Information transmission method, apparatus and system

A paying terminal for conducting a payment with a selling terminal via a remote server, wherein the remote server is communicatively connected to the paying terminal and the selling terminal via a messaging communication platform, the paying terminal includes an information transmission program, and the paying terminal corresponds to a first communication account registered in the messaging communication platform that is associated with a paying account identifier, the paying terminal comprising:

• one or more processors;
• memory;
• and
• one or more program modules stored in the memory and configured for execution by the one or more processors to perform a plurality of operations including:
• obtaining, by the paying terminal using the information transmission program, an encrypted image from the selling terminal, wherein the encrypted image encrypts payment information and the payment information comprises a selling account identifier associated with a second communication account registered in the messaging communication platform corresponding to the selling terminal and a payment amount,
• decrypting, by the paying terminal using the information transmission program, the encrypted image to acquire the selling account identifier and the payment amount;
• determining, by the paying terminal using the information transmission program, whether the payment amount is greater than a preset value;
• when the payment amount is greater than the preset value, acquiring, by the paying terminal using the information transmission program, biometric information from a user of the paying terminal;
• comparing, by the paying terminal using the information transmission program, the acquired biometric information of the user of the paying terminal with information stored at the paying terminal and in association with the first communication account registered with the messaging communication platform that is bound to the paying account identifier;
• generating, by the paying terminal using the information transmission program, a confirmation that the user of the paying terminal is associated with the paying account identifier based on the comparison;
• sending, by the paying terminal using the information transmission program, a payment request to the remote server, wherein the payment request comprises the selling account identifier, the payment amount and the paying account identifier;
• receiving, by the paying terminal using the information transmission program, processing results from the remote server, wherein the processing results are generated by the remote server based on the payment request;
• and
• displaying, by the paying terminal using the information transmission program, the processing results.

A non-transitory computer readable storage medium having stored therein one or more instructions in connection with a paying terminal for conducting a payment with a selling terminal via a remote server, wherein the remote server is communicatively connected to the paying terminal and the selling terminal via a messaging communication platform, the paying terminal includes an information transmission program, and the paying terminal corresponds to a first communication account registered in the messaging communication platform that is associated with a paying account identifier, wherein the one or more instructions, when executed by the paying terminal, cause the paying terminal to perform a plurality of operations including:

• obtaining, by the paying terminal using the information transmission program, an encrypted image from the selling terminal, wherein the encrypted image encrypts payment information and the payment information comprises a selling account identifier associated with a second communication account registered in the messaging communication platform corresponding to the selling terminal and a payment amount,
• decrypting, by the paying terminal using the information transmission program, the encrypted image to acquire the selling account identifier and the payment amount;
• determining, by the paying terminal using the information transmission program, whether the payment amount is greater than a preset value;
• when the payment amount is greater than the preset value, acquiring, by the paying terminal using the information transmission program, biometric information from a user of the paying terminal;
• comparing, by the paying terminal using the information transmission program, the acquired biometric information of the user of the paying terminal with information stored at the paying terminal and in association with the first communication account registered with the messaging communication platform that is bound to the paying account identifier;
• generating, by the paying terminal using the information transmission program, a confirmation that the user of the paying terminal is associated with the paying account identifier based on the comparison;
• sending, by the paying terminal using the information transmission program, a payment request to the remote server, wherein the payment request comprises the selling account identifier, the payment amount and the paying account identifier;
• receiving, by the paying terminal using the information transmission program, processing results from the remote server, wherein the processing results are generated by the remote server based on the payment request;
• and
• displaying, by the paying terminal using the information transmission program, the processing results.