公开(公告)号：US11468426B2

公开(公告)日：2022-10-11

申请号：US16903210

申请日：2020-06-16

Applicant: ADVANCED NEW TECHNOLOGIES CO., LTD.

Inventor： Taiming Feng ,  Yingde Liu

IPC: G06Q20/32 ,  G06K7/14 ,  G06K19/06 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  H04L67/12 ,  H04L67/52 ,  H04L67/53 ,  G06Q20/34

Abstract: A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.

公开(公告)号：US11715090B2

公开(公告)日：2023-08-01

申请号：US17861106

申请日：2022-07-08

Applicant: ADVANCED NEW TECHNOLOGIES CO., LTD.

Inventor： Taiming Feng ,  Yingde Liu

IPC: G06Q20/32 ,  G06K7/14 ,  G06K19/06 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  H04L67/12 ,  H04L67/52 ,  H04L67/53 ,  G06Q20/34

CPC classification number: G06Q20/3274 ,  G06K7/1417 ,  G06K19/06037 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/108 ,  G06Q20/4014 ,  G06Q40/02 ,  H04L67/12 ,  H04L67/52 ,  H04L67/53 ,  G06Q20/342

Abstract: A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.