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 |
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.
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