316 A1, Oct. 27, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/32 (2012.01); G06K 7/14 (2006.01); G06K 19/06 (2006.01); G06Q 10/10 (2023.01); G06Q 20/02 (2012.01); G06Q 20/10 (2012.01); G06Q 20/40 (2012.01); G06Q 40/02 (2023.01); H04L 67/12 (2022.01); H04L 67/52 (2022.01); H04L 67/53 (2022.01); G06Q 20/34 (2012.01)
CPC G06Q 20/3274 (2013.01) [G06K 7/1417 (2013.01); G06K 19/06037 (2013.01); G06Q 10/10 (2013.01); G06Q 20/02 (2013.01); G06Q 20/108 (2013.01); G06Q 20/4014 (2013.01); G06Q 40/02 (2013.01); H04L 67/12 (2013.01); H04L 67/52 (2022.05); H04L 67/53 (2022.05); G06Q 20/342 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A payment method, comprising:
receiving, by a server from a client terminal, a request for acquiring a payment account for a transaction on a merchant terminal, wherein the request comprises a third-party payment institute corresponding to a geographical location of a user and identity information of the user, wherein the payment account is associated and compatible with the third-party payment institute;
identifying, by the server and based on the identity information of the user, the corresponding account of the user different from the payment account;
obtaining, by the server, from the third-party payment institute, the payment account based on the request;
sending, to the client terminal, the payment account for generating a payment digital object identifier (DOI) scannable by the merchant terminal by encoding information of the payment account;
receiving, by the server, a payment request from the merchant terminal scanning the payment DOI, wherein the payment request comprises the information of the payment account and order information of the transaction;
determining, by the server and based on the information of the payment account in the payment request, the corresponding account of the user; and
completing, by the server, the transaction on the corresponding account of the user based on the order information of the transaction, wherein the transaction includes transferring of a monetary balance from the corresponding account of the user to a merchant account associated with the merchant terminal.