Payment method, apparatus and device

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.

2. The method of claim 1 , further comprising:

establishing, by the server, a correspondence between the payment account and the identity information of the user, and storing the correspondence; and

sending, by the server, the payment account to the client terminal.

3. The method of claim 1 , further comprising:

detecting, by the client terminal, the geographical location of the user; and

determining, by the client terminal and based on the geographical location of the user, the third-party payment institute.

4. The method of claim 1 , further comprising:

receiving, by the client terminal, a user instruction; and

determining, by the client terminal and based on the user instruction, the third-party payment institute.

5. The method of claim 1 , wherein the DOI is a 2-dimensional Quick Response (2-D QR) code, and the 2-D QR code uses one of Code 16K standard, Code 49 standard, PDF417 standard, and MicroPDF417 standard.

6. The method of claim 1 , further comprising:

sending, by the merchant terminal, the payment request to the third-party payment institute for the third-party payment institute to identify the payment account; and

receiving, by the server, from the third-party payment institute and after the payment account is successfully identified by the third-party payment institute, the payment request.

7. The method of claim 1 , wherein the payment account is a gift card account.

8. One or more non-transitory computer-readable storage media storing instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising:

receiving, 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 based on the identity information of the user, a corresponding account of the user different from the payment account, the corresponding account being incompatible with the third-party payment institute;

obtaining, 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 via an extensible markup language (xml) format;

receiving 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, based on the information of the payment account in the payment request, the corresponding account of the user; and

completing 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.

9. The one or more non-transitory computer-readable storage media of claim 8 , wherein the operations further comprise:

establishing a correspondence between the payment account and the identity information of the user, and storing the correspondence; and

sending the payment account to the client terminal.

10. The one or more non-transitory computer-readable storage media of claim 8 , wherein the operations further comprise:

detecting, by the client terminal, the geographical location of the user; and

determining, based on the geographical location of the user, the third-party payment institute.

11. The one or more non-transitory computer-readable storage media of claim 8 , wherein the operations further comprise:

receiving a user instruction; and

determining, based on the user instruction, the third-party payment institute.

12. The one or more non-transitory computer-readable storage media of claim 8 , wherein the DOI is a 2-dimensional Quick Response (2-D QR) code, and the 2-D QR code uses one of Code 16K standard, Code 49 standard, PDF417 standard, and MicroPDF417 standard.

13. The one or more non-transitory computer-readable storage media of claim 8 , wherein the operations further comprise:

sending the payment request to the third-party payment institute for the third-party payment institute to identify the payment account; and

receiving from the third-party payment institute and after the payment account is successfully identified by the third-party payment institute, the payment request.

14. The one or more non-transitory computer-readable storage media of claim 8 , wherein the payment account is a gift card account.

15. A system, comprising one or more processors and one or more non-transitory computer-readable storage media storing instructions that, when executed by the one or more processors, cause the system to perform operations comprising:

receiving, 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 based on the identity information of the user, a corresponding account of the user different from the payment account, the corresponding account being incompatible with the third-party payment institute;

obtaining, 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 via an extensible markup language (xml) format;

receiving 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, based on the information of the payment account in the payment request, the corresponding account of the user; and

completing 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.

16. The system of claim 15 , wherein the operations further comprise:

establishing a correspondence between the payment account and the identity information of the user, and storing the correspondence; and

sending the payment account to the client terminal.