Payment processing method and apparatus, transaction method and mobile device

• Main Authors: SU ZHI, LI FENG, SHE TIAN, CHEN AIQING
• Format: Patent
• Language: Chinese; English
• Published: 28.08.2018
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The invention discloses a payment processing method and apparatus, a transaction method and a mobile device. The method comprises the steps of collecting an audio signal; obtaining a graphic code, wherein the graphic code is generated according to a predetermined account and numbers identified from the audio signal, the numbers are used for indicating a to-be-paid amount, and the predetermined account is an account which is to perform a payment behavior; and displaying the graphic code, wherein the graphic code is used for triggering the predetermined account to perform the payment behavior after being scanned to finish the payment of the amount corresponding to the numbers. The technical problem of relatively low offline transaction process efficiency caused by manual input of a payment amount for each offline payment is solved. 本发明公开了支付处理方法及装置、交易方法和移动设备。其中，该方法包括：采集音频信号；获取图形码，其中，图形码是根据预定账户和从音频信号中识别出的数字生成的，数字用于指示待支付的金额，预定账户为待发生支付行为的账户；显示图形码，其中，图形码用于被扫描后触发与预定账户发生支付行为以完成数字对应的金额的支付。本发明解决了由于每笔线下支付都需要手工输入付款金额造成线下交