A method, related device and payment system for completing payment through client

Abstract

A method, device and system of completing payment through clients are disclosed. The method includes a first client being a payee and a second client being a payer. The first client performs audio encoding on: a first client identifier and obtained pending payment charge indication information in order to obtain a computed payment charge voice message, subsequently broadcasts the computed payment charge voice message. The second client performs: monitoring the computed payment charge voice message subsequently decodes the computed payment charge voice message to extract the first identifier and the pending payment charge indication information; generates a payment request and sends to a server the payment request including the first identifier, the pending payment charge indication information and payer information. The server: initiates a payment transaction process to complete funds transfer between a payer account corresponding to the payer information and a payee account corresponding to the first client identifier.

Description

technical field [0001] The invention relates to the technical field of computer payment, in particular to a method for completing payment through a client, a related device and a payment system. Background technique [0002] In modern society, people use payment methods in various scenarios, including Internet-based network payment scenarios, payment scenarios in which transactions are completed in cash, and payment scenarios in which transactions are completed by bank cards. Among them, the implementation of online payment scenarios is simple, fast, safe and reliable, and has been used by more and more users and merchants. [0003] As for the cash method and the bank card method, the user needs to carry the cash and the bank card with him. Among them, in cash payment scenarios such as taking the subway, unmanned bus and taxi, etc., the user must also carry an appropriate amount of change, which brings inconvenience to the user. In the scenario of paying by bank card, the ...

AI Technical Summary

Problems solved by technology

Among them, in cash payment scenarios such as taking the subway, unmanned bus and taxi, etc., the user must also carry an appropriate amount of change, which brings inconvenience to the user

In the scenario of payment by bank card, the payee must install a card reader, which generates additional transaction costs, and bank card payment cannot be realized in scenarios such as the above-mentioned subway, unmanned bus, and taxi.

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