Method, system and server system of payment based on a conversation group

A device of performing a payment transaction in a group chat environment, comprising:

• one or more processors;
• memory storing one or more program modules configured for execution by the one or more processors, the one or more program modules including instructions for:
• displaying a conversation interface of a group chat session for a pre-established conversation group, the pre-established conversation group including a user of the user device and a plurality of other users participating in the pre-established conversation group;
• providing, in the conversation interface of the group chat session, a control for requesting payment from the pre-established conversation group;
• detecting an input from the user invoking the control for requesting payment from the pre-established conversation group;
• in response to detecting the input from the user:
• posting a group payment request as a chat message in the group chat session to the pre-established conversation group;
• determining one or more individual payers for the group payment request in accordance with a predetermined payment scheme associated with the pre-established conversation group;
• and
• sending a respective individual payment request as a chat message in the group chat session to each of the determined individual payers;
• and
• receiving a plurality of payment responses as chat messages in the group chat session from the determined individual payers, each payment response including an indication of accepting or rejecting the group payment request;
• in accordance with a determination that a first number of individual payers have accepted the group payment request, obtaining a first distribution of payments among the first number of individual payers according to the predetermined payment scheme;
• and
• sending the first distribution of payments to a server, wherein the server transfers the payments from the first number of individual payers to the user of the user device.

A non-transitory computer readable storage medium, storing one or more programs for execution by a device including one or more processors for performing a payment transaction in a group chat environment, the one or more programs comprising instructions for:

• displaying a conversation interface of a group chat session for a pre-established conversation group, the pre-established conversation group including a user of the user device and a plurality of other users participating in the pre-established conversation group;
• providing, in the conversation interface of the group chat session, a control for requesting payment from the pre-established conversation group;
• detecting an input from the user invoking the control for requesting payment from the pre-established conversation group;
• in response to detecting the input from the user:
• posting a group payment request as a chat message in the group chat session to the pre-established conversation group;
• determining one or more individual payers for the group payment request in accordance with a predetermined payment scheme associated with the pre-established conversation group;
• and
• sending a respective individual payment request as a chat message in the group chat session to each of the determined individual payers;
• and
• receiving a plurality of payment responses as chat messages in the group chat session from the determined individual payers, each payment response including an indication of accepting or rejecting the group payment request;
• in accordance with a determination that a first number of individual payers have accepted the group payment request, obtaining a first distribution of payments among the first number of individual payers according to the predetermined payment scheme;
• and
• sending the first distribution of payments to a server, wherein the server transfers the payments from the first number of individual payers to the user of the user device.