US Patent 11501280 Joint payment method and system based on binding relationship

One embodiment provides a method and system for joint payment. During operation, a joint-payment server receives a joint-payment request comprising an identifier of a user initiating a joint payment and an identifier of a user to-be-included in the joint payment; determines, based the identifiers of the user initiating the joint payment and the to-be-included user, whether a binding relationship has been established between the user initiating the joint payment and the to-be-included user; in response to determining that the binding relationship has been established, generates graphic codes respectively corresponding to the user initiating the joint payment and the to-be-included user; and sends the graphic codes to a terminal device associated with the user initiating the joint payment, thereby facilitating the terminal device to display the graphic codes to complete the joint payment.